Press Releases // First National Bank of Northern California

Investor Relations

First National Bank On-Line Bill Payment

South San Francisco, CA: 8/24/2005:

First National Bank of Northern California is pleased to offer consumer’s On-Line Bill Payment and in September 2005, business’s can start to enjoy the same benefits of On-Line Bill Pay! Many people have been resistant to paying bills on-line for a number of reasons; “It’s too complicated…what if I make a mistake…how secure is it?” These are just a few of the concerns we hear when we recommend on-line bill pay. The reality is FNB makes on-line bill payments simple, safe and secure and we continue to hear positive responses from customers. They tell us how convenient it is to use and how they have saved time; as much as 75% compared to writing checks, stuffing envelopes and going to the mail box or Post Office. They also report reduced costs for supplies, such as stamps and envelopes. However, one of the greatest advantages they find is the ability to control when they make a payment which helps them manage their money more effectively. Gone are the days when you have to gauge when to put a check in the mail and then wonder how long it will take to clear or get hit with a late fee if the check doesn’t arrive on time. With on-line bill payment you can: access your account 24 hours a day, 7 days a week, change or stop scheduled payments, view payment history and pay almost anybody from your gardener to your mortgage company. It is SIMPLE, SAFE and SECURE. If you would like more information or want to sign up, please click on the “On-Line Banking” drop down menu or speak with your customer service representative.

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Cautionary Statement: This release contains certain forward-looking statements that are subject to risks and uncertainties that could cause actual results to differ materially from those stated herein. Management's assumptions and projections are based on their anticipation of future events and actual performance may differ materially from those projected. Risks and uncertainties which could impact future financial performance include, among others, (a) competitive pressures in the banking industry; (b) changes in the interest rate environment; (c) general economic conditions, either nationally or regionally or locally, including fluctuations in real estate values; (d) changes in the regulatory environment; (e) changes in business conditions or the securities markets and inflation; (f) possible shortages of gas and electricity at utility companies operating in the State of California, and (g) the effects of terrorism, including the events of September 11, 2001, and thereafter, and the conduct of war on terrorism by the United States and its allies. Therefore, the information set forth herein, together with other information contained in the periodic reports filed by FNB Bancorp with the Securities and Exchange Commission, should be carefully considered when evaluating its business prospects. FNB Bancorp undertakes no obligation to update any forward-looking statements contained in this release.

For further information contact:
Dave Curtis
Senior Vice President & Chief Financial Officer
Tel: (650) 875-4862
Fax: (650) 588-9695