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*APY = Annual Percentage Yield. Rate is effective 12/1/2009. Fees may reduce the earnings on the account. Rates are subject to change.

Beginning January 1, 2010, First Security Bank will no longer participate in the FDIC's Transaction Account Guarantee Program. Thus, after December 31, 2009, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 through 12/31/2013, under the FDIC's general deposit insurance rules.

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