Truth in Savings

For Personal Accounts

Welcome to First Bank! This disclosure offers an overview of our checking, savings, money market accounts, and time deposits. The overview includes balance information and interest rate information.

The following disclosures are applicable:

Non-cash Deposits: When you deposit a non-cash item (i.e. check), interest, if applicable, begins to accrue no later than the business day we receive credit for the deposit.

Balance Computation Method: We use the daily balance method to calculate the interest, if applicable, on your account. This method applies the daily periodic rate to the principal in the account each day.

Average Collected Balance: The average collected balance, when applicable, is calculated by adding the collected balance in the account for each day of the statement period and dividing the figure by the number of days in the statement period.

Account Closing: If you close your account before interest is credited, you will not receive the accrued interest.

Fees: See the Personal Accounts Fee Schedule for a listing of fees that may be assessed.

VALUE FIRST

A relationship checking account based on a combined deposit and/or loan relationship of $5,000 or more.  This account is interest bearing with unlimited check writing and other benefits at no additional charge.

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. We may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.    If you close the account before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate interest on your account.  You must maintain a minimum balance of $0.01 to obtain the disclosed annual percentage yield. This account requires a combined relationship of $5,000 or more to avoid a service charge.  The combined relationship balance is determined by adding the average collected balance of each demand deposit account in the relationship (service charge cycle-to-date) and the principal balance of any loans or time deposit accounts.  The combined relationship is based on primary ownership of each account and may include deposit accounts (checking, savings, money market, time deposits, and IRAs) and personal loans (excluding secondary market mortgage loans and credit cards).  Commercial deposits and loans do not qualify.

Limitations: You must deposit $100.00 to open this account. You will have unlimited check writing capabilities and will not be charged a fee for Regular Travelers Checks, Cashiers Checks, or Money Orders.  You will receive your first order of bank selected wallet style checks, First Online Internet Banking, and First Online Bill Pay at no charge.  You will also receive a.25% discount on new First Bank personal loans with automatic debit,  a .25% interest premium on new First Bank certificates of deposit or individual retirement accounts over 12 months (Promotional rates not included), and 20% off of any Safe Deposit Box Rental, subject to availability.  

Account Fees: A service charge will not be assessed if the combined deposit and/or loan balance of $5,000 or greater is maintained for the service charge period. If the combined deposit and/or loan balance is $4,999.99 or below, a service charge of $10.00 will be assessed.  

FIRST ADVANTAGE

An interest bearing account with low balance requirements, unlimited check writing and other benefits at no additional charge.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield for this account are found on the Rates page of this web site. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: You must maintain a minimum balance of $0.01 to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A service charge will not be assessed if the minimum daily balance of $100.00 is maintained during the statement period. If the daily balance is $99.99 or below, a service charge of $10.00 will be assessed. You will have unlimited check writing capabilities and will not be charged a fee for Regular Travelers Checks, Cashiers Checks or Money Orders. You will also receive 20% off of any Safe Deposit Box Rental, subject to availability.

SENIOR ADVANTAGE

Recommended for customers age 50 and older, this account is interest bearing, has unlimited check writing, no minimum balance requirements, and other benefits at no additional charge.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield for this account are found on the Rates page of this web site. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: You must maintain a minimum balance of $.01 to obtain the disclosed annual percentage yield.

Account Fees: No service charge will be assessed on this account. You will have unlimited check writing capabilities and will not be charged a fee for Regular Travelers Checks, Cashiers Checks, Money Orders or bank selected wallet style checks. You will also receive 20% off of any safe deposit rental, subject to availability.

PREFERRED NOW ACCOUNT

An account for customers who maintain a large balance, desire a higher rate of interest and write an average number of checks.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield for this account are found on the Rates page of this web site. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. If the balance drops below $10,000.00, the rate will drop to our current, disclosed First Advantage Account rate. Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: You must maintain a minimum balance of $10,000.00 to obtain the disclosed annual percentage yield.

Limitations: You must deposit $10,000.00 to open this account.

Account Fees: If more than 25 checks are written during the statement period, a 20 cent per check charge will be assessed.

REGULAR CHECKING

A non-interest bearing account for customers who maintain a moderate balance and write fewer than 30 checks per statement period.

Limitations: You must deposit $100.00 to open this account.

Account Fees: The service charge is based on the average collected balance during the statement period. A $300 average collected balance is required to avoid a $4.00 monthly service charge. If more than 30 checks are written during the statement period, a 20 cents per check charge will be assessed. No service charge will be assessed for students up to age 23.

GOLD CHECKING

A non-interest bearing account with a small fee, no minimum balance, unlimited check writing, and other benefits at no additional charge.

Account Fees: A service charge of $8.00 will be assessed regardless of the balance maintained in the account during the statement period. You will have unlimited check writing capabilities and will not be charged a fee for Regular Travelers Checks, Cashiers Checks, Money Orders or bank selected wallet style checks. You will also receive a free 3X5 Safe Deposit Box or $10.00 off a larger box, subject to availability.

LOW COST CHECKING

Recommended for customers who write few checks and maintain a low account balance.

