INFORMATION FOR OPENING AN ACCOUNT

To help government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license and/or other identifying documents.

PRIVACY DISCLOSURE

At First National Bank, your privacy is important to us and the confidentiality and protection of customer information is one of our fundamental responsibilities. We are providing you with this notice in compliance with federal law and to inform you of the information we collect and how we use that information.

Customers are defined as those persons or entities that have a continuing relationship by purchasing or holding financial products or services such as a:

• Deposit account
• Loan account
• Credit card account
• Safe deposit box

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

The Information We Collect

We collect nonpublic information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

The Information We Share

We do not disclose any nonpublic personal information about our customers or former customers, except as permitted by law. We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions, such as a firm that conducts brokerage, investment advisory and insurance agency services, with whom we have joint marketing agreements in accordance with applicable law.

Confidentiality and Security

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural

safeguards that comply with federal standards to guard your nonpublic personal information. The bank requires each third-party service provider to execute a Confidentiality Agreement and to organize and implement a privacy-training program for its employees. The bank has a privacy training program for its employees in order to ensure compliance with this privacy policy.

Customers with questions about these Privacy Principles, or concerns regarding the confidentiality of their customer information, should contact customer service at 1-877-380-8573. You may also contact us by mail at:

First National Bank
Attention: Operations / Privacy Policy
P. O. Box 810
Edinburg, TX 78540-0810

PROTECTING YOUR IDENTITY

Never disclose your Personal Identification Number (PIN) or password to anyone. Our employees will never ask you for your PIN, and we will not send unsolicited emails to you requesting personal information.

FUNDS AVAILABILITY DISCLOSURE

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. An item received after the time specified in the applicable availability of funds notice for such banking location shall be deemed received the next business day. First National Bank reserves the right to post all deposits, including deposits of cash and of items drawn on it, not later than midnight of its next business day after their actual receipt by a Bank teller during regular banking hours for such banking location, or at any later time allowed by law, and First National Bank shall not be liable for damages, claims and/or expenses due to any item presented during any time period allowed herein.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 11th business day after the day of your deposit.

Special Rules for New Accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the eleventh business day after the day of your deposit.

OVERDRAFT PRIVILEGE

Overdraft Privilege is a service requiring no action on your part. You don’t have to sign anything. Your Overdraft Privilege limit amount will be automatically assigned.

Overdraft Privilege works as long as you maintain your account in good standing. First National Bank may approve your overdrafts within your current available Overdraft Privilege limit. Whether your overdraft will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. Your account is in good standing if you (1) demonstrate responsible account management such as making regular deposits to bring your account to a positive balance at least once every 30 days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Overdraft Privilege as a continuing line of credit, and (3) there are not legal orders, levies of liens against your account. Please note that the amount of the overdraft plus our standard NSF fee of $35 for each item will be deducted from your overdraft limit. *Please refer to the customer policy for additional details.

You will know when you use the overdraft limit because you will receive an overdraft notice in the mail each time items are paid. The notice will show the check number, amount and the NSF fee. You will need to subtract the total fees when balancing your checkbook.

All qualified checking accounts will have a $500.00 Overdraft Privilege limit. Overdrafts above and beyond your established Overdraft Privilege limit may result in a check or checks being returned to the payee. The standard NSF fee will be charged per item and assessed to your account. An NSF notice will be sent to notify you of our actions.

Whenever you have access the Overdraft Privilege, you should make every attempt to bring you account to a positive balance as soon as possible, and must do so within 30 days. If you are not able to bring your account to a positive balance within 30 days plus 18% APR* you will receive a letter from First National Bank informing you of the situation and your options. If, thereafter, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds. There is no additional cost associated with this privilege unless you use it. You will be charged our standard NSF fee of $35 for each item created by check or through in-person withdrawals, ATM withdrawals or other electronic means paid under the limit plus an 18% APR* (For example, three paid items in one day will result in $105 in NSF fees). To help you manage your account, the total fees you have paid for NSF items (both paid and returned) during the current month and for the year to date, will be reflected on your monthly checking statement in accordance with Federal regulations effective July 1, 2006.

