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Starting Out Take smarter first steps into personal banking. 5 Topics

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Checking Account Comparison – South Carolina With over 75 banks located in the state of South Carolina, checking account comparison can be overwhelming. If you live in South Carolina and are looking at opening a checking account, consider stopping in at First Bank. First Bank Checking Account Options First Bank aims to make the process of comparing checking accounts as easy as possible. That is why we offer five different checking accounts, ranging from basic accounts for individuals to specialized accounts for college students and senior citizens. Everywhere Checking Free online and mobile banking, free online bill pay, and free eStatements or paper statements.* Earn rewards when you use your eligible First Bank credit card*** Everywhere Plus Includes all the great features and benefits of Everywhere Checking Earn interest at a minimal balance requirement. Everywhere Premium Includes all the same benefits and features of Everywhere Plus Free member checks or 50% off other check designs 4 free official checks per statement cycle Unlimited out-of-network ATM transactions with no First Bank fee Campus Checking For students under 25 Includes all the benefits of Everywhere Checking No monthly maintenance fees Senior Checking Monthly direct deposit of $250 a month can qualify Seniors (55+) for no monthly maintenance fees**** Includes all the benefits of Everywhere Checking Free basic checks or 50% off other check designs You can also use the checking account comparison chart on our website to find the best checking account for you. Visit First Bank Today Call or visit the First Bank location nearest you. We can help with checking account comparisons and show you why First Bank is the best bank in South Carolina to open a checking account. *While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. ***Loans subject to credit approval. See our Terms and Conditions for complete details on our One Rewards Program. MasterCard, Debit MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated. ****Direct deposit defined as external ACH credit. Transfers from other First Bank accounts or deposits made at a branch do not apply. ——— Sources: Investopedia: http://www.investopedia.com/terms/d/directdeposit.asp Investopedia: http://www.investopedia.com/terms/m/minimum-balance.asp 2 min read

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It’s Never Too Late to Start Your Financial Journey A little financial education can go a long way to help your employees manage their money and plan for the future. This infographic below, lays out some startling facts about why now is the time to boost financial savvy. 1 min read

Mobile Check Deposits from Anywhere Before mobile phones and tablets, checks had to be cashed in person or by mail. Now, mobile check deposits allows you to deposit your checks from anywhere, so long as your mobile device has Internet or cellular service. Most banks provide mobile apps to make the process easier, and First Bank* is no exception. First Bank provides mobile check deposits** for businesses and individuals so that you can deposit a check from anywhere, safely and securely. How Mobile Check Deposits Work Mobile check deposit use digital technology to deposit money into your account. All you need is a smartphone or tablet with a good camera. Here’s how it works: Sign Checks and Find a Flat Surface Even with digital deposits, the back of a check needs to be signed by the account holder. For added security, you can also include a restricted endorsement, such as, “For Mobile Deposit Only” underneath your signature. Next, find a flat, well-lit surface. This will help you get the best possible image. Take Photos Using the App Using the secure camera within First Bank’s mobile banking app snap a picture of the front and back of the check. You’ll see prompts on the screen that will help guide you. Make sure to wait for the camera to focus before taking the picture so that numbers and letters are clear. Deposit multiple checks per day using your mobile app. At First Bank, individuals can deposit up to $5,000 in mobile checks in one day, and business accounts can deposit up to $10,000 per month*. Deposit Your Checks When you press deposit, the pictures of your checks are sent to our databases and reviewed. At First Bank, if you deposit your checks before 6 PM on a normal business day, your funds will appear in your account the next day (if approved). Check Your Email for Verification First Bank sends an email verification for all mobile check deposit transactions for your records. Get More with Mobile Banking First Bank offers comprehensive mobile banking** options for the modern consumer. Our app is available in both the iTunes and Google Play stores, and can be used to deposit checks, transfer funds, manage accounts, stop payments, and link to external 3 min read

First Bank is One of the Top Banks in the U.S.A. When searching for the top banks in the U.S., it is often smarter to work with a small community bank over a national bank. Small banks often have deeper connections to the community and are invested in the success of individuals and businesses. First Bank* is a community bank that provides a wide range of banking services to people living in North Carolina and South Carolina. Make First Bank Your Top Choice Recent data shows that community banking institutions make up 94% of all banks in the United States. This is largely due to the fact that local banks continue to serve an important role for small businesses, agricultural lending and the nation’s overall economic sector. According to Forbes, “Small banks serve the economy well: they provide reasonably safe places for savings and are a source of essential finance for households and businesses.” Since opening our first branch in 1935, First Bank has had a longstanding commitment to providing the right solutions for financial success. Today, First Bank has grown into a progressive bank network that serves people throughout North Carolina and South Carolina. More than 80 years after opening, First Bank’s focus remains the same: to be the best community bank in every community we serve and through every delivery channel we offer. Our Core Values Becoming one of the top banks in the U.S. does not come without creating a distinct mission, vision and set of core values. At First Bank, the following core values are also what differentiate us in a competitive market: Be committed to safety and soundness. Provide accurate, prompt, courteous service. Make it easy for our associates to deliver the best value to our clients, and easy for our clients to do business with us whenever, wherever, and however they choose. Help our clients and associates build and achieve goals. Our Services First Bank offers a wide variety of banking services, including: Personal checking and savings accounts Personal loans and credit Business checking and savings accounts Business loans and credit Mortgages Digital banking Find a First Bank Near You With over 100 locations across NC and SC finding a First Bank near you is simple. Visit our Location Finder and type in your city and state or zip code. Or, 3 min read

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At First Bank we offer the perfect financial tools for you or your business. With over 90 years of local experience we’re here for you.