First National Bank, Albany/Breckenridge

Business Savings Accounts

Savings (Regular)

Rate Information	Your interest rate and annual percentage yield may change.
Frequency of Rate Change	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 daily. Interest will be credited to your account every quarter.
Effect of Closing an Account	If you close your account before the interest is credited, you will not receive the accrued interest.
Minimum Balance to Open the Account	$100
Minimum Balance to Avoid Imposition of Fees	A minimum balance charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.
Daily Balance Computation Method	We use the daily balance computation method to calculate the interest on your account, This method applies a daily periodic rate of the principal plus accrued interest in the account each day.
Accrual of Interest on Noncash Deposits	Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limits	Withdrawals from this account via telephone transfer are limited to three (3) per quarter.
Fees	An excess withdrawal charge fee of $5.00 will be charged for each withdrawal in excess of three (3) during a quarter.