Welcome To Great American Bank

Great American Bank-KC Branch Update:

Kansas City customers, please take the time to come by and see the improvements we have made to our location at 3901 Main. We have completed some interior remodeling, installed a new drive through system to improve our service response, and have upgraded all of our computer systems to better serve our customers. Please come by and say hello to our friendly staff and let us know what we can do to help you with all of your banking needs.

As of December 17 all deposit accounts will be converted over to Great American Bank’s system. With this we want to introduce you to our internet banking service, which many of you have been anxiously waiting for. If you would like to sign up for this service, we will need to receive an internet banking application from you. This can be accomplished by:

1. Going to our Online Banking page and downloading the application form. Please fill it out and fax to the bank or drop off.
2. Stop by and pick up an application and fill out while you are at the branch.

Thank you for banking with us and let us know what we can do to improve your banking experience at Great American Bank.

Sincerely,
L. Travis Hicks
President & CEO

Dana Matthews
AVP, Branch Manager-KCMO

Dear Former First Bank Account Holders:

Effective December 16, 2009 your account will be transferred over to Great American Bank’s system. The good news is your old account number will remain the same, however, the routing number will change to: 101002855.

There are some important steps to take to make sure you continue to have uninterrupted access to your account(s) and ATM/Debit card. We are asking that you discontinue the use of the old First Bank Checks and old First Bank ATM/Debit card after December 16, 2009. On December 17, 2009 you can then begin writing checks (see below) with your new Great American Bank checks and ATM/Debit Card provided free by us. We will temporarily clear your old First Bank checks through the same process, but need your help to change on this date.

NOTE: If you order your own supply of checks please make sure to use the above new routing number and same dates for implementation.

Savings Accounts:
You will continue to use the same process for deposits and withdrawals at the bank.

Checking Accounts/Now Accounts/Money Market Accounts:
If you had ordered checks sometime in the last 2 years, we will have new complimentary checks at the bank branch at 3901 Main for you to pick up by December 10. Please bring with you at least 2 forms of identification (preferably a drivers license and social security card) in order to claim. Also, please bring in your old checks and we will gladly shred them for you. If you have not ordered checks recently, please call or come by and we will make sure to get your new checks ordered.

ATM/Debit Card Holders:
Your new ATM/Debit card will also be available by December 10 for you to pick up at the bank branch at 3901 Main. Please bring with you at least 2 forms of identification (preferably a drivers license and social security card) in order to claim your card.

Additionally, you will be receiving 2 statements for month end. One for the activity on the old First Bank account through December 16, 2009 and the other for your new Great American Bank account activity after December 16, 2009.

Finally, if you would like to be set up with internet banking, please go here and print out an on-online banking form, fax back to the bank or drop off at either location. Thank you for your cooperation, understanding, and your banking business. We appreciate you as a client and look forward to getting to know you better.

Sincerely,
L. Travis Hicks
President & CEO

Dana Matthews
AVP, Branch Manager-KCMO

A Message from our President, L. Travis Hicks

It is with great pleasure that I announce Great American Bank’s acquisition of First Bank of Kansas City, MO from the FDIC effective at the close of business on Friday September 4, 2009. Great American Bank has assumed all deposits and loans from the former First Bank and we will begin the process of getting to know our new customers. All former First Bank customers are now customers of Great American Bank, and your deposits continue to be insured to the FDIC limits.

We are excited to be entering the Kansas City, MO market and believe our friendly banking services will make a difference in this community just like we do in De Soto, KS.

Great American Bank offers traditional bank services with deposits, loans, safety deposit boxes, and internet banking. We believe we will be able to expand and enhance the current services that were previously offered by First Bank. I want to personally welcome all former First Bank Customers and welcome them to Great American Bank, I look forward to meeting you.

There will be more information in the coming weeks, so stay tuned.

Sincerely,
L. Travis Hicks
President & CEO

Friday, September 4, 2009:	Until 9:00 PM
Saturday, September 5, 2009:	9:00 AM – 6:00 PM
Sunday, September 6, 2009:	12:00 PM – 6:00 PM
Thereafter:	8:00 AM – 8:00 PM

On September 4, 2009, First Bank of Kansas City, Kansas City, Missouri was closed by the Missouri Division of Finance. The Federal Deposit Insurance Corporation (FDIC) was then named Receiver. Subsequent to the closure, Great American Bank, Desoto, Kansas acquired substantially all the deposits and assets of First Bank of Kansas City from the FDIC as Receiver for First Bank of Kansas City. Any claims by equity holders were not acquired.

THE TOTAL BALANCE IN YOUR ACCOUNT(S) HAS BEEN TRANSFERRED TO GREAT AMERICAN BANK OF DESOTO, KANSAS AND WILL BE AVAILABLE FOR TRANSACTIONS DURING REGULAR BUSINESS HOURS AT THE FORMER FIRST BANK OF KANSAS CITY STARTING ON SATURDAY, SEPTEMBER 5, 2009.

