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FDIC Transaction Account
Guarantee Program

The Bank of Tampa is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account through December 31, 2009. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the standard insurance amount available under the FDIC’s general deposit insurance rules. The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

In accordance with the FDIC’s definition of “noninterest-bearing transaction accounts” the following accounts offered by The Bank of Tampa are covered under the Transaction Account Guarantee Program: Personal Checking, Senior Checking, Minaret Checking, Small Business Checking, Commercial Checking, Commercial Interest Checking, and Attorneys’ Interest-On-Trust Accounts (IOTAs).