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First Rate Checking:

*APY=Annual Percentage Yield. APYs accurate as of 07/01/2018. Rates may change after account is opened. If qualifications are met each calendar month (statement cycle): (1) Domestic ATM fees incurred using Rewards Checking check card during calendar month (statement cycle) will be reimbursed up to $25.00 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 3.01%; and (3) balances over $25,000 earn 0.15% dividend rate on the portion of the balance over $25,000, resulting in 3.01% - 0.72% APY depending on the balance. If qualifications are not met, all balances earn 0.15% APY. Please note that the purchases MUST actually post to your account during the monthly qualification cycle. We post purchases to your account when we receive them from the merchant and that may occur one or more days after the purchase date. Purchases that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle (but will count in the following cycle when they post). The first qualification cycle will begin on the date you open or convert to a First Rate Checking account and end on the last day of the calendar month. The qualification cycle will be each calendar month thereafter. If you close your account before the end of the calendar month (statement cycle), you will forfeit any ATM fee refunds. Statement and Dividend cycles are monthly. Fees may reduce earnings.

**APY range calculated with a $125,000 balance.

***Offer valid for checking account holders with direct deposit only. Rates, terms and conditions subject to change. Loan subject to credit approval. Not valid with any other offer. Offer does not include refinances on First Community loans or first mortgage loans. Offer of .25% APR discount valid on one consumer loan per calendar year.

****Mortgages available to Missouri & Illinois residents only. Offer valid for checking account holders with direct deposit only. Rates, terms and conditions subject to change. Loan subject to credit approval. Not valid with any other offer. Offer does not include refinances on First Community loans. One $350.00 discount per mortgage loan per calendar year.

*****If qualifications are not met, all balances earn 0.15% APY.

Cashback Checking:

*If qualifications are met each calendar month, you may earn up to 1% cash back on your debit card purchases each month (up to a maximum reward of $10 per month, $120 per year). Please note that the purchases MUST actually post to the account during the monthly qualification cycle. We post purchases to the account when we receive them from the merchant and that may occur one or more days after the purchase date. Purchases that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle (but will count in the following cycle when they post). The first qualification cycle will begin on the date you open or convert to a Cashback Checking account and end on the last day of the calendar month. The qualification cycle will be each calendar month thereafter.

**Offer valid for checking account holders with direct deposit only. Rates, terms and conditions subject to change. Loan subject to credit approval. Not valid with any other offer. Offer does not include refinances on First Community loans or first mortgage loans. Offer of .25% APR discount valid on one consumer loan per calendar year.

***Mortgages available to Missouri & Illinois residents only. Offer valid for checking account holders with direct deposit only. Rates, terms and conditions subject to change. Loan subject to credit approval. Not valid with any other offer. Offer does not include refinances on First Community loans. One $350.00 discount per mortgage loan per calendar year.