FDIC Coverage

Ensuring Your Deposits Are Safe

Florida Capital Bank wants you to feel confident that your deposits are safe and that we provide the greatest available level of financial security to our customers including:

	•	Unlimited FDIC coverage on all personal and business checking deposit accounts that do not earn interest ^1,2
	•	Increased FDIC coverage from $100,000 to $250,000 per depositor for deposits other than non-interest bearing accounts ³
	•	FDIC coverage up to $250,000 on all retirement deposit accounts

	¹	Noninterest-bearing transaction accounts include Interest on Lawyers Trust Accounts (and functionally equivalent accounts) and low-interest NOW accounts (defined as NOW accountswith interest rates no higher than 0.50 percent).
	²	in effect until 06/30/2010
	³	in effect until 12/31/2013

For more information about the FDIC, please visit their Web site at www.fdic.gov.

APY is effective as of 12/10/09 and is subject to change. APY dependent on daily account balance: 0.25% APY for $10,000 and under, .75% APY on balances between $10,000 and $99,999.99, 1.05% APY on balances from $100,000 to $999,999.99 and 1.25% APY on balances of $1 million and over. Transaction activity limited to six withdrawals per month. Fees may reduce earnings on account.