• Regular Checking
• Club Checking
• Now Account Checking
• Senior Checking
• Disclosure of Account Terms

You deserve preferred treatment. At First Bank of Coastal Georgia, we are
committed to giving you the banking experience you deserve. Our checking
accounts are designed with you, the customer, in mind. With five personal
checking accounts to choose from, we are assured you will find one that fits
your financial life style. Our foremost commitment is to provide you with the flexibility
you need to stay in touch with your money.

Many people bank with First Bank of Coastal Georgia , and here is why:

• Direct Deposit Service
• Overdraft Protection
• MasterMoney Card
• Automated Teller Machine (ATM) access.24-hour access to funds
• Monthly and Quarterly Statements with Check Imaging

REGULAR CHECKING

Basic banking conveniences right at your finger tips!

• $100 minimum deposit to open this account
• $2 monthly account maintenance fee
• $0.15 fee for each debit transaction in excess of 15 during statement cycle
• No fees charged if account maintains a $300 minimum daily balance or $1000 average balance
• Unlimited access to First Bank of Coastal Georgia's ATM
• Monthly statements

CLUB CHECKING

Banking made easy!

• $100 minimum deposit to open this account
• M onthly maintenance fee based on amount of insurance purchased
• $10,000 Accidental Death and Dismemberment Insurance
• No minimum balance required
• No per check charge
• Unlimited Access to First Bank of Coastal Georgia 's ATM
• Monthly statements

NOW ACCOUNT CHECKING

Finally, the best of checking and saving account options combined!

• $1,000 minimum deposit to open this account
• $3 monthly account maintenance fee
• $0.15 fee for each debit transaction
• No fees charged if account maintains a $1,000 minimum daily balance or a $1,500 average balance
• Interest compounded daily, credited monthly
• Unlimited access to First Bank of Coastal Georgia's ATM
• Monthly statements

SENIOR CHECKING

Designed mainly for those age 55 and up, includes free checks!

• $100 minimum deposit to open this account
• No monthly account maintenance fee
• Free supply of personalized checks (First Bank of Coastal Georgia basic, wallet style)
• Unlimited use of First Bank of Coastal Georgia's ATM
• Monthly statement

This disclosure applies to consumer accounts and contains account information about Interest Checking, Senior Checking, Personal Savings, Money Market or Minor Savings.

The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

For Interest Checking, Senior Checking, Personal Savings, Money Market or Minor Savings, the average 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.

Your interest rate and annual percentage yield may change. At our discretion we may change the interest rate on your account at any time. Interest is compounded daily and credited at the close of the statement cycle.

If you close your account before interest is credited, you will not receive the accrued interest.

Interest begins to accrue on the business day your deposit is collected.