THE FIRST NATIONAL BANK OF LIBERAL DISCLOSURES
TABLE OF CONTENTS

1. Substitute Check Policy
2. First National Bank Privacy Policy
3. First National Bank Online Banking Privacy Policy
4. First Prestige Club Privacy Policy Addendum
5. Funds Availability Disclosure
6. Regulation E Disclosure
7. Truth in Savings Disclosure

THE FIRST NATIONAL BANK OF LIBERAL
MAIN BANK
1700 N LINCOLN
P. 0. BOX 1217
LIBERAL, KS 67905-1217

Substitute Check Policy Disclosure

Substitute Checks and Your Rights

[IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT]

Substitute Checks and Your Rights

What is a substitute check?

To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the

original check." You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at The First National Bank of Liberal, 1700 N. Lincoln, Liberal, KS 67901. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must be in writing and include-

A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);

An estimate of the amount of your loss;

An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and

A copy of the substitute check [and/or] the following information to help us identify the substitute check: (identifying information, for example the check number, the name of the person to whom you wrote the check, the amount of the check).

FACTS

WHAT DOES FIRST NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account Balances and payment history Credit History and address and phone numbers

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First National Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does FNB share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - To offer our products and services to you	Yes	No
For joint marketing with other financial companies	No
For our affiliates' everyday business purposes - Information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes - Information about your creditworthiness	No
For our affiliates to market to you	No
For nonaffiliates to market to you	No

Questions?

Call 620-624-1971 or come by 1700 North Lincoln, Liberal, Kansas

Who we are
Who is providing this notice?	First National Bank, Liberal & Hugoton

What we do
How does the First National Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does the First National Bank collect my personal information?	We collect your personal information, for example, when you: Open an account and when you complete an application form for our services and products Pay your bills or apply for a loan Use your debit or ATM card We also collect your personal information from credit bureaus/consumer reporting agencies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: Sharing for affiliates everyday business purposes - information about your creditworthiness Affiliates from using your information to market to you Sharing for non-affiliates to market to you> State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. First National Bank of Elkhart First National Bank of Syracuse Kansas Bank Corporation (Bank Holding Company)
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other Important information

If you are a First Prestige Club member, you will receive an "Addendum for First Prestige Club Members Only." Customers registered for Online Banking and/or Online Bill Pay can find the Online Banking Privacy Policy at www.fnbliberal.com.

First National Bank
Online Banking Privacy Policy
(Applies only to Consumer Accounts)

FACTS

WHAT DOES FIRST NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account Balances and payment history Credit History and address and phone numbers

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First National Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does FNB share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - To offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes - Information about your transactions and experiences	No
For our affiliates' everyday business purposes - Information about your creditworthiness	No
For our affiliates to market to you	No
For nonaffiliates to market to you	No

Questions?

Call 620-624-1971 or come by 1700 North Lincoln, Liberal, Kansas

Who we are
Who is providing this notice?	First National Bank, Liberal & Hugoton

What we do
How does the First National Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. First National Bank respects your right to privacy and takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels.
How does the First National Bank collect my personal information?	We collect your personal information, for example, when you: Open an account and when you complete an application form for our services and products Pay your bills or apply for a loan Use your debit or ATM card Originate Online Banking transactions Originate Online Bill Pay transactions
Why can't I limit all sharing?	Federal law gives you the right to limit only: Sharing for affiliates everyday business purposes - information about your creditworthiness Affiliates from using your information to market to you Sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. First National Bank of Elkhart First National Bank of Syracuse Kansas Bank Corporation (Bank Holding Company)
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Intuit Financial Service (formerly Digital Insight) FNB’s online service provider.

Other Important information

The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes, to protect and administer your personal accounts and transactions, and to help the bank better understand your financial needs in order to design or improve our products and services. It is in the best interest of both you and the bank to maintain accurate records concerning your personal information. For this reason, First National Bank allows you to update your personal information online, at any time, through the submission of encrypted email requests sent to the bank’s secure administration site. Notifications are immediately sent to approved/authorized bank personnel alerting them to the receipt of your request. This allows First National Bank to update your personal information in a timely manner.

First National Bank of Liberal
Privacy Policy Addendum
For First Prestige Club Customers Only

The First National Bank of Liberal (hereinafter referred to as First National Bank and/or First Prestige Club) values each and every customer relationship especially the relationship we have with our First Prestige Club members. Customers, such as you, have entrusted us not only with their finances, but also with their personal information. To protect and maintain this relationship, we have enacted a Privacy Policy to maintain the confidentially of the financial information you have shared with us. This addendum pertains only to the non-financial personal information that you have provided to us to become a First Prestige Club member.

This Is Our Pledge:

1. We recognize your expectations for the responsible use and protection of your right to privacy. At First National Bank, we recognize that you have a right to expect your personal information such as medical information, and next of kin information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times, and we will provide you with information on how your information is used, protected and with the benefits such use provides to you.

2. How we use, collect and retain information about you. Your relationship is important to us and we're committed to providing you with the best service possible. One of the ways we do that is through our First Prestige Club. As a First Prestige Club member we gather information from a variety of sources to keep you informed about the many financial services, products and benefits available to you as a First Prestige Club member. In regards to your First Prestige Club membership we collect information from the following sources:

• lnformation we receive from you on applications and other forms;
• lnformation about your transactions with us;
• Information you may provide to us in person.

If you end your customer relationship with us or become an inactive customer, we will treat the information we have about you as if you were still our customer.

3. Preserving your trust is one of our core values. At First National Bank, employee access to your personal information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on this Privacy Policy. Because of the importance of these issues, all First National Bank employees are responsible for maintaining the confidentiality of customer information. Employees who violate this Privacy Policy will be subject to disciplinary action.

4. Medical Information. As a First Prestige Club member we may collect next of kin information, and/or medical information on you if you travel with our First Prestige Club. This information is used in the event of an emergency, or to make special accommodations for you. We do not provide this information to those inside of our bank, or to those outside of our bank who do not need to know such information. You have the right to Opt Out of our bank sharing this information. If you Opt Out of our sharing of next of kin and/or medical information as needed you will not be able to participate in First Prestige Club trips.

