Welcome to PNB a Helpful Guide for Reynolds State Bank Customers Transitioning to Peoples National Bank of Kewanee

Welcome to PNB A helpful guide for Reynolds State Bank customers transitioning to Peoples National Bank of Kewanee.

Peoples National Bank of Kewanee Peoples National Bank of Kewanee

This Welcome Guide provides specific information to help guide you through the conversion of your accounts during the acquisition and includes the changes that will take place during and after this process.

Please take notice of the important dates relating to your new Peoples National Bank accounts.

Products and services offered by Peoples National Bank have also been highlighted.

If you have any questions, we are here to assist you. Please call us at (309) 853-3333 or visit us anytime at www.pnb-kewanee.com.

2 Kewanee: (309) 853-3333 • Reynolds (309) 372-4242

Welcome Guide inside pages FINAL.indd 2 12/15/2020 11:20:48 AM Welcome from the President

We are delighted and honored to welcome you, the customers of Reynolds State Bank, into the Peoples National Bank family. Over the past 92 years, we have built a reputation for outstanding customer service, capital strength, financial stability, liquidity, and innovation. We take an active role in the communities that we serve and look forward to doing so in Reynolds and the surrounding area. Our intent with this transition is to make the process as seamless as possible. You can expect to receive the same friendly, experienced and high quality service from the people with whom you have always dealt. Known as “The Bank for All the People,” we are committed to offering you the very best in banking services and working with you to meet your financial needs. You can look forward to options such as: choosing to receive your bank statements by standard mail or online, paying bills online with our internet- based Bill Pay service, and conveniently depositing checks through our Mobile Banking app on any mobile device without coming to the bank. Peoples National Bank’s mobile app also allows you to transfer funds, pay bills, and even make person to person payments. Be sure to check out our Peoples e-Power “PEP” checking account that offers higher interest on your checking account balance with no minimum balance requirement. That being said, we still love seeing our customers in person! The current business hours in Reynolds will not Peoples National Bank change. This Welcome Guide includes other useful information concerning our products and services. of Kewanee For nearly every customer, your account number will remain the same, and you can continue to use the Reynolds State Bank checks you have on hand until August 31, 2022. Whenever those are exhausted, we will be providing you with a FREE order of new PNB checks. Included in this guide is a comparison chart showing how your existing account(s) will be converted to PNB account(s). Also included are important, and required, account disclosures. Assuming that regulatory approval proceeds on schedule, if you currently have a Reynolds State Bank debit card, you should expect to receive a new Peoples National Bank debit card before February 27th, 2021. Again, welcome to Peoples National Bank. If you have additional questions, please call us or inquire at Reynolds State Bank. You may also always visit our website at www.pnb-kewanee.com. Sincerely,

Chip Eastman President & CEO

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Welcome Guide inside pages FINAL.indd 3 12/15/2020 11:20:49 AM Useful Information for the Transition Table of Contents

For Your Information 5 Important Dates 6 Mortgage Lending 7 Mobile App 8 Priority Plus Club 9 Peoples Pay 10 Account Conversion Chart 11 Personal Savings Accounts 12 Personal Checking Accounts 13 Business Checking Accounts 14 Fee Schedule 15 Privacy Notice 16-17 Funds Availability Act 18 Electronic Funds Transfer 19-23

Please visit Peoples National Bank of Kewanee’s website (www.pnb-kewanee.com) for branch locations and hours, new account options, digital product information, ATM locations and more.

4 Kewanee: (309) 853-3333 • Reynolds (309) 372-4242

Welcome Guide inside pages FINAL.indd 4 12/15/2020 11:20:50 AM Useful Information for the Transition Account Conversion AFTER MARCH 1, 2021, to ensure uninterrupted service for Peoples National Bank (PNB) will place you in the type of PNB automated payments associated with your current RSB debit deposit account most like your Reynolds State Bank (RSB) card, we recommend you contact those businesses to provide account. This will occur on the weekend of conversion which is updated card information. Additionally, if your card number is February 27, 2021. See pages 12-13 for personal account stored on any merchant websites, we suggest also updating your information, and see page 14 for business account information. information on those.

