DEPOSIT QUESTIONS

Over $250,000: What if I have more than $250,000 in my accounts at Integrity Bank?

All deposit accounts have been transferred in their entirety to Stonegate Bank. The former Integrity Bank office will reopen for normal business hours on Monday, August 3, 2009, as a branch of Stonegate Bank.

As an All-Deposit Transfer transaction, the total of all deposit accounts, whether within FDIC insurance limits or not, have been assumed by Stonegate Bank and will be available for business as usual.

Account Hold: I have been advised there is a hold on my account. What does that mean?

It is possible a depositor’s account was held due to delinquent loans where the depositor is the borrower or guarantor. Additionally, any account pledged as collateral for a loan will continue to be held. A letter will be sent informing you of any holds placed by the FDIC, along with instructions on how to proceed. If you have any questions regarding these holds, please call your loan officer or the FDIC at the number provided in the letter.

ATM/Debit Card/Checks: Can I continue to write checks or use my ATM/Debit card?

You will be able to continue using your personal checks at this time, and your ATM/Debit card will continue to work. The ATM machine will be unavailable for a short period of time on Friday for processing; however, it will be operational shortly after that is accomplished and will be available as usual.

Automatic Payments/Online Billpay: Will my automatic payments through Billpay continue?

Billpay will be available as usual, except for a brief period of time on Friday, evening, July 31, 2009.

Brokered Deposits/Deposit Broker: I am a deposit broker or I have brokered deposits. What do I need to do?

As an All-Deposit Transfer transaction, the total of all deposit accounts, excluding the Cede & Co brokered deposits, have been assumed by Stonegate Bank. The FDIC retained the Cede & Co brokered deposits and will pay those accounts off directly.

Be advised, however, that from and after the date of closing, Stonegate Bank will accrue and pay interest on deposit liabilities at a rate it shall determine; accordingly, Stonegate Bank shall permit depositors, including brokered depositors, impacted by reduced rates to withdraw their deposits without penalty for early withdrawal.


If you are a customer who has an Integrity Bank deposit through a broker, you must contact your broker with any questions.

Checks not honored: A merchant will not honor my check. What can I do?

A copy of this document or the press release (www.fdic.gov/news/news/press/2009/pr09134.html) can be provided as both documents state all deposits have been transferred to Stonegate Bank, and it is business as usual. Copies of this press release will be available at the former Integrity Bank office. Depositors or merchants can also call the FDIC at 1-866-954-9535 or the former Integrity Bank office.

Claim Account(s): How do I claim my account(s)?

Your account(s) has already been transferred to Stonegate Bank, and your account(s) will be handled as usual. Any withdrawal, renewal or additional deposits will “claim” your account. Please be advised that if there is no activity in your account in the next 18 months, that money will be turned over to your state as unclaimed property in accordance with state law. Unclaimed property can be located by visiting www.missingmoney.com or contacting your state treasurer’s office or office of unclaimed property.

Customer Impact: How does this failure affect me?

All deposits (both insured and uninsured) of Integrity Bank have been transferred to Stonegate Bank, and it will be business as usual. If you held an account at Integrity Bank, you now have an account at Stonegate Bank that is available to you at the former Integrity Bank office during regular business hours.

Please note: Customers of both banks should continue to use the Integrity Bank office until Stonegate Bank can fully integrate the deposit records of Integrity Bank. You will be notified in advance of this conversion.

The former Integrity Bank office will reopen for normal business hours on Monday, August 3, 2009. You will have continued access to your money through your ATM/debit card and by writing checks.

If you had a loan with the bank, continue to make your checks payable to Integrity Bank and mail to the same address you have used in the past until you are instructed otherwise.

Deposits Existing at Stonegate Bank: I already have other deposit accounts with the new bank. When combined with balances at this bank, my deposits exceed $250,000. Are all funds insured?

The transferred deposits will be separately insured for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary.

CDs from the assumed bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period.

Direct Deposits, Social Security: What will happen to my direct deposits?

Direct Deposits, including Social Security checks, will continue as normal. If you need to change anything in the future, please contact or visit the former Integrity Bank office to make those arrangements.

Early withdrawal penalty: Will I incur an early withdrawal penalty if I close my CD before maturity?

No. You may withdraw funds from any transferred account without an early withdrawal penalty until you enter into a new deposit agreement with your new bank. Entering into a new deposit agreement can be done by either renewing your CD or making a deposit to, or a withdrawal from, your account.