5. Responsible use of information provides customer benefits.

The information we collect provides significant benefits to you, our customers. This information:

• Enables us to better understand your financial and travel needs;
• Assists us as we improve products and enhance customer service;
• Allows us to comply with laws and regulations.
• Allows us to contact next of kin in the event of an emergency
• Allows us to make special accommodations for you when you travel with the First Prestige Club.

6. We will maintain accurate information about you. In keeping with reasonable commercial standards, First National Bank has established procedures to ensure that your information is accurate, current and complete.

If you believe that any information collected or furnished by First National Bank is inaccurate, please call us at 620-624-1971. We will investigate the problem and take appropriate action in a timely manner.

7. We will maintain a security program to protect your information. We will maintain a security program, which includes physical, electronic and procedural safeguards in compliance with Federal regulations to prevent unauthorized access to your personal information.

8. Restrictions on disclosing your information to outsiders. We pledge not to reveal specific information about your accounts, or other information that will personally identify you, to those outside the First National Bank organization and its affiliates (such as other banks in our holding company) for their independent use, unless:

• The information is necessary to effect, administer or enforce a transaction you requested;
• You request or authorize that the information be revealed;
• The disclosure is required or permitted by law; or
• We have informed you that this information may be disclosed and have given you an opportunity to decline.

In the event of an emergency we may disclose next of kin information and/or medical information that we have collected on you to those parties (both inside the bank and those outside the bank) such as hospitals that may need that information, unless you choose to Opt Out of us sharing that information. If you choose to Opt Out of us sharing next of kin and/or medical information as needed, you will not be able to participate in a First Prestige Club trip.

We may disclose all information we collect, as described above, to companies such as other financial institutions or other service providers that perform services on our behalf (such as data processing companies, attorneys, etc.) as permitted by law.

We may disclose your name, photograph, the month of your anniversary and/or birthday in our First Prestige Club newsletter unless you choose to opt out of our sharing that information.

For those members who are participating on a trip sponsored by The First Prestige Club we may disclose all information that we collect on you such as names, addresses, telephone numbers, or any other pertinent information to travel agents, motels, airlines, insurance companies, or other parties with a need to know in order to allow you to participate on the trip. If you choose to Opt Out of us sharing this information you will not be able to participate in a First Prestige Club trip.

9. Disclosing our privacy commitment to you. At First National Bank, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how First National Bank protects your confidential information, please contact us at 620-624-1971. If you choose to exercise your rights to opt out of us sharing information as described above please complete the Opt-Out Notice below and return it to The First National Bank of Liberal. Thank you for your business.

Retain This Portion For Your Files

Return This Portion to The First National Bank of Liberal
only if you choose to exercise your right to opt out of
information sharing.

First National Bank Opt-Out Notice
Addendum for
First Prestige Club Customers Only

The First National Bank of Liberal (hereinafter referred to as First National Bank and/or First Prestige Club) reserves the right to disclose nonpublic personal information about its consumers such as the month of your birthday, anniversary, photograph, or your name in our newsletters. First National Bank also reserves the right to share next of kin and/or medical information in the event of an emergency if you participate in a First Prestige Club trip. First National Bank also reserves the right to share information with travel agents, motels, airlines, etc. if you participate in a First Prestige Club trip. If you prefer that we not disclose non-public personal information about you as described above you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to exercise your right to opt-out of the above mentioned disclosures please complete the appropriate lines below, and return this portion to First National Bank. By Opting Out of sharing information you will not be able to participate in a First Prestige Club Trip. You may fax this signed "Opt-Out" notice to 620-624-7190, or mail this signed "Opt-Out" notice to First National Bank at P.O. Box 1217, Liberal, KS 67905-1217, or you may bring it into our main bank or one of our branch offices.

If you choose to exercise your rights to opt out of information sharing as described above First National Bank will treat that option to opt out as applying to all consumer accounts which the customer is either an owner of, or is a co-owner of. In the case of Joint Accounts an election by one owner or co-owner will be deemed to apply to the joint account.

_____I wish to opt out of sharing the selected nonpublic personal information as described above.

Signature

Social Security Number or TIN Number

Date

FUNDS AVAILABILITY DISCLOSURE
The First National Bank of Liberal
1700 N. Lincoln
P.O. Box 1217
Liberal, KS 67905-1217

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

YOUR ABILITY TO WITHDRAW FUNDS AT THE FIRST NATIONAL BANK OF LIBERAL. 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. However, funds from electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and/or we will use them 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. If you make a deposit before 3:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:30 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit at an ATM owned by The First National Bank of Liberal, the deposit will not be considered to have been made until the bank's staff retrieves the deposit envelope from the ATM. The bank will retrieve the deposit envelopes for processing Monday through Friday at 3 P.M. The funds from those deposits will be subject to our regular funds availability policy, but generally will be posted to your account and available for withdrawal on the next business day following the date that the deposit envelope was retrieved by the bank's staff for processing. If the bank is closed for a holiday, the deposit envelope will be retrieved at 3 P.M. on the following business day.

RESERVATION OF RIGHT TO HOLD. 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 second (2nd) business day after the day of your deposit. The first $200.00 of your deposit, however, will be available on the first business day after the day of your deposit. 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 business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available.

LONGER DELAYS MAY APPLY. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

• You deposit checks totaling more than $5,000.00 on any day;
• You redeposit a check that has been returned unpaid;
• You have overdrawn your account repeatedly in the last six months;
• We believe a check you deposit will not be paid;
• 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 fourth (4^th) business day after the day of your deposit.

HOLDS ON OTHER FUNDS. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time; funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

SPECIAL RULES FOR NEW ACCOUNTS. If you are a new customer, the following 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 $5,000.00 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. The excess over $5,000.00 will be available on the fourth (4^th) 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 $5,000.00 will not be available until the second business day after the day of your deposit.

Funds from deposits of checks drawn on THE FIRST NATIONAL BANK OF LIBERAL will be available on the first business day after the day of your deposit. Funds from all other check deposits will be available not later than the fourth (4^th) business day after the day of your deposit.

