TRANSACTION ACCOUNT GUARANTEE PROGRAM

BankStar Financial is participating in the FDIC’s Transaction Account Guarantee Program.  Under that program, through June 30, 2010, all non interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. (A non interest-bearing transaction account includes accounts with interest rates no higher than 0.50 percent if the insured depository institution is committed to maintain the interest rate at or below 0.50 percent.)