AimBank / FNB Merger Booklet...FNB New Mexico's, A Division of AimBank, mission is to serve the...

NEW MEXICO A Division of AimBank

September 18, 2019

DEAR NEW FRIENDS AND CUSTOMERS:

Please allow us to welcome you to the Aim Bank Family of Brands. We are excited that FNB New Mexico is becoming a part of the AimBank family. We truly believe we are "Better Together." These are exciting times as Texas and New Mexico come together under the Aim Bank Family of Brands. The name and locations of the FNB New Mexico branches will stay the same, but you will now have access to the additional products and services offered by Aim Bank including 18 new locations in Texas and an extensive ATM network.

FNB New Mexico will continue to deliver the same superior customer service that you have come to expect. For the past six months, your friends at FN B New Mexico and Aim Bank have been working together to ensure a seamless transition with minimal interruptions to your daily banking routines.

The most visible part of this transition begins the weekend of October 18th. You'll find details regarding the merger weekend throughout this Welcome Guide, as well as on our website. Please take the time to carefully read through the information provided to help you better understand how this merger will affect your accounts and services and help make this move a more positive experience.

Below are a few key dates and details to keep in mind:

• FN B New Mexico will join the Aim Bank Family of Brands on Friday, October 18th.

• Merger weekend will begin the evening of Friday, October 18th through the morning of Monday, October 21st.

• Online Banking will be in view only mode during the merger weekend.

All of us at FNB New Mexico and Aim Bank are committed to a smooth process during this transition for all of our customers, employees, and communities. If you need assistance, please visit any of our locations or call us at 800-951-2903.

We appreciate your patience during this process and thank you for your trust in FNB New Mexico and AimBank. We look forward to serving our friends in New Mexico and Texas.

Sincerely,

?~~~ Scott Wade Craig Reeves CEO, Aim Bank CEO, FNB New Mexico

ABOUTTHEAIMBANK FAMILY OF BRANDS Aim Bank was originally chartered on September 19, 1925. Since then, Aim Bank has grown into a Family of Brands, including AimBank, AimMortgage, and FNB New Mexico. Today, AimBank's total assets exceed $1.5 Billion. Our largest stockholder is our employees. AimBank's Family of Brands has locations in Abilene, Amarillo, Dalhart, Farwell, Levelland, Littlefield, Lubbock, Miami, Midland, Muleshoe, Odessa, Pampa, Plains, Shamrock, Snyder, and Wolfforth, Texas, and Angel Fire, Clayton, Logan, Raton, Santa Rosa, and Tucumcari, New Mexico.

OUR MISSION STATEMENT FNB New Mexico's, A Division of AimBank, mission is to serve the communities that we influence with exceptional customer service, stability, character, and an unparalleled banking experience.

OCTOBER 18, 2019

WE WELCOME FNB NEW MEXICO TOTHEAIMBANK FAMILY OF BRANDS!



IMPORTANT DATES

Week of October 14th:

• Expect your new FNB New Mexico debit card to arrive in the mail in a very plain-looking envelope.

• You can activate and start using the new card on Monday, October 21st at 10:00 am (MDT).

Prior to October 18th:

• Download, print, or save any Online Bill Pay history you will need immediate access to.

• Download, print, or save any e-statements you will need immediate access to.

• Note any recurring "variable" payments that you have set up in Online Bill Pay.

F'riday, October 18th:

• FNB New Mexico will join the AimBank Family of Brands.

• Merger weekend will begin.

• Your local FNB New Mexico location will close at 5:00 pm (MDT).

• Online and Mobile Banking will be in view only mode beginning at 3:00 pm (MDT).

• Our FNB New Mexico LPO office in Albuquerque will close.

• FNB Dalhart, a Branch of FNB New Mexico, will reopen as an Aim Bank location.

routing number will change to the

• You may continue to use your existing FN B NewMexico checks indefinitely, and debit cards untilOctober 21st.

Monday, October 21st:

• FNB New Mexico customers may access their accounts at any FNB New Mexico or AimBank location.

• Your FNB New Mexico debit card will stop working at 10:00 am (MDT).

• Call to activate your new FNB New Mexico debit card at 866-619-0245.

• If you misplace your new FNB New Mexico debit card, please contact us and we can mail you a new one, or you can visit one of our locations in Angel Fire, Clayton, Raton, Santa Rosa, or Tucumcari to receive a new debit card.

• Online, Mobile, Telephone, and Text Banking will be restored.

• Call to activate your new FNB New Mexico telephone banking at 888-692-4622. Have your (primary account holder) Social Security number and account numbers ready.

• Download the AimBank Mobile App for iPhone or Android.

• Merger complete.

