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FDIC Coverage
Partners Bank of California deposit accounts are now FDIC insured up to $250,000 per depositor, which is more than double the former account coverage of $100,000.
These new limits apply to your checking, savings, money market, and certificate of deposit accounts at Partners Bank of California. There is no need to apply for or request the additional coverage; it is automatic for all banks that are members of the FDIC, which includes Partners Bank of California.
In addition, your non-interest bearing accounts at Partners Bank of California will be fully insured (unlimited coverage) through December 31, 2009 as Partners Bank of California has chosen to participate in the FDICs Temporary Liquidity Guarantee Program.
With these new limits, your ability to maximize your coverage has increased dramatically. Here is just one example of how you could be covered up to $1,000,000:
| Account Owner | Account Type | Account Balance |
| John Q. Customer | Partners Interest Checking | $250,000 |
| Mary Z. Customer | Partners Money Market | $250,000 |
| John Q. and Mary Z. Customer | Partners Certificate of Deposit | $500,000 ($250,000 per owner) |
| Total Deposits | $1,000,000 | |
| Total Amount Insured | $1,000,000 |
These new limits are effective through December 31, 2009. On January 1, 2010, standard coverage limits will return to $100,000 for all deposit categories except IRAs and certain retirement accounts, which will continue to be insured up to $250,000 per owner.
Here is a summary of the new FDIC insurance coverage limits:
| Single Accounts (owned by one person) | $250,000 per owner |
| Joint Accounts (two or more persons) | $250,000 per co-owner |
| IRAs and certain other retirement accounts | $250,000 per owner |
| Trust Accounts | $250,000 per owner per beneficiary subject to specific limitations and requirements |
| Corporation, Partnership and Unincorporated Association Accounts | $250,000 per corporation, partnership or unincorporated association |
| Employee Benefit Plan Accounts | $250,000 for the non-contingent, ascertainable interest of each participant |
| Government Accounts | $250,000 per official custodian |
| Non-interest Bearing Transaction Accounts | Unlimited coverage through December 31, 2009 for Partners Bank clients, as the Bank is participating in the FDICs Temporary Liquidity Guarantee Program. |
If you have questions about the FDIC coverage on your Partners Bank accounts, please contact your Partners Bank of California representative at (949) 732-4000 or visit the FDIC website atwww.fdic.gov.
