IMPORTANT INFORMATION ABOUT PROCEDURES
FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Personal Banking

First National Bank of Byers, The Cattleman's Branch, and the Henrietta Branch offer a variety of personal banking products. Choose from:

• Regular checking
• Now Checking
• Money Market Account
• Individual Savings
• Debit Card
• Gift Cards

Business Banking

First National Bank of Byers, The Cattleman's Branch, and the Henrietta Branch offer a variety of business banking products. Choose from:

• Small Business Checking
• Money Market Checking
• NOW Checking (not available to corporations or partnerships)
• Business Analysis checking
• Business Savings

Certificates of Deposit

Features:

• Variety of maturities and rates with a minimum deposit.
• Interest rate is competitive and is set weekly.
• Automatically renewable at current market rates.
• Certificates may be used as collateral for a loan.
• Interest payment options available.
• FDIC insures depositor, within FDIC guidelines.
• No fee for establishing CD.
• Substantial penalty for early withdrawal.

Come in to any location, and visit with our New Accounts personnel about opening an account with us today, or contact us at the Byers location, 940-529-6161, the Cattleman's Branch, 940-723-6161, or the Henrietta Branch, 940-538-6262, for additional information.