ATMs ACH, Direct Deposits & Electronic Funds Transfers The current RSB ATM will have a blackout period during If you have existing ACH, direct deposits, pre-authorized or which it is non-operational. This will occur on the morning of other electronic transfer relationships associated with any Monday, March 1, 2021. It should be up and running by account, it should continue seamlessly without interruption. 5:00 pm. Please visit www.pnb-kewanee.com for a complete list of additional ATMs that will be available to you after the Online/Mobile Banking conversion. Current online banking users will receive a separate letter from PNB with instructions for signing up. Certificates of Deposit and IRAs All existing certificates will continue to earn the annual Loan Services percentage yield established when the certificate was opened, Your loans will not be affected by the conversion. You will until maturity. CDs and IRAs not renewed with a Customer continue to make loan payments in the same manner that you Service Representative at maturity will automatically renew currently make payments. into the CD terms, conditions, and rates currently in effect at Peoples National Bank on the date of maturity. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on Checks your account may be reflected in your credit report. Prior to the conversion, you will continue to order checks through RSB’s current provider with the RSB routing number. Safe Deposit Box Your current checks will continue to work with RSB’s routing Rent and due dates for current safe deposit box holders number until August 31, 2022. YOU DO NOT NEED TO will not change. ORDER NEW PNB CHECKS BEFORE YOU RUN OUT OF RSB CHECKS, UNLESS IT IS AFTER AUGUST 31, 2022. Service Charges If you need more checks, they may be ordered via your local ALL ACCOUNT SERVICE CHARGES WILL BE WAIVED branch. After the conversion date, when you need to place a THROUGH DECEMBER 31, 2021, WITH THE new order, it will be delivered with the PNB routing number. EXCEPTION OF EXCESSIVE WITHDRAWALS ON You will receive your first order of standard checks for free. SAVINGS ACCOUNTS. Please see the fee schedule on page 15. Debit Cards If you currently have an RSB debit card, your new PNB debit Statements card will be delivered prior to the February 27, 2021 conversion Your final RSB statement will be cut on Friday, February 26, date so that you have it on hand. It will be automatically acti- 2021 and mailed to you the following week. After this date, vated on Monday, March 1st, 2021. You will receive your new customers will adopt the PNB statement cycle according to the card’s Personal Identification Number (PIN) within a few days account type to which they have been converted. All savings of receiving your card. AFTER MARCH 1, 2021, if you wish to accounts, including passbook savings accounts, will receive change your PIN, you may do so at your local branch, change it semi-annual statements beginning June 30, 2021. by calling (877) 965-3344, or you may change your PIN anytime at any PNB ATM, including the Reynolds ATM.

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Welcome Guide inside pages FINAL.indd 5 12/15/2020 11:20:51 AM IMPORTANT dates

Acquisition and Conversion Date Debit Cards

February 26, 2021 February 8, 2021 Reynolds State Bank will close at 2:00pm to begin the If you currently have an RSB debit card, your new PNB process of conversion. debit card will be mailed out on this day. Please allow for standard USPS shipping times. The card will become February 27, 2021 active automatically on Monday, March 1st. This is the date that the purchase of RSB will be official. You may notice a difference in appearance at your Please see the debit card section on page 5 for details local branch. As of this date, bank documents such as regarding your PIN. new account documents, new loan documents, account statements, and notices will be titled in the name Peoples February 28, 2021 National Bank. The is also the date all RSB accounts and This is the final day to use your RSB debit card. It will be customers will convert to the PNB operating system. deactivated on Monday, March 1st when you can What does this mean for you? It means that any account immediately switch to your PNB debit card. or product you currenty have with RSB will be converted to a like account or product with PNB. March 1, 2021 You may now begin using your PNB debit card. To ensure uninterrupted service for automated payments Checks associated with your RSB debit card, we recommend contacting those businesses to provide updated card February 27, 2021 information. Additionally, if your card number is stored With the exception of limited customers, the checks you on any merchant websites, we suggest also updating your currently have on-hand will continue to work with RSB’s information on those. routing number until August 31, 2022. YOU DO NOT NEED TO ORDER NEW PNB CHECKS BEFORE YOU RUN OUT OF RSB CHECKS, UNLESS IT IS AFTER Online & Mobile Banking AUGUST 31, 2022. If you run out of checks after the conversion on February 27, 2021, please contact your Current online banking users will receive a separate local branch to ensure you receive checks with PNB’s letter from PNB with instructions for signing up. routing number (071102487). Your first order will be FREE.

6 Kewanee: (309) 853-3333 • Reynolds (309) 372-4242

Welcome Guide inside pages FINAL.indd 6 12/15/2020 11:20:52 AM

Whether purchasing, constructing or refinancing a home, Peoples National Bank of Kewanee has a loan to meet your needs. PNB employs Mortgage Lending Specialists to ensure that our customers receive the best service and lending options.

Peoples National Bank of Kewanee offers a variety of mortgages, including:

Conventional Loans (fixed or adjustable rates) Purchase or refinance Terms up to 30 years Local processing and servicing

Freddie Mac Loans Purchase or refinance Competitive rates and terms up to 30 years Local processing and servicing

FHA Loans Purchase or refinance Low down payment requirement Lower credit scores accepted

USDA Rural Development Loans For first time home buyers and borrowers with limited credit experience 100% financing Competitive rates *Must meet USDA eligibility requirements

VA Loans Available to eligible Veterans to become homeowners at an affordable cost Up to 100% financing available Competitive rates

HELOC Loans Open line of credit Flexible and convenient Ability to tap into your home’s equity

Peoples National Bank of Kewanee’s NMLS identification number is 462098.

