1.                    The First State Bank of Bigfork is located at 400 Main Avenue, Bigfork, MN in Census Tract 9801. 

2.                    The lending community consists of northern Itasca County, state of Minnesota (see map for details).

3.                    To this community we extend the following principal types of credit:

3.1.               Farm Real Estate Mortgages;

3.2.               Conventional Home Mortgages;

3.3.               Home Improvement Loans;

3.4.               Small Business Loans;

3.5.               Farm Loans;

3.6.               Commercial Loans;

3.7.               Consumer Loans;

3.8.               Home Equity Lines of Credit;

3.9.               Commercial Lines of Credit.

4.                    To this community we extend the following principal deposit products:

4.1.               Passbook Savings;

4.2.               Christmas Club Savings;

4.3.               Check Start;

4.4.               Regular Checking;

4.5.               Edge Account (55 & over);

4.6.               NOW Checking;

4.7.               Money Market Checking;

4.8.               Super Money Market Checking (Eagle Account);

4.9.               Individual Retirement Account (Traditional, Roth and Coverdell Educational);

4.10.            91 Day Certificate of Deposit;

4.11.            182 Day Certificate of Deposit;

4.12.            1 Year Certificate of Deposit;

4.13.            2 Year Certificate of Deposit;

4.14.            3 Year Certificate of Deposit;

4.15.            4 Year Certificate of Deposit;

4.16.            5 Year Certificate of Deposit;

4.17.            Health Savings Accounts.

The fees on the checking accounts are $7 per month plus .10 per check if the balance drops below $100.  The exceptions to this are the Check Start Account which gives the first 10 checks free, and the Edge Account which has no service charge. 

5.                    To this community we extend the following other products:

5.1.               Safe Deposit Boxes;

5.2.               SHAZAMCheck debit card;

5.3.               Automated Teller Machines;

5.4.               Telephone Banking;

5.5.               Internet Banking;

5.6.               Travel Money Cards;

5.7.               Gift Cards.