Personal CDs and IRAs. First Independent Bank of Nevada. "It's Your Money. Think First."

The First Independent Bank of Nevada CD's and IRA's

Personal CDs

We offer a variety of plans to help you reach your goals and enjoy life along the way. Choose a savings plan that makes sense for you and your lifestyle. Please speak with a First Independent Bank colleague for complete product details and fees that may apply.

Certificate of Deposits Account Matrix

For all accounts, see a bank colleague for definitions of terms used within this matrix that are not defined.

	3 MonthQuestions about this account?	6 Month Questions about this account?	9 MonthQuestions about this account?	12 MonthQuestions about this account?
Best if you want	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.
Minimum to open	$1000	$1000	$1000	$1000
Earns Interest	Yes †	Yes †	Yes †	Yes †
Checks or withdrawals	No additional deposits to this account. Withdrawals can be made at the maturity date. Early withdrawal penalties apply.	No additional deposits to this account. Withdrawals can be made at the maturity date. Early withdrawal penalties apply.	No additional deposits to this account. Withdrawals can be made at the maturity date. Early withdrawal penalties apply.	No additional deposits to this account. Withdrawals can be made at the maturity date. Early withdrawal penalties apply.
Online Banking	Yes, view only	Yes, view only	Yes, view only	Yes, view only
	18 MonthQuestions about this account?	24 Month Questions about this account?	36 MonthQuestions about this account?
Best if you want	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.
Minimum to open	$1000	$1000	$1000
Earns Interest	Yes †	Yes †	Yes †
Checks or withdrawals	No additional deposits to this account. Withdrawals can be made at the maturity date. Early withdrawal penalties apply.	No additional deposits to this account. Withdrawals can be made at the maturity date. Early withdrawal penalties apply.	No additional deposits to this account. Withdrawals can be made at the maturity date. Early withdrawal penalties apply.
Online Banking	Yes, view only	Yes, view only	Yes, view only
Disclaimer	† Please refer to current rate sheet and Deposit Account Agreement and Disclosures brochure for other terms and conditions on these accounts.

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Personal Flex CDs

Certificate of Deposits Account Matrix

For all accounts, see a bank colleague for definitions of terms used within this matrix that are not defined.

	3 MonthQuestions about this account?	6 Month Questions about this account?	9 MonthsQuestions about this account?	12 MonthQuestions about this account?
Best if you want	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.
Minimum to open	$10,000	$10,000	$10,000	$10,000
Earns Interest	Yes †	Yes †	Yes †	Yes †
Checks or withdrawals	Additional deposits may be made to this account. Permitted one withdrawal per term. Early withdrawal penalties apply.	Additional deposits may be made to this account. Permitted one withdrawal per term. Early withdrawal penalties apply.	Additional deposits may be made to this account. Permitted one withdrawal per term. Early withdrawal penalties apply.	Additional deposits may be made to this account. Permitted one withdrawal per term. Early withdrawal penalties apply.
Online Banking	Yes, view only	Yes, view only	Yes, view only	Yes, view only
	15 MonthQuestions about this account?	18 Month Questions about this account?	24 MonthQuestions about this account?
Best if you want	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.	A low risk but flexible investment that can respond to the rate environment.
Minimum to open	$10,000	$10,000	$10,000
Earns Interest	Yes †	Yes †	Yes †
Checks or withdrawals	Additional deposits may be made to this account. Permitted one withdrawal per term. Early withdrawal penalties apply.	Additional deposits may be made to this account. Permitted one withdrawal per term. Early withdrawal penalties apply.	Additional deposits may be made to this account. Permitted one withdrawal per term. Early withdrawal penalties apply.
Online Banking	Yes, view only	Yes, view only	Yes, view only
Disclaimer	† Please refer to current rate sheet and Deposit Account Agreement and Disclosures brochure for other terms and conditions on these accounts.

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IRAs and SEPs

Individual Retirement Account (IRA) Matrix

For all accounts, see a bank colleague for definitions of terms used within this matrix that are not defined.

	6 Month Certificate of DepositQuestions about this account?	12 Month Certificate of DepositQuestions about this account?	24 Month Certificate of DepositQuestions about this account?	36 Month Certificate of DepositQuestions about this account?
Best if you want	An Individual Retirement Account (IRA) or Simplified Employer Plan (SEP) with competitive rates based on the initial amount deposited.	An Individual Retirement Account (IRA) or Simplified Employer Plan (SEP) with competitive rates based on the initial amount deposited.	An Individual Retirement Account (IRA) or Simplified Employer Plan (SEP) with competitive rates based on the initial amount deposited.	An Individual Retirement Account (IRA) or Simplified Employer Plan (SEP) with competitive rates based on the initial amount deposited.
Minimum to open	$100	$100	$100	$100
Earns Interest	Yes †	Yes †	Yes †	Yes †
Checks or withdrawals	You may make additional deposits to this account. Deposits must be at least $100 each. Withdrawals can be made at the maturity date. Withdrawals are subject to IRS and Bank rules concerning Individual Retirement Account distributions.	You may make additional deposits to this account. Deposits must be at least $100 each. Withdrawals can be made at the maturity date. Withdrawals are subject to IRS and Bank rules concerning Individual Retirement Account distributions.	You may make additional deposits to this account. Deposits must be at least $100 each. Withdrawals can be made at the maturity date. Withdrawals are subject to IRS and Bank rules concerning Individual Retirement Account distributions.	You may make additional deposits to this account. Deposits must be at least $100 each. Withdrawals can be made at the maturity date. Withdrawals are subject to IRS and Bank rules concerning Individual Retirement Account distributions.
Online Banking	Yes, view only	Yes, view only	Yes, view only	Yes, view only
	IRA SavingsQuestions about this account?		SEP SavingsQuestions about this account?
Best if you want	Individual Retirement Account (IRA) for individuals.		Simplified Employer Plan (SEP) for self-employed individuals.
Minimum to open	$50		$50
Earns Interest	Yes †		Yes †
Checks or withdrawals	You may make additional deposits to this account. Deposits must be at least $100 each. Must maintain a minimum balance of $50. Withdrawals are subject to IRS and Bank rules concerning Individual Retirement Account distributions.		You may make additional deposits to this account. Deposits must be at least $100 each. Must maintain a minimum balance of $50. Withdrawals are subject to IRS and Bank rules concerning Individual Retirement Account distributions.
Online Banking	Yes, view only		Yes, view only
Disclaimer	† Please refer to current rate sheet and Deposit Account Agreement and Disclosures brochure for other terms and conditions on these accounts.

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