Account Information FNB Griffin

Account Information

FIRST CHECKING

Limitations: You must deposit $50.00 to open this account.
Account Fees: The following fee applies to this account: First Checking Monthly Service Fee: $7.50.

50+ CHECKING

Limitations: You must deposit $50.00 to open this account.

E-CHECKING

Limitations: You must deposit $50.00 to open this account.

INTEREST CHECKING ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are including 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 at any time. Interest begins to accrue on the business day you deposit non cash 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.

Limitations: You must deposit $50.00 to open this account.

Account Fees: A service charge of $7.50 will be imposed each monthly statement cycle if at any time the daily balance during the month (statement cycle) falls below $750.00

MONEY MARKET INVESTMENT 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 at any time.. 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.

Limitations: You must deposit $50.00 to open this account.

Account Fees: If the daily balance falls below $1,500.00 at any time during the statement cycle a fee of $10.00 will be imposed. The following fee applies to this account: Investment Savings Excess Transaction Fee: $1.00 per debit after the first 3 per statement cycle.

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 daily. Interest begins to accrue on the business day you deposit non cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. 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.

Limitations: You must deposit $50.00 to open this account.

Account Fees: You must maintain a daily balance of $200.00 to avoid a monthly service fee of $2.00.

CHRISTMAS CLUB

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 daily. Interest begins to accrue on the business day you deposit non cash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity. 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.

Limitations: You must deposit $5.00 to open this account. Withdrawals will result in the account being closed. You may not make withdrawals from your account until the maturity date.

SAVE THE DAY 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 daily. Interest begins to accrue on the business day you deposit non cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. 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.

Limitations: You must deposit $5.00 to open this account. The account must receive a minimum of $10.00 each month transferred from a checking account at FNB, and serve as overdraft protection for that account in $10.00 increments. Bank statements on each of these accounts must be received via email. Closing the checking account linked to this Save The Day Savings account will require converting this account to a regular savings account. Transfers from a Save The Day Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer or by draft or similar order to third parties are limited to six per month.

HEALTH SAVINGS ACCOUNT

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 daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily 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.

Limitations: You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or 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.

Account Fees: You must maintain a daily balance of $3,000.00 to avoid a monthly service fee of $3.00. The following fees apply to this account: HSA Distributions by withdrawal form: $25.00; HSA Excess Contribution/Mistaken Distribution: $25.00; HSA Transfer Account Fee: $5.00; HSA Request of copy of 1099, 5498 or Year End Statement: $5.00; and HSA Corrected IRS Filing fee (non bank error): $25.00.

PREMIUM INTEREST CHECKING

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.

Limitations: You must deposit $50.00 to open this account.

Account Fees: If the daily balance falls below $1,500.00 at any time during the statement cycle a fee of $10.00 will be imposed.

FIRST FRIENDS CHECKING

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.

Limitations: You must deposit $50.00 to open this account. This account is available to customers age 50 and above.

Account Fees: If the daily balance falls below $1,500.00 at any time during the statement cycle a fee of $7.00 will be imposed.

91 DAY CD < 100,000

Rate Information: The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 91 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will not be compounded on the account. Interest 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.

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.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not deposit more than $99,999.99 to this account.

Time Account Information: Your account will mature in 91 Days. If you withdraw any of the principal before the maturity date, we will impose a penalty of 3 Months of Accrued Interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

182 DAY CD < 100,000

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 will not change for the term of the account. The interest rate will be in effect for 182 days. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will not be compounded on the account. Interest 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.

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.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not deposit more than $99,999.99 to this account.

Time Account Information: Your account will mature in 182 Days. If you withdraw any of the principal before the maturity date, we will impose a penalty of 3 Months of Accrued Interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

1 YEAR CD < 100,000

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 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 and will be credited monthly. 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.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not deposit more than $99,999.99 to this account.

Time Account Information: Your account will mature in 1 Year. If you withdraw any of the principal before the maturity date, we will impose a penalty of 6 Months of Accrued Interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

18 MONTH CD < 100,000

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 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 and will be credited monthly. 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.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not deposit more than $99,999.99 to this account.

