The Bankers Dozen Program Details

1. Minimum opening deposit of $100 waived for Banker's Dozen participants.  Other account related services charges apply.

2. Some restrictions apply.  See any personal banker for full details and exclusions.

3. Normal credit standards apply.  Ask for further details.

4. $6.95 per month for your first 10 months and $.40 per payment thereafter.  If you maintain a $5,000 balance in one of the following accounts, there is no charge:  Checking, Savings, or Treasured CD.  Checking account is required.

5. Normal credit standards apply.  Ask for further details.  Interest rate based on credit history.  Proof of insurance may be required.

6. Subject to availability.

7. *First Citizens Trust Company, N.A., is a subsidiary of First Citizens National Bank.  Securities provided by First Citizens Trust Company are not deposits of the bank, are not FDIC insured, and have not financial institution guarantee, and may lose value.

*First Citizens Trust Company, N.A. is a subsidiary of First Citizens National Bank.  Securities provided by First Citizens Trust Company are not deposits of the bank, are not deposits of the bank, are not FDIC insured, have no financial institution guarantee, and may lose value.