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	Zia Reward Checking � Requirements Minimum balance to open: $50.00 Costs Monthly service charge if average daily balance falls below $1000.00 during the month, $7.50 No limit on transactions per month Click It! Checking Requirements Minimum balance to open: $50.00 Costs There is no monthly service charge for this account as long as ONLY electronic banking products are utilized, such as, eStatements, online banking, direct deposit, ACH payments, debit card and ATM transactions. If more that three (3) paper items (deposits/checks) are processed through the account per month, there will be a $7.50 service charge. No checks will be issued for this account. If more than the allowable number of checks are created and processed through the use of online Bill Pay, please contact your account officer for a refund of charges. Main Street Checking Requirements Minimum balance to open: $50.00 Benefits Unlimited Checking Insurance Benefits Standard ($10,000.00 coverage), $7.00 Commercial Checking Please visit with one of our officers regarding specifics of a commercial checking account. NOW Account Requirements: Minimum balance to open: $1,000.00 Costs: No limit on transactions per month. A monthly service charge of $8.00 will be imposed if the average collected daily balance for the month falls below $1,000.00. Money Market Account Requirements: Minimum balance to open: $5,000.00 Costs: 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. A service charge of $5.00 will be imposed for each subsequent withdrawal over the allowable six. A monthly service charge of $10.00 will be imposed if the average collected daily balance for the month falls below $5,000.00. Savings Accounts Requirements: Minimum Opening Deposit, $25.00 Costs: 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. A service charge of $5.00 will be imposed for each subsequent withdrawal over the allowable six. A quarterly service charge of $2.50 will be imposed if the average collected daily balance for the quarter falls below $100.00. Kids Kash Klub Requirements: Minimum Opening Deposit, $25.00 Benefits Watch your savings grow! Receive a prize when you open your account with $25.00. You will receive a prize each time you reach an additional deposit of $100 up to $500. When you have reached a $500 balance, you will receive a First National Bank T-Shirt. Costs: 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. A service charge of $5.00 will be imposed for each subsequent withdrawal over the allowable six. Personal Business (DBA) Checking Requirements: Minimum Opening Deposit, $50.00 Costs: Monthly service charge if average daily balance falls below $1,000.00 during the month, $7.00. Silver Select Accounts Requirements: Minimum Opening Deposit, $50.00 Benefits Unlimited Checking Insurance Benefits Travel and Entertainment Discounts Health Discounts Costs: No monthly service charge to customers over age 50 Limited to one (1) per customer �

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NOTICE: OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.