Account Fees: A service charge of $2.00 will be assessed regardless of the balance maintained in the account during the statement period. A fee of 20 cents per debit item will be accessed.

REGULAR SAVINGS

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield for this account are found on the Rates page of this web site. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: You must maintain a minimum balance of $0.01 to obtain the disclosed annual percentage yield.

Limitations: You must deposit $50.00 to open this account. You may make 6 preauthorized transactions from your account each month, including telephone and automatic transfers. Each subsequent transaction will be charged $5.00 in addition to other fees and charges.

Account Fees. A service charge will not be assessed if the minimum balance of $200.00 is maintained. If the balance is $199.99 or below, a service charge of 50 cents per month will be assessed. If more than 4 withdrawals are made during the month, a $1.00 per withdrawal charge will be assessed.

SAVINGS - UNDER 18 & 50 AND OVER

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield for this account are found on the Rates page of this web site. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: You must maintain a minimum balance of $0.01 to obtain the disclosed annual percentage yield.

Limitations: You must deposit $10.00 to open this account. You may make 6 preauthorized transactions from your account each month, including telephone and automatic transfers. Each subsequent transaction will be charged $5.00 in addition to other fees and charges.

Account Fees. No service charge will be assessed to this account based on the primary customer's age. At age 18 the account will automatically transfer to a Regular Savings account.

MONEY MARKET SAVINGS

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield for this account are found on the Rates page of this web site. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: You must maintain a minimum balance of $0.01 to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may make 6 preauthorized transactions from your account each monthly statement period, including telephone and automatic transfers. 3 of the 6 transactions may be by check or draft to third parties. Each subsequent transaction will be charged $5.00 in addition to other fees and charges.

Account Fees: The service charge is based on the average collected balance during the monthly statement period. If the average collected balance is $1,000.00 or above, no service charge will be assessed; if the average collected balance is $500.00 - $999.99 a $3.00 monthly charge will be assessed; if the average collected balance is below $499.99 a $6.00 monthly charge will be assessed.

OTHER ACCOUNT FEES

The following fees and charges may be assessed against your account:

Check printing fees vary by the style of check ordered
Stop Payment per item	$	25.00
NSF/Overdraft (applies to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means) per item (maximum daily limit $125)	$	25.00
Continuous Overdraft Fee (per business day beginning on the 10th consecutive calendar day overdrawn	$	5.00
Overdraft Protection (per transfer) from First Bank checking/savings account or credit card	$	2.00
Early Account Closing Fee (open less than 90 days)	$	25.00
First Online Bill Pay (Commercial)	No charge
First Online Bill Pay (Consumers)	No charge
Backup Withholding Origination Fee	$	2.00
Mid-Statement Cycle w/checks (per statement)	$	5.00
Foreign ATM Transactions (per withdrawal)*	$	1.00
Check Cashing for Non-Customers (with officer's approval)	$	5.00
Collection Fees (Incoming/Outgoing)	$	7.50
Photocopy Fee (per page)	$	0.25
Fax Service (per page)	$	1.00
Garnishments & Tax Levies (each)	$	10.00
Night Depository Key Deposit	$	10.00
Lock Depository Bag with 2 Keys	$	15.00
Travelers Checks - Regular (per $100 purchased)	$	1.00
Documentary Research (per hour)	$	35.00
Statement Copies (each)	$	1.00
Coin Counting - Non-Customers 2% of total minimum	$	0.50
Cashiers Checks - Non-Customers (each)	$	5.00
Cashiers Checks - Customers (each)	$	2.00
Money Orders - Non-Customers (each)	$	5.00
Money Orders - Customers (each)	$	2.00
Wire Transfer Fees

	Non-Customers (Incoming/Outgoing)	$	15.00
	Customers (Incoming)	$	5.00
	Customers (Outgoing)	$	15.00
	International (Incoming)	$	15.00
	International (Outgoing)	$	30.00
	Returned Deposited Items	No Charge
	Telephone Transfers	No Charge
	Automatic Transfers between Accounts	No Charge
	Transaction at First Bank ATM	No Charge
	Notary/Signature Guarantee	No Charge
	Check Card/Direct Cash Card	No Charge

* If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

Fees are subject to change with proper notification.

Automatically Renewable Time Deposit

Rate Information: The interest rate on this account will be paid until maturity. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest will be compounded quarterly and credited to your account quarterly. The interest rate and annual percentage yield for this account are found on the Rates page of this web site.

Minimum Balance Requirement: To open this account you must deposit $2,500 for a 7-90 Day CD and $500 for any other Regular CD. Variable Rate IRAs require a minimum opening balance of $25.

Transaction Limitations: You may not make deposits into or withdrawals from this account until the maturity date.

Renewal Policy: Your account will automatically renew at maturity. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date as follows:

• Term 7-181 days-equal to 1 month interest.
• Term 181-364 days-equal to 3 month interest.
• Term 12 months to 23 months-equal to 3 months of interest.
• Term greater than 23 months-equal to 6 months of interest.

Penalties are computed using the simple interest (non-compounded) rate being paid on the time deposit on the date of withdrawal.

Fees: See the current Personal Accounts Fee Schedule for a listing of fees that may be assessed.