Welcome to First National Bank and Trust Company

Welcome to First National Bank and Trust Company

Shared history, common values, family-owned.

Welcome to First National Bank and Trust Company As you know, Walworth State Bank and First National Bank and Trust Company have joined forces. The merger brings together two financially-sound, family-owned, truly local community banks to create an even stronger financial institution to serve our customers and communities financial needs in Walworth County and the entire Stateline area. We are committed to making this transition smooth and easy for you. Our customers are at the heart of our company, and we believe this partnership will enable us to better serve your needs. This booklet is designed to answer questions you may have about your accounts and your new relationship with First National Bank. If you have additional questions that were not answered here, we invite you to visit www.fnbtwelcomesu.com, contact us toll free at 800.667.4401 or email customersupport@bankatfirstnational.com. We welcome you as a customer of First National Bank and look forward to serving you. Sincerely, Steve Eldred President & CEO First National Bank and Trust Company

We are your truly local, family-owned community bank. With more than 130 years in the banking business, First National Bank and Trust is a truly local, family-owned community bank headquartered in Beloit, Wisconsin, serving 9 different communities with 12 branches in Northern Illinois and Southern Wisconsin. Our partnership with Walworth State Bank extends our footprint into Walworth County and allows us to serve 13 communities with 16 branches. For generations we ve been your neighbor with locations in Beloit, Clinton, Darien, Janesville and throughout the Stateline area. From excellent customer service to the best-in-class offerings, we work to make a difference in the lives of families and our community. As we see it, being involved is more than doing something nice for our neighbors it s our responsibility to help our community grow by supporting the economic well-being and quality of life for everyone. Providing Sound Advice since 1882

Table of Contents General Questions... 5 Branch Hours and Locations... 7 Personal Accounts Checking... 9 Savings & Money Market... 12 CDs & IRAs... 13 Loans & Mortgages... 15 Specials/Coupons... 16 Business Accounts Checking, Savings & Money Market... 17 Introduction This booklet is provided as an introduction to First National Bank s products and services. It may be used with the separate Change In Terms booklet you received in the envelope with this guide. This booklet references your Walworth State Bank accounts and the corresponding First National Bank accounts they will be transitioned to. The Change In Terms booklet also includes the First National Bank Privacy Policy and explains any changes to fees, service charges, processes and other details about your accounts. We are committed to making this transition as smooth as possible and have designed these pieces to help you learn about your new First National Bank accounts and services. 4

General Questions When will I officially become a First National Bank and Trust customer? Beginning April 25, 2016, you will officially be a customer of First National Bank with access to more than 70,000 surcharge-free ATMs worldwide, 16 full service FNBT branch locations and state-of-the-art online and mobile banking. Will the branches be open during the conversion? The Walworth State Bank branches will close at their normal time on Friday, April 22 and remain closed on Saturday, April 23, reopening on Monday, April 25 as First National Bank locations. Is there anything I need to do right now? No. Continue to bank as usual with Walworth State Bank. For detailed information on account changes, including new features and benefits, please read the information in the Change in Terms booklet. If you have additional questions, feel free to call us toll free at 800.667.4401 or email customersupport@bankatfirstnational.com. Community-focused, independently minded, locally grown. Strong and secure since 1882. Trust is more than just part of our name. Independent rating firm Bauer Financial has recommended us as a 5-Star Institution for sound banking practices. 5-Stars is the highest rating awarded by Bauer. You can rely on First National Bank to be there when you need us. Will the ATM machines at the Walworth State Bank branches be available to use during conversion weekend? Yes. There will be no interruption of ATM service during the conversion, other than normal downtime for maintenance. Please continue to use your Walworth State Bank debit card through April 24. Will my night deposit box key still work? We do not anticipate reissuing new keys or bags at this time. Please continue to conduct night deposit business as usual. 5

Does First National Bank offer Telephone Banking? Yes. To access First National Bank s Telephone Banking service, call 800.667.4401, press 2 and follow the simple instructions. If you already have a 4 digit Telebank personal ID number (PIN), you will be able to access the system with the same number on April 25. If you have not used this system before and would like to establish a PIN, please call us at 800-667-4401. What will happen to my safe deposit box? There will be no changes to the safe deposit boxes at this time. Will my Walworth State Bank online banking account transfer over to a First National Bank online banking account? Both consumer and commercial online banking services will transfer. You will receive more detailed information regarding online account access and your Access ID and Password in a separate notification. Will I need a new ATM card and/or debit card? If you currently have a Walworth State Bank ATM card and/or debit card, or business debit card, you will receive a First National Bank card in the mail prior to conversion. Continue to use your Walworth State Bank debit/atm card through Sunday, April 24. You may begin using your new First National Bank ATM card and/or debit card on Monday, April 25, 2016. Will my PIN change? You will receive instructions with your new card to call 888.365.8873 to activate and select your PIN. You may choose to use the same PIN you have today. Will my deposits be FDIC-insured after the conversion? Yes. First National Bank is an FDIC-insured institution and depositors are insured up to the limits allowed by law. The convenience you need. Starting April 25, you will have access to more than 70,000 surcharge-free ATMs. As part of the Allpoint and MoneyPass ATM Networks, our customers have access to ATMs around the world and the ATMs located at our branches. Simply visit bankatfirstnational.com/locations to find an ATM near you. 6

