PERSONAL BANKING

	Minimum to open	Monthly Service charge	Balance Needed to Waive Monthly Service Charge	Interest Bearing?	Special Features
Checking and Savings Account Comparison Chart
FREE Checking	$50.00	None	None	No	$300 Bounce Protection limit available

Payroll Advantage Checking	$50.00	None	None	Yes	Higher yield Interest paid monthly if you are an employee of a participating business¹ Up to $10 of non-First American Bank ATM fee reversals per month² Unlimited check writing ability FREE first order of standard checks $300 Bounce Protection limit available
FAB Rewards Checking	$50.00	None	None	Yes	Higher yield interest paid monthly¹ IF BOTH the following criteria are met: (1) you conduct 10 signature debit card transactions during the statement cycle, AND (2) you elect to receive statement only via e-statement within online banking. Up to $10 of non-First American Bank ATM fee reversals per month² Unlimited check writing ability $500 Bounce Protection limit available Limited to one account per person, please
Premium Plus Checking	$50.00	$12.00	Service Charge Waived if you maintain a minimum daily balance of at least $2,500 OR an average collected balance during the statement cycle of $5,000	Yes	Unlimited check writing ability $1,500 Bounce Protection limit available
Investment Checking	$50.00	$12.00	No Service Charge if you maintain a $10,000 minimum daily balance during the statement cycle	Yes	Higher yield Interest is tiered based on the monthly balance in the account. Earnings rates tier at the $10,000, $50,000, $100,000 and $150,000 balance levels³. The interest rate on the Investment Checking Account changes at the beginning of each month and is based on percentages of the 3-Month Treasury Bill rate.³ Unlimited non-First American ATM withdrawals for no fee at any machine within the continental United States FREE incoming and Outgoing Domestic Wire Transfers $1,500 Bounce Protection limit available
Savings	$50.00	$6.00⁴	Service Charge Waived if you maintain a minimum balance of $50 during the statement cycle	Yes	Excellent "starter" account for children.
Presidential Money Market	$50.00	$5.00⁵	Service Charge Waived if you maintain a minimum balance of $1,000 during the statement cycle	Yes	Earnings rates are tiered and increase at the $10,000, $25,000, and $50,000 balance levels.

Benefits of All First American Bank Accounts:

Free Internet Banking
Free Online Bill Payment
Free FinanceWorks personal financial management tools
VISA debit card with no annual fee
24/7 Automated Phone Access line
Free Online Statements
Free Notary Service
Check Images in all statements

¹Higher yield paid on balances between one penny and $25,000 and .15% APY paid on all amounts above $25,000 each cycle the minimum account requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning .15% APY. Rates guaranteed through 12/31/09 but are subject to change thereafter.

²First American does not charge a fee to its customers to use another company's Automated Teller Machine (ATM). First American will automatically reverse fees charged by non-First American Bank ATM owners each statement cycle up to the limit speficied by account type.

³Effective 02/25/09, First American will implement a minimum earnings rate of .750% on all tiers of its Investment Checking Accounts which is subject to change without notice. Effective 04/01/09, First American will implement a maximum earnings rate of 4.000% on all tiers of its Investment Checking Accounts which is subject to change without notice.

⁴With a Savings Account, withdrawals in excess of six per month are $2.00 each

⁵With a Presidential Money Market Account, transfer transactions are limited to no more than six per month. There is a $5 fee per item for excess transactions.