First State Bank

Fixed Rate Accounts
Effective Date 11/22/2008 to 11/28/2008
APY - Annual Percentage Yield

CD Terms	APY	Rate	G/O, First Choice & First Premier Checking APY	G/O, First Choice & First Premier Checking APY
91 Day (Minimum $500)	1.25%	1.24%	1.30%	1.29%
182 Day & 6 Month (Minimum $500)	1.50%	1.49%	1.55%	1.54%
12 Month (Minimum $500)	1.75%	1.73%	1.80%	1.78%
30 Month (Minimum $500)	2.15%	2.13%	2.20%	2.18%
36 Month (Minimum $500)	2.25%	2.23%	2.30%	2.27%
48 Month (Minimum $500)	3.15%	3.10%	3.20%	3.15%
60 Month (Minimum $500)	3.50%	3.44%	3.55%	3.49%

IRA

IRA Terms	APY	Rate	G/O, First Choice & First Premier Checking APY	G/O, First Choice & First Premier Checking APY
182 Day & 6 Month (Minimum $500)	1.50%	1.49%	1.55%	1.54%
12 Month (Minimum $500)	1.75%	1.73%	1.80%	1.78%
30 Month (Minimum $500)	2.15%	2.13%	2.20%	2.18%
36 Month (Minimum $500)	2.25%	2.23%	2.30%	2.27%
48 Month (Minimum $500)	3.15%	3.10%	3.20%	3.15%
60 Month (Minimum $500)	3.50%	3.44%	3.55%	3.49%

Specials

Special	APY	Rate	G/O, First Choice & First Premier Checking APY	G/O, First Choice & First Premier Checking APY
7 Month CD or IRA (Minimum $500, renewable at the 6 month rate)	3.13%	3.08%	3.18%	3.13%
15 Month CD or IRA (Minimum $500, renewable at the 12 month rate)	3.53%	3.47%	3.58%	3.52%
29 Month CD or IRA (Minimum $500, renewable at the 30 month rate)	4.03%	3.95%	4.08%	4.00%
45 Month CD or IRA (Minimum $500, renewable at the 48 month rate)	4.50%	4.40%	4.55%	4.45%

Variable Rate Accounts
Effective Date 10/01/2008 to 12/31/2008
APY - Annual Percentage Yield

IRA

Account	APY	Rate	G/O, First Choice & First Premier Checking APY	G/O, First Choice & First Premier Checking APY
IRA Variable (No Minimum Deposit)	1.54%	1.53%	1.59%	1.58%

MFI Pers. & Non-Pers.
Effective Date 11/22/2008 to 11/28/2008
APY - Annual Percentage Yield