The following are The First National Bank of Liberal ATM Locations:

EXPRESSBANK
4th & Lincoln
Liberal, KS

EXPRESS BANK SOUTH
930 S. Kansas
Liberal, KS

FIRST NATIONAL BAN
1700 N. Lincoln
Liberal, KS

FIRST NATIONAL BANK
502 S. Jackson
Hugoton, KS

FIRST NATIONAL BANK
413 West 11th
Hugoton, KS

LIBERAL PLAZA
l5TH & HWY83
Liberal, KS

MONEY $ MART
Wal-Mart Super Center
250 E. Tucker
Liberal, KS

SEWARD COUNTY COMMUNITY COLLEGE
Student Activities Bldg., Liberal, KS

SOUTHWEST MEDICAL CENTER
15TH & Pershing
Liberal, KS

SOUTHGATE CINEMA 6 THEATRES
1104 S. Kansas
Liberal, KS

THIS DISCLOSURE APPLIES ONLY TO CONSUMER ACCOUNTS

Regulation E Disclosure for The First National Bank of Liberal, KS
1700 N Lincoln Ave Liberal, KS 67901 620-624-1971
January 12, 2012

At The First National Bank of Liberal we offer a wide array of accounts and means to electronically access those accounts. This disclosure contains information about terms and fees for some of the accounts we offer. This agreement and disclosure is made in compliance with federal laws regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving an account at the Bank. This disclosure sets forth your and our rights and responsibilities concerning the electronic funds transfers. In this Agreement, the words "you" and "your" mean those who sign as account owners, any authorized user(s) on the accounts, and applicants for accounts. The words "we", "us", "our", and "Bank" means The First National Bank of Liberal. The abbreviation "PIN" or word "code" means a personal identification number.

Online Banking Service:

You may access certain account(s) you maintain with us by computer using your assigned user ID and passwords by accessing the online banking service. You may use the online banking service to perform the following types of transactions or to perform the following functions.

• Transfer Funds Between Eligible Accounts
• Obtain Balance Information on Eligible Accounts
• Review Transactions on Eligible Accounts
• Make Loan Payments
• Online Bill Payment
• Obtain Copies of Statements
• Order Checks
• Allow the Export of Transaction History to PFM
• Access Overdraft Lines of Credit (FGR) on eligible accounts.
• You are not allowed to withdraw funds in excess of your available deposit balance at an Automatic Teller Machine (ATM) or by means of a one-time debit card transaction (also known as a POS transaction) even if you have an Overdraft Protection (ODP) Product attached to your account. Customers who have a First Guaranteed Line of Credit (FGR) will still be able to access the line of credit.

Fees for Online Banking Services: There is no charge for Online Service for users with a FNB Checking Account.

Customer Liability for Unauthorized Online Banking Transactions: In case of errors involving an Online Banking transaction Kansas law which is more consumer friendly than Regulation E will also apply. The rules concerning customer liability for unauthorized electronic funds transfers under Regulation E as superseded by Kansas law are as follows. Tell us AT ONCE if you believe your Online Banking User ID and/or PIN has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days of your learning of the loss or theft of your Online Banking User ID and/or PIN or of an unauthorized transfer, you can lose no more than $50 if someone used your Online Banking User ID and PIN without your permission. If you do NOT tell us within 4 business days after you learn of the loss or theft of your Online Banking User ID and/or PIN, you could lose as much as $300. Also, if your statement shows transfers or transactions that you did not make tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has transferred or may transfer money from your account without your permission, call 620-624-1971, or write us at The First National Bank of Liberal, P.O. Box 1217, Liberal, KS 67905-1217.

ATM (Automated Teller Machine Services):

You may use the ATM card and PIN (Personal Identification Number) issued to you to initiate transactions at ATMs which we own and operate, and at ATMs connected to the networks that are identified on your ATM card, and at such other facilities as we may designate from time to time. Unless you specify a different account at the time of the ATM transaction your Primary Account assigned to the ATM card will be used for your transaction. At the present time you may use your ATM card to perform the following types of transactions (some of these transaction types may not be available at all ATMs).

• Deposit funds to your checking account. (Only available at certain ATMs owned and operated by The First National Bank of Liberal.) When you make a deposit at an ATM the deposit will not be considered to have been made until the bank's staff retrieves the deposit envelope from the ATM. The bank will retrieve the deposit envelopes for processing Monday through Friday at 3 P.M. The funds from those deposits will be subject to our regular funds availability policy, but generally will be posted to your account and available for withdrawal on the next business day following the date that the deposit envelope was retrieved by the bank's staff for processing. If the bank is closed for a holiday the deposit envelope will be retrieved at 3 P.M. on the following business day.
• Withdraw cash from your checking account.
• Deposit funds to your savings account. When you make a deposit at an ATM the deposit will not be considered to have been made until the bank's staff retrieves the deposit envelope from the ATM. The bank will retrieve the deposit envelopes for processing Monday through Friday at 3 P.M. The funds from those deposits will be subject to our regular funds availability policy, but generally will be posted to your account and available for withdrawal on the next business day following the date that the deposit envelope was retrieved by the bank's staff for processing. If the bank is closed for a holiday the deposit envelope will be retrieved at 3 P.M. on the following business day.
• Withdraw cash from your savings account.
• Transfer funds between your checking and savings accounts.
• Obtain balance information on your deposit accounts.
• Access Overdraft Line of Credit (FGR) on eligible accounts.
• You are not allowed to withdraw funds in excess of your available deposit balance at an Automatic Teller Machine (ATM) or by means of a one-time debit card transaction (also known as a POS transaction) even if you have an Overdraft Protection (ODP) Product attached to your account. Customers who have a First Guaranteed Line of Credit (FGR) will still be able to access the line of credit.

Limitations on Frequency and Amounts of Withdrawals: You may withdraw up to a maximum of $400 (if there are sufficient funds in your account) per day. For security purposes, there are limits on the frequency and amount of transfers you may make using ATMs. Your cash withdrawals at terminals may not exceed $400 per day (that is, from 6 PM to 6 PM) subject to the following additional rules for weekends: Your total cash withdrawals from 6 PM Friday to 6 PM Sunday may not exceed $800 and your total cash withdrawals from 6 PM Friday to 6 PM Monday may not exceed $1,200. In addition, if Monday is a holiday, your total cash withdrawals from 6 PM Friday to 6 PM Tuesday may not exceed $1,600.

Blocked Transactions: We have the right to block certain types of transactions to help protect customer accounts from some types of fraud. For example, ATM transactions originated outside the United States are blocked. If you plan to travel outside the United Sates, please contact the Bookkeeping Department at 620-624-1300 to temporarily unblock these transactions while you are traveling.