Time Account Information: Your account will mature in 18 Months . If you withdraw any of the principal before the maturity date, we will impose a penalty of 6 Months of Accrued Interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

2 YEAR CD < 100,000

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 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 and will be credited monthly. 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.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not deposit more than $99,999.99 to this account. Time

Account Information: Your account will mature in 2 Years . If you withdraw any of the principal before the maturity date, we will impose a penalty of 6 Months of Accrued Interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

3 YEAR CD < 100,000

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 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 and will be credited monthly. 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.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not deposit more than $99,999.99 to this account.

Time Account Information: Your account will mature in 3 Years . If you withdraw any of the principal before the maturity date, we will impose a penalty of 6 Months of Accrued Interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

4 YEAR CD < 100,000

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 will not change for the term of the account. The interest rate will be in effect for 48 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited monthly. 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.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not deposit more than $99,999.99 to this account.

Time Account Information: Your account will mature in 4 Years. If you withdraw any of the principal before the maturity date, we will impose a penalty of 6 Months of Accrued Interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

5 YEAR CD < 100,000

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 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 and will be credited monthly. 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.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not deposit more than $99,999.99 to this account.

Time Account Information: Your account will mature in 5 Years. If you withdraw any of the principal before the maturity date, we will impose a penalty of 6 Months of Accrued Interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

OTHER ACCOUNT FEES

OTHER ACCOUNT FEES

The following fee applies to 50+ CHECKING; and E CHECKING Accounts:

Paper Statement Fee: $2.95 per month

The following fee applies to FIRST CHECKING; 50+ CHECKING; E CHECKING; INTEREST CHECKING ACCOUNT; MONEY MARKETINVESTMENT CHECKING; REGULAR SAVINGS; SAVE THE DAY SAVINGS; HEALTH SAVINGS ACCOUNT; PREMIUM INTEREST CHECKING; and FIRST FRIENDS CHECKING Accounts:

Dormant Account Fee: A checking account is dormant if for one year you have made no deposits or withdrawals to the account. A savings account is dormant if for five years you have made no deposits or withdrawals to the account. : $5.00 (Charged each month the account remains dormant for up to twelvemonths.)

MISCELLANEOUS FEES AND CHARGES

Account Activity Printout/Statement: $ 1.00

Accounts closed within 90 days of opening: $25.00

Account Research: $20.00 per hour ($20.00 Minimum)

Cashier’s Checks $ 7.00

Check Printing Fee depends on type of check ordered.

Deposited check (and other items) returned $ 2.50 consumer 7.00 business—per item.

Garnishments $50.00

IRA transfer to another institution $25.00

Item for collection $20.00

Levies $50.00

Non-Traditional check reject fee $ 5.00

Photocopies $ .25 per copy

Special Statement Cutoff $ 2.00

Stop Payments-each $28.00

Temporary Checks $ 2.50 per 10

Withdrawals from a time account prior to maturity or prior to any notice period may be subject to penalty. See your notice of penalty for early withdrawal.

Wire Transfers

Incoming Domestic $20.00

Outgoing Domestic $20.00

Incoming International $50.00

Outgoing International $50.00

Debit/ATM Cards

Debit Card fees $25.00 Replacement of Card

Request copy of debit card merchant receipt $25.00

Telephone Transfers

Telephone transfer from checking to checking $ 2.00

Telephone transfer from checking to savings $ 2.00

Telephone transfer from checking to loan $ 2.00

Telephone transfer from savings to checking $ 2.00

Telephone transfer from savings to savings $ 2.00

Transaction Types

An overdraft or NSF fee may be imposed on checks, in person withdrawal, Debit Card

transactions, or other electronic transactions

Returned item fee-each $28.00

Paid item fee—each $28.00

Debit Card

DEBIT CARD

FEATURES AND BENEFITS

Faster and easier than writing a check and the money comes directly from your checking account.
Widely accepted at any location which displays the Visa^® sign.
Access to over 300,000 ATMs worldwide.
24-hour, 7-days-a-week access to your account at our convent locations or other locations which display the money pass logo.

