FDIC Notices

FDIC Deposit Insurance

FDIC deposit insurance has temporarily increased from $100,000 to $250,000 per depositor 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.

If you have questions about FDIC coverage limits and requirements, please visit www.myFDICinsurance.gov, call toll-free 1-877-ASK-FDIC, or ask a bank representative.

FDIC Transaction Account Guarantee Program

Capital Bank is participating in the FDIC´s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC´s general deposit insurance rules.

Full details of the program can be found at www.fdic.gov/tlgp.