Welcome to First National Bank.

DISCLOSURE OF FEES & ACCOUNT TERMS

NON-INTEREST BEARING ACCOUNTS

BASIC CHECKING ACCOUNT

Debit Item Fee:
(A debit transaction is a: withdrawal, check paid, automatic transfer or any other payment out of this account.)
You are allowed 10 debit transactions per statement cycle at no cost. If you have more than 10, a fee of 15 cents will be charged for each item over 10, plus a monthly maintenance fee of $2.00.

Other Fees that may be assessed against your account, as applicable:

Click here to apply for a Basic Checking Account.

REGULAR CHECKING ACCOUNT

Minimum Balance Fee Schedule:
A minimum balance service charge fee will be imposed every monthly statement cycle if the average daily balance in your account falls below $400 for the monthly statement cycle according to the following schedule:

$2.00 If average balance is $300.00 to $399.99
$3.00 If average balance is $200.00 to $299.99
$4.00 If average balance is $100.00 to $199.99
$5.00 If average balance is less than $100.00

The average daily balance is calculated by adding the principal in the account for each day in the period and dividing that figure by the number of days in the period.

The Minimum Balance Fee will not apply:

If you keep an average daily balance of $1,000 in a Savings Account with us.
If you give us written notification that you have direct deposit of Social Security to THIS account.
If you are a member of the Bank’s Classic Club*.

Debit Item Fee:
(A debit transaction is a: withdrawal, check paid, automatic transfer or any other payment out of this account)
You are allowed 40 debit transactions per statement cycle at no cost. If you have more than 40, a fee of 10 cents will be charged for each item over 40.

Other Fees that may be assessed against your account, as applicable:

* Classic Club Membership Requirements
You must be at least 55 years of age and maintain total deposits of $2,500 or more with our bank.

Click here to apply for a Regular Checking Account.

STANDARD NOW CHECKING ACCOUNT

Rate Information:
Your interest rate and annual percentage yield may change. At our discretion, we may change the Interest rate on your account at any time. Interest will be compounded and credited to your account every month.

Current Rates and Annual Percentage Yield:
The interest rate on your account is .15% with an annual percentage yield of .15%.

Daily Balance Computation Method:
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal In the account each day.

Accrual of Interest on Non-cash Deposits:
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash Items (for example, checks).

Minimum Balance Fee:A minimum balance service charge fee will be imposed every monthly statement cycle if the average daily balance in your account falls below $1,000 for the monthly statement cycle according to the following schedule:

$2.00 If average balance is $800.00 to $999.99
$4.00 If average balance is $500.00 to $799.99
$6.00 If average balance is less than $500.00

(The average daily balance is calculated by adding the principal in the account for each day in the period and dividing that figure by the number of days in the period.)

Debit Item Fee:
(A debit transaction is a: withdrawal, check paid, automatic transfer or any other payment out of this account)
You are allowed 30 debit transactions per statement cycle at no cost.
If you have more than 30, a fee of 10 cents will be charged for each item over 30.

The Debit Item Fee will not apply:

To electronic transactions (ATM or ACH)
If you keep an average daily collected balance of $3,000 in this account.

Other Fees that may be assessed against your account, as applicable:

Effect of Closing the Account:
If you close the account before Interest is credited, you will receive the accrued interest.

* Classic Club Membership Requirements
You must be at least 55 years of age and maintain total deposits of $2,500 or more with our bank.

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from this account.

Click here to apply for a Standard NOW Account.

CLASSIC CLUB ACCOUNT DISCLOSURES

First Flight Club Membership Fee:
You will be charged a monthly membership fee depending upon which of the following options you choose.

Debit Item Fee:
(A debit transaction is a: withdrawal, check paid, automatic transfer or any other payment out of this account)
You are allowed 50 debit transactions per statement cycle at no cost.
If you have more than 50, a fee of 10 cents will be charged for each item over 50.

The Debit Item Fee will not apply:

To electronic transactions (ATM or ACH)
If you keep an average daily collected balance of $1,000 in this account.

Other Fees that may be assessed against your account, as applicable:

* Classic Club Membership Requirements
You must be at least 55 years of age and maintain total deposits of $2,500 or more with our bank.

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from this account.

Click here to apply for a Classic Club Account.

FIRST FLIGHT CLUB REGULAR CHECKING ACCOUNT

First Flight Club Membership Fee:
You will be charged a monthly membership fee depending upon which of the following options you choose.

