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Notice of changes in temporary FDIC insurance coverage for transaction accounts: By operations of federal law, beginning January 1, 2013, funds deposited in a noninterest bearing transaction account (Including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning, January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000.00), for each deposit insurance ownership category. For more information visit www.fdic.gov.