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First National Bank Liberal & Hugoton MAY, 2010 April Showers bring May flowers! Free Annual Credit Reports The First National Bank Lots of companies are try- As required by law to pro- plete the form and mail and all Branches will be ing to sell credit reports to vide the public with their it to: people and it gets confus- free annual credit report, the Annual Credit Report CLOSED ing as to which one is offi- official website for the three Request Service Monday cial. You can obtain only nationwide credit bureaus is: P. O. Box 105281 one free credit report a www.annualcreditreport.com Atlanta, GA 30348-5281 May 31, 2010 year from each of the three nationwide credit bureaus, To request your credit report For Your reports will be but you do not have to by phone, call: Memorial Day! mailed to you within 15 order the reports from all 1-877-322-8228 days after your request three credit bureaus at the is received. Please allow There will be a simple verifi- same time. You can order 2 to 3 weeks for deliv- cation process over the one from Transunion and a ery. phone. Your reports will be few weeks or months later mailed to you within 15 order one from Equifax, Only the Central Source, days, but allow 2 to 3 weeks and then later one from and its members— for delivery. Experian, if you want to Equifax, Experian and spread out the reports. You may also request your Transunion, have been credit report by mail. You While the credit report is authorized by law and will need to download the free, if you want your the government to pro- request form at the sight credit score, you will have vide free credit reports. listed above, print and com- to pay for that. EFFECTIVE JUNE 28, 2010 REFLECTIONS • Blessed is he who for- gives without remem- ATM TRANSACTIONS bering and who re- ceives forgiveness AND without forgetting. ONE-TIME DEBIT CARD (POINT OF SALE) TRANSACTIONS • Go outside every day. Miracles are waiting WILL BE DECLINED everywhere. Regina Brett IF THERE IS NOT ENOUGH MONEY IN THE ACCOUNT AT THE TIME OF • When you were born, THE TRANSACTION. OVERDRAFT PRIVILEGE WILL NO LONGER BE you cried and the world AVAILABLE TO COVER THESE TRANSACTIONS. rejoiced. Live your life in such a manner that Due to recent Regulation E changes mandated by the Federal Reserve, when you die, the this will protect our customers from incurring overdraft fees for these world cries and you rejoice. Indian Proverb types of transactions. • Like the tide, some things arrive in their own mysterious hour, CONGRATULATIONS GRADUATING SENIORS! on their own terms and not yours, to be seized What an exciting time! or relinquished forever. Godwin As you enter the next chapter in your life, all of us at the • No one is in charge of First National Bank wish you the very best your happiness except you. Regina Brett in all your endeavors. • A happy memory never Reach for the stars! wears out. First National Bank Liberal/Hugoton First National Bank Awards Two Scholarships! Main Bank Hugoton Branch 1700 N. Lincoln 502 South Jackson On April 19, 2010, at the Liberal High School Academic Liberal, KS 67901 Hugoton, KS 67951 (620) 624-1971 (620) 544-8908 Awards Banquet, the First National Bank of Liberal Express Bank Money $ Mart awarded two $250 scholarships to two of Liberal’s 4th & Lincoln 250 E. Tucker Road graduating High School Seniors! Liberal, KS 67901 Liberal, KS 67901 (620) 626-1359 (620) 624-2700 Blake Abbott Express Bank South 930 S. Kansas Adriana Vasquez Liberal, KS 67901 (620) 624-1888 Congratulations! MEMBER FDIC EQUAL OPPORTUNITY LENDER ATTENTION: ONLINE BANKING CUSTOMERS This newsletter is being provided as a ser- vice to our customers to keep you in- formed of events taking place in the bank The next time you go into Online Banking, and the banking industry. We hope you enjoy it! Please go to If you have any comments or suggestions, USER OPTIONS please let us know! and verify your email address If you would like to receive the monthly newsletter via e-mail, please contact: to ensure that you receive Jana Jantzen at: firstname.lastname@example.org notifications in a timely manner. Thank you for your assistance! Calendar of Events FDIC TRANSACTION ACCOUNT GUARANTEE May 6 National Day of Prayer PROGRAM 7:45 am—Prayer at the Flag Pole at FNB The First National Bank of Liberal has chosen to May 8 SCCC*ATS Graduation participate in the FDIC’s Transaction Account May 9 Mothers’ Day Guarantee Program. May 20 FPC Music Makers Perform at 3:00 pm Non-interest-bearing checking accounts are fully guaranteed Wheatridge Park Care by the FDIC for the entire amount in the account through Center December 31, 2010. The guarantee also applies to IOLTA May 23 LHS Graduation Accounts and NOW Account. Effective July 1, 2010, the maximum interest rate limit for IOLTA Accounts and NOW May 26 Last day of school! Accounts will be lowered from 0.50% to 0.25%. May 27 Chamber After Hours 5:00—7:00 pm In this uncertain environment, we know the FDIC protection is Wheatridge Park Care important, and we wanted to provide you with this extra Center May 31 Memorial Day Holiday protection and assurance that your money is safe. June 20 Fathers’ Day If you have Sweep Accounts that result in funds being June 25 Relay for Life Event transferred or reclassified to an interest-bearing account or a non-transaction account, such as an automatic transfer from a checking account into a Money Market Account, those funds are no longer eligible for the full guarantee provided under the Transaction Account Guarantee Program.
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