Finistar provides unique secure cash management solutions with liquidity and competitive rates for cash deposits over $100,000. All FinistarFunds are 100% FDIC insured. For our community bank partners, this provides a pooled access to these wholesale deposits and a new source of funding.

Providing A Smart Alternative

The Finistar solution works by bridging the gap between community banks and large depositors in an efficient manner and meeting the needs of both parties:

· FinistarFunds -Insured Cash Management Solutions on Deposits - Independent and institutional depositors of large amounts of cash have ready access to FDIC-insured, daily liquid, high-yield accounts as an alternative to short-term investments - Current Depositor Rates.

· FinistarCore - Wholesale Deposits - A funding solution for community banks that provides a new source of wholesale deposits without typical collateral requirements or burdensome credit limits - Current Rates.

Standard & Poor's Fund Rating Committee reviewed Finistar and found it to be consistent with S&P's Principal Stability Fund Rating Criteria (also called Money Market Fund Ratings Criteria).

Cash Management Solutions - Secure Cash Management Solutions - Insured Cash Management Solutions