Other Consumer Services

Services that fit your lifestyle.

Our ATM card is open for business whenever you need it. You can use it to complete a variety of transactions – without having to come directly to the bank. You can withdraw, deposit, or transfer funds any time of the day. With the First Nations Bank ‘s ATM Card you can enjoy access to your checking or savings accounts, 24 hours a day at ATMs in your neighborhood and around the world.

The services that go everywhere you go. It’s easy. It’s fast. It’s the First Nations Bank Debit Card. This card carries the VISA® Logo, so you can use it anywhere VISA® Debit cards are accepted. Since each transaction is deducted from your checking account there are no interest charges, no late fees and better yet no bill received at the end of the month. This card can be used at any ATM, just like an ATM card. If you need to deposit, withdraw or transfer funds, these services are available, when you need them, 24 hours a day.

Cards That Fit Every Lifestyle.

At First Nations Bank, we know our customers are looking for a variety of features and options in a credit card. To respond to those various needs, we offer a wide range of credit card products for your personal use. Check out our full line of cards to fit all your needs:

• Elan Visa Classic Cards
• Elan Visa Platinum Cards
• Elan Travel Rewards Visa Platinum Card
• Elan Cash Rewards Visa Platinum and Classic Cards
• Elan Young Adult, College and Secured Visa Cards

Benefits For All Cardmembers

• Access your credit card account information and make payments online at elancard.com.
• Cash Fast. Available at over 800,000 ATMs around the world.
• Purchasing Power. Accepted at 28.5 million locations worldwide.
• Car Rental Discounts.
• Fraud Protection. You’re not responsible for unauthorized charges if your Elan Card is lost or stolen.
• Verified by VISA. Buy online with confidence with the Verified by VISA Program. Shop at participating online stores and enter your password for added security.
• 24-hour Cardmember Service at 1-800-558-3424.

For additional information contact a Personal Banker at (773) 594-5900.

Services Providing the comfort of knowing your valuables are secure.

Safe deposit boxes provide a means of security for the storage of personal property, valuables and important documents. They provide protection for property and peace of mind for the customer. Choose from a variety of box sizes to store papers, documents, coin collections and other irreplaceable possessions. In addition, the low annual payment is automatically debited from your account giving you one less thing to worry about.

FDIC Insurance does not apply to contents of safe deposit boxes. Nor does First Nations Bank insure box contents in any way. The contents of the box are confidential and known only to you and you are responsible for any insurance you feel is necessary on your box content.

Rates effective as of January 1, 2005.

Box Size*	Annual Rent
5 x 5	$ 37.50
3 x 10	$ 45.00
5 x 10	$ 75.00
10 x 10	$ 150.00

* Not all box sizes may be available

Making your life easier and your banking more convenient.

Telephone Banking from First Nations Bank was developed to respond to your banking needs.

First Connect is our 24 hour, 7 day a week telephone banking system that will give you instant access to your information on a variety of accounts. You can bank from your home, your workplace, or even out of town…anywhere it’s convenient for you.

Simply by using a touch tone telephone and your four digit PIN (personal identification number), our automated operator will guide you through the simple steps to access the transactions or information you need, just dial 1-800-417-5199 and get connected.

First Connect Telephone Banking allows you 24 hour access via touch-tone telephone to do any of the following:

• Receive up to date deposit balances and account information
• Transfer funds between deposit accounts*
• Verify if a specific check has cleared
• Receive statement information via fax**
• Receive current rate and general information

*To use First Connect Telephone Banking transfer services, you must preauthorize the transfer by completing the Transfer Service Request form. Transfer fees will apply. Refer to the Common Features disclosure for details.

**Fax fees will apply. Refer to the Common Features disclosure for details.

You don’t have to risk everything just to get what you want.

United States Savings Bonds are a great way to safeguard and grow your money. Issued and backed by the United States government, the bonds are easy to purchase, offer competitive interest rates, safeguard against loss, and offer certain tax advantages.

Series EE/Series I Bonds can be purchased or redeemed through the First Nations Bank. First Nations Bank accepts the funds and purchase orders then forwards the order to the Federal Reserve Bank where the bonds are issued and mailed according to your instructions. You should receive your bonds within 15 business days; the bonds begin earning interest from the first day of the month in which you buy the bond. If you're buying a bond as a last-minute gift, ask the teller for a free gift certificate!

For additional information log onto www.publicdebt.treas.gov.

Travel with peace of mind.

Travelers Cheques

• Available in a variety of denominations.
• If lost or stolen they are refundable usually within 24 hours.

Cheques for Two®

Cheques for Two® have a convenient dual signature feature and offers the following:

• Either of you can use or purchase them.
• Offers same benefits of traditional Travelers Cheques.
• Available in US dollars only.

Instead of one place, it’s good all over the place.

American Express® Gift Cards are better than gift certificates because they can be used to buy virtually anything, from a mountain bike to a new sweater. Gift Cards are good at retailers and restaurants in the U.S. that welcome the American Express® Card.

Give the gift card with benefits:

Universally accepted

Gift Cards can be used at over a million different retail stores and restaurants in the U.S. that welcome American Express Cards.*

Funds never expire

Unlike some store gift cards and certificates, your funds will never expire.**

Variety of denominations

Gift Card denomination values range from $25-$500.

Replaceable

If the Gift Card is lost or stolen, the unused balance can be refunded/replaced.***

Elegantly Packaged

The Gift Card package has an elegant gold design with space for a personalized message.

Convenient

Gift Cards are now available at participating sellers, by phone, and online.

*Some restrictions on merchant acceptance will apply to the Gift Card. The Gift Card is not for use at airline, hotel, car rental, telecom, gasoline merchants, or ATMs. It cannot be used outside of the U.S. Additional restrictions apply.

**If funds have not been depleted by the valid thru date printed on the Card, the remaining funds can be refunded/replaced.

***A replacement fee may apply.

Gift Cheques

American Express gift cheques let the people you care about get exactly what they want, every time. That's because Gift Cheques can be used to buy virtually anything, from stereo speakers to a new sweater, from a spa treatment to a puppy. And because they are available in a variety of denominations, Gift Cheques are ideal for everyone on your list - for friends and family or for tips and thank you's.

• Good virtually everywhere - stores, movie theaters, sporting events, restaurants, hotels, museums, and more.
• Elegantly packaged in a gold envelope.
• Replaceable if lost or stolen, usually within 24 hours.
• No expiration date, unlike some store gift certificates.
• Available in denominations of $25, $50, and $100.