First National Bank Booklet

1-19-21

Dear Valued Customer, On April 11, 2020, Wichita Falls Bancshares, Inc. completed the purchase of Chico Bancorp, Inc. This acquisition added four First State Bank branches to the First National Bank family. Since that time, we have diligently worked to make a stronger financial institution that provides better financial resources, a diverse product selection, and top of the line technology to ensure secure banking. We are converting our operating systems between First National Bank and First State Bank, a division of First National Bank, on the weekend of February 13. As expected, there will be some changes to accounts. This comprehensive welcome packet is designed to help you understand those changes by providing you with information about the products and services First National Bank will offer, several of which are new. It also includes information about updates to your online banking system and mobile app, issue of new, contactless MasterCard debit cards, and account disclosures. We are committed to continuing the same tradition of reliability, integrity, and responsiveness that you have come to expect at First National Bank. The conversion and updates to online banking will enhance your overall banking experience. As of February 16, 2021, you will have access to four additional branch locations in Wise County and more ATMs for your banking convenience. You will also have an updated online banking platform and mobile banking app. Please read the packet to understand the changes that will occur with the operating system conversion, and if you find you still have questions, please do not hesitate to contact us. Thank you for your support during this process. We are proud to be your bank and look forward to serving your financial needs!

Sincerely, Cindy Campbell

President and CEO First National Bank

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Important Dates & Things To Do This guide is here to help navigate you through every step of the conversion. Be sure to keep this guide for reference throughout the process. You can call us at 940.696.3000 if you have any questions or concerns. We are here to help. Online Banking users will receive a separate communication with dates and times when the system will be unavailable over the weekend for a platform upgrade. Mobile Banking users: iOS users, update your app in the Apple App Store, and Android users, update your app through the Google Play Store prior to logging in for the first time on February 16.

Short statement cycle will occur. Your monthly statement will be produced as of February 12 and mailed to the address we have on record for your account. You will not receive an E-statement for this cycle. For interest-bearing accounts, accrued interest will be paid at this time, and paper statement fees and service charges associated with any accounts will be waived.

Friday, February 12

Monday, February 15

Bank closed in honor of President’s Day.

Online Banking customers will have access to the updated environment. Your Online and Mobile Banking username and password remain the same. You will be prompted to accept First National Bank’s new terms and conditions when signing in for the first time. You may now bank at any of our seven banking center locations. See page 15 for location addresses and contact information.

Tuesday, February 16

Week of February 22

Look for your new, contactless MasterCard debit cards in the mail this week (more info on page 6).

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Frequently Asked Questions What is my bank routing number? The routing number will not change. First National Bank’s routing number is 111916452. Will my account number stay the same? Most account numbers will remain the same. In the unlikely event that your account number will change, you will be contacted directly by a customer service representative of First National Bank. My paycheck is directly deposited weekly; do I need to notify my employer? Your direct deposit will continue to post to your accounts following the conversion, no action required. Will I have a choice in the type of account available to me or will you choose one for me? Account grids are included in this packet to help you understand any changes to your existing accounts, if any. Features and benefits of those accounts are outlined, and if you determine that another account type is more appropriate, simply contact any First National Bank personal banker to change your account type. May I continue to use my existing checks for my accounts? Yes. First National Bank’s routing number will not change. When you are ready to reorder checks, you may do so at www.fnbtx.com or at a banking center. If you order through another check vendor, you will need to provide them with the routing number. Will the banking hours remain the same? Yes. Both the lobby and drive-thru hours at all First National Bank locations will remain the same as they are now. Will the terms of my CD change? No. The interest rate and terms of any existing CD that you have at First National Bank will remain the same. Please refer to the CD section in this book for more information.

