On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor, through December 31,

On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor, through December 31, 2009.

Debt Guarantee Program

Participating Institution's Guaranteed Debt- This debt is guaranteed under the Federal Deposit Insurance Corporation's Temporary Liquidity Guarantee Program and is backed by the full faith and credit of the United States. The details of the FDIC guarantee are provided in the FDIC's regulations, 12 CFR part 370, and on the FDIC's Web site at http://www:fdic.gov/tlgp. The expiration date of the FDIC's guarantee is the earlier of the maturity date of the debt or June 30, 2012.

Participating Institution's Non-Guaranteed Debt- This debt is not guaranteed under the Federal Deposit Insurance Corporation's Temporary Liquidity Guarantee Program.

Transaction Account Guarantee Program

First Star Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 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.

The Transaction Account Guarantee Program also covers Negotiable Order of Withdrawal (NOW) accounts that pay an interest rate of 0.50% or less and Interest on Lawyers Trust Accounts (IOLTAs). NOW accounts that are contractually entitled to an interest rate that may exceed 0.50% will continue to be insured through December 31, 2009 under the FDIC's general deposit coverage limit of $250,000 per depositor.

Transaction Account Guarantee Program & Sweep Arrangements

Funds swept from a non interest-bearing transaction account into an interest-earning account are not eligible for the FDIC's full guarantee under the Transaction Account Guarantee Program. Instead, funds in the interest-earning account will continue to be insured through June 30, 2010 under the FDIC's general deposit coverage limit of $250,000 per depositor.

If you have questions regarding FDIC coverage limits and requirements, please visit www.myfdicinsurance.gov, call toll-free 1-877-ASK-FDIC.