Branch Hours and Locations Will the Walworth State Bank branches remain open after the conversion? Yes. All Walworth State Bank locations will remain open and will become branches of First National Bank and Trust after conversion. Will the branch hours change at the Walworth State Bank locations? In order to streamline operations and improve efficiencies we will be standardizing lobby hours. Effective April 25, all Walworth State Bank locations will have the following hours: Lobby: Monday-Thursday: 9am-5pm Friday: 9am-5:30pm Saturday: 9am-12pm Drive-Up: Monday-Thursday: 8am-5pm Friday: 8am-6pm Saturday: 8am-12pm May I use any First National Bank location to do my banking? Starting April 25, you may use any First National Bank location. For your convenience, we ve listed all our branch locations on the next page. Argyle 81 Monroe Wisconsin Illinois 81 Janesville Beloit Rockton Roscoe Winnebago Elkhorn Delavan Darien Clinton Williams Bay 43 90 Walworth 20 90 Deeply rooted in the community. 39 7

BRANCH LOCATIONS Wisconsin 321 Milwaukee Street Argyle, WI 53504 608.543.3321 345 East Grand Avenue Beloit, WI 53511 608.363.8000 1882 Inman Parkway Beloit, WI 53511 608.363.8001 1795 Madison Road Beloit, WI 53511 608.363.8002 2600 Cranston Road Beloit, WI 53511 608.313.3001 500 Peck Avenue Clinton, WI 53525 608.676.5552 218 N. Walworth Street Darien, WI 53114 262.882.5580 Illinois 300 E. Main Street Rockton, IL 61072 815.624.8111 1221 S. Shore Drive Delavan, WI 53115 262.728.4217 190 E. Geneva Street Elkhorn, WI 53121 262.743.2223 2636 S. US Hwy 51 Janesville, WI 53546 608.314.8588 1625 10th Street Monroe, WI 53566 608.328.5100 Drive-Thru Only 1919 10th Street Monroe, WI 53566 608.328.5100 105 State Road 67 Walworth, WI 53184 262.275.6154 121 Walworth Ave Williams Bay, WI 53191 262.245.9915 500 N. Elida Street Winnebago, IL 61088 815.335.2366 5360 Bridge Street Roscoe, IL 61073 815.623.3300 8

Personal Accounts Checking If your Walworth State Bank account is called Your new First National Bank account will be called Basic Checking Regular Checking Senior Checking Student Checking 18 years of age or younger Student Checking age 19+ Merit Club Checking NOW Checking See Change in Terms booklet for details Everyday Checking Everyday Checking Everyday Checking Teen Checking Everyday Checking Privilege Plus Checking Privilege Plus Checking All First National Bank consumer checking accounts include the following convenient benefits: n Free online banking and bill pay n Debit MasterCard with Free Rewards Program n Free E-Statements n Free Mobile Banking n Access to more than 70,000 surcharge-free Allpoint & MoneyPass ATMs worldwide n Telephone Banking Will my checking account number change? At this time, we expect your account number to remain the same. If there are any changes required, a communication will be provided in a timely manner, along with detailed instructions to ensure a smooth transition. 9

Our Debit Card Rewards Program is as easy as 1-2-3 1. Earn Rewards Points by using your First National Bank Debit MasterCard for everyday purchases. 2. We ll send you a quarterly certificate in the mail with your earned points, or you may choose to have your points automatically load into your rewards account. 3. Redeem your points for gift cards and merchandise at bankatfirstnationalrewards.com For more information about First National Bank s Debit Card Rewards Program, visit bankatfirstnational.com/rewards. What will happen to my checks and deposit slips? You may continue to use your same accounts, checks and deposit slips. We will strive to make your transition as simple as possible and will notify you in advance when your checks or deposit slips require replacement. If I write a check before April 23 and it doesn t clear until after the conversion, will it be paid? Yes. All Walworth State Bank checks will be sent to First National Bank. If the funds are available in your checking account, the checks will be paid. Will I need to change my direct deposit? No. If you receive social security, payroll or other ACH direct deposits into your accounts, you will not notice any disruption of service. There is nothing you need to do, as your deposits will automatically be transitioned to your First National Bank accounts upon conversion. Will I need to change any automatic debits or bill payments that come out of my account? No. Your automatic payments and online bill payments will transfer to First National Bank making the transition easy and convenient. There is nothing you need to do, as your payments will automatically be transitioned to your First National Bank accounts upon conversion. 10