Fees and Charges for ATM Transactions: There is no charge for ATM withdrawals at machines owned by us. Charges for ATM withdrawals at ATMs not owned by The First National Bank of Liberal are as follows:

• STAR Locations $1.00
• PLUS Locations $2.50

There is no charge for ATM deposits at machines owned by us. You may not make deposits at ATMs not owned by us. There is a Replacement Card Fee of $10.00 per card. When you use an ATM not owned by us, you may be charged a fee by the ATM operator, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. The fees that may be imposed by the ATM operator would be in addition to the fees that FNB charges for using an ATM not owned by us.

Customer Liability for Unauthorized ATM Transactions: In case of errors involving ATM transactions Kansas law which is more consumer friendly than Regulation E will also apply. The rules concerning customer liability for unauthorized electronic funds transfers under Regulation E as superseded by Kansas law are as follows. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days of your learning of the loss or theft of your ATM Card, POS Card, and/or PIN or of an unauthorized transfer or transaction, you can lose no more than $50 if someone used your card and/or PIN without your permission. If you do NOT tell us within 4 business days after you learn of the loss or theft of your card and/or PIN, you could lose as much as $300. Also, if your statement shows transfers or transactions that you did not make tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has withdrawn money from your account, or transferred or may transfer money from your account without your permission, call 620-624-1971, or write us at The First National Bank of Liberal, P.O. Box 1217, Liberal, KS 67905-1217. To report a lost or stolen card after regular banking hours, call 800-554-8969.

Direct Deposits & Preauthorized Withdrawals/Transfers:

You may arrange for us to complete the following preauthorized transfers to and from your deposit accounts.

• Direct Deposits from your employer or other financial institutions to your checking or savings account.
• Direct Deposits from the U.S. Treasury Department to your checking or savings account.
• Pay certain recurring bills from your checking or savings account.

Fees and Charges: We do not charge for any preauthorized EFTs. We will charge $30 for each stop-payment order for preauthorized transfers.

Direct Deposits: If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 620-624-1971 to find out whether or not the deposit has been made.

Notice of Varying Amounts for Preauthorized Electronic Funds Transfers: If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. If you have a question about whether a preauthorized Electronic Funds Transfer has posted to your account or not or the amount of the transfer call 620-624-1971.

Stop Payment Rights for Electronic Fund Transfers: If you have told us in advance to make regular electronic fund transfers out of your account(s), you can stop any of these payments. Here’s how: Call us or write to us at the telephone number or address set forth above, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. We will charge you $30 for each stop payment order you give.

Liability for Failure to Stop Payment of Preauthorized Transfers: If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Customer Liability for Unauthorized Direct Deposit or Preauthorized Withdrawals/Transfer Transactions: In case of errors involving Preauthorized Deposits & Preauthorized Withdrawals Kansas law which is more consumer friendly than Regulation E will also apply. The rules concerning customer liability for unauthorized electronic funds transfers under Regulation E as superseded by Kansas law are as follows. Tell us AT ONCE if you believe that an electronic funds transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days of your learning of an unauthorized transfer, you can lose no more than $50 if someone transferred money without your permission. If you do NOT tell us within 4 business days after you learn of an unauthorized transfer, you could lose as much as $300. Also, if your statement shows transfers or transactions that you did not make tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has transferred or may transfer money from your account without your permission, call 620-624-1971, or write us at The First National Bank of Liberal, P.O. Box 1217, Liberal, KS 67905-1217.

First Check Card (Point of Sale Transactions also called POS Transactions):

You may use the card and PIN issued to you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. Eligible accounts may access your Overdraft Line of Credit (FGR) by using your First Check Card at POS terminals. Eligible accounts may access Overdraft Privilege Service SM by using your First Check Card at POS terminals. Effective June 28, 2010, you will no longer be able to withdraw funds in excess of your available deposit balance at an Automatic Teller Machine (ATM) or by means of a one-time debit card transaction (also known as a POS transaction) even if you have an Overdraft Protection (ODP) Product attached to your account. Customers who have a First Guaranteed Line of Credit (FGR) will still be able to access the line of credit.

Limitations on Frequency and Amount of POS Transactions: You may purchase up to a maximum of $1,000 worth of goods and services per day, exclusive of ATM withdrawals. You are not allowed to withdraw funds in excess of your available deposit balance at an Automatic Teller Machine (ATM) or by means of a one-time debit card transaction (also known as a POS transaction) even if you have an Overdraft Protection (ODP) Product attached to your account. Customers who have a First Guaranteed Line of Credit (FGR) will still be able to access the line of credit.

Blocked Transactions: We have the right to block certain types of transactions to help protect customer accounts from some types of fraud. For example, Point of Sale (POS)/Debit Card Transactions originated from outside the United States are blocked. If you plan to travel outside the United States, please contact the Bookkeeping Department at 620-624-1300 to temporarily unblock these transactions while you are traveling. Other transactions that may be blocked include: Transactions originated for payment of illegal activities, such as illegal online gambling sites or sites that have been identified as high risk for fraud.

Fees and Charges for POS Transactions: We do not charge for any POS transactions.

Customer Liability for Unauthorized POS Transactions: In case of errors involving preauthorized POS Transactions the following rules apply.

VISA Point of Sale Debit Card Transactions: VISA's rules of liability for unauthorized VISA Point of Sale Debit Card Transactions are more consumer friendly than the rules set by applicable law and regulation, and therefore our bank will follow VISA’s rules of liability for unauthorized VISA Point of Sale Debit Card Transactions when applicable. In the event that there is an unauthorized VISA Point of Sale Debit Card Transaction tell us, AT ONCE, if you believe your VISA point of sale debit card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized VISA point of sale debit card transactions that take place on the VISA system is Zero dollars ($0.00). Due to VISA rules we may require you to provide a written statement regarding claims of unauthorized VISA point of sale debit card transactions. These provisions limiting your liability to $0.00 do not apply to VISA commercial cards or VISA PLUS ATM transactions; and apply only to cards issued in the United States. With respect to unauthorized transactions, these limits may be exceeded to the extent allowed under applicable law and regulation (see the following paragraph) only if we determine that you were grossly negligent or fraudulent in the handling of your account or point of sale debit card. In those cases the error resolution procedures and liability limits established by Regulation E and Kansas State Law will apply. See the next section for those error resolution procedures and liability. The same consumer liability limits shall apply to Interlink Transactions. To notify us of lost or stolen cards, or of unauthorized transactions, call us at 620-624-1971 or write to us at The First National Bank of Liberal P.O. Box 1217 Liberal, KS 67905-1217. To report a lost or stolen card after regular banking hours, call 800-554-8969. This will help prevent unauthorized access to your account and minimize any inconvenience. VISA is a registered trademark of VISA International.

