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Linked Deposit

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First State Bank now participates in the Missouri Linked Deposit Program, a statewide program that partners with lending institutions to provide low-interest business loans to help create and retain jobs in Missouri.

The program helps lending institutions provide funding to Missouri-based companies by reducing the interest rate on loans that borrowers can use to improve their businesses. Participating lenders can sometimes lower interest rates to the borrower by 2-3 percent.

The Missouri Linked Deposit Program is well-funded with a total of $720 million available.  The program’s eligibility guidelines have expanded, making low-interest loans available to more small businesses creating jobs.  Find more information about the program online at http://www.treasurer.mo.gov/LinkedDeposit.asp.

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a “non-interest bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “non-interest bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money market deposit accounts, and Interest on Lawyers Trust Accounts (IOLTAs). For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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