I currently receive a paper statement but do not get charged a paper statement fee. Am I going to now be charged for my paper statement? No. While most of our accounts will now be subject to a paper statement fee, customers who currently receive paper statements without a fee will continue to receive paper statements without being charged the paper statement fee. You may become subject to the fee if you change your account type or open a new account or if you currently receive an electronic statement and switch to receiving a paper statement. When will I receive my statement? All First National Bank checking and savings accounts will have a statement prepared on the night of February 12. For most customers, this will be a partial month’s statement. After conversion, your next statement date will be as close to your current statement date as possible. Due to partial statements, interest-bearing accounts will pay interest on February 12, and any paper statement fees and services charges will be waived. Will there be changes to the terms of my First National Bank loans? No. Your interest rate, payment amount, due date, and terms will remain the same. Will there be any changes to the terms on my First National Bank checking, savings, and/or money market accounts? The account grids on pages 9-12 outline changes to account names and summarized new account features. Any changes to accounts are outlined in the Change in Terms section of the disclosure document enclosed. Additionally, changes in fees are highlighted on page 8. When do account changes go into effect? New account offerings will go into effect February 16. Any adverse changes to terms are outlined in the disclosure packet and are effective March 1.

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Account Number & Bank Routing Number Change Your account numbers will not change, and there are no changes to your routing number. The First National Bank routing number is 111916452.

To the right, you will see an example of where these numbers are on a check.

113100745 000123456

ROUTINGNUMBER: 111916452

CURRENT ROUTING NUMBER 111916452

CURRENT ACCOUNT NUMBER 1230123456

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{

Certificates of Deposit

What you need to know about your CD account: Interest Rate & Terms Your existing CD rate, term, and maturity date will remain the same until maturity. Renewal or Maturity Notice

If your CD is currently set to automatically renew, it will remain that way. At least 10 days prior to your CD maturity date, First National Bank will send you a maturity notice in the mail. At that time, our staff can answer any questions you might have about your CD options that are available. You have 10 days after maturity to make changes to your CD without penalty.

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Debit Cards for Current Debit Card Holders During the week of February 22, watch for your new First National Bank MasterCard debit card to arrive in the mail. You may activate your card by calling the number listed on the label affixed to the front of the card. At this time, you will also select your 4-digit PIN. Your card will be ready to use when activated. You must activate and begin using your new MasterCard debit card by March 8 as your current card will not work after that date. First National Bank is increasing the debit card limits for the new, contactless MasterCard debit cards (outlined in the chart below). These limits will go into effect when your new card is activated.

NewDebit Card Limits

FNB Current Limits

Consumer Debit Card

ATM

$510

$610

Point of Sale (POS)

$1,000

$2,500

Business Debit Card ATM

$510

$610

POS

$1,000

$3,000

Health Savings Account (HSA) Debit Card

ATM

N/A

POS

$1,000

$2,500

First National Bank FraudMonitoring & Alerts First National Bank is utilizing a debit card fraud- monitoring system to further protect our customers from debit card fraud. This system will guard your card from potential debit card fraud 24 hours a day, 365 days a year. If potential fraud is detected, you will be contacted via an automated telephone call. Transactions may be temporarily blocked until verification is completed. It is extremely important that you take time to update your phone number and address information with First National Bank. Current information will enable us to reach you as quickly as possible in the case of a fraud alert.

First National Bank will never request any unsolicited personal or account information by e-mail, through the website, or during a fraud monitoring call. Please do not give out any personal or account information via the internet, e-mail, or phone to any party that you do not believe to be legitimate. If at any time you think your First National Bank MasterCard debit card has been compromised by potential fraud, loss, or stealing, please call any one of our seven locations during normal business hours. If we are not open, please call 800.472.3272 immediately.

