First State Bank

First State Bank

www.hud.gov

www.fdic.gov

First Bank is participating in the FDIC�s Transaction Account Guarantee Program. Under the program, through June 30 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC�s general deposit insurance rules. (NOW Accounts are not eligible.)

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	Individual Retirement Accounts First State Bank�s individual retirement accounts are FDIC insured and can be opened as a savings styled or CD styled account. The savings styled account can be opened with as little as $100 and the CD styled account can be opened with as little as $500. The interest compounds on a tax-deferred basis (consult your tax advisor). There is a fee of $25 per transfer to transfer funds out of the bank. We offer highly competitive rates and terms for our IRAs, so contact us today to open your IRA at First State Bank! Traditional or Roth IRA Savings Styled $100.00 Minimum Balance Required $25.00 Fee for Transfer of Funds Out of Bank (Per Transfer) (Please contact us for current rates)