FDIC Transaction Account Guarantee Program

1st Regents Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program through June 30, 2010, all non-interest 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.

General Deposit Insurance Rules

Each depositor is insured to at least $250,000.00. This coverage has been temporarily increased from $100,000.00 to $250,000.00 through 12-31-2013. The standard insurance amount will return to $100,000.00 per depositor for all account categories except for IRAs and other certain retirement accounts (including IRAs) which will remain at $250,000.00 per depositor.