First National Bank of Milaca - Isle Office

Simple – No bells, no whistles, no worries. A checking account for anyone. Benefits - No minimum balance - Mailed statement -Free Direct Deposit Requirements - $25 minimum opening deposit - $3 printed statement fee

Access your account with ease and security using your worldwide accepted MasterCard® Debit Card Benefits - Money comes directly from your checking account - Access account info and withdraw funds at ATMs* - Use Mobile Wallet with your First National Bank of Milaca MasterCard® Debit card - Zero liability for unauthorized transactions when you notify us about the fraud immediately - Greater security with chip technology - MasterCard® ID Theft Protection ™ - MasterCard® Extended Warranty - MasterCard® Price Protection - MasterCard® Satisfaction Guaranteed Or call 1-800-MASTERCARD (1-800-627-8372) for further details. Restrictions - Subject to $1.75 monthly fee if not used for 4 or more times in statement cycle, ATM transactions are excluded. - For security reasons, daily limits may apply - To protect your information, use outside the United States requires bank notification See Common Fee Schedule for related fees and charges *ATM fees may apply to ATMs not owned by First National Bank of Milaca

The safest investment you can make. Fixed interest rates and insured by the FDIC. Invest your money worry free and watch it grow. Benefits - Fixed interest rates - Contact us for current rates! - Multiple terms offered - 12 months, 18 months, 24 months, 36 months Requirements - $500 minimum balance - Penalties may apply if withdrawn early - Fees and charges may reduce earnings

Smart retirement planning begins early! In today’s world, living the American dream after retirement takes more than modest means. We want to help you plan for those golden years-easily, conveniently, and regularly. Our retirement plans offer ways to help set aside a portion of your earnings for the future. IRA’s are separately FDIC insured. A flexible retirement account that offers valuable tax benefits including tax free growth on your investment! Benefits - Contributions may be withdrawn at any time, tax and penalty free - Earnings are tax-deferred and may even be tax free - You are never required to take money out - Earned Interest - Contact us for current rates! Requirements and Restrictions - You or your spouse must have earned income - Modified adjusted gross income cannot exceed IRS limits - Annual contribution limits apply - Penalties apply on early earnings withdrawals The younger you are when you open your IRA, the greater your savings potential! Traditional IRA Want to put off your tax bill while you save for your retirement? Benefits - You may be able to deduct the entire contribution amount on your income tax return - There are no income limits - Restrictions on withdrawals help you let your retirement funds grow - Because you may be retired, chances are withdrawals will be taxed at a lower income tax level - Earned Interest - Contact us for current rates! - Requirements and Restrictions You or your spouse must have earned income - You cannot make contributions after age 70½ - You must start taking required minimum distributions after age 70½ - Withdrawals may be subject to federal income tax - Penalties apply for withdrawals before age 59½ - some exceptions may apply - Annual contribution limits apply The younger you are when you open your IRA, the greater your savings potential!

We offer a wide variety of loans tailored to meet your needs and budget, and make your dreams come true! We Offer: - Automobile Loans - Snowmobile/ ATV Loans - Boat Loans - Ready Reserve Lines - Secured Debt Consolidation Loans - Short Term Notes - Personal Expense Loans - Credit Cards Consumer Lenders Cindy Biederman Milaca Office Consumer Lender, AVP 320-983-1372 Zeb Dehler Isle Office Consumer Lender 320-676-3154 Pam Kragt Zimmerman Office Consumer Lender NMLS # 1855116 763-260-7176

Fingertip Access. A perfect fit for the person on the move. Fingertip Access. A perfect fit for the person on the move. Benefits - No minimum balance - Easy access to online e-statements - Free Direct Deposit - Free Online/Mobile Banking - Mobile Check Deposit - Account email and text alerts - My Spending – budget management - Export transaction history Requirements - $25 minimum opening deposit - Online Banking enrollment

Access your savings account funds with your MasterCard® ATM card Benefits - Easy access to funds in your account at any one of our ATMS – no withdrawal fees apply - Access account info and withdraw funds at most other ATMs* - Zero liability for unauthorized transactions when you notify us about fraud immediately - Chip technology provides greater security Restrictions - Subject to $1.75 monthly fee - For security reasons, daily limits may apply - $0.50 charge for ATM withdrawals at machines we do not own

During 2013, more than 13 million Americans were victimized by identity theft. It’s an epidemic of fraud, and everyone is vulnerable! First National Bank of Milaca can help you protect yourself! Protect YourselfWe have partnered with Kroll Fraud Solutions, the leading provider of identity theft and fraud investigation services in the world, to bring ID TheftSmart service to our customers. When your sensitive personal information is lost or stolen, it can be a very time-consuming process to repair the damage done. That’s when ID TheftSmart comes in. Kroll Fraud Solutions has forensic accountants, attorneys, regulators and former law enforcement personnel who work on your behalf to protect, restore, and preserve your identity. A Three-Stage Line of Defense #1 - Protection... with immediate and direct access to... Consultation on managing personal information Online safety guidelines Information about your legal rights A personal advocate if identity theft occurs #2 - Detection... if it is discovered that your information may have been compromised, we will…Protection Provide an action plan Provide an action plan Help interpret and analyze credit reports Provide credit freeze consultation Lend personal assistance when/if additional suspicious issues arise 3 - Restoration... if your identity is stolen, Kroll Fraud Solution’s investigators will… Confirm identity fraud and determine its nature and scope Help obtain a police report Provide a credit report and perform a full analysis Work for you until all ID theft issues have been verifiably resolved Protect Yourself Options for Coverage Let our Customer Service Representatives explain the levels of support available. In all cases, you will be getting information and support that will allow you to breathe easy! Protect yourself. Call any office of First National Bank of Milaca. Our customer service personnel will answer your questions and enroll you in this program.

