FNBP 26096 ImportAcctInfo FINAL Reduced

IMPORTANT ACCOUNT INFORMATION
February 2022
Privacy Policy
Deposit Account Agreement

General Terms
Funds Availability
Electronic Funds Transfers
Truth In Savings Disclosure

Checking Accounts
Savings & Money Market Accounts
ATM/Debit Card Agreement
Business Debit Card Agreement
What You Need to Know About Overdrafts and Overdraft Fees
Fee Schedules
Rev. April 2019
WHAT DOES F.N.B. CORPORATION DO WITH YOUR PERSONAL

FACTS INFORMATION?
Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you how
Why? we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do.
The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
What? ■ Social Security Number and Income
■ Account Balances and Payment History
■ Credit History and Credit Score
All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their customers’
How? personal information; the reasons F.N.B. Corporation chooses to share; and whether you can limit
this sharing.
Does F.N.B. Corporation

Reasons we can share your personal information Can you limit this sharing?
share?
For our everyday business purposes— such as to
process your transactions, maintain your account(s),
respond to court orders and legal investigations, or Yes No
report to credit bureaus
For our marketing purposes— to offer our
products and services to you Yes Yes
For joint marketing with other financial
companies
Yes Yes
For our affiliates’ everyday business purposes—
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes—
information about your creditworthiness Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don’t share
Please contact the respective F.N.B. Corporation affiliate at the number provided:
■ Call 800-555-5455 for First National Bank,
First National Bank d/b/a WauBank,
First National Corporation d/b/a First National Insurance Services or
F.N.B. Properties Company, Inc.
■ Call 866-427-7540 for FNB Financial Services, LP
■ Call 800-542-5978 for First National Trust Company,
First National Investment Services Company, LLC or
To Limit Our F.N.B. Investment Advisors, Inc.
Sharing ■ Call 800-252-4850 for First National Insurance Agency, LLC
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent
this notice. When you are no longer our customer, we continue to share your information as
described in this notice.
However, you can contact us at any time to limit sharing.
Questions? Call 800-555-5455

Who we are
F.N.B. Corporation is a diversified financial services holding company
Who is providing this notice? operating a bank, consumer lending and wealth management
companies and an insurance agency.
What we do
To protect your personal information from unauthorized access and
How does F.N.B. Corporation protect my use, we use security measures that comply with federal law. These
personal information? measures include computer safeguards and secured files and
buildings.
We collect your personal information, for example, when you:
■ Open an account or deposit money
■ Pay your bills or apply for a loan
How does F.N.B. Corporation collect my
■ Use your debit card
personal information?
We also collect your personal information from others, such as credit
bureaus, affiliates or other companies.
Federal law gives you the right to limit only:
■ Sharing for affiliates’ everyday business purposes — information
Why can’t I limit all sharing? about your creditworthiness
■ Affiliates from using your information to market to you
■ Sharing for nonaffiliates to market to you
What happens when I limit sharing for an Your choices will apply to everyone on your account — unless you tell
account I hold jointly with someone else? us otherwise.
Definitions
Companies related by common ownership or control. They can be
financial and nonfinancial companies.
■ Our affiliates include financial companies such as First National
Bank, First National Bank d/b/a WauBank, First National Trust
Company, First National Investment Services Company, LLC,
Affiliates
which also does business as F.N.B. Investment Services and
F.N.B. Investment Advisors, Inc., First National Insurance Agency,
LLC, F.N.B. Properties Company, Inc., FNB Financial Services, LP
and First National Corporation d/b/a First National Insurance
Service.
Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
Nonaffiliates
■ F.N.B. Corporation does not share with nonaffiliates so they can
market to you.
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
Joint Marketing
■ Our joint marketing partners include credit card companies and
insurance companies.
F.N.B. Corporation Family of Companies

■ First National Bank ■ First National Insurance Agency, LLC
■ First National Bank d/b/a WauBank ■ F.N.B. Properties Company, Inc.
■ First National Trust Company ■ FNB Financial Services, LP
■ First National Investment Services Company, LLC ■ First National Corporation d/b/a First National Insurance
■ F.N.B. Investment Advisors, Inc. Services
FNB
Deposit Account
Agreement
January 23, 2022
THIS PAGE LEFT INTENTIONALLY BLANK
CONTENTS
SECTION 1 – GENERAL TERMS & CONDITIONS .................................................................................................................. 2

Welcome ............................................................................................................................................................................................. 2
Your Account Responsibilities ............................................................................................................................................................. 3
Checks ................................................................................................................................................................................................. 5
Substitute Checks and Your Rights ...................................................................................................................................................... 6
Deposits .............................................................................................................................................................................................. 7
Funds Availability ................................................................................................................................................................................ 9
Cut-off Times Schedule ..................................................................................................................................................................... 10
Withdrawals ...................................................................................................................................................................................... 12
Posting Order .................................................................................................................................................................................... 12
Overdrafts and Returned Items ........................................................................................................................................................ 19
Fees and Fee Schedules .................................................................................................................................................................... 21
Stop Payment .................................................................................................................................................................................... 22
Closing an Account ............................................................................................................................................................................ 23
Dormant Accounts and Abandoned Property ................................................................................................................................... 23
Liability .............................................................................................................................................................................................. 24
Right of Set Off and Security Interest ................................................................................................................................................ 24
Arbitration and Waiver of Class Action ............................................................................................................................................. 25
Legal Proceedings.............................................................................................................................................................................. 26
Legal Terms Governing This Agreement ........................................................................................................................................... 26
SECTION 2 – CONSUMER ACCOUNTS TERMS & CONDITIONS ...................................................................................... 27

Consumer Account Ownership ......................................................................................................................................................... 27
Power of Attorney ............................................................................................................................................................................. 28
Consumer Account Electronic Funds Transfers ................................................................................................................................. 28
Reporting Negative Information to Credit Bureaus; Disputing Reported Information ..................................................................... 31
SECTION 3 – BUSINESS ACCOUNTS TERMS & CONDITIONS.......................................................................................... 32

Business Account Ownership ............................................................................................................................................................ 32
SECTION 4 - DEFINITIONS ........................................................................................................................................................ 33
How to contact First National Bank:

First National Bank’s website Customer Service Center Customer Service Email
www.fnb-online.com 1-800-555-5455 FNBCustomerService@fnb-corp.com
Monday-Friday 8:00AM-9:00PM ET 48-hour response timeframe
Saturday-Sunday 8:00 AM-5:00PM ET
Member FDIC | fnb-online.com 1

SECTION 1 – GENERAL TERMS & CONDITIONS
Welcome
This Deposit Account Agreement (Agreement) governs your relationship with us concerning your deposit account held at First National
Bank of Pennsylvania (Account) and applies to your legal representative or any authorized signer on the Account. Please read this
Agreement and keep it for future reference. In this Agreement, the bank will be referred to as “we” or “us.” We will refer to you as “you”
or “your.” By signing the signature card for your Account or using this Account, you agree to the terms of this Agreement as well as
applicable state and Federal law. If we notify you of a change to this Agreement, we will describe the change and its effective date by an
Account statement message or other means. Your continued use of your Account after the effective date of the change is your acceptance
of and agreement to the change. This Agreement governs both consumer and business Accounts as described in this Agreement. There
are four sections to this Agreement:
• Section 1 - Terms applicable to both consumer and business accounts;

• Section 2 - Terms applicable to only consumer accounts;
• Section 3 - Terms applicable to only business accounts; and
• Section 4 - Definitions.
A Consumer Account is opened primarily for personal, family or household purposes. A Business Account is any deposit account, which is
not held or maintained primarily for personal, family, or household purposes. The Consumer Fee Schedule applies to Consumer Accounts
and the Business Fee Schedule applies to Business Accounts; these are collectively referred to in this Agreement as the “Fee Schedule.”
Important information concerning this Agreement:
• If there is a conflict between this Agreement and something said or provided to you by our employee, this Agreement will
govern.
• This Agreement is the entire agreement between you and us for your Account and any services, unless your Account has
separate product or service terms and conditions which also apply.
• If there is a conflict between this Agreement and the separate product or service terms and conditions of your Account,
then the separate products or service terms and conditions will govern.
• If a dispute arises between you and us, the current version of the Agreement at the time of the dispute will govern.
• Certificates of Deposit and Individual Retirement Accounts have other terms and conditions in addition to this Agreement,
which are disclosed on an additional disclosure or document.
• Section and paragraph headings in this Agreement are provided to help you find information; they are for convenience only.
• In some sections we provide examples, which cover some, but not all, of the situations or items that are covered by that
section.
• Words that are capitalized in this Agreement are defined in Section 4 – Definitions. Fees that are capitalized in this
Agreement are defined in the Fee Schedules.
• If you have questions or concerns regarding this Agreement, the Fee Schedules or any of the services described in this
Agreement, you are encouraged to contact your branch or call the Customer Service Center for more information.
2 Member FDIC | fnb-online.com

YOUR ACCOUNT RESPONSIBILITIES
Notify us if there are changes to your contact information:
You must immediately notify us if there is a change to your telephone number, mailing address or e-mail address (if applicable) so that we
can provide you with important notices and disclosures concerning your Account. Account statements and notices will either be provided
to you by mail (see the Fee Schedule for applicable fee) and/or by Online Statement (if you have consented to receive your statements
electronically through our Online Banking service). Account statements and notices will be considered unclaimed or undeliverable if two
or more statements or notices are returned to us through the mail as undeliverable or we receive email notifications that our message is
undeliverable. In either event, we may discontinue sending you statements and notices and destroy any that are undeliverable. We will
not attempt to deliver further statements or notices to you until you provide us with valid contact information.
Balance your Account and know your Available Balance:
It is your responsibility to balance your Account and know your Available Balance by recording all credits and debits in your checkbook,
or by reviewing Mobile Banking or Online Banking. To immediately determine your Available Balance, you can view it at any ATM, on
a supported electronic device by using Mobile Banking or Online Banking, or by contacting a branch or our Customer Service Center.
Your Available Balance does not include any checks you may have written, or electronic Automatic Clear House transactions (ACH) that
you may have scheduled, which have not Posted to your Account. Please review the “Posting Order” section of this Agreement for
information on how to calculate your Available Balance.
Protect your Account information:
It is your responsibility to:

• Protect your Account materials and information, such as your Account number, checkbook, ATM/debit card, passwords and PINs;
• Carefully and regularly review all Account information, such as checks, checkbooks, check stock, statements, Online
Statements and Mobile Banking and Online Banking for unauthorized activity (Note: you have 30 days to report
unauthorized activity to us);
• Maintain control over Facsimile Signatures and e-signatures;
• Use care in releasing Account information to unknown parties;
• Write checks with care to avoid alterations and forgeries; and
• Secure your computer, mobile device, networks and systems used to access Mobile Banking and Online Banking.
Review your statements and Account activity:
When an Account statement or an Online Statement is made available to you, you must review it to verify there are no errors. Your
statement is made available to you and considered received by you on the second Business Day after we mail it and your Online
Statement is available to you on the date we notify you by email of its availability even if this email is undeliverable.
Promptly notify us if you find an error:
If you identify an error on your Account statement or Online Statement, then you must promptly notify us in the time frames stated
below. You can notify us by contacting a branch or calling the Customer Service Center.

Types of Errors:
• Checks
o If you identify a forged or unauthorized signature on the front of your check or an alteration to a check you wrote (for
example, the name of the payee or the amount of the check has been changed), then you must notify us within 30 days of
the day the statement or Online Statement containing the forged or unauthorized signature is made available to you. If
the same person makes two or more unauthorized transactions on your Account and you fail to notify us of the first one
within this 30-day period, we are not liable to you for any subsequent unauthorized transactions of this type. In no event
will we be liable to you for any alteration or unauthorized signature if you fail to notify us within one year after the
statement or Online Statement is made available to you.
o If you identify a check that has an unauthorized, missing or altered endorsement (signature on the back of the check),
you must notify us within 6 months of this check appearing on your statement or Online Statement.
o We will not be liable to you if you fail to exercise ordinary care in protecting your checks and this failure substantially
contributes to an alteration of or forgery on a check.
• Electronic Fund Transfers – Any transfer of funds that is initiated through an electronic terminal, telephone, computer or
magnetic tape for the purpose of ordering, instructing or authorizing a financial institution to debit or credit an Account
(EFT). For example, ATM, debit card, ACH and online Bill Pay transactions.
o For Consumer Accounts, please see the “Consumer Account Electronic Fund Transfer” section of the Agreement.
o For Business Accounts, you must notify us of an unauthorized transaction within 30 days of when your Account
statement or Online Statement is made available to you. Upon notification, we will review the circumstances concerning
the unauthorized transaction and any rules that apply to this type of transaction and determine, at our sole discretion,
whether we will reimburse you for the unauthorized transaction.
Provide us with identification information:
Federal law, including the USA PATRIOT Act and the Bank Secrecy Act, requires us to obtain, verify and record information that identifies
each customer who opens an Account with us. At Account opening, we will ask you for your name, date of birth, address and a number
which personally identifies you (such as a Social Security number, taxpayer number, or passport number and country of issuance). We
are also required to request this information for any individual who owns a 25 percent or greater equity interest in your Legal Entity and
the identity of individual(s) who may have significant responsibility to control, manage or direct your Legal Entity (such as an executive
officer or senior manager). A Legal Entity is a corporation, limited liability company, other entity created by the filing of a public document
with a Secretary of State or similar office, a general partnership, limited partnership, or business trusts that are formed by a filing with a
state office, and any similar entity formed under the laws of a foreign jurisdiction that opens an Account. You agree to promptly comply
with our requests for information and acknowledge that we may use references or other reasonable means to determine and verify the
identity of such individuals. If you or anyone else refuse to provide information that we reasonably request, or if we are unable to verify
the identity of any person, we may close your Account and you will not hold us liable for any consequence for closing it.
You are required to cooperate with us:
You must cooperate with us in the daily course of doing business with us. In addition, you are required to cooperate with us in the
investigation of any loss related to a forgery, alteration, or unauthorized signature, which may include providing us with an affidavit
containing statements that enable us to pursue legal prosecution to prevent or recover any loss. We have a reasonable period of time to
investigate the facts and circumstances surrounding any loss claim. You may be required to notify law enforcement authorities and aid in
the investigation and prosecution of any criminal act related to your Account.

Preserve your rights:
If you experience a loss, you agree not to waive any rights you may have to recover this loss against anyone who is obligated to repay,
insure or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue
them.
CHECKS
Endorsement:
All checks cashed or deposited into your Account must be endorsed. An Endorsement is a signature, stamp or mark on the back of a
check. Your Endorsement must be below the “Endorse Here” instruction, but above the instruction of “Do not sign/write/stamp below
this line.” If you write below the line and that delays our returning the check or the check being returned by another bank, then we are
not liable to you for any loss you may incur, and you will reimburse us for any loss we incur as a result of you writing below the line. If a
check is deposited into your Account without an Endorsement, we may endorse it for you. A check made out to two or more people with
“and” must be endorsed by each person. If the check is payable to two or more people and the term “and” is not stated on the check,
then one person may endorse the check and deposit or cash it (an “Or Check”). For an Or Check, we will have no liability to you for a
check cashed or deposited by another payee on the check.
Facsimile Signatures:
A Facsimile Signature is a signature produced by mechanical means (for example, a rubber stamp or an electronic signature) that is used
by an Owner, Authorized Signer or Signer on an Account. We will pay any check or other item drawn on your Account bearing a Facsimile
Signature regardless of how or by whom the Facsimile Signature was placed on the item. We may pay such items from your Account
regardless of who is named as payee. You assume full responsibility for all payments made by us in good faith based on any Facsimile
Signature. Please see the “Your Account Responsibilities” section of the Agreement regarding your responsibility to safeguard your
Facsimile Signature.
Restrictions or Notations on the Check:
We are not bound by any restriction or notations on the front or back of a check, such as “Two signatures required,” “Void after six
months,” “Void over $50” or “Payment in full.” When you deposit or cash a check or write a check with a restriction or notation, you are
responsible for any loss or expense we or you may incur related to the restriction or notation.
Post-Dated and Stale Checks:
You agree not to write a check for a date in the future (post-dated). We may pay a post-dated check before its date with no liability to us
or you. We may, but have no obligation to, pay a check that is older than 6 months (stale) with no liability to us or you. If you do not want
a post-dated or stale check paid, you must place a stop payment on it. Please see the “Stop Payment” section for more information.

Examining Checks:
We pay checks on an automated basis and do not visually review each check. Although we may visually review a sample of checks
from time to time, reasonable commercial standards do not require us to do so. You agree that automated processing of your checks
is reasonable and that you accept responsibility for preventing and reporting forgeries, alterations or other unauthorized uses of your
checks or Account as described in the “Your Account Responsibilities” section of the Agreement. You agree that the exercise of ordinary
care does not require us to detect forgeries or alterations that could not be detected by a person observing reasonable commercial
standards.
Check Collection:
All checks cashed or deposited into your Account are conditional and subject to final payment. We may, upon notice to you, send a check
for collection instead of treating it as a deposit. This means that we send the check to the issuer’s bank for payment. Your Account will
not be credited for a sent check until we receive payment for it.
SUBSTITUTE CHECKS AND YOUR RIGHTS
What is a Substitute Check?
To make check processing faster, Federal law permits banks to replace original checks with Substitute Checks. 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. Some or all of the checks that you receive back from us may be Substitute Checks. This
notice describes rights you have when you receive Substitute Checks from us. The rights in this notice do not apply to original checks or to
electronic debits to your Account; however, you have rights under other laws with respect to those transactions.
What are your rights regarding Substitute Checks?
In certain cases, Federal law provides a special procedure that allows you to request a refund for losses you suffer if a Substitute Check is
posted to your Account (for example, if you think that we withdrew the wrong amount from your Account or that we withdrew money
from your Account more than once for the same check). The losses you may attempt to recover under this procedure may include the
amount that was withdrawn from your Account and fees that were charged as a result of the withdrawal (for example, Overdraft or
Returned Item fees). The amount of the refund under this procedure is limited to the amount of your loss or the amount of the Substitute
Check, whichever is less. You are also entitled to interest on the amount of your refund if your Account is an interest-bearing account. If
your loss exceeds the amount of the Substitute Check, you may be able to recover additional amounts under other laws.
If you use this procedure, you may receive up to an amount, not lower than $2,500 of your refund (plus interest if your Account earns
interest) within 10 Business Days after we received your claim and the remainder of your refund (plus interest if your account earns
interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if
we later are able to demonstrate that the Substitute Check was correctly posted to your Account.

How do you make a claim for a refund?
If you believe that you have suffered a loss relating to a Substitute Check that you received and that was Posted to your Account, please
contact us in writing at 4140 East State Street, Hermitage, PA 16148 or call our Customer Service Center at 1-800-555-5455. You must
contact us within 40 calendar days of the date that we mailed or otherwise delivered by an appropriate means the Substitute Check in
question or the Account statement showing that the Substitute Check was posted to your Account, whichever is later. We will reasonably
extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:
• A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
• An estimate of the amount of your loss;
• An explanation of why the Substitute Check you received is insufficient to confirm that you suffered a loss; and
• A copy of the Substitute Check or the following information to help us identify the Substitute Check: the check
number, the name of the person to whom you wrote the check, or the amount of the check.
DEPOSITS
Deposits to your Account are processed in accordance with this Agreement and applicable law, rules and regulations. Please refer to the
“Checks,” “Funds Availability” and “Posting Order” sections of the Agreement for additional information that may affect your deposits. All
items credited or deposited to your Account are conditional and are subject to final payment.
How you may make a deposit:
You, or any person, may deposit any amount of money into your Account at any branch during normal business hours. You may also
deposit money into your Account by ATM, FNB Direct Mobile app, incoming wire transfer, at an ATM, by mail, by night depository (if
applicable), direct recurring deposit such as Social Security or your paycheck as well as by transferring funds via branch, telephone,
Mobile Banking or Online Banking. Do not send cash deposits by mail. We are not responsible for any deposit which we do not receive,
and our records are the conclusive proof of whether we received the deposit.
When you may make a deposit:
Deposits may be made to your Account on any day at any time. Both the day and the time of day when you make the deposit are important.
Please see our “Cut-Off Time Schedule” for more information. If your deposit is made on a non-Business Day, then it will be treated as if it
was deposited on the next Business Day, before the cut-off time. For example, if your deposit is made on Saturday, then it is treated as if the
deposit was made before the cut-off time on Monday (provided this Monday is not a Federal holiday).
Verification and possible delay of deposits:
All deposits are subject to our verification and review for compliance with the law and our policies. This includes, but is not limited
to, deposits in ATMs and ATMs with TellerChat. This may result in delays in the availability of such deposits or credits to your Account,
or our refusal to accept all or part of the deposit. All non-cash deposits to your Account are subject to our receipt of final payment. If
final payment is not received or if any item cashed or deposited is charged back or returned to us for any reason, we will charge your
Account(s) for this item, our Returned Deposit or Cash Item fee, and any other costs or expenses we may incur, without prior notice
to you. Deposited checks less than $100 that are returned unpaid will be sent by us for payment again without us notifying you of the
nonpayment. We may also hold payment for deposited checks less than $100 that are drawn on us if they are not initially paid. We may
accept the late return of an item cashed or deposited to your Account by another bank without liability to you and charge the item back
to your Account. If the late return is based on an alteration, forgery, or unauthorized signature, we may place a hold on your Account until

we make a final determination on the validity of the claim. We will not be liable to you if charging your Account for a returned or charged
back item overdraws your Account and you incur Overdraft or Returned Item fees.
Our right to refuse a deposit:
We may refuse any deposit or limit the amount which may be deposited into your Account. We may refuse to cash a check for you and
instead require you to deposit the check into your Account.
Deposits made in error:
You agree not to use any deposit or credit that is erroneously deposited into your Account and to promptly reimburse us for such error,
regardless of who is at fault, upon our notice to you.
Notices concerning deposits:
We have no obligation to provide you with notice of any nonpayment, dishonor or protest regarding any deposits credited or charged to
your Account. To the extent permitted by law, you agree to waive any right you may have to receive notice of a deposit to your Account
made by wire transfer.
ACH Credits:
A credit to your Account may be transmitted by ACH. An ACH is an electronic debit or credit processed through the Automated Clearing
House network. Any ACH credit is conditional until we receive final payment of the amount. If we do not receive final payment for an ACH
credit, we will debit your Account for the conditional ACH credit amount, which may overdraw your Account and result in Overdraft or
Returned Item fees. We will not provide you with next-day notification of an ACH credit. ACHs are identified on your Account statement
or Online Statement.
Mobile Deposits Using FNB Xpress Deposit:
When you make a mobile deposit to an eligible consumer account with the FNB Direct Mobile Banking app, we may offer you accelerated
funds availability in return for a fee. Please see the Consumer Fee Schedule. These FNB Xpress Deposit offers are made at our sole
discretion and are based upon your account type and banking history among other factors. Deposits eligible for and subject to our FNB
Xpress Deposit service will be credited to your Account first, before any other items such as deposits and withdrawals made the same
day.
For the purposes of processing real-time transactions, Mobile Deposits with an accepted FNB Xpress Deposit offer will update your
Available Balance immediately upon completion of the Mobile Deposit regardless of the day or time. This means that you
will have access to these funds via electronic transactions such as Internal Transfers, ATM withdrawals and ATM/debit card point-of-sale
purchases as soon as the Mobile Deposit with an accepted FNB Xpress Deposit offer has been successfully completed. This does not
necessarily mean that these funds will be available for the purpose of paying transactions in nightly processing. Nightly processing
occurs at the end of every Business Day. Checks, miscellaneous debits, service charges and fees, returned deposited items, wire
transfers, ACH withdrawals, money market withdrawals, account closing withdrawals and loan payments, collectively “Nightly Items,” are
paid during nightly processing. The availability of Mobile Deposits performed with an accepted FNB Xpress Deposit offer to cover Nightly
Items is determined based on the day and time the Mobile Deposit is successfully completed. Please see below.

Mobile Deposits with FNB Xpress Deposit performed BEFORE 7:00 PM on a Business Day:
These funds will be eligible to cover Nightly Items in that day’s nightly processing window unless those funds are removed by a
transaction performed by you in advance of the completion of nightly processing. This means that Mobile Deposits made with
an accepted FNB Xpress Deposit offer before 7:00 PM, which remain in your Account during nightly processing, will be reflected in the
balance we use to pay the Nightly Items listed above.
Mobile Deposits with FNB Xpress Deposit performed AFTER 7:00 PM on a Business Day, or at any time on a non-Business Day:
These funds will not be available to cover that day’s Nightly Items and will instead be available to cover transactions on the next Business
Day unless those funds are removed by you in advance of the next nightly processing window
FUNDS AVAILABILITY
Your ability to withdraw funds:
Our policy generally is to make funds from your cash and check deposits available to you on the first Business Day after the Business Day
of your deposit; however, checks drawn on us will generally be available on the evening of your deposit on a Business Day to pay checks
or other transactions that are presented to us that evening for posting. Electronic direct deposits will be available on the day we receive
the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.
Longer delays may apply:
In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the Business Day
of your deposit. Depending on the type of check you deposit, funds may not be available until the second Business Day after the Business
Day of your deposit. The first $225 of your deposits, however, may be available on the first Business Day. If we are not going to make all of
the funds from your deposit available on the first Business Day, we will notify you at the time you make your deposit. We will also tell you
when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you
have left the premises, we will mail you the notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
• We believe a check you deposit will not be paid.

• You deposit checks totaling more than $5,525 on any one Business Day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your Account repeatedly in the last 6 months.
• There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds become
available. Funds generally will be available no later than the 7th Business Day after the day of your deposit.

Special rules for new accounts:
If you are a new customer, the following special rules apply during the first 30 days after your Account is opened.
• Funds from electronic direct deposits to your Account will be available on the day we receive the deposit.
• Funds from deposits of cash, wire transfers and the first $5,525 of the day’s total deposit of cashier’s, certified, teller’s,
traveler’s and Federal, state and local government checks will be available on the first Business Day after the Business Day of
your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525
will be available to you on the 9th Business Day after the Business Day of your deposit.
• If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first
$5,525 will not be available until the 2nd Business Day after the day of your deposit.
• Funds from all other check deposits will be available on the 11th Business Day after the day of your deposit.
Holds on other funds (check cashing):
If we cash a check for you on another bank, we may withhold the availability of a corresponding amount of funds that are already in your
Account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
Holds on other funds (other Accounts):
If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal
immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another Account
with us. The funds in the other Account would then not be available for withdrawal until the time periods described elsewhere in this
Agreement for the type of check you deposited.
Deposits at ATMs:
All ATMs that we own or operate are identified on our machines as “First National Bank” and display our logo. For deposits at ATMs we
own or operate, please refer to the “Cut-Off Times Schedule.” Funds from any deposits made at an ATM we do not own or operate will
not be available until the next Business Day after the Business Day of your deposit.
CUT-OFF TIMES SCHEDULE
On the next page is a schedule of our cut-off times, which are Eastern Standard Time or Eastern Daylight Time when applicable. We
reserve the right to change the cut-off times set forth in the schedule upon notice to you. The availability of the funds is subject to our
“Funds Availability Policy.”

