First State Bank

Fixed Rate Accounts
Effective Date 2/3/2010 to 2/9/2010
APY - Annual Percentage Yield

CD Terms	APY	Rate	G/O, First Choice & First Premier Checking APY	G/O, First Choice & First Premier Checking Rate
90 Day (Minimum $500)	.50%	.50%	.55%	.55%
6 Month (Minimum $500)	.75%	.75%	.80%	.80%
12 Month (Minimum $500)	1.01%	1.00%	1.06%	1.05%
30 Month (Minimum $500)	1.25%	1.24%	1.30%	1.29%
36 Month (Minimum $500)	1.50%	1.49%	1.55%	1.54%
48 Month (Minimum $500)	2.00%	1.98%	2.05%	2.03%
60 Month (Minimum $500)	2.80%	2.76%	2.85%	2.81%

IRA

IRA Terms	APY	Rate	G/O, First Choice & First Premier Checking APY	G/O, First Choice & First Premier Checking Rate
90 Day (Minimum $500)	.50%	.50%	.55%	.55%
6 Month (Minimum $500)	.75%	.75%	.80%	.80%
12 Month (Minimum $500)	1.01%	1.00%	1.06%	1.05%
30 Month (Minimum $500)	1.25%	1.24%	1.30%	1.29%
36 Month (Minimum $500)	1.50%	1.49%	1.55%	1.54%
48 Month (Minimum $500)	2.00%	1.98%	2.05%	2.03%
60 Month (Minimum $500)	2.80%	2.76%	2.85%	2.81%

Specials

Special	APY	Rate	G/O, First Choice & First Premier Checking APY	G/O, First Choice & First Premier Checking Rate
11 Month CD or IRA (Minimum $500, renewable at the 12 month rate must have checking account)	1.15%	1.14%	1.20%	1.19%
36 Month CD or IRA (Minimum $500, renewable at the 36 month rate; Must have checking account)	2.25%	2.22%	2.30%	2.27%
60 Month CD or IRA (Minimum $500, renewable at the 60 month rate; Must have checking account)	3.05%	3.00%	3.10%	3.05%

Variable Rate Accounts
Effective Date 1/1/2010 to 3/31/2010
APY - Annual Percentage Yield

IRA

Account	APY	Rate	G/O, First Choice & First Premier Checking APY	G/O, First Choice & First Premier Checking Rate
IRA Variable (No Minimum Deposit)	0.06%	0.06%	0.11%	0.11%

MFI Pers. & Non-Pers.
Effective Date 2/3/2010 to 2/9/2010
APY - Annual Percentage Yield