Fingertip Access. A perfect fit for the teen on the move! Benefits - No minimum balance - Easy access to online e-statements - Free Online/Mobile Banking - Mobile Deposit for easy access deposits - Account email and text alerts to help monitor your account - My Spending helps you track your spending habits - Export transaction history to other management software tools - Quick access to online statements with e-statements1 - Free Direct Deposit Requirements - Primary account holder must be between ages 13 and 17 - Joint with parent or legal guardian - $25 minimum opening deposit - Online Banking access – requires parent or legal guardian authorization 1 Subject to $3 printed statement fee if e-statement enrollment cancelled

Convenience of checking. Earning ability of a savings account. Benefits - Earned Interest – Contact Us for current rates! - Easy access to online e-statements1 - Free Direct Deposit - Free Online/Mobile Banking Requirements - $500 minimum daily balance or $1,000 average daily balance for a statement cycle - $5.00 monthly service charge plus 25¢ per debit if account falls below required balance - Online Banking enrollment - Individual or non-profit use Fees and charges may reduce earnings

Flexible savings account that earns you money and gives you convenient access to your money. Benefits - Tiered Interest Rates – Contact Us for current rates! - Easy access online e-statements or mailed statements – your choice! - Free Direct Deposit - Free Online/Mobile Banking Requirements - $2,500 minimum opening deposit - $7 monthly service charge if daily balance falls below $2,500 - Limitations on certain withdrawals and transfers** Fees and charges may reduce earnings

Competitive interest rate and complete access to your money. Benefits - Earned Interest - Contact us for current rates! - Easy access to online e-statements1 - Free Direct Deposit - Free Online/Mobile Banking Requirements - $25 minimum opening deposit - Maintain a $50 average daily balance each month to avoid $1 monthly service charge - Limitations on certain withdrawals and transfers** Fees and charges may reduce earnings 1 Subject to $3 printed statement fee if e-statement enrollment cancelled **Federal Law (Regulation D) limits certain types of withdrawals and transfers from a savings or money market account (MMDA) to a combined total of six (6) per account cycle (calendar month). This includes, but is not limited to, pre-authorized withdrawals such as automatic Ready Transfer used for overdraft protection and transfers made by telephone, online banking, mobile banking, telephone banking, facsimile, or bill pay; debit or ATM card point-of-sale (POS) purchases; and withdrawals made by check or draft to third parties. If limitations are continuously exceeded, the account may be converted to a Checking account. Regulation D allows unlimited transfers or withdrawals from a saving account/MMDA when made in person at any one of our branch offices, by mail, messenger, ATM, or when such withdrawals are made by telephone provided a check is mailed to the account holder. Transfers to repay loans at the bank and to pay safe deposit box rent are also unlimited.

Prepare your teens for future financial independence! Benefits - No minimum balance - Easy access to online e-statements1 - Free Online/Mobile Banking - Mobile Deposit for easy access deposits - Account email and text alerts to help monitor your account - My Spending helps you track your spending habits - Export transaction history to other management software tools - Quick access to online statements with e-statements1 - Free Direct Deposit Requirements - Primary account holder must be between ages 13 and 17 - Joint with parent or legal guardian - $25 minimum opening deposit - Online Banking access – requires parent or legal guardian authorization - Limitations for certain withdrawals & transfers** 1 Subject to $3 printed statement fee if e-statement enrollment cancelled **Federal Law (Regulation D) limits certain types of withdrawals and transfers from a savings or money market account (MMDA) to a combined total of six (6) per account cycle (calendar month). This includes, but is not limited to, pre-authorized withdrawals such as automatic Ready Transfer used for overdraft protection and transfers made by telephone, online banking, mobile banking, telephone banking, facsimile, or bill pay; debit or ATM card point-of-sale (POS) purchases; and withdrawals made by check or draft to third parties. If limitations are continuously exceeded, the account may be converted to a Checking account. Regulation D allows unlimited transfers or withdrawals from a saving account/MMDA when made in person at any one of our branch offices, by mail, messenger, ATM, or when such withdrawals are made by telephone provided a check is mailed to the account holder. Transfers to repay loans at the bank and to pay safe deposit box rent are also unlimited.

The earlier you can start saving money the better. Start now! Benefits - Automatically enrolled in Kids Club - Earned Interest - Contact us for current rates! - No minimum balance - Mailed statements - Free Direct Deposit Requirements - Primary Account holder must be 12 years old or younger - Limitations on certain withdrawals and transfers** Fees and charges may reduce earnings **Federal Law (Regulation D) limits certain types of withdrawals and transfers from a savings or money market account (MMDA) to a combined total of six (6) per account cycle (calendar month). This includes, but is not limited to, pre-authorized withdrawals such as automatic Ready Transfer used for overdraft protection and transfers made by telephone, online banking, mobile banking, telephone banking, facsimile, or bill pay; debit or ATM card point-of-sale (POS) purchases; and withdrawals made by check or draft to third parties. If limitations are continuously exceeded, the account may be converted to a Checking account. Regulation D allows unlimited transfers or withdrawals from a saving account/MMDA when made in person at any one of our branch offices, by mail, messenger, ATM, or when such withdrawals are made by telephone provided a check is mailed to the account holder. Transfers to repay loans at the bank and to pay safe deposit box rent are also unlimited.