Access Points	Is my Overdraft Privilege Limit Available?	Does the Balance Provided Reflect my Overdraft Privilege Limit?
Teller	Yes	No
Writing a Check	Yes	N/A
Debit Card	Yes	N/A
ATM Withdrawal	Yes	No
ACH-Auto Debit	Yes	N/A
Online Banking	Yes	No
Telephone Banking	Yes	No

You may be able to use the overdraft privilege service 90 days after the account is opened, assuming you demonstrate responsible account management by making regular deposit to maintain your account with a positive balance, and there are no legal orders, levies or liens against your account.

There are some other options that you can cover overdrafts at First National Bank. The best way to avoid overdrafts and bounced check fees is to manage your account so you don’t overdraw it. However, if a mistake occurs, First National Bank offers additional ways to cover overdrafts in addition to Overdraft Privilege.

Ways to Cover Overdrafts at First National Bank	Associated Fees
Responsible Account Management	$0
Demand Deposit Loan** Line of Credit	$10.00 + 18% APR*
Link to a Savings Account	$10.00 each transfer
Overdraft Privilege	Standard NSF fee of $35 for each item + 18% APR*

* Annual Percentage Rate subject to change without notice. ** Subject to credit approval.

If you would like to have this service removed from your account, please call 1-877-380-8573.

OVERDRAFT PRIVILEGE PROGRAM

An insufficient balance can result from several events, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; (4) bank service charges; or (5) the deposit of items which, according to the bank's Funds Availability Policy, are treated as not yet available or finally paid. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds. However, if you maintain your account in good standing, we may approve your overdrafts within your current available Overdraft Privilege limit as a non-contractual courtesy. Your account is in good standing if you (1) demonstrate responsible account management – such as making regular deposits to bring your account to a positive balance at least once every 30 days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Overdraft Privilege as a continuing line of credit, and (3) there are no legal orders, levies or liens against your account. In addition, based upon our review of your account management, if we determine you may be using Overdraft Protection as a Regular Line of Credit by creating excessive overdrafts, we may suspend the privilege without any prior notice. Overdraft Privilege – Limits and Availability. Overdraft Privilege is an overdraft privilege service requiring no action on your part. You don’t have to sign anything. Your Overdraft Privilege limit amount will be automatically assigned. All qualified checking accounts will have a $500.00 Overdraft Privilege limit. If you are a new account holder, you may be able to use the overdraft privilege service 90 days after the account is opened, assuming you demonstrate responsible account management by making regular deposits to maintain your account with a positive balance, and there are no legal orders, levies or liens against your account. Account Fees. In the normal course of business, we generally pay electronic transactions first and then checks (high to low), per the bank's policy. We reserve the right to change the order of payment without notice to you if we suspect fraud or possible illegal activity affecting your account. Also, please be aware that the order of item payment may create multiple overdrafts during a single banking day for which you will be charged our standard NSF fee of $35 (per item) plus an 18% APR* will be deducted from the overdraft limit. You may opt out of the privilege at any time, but you are responsible for any overdrawn balances at the time of opting out. Normally, we will not approve an overdraft for you in excess of the predetermined amount assigned to your account type. So as not to exceed your limit, please note that the amount of the overdraft plus the bank’s standard NSF fee of $35 (per item) plus 18% APR* will be deducted from the overdraft limit. We may refuse to pay an overdraft for you at any time even though we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft plus our standard NSF fee of $35 plus 18% APR* that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one owner on the signature card, each owner and agent, if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our standard NSF fee of $35 plus18% APR*.

Overdraft Privilege should not be viewed as an encouragement to overdraw your account. As always, we encourage you to manage your finances responsibly. If you would like to have this service removed from your account, please call 1-877-380-8573 or visit your local branch.

In the event something happens such that your account becomes overdrawn and you are having difficulties paying the overdraft, we will strive to help you. Our Fresh Start Program is designed as a non-interest, second-chance repayment plan that serves two purposes. First, it will assist you to repay the amount that you owe while keeping your account active, subject to the terms and the Fresh Start Program. Secondly, the Fresh Start Program enables us to retain your banking relationship. If at any time you feel this program may be of assistance to you, please contact you local branch for complete details. Please note that your Overdraft Privilege limit will be available at the teller window, ATM, POS, Online Banking and Telephone Banking. The limit will not be included in the balance provided during an inquiry. Overdraft Privilege is a non-contractual courtesy that is available to individually/jointly owned accounts in good standing for personal or household use. First National Bank reserves the right to limit participation to one account per household and to discontinue this service without prior notice.

