PERSONAL BANKING

1st Classic Checking Account
For seniors 55 and above
Available in the state of Nevada only

Minimum Balance to Avoid Charges

Minimum Daily balance of $1,000.00 to avoid $2.50 monthly service charge.*

Other Features

Free unlimited bank stock checks. Receive images of your cancelled checks back monthly with your statement. Direct deposit service available with this account. No annual fee for ATM or Debit Cards. Overdraft privilege is not available on this account. No fee money orders, travelers and cashiers checks. Free Safe Deposit Box.** Plus these benefits and Services*** • $50,000 Common Carrier Insurance & $10,000 AD&D Insurance • Medical Information Card • Prescription, Eyewear & Contact Lens Discounts • Travel Reservation Service & National Discount Travel Book • Auto Rental Discounts • Lost Luggage Locator Service • And many more services.

* There is no membership fee; however, a minimum daily balance of $1,000.00 is required to avoid a $2.50 monthly charge. ** Free Safe Deposit Box when you open your 1st Classic Checking account for as long as the checking account remains open. One box per household, while supplies last. *** 1st International Bank is a sponsoring member of the Financial Institution Benefit Association (FIBA). The Accidental Death Insurance available as a member benefit is offered through the company named on the certificate is not a deposit, is not backed by this financial institution, and is not insured by the FDIC. Seniors 55 and above can sign up for this account.

First International Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.