DEPOSIT QUESTIONS

1. Over $100,000   What if I have more than $100,000 in my accounts at Silver State Bank?
2. Account Hold   I have been advised there is a hold on my account.  What does that mean?
3. Account Insurance Status: Is my account fully insured?  Is there a method to verify whether my account(s) at Silver State Bank are fully insured?
4. ATM/Debit Card/Checks  Can I continue to write checks or use my ATM/Debit card?
5. Automatic Payments/Online Billpay  Will my automatic payments through Billpay continue?
6. Brokered Deposits/Deposit Broker   I am a deposit broker or I have a deposit through a broker.  What do I need to do?
7. Checks not Honored  A merchant will not honor my check.  What can I do?
8. Claim Account(s)  How do I claim my account(s)?
9. Customer Impact  How does this failure affect me?
10. Deposits Existing at Assuming Bank  I already have other deposit accounts with the new bank.  When combined with balances at this bank, my deposits exceed $100,000.  Are all funds insured?
11. Direct Deposits - Social Security  What will happen to my direct deposits?
12. Early Withdrawal Penalty   Will I incur an early withdrawal penalty if I close my CD before maturity?
13. Final Statement   How will I get my final account statement(s) from Silver State Bank?
14. Interest  Will I continue to earn interest at the same rate?
15. Interest Check/Cashier's Checks  Can I cash my interest check or cashier's check?
16. Internet Connection   Why doesn't my Internet connection to Silver State Bank work?
17. IRAs   What if I have an Individual Retirement Account (IRA)?  Will my savings still be insured?
18. Lose Any Money?  Will I lose anything on my deposit account?
19. Outstanding Checks   What will happen to the checks which have not cleared my account?
20. Records/Account Histories  What if I need information regarding my account during the time Silver State Bank was in business?
21. Tax Reporting - 1098/1099s   Who will send my 1098 and/or 1099 information after the end of the year?
22. Uninsured  Will I collect my uninsured deposits?
23. Wire Transfer   Can funds be wired to me?

LOAN QUESTIONS

24. Automatic Payments  Will my automatic transaction payment still occur on its assigned date?
25. Construction Loan Draws  Will construction draws continue?  Will my project be completed?
26. Construction Loan Voucher Control  Will my subcontractors be paid as before?
27. Escrows  Will you continue to pay my escrows?
28. Fees  Are there any changes to fees or charges due to this event?
29. Lender and Contact Names  Who is my lender and has my loan contact changed?
30. Loan Sales  Will my loan be sold?
31. Line of Credit Advances  Can I continue to perform advances on my personal line of credit?
32. Loan in Process  I have a loan currently in process.  How is my loan impacted?
33. Loan Sweeps  Will my loan sweep be discontinued?
34. Overdraft Line of Credit  Will my overdraft line of credit continue to cover my overdrafts?
35. Payments  How and where do I make my payments?  Can I still pay by phone or at the branch?
36. Pre-payment Penalty  If I refinance with another lender, will my pre-payment penalty be waived?
37. SBA Application in Process  What will happen to my SBA loan application in process?
38. What Happens Now  What will happen to my loan?

GENERAL QUESTIONS

39. All Deposit Transfer versus Insured Deposit Transfer  Why do all deposits, insured or not, pass is some transactions but not in others?
40. FDIC Insurance  How can I find out more about Federal Deposit Insurance rules?
41. Media   I represent a TV/Newspaper/Radio and would like some information.
42. New Bank Insured   Is the new bank insured by the FDIC?
43. Safe Deposit Boxes   How can I claim the contents of my safe deposit box?
44. Shareholder  I am a shareholder in Silver State Bank.  What happens to my shares?
45. Unpaid Bill   I did some work for Silver State Bank and have not yet been paid.  What should I do?
46. What Happened?  What happened, why did the bank fail?
47. Work for FDIC - Contract or Employment   How can I apply to work for FDIC as a contractor or employee?

If you are an investor with a deposit broker, you may need to complete one of these forms only if your investment exceeds $100,000.  However, you must mail your form to your deposit broker for submission to the FDIC.

If your deposits DO NOT exceed $100,000, you DO NOT need to complete these documents or contact the FDIC.

An account hold may be placed on an account due to the need for additional documentation from a depositor.  For example, a Declaration for Trust form may be required to attest to the parties involved in a trust.  These forms can be mailed to you, or you can access them online at Deposit Claims (www.fdic.gov/regulations/laws/forms/#DepositClaims).