Impact To Your Balance for End Funds Available for
Transaction Type Cut-Off Time Transaction Timing Pending/PreAuthorization
of Day Processing Withdrawal
DEPOSITS
Within 2 hours of Available to pay transactions in

Before 6 PM on Business Day Next Business Day
submitting deposit Next Business Day’s Processing
Moblie Deposit 6:00 PM
After 6 PM on Business Day Available to pay transaction in
Next Business Day 2nd Business Day
(or Any Time on Non-Business Day) 2nd Business Day’s processing
Available to pay transactions in

Before 6 PM on Business Day Immediately Next Business Day
Traditional ATM Deposit Next Business Day’s Processing
(Envelope Cash and 6:00 PM
/or Envelope Checks) After 6 PM on Business Day Available to pay transaction in
Immediately 2nd Business Day

Before 6 PM on Business Day Immediately Next Business Day
Next Business Day’s Processing
Smart ATM Deposit
6:00 PM
(Check Deposits)
After 6 PM on Business Day Available to pay transaction in
Immediately 2nd Business Day

Before 10 PM on Business Day Immediately Immediately
That Night’s Processing
Smart ATM Deposit
10:00 PM
(Cash Deposits)
After 10 PM on Business Day Available to pay transactions in
Immediately Immediately
(or Any Time on Non-Business Day) Next Business Day’s Processing

That Night’s Processing
FNB Xpress
7:00 PM
Deposit
(or Any Time on Non-Business Day) Next Business Day’s Processing
TRANSFERS

ATM Transfers and That Night’s processing
ATM Transfers 6:00 PM
with Teller Chat (ITMs) After 6 PM on Business Day Available to pay transactions in
(or Any Time on Non-Business Day) Next Business Day’s processing

Online, Mobile and That Night’s processing
Telephone Banking 10:00 PM
(IVR) Transfers After 10 PM on Business Day Available to pay transactions in

Before 6 PM on Business Day Typically Within Minutes Typically Within Minutes
That Night’s processing
Zelle® Instant Payments 6:00 PM
Typically Within Minutes Typically Within Minutes
CARD TRANSACTIONS
Decreases Available Balance

Before 6 PM on Business Day Immediately N/A
ATM/Debit Card for That Night’s processing
(Cash Withdrawal 6:00 PM
Purchase w/PIN) Decreases Available Balance
After 6 PM on Business Day
Immediately up until That Night’s processing N/A
(or Any Time on Non-Business Day)
or Next Day’s processing
Decreases Available Balance

Before 6 PM on Business Day Immediately N/A
for That Night’s processing
Debit Card Purchase
6:00 PM Decreases Available Balance
(w/Signature)
After 6 PM on Business Day up until That Night’s processing
Immediately N/A
(or Any Time on Non-Business Day) or Next Day’s processing
(if Non-Business Day)

WITHDRAWALS
You may withdraw money from your Account as permitted by your Account type. We reserve the right to require at least 7 days prior
written notice from you before you may withdraw money from a savings, negotiable order of withdrawal (NOW), or money market
account. For withdrawals by check, your check must be properly completed and signed by you or an Authorized Signer or a Signer on
your Account. If your Account is a joint account or if there are multiple Signers on your Account, we may honor a check that is signed by
any joint Owner or Signer. Upon the earlier of either: (1) a transaction being presented by electronic or other means; or (2) us receiving
notification that a check drawn on your Account was deposited for collection by another bank, we will debit your Account. It is at our
sole discretion not to permit a withdrawal if you do not have sufficient available funds. Please see the “Overdraft” section for more
information on when your Account does not have sufficient funds.
You are permitted to make no more than 6 transfers and withdrawals, or a combination of transfers and withdrawals, per calendar month
for savings accounts or per statement cycle for money market accounts, including transfers to another Account with us or to another
bank by means of Mobile Banking, Online Banking, preauthorized telephone or automatic transfer, or by check, draft, debit card or similar
order made by the depositor and payable to third parties. If you have more than 6 transfers or withdrawals per calendar month, you may
be charged an Excess Transfer Fee (see the Fee Schedule). You can make unlimited deposits and withdrawals at a branch or ATM.
POSTING ORDER
Your Available Balance:
Your Available Balance is the amount of money you have in your Account that is available for you to use. Your Ledger Balance is
your balance after all transactions are deposited to or paid from your Account. We use your Available Balance to authorize your
transactions during the day (for example, debit card purchases and ATM withdrawals). You can obtain your Available Balance at any ATM,
through Mobile Banking or Online Banking, or you may contact a branch or our Customer Service Center for your Available Balance. If
you use Mobile Banking or Online Banking, please use your Available Balance, not your Ledger Balance, when determining the amount of
money you have available to use.
IMPORTANT NOTE: Your Available Balance does not reflect every transaction you have initiated or previously authorized. For
example, your Available Balance may not include the following:
• Outstanding checks and authorized automatic withdrawals (such as recurring debit card transactions, transfers,
and ACH transactions that we have not received for payment or have not received in time for our nightly
processing to include in your Available Balance).
• The Settlement amount of your Preauthorization (as defined in the “Posting Order” section).
• Debit card transactions that were Preauthorized, but the Preauthorization has been removed and the transaction
has not yet Settled.
Important terms related to Posting Order:
Any transaction that we receive as Posted, Pending or Pre-Authorized to your Account will affect your Available Balance. We are not liable
to you for damages you may incur if any transaction is not paid because of our Posting Order. For you to understand how withdrawals
affect your Account, it is important for you to know the difference between these terms:

• Post/Posted – Transactions that are paid and these funds are no longer available to you. Posted transactions will decrease
both your Available Balance and your Ledger Balance.
• Pending – Credit and debit transactions that we receive notice of and are scheduled to Post to your Account. Pending
transactions affect your Available Balance, but not your Ledger Balance.
• Preauthorization and Settlement – When you use your debit card to make a purchase without entering your PIN, the
transaction is completed in a two-step process. This two-step process consists of the Merchant’s Preauthorization of the
transaction amount and Settlement of the transaction amount, which is final payment of the transaction. The Settlement
amount may be the same or could be different than the Preauthorization amount. The timing of this two-step process is
controlled solely by the Merchant, and may take several days for the Merchant to complete. Preauthorizations will decrease
your Available Balance, but not your Ledger Balance. When Settlements are Posted they will decrease both your Available
Balance and your Ledger Balance.
Deposits and Credits:
Money deposited or credited into your Account may not be immediately available under our “Funds Availability Policy” (see our “Funds
Availability Policy”) or depending upon when and how you made the deposit (see “Deposits,” “Cut-Off Times Schedule”). If your Available
Balance is enough to cover some, but not all of your transactions that reduce your Available Balance, we will exercise our sole discretion
in paying some, but not all of the transactions, and we will pay any transactions in accordance with our Posting Order stated above.
Pending ATM and Debit Card Transactions:
Pending ATM and debit card transactions decrease your Available Balance in the order of the date and time we receive notice of them.
Because each Merchant’s processing times vary, the time we receive a Pending ATM or debit card transaction may be later than the time
shown on the receipt you receive from the Merchant. In addition, we receive Pending ATM and debit card transactions throughout the
day, and not necessarily in the order in which they occur. If multiple ATM and debit card transactions are Pending at the same time, or are
grouped together and contain no time stamp or some other way to determine the order sequence, then these items will be processed
together in the order of highest to lowest dollar amount.
Debit Card Preauthorizations and Potential Fees:
Debit card Preauthorizations decrease your Available Balance as described in our Posting Order. For purposes of this section, this
debit card Preauthorization transaction will be referred to as “Your Purchase.” If Your Purchase decreases your Available Balance and a
subsequent transaction overdraws your Account, you will be charged an Overdraft or Returned Item fee(s) for that transaction. When
Your Purchase Settles and Posts to your Account at a later point in time, you may also be charged a separate Overdraft or Returned Item
fee for Your Purchase if your Available Balance at the time of Settlement is insufficient.
Our reliance on Pending or Preauthorized electronic debits:
We may conclusively rely on Pending and Preauthorized electronic debits to determine your Available Balance even if the Pending or
Preauthorized electronic debit incorrectly describes the transaction or does not later Post to your Account. In many cases, using a debit
card to book a hotel room or rental car is discouraged due to the potentially large holds placed on your account with this transaction –
even if you do not use your debit card to pay for the purchase. This could result in you being charged an Overdraft or Returned Item fee,
or cause transactions to be declined or checks to be returned, if your Available Balance is not sufficient to pay them.

How we process (post) transactions to your Consumer Account:
We process transactions each Business Day during our end of day processing. Once we process your transactions, the results are Posted
to your Consumer Account. There are four key steps to this process. The most common types of transactions are processed as described
below.
STEP 1: We determine your available balance for paying transactions during end of day processing:
• We start with the ending Ledger Balance from our prior Business Day’s end of day processing.
• We subtract from this the amount of any deposits that are not available to you under our “Funds Availability Policy” and
any amounts that are not available to you due to “Legal Proceedings” (see our “Funds Availability Policy” and “Legal
Proceedings” sections for more detail).
• We subtract from or add to this amount, as appropriate, Preauthorized transactions that have not settled, and settled
transactions scheduled to Post the following Business Day (see our “Cut-Off Times Schedule” for more details).
STEP 2: Generally, we sort your transactions into categories before we process them in the following order:
• We add all credits and deposits to your Account minus any holds for this Business Day (see our “Funds Availability Policy”
and “Legal Proceedings” sections for more detail).
• We subtract Returned Item, Overdraft and Stop Item Charge fees.
• We subtract from your Account outgoing wire transfers and Mobile Banking and Online Banking transfers from highest to
lowest dollar amount.
• We process Pending withdrawals/payments that cannot be returned unpaid, such as debit card transactions and ATM
withdrawals. We will generally sort and pay them based on the date and time we receive the final payment. Multiple
transactions received with the same date and time will be sorted and paid from highest to lowest dollar amount.
• We then use your remaining funds to pay transactions such as Posted checks, ACH payments, and Online bill payments, in
the order of highest to lowest dollar amount.
• We then use your remaining funds to pay for service charges and fees.
IMPORTANT NOTE: This step describes the most common types of transactions that may occur on your Consumer Account, but
does not describe every type of transaction that could occur.
STEP 3: If the Available Balance in your Consumer Account is not enough to pay for all your transactions, we will take the following steps:
• First use Overdraft Protection (if available). We will transfer or advance available funds from a checking or savings account
or a line of credit you have linked to your Account for Overdraft Protection. See the “Overdraft” section for more detail.
• Then, we decide whether to pay your transaction into Overdraft or return it unpaid: At our discretion, we may pay a check
or automatic payment into Overdraft, rather than returning it unpaid. This is our standard overdraft coverage. If we pay the
transaction into Overdraft, it may help you avoid additional fees that may be assessed by the Merchant. Debit card
transactions presented to us for payment will be paid into Overdraft and will not be returned unpaid, even if you do not have
sufficient funds in your Account. See the “Overdraft” section for more detail.
STEP 4: Finally, we assess any Overdraft Protection Fee or Continuous Overdraft Fee, as applicable, to your Account. See the Fee Schedule
for the amounts of these fees.

Consumer Account Posting Order Examples:
Example 1 – When you have a sufficient Available Balance to pay for transactions:
On Thursday morning, your Available Balance is $1,000. You start your day off by purchasing coffee at 7:15 AM ($5) and then you visit
the ATM to withdraw cash ($10) at 7:45 AM. Throughout the morning you run errands and make purchases using your debit card at a
department store ($75), a home improvement store ($125) and a hardware store ($15). You also make a second stop at the ATM at 1:00
PM and withdraw additional cash ($100). You remember that you have a check from your mother ($500), who is also a FNB customer,
that you deposit at an FNB branch at 3:00 PM. In addition to these transactions, two other items will Post to your Account today: check
# 234 ($200), which was received by us Wednesday night after banking hours, and your previously scheduled automated monthly car
payment ($275).
The charts below compare the order of these credits and debits in real time and under our Posting Order and how each of them will
affect your Available Balance, which is now $695, under our Posting Order.
Order in which transactions were completed by the customer Order in which transactions were completed by the customer
Time Customer Pending Transaction Checkbook Transaction Checkbook
Date Customer Transactions Date Pending Time Customer Transactions
Transacted Time Amount Balance Amount Balance
2-22 12:00 Midnight Beginning Balance $ 1,000.00 2-22 Beginning Balance $ 1,000.00
2-22 7:00 PM N/A Check #234 $ (200.00) $ 800.00 2-22 3:00 PM Total Deposits $ 500.00 $ 1,500.00
2-23 Prescheduled N/A ACH Car Payment $ (275.00) $ 525.00 2-23 7:16 AM Debit Card Purchase - $ (5.00) $ 1,495.00
Coffee Shop
Debit Card Purchase -
2-23 7:15 AM 7:16 AM Coffee Shop $ (5.00) $ 520.00
2-23 7:45 AM ATM Withdrawal $ (10.00) $ 1,485.00
2-23 7:45 AM 7:45 AM ATM Withdrawal $ (10.00) $ 510.00 Debit Card Purchase -
2-23 12:00 Noon Home Improvement Store $ (125.00) $ 1,360.00
2-23 10:00 AM 12:00 Noon Dept Store $ (75.00) $ 435.00 Debit Card Purchase -
2-23 12:00 Noon Dept Store $ (75.00) $ 1,285.00
2-23 10:25 AM 12:00 Noon Debit Card Purchase - $ (125.00) $ 310.00

Home Improvement Store Debit Card Purchase -
2-23 12:00 Noon Hardware Store $ (15.00) $ 1,270.00
2-23 11:00 AM 12:00 Noon Hardware Store $ (15.00) $ 295.00 2-23 1:00 PM ATM Withdrawal $ (100.00) $ 1,170.00
2-23 1:00 PM 1:00 PM ATM Withdrawal $ (100.00) $ 195.00 2-23 N/A ACH Car Payment $ (275.00) $ 895.00
2-23 3:00 PM 3:00 PM Deposit $ 500.00 $ 695.00 2-23 N/A Check #234 $ (200.00) $ 695.00
2-23 3:00 PM Ending Balance $ 695.00 2-23 Ending Balance $ 695.00
Example 2 – When you do not have a sufficient Available Balance to pay for transactions and as a result you are assessed an Overdraft
fee:
On Thursday morning, your Available Balance is $250. You start your day off by purchasing coffee at 7:15 AM ($5) and then you visit
department store ($75), a home improvement store ($125) and a hardware store ($15). You remember that you have a check from your
mother ($500), who is also a FNB customer, that you deposit at a FNB branch at 3:00 PM. In addition to these transactions, three other
items will Post to your Account today: check # 234 ($200), which was received by us Wednesday night after banking hours, check # 235
($100) that Posted to your Account at 1:00 PM and your previously scheduled automated monthly car payment ($275).
In this example, your Available Balance is negative $55, under our Posting Order. You will be charged one Overdraft fee for check #235.

Time Customer Pending Transaction Checkbook Transaction Checkbook
2-22 12:00 Midnight Beginning Balance $ 250.00 2-22 Beginning Balance $ 250.00
2-22 7:00 PM N/A Check #234 $ (200.00) $ 50.00 2-22 3:00 PM Total Deposits $ 500.00 $ 1,500.00
2-23 Prescheduled N/A ACH Car Payment $ (275.00) $ (225.00) 2-23 7:16 AM Debit Card Purchase - $ (5.00) $ 1,495.00
Coffee Shop
2-23 7:15 AM 7:16 AM Coffee Shop $ (5.00) $ (230.00)
2-23 7:45 AM ATM Withdrawal $ (10.00) $ 1,485.00
2-23 7:45 AM 7:45 AM ATM Withdrawal $ (10.00) $ (240.00) Debit Card Purchase -
2-23 12:00 Noon Home Improvement Store $ (125.00) $ 1,360.00
2-23 10:00 AM 12:00 Noon Dept Store $ (75.00) $ (315.00) Debit Card Purchase -
2-23 12:00 Noon Dept Store $ (75.00) $ 1,285.00
2-23 10:25 AM 12:00 Noon Debit Card Purchase - $ (125.00) $ (440.00)

Home Improvement Store 2-23 12:00 Noon Debit Card Purchase - $ (15.00) $ 1,270.00
Hardware Store
2-23 11:00 AM 12:00 Noon Hardware Store $ (15.00) $ (455.00) 2-23 N/A ACH Car Payment $ (275.00) $ 1,170.00
2-23 1:00 PM 1:00 PM Check #235 $ (100.00) $ (555.00) 2-23 N/A Check #234 $ (200.00) $ 895.00
2-23 3:00 PM 3:00 PM Deposit $ 500.00 $ (55.00) 2-23 N/A Check #235** $ (100.00) $ 695.00
2-23 3:00 PM Ending Balance $ (55.00) 2-23 Ending Balance $ 695.00
**This transaction may be paid into Overdraft or Returned and you will be charged an Overdraft or Returned Item
Fee on 2-24-17.
Preauthorization Examples:
Example 3 – When a Preauthorization reduces your Available Balance, but you have sufficient funds to pay your transactions:
On Thursday morning, your Available Balance is $1,000. You start your day off by purchasing coffee at 7:15 AM ($5) and then you visit
that you deposit at a FNB branch at 3:00 PM. Your last errand is to rent a car and your debit card is Preauthorized for this rental ($250).
Later, you go out to dinner and your server Preauthorizes your debit card ($75). In addition to these transactions, two other items will
Post to your Account today: check # 234 ($200), which was received by us Wednesday night after banking hours, and your previously
scheduled automated monthly car payment ($275).
Your two Preauthorizations of $250 and $75 are combined below in the Available Balance calculation as $325 in “Aggregated
Authorization Holds.” Your Available Balance is $370 under our Posting Order.
Time Customer Pending Transaction Checkbook Transaction Available Ledger Balance
2-22 12:00 Midnight Beginning Balance $ 1,000.00 2-22 Beginning Balance $ 1,000.00 $ 1,000.00
2-22 7:00 PM N/A Check #234 $ (200.00) $ 800.00 2-22 3:00 PM Total Deposits $ 500.00 $ 1,500.00 $ 1,500.00
2-23 Prescheduled N/A ACH Car Payment $ (275.00) $ 525.00 Aggregated Authorization Holds $
2-23 N/A for the Business Day* (325.00) $ 1,175.00 $ 1,500.00
2-23 7:15 AM 7:16 AM Coffee Shop $ (5.00) $ 520.00
2-23 7:16 AM Coffee Shop $ (5.00) $ 1,170.00 $ 1,495.00
2-23 7:45 AM 7:45 AM ATM Withdrawal $ (10.00) $ 510.00
2-23 7:45 AM ATM Withdrawal $ (10.00) $ 1,160.00 $ 1,485.00
2-23 10:00 AM 12:00 Noon Dept Store $ (75.00) $ 435.00
2-23 12:00 Noon Home Improvement Store $ (125.00) $ 1,035.00 $ 1,360.00
2-23 10:25 AM 12:00 Noon Debit Card Purchase - $ (125.00) $ 310.00
2-23 12:00 Noon $ (75.00) $ 960.00 $ 1,285.00
Dept Store
2-23 11:00 AM 12:00 Noon Hardware Store $ (15.00) $ 295.00 Debit Card Purchase -
2-23 12:00 Noon Hardware Store $ (15.00) $ 945.00 $ 1,270.00
2-23 1:00 PM 1:00 PM ATM Withdrawal $ (100.00) $ 195.00
2-23 1:00 PM ATM Withdrawal $ (100.00) $ 845.00 $ 1,170.00
2-23 3:00 PM 3:00 PM Deposit - Cash $ 500.00 $ 695.00
2-23 N/A ACH Car Payment $ (275.00) $ 570.00 $ 895.00
2-23 4:30 PM N/A Car Rental - Authorization Hold $ (250.00) $ 445.00 2-23 N/A Check #234 $ (200.00) $ 370.00 $ 695.00
2-23 6:00 PM N/A Debit Card Restaurant - $ (75.00) $ 370.00 2-23 Ending Balance $ 370.00 $ 695.00
Autho rization Hold
*These funds were subtracted from the available balance because they were authorized, but have not yet settled
2-23 6:00 PM Ending Balance $ 370.00
to the account.

Example 4 – When a Preauthorization and its Settlement decreases your Available Balance so that you do not have sufficient funds to pay
your transactions:
On Thursday morning, your Available Balance is $350.00. You start your day off by purchasing coffee at 7:15 AM ($5) and then you visit
that you deposit at a FNB branch at 3:00 PM. Your last errand is to rent a car and your debit card is Preauthorized for this rental ($250).
Later, you go out to dinner and your server Preauthorizes your debit card ($75). In addition to these transactions, two other items Post to
your Account today: check # 234 ($200), which was received by us Wednesday night after banking hours, and your previously scheduled
automated monthly car payment ($275).
At the end of Day One, your Available Balance, which includes $325 in Preauthorizations called “Aggregated Authorization Holds” is
negative $280 and your Ledger Balance is $45 under our Posting Order. In this example, you will be charged two Overdraft fees: one for
the ACH car payment and another for check #234.
Day One
2-22 12:00 Midnight Beginning Balance $ 350.00 2-22 Beginning Balance $ 350.00 $ 350.00
2-22 7:00 PM N/A Check #234 $ (200.00) $ 150.00 2-22 3:00 PM Total Deposits $ 500.00 $ 850.00 $ 850.00
2-23 Prescheduled N/A ACH Car Payment $ (275.00) $ (125.00) Aggregated Authorization Holds
2-23 N/A for the Business Day* $ (325.00) $ 525.00 $ 850.00
2-23 7:15 AM 7:16 AM Coffee Shop $ (5.00) $ (130.00)
2-23 7:16 AM Coffee Shop $ (5.00) $ 520.00 $ 845.00
2-23 7:45 AM 7:45 AM ATM Withdrawal $ (10.00) $ (140.00)
2-23 7:45 AM ATM Withdrawal $ (10.00) $ 510.00 $ 835.00
2-23 10:00 AM 12:00 Noon Dept Store $ (75.00) $ (215.00)
2-23 12:00 Noon Home Improvement Store $ (125.00) $ 385.00 $ 710.00
2-23 10:25 AM 12:00 Noon Debit Card Purchase - $ (125.00) $ (340.00)
2-23 12:00 Noon $ (75.00) $ 310.00 $ 635.00
Dept Store
2-23 11:00 AM 12:00 Noon Hardware Store $ (15.00) $ (355.00) Debit Card Purchase -
2-23 12:00 Noon Hardware Store $ (15.00) $ 295.00 $ 620.00
2-23 1:00 PM 1:00 PM ATM Withdrawal $ (100.00) $ (455.00)
2-23 1:00 PM ATM Withdrawal $ (100.00) $ 195.00 $ 520.00
2-23 3:00 PM 3:00 PM Deposit - Cash $ 500.00 $ 45.00
2-23 N/A ACH Car Payment** $ (275.00) $ (80.00) $ 245.00
2-23 4:30 PM N/A Car Rental - Authorization Hold $ (250.00) $ (205.00) 2-23 N/A Check #234** $ (200.00) $ (280.00) $ 45.00
Debit Card Restaurant - 2-23 Ending Balance $ (280.00) $ 45.00

2-23 6:00 PM N/A Autho rization Hold $ (75.00) $ (280.00)
2-23 6:00 PM Ending Balance $ (280.00)
to the account.
Fee on 2-24-17.
On Friday morning, your Available and Ledger Balances start at $45. Please note that the Preauthorizations for the car rental and
restaurant purchases totaling $325 are not yet reflected in your Available Balance. The Preauthorization for the car rental will remain
on your Account and reduce it by $250. At 9:00 AM, you make a cash deposit at an ATM ($375). You purchase coffee at 9:30 AM ($5).
You also go to your cable provider’s place of business and use your debit card to pay your bill at 11:45 AM ($115). In addition to these
transactions, your Available Balance is decreased by the following: the Preauthorization for the car rental ($250) remains on your Account
and has not Settled, you are assessed the two Overdraft fees (for the ACH car payment and check #234 that made your Account negative
the prior day) and your Preauthorized restaurant purchase ($75) Posts to your Account as $80 because you added a tip when you paid for
your meal.
At the end of Day Two, your Available Balance is negative $30 under our Posting Order. In this example, you will be charged one Overdraft
fee for your restaurant transaction.

Day Two
Transacted Time Amount Balance* Amount Balance
2-23 12:00 Midnight Beginning Balance $ (354.00) 2-23 Beginning Balance $ 45.00 $ 45.00
2-24 9:07 AM 9:07 AM Deposit - Cash $ 375.00 $ 21.00 2-24 Car Rental Authorization Hold* $ (250.00) $ (205.00) $ 45.00
2-24 9:30 AM 9:30 AM Debit Card Purchase - $ (5.00) $ 16.00
Coffee Shop 2-24 9:07 AM Deposit $ 375.00 $ 170.00 $ 420.00
2-24 11:45 AM 11:45 AM Cable Bill Charged to $ (115.00) $ (99.00)
Debit Card 2-24 Overdraft Fees*** $ (74.00) $ 96.00 $ 346.00
2-24 6:00 PM Ending Balance $ (99.00) Debit Card Purchase -

2-24 9:30 AM $ (5.00) $ 165.00 $ 341.00
Coffee Shop
*Ledger Balance ($45) minus Preauthorizations ($325) minus Overdraft. 2-24 11:45 AM
Cable Bill Charged to
$ (115.00) $ 50.00 $ 226.00
Debit Card
2-24 1:00 PM Restaurant transaction $ (80.00) $ (30.00) $ 146.00

from 2-23 Posted**
2-24 Ending Balance $ (30.00) $ 146.00
to the account.
Fee on 2-24-17.
***From the two overdraft transaction that were paid on Day One.
How we process (post) transactions to your Business Account:
Using your Ledger Balance, we process transactions each Business Day during our end of day processing. Once we process your
transactions, the results are posted to your Business Account in the following order:
STEP 1 – We add all credits and deposits to your Business Account minus any holds for this Business Day (see our “Funds Availability
Policy” and “Legal Proceedings” section for more detail).
STEP 2 – Subtract from or add to this amount, as appropriate, Preauthorized or Pending transactions that have not settled or settled
transactions scheduled to Post the following Business Day. Please see our “Cut-Off Time Schedule”.
STEP 3 – Generally, we subtract from your balance the following transactions in the order stated below:
• Miscellaneous debits (internal debits, including certain automatic transfers);

• Stop Item Charges, Overdraft, Returned Item Fees;
• Return Deposit or Cash Item fees;
• Online Banking, Mobile Banking, and wire transfers;
• Foreign ATM Fees;
• Checks, ATM withdrawals, Posted point-of sale transactions and ACH withdrawals in the order of highest to lowest dollar amount;
• Money Market withdrawals;
• Wire transfer fees;
• Account closing withdrawals;
• Service charges;
• Loan payments;
• Overdraft Protection Fees;
• Continuous Overdraft Fees; and
• Certain other automatic transfers.
IMPORTANT NOTE: This step describes the most common types of transactions that may occur on your Business Account, but
does not describe every type of transaction that could occur.

