First National Bank

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First National Bank is an independent, community bank, established in 1875. Our goal is to offer the very best personal service to individuals and businesses in Northern Ohio. Our Employees live and work in the communities we serve. They devote their time to coach local sports teams, serve on local not for profit boards, lead scouting groups and get involved in many other community activities. We have a no nonsense approach to financial service. We believe that the most important function of a bank is to provide you with a safe place to keep your money while maintaining a caring customer focused attitude that includes the use of technology to enhance customer products and benefits. We have five (5) convenient offices available to serve you and several ATMs located throughout the area.
We are totally committed to serving the financial needs of each community we serve. We're safe. Were Trustworthy. Were Local. We're "Your Bank of a Lifetime" .

In compliance with the regulation on the Electronic Fund Transfer Act for overdraft services asdeclared by the Federal Reserve’s issuance of amendments to Regulation E, please read this important information about overdraft services.
What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in different ways:
1. We have standard overdraft practices that come with your account.
2. We also offer other overdraft protection plans which may be less expensive than our standard overdraft practices.
To learn more, ask us about:

» What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
· Checks and other transactions made using your checking account number
· Automatic bill paymentsAfter August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
· ATM transactions
· Everyday debit card transactionsWe pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.If we do not authorize and pay an overdraft, your transaction will be declined.
» What fees will be charged if FIRST NATIONAL BANK pays my overdraft? Under our standard overdraft practices
:· We will charge you a fee of up to $ 30.00 each time we pay an overdraft.There is no limit on the total fees we can charge you for overdrawing your account.
» What if I want FIRST NATIONAL BANK to authorize and pay overdrafts on my ATM and everyday debit card transactions?

Now is the time to refinance or purchase that new home with rates at near record lows. Why not get your mortgage loan from a local lender you know and trust?
Equal Housing Lender

Call 1-800-264-4274 to report an ATM/Debit Card lost or stolen after hours.

Beware of Phishing, Vishing and Smishing! PROTECT YOURSELF!
ONLINE FRAUD PREVENTION TIP: The FBI and Banks are warning small business owners and consumers to use two computers. Utilize one computer to handle online banking activities and yet another entirely to surf the web and for email. This approach, while not as convenient, is the best way to prevent malicious software from infecting the computer and makes it much harder to manipulate electronic transfers.

Vishing is the criminal practice of using social engineering over the telephone system, most often using features facilitated by Voice over IP (VoIP), to gain access to private personal and financial information from the public for the purpose of financial reward. The term is a combination of "voice" and phishing. Vishing exploits the public's trust in landline telephone services, which have traditionally terminated in physical locations which are known to the telephone company, and associated with a bill-payer. The victim is often unaware that VoIP makes formerly difficult-to-abuse tools/features of caller ID spoofing, complex automated systems (IVR), low cost, and anonymity for the bill-payer widely available. Vishing is typically used to steal credit card numbers or other information used in identity theft schemes from individuals.
Smishing is a form of criminal activity using social engineering techniques similar to phishing. The name is derived from "SMs PhISHING". SMS (Short Message Service) is the technology used for text messages on cell phones.
Scammers are working hard at trying to fraudulently get consumers money. Please visit the Internet Crime webpage for details of some of the most common scams and protect yourself! http://www.ic3.gov/crimeschemes.aspx
Please visit our webpage at http://www.fnblifetime.com/protect_yourself_from_fraud.asp for details on how to protect yourself.

Want a $25 gift card for the holidays? Ask us how to receive a $25 gift card for referring a friend to First National Bank.

GO GREEN with First National Bank E-Statements!
Ask us about signing up for electronic statements. It's easy and convenient!

These are challenging times. Every day news reports spread misinformation and fear about our nation's economy. And in challenging times, consumers need to stick with the tried and true and the institutions that have served them well.
Community banks are strong, safe, secure and stable financial institutions focused on doing what is best for our customers and communities. A community bank customer's insured deposits are safe in a community bank. No one has ever lost a penny of deposits insured by the FDIC. If you are concerned about the safety of your money, talk to your local community banker to get the straight facts.
New Deposit Insurance Limits
On July 21, 2010 as a result of the Dodd-Frank Wall Street Reform and Protection Act, the FDIC has permanently increased the standard maximum deposit insurance amount to $250,000. You can also read the frequently asked questions on the FDIC website at http://www.fdic.gov/deposit/difaq.html.

