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 Temporary Liquidity Guaranty Program                                                                                  
 
FDIC deposit insurance has been increased from $100,000 to $250,000 per depositor through December 31, 2013.
    
Citizens Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under this program, funds held in non-interest bearing transaction accounts are insured in full by the FDIC through December 31, 2010. 
 
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.
     
An exception to this additional coverage is any funds swept from a non-interest bearing transaction deposit account to an interest-bearing account or a non-transaction account.  However, those accounts will continue to be insured through December 31, 2013 for up to $250,000 under the FDIC’s general deposit insurance rules.
 
 
Member FDIC
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