FDIC NOTICE

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

By federal law, as of 1/1/2013, funds in noninterest-bearing transaction accounts (including IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category.

For more information about FDIC insurance coverage visit www.fdic.gov.

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Summit Bank, N.A. is regulated by the Office of the Comptroller of the Currency, 500 North Akard Street Suite 1600, Dallas TX 75201