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Welcome Guide inside pages FINAL.indd 7 12/15/2020 11:20:55 AM The Priority Plus Club at Peoples National Bank offers special benefits, special trips, and a special relationship with Peoples National MobileDownload App it in your device’s app store. Bank! Pocket-sized convenience available at Peoples National Bank! To quality for the Priority Plus Club, you Download our mobile app in your device’s app store and enjoy must be 55 or older and maintain an average the benefits of banking on the go. monthly balance of $2,500.00 in a checking account, savings account, or certificate of deposit. A joint account covers both a husband and wife. • Check Balances • Transfer Funds Club benefits include: free special members’ checks (singles only),a • View Transactions safe deposit box discount, free lamination and copying services, free • Deposit Checks monthly movies, and fun day trips and club activity offers. Some of our past Priority Plus Club trips have included: • Pay anyone you know, on the spot Cubs games at Wrigley Field, dinner • Find PNB Branches & ATMs theater trips, casinos, shopping, • and Much More!! Mystery Trips and more! Members also receive a quarterly newsletter from the bank with announcements, To utilize PNB’s mobile app, you must be signed up for PNB’s Online Banking. You holiday closures, and new activity will utilize the same username and and trip information. password for both services. To sign up If you meet club requirements, you for online banking, please visit will receive an additional www.pnb-kewanee.com, and select information packet in the mail Personal Enroll or Business Enroll in the regarding Priority Plus Club. top banner next to the LOGIN button, or enroll through the app by selecting “Not Enrolled in Online Banking?” Just return the short application in the PPC brochure to apply.

8 Kewanee: (309) 853-3333 • Reynolds (309) 372-4242

Welcome Guide inside pages FINAL.indd 8 12/15/2020 11:20:58 AM The Priority Plus Club at Peoples National Bank offers special benefits, special trips, and a special relationship with Peoples National Download it in your device’s app store. Bank! To quality for the Priority Plus Club, you must be 55 or older and maintain an average monthly balance of $2,500.00 in a checking account, savings account, or certificate of deposit. A joint account covers both a husband and wife.

Club benefits include: free special members’ checks (singles only),a safe deposit box discount, free lamination and copying services, free monthly movies, and fun day trips and club activity offers. Some of our past Priority Plus Club trips have included: Cubs games at Wrigley Field, dinner theater trips, casinos, shopping, Mystery Trips and more! Members also receive a quarterly newsletter from the bank with announcements, holiday closures, and new activity and trip information. If you meet club requirements, you will receive an additional information packet in the mail regarding Priority Plus Club. Just return the short application in the PPC brochure to apply.

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Welcome Guide inside pages FINAL.indd 9 12/15/2020 11:20:59 AM Pay anyone you know, anytime and anywhere, no matter what financial institution they use! PNB Peoples Pay is available to use on our app and on our Online Banking site!

10 Kewanee: (309) 853-3333 • Reynolds (309) 372-4242

Welcome Guide inside pages FINAL.indd 10 12/15/2020 11:21:07 AM your ACCOUNTS

ACCOUNT CONVERSION Please review the chart below to find your new account type.

Reynolds State Bank Peoples National Bank (Account type before February 27th) (Account type beginning March 1st)

Regular Checking Regular Checking

Regular Checking (Business) Small Business Checking

Passbook Savings Regular Savings

Super Saver Savings Super Saver Savings

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Welcome Guide inside pages FINAL.indd 11 12/15/2020 11:21:10 AM Personalsave with PeoplesSavings Peoples National Bank of Kewanee offers several types of Savings Accounts. To inquire about an account, please contact one of our Customer Service Representatives.

Regular Savings Account

• Quarterly service charge if balance falls below $100.00, unless you are a full-time student, non-profit organization, S.S.I. recipient, senior citizen, or a minor • Interest paid semi-annually in June and December • Funds may be transferred via telephone, internet banking, mobile app, pre-authorized transfer, or by in-person withdrawal • Twenty-six free withdrawals semi-annually • Limited to twenty-four pre-authorized, telephone or online banking transfers each calendar month

Super Saver Savings Account

• Minimum balance of $2,500.00 to remain open • Interest paid monthly • Minimum transaction amount of $500.00 for deposit or withdrawal • No monthly service charge

Christmas/Vacation Club Accounts

• Christmas Club accounts may be opened mid-October through December 31st and pay out in October the following year • Vacation Club accounts may be opened mid-April through June 30th and pay out in April the following year • All payouts are done by direct deposit into a Peoples National Bank of Kewanee account only • Weekly deposits range from $2.00 to $1,000.00 • Peoples National Bank of Kewanee will make the 50th payment if the customer makes the first 49 payments by the due date

12 Kewanee: (309) 853-3333 • Reynolds (309) 372-4242

Welcome Guide inside pages FINAL.indd 12 12/15/2020 11:21:12 AM Personal Savings Personaldesigned with Checking you in mind Peoples National Bank of Kewanee offers a wide variety of checking accounts to meet your needs. All of our checking accounts offer a PNB Mastercard® Debit Card and free Online and Mobile banking (includes bill pay, electronic statements, mobile check deposit, digital wallets, PNB Peoples Pay and more). If you need assistance determining which account is right for you, or if you’d like to learn about our non-interest bearing checking accounts**, please call or visit one of our Customer Service Representatives.