Final Statement: How will I get my final account statement(s) from Integrity Bank?

You will receive your account statements at the same time you have received them in the past.

Interest: Will I continue to earn interest at the same rate?

All interest on insured deposits accrued through Friday, July 31, 2009, will be paid at your same rate. Stonegate Bank will review rates and notify you if interest rates will change.

If you deposited funds through a broker, the interest will accrue and be paid through Friday, July 31, 2009..

Interest Checks/Cashier's Checks: Can I cash my interest check or cashier's check?

Interest checks and cashier's checks will continue to clear.

Internet Connection: Will my Internet connection to Integrity Bank work?

The bank’s website will be in view only mode through the weekend. You will be able to resume transactional services on Monday, August 3, 2009.

IRAs: What if I have an Individual Retirement Account (IRA)?

Yes, all deposits, including IRAs have been transferred in their entirety to Stonegate Bank. IRA funds are insured separately from other types of accounts up to $250,000.

If you close your IRA before maturity, you have 60 days to roll this over into another retirement vehicle. You should consult IRS Publication 590 and/or your tax advisor concerning the possible tax consequences of such distribution. IRS Publication 590 may be obtained by contacting your local IRS office or via the Internet at www.irs.gov.

Lose Any Money: Will I lose anything on my deposit account?

No. All accounts have been transferred in their entirety to Stonegate Bank and will be available starting on Friday, July 31, 2009.

Outstanding Checks: What will happen to the checks which have not cleared my account?

Checks drawn on Integrity Bank that did not clear before Friday, July 31, 2009, will be honored up to your available balance.

Records/Account Histories: What if I need information regarding my account during the time Integrity Bank was in business?

Please contact a representative of your new bank at the former Integrity Bank office to obtain a copy of any records you may need.

Tax Reporting - 1098/1099s: Who will send my 1098 and/or 1099 information after the end of the year?

Stonegate Bank will be responsible for mailing your 1099 tax information. Your 1098 reporting will be done by the FDIC or the servicer of your loan. You will be notified of any changes in ownership or servicing of your loan.

Uninsured: Will I collect my uninsured deposits?

All deposits have been transferred in their entirety to Stonegate Bank; therefore, you have received your deposits in full.

Wire Transfer: Can funds be wired to me?

Please contact the former Integrity Bank office to obtain information regarding your wire request.

LOAN QUESTIONS

Automatic Payments: Will my automatic transaction payment still occur on its assigned date?

You should experience no disruption in this service. We encourage you to check your bank account the day after your scheduled draft to verify the transaction. If the transaction did not occur, please notify your loan officer to research your loan.

Construction Loan Draws: Will construction draws continue? Will my project be completed?

Each loan is being reviewed independently and will be determined on a case-by-case basis. You should direct your questions to your loan officer.

Construction Loan Voucher Control: Will my subcontractors be paid as before?

Each loan is being reviewed independently and will be determined on a case-by-case basis. You should direct your questions to your loan officer.

Escrows: Will you continue to pay my escrows?

All services previously performed related to your loan will continue. Should you receive notification that any portion of your taxes or insurance were not paid, please notify your loan officer immediately.

Fees: Are there any changes to fees or charges due to this event?

No. The current fee structure will remain the same.

Foreclosures: Will the FDIC continue foreclosures in process?

At this point, all foreclosure actions have been suspended in order to properly evaluate the loans and the borrowers’ ability to repay. It is our intention to sell all loans, and it will be up to the new owner to determine the best method of collection on the loan. There may be instances where FDIC will continue with the foreclosure process, but this will be done on a case-by-case basis.

Lender and contact names: Who is my lender and has my loan contact changed?

Your loan is currently owned by the FDIC and is being serviced by all of the same personnel with whom you have worked in the past. All prior contacts remain the same.

Loan Sales: Will my loan be sold?

Your loan may be sold at a future date. If that occurs, you will be notified in advance through written correspondence. If you are concerned about whom your future lender or servicer will be, you have the right to independently refinance your loan with another lender.

Line of Credit Advances – Home Equity: Can I continue to perform advances on my line of credit?

All lines of credit, including Home Equity Lines of Credit (HELOCs), have been suspended at this time and have been retained by the FDIC. You may contact Stonegate Bank to discuss establishing a borrowing relationship.

Loan in Process: I have a loan currently in process. How is my loan impacted?

Please contact your loan officer directly.

Loan Sweeps: Will my loan sweep be discontinued?

This will be determined on a case-by-case basis. Please contact your loan officer.