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Online Banking & Bill Pay Features Online Banking & Bill Pay Features Beginning February 16, Online Banking and Mobile Banking users will have an upgraded platform. All account

information will roll over to the new system. Online Banking users will continue to login at www.fnbtx.com. Upon first login, you will be prompted to accept the new terms and conditions. Mobile Banking iOS users, update your app in the Apple App Store, and Android users, update your app through the Google Play Store prior to logging in for the first time on February 16. Online Banking users will receive a separate communication with dates and times when the system will be unavailable over the weekend for a platform upgrade. All First National Bank account holders have the opportunity to begin using Online Banking or Mobile Banking. Online Banking includes an array of features like Bill Pay, E-statements, Mobile Deposit Capture, and much more for convenient banking on the go. If you would like to begin using our Online Banking, you may enroll at www.fnbtx.com and click “Enroll” above the login button in the top header of the website. To begin Mobile Banking, download the First National Bank app from the Apple App Store or Google Play Store. Is there a fee to use First National Bank Online Banking? No. There is no fee to use First National Bank Online Banking. Is there a fee to use Bill Pay? No. There is no fee to use First National Bank Bill Pay. Will more information about enrolling in First National Bank Online Banking & Bill Pay be available? Yes! If you would like to become an Online Banking user, please visit our website at www.fnbtx.com and click on Personal then select Online/Mobile. This will take you to complete instructions for enrollment.

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Schedule of Fees Effective March 1, 2021. Increased or new fees are highlighted in blue below.

Common Fees Account balancing assistance / Reconciliation (1 hour minimum charge) . .........................................................$20.00 Account Closing Fee within 90 Days ............................$20.00 Account Research (1 hour minimum) ..........................$25.00 Automated Transfer Fee for Checking Overdraft ..........$5.00 Cash Management Services . ................. Contact local branch Copy of Item - per item ..................................................$2.00 Deposit Corrections .........................................................$2.00 Deposited Item Returned Unpaid - per item . ...............$5.00 Disposable Deposit Bags .....................Varies by Size and Style Dormant Account (monthly, 6th thru 12th month of inactivity) . ........................................................................$5.00 Garnishments / Exectution / Levy (plus legal fees) ...$50.00 Nonsufficient funds (NSF Item) paid or returned . .....$30.00 Nonsufficient funds or Overdraft maximum charge per day - 5 items ................................................................ $150.00 Overdraft Item paid per item . ......................................$30.00 Signature Guarantee/Medallion Stamp . ...................... $10.00 Stop Payment - each item ............................................$30.00 ATMFee Non proprietary ATM ....................................................... $1.50 ATM transactions at FNB ATMs are free Check Services Cashier’s Checks ..............................................................$5.00 Lost Cashier’s Checks ....................................................$25.00 Check Printing .................................................................Varies Temporary or Counter Check printing per page (4 checks) . ..........................................................................................$2.00 Collection Services Balance of Account Bank Draft . ................................... $15.00 Bond Coupons ................................................................ $10.00 Incoming Auto Draft ...................................................... $10.00 Incoming/Outgoing Documentary . .............................. $10.00 Incoming Domestic . ...................................................... $10.00 Incoming/Outgoing International . ...............................$35.00 Outgoing Domestic ........................................................ $10.00 Currency Services Coin Sorting/Counting - $5.00 minimum ..........................2% Coin Counting Machine - Bridgeport Location Only Customer .........................................................................2% Non-Customer . .............................................................. 10% Coin/Currency Orders -Individualized Rolled Coin .. $.10/roll Currency Orders Per $1,000 Ordered ........................... $.1.00 Straps of Currency . .................................................$.50/strap Foreign Currency ...........................................................$25.00 Debit Card Replacement Card Fee . ...................................................$5.00 plus delivery