Business Account Posting Order Example:
Your Account’s Available Balance is $350. You start your day off by purchasing paint ($8) at 7:15 AM and then visit the ATM to withdraw
cash ($10) at 7:45 AM. Throughout the morning you run errands and make purchases using your debit card at a garden supply store
($75), a home improvement store ($125) and a hardware store ($15). You also make a second stop at the ATM at 1:00 PM and withdraw
additional cash ($100). You receive payment from a customer in cash ($750) and you deposit this amount at a FNB branch at 3:00 PM.
Your last errand is to rent a car and your debit card is Preauthorized for this rental ($250). Later, you go out to dinner and your server
preauthorizes your debit card ($75).
At the end of the day, your Available Balance is negative $33. You will be assessed three Overdraft fees for the hardware store ($15) and
paint store ($8) purchases and the ATM withdrawal ($10).
2-22 12:00 Midnight Beginning Balance $ 350.00 2-22 Beginning Balance $ 350.00 $ 350.00
2-22 7:00 PM N/A Check #234 $ (200.00) $ 150.00 2-22 3:00 PM Total Deposits $ 750.00 $ 1,100.00 $ 1,100.00
2-23 Prescheduled N/A ACH Lease Payment $ (275.00) $ (125.00) Aggregated Authorization Holds
2-23 N/A for the Business Day* $ (325.00) $ 775.00 $ 1,100.00
2-23 7:15 AM 7:16 AM Paint Shop $ (8.00) $ (133.00)
2-23 N/A ACH Lease Payment $ (275.00) $ 500.00 $ 825.00
2-23 7:45 AM 7:45 AM ATM Withdrawal $ (10.00) $ (143.00)
2-23 N/A Check #234 $ (200.00) $ 300.00 $ 625.00
2-23 10:00 AM 12:00 Noon Garden Supply Store $ (75.00) $ (218.00) Debit Card Purchase -
2-23 12:00 Noon Home Improvement Store $ (125.00) $ 175.00 $ 500.00
2-23 10:25 AM 12:00 Noon Debit Card Purchase - $ (125.00) $ (343.00) 2-23 1:00 PM ATM Withdrawal $ (100.00) $ 75.00 $ 400.00
Home Improvement Store
Debit Card Purchase - 2-23 12:00 Noon Garden Supply Store $ (75.00) $ - $ 325.00
2-23 11:00 AM 12:00 Noon Hardware Store $ (15.00) $ (358.00)
2-23 12:00 Noon Debit Card Purchase - $ (15.00) $ (15.00) $ 310.00

2-23 1:00 PM 1:00 PM ATM Withdrawal $ (100.00) $ (458.00) Hardware Store**
2-23 3:00 PM 3:00 PM Deposit - Cash $ 750.00 $ 292.00 2-23 7:45 AM ATM Withdrawal** $ (10.00) $ (25.00) $ 300.00

2-23 4:30 PM N/A Car Rental - Authorization Hold $ (250.00) $ 42.00 2-23 7:16 AM Paint Store** $ (8.00) $ (33.00) $ 292.00
Debit Card Restaurant - 2-23 Ending Balance $ (33.00) $ 695.00

2-23 6:00 PM N/A Autho rization Hold $ (75.00) $ (33.00)
2-23 6:00 PM Ending Balance $ (33.00)
to the account.
Fee on 2-24-17.
OVERDRAFTS AND RETURNED ITEMS
The best way to avoid Overdrafts and transactions being returned unpaid is to:
1. Know your Available Balance.

2. Consider each debit card transaction, written check, or payment initiated as reducing your Available Balance immediately.
3. Use the alerts available to you through Mobile Banking and Online Banking.
If your Available Balance in your Account is not sufficient to pay all of your transactions, then we will take these steps:
1. Overdraft Protection – We will first use any Overdraft Protection you may have for your Account in the order it was
established by you. Overdraft Protection includes transferring available funds from another checking, savings, or line of
credit account that you own and that is linked to this Account. Each time funds are transferred from a linked account or
credit line, the transfer will be in the amount of $100 (or your Available Balance in that account if less than $100) and you
will be charged an Overdraft Protection Fee. An Overdraft Protection Fee may be assessed even if the transferred funds are
not sufficient to cover the transactions presented on your Account. You may also be charged an Overdraft or Return Item
Fee for transactions that are not covered by the transferred funds. Please see the Fee Schedule for the amount of the fees.
For more information on Overdraft Protection and how you may sign up for it, please speak to a branch representative or call
the Customer Service Center.

2. Overdraw Your Account or Return the Transaction - If you do not have Overdraft Protection on your Account or there are no
available funds to transfer, then we will decide whether to pay the transaction into Overdraft or Return the transaction as
unpaid. We have the right to determine whether we will pay or return a transaction unpaid; this decision is at our sole
discretion. An Overdraft occurs when your Available Balance is not sufficient to pay for a transaction scheduled to post to
your Account, but at our discretion we decide to pay it. A transaction is Returned when your Available Balance is not
sufficient to pay for the transaction on your Account, and we decide to return the transaction as unpaid. In either situation,
you will be assessed a fee (see the Fee Schedule).
Please refer to the “Withdrawals” and “Posting Order” sections of the Agreement to review how you can calculate your Available Balance.
You can also access your Available Balance by calling the Customer Service Center or any FNB branch, or by using Mobile Banking, Online
Banking or an ATM.
Overdraft Services provided with your Account:
We may, at our sole discretion, pay checks or automatic payments, such as recurring ACH payments, into Overdraft rather than returning
the transaction. The decision to pay these transactions into Overdraft is discretionary and we reserve the right not to pay. You may
remove Overdraft Services from your Account by contacting your branch or calling the Customer Service Center. If you remove Overdraft
Services from your Account for checks or automatic payments, we will not pay these transactions into Overdraft. Instead they will be
returned, and you will be charged a Returned Item Fee.
Optional Overdraft Services available on Consumer Accounts for ATM or debit card transactions:
There are optional Overdraft Services available for your ATM or debit cards for Consumer Accounts, when used for ATM transactions or
everyday (one-time) debit card purchases. You must sign up to receive this optional Overdraft Service for your ATM or debit cards if you
have a Consumer Account. Business Accounts are provided this Overdraft Service automatically.
• If you add this service and you have insufficient funds in your Consumer Account, or in your Overdraft Protection linked
accounts, we may approve these transactions into Overdraft and allow you to conduct your ATM withdrawal or everyday
debit card transaction. If you do not then make a deposit or a transfer available funds before the posted cut-off time to add
sufficient funds to your Consumer Account, you may be assessed an Overdraft Fee. See the “Cut-Off Times Schedule.”
• If you do not add this service and you do not have sufficient funds in your Consumer Account or in your accounts linked for
Overdraft Protection, generally we will decline your ATM withdrawal or your everyday debit card transaction. However, if an
ATM or everyday debit card transaction Settles when you do not have sufficient funds in your Consumer Account, you will
not be charged an Overdraft Fee.
Overdraft, Returned Item and Continuous Overdraft Fees:
If we choose to pay a transaction as an Overdraft on your Account, you will be assessed an Overdraft Fee for each transaction that overdraws your
Account. If we choose to return a transaction, then you will be assessed a Returned Item Fee for each item that is returned. The amount of each of
these fees is stated in the Fee Schedule. Overdraft Fees and Returned Item Fees are deducted from your Account during the morning of the next
Business Day following our nightly processing. If applicable, your Fee Schedule will state the maximum number of these types of fees you may be
assessed per day. If your account balance remains negative for a certain period of time, due to an Overdraft or a Returned Item, you will be assessed
a Continuous Overdraft Fee every certain number of Business Days. The Fee Schedule states the amount of this Continuous Overdraft Fee and
how often it is assessed. To avoid being charged a Continuous Overdraft Fee, you should bring your Available Balance in your Account to a positive
balance as soon as possible after it becomes negative. For examples of these fees being assessed to your Account, please see the examples in the
“Posting Order” section of the Agreement.

IMPORTANT INFORMATION ABOUT FEES: Fees may be assessed with each transaction paid into Overdraft or Returned subject to
the following:
• An Overdraft Protection Fee will be assessed each time funds are transferred from your linked checking, savings, or
line of credit Accounts. An Overdraft Protection Fee may be assessed even if the transferred funds are not sufficient to
cover the transactions presented on your Account. You may also be charged an Overdraft or Return Item Fee for
transactions that are not covered by the transferred funds.
• No Overdraft Fee will be assessed on ATM and everyday debit card transactions on your Consumer Account, unless
you authorized us to enroll your Consumer Account in this Overdraft Service.
• We limit the number of Overdraft, Returned Item, and Continuous Overdraft Fees assessed on Consumer Accounts
per Business Day. Please see the Personal Account Fee Schedule for this limit.
• Any Overdraft, Returned Item and Continuous Overdraft Fees assessed are deducted from your Account during the
next Business Day following our nightly processing.
• If a merchant submits an item for payment multiple times, you will be charged an Overdraft or Returned Item Fee for
each attempt submitted by the merchant if you have insufficient funds in your Account.
If your Account balance remains negative:
It is your responsibility to promptly make your Available Balance positive by paying for any transactions that overdraw your Account plus
any Overdraft, Returned Item, or Continuous Overdraft Fees. If you do not do so, we reserve the right to close your Account. We may also
report you to consumer reporting agencies and initiate collection efforts. You agree to reimburse us for any costs and expenses (including
attorney’s fees and expenses) we incur.
Excessive Usage of Overdrafts:
In the event FNB determines that your use of overdrafts is excessive, we may decline to pay items that will overdraw your account and/
or close your account. FNB pays overdrafts at our sole discretion and notice will not be provided to you in advance if we elect not to pay
your overdrafts. FNB will provide you with prior written notice of your account closure. Educational resources concerning overdrafts can
be found on our website, www.fnb-online.com, in the Knowledge Center.
FEES AND FEE SCHEDULES
Depending on your Account, we may charge you fees based on the type of Account you have or the services we provide related to your
Account. These fees are disclosed to you in your Consumer Account’s Truth-in-Savings Disclosure provided to you at Account opening and
on the Fee Schedule, which may be updated from time-to-time. If you have a Consumer Account, then the Consumer Fee Schedule applies
to your Account. If you have a Business Account, then the Business Fee Schedule applies to your Account. By using your Account, you agree
to pay the fees listed in your applicable Fee Schedule, which will be deducted from your Account without prior notice to you. We will not
be liable to you if the fees charged to your Account decrease your Available Balance and result in subsequent transactions overdrawing
your Account or are not being paid or authorized by us because you do not have sufficient funds. If you do not pay the fees charged to your
Account, we reserve the right to close your Account and refer this amount for collection. If you need a copy of the Fee Schedule, please
contact your branch or the Customer Service Center.

STOP PAYMENT
We are able to stop payment of checks and ACH transactions from your Account if you notify us in a time and manner that allows us a
reasonable opportunity to act on such transactions before we pay, cash or become obligated to pay them. You cannot stop payment on
an Official Check. An Official Check is a check drawn on our account on your behalf. Please see the Fee Schedule for the amount of the
Stop Item Charge that you will be assessed for each stop payment you request. A Stop Item Charge is assessed when you request a stop
payment even if we are unable to stop the payment from being made.
How to request a stop payment:
Any Owner, Signer or Authorized Signer may notify us of a stop payment either orally or in writing on our stop payment form. We
will accept a stop payment request regardless of who wrote the check or authorized the ACH. You must provide us with the following
information for us to stop payment:
• Account number;
• Check number or range of numbers;
• Date and amount of the check/ACH; and
• Name of the payee.
If you want to stop payment on a bill payment that you set up through Online Banking, you must log in and cancel this bill payment yourself.
If it is too late for you to cancel it yourself, you must call us our Customer Services Center at 1-800-555-5455.
How to cancel a stop payment:
Only the Owner, Signer or Authorized Signer on the Account who placed the stop payment may cancel it, and the cancellation request
must be in writing. We must receive your notice to cancel the stop payment in a time and manner that allows us a reasonable
opportunity to act on it.
Length of time for a stop payment:
A written stop payment on a check will remain in effect for 6 months unless a shorter timeframe is requested. A stop payment on a one-
time (single) ACH payment will remain in effect for 6 months unless a specific expiration date is requested. A stop payment on a recurring
ACH payment will remain in effect for 24 months unless a shorter timeframe is requested.
Our liability for stop payments:
We will not be liable for any losses or expenses you may incur if we are not provided notice of a stop payment, or a cancellation of the
stop payment, in a time and manner that allows us a reasonable opportunity to act on it. We will not be liable for payment of a check or
ACH if you do not provide us with the necessary information as described in this section of the Agreement, so that we are able to identify
the payment and stop it. Each stop payment or cancellation is subject to our verification, which may take up to 24 hours to process. If an
oral stop payment expires before we are able to verify your written stop payment confirmation and act on it, we will not be responsible
to you if the check or ACH is paid during this time period. You will remain liable to the payee of the check or ACH on which you stopped
payment.

CLOSING AN ACCOUNT
By You:
You may close your Account if there are no Pending or Preauthorized transactions on your Account. If there are Pending or Preauthorized
transactions, you cannot close your Account until those transactions have Posted unless immediate Account closure is necessary to
prevent additional fraudulent transactions on your Account. You may be charged a fee if you close your Account within six months of
opening it. Please see the Fee Schedule for the amount of this fee. An Account cannot be closed by email communication.
By Us:
We reserve the right to close your Account at any time and for any reason. We will send you a check for your Available Balance to the last
known address we have for you. Notice of account closure sent to one Owner is notice to all Account Owners. We are not liable for any
losses or costs you may incur because we close your Account.
Suspension/Termination of Services:
We reserve the right to suspend or terminate any Account services at any time without prior notice to you. We may do this without
closing your Account. You can discontinue using a service at any time without notice to us.
DORMANT ACCOUNTS AND ABANDONED PROPERTY
Dormant Account:
When there is no activity on your Account or you do not contact us regarding your Account for a period of 24 consecutive months, we will
consider it a Dormant Account. A Dormant Account is charged a monthly fee. You will not receive a monthly statement for your Dormant
Account.
Abandoned Property:
In addition, if there is no activity on your Dormant Account and/or you do not contact us during the applicable time periods provided
under state law, then the funds in your Account will be considered abandoned. The applicable state law is generally the state listed
in your address for your Account. At the end of the applicable time period, abandoned funds will be sent by us to your state and are
no longer held by us in your Account. We have no further liability to you for these funds and you must claim these funds from the
appropriate state agency unless your state provides otherwise.
Activity:
For there to be activity on your Account, you must take action, such as making a deposit or a withdrawal, writing to us about your
Account, or asking us to keep your Account active. Bank charges, interest payments, and automatic deposits and withdrawals are usually
not considered action for the purposes of this section. The amounts of the Abandoned Property Escheat fee and the Dormant Account
Fee are listed in the Fee Schedule.

LIABILITY
Your Liability:
It is important that you keep confidential your Account numbers, debit card PIN(s) and Mobile Banking and Online Banking password(s)
and associated security questions and answers. You should not share this information with anyone. If you choose to share your PIN(s)
or password(s) with any person in any manner, then you have authorized that person to use this information to access your Account
for an unlimited amount and duration of time. When you grant a person access to your Account by PIN(s) or password(s), then you are
responsible for any loss you may incur or any misuse of your Account by that person. By providing your Account information (such as
number, bank routing number or next unused check number) to someone who is selling you goods or services, you authorize that person
to initiate a debit to your Account and we will be authorized to pay any debit that person initiates. You are solely responsible for the
systems, technology and software (for example, your mobile phone or computer) you use to process transactions on your Account. You
are responsible for any losses you may incur resulting from your systems, technology or software’s failure to work with our systems to
process transactions on your Account.
Our Liability:
We are responsible for exercising ordinary care in complying with this Agreement. When a check is processed automatically through
our system, ordinary care does not require us to manually examine the check. Ordinary care requires only that we follow standards that
do not vary unreasonably from the general standards used by other banks that are similar to us. We are only liable to you if we fail to
exercise ordinary care in complying with this Agreement unless provided otherwise in this Agreement. If your account has joint Owners
or two or more Authorized Signer or Signers on the Account, we may act on the oral or written instructions of any one Owner, Authorized
Signer or Signer on the Account. We do not assume a duty to enforce multiple signature requirements that you may agree to among
yourselves. If you indicated on your checks, signature card or other Account documents that one or more signatures is required for
withdrawal, this indication is for your own information and is not binding on us. We may, but are not obligated to, enforce this agreement
you have amongst yourselves. We will not be liable to you for any losses or harm arising out of or resulting from our enforcement or
non-enforcement of multiple signatures on your Account. We are not liable to you if circumstances beyond our control occur and make
it impossible for us to provide services to you or comply with this Agreement. In no event shall we be liable to you for consequential,
indirect, special or punitive damages, or attorney’s fees, unless the laws governing your Account require us to pay them. If we waive a
right with respect to your Account or under this Agreement on one or more occasions, it does not mean that we are obligated to waive
the same right on any other occasion.
RIGHT OF SET OFF AND SECURITY INTEREST
Right of set off:
The right of set off is our right, by law, to withdraw money from your Account if you owe us money individually or together with someone else either
now or in the future. This includes, but is not limited to, Overdrafts, fees, and loan amounts. We may also set off your Account for money that you owe
our affiliates and their successors and assigns. We are not required to give you notice before we set off your Account and our right of set off is automatic
and superior to any other interest a third party or a joint owner may have in your Account. If the debt you owe to us arises out of your Account, we may
set off funds deposited in your Account from any source, which may include, but are not limited to, Federal or state benefits such as Social Security or
veteran’s benefits. If we are required to return any state or Federal benefits, including Social Security, deposited into your Account after you are no longer
eligible to receive them, we will set off this amount against any Accounts you have with us to recover the payments you were not eligible to receive. If
your Account is an unmatured time account or Certificate of Deposit, we may deduct from your Account any early withdrawal fee or penalty that may be
due resulting from our right of set off.

Types of Accounts that may be set off:
We can set off any Account which you own. This includes joint accounts even if the money in the Account belongs to the joint owner.
Our security interest in your Account:
To ensure that you pay us all amounts due under this Agreement and the Fee Schedule (including Overdraft Fees and Returned Item
Fees), you grant us a lien on and a security interest in each Account you maintain with us. By opening and using an Account with us, you
consent to us asserting our security interest in the Account. Our rights under this security interest are in addition to and separate from
any other rights we may have under any other security interest you granted us for your indebtedness to us. You may not grant a security
interest in your Account to anyone other than us without our prior written agreement.
ARBITRATION AND WAIVER OF CLASS ACTION
We (as in you and us) agree that, at the request of either party, any and all claims, disputes or controversies between you and us, and
any claim by either of us against the other (or the employees, officers, directors, agents or assignees of the other) and any claim arising
from or relating to your Account, this Agreement, any other agreements you may enter into with us for services related to your Account,
the transactions on your Account, or any other account you previously, now or may later have with us, this agreement to arbitrate
all disputes, your agreement not to bring, join or participate in any purported class action, or representative proceeding, regarding,
including, but not limited to, collection of sums overdrawn on the Account, alleging fraud or misrepresentation, whether under common
law or pursuant to Federal, state or local statute, regulation or ordinance, including disputes as to the matters subject to arbitration,
or otherwise shall be resolved by binding individual (and not joint) arbitration by the American Arbitration Association (AAA). The
arbitrator(s) will decide if any inconsistency exists between the AAA rules and these arbitration provisions contained herein. If any such
inconsistency exists, the arbitration provisions contained herein will control and supersede the AAA rules.
Except to the extent that Federal law preempts state law, the parties agree that the arbitrator(s) shall give effect to the substantive law
of the state in which the Account is opened, including, but not limited to, conflicts of law provisions, statutes of limitations, and matters
pertaining to the validity of this arbitration clause in determining matters submitted to arbitration under this Agreement; provided,
however, that the Federal Arbitration Act (Title 9 U.S.C.), to the extent inconsistent, will supersede the laws of such state and govern.
This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the
AAA may be obtained and all claims shall be filed at any AAA office at www.adr.org, by telephone at 1-877-495-4185, or at American
Arbitration Association, Case Filing Services, 1101 Lauren Oak Road, Suite 100, Voorhees, New Jersey 08043. Your arbitration fees may be
waived by the AAA in the event you cannot afford to pay them. The cost of any participatory, documentary or telephone hearing, if one
is held at your or our request, will be paid for solely by us as provided in the AAA rules and, if a participatory hearing is requested, it will
take place at a location near your residence. This arbitration agreement is made pursuant to a transaction by the Federal Arbitration Act,
9 USC Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.
TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOU WILL NOT BRING, JOIN OR PARTICIPATE IN ANY PURPORTED CLASS ACTION
OR REPRESENTATIVE PROCEEDING AS TO ANY CLAIM, DISPUTE OR CONTROVERSY YOU MAY HAVE AGAINST US, OUR EMPLOYEES,
OFFICERS, DIRECTORS, SERVICERS, AGENTS AND ASSIGNS. YOU AGREE TO THE ENTRY OF INJUNCTIVE RELIEF TO STOP SUCH A LAWSUIT
OR TO REMOVE YOU AS A PARTICIPANT IN THE SUIT. THIS AGREEMENT DOES NOT CONSTITUTE A WAIVER OF ANY OF YOUR RIGHTS AND
REMEDIES TO PURSUE A CLAIM INDIVIDUALLY, AND NOT AS A CLASS ACTION, IN BINDING ARBITRATION, OR OTHERWISE, AS PROVIDED
ABOVE.

You acknowledge that by submitting to arbitration you are giving up your right to go to court or to assert or defend your rights under this
Agreement (except for matters that may be taken to small claims court). You are aware that your rights will be determined by a neutral
arbitrator(s) and not a judge or jury. An arbitrator’s decision is as enforceable as any court order and is subject to a very limited review by
a court.
LEGAL PROCEEDINGS
Legal Proceedings include a writ of attachment, execution, garnishment, tax withholding order, levy, restraining order, subpoena, warrant,
injunction, government agency request for information, search warrant, forfeiture, or other similar order. We will comply with all Legal
Proceedings served on us and we are not required to contest any Legal Proceeding. We may hold and turn over funds or other property
to the court or creditor as directed by the Legal Proceeding, subject to our right of set off and any security interest we may have in the
funds or other property. We will not be liable to you for any returned checks, other unpaid items, or our refusal to permit withdrawals
from your Account if we are required to hold or turn over funds due to a Legal Proceeding. A fee will be automatically deducted from your
Account, as stated in the Fee Schedule, for our compliance with a Legal Proceeding without prior notice to you. All expenses (including
reasonable attorneys’ fees and court costs) incurred by us in complying with a Legal Proceeding or from a dispute arising out of a Legal
Proceeding related to your Account may be charged to your Account or billed to you separately. We have no liability to you for complying
with a Legal Proceeding as provided for in this Agreement or by law.
LEGAL TERMS GOVERNING THIS AGREEMENT
Assignment:
You may not assign this Agreement or transfer any interest you may have in your Account to any third party without our prior consent.
You cannot pledge your Account as collateral for a loan without our prior consent, and even if we do consent your Account remains
subject to our rights under this Agreement and applicable state and Federal law.
Governing Law:
This Agreement is governed by the laws and regulations of the United States. The state law that applies to your Account is the law of the
state you reside in if we have branches located in that state. If we do not have a branch in the state you reside in, then the laws of the
Commonwealth of Pennsylvania (without regard to its choice of law provisions) govern your Account and all transactions conducted on
your Account, including, but not limited to, deposits, withdrawals and transfers, will occur and be processed in the Commonwealth of
Pennsylvania.
Notices:
Any notice you provide us is effective when we actually receive it. Any notice we provide you is effective:
• When we mail it to you at the address in our records for your Account; or
• If you have agreed to receive notices electronically, when we post it to Online Banking.
Severability:
If any term of the Agreement is inconsistent with the laws governing your Account, it will be modified by us and applied in a manner
consistent with such laws. If a court of competent jurisdiction determines any term of the Agreement is invalid, then that term will
be modified as necessary. In either case, the modifications will not affect the enforceability or validity of the remaining terms of the
Agreement.

Deposit Reclassification:
We reserve the right to establish on your behalf a master account and two sub-accounts in our internal records. This account processing
does not have any adverse impact on your account balance, statements, interest earned, fees paid, posting order or FDIC deposit
insurance coverage. All information that is made available to you about your Account will be at the master account level. The sub-
accounts will be comprised of a savings account and a transaction account. Both sub-accounts will earn the same rate of interest. At the
beginning of each statement period, we will allocate funds between the two sub-accounts as deemed appropriate. Transactions received
by us that debit your master account will be presented for payment against the transaction sub-account. Funds will be transferred from
the savings sub-account to cover transactions presented against the transaction sub-account as needed. On the sixth transfer from
the savings sub-account during a given statement period, all the funds on deposit in the savings sub-account will be transferred to the
transaction sub-account. We reserve the right to establish or stop deposit reclassification at any time without notice.
SECTION 2 – CONSUMER ACCOUNTS TERMS & CONDITIONS
CONSUMER ACCOUNT OWNERSHIP
Who may conduct transactions on your Consumer Account depends on how the Account is titled and whether you have authorized
anyone to be a Signer on your Account. If the Account is titled in your name, then you are an Owner of the Account and the funds held
in it. A Signer is a person or persons who you allow to conduct transactions on and request information about your Account, but who
does/do not own the money in the Account. Examples of Signers include an agent under a power of attorney, a guardian of your estate
appointed by a court or a custodian or trustee of the Account.
Consumer Account Types:
• Individual – Owned only by one person but may have a Signer on the Account.
• Joint with Rights of Survivorship – Owned by two or more people, but may have a Signer on the Account. Any Consumer
Account opened with more than one Owner is presumed to have rights of survivorship unless applicable state law provides
otherwise. Upon the death of an Owner, his or her interest in the Account automatically passes to the remaining Owner(s).
Any Owner of a joint Account may close it or withdraw or transfer funds from the Account.
• Custodian Account – Funds are owned by an individual who has not yet reached the age of majority (typically under 21 years
old), but only the named custodian on the Account may conduct transactions. This type of Account is subject to laws in your
state governing the Uniform Transfers/Gifts to Minors Act.
• Beneficiary Account – Owned by one or more people, but may have a Signer on the Account, with a named beneficiary or
beneficiaries who will own the funds in the Account upon the death of each Owner. This account is sometimes referred to as
a Payable on Death or a Totten Trust account, depending on your state. Only the Owner(s) and Signers may conduct
transactions on the Account. The Account Beneficiary has no right to any funds in the Account until the Owner(s) are
deceased. An Owner may change or remove a Beneficiary on the Account at any time.
• Trust Account – Owned by a trust, which is created by a written trust agreement. The trustee(s) named in the trust
agreement is/are the Signer(s) on this Account.

