Truth in Savings Disclosure

Personal Checking Account 
Minimum balance to open this account - You must deposit $200.00 to open this account. Minimum balance to avoid imposition of fees - On any day in the monthly statement cycle a maintenance fee will be imposed as follows:

Daily Account Balance Maintenance Fee
$ 0.00 - $ 299.99 $ 8.00
$ 300.00 - $ 499.99 $ 7.00
$ 500.00 - $ 699.99 $ 6.00
$ 700.00 - and above No Fee

Thrift Checking Account
Minimum balance to open the account - You must deposit $200.00 to open this account. Fees: A maintenance fee of $3.00 will be charged each statement cycle. An excess withdrawal fee of $.50 will be charged for each check or other withdrawal in excess of 10 during the statement cycle.

First Value Checking Account
Minimum balance to open the account - You must deposit $200.00 to open this account. Fees: A maintenance fee of $3.00 will be charged each statement cycle. An excess withdrawal fee of $1.00 will be charged for each withdrawal in excess of 3 during the statement cycle. Withdrawals: Withdrawals can be made over the counter, by using an ATM card or by preauthorized transfer. No checks will be issued on this account.

Senior Citizens Checking Account
( AGE 62 OR OLDER )
Minimum balance to open the account - You must deposit $200.00 to open this account. Fees: An excess withdrawal fee of $.50 will be charged for each check or other withdrawal in excess of 20 during a statement cycle.

First Premium Club Plan Checking Account
Minimum balance to open the account - You must deposit $200.00 to open this account. Fees: A monthly maintenance fee for this account will be based on the amount of insurance the account holder chooses to purchase. The amount of the fee will be determined as follows:

FEES COVERAGE
$ 9.00 (individual) or $ 9.50 (family) $10,000.00 accidental death & dismemberment insurance
$10.00 (individual) or $10.50 (family) $20,000.00 accidental death & dismemberment insurance
$11.00 (individual) or $11.50 (family) $30,000.00 accidental death & dismemberment insurance

Christmas Club Account 
Club Level Minimum to Open Weekly Payment No. of Pmts

$ 5.00 $ 5.00 $ 5.00 50
$ 10.00 $ 10.00 $ 10.00 50
$ 20.00 $ 20.00 $ 20.00 50

If any withdrawals are made from this account before maturity then this account may be closed. Each Christmas Club account level requires 50 weekly payments. Fees: A fee of $5.00 will be charged for each deposit item returned unpaid. A fee of $5.00 will be imposed if the account is closed prior to maturity. A fee of $5.00 will be charged if all 50 scheduled payments are not made before account maturity.

Super Now Account -  Rates Board
Rate information - Your interest rate and annual percentage yield may change. Frequency of rate changes - 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 every month. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $1,000.00 to open this account. Minimum balance to avoid imposition of fees - A maintenance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

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Savings Account - Rates Board
Rate information - Your interest rate and annual percentage yield may change. Frequency of rate changes - 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 every day. Interest will be credited to your account every quarter. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $200.00 to open this account. Minimum balance to avoid imposition of fees - A maintenance fee will be imposed every statement cycle if the average daily balance for the cycle falls below $600.00. The amount of the fee will be determined as follows:

Average Daily Balance Fee per Quarter
$ 0.00 - $ 199.99 $ 8.00
$ 200.00 - $ 399.99 $ 5.00
$ 400.00 - $ 599.99 $ 4.00
$ 600.00 - and above No Fee

Minimum balance fee is waived on minor accounts ( TUTMA & Custodial)
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum average daily balance of $200.00 to obtain the disclosed annual percentage yield. Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations (per Regulation D): Preauthorized transfers are limited to six per month, no more than three of which may be by draft, debit card, or similar order made to third parties. Types of transactions that fall within the six per month limitation are ACH debits and transfer from a savings account at the telephoned request of the customer made directly to a bank employee. Types of transactions that fall within the three limitation are transactions made with an ATM / Debit (point-of-sale) card. The following types of transfers are permissible in unlimited numbers: preauthorized transfers for the purpose of paying loans at the same institution, transfers or withdrawals made by mail, messenger, ATM or in person (withdrawals and transfers to another account of the depositor at the same financial institution), and withdrawals initiated by telephone and consummated by a check mailed to the depositor. There is no limit on the number of deposits that can be made by any method. Fees: An excess withdrawal fee of $5.00 will be charged for each withdrawal or transfer in excess of three during a quarterly statement cycle, if no ATM card has been issued, or in excess of one during a monthly statement cycle.

Money Market Account - Rates Board
Rate information - Your interest rate and annual percentage yield may change. Frequency of rate changes - 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 every month. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $1,000.00 to open this account. Minimum balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction Limitations (per Regulation D): Preauthorized transfers are limited to six per month, no more than three of which may be by check, draft, debit card, or similar order made to third parties. Types of transactions that fall within the six per month limitation are ACH debits and transfer from MMKT savings at the telephone request of the customer made directly to a bank employee. Types of transactions that fall within the three limitation are checks payable to third parties and transactions made with a ATM/Debit (point-of-sale) card. The following types of transfers are permissible in unlimited numbers: preauthorized transfer for the purpose of paying loans at the same institution, transfers or withdrawals made by mail, messenger, ATM or in person (withdrawals and transfers to another account of the depositor at the same institution), and withdrawals initiated by telephone and consummated by a check mailed to the depositor. There is no limit on the number of deposits that can be made by any method. Fees: An excess withdrawal fee of $10.00 will be charged for each check or other withdrawal in excess of six during a statement cycle.

