NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1,2013, funds in a noninterest-bearing 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 FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest- bearing transaction accounts, visit http://www.fdic.gov.

For specific questions about your accounts, talk to a Customer Service Representative at 732-247-5800 or visit www.fdic.gov for more general information. The FDIC coverage increases are automatic. There is no action required on your part. To calculate how your own accounts are covered by FDIC insurance, visit www.myfdicinsurance.gov and use EDIE the Estimator to create an easy to read report.