No. Maryland Business Occupations Code Ann., Section 10-303 (c) permits the Administrative Office of the Courts, in consultation with MLSC, to excuse an attorney or law firm from participating if it “demonstrates that it will cost the MLSC Fund more in service charges to open and maintain an attorney trust account for the purposes of the MLSC Fund than will be generated in interest by the attorney trust account.” While the charges vary between participating financial institutions, in most instances an attorney who does not maintain an average monthly balance of at least $3,500 in a trust account will not be required to participate. The Annual IOLTA Compliance form permits attorneys to request a waiver from the IOLTA requirement by affirming that their combined trust account balance does not exceed an average monthly balance of at least $3,500. In addition, an IOLTA account may be terminated by the attorney if the balance drops below $3,500 and is reasonably expected to remain so.