The Debit Item Fee will not apply:

To electronic transactions (ATM or ACH)
If you keep an average daily collected balance of $1,000 in this account.

Other Fees that may be assessed against your account, as applicable:

* Classic Club Membership Requirements
You must be at least 55 years of age and maintain total deposits of $2,500 or more with our bank.

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from this account.

Click here to apply for a First Flight Club Account.

INTEREST BEARING ACCOUNTS

REGULAR SAVINGS ACCOUNT

Current Rates and Annual Percentage Yield:
The interest rate on your account is .40% with an annual percentage yield of .40%

Daily Balance Computation Method:
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal In the account each day.

Accrual of Interest on Non-cash Deposits:
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash Items (for example, checks).

Transaction Limitations:
Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no transfers by check, draft, or similar order to third parties.

Minimum Balance Fee:
A minimum balance service charge fee of $3.00 will be imposed every monthly statement cycle if the average daily balance in your account falls below $50.00 for the quarterly statement cycle.

(The average daily balance is calculated by adding the principal in the account for each day in the period and dividing that figure by the number of days in the period.)

The Minimum Balance Fee will not apply:

If you are under 18 years of age.

Other Fees that may be assessed against your account, as applicable:

* Classic Club Membership Requirements
You must be at least 55 years of age and maintain total deposits of $2,500 or more with our bank.

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from this account.

Click here to apply for a Regular Savings Account.

HIGH INTEREST SAVINGS ACCOUNT

Current Rates and Annual Percentage Yield:

Tier 1: If your daily balance is less than $10,000, the interest paid on the entire balance in your account will be .40% with an annual percentage yield of .40%
Tier 2: If your daily balance Is at least $10,000, but less than $40,000, the interest paid on the entire balance in your account will be .60% with an annual percentage yield of .60%
Tier 3: If your daily balance is $40,000 or more, the interest paid on the entire balance in your account will be .75% with an annual percentage yield of .75%

Daily Balance Computation Method:
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal In the account each day.

Accrual of Interest on Non-cash Deposits:
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash Items (for example, checks).

Minimum Balance Fee:
A minimum balance service charge fee of $2.00 will be imposed every monthly statement cycle if the average daily balance in your account falls below $1,000 for the monthly statement cycle.

(The average daily balance is calculated by adding the principal in the account for each day in the period and dividing that figure by the number of days in the period.)

Debit Item Fee:
(A debit transaction is a: withdrawal, check paid, automatic transfer or any other payment out of this account)
You are allowed 3 debit transactions per statement cycle at no cost.
If you have more than 3, a fee of 60 cents will be charged for each item over 3.

The Debit Item Fee will not apply:

To electronic transactions (ATM or ACH)

Other Fees that may be assessed against your account, as applicable:

Effect of Closing the Account:
If you close the account before Interest is credited, you will receive the accrued interest.

* Classic Club Membership Requirements
You must be at least 55 years of age and maintain total deposits of $2,500 or more with our bank.

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from this account.

Click here to apply for a High Interest Savings Account.

MONEY MARKET ACCOUNT

Current Rates and Annual Percentage Yield:

Tier 1: If your daily balance is less than $10,000, the interest paid on the entire balance in your account will be .40% with an annual percentage yield of .40%
Tier 2: If your daily balance Is at least $10,000, but less than $40,000, the interest paid on the entire balance in your account will be .55% with an annual percentage yield of .55%
Tier 3: If your daily balance is $40,000 but less than &10,000, the interest paid on the entire balance in your account will be .65% with an annual percentage yield of .65%
Tier 4: If your daily balance is $100,000 or more, the interest paid on the entire balance in your account will be .80% with an annual percentage yield of .80%

Daily Balance Computation Method:
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal In the account each day.

Accrual of Interest on Non-cash Deposits:
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash Items (for example, checks).

Minimum Balance Fee:
To open this account you must deposit $10,000.
A minimum balance fee of $5.00 will be imposed every monthly statement cycle if the balance in your account falls below $10,000 any day of the statement cycle.

Other Fees that may be assessed against your account, as applicable:

Effect of Closing the Account:
If you close the account before Interest is credited, you will receive the accrued interest.
If the account has not been open for at least one calendar year, a $15.00 Closing Fee will be imposed.

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from this account.

Click here to apply for a Money Market Account.

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