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Deposits of up to $100,000 in First National Bank of Washington are federally insured by the Federal Deposit Insurance Corporation. The FDIC is an independent agency of the United States Government established in 1933 to insure bank deposits, help maintain sound conditions in our banking system, and to protect our nations' money supply in case of financial institution failure. The FDIC protection of your funds is backed by the full faith and credit of the United States

All types of bank deposits, such as savings, checking, interest-earning checking, savings, and Certificates of Deposits are insured by the FDIC. Securities, mutual funds and similar types of investments are not covered by deposit insurance.

The basic insured amount for a depositor is $100,000. Accrued or anticipated interest or earnings is included when calculating insurance coverage.

Deposits maintained in different categories of legal ownership are separately insured. Therefore, it is possible for you to have more than $100,000 insurance coverage in a single institution if the funds are owned and deposited in different ownership categories.

Federal deposit insurance covers joint accounts such as joint tenants with a right of survivorship, tenants by the entireties, tenants in common or a deposit owned by a husband and wife.

Funds deposited by an executor or administrator for the estate of a deceased person are added to any funds maintained in the name of the deceased with a maximum insured level of $100,000.

All funds belonging to the estate of the deceased, whether held in the name of deceased or deposited by the executor or administrator for the deceased's estate, are separately insured from funds owned by the executor, administrator or beneficiary of the estate.

Funds deposited by a corporation, partnership, or unincorporated association are insured up to a maximum of $100,000. Funds deposited by a corporation, partnership, or unincorporated association are insured separately from the personal accounts of the stockholders, partners, or members.

For further details of FDIC coverage of your deposits, please obtain our pamphlet "Questions & Answers: Your Insured Deposits" or consult the Federal Deposit Insurance Act (12 U.S.C.1881 et.seq.) and the FDIC's regulations relating to insurance coverage (12 C.F.R. Part 330).

For further information, please link to the following FDIC website.

There is no account maintenance fee for those over 55 years of age, or under 18 years of age, or to a full-time student. This is limited to one account per person. There is no minimum deposit to open this account. Contact us for any questions on other service fees.

If you carry an average daily balance of $500.00 or more, there is no monthly account maintenance fee. If the average daily balance is $300 thru $499.99, a $4.00 maintenance fee will be charged. If the average daily balance is $299.99 or under, a $6.00 maintenance fee will be charged. A 20-cent charge per check or other debit item after 20 items per monthly statment is charged, unless the average daily balance is $750 or more for the statement period. you may come in to ask about our other service fees.

Our First Advantage Club account gives you many bank services for one low price. With a monthly fee of $7.00, you will receive unlimited check writing, free notary services, no service fee for traveler's checks, no service fee for cashier's checks, 5 free photocopies per day (lobby service only), and a 20% discount on checks ordered from our catalogs. There is no minimum deposit to open this account.

If your average daily balance is $1,000.00 or greater, there is no periodic maintenance fee. If the average daily balance is $600.00 thru $999.99 for the period, then there is a $5.00 maintenance fee. If the average daily balance is $599.99 or under for the period, then there will be a $10.00 maintenance fee. We use the daily collected balance method to calculate interest on your account. Your interest rate and annual percentage yield may change. Contact us for our current interest rate and annual percentage yield for this account. Interest is compounded daily and credited on the last day of each monthly statement period. There is a 20-cent per item fee after 20 debits, unless the average daily balance is $2,500 or more for the statement period, or if the account holder is over 55 years of age. You may come in to ask about other service fees.

There is no minimum deposit required to open this account. There is no monthly account maintenance fee if your average daily balance for the monthly statement period is $1,500.00 or more. If you average daily balance drops below $1,500.00, there is a $10.00 monthly account maintenance fee. Your interest is compounded daily. Your interest rate and annual percentage yield may change. Contact us for our current interest rate and annual percentage yield for this account. There are certain restrictions on Money Market accounts. You may contact us for details. These federal regulations apply to all U.S. banking institutions. You may come in to ask about other service fees.

There is no minimum deposit required to open this account. If you are over 55 years of age, or under 18 years of age, or a full-time student, there is no minimum balance fee (limited to one such account per person). There will be a $3.00 quarterly minimum-balance fee if your average daily balance drops below $100.00 for the period. Your interest is compounded daily. We use the current balance method to calculate your interest. Your interest rate and annual percentage yield may change at any time. Contact us for our current interest rate and annual percentage yield on this account. You may make three (3) withdrawals per month. There will be a $2.00 charge for each subsequent withdrawal over three (3) per month. You may come in and ask us about any other service fees.

Direct Deposit services are available with any First National Bank checking or savings account. This means your Social Security check, disability check, or participating employer paycheck can be deposited directly into your account without the fear of theft or inconvenience of an extra trip to the bank. Best of all, there is no additional service charge for Direct Deposit.

Pay your insurance, telephone, utility bills, loan payments, or any other payments without writing a check. Our automatic payment system may be of service to you. You can arrange to have monthly bills paid automatically through our online bill payment system or through your own company. Your monthly bank statement will show the amount deducted from your account so that you can enter it into your register. Please come into the bank to sign up for this service.

Ready Reserve is a loan provision that is attached to your checking account. It is like a personal line of credit. It provides overdraft protection and credit when you need it most.

First National Bank offers our customers the debit card. It is an ATM card that works as a debit card. It can be used worldwide as an ATM card, or anywhere a debit card can be used. What a great way to speed through those long lines at the grocery store!

First National Bank of Washington has a major investment in the agricultural and business communities in our area. Come in and visit with one of our loan officers to find out how First National Bank can assist you with your financial needs.

