<p>FDIC Deposit Insurance Premia</p><p>I. Premium Structure (January 1, 1997 – December 31, 2006) Approximately 95% of all institutions were rated 1A during this time period.</p><p>Supervisory Group*</p><p>Capital Group* A B C</p><p>1 Well Capitalized 0 bps 3 bps 17 bps</p><p>2 Adequate Capitalized 3 bps 10 bps 24 bps</p><p>3 Under Capitalized 10 bps 24 bps 27 bps</p><p>*Supervisory Group A generally include institutions with CAMELS composite ratings of 1 or 2; Supervisory Group B generally includes institutions with a CAMELS composite rating of 3; and Supervisory Group C generally includes institutions with CAMELS composite ratings of 4 or 5. </p><p>II. Premium Structure (January 1, 2007 – December 31, 2008)</p><p>Supervisory Group*</p><p>Capital Group* A B C</p><p>Well Capitalized I II III 5-7 bps 10 bps 28 bps</p><p>Adequately Capitalized </p><p>Undercapitalized III IV 28 bps 43 bps</p><p>1 III. Premium Structure (Effective April 1 2011)</p><p>Total Base Assessment Rates for established institutions (insured 5 or more years)</p><p>Risk Risk Risk Risk Large & Category Category Category Category Highly I* II III IV Complex Institutions**</p><p>Initial Base Assessment Rate 5 – 9 14 23 35 5 - 35</p><p>Unsecured Debt Adjustment (added) *** -4.5 to 0 -5 to 0 -5 to 0 -5 to 0 -5 to 0</p><p>Brokered Deposit Adjustment (added) N/A 0 to 10 0 to 10 0 to 10 0 to 10</p><p>Total Base Assessment Rate 2.5 to 9 9 to 24 18 to 33 30 to 45 2.5 to 45</p><p>* The risk categories are based on CAMELS. ** See §327.8(f) and §327.8(g) for the definition of large and highly complex institutions. *** The unsecured debt adjustment cannot exceed the lesser of 5 basis points or 50 percent of an insured depository institution’s initial base assessment rate. (1) a decrease of up to five basis points (or 50% of the initial base assessment rate) for long-term unsecured debt, including senior unsecured debt (other than debt guaranteed under the Temporary Liquidity Guarantee Program) and subordinated debt; (2) an increase for holding long-term unsecured or subordinated debt issued by other insured depository institutions known as the Depository Institution Debt Adjustment ("DIDA"); and (3) for institutions not well rated and well capitalized, an increase not to exceed 10 basis points for brokered deposits in excess of 10 percent of domestic deposits.</p><p>Total Base Assessment Rates for newly insured small institutions (those insured less than 5 years) *</p><p>Risk Risk Risk Risk Category Category Category Category I II III IV</p><p>Initial Base Assessment Rate 9 14 23 35</p><p>Brokered Deposit Adjustment (added) N/A 0 to 10 0 to 10 0 to 10</p><p>Total Base Assessment Rate 9 14 to 24 23 to 33 35 to 45</p><p> Total base assessment rates do not include the depository institution debt adjustment.  http://www.fdic.gov/deposit/insurance/historical.html</p><p>2</p>