Our Responsibilities for Consumer Accounts:
We will only provide information on an Account to an Owner or a Signer, and only an Owner or a Signer may conduct transactions on an
Account. We are not liable to an Owner for the acts or omissions of a Signer, and we have no obligation to ask or investigate whether a
Signer is acting within the scope of their authority. If permitted by law, an Account Owner may terminate a Signer’s authority by providing
us with written notice. We will not be liable for acts or omissions of a Signer whose authority has been terminated and you have not
notified us.
Liability of Joint Owners:
When an Account is owned by two or more people, each Owner is responsible for their own acts and omissions as well as the acts and
omissions of the other Owners. Each Owner is responsible for an Overdraft or a Returned transaction on the Account regardless of who
caused it. Unless prohibited by law, a joint Account may be set off by us or seized, garnished, or levied by a third party regardless of which
Owner’s acts or omissions caused such action to be taken. If your Account is closed due to a negative balance, we may report Account
information about all Owners to consumer reporting agencies.
Changing Account Ownership:
To change the ownership of your Account, a new signature card must be executed. If there is a conflict between Account ownership in our
system and the last signature card on file, the signature card will control and determine ownership of your Account.
POWER OF ATTORNEY
A person you name as your agent under a valid power of attorney (POA) may be added as a Signer on your Account. Before adding an
agent as a Signer on your Account, we may require your agent to sign an affidavit stating that the POA is valid and still in effect. If your
Account is joint with another Owner, we reserve the right to require consent from all joint Owners before your agent is added as a Signer
on the Account. We will rely on the authority granted to your agent until: (i) you notify us in writing that the POA is terminated, (ii) we
receive proper legal notice of your death or (iii) a court appoints a guardian for you. Please refer to “Our Responsibilities for Consumer
Accounts” in the Consumer Accounts Ownership section for additional information.
CONSUMER ACCOUNT ELECTRONIC FUNDS TRANSFERS
This section provides important information concerning Electronic Funds Transfers that you may receive into or authorize from your Consumer
Account now or in the future through services offered by us. An Electronic Funds Transfer (EFT) occurs when a telephone, computer, mobile
device or debit card is used to debit or credit your Consumer Account. Examples of EFTs may include point-of-sale purchases, ATM transactions,
direct deposits or withdrawal of funds, transfers by telephone and debit card transactions. Business Days means Monday through Friday,
excluding Federal holidays. Saturday and Sunday are not Business Days.
EFT types and limitations:
• Account Access: You may use your debit card to:

o Withdraw cash from your checking or savings Account.
o Make deposits to your checking or savings Account.
o Transfer funds between your checking or savings Accounts whenever you request.
o Pay for purchases at places that have agreed to accept your debit card.
o Pay bills directly by telephone, Mobile Banking or Online Banking from your checking or savings Account in the amounts
and on the days you request. Some of these services may not be available on all electronic devices operated by you.

• Electronic Check Conversion: You may authorize a Merchant or other payee to make a one-time electronic payment from
your checking Account using the information on your check to pay for purchases or bills.
• Limitations on frequency of EFT Withdrawals: For your savings account or money market account, you may only have up to
6 EFTs withdrawals per calendar month for these types of accounts.
• Limitations on dollar amounts of EFTs Withdrawals: Unless you have requested and we have agreed to provide custom limits,
you may withdraw up to $510 per day from ATMs using your ATM or debit card. Similarly, unless you have requested, and we
have agreed to provide custom limits, you may buy up to $2,500 worth of goods or services per day using your ATM or debit card.
• Limitations on EFT type: We will not process transactions that we recognize as involving Internet gambling, such as ATM/
debit card, ACH transfer wire transfers or bill payments.
Fees:
All fees applicable to EFTs are listed in the Fee Schedule. When you use an ATM not owned by us, you may be charged a fee by the ATM
operator or its network. You may be also charged a fee for a balance inquiry on an ATM not owed by us, even if you do not complete an
EFT.
Your rights:
You have the right to receive documentation concerning EFTs to and from your Consumer Account.
• Direct Deposits: If you arranged to have direct deposits made to your Consumer Account at least once every 60 days from
the same person or company, we will let you know if the deposit is made. You can call our Customer Service Center at 1-800-
555-5455 to find out whether the deposit was made.
• Periodic Statements: You will get a monthly account statement for your checking Account or line of credit, either in paper form
or electronically if you have enrolled in our Online Statements service. You will get a monthly account statement if you have an
EFT to or from your savings Account. If no EFTs occur in your savings Account, then you will receive a statement quarterly.
• ATM Transfers: You can get a receipt at the time you make any transfer to or from your Consumer Account using one of our ATMs.
• Notice of Varying Amounts: If your preauthorized payments to others vary in amount, the person you are going to pay is
required to tell you 10 days before each payment, when it will be made and how much it will be. You may choose instead to
get this notice from them only when the payment would differ by more than a certain amount from the previous payment or
when the amount would fall outside of certain limits that you set.
You have the right to stop payment on preauthorized transfers:
If you have arranged in advance to make regular EFTs from your Account(s) for money you owe others, you may stop payment of
preauthorized transfers from your Account. You must notify us orally by calling 1-800-555-5455 or by visiting the nearest branch office any
time up to 3 Business Days before the scheduled date of the transfer. We will require written confirmation of an oral stop payment order to
be made within 14 days of the oral notification. The oral stop payment order shall cease to be binding 14 days after it is made if you do not
provide the written confirmation. We may charge you, according to our Consumer Account Fee Schedule, for each stop payment order on EFT
transactions payable to others that you request us to process.
Liability for failure to stop payment of preauthorized transfer:
If you order us to stop an EFT payment to others at least 3 business days or more before the transfer is scheduled to occur, and we do not do
so, we will be liable to you for your actual, proven losses or damages.

Our liability for failure to make transfers:
If we do not complete a preauthorized or telephone transfer on time or in the correct amount according to our agreement with you or
instructions received via our 24-hour telephone banking service, we will be liable for your actual, proven losses or damages. However, there
are some exceptions. We will NOT be liable for instance:
• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would go over the credit limit on your line of credit account, whether or not for Overdraft Protection or as a cash
advance on the line of credit.
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as an act of God, fire or other catastrophe), or by an electronic or computer failure
which prevents the transaction, despite reasonable precautions that we have taken.
• If the funds in your account are subject to legal process or other encumbrances restricting use of the funds for such transfers.
• If incomplete or inaccurate information has been forwarded by the originator.
ACCOUNT INFORMATION DISCLOSURE TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers you make:
• Where it is necessary for completing the transaction.
• To verify the existence and standing of your account with us, or to confirm that sufficient funds are available to cover specific
transactions, upon the request from a third party, such as a credit bureau or merchant.
• To comply with court orders or government administrative agencies, summons, subpoenas, orders of examinations and escheat
reports.
• On receipt of certification from a federal agency or department that a request for information is in compliance with the Right to
Financial Privacy Act of 1978.
• If you give us your written permission.
In case of errors or questions about your EFTs:
Call our Customer Service Center at 1-800-555-5455 or write to us at the address shown on your statement as soon as possible, if you think
your statement or receipt is wrong or if you need more information about an EFT listed on the statement or the receipt. We must hear from
you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
1. Tell us your name and account number.

2. Describe the error or the EFT you are unsure about, and explain as clearly as you can why you believe it is an error or why you
need more information.
3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. We will determine
whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time;
however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Consumer
Account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us
to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days,
we may not credit your Consumer Account. For errors involving new Consumer Accounts, point-of-sale transactions, or foreign-initiated
transactions, we may take up to 90 days to investigate your complaint or question. For new Consumer Accounts, we may take up to 20
Business Days to credit your Consumer Account for the amount you think is in error.

We will contact you with results within 3 Business Days after completing our investigation. If we decide that there was no error, we will
send you a written explanation and debit your Consumer Account for the credit you received even if this causes your Consumer Account
to Overdraft or for your Available Balance to be negative. You may ask for copies of the documents that we used in our investigation.
Your liability for an unauthorized EFT:
Tell us AT ONCE if you believe your card is lost or stolen, or if you believe that an EFT was made without your permission using
information from your check. Calling us is the best way of keeping your possible losses down. You could lose all the money in your
Consumer Account (plus your maximum Overdraft line of credit). If you tell us within 2 Business Days after you learn of the loss or theft
of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within 2 Business
Days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without
your permission if you had told us, you could lose as much as $500. Also, if your statement shows any electronic transfer that you did not
make, or authorize, tell us AT ONCE by calling 1-800-555-5455, or by bringing your statement with you to a branch office, or by writing to
us at the address shown on your statement. If you do not tell us within 60 calendar days after the statement was mailed to you, you may
not get back any money lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had
told us in time. If a good reason kept you from telling us, we may extend the time period.
REPORTING NEGATIVE INFORMATION TO CREDIT BUREAUS; DISPUTING REPORTED INFORMATION
We may report information regarding your Account to credit bureaus. If the Account is jointly held, we may also report information to
credit bureaus about any joint owner(s). Negative information, including closing of the Account with an overdrawn balance owed or other
defaults on the Account, may be reflected in each joint owner’s credit report. If you believe that the information that we are providing
to Chex Systems is inaccurate or incomplete, and you wish to dispute the reported information, you may dispute directly to us and/or to
Chex Systems; however, the dispute must be in writing and sent by mail as follows:
• First National Bank of Pennsylvania, Attn: ODS, 4140 East State Street, Hermitage, PA 16148.
• Chex Systems, Inc., Attn: Customer Relations, 7805 Hudson Road, Suite 100, Woodbury, MN 55215 or fax to 602-659-2197.
Your correspondence should include the following information:

• Your name, address and Social Security Number;
• Your Account number;
• The information being reported that you believe is inaccurate or incomplete;
• Any supporting documentation, such as account statements, letters, etc.; and
• A copy of the Chex Systems report, if available.

SECTION 3 – BUSINESS ACCOUNTS TERMS & CONDITIONS
BUSINESS ACCOUNT OWNERSHIP
To open a Business Account, you must provide us with documentation from the state in which you formed your business, if applicable,
and a resolution authorizing the opening of the Business Account and naming Authorized Signers for the Business Account. You may title
your Business Account with a fictitious name if you provide us with documentation of your ownership of this fictitious name.
Only Authorized Signers may request information about and conduct transactions on your Business Account. An Authorized Signer is a
person who has your actual or apparent authority to use your Business Account. Any Authorized Signer on your Business Account may
close it or withdraw or transfer funds from the Account at any time. You may add or remove Authorized Signers for a Business Account
by providing us with a properly executed resolution. We will not remove an Authorized Signer from a Business Account based on the
oral request of another Authorized Signer. We are not liable to you for the acts or omissions of an Authorized Signer, and we have no
obligation to ask or investigate whether an Authorized Signer is acting within the scope of their authority.

SECTION 4 – DEFINITIONS
ACCOUNT: A checking account, savings account, certificate of DORMANT ACCOUNT: An account with no activity or contact
deposit (CD), individual retirement account (IRA) or money market from you regarding your Account for a period of 24 consecutive
account held at First National Bank of Pennsylvania. months.
ACH: Electronic debits and credits processed through the ELECTRONIC FUNDS TRANSFER (EFT): Any transfer of funds that
Automated Clearing House network. is initiated through an electronic terminal, telephone, computer,
or magnetic tape for the purpose of ordering, instructing, or
AGREEMENT: A deposit account agreement that defines your authorizing a financial institution to debit or credit an Account.
relationship with First National Bank of Pennsylvania regarding
your deposit account. ENDORSEMENT: A signature, stamp, or mark on the back
of a check.
AUTHORIZED SIGNER: A person who has your actual or apparent
authority to use your Business Account. FACSIMILE SIGNATURE: A signature produced by mechanical
means that is used by an Owner, Authorized Signer or Signer on an
AVAILABLE BALANCE: The amount of money you have in your Account. For example, a rubber stamp or electronic signature.
account that is available for you to use.
FEE SCHEDULE: Collective reference to the Consumer Fee
BUSINESS ACCOUNT: A deposit account, which is not held Schedule, which applies to consumer accounts, and the Business
primarily for personal, family, or household purposes. Fee Schedule, which applies to business accounts. The Consumer
Fee Schedule and the Business Fee Schedule states the fees
BUSINESS DAY: The days on which the bank is open to conduct applicable to their respective deposit accounts.
business – Monday through Friday, excluding Saturday, Sunday, and
Federal holidays. LEDGER BALANCE: Your account balance after all transactions are
deposited to or paid from your Account.
CHECKBOOK BALANCE: The balance in your account as you
conduct transactions chronologically. LEGAL ENTITY: A corporation, limited liability company, other
entity created by the filing of a public document with a Secretary
CONSUMER ACCOUNT: A deposit account opened primarily for of State or similar office, a general partnership, limited partnership,
personal, family or household purposes. business trusts that are formed by a filing with a state office, and
any similar entity formed under the laws of a foreign jurisdiction
CUSTOMER SERVICE CENTER: Toll-free phone number, 1-888- that opens an account.
555-5455, to call if you have questions or concerns about your
Account or this Agreement.

LEGAL PROCEEDINGS: Includes a writ of attachment, execution, PENDING: Credit and debit items that we receive notice of and are
garnishment, tax withholding order, levy, restraining order, scheduled to post to your account.
subpoena, warrant, injunction, government agency request for
information, search warrant, forfeiture, or other similar order PIN: The personal identification number for your debit card.
served on the bank.
POST/POSTED: Transactions that are paid. These funds are no
MERCHANT: A person or business who may debit your deposit longer available to you.
account for your purchase of goods or services from that person or
business. POSTING ORDER: The order in which we post debit and credit
transactions to your account.
OFFICIAL CHECK: A check drawn on our account on your behalf.
PREAUTHORIZATION AND SETTLEMENT: When you use
OR CHECK: A check that is payable to two or more persons which your debit card to make a purchase without entering your PIN,
does not contain the word “and.” the transaction is completed in a two-step process. The two-
step process consists of the merchant’s preauthorization of the
OVERDRAFT: When your Available Balance is not sufficient to pay transaction amount and settlement of the transaction amount,
for a transaction scheduled to post to your Account, but at our which is final payment of the transaction.
discretion we decide to pay it.
RETURNED: When your Available Balance is not sufficient to pay
OVERDRAFT PROTECTION: Services available to you to protect for a transaction on your Account, and we decide to return the
your account from overdrafts or returned items, which may transaction unpaid.
include, but are not limited to, transferring funds from other
accounts you may own or drawing on a credit line linked to your SIGNER: A person or persons who you allow to conduct
account. transactions on and request information about your Account, but
who does/do not own the money in the Account.
OVERDRAFT SERVICES: Services provided to you, at our
discretion, when you do not have sufficient money in your account SUBSTITUTE CHECK: A paper reproduction of an original check
to pay for a transaction. that (i) contains an image of the front and back of the original
check; and (ii) is suitable for automated processing in the same
OWNER: The person(s) or business that owns the money held in manner as the original check.
the account.

4140 East State Street
Hermitage, PA 16148
www.fnb-online.com
phone 800-555-5455 Date Opened:
Freestyle Checking Account Truth-in-Savings Disclosure

Customer Name:
Account Number:
Product:
MINIMUM DEPOSIT TO OPEN ACCOUNT

You must deposit $50.00 to open this account online. No minimum requirement if opening in-branch.
FEES
For the fees that may be assessed against your account and other account details, please see the Consumer Fee Schedule.
- 1992 Wolters Kluwer Financial Services, Inc. All rights reserved. TIS-BRO 8/19/92 Custom 4t 201684343-010 EPATIS12 Rev. 1/15/2021 Page 1 of 2
Freestyle
Checking Account
Product Number 23901 Class Code 36
This summary is to help you understand the basic terms and conditions of your account. See the Consumer Fee Schedule and the Deposit Account
Agreement for full details.
Minimum Deposit to Open Account $50.00 minimum to open online. No minimum to open in-branch.
Monthly Service Charge Per Statement Cycle No Charge
Interest Bearing No
Paper Statement Fee $3.95 Fee assessed per statement cycle for paper statements.
Check Image Fee $3.00 Fee assessed per statement cycle for check images in addition to paper
Account
Opening and statement fee.
Usage Online Statements with Check Image No Charge
Returned Deposits or Cashed Item Fee $12.00 For each item you deposit or cash that is returned unpaid.
FNB ATM Fee No Charge
Fee for ATM Withdrawal (Foreign ATM Fee) $2.95 Per transaction plus any fees the ATM owner charges.
Stop Item Charge $37.00 Per item
Overdrafts for checks, in-person withdrawals, automatic bill payments or other

transactions using your account number may be authorized and paid, on a case by case
basis. Overdraft and Returned Item Fees do apply.
Standard Overdraft Practices
Please see the Consumer Fee Schedule Overdrafts for everyday one-time debit card transactions and ATM transactions are not
for any limits that apply. authorized and paid, unless you allow FNB to do so. These are declined at no cost.
Please ask us for information on other services we offer that may be suitable for you,
such as an overdraft protection plan or link to a checking, savings, or money market
account.
Overdraft Fee & Returned Item Fee (NSF) $37.00 Fee assessed each time an item is paid or returned unpaid.
Overdraft Please see the Consumer Fee Schedule
Options for any limits that apply.
and Fees Continuous Overdraft Fee $12.00 Fee assessed every 3 business days that your account remains
Please see the Consumer Fee Schedule overdrawn.
for any limits that apply.
$10.00 Per transfer linked to a checking, savings, or money market account.
$10.00 Transfers from a personal line of credit. Transfers from lines of credit
Overdraft Protection Fee are subject to the terms of the Applicable Agreement and/or Disclosure
Statement, which shall include, but not limited to, interest charged on
amounts transferred.
Posting Order Generally, during end of day processing each Business Day, FNB will sort your
The order in which deposits and transactions into categories before we process them in the following order:
withdrawals are processed. See your } Add all credits and deposits that are available;
Deposit Account Agreement for more } Subtract Return Item Fee, Overdraft Fee, and Stop Item Charge;
detail. This lists the most common types } Subtract outgoing wire transfers and Online/Mobile Banking transfers from highest
of transactions, but not all transactions to lowest dollar amount;
that could occur. } Subtract debit card transactions and ATM withdrawals by date and time (from
highest to lowest dollar amount if date and time cannot be determined);
} Subtract checks, ACH payments and Online Bill Payments in the order of highest to
Processing lowest dollar amount; and
} Subtract service charges and fees.
Policies
Funds Availability Our policy generally is to make funds from your cash and check deposits available to
When funds deposited to your account you on the first *Business Day after the Business Day of your deposit. If not all of the
are available. funds from your deposit are available on the first Business Day, then we will notify you
at the time you make your deposit. Please see the Deposit Account Agreement for
more detail.
*A "business day" is Monday through Friday excluding federal holidays. Please see the Deposit Account
Agreement for cut off times and full details on Funds Availability.
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
refer to the Deposit Account Agreement for full details on Electronic Fund Transfers.
Dispute Mail 4140 East State Street, Hermitage, PA 16148
Resolution In Person Visit us at any FNB branch, find the location nearest you at fnb-online.com.
By Phone 1-800-555-5455
Member FDIC
Hermitage, PA 16148
www.fnb-online.com
phone 800-555-5455
Premierstyle Checking Account Truth-in-Savings Disclosure

Customer Name:
Account Number:
Product:
RATE INFORMATION
As of
} Tier 1 - If your daily balance is more than $999.99, but less than $10,000.00, the interest rate paid on the entire balance in
your account will be % with an annual percentage yield of %.
} Tier 2 - If your daily balance is more than $9,999.99, but less than $15,000.00, the interest rate paid on the entire balance in
} Tier 5 - If your daily balance is $100,000.00 or more, the interest rate paid on the entire balance in your account will be
% with an annual percentage yield of %.
Your interest rate and annual percentage yield may change.
FREQUENCY OF RATE CHANGES

We may change the interest rate on your account at any time.
DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.
COMPOUNDING AND CREDITING FREQUENCY

Interest will be compounded every month. Interest will be credited to your account every month.
EFFECT OF CLOSING AN ACCOUNT

If you close your account before interest is credited, you will not receive the accrued interest.
MINIMUM BALANCE TO OPEN THE ACCOUNT

You must deposit $50.00 to open this account online. No minimum requirement if you open the account in-branch.
MINIMUM BALANCE TO AVOID IMPOSITION OF FEES

For the fees applicable to accounts which do not maintain minimum balance requirements, please see the Consumer Fee Schedule.
DAILY BALANCE COMPUTATION METHOD

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal
in the account each day.
ACCRUAL OF INTEREST ON NONCASH DEPOSITS

Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
FEES
- 1992 Wolters Kluwer Financial Services, Inc. All rights reserved. TIS-BRO 8/19/92 Custom 4v 201831834-010 EPATIS19 Rev. 9/2021 Page 1 of 2
Premierstyle
Checking Account
Service Charge $25.00 If the requirements to avoid the monthly service charge are not met.
Avoid the Service Charge if You Meet $7,500 or more daily balance.
ONE (1) of the Following During OR, $25,000 combined minimum daily balance, for the preceding month, in any
the Statement Cycle combination of checking, savings, certificate of deposit, money market accounts, or
consumer loan balances.
Interest Bearing Yes

Account
Opening and Paper Statements No Charge
Usage Check Image with Statement No Charge
Online Statements with Check Image No Charge
ATM Withdrawal (Foreign ATM Fee) No Charge Surcharges from other financial institutions refunded up to $15.00 per
statement cycle.
Stop Item Charge No Charge Per item

Standard Overdraft Practices Overdrafts for everyday one-time debit card transactions and ATM transactions are not
Please see the Consumer Fee Schedule authorized and paid, unless you allow FNB to do so. These are declined at no cost.
for any limits that apply. Please ask us for information on other services we offer that may be suitable for you,
account.
Overdraft Overdraft Fee & Returned Item Fee (NSF) $37.00 Fee assessed each time an item is paid or returned unpaid.
Options Please see the Consumer Fee Schedule
and Fees
Continuous Overdraft Fee $12.00 Fee assessed every 3 business days that your account remains
No Charge Per transfer linked to a checking, savings, or money market account.
Overdraft Protection Fee No Charge Transfers from a personal line of credit. Transfers from lines of credit
are subject to the terms of the Applicable Agreement and/or Disclosure
Statement.
Processing } Subtract checks, ACH payments and Online Bill Payments in the order of highest to
lowest dollar amount; and
Policies } Subtract service charges and fees.
more detail.
By Phone 1-800-555-5455
Member FDIC
Hermitage, PA 16148
www.fnb-online.com
M ystyle Checking Account Truth-in-Savings Disclosure

Customer Name:
Account Number:
Product:
MINIMUM DEPOSIT TO OPEN ACCOUNT

You must deposit $50.00 to open this account online. No minimum requirement if opening in-branch.
MINIMUM BALANCE TO AVOID MONTHLY SERVICE CHARGE

FEES
1992 Wolters Kluwer Financial Services - Bankers Systems Form TIS-BRO 8/19/92 Custom 4t 200917824-010 MDF. EPATIS11 Rev. 1/15/18 (page 1 of 2)
Mystyle
Checking Account
Monthly Service Charge per statement cycle $8.95 If the requirements to avoid the monthly service charge are not met.
$500 or more daily balance.
Avoid the Service Charge if You Meet OR, $5,000 combined average daily balance, for the preceding month, in any
ONE (1) of the Following During combination of checking, savings, or certificate of deposit, IRA or Money Market.
the Statement Cycle OR, recurring monthly Direct Deposit each statement cycle
OR, 10 POS Debit Card purchase transactions posted and cleared per statement cycle.
Account Interest Bearing No
Opening and
Paper Statement Fee No Charge
Usage
Check Image Fee No Charge
Online Statements with Check Image No Charge Monthly service charge is reduced to $6.95 with Online Statements.
Fee for ATM Withdrawal (Foreign ATM Fee) $2.95 Per transaction plus any fees the ATM owner charges.

transactions using your account number may be authorized and paid, on a case by
case basis. Overdraft and Returned Item Fees do apply.
account.
Options Please see the Consumer Fee Schedule
and Fees Continuous Overdraft Fee Fee assessed every 3 business days that your account remains
$12.00
withdrawals are processed. See your Add all credits and deposits that are available;
Deposit Account Agreement for more Subtract Return Item Fee, Overdraft Fee, and Stop Item Charge;
detail. This lists the most common types Subtract outgoing wire transfers and Online/Mobile Banking transfers from highest
that could occur. Subtract debit card transactions and ATM withdrawals by date and time (from
Subtract checks, ACH payments and Online Bill Payments in the order of highest to
Processing lowest dollar amount; and
Policies Subtract service charges and fees.
When funds deposited to your account you on the first * Business Day after the Business Day of your deposit. If not all of the
more detail.
* A "business day" is Monday through Friday excluding federal holidays. Please see the Deposit Account
By Phone 1-800-555-5455
Member FDIC
1992 Wolters Kluwer Financial Services - Bankers Systems Form TIS-BRO 8/19/92 Custom 4t 200917824-010 MDF. EPATIS11 Rev. 1/15/18 (page 2 of 2)
Hermitage, PA 16148
www.fnb-online.com
Lifestyle Checking Account Truth-in-Savings Disclosure

Customer Name:
Account Number:
Product:
RATE INFORMATION
As of







FEES
Lifestyle
Checking Account
$1,000 or more per day average daily balance.
Avoid the Service Charge if You Meet OR, $10,000 combined average daily balance, for the preceding month, in any
ONE (1) of the Following During combination of checking, savings, certificate of deposit, money market accounts, or
the Statement Cycle consumer loan balances.
Account Interest Bearing Yes
Opening and Paper Statements No Charge
Usage Check Image with Statement No Charge
Online Statements with Check Image No Charge Monthly service charge is reduced to $9.00 with Online Statements.
ATM Withdrawal (Foreign ATM Fee) $2.95 Per transaction plus any fees the ATM owner charges.

account.
Please see the Consumer Fee Schedule
more detail.
By Phone 1-800-555-5455
Member FDIC
Hermitage, PA 16148
www.fnb-online.com
Consumer Money Market Account Truth-in-Savings Disclosure

Customer Name:
Account Number:
Product:
RATE INFORMATION
As of
} Tier 1 - If your daily balance is more than $249.99, but less than $50,000.00, the interest rate paid on the entire balance in


FEES
TRANSFER LIMITATIONS
For an explanation of transaction limitations and any fees that apply, please see the Consumer Fee Schedule.
Consumer Money
Market Account
Avoid the Service Charge if You Meet
$1,000 or more daily balance.
the Following During the Statement Cycle
Account Paper Statements No Charge
Opening and
Check Image with Statement No Charge
Usage

account.
Overdraft Fee & Returned Item Fee (NSF) $37.00 Fee assessed each time an item is paid or returned unpaid.
Overdraft Please see the Consumer Fee Schedule
more detail.
By Phone 1-800-555-5455
Member FDIC
Hermitage, PA 16148
www.fnb-online.com
Personal Savings Account Truth-in-Savings Disclosure

Customer Name:
Account Number:
Product:
RATE INFORMATION
As of
The interest rate paid on the entire balance in your account will be % with an annual percentage yield of
%.

