B a la n c e y o u r a c c o u n t i n f i v e e a s y s t e p s

CHECK CHECK

1
NUMBER AMOUNT NUMBER AMOUNT Enter here the last
balance shown on the
front of this statement.

Write here the deposits $

$

2
you’ve entered in your check-
book but not yet shown $
on this statement, and en- $
ter the total of these here.

3 Total of lines 1 and 2.

In the space provided at the

left, list all checks you have

4
issued and entered in your
checkbook but which have $
not been returned with this
statement and enter total here.

Subtract line 4 from line

5
3. Compare to checkbook
balance. It should agree $
with this total.

24-hour telephone banking. Check your balance, get account information

or transfer funds anytime, day or night. Call the FNB Infoline at 1-866-445-4484.
You must examine your statements and items with reasonable promptness after we send or make them available to you. If you find an unauthorized
signature or alteration, you must notify us promptly and in any event not later than 30 days from when we send or made your statement and items
available to you. If you do not satisfy both of these requirements, then: (1) you cannot assert the unauthorized signature or alteration against us,
even if we are unable to show a loss due to your failure, and (2) you cannot assert any unauthorized signatures or alterations by the same wrong-
doer on items paid by us after the reasonable time mentioned above elapses, but before we receive your notice. We lose these protections if we
fail to exercise ordinary care in paying an item with an unauthorized signature of alteration, unless you do not notify us of the problem within 60
days of when we send or make available to you the statement and items. You must report any other problem (e.g., erroneous statement or
passbook entry, missing signature, unauthorized endorsement, etc.) within this 60 day period or lose your right to assert the problem against us. If
the error is an electronic funds transfer (‘EFT’) point of sale card transaction, the same notification time frames apply as listed above. After notifica-
tion of the error we will investigate and would tell you the results of our investigation within 5 business days after we hear from you and will correct
any error promptly. You account would be recredited within 5 business days for the amount you think is in error, so that you will have the use of the
money during the time it takes us to complete our investigation.

In case of errors or questions about your electronic transfers, call or write us at:
(580) 762-2265 (580) 628-2265 (405) 848-2001
First National Bank of Oklahoma First National Bank of Oklahoma First National Bank of Oklahoma
1501 E. Prospect 101 W. Grand 5625 N. Western Ave.
Ponca City, OK 74604 Tonkawa, OK 74653 Oklahoma City, OK 73118

If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.
We must hear from you no later than 60 days after we send the FIRST statement on which the error or problem appeared. (1)
Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about, and explain as clearly
as you can why you believe there is an error or why you need more information. (3) Tell us the dollar amount of the suspected
error. We will investigate your complaint and will correct any error promptly. If we take more than ten business days to do this,
we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes
us to complete our investigation.