First Metro Bank customers who are fifty years of age and better are important to us. We respect your financial experience and we value your relationship with us. For this reason, we have an account designed especially to meet your needs - First Friends.

First Friends is an account which includes the banking services you're most likely to use, plus extra benefits - exclusively for our customers fifty and better.

First Friends members earn interest on any checking balance, are eligible for preferred CD rates, get free wallet checks, and that's only the beginning!

First Friends Benefits

• $100.00 deposit required to open
• Interest paid on positive balance
• No monthly service charge
• No minimum balance
• Unlimited check writing
• Free wallet checks
• Free ATM or Check card
• Overdraft Privilege^SM (Restrictions apply‡)
• Free online banking with online Bill Payment
• Free telephone banking: 383-MATT (6288)
• No service charge for Official checks
• No service charge for Travelers checks
• 25% discount on safe deposit boxes
• Discount on First Metro Priority Account
• Direct deposit/Draft conversion assistance
• Large print statement images on request
• Photocopy service at no charge for important documents
• Group travel services
• Exclusive Members-only social events
• Exclusive Members-only luncheons and seminars

‡ Overdraft Privilege^SM Limit Notice

1. The fee or fees for the payment of each overdraft?
   Our normal fees and charges including, without limitation, are non-sufficient funds (NSF) or overdraft (OD) fees; currently $30 per non-sufficient funds or overdraft item, as set forth in our fee schedule, will be charged for EACH transaction initiated for payment from your checking account that does not have sufficient collected funds. We will charge our normal NSF/OD fee whether we approve an overdraft item for payment or return it unpaid.
2. The categories of transactions for which a fee for paying an overdraft may be imposed?
   The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
3. The time period by which the consumer must repay or cover any overdraft?
   We reserve the right to require you to pay your outstanding overdraft (negative) balance, including our fees, immediately or on demand.
4. The circumstances under which the institution will not pay an overdraft?
   We may refuse to pay an overdraft at any time, even though your account is in good standing and even though we may have previously paid overdrafts to you. We have no obligation to notify you before we pay or return any item.

* Overdraft Privilege is a service mark of Strunk and Associates