For example, a bank may charge an opening fee of $ 150 (or more depending upon the credit account) with no annual fee for the first 12 months, but an annual fee at the beginning of the second year. (ondeck.com)
At the beginning of my second year, a friend, Nick Hills, asked me to a service and a talk. (premierchristianity.com)
Then in the beginning of my second year I experienced something that changed me. (faith.org.uk)