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. Transfers from your Money Market Account to another account or to a third party are limited to six per statement cycle with no more than three by check, draft or similar order to third parties and point of sale. An excess transaction fee of $15.00 will be charged for each debit transaction in excess of six, with no more than three by check, draft or similar order to third parties.

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 in the account falls below $100.00 during a statement cycle there will be a $5.00 service fee charged each quarter. Withdrawals are limited to 6 per quarter. For every withdrawal beginning with the seventh there will be a charge of $1.00.

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.