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Terms from the bank website as of 8/7/07:
Free $100 Visa gift card when you open a new 5.20%* APY 18 month Flex-Rate CD or Prime One Plus* Checking Account or First Bank* Money Market Account!
Limited time offer. Annual Percentage Yield (APY) as of the date of this printing and is subject to change without notice. The APY reflects the total amount of interest earned based on the interest rate and frequency of compounding for a 365-day period. After 6 months, Flex-Rate CDs customers can choose to voluntarily increase to current rate and increase amount of CD in $1000 increments. Minimum opening deposit of $10,000 is required. Substantial penalty for early withdrawal. The interest will be compounded and credited to your account quarterly. Fees may reduce earnings on the account. The gift Card bonus offer applies only to a new account opened with money not already on deposit with FB&T. Limit one per qualifying customer. The $100 is considered interest and that value will be added to the year's 1099-INT reporting. If you close your account within 90 days of opening, you will be charged a $50 fee. Rates subject to change without notice.
