Personal Accounts

First National Bank of Central Texas

FIRST FREE CHECKING

* Minimum Opening Balance $100.00
* No Minimum Balance Required
* Unlimited Check Writing
* Free Check Safekeeping
* Free Debit Card(s)
* Free Online Banking

FIRST CHECKING

Minimum Balance

Monthly Charge

* $500.00....................................................................................No Charge
* $400.00 - $499.99...........................................................................$4.00
* $300.00 - $399.99...........................................................................$5.00
* $200.00 - $299.99...........................................................................$6.00
* $100.00 - $199.99...........................................................................$7.00
* Below $100.00.................................................................................$8.00
* Minimum Opening Balance $100.00
* Unlimited Check Writing
* Free Debit Card(s)
* Free Online Banking


FIRST VALUE CHECKING
* $3.00 Monthly Service Charge
* Activity Fee of $0.25 for Each Debit in Excess of Twenty

Each Statement Cycle
* Minimum Opening Balance $100.00
* Free Debit Card(s)
* Free Online Banking

FIRST INTEREST CHECKING

Minimum Balance

Monthly Charge

* $1,500.00 or Above...................................................................No Charge
* $1,250.00 - $1,499.99......................................................................$3.00
* $0.00 - $1,249.99.............................................................................$6.00
* Minimum Opening Balance $100.00
* Unlimited Check Writing
* Free Debit Card(s)
* Free Online Banking
* Interest Accrued Daily and Paid Monthly
* See Interest Rate Chart for Current Rates

FIRST MONEY MARKET CHECKING

Minimum Balance

Monthly Charge

* $1,500.00 or Above...................................................................No Charge
* $1,250.00 - $1,499.99......................................................................$3.00
* $0.00 - $1,249.99.............................................................................$6.00
* Minimum Opening Balance $100.00
* Free Online Banking
* Interest Accrued Daily and Paid Monthly
* See Interest Rate Chart for Current Rates


Transfers to another account or to third parties by preauthorized, automatic, electronic or telephone
transfer are limited to six per month with no more than three by check to third parties.

FIRST INVESTMENT CHECKING

The interest rate paid on this account is tiered based on the following average daily account balances.

* Tier 1...........................................................................$0.00 - $24,999.99
* Tier 2..................................................................$25,000.00 - $99,999.99
* Tier 3......................................................................$100,000.00 and Over

Minimum Balance

Monthly Charge

* $2,500.00 or Above..................................................................No Charge
* Below $2,500.00..............................................................................$7.50
* Minimum Opening Balance $25,000.00
* Free Online Banking
* Interest Accrued Daily and Paid Monthly
* See Interest Rate Chart for Current Rates


Transfers to another account or to third parties by preauthorized, automatic, electronic or telephone
transfer are limited to six per month with no more than three by check to third parties.

FIRST PRIME CHECKING - 50 YEARS OF AGE OR OLDER

* No Monthly Service Charge
* Available to Persons 50 Years of Age and Older
* Minimum Opening Balance $100.00
* Interest Accrued Daily and Paid Monthly
* Unlimited Check Writing
* Free Debit Card(s)
* Free Online Banking
* Free Bank by Mail
* Free Travelers Checks and Money Orders
* Free Standard Personalized Checks
* Free Notary Service
* See Interest Rate Chart for Current Rates

FIRST SAVINGS

* Activity fee of $1.00 for each debit in excess of six each month
* Minimum Opening Balance $100.00
* Interest Accrued Daily and Paid Monthly
* See Interest Rate Chart for Current Rates

CERTIFICATES OF DEPOSIT

* Minimum Opening Balance $1,000.00
* Interest Accrued Daily and Paid Quarterly
* Terms From 32 Days to 5 Years
* See Interest Rate Chart for Current Rates

INDIVIDUAL RETIREMENT ACCOUNTS

* Minimum Opening Balance $1,000.00
* Interest Accrued Daily and Paid Quarterly
* Terms From 32 Days to 5 Years
* See Interest Rate Chart for Current Rates