• With Courtesy Pay enjoy automatic overdraft coverage and extra peace of mind. If there are insufficient funds to cover the transaction amount, we'll pay the difference so you won't face the embarrassment and added expense of having your item returned unpaid.** This service covers your checks, ACH transactions and recurring debit card transactions.
• Pay a nominal overdraft fee, which will be deducted from your checking account along with the amount overdrawn.
• Make managing your finances easier and enjoy greater flexibility. Plus, there's no credit application or interest to pay.
• Receive LNB Courtesy Pay automatically, no need to apply.
• With Courtesy Pay, you will be provided coverage if there are insufficient funds as a result of everyday POS and ATM transactions. **Whether your overdraft(s) will be paid is discretionary and we reserve the right not to pay; for example we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. An insufficient funds charge of $36 may be imposed for covering each overdraft created by check, in person withdrawal, ATM withdrawal, or other Electronic means causing the account to overdraw. We will not charge a Courtesy Pay ATM/POS fee of $36 if your ATM or POS transaction is in the amount of $5.00 or less. Member FDIC.

• Make card purchases directly from your checking account at millions of locations worldwide.
• Eliminate the hassles of waiting for check approvals.
• Pay no interest charges because the money comes directly from your checking account (Your transaction is paid for immediately -- no credit is involved).
• Pay no annual fee.
• Choose your own personal identification number (PIN) for greater convenience.
• Make fast, convenient withdrawals 24/7 at any ATM -- Go to ATM locations to find out where they are.
• Make quick deposits at LNB branch office ATMs.

• Enjoy the convenience of having your payroll, retirement, or government checks automatically deposited and ready for you to use
• Save yourself the time and trouble of making an extra trip to the bank to cash your check. Your money will be available for you to use every payday---even when you're on vacation or ill.
• Learn how to set up your direct deposits in our resources area.

• Receive your statements safely and securely electronically.
• Eliminate the risks of having paper statements intercepted from your mailbox.

• Check your account balances and listen to your transaction history for all your LNB accounts.
• Monitor check activity.
• Transfer funds between LNB accounts.
• Make LNB loan payments.

Call toll-free 1-888-946-2212

• LNB uses Falcon Fraud Prevention Services to continually monitor your debit card activity and prevent fraudulent transactions from occurring on your account.
• If Falcon Fraud believes there are suspect transactions occurring on your card, Falcon will contact you to verify that you made them.
• If Falcon Fraud Manager detects potential fraud and cannot reach you directly, they will contact LNB. One of our representatives will then contact you.
• NOTE: If you attempt to use your card prior to verifying the transactions, your card will decline transactions.
• If you confirm fraudulent activity, your debit card will then be shut down to prevent further transactions. Please call LNB during normal business hours to dispute the transactions and re-activate your card.
• If you validate the transactions, the card will be temporarily flagged so you can continue to use it.

• Money orders are a safe, convenient, and economical alternative to sending cash through the mail. Purchase money orders, up to $1,000 at any of branch offices.

• Check your account balances and view transaction history.
• Monitor check activity.
• Transfer funds between LNB accounts.
• Make LNB loan payments.

• Remote Deposit Capture (RDC) -- We're introducing RDC to our corporate cash management customers, for analyzed accounts only (LNB Note). Check scanning technology allows you to deposit checks from the convenience of your own office. Improve your cash flow, make deposits anytime, and reduce operational costs with LNB's enhanced check scanning technology, RDC!
• User Manager -- Add users with specific account rights, functions and time restrictions.
• Payroll Direct Deposit -- Enter, maintain, and submit one or multiple payroll entries quickly and easily online to eliminate writing payroll checks, and enjoy the flexibility of making changes as needed.li>
• ACH Payments and Receipts -- Send ACH credits to vendors and send bank to bank ACH transfers.
• Wire Transfers -- Wire money to other financial institutions.
• Document Repository -- Store documents to view whenever you need them.
• Secure File Transfer -- Send files to LNB using a secure transfer method.
• Separate User Login IDs and Passwords -- Provide a separation of duties and clear audit trail by providing each user with access that is specific to the function he or she is allowed to perform.
• Secure Access 24/7 -- Access Online Corporate Cash Management Services 24 hours a day, 7 days a week from any computer with an Internet connection. And, because we use the most sophisticated encryption methods available, you can always count on safe, secure transmission of your most sensitive data.

Keep valuables secure with an LNB safe deposit box. Contact your local branch for more information.

• If you are planning to travel within the United States or Canada, you can request that your card not be monitored in order to make purchases. In doing so, you will avoid any blocks from being placed on the card while on vacation, agreeing to take full responsibility for any fraud as a result of this request. Simply stop by your local branch.
• If you plan to travel outside of the United States or Canada, all foreign transactions will be blocked.
• To report a lost or stolen LNB VISA^® debit card, please call 1-800-754-4128.

Transfer funds to another account safely and securely.

Falcon and LNB may ask you to confirm the last 4 digits of your Social Security Number, but we will never ask you to provide your full Social Security Number. You will never be asked to give your card number, account number or PIN. You will only be asked to verify specific transactions on your account.