WELCOME TO THE FAMILY

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1 YOU ARE IN THE PROCESS OF OPENING THE FOLLOWING ACCOUNT(S): Power Checking Savings Account WELCOME TO THE FAMILY ENCLOSED ARE SEVERAL PAGES OF IMPORTANT INFORMATION REGARDING YOUR NEW ACCOUNT TO INCLUDE: A Clear and Concise Guide to the Power Checking Account A Clear and Concise Guide to the Savings Account Power Checking Account Disclosure Savings Account Disclosure Banking Services/Fee Schedule Deposit Agreement Electronic Services and Electronic Funds Transfer Disclosure AccountTRANSFER Overdraft Protection Plan Funds Availability Policy Privacy Disclosure Multi-Party/Payable on Death Election Form TTY BENEFITS OF BANKING WITH FNBT/FCB 7-Day Banking with Extended Hours at our In-Store Locations For a complete listing of branch hours, visit our website. Online Banking Manage your account online. One login accesses all of our Online and Mobile Banking Services. With Online Banking, you can bank anytime, anywhere. Mobile Banking Receive up-to-date information about your account balance and recent transactions directly to your mobile device via SMS/text message or by using the downloadable application. E-Statements Go green and help save the environment by signing up for FREE E-Statements. E-Statements are a safe and secure way to keep track of your account, and you can access up to seven years of statements online. Bill Pay Bill pay is a great feature that helps you pay your bills on time! With Bill Pay, you can schedule payments to any person, company or financial institution in the United States. 24-Hour Personal Account Line (PAL) Our 24-Hour Personal Account Line provides you access to your account with 17 FREE calls per month, $0.50 per call thereafter. IMPORTANT INFORMATION TO REMEMBER ABOUT YOUR PERSONAL ACCOUNT: It is important to provide the bank with your most current mailing and address to ensure your statements and notifications are delivered on time. If mail is returned to us, there is a Returned Mail Processing Fee of $10 per month. If you decide to close your account within ninety (90) days of the opening date, a $25 fee will be assessed. Your Debit MasterCard has a daily limit of $600 (ATM) and $1,500 in purchases per day. Use our ATMs free of charge. If you use a Non-Gold Key (Foreign) ATM, a $2.50 per transaction fee will be assessed (including balance inquiries). We charge an Overdraft fee of $34 per item we pay even though you do not have enough money in your account. We will not charge an Overdraft fee if the items we pay are $1 or less or result in an overdrawn balance of $10 or less. We will also limit the number of per item Overdraft fees we charge on this account to 12 per calendar month. We charge a Non-Sufficient Funds (NSF) fee of $34 per item we return unpaid because you do not have enough money in your account to cover the item. We will not charge an NSF fee if the items we return are $1 or less. If, in one day, you have items we pay into the overdraft and you have items we return unpaid, then we will limit the combined number of Overdraft fees and NSF fees you will be charged to three (3) that day. We charge a $34 Negative Balance Fee if your account is overdrawn for six (6) consecutive banking days, even if your account becomes overdrawn due to our fees or service charges. We will waive the fee if on the sixth (6 th ) day your account is overdrawn $10 or less. We offer an AccountTRANSFER Overdraft Protection Plan. AccountTRANSFER Overdraft Protection allows you to use the money you put aside in a separate designated transfer from account as protection against overdrafts in other accounts. AccountTRANSFER Overdraft Protection transfers are made for the exact amount required to cover the overdraft plus the applicable transfer fee. If your designated transfer from account does not have enough available funds to cover the necessary amount, we will not make a transfer. We will make one (1) transfer per day and one (1) AccountTRANSFER Overdraft Protection fee of $10 will be assessed. If the exact amount is not available in the designated transfer from account to cover the overdraft plus the transfer fee, then no transfer will take place and our normal $34 per item NSF/OD fee and Negative Balance Fees apply. We appreciate your business and look forward to serving your financial needs. 12/29/17

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3 Account Opening and Usage A Clear and Concise Guide 1 to the POWER CHECKING ACCOUNT BASIC TERMS AND CONDITIONS Minimum Deposit Needed to Open Account $20 Monthly Maintenance Fee $12 (no fee if you are 55 or older) Requirements to Waive Monthly Maintenance Fee (No monthly maintenance fee if you do one of the following each statement cycle) Maintain a balance of $100 or more each day, or Have a monthly recurring direct deposit of $100 or more reflect on your monthly statement (Internal transfers from other FNBT / FCB accounts and Internet Banking transfers do not qualify as direct deposits for waiving the monthly fee), or Complete at least eight (8) debit card purchases that reflect on your monthly statement. (ATM transactions do not count towards the eight (8) debit card purchases) Gold Key ATMs (ATMs we own) Free For transactions using Gold Key ATMs. Non-Gold Key ATMs (ATMs we do not own) $2.50 Non-Sufficient Funds (NSF) Fee $34 Overdraft Fee $34 Other Service Fees For each withdrawal, inquiry or transfer, plus any fee charged by the ATM s owner/operator. Per item we return because you do not have enough money in your account. Per item we pay even though you do not have enough money in your account. Please consult the Banking Services/Fee Schedule for a list of additional service fees. AccountTRANSFER OVERDRAFT PROTECTION PLAN AccountTRANSFER Overdraft Protection allows you to use the money you put aside in a separate designated transfer from account as protection against overdrafts in other accounts. AccountTRANSFER Overdraft Protection (you must request this additional service) $10 AccountTRANSFER Overdraft