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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 deposited in a non-interest 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 depositary 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 about FDIC insurance coverage of noninterest – bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/expiration.html.

* Insurance products offered by FirstBank Insurance and investment products offered by UBS Financial Services Incorporated of Puerto Rico are not a bank deposit. They are not insured by the FDIC nor by any other federal government agency. Neither are they insured by FirstBank Puerto Rico or any of its subsidiaries. Investment products carry an investment risk, including the loss of principal invested.