First National Bank Booklet

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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