Protection transfers are made for the exact amount required to cover the overdraft plus the applicable transfer fee. If your designated transfer from account does not have enough available funds to cover the necessary amount, we will not make a transfer. We will make one (1) transfer per day and one (1) fee of $10 will be assessed. If the exact amount is not available in the designated transfer from account to cover the overdraft plus the transfer fee, then no transfer will take place and our normal per item NSF/OD fee and Negative Balance Fees apply. Overdraft Fees and Overdraft Options WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES We pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. If you choose not to opt into any kind of overdraft privilege, then all transactions that will cause an overdraft will be declined or No Overdraft Privilege Service returned. However, even if you choose not to opt into any kind of overdraft privilege, your account may still become overdrawn. You will be charged an NSF fee for each check, ACH transaction and bill payment that is returned because you do not have enough Non-Sufficient Funds (NSF) Fee $34 money in your account. We will not charge this fee if the item we return is $1 or less. Option A: No Overdraft Privilege (you must request this option) Maximum Number of NSF Fees per Day 3 Negative Balance Fee $34 We limit the number of NSF fees you will be charged to three (3) per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. We will waive this fee if on the sixth (6 th ) day your account is overdrawn $10 or less. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. 3/1/17

4 Overdraft Fees and Overdraft Options WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES Option B: Partial Overdraft Privilege (This is the standard overdraft service that comes with the account) Option C: Full Overdraft Privilege (you must request this option) Partial Overdraft Privilege Service Overdraft Fee/Non- Sufficient Funds (NSF) Fee $34 Maximum Number of Overdraft Fees/NSF Fees per Day 3 Negative Balance Fee $34 Full Overdraft Privilege Service Overdraft Fee/Non- Sufficient Funds (NSF) Fee $34 Maximum Number of Overdraft Fees/NSF Fees per Day 3 Negative Balance Fee $34 We may, at our discretion, authorize and pay overdrafts for checks, ACH transactions and automated bill payments. If we choose not to pay these types of items for you, you will be charged an NSF fee for each item we return. If we choose to pay these types of items for you, you will be charged an Overdraft fee for each item we pay. We will not charge you a fee: For each item $1 or less, or Any time after we ve paid an item, including fees, if your resulting account balance is $10 or less overdrawn. We limit the combined number of per item Overdraft fees and NSF fees you will be charged to three (3) per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. We will waive this fee if on the sixth (6 th ) day your account is overdrawn $10 or less. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. We may, at our discretion, authorize and pay overdrafts for all types of transactions: ATM, everyday debit card transactions, recurring debit card transactions, checks, ACH transactions and automated bill payments. If we choose not to pay these types of items for you, you will be charged an NSF fee for each item we return. If we choose to pay these types of items for you, you will be charged an Overdraft fee for each item we pay. We will not charge you a fee: For each item $1 or less, or Any time after we ve paid an item, including fees, if your resulting account balance is $10 or less overdrawn. We limit the combined number of per item Overdraft fees and NSF fees you will be charged to three (3) per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. We will waive this fee if on the sixth (6 th ) day your account is overdrawn $10 or less. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. 3/1/17

5 Processing Policies WHAT YOU NEED TO KNOW ABOUT OUR PROCESSING POLICIES Posting Order The order in which withdrawals and deposits are processed Deposit Hold Policy When funds deposited to your account are available We start with the account balance in your account at the beginning of the banking day, subtract holds from your account balance and make any adjustments from prior days. Next, we add credits and then subtract debits from your account balance. The following is a summary of how we generally post items and examples of some of our categories and the more common transactions we assign to each category. First, your deposits and credits are added to your account balance. Then, withdrawals made at our teller windows, transfers made with our 24- Hour Personal Account Line, online and mobile banking systems, online and mobile banking bill payments and outgoing wire transfers are subtracted from your account balance in lowest to highest dollar amount. Then, card transactions and ATM transactions are subtracted from your account balance in date and time order. Then, ACH debits without a check number are subtracted from your account balance before other checks you wrote with a check number, in highest to lowest dollar amount. When we receive a check number, checks will be subtracted from your account balance in sequential check number order. Finally, most fees and service charges in lowest to highest dollar amount. Keep in mind that we may process transactions in a different order than you made them. This may impact the total amount of fees you incur per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. Electronic direct deposit o Typically the same day we receive your deposit. In some instances, we may receive your direct deposit in advance of the release/settlement date authorized by the sender. In such cases, the direct deposit will be made available no later than the release/settlement date. Cash deposit with teller o Same banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. Check deposit with teller o Usually the next banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. In some situations, after your deposit is made, we may notify you that your funds will not be available for up to seven (7) business days after the business day of your deposit. The first $200 of that deposit may be made available the next business day after the business day of your deposit depending on the type of hold placed. o If you are a new customer, within the first thirty (30) days after your account is opened, we may notify you after your deposit is made that your funds will not be available for up to nine (9) business days after the business day of your deposit. A business day is a non-holiday weekday generally ending at 5:00 p.m. local time. 1 This guide highlights some of the terms of the Power Checking Account we offer. It is not the governing terms and conditions of the Power Checking Account. For the governing terms and conditions of the Power Checking Account, please see the Deposit Agreement and Account Disclosure. For more information about our overdraft fees and options, and other services we offer, please see the What You Need to Know about Overdrafts and Overdraft Fees disclosure and the Banking Services/Fee Schedule. For more information about our deposit hold policy, please see the Funds Availability Policy. 3/1/17

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7 Account Opening and Usage A Clear and Concise Guide 1 to the SAVINGS ACCOUNT BASIC TERMS AND CONDITIONS Minimum Deposit Needed to Open Account $20 Monthly Maintenance Fee $5 How to Avoid the Monthly Maintenance Fee (do one of the following each month) Per Item Withdrawal Fee $3.50 How to Avoid the Per Item Withdrawal Fee Non-Gold Key ATMs (ATMs we do not own) $2.50 Non-Sufficient Funds (NSF) Fee $34 Overdraft Fee $34 Negative Balance Fee $34 Other Service Fees Maintain a balance of $100 or more each day, or Have a monthly recurring direct deposit of $100 or more post and clear the account. (Internal transfers from other FNBT / FCB accounts and Internet Banking transfers do not qualify as direct deposits for waiving the monthly fee) A per item withdrawal fee will be charged on the last business day of the month. We will not assess this fee on your first debit transaction. Normal ATM owner/operator charges always apply. Maintain more than $2,000 in your Savings Account each day. For each withdrawal, inquiry or transfer, plus any fee charged by the ATM s owner/operator. Per item we return because you do not have enough money in your account. Per item we pay even though you do not have enough money in your account. If your account is negative for six (6) consecutive banking days, we will charge you a Negative Balance Fee. We will waive this fee if on the sixth (6 th ) day your account is overdrawn $10 or less. Please consult the Banking Services/Fee Schedule for a list of additional service fees. Overdraft Related Fees No Overdraft Privilege WHAT YOU NEED TO KNOW ABOUT OVERDRAFT RELATED FEES To help you avoid fees, we will not authorize a transaction if you do not have enough money in your account to cover the transaction. Everyday debit card transactions will be declined, but we will not charge you a NSF fee. All transactions that will cause an overdraft will be declined No Overdraft Privilege Service or returned. However, your account may still become overdrawn. You will be charged an NSF fee for each check, ACH Non-Sufficient transaction and bill payment that is returned because you $34 Funds (NSF) Fee do not have enough money in your account. We will not charge this fee if the item we return is $1 or less. Maximum Number of NSF Fees per Day Negative Balance Fee $34 3 We limit the number of NSF fees you will be charged to three (3) per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. We will waive this fee if on the sixth (6 th ) day your account is overdrawn $10 or less. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. 3/1/17

8 Processing Policies WHAT YOU NEED TO KNOW ABOUT OUR PROCESSING POLICIES Posting Order The order in which withdrawals and deposits are processed Deposit Hold Policy When funds deposited to your account are available We start with the account balance in your account at the beginning of the banking day, subtract holds from your account balance and make any adjustments from prior days. Next, we add credits and then subtract debits from your account balance. The following is a summary of how we generally post items and examples of some of our categories and the more common transactions we assign to each category. First, your deposits and credits are added to your account balance. Then, withdrawals made at our teller windows, transfers made with our 24-Hour Personal Account Line, online and mobile banking systems, online and mobile banking bill payments and outgoing wire transfers are subtracted from your account balance in lowest to highest dollar amount. Then, card transactions and ATM transactions are subtracted from your account balance in date and time order. Then, ACH debits without a check number are subtracted from your account balance before other checks you wrote with a check number, in highest to lowest dollar amount. When we receive a check number, checks will be subtracted from your account balance in sequential check number order. Finally, most fees and service charges in lowest to highest dollar amount. Keep in mind that we may process transactions in a different order than you made them. This may impact the total amount of fees you incur per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. Electronic direct deposit o Typically the same day we receive your deposit. In some instances, we may receive your direct deposit in advance of the release/settlement date authorized by the sender. In such cases, the direct deposit will be made available no later than the release/settlement date. Cash deposit with teller o Same banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. Check deposit with teller o Usually the next banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. In some situations, after your deposit is made, we may notify you that your funds will not be available for up to seven (7) business days after the business day of your deposit. The first $200 of that deposit may be made available the next business day after the business day of your deposit depending on the type of hold placed. o If you are a new customer, within the first thirty (30) days after your account is opened, we may notify you after your deposit is made that your funds will not be available for up to nine (9) business days after the business day of your deposit. A business day is a non-holiday weekday generally ending at 5:00 p.m. local time. 3/1/17

