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'If they're not able to pay the 5% dividend, they're not going to be able to pay the 9%,' says Christy Romero, special inspector general for Tarp.

Cost of Tarp Membership to Spike as 5-Year Mark Nears

Banks that still hold Tarp funds face the prospect of dividend rates rising to 9% from 5% at a time when many of those institutions are still struggling.

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