Corporate Profile Star Banc Corporation is a regional multi-bank holding company headquartered in Cincinnati, Ohio. Through its subsidiary full service banks, the Corporation offers a comprehensive line-up of banking and related financial services to individuals, businesses, financial institutions, non-profit organizations and government entities in its primary market areas of Ohio, Kentucky and Indiana. At year-end 1997, total assets were $10.96 billion, and market capitalization was $4.9 billion. Star Banc Corporation is the parent of Star Bank, N.A., which on December 31, 1997, operated 279 banking offices. Ranked by asset size, Star Banc is the 49th largest banking organization in the country. The Corporation was founded in 1863 as The First National Bank of Cincinnati under National Bank Charter Number 24 signed by President Abraham Lincoln. Over the years, the bank grew in its own markets and by acquiring banks in other markets and merging them into its operations. In 1973, the bank holding company was formed. All of its subsidiary banks were renamed Star Bank in 1988, and the Corporation was renamed Star Banc Corporation in 1989. In 1993, the Corporation merged its 10 independent Star Banks into three banks, one per state in Ohio, Kentucky and Indiana. In 1996, those three banks were merged into a single entity, Star Bank, N.A. Metropolitan Banking Star Bank maximizes its ability to serve our Metropolitan Banking markets through the management of major independent lines of business - Consumer Banking, Commercial Banking and Trust Financial Services. Community Banking All of Star Bank's Consumer, Commercial and Trust products and services are offered and marketed through Star Bank offices in smaller urban and non-urban markets with local autonomy in resource allocation, community affairs, business development and pricing. Ohio Akron, Canton, Cincinnati, Circleville, Cleveland, Columbus, Dayton, Eaton, Gallipolis, Hamilton, Hillsboro, Ironton, Portsmouth, Sidney, Troy, and Youngstown. Kentucky Campbell and Kenton Counties in Northern Kentucky; Louisville; Central Kentucky, including Barren, Boone, Boyle, Carroll, Estill, Fayette, Madison, Marion, Pendleton, Shelby and Washington Counties, and Western Kentucky, including Daviess, Hancock, Henderson and McLean Counties. Indiana Southeastern and Eastern Indiana, including Dearborn, Fayette, Floyd, Randolph and Wayne Counties. FIVE STAR SERVICE GUARANTEE Some banks promise great service. Star Bank guarantees it. Star Bank guarantees we will deliver on core service standards which are most important to our customers, such as: quick response, questions answered promptly, accurate and timely statements and other information, availability of ATM machines and 24-Hour Customer Service lines, plus others. Every line of business at Star Bank has its own customized Five Star Service Guarantee for its customers. And, if Star ever fails to deliver on any element of its guarantee, the customer's account is credited. All employees wear a Star Bank "service guaranteed" lapel pin everyday to tell our customers that quality service is paramount at Star Bank. NYSE: STB Subsidiaries Star Bank, N.A. The largest subsidiary of the Corporation. The bank operates full service banking offices in Ohio, Indiana and Kentucky Star Banc Finance, Inc. A wholly-owned consumer finance company, headquartered in Cincinnati and licensed in Ohio, Indiana, Kentucky and 14 other states. Miami Valley Insurance Company An Arizona insurance company which provides credit life and other similar insurance products to customers of Star Banc Corporation. to the top