A helpful guide for First National Bank of Dwight customers ...

WelcomeGUIDE

A helpful guide for First National Bank of Dwight customers transitioning to Peoples National Bank of Kewanee.

Peoples National Bankof Kewanee

Kewanee: (309) 853-3333 • Dwight: (815) 584-1212 • Seneca: (815) 357-10702

Peoples National Bankof Kewanee

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

Please take notice of the impor-tant 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 Dwight: (815) 584-1212Seneca: (815) 357-1070Kewanee: (309) 853-3333

Or visit us any time atwww.pnb-kewanee.com.

3We’re always open at www.pnb-kewanee.com.

Welcomefrom the President

We are delighted and honored to welcome you, the customers of First National Bank of Dwight, into the Peoples National Bank family. Over the past 90 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 Dwight and Seneca and the surrounding area.

As a result of our retaining all of the Dwight and Seneca employees, 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.

This Welcome Guide includes useful information concerning our products and services. For nearly every customer, your account number will remain the same and you can continue to use your First National Bank of Dwight checks through September 30, 2019. When those are exhausted, we will be providing you with a free standard order of new checks. Included in this guide is a comparison chart showing how your existing account(s) will be converted. Also included are important, and required, account disclosures. You should expect to receive a new debit card before May 26, 2018. Until then, please continue to use your existing debit card. Our intent with this transition is to make the process as seamless and easy for you as possible.

Again, welcome to Peoples National Bank. If you have additional questions, please visit us at your nearest location in Dwight or Seneca. You may also always visit our website at www.pnb-kewanee.com.

Sincerely,

Chip EastmanPresident & CEO


Table of Contents

For Your Information 5-6Important Dates 7To-Do List 8Mobile App 9Hometown Pride Program 10Priority Plus Club 11Account Conversion Chart 12Personal Savings Matrix 13Personal Checking Matrix 14-15Business Conversion Chart 16Business Checking Matrix 17Fee Schedule 18Privacy Notice 19-20Funds Availability Act 21Electronic Funds Transfer 22-26Branch & ATM Locations 27


For Your InformationUseful Information for the Transition

Account ConversionPeoples National Bank (PNB) will place you in the type of PNB deposit account most like your First National Bank of Dwight (FNB) account. This will occur on the weekend of conversion which is May 26, 2018.

See pages 12-15 for personal account information and see pages 16-17 for business account information.

Beginning March 2018, your FNB statements will now display your full account type description. For example, if your account type is a Regular Club Account, the description on your statement will now display as “Regular Club Account.” This will help you understand what account type you will be placed into once the con-version has taken place. For more information, see the chart on page 12. To use the earlier example, your Regular Club Checking Account would convert to PNB’s Extra Value Checking.

ATMsCurrent FNB ATMs will have a blackout period during which they are non-operational. This will occur on the morning of Friday, May 25, 2018.

All PNB ATM Locations:PNB has 15 convenient ATM locations. ATMs are located at each branch location, which are listed on the last page of this Welcome Guide. PNB also offers surcharge free ATM use at several Casey’s General Stores - Kewanee, Buda, Princeton, and Rock Falls. There is also a surcharge free ATM at the Wanee Cinemas in Kewanee, IL. Surcharge free ATMs are coming soon to Casey’s General Stores in Dwight and Seneca.

ATM CardsCustomers who currently only have an ATM card will receive a new PNB ATM card by May 27, 2018. Please do not attempt to use the card before May 27th.

Customers who currently have an ATM card and a debit card will receive only a PNB debit card. This card will serve as a card for purchases as well as work at the ATM

to withdraw cash. Please see the debit card section for more information.

You will receive your new card’s Personal Identification Number (PIN) within a few days of receiving your card. To change your PIN, please visit your local branch on or after May 29, 2018. PIN change via telephone will no longer be available.

Bill PayCurrent bill pay users will receive a separate mailing from PNB regarding the availability and timeline of bill pay. For more information, please see the important dates bill pay section on page 7.

If you currently utilize bill pay, it will be available in your new internet banking platform. Your current payees will be transfered to the PNB system, but any pending or recurring payments will NOT be carried over to the new system, so please be sure to check your payment amounts and payment dates.