Interest will be compounded every quarter. Interest will be credited to your account every quarter.
For the fees applicable to accounts which do not maintain minimum balance requirements, please see the Consumer Fee Schedule. If
you are under the age of 21, the service charge is waived on your behalf. Once you reach the age of 21, a service charge will be
assessed unless an average daily balance of $200 or more is maintained in the account.
FEES
TRANSFER LIMITATIONS
For an explanation of transaction limitations and any fees that apply, please see the Consumer Fee Schedule.
Member FDIC
Hermitage, PA 16148
www.fnb-online.com
phone 800-555-5455
IRA Savings Account Truth-in-Savings Disclosure

Customer Name:
Account Number:
Product:
RATE INFORMATION
As of
The interest rate on your account is % with an annual percentage yield of %.





TRANSACTION LIMITATIONS
IRS contribution limits are applicable. Withdrawal of principal and interest may be applicable to the IRS penalty unless transferred to
an IRA Certificate.
FEES
Member FDIC
1992 Wolters Kluwer Financial Services - Bankers Systems Form TIS-BRO 8/19/92 Custom 4t 200912042-010 MDF. EPATISB6 Rev. 12/17 (page 1 of 1)
Hermitage, PA 16148
www.fnb-online.com
Health Savings Account Truth-in-Savings Disclosure

Customer Name:
Account Number:
Product:
RATE INFORMATION
As of
} Tier 1 - If your daily balance is $999.99 or less, the interest rate paid on the entire balance in your account will be






FEES
Health Savings
Account
Product Number 28401/28402 Class Code 84
HSA Annual Fee $20.00 Per year, no annual fee, if an existing FNB personal checking
account holder.
HSA Set-Up Fee $25.00 No initial set-up fee if an existing FNB personal checking
account holder.
Paper Statement Fee $3.95 Fee assessed per statement cycle for paper statements.
Account
Opening and Check Image Fee $3.00 Fee assessed per statement cycle for check images in addition to paper
statement fee.
Usage
Returned Item Fee (NSF) $37.00 Fee assessed each time an item is returned unpaid.
Returned
Item Fees Overdraft Protection Fee $10.00 Per transfer linked to a checking, savings, or
money market account.
and Options
more detail.
By Phone 1-800-555-5455
Member FDIC
FIRST NATIONAL FirstRate BANK Money
OFMarketPENNSYLVANIA Account
ATM/DEBIT CARD AGREEMENT
This summary is to help you understand the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
This ATM/Debit Card Agreement (Agreement) applies to all YOU ARE RESPONSIBLE FOR SAFEKEEPING YOUR PIN. YOU
transactions resulting from the use of your ATM/Debit
Minimum Deposit to Open Account Card AGREEtoTO
$50.00 minimum openTAKE ALLNo
online. REASONABLE
minimum to open PRECAUTIONS
in-branch. SO NO
through an automated teller machine (ATM), a Point-of-Sale (POS) ONE ELSE LEARNS YOUR PIN AND YOU AGREE NOT TO
terminal or any other use of the Card(s), whether electronic or not. DISCLOSE OR OTHERWISE MAKE YOUR PIN AVAILABLE TO
Avoid the Service Charge if You Meet
In this Agreement the words “you” and “your” mean all account ANYONE
$5,000 or more averageNOT AUTHORIZED
daily balance. TO SIGN ON YOUR DEPOSIT
owners who sign asthe Following
Card During
applicants the Statement
and/or Cycle
any of their authorized AND/OR LOAN ACCOUNT(S).
user(s). The words “we”, “us”, “our”, and “the Interest
Bank” Bearing Yes
mean First Your PIN should NOT be written on the Card or anywhere it is
Account
National Paper Statements
Bank of Pennsylvania. The word “Card” No Charge
refers to either an available to others for use by lawful and/or unlawful means.
Opening
ATM or VISAand
®
Debit Card. Check Image with Statement No Charge
Usage
eStatements with Check Image No ChargeTRANSACTIONS AVAILABLE Your Card and PIN can give you
ACCEPTANCE and AUTHORIZATION
Returned Deposits You
or accept
Cashedthis Fee $12.00 access
ItemAgreement Forto youritem
each checking, savings,
you deposit money
or cash that market
is returnedandunpaid.
line of credit
by signing an application requesting a Card, accepting or keeping
FNB ATM Fee No Charge accounts. You may select in advance the account(s) you wish to
your Card, or by using the Card yourself or allowing someone
ATM Withdrawal (Foreign ATM Fee) $2.50
have access to through your Card(s) and PIN. We must approve the
Per transaction plus any fees the ATM owner charges.
else to use it (activating the Card). In consideration of these EFT account(s) that you choose.
(electronic funds transfer) services made available to you and any
other person using EFT services in conjunction with your deposit Only your checking account may be accessed at POS terminals
and line of credit account(s) (who, by such use, agree to be bound Overdraftswith the VISA
for checks,
®
Debit Card.
in-person The primary
withdrawals, account
automatic bill (either checking
payments or
or other
hereby as though such users were you) you jointly and individually savings)
transactions may account
using your be accessed
number at POS
may terminals with and
be authorized the ATM
paid, Card.
on a case by
agree to the terms and conditions described in this Agreement. case basis. Overdraft and Returned Item Fees do apply.
Standard Overdraft Practices OverdraftsThere are federal

for everyday rulesdebit
one-time limiting
cardthe number of
transactions and transfers each month
ATM transactions are not
You authorize us to pay from your deposit account(s) (or line of authorized or
and paid, unless
statement youfrom
cycle allowyour
FNBsavings
to do so. These
and moneyare market
declinedaccounts.
at no cost.
credit account if cash advances or overdraft protection is needed Please askThese
us for rules
information on other
are outlined in services we offer
the Deposit that may
Account be suitable for you,
Agreement
and authorized) the total amount of any transaction originated account.
provided to you earlier.
by Overdraft
proper use of theOverdraft
Card. You also agree that the use of the
Fee & Returned Item Fee (NSF) $37.00 Fee assessed each time an item is paid or returned unpaid.
Options
Card(s) described in this Agreement shall be subject to the rules, A. ATM Transactions: Transactions at ATM terminals require the use
Continuous Overdraft Fee $12.00 Fee assessed every 3 business days that your account remains
and Fees
regulations and fees governing each deposit account which is of your Card and PIN. You may use your Card at our Bank’s ATM
overdrawn.
accessed by such Card and the line of credit account(s) terms terminals, or at any ATM located throughout the United States and
previously disclosed, including but not limited to the Bank’s right in certain foreign countries which bears the logo of any network
of offset. identified on your Card.
Overdraft Protection Fee $10.00 Transfers from a personal line of credit. Transfers from lines of credit
are subject to the terms of the Applicable Agreement and/or Disclosure
AUTHORIZED ACCOUNT ACTIVITIES/TRANSFERS You promise The amount of transfers and withdrawals is limited to a total of
to use your Card to make only the types of transfers and to obtain $500amounts
per day transferred.
for all checking accounts, with the exception of
access to the account(s) you have requested in advance and we Private Banking Select or Premierstyle which is $1,000 per day,
have approved. If through some error, your Card allows you to provided you have sufficient funds in your account(s)
withdraw funds from an account that you should not be
Posting Generally,
allowed
Order to each business day* FNB will:
The order in which deposits and to First, add all credits and deposits that are available
use, we may charge the amounts involved in the transaction an You may make the following types of ATM transactions.
account you are approved to use. withdrawals are processed. Next, subtract • W
any debit items. These include checks, withdrawals, other payments
ithdraw cash
and account fees. Please seefrom your checking,
the Deposit Account regular
Agreement savings and
for full money
details.
market
Funds Availability account(s) and obtain a cash advance on
Type of Deposit your line of
YOU ALSO AGREE THAT IF YOU GIVE YOUR CARD (AND PIN) Same business credit day*
account(s);
Checks drawn on FNB, electronic direct deposits, wire
TOProcessing
SOMEONE ELSE TO USE, YOU ARE AUTHORIZING THEM TO • Transfer funds transfers
betweenand yourcash
checking,
depositsregular
made tosavings
a FNB and
teller.
ACTPolicies
ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE
Funds Availability FORNext businessmoney market accounts and from your line of credit account(s) to
day* Deposits at ATMs, check drawn on another bank, mobile
ANY USE OF THE CARD WhenBYfunds
THEM.deposited to your account your checking account(s);
banking deposits.
are available. • Obtain balanceNOTE:information
You willonbeyour checking
notified in theand savings
event that accounts;
a longer hold is
You further agree to NOT use your card for any illegal purposes, applied
balance information to not
may yourreflect
deposit.
pending or outstanding items.
transactions or purchases. This includes, but is not limited to:*A "businessCardholder should
day" is Monday take care
through to keep
Friday an accurate
excluding federal register.
holidays. Please see the
purchase of lottery tickets using the Internet if you reside in aDeposit
state Account
• Deposit funds toforyour
Agreement cut checking,
off times and full details
savings and/or onmoney
Funds Availability.
where lotteries are not legal; payment for other forms of illegal market accounts provided the ATM (if not owned by the bank)
wagering, betting or gambling; or, the purchase of illegal drugs. participates in a shared deposit program.
We encourage
Restricted transactions as definedyou
in to promptly
Federal reach Regulation
Reserve out to us to report a lost or stolen card/password or report unauthorized transactions. Please
GG are prohibitedrefer
fromtobeing
the Deposit Account Agreement for full details on Electronic Fund Transfers.
processed through this account B. Point-of-Sale Transactions using your Card and PIN: You may
Dispute Mail 4140 East use State Street,
or relationship. your ATMHermitage,
Card and/or PA VISA
16148 ®
Debit Card, along with your PIN,
Resolution In Person Visit us at atanyanyFNBretail establishment
branch, (Merchant)
find the location nearestthat
youaccepts PIN transactions
at fnb-online.com.
PERSONAL IDENTIFICATION NUMBER (PIN) The By 4-digit numerical
Phone to complete the following types of transactions, up to $2,500
1-800-555-5455
PIN issued to you is for security purposes. The PIN represents per day for all checking accounts, with the exception of Private
your signature(s) authorizing transactions made using your Card(s), Banking Select or Premierstyle which is $5,000 per day:
identifies the bearer of the Card(s), and serves to validate and • Purchase goods and/or services;
authenticate theMember
directionsFDIC
given to complete the Card transactions. • Obtain cash, in addition to your purchase, if this is permitted by
the Merchant.
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354408-010 MDF. EPATIS17 (page 2 of 2)
C. VISA® Debit Point-of-Sale Transactions without a PIN: You may and acknowledge that funds from that deposit may not be available
use your VISA® Debit Card, for the following transactions: for immediate withdrawal and that the availability of your deposit
• Purchase goods and/or services, up to $2,500 per day for all shall depend on our rules and regulations regarding the particular
checking accounts, with the exception of Private Banking Select or account in which you have made the deposit and the items that
Premierstyle which is $5,000 per day, from Merchants who accept were deposited. You also understand and acknowledge that not all
the VISA® debit card; ATMs may accept deposits or payments. You may NOT deposit any
• Obtain cash advances, up to $500 per day, from any financial foreign currency
institution which accepts the VISA® debit card.
RELATED FEES Fees for using ATMs not owned by the Bank, card
Point-of-Sale Transactions are limited to $2,500 per day for all replacement, and stop payment requests are listed in our Fees
checking accounts, with the exception of Private Banking Select or Brochure. To avoid ATM transaction fees, be sure to look for First
Premierstyle which is $5,000 per day-in total, whether or not a PIN National Bank’s name and logo posted on the ATM. If you use your
was required for each transaction. Card at an ATM which we do not own, the ATM owner/operator may
also assess a transaction fee. Federal regulations require the ATM
You understand and agree that by using your Card at a Merchant’s owner to inform you of their fee amount and to permit you to cancel
POS terminal, you are directing and authorizing us to withdraw funds the transaction prior to their fee being imposed.
from your deposit account and are ordering us to make payment
to the Merchant for the amount of the purchase transaction and/ FOREIGN CURRENCY CHARGES If you incur a charge in a foreign
or cash you authorized by using your Card and PIN, when required. currency, the charge will be converted by VISA®International into
The full amount of your POS Purchases or Cash Advances will be a United States dollar amount using the procedures in the VISA®
deducted from your deposit account. Operating Regulations in effect at the time the transaction is
processed. Currently, this is either a rate selected by VISA® from
Use of the Card for a POS Purchase or Cash Advance is regarded the range of rates available in wholesale currency markets for the
as a withdrawal from and/or a demand on your deposit account applicable central processing date, which may vary from the rate
at the time your Card is used, even if the transaction is not posted VISA® itself receives or the government-mandated rate in effect for
immediately to your deposit account. After your Card transaction the applicable central processing date, plus or minus any adjustment
(purchases or cash advances) is authorized, there may be a hold determined by the Issuer. In addition, VISA®’s International Service
placed on your deposit account. For POS transactions which do Assessment fee of up to 1% of the transaction amount on all
not require a PIN, the merchant may choose the hold amount, or in international transactions will be collected.
some instances, the bank has a predetermined hold amount that is
applied to the customer’s account. This hold will be released when OVERDRAFTS If you use your Card at an ATM or POS terminal
documentation matching the authorized transaction amount has to overdraw your account: a) we will first attempt to access any
cleared through us or when the hold period expires (up to 3 days), other deposit account you have designated for transfers to cover
whichever occurs first. Your account will be debited for the amount overdrafts; b) secondly we will attempt to access your line of credit
of the transaction upon receipt and processing of the supporting account with our bank which you designated for use as overdraft
documentation. You agree to release us from liability based upon protection; c) if funds are not available from these sources, we may
failure to authorize subsequent Card transfers and/or failure to pay elect to pay the overdraft under our Overdraft Services program
other items drawn on your account(s) because the processing of a provided you have “opted in” to this service. You agree to pay our
previously authorized Card transaction may not be complete. standard overdraft and service fees and shall deposit sufficient funds
into your deposit account to cover the overdraft. We may charge the
DEPOSITS/WITHDRAWALS AT ATMs: Deposits must be made amount of the overdraft and overdraft fee to any account you have
before 6:00 p.m. ET on a business day to receive next day availability with us, subject to applicable law. If you have arranged for overdraft
of the funds. Cash deposits made before 6:00 p.m. ET on a business protection through a line of credit with our Bank, you agree not to
day in FNB ATMs equipped with currency validation technology may exceed the maximum amount available to you. If we have to take
be made available the same day as the deposit. steps to collect anything you owe us as a result of an overdraft, you
will pay reasonable collection costs, such as attorney fees and any
If you use your Card and PIN to withdraw money from an account or costs in connection with an appeal when applicable, subject to any
to withdraw money to transfer from one account to another account, legal limitation.
the amount of the withdrawal will be subtracted from your Available
Balance at the time of the transaction. If you are transferring to AVAILABILITY AND OPERATION OF TERMINALS The terminals
another account that account will be credited immediately if the may not operate properly at all times and may not be available for
transfer is made before 6:00 p.m. ET but may not be credited until your use. Do not attempt to use the terminal if it is closed or if it is
the next business day if made after 6:00 p.m. ET. not operating properly. We are not liable for damages resulting
from the unavailability or failure of terminals to operate, except as
If there is any difference between the amount you write or indicate required by federal law.
on any deposit slip or payment stub made at our ATM and the
amount we find in the deposit or payment envelope, you agree that CARD LIMITATIONS FOR SECURITY REASONS There is a limit to
the amount we find in the envelope is the correct amount. the number of times you may use your Card each business day. You
will be denied use of your Card if you: a) exceed the daily withdrawal
You agree that we have the right to verify deposit(s) made at ATMs and/or purchase limits; b) do not have sufficient funds available in
before we make the money available to you, or confirm funds are your account to complete the transaction; c) do not enter the correct
available to honor checks deposited in an ATM for loan payment(s) PIN (where required); or d) exceed the usage frequency limit. The
before the amount is applied to your loan account(s). If you deliver receipt provided by the terminal will notify you of the reason access
cash, checks or other items to us through an ATM, you understand was denied.
For security purposes, there is a limit on the number of denied access mail notices to you at least twenty-one (21) days before the effective
attempts. Exceed this limit and the ATM may keep your Card. date of any changes, as required by law. Use of these services is
subject to existing federal and state regulations governing your
SECURITY AT ATM OR POS FACILITIES You agree that we are not account and any future changes to those regulations.
responsible for providing security guards or other security measures
at any ATM or POS terminal owned by us or others. We are however, ACCOUNT RULES AND REGULATIONS Except as changed by
providing for your information a list of safety precautions regarding this Agreement, all transfers made by use of your Card and PIN are
the use of ATMs. Please read the following safety tips: subject to the terms and conditions contained in the signature card(s)
• Be aware of your surrounding, particularly at night. and the applicable customer agreement(s) for your deposit account(s)
•C onsider having someone accompany you when the automated as outlined in our Deposit Account Agreement booklet, and if
teller machine is used after dark. applicable, line of credit contract(s). This Agreement is made as part
• It is appropriate to politely ask someone who is uncomfortably of that (those) customer agreement(s).
close to you to step back before you complete your transaction.
•R efrain from displaying your cash. Pocket it as soon as your GENERAL This Agreement shall be governed by the laws of the
transaction is completed. Count the cash later in the safety of your state in which the Card is issued without regard to the state’s choice
car or home. of law provision and except to the extent federal law is applicable.
•C onsider using another automated teller machine or coming back Any omission or delay by us in exercising our rights under this
later if you notice anything suspicious. If you are in the middle of Agreement shall not constitute a waiver of those rights. If any part
a transaction and you notice something suspicious, cancel the of this Agreement is unenforceable, it will not make any other part
transaction, pocket your Card and leave. unenforceable.
•G o to the nearest public area where people are located if you are
followed after making a transaction. FEDERAL ELECTRONIC FUNDS TRANSFER RULES
•R eport all crimes to law enforcement officials immediately. These rules are applicable only to consumer deposit accounts used
for personal, family or household purposes. For your convenience,
OWNERSHIP AND TERMINATION OF CARD Your privileges to use we have also included the federal rules relating to your line of credit
this Card may be canceled by us at any time and the Card may not account when an ATM or Debit Card is used for access purposes.
be used by you or any other authorized user thereafter. Any card not
used in any 12 month consecutive period will be considered by the CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS You are
Bank to be surrendered and may be canceled without additional responsible for telling us AT ONCE if you believe your VISA® Debit
notification. The Card shall remain the property of the Bank and will Card, ATM card, or PIN for either of these cards has been lost or
be surrendered upon demand or upon the closing of your account stolen, or if money is missing from your account, or if you believe that
with us. Your Card may not be used after we cancel it or if your Card an electronic fund transfer has been made without your permission
has expired. You, or any other party to your account, may terminate using information from your ATM or debit card. You could lose all the
this Agreement and cancel your Card by notifying us in person or money in your deposit account(s) (plus your maximum overdraft line
by writing to us at the address listed on your statement. Termination of credit amount) if you take no action to notify us. The fastest way to
of this Agreement will not affect the rights and responsibilities of notify us of a lost or stolen VISA® Debit Card, ATM card, or PINs for
the parties under this Agreement for transactions initiated before these cards is by calling us at 1-800-555-5455 (24 hours a day, seven
termination. Your Card is non-transferable. days a week).
DEFAULT You will be in default of this Agreement if: (a) you fail to If you tell us within two (2) business days after you learn of the loss or
adhere to any of the terms or conditions outlined in this Agreement; theft of your VISA® Debit Card, ATM card or related PIN, you can lose
(b) bankruptcy proceedings are started by or against you or you a maximum of $50.00 if someone uses your VISA® Debit Card, ATM
become insolvent; (c) you die or become legally incompetent; or Card and PIN without your permission. If you do NOT tell us within
(d) you do not pay us any amount you owe us on time. If any of the two (2) business days after you learn of the loss or theft of your Card
above happens, we can require that the entire balance you owe us or PIN, and we can prove that we could have stopped someone from
through the use of your Card be paid at once, without prior notice or using your Card or PIN without your permission if you had told us,
demand. We also can, without prior notice, take the balance owed to you could lose as much as $500.00. Your liability for fraudulent VISA®
us from any available deposit account you have with us. point of sale transactions that take place on the VISA® system is Zero
dollars ($0.00).
AMENDMENTS OF THIS AGREEMENT You agree that from time
to time we may amend or change the terms of this Agreement, Also, if your statement shows any electronic transfer that you did not
including but not limited to amendments or changes to add further make, or authorize, tell us AT ONCE by calling 1-800-555-5455, or
Card services, to amend or change the charges for these services, by bringing your statement with you to a branch office, or by writing
or to make changes to the Card’s transaction limitations. We will to us at the address shown on your statement. If you do not tell us
notify you of such amendments or changes as outlined below. Your within sixty (60) calendar days after the statement was mailed to you,
use of the Card after the effective date of any such changes and/or you may not get back any money lost after the sixty (60) days if we
amendments shall constitute your acceptance of and agreement to can prove that we could have stopped someone from making the
such changes and/or amendments. transfers if you had told us in time. If a good reason (such as a long
trip or hospital stay) kept you from telling us, we will extend the
NOTICES All notices from us will be effective when we have mailed time period.
them or delivered them to your last known address in our records.
Notices from you will be effective when received by us at the address BUSINESS DAYS For the purpose of this disclosure, our business
listed on your statement. We reserve the right to change the terms days are Monday through Friday. Federal holidays are not included.
and conditions upon which these EFT services are offered. We will Saturday and Sunday are considered Monday’s business day.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC we report you to that the matter has been settled between us when it
TRANSFERS Telephone us at 1-800-555-5455 or write to us at the finally is. If we don’t follow these rules, we can’t collect the first $50 of
address shown on your statement or billing notice as soon as you can, the questioned amount, even if your bill was correct.
if you think your statement or receipt is wrong or if you need more
information about POS or ATM transactions listed on your deposit YOUR RIGHT TO TRANSACTION DOCUMENTATION
account statement, terminal receipt, or line of credit statement and Periodic Statements: You will receive monthly checking account and
payment notice. We must hear from you no later than sixty (60) calendar line of credit billing statements. If your savings account shows any ATM
days after we sent you the FIRST statement on which the problem or or POS transactions during a month, you will also receive a monthly
error appeared. statement for your savings account, rather than regularly scheduled
1. Tell us your name and account number. quarterly statements. These statements will show all ATM and POS
2. D escribe the error or transfer you are unsure about and explain as activity for your account during the statement period, along with a
clearly as you can why you believe it is an error or why you need more description of the transaction type and location. Additionally, any
information. purchases made by phone or Internet, where you provided your VISA®
3. Tell us the dollar amount of the suspected error. Debit Card number for payment, will appear on your statement.
Deposit Accounts: If you tell us orally, we require that you send us Terminal Receipt: You will have the option at the ATM to receive a
your complaint or question in writing within ten (10) business days. terminal receipt at the time you make any transaction. You will receive a
We will generally complete our investigation within 10 business terminal receipt at the time you make any transaction at a POS terminal.
days after we hear from you and will correct any error(s) promptly. For Purchases and Cash Advances without a PIN, you will receive a
However, if we need more time to investigate the transaction or obtain receipt from the merchant or financial institution for each transaction.
documentation, we may take up to forty-five (45) days (90 days for
POS transactions, for transfers initiated outside of the United States BANK’S LIABILITY FOR FAILURE TO MAKE A TRANSFER
or if your account is new-less than 30 days old) to investigate your Our liability for Failure to Make Transfers: If we do not complete a
complaint or question. If we need this additional time to determine if preauthorized transfer on time or in the correct amount according to
an error has occurred, we will provisionally credit your deposit account our agreement with you, we will be liable for your actual, proven losses
within ten (10) business days (20 days if your account is new-less or damages. However, there are some exceptions. We will NOT be
than 30 days old) for the amount you think is in error, so that you will liable for instance:
have the use of the money during the time it takes us to complete • If, through no fault of ours, you do not have enough money in your
our investigation. If we ask you to put your complaint or question in account to make the transfer.
writing and we do NOT receive it within ten (10) business days, we may • If the transfer would go over the credit limit on your line of credit
choose not to credit your account for the amount in question during account, whether or not for overdraft protection or as a cash advance
our investigation period. We will tell you the results within 3 business on the line of credit.
days after completing our investigation. If we decide there was no error, • If the ATM where you are making the transfer does not have enough cash.
we will send you a written explanation. You may ask for copies of the • If the ATM was not working properly and you knew about the
documents that we used in our investigation. breakdown when you started the transfer.
• If circumstances beyond our control (such as an act of God, fire or other
Line of Credit Accounts: For investigations of suspected errors on your catastrophe), or by an electronic or computer failure which prevents the
line of credit statement regarding transfers for overdraft protection transaction, despite reasonable precautions that we have taken.
in connection with your deposit account, we will follow the rules • If the funds in your account are subject to legal process or other
listed above for deposit account error resolution. For investigations encumbrances restricting use of the funds for such transfers.
of suspected errors on your line of credit statement regarding •W hen your authorization has been revoked by operation of law or
ATM transfers, we must within thirty (30) days provide you a written would exceed security limitations.
acknowledgment that we received your letter, unless we have already •W hen your Card has been reported as lost or stolen and you are
corrected the error. Within ninety (90) days, we must either correct the using the reported Card or we have reason to believe that the
error or explain why we believe your bill was correct. transaction requested is unauthorized.
• If incomplete or inaccurate information has been forwarded by
After we receive your letter, we cannot try to collect or report you as the originator.
delinquent for any amount you question. We can continue to bill you • If the merchant or other financial institution fails to accept the Card.
for the amount you question, including finance charges, and we can
apply any unpaid amount against your credit limit. You do not have to ACCOUNT INFORMATION DISCLOSURE TO THIRD PARTIES
pay any questioned amount while we are investigating, but you are still We will disclose information to third parties about your account or the
obligated to pay the parts of your bill that are not in question. transfers you make:
• Where it is necessary for completing the transaction.
If we find that we made a mistake on your bill, you will not have to pay •T o verify the existence and standing of your account with us, or
any finance charge related to any questioned amount. If we didn’t make a to confirm that sufficient funds are available to cover specific
mistake, you will have to make up any missed payments on the questioned transactions, upon the request from a third party, such as a credit
amount and pay any related finance charges. In either case, we will send bureau or merchant.
you a statement of the amount you owe and the date it is due. •T o comply with court orders or government administrative agencies,
summons, subpoenas, orders of examinations and escheat reports.
If you fail to pay the amount that we think you owe, we may report you •O n receipt of certification from a federal agency or department that
as delinquent. However, if our explanation does not satisfy you and a request for information is in compliance with the Right to Financial
you write to us within ten (10) days telling us that you still dispute the Privacy Act of 1978.
amount and refuse to pay, we must tell anyone we report your account • If you give us your written permission.
standing to, that you have a question about your bill. And, we must
tell you the name of anyone we report you to. We must tell anyone Also, please refer to our Privacy Policy statement.
i004370 | 01-2020
CREDIT CARD AGREEMENT