MasterCard Assessments MC Assessments - Currency Conversion (% of transaction) .....................................................................0.20% MC Assessments - Cross Border Assessment (% of transaction) .....................................................................0.90% GiftCards New Issue, Expired, Lost or Stolen - Customer . ..........$5.00 New Issue, Expired, Lost or Stolen - Other .................. $7.00 Night Depository Bags Locking . ..........................................................................$25.00 Additional Key ................................................................ $10.00 Small Zipper Bag (first bag free) ................................. $4.00 Large Zipper Bag . ............................................................$5.00 Online Banking Account Access . ........................................................No charge Account Transfers . ....................................................No charge Bill Payment ..............................................................No charge RDC CAR/LAR for End User ..................................................... $0.01 Incoming Electronic Returns . .........................................$2.50 Monthly Equipment Rental ............................................$50.00 Monthly Fee ....................................................................$30.00 Per Item Processing Fee . ................................................$0.08 Substitute Checks (IRDs) . ............................................$0.065 Safe Deposit Box Rental Fee . .................................................. Varies by location. Contact your local branch for pricing. Varies by location. Contact your local branch for pricing. Safe Deposit Box Drill fee or Lock Replacement . .....$250.00 Statement Services Interim Account Statement . ...........................................$2.00 Duplicate Account Statement .........................................$5.00 Paper Statement ..............................................................$5.00 Business Account Statement ..........................................$5.00 Special Handling - Hold Statement per Statement .... $10.00 per month Special Statement Cycle Cut-off . ...................................$5.00 Telephone Services (no fee when using Telephone Banking) Balance Inquiry ................................................................$2.00 Transfer .............................................................................$5.00 Wire Transfer Incoming Wire . .............................................................. $10.00 Outgoing Domestic ........................................................ $15.00 Outgoing International ................................................. $45.00 Fees may vary based on specific account features as well as overall account relationship and transaction activity. There may be additional charges for services provided not shown on this fee schedule. Please note that we reserve the right to change our fees and will provide advance notice to you should our fees or terms vary from the information described above.

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Consumer Checking, Savings, & Money Market Grids Please review the account grids below. Your current First National Bank account may be changing to a new account name with new features. Rest assured that you have a choice in accounts. If you prefer to be moved to a different account, you may choose an account that better suits your needs. We will be happy to put you into the account of your choice. Each of our checking accounts allow you to avoid the monthly service charge according to certain account requirements. Please refer to the enclosed disclosure document for complete details. Any changes to your account terms are outlined in the disclosure document. All First National Bank checking and savings accounts will have a statement prepared on the night of February 12. For most customers, this will be a partial month’s statement. After conversion, your next statement date will be as close to your current statement date as possible. Due to partial statements, interest-bearing accounts will pay interest on the date the statements are prepared, and any paper statement fees and service charges will be waived. First National Bank strives to provide you with convenient ways to manage your accounts and to get help when you need it: • A staff dedicated to providing outstanding customer service • Seven Branches • Online Banking and Bill Pay • E-statements • Mobile Banking

Consumer Accounts FNB is First National Bank

CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

FNB Free Checking FNB Basic Checking

E-Checking

Opening balance $100, No minimum balance, No monthly service fee, Unlimited monthly transactions, Monthly E-statement, Paper statement fee $5

FNB Student Checking FNB Premier Checking I FNB Premier Checking II FNB Employee Checking

FNB Interest Checking

Interest Checking

Opening balance $1,500, Earns interest, Required minimum balance to avoid fees $1,500, $10 monthly service fee, Unlimited monthly transactions, Monthly E-statement, Paper statement fee $5

Certificates of Deposit

What you need to know about your CD account: Interest Rate & Terms Your existing CD rate, term, and maturity date will remain the same until maturity. Renewal or Maturity Notice

If your CD is currently set to automatically renew, it will remain that way. At least 10 days prior to your CD maturity date, First National Bank will send you a maturity notice in the mail. At that time, our staff can answer any questions you might have about your CD options that are available. You have 10 days after maturity to make changes to your CD without penalty.

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CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