You must set up any payments or recurring payments in the new system. It is important to note what payments you currently have in bill pay to make the process of setting them up in the new system easier. This way you are less likely to forget any payments.

Payment history will NOT convert to the new system. Please log in to your current bill pay platform and download and/or print any payment history you want to save. History will be unavailable after converting to the new internet banking and bill pay system.

Certificates of Deposit and IRAsAll existing certificates will continue to earn the annual percentage yield established when the certificate was opened until maturity. CDs and IRAs not renewed with a Customer Service Representative at maturity will automatically renew into the CD terms, conditions, and rates currently in effect at Peoples National Bank on the date of maturity.


ChecksPrior to the conversion, you will continue to order checks through FNB’s current provider with the FNB routing number. After the conversion date, new orders will be delivered with the PNB routing number. Your current checks will continue to work with FNB’s routing number until September 30, 2019. If you need more checks, they may be ordered via your local branch. You will receive your first order of standard checks for free.

Debit CardsCustomers that currently have a debit card will receive a mailing with instructions on how to select a new debit card design. The deadline for selecting a new debit card design is May 4th. Your new debit card will be delivered prior to the conversion date so that you have it on hand. It will automatically be activated, but please do not attempt to use it prior to Sunday, May 27th.

You will receive your new card’s Personal Identification Number (PIN) within a few days of receiving your card. To change your PIN, please visit your local branch on or after May 29, 2018. PIN change via telephone will no longer be available.

Direct Deposits & Electronic Funds TransfersIf you have existing direct deposits, preauthorized or other electronic transfer relationships associated with any ac-count, it should continue seamlessly without interruption.

Internet/Mobile BankingCurrent internet and mobile banking users will receive a separate letter from PNB with instructions for your initial login.

The FNB internet banking login site and mobile app will be unavailable on May 25, 2018. Your new internet bank-ing login site will be www.pnb-kewanee.com. You can download the PNB mobile app in your device’s app store by searching “PNB of Kewanee.” These will be available for initial login on May 27, 2018, but you must log in to internet banking before accessing the PNB mobile app.

After your initial internet banking login, please update the email address in your profile to your most current email address. Also, any current recurring account to account transfers must be set up again in the new system.

The previous three months of your internet banking statements will convert over.

Loan ServicesYour loans will not be affected by the conversion. You will continue to make loan payments in the same manner that you currently make payments.

Safe Deposit BoxRental due dates for current safe deposit box holders will not change.

Service ChargesAll account service charges will be waived through September 30, 2018. Excessive withdrawal fees on savings accounts still apply. Please see the fee schedule on page 18.

StatementsYour final FNB statement will be cut on Friday, May 25, 2018. This will include passbook savings and electronic statements. After this date, customers will adopt the PNB statement cycle according to the account type to which they have been converted. Customers that normally receive month end statements will have two statements cut in May, one on May 25th and one on May 31st.

All savings accounts, including passbook savings accounts, will receive semi-annual statements beginning June 30, 2018.

If you are currently receiving e-statements, you will continue to receive them with Peoples National Bank. Also, prior e-statement history will be available.

Telephone BankingTelephone banking will remain the same at 1-800-811-8718. Your PIN number for telephone banking will also remain the same.

WebsiteAfter the conversion date, you can visit www.pnb-kewanee.com to sign on to internet banking, get information on banking products, contact us, and more.


datesIMPORTANTAcquisition DateApril 2, 2018This is the date that the purchase of FNB will be official. You may notice a difference in appearance at your local branch. As of this date, bank documents such as new account documents, new loan documents, account statements, and notices will be titled in the name Peoples National Bank.

Conversion DateMay 26, 2018This is the date all FNB accounts and customers will convert to the PNB operating system. What does this mean for you? It means that any account or product you currenty have with FNB will be converted to a like ac-count or product with PNB.

ChecksMay 26, 2018With the exception of limited customers, your current checks will continue to work with FNB’s routing number until September 30, 2019. After this date, as you need to reorder, please contact your local branch with your order to ensure you receive checks with PNB’s routing number.

Debit CardsMay 4, 2018May 4th is the deadline for selecting your new PNB debit card design. If no design is selected, you will receive the basic PNB design. Debit Card users will receive more information on selecting a design via mail.

