It is the policy of the First State Bank (the “Bank”) to make you aware of our business continuity plans in case of an emergency.  The Bank’s plans are designed to ensure that our operations will continue to function with little or no disruption, that our customers’ accounts will be secure and accessible, and that our customers will be able to reach us regardless of the scope of the situation or event.  The Bank has developed a Business Continuity Plan (BCP) with respect to how we will respond to events that significantly disrupt our operations.  Our BCP was designed to be flexible in responding to actual events as they occur, since the timing and impact of disasters and disruptions is unpredictable.  With that in mind, we are providing you with this information.