1To qualify for this offer, account holder must open a new personal or business checking account at the Back Mountain FNCB Bank branch. Minimum balance to open: $25. Personal checking account must set up and receive $1,000 minimum in direct deposits per statement cycle and make at least 12 purchase transactions with their FNCB Bank Debit Card within 60 days of account opening. A qualifying direct deposit is defined as a recurring direct deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or third party agency. Only debit card transactions processed by merchants and received by the bank as Point-of-Sale (POS) transactions count towards qualifying debit card transactions. Debit card transactions processed by merchants and received by the bank as ATM transactions do not qualify. Business checking accounts must maintain an average balance of at least $2,500 on the 60th day after account opening. Accounts opened through fncb.com or phone are not eligible. To be eligible for the offer: the Primary account owner may not be or have been a primary or secondary account owner on any checking account with FNCB Bank within the previous six months. Your checking account must remain open in order for you to receive the offer. Offer valid as of 1/5/19 and is subject to change or withdrawal at any time without notice. Account holder will have choice of $300 or 50” TV. Your checking account must remain open in order for you to receive the offer(s). $300 will be credited to the eligible account within 60 days after all conditions have been met and be labeled “Descriptive Deposit Back Mountain.” ¬TV is an Insignia™ - 50" Class - LED - 1080p - HDTV. Retail value is $299.99. TV will be available for pick-up at the Back Mountain branch within 60 days of meeting account qualifications. FNCB Bank reserves the right to substitute a similar model of the same retail value. Customer is responsible for any tax implications. FNCB Bank. Member FDIC. Insignia is a trademark of Best Buy®. TVs are given away on behalf of FNCB Bank. Best Buy is not a sponsor of this promotion. Promo Code: BMGOTV or BMGO300

2A personal or business Money Market account with an initial deposit of at least $10,000 in new deposits. New deposits must be funds not currently on deposit with FNCB Bank. You must maintain a minimum balance of at least $10,000 to earn the promotional annual percentage yield (APY). Your Money Market will earn an introductory APY of 2.25% for the first 9 months (offer period). After the offer period, or if your balance falls below $10,000 your money market will earn a variable standard interest rate based on balance tiers. The blended APY for the standard balance tiers is accurate as of 1/5/2019 and is as follows: 1.30% for balances over $500,000, 1.25% for balances $250,000-$499.999.99, 1.20% for balances $100,000 - $249,999.99, 1.18% for balances $10,000 - $99,999.99, 0.10% for balances $2,500 - $9,999.99, and 0.0% for balances under $2,499.99. The non-blended APY for the standard balance tiers is as follows: 0.35% for balances over $500,000, 0.25% for balances $250,000-$499.999.99, 0.15% for balances $100,000 - $249,999.99, 0.10% for balances $10,000 - $99,999.99, 0.10% for balances $2,500 - $9,999.99 and 0.00% for balances under $2,499.99. A fee of $12.50 will be imposed every month the balance falls below $2,500.00 any day. Fees may reduce earnings. Includes monthly bank statement delivered electronically. Minimum balance to open: $25. Promo Code: BMGOMM

*Dunkin Donuts gift card offer: no purchase necessary, while supplies last. Minimum 200 available. Limit one per household. Simply mention this ad at the Back Mountain branch only by March 1, 2019 to claim. FNCB Bank is not affiliated with Dunkin Donuts®.

‡Travel Tumbler Gift offer: Travel tumbler provided at time of account opening of any new personal checking or savings account at the Back Mountain branch only. Offer available while supplies last. Minimum 100 available.

+Register to Win promotion: No purchase necessary. Open only to legal U.S. residents currently residing in the fifty (50) United States and the District of Columbia who are at least eighteen (18) years old as of the date of entry. Limit one entry per household. Must enter drawing January 14-March 1, 2019 at the FNCB Bank Back Mountain branch only. FNCB Bank employees and their immediate families are not eligible. Drawing will be held March 4, 2019 and winners will be notified by March 8, 2019. Prize winnings may be reported as income to the IRS on form 1099. Disney World Family Vacation: Winner will receive a $3,500 voucher from Abington Travel to apply towards Disney vacation package of their choice. Value based on two adults and two children (under 10), airfare out of Philadelphia, Disney World Value Resort and Theme Park tickets with Park Hopper option. Winner is responsible for any costs above $3,500. FNCB Bank is not affiliated with Walt Disney World®, Abington Travel, Weber® or Weis Markets®.

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