Notice of FDIC Changes

NOTICE OF EXPIRATION OF TEMPORARY FULL FDIC INSURANCE

Beginning January 1, 2013, funds deposited in a noninterest- bearing transaction account (including an IOLTA) will no longer receive unlimited deposit insurance coverage by the 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.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

All deposits in Lee Bank above the FDIC limits are insured in full by the Depositors Insurance Fund (DIF). Accordingly, all noninterest-bearing transaction account deposits that are no longer insured by the FDIC will be insured in full by the DIF effective January 1, 2013.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

For more information about DIF insurance coverage, visit difxs.com