MONEY MARKET ACCOUNT

An initial deposit of $2500 is required to open a money market account. Interest will be compounded each month and credited to your account each month. You may make no more than six(6) transfers from your account each month by pre-authorized/transfers, internet transfers, point of sale or by telephone. An excess transaction fee will be charged for each debit transaction in excess of six.

SAVINGS ACCOUNT

A savings account requires an initial deposit of $100.00. Interest will be compounded daily and will be credited to your account quarterly. If the balance falls below $100.00 any day during a statement cycle(quarterly) a service charge will apply. You may make no more that six(6) transfers from your account each month by pre-authorized/transfers, internet transfers, point of sale or by telephone. An excess transaction fee will be charged for each debit transaction in excess of six.

CERTIFICATE OF DEPOSIT

A variety of Certificate of Deposit products are available from First State Bank. There are flexible terms to suit your needs with only a $1,000.00 minimum deposit to open. Your interest can be paid monthly by check or deposit, or you can choose to let the interest add back to the CD monthly and watch it grow. There could be a penalty for early withdrawal. Check with your new account representative to see which product best suits your needs.

IRA ACCOUNT

A minimum deposit of $50.00 is required to open an IRA account at First State Bank. Talk to your account representative on specific time requirements and early withdrawal penalties.