Personal Accounts Checking Will I need to change any automatic debits or recurring payments that I ve set up with my debit card? Yes. If you have automatic payments set up directly with your Walworth State Bank debit card, you will need to revise those payments starting April 25, using your new First National Bank Debit MasterCard, which will have a new debit card number. More information will be provided with your new debit card to help you with this transition. Will I receive my checking account statement on the same day I did with my Walworth State Bank account? Statement cycles may change depending on the type of account you have. Does First National Bank offer Overdraft Protection? Yes. First National Bank offers Overdraft Privilege as a discretionary overdraft service on qualified checking accounts, along with the option to set up transfers from other deposit accounts or apply for an overdraft line of credit. What s the big deal about BaZing? Privilege Plus Checking customers receive these benefits! Cell Phone Protection Grocery Coupons Identity Theft Aid Pharmacy, Vision & Hearing Travel Protection Discounts Visit Shopping, bankatfirstnational.com/mobile Dining & Travel Free BaZing app on the App for a free tutorial! Discounts Store & Google Play Any FNBT consumer checking account holder can try a free sample BaZing membership at www.bazing.com/fnbtsample 11

Personal Accounts Savings & Money Market If your Walworth State Bank account is called Your new First National Bank account will be called Statement Savings Christmas Club Individual Health Savings Family Health Savings Personal Money Market Money Market IRA First Choice Savings Four Seasons Savings Health Savings Health Savings Matrix Money Market IRA Variable Savings See Change in Terms booklet for details Will my account numbers change? At this time, we expect your account number to remain the same. If there are any changes required, a communication will be provided in a timely manner, along with detailed instructions to ensure a smooth transition. Will I need to order new money market checks? You may continue to use your same accounts, checks and deposit slips at this time. We will strive to make your transition as simple as possible and will notify you in advance when your checks or deposit slips require replacement. Will I receive my savings and money market account statements at the same time of the month as in the past? Statement cycles may change depending on the type of account you have. 12

Personal Accounts CDs Will the rate or terms of my CD change? No. Your CD will stay the same. First National Bank will honor all current CD rates and terms through the date of maturity. What do I do with my paper certificate for my CD? You may retain your certificate for your records. What will happen to my retirement plan? Individual Retirement Accounts (IRAs) will transfer with the same rates and terms. The plan types, such as Roth, Education, Conduit and Inherited, will not change. Is your current asset allocation fitting your needs? Isn t it worth a second look? You have a wide array of choices when it comes to your investment management. Contact us for a comprehensive no-obligation review of your current strategy. bankatfirstnational.com/secondlook 13

FDIC Insurance Coverage If you had accounts at both First National Bank and Trust and Walworth State Bank, you may be affected by a limitation of FDIC insurance coverage due to the merger. For clients who currently maintain accounts at both banks: 1. Your converted deposit accounts will be separately insured from any accounts you already have at First National Bank for six months after February 2, 2016. For example: on February 2, 2016, separate insurance coverage started and will continue until August 2, 2016. 2. For time deposits, the separate deposit insurance will continue until the first maturity date after the expiration of those six months. Please refer to the exceptions below. 3. During this 6-month time period, the depositor must rearrange their deposits, if necessary, to maintain appropriate levels of FDIC insurance coverage. Exceptions that apply to time deposits: Time deposits that mature within the 6-month period and are renewed for the same amount with or without accrued interest added to the account AND the same term as the original deposit will continue to have separate insurance coverage until the next maturity date. For example: The 6-month extension period expires August 2, 2016. Jane Doe s CD matures July 15, 2016, within the 6-month period. Jane Doe does not make any changes to this account and lets it renew automatically. Jane will receive separate insurance coverage until her NEXT maturity date. Time deposits that mature within the 6-month period and are renewed for a different term or amount will not be insured separately after the 6-month period expires. For example: The 6-month extension period expires August 2, 2016. John Doe s CD matures July 15, 2016, within the 6-month period. John Doe changes the length of time the dollars are invested (term). John s separate insurance coverage would end on August 2, 2016, at the end of the 6-month period. If you have specific questions, please refer to the FDIC s website (www.fdic.gov), telephone information center 1.877.ASK.FDIC (1.877.275.3342) or contact First National Bank Customer Support at 1.800.667.4401. 14

