Rate as of October 6, 2008

We offer the most effective and efficient programs and services to support community banks in Missouri and Illinois. Our officers have in-depth experience in this specialized and highly integrated business. Correspondent banking is a relationship oriented business and we build our business with that as our first priority. Click here to see our Capital Ratios.

Click here to meet our team of correspondent banking officers.

First National Bank of St. Louis offers a full range of services to our community banks:

Lending: Bank stock loans, loan participations, overlines, director-related lending, lending to principal officers, and Fed Funds lines.

Short term Investments: Fed Funds purchased as principal or agent.

Cash Management Services: a full range of services for community banks.

Fixed Income Investment: All categories of securities.

Securities Services: Safekeeping, bond accounting, asset/liability management.

Operating Services: Automated balance/activity reporting capabilities via phone, fax, or Internet; lock box processing, cash letter, ACH transaction generation; cash management service support & advisory; coin & currency provisioning; clearing and settlement transactions via First National Bank's reserve account.

Regulatory Advisory: Advice on regulatory issues, filings, valuations, and acquisitions.

Backed by the full resources of Central Bancompany, Inc., a financial institution with assets in excess of $5.5 billion, First National Bank of St. Louis has the size to fulfill all your needs, the experience to provide a complete relationship, the commitment of executive management, and the staying power of a privately held organization with deep roots in the metropolitan area.

Let us work with you. The Correspondent Banking Group is ready to serve you both now and in the future!

Here are some links with additional information. Click to go directly to that section.

Fed Funds - Things you should know.

Fed Funds Account Set-up - What you will need to set-up a Fed Funds Account.

Incoming Wire Instructions - Information you will need to transfer funds into First National Bank of St. Louis.

Cash Management Services - Information about the services we provide.

Central Capital Markets - a subsidiary of Central Trust Bank, Central Capital Markets is a fixed income trading service.

Merchant Card Services - Credit card services provided by First National Bank of St. Louis.

Purchased Program Highlights:

1. Competitive daily rates, based upon the average opening overnight Fed Funds quotations in the marketplace, prior to 9:00 A.M., CST

2. Daily rate broadcasts via fax or email delivery.

3. Monthly recap of daily rates offered, upon request.

4. No incoming wire charges for funds directed to the Fed Funds Purchased program.

5. Fed Funds purchased via the FNBSTL same-day, end-of-day fully automated Correspondent Sweep Program.

6. Daily confirmation of Fed Funds and earnings.

7. Automatic delivery of the Central Capital Markets daily "Market Outlook" via email or fax delivery.

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Needed information:

• Bank Name

• Street Address

• City, State, Zip

• T & R #

• Telephone #

• Fax #

• FFs Contact

• Email address

• FNBSTL Account #

• Balance Requirement

• Accounts Analysis (Yes)

• Statement Frequency

• Where to send DDA Statement

• Correspondent Banking Account Officer Name

Checklist:

• Correspondent Bank Fed Funds Account Set-up form completed

• Corporate Authorization Resolution

• Form W-9, Request for Taxpayer Identification Number and Certification.

• Correspondent Bank Fed Funds Sweep Agreement

• Corporate Signature Card

• Funds Transfer Agreement

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