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EXPIRATION OF UNLIMITED FDIC INSURANCE

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), for each deposit insurance ownership category.

For more information, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.

NOTICE OF CHANGE IN FDIC’S CONSUMER RESPONSE CENTER MAILING ADDRESS

The FDIC’s Consumer Response Center (CRC) receives, investigates, and responds to consumer complaints and other inquiries involving depository institutions supervised by the FDIC (state non banks and insured state branches of foreign banks). Effective March 28, 2011, the CRC new mailing address is as follows:

FDIC
Consumer Response Center
1100 Walnut St., Box #11
Kansas City, MO 64106