If you have a question regarding the completion of required affidavits or declarations, this website contains samples and instructions for completing the declarations (www.fdic.gov/bank/individual/failed/addl_instructions.html).  If your question is not resolved by going to the website, please call 1-800-523-8177 and indicate you have a form completion question.

If you have more than $100,000 in your account, or if the total of your related accounts exceeds $100,000, your accounts may require review by an FDIC Claim Agent. You should call the FDIC at 1-800-523-8177 to schedule an appointment.

Another reason an account hold may be placed is due to the need for additional documentation from a depositor.  For example, a Declaration for Trust form may be required to attest to the parties involved in the trust.  Please contact the FDIC at 1-800-523-8177 to schedule an appointment.

Deposit Broker Processing Guide (www.fdic.gov/deposit/deposits/brokers/index.html)

Should you have any questions regarding the completion of required affidavits or declarations on behalf of your client, please call 1-800-523-8177 and indicate you have a form completion question.

If you are a customer who has a Silver State Bank deposit through a broker, you must contact your broker with any questions.  Once the FDIC receives a balanced investor file along with all the required documentation, from your broker, your insured funds will be wired to them on your behalf.

List of branch locations and phone numbers (www.silverstatebank.com/locations.cfm)

The former Silver State Bank locations will reopen as branches of Nevada State Bank in Nevada and as branches of National Bank of Arizona in Arizona.  Please note you will not be able to transact business at existing Nevada State Bank or National Bank of Arizona branches until you are notified.  Existing customers of Nevada State Bank or National Bank of Arizona will not be able to transact business at these former Silver State Bank branches until you are notified.

If the balance in your account(s) (this includes any accounts in which you have an ownership) is less than $100,000, no action is required on your part at this time.  Your entire account(s) will be transferred and will be available for business as usual during regular business hours at the former Silver State Branches.

If you have more than $100,000 in your account (or $250,000 in your IRA), or if the total of your related accounts exceeds $100,000, your accounts may require review by an FDIC Claim Agent.  All accounts that appear to be related are reviewed to determine ownership and insurance coverage.  Certain entitlements and different types of accounts can be insured in excess of the $100,000.  If you think you might have uninsured deposits, please see question number 1 for information regarding forms you may need to complete to expedite this process.

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

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.

List of branch locations and phone numbers (www.silverstatebank.com/locations.cfm)

If you deposited funds through a broker, the interest will accrue and be paid through Friday, September 5, 2008.

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.

If you have more than $100,000 in your account (or $250,000 in your IRA), or if the total of your related accounts exceeds $100,000, your accounts may require review by an FDIC Claim Agent.  All accounts that appear to be related are reviewed to determine ownership and insurance coverage.  See question number 1 for information regarding forms you may need to complete to expedite this process.

List of branch locations and phone numbers (www.silverstatebank.com/locations.cfm)

When a financial institution is closed, and the Federal Deposit Insurance Corporation ("FDIC") is appointed as receiver, one of FDIC's responsibilities is to sell the institution's assets to pay the depositors and its creditors.  The money generated by the sale of these assets will flow through the Receivership, and periodic dividend payments will be made to proven claimants when excess cash is available.  For an explanation of the dividend process go to FDIC Dividends from Failed Banks (www2.fdic.gov/divweb/index.asp).

Of course, you will receive immediate full payment for your insured amount by transfer to Nevada State Bank.

If you have a deposit through a broker, your insured funds will be wired to your broker on your behalf once the FDIC receives all required documentation from your broker.

You may continue to make your payments at the branch or by phone via check or credit card.

If your loan has been approved by the SBA, but is not yet funded, please contact Mike Cummins at 1-972-400-1882.  He will direct you 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, and you will need to apply with another SBA-approved lender.  Please contact Mike Cummins at 1-972-400-1882 to make arrangements to retrieve your application from the bank.

You may also order Your Insured Deposits or any other FDIC publication through the following:

3501 North Fairfax Drive
Room E-1002
Arlington, VA 22226

703-562-2200 Phone
703-562-2296 FAX
publicinfo@fdic.gov

List of branch locations and phone numbers (www.silverstatebank.com/locations.cfm)

FDIC as Receiver for Silver State Bank
1601 Bryan Street
Dallas, TX 75201

The good news is that no one lost any insured deposit money as a result of the closure of Silver State Bank.  To protect depositors, the FDIC Board of Directors approved the assumption of Silver State Bank’s insured deposits by Nevada State Bank.

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