12/28/09
UNLAWFUL INTERNET GAMBLING NOTICE
Effective immediately your account terms and conditions are amended to include the following: Restricted transactions as defined by Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, eletronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.

11/25/09
EFFECTIVE JANUARY 01, 2010
Overdraft/NSF fee will increase to $25.00 and the daily overdraft fee will increase to $3.00.

11/25/09
ACH DEBITS/CREDITS
Effective January 01, 2010 we will no longer be mailing notices of ACH debits/credits. This information can be obtained on www.fnbchrisman.com; telebanking at 1-866-400-2307; on your monthly statement or phone the bank at 217-269-2307.

11/16/09
NOTICE
After December 31, 2009, funds held in noninterest-bearing transaction accounts, exceeding $250,000.00, will no longer be guaranteed in full under the Transaction Account Guaranteed Program, but will be insured up to $250,000.00 under the FDIC's general deposit insurance rules.

6/9/09
NEW FDIC INSURANCE COVERAGE
The standard insurance amount currently is $250,000 per depositor. The $250,000 limit is permanent for IRAs and other certain retirement accounts. The $250,000 limit is temporary for all other deposit accounts through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

3/24/09
DEBIT/CREDIT CARD PHISHING SCAMS
First National Bank of Chrisman or any of its affiliates will NEVER request your card number or PIN number through an email or phone call. DO NOT RESPOND TO ANYONE REQUESTING THIS PERSONAL INFORMATION. If you have any questions, please contact First National Bank at 217-269-2307.

7/1/08
NOTICE TO DEBIT CARD HOLDERS
VISA cardholders are able to do transactions not requiring a PIN that are supported and routed through a PIN network. The networks that support PINless transactions for First National Bank of Chrisman are NYCE and Pulse. PINless debit on a PIN-Debit Network PINless debit transactions are not covered by the provisions of the VISA cardholder agreement since these are non-VISA transaction. An example of a PINless debit would be a bill payment transaction; in initiating payment directly with the biller, your identity is verified using known information instead of the use of a PIN. PINless debit on the VISA Network To initiate a PIN less debit transaction that is routed via VISA, you may take action such as signing a receipt, providing your debit card number over the phone or via the internet, or swiping your card through a point-of-sale terminal. If you have any question please call us at 217-269-2307 Member FDIC NOTICE TO DEBIT CARD HOLDERS NOTICE TO DEBIT VISA cardholders are able to do transactions not requiring a PIN that are supported and routed through a PIN network. The networks that support PINless transactions for First National Bank of Chrisman are NYCE and Pulse. PINless debit on a PIN-Debit Network PINless debit transactions are not covered by the provisions of the VISA cardholder agreement since these are non-VISA transaction. An example of a PINless debit would be a bill payment transaction; in initiating payment directly with the biller, your identity is verified using known information instead of the use of a PIN. PINless debit on the VISA Network To initiate a PIN less debit transaction that is routed via VISA, you may take action such as signing a receipt, providing your debit card number over the phone or via the internet, or swiping your card through a point-of-sale terminal.