Personal Accounts Loans & Mortgages Will my loan account number change? At this time, we expect your account number to remain the same. If there are any changes required, a communication will be provided in a timely manner, along with detailed instructions to ensure a smooth transition. Will my rates change? No. The rate you pay on your loan or mortgage will be honored by First National Bank and guaranteed through the terms of your agreement. After those terms have expired, you may apply for a similar First National Bank product. Will there be a change in how I make my loan payment? Yes. The address where you send your loan payment will change. If you pay by mail, you will receive a loan statement each month that includes a perforated payment slip to include with your payments. Your loan payment due date will remain the same. I have my loan payment automatically deducted from my checking account. Will this service continue? Yes. The date the loan payment is deducted, as well as the terms and conditions of your loan, will remain the same. Will I be able to continue to use my current checks for my Home Equity line? You may continue to use the same checks with your current Home Equity Line after April 25. We will notify you in advance if your checks need replacement. Will my escrow accounts transfer to First National Bank? Yes. Consumer Mortgage Escrow accounts will transfer to First National Bank upon conversion. Please consult your commercial relationship manager to discuss commercial escrows. How will tax reporting be handled with the form 1098? Interest paid in 2016 on all loan accounts will be reported by First National Bank. Will I receive a new Visa Credit Card to replace my Walworth State Bank Visa Credit Card? Yes. You will receive a separate letter with a new First National Bank and Trust Visa credit card in the coming weeks. We expect the benefits of your credit card to remain the same. 15

Specials/Coupons $250 OFF Mortgage Closing Costs on a new First National Bank Mortgage Offer good with the opening of a new First National Bank first mortgage only. FNBT checking account with direct deposit or mortgage auto payment required. Available for qualified owner-occupied 1-4 family residences only. Offer ends 07/31/2016. Platinum Savings is Secure, Accessible and Competitive 1.19% APY * guaranteed for the first 12 months on balances of $25,000 or more Tier* First 12 Months After 12 Months $100,000+ 1.19% 0.25% $50,000 - $99,999.99 1.19% 0.23% $25,000 - $49,999.99 1.19% 0.21% $0 - $24,999.99* N/A 0.02% *APY (Annual Percentage Yield) shown is variable and effective as of March 1, 2016. Rates are subject to change without notice. Fees may reduce earnings. Offer may end at any time without notice, but no later than 7/31/16. Minimum of $10,000 new money required which is defined as funds not currently on deposit at Walworth State Bank or First National Bank and Trust. Minimum balance of $25,000 is required to open account and earn introductory APY. If balance falls below minimum requirement, rate will adjust to standard savings rate on that day and any day the balance remains below. As of March 1, 2016, standard savings rate is 0.02%. Federal regulations require standard savings withdrawal restrictions apply. Platinum Savings not available for public funds. Member FDIC. Offer ends 07/31/2016 Refer Friends and Family to First National Bank and Receive 350 Rewards Points Refer a friend or family member to open a new First National Bank personal checking account and receive 350 Rewards Points. Visit bankatfirstnationalrewards.com to learn more. 16

Business Accounts Checking, Savings & Money Market Business Checking Account Conversion Guide If your Walworth State Bank account is called Your new First National Bank account will be called Small Business Account Regular Business/Organization Account Business/Organization NOW Account Free Business Checking Free Business Checking Business Interest Checking Your business debt MasterCard works even harder for your business! Get automatic rebates on fuel, maintenance, travel, shipping and more. Visit easysavings.com for details. Business Savings & Money Market Account Conversion Guide If your Walworth State Bank account is called Business Statement Savings Your new First National Bank account will be called Business Savings 16 Business Money Market Business Matrix Money Market See Change in Terms booklet for details Will my account number change? At this time, we expect your account number to remain the same. If there are any changes required, a communication will be provided in a timely manner along with detailed instructions to ensure a smooth transition. Will I need to order new checks? You may continue to use your same accounts, checks and deposit slips at this time. We will strive to make your transition as simple as possible and will notify you in advance when your checks or deposit slips require replacement. 17

If I write a check before April 23 and it doesn t clear until after the conversion, will it be paid? Yes. All Walworth State Bank checks will be sent to First National Bank. If the funds are available in your checking account, the checks will be paid. Will I receive my account statement on the same day I did with my Walworth State Bank account? Statement cycles may change depending on the type of account you have. Will I need to change my direct deposit or direct payment program? No. If you receive any ACH direct deposits into your accounts, you will not notice any disruption of service. There is nothing you need to do, as your deposits will automatically be transitioned to your First National Bank accounts upon conversion. Will I need to change any automatic debits or bill payments that come out of my account? No. Your automatic payments and online bill payments will transfer to First National Bank making the transition easy and convenient. Will I need to change any automatic debits or recurring payments that I ve set up with my debit card? Yes. If you have automatic payments set up directly with your Walworth State Bank debit card, you will need to revise those payments starting Monday, April 25, using your new First National Bank Debit MasterCard, which will have a new debit card number. More information will be provided with your new debit card to help you with this transition. 18

First National Bank and Trust Company 345 East Grand Avenue Beloit, WI 53511 www.bankatfirstnational.com Member FDIC