Business Debit Card

BUSINESS DEBIT CARD AGREEMENT TERMS & CONDITIONS

Introduction. This Business Debit Card Agreement (Agreement”) contains contract terms and other important information relating to your Business Debit Card (“Card”). These terms govern the operation of this account unless varied or supplemented in writing. This Agreement also incorporates any other terms and conditions provided separately with your account agreement as well as the terms of any disclosures you may have received. You should read this Agreement carefully and keep a copy for your records.

Applicable Law. This Agreement will be governed by the laws of the state in which your account is located as well as federal laws and regulations. Normal banking customs and practices also apply.

Definitions. Unless consistent, words and phrases used in this document shall be construed so that the singular includes the plural and the plural includes the singular. The words “we”, “our”, and “us” refer to the financial institution which issues the Card. The words “you” and “your” refer to the owner of the specific account for which Card transactions are permitted. The word “Cardholder” refers to any person authorized by you to use the Card.

Business Card Purpose. You and any Cardholder agree that this Card is for use by business owners and employees. The Card can be used for business purpose point-of-sale and Automated Teller Machine (ATM) transactions only. The Card may not be used for personal purposes. You acknowledge and understand that the Card shall not be treated as a consumer card under the provisions of state and federal law. You agree to provide written instructions to all Cardholders that the Card shall not be used for consumer purposes. We assume all transactions are for business purposes. We do not monitor transactions to determine their purpose.

Account Requirement, Payment Responsibility, Transferability, Enforceability. The services described in this Agreement will be available to you only as long as you maintain a business checking account with us. You are liable for the payment of Card transactions authorized by you or your agent or any Cardholder or their agent. This account may not be transferred or assigned without our written consent. If any terms of this Agreement cannot be legally enforced, it will be considered changed to the extent necessary to comply with applicable laws. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable.

How to Use the Business Card, Security Procedures. The Card allows Cardholders to directly access the business checking or savings account specified in your Card Application. We will issue Cards and codes to you at your request. Each Card will identify your business as well as the Cardholder.
You agree to the following security procedures. Each Cardholder must sign their Card before it may be used. You agree to require both a Card and a code to be used together to obtain cash at designated ATMs. However, you may use your Card to purchase goods or pay for services without a code. Once a Card has been issued it cannot be transferred to another person. You agree to immediately notify us when you terminate a Cardholder’s rights and to promptly return the card to us. You agree to provide written insructions to all Cardholders about the importance of protecting the Card and code. You agree to examine your receipts and periodic statements in a timely manner. You agree that the dollar/frequency limits assigned to each Cardholder will also act as a security procedure.
Termination and Amendments.

We may terminate this Agreement
You may terminate this Agreement

We may make amendments to this Agreement in the same method as provided in the terms and conditions provided in your account agreement. Use of your Card after receipt of notice of an amendment constitutes your acceptance of the change.

Notices. Any notices mailed to you under this Agreement will be mailed to the address we have for you in our records. You will keep us notified of your current mailing address.
Order of Payment. Our policy is to post and pay Card transactions in the order they are received. We reserve the right to pay Card transactions before checks, drafts, and other items.

TYPES OF TRANSACTIONS

Below are the types of transactions your Card will accommodate.
ATM Transfers. You may access your account by ATM using your Card and code to:

make deposits to your checking account.
make deposits to your savings account.
get cash withdrawals from your checking account.
- you may withdraw no more than $300.00 per day.
get cash withdrawals from your savings account.
- you may withdraw no more than $300.00 per day.
transfer funds from your checking account to your savings account.
transfer funds from your savings account to your checking account.
get information about:
- the account balance of your checking account.
- the account balance of your savings account.

Some of these services may not be available at all terminals.

Subject to change without notice.
For security reasons, there are other limits on the number of transfers you can make by ATMs.
Point-of-Sale Transactions. You may access your checking account with your Card to purchase goods (in person or by phone) and pay for services (in person or by phone).
Using your Card and/or code:

you may make no more than 15 transactions per day.
you may not exceed $2,500.00 in transactions per day.

For security reasons there are other limits on the number of transfers you can make by debit card.

Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Card in a currency other than US Dollars, Visa will convert the charge into a US Dollar amount. The Visa currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Visa. The exchange rate Visa uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.

Visa charges us a Currency Conversion Assessment of 20 basis points (2% of the transaction) for performing the currency conversion. In addition, Visa charges us an Issuer Cross-Border Assessment of 80 basis points (8% of the transaction) on all cross-border transactions regardless of whether there is a currency conver-sion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of 8%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Visa Debit Switch in which the country of the merchant is different than the country of the cardholder.

FNB Credit Card Agreement

CREDIT CARD AGREEMENT

Interest Rates and Interest Charges	Visa®
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases	Visa® 15.96% Fixed
Interest Rates and Interest Charges APR for Balance Transfers	Visa® 15.96% Fixed
Interest Rates and Interest Charges APR for Cash Advances	Visa® 15.96% Fixed
Interest Rates and Interest Charges Penalty APR and When it Applies	Visa® None
Interest Rates and Interest Charges How to Avoid Paying Interest on Purchases	Visa® Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Interest Rates and Interest Charges Minimum Interest Charge	Visa® N/A
Interest Rates and Interest Charges For Credit Card Tips from the Federal Reserve Board	Visa® To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board, click here

Fees	Visa®	Master Card®
Fees Annual Fee	Visa® None	Master Card® None
Fees Transaction Fees Balance Transfer Cash Advances Foreign Transaction	Visa® N/A N/A N/A	Master Card® N/A N/A N/A
Fees Penalty Fees Late Payment Over-the-Credit-Limit Returned Payment	Visa® Up to 5% of amount past due N/A N/A	Master Card® Up to 5% of amount past due N/A N/A
Fees Other Fees	Visa® None	Master Card® None

Interest Charge Methods (ICM) and Computation of Balance Subject to Interest Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and services that you obtain through the use of your card is specified on the front side of this statement and explained below:

Method A – Average Daily Balance (including new transactions). The Interest Charge on purchases begins from the date the transaction is posted to your account, and the Interest Charge on cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period.

The Interest Charges for a filing cycle are computed by applying the Periodic Rate to the “average daily balance” of your account. To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.

Method E – Average Daily Balance (excluding new transactions). To avoid incurring an additional Interest Charge on the balance of purchases (and cash advances if Method E is specified as applicable to cash advances) reflected on your monthly statement, you must pay the entire “New Balance” in full, shown on your monthly statement on or before the Payment Due Date.

The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the “average daily balance” of purchases (and if applicable, cash advances). To get the average daily balance, we take the beginning balance of your account each day (excluding new transactions) and subtract payments, credits, non-accruing fees and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.

Method F – Average Daily Balance (including new transactions). To avoid incurring additional Interest Changes on the beginning balance of cash advances (and purchases if Method F is specific as applicable to purchases reflected on your monthly statements you must pay the Beginning Balance shown on your monthly statement on or before the Payment Due Date. No grace period is provided for current cycle transactions.

The Interest Charges for a billing cycle are computed applying the Periodic Rate to the “average daily balance” of cash advances (and if applicable purchases). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances and subtract any payments, credits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.

Method G – Average Daily Balance (including new transactions). To avoid incurring additional Interest Charges on the balance of purchases (and cash advances, if Method G is specified as applicable to cash advances) reflected on your monthly statement and , on any new purchases (and if applicable, cash advances) appearing on your next monthly statement, you must pay the entire “New Balance” in full, shown on your monthly statement, on or before the Payment Due Date.

The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the “average daily balance” of purchases ( and if applicable, cash advances). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases, and subtract any payments, credits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance.

Payment Crediting and Credit Balance. Payments received by 5PM at the location specified on the front of the statement after the phrase “Please Mail Your Payment To:” will be credited as of the date of receipt to the account specified on the payment coupon. Payments made in person during normal business hours at branch locations where such payments are accepted will be treated as received on the same day. Payments must be made in U.S. dollars. Payments that do not conform to the requirements set forth on or with the periodic statement (e.g. missing payment stub; payment envelope other than as provided with your statement, multiple checks or multiple coupons in the same envelope) may be subject to delay in crediting; but shall be credited within five days of receipt. If there is a credit balance due on your account, you may request, in writing, a full refund. Submit your request to the address indicated on the front of this statement after the phrase “Please send Billing inquires and Correspondence to:”

By sending your check, you are authorizing the use of the information on your check to make a one-time electronic debit from the account which the check is drawn. This electronic debit, which may be posted to your account as early as the date your check is received, will be only for the amount of your check. The original check will be destroyed and we will retain the image in our records. If you have questions please call the customer service number on the front of this billing statement.

