APR*0%Shop At Home LoanLoans available November 25th December 24th.Limit $500 per person, $1,000 per household.**Loan Proceeds must be spent at participatingbusinesses by December 31st.Loans repaid in 12 monthly installments.When you shop locally,everyone benefits!www.fnbnorth.comEqual Housing LenderFirst NationalBankMember FDICAnnual Percentage Rate (Example: $1,000 loan at an APR of 0 % paid in 12 monthly payments of $83.33.)For Qualified Borrowers APR* 0% Shop At Home Loan Loans available November 25th December 24th. Limit $500 per person, $1,000 per household.** Loan Proceeds must be spent at participating businesses by December 31st. Loans repaid in 12 monthly installments. When you shop locally, everyone benefits! www.fnbnorth.com Equal Housing Lender First National Bank Member FDIC Annual Percentage Rate (Example: $1,000 loan at an APR of 0 % paid in 12 monthly payments of $83.33.) For Qualified Borrowers

Date: November 27, 2019

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First National Bank North - Baxter

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APR* 0% Shop At Home Loan Loans available November 25th December 24th. Limit $500 per person, $1,000 per household.** Loan Proceeds must be spent at participating businesses by December 31st. Loans repaid in 12 monthly installments. When you shop locally, everyone benefits! www.fnbnorth.com Equal Housing Lender First National Bank Member FDIC Annual Percentage Rate (Example: $1,000 loan at an APR of 0 % paid in 12 monthly payments of $83.33.) For Qualified Borrowers APR* 0% Shop At Home Loan Loans available November 25th December 24th. Limit $500 per person, $1,000 per household.** Loan Proceeds must be spent at participating businesses by December 31st. Loans repaid in 12 monthly installments. When you shop locally, everyone benefits! www.fnbnorth.com Equal Housing Lender First National Bank Member FDIC Annual Percentage Rate (Example: $1,000 loan at an APR of 0 % paid in 12 monthly payments of $83.33.) For Qualified Borrowers