Between May 19 & May 26, 2018You will receive your new PNB debit card. The card will be active at this time, but please refrain from using it until May 27th. Please see the debit card section on page 6 for details regarding your PIN.

May 27, 2018You may now begin using your PNB debit card.

May 29, 2018Your FNB debit card will no longer work as of May 29, 2018 at 9:00 am.

Internet & Mobile BankingMay 4, 2018For a period of time, while we convert FNB users, no new internet banking or mobile banking users may sign up. Sign up will be disabled on May 4th.

May 25, 2018FNB’s internet banking website will no longer be available.

May 27, 2018Initial login available at www.pnb-kewanee.com.

May 27, 2018You may now set up any recurring transfers or any other scheduled transfers.

Bill Pay*May 4, 2018As of this date no new billers should be added because they will not transfer over.

May 27, 2018Customers need to set up bill pay payments on the PNB internet banking platform.

*Further information on the availabiltiy and timeline of bill pay will be communicated in a separate mailing.


to doLIST

a guide to transitioning your banking services

BEFORE CONVERSION(Prior to May 25th)

Review the Welcome Guide and look over your new account types.

Schedule any bill pay payments to be processed early enough to allow for conversion, as you will have to set them up again in the new system.*

Retrieve any history you want to keep from your bill pay system. You will no longer have access to your bill pay history after conversion. Bill pay users will receive more information via mail at a later date.*

Make note of your current bill pay setup so that you may mimic it in the new system.*

Download and save or print any statements you want to keep. Also, download and save or print any check images you want to keep.**

Note any transfers that are scheduled to occur after May 25th and any recurring transfers that will need to be set up in the new system. **

Select your preferred debit card design from PNB. (You will receive more instruction on selecting a debit card via mail at a later date.)

AFTER CONVERSION(After May 27th)

Log in to internet banking at www.pnb-kewanee.com.

Set up any one-time or recurring payments on the PNB bill pay system through internet banking.*

Set up and schedule any recurring account-to-account transfers in internet banking.**

Monitor any automatic transfers to and from your account for the first month to ensure that they con-verted successfully.

Download the PNB mobile app in your device’s app store by searching “PNB of Kewanee.”

* See bill pay section on page 5 for more information. **See internet banking section on page 6 for more information.


Pocket-sized convenience available at Peoples National Bank! Download our mobile app in your device’s app store and enjoy the benefits of banking on the go.

• Check Balances• Transfer Funds• View Transactions• Find PNB Branches• Find PNB ATMs• Contact PNB

To utilize PNB’s mobile app, you must be signed up for PNB’s internet banking. You will utilize the same user name a password for both services. To sign up for internet banking, please visit www.pnb-kewanee.com and enroll at the top of the homepage. You will be able to do this once you have your new PNB account number.

Mobile AppDownload it in your device’s app store.


Available exclusively to PNB customersShow your school spirit!

Introducing...

Hometown Pride

Checks

Hometown Pride

EMV Debit Cards

Show your school spirit with Hometown Pride Checks and Debit Cards available at PNB! Now available for Dwight Township High School and Seneca High School.

&

For every card ordered, PNB will donate $2 to the selected school.


The Priority Plus Club at Peoples National Bank offers special benefits, special trips, and a special relationship with Peoples National 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 notary and copying services, special checking benefits, and fun day trips club activities monthly. Members also receive a quarterly newsletter from the bank with announcements, holiday closures, and new activity and trip information.

If you are 55 or older, 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.

Available exclusively to PNB customersShow your school spirit!


First National Bank of Dwight Peoples National Bank

Regular Club Account

Extra Value CheckingClub Account

Senior NOW Club Account

NOW Club Account

Personal NOW Account NOW Account

Super NOW Account Super NOW Account

Regular Checking AccountRegular Checking

Student Checking Account

Personal Money Market Money Market


Regular Savings Regular Savings

Christmas Club No change to this year’s account. Club accounts for 2018-2019 will adopt PNB club program.

