First State Bank Booklet

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 plus delivery Debit Card Replacement Card Fee . ...................................................$5.00

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.

8 |

www.fnbtx.com