Every depositor is insured by the FDIC to at least $250,000. This level of FDIC insurance coverage was made permanent by the Dodd-Frank Wall Street Reform and Consumer Protection Act signed into law on July 21, 2010.

Trans Pacific National Bank is participating in the FDIC’s Transaction Account Guarantee program. Under the program, through December 31, 2012, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW
accounts, and money-market deposit accounts.

Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under FDIC’s general deposit insurance and unique only to banks that have elected to participate in this program.

For more information about temporary FDIC insurance coverage of transaction accounts, please visit www.fdic.gov.