Sun Mon

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20 21

OCTOBER 2019 Tues Wed Thur Fri Sat

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15 16

22 23 24 25 26

29 30 31

OCTOBER 2019 Sun Mon Tues Wed Thur Fri Sat

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20 21 22 23 24 25 26

27 28 29 30 31


FREQUENTLY ASKED QUESTIONS

When is the merger weekend? Merger weekend will begin the afternoon of Friday, October 18th and continue through the morning of Monday, October 21st.

Will my debit card work during the merger weekend? Yes, your current FN B New Mexico card will work through the merger weekend. It will stop working on Monday, October 21st at 10:00 am (MDT). At this time, you may activate and begin using your new FNB New Mexico debit card. Please see Debit Card Changes section for details.

What will happen to my Online Banking? Online Banking will be in view only mode during merger weekend. Your new FNB New Mexico Online Banking will be available Monday, October 21st. Please see Online Banking - Login section for details.

Will my account change in any way? Yes, your account type will change to the most similar AimBank Family of Brands type of account. Please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at fnbnm.bank. We are happy to assist you in selecting a different type of account if you are not satisfied with your new account.

Will F'NB New Mexico be open normal business hours during the merger? FNB New Mexico locations will be open on Friday, October 18th and Monday, October 21st during normal business hours to assist you.

Need customer service assistance? If you need any assistance, please visit any of our locations or call 1-800-951-2903.

ONLINE & MOBILE BANKING

Online Banking Online Banking will be in view only mode during the merger weekend beginning at 3:00 pm (MDT) Friday, October 18th through 10:00 am (MDT) Monday, October 21st. We appreciate your patience as we believe this merger will allow us to serve you better in the future.

Funds Transfers Funds Transfers scheduled to process before October 18th will process normally.

✓ Make note of recurring transfers set up in your Online Banking; these will not automatically transfer and will need to be set up in your new FN B New Mexico Online Banking.

Bill Pay Your scheduled Bill Pay payments will process normally; however, they will be unavailable for editing while Online Banking is in view only mode. Once Online Banking has been restored, your existing payees will still appear and you will have access to make any changes to your scheduled Bill Payments as usual. Contact us if you do not see your scheduled Bill Payments and we can link them to your new Online Banking profile.

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✓ Make note of your scheduled Bill Payments set up in your Online Banking for quick access over the merger weekend.

Check & Statement Images Check and statement images from your previous Online Banking will not be available once Online Banking has been restored. Please contact us if you need access to old check or statement images.

✓ Download any statements you may need in the future prior to October 18th at 3:00 pm (MDT).

Mobile Banking Mobile Banking will be in view only mode over the merger weekend. Once Online Banking services are restored, you will be able to download your new Aim Bank Mobile Banking app. You can search for the app using FNB NM or Aim Bank.

If you need assistance regarding the merger, please visit one of our locations or call 800-951-2903.


October 1eth - October 21st

3:00 pm (MDT) Online Banking will be in view

only mode

Merger weekend 10:00 am (MDT) You can log in to in your new FN B

New Mexico Online Banking

October 18th — October 21st

3:00 pm (MDT) Merger weekend 10:00 am (MDT) Online Banking will be in view You can log in to in your new FNB

only mode New Mexico Online Banking

DEBIT CARD CHANGES

Pre-Merger You will receive your new FNB New Mexico debit card with a new card number in the mail shortly before the merger (week of October 14th). Watch for this to arrive in a plain-looking envelope.

Merger Weekend Your FNB New Mexico debit card will continue to work throughout the merger weekend. Transactions made on your debit card will reflect in your available balances beginning Friday, October 18th - Monday, October 21st.

✓ We encourage you to keep an account ledger.

✓ We encourage you to have a back-up payment method (e.g., cash) for any unforeseen circumstances.

Merger Complete: Monday October 21st - 10:00 am (MDT) Your current FN B New Mexico debit card will stop working.

✓ Call to activate your new FN B New Mexico debit card at 866-619-0245.

✓ Update any recurring payments with your new FNB New Mexico card information.

If you misplace your new FN B New Mexico debit card, please contact us and we can mail you a new one, or you can visit one of our locations in Angel Fire, Clayton, Raton, Santa Rosa, or Tucumcari to receive a new card.

ONLINE & MOBILE BANKING

Online Banking Online Banking will be in view only mode during the merger weekend beginning at 3:00 pm (MDT) Friday, October 18th through 10:00 am (MDT) Monday, October 21st. We appreciate your patience as we believe this merger will allow us to serve you better in the future.

Funds Transfers Funds Transfers scheduled to process before October 18th will process normally.

3 Make note of recurring transfers set up in your Online Banking; these will not automatically transfer and will need to be set up in your new FNB New Mexico Online Banking.