SAVINGS ACCOUNT CONVERSION

CHECKING ACCOUNT CONVERSIONPlease review your FNB account statement after March 2nd to see what type of account you have.

yourACCOUNTS


Svgs

PEOPLES NATIONAL BANK OF KEWANEESAVINGS ACCOUNT REFERENCE GUIDE

Regular Christmas/Vacation Club

$100.00 $2.00, $3.00, $5.00, multiples of $5.00 to $100.00: Also $250.00, $500.00 and

$1,000.00

26 free withdrawals semiannually, $2 per w/d after 26/$5 quarterly if balance falls

below $100N/A

see above N/A

N/A N/A

Yes Final payment made by PNB

No N/A

ATM available N/A

N/A N/A

Yes Yes

Yes N/A

N/A N/A

Unlimited-however considered a withdrawal

N/A

N/A N/A

***Exempt From Quarterly Service Charge

Bank-At-School Students: Full-time Students SSI Recipients, Senior Citizens (62 and older)

Not-For Profit Organizations Minors under age 18, ILUTMA Accountholders (under age 21) Last Updated: 10/30/2017

Free service charge on activity for first statement

Free Online Banking

Free e-Statements

Free Billpay

Unlimited use of PNB ATM's

Do I earn interest?

Interest rate tiers

Debit/ATM card available (foreign ATM charge)

How many debit card transactions do I receive?

What is the minimum amount to open?

What is my service charge? ***

To avoid service charge

How many checks may I write?

Svgs

PEOPLES NATIONAL BANK OF KEWANEESAVINGS ACCOUNT REFERENCE GUIDE

Regular Christmas/Vacation Club

$100.00 $2.00, $3.00, $5.00, multiples of $5.00 to $100.00: Also $250.00, $500.00 and

$1,000.00

26 free withdrawals semiannually, $2 per w/d after 26/$5 quarterly if balance falls

below $100N/A

see above N/A

N/A N/A

Yes Final payment made by PNB

No N/A

ATM available N/A

N/A N/A

Yes Yes

Yes N/A

N/A N/A

Unlimited-however considered a withdrawal

N/A

N/A N/A

***Exempt From Quarterly Service Charge

Bank-At-School Students: Full-time Students SSI Recipients, Senior Citizens (62 and older)

Not-For Profit Organizations Minors under age 18, ILUTMA Accountholders (under age 21) Last Updated: 10/30/2017


Free Online Banking

Free e-Statements

Free Billpay

Unlimited use of PNB ATM's

Do I earn interest?

Interest rate tiers




What is my service charge? ***



save with PeoplesPersonal Savings

*** Exempt From Quarterly Service Charge:Bank-At-School Students, Full-Time Students, SSI Recipients, Senior Citizens (62 and older),Not-For-Profit Organizations, Minors under age 18, & ILUTMA Accountholders (under age 21)


Chkg

Regular Basic Value Extra Value Now Super NowMoney Market

Peoples e-Power (PeP)

Health Savings Account (HSA)


$100.00 $100.00 $100.00 $100.00 $1,000.00 $2,500.00 $2,500.00 $100.00 $100.00

What is my monthly service charge?

See Service Charge Section on Next Page

***

$1.50 per month plus $0.25 for withdrawals

greater than 10$7.00 $5.50 $5.00 $5.00 $5.00 None None


Average balance greater than

$1,000.00N/A Daily balance over

$100.00N/A

Average daily balance over

$1,000.00


$2,500.00


$2,500.00N/A N/A


Unlimited 10 free Unlimited Unlimited Unlimited Unlimited 6 withdrawals Unlimited Unlimited

Free checks? **40 40 First Order Yes 40 40 40 None 40

Do I earn interest?No No Yes Yes Yes Yes Yes Yes Yes

Interest rate tiersN/A N/A $1,000.00 to $2,499.99

$2,500.00 & Over$1,000.00 to $2,499.99

$2,500.00 & OverAll Balances $0.00 to $2,499.99

$2,500.00 & Over$0.00 to $2,499.99 $2,500.00 & Over

Now Account Rate,Special rate if

qualifications met (See qualifications to the right)