IMPORTANT INFORMATION ABOUT CASH
REPORTING REQUIREMENTS FOR BANKS
UNDER THE BANK SECRECY ACT

First National Bank understands that most cash transactions are legitimate and that our customers are not involved in criminal activities. However, federal laws require that we obtain specific information from you when conducting certain cash transactions. (Cash consists of currency and coin, both domestic and foreign).

In an effort to keep you informed of important regulatory policies and requirements, we have compiled the following information regarding cash transactions. We value your relationship with us and hope that you find this information helpful. If you have any questions on this or any other regulatory subject, please do not hesitate to call your branch or your banker.

Cash Transactions exceeding $10,000: Federal law requires that all banks file a form know as a Currency Transaction Form (commonly referred to as a CTR) whenever a customer conducts transactions greater than $10,000 in cash on any given day. This includes cash deposits or withdrawals to multiple accounts or any combination of cash transactions (including checks cashed) by the same customer that, in total adds up to more than $10,000.

This is not a new reporting requirement. This requirement was implemented in 1970 under the Bank Secrecy Act. It does not in any way imply or suggest that the customer is engaging in criminal or suspicious activity. In fact, the filing of a CTR is a common routine event.

The information that is necessary for the bank to complete the CTR for both the person conducting the transaction and the affected account is the full name, permanent address, social security number, occupation and date of birth. In addition, the bank is required to examine and record at least one form of identification. Non-resident aliens without a social security number are required to provide an official document issued in their country.

For business transactions, the information required to be reported on the CTR is the full name of the business, the permanent address and the federal employer identification number/tax identification number. The bank must also have the identifying information of the person conducting the transaction.

If you have a need to conduct a cash transaction that exceeds the reporting threshold, we recommend that you conduct the transaction and provide the bank with the required information. The filing of a CTR is a common and routine event for all banks. The filing of this form in no way implies or suggests that you are engaging in any illegal activity.

It is important that you understand that attempts to avoid the filing of a CTR by breaking transactions into amounts under the reporting amount, commonly referred to as structuring, is a violation of federal law.

Cash Purchases of Monetary Instruments: Federal law requires all banks to obtain certain information on all cash sales of monetary instruments between $3,000 and $10,000. Monetary instruments are official checks, cashier's checks, money orders, traveler's checks, and certain types of gift cards and other stored value cards. The information that the bank is required to obtain is your name, permanent address, social security number, date of birth, as well as the date of the transaction, the type and serial number of the instruments sold and the amount of cash involved.

If the information is not provided, the bank has the right to refuse your transaction. Federal laws, including the Bank Secrecy Act, require that the bank obtain this information on these types of cash and monetary instrument transactions. The purpose of the Bank Secrecy Act and other anti-money laundering laws is to help the U. S. Department of Treasury and law enforcement in their fight against criminal offenses, including money laundering, and terrorist financing.

TERMS AND CONDITIONS NOT DISCLOSED
OTHER ACCOUNT OPENING DOCUMENTS

Changes In Account Ownership, Address and Authorized Signers:

You agree to notify us immediately in writing of any change in your name, address, business capacity (e.g., sole proprietor to corporation), or the authorized signers on your account. We may require a new signature card before any change in ownership or authorized signers becomes effective. If the authorized persons on your account change, we may continue to honor items and instructions given earlier by any previously authorized person(s) until we receive specific notice from you in writing not to do so. In some instances, we may require you to close your account or provide us with stop payment orders in order to prevent transactions from occurring. There may be a delay in implementing a change in the authorized persons on our records, and you agree that we will be given a reasonable opportunity to make the changes necessary.

Arbitration: All disputes, claims or controversies arising from or related to this Agreement, its enforcement or our services, except claims subject to the jurisdiction of the small claims court shall be settled by arbitration administered by the American Arbitration Association, in accordance with Title 9 of the United States Code and the Commercial Arbitration Rules of the American Arbitration Association. If litigation is commenced by either party, demand for arbitration must be made within 30 days of service of the complaint on the party demanding arbitration. Judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitration rules permit you to request deferral or reduction of the administrative fees of arbitration if paying them would cause you a hardship. You and we agree that the arbitrator(s) may conduct some or all of the arbitration by telephone if the arbitrator(s) find that doing so is appropriate given the location of the parties and the amount in question. Each party waives all right to a trial by jury in any dispute related to this agreement or to a related service.