Bill Pay Your scheduled Bill Pay payments will process normally; however, they will be unavailable for editing while Online Banking is in view only mode. Once Online Banking has been restored, your existing payees will still appear and you will have access to make any changes to your scheduled Bill Payments as usual. Contact us if you do not see your scheduled Bill Payments and we can link them to your new Online Banking profle.

3 Make note of your scheduled Bill Payments set up in your Online Banking for quick access over the merger weekend.

Check & Statement Images Check and statement images from your previous Online Banking will not be available once Online Banking has been restored. Please contact us if you need access to old check or statement images.

3 Download any statements you may need in the future prior to October 18th at 3:00 pm (MDT).

Mobile Banking Mobile Banking will be in view only mode over the merger weekend. Once Online Banking services are restored, you will be able to download your new AimBank Mobile Banking app. You can search for the app using FNB NM or AimBank.

If you need assistance regarding the merger, please visit one of our locations or call 800-951-2903.

FIRST-TIME TO LOGIN TO YOUR NEW FNB NEW MEXICO ONLINE BANKING

You can access your new Online Banking at fnbnm.bankstarting on Monday, October 21st at 10:00 am (MDT).

✓ You MUST complete these instructions in our Online Banking system in order to gain access to your accounts.

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If you need any assistance, please visit one of our locations or call 800-951-2903.

ONLINE BANKING

As a new member of the AimBank Family of Brands, there are many benefits of our Online Banking platform. You can access your NEW Online Banking profile and account(s) through our website fnbnm.bank or login from our Aim Bank MobileApp!Your login name will remain the same as your current FNB New Mexico User Name.

Your FNB New Mexico Online Banking will be in view only mode beginning Friday, October 18th at 3:00 pm (MDT). You will be able to log in to our new Online Banking system on Monday, October 21st at 10:00 am (MDT). We apologize for any inconvenience and ask for your patience while we move your current account information over to your new FNB New Mexico, a Division of Aim Bank, Online Banking platform.

To login for the first time follow the steps below:

Visit fnbnm.bank or download our Aim Bank mobileapp.

Type in your Login ID and click "go" if logging in from the website.

You will not enter a password for the first login. Instead, select, "I am a new user."

Choose a delivery method for your Secure Access Code and enter the code when you receive it.

You will then be prompted to choose a password and are now set up for Online/Mobile Banking!

Download our AimBank Mobile App, available in the App Store for iOS devices or Google Play store for Android, to enjoy all these benefits and more:

• Face ID and/or Touch ID for iOS and Android devices

• 4 Digit Passcode

• Mobile Check Deposit - Deposit checks up to $3,000.00 without having to drive to one of our locations!

We hope that you enjoy your new online/mobile banking functionality with FNB New Mexico, A Division of Aim Bank. Our secure on line banking system is the most convenient way to access your accounts wherever you are located.

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ACCOUNT INFORMATION

Your account will remain at FNB New Mexico, but will be a part of the Aim Bank Family of Brands on close of business on October 18, 2019.

Account Numbers The vast majority of account numbers for FNB New Mexico customers will not change. We have discovered a small amount of duplicate account numbers in our pre-merger discovery efforts. If you have a duplicate account number, we will contact you to accommodate your account prior to the transition date and will assist you in every way possible.

Account Type Your FNB New Mexico account type will change to the most similar AimBank Family of Brands account type. For new account types, please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at fnbnm.bank.

We are happy to assist you in selecting a different type of account if you are not satisfied with your new account.

Account Checks You will continue to use your existing FNB New Mexico checks indefinitely. We will be glad to assist you with future check orders when your current checks run out.

Account Drafts Existing account drafts will automatically transfer over with your accounts.

Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed automatically. Any items that are presented with FN B New Mexico's prior routing number will be automatically re-routed to the Aim Bank Family of Brands routing number.

Certificates of Deposits (CDs) CD's Annual Percentage Yield (APY) and maturity date will not change on existing accounts. When your CD matures, it will automatically renew unless otherwise requested. The interest rate and annual percentage yield that will apply upon renewal are not yet determined. Prior to maturity, you will receive a notice stating your CD is maturing and you may call us during regular business hours to obtain the APY.

FDIC Insurance Coverage In the event that you have accounts at FN B New Mexico, and Aim Bank that combined exceed $250,000, the FDIC has a special rule that says when two banks merge, a customer's deposits will be considered separately insured - as if the two banks are still operating separately - for 6 months after the merger. This will apply until April 18th, 2020. After this date, FN B New Mexico will be a division of AimBank. Divisions of AimBank are not separately FDIC-insured banks and the FDIC coverage extended to deposit customers will be that of one insured bank.

For CD's the FDIC allows the separate deposit insurance coverage to continue all the way to maturity date of the CD. We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250,000.

