Free Checking Account

Minimum balance to open the account
You must deposit $100.00 to open this account.

Fees
This is a free account; no monthly service charges, no transaction fees and no processing charges. "Starter" order of ten free checks.

Check style and/or type
Duplicate or carbonized-customer-copy type checks are required for this account.

Automatic overdraft privilege
Beginning 30 days after account opening, we will approve overdrafts for you up to $300.00, if the account is maintained in good standing as defined in our Automatic Overdraft Privilege Policy. These limits include our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s).

ETA^SM

Transaction Limitations
You may make any type of deposit into this account.

You may access your account for cash withdrawals and balance inquiries through ATMs or over the counter. You may make on-line point-of-sale purchases, cash withdrawals, and get cash back with a purchase at no additional charge. You may not access your account in any other way.

Fees
The following fees are the only fees that apply to your ETA^SM :

• A monthly fee of $3.00 will be charged each month.
• An overdraft fee of $10.00 will be charged for each overdraft, but will not exceed $10.00 for each 24-hour settlement period.
• Account research (per hour) - $20.00, $1.00 per copy
• Replace lost ATM card or debit card - $5.00
• Cash withdrawals in excess of four per month (each) - $1.00
• Balance inquiries in excess of four per month (each) - $1.00

Attachment
Many Federal benefit payments, including Social Security benefits, Supplemental Security Income benefits, Veteran's benefits, and Railroad Retirement benefits, are protected from attachment under Federal law. This means that your creditors do not have the right to have these funds taken out of your ETASM. There are a few exceptions, however. For example, funds in your ETASM can be taken to satisfy child support or alimony obligations you owe. If you deposit funds other than Federal benefit payments to your ETASM, your creditors may be able to have those funds taken out of your account, but your Federal benefits would still be protected.

If we receive an order of attachment, garnishment, or levy, we will immediately send you a copy of the order and the name of the creditor and contact person, if any.

If you have questions about a creditor's right to remove funds from your ETASM, contact your benefit agency or your local legal services organization.

Additional information
First State Bank of Warren is required by the Department of the Treasury to ensure that your ETASM meets certain criteria and to provide you with certain disclosures about your ETASM. These obligations are set forth in an ETASM Financial Agency Agreement between First State Bank of Warren and the Department of the Treasury. The text of the ETASM Financial Agency Agreement is publicly available and is published in the Federal Register at 64 FR 38510, dated July 16, 1999.

Special Rules Regarding Amendments and Termination
Generally, we will close an ETASM only if we have cause to believe fraud has occurred in connection with the account, the account has been misused, or the account ceases to be used for the receipt of eligible payments.

First State Bank’s branch and ATM locations are:

Individual Checking Account 5-4-3

Minimum balance to open the account
You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees
If your balance falls below $200.00 on any day in the monthly statement cycle we will impose a service charge fee of $5.00 once during the statement cycle.

If your balance is at least $200.00 on every day in the monthly statement cycle but falls below $300.00 on any day during the monthly statement cycle we will impose a service charge fee of $4.00 once during the statement cycle.

If your balance is at least $300.00 on every day in the monthly statement cycle but falls below $400.00 on any day during the monthly statement cycle we will impose a service charge fee of $3.00 once during the statement cycle.

Ban Club Checking Account

Minimum balance to open the account
You must deposit $100.00 to open this account.

Fees
A service charge fee will be charged to this account depending on the amount of accidental death and dismemberment insurance coverage obtained.

Christmas Club Account

Please see the Common Features section for details on this account.

Insured Money Market Account

Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open the account
You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
Transfers from a Insured Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per statement cycle.

Fees
A per item fee of $1.00 will be charged for each debit transaction in excess of six during a statement cycle.

Super Now Account

Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open this account
You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Fees
A per item fee of $.10 per check will be charged for each debit.

One Account Type I

Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open this account
You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees
If your balance falls below $200.00 on any day in the monthly statement cycle we will impose a service charge fee of $5.00 once during the statement cycle.

If your balance is at least $200.00 on every day in the monthly statement cycle but falls below $300.00 on any day during the monthly statement cycle we will impose a service charge fee of $4.00 once during the statement cycle.

If your balance is at least $300.00 on every day in the monthly statement cycle but falls below $400.00 on any day during the monthly statement cycle we will impose a service charge fee of $3.00 once during the statement cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

One Account Type II

Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open this account
You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

First Century Account

Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open this account
You must deposit $100.00 to open this account.

Minimum balance to avoid the imposition of fees
A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Statement Savings Account

Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every quarter. Interest will be credited to your account every quarter.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties.

Fees
A service charge fee of $1.00 will be charged for each debit transaction in excess of three during a quarter.

Certificates of Deposit

_______________________ Automatic Renewal

Rate Information
The interest rate on your account is _____________% with an annual percentage yield of _____________%. You will be paid this rate until first maturity.

Compounding frequency
Interest will be compounded every ________________.

Crediting frequency
Interest will be credited to your account every ______________.

Effect of closing an account - If you close your account before interest is credited,
        you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $500.00 to open this account.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
You may not make any deposits into your account before maturity.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Time requirements
Your account will mature __________________________.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)

• If your account has an original maturity of 31 days or less:
  • We may impose a penalty of seven days interest on the amount withdrawn subject to penalty, if the withdrawal is made within the first six days after the deposit.
• If your account has an original maturity of one year or less but more than 31 days:
  • The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than one year:
  • The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of interest prior to maturity
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatic renewable time account
This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

__________________________ Single Maturity

Rate Information
The interest rate on your account is _____________% with an annual percentage yield of _________________%. You will be paid this rate until first maturity.

Compounding frequency
Interest will be compounded every ___________________.

Crediting frequency
Interest will be credited every ________________________.