Unclaimed or Abandoned Property: Under the Texas unclaimed property laws, banks are required to preserve certain accounts and property which become inactive (dormant). An account is inactive if for more than one year there has not been a debit or credit by the account holder, or communication from the account owner. After the account becomes dormant, the bank will maintain the account until the account or property is remitted to the State. After the bank has surrendered the funds or property to the state, the bank will no longer have any liability with the account or property.

Stale Dated Checks: Under the Texas Business and Commerce Code Chapter 4, the bank is under no obligation to pay a check that is presented more than six month after its date, but may charge its customer’s account for a payment made thereafter in good faith.

FDIC Insurance: First National Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under this program, through June 30, 2010, all non interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. If you have questions concerning the insurance coverage on your accounts, please visit a new account representative for a review of your FDIC insurance coverage.

Notice of Negative Information: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

Actions on Compromised Accounts: To help mitigate loss exposure for our customers and the bank, the bank may or will take the following actions when an account is compromised:

• Any account(s) that have been compromised by unauthorized or fraudulent activity will be closed. If you decline this action and want to leave your account open, we shall not be liable to you for subsequent losses on the account due to unauthorized activity and we may require you to indemnify us for any losses we incur as well.
• Dishonor any items you have indicated may be unauthorized or not notated by the customer as authorized
• Pay any item for payment on your account based on the instruction provided by you the customer.

The customer is responsible for contacting all other parties to advise of the new account number involved with deposits or withdrawals. When the bank opens the new account for you and you have authorized any other party to automatically make deposits to or withdrawal from your account, the bank shall have no liability to you if you do not receive any scheduled deposit or withdrawal or payment.

You agree that if you fail to follow reasonable precautions for your particular situation in reference to safeguarding your account, you will be precluded from asserting any claims against us for paying any unauthorized, altered, counterfeit or other fraudulent item. We will not be required to re-credit your account or otherwise have any liabilities for paying such items.

Payment Order of Items: It is the policy of First National Bank to pay your checks and other debit items in the following order: from largest dollar amount to the smallest dollar amount. We believe that this method will cause your largest, such as your rent or mortgage payment, items to be paid before other less important items. This method may increase the amount of NSF fees that may be incurred, but with careful financial planning you should be able to minimize any fees incurred. Also, with some other account options such as Overdraft Privilege, Overdraft Line of Credit, or link to other deposit account may also minimize those fees.

Checks Lost or Stolen: You agree to safeguard your blank and canceled checks, and to take reasonable steps to prevent their unauthorized use. If your checks are lost or stolen, you agree to notify us immediately. We will not be liable to you if an item is lost in the process of collection, provided that we exercised ordinary care in handling the item.

Stop payments: You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. When you place your stop-payment order we will tell you what information we need to stop payment. This information must be exact since stop-payment orders are handled by computers. If your information is not exact your order will not be effective and we will not be responsible for failure to stop payment. You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. A release of the stop-payment request may be made only by the person who initiated the stop-payment order.

Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). Uniform Code provides that a written stop payment order is binding upon institution for only 6 months unless renewed in writing and that an oral stop payment order is effective for only 14 days confirmed in writing within that period.

TRUTH-IN-SAVINGS DISCLOSURE
CHECKING ACCOUNTS

FREE PERSONAL CHECKING ACCOUNT
Minimum balance to open the account: Refer to product/fee brochure.
Minimum balance to avoid imposition of fees: None.
Fees -No monthly service charge fee or per item fee.

FREE BUSINESS CHECKING ACCOUNT
This account is not a consumer account to which Truth in Savings applies.
Minimum balance to open the account: Refer to product/fee brochure.
Minimum balance to avoid imposition of fees: None.
Fees: No monthly service charge fee.
Other product features: Refer to product/fee brochure.

SUPER NOW ACCOUNT
Eligibility: Open to individuals, sole proprietorships, governmental units, and non profit organizations.
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account every day.
Determination of rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account: Refer to product/fee brochure.
Minimum balance to avoid imposition of fees: A service charge fee will be imposed every statement cycle if the balance in the account falls below the required minimum any day of the cycle. Refer to product/fee brochure.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance in the account each day to obtain the disclosed annual percentage yield. Refer to product/fee brochure.
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 noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees: No per item fee.