If you need any assistance, please visit us at any of our locations or call 800-951-2903.

LOANS

Your loans will remain at FNB New Mexico, but will be a part of the Aim Bank Family of Brands on close of business on October 18, 2019. The Annual Percentage Rates (APRs) and other terms, such as payment due dates, maturity dates, etc., will not change.

Loan decisions on new loan requests will still be made locally!

Loan Numbers The vast majority of loan numbers for FNB New Mexico customers will not change. We have discovered a small number of duplicate loan numbers in our pre-merger discovery efforts. If you have a duplicate loan number, we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible.

Loan Payments Please see below for available payment options:

• Can be made through our Online Banking system.

• Can be made at any FNB New Mexico or Aim Bank location.

• Can be mailed (see our Locations section for a list of addresses).

• Can be set up on auto draft. Previously set up auto drafts will continue to work as before.

PERIODIC BANK STATEMENTS

• Due to the merger, you will receive a final statement from FN B New Mexico prior to joining the Aim Bank Family of Brands dated October 18, 2019, by mail.

• Your statement method of delivery will remain the same. All checking account statement cycles will be End of the Month starting October 31, 2019.


FNB NEW MEXICOANDAIMBANK LOCATIONS

You will continue to have access to all your current FNB New Mexico locations, plus 18 additional AimBank locations to better serve you.

FNB New Mexico Locations:

#1 First National Place Angel Fire, NM 87710

201 Main St Clayton, NM 88415

301 South US Highway 54 Logan, NM 88426

1104 S. Second St Raton, NM 87740

2458 Historic Route 66 Santa Rosa, NM 88435

101 East Route 66 Blvd Tucumcari, NM 88401

AimBank Locations:

3910 S. Treadaway Blvd Abilene, TX 79602

5701 Time Square Blvd. Suite 120Amarillo, TX 79119

219 E. 7th St Dalhart, TX 79022

801 Avenue A Farwell, TX 79325

110 College Ave Levelland, TX 79336

102 Waylon Jennings Blvd Littlefield, TX 79339

337 Phelps Ave Littlefield, TX 79339

650619th St Lubbock, TX 79407

3004 Slide Rd Lubbock, TX 79407

100 S. Main St Miami, TX 79059

1111 W. Wall St Midland, TX 79701

101 W. American Blvd Muleshoe, TX 79347

7281 Tres Hermanas BlvdOdessa, TX 79765

1224 N. Hobart St Pampa, TX 79065

1505 US Hwy 82 Plains, TX 79355

305 N. Main St Shamrock, TX 79079

4704 College Ave Snyder, TX 79549

702 Donald Preston Dr Wolfforth, TX 79382


BE READY

Ways to Prepare for the Merger Weekend

Here is a helpful To-Do list:

✓ Download any statements dated prior to October 18th that you may need access to in the future. You may contact us if you need access to them after October 18th.

✓ Make note of your scheduled Bill Pay payments set up in your Online Banking for quick access.

✓ Make note of recurring payments set up in your Online Banking.

✓ Have a secondary payment method ready (e.g., cash) in the unlikely event that your debit card does not work.

✓ Keep an account ledger for the dates of the merger weekend to maintain your account balances.

✓ Make note of our customer support phone number and have it readily available during the merger weekend.

If you need customer service assistance, please visit any of our locations or call 800-951-2903.

FNB New Mexico

COMPARISON SIDE-BY-SIDE

Existing Product NewFNB New Mexico

SIDE-BY-SIDE COMPARISON

Product Product

Zia Checking to Zia FREE eChecking

ACCOUNT FEATURE VARIANCE

NAME OF ACCOUNT Zia Zia FREE eChecking Impact on Customer

Opening Deposit $ 100.00 $ 50.00 Positive Minimum to Avoid Service Charge Fee/Minimum Balance Fee $ 1,000.00 $ 0.00 Positive Monthly Service Charge Fee/Minimum Balance Fee $ 5.00 $ 0.00 Positive Overdraft Protection Limit $ 750.00 $ 800.00 Positive Complimentary Checks Thrifty-style N/A Negative Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Paper Statement Fee $ 3.00 $ 5.00 Negative eStatements Available Available Neutral Online Banking Available Available Neutral

EFT Error Resolution Contact 201 Main Street

PO Box 548

Clayton, NM 88415

337 Phelps Ave. Littlefield, TX 79339

806-385-4441

a

b

a - FNB waived if the average daily balance is greater than $1,000 per statement cycle. b - FNB & AimBank waived if enrolled in eStatement. * This account consists of a checking sub account and a savings sub account. The bank may periodically transfer funds between these two sub accounts. On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account. If your account is a plan on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub account will be non interest bearing. The savings sub account will be governed by the rules governing our other savings accounts. This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement.