9 Transaction Limitations WHAT YOU NEED TO KNOW ABOUT TRANSACTION LIMITATIONS Regulation D limits certain types of transactions you can make out of your Savings Account to a maximum combined total of six (6) per month. Transfers via Internet Banking (including Bill Pay) Transfers via the telephone The types of transactions that are limited to a Pre-authorized transfers out of your account combined total of six (6) per month include: Automatic transfers to cover an overdraft in another account Debit card purchases The types of transactions that are not limited include: Transactions done in person By messenger By mail At an ATM Transfers between accounts to pay loans at the same bank If you exceed the transaction limitations more than twice within a twelve (12) month period, your Savings Account will be closed. Any remaining balance will be transferred to a non-interest bearing checking account and will be subject to the terms and conditions of that account. Rate Information WHAT YOU NEED TO KNOW ABOUT OUR RATE INFORMATION The interest rate and Annual Percentage Yield (APY) on this account are subject to change at any time, without notice. Minimum Daily Balance to Receive the APY Determining the Interest Rate Frequency of Interest Rate Changes Compounding and Crediting Balance Computational Method When Interest Begins to Accrue Tiered Rate See the Personal Banking Rate Sheet for the current APY and interest rate for this account. Any change to the interest rate for your account is at our discretion. We may, at any time, change the basis of payment for interest or the rate of interest. Interest is compounded daily and credited monthly. Interest earned but not credited will be paid upon closeout of the account. We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit cash or non-cash items (for example, checks). 1 This guide highlights some of the terms of the Savings Account we offer. It is not the governing terms and conditions of the Savings Account. For the governing terms and conditions of the Savings Account, please see the Deposit Agreement and Account Disclosure. For more information about our overdraft fees and options, and other services we offer, please see the What You Need to Know about Overdrafts and Overdraft Fees disclosure and the Banking Services/Fee Schedule. For more information about our deposit hold policy, please see the Funds Availability Policy. For more information about our APY and interest rate, please see the Personal Banking Rate Sheet. 3/1/17

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11 Minimum Required to Open the Account: $20 ACCOUNT DISCLOSURE POWER CHECKING Minimum Balance to Avoid a Monthly Maintenance Fee: $100 Daily Balance Account Fees: A monthly maintenance fee of $12 will be assessed, unless one (1) of the following qualifiers is met each statement cycle: o Maintain a balance of $100 or more each day. o Have at least eight (8) debit card purchases reflect on the monthly statement. ATM transactions do not count towards the eight (8) debit card purchases. o Have a monthly recurring Direct Deposit transaction of $100 or more reflect on the monthly statement. Internal transfers from other FNBT/FCB accounts and Online Banking transfers do not qualify as Direct Deposits for waiving the monthly maintenance fee. o Have at least one (1) account holder age 55 or older. Non-Sufficient Funds (NSF) and Overdraft fees of $34.00 per item apply. Avoid NSF/OD fees with AccountTRANSFER. See a personal banker for details. See the Banking Services/Fee Schedule for other fees applicable to this account. 3/31/15

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13 Minimum Required to Open the Account: $20 ACCOUNT DISCLOSURE SAVINGS ACCOUNT Minimum Balance to Avoid a Monthly Maintenance Fee: $100 Daily Balance Rate Information: See the Personal Banking Rate Sheet for the annual percentage yield (APY) and interest rate for this account. This is a tiered rate account. The daily account balance will determine the interest rate. We may, at any time, change the basis of payment for interest or the rate of interest. Interest is compounded daily and credited monthly. Interest earned but not credited will be paid upon closeout of the account. Interest begins to accrue on the business day you deposit cash and non-cash items (for example, checks). We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Account Fees: A $5.00 monthly maintenance fee will be assessed if one (1) of the following qualifiers is not met each month: o Maintain a balance of $100 or more each day. o Have a monthly recurring Direct Deposit transaction of $100 or more post and clear the account. Internal transfers from other FNBT/FCB accounts and Online Banking transfers do not qualify as Direct Deposits for waiving the monthly maintenance fee. Non-Sufficient Funds (NSF) and Overdraft fees of $34.00 per item apply. Avoid NSF/OD fees with AccountTRANSFER. See a personal banker for details. Each AccountTRANSFER Overdraft Protection transfer is subject to a $10.00 fee. Your Savings Account provides one (1) FREE, non-accounttransfer, debit per calendar month. Except for AccountTRANSFER, beginning with the second (2 nd ) debit, a $3.50 per item withdrawal fee will be charged on the last business day of the month. Normal ATM transaction and AccountTRANSFER Overdraft Protection fees will apply. Normal ATM charges also