Effect of closing an account - If you close your account before interest is credited,
        you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $500.00 to open this account.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposit
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
You may not make any deposits into your account before maturity.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Time requirements
Your account will mature __________________________.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)

• If your account has an original maturity of 31 days or less:
  • We may impose a penalty of seven days interest on the amount withdrawn subject to penalty, if the withdrawal is made within the first six days after the deposit.
• If your account has an original maturity of one year or less but more than 31 days:
  • The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than one year:
  • The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of interest prior to maturity
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Non-automatically renewable time account - This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

18- Month Variable Rate IRA

Rate Information
The interest rate on your account is ____________________% with an annual percentage yield of ________________%. You interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding frequency
Interest will be compounded every quarter.

Crediting frequency
Interest will be credited to your account every quarter.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
You may not make any deposits into your account before maturity.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Time requirements
Your account will mature __________________________.

Early withdrawal penalties (A penalty may be imposed for withdrawals before maturity.)
The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.

Withdrawal of interest prior to maturity
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Non-automatically renewable time account
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

2-Year Fixed Rate IRA

Rate Information
The interest rate on your account is ____________________% with an annual percentage yield of ________________%. You will be paid this rate until first maturity.

Compounding frequency
Interest will be compounded every ___________________.

Crediting frequency
Interest will be credited to your account every ___________________.

Effect of closing an account - If you close your account before interest is credited,
        you will not receive the accrued interest.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
You may not make any deposits into your account before maturity.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Time requirements
Your account will mature __________________________.

Early withdrawal penalties (A penalty may be imposed for withdrawals before maturity.)
The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of interest prior to maturity
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings

Non-automatically renewable time accounts
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

3-Year Fixed Rate IRA

Rate Information
The interest rate on your account is ____________________% with an annual percentage yield of ________________%. You will be paid this rate until first maturity.

Compounding frequency
Interest will be compounded every ___________________.

Crediting frequency
Interest will be credited to your account every ________________________.

Effect of closing an account - If you close your account before interest is credited,
        you will not receive the accrued interest.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
You may not make any deposits into your account before maturity.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Time requirements
Your account will mature __________________________.

Early withdrawal penalties (A penalty may be imposed for withdrawals before maturity.)
The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of interest prior to maturity
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Non-automatically renewable time account
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

4-Year Fixed Rate IRA

Rate Information
The interest rate on your account is ____________________% with an annual percentage yield of ________________%. You will be paid this rate until first maturity.

Compounding frequency
Interest will be compounded every ___________________.

Crediting frequency
Interest will be credited to your account every ________________________.

Effect of closing an account - If you close your account before interest is credited,
        you will not receive the accrued interest.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
You may not make any deposits into your account before maturity.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Time requirements
Your account will mature __________________________

Early withdrawal penalties (A penalty may be imposed for withdrawals before maturity.)
The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of interest prior to maturity
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Non-automatically renewable time accounts
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

Common Features

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

Automatic Overdraft Privilege will provide you with the ability to overdraw your account, up to $300.00 for our free checking account and $500.00 for other checking accounts.

As long as your account has been open 30 days and maintained in good standing, defined as: A) Making regular deposits sufficient to cover your transactions; B) Bringing your account to a positive balance - meaning not overdrawn for more than 30 days consecutively - and; C) There are no legal orders outstanding on your account, we will normally honor (pay) your overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds (NSF) Charge(s).

This “Automatic Overdraft Privilege” is extended to you to provide additional flexibility and convenience in managing your funds, and to provide you with peace of mind knowing your checks will be honored up to your assigned overdraft privilege limit.

This non-contractual courtesy requires no action on your part. You do not have to sign any additional documents and it costs you nothing unless you use the privilege - by initiating checks, electronic funds transfers, or other payment or withdrawal requests for more than you have on deposit in your account. If you maintain your account in good standing and you have need for this "privilege", we will pay your checks up to your assigned limit, and we will charge your account our normal NSF Charge for each item that overdraws your account. We will send you a notice each time an overdraft occurs.

Automatic Overdraft Privilege is another convenience, and another good reason, to bank with First State Bank.

Please read the policy which will further clarify any questions you may have. If you still have questions, do not hesitate to call us at (870) 226-2601.

Thank you for banking with First State Bank!

First State Bank (Non-Sufficient Funds)
Overdraft Privilege Policy

It is the policy of our Bank to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards.

An insufficient balance may result from: A) The payment of checks, electronic funds transfers, or other withdrawal requests; B) Payments authorized by you; C) The return, unpaid, of items deposited by you; D) The imposition of bank service charges; or E) The deposit of items which according to the Bank's Funds Availability Policy, are treated as not yet "available" or finally paid.

We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. However, if you maintain your account in good standing, defined as: A) Making regular deposits; B) Bringing the account to a positive balance every 30 days or less; and C) There are no legal orders outstanding, we will approve your reasonable overdrafts as a non-contractual courtesy. Generally, we will not approve an overdraft for you in excess of $300.00 for Free Checking Accounts open more than thirty (30) days, or $500.00 for other Personal Checking accounts open more than thirty (30) days. These limits include our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s).

We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have, however, we have no obligation to notify you before we pay or return any item. The amount of any overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s).

Limitations
Available to consumer accounts (excluding Money Market accounts) for personal and household use and Commercial accounts including Doing Business As accounts, and we may limit the number of accounts eligible for Automatic Overdraft Privilege to one account per household or Business. Additionally, we reserve the right to not approve any overdrafts against your account until we can verify that your account is being maintained in good standing as defined above.

Account Fees
Whether we pay or return a Non-Sufficient Funds Item, a flat per-item handling fee will be charged to your account as a Non-Sufficient Funds or Overdraft (NSF/OD) Charge, as set forth in our common fees schedule.