



Effective February 29, 2012, Sterling Savings Bank acquired substantially all the assets of First Independent Bank. Sterling Savings Bank is a Washington state-chartered bank that operates under the following registered trade names: Sterling Bank, First Independent Bank and Sonoma Bank. Sterling Savings Bank operates as Sonoma Bank only in the State of California. Sterling Savings Bank, Sterling Bank, First Independent Bank and Sonoma Bank are the same FDIC-insured institution. Deposits held under Sterling Savings Bank or any of its trade names are not separately insured by the FDIC, but are combined to determine whether a depositor has exceeded the federal deposit insurance limit.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURACE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31,2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.