apply. If your account balance remains above $2,000 each day of the month, you will not be subject to the $3.50 per item withdrawal fee. Normal ATM transaction and AccountTRANSFER Overdraft Protection fees will apply. Normal ATM charges also apply. See the Banking Services/Fee Schedule for other fees applicable to this account. Limitations on the Number of Transactions: Federal Regulation D limits Savings Accounts to a maximum combined total of six (6) transfers per month unless the transfers are done at an FNBT/FCB location, at an ATM or made between accounts to pay loans at the same bank. The types of transfers that are limited in total to six (6) are Online Banking transfers between accounts (including mobile and text), AccountTRANSFER Overdraft Protection transfers, telephone transfers (including automated and assisted) and debit card purchases. If the limit of six (6) allowable transfers per month is exceeded more than twice within a twelve (12) month period, your Savings Account will be closed and the remaining balance will be transferred to a checking account subject to the terms and conditions of that account. The Bank s Right to Require Notice The bank has the right to require a minimum of seven (7) days prior written notice of withdrawal from any account that is a Savings Account. 3/31/15

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15 BANKING SERVICES/FEE SCHEDULE ACCOUNT-RELATED SERVICES Account Assignment to Third Parties... $50.00 Account Closing (within 90 days of opening)... $25.00 Account Inactivity Fee (Accounts with no owner-initiated debits or credits for 11 months will be charged a fee equal to the lesser of $35.00 or the account balance.)... $35.00 Account Printout (lobby request)... FREE Account Research Statement Copy... $10.00 Minimum Research Charge (up to one (1) hour)*... $20.00 Each Additional 15 Minutes... $5.00 Per Item Fee... $1.00 *Plus postage and insurance as applicable AccountTRANSFER Overdraft Protection Plan... $10.00 ACH Stop Payment One-Time Stop Payment... $35.00 Indefinite Stop Payment... $35.00 Checkbook Balancing Per 15 Minutes... $5.00 Minimum... $5.00 Legal Processing Against Accounts (such as levies, garnishments, etc.)... $ Negative Balance Fee... $34.00 If your account is negative for six (6) consecutive banking days, we will charge you a Negative Balance Fee. For consumer accounts, we will waive this fee if on the sixth (6 th ) day your account is overdrawn $10 or less. Non-Sufficient Funds (NSF) Charge... $34.00 Online Services (Online Banking, Mobile Banking, and E-Statements)... FREE Overdraft Charge... $34.00 Overdraft Resulting from Return Item (deposited or cashed)... $34.00 Per Item Withdrawal Fee for Money Market Accounts... $5.00 Per Item Withdrawal Fee for Savings Accounts... $3.50 Personalized Checks, Deposit/Withdrawal Slips and Other Account Products... Prices upon request Recovery Fee Charged-off Accounts of $ or Less... $10.00 Charged-off Accounts Over $ $49.00 Return Item (deposited or cashed)... $10.00 Commercial (Not Including Analysis Accounts) Normal processing (per item)... $3.00 Special handling (per item)... $5.00 Photocopy (per item)... $1.00 Return Mail Processing (per month)... $10.00 Statements Held for Pick-Up... $5.00 Stop Payment Order... $35.00 Temporary Checks (each)... $0.50 Telephone Services Checking and Savings Account Assistance from a Bank Employee... $3.00 Personal Account Line (PAL) Calls per Account, per Calendar Month (up to 17 calls)... FREE Additional Inquiries/Transactions (each)... $0.50 GOLD KEY NETWORK ATM/DEBIT MASTERCARD SERVICES Available to individuals and commercial customers doing business as a sole proprietorship Debit MasterCard Non-Photo Card... FREE Photo Card... $5.00 Express Handling Fee... $25.00 Debit MasterCard Branch Pick-Up Fee... $10.00 International Transaction Fee... $3.00 Applies if you use your card to purchase goods or services in a foreign currency or in U.S. dollars with a foreign merchant. Fee also applies if you use your card to obtain foreign currency or U.S. dollars from an ATM outside of the U.S. Normal ATM fees will also apply. ATM Transactions on Any Gold Key ATM (withdrawals, inquiries and transfers)... FREE Point-Of-Sale (POS) Transactions... FREE Note: Some Non-Gold Key (Foreign) ATMs charge a terminal usage fee or surcharge for transactions on their ATMs. If assessed, their fee will be in addition to those stated below. ATM Transactions on Any Non-Gold Key (Foreign) ATMs Each Withdrawal, Balance Inquiry or Transfer... $2.50 MISCELLANEOUS SERVICES The following services and prices may vary by location and are subject Cashier s Checks to change without notice. Some restrictions may apply. Account Holder... $5.00 Issued for an On Us Check... $7.00 Declaration of Loss Processing... $35.00 Check Cashing Services* Account Holder... FREE Non-Account Holder... 2% (Minimum charge of $5.00) *Prices are available upon request for banking centers located inside H-E-B. Coin Wrapper/Bill Straps (per 1,000)... $5.00 9/26/17

16 Collection Item (service available to account holders)... $35.00 *Plus postage, insurance, and other correspondent bank fees as applicable Foreign Currency Exchange (service available to account holders) Currency (buys and sells) <$300 USD*... $10.00 Currency (buys and sells) >$300 USD*... FREE *Plus postage, insurance and other correspondent bank fees as applicable MasterCard Gift Card Purchase Price (each)... $2.00 Replacement of Lost/Stolen Card... $15.00 Cash Out Fee... $15.00 Monthly Inactivity Fee*... $15.00 *If the card has had no activity for 12 months, the inactivity fee is a monthly fee equal to the lesser of $15 or the remaining unused funds on the card. Money Orders Account Holder... $0.50 Non-Account Holder (each)... $1.00 Notary (per signature) Texas and New Mexico... $3.00 Arizona... $2.00 People Pay (Accessible through Online Banking/Mobile Banking) People Pay to an /Mobile Phone Number... $1.00 People Pay to a PayPal account... $1.50 Photocopy (each)... $0.50 Rolled Coin Deposited/Purchased... FREE