A special account to help you save for the Christmas season. How it works Deposit money into your Christmas Savings Account as often as you’d like throughout the year. The first week of November, you will receive a check in the mail that includes your balance plus the interest earned on the account. Time to shop! Benefits - All Savings – no withdrawals - Receive a check for the balance in the first week of November - Earned Interest - Contact us for current rates! - No minimum balance requirements - No monthly service charge - Free Direct Deposit - Quarterly / monthly mailed statements

Tax deferred savings for health expenses. Benefits - Earned Interest - Contact us for current rates! - Contributions are tax deductible - No minimum balance requirement - No monthly service charge - Mailed statements Requirements - Must have high deductible health plan - Must be under 65 or not yet signed up for Medicare - Funds must be used for qualified medical expenses to avoid tax consequences - Contribution limitations apply

A perfect way to save for education from kindergarten through college. Benefits - Earned Interest - Contact us for current rates! - Nondeductible contributions up to $2,000 per year1 - Funds benefit minor’s elementary, secondary and higher education expenses - Tax Free qualified withdrawals - Custodial account - Transferable to other qualified education savings accounts and tuition programs Requirements - Account holder must be under 18 - Must have legal adult custodian - Funds used for education of account holder to avoid taxation Minnesota’s Uniform Transfer to Minors Act (UTMA) Savings A great way to set aside funds for a child’s future use! Benefits - Earned Interest - Contact us for current rates! - No minimum balance - Mailed statements - Funds benefit minor - Custodial account until minor meets age of majority Requirements - Account holder must be under 18 - Must have legal adult custodian - Funds must be used to benefit the minor - Limitations on certain withdrawals and transfers apply** 1 Subject to modified adjusted gross income limits. **Federal Law (Regulation D) limits certain types of withdrawals and transfers from a savings or money market account (MMDA) to a combined total of six (6) per account cycle (calendar month). This includes, but is not limited to, pre-authorized withdrawals such as automatic Ready Transfer used for overdraft protection and transfers made by telephone, online banking, mobile banking, telephone banking, facsimile, or bill pay; debit or ATM card point-of-sale (POS) purchases; and withdrawals made by check or draft to third parties. If limitations are continuously exceeded, the account may be converted to a Checking account. Regulation D allows unlimited transfers or withdrawals from a saving account/MMDA when made in person at any one of our branch offices, by mail, messenger, ATM, or when such withdrawals are made by telephone provided a check is mailed to the account holder. Transfers to repay loans at the bank and to pay safe deposit box rent are also unlimited.

Benefits: - Convenience and flexibility of using a card for health-related purchases - Speedy authorization makes over the counter purchases easier than ever - Freedom for you to identify and validate healthcare-related purchases at the point of sale

Benefits - Accepted at thousands of locations worldwide - Access your information and make payments online or by phone - Call us directly for card issues you cannot get resolved - Travel Accident Insurance To apply, contact a lender today.

Online banking on the go! Manage your accounts from the palm of your hand. - Deposit Checks with Mobile Check Deposit - Make Person to Person Transfers using Pay Someone - Check Account Balances - Transfer Money - Receive Account Activity Email & Text Alerts - Pay Bills, Make Donations, Send Gift Money using Bill Pay Plus - View Recent Transactions - Manage Your Spending Habits with My Spending - Make Loan Payments - View Check Images - Send Us Secure Messages - Sync Outside Account Balances

A feature within our mobile banking app that allows you to remotely deposit checks to your savings or checking account by capturing an image of your check with your phone or electronic device. Get Started: - Log into your Mobile Banking session - Click on More - Choose Check Deposits - First time, Read & Accept Agreement - Select Deposit a Check - Follow the instructions provided IMPORTANT - Endorsing Your Check: - Sign your check - Write “For Mobile Deposit Only” on the back - Include the last 3 digits of the account you want the money to be deposited into on the back

Whether you are a first time home buyer or an experienced house hunter, our mortgage experts are ready to help you! We Offer: - Long Term Fixed Financing - First Time Home Buyer - Purchase Primary Home - Second Home/Cabin Loans - Refinancing - Bare Land - Rental Home Financing - FHA, VA, USDA Loans Contact one of our mortgage lenders today to get started with your application! Jill Brenny Milaca Office Mortgage Lender, Asst. Cashier NMLS # 1290776 320-983-1342 Megan Westling Isle Office Mortgage Lender, Asst. Cashier NMLS # 1622645 320-676-3154

PaperLESS. Faster Access. Better Security. Take a minute to switch to e-statements to get direct access to your online account statements for free. You can specify e-statements for all of your accounts or select individual accounts. Get started: Log into your online banking session and select an account On the right, select “Statements” On the right, select “Electronic Statement Delivery Only” Read and accept disclosure Verify your email and submit for all accounts or this account You may opt out of eStatements at any time (statement fees may apply).

Automatically get your pay check or other funds deposited into your checking or savings account. The funds are added to your account without any action required on your part whether you are out of town or too busy to make it to the bank your account will be credited. Information you will need from us: The Bank’s Routing Number –091903310 Your Account Number Type of account receiving funds (checking or savings). Start by asking your employer or organization that is paying you if they offer Direct Deposit. WARNING: Your bank routing and account numbers are sensitive information. Don’t provide those numbers to anybody unless you trust them.