This First National Bank of Pennsylvania Credit Card Agreement (“Agreement” or Other People Using Your Account
“Credit Card Agreement” or “Cardholder Agreement”) is for your credit card If you permit any person to use your Card, access checks, account number, or
account (“Account” or “Card”) with First National Bank of Pennsylvania. It applies other credit device with the authorization to obtain credit on your Account, you
to you and all authorized users of the Account as outlined below. will be liable for all transactions made by that person including transactions for
which you may not have intended to be liable, even if the amount of those
As required by law, rates, fees, and other costs of this credit card account are transactions causes a credit line to be exceeded.
disclosed below. All account terms are governed by the Credit Card Agreement. • Authorized users of this Account may have the same access to information
Account and Agreement terms are not guaranteed for any period of time; all terms, about the Account and its users as the account holders.
including fees and the APRs, may change in accordance with the Agreement and • We may send Account materials (cards, statements, and notices) to any liable
applicable law. This Agreement becomes effective upon receipt of the Agreement party; that person will be responsible for delivering those materials to the other
(the “Effective Date”). liable parties and authorized users.
• Notice to any of you will be considered notice to all of you.
YOUR CONTRACT WITH US
This document, and any future changes to it, is your agreement with us. We will Adding Authorized Users
refer to this document as your “Agreement” or “Credit Card Agreement”; these You must think carefully before you allow anyone to become an authorized user.
terms also include any changes we may make to this document from time to time. By doing so, you authorize the person to use your Account to the same extent
you can, including, but not limited to: making any Purchases, Cash Advances,
“We”, “us”, “our”, and “FNB” means First National Bank of Pennsylvania. “You” and otherwise allowing others to use your Account.
and “your” mean each and all of the persons who are granted, accept, or use the • You may allow authorized users on your Account in the following ways:
account, and any person who has guaranteed payment of the account. 1. By notifying us that you want someone added to your Account as an
authorized user;
We reserve the right to amend this Agreement at any time, by adding, deleting, or 2. By lending your Card or account number to another; or
changing provisions of this Agreement. All amendments will comply with the 3. By any other ways in which you would be legally considered to have allowed
applicable notice requirements of federal and Pennsylvania law that are in effect another to use your Account or to be legally prevented from denying that you
at that time. If an amendment gives you the opportunity to reject the change, and did so.
if you reject the change in the manner provided in such amendment, we may • If you choose to allow anyone else to use your Account please consider:
terminate your right to receive credit and may ask you to return all credit devices 1. Your Account does not permit you to limit the nature or amount of authority
(e.g. cards, access checks, etc.) as a condition of your rejection. Our failure or you give to any authorized user and you will not attempt to do so.
delay in exercising any of our rights under this Agreement does not mean that we 2. An authorized user’s authority will continue until you both notify us that you are
are unable to exercise those rights later. terminating the authority and you physically retrieve the Card from the user. If
you cannot retrieve the Card, you will remain liable for any transactions that
The reasons we may amend this Agreement include the following: we cannot prevent after you notify us.
• Changes in regulation or legislation, or a change in the interpretation of a
regulation or legislation. Additional Card Benefits
• Changes related to your individual credit history, such as; your risk profile, your We may offer you certain benefits and services with your Account. Any benefits
payment or transaction patterns, balance patterns, the utilization levels of this or services are not a part of this Agreement, but are subject to the terms and
and other accounts, credit bureau information including the age, history and restrictions outlined in the benefits brochure and other official documents provided
type of other accounts, and the measure of risk associated with each. to you from time to time by or on behalf of FNB. We may adjust, add, or delete
• We may also change terms for reasons not related to your individual credit benefits and services at any time and without notice to you.
history, such as overall economic and market trends, product design, and
business needs. TYPES OF TRANSACTIONS
You may obtain credit in the form of Purchases and Cash Advances
USE OF YOUR CARD By using Cards, access checks, your account number, or other credit devices
Acceptable Use of Your Card you may obtain credit in the following ways:
You may use your Account for personal, family, or household purposes. You may • Cards - Are all the credit cards we issue to you and to any other person with
not use your Account for business or commercial purposes. To avoid unauthorized authorization for use on this account pursuant to this agreement including the
use of your Card, please sign the back of your Card immediately. Please notify us account number associated with this card.
immediately of the loss, theft, or possible unauthorized use of your Account at • Access Checks - Is a check we provide to you to obtain credit on your account.
1-866-317-0355. We may replace your Card with another card at any time. All access checks include an expiration date printed at the top. We will honor
access checks received for payment before the expiration date printed on the
Limitations & Warnings check, provided your Account is open and in good standing, with available
• You may not use this Account, to make a payment on this or any other credit credit. Access checks without a printed expiration date will not be honored.
account with us or our affiliates.
• You may not use or permit your Account to be used to make any illegal Purchases and Cash Advances
transaction. • Purchase - Means the use of your card or account number to buy or lease
• You will only use your Account for transactions that are legal where you conduct goods or services; Purchases include Account Fees, as well as Transaction
them. For example, Internet gambling transactions may be illegal in your state. Fees and adjustments associated with any Purchase.
• Display of a payment card logo by an online merchant does not mean that an • Cash Advance - Means accessing your Account in the following ways:
Internet transaction is legal where you conduct it. We may charge your Account 1. Direct Deposit: by a transfer of funds via an ACH (Automated Clearing House)
for such transactions. transaction to a deposit account initiated by us at your request
• We will not be liable if you engage in an illegal transaction. 2. Check Cash Advance: by an access check you sign as drawer.
• We may deny authorization of any transactions identified as Internet gambling 3. Bank Cash Advance: by obtaining cash via a credit card in the following
• You may not use your Account to conduct transactions in any country or manner:
territory or with any individual or entity that is subject to economic sanctions • ATM (“ATM”) Cash Advance: at an automated teller machine;
administered and enforced by the U.S. Department of the Treasury’s Office • Over the Counter (“OTC”) Cash Advance: at any financial institution (e.g.,
of Foreign Assets Control (OFAC). Use of your Card in those countries will be to obtain cash, money orders, wire transfers, or travelers checks), or at any
blocked. non-financial institution (i.e., to obtain cash);
4. Cash Equivalents: by the purchase of foreign currency, money orders or Rates for Non-Protected Balances
travelers checks from a nonfinancial institution, or person-to-person money If your variable APR is increased due to an increase in the Index as outlined above,
transfers, bets, lottery tickets, casino gaming chips, or bail bonds with your or due to the application of a default or Penalty APR as outlined in the “Default
card; & Penalty APR” section below, your balances will not be considered Protected
5. Returned Payment: for any payment you make to us that is returned to us Balances and the interest rate for those balances may be increased upon notice
unpaid for any reason, including the related interest charges. to you.
All Cash Advances are subject to the amount of the remaining available Credit Line. CALCULATION OF INTEREST CHARGES
Cash Advances are limited to 25% of your available Credit Line. Terminals or Methods for Calculating Balances Subject to Interest Rates
terminal operators may impose other limits on the amount or frequency of cash Interest Charges for a Billing Cycle are calculated separately for each balance
withdrawals. For more information on credit lines, please refer to the section titled (for example, Purchases and Cash Advances). The methods used to calculate
“CREDIT AVAILABILITY Understanding Your Credit Line”. balances subject to interest charges are:
• For Purchases – “Average Daily Balance Method (excluding new purchases)”
Balance Transfers • For Cash Advances – “Average Daily Balance Method (including new
From time to time, we may offer you the chance to transfer balances from your transactions)”.
other credit card accounts to this account.
• Unless you tell us otherwise, we will treat balance transfers as purchases for How We Calculate Purchase Balances Subject to Interest Rate
the purpose of calculating interest. Interest charges for Purchases begin on the date the purchase is posted to the
• We reserve the right to decline to process any balance transfers request for account unless the New Balance shown on the previous statement was paid in
any reason, and will not transfer a balance from any of our affiliates. full prior to the Due Date. We calculate separate Balances Subject to an Interest
• Transfers will be processed in the order determined by us. Rate for Purchases by:
• If the amount you wish to transfer is greater than your available credit limit, we 1. Calculating a daily balance for each day in the current billing cycle;
may reject the request(s). 2. Adding all the daily balances together; and
• It may take up to four weeks for a balance transfers request to be credited to 3. Dividing the sum of the daily balances by the number of days in the current
your other credit card account(s). billing cycle.
• It is your responsibility to make any payments required to keep your other
account(s) current and to close your other account(s) if you desire. To calculate the daily balance for each day in the current billing cycle, we:
• We are not responsible for any charges you may incur on your other account(s) 1. Take the beginning balance of the account each day;
as a result of your balance transfer(s). 2. Subtract applicable payments and credits.
• If you have a dispute with a creditor, and you pay the balance in question by 3. If any daily balance is less than zero we treat it as zero.
transferring it to your FNB account, you may lose certain dispute rights.
• Balance transfer transactions are subject to fees. For more information please How We Calculate Cash Advance Balances Subject to Interest Rate
see the section entitled, “TRANSACTION FEES”. Interest charges for Cash Advances begin on the date the transaction is posted
to the Account we calculate separate Balances Subject to an Interest Rate for
Transactions Made in Foreign Currencies Cash Advances by:
If you make a transaction in a foreign currency, the transaction will be converted 1. Calculating a daily balance for each day in the current billing cycle;
by Visa International into a U.S. dollar amount in accordance with the operating 2. Adding all the daily balances together; and
regulations or conversion procedures in effect at the time the transaction is 3. Dividing the sum of the daily balances by the number of days in the current
processed. Currently, those regulations and procedures provide that the currency billing cycle.
conversion rate to be used is either (1) a wholesale market rate or (2) a government-
mandated rate in effect one day prior to the processing date. The currency To calculate the daily balance for each day in the current billing cycle, we:
conversion rate in effect on the processing date may differ from the rate in effect on 1. Take the beginning balance;
the transaction date or posting date. 2. Add an amount equal to the applicable Daily Periodic Rate multiplied by the
previous day’s daily balance;
INTEREST AND FEES 3. Add new Cash Advances and
Interest Rates – Annual Percentage Rates (“APR”) 4. Subtract applicable payments and credits.
The APR or “Annual Percentage Rate” is an annualized interest rate. Our interest 5. If any daily balance is less than zero we treat it as zero.
rates are currently variable rates. This means that they can change over time.
BILLING CYCLE AND PAYMENT DUE DATE
How To Calculate Variable Rates - Variable Rates are calculated by adding A billing cycle is a time period that ends on a Statement Closing Date (or “Closing
together an “index” rate and a “margin”. The index rate is U.S. Prime Rate as Date”) determined by us and begins on the day after the Closing Date of the
published in the Wall Street Journal. Margin will be determined by your previous billing cycle. Each monthly statement reflects a single billing cycle. Your
creditworthiness and outlined in the Interest Rate and Interest Charges table. Payment Due Date will be at least 25 days from your statement Closing Date and
• Index - Is the highest U.S. Prime Rate as published in the “Money Rates” will fall on the same calendar day each month.
section of The Wall Street Journal two (2) business days (not weekends or
Federal holidays) before the closing date shown on your Billing Statement. PAYING INTEREST
• The APR may increase or decrease each month if the Prime Rate changes. When applicable, interest accrues daily and compounds daily on new transactions,
• An increase or decrease in the Index will cause a corresponding increase or and balances remaining from previous billing cycles. Interest will not continue to
decrease in your variable rates on the first day of your billing cycle that begins accrue if you have paid the full amount of any related balances because we do not
in the same month in which the index is published. include any accrued, but unpaid interest in the calculation of each Balance Subject
• An increase in the index means that you will pay higher interest charges and to Interest Rate.
may have a higher Total Minimum Payment Due.
• A decrease in the index means that you will pay lower interest charges and When You Will Pay Interest on New Purchases
may have a lower Total Minimum Payment Due. We will not charge you any interest on purchases made in the current billing
• In General, we calculate the interest charge separately for each transaction cycle (“New Purchases”) if you always pay your entire New Balance Total by
type (purchases, balance transfers, and cash advances) as well as for any the Payment Due Date. If you do not pay your entire New Balance Total by the
applicable promotional rate. This means that your Account may have separate Payment Due Date, finance charges for New Purchases will begin to accrue on
balances for each transaction type. the first day of the next billing cycle.
• If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes
the definition of the U.S. Prime Rate, we may, in our sole discretion, substitute New Balance Total means the total billed amount as of the Closing Date of a
another Index. billing cycle, as shown on your monthly statement. “Pay in Full” or “Paid in Full”
means payments and credits in a billing cycle totaling at least your previous billing
Rates for Protected Balances cycle’s New Balance Total.
Some of your balances may be considered “Protected Balances” if we raise your
variable interest rate due to a change in the Cash or Purchase Margin as outlined When You Will Pay Interest on Cash Advances
above. Protected Balances may also result if we modify your interest rate from a (Including Returned Payments):
Fixed Rate to a Variable Rate. If an interest rate change for new transactions is We will begin charging interest on Cash Advances on the transaction date.
applied to your account, any existing balances of that type will be identified as The transaction date for access checks is the date the check is first deposited
“Protected Balances” on your statement. These Protected Balances generally are or cashed. The transaction date for a Returned Payment is the date that the
kept at their current APR until the balances are paid in full and the rate increase corresponding payment posted to your account.
will not apply to those balances.
TRANSACTION FEES
There are three types of transaction fees associated with your account. If you ACH Payments
conduct one of the following transactions, we will assess the following Transaction We process most paper checks received for payment electronically. That is, we
Fees to your account and apply that fee to the same category to which the use the information on your check to create an electronic funds transfer.
transaction is posted. These fees may also be subject to promotional, special or • Each time you send a check, you authorize a one-time electronic funds
additional terms, which are included as part of your Agreement. transfer.
• Cash Advance – If you obtain a Cash Advance, we will assess a transaction • You also authorize us to process your check as a check or paper draft, as
fee equal to 3% of the amount of each advance or $10.00, whichever is necessary.
greater. • Funds may be withdrawn from your account as soon as the same day we
• Balance Transfer – If you request a balance transfer and we accept that receive your payment.
transfer, we will assess a transaction fee equal to 4% of the amount of each • You will not receive your cancelled check because we are required to destroy it
transfer or $10.00, whichever is greater. although we will retain an electronic copy.
• Foreign Currency Transactions – If you make a Foreign Transaction, we will • For more information or to stop the conversion of your checks into electronic
assess a transaction fee equal to 2% of the U.S. dollar amount of each such funds transfers, call us at the phone number listed on the front of your monthly
Foreign Transaction. This is in addition to any other applicable transaction fees. statement.
Foreign Transaction means any transaction made in a foreign currency, and • You may also write to us at: P.O. Box 982234, El Paso, TX 79998-2234.
any transaction made in U.S. dollars if the transaction is made or processed
outside of the United States. Foreign transactions include for example, online When Your Payment Will Be Credited to Your Account
purchases from foreign merchants. We credit payments as of the date received, if the payment is:
1. Received by 5 p.m. local time at the address shown on the remittance slip on
ACCOUNT FEES the front of your monthly statement;
There are three types of account fees associated with your account. The following 2. Paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S.
fees are assessed as outlined below as Purchase transactions in the billing cycle dollar money order; and
in which the fees accrue: 3. Sent in the return envelope with only the bottom portion of your statement
• Late Fee – A Late Fee of $25.00 will be assessed if the Total Minimum accompanying it.
Payment Due shown on your monthly statement is not received by us on or
before its Payment Due Date. Payments received after 5 p.m. local time at the remittance address on any day
• Returned Payment Fee – A Returned Payment Fee of $25.00 will be assessed including the Payment Due Date, but that otherwise meet the above requirements
if a payment on your account is returned for insufficient funds or for any will be credited as of the next day. If your due date in a given month falls on a day
other reason, even if it is paid upon subsequent presentment (if we elect to on which we do not receive or accept payments by mail, we will treat a payment
represent the payment). Your financial institution on whom the payment is received the next business day as having been made in a timely manner. Credit
drawn may also charge you additional fees. for any other payments may be delayed up to five business days.
• Overnight Card Fee – If you request, and we agree to overnight a card to you
a $50 fee will be assessed. The fee is subject to change. Additional fees apply How We Allocate Your Payments
for Saturday deliveries or deliveries on a non-business day. If your Account has balances with different APRs, we will allocate the amount
• Pay By Phone Fee – A Pay By Phone fee of $10.00 will be assessed if you use of your payment equal to the Total Minimum Payment Due to the highest APR
a live representative to make a payment using the telephone; this fee does not balances first. Payment amounts in excess of your Total Minimum Payment Due
apply to payments made via our automated telephone payment system. will be applied to balances with higher APRs before balances with lower APRs.
PAYMENTS AND DEFAULT Promise to Pay Applies to All Persons

Your Promise to Pay All persons who initially or subsequently request, are granted, accept, guarantee
You promise to pay us the amounts of all credit you obtain, which includes all or use the account are individually and together responsible for any total
Purchases and Cash Advances. You also promise to pay us all the amounts of outstanding balance. If you are responsible to pay any total outstanding balance,
Interest charges, fees, and any other transactions charged to your account. we may refuse to release you from liability until all of the cards, access checks,
and other credit devices outstanding under the account have been returned to
Required Payments on Your Account us and you repay us the total outstanding balance owed to us under the terms of
Each month you must pay at least the Total Minimum Payment Due shown on this Agreement.
your monthly statement by its Payment Due Date. Payments must conform to
the requirements set out on that monthly statement; these requirements may vary Default & Penalty APR
without prior notice. You will be in default of this Agreement if:
• You may pay the entire amount you owe us at any time. 1. You fail to make any required Total Minimum Payment Due within 15 days of
• Payments made in any billing cycle that are greater than the Total Minimum its Payment Due Date;
Payment Due will not affect your obligation to make the next Total Minimum 2. Your total outstanding balance exceeds your Total Credit Line;
Payment Due. 3. Your Bank Cash Advance balance exceeds your Cash Credit Line;
• If you overpay or there is a credit balance on your card, we will not pay interest 4. You die or change residency to another state;
on such amounts. 5. You become insolvent or the subject of bankruptcy; or
• We will reject payments that are not drawn in U.S. dollars and those drawn on 6. You fail to abide by any other term of this Agreement.
a financial institution located outside of the United States.
• We reserve the right to reject any payment if your account has a credit balance If your Account is in default and you fail to make the Total Minimum Payment Due
as of the day we receive that payment. for 60 days after its Due Date, we have the right to increase your APR to 24%
• Generally, credits to your account, such as those generated by merchants or (“Penalty APR”). If your APR is increased, the Penalty APR will apply until you
by person-to-person transfers, are not treated as payments and will not reduce make six (6) consecutive Total Minimum Payments by their respective Payment
your Total Minimum Payment Due. Due Dates; if you do not, the Penalty APR will apply indefinitely.
Total Minimum Payment Due We May Require Immediate Repayment

Each billing cycle, you must pay at least the Total Minimum Payment Due shown If you are in default, then in addition to our other remedies under this Agreement,
on your monthly statement by its Payment Due Date. we can require immediate payment of your total outstanding balance and, unless
• The Minimum Payment Due for Purchases, Cash Advances, and Protected prohibited by applicable law, we can also require you to pay the costs we incur in
Balances are calculated separately and then added together with any past due any collection proceeding, as well as reasonable attorneys’ fees if we refer your
amounts and other fees due. account for collection to an attorney who is not our salaried employee.
• The Minimum Payment Due for Purchases is 3% of the Purchase Balances
Subject to Interest Rate or $25.00, whichever is greater. Other Payment Terms
• The Minimum Payment Due for Cash Advances is 3% of the Cash Advance We can accept late payments, partial payments, or payments with any restrictive
Balances Subject to Interest Rate or $50.00, whichever is greater. writing without losing any of our rights under this Agreement.
• If you have Protected Balances that resulted from an increase to your • This means that no payment, including those marked with “Paid in Full” or with
Purchase or Cash Margin or a switch from a Fixed Rate to a Variable Rate, any other restrictive words, shall operate as an accord and satisfaction without
the Minimum Payment Due for Protected Balances will be calculated at the the prior written approval of one of our senior officers.
terms originally disclosed to you for those balances and will be calculated • You may not use a postdated check to make a payment. If you do postdate
at a more favorable rate than the Minimum Payment Due for non-protected a payment check, we may elect to honor it upon presentment or return it
balances unless the methodology for non-protected balances results in a uncredited to the person that presented it, without in either case waiting for
lower Minimum Payment Due. the date shown on the check.
• We will not require a Minimum Payment Due for Protected Balances that is • We are not liable to you for any loss or expense arising out of the action we
higher than the Minimum Payment Due for those balances prior to the change elect to take.
to your rate.
• See the section entitled “Rates for Protected Balances” for more information
on Protected Balances.
Modifications to Required Minimum Monthly Payments RECURRING PREAUTHORIZED TRANSACTIONS
We may allow you, from time to time, to omit a monthly payment or make a Recurring preauthorized transactions occur when you authorize a merchant to
reduced payment. We will notify you when these options are available. This automatically initiate a transaction using your credit card on a recurring basis. If
will only occur on an isolated basis, such as when the bank is working with we issue a new credit card with a different number or expiration date to you, we
borrowers affected by a Federally declared disaster. If in response to this may (but are not obligated to) provide your new card number and expiration date
notification you omit a payment or make a reduced payment, interest charges, to a merchant with whom you have set up a recurring preauthorized transaction
applicable fees, and other regular transactions, if any, will accrue on your account in order to continue your recurring preauthorized transactions. There will be
balances in accordance with this Agreement. The reduced payment amount circumstances where you will have to contact the merchant directly to update
may be less than your interest charges. You must make the reduced payment on your card information if you wish these transactions to continue.
time to avoid a Late Fee. You must resume making your regular Total Minimum
Payment Due each month following any modification made to your required ACCESS CHECKS
minimum monthly payment. How You May Stop Payments on an Access Check
You may request a stop payment on an access check by providing us with the
CREDIT AVAILABILITY access check number, dollar amount, and payee exactly as they appear on the
Understanding Your Credit Line access check. Oral and written stop payment requests on an access check are
Your Total Credit Line and Cash Credit Line are disclosed to you when you permanent from the day that we place the stop payment. You need to provide us
receive your Card and, generally, on each monthly statement. with no less than 3 business day advanced notice for us to stop payment on an
• Total Credit Line – Is the total amount of credit available for the account. access check.
• Cash Credit Line – Is the amount available for Cash Advances and is 25% of
the available amount of your Total Credit Line. You May Not Postdate an Access Check
You may not issue a postdated access check on your Account. If you do
Your Available Credit postdate an access check, we may elect to honor it upon presentment or return
The available credit in your account will be less than your Total Credit Line or your it unpaid to the person that presented it to us for payment, without in either case
Cash Credit Line based upon activity in the Account such as Purchases, Cash waiting for the date shown on the access check. We are not liable to you for any
Advances, interest charges, fees, any other transactions. loss or expense arising out of the action we elect to take.
• We do not limit the number of Cash Advances you may take on any given day.
• Any credits to the Account such as payments will increase the available credit MISCELLANEOUS
in the Account. We May Monitor and Record Telephone Calls
• We may change your credit line from time to time. We base that decision on You consent to and authorize us, and any of our service providers, any of their
a variety of factors such as your payment and transaction history with us, and affiliates, or its marketing associates, to monitor and/or record any of your
information we receive from third parties, including credit reporting agencies. telephone conversations with our representatives or the representatives of any of
• The amounts shown on your monthly statement as available credit do not take those companies.
into account Purchases, Cash Advances, interest charges, fees, any other
transactions, or credits which post to your Account after the Closing Date of Use of Mobile/Cell Phones
that monthly statement. Where you have provided a cell phone number directly to us, or placed a cell
phone call to us, you consent and agree to accept collection calls to your cell
What We May Do if You Attempt to Exceed Your Credit Limit phone from us. For any telephone or cell phone calls we place to you, you
The total outstanding balance on your Account plus authorizations at any time consent and agree that those calls may be automatically dialed and/or use
must not be more than your Total Credit Line. The total outstanding balance of recorded messages to reach you.
your Cash Advances (plus authorizations) must not be more than your Cash
Credit Line. Each time you attempt a transaction which results in your applicable Collecting and Sharing Information with Credit Reporting Agencies
outstanding balance (plus authorizations) exceeding a credit line, we may: You authorize us to collect information about you in order to conduct our
1. Permit the transaction without raising your credit line; business and deliver the top quality service you expect, including information we
2. Permit the transaction and treat the amount of the transaction that is more receive from third parties such as credit reporting agencies and information about
than the credit line as immediately due; or your transactions with us and other companies. You authorize us to share such
3. Refuse to permit the transaction. If we refuse to permit the transaction, information about you or your Account with our affiliates and others. You
we may advise the person who attempted the transaction that it has been may have the right to opt out of some information sharing. For more details,
refused. If we refuse to permit a Check Cash Advance we may do so by please refer to our Privacy Notice. If you believe we have furnished inaccurate or
advising the person presenting the Check Cash Advance that credit has been incomplete information about you or your Account to a credit reporting agency,
refused, that there are insufficient funds to pay the Check Cash Advance in write to us at: First National Bank, Credit Card Department, 4140 E. State St,
any other manner. Hermitage, PA 16148.
SUSPENDING ACCOUNT PRIVILEGES Please include your name, address, home phone number, and account number,
When We May Suspend or Close Your Account and explain what you believe is inaccurate or incomplete.
We may suspend or close your Account or otherwise terminate your right to use
your Account any time and for any reason. We Have the Right to Sell Your Account
We may at any time, and without notice to you, sell, assign or transfer your
If You Elect to Close Your Account account, any amounts due on your Account, this Agreement, or our rights or
You may close your Account at any time by notifying us in writing at: First obligations under your Account or this Agreement to any person or entity. The
National Bank, Customer Service, P.O. Box # 31535, Tampa, FL 33631-3535. person or entity to whom we make any such sale, assignment or transfer shall be
entitled to all of our rights and shall assume our obligations under this
When closing your Account, please consider: Agreement, to the extent sold, assigned or transferred.
• Your obligations under this Agreement continue even after the Account is
closed. You Must Notify Us When You Change Your Address
• You must destroy all cards, access checks or other credit devices on the You must notify us promptly at 1-866-317-0355 when you change your address.
Account when the Account is closed. We may also change your address if so notified by the post office or others.
• When your Account is closed, you must contact anyone authorized to charge
transactions to your Account, such as internet service providers, health clubs IMPORTANT LEGAL NOTICES
or insurance companies. What Law Applies to this Agreement
• These transactions may continue to be charged to your Account until you This Agreement is made in the Commonwealth of Pennsylvania and we extend
change the billing. credit to you from the Commonwealth of Pennsylvania. This Agreement is
• Also, if we believe you have authorized a transaction or are attempting to use governed by the Federal laws of the United States and to the extent not
your Account after you have requested to close the Account, we may allow preempted by Federal law, the laws of the Commonwealth of Pennsylvania
the transaction to be charged to your Account. (without regard to its conflict of laws principles).
Refusal to Honor Your Account Provisions of this Agreement are Severable

