First State Bank

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A Community Bank - Banking Community People.
We invite you to explore the features and many services of First State Bank.

FIRST STATE BANK is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is an addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

The standard maximum deposit insurance of $250,000 applies per depositor, per insured depository institution for each account ownership category. For further details, contact a Customer Service Representative at any of our locations.

With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving
the citizens of Jefferson County and surrounding areas since 1964.

A branch office was opened in 2002 in Americus, Georgia to meet the banking need of
citizens in Sumter County and surrounding areas.

In addition to meeting the financial needs of the community, First State Bank takes an
active role in supporting and participating in local community events.

First State Bank takes pride in "Bending Over Backwards" for its customers, "Every Transaction, Every Time."

This is our privacy notice to our customers. When we use the words "you" and "your" we mean the following type of customers:

All of our consumer customers who have a continuing relationship with us:

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We, our, and us means First State Bank
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is avaliable from public sources, such as telephone directories or government records.
An affiliate is a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate of ours.

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to gurard your nonpublic personal information.

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

We do not disclose nonpublic personal information about former customers.

This policy fulfills the requirements under the American Recovery and Reinvestment Act of 2009 (ARRA) enacted February 17, 2009. ARRA requires each recipient of funds under the Capital Purchase Program (CPP) of the Troubled Assets Relief Program (TARP) to have in place a company-wide policy regarding excessive or luxury expenditures, as identified by the Secretary of the Department of the U.S. Treasury.

CSRA Bank Corp. and its wholly-owned subsidiary, First State Bank (hereinafter collectively known as the Company), prohibit excessive or luxury expenditures for entertainment and events, office or facility renovations, aviation or other transportation services or other activities or events that are not reasonable expenditures for conferences, staff development, reasonable performance incentives or other similar measure conducted in the normal course of business operations.

All employees of CSRA Bank Corp. and its subsidiaries are subject to this Policy and will be held accountable for compliance with this Policy.

If an employee should violate this Policy, the facts and circumstances of the violation will be reported to the Board of Directors. The Board of Directors will then determine what the consequences of the violation will be.

Prompt internal reporting of suspected violations is encouraged. If an employee wishes to report a suspected violation, he or she should report the suspected violation to the President or the Chairman of the Board and report the facts and circumstances of the suspected violation.

Requests for expenditures requiring prior approval should be made to the President or the Chairman of the Board. Such requests will then be submitted to the Board of Directors for action.

Renovations of facilities and office spaces should be relative to current business plans and needs.An exception to this will be allowed if management must deal with an emergency situation, such as an act of nature, and the expenditure is necessary to make the facility operational for customer use.

At no time should renovations be done that would have the appearance of being extraordinary or excessive from a shareholder perspective.

Entertainment is defined as an activity for which an officer or employee would use Company funds for business development purposes relating to current customers or prospective customers or to further enhance the Companys marketing efforts.Excessive entertainment or an excessive event is defined as any single occurrence or event where the activity is not designed to enhance the marketing efforts of the Company or support business development efforts of the Company.

Our expectation is that all such expenses paid for by the Company would be for company purposes, and used to generate business for the Company.

We encourage our staff to attend conferences that are appropriate educational opportunities. These conferences should be related to the financial services industry and have a direct correlation to their job. At times it may be appropriate that a spouse would travel to these conferences with Company attendees. Typically these conferences are sponsored by vendors, banking associations, or other industry-related entities.

This policy would exclude reward conferences if the purpose is meant to be a reward, or would have no value of education to the employee or executive.

We feel that holiday parties are part of an employee appreciation process. Holiday parties should be local in geographic nature, and should not cost the Company more than an average days payroll per employee, on average.

Board retreats should only be used for educational purposes, and should be considered and looked at in the same view and with discretion as all other expenses. Board education is a vital part of maintaining and keeping a dynamic director base, and this policy should not limit a retreat that is focused on strategic planning or education.

Events and parties focused on customers for the purpose of attracting or retaining their business would not fall under this policy.

Transportation for Company staff to conferences, for business development purposes and merger and acquisition research should be conducted in the most cost-appropriate way for the Company. Modes of transportation to be used for the analysis, for example, may consist of vehicle, commercial air service and private air service. A determination of the appropriateness of transportation will factor in cost, efficiency and timeliness of travel. Excessive aviation or other transportation services expenditures are prohibited.

The First State Banks Internet Banking Service makes handling of your everyday banking needs easier by allowing you to do your banking from your home or office.

Beginning August 2009, Internet Banking is offering extended length of account history. Fifteen (15) months of continuous account activity, starting with the May 2009 accumulation. Any questions or concerns should be directed to one of our Customer Service Representative for further details. Access your accounts 24 hours a day, 7 days a week. Your transactions are secured with advanced encryption technology to ensure that all of your online banking is safe.

• View images of your cancelled checks
• Export your transactions into Quicken, QuickBooks or Microsoft Money

Our convenient banking hours at the Louisville office are:

Our convenient banking hours at the Americus office are:

This E-mail is not a secure link and it is intended for general information only.
Emails should not include personal, non-public information, such as account
numbers, pin numbers, or other sensitive information. Please call or write
First State Bank with any questions you may have.