Safe Deposit Boxes... Prices upon request Safety Seal Deposit Bags... Prices upon request Send/Receive Fax... First page $3.00 Each Additional Page... $1.50 Signature Guarantee Account Holder... $5.00 Strapped Currency Deposited/Purchased FREE Third Party Credit and Account Inquiries... $25.00 Western Union... Prices upon request Wire Transfer Domestic Incoming Account Holder... $10.00 Outgoing Account Holder... $25.00 Zipper Bag Small... $5.00 Large... $7.00 COMMERCIAL ANALYSIS CHARGES These fees are specific to accounts on analysis. The final determination of accounts to be placed on analysis will be at the bank s discretion. General Account Services Monthly Maintenance Fee... $10.00 Analysis Statement Fee... $1.00 Depository Services Branch Deposit... $0.15 Currency-Per Strap Purchased... $0.35 Coin-Per Roll Purchased... $0.08 Currency Per 1,000 Deposited... $0.35 Coin Wrapper-1,000 Purchased... $4.00 Currency Straps-1,000 Purchased... $4.00 Account Transactions Checks Deposited-On Us (FNBT/FCB)... $ Checks Deposited-Other Banks... $ ACH Debit... $0.12 ACH Credit... $0.15 Checks Paid... $0.15 Withdrawals... $0.15 POS Debits... $0.12 POS Credits... $0.15 Other Fees Returned Deposit Item... $2.00 Special Handling... $5.00 Photocopy... $1.00 Deposit Correction Fee... $5.00 MISCELLANEOUS COMMERCIAL CHARGES These fees are specific to Commercial Services and may require additional agreements. Change Order for Non-Account Holder (limit of $ or less)... 5% of amount Business Express Deposit (assessed monthly)... $50.00 Account Monitoring Fee (assessed monthly)*... $ Money Service Business (MSB) Application Fee*... $ Account Information Reporting Services (assessed monthly)*... $50.00 *The final determination of accounts to be charged will be at the bank s discretion. EXTENDED ACCOUNT SERVICES These services are specialized and may require additional agreements and/or equipment in order to utilize the service. Contact the New Accounts Department for details and prices. Merchant Services Deposit Preparation Services Automated Clearing House (ACH) Origination 9/26/17

17 DEPOSIT AGREEMENT Please read this Deposit Agreement carefully. This Deposit Agreement is an agreement between you and the Bank governing your Account with us. You have completed the online account opening process which authorizes opening the Account. Your consent to this Agreement, is evidenced by your continued use of the Account. DEFINITIONS Abandoned Account means any Account to which there has not been any debit or credit to the Account because of an act of the Owner for a period of time as defined by the unclaimed property laws of the state in which the Account is located, and the location or existence of the Owner is unknown to us, but the Account has not been escheated to the state. We may also refer to an Abandoned Account as a Dormant Account. Account means any deposit or savings account with us. Account Balance means the total amount of funds in your Account after items are posted, but does not include pending deposits and holds on your Account. Our automated systems may refer to Account Balance as Current Balance. The Statement may refer to Account Balance as Daily Balance. Affiliated Account means, with respect to your Account, any Account with us in which (1) you, (2) any entity that you control, or (3) any affiliated person or entity controlling, controlled by or under common control of you or any entity you control are Owner(s) or otherwise have a right to withdrawal of funds. Such Affiliated Accounts include, but are not limited to, Accounts owned by the following entities with respect to your Account: parent companies, subsidiary companies, sister companies, partnerships, joint ventures, shareholders, partners, joint venturers, officers, directors, agents and authorized representatives. Agreement means this Deposit Agreement, the Banking Services/Fee Schedule, the Account Disclosure, special feature or function terms and conditions, and any supplementary information and qualifying terms for each Account, as each of the foregoing may be amended from time to time in accordance with applicable law. Automated Clearing House or ACH means a facility which performs clearing of paperless items between financial institutions. These paperless items are commonly referred to as ACH items or ACH transactions. ACHs are generally operated by the Board of Governors of the Federal Reserve System ( Federal Reserve ) and use rules, procedures and programs under the general direction of the National Automated Clearing House Association ( NACHA ). Automated Teller Machine or ATM means a mechanical device specifically designed to permit a Bank customer to interface with the Bank s automated systems without live teller assistance. Available Balance means the funds that are currently available in your Account for your withdrawal or to pay presenting debits on your Account. Your Available Balance may change throughout the Banking Day. Please note that it is still possible for you to overdraw your Account even though the Available Balance shows there are sufficient funds to cover a transaction that you want to make. The Available Balance may not reflect all transactions that will impact the amount of funds in your Account, including, but not limited to, your outstanding checks, automatic payments such as mobile or online bill payments, or ACH and recurring Card transactions you have scheduled/authorized. For example, when you write a check, the payee may not present the check to us for payment so, in that instance, the amount of the outstanding check will not be deducted from your Available Balance. The Available Balance may not reflect all of your Card transactions. In some cases a Merchant may not present a transaction for pre-authorization. When they do present a transaction for pre-authorization, a Merchant pre-authorization Hold on your Account will decrease your Available Balance for up to three (3) Banking Days or up to thirty (30) Banking Days for certain types of Card transactions (including but not limited to car rental transactions and international transactions). If a Merchant does not submit the corresponding preauthorized transaction for payment within timeframes listed previously, our automated systems will release the pre-authorization Hold on your Account. The Available Balance will not reflect this transaction until it has been presented for payment to us and posted to your Account. Bank, we, us and our means First National Bank Texas, a national banking association, or First Convenience Bank, a division of First National Bank Texas. Banking Day means for the particular office of the Bank a day for which (a) such office of the Bank is open to the public and (b) transactions are processed by our processing center. Banking Day does not include Easter Sunday, Thanksgiving Day and Christmas Day. Business Day means every day other than Saturday, Sunday, federal holidays and any other day on which federally insured depository institutions are permitted to be closed. Card or Debit Card means a plastic card issued by the Bank for use in one or more ATMs, Point-Of-Sale ( POS ) terminals or other electronic terminals, that electronically communicates instructions and requests to the Bank regarding one or more of your Accounts with us. The Card is and remains our property. Cardholder means the Owner(s) the Account which the Card accesses. Consumer Accounts are those Accounts established for personal, family or household purposes. Electronic Funds Transfer or EFT means the transfer of funds, other than a wire transfer, which is initiated through an electronic terminal, telephone, computer or magnetic media, including ATM withdrawals and POS and ACH transactions, to order, instruct or authorize a financial institution to debit or credit an Account. You may authorize a merchant or other payee to make a one-time electronic payment from your checking Account using information from your check to (1) pay for purchases or (2) pay bills. Everyday Debit Card Transaction means a one-time transaction initiated with a Card through an ATM or POS terminal or by using your Card number to initiate a one-time transaction by telephone or computer. Fees and Service Charges means the cost to you for your Account or other services we provide. Hold on Your Account means a restriction placed on an amount of funds in your Account that prevents you from withdrawing or using those funds. A Hold on your Account may be placed under our Funds Availability Policy, a court order requiring us to prevent withdrawals, a preauthorized Card transaction not yet presented for payment but for which the bank has a legal obligation to pay, a reasonable belief to avoid a loss, or other reasons. Item means any check, ACH, funds transfer, teller cashed withdrawal, ATM withdrawal or transfer, Card purchase, fee, charge, or other amount that is added to or subtracted from your Account. Mailing Address means postal mailing address and/or address. Month means the Statement cycle for your Account which is a period of approximately one month, but which may not necessarily correspond with a calendar month, unless preceded by the word Calendar which means the period of duration from the first date of one month to the last date of the same month. Non-Sufficient Funds ( NSF ) items means items we return unpaid because you do not have enough available funds in your Account. Notice means correspondence that we provide to you regarding your Account. Notices may be mailed by paper, via United States Postal Service ( USPS ), or provided electronically. For Notices delivered electronically, we will you each time a Notice is available for your review.

18 Owner means each individual in whose name the Account is opened. Overdraft or Overdrawing Your Account means your Account Balance is less than zero (0) or your Available Balance is not enough to cover your item(s) but we pay the item(s) anyway. P.O.D. means payable on death. Recurring Transaction means a pre-authorized electronic funds transfer established in advance to recur at substantially regular intervals. Restricting Your Account means we may remove deposited funds from your Account and place the funds into an internal bank account if the Account is involved in any legal or administrative proceeding or if we reasonably believe that doing so is necessary to avoid a loss. Return Mail means any notice or statement we send you via USPS that they return to us as undeliverable. Statement means the summary of the transactions occurring in an Account from one cycle to the next, whether in paper or electronic format that is mailed by paper, via USPS or provided electronically if you are enrolled in E-Statements. The Statement includes exact photographic images of canceled checks and deposit slips unless otherwise noted that your Account will not receive imaged items. Substitute Check is a document which replaces an original check in the check collection process. We, or a correspondent bank or clearing house, may convert an original item to a substitute check. 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. You and your mean each person in whose name the Account is opened ACCOUNT OWNERSHIP AND AUTHORITY 1. Multiple-Party Accounts. If the Account, as evidenced by the Multi-Party/Payable on Death Election Form, is a Multiple-Party Account or a P.O.D. Account, our rights and liabilities for payment of any sums on deposit in the Account shall be governed by those provisions of the probate code or trusts and estates law of the state in which the Account is located applicable to such Multiple-Party or P.O.D. Account. A. Multiple-Party Account means an Account payable on request to or by one or more Owners (whether or not there is a right of survivorship). It does not include Accounts established for deposit of funds of a partnership, joint venture, or other association for business purposes, or Accounts controlled by one or more persons as the duly authorized agent or trustee for a corporation, unincorporated association, charitable or civic