Certificate of Deposit / IRA CD's 
Rate Information - The interest rate on your account is rates with an annual percentage yield of rates. You will be paid this rate until first maturity. Compounding frequency - Interest will be compounded every quarter. Crediting frequency - Interest will be credited to your account every quarter. Minimum balance to open the account - You must deposit $1,000.00 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: You may not make any deposits into your account before maturity. You may make withdrawals of principal from you account before maturity only if we agree at the time you request the withdrawal. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. The maximum amount you can deposit is $3,000.00 annually combined with all other IRA contributions.  Time requirements - Your account will mature ___________________. Early withdrawal penalties: (a penalty may be imposed for withdrawals before maturity) if your account has an original maturity of one year or less - The fee we may impose will equal 30 days interest on the amount withdrawn subject to penalty; if your account has an original maturity of more than one year - the fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death of incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan. Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty. Non-automatically renewable time account - This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity. The minimum term for IRA Certificates is 12 months. See your IRA instructions, application, custodial account agreement and disclosure statement for futher information about your IRA.

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Coverdell Education Savings IRA
Rate Information - The interest rate on your account is rates with an annual percentage yield of rates. You will be paid this rate until first maturity. Compounding frequency - Interest will be compounded every quarter. Crediting frequency - Interest will be credited to your account every quarter. Minimum balance to open the account - You must deposit $100.00 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: You may make no more than 20 deposits of $100.00 each into your account before maturity. The maximum amount you can deposit is $2,000.00 annually. You may make deposits until 7 days before the final maturity date. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. Time requirements - Your account will mature ___________________. Early withdrawal penalties: (a penalty may be imposed for withdrawals before maturity) if your account has an original maturity of one year or less - The fee we may impose will equal 30 days interest on the amount withdrawn subject to penalty; if your account has an original maturity of more than one year - the fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death of incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan. Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty. Non-automatically renewable time account - This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity. The minimum term for Education IRA’s is 12 months. See your Education IRA instructions, application, custodial account agreement and disclosure statement for futher information.

Roth IRA Certificate of Deposit
Rate Information - The interest rate on your account is rates with an annual percentage yield of rates. You will be paid this rate until first maturity. Compounding frequency - Interest will be compounded every quarter. Crediting frequency - Interest will be credited to your account every quarter. Minimum balance to open the account - You must deposit $500.00 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: You may make no more than 6 deposits of $500.00 each into your account before maturity. The maximum amount you can deposit is $3,000.00 annually combined with other IRA contributions. You may make deposits until 7 days before the final maturity date. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. Time requirements - Your account will mature ___________________. Early withdrawal penalties: (a penalty may be imposed for withdrawals before maturity) if your account has an original maturity of one year or less - The fee we may impose will equal 30 days interest on the amount withdrawn subject to penalty; if your account has an original maturity of more than one year - the fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death of incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan. Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty. Non-automatically renewable time account - This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity. The minimum term for Roth IRA’s is 12 months. See your Roth IRA instructions, application, custodial account agreement and disclosure statement for futher information.

Common Features
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

• Check printing (fee depends on style of checks ordered)
• Garnishments & Attorney’s Fees $50.00 / Levies & Attorney’s Fees $50.00
• Overdraft (each debit or check paid) $25.00
• Nonsufficient funds (NSF) item (each) $25.00
• Nonsufficient funds (NSF) ACH (preauthorized withdrawals) $25.00
• Account research (per hour / one hour minimum) $20.00
• Account balancing assistance (per hour / one hour minimum )$20.00
• Stop payments (all items) $25.00
• Deposited checks (and other items) returned unpaid $4.00
• Temporary checks (12 checks) $1.50
• Account activity printout $1.00
• Telephone inquiries to customer service ( if more than 3) each$1.00
• Photocopies $.50
• Credit verification by mail $7.50 / Credit verification by fax $15.00
• Collection Item fee $10.00
• Domestic wire transfers Incoming $10.00 / Domestic wire transfers Outgoing $12.00
• International wire transfers $35.00
• Money Orders and Cashier’s Checks purchased with cash or collected funds
• Money Orders (up to $250.00) $1.00
• Cashier’s checks ($250.00 - $2,999.99) Customer………… $3.00
• Cashier’s checks ($250.00 - $2,999.99) Noncustomer……. $6.00
• Cashier’s checks ($3,000.00 and up) Customer… $7.50
• Cashier’s checks ($3,000.00 and up) Noncustomer.. $15.00
• Replace ATM card $3.00
• First Cash Visa Check Card ( annual fee ) $12.00
• Replace Visa Check Card $5.00
• Notary Public $5.00
• Internet Banking with Bill Pay Option (monthly fee)  $5.00
• Safe deposit boxes (annual fee)
   

  3 X 5	$15.00
  4 X 5	$20.00
  3 X 10	$30.00
  4 X 10	$40.00
  5 X 10	$50.00
  10 X 10	$75.00

• Key deposit for safe deposit boxes $20.00
• Drill fee for safe deposit boxes $75.00
• Contents of Safe Deposit Boxes are not covered by FDIC.
  
  Check cashing policy : There will be a $10.00 minimum charge or 1% of the amount on approved checks, whichever is greater. We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

  First Express 24-Hour Phone Banking
  (972) 285-6467

  ATM - Pulse Banking 24 Hours a Day
  ATM Locations: 917 Military Parkway, Mesquite; 2920 Motley Drive, Mesquite

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