Customer Liability for Unauthorized POS Transactions that are not subject to the VISA Rules above are subject to Regulation E and Kansas Law: In case of errors involving POS transactions that are not subject to the VISA rules listed above Kansas law which is more consumer friendly than Regulation E will also apply. The rules concerning customer liability for unauthorized POS transactions under Regulation E as superseded by Kansas law are as follows. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN has been lost or stolen or if you believe that a POS transaction, or an electronic funds transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days of your learning of the loss or theft of your ATM Card, POS Card, and/or PIN or of an unauthorized transfer or transaction, you can lose no more than $50 if someone used your card and/or PIN without your permission. If you do NOT tell us within 4 business days after you learn of the loss or theft of your card and/or PIN, or of an unauthorized POS transaction you could lose as much as $300. Also, if your statement shows transfers or transactions that you did not make tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has withdrawn money from your account, or transferred or may transfer money from your account without your permission, call 620-624-1971, or write us at The First National Bank of Liberal, P.O. Box 1217, Liberal, KS 67905-1217. To report a lost or stolen card after regular banking hours, call 800-554-8969.

Exchange Rate Information: The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the Government mandated rate in effect for the applicable central processing date, plus 1%.

FNBee Line:

The First National Bank of Liberal offers an audio response service which we call our FNBee Line. You may access your deposit accounts by using a separate personal identification number (PIN) assigned to you and your account number to do the following:

• Obtain balance information on your deposit accounts.
• Determine if a particular check has cleared your account.
• We allow you to check the date and amount of your deposits.

Limitations on Frequency and Amount of FNBee Line Transactions: Inquires are unlimited. At this time we do not allow transfers or withdrawals by means of our FNBee Line.

Fees and Charges for FNBee Line: We do not charge for any Audio Response Transactions (FNBee Line Transactions).

Electronic Check Conversion:

You may access certain account(s) you maintain with us by means of an Electronic Check Conversion, which is when you authorize a merchant to use your check as a source of information to initiate an EFT from your account. Electronic check conversion is a payment process in which a merchant (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT to pay for purchases or to pay bills. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description of the transaction will appear on your statement.

Customer Liability for unauthorized Electronic Check Conversion Transactions: In case of errors involving Electronic Check Conversion Kansas law which is more consumer friendly than Regulation E will also apply. The rules concerning customer liability for unauthorized electronic funds transfers under Regulation E as superseded by Kansas law are as follows. Tell us AT ONCE if you believe that an electronic funds transfer has been made without your permission, or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days of your learning of an unauthorized transfer or transaction, you can lose no more than $50 if someone made an electronic funds transfer without your permission. If you do NOT tell us within 4 business days after you learn of the loss or theft or of the unauthorized transaction, you could lose as much as $300. Also, if your statement shows transfers or transactions that you did not make tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 620-624-1971, or write us at The First National Bank of Liberal, P.O. Box 1217, Liberal, KS 67905-1217. You should also call or write to us at the telephone number or address listed above if you believe a transfer has been made using information from your check without your permission. To report a lost or stolen card after regular banking hours, call 800-554-8969.

Re-Presented Check Fee Transactions:

You may authorize a merchant to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds. The resulting fee transaction if debited as an EFT from a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement.

Customer Liability for unauthorized Re-Presented Check Fee Transactions: In case of errors involving Re-Presented Check Fee Transactions Kansas law which is more consumer friendly than Regulation E will also apply. The rules concerning customer liability for unauthorized electronic funds transfers under Regulation E as superseded by Kansas law are as follows. Tell us AT ONCE if you believe that an electronic funds transfer has been made without your permission, or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days of your learning of an unauthorized transfer or transaction, you can lose no more than $50 if someone made an electronic funds transfer without your permission. If you do NOT tell us within 4 business days after you learn of the loss or theft or of the unauthorized transaction, you could lose as much as $300. Also, if your statement shows transfers or transactions that you did not make tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 620-624-1971, or write us at The First National Bank of Liberal, P.O. Box 1217, Liberal, KS 67905-1217. To report a lost or stolen card after regular banking hours, call 800-554-8969. You should also call or write to us at the telephone number or address listed above if you believe a transfer has been made using information from your check without your permission.

In Case of Errors or Questions About Your Electronic Transfers:

Telephone us at 620-624-1971, or write to us at The First National Bank of Liberal, P.O. Box 1217, Liberal, KS 67905-1217 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any)
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide provisional credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

If a notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation, and you may ask for copies of the documents that we used in our investigation.

If a notice of error involves unauthorized use of your Point of Sale Debit Card with the VISA logo when it is used as a VISA Point of Sale Debit Card, we will provide provisional credit within 5 business days after you notify us instead of within 10 or 20 business days. We may withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if the circumstances or account history warrants the delay.

Misc. Information:

Periodic Statement: You will get a monthly account statement from us, unless there are no transactions in a particular month. In any case you will get a statement quarterly.

Terminal Receipt: You can get a receipt at the time you make any transfer to or from your account using an ATM or a POS terminal. Transactions of $15 or less are exempt from the receipt requirement.

Our Liability for Failure to Make Transfers: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If the money in your account is subject to legal process or other claim restricting such transfer.
• If the transfer would go over the credit limit on your FGR Account.
• If the ATM where you are making the transfer does not have enough cash.
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
• There may be other exceptions stated in our agreement with you.

Confidentiality: We will disclose information to third parties about your account or the transfers you make:

• To complete transfers as necessary;
• To verify that an item on your account will clear and that the account is open/closed upon the request of a merchant; or
• To comply with government agency or court orders; or
• If you give us your written permission; or
• As permitted by law.