MONEY MARKET ACCOUNT

Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account every day.
Determination of rate: At our discretion, we may change the interest rate on your account. This is a tiered rate account. Contact us for the current tiers and rates.
Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account: Refer to product/fee brochure.
Minimum balance to avoid imposition of fees: A service charge fee will be imposed every statement cycle if the balance in the account falls below the required minimum any day of the cycle. Refer to product/fee brochure.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance in the account each day to obtain the disclosed annual percentage yield. Refer to product/fee brochure.
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 noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction Limitations: Transfers from a Money Market Account to another account or to a third party by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle by check, draft, or similar order to third parties.
Fees: A per item fee will be charged for each check or debit in excess of six (6) during a statement cycle. Refer to product/fee brochure.

MONEY MANAGEMENT FUND

Eligibility: Open to all customers.
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account every day.
Determination of rate: At our discretion, we may change the interest rate on your account. This is a tiered rate account. Contact us for the current tiers and rates.
Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account: Refer to product/fee brochure.
Minimum balance to avoid imposition of fees: A service charge fee will be imposed every statement cycle if the balance in the account falls below the required minimum any day of the cycle. Refer to product/fee brochure.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance in the account each day to obtain the disclosed annual percentage yield. Refer to product/fee brochure.
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 noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction Limitations: Transfers from a Money Management Fund to another account or to a third party by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle by check, draft, or similar order to third parties.
Fees: No monthly service charges. A per item fee will be charged for each check or debit in excess of six (6) during a statement cycle. Refer to product/fee brochure.

SAVINGS ACCOUNT

Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account every day.
Determination of rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency: Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account: Refer to product/fee brochure.
Minimum balance to avoid imposition of fees: A service charge fee will be imposed every month if the balance in the account falls below the required minimum any day of the month. Refer to product/fee brochure.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance in the account each day to obtain the disclosed annual percentage yield. Refer to product/fee brochure.
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 noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction Limitations: Transfers from a Savings Account to another account or to a third party by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no transfers by check, draft, or similar order to third parties.
Fees: A per item fee will be charged for each withdrawal in excess of two (2) during a month. Refer to product/fee brochure.

PIGGY BANK SAVINGS ACCOUNT

Eligibility: Open to minors up to 18 years old. Parent or Guardian must have an FNB Demand Deposit account in order to open.
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account every day.
Determination of rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency: Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account: Refer to product/fee brochure.
Minimum balance to avoid imposition of fees: A service charge fee will be imposed every quarter if the balance in the account falls below the required minimum any day during that calendar quarterly period*. Refer to product/fee brochure.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance in the account each day to obtain the disclosed annual percentage yield. Refer to product/fee brochure.
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 noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction Limitations: Transfers from a Piggy Bank Savings Account to another account or to a third party by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no transfers by check, draft, or similar order to third parties.
Fees: A per item fee will be charged for each withdrawal in excess of one (1) during a quarterly period*.. Refer to product/fee brochure.

* Quarterly Periods: January 1 - March 31; April 1 - June 30; July 1 - September 30; and October 1 - December 31.

CERTIFICATES OF DEPOSIT

Rate Information: The interest rate and the annual percentage yield on your Certificate of Deposit (CD) will be set for the term of the CD.
Determination of rate: At our discretion, we may change the interest rates and the annual percentage yield on CD’s that the bank offers for purchase.
Compounding and crediting frequency: Interest will be compounded quarterly and can be added to the principal or paid to another account.
Minimum balance to open the account: Refer to product/fee brochure.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance in the account each day to obtain the disclosed annual percentage yield. Refer to product/fee brochure.
Term of CD: Flexible terms are available from 7 days to 62 months.
Early withdrawal penalty: A substantial penalty could be imposed should the account be closed by you prior to the maturity date. See product/fee brochure.
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
Call Feature: Some CD’s will have a Call Feature. Call Feature only available on CD’s with a term greater than two and half years. Any CD’s with this feature will earn a premium rate of interest, but will allow the bank to call the CD at future dates. Should the CD be called by the bank prior to maturity, you will have a choice to continue the CD at the market rate of interest until the end of the original maturity, or redeem the CD without penalty. Refer to the disclosure provided at account opening of the call dates should your CD contain a Call Feature.

Revised 11/04/09