Insured Money Market Account Plus
( IMMA Plus )


Presenting the First Security Insured Money Market Account Plus (IMMA Plus). It's a secure savings opportunity that offers excellent returns and easy access. With a minimum balance of $50,000*, you not only earn market-driven interest rates tied to the 91-Day Treasury Bill, you also have easy access to your money with unlimited withdrawals made in person at one of our branches or convenient ATMs. And you can write up to three checks on the account each month. It's that simple! Compare your current savings rate. Could you be earning more?

All stated money market accounts are for balances of
$50,000 and are deemed accurate as of 3/9/98.
A liquid account that pays 5.24% APY* for balances of $50,000 or more.

Presenting the First Security Insured Money Market Account Plus (IMMA Plus). It's a secure savings opportunity that offers returns similar to a high-yield brokerage account - without the risks of market volatility. Here are a few frequently asked questions about the IMMA Plus.

How does the IMMA Plus offer both market-driven rates and security?

All First Security deposits are aggregated and insured by the FDIC up to $100,000. This means you will have peace of mind knowing that your deposit is safe and sound. That's security!

What about annual management or maintenance fees?

With the First Security IMMA Plus, there are no annual management fees. Just the high returns and exceptional service you expect from First Security.

Who controls the Annual percentage yield?

With a minimum opening deposit of $50,000*, you'll earn market-driven interest rates tied to the 91-Day Treasury Bill. Your rate is updated each week, as published in Tuesday's issue of the Wall Street Journal. It's that simple. The higher the rate goes, the more you'll earn. And as long as you maintain a balance of at least $50,000, there are no limiting margins which can reduce your earning potential.

Can I access my money any time I want?

You can make unlimited withdrawals and deposits in person at any First Security branch or at any 24-hour Automated Teller Machine (ATM), and write up to three checks each month (you can make six third-party transfers per month, three of which may be made by check). Plus, there are no requirements on the amount you deposit or withdraw.

What else does the IMMA Plus give me?

In addition to a great interest rate and FDIC insurance, every IMMA Plus comes with free personalized checks as long as you have the account, an ATM card for even easier access to your money, and a free premium leather checkbook.

I want my investments to work harder. How do I open an IMMA Plus?

The IMMA Plus is a rare savings opportunity that delivers both a high return and the benefits of a savings or Money Market account.

The IMMA Plus is easy to open:

1. To apply online, click here.
2. To send an email requesting a new account kit - by mail, click here. Please include "IMMA Plus" in the subject line, and your full name and address in the body of the text.
3. To send an email requesting a representative to call you, click here. Please include your name, phone number including area code, and a time for the representative to call.
4. Drop by any First Security branch.
5. Call an IMMA Plus representative at 1-800-762-3678.
   
   (For Nevada residents, please call 702-952-7635)

*The annual percentage yield paid on balances of $50,000 or greater, based upon 91-Day T-bill rate. For account balances below $50,000, the rate will be the same as our regular savings rate, which is currently 2.79% APY (except in Nevada, in which case the rate is 2.29% APY). All APYs are variable rates, are accurate as of 3/9/98, and may change at any time, including after the account is opened. For balances of $50,000 or more, rate changes will only occur with a change to the 91-day T-bill rate. Fees can reduce the earnings on the account. First Security Bank, Member FDIC.