Loans

Home Equity Line Of Credit^*†
Like a credit card, your money is available when and where you need it. You can make purchases and pay them off as you choose. Once you pay down your balance, the money is available for your use again.

Very competitive interest rates
Interest only payment option available for lower payments
No up-front fees or closing costs
Borrow up to 80% of your home’s value
5-year time period to access credit, 10-year for interest only
Access to your account is as simple as writing a check

Home Equity Loan^**†
A great choice when you are planning to make a large, one-time purchase.

Rate and payment remain the same
Very competitive interest rates
Reduce your rate ¼% with automatic payment from your First State Bank checking account
Borrow up to 80% of your home’s value
Up to 20-year term to reduce payment
No application fee, closing costs, annual fee or pre-payment penalty

If you already have a Home Equity Loan with another bank, it’s easy to transfer your balance and enjoy all the benefits of our home equity options.

Other Loans

First State Bank also offers several other loans to meet specific financial needs including:

Auto
Boat
Classic cars

For more information or to learn which option is right for you, visit any
branch or call First State Bank at 1-866-372-1275.

*Lines of Credit-Rates are priced at Prime Rate plus or minus a percentage which is determined by your loan amount, term, credit history, combined loan-to-value (LTV) and debt-to-income ratios. The Prime Rate is as published on the last business day of the month in the Wall Street Journal, currently 7.50 as of 11/1/07. The Prime Rate is a variable rate with the maximum annual percentage rate (APR) of 18% and is subject to change without notice. A balloon payment will result at the end of the 5 or 10 year loan term. On the Interest Only Line of Credit, there is a $50 annual fee after the first year waived for certain checking accounts and a $350 early termination fee if the account is closed within 36 months.

**Home Equity Loan-Rates are tiered and based on term, credit history and loan to value (LTV) ratio. A 5 year terms loan at 80% LTV and an exemplary credit score would receive a rate of 6.35%. A 5 year home equity loan of $10,000 at 6.35% APR results in 60 monthly payments of $195.

+Home Equity Lines and Loans-Consult our tax advisor regarding tax deductibility. Property insurance is required; flood insurance may be required. Subject to credit approval. Any taxes, fees, or conditions imposed by the city, state, or county where the property is located are the borrower’s responsibility.