Free Checking Monthly Checks? Interest Minimum to Account Service (Standard/ Rate Open Charges non- Tiers Type “duplicate”) $3.00, unless daily balance Regular Regular** $100.00 remains over 30 upon opening Checking $100.00 (waived accounts are through Dec. 31, non-interest 2021) bearing $7.00, unless $100.00 daily balance 90 upon opening $1,000-$2,499.99 Value remains over $2,500+ $100.00

Extra $100.00 $5.50 Unlimited $1,000-$2,499.99 Value $2,500+ $5.00, unless $1,000.00 average daily 30 upon opening All balances Now balance exceeds $1,000.00 $5.00, unless Super $2,500.00 average daily 30 upon opening Up to $2,499.99 balance exceeds $2,500.00+ Now $2,500.00 Peoples Special Now e-Power $100.00 None None Account rate, if qualifi cations are (PeP) met*

*Peoples e-Power qualifications: **Non-interest bearing checking 1. Direct Deposit into account at least monthly accounts offer no monthly service fee for Senior 2. Minimum of 15 debit card purchases per statement cycle Citizens (62 and older) and Full-Time Students. 3. Receive electronic statements (must enroll at account opening)

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Welcome Guide inside pages FINAL.indd 13 12/15/2020 11:21:13 AM Business Checking

Minimum Monthly Checking Interest Required Documents Qualified Amount to Service Account Earning? Parties Open Charge Type Sole Proprietors - Assumed Name Certification of Intention + Receipt for Proof of Publication Subject to All $100.00 No Commercial Account Businesses Partnerships - Partnership Analysis Agreement + Taxpayer ID# (General Partnerships need Assumed Name Certification of Small $5.00 if daily Intention) Sole $100.00 No Business Proprietors balance falls below $500.00 Corporations - Articles of Incorporation + Taxpayer ID#

$5.00 if Business All Limited Liability Corporations - $2,500.00 average daily Yes Money Businesses balance falls Limited Liability Company Act Market below $2,500.00 Articles of Organization + Taxpayer ID#

$5.00 if Nonprofit Organizations - average daily Approved Board minutes + Taxpayer ID# Sole Proprietors, balance falls below $1,000.00 Business Non-Profit Nonprofit Corporations - Articles Now/Super- Organizations, $1,000.00 (Business Yes of Incorporation + Approved Now Government Now) or below Board minutes + Taxpayer ID# Agencies $2500.00 (Super Now) Government Bodies/Public Funds - Approved Board minutes + Taxpayer ID#

Public Government $100.00 None No Fund Agencies Checking

14 Kewanee: (309) 853-3333 • Reynolds (309) 372-4242

Welcome Guide inside pages FINAL.indd 14 12/15/2020 11:21:13 AM Fee Schedule Effective June 1, 2020 Deposit Fees Miscellaneous Fees Continued NSF Return/Paid Item Fee for Chkg. and Svng. $25.00 Night Depository Bag and Key $30.00 Overdraft Fee $25.00 Night Depository Extra Key $5.00 Stop Payment Request $25.00 Blue Zipper Bags (Large) $5.00 MMDA Transfers and/or Checks > 24 per mo $5.00 Blue Velcro Bags (Small) $5.00 Savings Excess Withdrawal > 26 semi-annually - per WD $2.00 Blue Cloth/Nylon Bags (Large) $5.00 Dormant Account Fee (Monthly) $5.00 Priority Plus Movie Guest Fee $1.00 OD Protection/Min. Bal. Transfer Fee - Per Transfer $1.00 Telephone Transfer Fee $2.00 Wire Transfer Fees Account Balance Inquiry Fee $2.00 Domestic Wire Incoming - CUSTOMERS ONLY $5.00 Account Closing (within 90 days of opening) $25.00 Domestic Wire Outgoing - CUSTOMERS ONLY $25.00 Christmas/Vacation Club Early Closing Fee $5.00 International Wire Incoming - CUSTOMERS ONLY $15.00 Reopening Account within 90 days of Closing $25.00 International Wire Outgoing - CUSTOMERS ONLY $50.00 Temporary Check Fee - per check $0.50 Account Reconcilement - per hour (hour min.) $25.00 Garnishment, Levy & Collection Fees Checking/Savings Printout Statement $1.00 Garnishment/Levy Fee $50.00 Account Research Fees: Collection Item Fee $15.00 Per item < than 2 yrs. old $2.00 Per item > than 2 yrs. old *** $3.00 Service Fees Per statement < than 2 yrs. old $2.00 Auto License Renewal Sticker Fee $7.50 Per statement > than 2 yrs. old *** $3.00 License Processing Fees for Customers $30.00 Stmt. with Check Images < than 2 yrs. old $3.00 License Processing Fees - Loan Customers – Vehicle Titles $10.00 Stmt. with Check Images > than 2 yrs. old *** $5.00 License Processing Fees - Loan Customers – License Plates & Transfers $10.00 ***Acct. Research - per hour (1/2 hr. min.) $25.00 Foreign Currency Order Fee thru Correspondent Bank $10.00 Coin Counting (Charge to Non-Customers Only) $2.00 min. $2.00/$100 ATM & Debit Card Fees Signature Guarantee Fee Medallion Stamp - Customers Only $20.00 ATM Non-Customer Surcharge Fee $2.50 Notary Public No Charge Non-PNB ATM Withdrawal $0.50 Fax - per page $1.00 Non-PNB ATM Balance Inquiry $0.25 Photocopies - per page $0.25 Non-PNB ATM Transaction Denial $0.25 Rec Check - Per Month Base Charge includes 35 Items Free $35.00 ATM/Debit Card Replacement Fee $12.00 Per Item Fee over 35 Items $0.25 Per Item Fee for Secondary Account $0.25 Official Check Fees Safe Deposit Box Late Fee (after 30 days past due) - Per Month $5.00 Cashiers Check Fee $3.00 Safe Deposit Box Drilling $150.00 Cashiers Check Fee - Seniors (62+) $2.00 Safe Deposit Box Lost Key (Per Key) $10.00 Personal Money Order Fee $3.00 Personal Money Order Fee - Seniors (62+) $2.00 Loan Fees Stop Payment Fee - Cashiers Checks & Money Orders $25.00 Installment Loan Fee $85.00 Real Estate Loan Fee $550.00 Miscellaneous Fees USDA Loans - Whichever is greater $550.00 or 1% Check Cashing Fee (Applicable to Non-Customers ONLY) $5.00 Real Estate Construction Loan Fee - Minimum $700.00 Foreign Check Processing $15.00 Loan Extension Fee $65.00 External Transfer Set-up Fee $5.00 Loan Amortization Schedule Fee $5.00 Indemnity Bond Fee for Lost Instruments $25.00 Real Estate Modification Fee $85.00 Woodsmoke Ranch Purchase/Refinance $20,000 or less $250.00 Woodsmoke Ranch Purchase/Refinance over $20,000 $550.00