Closing Date. The closing date is the last day of the billing cycle; all transactions received after the closing date will appear on your next statement.

Annual Fee. If you account has been assessed an annual fee, you may avoid paying this annual fee by sending written notification of termination within 30 days following the mailing date of this bill, to the address listed on the front of this statement after the phrase “Please send Billing Inquiries and Correspondence to:” You may use your card(s) during this 30 day period but immediately thereafter must send your card(s), which you have cut in flag to this same address.

Negative Credit Reports. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

BILLING RIGHTS SUMMARY
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the address shown on the front of this billing statement after the phrase “Please send Billing Inquiries…to:” In your letter, give us the following information:

Account Information: Your name and account number
Dollar Amount: The dollar amount of the suspected error
Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing (or electronically). You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true:

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:

- 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
  2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
  3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing (or electronically) at the address shown on the front of this billing statement following the phrase “Please send Billing Inquiries…to:”
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Mobile Banking Privacy Policy

Patriot Act

PATRIOT ACT DISCLOSURE

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all Financial Institutions to obtain, verify, and record information that identifies each person who opens an account. Identity verification also helps protect you and us from identity fraud.

What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Privacy Policy

Ready Reserve

READY RESERVE

Features and Benefits

Transfers in multiples of $50.00 deposited to your checking account in the event of an overdraft. There is no fee for this advance.
Billing is consolidated with your checking statement.
Interest is charged only on the outstanding balance.
Low monthly payment equal to 5% of your READY RESERVE balance or $15.00, whichever is greater, is automatically debited from your checking account.
Your READY RESERVE limit will be set by the bank based upon information obtained from your application and credit history.

*See reverse side for additional information.*

Interest Rate and Interest Charges	no
Interest Rate and Interest Charges APR for Cash Advances	no 18%
Interest Rate and Interest Charges Minimum Interest Charge	no If you are charged interest, the charge will be no less than $0.01
Interest Rate and Interest Charges Paying Interest	no You will be charged interest from the transaction date.

Fees	no
Fees Annual Fee	no $0
Fees Penalty Fees Late Payment Over-the-Credit-Limit	no $0 $0 (Standard overdraft fees apply)

Ready Reserve Agreement

READY RESERVE AGREEMENT

Use of your First National Bank (“Bank”) READY RESERVE (“R/R”) indicates your consent to the following terms and conditions.

USE OF THE ACCOUNT · If you have a personal Bank checking account and you have signed a request for R/R overdraft protection, whenever you write checks on your checking account that overdraws your balance, amounts in $50.00 multiples (not to exceed your credit limit) may be deposited to your checking account and charged to your R/R Account. You also may request an advance (not to exceed your credit limit) to be deposited to your checking account.

Bank treats both the direct advance and overdraft advances mentioned above as loans. You will be informed of the debt limit Bank allows you to incur by use of your R/R. However, if for any reason Bank advances more than your R/R limit, you must pay the excess amount immediately.

STATEMENT AND BILLING PROCEDURES – Bank will send you a monthly statement which will be combined with your checking account statement. Your checking account will be debited for 5% of your R/R balance or $15.00, whichever is greater, and applied to your R/R account as a payment, first to interest, then to principal on the same day as your closing date of your statement cycle. If your checking account does not have sufficient funds to allow for this debit, either you should make the payment or you will be debited for the past due amount along with your regular payment the next month.

When a credit balance in excess of S1.00 is created on your R/R account, whether through overpayment, through rebates or otherwise, Bank shall (i) credit the amount of the balance to your R/R account, (ii) refund any part of the remaining credit balance within seven business days from the receipt of a written request from you, and (iii) make a good faith effort to refund you by cash, check, or money order, or by credit to your deposit account, any part of the credit balance remaining in your R/R account for more than six months.

