First National Bank of Georgia :: Carrollton, GA and surrounding counties

Are you a U.S. Citizen?

Yes No

If applicable, is the joint applicant a U.S. Citizen?

Yes No

Are there any applicant(s) or any party associated with the account (including family members of such individuals) considered Politically Exposed Persons?
(**see explanation below)

Yes No

If you are not a U.S. Citizen and are interested in opening a Certificate of Deposit with First National Bank of Georgia, please contact any of our locations for further assistance.

Truth In Savings Disclosure Information for Select Certificates of Deposit
  
Rate Information - Interest rates are as indicated.

Compounding and crediting  frequency - For terms of  less than one year, interest will be compounded and credited at maturity.

For terms of one year or longer, interest will be compounded and credited quarterly.

Minimum balance to open the account -  Minimum opening balances are as indicated.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain the minimum opening balance in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations - You may not make any deposits into your account before maturity. You may not withdraw principal from this account without our consent. Principal withdrawn before maturity will be subject to an early withdrawal penalty.

Time requirements - Terms are as indicated.

Early withdrawal penalties – If any of the deposit is withdrawn before the maturity date, an early withdrawal penalty will be imposed (as follows): Terms of 12 months  or less – 3 months interest penalty; Terms over 12 months  – 6 months interest penalty.

Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

Automatically renewable time account – These accounts will automatically renew at maturity. You must notify us in writing  within ten days after maturity if you do not want your certificate of deposit to automatically renew.

Individual Retirement Accounts (IRA's) are subject to limitations and/or penalties imposed by the Internal Revenue Service.  Please see your IRA Agreement or consult your tax advisor for additional information.

Fees could reduce the earnings on the account.

Interest Rates and Annual Percentage Yields are accurate as of specified date and are subject to change without written notice.

To Apply, having already read the Truth in Savings Disclosure Information, simply click I Agree below and complete and submit the application. First National Bank of Georgia, upon approval, will send you a CD information packet. After executing the enclosed documents as indicated, return to us to activate your account.

I Agree to the terms.

A representative from First National Bank of Georgia may contact you to verify your account application. Feel free to contact us with any questions.

**Politically Exposed Persons – are individuals who are or have been entrusted with prominent public functions in a foreign country, for example Head of government, senior politicians, senior government, judicial or military officials, senior executives of state owned corporations, important political party officials. Family members of persons mentioned also are Politically Exposed Persons.


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