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Welcome Guide inside pages FINAL.indd 15 12/15/2020 11:21:13 AM We’re always open at www.pnb-kewanee.com. 16 Kewanee: (309) 853-3333 • Reynolds (309) 372-4242 19 20 Kewanee: (309) 853-3333 • Dwight: (815) 584-1212 • Seneca: (815) 357-1070 Welcome Guide inside pages FINAL.indd 16 12/15/2020 11:21:14 AM We’re always open at www.pnb-kewanee.com. 19 We’re always open at www.pnb-kewanee.com. 17 20 Kewanee: (309) 853-3333 • Dwight: (815) 584-1212 • Seneca: (815) 357-1070 Welcome Guide inside pages FINAL.indd 17 12/15/2020 11:21:14 AM Appendix A YOUR ABILITY TO WITHDRAW FUNDS AT PEOPLES NATIONAL BANK OF KEWANEE

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before the cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the cut-off time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. OFFICE BUSINESS DAY CUTOFF TIMES Kewanee M, Tu, W, Th, F 6:00 p.m. Southtown M, Tu, W, Th, F 6:00 p.m. Annawan M, Tu, W, Th, F 5:00 p.m. Bradford M, Tu, W, Th 3:00 p.m. F 5:00 p.m. Dwight M, Tu, W, Th 5:00 p.m. F 5:30 p.m. Manlius M, Tu, W, Th, F 5:00 p.m. Reynolds M, Tu, W, Th, F 4:00 p.m. Seneca M, Tu, W, Th, F 5:00 p.m. Sheffield M, Tu, W, Th, F 5:00 p.m. Tampico M, Tu, W, Th, F 5:00 p.m.

LONGER DELAYS MAY APPLY In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposits will be available on the first business day.

If we are not going to make all the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the Notice of Hold not later than the first business day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds would be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

* We believe a check you deposit will not be paid. * You deposit checks totaling more than $5,525 on any one day. * You redeposit a check that has been returned unpaid. * You have overdrawn your account repeatedly in the last six months. * There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS If you are a new customer, the following special rules may apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. The excess over $5,525 will be available on the ninth business day after the day of your deposit.

Funds from all other check deposits will be available on the eleventh business day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES (ATM’S)

All deposits, cash or check, made at an ATM that is NOT A PNB ATM will be made available by the fifth business day.

MOBILE CHECK DEPOSITS This applies to check deposits using your mobile device with the PNB Mobile App. Deposits made after 4:00 pm on a business day or on a non-business day will be considered to have been made on the next business day following the day of your deposit. In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposits will be available on the first business day. For deposits made over $5,525 we may place a longer hold on the portion that exceeds $5,525. We will notify you in writing if a longer hold is placed.

18 Kewanee: (309) 853-3333 • Reynolds (309) 372-4242 Revised 2.26.2021

Welcome Guide inside pages FINAL.indd 18 12/15/2020 11:21:14 AM Appendix A YOUR ABILITY TO WITHDRAW FUNDS AT PEOPLES NATIONAL BANK OF KEWANEE PEOPLES NATIONAL BANK OF KEWANEE ELECTRONIC FUND TRANSFERS