N/A


Yes Yes Yes Yes Yes Yes N/A Yes Yes


UnlimitedUnlimited-however

considered a withdrawal

Unlimited Unlimited Unlimited Unlimited N/A Unlimited N/A

Free Online BankingYes Yes Yes Yes Yes Yes Yes Yes Yes

Free e-StatementsYes Yes Yes Yes Yes Yes Yes Yes Yes

Free BillpayYes Yes Yes Yes Yes Yes Yes Yes N/A

Unlimited use of PNB ATM'sYes Yes Yes Yes Yes Yes N/A Yes N/A


Yes Yes Yes Yes Yes Yes N/A N/A N/A

designed with you in mindPersonal Checking


Chkg

Regular Basic Value Extra Value Now Super NowMoney Market

Peoples e-Power (PeP)

Health Savings Account (HSA)


$100.00 $100.00 $100.00 $100.00 $1,000.00 $2,500.00 $2,500.00 $100.00 $100.00


See Service Charge Section on Next Page

***

$1.50 per month plus $0.25 for withdrawals

greater than 10$7.00 $5.50 $5.00 $5.00 $5.00 None None


Average balance greater than

$1,000.00N/A Daily balance over

$100.00N/A


$1,000.00


$2,500.00


$2,500.00N/A N/A


Unlimited 10 free Unlimited Unlimited Unlimited Unlimited 6 withdrawals Unlimited Unlimited

Free checks? **40 40 First Order Yes 40 40 40 None 40

Do I earn interest?No No Yes Yes Yes Yes Yes Yes Yes

Interest rate tiersN/A N/A $1,000.00 to $2,499.99

$2,500.00 & Over$1,000.00 to $2,499.99

$2,500.00 & OverAll Balances $0.00 to $2,499.99

$2,500.00 & Over$0.00 to $2,499.99 $2,500.00 & Over

Now Account Rate,Special rate if

qualifications met (See qualifications to the right)

N/A


Yes Yes Yes Yes Yes Yes N/A Yes Yes


UnlimitedUnlimited-however

considered a withdrawal

Unlimited Unlimited Unlimited Unlimited N/A Unlimited N/A

Free Online BankingYes Yes Yes Yes Yes Yes Yes Yes Yes

Free e-StatementsYes Yes Yes Yes Yes Yes Yes Yes Yes

Free BillpayYes Yes Yes Yes Yes Yes Yes Yes N/A

Unlimited use of PNB ATM'sYes Yes Yes Yes Yes Yes N/A Yes N/A


Yes Yes Yes Yes Yes Yes N/A N/A N/A

designed with you in mindREGULAR CHECKING:

SERVICE CHARGE FORREGULAR CHECKING

There is a $0.10 activity fee for each withdrawal from your account.

You will receive a $0.10 credit back for every $20.00 in average daily balance.

There is no maintenance fee, activity fee, or credit back if your average daily balance is $1,000.00 or more.

*** There is no service charge on Regular Checking for Senior Citizens (62 and older) and Full-Time Students.

Minimum DailyBalance

$501 and above$401 to $500$301 to $400$201 to $300$101 to $200

$0 to $100

Monthly ServiceCharge

No Charge$1.00$2.00$3.00$4.00$5.00

PEOPLES e-POWER CHECKING (PeP):Qualifications:1. Direct deposit into account at least monthly2. Minimum of 15 debit card purchases per statement cycle3. Receive electronic statements (must sign up for these at account opening)

** FREE CHECKSFree standard/non “duplicate” checks


BUSINESS CHECKING CONVERSION

BusinessChecking


Business Checking Account Small Business Checking

Corporate Money Market Money Market

Business NOW Account NOW Account

Super NOW (Business) Account Super NOW Account


Business

PEOPLES NATIONAL BANK OF KEWANEEBUSINESS CHECKING REFERENCE GUIDE

Commercial Checking

Small Business Checking

Business Money Market

Business Now/SuperNow

Public Fund Checking Commercial Savings

Qualified Parties

All Businesses Sole Proprietors All BusinessesSole Proprietorship, Non-

Profit Organizations, Government Agencies

Governments Agencies All Businesses


$100.00 $100.00 $2,500.00 $1,000.00 $100.00 $100.00


Account Analysis $5.00 $5.00 $5.00 None 26 free withdrawals semiannually, $2 per w/d after 26/$5 quarterly if balance falls below $100