We may deny any transactions for any reason at our discretion. We are not liable If any provision of this Agreement is found by a court of competent jurisdiction to
for any refusal to honor your account privileges. be invalid, the remaining provisions will continue to be effective. We use section
• This can include a refusal to honor your card or account number or any check headings (e.g. “Types of Transactions”) to organize this Agreement. The headings
written on your Account. are for reference purposes only.
• We may elect to not honor any access check which is written after the
expiration date printed on that check. Arbitration and Waiver of Jury Trial
• We are not liable for any retention of your card by us, any other financial This Credit Card Agreement includes a binding Waiver of Jury Trial and Arbitration
institution, or any other provider of goods or services. Provision. You may opt out of the Waiver of Jury Trial and Arbitration Provision by
following the instructions in paragraph number 2 below.
IF YOU ARE A MEMBER OF THE ARMED FORCES ON ACTIVE DUTY OR ON (b) YOU ARE WAIVING YOUR RIGHT TO HAVE A COURT OTHER THAN A
ACTIVE GUARD AND RESERVE DUTY OR A DEPENDENT AS DEFINED BY 10 SMALL CLAIMS TRIBUNAL RESOLVE ANY DISPUTE ALLEGED AGAINST US
USCS 1072 (2)(A), (D), (E) OR (I) OF SUCH AN INDIVIDUAL, THIS ARBITRATION OR RELATED THIRD PARTIES; and
AGREEMENT IS NOT APPLICABLE TO YOU AND SHALL NOT HAVE ANY (c) YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS
FORCE OR EFFECT PURSUANT TO THE MILITARY LENDING ACT. A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE
CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF
Waiver of Jury Trial and Arbitration Provision CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD
If we have retained agents (people who work for us but are not our employees) to PARTIES.
help us in originating and servicing your Credit Card Account, you agree that any
agents retained by us, the operator of the website where you submitted your 6. No Class Actions
application, and the purchaser(s) of any interest in your Credit Card are express All disputes including any Representative Claims against us and/or related
third–party beneficiaries of this Waiver of Jury Trial and Arbitration Provision (the third parties shall be resolved by binding arbitration only. Disputes shall be
“Arbitration Provision”), and are entitled to enforce it to the same extent if they resolved on an individual basis with you. THEREFORE, THE ARBITRATOR
signed this Agreement. SHALL NOT HAVE THE POWER TO CONDUCT CLASS ARBITRATION OR TO
CONSOLIDATE CLAIMS OF MULTIPLE PARTIES; THAT IS, THE ARBITRATOR
1. Facts About Arbitration SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE
ARBITRATION IS A PROCESS IN WHICH A PERSON WITH A DISPUTE: ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR
(A) WAIVES THEIR RIGHTS TO FILE A LAWSUIT AND PROCEED IN COURT AND OTHERS IN THE ARBITRATION. NOTWITHSTANDING ANY OTHER PROVISION
TO HAVE A JURY TRIAL TO RESOLVE THEIR DISPUTES; AND (B) AGREES, HEREIN, THE ARBITRATOR SHALL NOT HAVE THE POWER OR AUTHORITY
INSTEAD, TO SUBMIT THEIR DISPUTES TO A NEUTRAL THIRD PERSON (AN TO DETERMINE IF THIS SECTION 6 IS VALID AND ENFORCEABLE. ONLY A
“ARBITRATOR”) FOR DECISION. EACH PARTY TO THE DISPUTE HAS AN COURT SHALL HAVE SUCH POWER AND AUTHORITY.
OPPORTUNITY TO PRESENT SOME EVIDENCE TO THE ARBITRATOR.
7. Starting the Arbitration
PRE-ARBITRATION DISCOVERY MAY BE LIMITED. ARBITRATION PROCEEDINGS
ARE PRIVATE AND LESS FORMAL THAN COURT TRIALS. THE ARBITRATOR Any party to a Dispute, including related third parties, may send the other party
WILL ISSUE A FINAL AND BINDING DECISION RESOLVING THE DISPUTE, WHICH written notice by certified mail, return receipt requested, of their intent to arbitrate
MAY BE ENFORCED AS A COURT JUDGMENT. A COURT RARELY OVERTURNS and setting forth the subject of the dispute along with the relief requested, even if
AN ARBITRATOR’S DECISION. THEREFORE, YOU ACKNOWLEDGE AND a lawsuit has been filed.
AGREE AS FOLLOWS:
8. Selection of Arbitrator
2. Rejection of Arbitration Regardless of who demands arbitration, you shall have the right to select either
You may reject arbitration by sending a notice (“Rejection Notice”) that we receive the American Arbitration Association or National Arbitration Forum. Their contact
within three (3) Banking Days after the date you first use your Credit Card Account. information is above. However, the parties may agree to select a local arbitrator
Any Rejection Notice must be signed by you and must include my name, address, who is an attorney, retired judge, or arbitrator registered and in good standing
telephone number and Agreement number or date. with an arbitration association and arbitrate pursuant to such arbitrator’s rules.
The party receiving notice of arbitration will respond in writing by certified mail,
3. Where to Send Notice to Reject Arbitration return receipt requested, within twenty (20) days. If you demand arbitration,
You must mail your Rejection Notice or send it by messenger service (such as you must inform us in your demand of the arbitration organization you have
Federal Express) to us at First National Bank, Customer Service, ATTN: TA-24 selected or whether you desire to select a local arbitrator. If related third parties
(for disputes) or TA- 21 (for fraud), P.O. Box# 30495, Tampa, FL 33630 or we demand arbitration, you must notify us within twenty (20) days in writing
Attn: Arbitration or by fax to: 1-866-451-6263 Attn: TA-24 (for disputes) or TA-21 by certified mail, return receipt requested, of your decision to select one of the
(for fraud). In the event of any dispute concerning whether you have provided a Administrators or your desire to select a local arbitrator. If you fail to notify us,
Rejection Notice within the time permitted, you must provide a signed receipt or then we have the right to select one of the Administrators.
a fax confirmation that proves you sent it to us in time. This is the only method
9. What Law and Rules Apply to the Arbitration
you can use to reject this arbitration provision. If the Rejection Notice is sent on
your behalf by a third party, such third party must include evidence of his or her This Waiver of Jury Trial and Arbitration Provision shall be governed by the
authority to submit the Rejection Notice on your behalf. Federal Arbitration Act, 9 U.S.C. §§ 1–16 (“FAA”) because the transaction
evidenced by this Credit Card Agreement involves interstate commerce.
4. Definitions If a final, non-appealable judgment of a court having jurisdiction over this
The following definitions apply to this arbitration provision: “Administrator” means transaction finds, for any reason that the FAA does not apply to this transaction,
either the American Arbitration Association or the National Arbitration Forum. then the Arbitration Provision shall be governed by the arbitration law of the
Each of these companies maintains an Internet website, publishes pamphlets, Commonwealth of Pennsylvania. The arbitrator shall apply applicable substantive
and is otherwise available to answer frequently asked questions about arbitration. law consistent with the FAA, applicable statutes of limitation, and shall honor
We encourage you to contact them directly with any questions you may have claims of privilege recognized at law. The parties to such Dispute will be
about them or arbitration. You can contact them at: National Arbitration Forum, governed by the rules and procedures of the Administrator selected applicable
P.O. Box 50191, Minneapolis, MN 55405, www.arb-forum.com, (800) 474-2381; to consumer disputes to the extent those rules and procedures do not contradict
American Arbitration Association, 335 Madison Avenue, New York, NY 10017, the express terms of this Arbitration Provision, including the limitations on the
www.adr.org, (800) 778-7879. “Dispute” and “Disputes” are given the broadest arbitrator in this Arbitration Provision. You may obtain a copy of the rules and
possible meaning and include, without limitation (a) all claims, disputes, or procedures by contacting the arbitration organization listed above.
controversies arising from or relating directly or indirectly to the signing of this
10. Other Arbitration Rules
Arbitration Provision, the validity and scope of this Arbitration Provision and any
claim or attempt to set aside this Arbitration Provision; (b) all Federal or state law In addition to the parties’ rights to obtain discovery pursuant to the applicable
arbitration rules, either you or us may submit a written request to the arbitrator to
claims, disputes or controversies, arising from or relating directly or indirectly to
expand the scope of discovery normally allowed under the rules of the
the Credit Card Agreement (including the Arbitration Provision), the information
you gave us before entering into the Credit Card Agreement, including the Administrator selected. The arbitrator shall have discretion to grant or deny such
Application, and/or any past agreement or agreements between you and us; request. The arbitrator may decide, with or without a hearing, any motion that is
substantially similar to a motion to dismiss for failure to state a claim or a motion
(c) all counterclaims, cross-claims and third-party claims; (d) all common law
for summary judgment. In conducting the arbitration, the arbitrator shall not apply
claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims
any Federal rules of civil procedure or evidence.
based upon a violation of any state or Federal constitution, statute or regulation;
(f) all claims asserted by us against you, including claims for money damages to
11. The Decision of the Arbitrator
collect any sum we claim you owe us; (g) all claims asserted by you individually
At the request by you or us, the arbitrator shall provide a written explanation for
against us and/or any of our employees, agents, directors, officers, shareholders,
the award. The arbitrator must approve the explanation. The arbitrator will apply
governors, managers, members, or affiliated entities (hereinafter collectively
the applicable substantive law relating to the Dispute and award any remedies
referred to as “related third parties”), including claims for money damages and/
available as if the Dispute was heard by a court. The arbitrator’s award may
or equitable or injunctive relief; (h) all claims asserted on your behalf by another
be filed with any court having jurisdiction. Regardless of whether the arbitrator
person; (i) subject to Section 6 below, all claims asserted by you as a private
renders a decision or an award in your favor resolving the Dispute, you will not be
attorney general, as a representative and/or member of a class of persons, and/
responsible for reimbursing us for your portion of the Arbitration Fees.
or in any other representative capacity, against us and/or related third parties
(hereinafter referred to as “Representative Claims”); and/or (j) all claims arising 12. Location of Arbitration
from or relating directly or indirectly to the disclosure by us or related third parties
The arbitration hearing will be conducted in the county of your residence, within
of any non-public personal information about you.
30 miles from such county, or in such other place as shall be ordered by the
5. Waiver of Jury Trial and Participation in Class Action arbitrator.
You acknowledge and agree that by entering into this Arbitration Provision:
(a) YOU ARE WAIVING YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE
ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES;
13. Payment of Arbitration Fees While we investigate whether or not there has been an error:
If you demand arbitration, then at your request we will advance your portion of • We cannot try to collect the amount in question, or report you as delinquent
the expenses associated with the arbitration, including the filing, administrative, for that amount.
hearing and arbitrator’s fees (collectively the “Arbitration Fees”). If related third • The charge in question may remain on your statement, and we may continue
parties or we demand arbitration, then at your written request we will advance to charge you interest on that amount.
your portion of the Arbitration Fees. Throughout the arbitration, each party shall • While you do not have to pay the amount in question, you are responsible for
bear his or her own attorneys’ fees and expenses, such as witness and expert the remainder of your balance.
witness fees provided that if an arbitrator finds in your favor or the law requires it, • We can apply any unpaid amount against your Total Credit Line.
we will pay your attorney fee and costs. After we finish our investigation, one of two things will happen:
1. If we determine there was a mistake: You will not have to pay the amount in
14. Appeal of Decision question or any interest or other fees related to that amount.
The arbitrator’s decision is final and binding, except for any right of appeal 2. If we do not believe there was a mistake: You will have to pay the amount in
provided by the FAA. However, if the amount of the dispute is greater than question, along with applicable interest and fees. We will send you a statement
$7500, either you or we can appeal the award to a three-arbitrator panel of the amount you owe and the date payment is due. We may then report
administered by the selected Administrator which shall reconsider any aspect of you as delinquent, including to credit reporting agencies, if you do not pay the
the initial award requested by the appealing party. amount we think you owe.
15. Small Claims Tribunal If you receive our explanation but still believe your bill is wrong:
You and us, including related third parties, shall have the right to go to a small • You must write to us within 10 days telling us that you still refuse to pay.
claims court for Disputes within the scope of such court’s jurisdiction. Any • If you do so, we cannot report you as delinquent without also reporting that
Dispute that cannot be brought in a small claims court shall be resolved by you are questioning your bill.
binding arbitration. Any appeal of a judgment from a small claims court shall be • We must tell you the name of anyone to whom we reported you as delinquent,
resolved by binding arbitration. and we must let those organizations know when the matter has been settled
between us.
16. Severability • If we do not follow all of the rules above, you do not have to pay the first $50
If any part of this Agreement, including any part of the Arbitration Provision is of the amount you question even if your bill is correct.
held invalid or unenforceable, such provision will be considered changed to the
extent necessary to comply with law, and the validity or enforceability of any other Your Rights if You are Dissatisfied with Your Credit Card Purchases
provision will not be affected; provided, however, that if paragraph 6 precluding If you are dissatisfied with the goods or services that you have purchased with
the arbitrator from conducting a class or consolidated arbitration is deemed your credit card and you have tried in good faith to correct the problem with the
invalid or unenforceable, the entire Arbitration Provision shall be deemed void and merchant, you may have the right not to pay the remaining amount due on the
if class action litigation or a class-wide arbitration is permitted for any reason with purchase.
respect to any dispute, either party may require that the entire dispute be heard
by a judge, sitting without a jury, under applicable court rules and procedures. 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
17. Other Provisions of your current mailing address, and the purchase price must have been more
This Agreement to Arbitrate will survive: (i) termination or changes in this Credit than $50. (Note: Neither of these are necessary if your purchase was based on
Card Agreement, your Account, or the relationship between us concerning the an advertisement we mailed to you, or if we own the company that sold you
Account; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment the goods or services.)
of my Note, or any amounts owed on my account, to any other person or entity. 2. You must have used your credit card for the purchase. Purchases made with
This Agreement to Arbitrate benefits and is binding upon you, your respective cash advances from an ATM or with a check that accesses your credit card
heirs, successors and assigns. It also benefits and is binding upon us, our account do not qualify.
successors and assigns, and related third parties. The Agreement 3. You must not yet have fully paid for the purchase.
to Arbitrate continues in full force and effect, even if your obligations have been
paid or discharged through bankruptcy. The Agreement to Arbitrate survives any If all of the criteria above are met and you are still dissatisfied with the purchase,
termination, amendment, expiration, or performance of any transaction between contact us in writing at:
you and us and continues in full force and effect unless you and we otherwise
agree in writing. If any of this Agreement to Arbitrate is held invalid, the remainder First National Bank, Customer Service
shall remain in effect. This Credit Card Agreement includes a Waiver of Jury Trial P.O. Box #31535, Tampa, FL 33631-3535
and Arbitration Provision that may be enforced by you and us. You agree that
you have read and understand all of the terms of this Credit Card Agreement, While we investigate, the same rules apply to the disputed amount as discussed
including the part entitled “Waiver of Jury Trial and Arbitration Provision.” 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
YOUR BILLING RIGHTS (KEEP THIS DOCUMENT FOR FUTURE USE) delinquent.
This notice tells you about your rights and our responsibilities under the Fair
Credit Billing Act.
What to Do If You Find a Mistake on Your Statement:

If you think there is an error on your statement, write to us at:
First National Bank, Customer Service

P.O. Box #31535, Tampa, FL 33631-3535
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.
• At least 3 business days before an automated payment is scheduled, if you
want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do
we are not required to investigate any potential errors reported via telephone and
you may have to pay the amount in question.
PLEASE NOTE: It is very helpful if your letter also includes the transaction date and
the reference number for the charge, if available, from your billing statement.
What Will Happen After We Receive Your Letter:

When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your
letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or
explain to you why we believe the bill is correct.
FIRST NATIONAL BANK OF PENNSYLVANIA
BUSINESS DEBIT CARD AGREEMENT
This document contains the Terms and Conditions for using First National Bank’s Business Debit Card. It also explains
your company’s liability in using this service. Therefore, you should read this document carefully and retain a copy for
your records. All other terms and conditions of your account remain in effect.
Definitions: The words “you” and “your” mean the business checking account customer for which a Business Debit
Card is requested and issued. The word “Cardholder” refers to any person authorized by you to use your First
National Bank Business Debit Card, including your business owners, officers, employees and agents. The words “me”,
“our”, “us” or “bank” mean First National Bank. The word “Card” refers to a VISA® Business Debit Card. The term
“transaction” includes any Card usage — whether at an ATM or POS (point of sale) terminal or if the transaction is
conducted in person, via internet, or by telephone.
General Provisions: To obtain a Business Debit Card, you must (i) open and maintain a business checking account with
us; (ii) complete an application; and (iii) have this application signed by an authorized person on your behalf. An
authorized signature on the application indicates that you are agreeing to be bound by these Terms and Conditions.
You agree to update the Bank, in writing, whenever there is a change of signatories for your business checking
account.
When you, or a Cardholder, use your Business Debit Card, you are giving us the right to obtain payment from your
designated account for any transactions and any related fees. You agree to maintain sufficient collected funds in your
designated account to cover such transactions. If there are not sufficient funds in your account, we may charge a fee
for each transaction that we are unable to process. Overdraft(s) resulting from Business Debit Card usage may result
in cancellation of your Card(s) and your account(s). The Bank reserves the right to use any account funds you have on
deposit with us for payment of your Business Debit Card transactions, but is not required to do so.
Security Measures: We have established the following as security measures in order to protect you. You acknowledge
and agree that these security measures are reasonable and are designed, in part, to satisfy your business needs. You
acknowledge you are liable for the payment of Card transactions authorized, permitted or processed by you or any
Cardholder.
• We will mail Cards to your business address.

• Cards will be issued with both your business and the Cardholder’s name embossed on the Card.
• You will require each Cardholder to sign the back of the Card as soon as you deliver the Card.
• Once we issue the Card you cannot and will not transfer it to a non-Cardholder.
• You agree to immediately notify us when you terminate a Cardholder’s rights and to promptly return the Card, cut
in half, to us.
• In order for you to avoid liability for the unauthorized use of your Card, you agree to provide written instructions to
all Cardholders about the importance of securing his/her Card.
• You will determine the appropriate ATM and POS limitation to place on each Cardholder.
Applicable Law: The Terms & Conditions for your First National Bank Business Debit Card are governed by the laws of
the state in which your account is established, except with respect to that state’s conflicts of law principles, as well as
federal laws and regulations. Normal banking customs and practices also apply. If any term or provision within this
Terms and Conditions document becomes legally unenforceable, it will be considered changed to the extent
necessary to comply with applicable laws. If any part of this document becomes unenforceable, it will not make any
other part unenforceable.
Business Purpose Usage Restrictions: You and all your Cardholders agree that your Cards are to be used only by
business owners, employees, and agents, and only for business purpose transactions. You acknowledge and
understand the Card may not be used for personal or consumer purposes. Any transactions, using the Card we issue
you under this agreement, are not covered under the consumer protection provisions of state and federal laws. You
agree to provide written instructions to all Cardholders that the Card shall not be used for consumer purposes.
Prohibited Use: Cardholders agree to NOT use their Card for any illegal purposes, transactions, or purchases. This
includes, but is not limited to: purchase of lottery tickets using the internet if you reside in a state where lotteries are
not legal; payments for other forms of illegal wagering, betting or gambling; or, the purchase of illegal drugs. You are
prohibited from using your Card for any personal or consumer purposes.
Termination, Amendments and Notices: We may terminate the usage of any or all your Business Debit Card(s) at any
time. You may terminate any or all Business Debit Cards issued to you by providing a written notice to us. Termination
of Card privileges will become effective no later than two (2) business days after we receive your written request. We
may make amendments to this Terms and Conditions document in the same manner as provided for in the Deposit
Account Agreement governing your account. Use of your Card after receipt of notice of amendment constitutes your
acceptance of the change. Any notice mailed to you under the Business Debit Card Terms and Conditions will be
mailed to the business address we have listed in our files. You agree to promptly notify us of any change to your
business mailing address.
TYPES OF TRANSACTIONS
Each Cardholder may complete the following types of transactions using his/her Card, unless you have restricted the
Cardholder’s usage:
• Make cash withdrawals

• Make deposits
• Conduct checking account balance inquiries
• Make transfers among your business’ checking accounts, if applicable
• Obtain cash advances from Financial Institutions
• Purchase goods and services in person from merchants. Some merchants may permit cash-back transactions. For
merchants who accept VISA, transactions may require a signature.
• Purchase goods and services via the internet or telephone by providing your Card number and expiration date. As
added security, some phone merchants now require the three digit code located on the back of the Card.
Documentation of Transactions: You agree to instruct your Cardholders to request receipts from ATMs and from
merchants for each transaction. Most internet merchants allow you to print a purchase confirmation, which serves as
your receipt. You will need to keep a log of telephone transactions conducted by your Cardholders. We will send you
monthly account statements which will include a record of all Card transactions made during the statement cycle.
You should promptly compare your Business Debit Card receipts to your account statements for accuracy. You must
report any discrepancies to us within 60 days of statement receipt, or you will lose your rights to claim errors or fraud.
Foreign Currency Charges: If you incur a charge in a foreign currency, the charge will be converted by VISA
International into a United States dollar amount using the procedures in the VISA Operating Regulations in effect at
the time the transaction is processed. Currently, this is either a rate selected by VISA from the range of rates available
in wholesale currency markets for the applicable central processing date, which may vary from the rate VISA itself
receives or the government-mandated rate in effect for the applicable central processing date, plus or minus any
adjustment determined by the Issuer. In addition, an International Service Assessment fee of up to 1% of the
transaction amount on all international transactions will be collected. This fee is assessed by VISA.
Fees: Please refer to our separate Fee Schedule for additional information regarding Business Debit Card and other
related fees.
LIMITATIONS OF OUR LIABILITY
We will not be liable if:

• You do not have sufficient collected funds in your account to complete the transaction.
• An ATM does not have sufficient cash.
• A terminal or system is not working properly.
• Circumstances beyond our control (such as fire or flood) prevent the transfer.
• A merchant refuses to accept your Card.
• An ATM rejects your Card.
• You incur any consequential or incidental damages resulting from any unauthorized use of your Card.
There may be other limits to our liability.

ACCOUNT OWNER’S LIABILITY
Additional Risks: You are fully responsible for all transactions processed by or permitted by anyone who is a
Cardholder. As stated earlier, you will not have the benefits of any consumer protection laws when using your Card.
You understand your liability for the unauthorized use of Business Debit Cards could be greater than similar liability
for a consumer debit card transaction. We may increase the limit if, based on substantial evidence we reasonably
determine that you were negligent in the handling of the Card or account. Nevertheless, you agree to accept any
additional risks which may result.
An unauthorized transaction does not include either or both of the following:
• Any transaction by a business co-owner, a cardholder or person authorized by a cardholder, or other person with an
interest in or authority to transact business on the account.
• Any transaction by a cardholder that exceeds the authority given by the VISA Business Debit Card account owner.
Your Liability for Unauthorized Transfers: You are liable for Card transactions you did not authorize if we can prove
that we processed the transaction in good faith and in compliance with a commercially reasonable security
procedure, unless otherwise required by law.
In order to secure your personally identifiable information, you are responsible for telling us IMMEDIATELY if you
believe any of your issued Business Debit Cards or PINs for these cards has been lost or stolen, or if money is missing
from your account. Telephoning us is the best way to keep your possible losses to a minimum. Call 1-800-555-5455, at
any time, to report lost or stolen cards.
To further secure your information, if your Card is lost, stolen or used without your permission, you agree to notify us
immediately and to promptly confirm such notice in writing. Your liability for transactions may continue for up to 2
business days after we receive such written notice. If you do not notify us within 60 days from when your account
statement containing an unauthorized transaction was first mailed or made available to you, we will be entitled to
treat the information in your statement as correct, and you will be precluded from asserting otherwise. If you provide
us with timely notice of a problem or an error in your statement, we will investigate the matter and notify you of the
results as soon as reasonably possible under the circumstances. In evaluating your claim, we will consider whether
negligence on your part has contributed to the transaction in question.
You acknowledge and agree that the security procedure listed above is commercially reasonable.
IMPORTANT INFORMATION REGARDING ATM OR POS FACILITIES
You agree that we are not responsible for providing security guards or other security measures at any ATM or POS
terminal owned by us or others. We are, however, providing for your information a list of safety precautions
regarding the use of ATMs.
Please read the following safety tips:
• Be aware of your surroundings, particularly at night.

• Consider having someone accompany you when the automated teller machine is used after dark.
• It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your
transaction.
• Refrain from displaying your cash. Pocket it as soon as your transaction is completed. Count the cash later in the
safety of your car or home.
• Consider using another automated teller machine or coming back later if you notice anything suspicious. If you are
in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your Card and
leave.
• Go to the nearest public area where people are located if you are followed after making a transaction.
• Report all crimes to law enforcement officials immediately.
IMPORTANT INFORMATION ABOUT BUSINESS DEBIT CARDS

• Exercise extreme caution when authorizing additional Cards for officers, employees or agents. By providing a Card
to these individuals, you are granting them access to your business checking account by way of cash withdrawals and
VISA purchasing power. You are liable for all Card transactions, authorized or unauthorized.
• This Terms and Conditions document indicates that you will provide written instructions to all Cardholders about
the importance of protecting his/her Card, requesting receipts for each transaction, and that his/her use of the Card is
limited to business purpose transactions only. It is advisable to set guidelines for each Cardholder regarding how and
when he/she may use his/her Card, and to request that Cardholders promptly deliver all receipts to you for entry in
your ledger. As owner of the account, you are responsible for examining your receipts and comparing them to your
monthly account statements.
• You may request separate limits for each Card. Limits may be individually set for ATM cash withdrawals and POS
purchases. Our standard limits are $500 per day for cash withdrawals and $2,500 for purchases. You may want to
choose lower balances for some Cardholders and higher balances for your officers and owners. POS authorization can
be permitted while restricting ATM access and likewise ATM access can be permitted while restricting POS
authorization. Indicate the dollar limits you want each Cardholder to have on your Business Debit Card application.
Overdraft Notification
OVERDRAFT NOTIFICATION
Applies to Consumer Checking Accounts
What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when the Available Balance in your account (or the funds in your account that have cleared and are available for
use) goes below zero as a result of your account transactions, but we pay it anyway. We may cover your overdrafts in two different
ways:
1. We have standard overdraft practices that come with your account.

