First Century Bank Checking Account Statement

Primary account number: 4027650984968 Oct 01, 2020 - Oct 30, 2020 Page 1 of 4

Questions?
KEVIN RICH Available by phone 24 hours a day, 7 days a week:
2715 OLD JEANERETTE RD Telecommunications Relay Services calls accepted

NEW IBERIA, LA 70563 CenturyLine™ 423-626-8711

Toll-Free: 1-800-842-1000
Lost or Stolen Debit Card:
423-626-7261 during business hours
866-546-8273 after business hours*

Online: firstcenturybank.com

Write: First Century Bank

PO Box 159
525 Federal Street
Bluefield, WV-Blufield

You and First Century Bank Account options

Thank you for being a loyal First Century Bank customer. We value your trust A check Octk in the box indicates you have these
in our company and look forward to continuing to serve you with your convenient services with your account(s). Go to
financial needs. wellsfargo.com or call the number above if you have
questions or if you would like to add new services.

Online Banking Direct Deposit

Online Bill Pay Auto Transfer/Payment
Online Statements Overdraft Protection
Mobile Banking Debit Card
My Spending Report Overdraft Service

Summary of accounts

Checking/Prepaid and Savings

Ending balance Ending balance
Account Page Account number last statement this statement
First Century Bank Checking ® 2 4027650984968 1,437.41 2,164.35

Total deposit accounts $1,437.41 $ 2,164.35

(114)
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Primary account number: 4027650984968 Oct 01, 2020 - Oct 30, 2020 Page 2 of

First Century Bank Checking®

Activity summary Account number: 4027650984968

Beginning balance on 010/01 $1,437.41 KEVIN RICH

Deposits/Additions 5,164.36 Arkansas account terms and conditions apply

Withdrawals/Subtractions - 4,437.42 For Direct Deposit use

Ending balance on 010/30 $2,164.35 Routing Number (RTN): 061120084

Overdraft Protection
This account is not currently covered by Overdraft Protection. If you would like more information regarding Overdraft Protection and eligibility
requirements please call the number listed on your statement or visit your First Century Bank store.

Transaction history

Check Deposits/ Withdrawals/ Ending daily

Date Number Description Additions Subtractions balance
10/1 Transfer to Robert Kirk on 010/01 Ref #Rp05Jn5Sqc 150.00 1,287.41
Pay Hotel
10/2 eDeposit IN Branch/Store 010/02/20 11:43:59 Am 203 Deadrick Rd, 343.10 1,630.51
Forrest City AR 72335
10/3 ATM Withdrawal authorized on 010/03/20121 340 Highway 64 W, 70.00 1,560.51
Wynne, AR ATM ID 0460A Card 1271
10/5 311 Check 1,000.00 560.51
10/6 ATM Cash Deposit on 010/06/20 3400 N Washington St, Forrest 1050.00 1,610.51
City, AR ATM ID 0460B Card 1271
10/7 312 Check 481.92 1,128.59
10/8 eDeposit IN Branch/Store 010/08/20 12:41:03 Pm 700 Highway 64 1050.00 2,178.59
E, Wynne, AR
10/9 Online Transfer Ref #Ibe8Rl9L3D to Platinum Card 895.50 1,283.09
xxxxxxxxxxx6475
10/10 Non-WF ATM Withdrawal authorized on 00309009170395187 ATM 40.00 1,243.09
ID 427010 Card 1769
10/15 eDeposit IN Branch/Store 010/15/20 03:15:50 Pm 107 W Cook St, 846.25 2,089.34
Forrest City, AR
10/19 eDeposit IN Branch/Store 010/19/2001:22:15 Pm 1333 W Broadway 343.77 2,433.11
St, Forrest City, AR
10/21 ATM Check Deposit on 010/210/20 1333 W Broadway St, Forrest 749.34 3,182.45
City, AR ATM ID 9916D Card 1271
10/25 ATM Withdrawal authorized on 010/25/20 402 Dr Octtin Luther King 1,800.00 1,382.45
Dr, Forrest City, AR ATM ID 0470K Card 1271
10/27 Bank of America P2P 170728 BRADLEY F PECKLER 601.00 1,983.45
10/29 Online Transfer From Pam D Way2Save Savings xxxxxx5399 Ref 180.90 2,164.35
#Ib05Mvklcs on 010/29/20
Ending on 10/30 2,164.35
balance
Totals $5,164.36 $4,437.42

The Ending Daily Balance does not reflect any pending withdrawals or holds on deposited funds that may have been outstanding on your account when your
transactions posted. If you had insufficient available funds when a transaction posted, fees may have been assessed.

Summary of checks written (checks listed are also displayed in the preceding Transaction history)

Number Date Amount Number Date Amount

312 10/7 481.92 311 10/5 1,000.00
Monthly service fee summary

For a complete list of fees and detailed account information, please see the First Century Bank Fee and Information Schedule and Account
Agreement applicable to your account or talk to a banker. Go to firstcenturybank.com/feefaq to find answers to common questions about the
monthly service fee on your account.