YOU MAY CONTINUE TO USE YOUR SAME CHECKS, ATM CARDS AND DEBIT CARDS UNTIL NOTIFIED.

ALL DIRECT DEPOSITS, INCLUDING SOCIAL SECURITY CHECKS, WILL CONTINUE AS USUAL.

1. Account(s): What about my account(s)?
2. ATM/debit card and/or Billpay: What about my ATM/debit card/Billpay account?
3. Direct Deposits - Government Deposits: Will my direct deposits continue?
4. Existing Deposits at GREAT AMERICAN BANK: Am I still insured with deposits in both banks?
5. Interest Rates, Early Withdrawal Penalty: Will I continue to earn interest at my existing rate? Will there be an early withdrawal penalty?
6. Loans/mortgages: What about my loan or mortgage?
7. Loans in Process: What if I had a loan in process?
8. Media: I represent a media outlet and would like to speak to a representative.
9. Outstanding Checks: What about checks that have not yet cleared my account?
10. Safe Deposit Boxes: What about my safe deposit box?
11. Shareholders: What about my stock?
12. Transaction Types: All Deposit Transfer versus Insured Deposit Transfer?
13. Unpaid Bills: I did some work for the bank and have not been paid. What should I do?

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1. What about my account with First Bank of Kansas City?
If you had an account with First Bank of Kansas City, you now have an account with Great American Bank, Desoto, Kansas. All deposit accounts, which include checking, savings, money market, CDs and retirement accounts, have been transferred to Great American Bank, Desoto, Kansas, regardless of the dollar amount. No one lost any money on deposit in First Bank of Kansas City.

Customers of both banks should continue to use their existing branches until Great American Bank can fully integrate the deposit records of First Bank of Kansas City.

To forewarn you of any scams, please be advised that you will not receive any e-mail notification from the FDIC, the Receiver, or GREAT AMERICAN BANK, DESOTO, KANSAS to claim/unlock/unsuspend your account or to provide any private information. Please be watchful for and resist any such scams to obtain information from you by individuals or entities purporting to act on behalf of First Bank of Kansas City or the FDIC.

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2. What about my ATM/debit card and/or bill paying with First Bank of Kansas City?
Your ATM/debit card will continue to work, and bill paying will work as it has in the past.

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3. What will happen to my direct deposits?
Direct Deposits, including Social Security checks, will continue as normal.

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4. 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 accounts transferred to GREAT AMERICAN BANK, DESOTO, KANSAS will be separately insured for at least six months after the merger. This grace period gives a depositor the opportunity to restructure the accounts, if necessary.

CDs from the failed 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.

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5. Will I continue to earn interest at the same rate? Will I be charged an early withdrawal penalty?
Interest on all deposits accrued through Friday, September 4, 2009, will be paid at your same rate. Great American Bank will review rates and notify you if interest rates will change.

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.

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6. What about my loan or mortgage with First Bank of Kansas City?
All mortgages and loans have been assumed by Great American Bank. Your payment amount and due date are the same. If you are having your payment deducted from your account, it will continue as it has in the past. You should continue to make your checks payable to First Bank of Kansas City and send your payments to the same address.

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7. What happens if I had a loan in process that had not closed or a line of credit not fully funded?
You should contact your loan officer. All prior contacts remain the same.

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

Contact: David Barr
202-898-6992 (office)
703-622-4790 (cell)
dbarr@fdic.gov

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9. What about checks that I have written on my account with First Bank of Kansas City?
Your checks will clear up to the available balance in your account. You can continue to use your existing checks
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10. How can I claim the contents of my safe deposit box?
It is business as usual. You can go to your local branch and access your safe deposit box; however, no action on your part is required because of this transaction.

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11. What about my shares of stock?

SHARES IN BANK HOLDING COMPANY:

All shares of First Bank of Kansas City were owned by its holding company, Bancorp III, Inc. Stillwell, Kansas. The holding company was not included in the closing of the bank or the resulting receivership. If you are a shareholder of Bancorp III, Inc., please do not contact or file a claim with the Receiver. You may contact Bancorp III, Inc. directly for information as follows:

Bancorp III, Inc.
20390 Beverly Circle
Stillwell, Kansas 66085

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12. Why do all deposits, insured or not, pass in 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 has been able to transfer all deposits in about 25% of the failures over the past 15 years.

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13. I did some work for the bank and have not been paid. What should I do?
All claims against First Bank of Kansas City, together with proof of the claims, must be submitted in writing to the Receiver at the following address:

FDIC as Receiver for First Bank of Kansas City
1601 Bryan Street
Dallas, TX 75201
Attention: Claims Agent

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