First National Bank of Florida is participating in the FDIC’s Transaction Account Guarantee Program. Under this program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. NOW accounts with interest rates no higher than 0.50 percent are included in the program through June 30, 2010. Effective July 1, 2010 the maximum interest rate allowable to qualify for the program will be reduced to 0.25 percent. 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.