Fee period 010/010/2020 - 010/30/2020 Standard monthly service fee $5.00 You paid $5.00

How to avoid the monthly service fee Minimum required This fee period
Have any ONE of the following account requirements
· Minimum daily balance $500.00 $287.15 3
· Qualifying direct deposit $25.00 $200.00 3
· The fee is waived when linked to a Portfolio by First Century Bank® program with the
First Century Bank Portfolio Checking account or First Century Bank Prime Checking
account.
· The fee is waived when the account is linked to a First Century Bank
Campus ATM or Campus Debit Card
JS/JS

IMPORTANT ACCOUNT INFORMATION

Periodically, it is necessary to update selected sections of the disclosures you received when you opened your account. These updates
provide you with the most up to date account information and are very important; so please review this information carefully and feel
free to contact us with any questions or concerns.

We updated the Consumer Account Agreement ("Agreement"). In the section titled "Available balance, posting order, and overdrafts,"
the following question about our standard overdraft coverage was added:

What is First Century Bank's standard overdraft coverage?

Our standard overdraft coverage is when, at our discretion, we pay checks or automatic payments (such as ACH payments) into
overdraft rather than returning them unpaid. You can request to remove our standard overdraft coverage from your account by
speaking to a banker.

Important: If you remove our standard overdraft coverage from your account, the following will apply if you do not have enough
money in your account or accounts linked for Overdraft Protection to cover a transaction:
- We will return your checks and automatic payments (such as ACH payments) and assess a non-sufficient funds/NSF returned item
fee and you could be assessed additional fees by merchants.
- We will not authorize transactions such as ATM withdrawals or everyday debit card purchases into overdraft.
- We will not authorize certain transactions (such as cashed checks, recurring debit card transactions, or Bill Pay transactions) into
overdraft. However, if these transactions are authorized when your account has enough money but are later presented for
payment when your account does not have enough money, we will pay the transaction into overdraft and charge an overdraft fee.

All other aspects of the Agreement remain the same. If there is a conflict between the language above and the Agreement, this
language will control.

If you remove our standard overdraft coverage and your account is enrolled in Debit Card Overdraft Service, Debit Card Overdraft
Service will be removed and we will not authorize transactions such as ATM withdrawals or everyday debit card purchases into
overdraft.

To learn more about tools that Wells Fargo offers to help you avoid overdraft and/or returned item fees, visit
firstcenturybank.com/checking/overdraft-services, speak with a local banker or call the phone number on the top of your
statement. Thank you for being a First Century Bank customer. As a valued First Century Bank customer we hope you find this
information helpful.

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Primary account number: 4018904835769 Oct 01, 2020 - Oct 30, 2020 Page 4 of 4

Worksheet to balance your account

General statement policies for First Century Bank
Follow the steps below to reconcile your statement balance with your
To dispute or report inaccuracies in information we have furnished to a
account register balance. Be sure that your register shows any
Consumer Reporting Agency about your accounts. You have the right to
interest paid into your account and any service charges, automatic
dispute the accuracy of information that First Century Bank, N.A. has
payments or ATM transactions withdrawn from your account during
furnished to a consumer reporting agency by writing to us at Overdraft
this statement period.
Collection and Recovery, PO Box 159, 1780 North Broad Street, Tazewell,
A Enter the ending balance on this statement. $ TN 37879. Please describe the specific information that is inaccurate or in
dispute and the
B List outstanding deposits and other
basis for the dispute along with supporting documentation. If you believe
credits to your account that do not appear on the information furnished is the result of identity theft, please provide us
this statement. Enter the total in the column with an identity theft report.
to the right. In case of errors or questions about your electronic transfers,
telephone us at the number printed on the front of this statement or write
Description Amount us at First Century Bank, PO Box 159, 1780 North Broad Street, Tazewell, TN 37879
as soon as you can, if you think your statement or receipt is wrong or if you need
more information about a transfer on the statement or receipt. We must hear
from you no later than 60 days after we sent you the FIRST statement on which the
error or problem appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain
Total $ + $ as clearly as you can why you believe it is an error or why you need
more information.
C Add A and B to calculate the subtotal. = $ 3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If
D List outstanding checks, withdrawals, and
we take more than 10 business days to do this, we will credit your
other debits to your account that do not appear
account for the amount you think is in error, so that you will have the use
on this statement. Enter the total in the column of the money during the time it takes us to complete our investigation.
to the right.

Number/Description Amount

Total $

- $

Subtract
E D from C to calculate the
adjusted ending balance. This amount should be
the same as the current balance shown in your
= ©2020 First Century Bank, N.A. All rights reserved. NMLSR ID 399801
register.
$

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