First State 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 State Bank, a division of First National Bank, checking and savings accounts will remain on the same statement cycle as they are currently on. 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 App Banking

Business Accounts FNB is First National Bank

CURRENT ACCOUNT NAME

NEWACCOUNT NAME

NEWACCOUNT FEATURES

FSB Business Regular Checking FSB First Account Business

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

FSB 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

New Account Offering

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, Six withdrawals per month, Excess transaction fee $4, Monthly E-statement, Paper statement fee $5

FSB Business Savings

Regular Business Savings

FSB IOLTA Account

IOLTA Account

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

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