Important Disclosures Regarding the
Transaction Account Guarantee Program

Florida Shores Bank Southeast 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.

If the funds in a noninterest-bearing transaction account are swept, transferred or re-classified to an interest bearing account, they are no longer eligible for the full guarantee provided under the Transaction Account Guarantee Program. Instead, as an interest-bearing account, they will be guaranteed up to $250,000 (until December 31, 2013) per owner, beneficiary, corporation, partnership or unincorporated association.