BUSINESS CHECKING – (non-interest bearing)

First National offers a special checking account for your business checking needs. For your convenience, telephone transfer, bank by mail, internet banking, and night deposit can be part of your account.

There is no monthly maintenance charge and no charge per debit item, if the average balance is $6,000 and over.
If the average balance is below $6,000, there is a $6.00 monthly maintenance charge and a 15-cent charge per debit item. There is a 10-cent credit per $100 monthly average balance. The credit is applied against the monthly maintenance charge and debit item charges.

LENDING & LEASING SERVICES

LINE OF CREDIT

A line of credit can be the best way to finance business & agricultural operating needs. Advances and transfers can be arranged over the phone, or automatically. Because you borrow as needed, your interest expense is minimized.

COMMERCIAL LOANS

Our lenders have years of experience and can help you pick financing options that best help you. All of our lending assistance is custom-tailored to each business's needs. For equipment, vehicles, refinancing corporate debt, loan consolidation, fixed asset acquisition, floor planning, operating needs, or business start-up and expansion, we can help. . .

DEVELOPMENT LOANS

The Small Business Administration (SBA) works closely with our lending staff to encourage the growth of small businesses. We've arranged SBA loans to finance land, equipment, working capital, and acquisitions. We also work in partnership with local development corporations and state agencies for long-term financing at attractive fixed rates to businesses that meet guidelines.

MUNICIPAL/GOVERNMENTAL LEASING SERVICES

Leasing offers an alternative to direct purchase financing, with tax advantaged (lower) interest rates.

ONLINE BILL PAYMENT SERVICE

Now, without leaving your office, you can conduct many banking functions electronically-saving time and improving the efficiency of your business functions. In addition to automatic deposit of pay roll, we now offer the convenience of online bill payment and automatic deposit of funds due. We can help you set up the options of Online Bill Payment Services so that they can simplify your banking

WE OFFER OTHER FEATURES TO BENEFIT YOUR BUSINESS

Free Currency & Coin Services
U.S. Savings Bonds
Travelers Checks
Cashier's Checks
Direct Deposit
Automatic Transfer of Funds
Free After Hours Depository
Safe Deposit Boxes
Wire Transfer Service
Notary Public

IMPORTANT CHANGES TO EXISTING IRA'S

Along with creating the Roth IRA, the 1997 legislation brought some important improvements to the traditional IRA. One change is an increased ability to deduct IRA contributions. If you don't currently qualify for an IRA deduction on your taxes, the increase in deduction limits over the next ten tears may make you eligible.

Another significant change is the "delinking" of spouses for active participation. This means if one spouse is an active participant in an employer sponsored retirement plan, but the other is not, each determines his or her deductibility independently. In other words, more spouses who are active participants will now be eligible for IRA deductions.

A first-time home purchase is also a new penalty-free distribution available to the traditional IRA.

A NEW IRA

The Roth IRA is a nondeductible IRA that offers tax-deferred earnings and tax-free distributions. Tax-deferred earnings allow you to grow your next egg at a faster pace than taxable investments. But, the best part about these new investment products is that they offer tax-free distributions if you follow certain requirements. That means the money you withdraw is yours alone and doesn't have to be included as income at tax time.

WE'LL HELP YOU GET THERE.

Whether you're saving for your first home, or a more comfortable retirement, we'll help you get there. Find out more about the new Roth IRA and the improved traditional IRA. Call or discuss your possible options. Stop by First National Bank for confidential, professional advice regarding the best way to develop your retirement plan.

There are times in our lives that we all need to borrow a little money to ease the burden of necessary purchases or to take care of an emergency situation. First National Bank of Washington is here to help you when the need arises.

AUTO LOANS

When you are ready to purchase that new or used vehicle, see us for a pre-approved loan or come to the bank after you have found the right deal.

HOME EQUITY LOANS

The equity that you have built up in your home can be used for borrowing money to make a major purchase, borrow for your child's education, or take your dream vacation.

LOW EQUITY HOME LOANS

First National offers 5% down on homes under $25,000. Please contact one of our loan officers about more information.

HOME IMPROVEMENT LOANS

Maintain your home's appeal and/or improve its value by coming to see us for a home improvement loan. Don't let your investment depreciate! First National Bank can help you finance a new garage, room additions, heating and air-conditioning, and many other needed improvements.

AGRICULTURAL LOANS

First National Bank is here for all of your agricultural lending needs. Our loan officers have the knowledge and experience that is needed to help you achieve your agricultural goals. Call for an appointment or stop by to see us about operating, machinery, production, or real estate loans.

COMMERCIAL LOANS

First National Bank has always supported community development by offering specially designed loans such as term loans, lines of credit, and inventory financing. We plan to continue our support of our local economy.

REAL ESTATE LOANS

Buying a home or farm could be the largest single investment that a person can make. Selecting the right lender is very important. We have loans available for home or farm real estate for both personal or business use. We offer a number of loan options so that you can find the one that fits your needs.

READY RESERVE

Ready Reserve is a loan provision that is attached to your checking account. It is like a personal line of credit. It provides overdraft protection and credit when you need it most.

ACCOUNT TYPE	TAX-DEFERRED EARNINGS	EARNINGS WITHDRAWN TAX FREE	TAX-DEDUCTIBLE CONTRIBUTIONS
Roth IRA	Yes	Yes*	No
Deductible IRA	Yes	No	Yes
Nondeductible IRA	Yes	No	No
*For qualified withdrawals

First National Bank of Washington offers a variety of Products and Services. Choose from:
Federally Insured Deposits Deposit Accounts Business Banking Services	Retirement Investments Loan Services Safe Deposit Boxes Visa®