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits YOUR RIGHTS AND RESPONSIBILITIES will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. The Electronic Funds Transfers we are capable of handling for consumers are indicated below, some of For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before the cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the cut-off which may not apply to your account. Some of these may not be available at all terminals. Please read time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. this disclosure carefully because it tells you your rights and obligations for these transactions. You OFFICE BUSINESS DAY CUTOFF TIMES should keep this notice for future reference. Kewanee M, Tu, W, Th, F 6:00 p.m. Southtown M, Tu, W, Th, F 6:00 p.m. TYPE OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS Annawan M, Tu, W, Th, F 5:00 p.m. Prearranged Transfers: You may make arrangements for certain direct deposits to be accepted into Bradford M, Tu, W, Th 3:00 p.m. your checking and/or savings account(s). You may also make arrangements to pay certain recurring F 5:00 p.m. Dwight M, Tu, W, Th 5:00 p.m. bills from your checking and/or savings account(s). To verify a pre-authorized deposit or to stop F 5:30 p.m. automatic payments please call 309-853-3333. Manlius M, Tu, W, Th, F 5:00 p.m. Reynolds M, Tu, W, Th, F 4:00 p.m. ATM Transfers: You may access your account(s) by ATM using your PNB ATM or Debit MasterCard and Seneca M, Tu, W, Th, F 5:00 p.m. personal identification number (PIN) to get cash withdrawals from checking and savings accounts. You Sheffield M, Tu, W, Th, F 5:00 p.m. may withdraw no more than $300.00* per day from checking accounts and no more than $300.00* per Tampico M, Tu, W, Th, F 5:00 p.m. day from savings accounts. You may transfer funds from savings to checking and you may also transfer funds from checking to savings. You may also get checking account(s) information and savings LONGER DELAYS MAY APPLY In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending account(s) information. on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposits will be available on the first business day. Point-Of-Sale Transactions (POS): Using your card, you may access your checking account(s) to If we are not going to make all the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have purchase goods in person, by phone, by computer, get cash from a merchant, if the merchant permits, left the premises, we will mail you the Notice of Hold not later than the first business day after we receive your deposit. or from a participating financial institution, and do anything that a participating merchant will accept.

If you will need the funds from a deposit right away, you should ask us when the funds would be available. You may not exceed more than $750.00* in transactions per day.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: Computer Transfers: You may access your account(s) by computer via www.pnb-kewanee.com and * We believe a check you deposit will not be paid. using your access ID and Password. You may transfer funds from checking to savings and transfers * You deposit checks totaling more than $5,525 on any one day. * You redeposit a check that has been returned unpaid. funds from savings to checking, to make payments from checking to loan accounts with us, to make * You have overdrawn your account repeatedly in the last six months. payments from your checking account to third party accounts, to get checking account and savings * There is an emergency, such as failure of communications or computer equipment. account information, to get certificate of deposit information or to get loan information. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit. Mobile Banking Transfers: You may access your account(s) by web-enabled cell phone using your SPECIAL RULES FOR NEW ACCOUNTS access ID and password to transfer funds from checking to savings, transfer funds from savings to If you are a new customer, the following special rules may apply during the first 30 days your account is open. checking, make payments from checking to loan accounts with us, get checking account(s) information, Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and get savings account(s) information, to make payments from your checking account to third party the first $5,525 of a day's total deposits of cashier's, certified, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. The excess over $5,525 will be available on the ninth business day after the day of accounts, and to get certificate of deposit information or to get loan information. You may be charged your deposit. access fees by your cell phone provider based on your individual plan. Web access is needed to use this

Funds from all other check deposits will be available on the eleventh business day after the day of your deposit. service. Check with your cell phone provider for details on specific fees and charges.

DEPOSITS AT AUTOMATED TELLER MACHINES (ATM’S)

All deposits, cash or check, made at an ATM that is NOT A PNB ATM will be made available by the fifth business day.

MOBILE CHECK DEPOSITS This applies to check deposits using your mobile device with the PNB Mobile App. Deposits made after 4:00 pm on a business day or on a non-business day *Change to daily withdrawal limit is subject to bank review and approval. will be considered to have been made on the next business day following the day of your deposit. In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposits will be available on the first business day. For deposits made over $5,525 we may place a longer hold on the portion that exceeds $5,525. We will notify you in writing if a longer hold is placed.

22 Kewanee: (309) 853-3333 • Dwight: (815) 584-1212 • Seneca: (815) 357-1070 We’re always open at www.pnb-kewanee.com. 19 Revised 2.26.2021

Welcome Guide inside pages FINAL.indd 19 12/15/2020 11:21:15 AM Electronic Fund Transfers Initiated by Third Parties: You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make PREAUTHORIZED PAYMENTS or receive payment may be one-time occurrences or may recur as directed by you. These transfers may Right to stop payments and procedure for doing so: If you have told us in advance to make regular use the Automated Clearing House (ACH) or other payments network. Your authorization to the third payments out of your account, you can stop any of these payments. Call or write us at the telephone party to make these transfers can occur in a number of ways. For example, your authorization to number or address listed in this disclosure, in time for us to receive your request 3 business days or convert a check to an electronic funds transfer or to electronically pay a returned check charge can more before the payment is scheduled to be made. If you call, we may also require you to put your occur when a merchant provides you with notice and you go forward with the transaction (typically, at request in writing and get it to us within 14 days after you call. We charge $25.00 for each stop the point of purchase, a merchant will post a sign and print the notice on a receipt.) In all cases, these payment. third party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or Notice of varying amounts: If these regular payments may vary in amount, the person you are going to withdrawal slip. Thus, you should only provide your financial institution and account information pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may (whether over the phone, the internet, or via some other method) to trusted third parties whom you choose instead to get this notice only when the payment would differ by more than a certain amount have authorized to initiate these electronic funds transfers. Example of these transfers include, but are from the previous payment, or when the amount would fall outside certain limits that you set.) not limited to: Liability for failure to stop payment of pre-authorized transfer: If you order us to stop one of these Electronic check conversion: You may authorize a merchant or other payee to make a one-time payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be electronic payment from your checking account using information from your check to pay for purchases liable for your losses or damages. or bills. FINANCIAL INSTITUTION'S LIABILITY Electronic returned check charge: You may authorize a merchant or other payee to initiate an Liability for failure to make transfers: If we do not complete a transfer to or from your account on electronic fund transfer to collect a charge in the event a check is returned for insufficient funds. time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