Business Days: For the purposes of these disclosures, our normal business days are Monday through Friday excluding holidays.

Personal Identification Number (PIN): The ATM PIN, POS PIN, Audio Response PIN, and the Online Banking PIN issued to you is for your security purposes. These numbers are confidential and should not be disclosed to third parties or recorded on the ATM or POS card. You are responsible for safekeeping your PIN(s). You agree not to disclose or otherwise make your ATM PIN, POS PIN, Audio Response PIN, or Online Banking PIN available to anyone not authorized to sign on your accounts.

Notices: All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the telephone number or address specified in this agreement or when mailed to The First National Bank of Liberal, 1700 North Lincoln Ave, Liberal, KS 67901. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least 21 days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.

Enforcement: In the event either party brings a legal action to enforce this Agreement or collect amounts owing as a result of any Account Transaction, the prevailing party shall be entitled to reasonable attorney's fees and costs, including fees on any appeal, subject to any limits under applicable law.

Termination of ATM, POS, Online Banking, and Audio Response Services: You agree that we may terminate this Agreement and your use of the ATM Card, POS, Audio Response, and Online Bank/Bill Pay services, if:

You or any authorized user of your ATM Card, POS Card, PIN, Online Banking/Bill Pay Password, or Audio Response PIN breach this or any other agreement with us;

We have reason to believe that there has been an unauthorized use of your ATM Card, POS Card, PIN, Online Banking/Bill Pay Password, or Audio Response PIN;

We notify you or any other party to your account that we have cancelled or will cancel this Agreement. You or any other party to your account can terminate this Agreement by notifying us in writing.

Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Availability of Funds: There may be a delay between the time a deposit is made and when it will be available for withdrawal. You should review our Funds Availability Policy to determine the availability of funds deposited at ATMs. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

Limitations on Electronic Funds Transfers for Savings Accounts, First Insured Money Market Checking Accounts (FIMMAs), Christmas Club Accounts, and Prestige Plus Savings Accounts: You may make 6 transfers from your account each 4 week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

First National Bank of Liberal ATM Locations: Listed below are the locations of ATMs owned and operated by the bank.

FNB Main Bank 1700 N Lincoln, Liberal, KS

FNB Express Bank South 930 S. Kansas, Liberal, KS

FNB Hugoton Branch 502 S Jackson, Hugoton, KS

ATM at Hugoton 413 West 11th, Hugoton, KS

ATM at Southwest Medical Center 315 W 15th Street, Liberal KS

ATM at Wal-Mart Super Center 250 E Tucker, Liberal, KS

ATM at Seward County Community College Student Activities Building, 1801 N Kansas, Liberal, KS

FNB Express Bank 4th & Lincoln, Liberal, KS (This ATM is equipped to accept deposits for FNB Liberal checking & savings accounts.)

ATM at Liberal Plaza 15th & Hwy 83, Liberal, KS (This ATM is equipped to accept deposits for FNB Liberal checking & savings accounts.)

ATM at Southgate Cinema 6 Theatres 1104 S. Kansas, Liberal, KS

THIS DISCLOSURE APPLIES ONLY TO CONSUMER ACCOUNTS

FIRST NATIONAL BANK ACCOUNTS
TRUTH IN SAVINGS DISCLOSURE

THE FIRST NATIONAL BANK OF LIBERAL
MAIN OFFICE 1700 N. LINCOLN
P. 0. BOX 1217
LIBERAL, KS 67901

Member FDIC

EFFECTIVE DATE: January 12, 2012

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

FREE FIRST CHECKING

You’ll enjoy no monthly service charge, no minimum balance requirement, truncated checks, unlimited check writing, free ATM/Check card and free online banking with our First Free Checking account.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn. This account will be considered to be inactive if there are no transactions for a period of 180 calendar days. At the bank’s discretion the bank my close the inactive account without notice. If the inactive account is closed by the bank, the bank will remit the balance of the account in the form of a Cashier’s Check made payable to the owners of the account. The check will be sent by U.S. Mail to the most current address on record for the account.

CHECKSMART CHECKING

You’ll enjoy unlimited check writing without monthly fees when you maintain a small daily balance in a Checksmart Checking Account at First National Bank. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order. ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: Maintain a $500.00 minimum daily balance in a Checksmart Checking Account and avoid a monthly maintenance fee and a per check charge. If your minimum daily balance falls below $500.00 during a statement cycle, an $8.00 maintenance fee and $ .20 per debit item fee (after the first 20 items) will be assessed.

FIRST BUDGET CHECKING

A checking account for those who do not write many checks and maintain balances of less than $500.00. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions to this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: There is a $2.50 monthly maintenance fee plus a $ .50 per debit charge (after the first 5 debits) regardless of the balance.

SENIOR CITIZENS CHECKING

If you are age 62 or better, enjoy a Senior Citizens Checking Account at First National Bank with no monthly maintenance fee regardless of the balance. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: No monthly maintenance fees for customers age 62 or better regardless of the balance.

FIRST PRESTIGE CLUB REGULAR CHECKING

First Prestige Club is for Very Special People. If you are age 55 or better, you are eligible for a bank package to save you dollars and activities you will enjoy. You may join by one of the following methods: $1,500.00 minimum balance in a regular savings account, a NOW checking account, Certificates of Deposit or IRA’s or $2,500.00 minimum balance in our First Insured Money Market Account or Prestige Plus Savings Account. The benefits you receive are: unlimited check writing privileges, wallet style First Prestige Club checks or $8.00 credit for the Choice Package, no fees for money orders, cashier’s checks and traveler’s checks, $5.00 credit on any size of safe deposit box rental, notary service. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: Maintain a $1,500.00 daily balance in an interest bearing checking account, Certificate of Deposits or IRA or $2,500.00 minimum daily balance in our First Insured Money Market Account or Prestige Plus Savings Account, and no monthly maintenance fee will be assessed. If you do not maintain a $1,500.00 balance in an interest bearing account at First National Bank, your account will be considered a Regular Checksmart Account and all fees would be applicable.