Brought to you by ICBA (Independent Community Bankers of America)
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCECOVERAGE FOR TRANSACTION ACCOUNTSAll funds in a "noninterest-bearing transaction account" are insured in fullby the Federal Deposit Insurance Corporation from December 31, 2010,through December 31, 2012. This temporary unlimited coverage is inaddition to, and separate from, the coverage of at least $250,000 availableto depositors under the FDIC's general deposit insurance rules.The term "noninterest-bearing transaction account" includes a traditionalchecking account or demand deposit account on which the insureddepository institution pays no interest. It does not include other accounts,such as traditional checking or demand deposit accounts that may earninterest, NOW accounts, money-market deposit accounts, and Interest onLawyers Trust Accounts ("IOL T As").For more information about temporary FDIC insurance coverage oftransaction accounts, visit ww.fdic.gov.

First National Bank is partnering with Fireland’s Habitat for Humanity to Adopt-a-Day!! Mark your calendars. On Saturday, November 6, 2010, First National Bank will be the official Adopt-a-Day participant at the Fireland’s Habitat for Humanity build site located here in Bellevue at 219 John Street. The project, which began September 11, is the 75th project by Firelands Habitat for Humanity and the very first ever in Bellevue. Many groups have and will continue to volunteer countless hours to see this home built well for the family that will be living there, a family that will be calling BELLEVUE home.

Fridays, 11/5 and 11/12, Saturdays 11/6 and 11/13 and Sunday, 11/7
Pippin, presented by the Bellevue Society for the Arts and sponsored by First National Bank. Fridays and Saturdays at 7:30 p.m. and Sunday at 2:30 p.m. at the Bellevue Society for the Arts complex located at 205 Maple Street, Bellevue. Call 419-484-ARTS for more information and to reserve tickets.
Friday 12/3, Saturday 12/4 and Sunday 12/5
Victorian Christmas Candlelight Dinners in the Wright Mansion at Historic Lyme Village from 6:00 to 9:00 p.m. on Friday and Saturday; 1:00 p.m. to 4:00 p.m. on Sunday. Enjoy music and a four-course meal in the beautifully decorated Wright Mansion for $49 per person ($45 for HLV members). Tickets are limited and must be purchased in advance. Please call 419-483-4949 or 419-483-1084 for reservations/more information.

Christmas of Yesteryear from 5:00 to 9:00 p.m. at Historic Lyme Village. Candlelight and Lantern Tours of the village grounds decorated for Christmas. Tickets are $5/adults; $3/children ages 6-12; Free for children 5 and under. Please call 419-483-4949 for details.
Port Clinton Area

Tuesday November 9th
Port Clinton High School open for walkers – Walkers should be at the high school between 8:15am and 8:30 am every Tuesday and Thursday mornings. For information contact Jan Gluth, at 419-732-2102
WATER AEROBICS – Danbury Local Schools is offering class from 6:00pm to 7:00pm Monday and Wednesday evening. Fee is $4.00 per class. For more information contact Mrs. Henninger after 3:00 pm Monday thru Thursday at 419-798-5185

BABIES AND BOOKS – 20 25 minutes of stories, songs for children ages 6 months to 23 months with a caregiver, November 10th at 10:30 am and 6:00 pm at the Ida Rupp Public Library, Port Clinton for information call 419-732-3212 Thursday

Cholesterol, pressure, and sugar checks – Magruder Hospital will offer a full cholesterol check as well as blood pressure and blood sugar for $16.00 on beginning at 1 pm. Appointments for this can be made by calling 419-734-3131 ext, 3420. For information on events and screenings go to Magruders website at www.magruderhospital.com
November 12th and 13th
TWELVE ANGRY JURORS – Harlequins Coach House Theatre, Sandusky, OH – Presents Reginald Rose’s Award-winning classic drama. Based on the classic film. November 12, 13 curtain times 8 pm Friday and Saturday, Tickets 10.00 call 419-621-7311

FEATHER PARTY – Saturday November 13th Port Clinton Firefighters Association Free Admission, Doors open at 6pm, first spin 630 pm
November 17th and 18th

Audubon Kids Nature Club-At Enchanted Cottage/E. Sandusky Bay Metro Park4011 Cleveland Road, Sandusky

Christmas Tree Lighting Ceremony Downtown Sandusky-Visit Santa at his house.Lights remain on through December 31 .

November 26-December 31 - 5:00 pm-10:00 pm daily Firelands Festival of Lights Sawmill Creek Resort, Huron. Santa will be at the Candy Cane House each evening through December 23. 9:00 am-3:00 pm

Christmas Open House Berlin Fruit Box Company -51 Mechanic St, Berlin Heights. Free refreshments. For more information call 888-905-1858 or visit www.SamuelPattersonBaskets.com

Holiday Policy For holidays falling on Saturday, we will be open the preceding Friday. For holidays falling on Sunday, we will be closed the following Monday.

"First National Bank has elected to participate in the FDICs Transaction Account Guarantee Program. Under that program, through December 31, 2010 all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDICs general deposit insurance rules."