GENERAL LIMITATIONS  If through no fault of ours, you do not have enough money in your account to make the transfer In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: Transfers or withdrawals from a Regular Savings Account or Money Market Account to another account  If the transfer would go over the credit limit on your overdraft line of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or  If the automated teller machine where you are making the transfer does not have enough cash instruction, computer transfer, or by check, draft, debit card or similar order to a third party, are limited  If the terminal or system was not working properly and you knew about the breakdown when you to twenty-four (24) per month. If you exceed the transfer limitations set forth above, your account started the transfer shall be subject to closure. You may make purchases with your debit MasterCard up to the specified  If the circumstances beyond our control (such as fire or flood) prevent the transfer, despite amount established by the bank to purchase goods and services. We charge $0.50 for withdrawals and reasonable precautions that we have taken $0.25 for balance inquiries and denied transactions at non-PNB ATMs. Otherwise, we do not charge for  There may be other exceptions stated in our agreement with you Electronic Funds Transfers. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). CONFIDENTIALITY We will disclose information to third parties about your account or the transfers you make: DOCUMENTATION (1) Where it is necessary for completing transfers; or Terminal Transfers: You can get a receipt at the time you make a transfer to or from your account (2) In order to verify the existence and condition of your account for a third party, such as a credit using an automated teller machine or point of sale terminal. You may not get a receipt if the amount of bureau or merchant; or the transfer is $15 or less. (3) In order to comply with government agency or court orders; or (4) If you give us written permission; or Preauthorized Credits: If you have arranged to have direct deposits made to your account at least once (5) As explained in the separate Privacy Disclosure every 60 days from the same person or company, you can call us at (309)853-3333 to find out whether or not the deposit has been made. In addition, you will get a monthly account statement from us, unless there are no transfers in a particular month. In any case you will get a statement at least quarterly.

We’re always open at www.pnb-kewanee.com.Kewanee: (309) 853-3333 • Reynolds (309) 372-4242 20 23 24 Kewanee: (309) 853-3333 • Dwight: (815) 584-1212 • Seneca: (815) 357-1070

Welcome Guide inside pages FINAL.indd 20 12/15/2020 11:21:15 AM Electronic Fund Transfers Initiated by Third Parties: You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make PREAUTHORIZED PAYMENTS or receive payment may be one-time occurrences or may recur as directed by you. These transfers may Right to stop payments and procedure for doing so: If you have told us in advance to make regular use the Automated Clearing House (ACH) or other payments network. Your authorization to the third payments out of your account, you can stop any of these payments. Call or write us at the telephone party to make these transfers can occur in a number of ways. For example, your authorization to number or address listed in this disclosure, in time for us to receive your request 3 business days or convert a check to an electronic funds transfer or to electronically pay a returned check charge can more before the payment is scheduled to be made. If you call, we may also require you to put your occur when a merchant provides you with notice and you go forward with the transaction (typically, at request in writing and get it to us within 14 days after you call. We charge $25.00 for each stop the point of purchase, a merchant will post a sign and print the notice on a receipt.) In all cases, these payment. third party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or Notice of varying amounts: If these regular payments may vary in amount, the person you are going to withdrawal slip. Thus, you should only provide your financial institution and account information pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may (whether over the phone, the internet, or via some other method) to trusted third parties whom you choose instead to get this notice only when the payment would differ by more than a certain amount have authorized to initiate these electronic funds transfers. Example of these transfers include, but are from the previous payment, or when the amount would fall outside certain limits that you set.) not limited to: Liability for failure to stop payment of pre-authorized transfer: If you order us to stop one of these Electronic check conversion: You may authorize a merchant or other payee to make a one-time payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be electronic payment from your checking account using information from your check to pay for purchases liable for your losses or damages. or bills. FINANCIAL INSTITUTION'S LIABILITY Electronic returned check charge: You may authorize a merchant or other payee to initiate an Liability for failure to make transfers: If we do not complete a transfer to or from your account on electronic fund transfer to collect a charge in the event a check is returned for insufficient funds. time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

We’re always open at www.pnb-kewanee.com. We’re always open at www.pnb-kewanee.com. 23 24 Kewanee: (309) 853-3333 • Dwight: (815) 584-1212 • Seneca: (815) 357-107021

