Schedule of Fees and Charges

TELLER SERVICES Travelers Checks Per 100 Foreign Traveler's Checks $500 or less over $500 Tip Pack-Per Pad Cashier's Checks (Each) Money Orders (Each) International Money Order Customer Non-Customer Foreign Currency Customer Non-Customer Oil & Gas Leases & Payments Night Deposit Bags Zipper Bags CUSTOMER SERVICES Non-Customer Check Cashing $500 or less over $500 Non-Customer Coin Counting Fees $0-$5.00 $5.01-$10.00 $10.01 and up Fax (per page) Photocopies Signature Guarantee Customers Non-Customers Notary Fee (Per Item Notarized) Customers Non-Customers Garnishment Fee IRA Transfer Fee CUSTOMER SECURITIES Purchase or Sale of Securities ACCOUNT SERVICES WIRE TRANSFER Wire Transfers Incoming (Each) Outgoing (Each) Foreign Wire FEES-ALL ACCOUNTS ATM Transaction Fees First National Bank ATMs All other ATM's If monthly average collected balance is $1,500.00 or more ATM Balance Inquiry Fees First National Bank ATMs (after 2 for the month) All other ATM's If monthly average collected balance is $1,500.00 or more All ATM fees are waived for First Classic, First Choice and First Free Accounts Stop Payment Order (Per Debit or ACH item) Stop Payment Order (Per Block of Debits) Returned Debit Fee (Per Item) Overdraft Fee (Per Item) First Online - Return Debit Fee (Online Bill Pay) - Each: First Online - Stop Payment (Online Bill Pay) - Each: Copy of Online Bill Pay Cancelled Debit Each: Account Closing Fee if Closed Before 6 Months After Opening Date Check Printing Fees Personalized Temporary Checks 4 per page Dormant Account Fee Per Month