IMPORTANT FDIC UPDATES
Transaction Account Guarantee Program

Bridge Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-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.

NOTE: By FDIC rule “noninterest-bearing transaction accounts” include certain Attorney-Client Trust Accounts maintained for the benefit of the various state bar associations to provide funding for legal assistance to low income individuals (IOLTA/IOLA programs) and certain accounts subject to negotiable orders of withdrawal with a rate of interest which cannot exceed 0.25%. Transaction accounts which may pay interest greater than 0.25% are not eligible for this unlimited coverage but are eligible for the temporary increase in coverage to $250,000 per depositor as described below.

FDIC Deposit Insurance Limit - Temporary Increase

On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009.

On May 20, 2009, the temporary increase to $250,000 was extended through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts (including IRAs) which will remain at $250,000 per depositor.