NOTICE TO CUSTOMERS
Effective July 21, 2010, your deposits at Stellar Business Bank are now permanently insured up to $250,000 per depositor, per insured institution for each account ownership category.

Stellar Business 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.

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