Visa Gift Cards The Perfect Gift! The First National Bank Visa Gift Card is the gift that's ideal for just about everyone. You decide the amount, they decide where to use it. So they can choose the gift they really want. The First National Bank Visa Gift Card:

• Accepted worldwide - Welcomed anywhere Visa Gift Cards are accepted, at millions of locations worldwide, including retail stores and online merchants
  
  
• Fits any budget - You choose the amount you want to give to fit your budget
  
  
• Safer than cash - Unlike cash, it can be replaced if lost or stolen*
  
  
• Convenient - Lets the recipient choose exactly what they want - every time
  

Give them what they really want. Get a Visa Gift Card today at any First National Bank Location.

• Q. WHAT IS A VISA GIFT CARD?
  • A. This is a prepaid Visa gift card that can be purchased at the bank and used anywhere
    Visa is accepted for goods and services. Over 25 million locations worldwide accept Visa.
    
    
• Q. IS A VISA GIFT CARD A CREDIT CARD?
  • A. No, but the Visa Gift Card can be used just like a credit card. When presented at a
    merchant for payment you must provide your signature on the receipt similar to a credit
    card transaction.
    
    
• Q. HOW CAN I CHECK THE BALANCE ON MY CARD?
  • A. You can check your balance 24 hours a day, 7 days a week at www.payment-card.com.
    Key in your card number and gift card access code.
    
    
• Q. CAN I MAKE A PURCHASE FOR MORE THAN THE AMOUNT REMAINING ON THE CARD?
  • A. Yes, you can pay the difference between the purchase price and the remaining value of
    the Visa Gift Card with cash, check, a credit card or a Check Card. This is subject to the
    merchant procedures where you use the card.
    
    
• Q. WHAT DO I DO IF THE CARD IS DECLINED?
  • A. This means that the amount authorized by the merchant is above the remaining balance
    on the card. Be sure the merchant is only authorizing an amount that is equal to or less
    than the current balance remaining on the card.
    
    
• Q. HOW LONG CAN I USE THE VISA GIFT CARD?
  • A. You can use your card until the balance is zero or the card has expired.
    
    
• Q. WHAT HAPPENS WHEN I SPEND ALL THE FUNDS ON MY CARD?
  • A. Your card will no longer be accepted as a form of payment. We recommend you destroy
    your card after the balance is zero or the card has expired.
    
    
• Q. DO I NEED A PIN NUMBER TO USE MY CARD?
  • A. No. You can use your card at any point-of-sale merchant where Visa is accepted and
    simply sign a receipt.
    
    
• Q. IS THERE A FEE TO PURCHASE A GIFT CARD?
  • A. Yes. Gift Cards are $4.50 each.
    
    
• Q. ARE ANY FEES CHARGED TO MY BALANCE FOR USING THE CARD?
  • A. There is a monthly service charge of $2.50 that is waived for the first 6 months. An
    additional monthly fee will be assessed for expired cards. Other fees may be assessed
    for lost or stolen card replacements.
    
    
• Q. CAN I USE MY VISA GIFT CARD AT "PAY AT THE PUMP" GASOLINE STATIONS?
  • A. Yes, but a minimum amount will be automatically authorized and this may result in
    “transaction declined” if your balance is below this amount.
    
    The card terminal in the “pay at the pump” stations automatically checks with the Bank
    to see if your Payment Card has enough money left to pay for an average purchase of
    gas, which varies among merchants. If your Payment Card does not have enough money
    to pay for this amount, your attempt to pay at the pump will be declined.
    
    If this occurs, you can go inside and ask the cashier to authorize an amount that is
    within the remaining balance of your card.
    
    
• Q. ARE THERE ANY OTHER MERCHANTS WHERE A TRANSACTION MAY BE DECLINED?
  • A. Merchants whose customers normally “tip” will often obtain an authorization for the
    amount of the bill plus a percentage for tip prior to bringing the receipt to you for your
    signature. For authorization, ask the waiter to authorize an amount that is within the
    remaining balance of your card.
    
    
• Q. WHAT SHOULD I DO IF MY VISA GIFT CARD IS LOST OR STOLEN?
  • A. Immediately notify the Payment Card on-line at www.payment-card.com or call toll free to 1-888-
    621-1397, 24 hours a day, 7 days a week, or write to: Cardholder Services, P.O. Box
    550160, Ft. Lauderdale, FL 33355-0160. Customer service representatives to handle
    this occurrence are available 24 hours a day, 7 days a week.