You may make a payment or pay off your balance at anytime. The finance charge is calculated on a daily basis, therefore your pay off may change each day.

Payment made shall be deemed to be received upon receipt at our mailing address or at any Bank branch office and shall be credited to your R/R account as of the date of such receipt.
Payments made by any other means will be forwarded to us for crediting to your R/R account. Such payments may be subject to a delay in crediting of up to five days after the date you deliver them. Payment shall be by cash and must be paid by the Payment Due Date shown on your periodic statement.
Payments must be received before closing time in order to be credited that day. Payments received after closing time or at any time on Saturday, Sunday or a day on which Bank is authorized by law to be closed will be credited to your R/R account as of the date of our next business day.

Bank may accept late payments or partial payments even though marked “payment in full” or containing similar legends without losing any of its rights under this Agreement. FINANCE CHARGE – A finance charge will be imposed on your R/R account and will be shown on your periodic statement unless your balance has been paid in full.

The finance charge begins to accrue on your R/R account on the first day on which there is an outstanding balance on your R/R account. The FINANCE CHARGE on your R/R account will be computed by multiplying the daily balance by the daily periodic rate of 0.0493%.

The Daily Balance for each day of the billing cycle will be the balance owed at the beginning of the billing cycle (called the Beginning Balance on your periodic statement), if any, plus all overdraft advances, minus any unpaid finance charge, other charges, and payments and credits posted through that day. For purposes of calculating the Daily Balance, a credit balance will be considered a zero balance.

The Monthly Periodic Rate is equal to an ANNUAL PERCENTAGE RATE OF 18%. SECURITY INTEREST – All property (except real property now used or expected to be used in the future as your principal dwelling) in which you previously have granted to us a security interest, or in which you in the future grant to us a security interest, also secures your obligations under this Agreement. DEFAULT – Default occurs when any other following things occur: You fail to make when due a payment on your R/R account as provided for in this Agreement, you otherwise violate this Agreement, you die, you move outside the State of Georgia, an order for relief is entered in any bankruptcy or insolvency proceeding commenced by or against you, you fail to pay your debts generally as they become due, a lien or garnishment is filed against any of your properties, you make false representation in applying for this R/R account, you have another obligation to Bank in default, or we reasonably feel insecure regarding your repayment of amounts advanced under the R/R. REMEDIES – If you are in default, then Bank may demand immediate payment of all accounts outstanding under your R/R account and Bank’s obligations under this Agreement will terminate. Bank may apply any deposits held in your account(s) with Bank or any other indebtedness owed to you by Bank to your R/R debt. You agree to pay all costs, disbursements, and reasonable attorney’s fees if your R/R account is collected by or through an attorney or in bankruptcy, or in any other judicial proceeding. If Bank does not exercise its rights on any one occasion, it may still do so upon any later default by you. PEOPLE OBLIGATED UNDER THIS AGREEMENT· The words “you” and “your” used in this Agreement refer to everyone signing a First National Bank Ready Reserve Application or an Acceptance CARD for a R/R, to their executors and estates, and to everyone using the R/R with the consent of anyone so signing. Each person so signing is jointly and severally obligated for this R/R. MISCELLANEOUS – Either you or Bank may terminate this Agreement at any time simply by giving written notice to the other. If this Agreement is terminated, you are still liable for any amounts outstanding under your R/R account.

Bank may request updated information from you or may review your credit information in connection with your R/R account and take any action it deems necessary.

If Bank decides to change this Agreement in any way, it will mail you a written notice of the change to your last given address. You agree that these changes will take effect 30 days after the mailing of notice to you unless you notify Bank in writing within those 30 days that you are electing to terminate this Agreement and unless you pay your R/R account balance in full within those 30 days. You must notify us of any change in your billing address.

You agree that Bank may regard the periodic statement of your R/R account as correct unless you notify Bank in writing of any error within 60 days after you receive a statement. This Agreement shall be governed by the laws of the State of Georgia.