Star Banc
Convenience and Service - 1997 Highlights
At Star Bank, customer convenience and service set the standard for the industry. Star Bank delivers on its commitment to define convenience and service in our market areas. Among the rewards for banking with Star are our multiple, round-the-clock distribution channels; products and services that are easy to use and understand; our exclusive Five Star Service Guarantee; new products that meet changing customer needs, and simply being first with the very best in banking.

"Bank Without Boundaries" Defines Star's 24-Hour Banking System
Star Bank continues to enhance its exclusive, fully integrated 24-Hour Banking System. At the forefront of alternative service delivery since the System's launch three years ago, Star gathers momentum with continuous innovations. With Star BillPay, customers use the sound of their voice, not code numbers, to pay bills through Voice Banking or handle banking and bill paying with just a point-and-click with PC Banking. Internet Banking is Star's newest breakthrough and offers Star customers no-fee access to full-service banking on the Internet to pay bills and access their Star Bank accounts. Star's Super ATMs continue to lead the industry in most-wanted features and state-of-the-art functionality. Technology and convenience combine in our Video Banking Centers which include face-to-face video banking, Super ATMs, automated loan applications, Voice Banking and more, in specialized high traffic locations. Our branch network continues to grow, led by booming growth of in-store locations in partnership with some of the region's premier supermarkets and retailers.

Star Bank Express, The Next Generation in Banking Convenience
Full service electronic banking and comprehensive merchant service center... that's Star Bank Express at one of the tri-state's most prestigious and successful shopping malls. Complete with PC/Internet banking connections, Super ATMs, Video and Voice Banking, Star Bank Express is the showcase for our exclusive Star Bank Advisor, an interactive kiosk for full-service financial planning information. From buying a home to evaluating retirement income needs to computing a savings plan for college tuition, the Star Bank Advisor provides a complete financial picture.

Five Star Circle of Service Excellence
Just as we back our Five Star Service Guarantee to customers with cash, Star Bank also rewards those employees who exemplify outstanding quality customer service. Each quarter, Star inaugurates five employees into the Circle of Service Excellence from among all those who have been nominated by customers. Recognition includes personal congratulations from Star's corporate directors and winners receive options on shares of Star Banc Corporation stock. It's just another way Star Bank reinforces its commitment to service.

Star's LockRateSM Feature Plus Visa® Access Make EquiLineSM
Home Equity Lines of Credit More Flexible

With our exclusive LockRate feature, the customer can convert any portion of the outstanding balance of their EquiLine to a fixed rate loan with just a simple phone call. Customers can also access their EquiLine by their Visa Gold Card.

Star Bank Introduces the Business Check Card from Visa®
Star is first again in delivering on our commitment to offer specialized products for businesses with up to $5 million in annual sales. Now, small business customers can enjoy the convenience and control they need to execute and manage business banking and purchasing needs. The Star Bank Visa Business Check Card makes it possible for the small business owner to reduce the number of check requests, reduce the inconvenience of petty cash administration and increase their control over recordkeeping and expenses. Star Bank is one of only a handful of banks in the country to offer this new financial management tool, reflecting Star's leadership position in this growing customer segment.

Star Bank Central Ohio Headquarters moves to Heart of Ohio's
Fastest Growing Market

Signifying Star's commitment to Central Ohio and our growing presence in that market, we relocated regional headquarters into the heart of downtown Columbus, the state capital and an economic powerhouse. Central Ohio boasts one of the lowest unemployment rates in the country, combined with population growth, younger demographics and a strong, diverse business base.

Star Banc Corporation Expands in the Commonwealth
In February 1998, Star Banc completed its acquisition of Great Financial Corporation headquartered in Louisville, Kentucky. With most of Star's prior Kentucky business concentrated in the northern part of the Commonwealth, the acquisition expands Star markets into the Greater Louisville area, Central Kentucky and Western Kentucky, offering customers in those areas a broader range of consumer and commercial financial services, an expanded ATM network and the introduction of trust and investment services.

Star Bank Takes Internet Banking Beyond Home Page Information
to Full Account Access

Now customers of Star Bank can experience true Internet Banking with full, no-fee access to actively manage their Star Bank accounts. Users can check balances, transfer funds, even order stop payments in real time, right through the Internet, without loading special software. Immediate, free, secure access and Star Internet Banking BillPay [effective March 1998] position Star Bank Internet Banking as an industry leader.

Star Bank Loan-A-Thons Bring Information and Applications to the Community
Throughout its market areas, Star has introduced Loan-A-Thons, community- based opportunities for individuals, families and small businesses, to meet with Star Bank loan representatives during non- traditional hours at convenient sites. During the day-long event, Star Bank representatives discuss loan opportunities and options and take applications for auto, mortgage, home improvement, small business and other types of loans. Applicants can expect an answer on their loan requests within 24 hours.

In-Store Banking Convenience Grows in all Star Markets
Star Bank elevates the convenience of branch banking with 7-day-a-week banking in major supermarkets and other retailers. Convenient locations, extended hours and full financial services, combined with lower operating costs, make In-Store banking a continuing strategy for Star Bank and a continuing banking benefit for our customers.

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