To avoid service chargeAccount Analysis

Daily Balance over $500.00

Average Daily Balance over $2,500.00

Average Daily Balance over $1,000.00

N/A N/A

How many checks may I write?Unlimited Unlimited 6 withdrawals Unlimited Unlimited None

Do I earn interest?N/A None Yes Yes No Yes


Yes Yes N/A Yes N/A N/A


Unlimited Unlimited N/A Unlimited N/A N/A

Free Online BankingYes Yes Yes Yes Yes Yes

Free e-StatementsYes Yes Yes Yes Yes Yes

Free BillpayYes Yes Yes Yes Yes N/A

Unlimited use of PNB ATM'sYes Yes N/A Yes N/A N/A


Yes Yes Yes Yes N/A Yes

Last Updated: 10/30/2017


Deposit Fees Miscellaneous Fees ContinuedNSF Return/Paid Item Fee for Chkg. and Svng. $25.00 Night Depository Bag and Key $30.00Overdraft Fee $25.00 Night Depository Extra Key $5.00Stop Payment Request $25.00 Blue Zipper Bags (Large) $5.00MMDA Transfers and/or Checks > 6 per mo $5.00 Blue Velcro Bags (Small) $5.00Savings Excess Withdrawal > 26 semi-annually - per WD $2.00 Blue Cloth/Nylon Bags (Large) $5.00Dormant Account Fee ($25.00 semi-annually) $25.00 Priority Plus Movie Guest Fee $1.00OD Protection/Min. Bal. Transfer Fee - Per Transfer $1.00Telephone Transfer Fee $2.00 Wire Transfer FeesAccount Balance Inquiry Fee $2.00 Domestic Wire Incoming - CUSTOMERS ONLY $5.00Account Closing (within 90 days of opening) $25.00 Domestic Wire Outgoing - CUSTOMERS ONLY $25.00Christmas/Vacation Club Early Closing Fee $5.00 International Wire Incoming - CUSTOMERS ONLY $15.00Reopening Account within 90 days of Closing $25.00 International Wire Outgoing - CUSTOMERS ONLY $50.00Temporary Check Fee - per check $0.50Account Reconcilement - per hour (hour min.) $25.00 Garnishment, Levy & Collection FeesChecking/Savings Printout Statement $1.00 Garnishment/Levy Fee $50.00Account Research Fees: Collection Item Fee $15.00

Per item < than 2 yrs. old $2.00Per item > than 2 yrs. old *** $3.00 Service FeesPer statement < than 2 yrs. old $2.00 Auto License Renewal Sticker Fee $7.50Per statement > than 2 yrs. old *** $3.00 License Processing Fees for Customers $30.00Stmt. with Check Images < than 2 yrs. old $3.00 License Processing Fees - Loan Customers – Vehicle Titles $10.00Stmt. 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 $10.00Coin Counting (Charge to Non-Customers Only) $2.00 min. $2.00/$100

ATM & Debit Card Fees Signature Guarantee Fee Medallion Stamp - Customers Only $20.00ATM Non-Customer Surcharge Fee $2.50 Notary Public No ChargeNon-PNB ATM Withdrawal $0.50 Fax - per page $1.00Non-PNB ATM Balance Inquiry $0.25 Photocopies - per page $0.25Non-PNB ATM Transaction Denial $0.25 Rec Check - Per Month Base Charge includes 35 Items Free $35.00ATM/Debit Card Replacement Fee $10.00 Per Item Fee over 35 Items $0.25

Per Item Fee for Secondary Account $0.25Official 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 $150.00Cashiers Check Fee - Seniors (62+) $2.00 Safe Deposit Box Lost Key (Per Key) $10.00Personal Money Order Fee $3.00Personal Money Order Fee - Seniors (62+) $2.00 Loan FeesStop Payment Fee - Cashiers Checks & Money Orders $25.00 Installment Loan Fee $75.00

Real Estate Loan Fee $500.00Miscellaneous Fees USDA Loans - Whichever is greater $500.00 or 1%

Check Cashing Fee (Applicable to Non-Customers ONLY) $5.00 Real Estate Construction Loan Fee - Minimum $600.00Foreign Check Processing $20.00 Loan Extension Fee $60.00External Transfer Set-up Fee $5.00 Loan Amortization Schedule Fee $5.00Indemnity Bond Fee for Lost Instruments $25.00

Fee ScheduleEffective August 1, 2017


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 TIMESKewanee M, Tu, W, F 3:00 p.m.