Conveniently manage your accounts over the phone 24 hours a day using interactive voice response or touch button. Check Account Balances, Transfer Money, Make Loan Payments, Review Recent Transactions, Report Lost or Stolen Card, Access Your Credit Card Information, 1-877-983-1301 To Activate Have your account number and personal information handy, Call 1-877-983-1301, Request “account” and follow prompts, If you are not an online banking user, a security check is required and may take 24-48 hours for telephone banking access, Once you’re approved, call again and set up your PIN, If you are an online banking user, you will have same-day access, You can set up your PIN right away

An exclusive 55+ club with opportunities to travel with friends, enjoy events and take advantage of discounts. Stop in at our Milaca or Isle office to get an application to join today! Requirements 55+ Years of Age, Customer of First National Bank of Milaca, $12 annual membership due

An exclusive club for your child to learn about saving, interact with other kids and enjoy special discounts. Why Join? Get a Start on Saving, No Membership Fees, Attend Free Activities, Movies, Crafts, Parties, etc., Event Discounts, Birthday Treats, How to Join Child Must Be Age 12 or Under, Open a Kids Savings Account

First National Bank of Milaca provides ACH (Automated Clearing House) services to help streamline your cash management processes. ACH allows you to: Deliver electronic payroll, Transfer funds, Collect payments, dues, fees and donations.

Remote Deposit Scan Checks & Deposit from your Office Use your office computer to scan checks your business receives and electronically send those check images to the bank for deposit.

A great fit for businesses of all shapes and sizes. Use this account as a tool in operating your business finances. Benefits - No minimum balance - Mailed statement - Free Direct Deposit Requirements - $50 minimum opening deposit

Exciting new upgrades have taken place! We have replaced the old First National Bank of Milaca Visa® Debit Card with a new First National Bank of Milaca Debit MasterCard®. Your new card is equipped with chip technology which provides greater security along with worldwide acceptance. What changed? What stayed the same? In an effort to make your life easier, we upgraded our system to include a more “near time” process for handling your card transactions. You can use your new debit card at both magnetic stripe terminals and chip-enabled terminals. Both your card number and Personal Identification Number (PIN) will be changing. If you use your Debit card for recurring bills, you will need to contact all companies with the new card information. Enjoy even more benefits when you use your card! Consumer Debit Card Enjoy MasterCard’s Shopping Protection When you shop with your new Debit MasterCard® you will enjoy great benefits, including: Zero Liability – shop with confidence in stores, on the phone, and on the internet knowing that you are protected against unauthorized purchases with zero liability. MasterCard ID Theft Protection™ – MasterCard is the only payment brand that provides its U.S. cardholders with services - at no extra cost - to help you detect and resolve identity theft. Extended Warranty – doubles the time period and duplicates the coverage of the original manufacturer (or U.S. store brand) warranty for eligible purchases for a maximum of one year, up to $10,000. Price Protection – if you buy a covered or qualified item with your debit card and then see it advertised for less within 60 days, this benefit can refund the difference. Satisfaction Guarantee – this benefit provides up to $250 per product if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return. CLICK HERE for the MasterCard® Guide to Benefits or call 1-800-MASTERCARD (1-800-627-8372) for further details. Business Debit Card Enjoy MasterCard’s Shopping and Travel Protection When you shop with your new Debit MasterCard® you will enjoy great benefits, including: Zero Liability – shop with confidence in stores, on the phone, and on the internet knowing that you are protected against unauthorized purchases with zero liability. MasterRental® Insurance – Provides primary coverage (up to $50,000) for eligible rental vehicles and secondary personal effects coverage for up to 31 consecutive days. Purchase Assurance® – Provides coverage against theft or damage to most new items purchased with your eligible MasterCard up to 90 days from the date of purchase. Extended Warranty – Doubles the time period and duplicates the coverage of the original manufacture (or U.S. store brand) warranty for eligible purchases for a maximum of one year, up to $10,000. MasterAssist® Travel Assistance Services – Provides cardholders with travel-related assistance services when traveling 100 miles or more from home. MasterCard ID Theft Protection™ - MasterCard is the only payment brand that provides its U.S. cardholders with services - at no extra cost - to help you detect and resolve identity theft. CLICK HERE for the MasterCard® Guide to Benefits or call 1-800-MASTERCARD (1-800-627-8372) for further details. Health Savings Accounts When using your new HSA MasterCard you’ll enjoy great consumer benefits, including: Speedy authorization that makes over-the-counter purchases easier than ever. Freedom for you to identify and validate healthcare-related purchases at the point of sale. The convenience and flexibility of using a card for health-related purchases. ATM Cards Use any First National Bank of Milaca ATM at NO CHARGE at the following locations: The First National Bank Building, Milaca The Lakeside Office Building, Isle The First National Bank Building, Gilman Broberg’s Country Store, Hwy 169, Milaca D & L Express, Hwy 23, Foreston Chip Cards: Advanced Security and Simple to Use How to use the chip at a checkout point-of-sales terminal: EMV Chip Step 1: With the front facing up as shown, insert your card into the ATM or in-store terminal. Do not remove your card until the transaction is complete, or your transaction will be cancelled. Step 2: Follow the on-screen instructions. Step 3: You may be required to enter your PIN or sign the sales receipt to complete your purchase. Step 4: When the transaction is complete, always remember to remove your card. Automatic Payments Reminder If you have automatic payments tied to your existing debit card, you will need to contact those companies to update your new debit card information. Chip Cards: Frequently Asked Questions* What is a Chip Card or EMV? A Chip or EMV card is a card with chip-based technology that features an embedded microchip to provide enhanced security and protection against fraud.