Existing Product New FNB New Mexico

Zia Zia FREE eChecking

Click It ZIAmazing Checking

Silver Select Zia Personal Checking

NOW Zia Interest Checking

Money Market Zia Money Market

Savings Account ZiaHigh Savings

Business Checking Zia Small Business Checking

Business Interest Checking Zia Business Interest Checking

Business Money Market Zia Money Market Business

Business Savings ZiaHigh Savings Business

Click It to ZIAmazing Checking


NAME OF ACCOUNT Click It ZIAmazing Checking Impact on Customer

Opening Deposit $ 100.00 $ 50.00 Positive Service Fee $ 7.50 $0.00 - $6.00 Positive Overdraft Protection Limit $ 750.00 $ 800.00 Positive Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Complimentary Checks N/A Up to 200/year Positive Electronic Transactions Required Optional Positive eStatements Required Optional Positive Paper Debits Limit (per month) to avoid Service Charge 3 Unlimited Positive Online Banking Available Available Neutral


PO Box 548

Clayton, NM 88415


806-385-4441

a

a - FNB service charge can be waived if less than 3 paper debits are posted per monthly cycle; AimBank service charge can be reduced by $1 with estatement and by $0.20 per posted debit card transaction. For example, service charge fee of $6.00 can be reduced to $0 with 25 posted debit card transactions and an eStatement.

* Deposit reclassification applies to this type of account.


Silver Select to Zia Personal Checking


NAME OF ACCOUNT Silver Select Zia Personal Checking Impact on Customer

Opening Deposit $ 100.00 $ 50.00 Positive Minimum to Avoid Service Charge Fee/Minimum Balance Fee $ 100.00 $ 500.00 Negative Monthly Service Charge Fee/Minimum Balance Fee $ 5.00 $ 10.00 Negative Overdraft Protection Limit $ 750.00 $ 800.00 Positive Complimentary Checks Thrifty-style Bank Stock 200/year Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Age Requirement At least 60 years old N/A Positive Limit of One Account per Primary Holder 1 N/A Positive eStatements Available Available Neutral Online Banking Available Available Neutral


PO Box 548

Clayton, NM 88415


806-385-4441

a - AimBank minimum balance fee can be waived if the daily balance is greater than $500.00 per statement cycle; FNB service charge waived if the average daily balance is greater than $100.00 per statement cycle.

* Deposit reclassification applies to this type of account.

a

Money Market to Zia Money Market


NAME OF ACCOUNT Money Market Zia Money Market Impact on Customer

Opening Deposit $ 5,000.00 $ 5,000.00 Neutral Minimum to Avoid Service Charge Fee/Minimum Balance Fee $ 5,000.00 $ 0.00 Positive Monthly Service Charge Fee/Minimum Balance Fee $ 10.00 $ 0.00 Positive Minimum Balance Required to Earn Interest $ 5,000.00 $ 0.01 Positive Compounding Monthly Monthly Neutral Crediting Monthly Monthly Neutral Balance Computation Method Average Daily Balance Daily Balance Variable When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Interest Not Paid Interest Not Paid Neutral Check Limit 6 6 Neutral Debit Card and Point of Sale Transactions 6 Unavailable Negative Excessive Transaction Fee $ 5.00 $ 20.00 Negative Paper Statement Fee $ 3.00 $ 0.00 Positive Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral APY - Tier ($0.01 - $4,999.99) 0.00% 0.60% Positive APY - Tier ($5,000.00 - $49,999.99) 0.50% 0.60% Positive APY - Tier ($50,000.00 - $99,999.99) 0.60% 0.60% Neutral APY - Tier ($100,000.00 - $249,999.99) 0.70% 0.70% Neutral APY - Tier ($250,000.00 - $499,999.99) 0.70% 0.70% Neutral APY - Tier ($500,000.00+) 0.70% 0.70% Neutral


PO Box 548

Clayton, NM 88415


806-385-4441

a b

c

APY = Annual Percentage Yield APYs are effective 8/31/2019 and are subject to change at any time.

a - FNB service charge waived if the average daily balance is greater than $5,000.00 per statement cycle. b - FNB uses average daily balance; AimBank uses daily balance. c - FNB waived if enrolled in eStatement.

