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Cardinal Bank is
participating in the FDIC's Transaction Account Guarantee Program.
Under that program, through December 31, 2009, 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.
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*On October 14, 2008, FDIC deposit insurance will provide unlimited protection for all non-interest bearing transaction accounts through December 31, 2009. Interest-bearing deposits: On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per
depositor through December 31, 2009.
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