First National Bank Booklet

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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