BUSINESS CHECKING ACCOUNTS BUSINESS CHECKING ACCOUNTS Additional Services Available

Business Checking Commercial Checking ACH Processing ATM Card No monthly service charge with No minimum balance required ATM Placement Services minimum daily balance of $2,500 Bank Statement on CD $9.99 monthly service fee Bill Payment OR Business Lending .30 cents per debit/check Cash Management $10 monthly service charge with .20 cents per credit Electronic Bank Statement-including images Escrow Accounts minimum daily balance below $2,500 .15 cents per deposited item Generation Gold Club Membership

Home Deposit Products 80 checks/withdrawals per month Earnings Credit applied to offset service Home Equity Lines 20 deposits/credits per month charge* IOTA-Trust Accounts & 200 deposited items per month Live Chat Online Services .55 cents per additional item Electronic Bank Statement with images MasterCard/Visa Credit Cards Mobile Banking ATM Card and Debit Card Mortgage Lending Paper Bank Statement Electronic Bank Statement with images Private Banking Remote Check Deposit Safe Deposit Box Rental

BUSINESS CHECKING ACCOUNTS NON-PROFIT CHECKING ACCOUNTS NON-PROFIT CHECKING ACCOUNTS

Basic Business Checking Non-Profit Checking Analysis Non-Profit Checking Limited

FNBT BANK No minimum balance required $4.99 monthly service charge $2.99 monthly service charge 29 N. Eglin Parkway

P. O. Drawer 1327 (32549) $20 monthly service charge .10 cents per debit/check 40 checks/withdrawals per month Fort Walton Beach, FL 32548 .15 cents per credit 40 checks/withdrawals per month 20 deposits/credits per month .07 cents per deposited item 100 deposited items per month 20 deposits/credits per month 850.796.2000 100 deposited items per month Earnings Credit applied to offset service .25 cents per additional item

.55 cents per additional item charge* Electronic Bank Statement with images www.fnbt.com $40 account opening fee PLUS cost of Electronic Bank Statement with images

initial check order

ATM Card and Debit Card

Member FDIC – Equal Housing Lender Electronic Bank Statement with images

PERSONAL CHECKING ACCOUNT PERSONAL CHECKING ACCOUNTS INDIVIDUAL RETIREMENT ACCOUNTS

Checking Checking with Interest Traditional, ROTH and SEP IRA options

No monthly service charge with No monthly service charge with IRA Certificate of Deposit minimum daily balance of $250 minimum daily balance of $1,000 Fixed Rate for 1 year term OR OR Interest credited quarterly Minimum $1,000 to open $2.50 monthly service charge with $10 monthly service charge with Bank penalties apply for early minimum daily balance below $250 minimum daily balance below $1,000 withdrawals***

Unlimited check writing Earn interest on daily collected balance Online Banking and credited to account monthly IRA Savings Account

Products Home Deposit Unlimited check writing Fixed Rate for 3 month term & Telephone Banking Interest credited quarterly ATM Card AND Debit Card Online Banking Services Home Deposit Minimum $2,000 to open Electronic Bank Statement with images Additional Contributions allowed Telephone Banking ATM Card AND Debit Card No bank penalty for early withdrawals***

Electronic Bank Statement with images

PERSONAL CHECKING ACCOUNT CERTIFICATE OF DEPOSIT Health Savings Account (HSA)

Special Checking Fixed Rate for 1 year term No minimum balance required FNBT BANK Interest credited quarterly 29 N. Eglin Parkway No minimum balance required Minimum $1,000 to open $2.50 monthly fee

P. O. Drawer 1327 (32549) Bank penalties apply for early withdrawals $10 monthly service charge Earn interest on daily collected balance Fort Walton Beach, FL 32548 $35 account opening fee PLUS cost of Interest credit to account quarterly

initial check order $27.50 set up and closing fee 850.796.2000 Other Services Available Unlimited check writing Access is available via Debit Card*** www.fnbt.com Online Banking Bill Payment - $6.95 monthly or FREE with Home Deposit a minimum of 4 bill payment per month Telephone Banking Paper Bank Statement - $4 per month per ATM Card AND Debit Card Member FDIC – Equal Housing Lender Electronic Bank Statement with images account

Generations Gold Club - $4 per month

This product brochure contains basic information of accounts offered by FNBT BANK. Complete Truth & Savings disclosures of interest rates, terms and conditions can be obtained from any FNBT Bank office. (Revision Date 12.11.2015) *Earnings Credit is designed to offset service charge based on monthly average collected balance, less reserve requirement, which equals investable balance. Earnings Credit is set by FNBT Bank. **Reg D: Account transactions are limited by Regulation D under Federal Law. To comply with this rule, FNBT will uphold the federal limit of no more than SIX Reg D Transaction per service charge cycle. ***IRA and HSA accounts are subject to IRA and IRS rules, restrictions and penalties.