Th NOONSouthtown M, Tu, W, F 2:00 p.m.

Th NOONAnnawan M, Tu, W, Th, F 2:30 p.m.Bradford M, Tu, W, Th, F 2:30 p.m.Manlius M, Tu, W, Th, F 2:30 p.m.Sheffield M, Tu, W, Th, F 2:30 p.m.Tampico M, Tu, W, Th, F 2:30 p.m.Dwight M, Tu, W, Th, F 3:00 p.m.Seneca M, Tu, W, Th, F 3:00 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 $200 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 $5,000 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 $5,000 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 $5,000 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

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


PEOPLES NATIONAL BANK OF KEWANEE ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

The Electronic Funds Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

TYPE OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS Prearranged Transfers: You may make arrangements for certain direct deposits to be accepted into your checking and/or savings account(s). You may also make arrangements to pay certain recurring bills from your checking and/or savings account(s). To verify a preauthorized deposit or to stop automatic payments please call 309-853-3333. Telephone Transfers: You may access your account(s) by telephone at 1-800-811-8718 using a touch tone phone, your account numbers, and personal identification number (PIN) to transfer funds from checking to savings, transfer funds from savings to checking, make payments from checking to loan accounts with us, get checking information, and get savings information. ATM Transfers: You may access your account(s) by ATM using your PNB ATM or Debit Mastercard and personal identification number (PIN) to get cash withdrawals from checking and savings accounts. You may withdraw no more than $500** per day from checking accounts and no more than $500** per 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 account(s) information. **Change to daily withdrawal limit is subject to bank review and approval. Point-Of-Sale Transactions (POS): Using your card, you may access your checking account(s) to purchase goods in person, by phone, by computer, get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. You may not exceed more than $1,000** in transactions per day. **Change to daily withdrawal limit is subject to bank review and approval. Computer Transfers: You may access your account(s) by computer via www.pnb-kewanee.com and using your access ID and Password. You may transfer funds from checking to savings and transfers funds from savings to checking, to make payments from checking to loan accounts with us, to make payments from your checking account to third party accounts, to get checking account and savings account information, to get certificate of deposit information or to get loan information. Mobile Banking Transfers: You may access your account(s) by web-enabled cell phone by using your access ID and password to transfer funds from checking to savings, transfer funds from savings to checking make payments from checking to loan accounts with us, get checking account(s) information, get savings account(s) information and to make payments from your checking account to third party accounts. You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges.


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 or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic funds transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt.) In all cases, these 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 withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Example of these transfers include, but are not limited to: Electronic check conversion: You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or bills. Electronic returned check charge: You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds.

GENERAL LIMITATIONS 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 of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party, are limited to six (6) per month. If you exceed the transfer limitations set forth above, your account shall be subject to closure. You may make purchases with your debit MasterCard up to the specified amount established by the bank to purchase goods and services. We charge $0.50 for withdrawals at non-PNB ATM’s and we charge $0.25 for balance inquiries and denial transactions at non-PNB ATM’s, otherwise we do not charge for Electronic Funds Transfers.

DOCUMENTATION Terminal Transfers: You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point of sale terminal. Preauthorized Credits: If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the telephone number listed below 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.

PREAUTHORIZED PAYMENTS

Right to stop payments and procedure for doing so: If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Call or write us at the telephone number or address listed in this disclosure, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your


request in writing and get it to us within 14 days after you call. We charge $25.00 for each stop payment. Notice of varying amounts: If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) Liability for failure to stop payment of preauthorized transfer: If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION’S LIABILITY Liability for failure to make transfers: If we do not complete a transfer to or from your account on 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: If through no fault of ours, you do not have enough money in your account to make the transfer If the transfer would go over the credit limit on your overdraft line If the automated teller machine where you are making the transfer does not have enough cash If the terminal or system was not working properly and you knew about the breakdown when

you started the transfer If the circumstances beyond our control (such as fire or flood) prevent the transfer, despite

reasonable precautions that we have taken There may be other exceptions stated in our agreement with you

