Choose from Totally FREE Checking*# and three other great checking plans that pay you! Each account includes many FREE services including: Visa Check Card, Internet Banking with Bill Pay#, Telephone Banking and MORE! You'll also receive a FREE GIFT when you open!

Account Type	Opening Deposit	Minimum Balance	Monthly Service Charge	Unlimited Check Writing	Interest Bearing
Totally Free Checking* More»	$50	None	$0	Yes	No
Totally Free Checking* A FREE account for everyone! No minimum balance required No monthly service charge No per check charge Unlimited Check writing Easy-to-balance monthly statement Check images are returned in monthly statement FREE ATM/VISA® Check Card
VIP Free Interest Checking* More»	$50	None	$0	Yes	Yes
VIP Free Interest Checking* FREE to anyone with a direct deposit, an automatic payment or a loan with FNB! Competitive interest No minimum balance No monthly service charge No per check charge Unlimited check writing Easy-to-balance monthly statement Return of check images for easy record keeping FREE ATM/VISA® Check Card Click Here for Interest disclosure
50+ Free Interest Checking* More»	$50	None	$0	Yes	Yes
50+ Free Interest Checking* FREE for customer 50 and over! Competitive interest No minimum balance No monthly service charge No per check charge Unlimited check writing Easy-to-balance monthly statement Return of check images for easy record keeping FREE ATM/VISA® Check Card Click Here for Interest disclosure
High Interest Checking* More»	$50	$1500	$8 (if balance falls below $1500)	Yes	Yes
High Interest Checking* For those interested in higher interest! Higher interest rates with balances of $1500 or more Competitive interest if balance falls below $1500 No per check charge Unlimited check writing Easy-to-balance monthly statement Return of check images for easy record keeping Only $8 monthly charge if minimum balance falls below $1500 FREE ATM/VISA® Check Card Click Here for Interest disclosure

Disclosure For All Interest Bearing Deposit Accounts
The following applies to all interest bearing accounts listed on this schedule of fees and services. The interest rate and Annual Percentage Yield (APY) are subject to change weekly.

• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly.
• Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example checks)
• All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
• If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. If you do not tell us you are closing your account you will not receive your accrued interest.
• Effect of Fees: fees may reduce earnings.

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First National Bank • Equal Housing Lender • Member FDIC

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