1ST CENTURY CHECKING ACCOUNT - BASIC

With the 1st Century Basic Checking Account, you will receive a package of services for one low monthly fee and you have no balance requirements. The package of services include: unlimited check writing privileges, wallet style checks or $8.00 credit for the Choice Package, no fees for money orders, traveler’s checks, and cashier’s checks, $25.00 per year safe deposit box, notary service, and accidental-death insurance. The account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: The monthly maintenance fee for the 1st Century Basic Checking Account is $10.50 regardless of the balance.

1ST CENTURY CHECKING ACCOUNT - FAMILY

With the 1st Century Family Checking Account, you will receive a package of services for one low monthly fee and you have no balance requirements. The package of services include: unlimited check writing privileges, wallet style checks or $8.00 credit for the Choice Package, no fees for money orders, traveler’s checks, and cashier’s checks, $25.00 per year safe deposit box, notary service, and accidental-death insurance. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: The monthly maintenance fee for the 1st Century Family Checking Account is $12.50 regardless of the balance.

BUSINESS CHECKING

Let First National Bank help you with your Business Checking account. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: There is a $5.50 monthly maintenance fee, plus $ .20 per debit, and $ .10 per foreign item (an item not drawn on our bank.) A $ .35 credit per $100.00 minimum balance is provided to offset the service charges up to the amount of service charges assessed for that period.

ORGANIZATION CHECKING ACCOUNT

Open your Organizational Checking Account at First National Bank. This account comes with an imaged statement.

Limitations: You must deposit $100.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: There is a $2.50 monthly maintenance fee plus a $.50 per debit charge (after the first 5 debit items) regardless of the balance.

FIRST NOW CHECKING ACCOUNT

For those who maintain a slightly higher minimum balance, the NOW account gives you the interest of passbook savings and the convenience of checking in one account. For-profit corporations, partnerships, or associations are not eligible for this account. This account comes with an imaged statement.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before the interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: Maintain a $1,000.00 minimum daily balance in a NOW Account and avoid a monthly maintenance fee and per check charge. If your daily balance falls below $1,000.00 during a statement cycle, a $10.50 maintenance fee and $ .25 per check fee (after first 20 checks) will be assessed.

FIRST INSURED MONEY MARKET CHECKING

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, including preauthorized or automatic transfer, transfer initiated through online banking, or telephone (including data transmission) agreement, order or instruction. These transfers may also be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Withdrawal transactions on this account will be paid in the following order: ATM withdrawals, point of sale, transfers, service charges, ACH transactions, and checks in sequence order. The order of payment can affect the total amount of fees incurred if the account becomes overdrawn.

Account Fees: $10.50 service charge if minimum daily balance falls below $2,500.00. $2.50 per withdrawal fee in excess of six per month. The following fee applies to this account: Printed Check Charges: Prices may vary. This account comes with an imaged statement.

REGULAR SAVINGS

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. No minimum balance required to obtain the annual percentage yield.

Limitations: You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, including preauthorized or automatic transfer, transfer initiated through online banking, or telephone (including data transmission) agreement, order or instruction. These transfers may also be made by check or draft, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Maintain daily balance of $1,000.00 and above ‑ no maintenance fee or withdrawal fee; $100.00‑$999.99 ‑ no maintenance fee, but a $1.00 per withdrawal fee (after the first 2 withdrawals each month); daily balance below $100.00 ‑ the maintenance fee is $3.50 per month plus $1.00 per withdrawal (after the first 2 withdrawals each month).

CHILDRENS SAVINGS
(BITTY BEES SAVERS CLUB)

A savings account for children under the age of 13 years old.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. Bitty Bee Bucks are given for every dollar deposited into the account. The minimum denomination of Bitty Bee Bucks is $5.00. Bitty Bee Bucks can be spent on items in Buzzy Bee’s Bee Hive. Maximum purchase of $500 in Bitty Bee Bucks in any one day

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. No minimum balance required to obtain the annual percentage yield.

Limitations: You may make six (6) transfers from your account each four (4) weeks or similar period, including preauthorized or automatic transfer, transfer initiated through online banking, or telephone (including data transmission) agreement, order or instruction. These transfers may also be made by check or draft, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Children under age 13, no minimum balance required and no maintenance fee will be assessed. Account will convert to Regular Savings account at age 13 with all applicable fees.

CHRISTMAS CLUB

A Christmas Club Account provides a way to save for Christmas. You are issued a check in November for the balance in your Club Account just in time for Christmas shopping.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. No minimum balance required to obtain the annual percentage yield.

Limitations: You may make six (6) transfers from your account each four (4) week or similar period, including preauthorized or automatic transfer, transfer initiated through online banking, or telephone (including data transmission) agreement, order or instruction. These transfers may be made by check or draft made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Account Fees: No minimum balance required and no maintenance fee.

Account Fees: No minimum balance required and no maintenance fee.

PRESTIGE PLUS

A variable rate savings account for our First Prestige Club members.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, including preauthorized or automatic transfer, transfer initiated through online banking, or telephone (including data transmission) agreement, order or instruction. These transfers may also be made by check or draft made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: No maintenance fees as long as the daily balance is $2,500.00 or more. If the daily balance falls below $2,500.00 a monthly service charge of $10.50 will be assessed.

CERTIFICATE OF DEPOSIT DISCLOSURES

TIME DEPOSITS - GENERAL INFORMATION

Exceptions: We may let you withdraw money from your account before the maturity date without an early withdrawal penalty: (1) when one or more of you dies or is determined legally incompetent by a court or other administrative body of competent jurisdiction; (2) when the account is an Individual Retirement Account (IRA) established in accordance with 26 USC 408 and the money is paid within seven (7) days after the account is opened; or (3) when the account is a Keogh Plan (Keogh), if you forfeit at least the interest earned on the withdrawn funds; or (4) if the account is an IRA or Keogh Plan established pursuant to 20 USC 401, when you reach age 59 ½ or become disabled; or (5) within an applicable grace period (if any).

Right of Setoff: Subject to applicable law, we may exercise our right of setoff or security interest against any and all of your accounts (except IRA, Keogh Plan and Trust Accounts) without notice, for any liability or debt of any of you, whether joint or individual, whether direct or contingent, whether now or hereafter existing, and whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys’ fees, or other obligations. If the account is a joint or multiple-party account, each joint or multiple-party account holder authorizes us to exercise our right of setoff against any and all accounts and each account holder.

Other Account Rules: The following rules also apply to the account.

