The FDIC provides deposit insurance coverage for domestic and international accounts in the amount of $250,000 per depositor for interest-bearing accounts such as money markets, CDs, and our Optima Account, among others.

Mercantil Commercebank, N.A. also elected to participate in the FDIC’s Transaction Account Guarantee Program. Under that program, all non- interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Also, NOW accounts are fully covered so long as the maximum annual interest rate that may be earned on the account does not exceed 0.25%. Optima Accounts do not qualify for unlimited coverage since the annual interest rate may exceed 0.25%. 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. The Bank has elected to continue offering this coverage through December 31, 2010.

For more details, please access the deposit insurance information available on the FDIC's website: www.fdic.gov/deposit/deposits/changes.html.