We have a full service commercial lending department with experienced and knowledgeable lenders to help navigate you and your business through all stages. We Offer: - Operating Lines of Credit - Equipment Loans - Commercial Mortgages - Letters of Credit - Guaranteed and Subsidized Loans - SBA Loans - Business Credit Cards Contact one of our commercial lenders today to get started with your application! Terry Bergstrom Milaca Office Commercial Lender, EVP NMLS # 799921 320-983-1346 Brett Freese Milaca Office Commercial Lender, AVP NMLS # 799936 320-983-1353

Online Banking At First National Bank of Milaca, we understand that time is a valuable asset. That's why we've made it possible for you to bank at your own convenience. 24 hours a day, 7 days a week, from anywhere with an Internet connection! Features: Check Account Balances. Set Up Notify Me Options. Transfer Funds. Schedule Recurring or Manual Payments. Bill Payment. Reconcile your Account. Electronic Statements. View Check Images. Safe and Secure. With 128 bit encryption and all feasible physical security in place, you can rest assured that your online banking experience will be not only extremely convenient, but also extremely safe. So why not do yourself a favor and bank on your own terms? Sign up today! Still not sure it's for you? View our online demo. Mobile App Mobile Banking With life so fast paced, you will be glad that you can manage your banking needs right in the palm of your hand with our Mobile Banking option. It is the perfect companion to our online banking option for people like you on the go. First National offers not just one mobile solution – but three! So whether you have the newest smartphone or a basic cell phone with text, First National Bank has the right mobile solution for you. Mobile Banking Service Options: Mobile App Banking - Search your smart phone's Application Store for our Mobile Banking App to access your account information. Mobile Browser Banking – Use your mobile web browser to access your account information at www.fnbmilaca.mobi. Text Banking – Use your text messaging service to access your account information. Mobile Banking Features: Check Account Balances. Transfer Funds. View Recent Transactions. Perform Transaction Searches. Locate Branch Offices. Locate First National ATMs. Official Download Locations Apple Store Google Play Store Click Here For Our Mobile Banking Demo Mobile Banking Demo Important Online Security Information: The First National Bank of Milaca wants to ensure the online protection of your personal and account information. Please note: 1) First National Bank of Milaca will not ask you to submit personal or account information via email. 2) For your protection, any email sent from First National Bank of Milaca including customer service emails or email alerts will require that you successfully login to our secure website at www.fnbmilaca.com before entering any personal information. 3) If you ever receive an email appearing to be from First National Bank of Milaca that asks for personal information such as your account number or social security number, do not respond to the email. Please notify us immediately at 320-983-3101. In responding to E-Mail and Internet-Related Fraudulent Schemes; The number one rule….don’t respond! Call or contact First National Bank of Milaca and let us know of the unusual email. Compatibility Click here to review our compatibility requirements. Telephone Banking 320-983-1334 (within Milaca calling area) 1-877-983-1301 (toll-free outside Milaca calling area) Customers may use telephone banking 24 hours per day to transfer funds between accounts, make loan payments, check account balances, and to check for recent deposits or debits. A customer must have a PIN (personal identification code), social security number or tax ID number, and account number in order to use telephone banking.

Flexible savings account that earns you money and gives you convenient access to your money. Benefits - Tiered Interest Rates – Contact Us for current rates! - Easy access monthly e-statements or mailed statements – your choice! - Free Direct Deposit - Free Online/Mobile Banking Requirements - $2,500 minimum daily balance - $7 monthly service charge if account falls below daily balance - Limitations on certain withdrawals and transfers** Fees and charges may reduce earnings *Federal Law (Regulation D) requires that during any calendar month you may not make more than six (6) withdrawals or transfers from your savings account/Money market deposit account (MMDA) to someone else or to another account of yours by means of a preauthorized or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings/MMDA using your banking online account, transfers from savings/MMDA to checking under the Ready Transfer program, transfers by debit card, check, or draft to someone else using any automated system, automatic transfers to another account (other than your loan account with the bank) or someone else, or telephone transfers from savings/MMDA to any other account (including transfers made using Telephone Banking). Regulation D allows unlimited transfers or withdrawals from a saving account/MMDA when made by mail, messenger, ATM, or in person, or when such withdrawals are made by telephone provided a check is mailed to the account holder. Transfers to repay loans at the bank and to pay safe deposit box rent are also unlimited.

Competitive interest rate and complete access to your money. Benefits - Earned Interest - Contact us for current rates! - Easy access to online e-statements1 - Direct Deposit - Online/Mobile Banking Requirements - $25 minimum opening deposit - Maintain a $50 average daily balance each month to avoid $1 monthly service charge - Limitations on certain withdrawals and transfers** Fees may reduce earnings 1 Subject to $3 printed statement fee if e-statement enrollment cancelled **Federal Law (Regulation D) limits certain types of withdrawals and transfers from a savings or money market account (MMDA) to a combined total of six (6) per account cycle (calendar month). This includes, but is not limited to, pre-authorized withdrawals such as automatic Ready Transfer used for overdraft protection and transfers made by telephone, online banking, mobile banking, telephone banking, facsimile, or bill pay; debit or ATM card point-of-sale (POS) purchases; and withdrawals made by check or draft to third parties. If limitations are continuously exceeded, the account may be converted to a Checking account. Regulation D allows unlimited transfers or withdrawals from a saving account/MMDA when made in person at any one of our branch offices, by mail, messenger, ATM, or when such withdrawals are made by telephone provided a check is mailed to the account holder. Transfers to repay loans at the bank and to pay safe deposit box rent are also unlimited.