Welcome Guide inside pages FINAL.indd 21 12/15/2020 11:21:16 AM UNAUTHORIZED TRANSFERS If you inform us verbally, we may require that you send us your complaint or question in writing within 10 Consumer liability: Tell us at once if you believe your card and/or code has been lost or stolen, or if you business days. We will determine whether an error occurred within 10 business days (5 business days if involving believe that an electronic funds transfer has been made without your permission using information from a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) after your check. Contacting us immediately is the best way of keeping your possible losses down. You could we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to business days after you learn of the loss or theft of your card and/or code, you can lose no more than investigate your complaint or question. If we decide to do this, we will credit your account within 10 business $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 days (5 business days if involving a Visa point of sale transaction processed by Visa or 20 business days if the business days after you learn of the loss or theft of your card and/or code, and we can prove you could transaction involved a new account) for the amount you think is in error, so that you will have the use of the have stopped someone from using your card and/or code without your permission if you had told us, money during the time it takes us to complete our investigation. If we ask you to put your complaint or question you could lose as much as $500. Also, if your statement shows transfers that you did not make, including in writing and we do not receive it within 10 business days, we may not credit your account. An account is those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove the results within three business days after completing our investigation. If we decide that there was no error, we that we could have stopped someone from taking the money if you had told us in time. If a good reason will send you a written explanation. You may ask for copies of the documents that we used in our investigation. (such as a long trip or hospital stay) kept you from telling us, we will extend the time period.

Mastercard Debit Card: You will not be liable for any unauthorized transactions using your Mastercard debit card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card FINANCIAL INSTITUTION NAMES from the risk of loss or theft, and (ii) upon becoming aware of a loss of theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Peoples National Bank of Kewanee Reynolds Banking Center Mastercard International Incorporated. To report lost or stolen PNB Debit Cards or Personal 207 N. Tremont St. 227 Main St. Identification Numbers (PIN) call (309)-853-3333. Kewanee, IL 61443 Reynolds, IL 61279 (309) 853-3333 (309) 372-4242 Contact in event of unauthorized transfer: If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed at the end of this disclosure. You should also call the number or write to the address listed at the end of this disclosure if you believe a transfer has been made using the information from your check without your permission.

ERROR RESOLUTION NOTICE ADDITIONAL INFORMATION In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if If you effect a transaction with your card in a currency other than US Dollars, Mastercard will convert you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. the charge into a US Dollar amount. The Mastercard currency conversion procedure includes use of either a government-mandated exchange rate or a wholesale exchange rate selected by Mastercard. (1) Tell us your name and account number (if any). The exchange rate Mastercard uses will be a rate in effect on the day the transaction is processed. This (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to why you believe it is an error or why you need more information. your account. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the (3) Tell us the dollar amount of the suspected error. transaction) for performing the currency conversion. In addition, Mastercard charges us an issuer Cross- Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard Debit Switch in which the country of the merchant is different than the country of the cardholder.

BUSINESS DAYS ARE MONDAY THROUGH FRIDAY. SATURDAY, SUNDAY AND CERTAIN FEDERAL LEGAL HOLIDAYS NOT INCLUDED.

Kewanee: (309) 853-3333 • Reynolds (309) 372-4242 22 We’re always open at www.pnb-kewanee.com. 25 26 Kewanee: (309) 853-3333 • Dwight: (815) 584-1212 • Seneca: (815) 357-1070

Welcome Guide inside pages FINAL.indd 22 12/15/2020 11:21:17 AM UNAUTHORIZED TRANSFERS If you inform us verbally, we may require that you send us your complaint or question in writing within 10 Consumer liability: Tell us at once if you believe your card and/or code has been lost or stolen, or if you business days. We will determine whether an error occurred within 10 business days (5 business days if involving believe that an electronic funds transfer has been made without your permission using information from a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) after your check. Contacting us immediately is the best way of keeping your possible losses down. You could we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to business days after you learn of the loss or theft of your card and/or code, you can lose no more than investigate your complaint or question. If we decide to do this, we will credit your account within 10 business $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 days (5 business days if involving a Visa point of sale transaction processed by Visa or 20 business days if the business days after you learn of the loss or theft of your card and/or code, and we can prove you could transaction involved a new account) for the amount you think is in error, so that you will have the use of the have stopped someone from using your card and/or code without your permission if you had told us, money during the time it takes us to complete our investigation. If we ask you to put your complaint or question you could lose as much as $500. Also, if your statement shows transfers that you did not make, including in writing and we do not receive it within 10 business days, we may not credit your account. An account is those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove the results within three business days after completing our investigation. If we decide that there was no error, we that we could have stopped someone from taking the money if you had told us in time. If a good reason will send you a written explanation. You may ask for copies of the documents that we used in our investigation. (such as a long trip or hospital stay) kept you from telling us, we will extend the time period.

BUSINESS DAYS ARE MONDAY THROUGH FRIDAY. SATURDAY, SUNDAY AND CERTAIN FEDERAL LEGAL HOLIDAYS NOT INCLUDED.

We’re always open at www.pnb-kewanee.com. We’re always open at www.pnb-kewanee.com. 23 25 26 Kewanee: (309) 853-3333 • Dwight: (815) 584-1212 • Seneca: (815) 357-1070

Welcome Guide inside pages FINAL.indd 23 12/15/2020 11:21:18 AM Member FDIC