Surrender of Instrument. We may require you to endorse and surrender the Time Deposit Agreement to us when you withdraw funds, transfer or close your account. If you lose the Agreement, you agree to sign any affidavit of lost instrument, or other agreement we may require, and agree to hold us harmless from liability prior to our honoring your withdrawal or request.

Death of Account Holder. Each account holder agrees to notify us immediately upon the death of any other account holder. You agree that we may hold the funds in your account until we have received all required documentation and instructions.

Indemnity. If you ask us to follow instructions that we believe might expose us to any claim, liability or damages, we may refuse to follow your instructions or may require a bond or other protection, including your agreement to indemnify us.

Pledge. You agree not to pledge your account without our prior consent. You may not withdraw funds from your account until all obligations secured by your account are satisfied.

180 DAY FIXED EDUCATIONAL FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 180 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded at maturity and will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. On this fixed rate FDIA, $10.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 180 days. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

31 DAY FIXED CD

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 31 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded at maturity and will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 31 days. If you withdraw any of the principal before the maturity date, we may impose a penalty of the amount of interest earned. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

90 DAY FIXED CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 90 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded at maturity and will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 90 days. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

180 DAY FIXED CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 180 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 180 days. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

9 MONTH CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 9 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 9 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will renew automatically at maturity. You will have ten (10) days after the maturity date to withdraw funds without penalty.

12 MONTH FIXED CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 12 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of three months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

15 MONTH FIXED CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 15 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 15 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

18 MONTH FIXED CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 18 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

24 MONTH FIXED CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

30 MONTH FIXED CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 30 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 30 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

36 MONTH FIXED CD/FDIA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

60 MONTH FIXED CD/FDIA/p>

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 60 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. On a fixed rate CD, no additional deposits can be made. On a fixed rate FDIA, $50.00 minimum deposits are allowed at anytime. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 60 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

18 MONTH V/0 IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. We may change the interest rate on the account every six months after date of origination. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Additional deposits may be added at anytime with no minimum deposit amount. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. We will use the rate in effect on the date of withdrawal. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

24 MONTH IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

36 MONTH IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

60 MONTH IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 60 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 60 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

ROTH 18 MONTH V/0 IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. We may change the interest rate on the account every six months after date of origination. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited to the account monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Additional deposits may be added at anytime with no minimum deposit amount. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. We will use the rate in effect on the date of withdrawal. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without a penalty.

ROTH 24 MONTH IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

ROTH 36 MONTH IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

ROTH 60 MONTH IRA

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 60 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 60 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months simple interest. This account will automatically renew. You will have ten (10) days after the maturity date to withdraw funds without penalty.

HEALTH SAVINGS ACCOUNT 12 MONTH FIXED

This account is for individuals to save for qualified medical expenses if you have a qualified high deductible health plan (HDHP).

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly or quarterly and will be credited monthly or quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. You may make additional deposits into this account at any time. You may make one (1) withdrawal per calendar month from your account.

Account Fees: No maintenance fees.

Time Account Information: Your account will mature in 12 months. This account will automatically renew.

OTHER ACCOUNT FEES

ATM TRANSACTION FEES (Applies to all accounts)
First National Bank ATM's	No charge
Star Locations	$1.00
Plus Locations	$2.50
ATM Card Replacement	$10.00
Balance Checkbook (per hour - 1 hour min.)	$25.00
Cashier's Checks (customer)	$5.00
Check Cashing Fee (non-customer)	1 ½%
(or a minimum of $5.00)
Check Printing Fee	Prices Will Vary
Coin/Deposit Bags (Vinyl -1st bag, no charge - thereafter)	$5.00
Small Zip Bag	$25.00
Large Zip Bag	$35.00
Collections	$25.00
Deposited item returned	$3.00
Dormant Account (No customer initiated activity – deposits or withdrawals)	$15.00
DDA Accounts – 1 Year
SAV and CD Accounts – 3 Years
Facsimile (620/624-9639, Continental U.S.)
Incoming: first page	$5.00
each page thereafter	$2.00
Outgoing: first page	$10.00
each page thereafter	$2.00
Garnishment	$25.00
IMG Setup Fee	$50.00
Instant Statement	$4.00
Item Representment	$3.00
IRD (Image Replacement Document)	$5.50
Medallion Signature Guarantee	$25.00
Money Orders	$4.00
New Account Closing Fee	$25.00
(within 90 days of opening)
Night Deposit Key	$3.00
Notary (non-customer)	$10.00
Overdraft charge (per item)	$30.00
Photocopies (per copy)	$1.00
Research on Account (per hour)	$30.00
(plus $1.00 per item - $30.00 minimum)
(DCI System - $5.00 per item)
Return check charge (per item)	$30.00
Safe Deposit Box (per year)
3x10 - Available in Liberal Location only	$25.00
5x10	$35.00
10x10	$60.00
Each additional key	$15.00
Drilling fee (due to loss of keys)	$180.00
Stop payment Charge	$30.00
Tax Levy	$25.00
Traveler's Cheques (per $100)	$1.00
Traveler's Cheques for Two (per $100)	$1.50
Telephone transfers (out of bank)	$10.00
(in bank)	$2.00
Wire Transfer Fees
Outgoing
In United States	$30.00
International	$40.00

It is our policy to comply with applicable laws, rules and regulations, and to conduct business in accordance with strict safety and soundness standards. An overdraft may result from: A) The payment of checks, electronic funds transfers, ATM withdrawals or other withdrawal requests you initiate: B) Payments authorized by you: C) The return, unpaid, of items deposited by you: D) Charging your account for our applicable service charges and fees: E) The deposit of items to your account which, according to our funds Availability Policy, are treated as not yet “available” or “finally paid.”

You are not allowed to withdraw funds in excess of your available deposit balance at an Automatic Teller Machine (ATM) or by means of a one-time debit card transaction (also known as a POS transaction) even if you have an Overdraft Protection (ODP) Product attached to your account. Customers who have a First Guaranteed Line of Credit (FGR) will still be able to access the line of credit.

ONLINE BANKING FEES/BILL PAY FEES

No monthly maintenance fee for Online Banking and Bill Pay services, but an FNB Checking Account is required and the checking account may have a monthly maintenance fee.