The safest investment you can make. Fixed interest rates and insured by the FDIC. Invest your money worry free and watch it grow. Benefits - Fixed interest rates - Contact us for current rates! - Multiple terms offered - 12 months, 18 months, 24 months, 36 months Requirements - $500 minimum balance - Penalties may apply if withdrawn early

High Deductible Health Plan (HDHP) with Health Savings Accounts (HSA) for Employees Employer Benefits - No payroll taxes paid on contributions deducted via payroll - Federal income tax deductions for any contributions you make into the employee’s HSA accounts - Employee HSA accounts can be easily moved from one HDHP to another - HDHP premiums are historically lower than other plans - An employer sponsored HSA goes a long way to help attract and retain employees Employee Benefits - Interest Earned! - Payroll deductions into a HSA are considered pre-tax - Earnings on contributions are accumulated tax-free - Withdraw money tax-free to pay for qualified medical expenses - You have control over your HSA and you decide how you want to use it - Debit card access to your HSA account makes it quick and easy to pay medical expenses We will walk you and your employees through the process of setting up the Health Savings Accounts and help you along the way. Ask us about setting up Employer sponsored HSAs today!

Our experienced agricultural lenders understand the nature of this unpredictable industry and will work hand in hand to help you meet your financial needs. We Offer: - Operating Lines of Credit - Machinery & Equipment Loans - Livestock & Crop Loans - Agricultural Mortgages - Farm Improvement Loans - Guaranteed and Subsidized Loans Contact one of our ag lenders today to develop a financing plan for your business! Jim Neely Milaca Office Ag Lender, VP NMLS # 799953 320-983-1354 Dustin Krotzer Gilman Office Ag Lender, Asst. Cashier NMLS # 1116815 320-387-3081

Online banking on the go! Manage your accounts from the palm of your hand. - Deposit Checks with Mobile Check Deposit - Make Person to Person Transfers using Pay Someone - Check Account Balances - Transfer Money - Receive Account Activity Email & Text Alerts - Pay Bills, Make Donations, Send Gift Money using Bill Pay Plus - View Recent Transactions - Manage Your Spending Habits with My Spending - Make Loan Payments - View Check Images - Send Us Secure Messages - Sync Outside Account Balances

A feature within our mobile banking app that allows you to remotely deposit checks to your savings or checking account by capturing an image of your check with your phone or electronic device. Get Started: - Log into your Mobile Banking session - Click on More - Choose Check Deposits - First time, Read & Accept Agreement - Select Deposit a Check - Follow the instructions provided IMPORTANT - Endorsing Your Check: - Sign your check - Write “For Mobile Deposit Only” on the back - Include the last 3 digits of the account you want the money to be deposited into on the back

First National Bank of Milaca provides ACH (Automated Clearing House) services to help streamline your cash management processes. ACH allows you to: - Deliver electronic payroll - Transfer funds - Collect payments, dues, fees and donations

Simple, Secure & Speedy Checkouts Carry your First National Bank of Milaca debit card in a secure digital form on your mobile device (smartphone, tablet, smartwatch). Use it to make in store or online purchases with a touch of a finger. Get started by using Apple Pay, Samsung Pay, or Google Pay.

"We seek to satisfy the needs of our customers, community, and employees by providing the best source of financial service products in our market, while maintaining financial strength, adequate earnings, leadership, and integrity." History First National Bank of Milaca is a $200-million-asset community bank serving the areas of Milaca, Isle and Gilman. Around us are some of the fastest growing counties in Minnesota. Milaca is located in Mille Lacs County, 60 miles north of the Twin Cities of Minneapolis and St. Paul. Gilman is located in Benton County, about 15 miles west of Milaca. Isle is located on the south shores of Lake Mille Lacs, a well-known walleye fishing destination in central Minnesota. First National Bank of Milaca has been serving customers since 1897. In today's widespread environment of bank mergers and less personalized banking, First National Bank of Milaca provides personalized service in a friendly, confidential atmosphere. With over 40 professional staff; First National Bank of Milaca strives to provide excellent one-on-one service for the customer desiring personal banking and financial services.

"Serving your financial needs is our business." Welcome to the First National Bank of Milaca’s web site. We hope that you find our site informative and easy to navigate. The internet is an increasingly important tool in our daily lives which includes the ability to access banking services. As a result, we are committed to developing and improving this capability and providing it to you. The First National Bank of Milaca has grown considerably since it was founded in 1897. We are now providing financial services to many generations of families to help fulfill their financial goals and dreams. We are proud of our accomplishments and the things that make us unique, including our emphasis on customer service, technology and community involvement. Inspired by our history and motivated by the vision of being the best source of financial service in our market, we look forward to a strong future. I want to thank you for visiting our web site and thank you for your business. If you are not a customer of First National, I would like to personally invite you to join us and see how we can help you with your financial goals and dreams. Sincerely, Joe Tapp President

