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NOVA Bank is a participant in the FDIC's Transaction Account Guarantee Program.
Under this 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. NOVA Bank's
Negotiable Order of Withdrawal (NOW) accounts are not covered under this program.
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