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Electronic Statements - it's what's new & exciting at 1st BANK. With Electronic Statement Delivery, you can:

• Reduce the risk of lost or stolen statements
• View, print & save statements right
  to your computer
• View the front & back of cleared checks
• Receive e-mail notifications when your statement is ready

To sign up for Electronic Statement Delivery, login to your on-line banking account, and go to the Electronic Statements tab!!

Business Money Market Deposit Account

• $1,000 minimum balance (if balance falls below $1,000, then $10.00 monthly charge.) "Competitive Interest Rate"
• Monthly statements
• Transfers to another account or third parties are limited**

**You may make six transfers from your account each month or statement cycle (at least four weeks) - three by checks to third parties and withdrawals in person, messenger, mail, ATM are unlimited. Excessive withdrawal fee of $10.00 for every withdrawal/transfer over six per statement cycle.

Certificates of Deposit and Bank Investments
1st Bank pays highly competitive interest rates on CDs and are insured up to $100,000 by the FDIC. Call for current interest rate quotes: (307) 789-3864, toll free 1-800-274-7086 or e-mail us at customerservice@1stbank-online.com.

Individual Retirement Accounts: Better Than Ever
Individual Retirement Accounts (IRA) create value for you to save for your retirement years and for funding education expenses.

Please call 1st Bank SM for more information on Individual Retirement Accounts.

Traditional IRA

• Must have earned income and not reach age 70½ by end of year
• Annual IRA contributions: $4,000 until 2007 and $5,000 in 2008
• Annual limit applies to any combination of IRA plans
• Contributions are fully tax-deductible if you are not an active participant in an employer retirement plan
• Contributions up to the limit are fully tax deductible if you are not an active participant in a retirement plan, otherwise phase-out rules apply.
• Investments grow on a tax-deferred basis
• Earnings are taxed only upon withdrawal
• Opportunity for early withdrawal - Ask us about special circumstances

Roth IRA

• Contribute to a Roth IRA even after age 70 ½, with earned income
• Contributions will not be tax deductible, but the contributions and earnings can be withdrawn tax-free.
• Same contribution limits as Traditional IRA listed above.
• No required minimum distributions after reaching age 70 ½.
• Convert your traditional IRA to a Roth IRA, to take withdrawals tax-free, but is subject to income tax now.
• Opportunity for early withdrawal - Ask us about special circumstances

Catch-up Contributions

• If you have reached age 50, make additional $1,000 catch-up contributions per year to a Traditional or Roth IRA