Milaca Community Bulletin City of Milaca & Milaca Chamber of Commerce Milaca Chamber of Commerce Central Mille Lacs United Way Milaca Community Library Mille Lacs County Mille Lacs County Times District 912 Milaca Public Schools Mille Lacs County Tourism Scholastic.com Money in Motion: What Teens Should Know About Managing Finances The Imagination Library Isle Community Bulletin City of Isle Mille Lacs Tourism Isle Independent School District # 473 Weather Scholastic.com Money in Motion: What Teens Should Know About Managing Finances Gilman Community Bulletin Foley Public Schools Weather Benton County Resources St. Cloud Times Scholastic.com Money in Motion: What Teens Should Know About Managing Finances

Please immediately report your lost or stolen cards by calling the applicable number. MASTERCARD DEBIT, HSA, & ATM CARDS (Issued October 2015) Call either the 24 hour phone number at 1-800-528-2273 or call your local office during normal banking hours. VISA CREDIT CARD Call either the the 24 hour phone number at 1-800-423-7503 or call your local office during normal banking hours.

Please note that all financial calculators require a Java enabled browser. For best results use the most recent version of your Internet browser. Windows users may need to install Java - which can be downloaded for free from java.com. Loan Calculators Auto Loans Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price! Buy vs. Lease Should you lease your next automobile or finance it? Find out with this calculator! Simple Loan Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment! Payment Options This calculator helps determine your loan or line payment. Loan Comparison Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options. Mortgage Calculators Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule. Mortgage Qualifier Can you buy your dream home? Find out just how much you can afford! Refinance Breakeven Should you refinance your mortgage? Use this calculator to determine when you will breakeven! Rent vs. Buy Are you better off buying your home, or should you continue to rent? Personal Debt Calculators Accelerated Debt Payoff Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff. How much do you owe? Use this calculator as a starting point for your debt management plan. Personal Debt Consolidation Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Savings & Retirement Calculators College Savings Use this calculator to help develop or fine tune your education savings plan. Savings Calculator Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth. Retirement Planner Quickly determine if you retirement plan is on track - and learn how to keep it there.

Secure Websites Aren't So Secure & Website Passwords May Be Compromised There is a “new” vulnerability that impacts an estimated 2/3 of ALL WEBSITES. Our Internet Banking service provider has informed us they do not utilize the vulnerable technology and there has been no indication that a breach or data leak has occurred. However, you may be impacted in other areas of your life. Please continue reading. What it is: It was dubbed “Heartbleed” after the vulnerable “heartbeat” feature w/in certain versions of OpenSSL (a free encryption standard used by most websites). “Discovered” only days ago, it has security vendors and website operators in a panic. This vulnerability rips a hole in the fabric of security everyone thought the web was wrapped in. And although it is considered “new,” it has actually existed for the last 2 years but only now reported to have been discovered. Modus Operandi: When you connect to a system using SSL, it encrypts the communication between the systems. During the course of the connection, one system might want to check and make sure the other system is still at the other end of the secure connection. That is the heartbeat feature (and flaw). Because of an error with the way OpenSSL handles the heartbeat check, anyone in the know can create a maliciously modified “heartbeat packet” and send to a webserver. The webserver will then be tricked into sending back snipits of data stored in its active memory. A serious data leak b/c what is stored in active RAM? Hmm…. website usernames and passwords, encryption/decryption keys, credit card and other NPI/PCI related info, … you get the idea. Impact: This vulnerability grants attackers access to siphon highly sensitive data from 2/3 of webservers on the Internet!!! It leaves no trace of the attack or any digital footprint. At all. The data the attackers would target include usernames/passwords stored on web servers, and even more frightening - SSL decryption keys themselves. Decryption key in hand, an attacker can intercept secure communications AND DECRYPT THAT COMMUNICATION CHANNEL. Resolution: There is a patch for website operators to apply. There’s nothing YOU can do but change your passwords to critical sites (banking/email/etc). Of course if you change your password before the website is fixed, then you’ll need to change it again. How can you tell if a website you login to is still vulnerable? There are tools to check. Put in the website and it will give you an idea if it’s vulnerable or not. It is being said that everyone should just assume their usernames and passwords for most sites has been stolen. https://lastpass.com/heartbleed https://www.ssllabs.com/ssltest/ WARNING FOR BUSINESS OWNERS: If your business has a webserver or a hosted website that stores sensitive/confidential data, or if your company uses a VPN to connect to your business network, you may want to contact your trusted I.T. systems administrator to discuss potential risks and how to mitigate them. More info is available through these technology websites: Krebs On Security ThreatPost Storify TripWire Sophos