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make: (1) Where it is necessary for completing transfers; or (2) In order to verify the existence and condition of your account for a third party, such as a credit

bureau or merchant; or (3) In order to comply with government agency or court orders; or (4) If you give us written permission; or (5) As explained in the separate Privacy Disclosure

UNAUTHORIZED TRANSFERS

Consumer liability: Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove you could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (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 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 Mastercard International Incorporated. To report lost or stolen PNB ATM Cards, Debit Cards or Personal Identification Numbers (PIN) call (309)-853-3333. 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 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 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.

(1) Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why

you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if involving a Visa point of sale transaction processed by Visa or 20 business days if the transaction involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

FINANCIAL INSTITUTION NAMES Dwight Banking Center Seneca Banking Center 122 W. Main St. 395 S. Main St. Dwight, IL 60420 Seneca, IL 61360 (815) 584-1212 (815) 357-1070

Peoples National Bank of Kewanee 207 N. Tremont St. Kewanee, IL 61443

(309) 853-3333


ADDITIONAL INFORMATION If you effect a transaction with your card in a currency other than US Dollars, Mastercard will convert 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. The exchange rate Mastercard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the 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.


Main Office &Southtown Drive Up Facility(309) 853-3333207 N. Tremont St.Kewanee, IL 61443

Lobby M-W 9AM - 3 PMHours Th 9 AM - 12 PM F 9 AM - 5 PM Sa 9 AM - 12 PM

Drive M-F 8 AM - 6 PMUp Sa 8 AM - 12 PM

Sheffield Banking Center(815) 454-2444238 W. Railroad St.Sheffield, IL 61361

Lobby M-W 9AM - 3 PMHours Th 9 AM - 12 PM F 9 AM - 5 PM Sa 9 AM - 12 PM


Tampico Banking Center(815) 438-6365112 S. Main St.Tampico, IL 61283

Lobby M-F 8 AM - 2 PMHours Sa 8 AM - 12 PM


Bradford Banking Center(309) 897-7201179 W. Main St.Bradford, IL 61421

Lobby M-Th 9AM - 3 PMHours F 9 AM - 5 PM Sa 8:30 AM - 12 PM

Annawan Banking Center(309) 935-5566111 N. Canal St.Annawan, IL 61234

Lobby M-Th 9AM - 3 PMHours F 9 AM - 5 PM Sa 9 AM - 12 PM


Manlius Banking Center(815) 445-2622109 W. Maple Ave.Manlius, IL 61338

Lobby M-F 8AM - 2 PMHours Sa 8 AM - 12 PM


Dwight Banking Center(815) 584-1212122 W. Main St.Dwight, IL 60420

Lobby M-Th 9AM - 3 PMHours F 9 AM - 5 PM Sa 9 AM - 12 PM

Drive M-Th 7:45 AM - 5 PMUp Fr 7:45 AM - 6 PM Sa 8 AM - 12 PM

Seneca Banking Center(815) 357-1070395 S. Main St.Seneca, IL 61360

Lobby M-Th 8:30AM - 5 PMHours F 8:30 AM - 5:30 PM Sa 8:30 AM - 12 PM

Drive M-Th 8:30 AM - 5 PMUp Fr 8:30 AM - 5:30 PM Sa 8:30 AM - 12 PM

Branches & ATMsInformation & Hours

ATM LocationsPNB has convenient ATMs at all of our branch locations. We also offer nosurcharges at the following ATMs:

Casey’s General Store 618 N. Main St. Kewanee, IL 61443

Casey’s General Store 317 Pine St.Buda, IL 61314

Casey’s General Store 520 W. Peru St. Princeton, IL 61356

Casey’s General Store 1201 W. Route 30 Rock Falls, IL 61071

Wanee Cinemas106 S. Main St.Kewanee, IL 61443

Coming soon...Casey’s General Store 100 Watters Dr.Dwight, IL 60420

Casey’s General Store 311 N. Union St.Dwight, IL 60420

Casey’s General Store 225 N. Main St.Seneca, IL 61360

Member FDIC

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