Superior Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under that program, through December 31, 2013, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. The FDIC Board voted to include NOW Accounts paying rates of .5 percent or less and IOLTAs (lawyer trust accounts) are also guaranteed.  Coverage under the Transaction Account Guarantee Program is in addition to and seperate from the coverage available under the FDIC's general deposit insurance rules.