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*APR = AnnualPercentage Rate. Rate valid as of 02/01/17 and subject to change. Limited time offer available with qualifying credit score, credit approval, and an 80% Loan-to-Value (LTV) ratio. $25,000 minimum loan amount. Refinance of loans

currently at First State Bank require additional $25,000 new money to qualify for this special rate. $100,000 mortgage at 3.250% APR results in 120 fixed monthly payments (principal and interest) of $971.30. Payment does not include taxes or insurance. Actual loan payment and APR will vary based on the loan amount, the term, and any fees. Other rates and terms are available. NMLS# 469882