NOW to Zia Interest Checking


NAME OF ACCOUNT NOW Zia Interest Checking Impact On Customer

Opening Deposit $ 1,000.00 $ 1,000.00 Neutral Minimum to Avoid Service Charge Fee/Minimum Balance Fee $ 2,000.00 $ 1,000.00 Positive Monthly Service Charge Fee/Minimum Balance Fee $ 10.00 $ 10.00 Neutral Minimum Balance Required to Earn Interest $ 1,000.00 $ 1,000.00 Neutral Compounding Monthly Monthly Neutral Crediting Monthly Monthly Neutral Balance Computation Method Average Daily Balance Daily Balance Variable When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Interest Not Paid Interest Not Paid Neutral Paper Statement Fee $ 3.00 $ 0.00 Positive Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Overdraft Protection Limit $ 750.00 $ 800.00 Positive eStatements Available Available Neutral APY - Tier ($0.01- $999.99) 0.00% 0.00% Neutral APY - Tier ($1,000 - $1,999.99) 0.45% 0.45% Neutral APY - Tier ($2,000.00 - $49,999.99) 0.45% 0.45% Neutral APY - Tier ($50,000.00 - $149,999.99) 0.45% 0.45% Neutral APY - Tier ($150,000.00 - $249,999.99) 0.45% 0.45% Neutral APY - Tier ($255,000.00+) 0.45% 0.45% Neutral


PO Box 548

Clayton, NM 88415


806-385-4441

a b


a - AimBank monthly minimum balance fee can be waived if the daily balance is greater than $1,000.00 per statement cycle; FNB monthly service charge waived if the average daily balance is greater than $2,000.00 per statement cycle. b - FNB uses average daily balance; AimBank uses daily balance. c - FNB waived if enrolled in eStatement. * Deposit reclassification applies to this type of account.

14 15 NEW MEXICO A Division of AimBank

c

https://2,000.00

https://1,000.00

https://5,000.00

ZiaHigh Savings


a - AimBank service charge waived if the daily balance is greater than $50.00 per statement cycle; FNB service charge waived if the average daily balance is greater than $250.00 per statement cycle. b - FNB uses average daily balance; AimBank uses daily balance. c - FNB waived if enrolled in eStatement.

Zia Small Business Checking

a - FNB waived if enrolled in eStatement. b - FNB service charge waived if the average daily balance is greater than $2,500.00 per statement cycle. * Deposit reclassification applies to this type of account.

Zia Business Interest Checking Savings to

ACCOUNT FEATURE Variance

NAME OF ACCOUNT SAVINGS ZiaHigh Savings

Impact on Customer

Opening Deposit $ 100.00 $ 50.00 Positive Minimum to Avoid Service Charge Fee/Minimum Balance Fee $ 250.00 $ 50.00/Quarter Positive Monthly Service Charge Fee/Minimum Balance Fee $ 10.00 $ 5.00 Positive Minimum Balance Required to Earn Interest $ 250.00 $ 0.01 Positive Compounding Quarterly Quarterly Neutral Crediting Quarterly Quarterly Neutral Balance Computation Method Average Daily Balance Daily Balance Variable When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Interest Not Paid Interest Not Paid Neutral Check Limit 6 6 Neutral Paper Statement Fee $ 3.00 $ 0.00 Positive Periodic Statement Quarterly Quarterly Neutral Images in Statement Front Front Neutral Excessive Transaction Fee $ 5.00 $ 2.00 Positive APY - Tier ($0.01 - $249.99) 0.00% 0.60% Positive APY - Tier ($250.00 - $24,999.99) 0.60% 0.60% Neutral APY - Tier ($25,000.00 - $99,999.99) 0.60% 0.60% Neutral APY - Tier ($100,000.00 - $249,999.99) 0.60% 0.60% Neutral APY - Tier ($250,000.00+) 0.60% 0.60% Neutral


PO Box 548

Clayton, NM 88415


806-385-4441

a b

c

Business Checking to


NAME OF ACCOUNT Zia Small Business

Business Checking Checking

Impact on Customer

Opening Deposit $ 1,000.00 $ 50.00 Positive Paper Statement Fee $ 5.00 $ 0.00 Positive eStatement Complimentary Complimentary Neutral Minimum to Avoid Service Charge Fee/Minimum Balance Fee $ 2,500.00 $ 0.00 Positive Monthly Service Charge Fee/Minimum Balance Fee $ 10.00 $ 0.00 Positive Overdraft Protection Limit $ 2,000.00 $ 1,500.00 Negative Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral


