Bank Disclosures

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

NMLS Notice

NMLS Notice: Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act of 2008

In accordance with the Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act of 2008, all persons employed by Business First Bank acting as Mortgage Loan Originators have been registered with the Nationwide Mortgage Licensing System & Registry (NMLS). For a current list of all Mortgage Loan Originators and their corresponding NMLS registry identification numbers, please send a written request to the following address.

Business First Bank
Attn: Compliance Officer

500 Laurel Street Suite 100
Baton Rouge, LA 70801

The Institution Identification Number with the NMLS Registry for Business First Bank is 721655.

The Institution Identification Number with the NMLS Registry for Business First Mortgage is 853803.

Further information and verification on the Bank’s Mortgage Loan Originators may be found on the NMLS Consumer Access website at www.NMLSConsumerAccess.org. NMLS Consumer Access is provided without charge to the public.