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

MEDICAL INSURANCE:

Two major medical and hospitalization insurance plans are available to all regular full-time employees as well as options for dependent coverage.

DENTAL INSURANCE:

Regular full-time employees may choose to participate in the Dental PPO plan at their expense.

GROUP LIFE INSURANCE COVERAGE:

The Bank provides Group Life and Accidental Death and Dismemberment coverage for all regular full-time employees. The coverage amount of this benefit is 2� times the employee�s annual salary.

The Bank offers to all regular full-time employees the option to purchase additional term life insurance (at the employee�s expense) for coverage of employee, spouse and children.

DISABILITY INSURANCE:

Long Term Disability:
The Bank provides to all regular full-time employees (at Bank�s expense) LTD coverage which pays 60% of your salary, after 90 days from time of disability.
Short Term Disability:
The Bank provides to all regular full-time employees (at Bank�s expense) STD coverage which pays 60% of your salary, up to 90 days from time of disability.

ADDITIONAL INSURANCE POLICIES:

There are various plans through AFLAC that an employee will be offered following 90 days of employment. These insurances are pre-taxed when possible, and include Cancer, Intensive Care, Special Events, and Accident insurances. These insurances are optional and can be purchased by the employee.

FLEXIBLE SPENDING ACCOUNTS:

Employees may participate in Medical Flexible Spending Accounts up to $2,000 and/or Dependent Care Flexible Spending Accounts up to $5,000.

FNBGA 401(k) PLAN:

After 90 days of employment, employees are eligible to contribute to the FNBGA 401(k) Plan. The Bank will match 50% of the employee�s contribution up to 2%. In addition, the Bank may make a profit sharing contribution each year in an amount determined by the Board of Directors.

PROFIT SHARING:

Presently, at the end of each year, earnings of the bank are shared with current employees on a percentage-of-annual-salary. Profit sharing will fluctuate according to the Bank�s earnings and is subject to the discretion of the Board of Directors. The Bank reserves the right to change the following:

The way company profit sharing is computed.
The amount given depending upon profits of the Bank at anytime.
The Bank also reserves the right to terminate the profit sharing program at anytime and for any reason.

TIME OFF:

The Bank provides regular full-time employees with vacation and sick leave based on your years of service. Each regular full-time employee also receives two personal days each year.

The Bank follows the Federal Reserve holiday schedule.

OTHER BENEFITS:

Free Checking:
No monthly service charge.
No minimum balance required.
No limit on the number of checks written in a month.
Other free services also apply.

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	MEDICAL INSURANCE: Two major medical and hospitalization insurance plans are available to all regular full-time employees as well as options for dependent coverage. DENTAL INSURANCE: Regular full-time employees may choose to participate in the Dental PPO plan at their expense. GROUP LIFE INSURANCE COVERAGE: The Bank provides Group Life and Accidental Death and Dismemberment coverage for all regular full-time employees. The coverage amount of this benefit is 2� times the employee�s annual salary. The Bank offers to all regular full-time employees the option to purchase additional term life insurance (at the employee�s expense) for coverage of employee, spouse and children. DISABILITY INSURANCE: Long Term Disability: The Bank provides to all regular full-time employees (at Bank�s expense) LTD coverage which pays 60% of your salary, after 90 days from time of disability. Short Term Disability: The Bank provides to all regular full-time employees (at Bank�s expense) STD coverage which pays 60% of your salary, up to 90 days from time of disability. ADDITIONAL INSURANCE POLICIES: There are various plans through AFLAC that an employee will be offered following 90 days of employment. These insurances are pre-taxed when possible, and include Cancer, Intensive Care, Special Events, and Accident insurances. These insurances are optional and can be purchased by the employee. FLEXIBLE SPENDING ACCOUNTS: Employees may participate in Medical Flexible Spending Accounts up to $2,000 and/or Dependent Care Flexible Spending Accounts up to $5,000. FNBGA 401(k) PLAN: After 90 days of employment, employees are eligible to contribute to the FNBGA 401(k) Plan. The Bank will match 50% of the employee�s contribution up to 2%. In addition, the Bank may make a profit sharing contribution each year in an amount determined by the Board of Directors. PROFIT SHARING: Presently, at the end of each year, earnings of the bank are shared with current employees on a percentage-of-annual-salary. Profit sharing will fluctuate according to the Bank�s earnings and is subject to the discretion of the Board of Directors. The Bank reserves the right to change the following: The way company profit sharing is computed. The amount given depending upon profits of the Bank at anytime. The Bank also reserves the right to terminate the profit sharing program at anytime and for any reason. TIME OFF: The Bank provides regular full-time employees with vacation and sick leave based on your years of service. Each regular full-time employee also receives two personal days each year. The Bank follows the Federal Reserve holiday schedule. OTHER BENEFITS: Free Checking: No monthly service charge. No minimum balance required. No limit on the number of checks written in a month. Other free services also apply. ^ Top