First Bank & Trust Co. offers a variety of Savings accounts for you and your family. We are committed to teaching the children of today the advantage of managing their money wisely.

All savings accounts include:

• FREE Telephone Banking
• FREE Internet Banking
• FREE Mobile Banking

According to Federal Regulations concerning savings and MMDA accounts, there can be no more than six (6) preauthorized transfers and withdrawals to a third party or to another account of yours at the bank.

Note on interest-bearing accounts: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest rate may change at any time at bank's discretion.

For current interest rate information, please contact First Bank & Trust Co.

Account Type	Monthly Service Charge	Minimum Balance To Avoid Service Charge	Number of Free Debits per Month
First Money Market Account More»	$5.00	$2,500	6
First Money Market Account $2,500 deposit to open account Earn a variable rate of interest and rate may be changed anytime at the bank's discretion A $10 fee will be assessed for each additional debit exceeding the 6 allowed. These additional fees may reduce the earnings on this account. Receive monthly statements Contact First Bank and Trust Co. for information on tiered rates
First Savings More»	No charge	None	3
First Savings $100 deposit to open account Earn a variable rate of interest and rate may be changed anytime at the bank's discretion You will have three (3) free withdrawals per month. A $1 charge will be assessed for each additional item after that. These additional charges may reduce the earnings on this account. Interest is compounded monthly and paid monthly Receive quarterly statements
Firstar / First Investor Savings More»	No charge	None	3
Firstar / First Investor Savings Our Firstar Savers & First Investors accounts gives the child the opportunity to deposit money through a School Volunteer each week. Other features include: No initial deposit required; First Bank & Trust will make first deposit of $1 Earn a variable rate of interest and rate may be changed anytime at the bank's discretion Child must be of school age but not than 18 year of age. Make your deposits at any participating school  or at any of our convenient Banking Centers. Two signatures are required to withdraw - One must be Parent's and one must be student's. Both have to be present at time of withdrawal. You may have three (3) free debit transactions per month. A $1 charge will be assessed for each additional item. These additional charges may reduce the earnings on this account. The child's social security number is required to open account.
Education Club Savings More»	No charge	None	0
Education Club Savings $100 deposit to open account Earn a variable rate of interest.  Rate may be changed anytime at the bank's discretion Account styled under the OK Uniform Transfers to Minor Act (UTMA) On account holder's 19th birthday, account reverts back to a regular savings rate. Early withdrawal penalty will be assessed for any withdrawals before child reaches age 18. These additional fees may reduce the earnings on this account: $0 - $500 = $25 $501 - $2,500 = $50 $2,501 - $10,000 = $75 Over $10,000 = $100 Receive quarterly statements