PO Box 548

Clayton, NM 88415


806-385-4441

a

b

Business Interest Checking to


NAME OF ACCOUNT Business Zia Business

Interest Checking Interest Checking Impact On Customer

Opening Deposit $ 1,000.00 $ 50.00 Positive Minimum to Avoid Service Charge Fee/Minimum Balance Fee $ 2,000.00 $ 1,000.00 Positive Monthly Service Charge Fee/Minimum Balance Fee $ 10.00 $ 10.00 Neutral Minimum Balance Required to Earn Interest $ 1,000.00 $ 1,000.00 Neutral Compounding Monthly Monthly Neutral Crediting Monthly Monthly Neutral Balance Computation Method Average Daily Balance Daily Balance Variable When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Interest Not Paid Interest Not Paid Neutral Paper Statement Fee $ 5.00 $ 0.00 Positive Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Overdraft Protection Limit $ 2,000.00 $ 1,500.00 Negative eStatements Available Available Neutral APY - Tier ($0.01- $999.99) 0.00% 0.00% Neutral APY - Tier ($1,000.00 - $1,999.99) 0.45% 0.45% Neutral APY - Tier ($2,000.00 - $49,999.99) 0.45% 0.45% Neutral APY - Tier ($50,000.00 - $149,999.99) 0.45% 0.45% Neutral APY - Tier ($150,000.00 - $249,999.99) 0.45% 0.45% Neutral APY - Tier ($255,000.00+) 0.45% 0.45% Neutral


PO Box 548

Clayton, NM 88415


806-385-4441

a b


c


a - AimBank minimum balance fee can be waived if the daily balance is greater than $1,000.00 per statement cycle; FNB monthly service charge waived if the average daily balance is greater than $2,000.00 per statement cycle. b - FNB uses average daily balance; AimBank uses daily balance. c - FNB waived if enrolled in eStatement. * Deposit reclassification applies to this type of account.

https://2,500.00

https://2,000.00

https://1,000.00

Business Money Market to Zia Money Market Business

Account Feature VARIANCE

NAME OF ACCOUNT Business MM Zia MM Business Impact On Customer

Opening Deposit $ 5,000.00 $ 5,000.00 Neutral Minimum to Avoid Service Charge Fee/Minimum Balance Fee $ 5,000.00 $ 0.00 Positive Monthly Service Charge Fee/Minimum Balance Fee $ 10.00 $ 0.00 Positive Minimum Balance Required to Earn Interest $ 5,000.00 $ 0.01 Positive Compounding Monthly Monthly Neutral Crediting Monthly Monthly Neutral Balance Computation Method Average Daily Balance Daily Balance Variable When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Interest Not Paid Interest Not Paid Neutral Paper Statement Fee $ 5.00 $ 0.00 Positive Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Check Limit 6 6 Neutral Excessive Transaction Fee $ 5.00 $ 20.00 Negative APY - Tier ($0.01 - $4,999.99) 0.00% 0.60% Positive APY - Tier ($5,000.00 - $49,999.99) 0.50% 0.60% Positive APY - Tier ($50,000.00 - $99,999.99) 0.60% 0.60% Neutral APY - Tier ($100,000.00 - $249,999.99) 0.70% 0.70% Neutral APY - Tier ($250,000.00 - $499,999.99) 0.70% 0.70% Neutral APY - Tier ($500,000.00+) 0.70% 0.70% Neutral


PO Box 548

Clayton, NM 88415

337 Phelps Ave. Littlefield,TX 79339

806-385-4441

a b

c


a - FNB service charge waived if the average daily balance is greater than $5,000.00 per statement cycle. b - FNB uses average daily balance; AimBank uses daily balance. c - FNB waived if enrolled in estatement.

Business Savings to


NAME OF ACCOUNT Business Savings ZiaHigh

Savings Business Impact on Customer

Opening Deposit $ 100.00 $ 50.00 Positive Minimum to Avoid Service Charge Fee/Minimum Balance Fee $ 250.00 $ 50.00 Positive Monthly Service Charge Fee/Minimum Balance Fee $ 10.00 $ 5.00 Positive Minimum Balance Required to Earn Interest $ 250.00 $ 0.01 Positive Compounding Quarterly Quarterly Neutral Crediting Quarterly Quarterly Neutral Balance Computation Method Average Daily Balance Daily Balance Variable When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Interest Not Paid Interest Not Paid Neutral Check Limit 6 6 Neutral Paper Statement Fee $ 5.00 $ 0.00 Positive Periodic Statement Quarterly Quarterly Neutral Images in Statement Front Front Neutral Excessive Transaction Fee $ 5.00 $ 2.00 Positive APY - Tier ($0.01 - $249.99) 0.00% 0.60% Positive APY - Tier ($250.00 - $24,999.99) 0.60% 0.60% Neutral APY - Tier ($25,000.00 - $99,999.99) 0.60% 0.60% Neutral APY - Tier ($100,000.00 - $249,999.99) 0.60% 0.60% Neutral APY - Tier ($250,000.00+) 0.60% 0.60% Neutral


PO Box 548

Clayton, NM 88415

337 Phelps Ave. L ittlefield, TX 79339

806-385-4441

a b

ZiaHigh Savings Business


a - AimBank service charge waived if the daily balance is greater than $50.00 per statement cycle; FNB service charge waived if the average daily balance is greater than $250.00 per statement cycle. b - FNB uses average daily balance; AimBank uses daily balance. c - FNB waived if enrolled in eStatement.


