Heritage Bank of Florida is a Florida-chartered, commercial bank headquartered in the unincorporated area of Lutz/Land O'Lakes, Pasco County, Florida. The Federal Deposit Insurance Corporation insures our deposits. We are an independent community bank which commenced full-service banking activities in August 1999. The Bank's primary service area includes central Pasco and north and central Hillsborough Counties. The Bank has rapidly established market share and intends to continue to develop market recognition by offering high-quality banking products and related financial services at attractive interest rates in a friendly and professional banking environment. We offer a comprehensive menu of deposit and loan products for consumer, business, institutional and governmental customers, including interest-bearing checking and money market accounts, certificates of deposit and individual retirement accounts. We believe the combination of a strong menu of products, attractive rates and premier customer service will continue to differentiate, sustain and expand Heritage Bank of Florida's presence among other banks and non-traditional financial services.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS   All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31,2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. . For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.