Personal

Disclosures

Changes in FDIC Deposit Insurance Coverage

January 1, 2011

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 does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs"). For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

First Star Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that 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.

April 13, 2010

The FDIC adopted an interim rule providing a six-month extension until December 31, 2010, of the Transactions Account Guarantee (TAG) program for insured depository institutions (101s) currently participating in the TAG program, with the possibility of an additional 12-month extension of the program without further rulemaking. IDIs currently participating in the program that wish to opt out of the TAG extension must submit their request to opt out on or before April 30, 2010. Such election will be effective on July 1, 2010. For institutions choosing to remain in the TAG, after July 1, 2010, the basis for calculating the current assessments, as well as, the interest rates on NOW accounts guaranteed under the TAG program will be modified. For more information, visit: http://www.fdic.gov/inews/news/financial/2010/fil10015.html

August 26, 2009

The FDIC extended its temporary Transaction Account Guarantee Program through June 30, 2010. This program provides depositors with unlimited coverage for noninterest-bearing transaction accounts at participating FDIC-insured institutions. The unlimited coverage applies to all personal and business checking deposit accounts that do not earn interest (including Demand Deposit (DDA) accounts), low-interest NOW accounts (NOW accounts that cannot earn more than 0.5% interest), Official Items (e.g., cashier or bank checks) , and Interest on Lawyer Trust Accounts "IOLTA" (or the equivalent type of deposit). For more information, visit: http://www.fdic.gov/inews/news/financial/2009/fil09048.html

May 20, 2009

Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor, per insured bank, through December 31, 2013. On January 1, 2014, the standard insurance amount is scheduled to return to $100,000 per depositor, per insured bank, for all account categories except Certain Retirement Accounts (includes IRAs) which will remain at $250,000 per depositor, per insured bank. (This supersedes the October 3, 2008 changes.) For more information visit: http://www.fdic.gov/news/news/financial/2009/fil09022.html

October 14, 2008

FDIC announced its temporary Transaction Account Guarantee Program, which provides full coverage for noninterest-bearing transaction deposit accounts at FDIC-insured institutions that agree to participate in the program. The transaction account guarantee applies to all personal and business checking deposit accounts that do not earn interest, low-interest NOW accounts (NOW accounts that cannot earn more than 0.5% interest), Official Items, and IOLTA accounts. This unlimited insurance coverage is temporary and will remain in effect for participating institutions through December 31, 2009. For more information visit:

• http://www.fdic.gov/news/news/financial/2008/fil08125.html
• http://www.fdic.gov/news/news/financial/2008/fil08110.html
• http://www.fdic.gov/news/news/financial/2008/fil08103.html

October 3, 2008

Deposits at FDIC-insured institutions are insured up to at least $250,000 per depositor, per insured bank, until December 31, 2009. On January 1, 2010, the standard insurance amount is scheduled to return to $100,000 per depositor, per insured bank for all account categories except for Certain Retirement Accounts (includes IRAs) which will remain at $250,000 per depositor, per insured bank. For more information visit: http://www.fdic.gov/news/news/financial/2008/fil08102.html

September 26, 2008

The FDIC has simplified its rules for the insurance coverage of revocable trust accounts. The new rules provide at least as much coverage as the former rules, and are not subject to the expiration dates referenced above. Read more about this change at: http://www.fdic.gov/news/news/financial/2008/fil08099.html