Overdraft Line of Credit: Will my overdraft line of credit continue to cover my overdrafts?

Yes. These lines have been transferred to Stonegate Bank. Please contact your new bank if you have additional questions regarding your accounts.

Payments: How and where do I make my payments?

You should continue to make your payments as agreed. Make checks payable to Integrity Bank and utilize the same payment address information. You may continue to make your payments at the branch or by phone via check or credit card.

Pre-payment Penalty: If I refinance with another lender, will my pre-payment penalty be waived?

Any pre-payment penalty will be waived as long as FDIC as Receiver for Integrity Bank has control of the asset, and the borrower obtains refinancing of the outstanding balance on the account with another financial institution.

SBA Application in Process: What will happen to my SBA loan application in process?

The FDIC as Receiver for Integrity Bank will not be originating any new loans.

If your loan has been approved by the SBA, but is not yet funded, please contact your loan officer. You will be directed to the proper SBA contact to help you locate another approved lender.

If your loan is in process, but is not yet approved by the SBA, we will release your SBA package on file with us to you. You will need to apply with another SBA-approved lender. Please contact your loan officer to make arrangements to retrieve your application from the bank.

What Happens Now: What will happen to my loan?

Each loan is currently being reviewed independently to determine the best action for that individual loan. Your loan may be sold at a future date. If that occurs, you will be notified in advance through written correspondence. If you are concerned about whom your future lender or servicer may be, you have the right to independently refinance your loan with another lender.

Offers to Purchase Other Real Estate: I was in the process of negotiating the purchase of real property held by Integrity Bank. Will my offer still be considered?

The FDIC will review offers made to purchase real property from the former Integrity Bank and will respond to the offers as soon as possible. The review process includes ordering a new appraisal, which could take up to 60 days or more.

The FDIC as Receiver has hired CB Richard Ellis (CBRE) to handle the management and disposition of real property acquired from the institution. If you have questions regarding the status of your offer please feel free to contact CBRE directly. Below is the contact information for CBRE:

GENERAL QUESTIONS

All-Deposit Transfer versus Insured Deposit Transfer: Why do all deposits, insured or not, pass is some transactions but not in others?

The FDIC is required by law to employ the least-cost resolution measure for each failed financial institution. The most frequent result is for the FDIC to transfer only the insured deposits in a merger transaction. The FDIC is only able to transfer all deposits if the uninsured amounts are covered by the premium. The FDIC has been able to transfer all deposits in about 25% of the failures over the past 15 years.

When a buyer cannot be found for a failed bank, the FDIC honors its obligation to insured depositors by mailing an insurance check.

FDIC Insurance: How can I find out more about Federal Deposit Insurance rules?

You may access our website, which contains deposit insurance information and an Electronic Deposit Insurance Estimator (EDIE):

You may also order any FDIC publication:

Media: I represent a TV/Newspaper/Radio and would like some information.

Please contact the Office of Public Affairs:

New Bank Insured: Is the new bank insured by the FDIC?

Yes. Your transferred deposit at Stonegate Bank is insured by the FDIC to at least $250,000, as established by law.

Safe Deposit Boxes: How can I claim the contents of my safe deposit box?

It is business as usual. You may go to your branch and access your safe deposit box or make appointments by calling your former Integrity Bank branch location.

Shareholders: I am a shareholder. What happens to my shares?

Shareholders have a claim against the receivership; however, they have the lowest priority of claim. You should discuss this with an accountant and/or the IRS concerning the exact requirements necessary to recognize the investment as a loss for tax purposes. The FDIC does not require stockholders to file a claim with the Receiver. However, we recommend that you keep our office informed of any address change, should we need to contact you in the future.

Unpaid Bill: I did some work for Integrity Bank and have not yet been paid. What should I do?

Please send your bills to the following address:

Work for FDIC – Contract or Employment: How can I apply to work for FDIC as a contractor or employee?

You may access information about doing business with the FDIC at
Procurement Opportunities (www.fdic.gov/buying/goods/opportunities/index.html)
You must also register in the Central Contractor Registration database at www.ccr.gov.
Entry into the database is not a guarantee that a contractor will receive a future solicitation.

You may also call 1-866-308-4470 for more information or send an email to ProcurementOpportunities@fdic.gov. Please include a statement of your corporate capabilities, contact information and Minority or Women-Owned Business (MWOB) status, if any.

To review positions currently available at the FDIC, visit Careers at FDIC (www.fdic.gov/about/jobs/index.html).