2. We also offer overdraft protection which links your account to a secondary checking, savings, or line of credit (subject to
credit approval) which may be less expensive than our standard overdraft practices. To learn more, ask an FNB
representative about these Overdraft Protection options.
This notice explains our standard overdraft practices.
What are the standard overdraft practices that come with my account?
We may authorize and pay overdrafts for the following types of transactions:
. Checks and other transactions made using your checking account number (for example, ACHs); and
Automatic bill payments.
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (both of which will immediately
reduce your Available Balance at the time they are authorized):
. ATM transactions; and

Everyday debit card transactions.
We pay overdraft transactions at our sole discretion, which means we do not guarantee that we will always authorize and pay any type
of transaction. Excessive overdrafts on your account may result in First National Bank not paying your overdrafts and/or closure of your
account.
If we do not authorize and pay an overdraft, your transaction will be declined.
What fees will I be charged if First National Bank pays my overdraft?

Under our standard overdraft practices:
. We will charge you a fee of up to $37 each time we choose to pay an overdraft, with a maximum limit of six (6) charges per
day.
. Also, if your account is overdrawn for three (3) or more consecutive business days, we will charge an additional $12.00
every third business day your account remains overdrawn, with a maximum limit of eight (8) per occurrence.
What if I want FNB to authorize and pay overdrafts on ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please call our Customer Service
Center at 1‐800‐555‐5455 or stop by your local branch office.
You have the right to revoke this choice at any time by calling our Customer Service Center at 1‐800‐555‐5455 or visiting your local
branch office.
For more information on our deposit account practices and a description of how your Available Balance is impacted as a result of your
account transactions, please refer to your Deposit Account Agreement. You can also find information about our posting order and how
preauthorized point‐of‐sale debit card transactions affect your account by clicking on the video, Managing Your Checking Account,
found at www.fnb‐online.com/learn.
Revised 05/27/2020
Consumer and Business Account Fee Schedules
CONSUMER FEE SCHEDULE Effective December 1, 2021
Personal Account Information Overdraft Services (continued)

Lifestyle Checking Monthly Service Charge: $10.00 Overdraft Protection Fee 1
per statement cycle Transfers from checking, savings, Money Market accounts or personal line of credit.
Avoid the monthly service charge if you meet ONE (1) of the following during the
statement cycle: $1,000 or more per day average daily balance OR $10,000 or Employee Checking No charge
more combined average daily balance, for the preceding month, in any combination Premierstyle Checking No charge
of checking, savings, certificate of deposit, IRA, money market accounts or Private Banking Select Checking No charge
consumer loan balances. Service charge reduced to $9.00 with online statements. WorkPlace First Checking No charge
Premierstyle Checking Monthly Service Charge: $25.00 eStyle Account Not available
per statement cycle eStyle Plus Account Not available
Avoid the monthly service charge if you meet ONE (1) of the following during the All other accounts $10.00 per transfer
statement cycle: $7,500 or more per day daily balance OR $25,000 or more
combined minimum daily balance, for the preceding month, in any combination of Statements and Notices
checking, savings, certificate of deposits, IRA, money market accounts or Paper Statement Fee
consumer loan balances. Freestyle Checking $3.95 per statement cycle
eStyle Account Monthly Service Charge: $5.00 Employee Checking $3.95 per statement cycle
per statement cycle
Student Checking $3.95 per statement cycle
Avoid the monthly service charge if you meet ONE (1) of the following during the
Health Savings Account (HSA) $3.95 per statement cycle
statement cycle: Make at least ONE (1) deposit OR FIVE (5) customer-initiated
transactions. WorkPlace First Checking $3.95 per statement cycle
Monthly Service Charge: $25.00 eStyle Account $2.00 per statement cycle
eStyle Plus Account
per statement cycle eStyle Plus Account $3.95 per statement cycle
Avoid the monthly service charge if you meet ONE (1) of the following during the Check Images Fee: Assessed in addition to the Paper Statement fee. Canceled
statement cycle: $1,000 or more average daily balance OR $25,000 or more checks will not be returned. Fee is charged every statement cycle, even if there are
combined minimum daily balance, for the preceding month, in any combination of no canceled checks during that month.
checking, savings, certificate of deposit, IRA or money market accounts.
Private Banking Select Checking Monthly Service Charge: $15.00 Freestyle Checking $3.00 per statement cycle
per statement cycle Employee Checking $3.00 per statement cycle
Avoid the monthly service charge if you meet ONE (1) of the following during the Student Checking $3.00 per statement cycle
statement cycle: $7,500 or more daily balance OR $15,000 or more combined daily Health Savings Account (HSA) $3.00 per statement cycle
balance, for the preceding month, in any combination of checking, savings,
WorkPlace First Checking $3.00 per statement cycle
certificate of deposit, IRA or money market accounts.
Hold Mail Fee $10.00 per statement cycle
WorkPlace First Checking Monthly Service Charge: $5.00
per statement cycle Other Account Charges and Services
Avoid the monthly service charge if you meet ONE (1) of the following during the Canadian/Foreign Check Handling Charge $6.00 per item
statement cycle: Make at least ONE (1) Direct deposit OR mobile deposit, OR ATM
Check Cashing On-Us (Non-Customer) $10.00 each
deposit, OR branch deposit each statement cycle. Internal account to account
transfers excluded. Collection Item Domestic $20.00 each + third party fees
Collection Item Foreign $20.00 each + third party fees
FirstRate Money Market Monthly Service Charge: $10.00
per statement cycle Counter Check $1.00 each
Avoid the monthly service charge if you maintain an average daily balance of Deposit Ticket $1.00 each
$5,000 or more. Dormant Account Fee $10.00 per month
Private Banking Select Money Market Monthly Service Charge: $10.00 Fee assessed after 24 consecutive months of inactivity. Fees are not assessed for
per statement cycle savings account holders under the age of 18 and are waived on your behalf.
Avoid the monthly service charge if you maintain an average daily balance of eStyle Account No charge
$5,000 or more.
Early Account Closing
FirstRate Savings Monthly Service Charge: $5.00
$50.00 per account if the account is closed within 180 days of opening.
Avoid the monthly service charge if you maintain an average daily balance of $500 eStyle Account No charge
or more. If you are under the age of 18, the service charge is waived on your FirstRate Savings No charge
behalf. Once you reach the age of 18, a service charge will be assessed unless an
IRA Savings No charge
average daily balance of $500 or more is maintained in the account.
Garnishment Fee $200.00 each
Health Savings Account (HSA)
External Transfer Fee $50.00 each
HSA Initial Set-up Fee $25.00 Transfer IRA funds to another institution.
HSA Annual Fee $20.00 per year
Levies $200.00 each
No initial set-up fee and annual fee, if an existing FNB personal checking account
holder. Medallion Stamp Guarantee $10.00 each
Night Deposit Annual Fee $20.00 per year
Overdraft Services Night Deposit Disposable Bag Fee Varies
Overdrafts for checks, in-person withdrawals, automatic bill payments or other Night Deposit Lock Bags $35.00 each
transactions using your account number may be authorized and paid on a Night Deposit Additional Keys $8.00 each
case-by-case basis. Overdraft and Returned Item Fees do apply. Overdrafts for
Penguins Power Play Package Annual Fee $25.00 per year
everyday one-time debit card transactions and ATM transactions are not authorized
and paid unless you allow FNB to do so. These are declined at no cost. Excess Transfer Fee 2 $15.00 per transaction
Overdraft Fee $37.00 per item Fee assessed for each transaction per calendar month for Savings Accounts and
per statement cycle for Money Market Accounts in excess of the prescribed limits.
An Overdraft Fee is charged when an item is paid.
Returned Item Fee $37.00 per item Return Deposit or Cash Item $12.00 each
A Returned Item Fee is assessed each time an item is returned unpaid. Stop Item Charge
Overdraft/Returned Item Fee Caps Employee Checking Two (2) at no charge per
statement cycle
The maximum number of Overdraft and Returned Item fees (or a combination of
both) you can be charged per day is 6. Premierstyle Checking No charge
All other accounts $37.00 each
Continuous Overdraft Fee $12.00
FNB Xpress Deposit Fee
Fee assessed every 3 business days that your account’s Ledger Balance remains
negative. The maximum number of Continuous Overdraft Fees you can be charged Each check $20.00 to $100.00 $2.00 flat fee per item
per occurrence is 8. Each check over $100.00 2% fee per item
Rev. 9/21/2021 Page 1

CONSUMER FEE SCHEDULE Effective December 1, 2021
Image and Photocopy Requests

Account History Printout $5.00 each ATM Surcharge Fees
Account Reconcilement/Research Fee $20.00 per hour
A Surcharge may be assessed by the ATM owner for a withdrawal made at certain
Minimum charge of $20.00. ATMs not owned by First National Bank. Transaction limits and fees may apply to
Branch-Assisted Statement Copy Request $5.00 each transactions made at ATMs not owned by First National Bank.
Branch-Assisted Document Copy Request $5.00 each Cash Alternatives
Branch-Assisted Check Copy Request $5.00 each Money Order $5.00 each
Fee for assistance from a Branch Service Representative. Official Checks $10.00 each
Photocopies $0.50 each Visa Gift Card $3.95 each
Visa Travel Card $8.95 each
Online & Mobile Banking
Visa Companion Travel Card $2.95 each
Online Banking Access * No charge
Safe Deposit Box
Mobile Banking Access * No charge
Safe Deposit Box Rental Fee varies by box size
CardGuard Debit Card Controls No charge
Mobile Check Deposit No charge Safe Deposit Box Drilling $175.00
Mobile Instant Balances No charge Safe Deposit Box Inventory $25.00
Mobile Alerts No charge Safe Deposit Box Lost Key Replacement $25.00 each
Safe Deposit Box Late Payment Fee $10.00
* SMS/Text and data fees may apply; consult your internet service provider or
wireless carrier for more details. Foreign Currency
Transfer via Online & Mobile Banking Foreign Currency Exchange
Less than $250 in US value $10.00
Internal Transfer (Between FNB Accounts) No charge
$250 or more in US value No charge
External Transfer (To/From Non-FNB Accounts) Foreign currency orders must be picked up within 7 calendar days of being placed
Standard Delivery only (3 days) for: to avoid a $10.00 fee.
Student Checking No charge Foreign Travelers Checks $1.00 per $100.00
Employee Checking No charge Foreign Priority Overnight Delivery
All other accounts $0.50 each Less than $1,500 in US value $10.00
Next-Day Delivery $1,500 or more in US value No charge
All accounts $1.00 each
Wire Transfers
Zelle Person-to-Person Payments
Incoming Wire (Domestic & International) $20.00 each
Send Money No charge
Premierstyle Checking Two (2) at no charge per
Request Money No charge statement cycle
Stop Payment Request $10.00 each Outgoing Wire (Depositors Only) $28.00 each
Domestic
Bill Payment via Online & Mobile Banking Outgoing Wire (Depositors Only) $50.00 each
International
Standard Bill Payment No charge
Expedited Same-Day Bill Payment (ACH) $4.95 each
Intermediary Fees
Expedited Overnight Bill Payment (Check) $10.00 each
Third party intermediary banks may charge their own fees for processing international
Debit Card and ATM Transactions wires and will deduct their fees from the total amount of your wire transfer. First
National Bank is not responsible for any intermediary fees.
FNB ATM Fee No charge
1 Overdraft Protection
Fee For ATM Withdrawal (Foreign ATM Fee) $2.95 each
Employee Checking No charge Transfers linked to a checking, savings, money market or personal line of credit are
made in increments of $100. However, if less than $100 is available from your funding
Student Checking Two (2) refunded per account, we will transfer the full amount available. If the overdraft balance in your
statement cycle checking is greater than the amount available in your funding account, the entire
eStyle Plus Account Four (4) refunded per available amount will be transferred. If the amount available in the funding account is
statement cycle used in full, Overdraft and Returned Item Fees may apply to the overdrawn amount.
Premierstyle Checking No charge All transfers are subject to availability of funds in the funding account and any other
Workplace Banking No charge applicable conditions, such as transaction limitations if the funding account is a
savings account or a money market deposit account. Transfers from lines of credit are
Private Banking Select Checking No charge subject to the terms of the Applicable Agreement and/or Disclosure Statement, which
Private Banking Select Money Market No charge shall include, but not be limited to, interest charged on amounts transferred.
ATM/Debit Card Replacement $10.00 each 2 Transaction Limitations on Savings and Money Market Accounts
ATM/Debit Card Replacement Expedited Shipping $50.00 each
The depositor is permitted or authorized to make no more than six (6) transfers and
withdrawals, or a combination of such transfers and withdrawals, per calendar month
for Savings Accounts or statement cycle for Money Market Accounts including
transfers to another account (including a transaction account) of the depositor at the
same institution or to a third party by means of preauthorized, telephone or automatic
transfer, or by check, draft, debit card or similar order made by the depositor and
payable to third parties. You can make unlimited deposits and withdrawals at a
See the Truth-In-Savings disclosure and the Deposit Account Agreement for full branch or ATM. Failure to follow the transfer and/or withdrawal limitations may result
account details. in converting your interest bearing account to a non-interest bearing product type.
Fees apply to all accounts unless otherwise noted. Fees are subject to change at any
time. Products, services and prices may vary by market. We reserve the right to
enforce or to delay a charge under this schedule without losing the right to assess the
charge in the future.
MEMBER FDIC Equal Housing Lender
Rev. 9/21/2021 Page 2

ADDENDUM TO THE FNB CONSUMER FEE SCHEDULE
DATED OCTOBER 25, 2021
MyStyle Checking Monthly Service Charge: $8.95 per statement cycle
Avoid the monthly service charge if you meet ONE (1) of the following during the statement
cycle: $500 or more daily balance OR $5,000 or more combined average daily balance, for
the preceding month, in any combination of checking, savings, certificate of deposit, IRA or
Money Market accounts, OR recurring monthly Direct Deposit each statement cycle, OR,
10 Point of Sale Debit Card purchase transactions posted and cleared per statement cycle.
Service charge reduced to $6.95 with online statements.
Check Image Fee $3.00 fee will be waived.
Consumer Money Market Monthly Service Charge: $10.00 per statement cycle
Avoid the monthly service charge if you maintain a daily balance of $1,000 or more.
Personal Savings Monthly Service Charge: $5.00
Avoid the monthly service charge if you maintain a daily balance of $200 or more. If you are
under the age of 21, the service charge is waived on your behalf. Once you reach the age of
21, a service charge will be assessed unless a daily balance of $200 or more is maintained in
the account.
Business Fee Schedule Effective March 1, 2021
Business Account Information Statements and Notices

Treasury Management and Merchant Services Hold Mail Fee $10.00 per month
Contact a treasury management representative for quote.
Price dependent upon level of service(s) desired. Other Account Charges and Services
Free Small Business Checking Canadian/Foreign Check Handling Charge $6.00 per item
A monthly maintenance fee is not assessed for this Check Cashing On-Us (Non-Customer) $10.00 each
account.
Collection Item Domestic $20.00 each + third party fees
Per item fee in excess of 150* $0.32
Collection Item Foreign $20.00 each + third party fees
Negative Collected Balance Charge Prime Rate +5%
Counter Check/Deposit Ticket $1.00 each
Compak Business Checking $27.00 Dormant Account Fee $10.00 per month
Avoid the monthly fee if you maintain a minimum daily Fee assessed after 24 consecutive months
balance of $1,500 or an average daily balance of of inactivity.
$5,000. Early Account Closing $50.00
Fee assessed if the account is closed
Negative Collected Balance Charge Prime Rate +5%
within 180 days of opening.
Business Banking Sweep $27.00 Garnishment Fee $200.00
Avoid the monthly fee if you maintain a minimum daily External Transfer Fee $50.00
balance of $15,000. Transfer IRA funds to another institution.
Negative Collected Balance Charge Prime Rate +5% Levies $200.00
This account transfers funds over $15,000 to invest on Medallion Stamp Guarantee $10.00
a nightly basis. If the checking account balance drops Night Deposit Annual Fee $20.00
below a collected balance of $15,000, funds will flow Night Deposit Disposable Bag Fee Varies
from the investment account back into the checking Night Deposit Lock Bags $35.00
account. Night Deposit Additional Keys $8.00
Business Analysis Checking $27.00 Excess Transfer Fee 2 $15.00 per transaction
Deposited and Electronic Items - per item $0.19 Fee assessed for each transaction per
Deposit Tickets - per ticket $0.60 calendar month for Savings Accounts and
Paid Checks - per item $0.25 per statement cycle for Money Market
Negative Collected Balance Charge Prime Rate +5% Accounts in excess of the prescribed limits.
Earnings Credit will offset monthly fees. Return Deposited or Cash Item $12.00
Consult your treasury management representative for Stop Item Charge $37.00
FDIC Charge and Earnings Credit Rate. Cash Alternatives
Business Financial Solutions Money Order $5.00
Avoid the monthly fee if you maintain a minimum daily $27.00
Official Checks $10.00
balance of $5,000.00 or an average daily balance of
Visa Gift Card $3.95
$15,000.00.
Visa Travel Card $8.95
Negative Collected Balance Charge Prime Rate +5% Visa Companion Travel Card $2.95
Business Interest Checking $27.00 Image and Photocopy Requests
Avoid the monthly fee if you maintain a minimum daily
Account History Printout $5.00
balance of $2,000 or an average daily balance of
$4,000. Account Reconcilement/Research Fee $20.00 per hour
Deposited and Electronic Items - per item $0.19 Minimum charge of $20.00.
Deposit Tickets - per ticket $0.60 Branch-Assisted Statement Copy Request $5.00 each
Paid Checks - per item $0.25 Branch-Assisted Document Copy Request $5.00 each
Negative Collected Balance Charge Prime Rate +5% Branch-Assisted Check Copy Request $5.00 each
Estate Management Account with Interest $27.00 Fee for assistance from a Branch Service
Avoid the monthly fee if you maintain a minimum daily Representative.
balance of $25,000. Photocopies $0.50
Non-Profit Checking $5.00
Avoid the monthly fee if you maintain a minimum daily Foreign Currency
balance of $100 or provide a tax-free TIN. Foreign Currency Exchange
Negative Collected Balance Charge Prime Rate +5% Less than $250 in US value $10.00
Non-Profit Interest Checking $5.00 $250 or more in US value No charge
Avoid the monthly fee if you maintain a minimum daily Foreign Travelers Checks $1.00 per $100.00
balance of $100 or provide a tax-free TIN. Foreign Priority Overnight Delivery
Per item fee in excess of 400* $0.32 Less than $1,500 in US value $10.00
Negative Collected Balance Charge Prime Rate +5% $1,500 or more in US value No charge
Preferred Interest Checking
A monthly maintenance fee is not assessed for this Foreign currency orders must be picked up
account. This account is only available to school within 7 calendar days of being placed to
districts and government entities, such as avoid a $10.00 fee.
municipalities, boroughs, and townships. Certain
restrictions apply. Refer to your Personal Banker for
account information.
Business FirstRate Money Market $10.00
balance of $5,000.
Public Funds Money Market Accounts $10.00
balance of $5,000.
* Per item fees include Deposit Tickets, Paid, Electronic and Deposited Items
Rev. 2/1/2021 Page 1
Business Fee Schedule Effective March 1, 2021
Overdraft Services Wire Transfers

Overdrafts for checks, in-person withdrawals, automatic bill payments, Incoming Wire (Domestic & International) $20.00 each
everyday one-time debit card transactions, ATM transactions and other Outgoing Wire (Depositors Only) Domestic $28.00 each
transactions using your account number may be authorized and paid on a Outgoing Wire (Depositors Only) International $50.00 each
case-by-case basis. Overdraft and Returned Item Fees do apply.
Overdraft Fee $37.00 per item
An Overdraft Fee is charged when an item is paid. Intermediary Fees
Returned Item Fee $37.00 per item Third party intermediary banks may charge their own fees for processing
A Returned Item Fee is assessed each time an item is international wires and will deduct their fees from the total amount of your
returned unpaid. wire transfer. First National Bank is not responsible for any intermediary
Continuous Overdraft Fee $8.00 fees.
Fee assessed on the 2nd business day and every 1 Overdraft Protection
business day thereafter that your account's ledger Transfers linked to a checking, savings, money market or personal line of
balance remains negative. credit are made in increments of $100. However, if less than $100 is
Overdraft Protection Fee 1 available from your funding account, we will transfer the full amount
Transfer from a checking, savings or money $10.00 available. If the overdraft balance in your checking is greater than the
market. amount available in your funding account, the entire available amount will
Debit Card and ATM Transactions be transferred. If the amount available in the funding account is used in
full, Overdraft and Returned Item Fees may apply to the overdrawn
FNB ATM Fee No charge
amount. All transfers are subject to availability of funds in the funding
Fee For ATM Withdrawal (Foreign ATM Fee) $2.95
account and any other applicable conditions, such as transaction
ATM/Debit Card Replacement $10.00 limitations if the funding account is a savings account or a money market
ATM/Debit Card Replacement Expedited $50.00 deposit account. Transfers from lines of credit are subject to the terms of
Shipping the Applicable Agreement and/or Disclosure Statement, which shall
include, but not be limited to, interest charged on amounts transferred.
ATM Surcharge Fees 2 Transaction Limitations on Savings and Money Market Accounts
A Surcharge may be assessed by the ATM owner for a withdrawal made at The depositor is permitted or authorized to make no more than six (6)
certain ATMs not owned by First National Bank. Transaction limits and transfers and withdrawals, or a combination of such transfers and
fees may apply to transactions made at ATMs not owned by First National withdrawals, per calendar month for Savings Accounts or statement cycle
Bank. for Money Market Accounts including transfers to another account
(including a transaction account) of the depositor at the same institution or
to a third party by means of preauthorized, telephone or automatic transfer,
or by check, draft, debit card or similar order made by the depositor and
payable to third parties. You can make unlimited deposits and withdrawals
at a branch or ATM. Failure to follow the transfer and/or withdrawal
limitations may result in converting your interest bearing account to a
non-interest bearing product type.
See the Deposit Account Agreement for full account details.
Fees apply to all accounts unless otherwise noted. Fees are subject to change at any time.
Products, services and prices may vary by market. We reserve the right to enforce or to delay a
charge under this schedule without losing the right to assess the charge in the future.
Rev. 2/1/2021 Page 2

All other accounts $0.50 each W
Person to Person (Popmoney Instant)
I
Instant Payment $3.00 each
Person to Person Request Money
(Popmoney)
Transfers of $1.00-$249.99 $0.50 each O
Transfers of $250.00-$999.99 $0.75 each O
Transfers of $1,000.00 (maximum) $1.50 each
Person to Person (Popmoney) Stop
Payment $10.00 each I
Expedited Same-Day Bill Pay T
Student Checking No charge i
All other accounts $9.95 each w
Expedited Overnight Bill Pay $14.95 each f
Account to Account Transfer - FNB Bill Pay 1
Internal to external and external to internal account transfers.
Student Checking No charge T
All other accounts $0.50 each c
a
Debit Card and ATM Transactions a
FNB ATM Fee No charge a
Fee For ATM Withdrawal (Foreign ATM Fee) $2.50 each b
Employee Checking One (1) refunded per f
statement cycle a
Student Checking Two (2) refunded per a
statement cycle l
d
Premierstyle Checking No charge t
Workplace Banking No charge i
Private Banking Select Checking No charge 2
Private Banking Select Money Market No charge
www.fnb-online.com
ATM/Debit Card Replacement $10.00 each T
800-555-5455
ATM/Debit Card Replacement Expedited t
Shipping $50.00 each w
f
(
ATM Surcharge Fees t
o
A Surcharge may be assessed by the ATM owner for a withdrawal made at
p
certain ATMs not owned by First National Bank. Transaction limits and
a
fees may apply to transactions made at ATMs not owned by First National
l
Bank.
n
See the Truth-In-Savings disclosure and the Deposit Account Agreement for full account de
Fees apply to all accounts unless otherwise noted. Fees are subject to change at any time.
Products, services and prices may vary by market. We reserve the right to enforce or to dela
charge under this schedule without losing the right to assess the charge in the future.

FNBP 26096 ImportAcctInfo FINAL Reduced

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

FNBP 26096 ImportAcctInfo FINAL Reduced

Uploaded by

Copyright:

Available Formats

IMPORTANT ACCOUNT INFORMATION

Deposit Account Agreement

Truth In Savings Disclosure

ATM/Debit Card Agreement

Business Debit Card Agreement

What You Need to Know About Overdrafts and Overdraft Fees

WHAT DOES F.N.B. CORPORATION DO WITH YOUR PERSONAL

Does F.N.B. Corporation

However, you can contact us at any time to limit sharing.

Questions? Call 800-555-5455

F.N.B. Corporation Family of Companies

SECTION 1 – GENERAL TERMS & CONDITIONS .................................................................................................................. 2

SECTION 2 – CONSUMER ACCOUNTS TERMS & CONDITIONS ...................................................................................... 27

SECTION 3 – BUSINESS ACCOUNTS TERMS & CONDITIONS.......................................................................................... 32

SECTION 4 - DEFINITIONS ........................................................................................................................................................ 33

How to contact First National Bank:

Member FDIC | fnb-online.com 1

• Section 1 - Terms applicable to both consumer and business accounts;

Important information concerning this Agreement:

2 Member FDIC | fnb-online.com

Notify us if there are changes to your contact information:

Balance your Account and know your Available Balance:

Protect your Account information:

It is your responsibility to:

Review your statements and Account activity:

Promptly notify us if you find an error:

Member FDIC | fnb-online.com 3

Provide us with identification information:

You are required to cooperate with us:

4 Member FDIC | fnb-online.com

Restrictions or Notations on the Check:

Post-Dated and Stale Checks:

Member FDIC | fnb-online.com 5

SUBSTITUTE CHECKS AND YOUR RIGHTS

What is a Substitute Check?

What are your rights regarding Substitute Checks?

6 Member FDIC | fnb-online.com

How you may make a deposit:

When you may make a deposit:

Verification and possible delay of deposits:

Member FDIC | fnb-online.com 7

Our right to refuse a deposit:

Deposits made in error:

Notices concerning deposits:

Mobile Deposits Using FNB Xpress Deposit:

8 Member FDIC | fnb-online.com

Your ability to withdraw funds:

Longer delays may apply:

• We believe a check you deposit will not be paid.

Member FDIC | fnb-online.com 9

Holds on other funds (check cashing):

Holds on other funds (other Accounts):

CUT-OFF TIMES SCHEDULE

10 Member FDIC | fnb-online.com

Within 2 hours of Available to pay transactions in

Available to pay transactions in

Available to pay transactions in

Available to pay transactions in

Available to pay transactions in

Available to pay transactions in

Available to pay transactions in

Available to pay transactions in

Decreases Available Balance