c

https://5,000.00

Common Fee Schedule

20 NEW MEXICO A Division of AimBank

Service Name Impact on Customer

Savings Account Excessive Transactions Fee $ 5.00 $ 2.00 Positive Money Market Acccount Excessive Transactions Fee $ 5.00 $ 20.00 Negative Debit Card Replacement $ 10.00 $ 5.00 Positive Debit Card - Hot Card $ 0.00 $ 20.00 Negative Debit Card ATM withdrawal maximum per day $ 1,000.00 $ 300.00 Negative Debit Card transactions maximum (including cash withdrawal)-Consumer $ 1,000.00 $ 1,500.00 Positive Debit Card transactions maximum (including cash withdrawal)-Business $ 1,000.00 $ 2,500.00 Positive Check Printing Vendor Cost Vendor Cost Neutral Cashier's Check Fee $ 6.00 $ 2.00 Positive Money Order Fee $ 3.00 $ 2.00 Positive NSF Paid / NSF Return Item Fee $ 25.00 $ 32.00 Negative Overdraft Fee $ 25.00 $ 32.00 Negative Overdrawn Account Charge Per Cycle $ 0.00 $ 20.00 Negative Nonsufficient Funds/Overdraft Fee daily max $ 150.00 $ 224.00 Negative Discretionary Overdraft Allowance - Consumer $ 750.00 $ 800.00 Positive Discretionary Overdraft Allowance - Business $ 2,000.00 $ 1,500.00 Negative Stop Payment $ 25.00 $ 32.00 Negative Return Deposit Item Fee (Chargeback) $ 5.00 $ 32.00 Negative Return Mail Fee $ 10.00 $ 0.00 Positive Night Depository Lock Bags $ 25.00 $ 5.00 Positive Fax Services (incoming/outgoing) $ 1.00 $ 2.00 Negative Check Cashing Fee - Non-customer Transactions $ 5.00 $ 2.00 or 1% >$200 Variable Automatic Sweep for Linked Accounts $ 0.00 $ 5.00 Negative Special statement Cutoff $ 5.00 $ 1.00 Positive Account Research (AimBank - minimum of 1 hour FNB - $50.00) $ 50.00 $ 50.00 Neutral Account Research - Per Copy $ 0.50 $ 1.00 Negative Photocopies $ 0.50 $ 0.25 Positive Activity Printout Charge $ 1.00 $ 1.00 Neutral Dormant Account Fee (monthly) $ 10.00 $ 10.00 Neutral Collection Fee $ 30.00 $ 0.00 Positive Wire Transfer (Incoming) $ 0.00 $ 5.00 Negative Wire Transfer (Outgoing) $ 35.00 $ 25.00 Positive Wire Transfer (Outgoing) International FNB-additional fees & foreign tax may apply $ 100.00 $ 45.00 Positive Tax Levy & Garnishment Processing $ 100.00 $ 50.00 Positive Remote Deposit Capture - Monthly Processing Fee (Bank Provided Equipment) $ 0.00 $ 0.00 Neutral Safe Deposit Box Key Deposit $ 0.00 $ 25.00 Negative SDB Drill Fee $ 100.00 Cost by locksmith Variable SDB Per Year Box Rental 3X5 $ 15.00 $ 15.00 Neutral SDB Per Year Box Rental 4X5 $ 18.00 $ 18.00 Neutral SDB Per Year Box Rental 3X10 $ 35.00 $ 35.00 Neutral SDB Per Year Box Rental 5X10 $ 50.00 $ 50.00 Neutral SDB Per Year Box Rental 10X10 $ 55.00 $ 55.00 Neutral Bill Pay Non-Use Fee - Monthly (Applies after non-use for 30 consecutive days) $ 5.00 $ 0.00 Positive Rush Delivery Bill Pay-Next Day (per item) $ 14.95 $ 0.00 Positive Rush Delivery Bill Pay-Two Day (per item) $ 9.95 $ 0.00 Positive Rush Delivery Bill Pay-Electronic Next Day (per item) $ 4.95 $ 0.00 Positive

FAMILY OF BRANDS

A Division of AimBank NEW MEXICO A Division of AimBank

FNB New Mexico is a Division of AimBank, Member FDIC. AimBank operates under multiple trade names in multiple states. Divisions of AimBank are not

separately FDIC-insured banks. The FDIC coverage extended to our deposit clients is that of one insured bank.

AimBank / FNB Merger Booklet...FNB New Mexico's, A Division of AimBank, mission is to serve the...

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Transcript of AimBank / FNB Merger Booklet...FNB New Mexico's, A Division of AimBank, mission is to serve the...