Dear First Bank Client,

The recent events in the financial sector have given us all cause to stop and review our own financial situation. Despite a challenging economic climate, our Customer base is strong and growing and our numbers reflect safety and security.

While we don't have a crystal ball, we do expect the economy to remain fragile through 2009. The best course of action for our Customers is to be disciplined: avoid splurging; identify and cut out unnecessary expenses and save for what's essential; and hedge against those tough times. We can all benefit by developing good spending habits: confront - and cut up - credit cards; use your home as a savings vehicle - not as an ATM; and establish and contribute regularly to an IRA or 401 (k).

In this difficult and challenging financial environment, we work tirelessly to safeguard your deposits, mortgages and savings. Importantly, your deposits are FDIC-insured according to its limits. Our security processes are the most up-to-date available to keep your money safe. We do need your help to keep these safeguards going, keep passwords to yourself, never give personal information through an email, and always install both the latest antivirus and anti-malware software on your home computer.

Thank you for your continued trust in First Bank. We will not waiver from our promise to provide you with the best customer service, security and safety. We will be happy to share additional information with you and answer your specific questions. Just give us a call or stop in our location nearest you.

Sincerely,

Jeff Laudermilk
President