First State Bank, Three Rivers

Rates as of Wednesday, January 30, 2012

Type of Account	APY*	Interest Rate
Savings Account	0.15%	0.15%
Now Account	0.10%	0.10%
Money Market Checking Account - Under $100K	0.10%	0.10%
$100 K - $499,999.99	0.15%	0.15%
$500K & Over	0.20%	0.20%

Certificate of Deposit (minimum Deposit $1,000.00)	APY*	Interest Rate
30 Day	0.10%	0.10%
90 Day	0.15%	0.15%
6 Month	0.25%	0.25%
12 Month	0.40%	0.40%
18 Month	0.50%	0.50%
24 Month	0.60%	0.60%

Jumbo Certificate of Deposit ($100,000.00 and over)	APY*	Interest Rate
30 Day	0.10%	0.10%
90 Day	0.15%	0.15%
6 Month	0.25%	0.25%
12 Month	0.40%	0.40%
18 Month	0.50%	0.50%
24 Month	0.60%	0.60%

IRAs	APY*	Interest Rate
12 Month Fixed	0.40%	0.40%
18 Month Fixed	0.50%	0.50%
12 Month ROTH IRA	0.40%	0.40%
12 Month Education IRA	0.40%	0.40%

* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate. At our discretion, we may change the interest rate and APY on the above listed accounts at any time.

PENALTY FOR EARLY WITHDRAWAL
FOR ADDITIONAL INFORMATION ABOUT FEES AND TERMS OF ACCOUNTS, PLEASE CONTACT BANK PERSONNEL.

Member FDIC

First State Bank

Equal Housing Lender

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 noninterest-bearing transaction accounts, visit:
http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.

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