New Account Offering

Advantage Checking

To earn higher interest rate, receive ATM fee refunds and avoid $7 monthly service fee, all of the following qualifications must be met per one calendar month: Must be enrolled to receive E-statements, Must make 10 debit card purchases, At least one ACH or direct deposit. Unlimited monthly transactions, Monthly E-statement, ATM fee refunds up to $30 per cycle when qualifications are met Required minimum balance to avoid monthly service fee $500, monthly service fee $5, Unlimited monthly transactions, Free bank stock checks, Available for customers age 55 and older, 10% discount on safe deposit box rental, Free Cashier’s Checks, Monthly E-statement, Paper statement fee $5 Opening balance $100 (18 and under: $0 opening balance, FNB will provide $1), Earns interest, Required minimum balance to avoid fees $100, Monthly service fee $5, Six withdrawals per month, Excess transaction fee $4, Monthly E-statement, Paper statement fee $5 Opening balance $2, Earns interest on balances up to $5,000, No minimum balance, No monthly service fee, once funds are deposited into Christmas Club account, withdrawals are not allowed until distribution date, Monthly E-statement, Paper statement fee $5 Opening balance $2, Earns interest on balances up to $5,000, No minimum balance, No monthly service fee, once funds are deposited into Vacation Club account, withdrawals are not allowed until distribution date, Monthly E-statement, Paper statement fee $5 Enrollment fee $25, Earns interest, No Monthly Service Fee, Deposits may be Tax Deductible, Up to Six Free Withdrawals Monthly, Transaction Fee of $10 per Withdrawal in excess of six per month, 10 Free Starter Checks, HSA Debit Card Available, Monthly E-statements, Paper statement fee $5

FNB Senior Select

Senior Select Checking

FNB Regular Savings FNB Student Savings

Regular Savings

New Account Offerings Christmas Club

Vacation Club

FNB Health Savings Account (HSA)

Health Savings Account (HSA)

Consumer Money Market Accounts FNB is First National Bank

CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

FNB Money Market

Money Market

Required minimum balance to avoid fee $2,500, Monthly service fee $12, Six debits per statement cycle, Excess transaction fee $10, Monthly E-statement, Opening balance $2,500, Paper statement fee $5

FNB Money Market Plus FNB Money Market Max

Money Market Plus

Required minimum balance to avoid fee $10,000, Monthly service fee $15, 6 debits per statement cycle, Excess transaction fee $10, Monthly E-statement, Opening balance $10,000, Paper statement fee $5

FNB Relationship Money Market

Relationship Money Market

Nonstandard tiers: $0 - $249,000 and >= $250,000

INTEREST TIERS

Interest Tiers $0 - $24,999

$25,000 - $49,999 $50,000 - $99,999 $100,000 - $449,999 >= $500,000

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Business Accounts & Money Market Grids Please review the business account grids below. Your current First National Bank business account may be changing to a new account name with new features. Rest assured that you have a choice in accounts. If you prefer to be moved to a different account, you may choose an account that better suits your needs. We will be happy to put you into the account of your choice. Each of our checking accounts allows you to avoid the monthly service charge according to certain account requirements. Please refer to the enclosed disclosure document for complete details. Any changes to your account terms are outlined in the disclosure document. All First National Bank business checking and savings accounts will have a statement prepared on the night of February 12. For most customers, this will be a partial month’s statement. After conversion, your next statement date will be as close to your current statement date as possible. Due to partial statements, interest-bearing accounts will pay interest on the date the statements are prepared, and any paper statement fees and services charges will be waived. First National Bank strives to provide you with convenient ways to manage your business accounts and to get help when you need it: • A staff dedicated to providing outstanding customer service • Seven Branches • Online Banking and Bill Pay • E-statements • Mobile Banking

Business Accounts FNB is First National Bank

CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

FNB Business Checking FNB Business Checking Plus FNB Small Business Checking

Regular Business Checking

Opening Balance $200, Required minimum balance to avoid fees $500, Monthly service fee $7, Unlimted transactions, Monthly E-statement, Paper statement fee $5

FNB Business Interest Checking

Interest Business Checking

Opening balance $1500, Earns interest, Required minimum balance to avoid fees $1,500, Monthly service fee $10, Unlimited monthly transactions, Monthly E-statement, Paper statement fee $5

FNB Commercial Account Analysis

Commercial Account Analysis

This is an analyzed account that calculates a monthly service charge based on account activity and assigns an earnings credit based on the available balance. The earnings credit is used to offset the transaction fees. Opening balance $100, Earns interest, Required minimum balance to avoid fees $100, $5 monthly service fee, 6 withdrawals per month, Excess transaction fee $4, Monthly E-statement, Paper statement fee $5

