Check Reorders                  Checks for Less Item Name Term Minimum Deposit Interest Rate Annual Percentage Yield* Passbook $100.00 0.50% 0.50% Savings *$10.00 0.50% 0.50% Now Checking $500.00 0.50% 0.50% MM Checking 2,500.00 ($0-2499) 0.50% 0.50% Over $2,500) 0.75% 0.75% MM Savings** $2,500.00 ($0-$2,499) 0.75% 0.75% ($2500-$24,999) 1.00% 1.00% ($25,000-$49,999) 1.19% 1.20% ($50,000-$99,999) 1.29% 1.30% ($100,00 & Over) 1.49% 1.50% IRA HR10** $250.00 2.72% 2.75% HSA Checking $250.00 (0-$1,000) 0.50% .50% ($1,000.01 - $5,000) 1.50% .50-1.31% # ($5,000.01 - $15,000) 1.75% 1.31-1.61% # ($15,00.01 & Over) 2.00% 1.61-2.02% # **Fees Could Reduce Earnings #Annual percentage yield depends on balance in account Certificates*** 91 day $2,500 1.00% 1.00% 182 day $2,500 1.15% 1.15% 12 months $500.00 1.39% 1.40% 24 month $500.00 1.99% 2.00% 36 month $500.00 2.33% 2.35% 60 month $1,000.00 2.97% 3.00% Teen Savers CD 12 month $500.00 1.64% 1.65% Special 18 month $2,500 1.74% 1.75% All Rates are subject to change - Additional Terms Apply "Member FDIC" *Under Age 19 ** Annual percentage yield assumes that the funds remain on deposit for one year at the current interest rate. ***Early Withdrawal Provisions - We may impose a penalty if you withdraw any of the funds before the maturity date. There are certain circumstances, such as death or incompetence of an owner, where we may waive or reduce this penalty.   MasterCard® SecureCode™ SecureCode is a service that helps protect MasterCard card accounts against unauthorized Internet transactions by using identity information established between an individual cardholder and his or her financial institution.  First National Bank in Winnebago, in conjunction with SHAZAM and Arcot Systems are providing this service to you to improve the security of payment transactions in the electronic commerce environment.  Once you activate SecureCode, your card cannot be used at participating Internet merchant without authentication by an authorized user of your account.   You will find SecureCode easy to use.  When you enroll in SecureCode and then use your MasterCard card for an Internet purchase at a participating merchant, a window displays requesting your password in much the same way you enter a PIN during a face-to-face transaction.  After you enter your password, the information is authenticated and then the transaction is submitted to your financial institution for authorization.

Services                  Deposit Services Checking Accounts Free Checking Regular Checking Now Checking Money Market Checking Senior Citizen Checking Health Savings Savings Accounts Passbook Savings Money Market Savings Fun & Fortune Family Teen Savers Club Certificates of Deposit Individual Retirement  Accounts (IRA’s) Loan Services Personal Loans Home Improvement Loans Home Equity Loans & Lines of Credit Home Mortgages and Construction Loans Agricultural Loans Commercial and Business Loans Additional Services Kunkel & Peyman Financial Shazam Chek ATM Card (protected by MasterCard® SecureCode™) Safe Deposit Boxes Night Depository U. S. Savings Bonds Cash Advance (Credit Card)