organization, or a regular fiduciary or Trust Account. The Owners of the Account will own the Account in proportion to such Owners net contributions to the Account. A survivorship agreement will not be inferred from the mere fact that the Account is a Multiple-Party Account; there must be an express written agreement creating the right of survivorship. If right of survivorship is not created by your completion of the Multi-Party Election Form included in the New Account Disclosures and our receipt of such completed form, then, on the death of an Owner, such Owner s ownership of the Account passes as a part of such Owner s estate under such Owner s will or by intestacy. If the right of survivorship is created by completion of the Multi-Party Election Form included in the New Account Disclosures and our receipt of such completed form, then, on the death of an Owner, all sums in the Account on the date of death vest in and belong to the surviving Owner(s) as the survivor s or survivors separate property and estate, and the right of survivorship shall continue between the surviving Owners. B. P.O.D. Account means an Account that is payable to one or more specified beneficiaries upon the death of the Owner of the Account. On the death of the Owner (or all of the Owners), ownership of the Account passes to the P.O.D. beneficiary/beneficiaries of the Account. The Account is not part of the estate of the Owner of the Account. The P.O.D. beneficiaries may or may not have rights in the Account during the life of the Owner. There must be an express written designation creating the authority of such beneficiaries of the Account. You, as an Owner, must complete our Payable On Death Account Election Form included with the New Account Disclosures you reviewed at account opening, and we must receive such completed form. The designation of the specified beneficiaries by the Owner(s) must comply with the requirements of the applicable law of the state in which the Account is located, and the Owners are solely responsible for meeting such requirements. If applicable requirements are not met with respect to the designation of P.O.D. beneficiaries, then we may treat the Account as though there is no P.O.D. beneficiary. YOU HEREBY AGREE TO HOLD US HARMLESS FROM ALL CLAIMS, DEMANDS, LAWSUITS, LOSSES, COSTS, EXPENSES AND ATTORNEYS FEES WE SUFFER OR INCUR AS A RESULT OF YOUR FAILURE TO PROPERLY DESIGNATE P.O.D. BENEFICIARIES IN ACCORDANCE WITH THE REQUIREMENTS OF THE APPLICABLE LAW OF THE STATE IN WHICH THE ACCOUNT IS LOCATED. 2. Government-Issued Identification Numbers and Cards. If required by the Bank based on the type of your Account, (a) you agree to provide taxpayer identification numbers (Social Security numbers or Individual Taxpayer Identification numbers, as applicable) assigned to you, and you warrant that the numbers provided are correct, and (b) you agree to provide your government-issued identification card. If you are subject to back-up tax withholding, you will inform the Bank of that fact at the time of the opening of your Account or, if your Account is already open, promptly after you become subject to back-up tax withholding. DEPOSITS, PROCESSING OF ITEMS, OVERDRAFTS AND OTHER ACCOUNT TRANSACTION MATTERS 3. Deposits. Deposits to your Account may be made in cash, by check or preauthorized electronic transfer. Deposits may be made in person at any of our banking centers, at our night depositories or you may send a deposit to us by mail. Additionally, qualified mobile application users may make a deposit using Mobile Check Deposit, subject to applicable terms and conditions. Do not send cash by mail. Deposits sent through the mail or placed into one of our night depositories are not received by us, for purposes of the funds availability rules and our Funds Availability Policy, until delivered by the USPS or removed from the night depository and delivered to us. You authorize us to accept checks for deposit payable to you, even if not endorsed All deposits are accepted subject to receipt of final funds. 4. Receipt of Items and Deposits. Any item or deposit, including deposits of cash and items drawn on us, received on a day other than a Banking Day, may be deemed received on our next Banking Day. 5. Funds Availability. Deposits to your Account are available for withdrawal in accordance with our published Funds Availability Policy, as it may be amended from time to time, established by the Federal Reserve and as otherwise provided in this Agreement and applicable law. 6. Handling of Items and Collections. A. We act only as your Agent in the collection of all deposited items, and we assume no responsibility beyond our exercise of due care. We will choose the method to obtain collection on deposited items and may select other parties to aid in this process. We are not responsible for actions taken or omitted by other parties or for the loss or destruction of any items in the possession of other parties or in transit. We may accept on your behalf payments to your Account, which have been transmitted through one or more ACHs and which are not subject to the Electronic Funds Transfer Act; your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of Texas as provided by the operating rules of the NACHA which are applicable to ACH transactions involving your Account. We accept deposits and issue receipts (for all over-the-counter transactions) for these deposits. Such deposits and receipts are subject to subsequent verification and corrections if necessary. All items are credited to your Account subject to final payment to us in cash or solvent credits. No deposit item shall be deemed finally paid because a portion of the deposit is deducted and withdrawn in cash. Under the operating rules of the NACHA which are applicable to ACH transactions involving your Account, we are not required to give next day notice to you of receipt of an ACH item, and we will not do so. However, we will continue to notify you of the receipt of ACH items in the periodic Statements we mail to you.