FNB Regular Business Savings

Regular Business Savings

FNB IOLTA Account

IOLTA Account

Opening balance $100, Earns interest, Monthly E-statement,

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Business Money Market Accounts FNB is First National Bank

CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

FNB Business Money Market

Business Money Market

Required minimum balance to avoid fee $2,500, Monthly service fee $12, Six debits per statement cycle, Excess transaction fee $10, Monthly E-statement, Paper statement fee $5 Required minimum balance to avoid fee $10,000, Monthly service fee $15, Six debits per statement cycle, Excess transaction fee $10, Monthly E-statement, Paper statement fee $5

FNB Premium Business Money Market FNB Public Funds Money Market FNB Commercial Money Max

Business Money Market Plus

FNB Business Relationship Money Market

Business Relationship Money Market

Nonstandard tiers: $0 - $249,000 and >= $250,000

GRANDFATHERED ACCOUNTS (NO LONGER OFFERED, BUTWILL BE SERVICED PER THE CURRENT TERMS AND FEATURES) FNB Free Business Checking (Name will change to Small Business Checking on February 16)

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Privacy Statement

FACTS

What does First National Bank do with your personal information?

WHY?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and Transaction History • Account Balances and Credit History • Payment History and Checking Account Information When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First National Bank chooses to share; and whether you can limit this sharing.

WHAT?

HOW?

REASONSWE CAN SHARE YOUR PERSONAL INFORMATION:

DOES FIRST NATIONAL BANK SHARE?

CAN YOU LIMIT THIS SHARING?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes

No

For our marketing purposes – to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes – information about your transactions and experiences For our affiliates’ everyday business purposes – information about your creditworthiness

Yes

No

No

We don’t share We don’t share

For nonaffiliates to market to you

No

QUESTIONS

Call 800-460-6678 or go to www.fnbtx.com

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WHOWE ARE Who is providing this notice? WHATWE DO How does First National Bank protect

First National Bank

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, and secured files and buildings. We also maintain physical, electronic, and procedural safeguards as well as limit appropriate employee access to your information. We collect your personal information, for example, when you: • Open an account or deposit money • Apply for a loan or give us your contact information • Make a wire transfer or seek advice about your investments We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Federal law gives you the right to limit only: • Sharing for affiliates’ everyday business purposes – information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Companies related by common ownership or control. They can be financial and nonfinancial companies. • None Companies not related by common ownership or control. They can be financial and nonfinancial companies. • First National Bank does NOT share with nonaffiliates so they can market to you.

my personal information? How does First National Bank collect my personal information?

Why can’t I limit all sharing?

DEFINITIONS Affiliates

Nonaffiliates

Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include securities broker-dealer and insurance companies.

OTHER IMPORTANT INFORMATION

First National Bank is subject to regulatory oversight by the Office of the Comptroller of the Currency (OCC). Any consumer wishing to file a complaint against First National Bank should contact the OCC through one of the following means: Mail: OCC Customer Assistance Group 1301 McKinney Street, Suite 3450, Houston, TX 77010 Telephone No. (800) 613-6743; Fax No. (713) 336-4301 Online: http://www.helpwithmybank.gov/contact-us/contact-the-occ.html

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Locations First National Bank now has seven banking centers, five mortgage offices, and two commercial lending offices. For more information regarding our locations and phone numbers, please visit www.fnbtx.com. You can call us at any of our banking center phone numbers listed below.

1 2

5

4

6

7

3

5. 201 SWeatherford PO Box 5 Chico, TX 76431 940.644.2218 6. 630Main Street PO Box 370 Paradise , TX 76073 940.969.2265 7. 102 Port-O-Call Runaway Bay , TX 76426 940.575.2265

1. 3801 Fairway at Kell Blvd Wichita Falls, Texas 76310 940.696.3000 2. 2304Midwestern Pkwy at Taft Wichita Falls, Texas 76308 940.696.3000 3. 605WState Highway 114 Southlake, Texas 76092 817.481.0158 4. 1709 9th Street PO Box 338 Bridgeport, TX 76426 940.683.6300

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