Conversion Update

The weekend of October 19-21, 2012 culminated a five month process of merging the Farmers & Traders State Bank family with the First State Bank family. We appreciate your patience as we navigate the inevitable challenges that this merger will bring. Rest assured we are doing everything in our power to make this final transition seamless. We have updated the Frequently Asked Questions guide to help you with any of the recent changes from the conversion. Don't hesitate to contact your local branch if you have any questions or concerns. Thank you for your trust and support during this process. We are looking forward to a long lasting relationship moving forward.

Timothy J. McConville

President and CEO

Important Disclosure Regarding Deposit Insurance on Noninterest-bearing Transaction Accounts