Banking Q: Are my deposit accounts FDIC insured? A: Yes. The basic insured amount of a depositor is $250,000. Deposits maintained in different categories of legal ownership are separately insured. Q: How do I set up Direct Deposit of my payroll check? A: After your account application has been approved, you will receive our routing and transit number and your account number. Your employer usually provides a form and this information is required. If you have questions simply stop in to or call any office of First National Bank of Milaca and we'll help you personally. Q: How can I prevent an overdraft on my account? A: We offer two products that can assist you with this goal. Ready Transfer is a service that will transfer funds from one account to another to prevent an overdraft. We also offer Ready Reserve, which is a loan based service that automatically transfers funds from a pre-approved loan. If you are interested in more information or would like an application for these services please stop in or contact us. There are nominal fees for these services that may be more affordable than our regular overdraft charges. Not all accounts are eligible. Q: How do I set up Direct Deposit of my Social Security check? A: After your account application has been approved, you will receive our routing and transit number and your account number. Simply stop in to any office of First National Bank of Milaca and we'll help you personally. Q: Can I get information about my account by phone? A: Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices or ask about our Telephone Banking System for automated account information 24 hours a day. Q: Is interest paid on my checking account? A: Yes! If you want a checking account that pays a market rate of interest, check out our NOW Checking account. Q: Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet? A: At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you. Q: Can I do all of my banking with you? A: Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs. Q: Can I look at all of my transactions at any time? A: Yes! With Online Banking and Mobile Banking, you have access to your account information 24 hours a day, 7 days a week! Q: How frequently is my information updated? A: Your account information is updated every business day with new transactions that posted to your account that day. However, electronic transactions may be handled differently. Refer to the EFT disclosure for more information. Q: Are wire transfers possible to and from my checking account? A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details. Q: How do I make a deposit to my account from a remote location? A: You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you. Q: When do I have access to use Internet Banking? A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week! Back to the top Internet Banking And Mobile Banking Q: What is Internet Banking and Mobile Banking? A: Internet Banking is a tool that allows you to use a personal electronic device with an Internet connection to conduct your banking online. Mobile Banking allows you to download an app to conduct your banking online with an internet connection. Q: What can I do with Internet Banking? A: You can view account balances, transaction history, view checks, transfer money between FNB accounts, pay bills, and download transactions to a personal financial manager and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience. Q: What can I do with Mobile Banking? A: You can check account balances and transactions, transfer money between FNB accounts, pay bills and search for ATM locations and offices. Q: Is any of my personal information stored in the Internet Banking product? A: Yes, the Internet Banking product stores your User ID, password and user preferences. Q: How current is my banking information? A: Your account information is updated every business day with new transactions that were posted to your account the previous business day.

Online Security Never click on suspicious links in emails, tweets, posts, nor online advertising . Links can take you to a different website than their labels indicate. Typing an address in your browser instead of clicking a link in an email is a safer alternative. Only give sensitive information to websites using encryption so your information is protected as it travels across the Internet. Verify the web address begins with “https://” (the “s” is for secure) rather than just “http://”. Some browsers also display a closed padlock. Do not trust sites with certificate warnings or errors. These messages could be caused by your connection being intercepted or the web server misrepresenting its identity. Avoid using public computers or public wireless access points for online banking and other activities involving sensitive information when possible. Always “sign out” or “log off” of password protected websites when finished to prevent unauthorized access. Simply closing the browser window may not actually end your session. Be cautious of unsolicited phone calls, emails, or texts directing you to a website or requesting information. General PC Security Maintain active and up-to-date antivirus protection provided by a reputable vendor. Schedule regular scans of your computer in addition to real-time scanning. Update your software frequently to ensure you have the latest security patches . This includes your computer's operating system and other installed software (e.g. Web Browsers, Adobe Flash Player, Adobe Reader, Java, Microsoft Office, etc.). Automate software updates, when the software supports it, to ensure it's not overlooked. If you suspect your computer is infected with malware, discontinue using it for banking, shopping, or other activities involving sensitive information. Use security software and/or professional help to find and remove malware. Use firewalls on your local network to add another layer of protection for all the devices that connect through the firewall (e.g. PCs, smart phones, and tablets). Require a password to gain access. Log off or lock your computer when not in use. Use a cable lock to physically secure laptops , when the device is stored in an untrusted location. Passwords Create a unique password for all the different systems you use. If you don't then one breach leaves all your accounts vulnerable. Never share your password over the phone, in texts, by email, or in person. If you are asked for your password it's probably a scam. Use unpredictable passwords with a combination of lowercase letters, capital letters, numbers, and special characters. The longer the password, the tougher it is to crack. Use a password with at least 8 characters. Every additional character exponentially strengthens a password. Avoid using obvious passwords such as: your name your business name family member names your user name birthdates dictionary words Choose a password you can remember without writing it down. If you do choose to write it down, store it in a secure location. Additional Resources To learn more about information security visit any of the following websites: Department of Homeland Security OnGuardOnline.gov StaySafeOnline.org BBB.org/Data-Security US-CERT.gov

Social Engineering In a social engineering attack, an attacker uses human interaction to manipulate a person into providing them information. People have a natural tendency to trust. Social engineering attacks attempt to exploit this tendency in order to steal your information. Once the information has been stolen it can be used to commit fraud or identity theft. Criminals use a variety of social engineering attacks to attempt to steal information, including: Website Spoofing Phishing The following sections explain the meaning of these common attacks and provide tips you can use to avoid being a victim. Website Spoofing Website spoofing is the act of creating a fake website to mislead individuals into sharing sensitive information. Spoof websites are typically made to look exactly like a legitimate website published by a trusted organization. Prevention Tips: Pay attention to the web address (URL) of websites. A website may look legitimate, but the URL may have a variation in spelling or use a different domain. If you are suspicious of a website, close it and contact the company directly. Do not click links on social networking sites, pop-up windows, or non-trusted websites. Links can take you to a different website than their labels indicate. Typing an address in your browser is a safer alternative. Only give sensitive information to websites using a secure connection. Verify the web address begins with “https://” (the “s” is for secure) rather than just “http://”. Avoid using websites when your browser displays certificate errors or warnings. Phishing Phishing is when an attacker attempts to acquire information by masquerading as a trustworthy entity in an electronic communication. Phishing messages often direct the recipient to a spoof website. Phishing attacks are typically carried out through email, instant messaging, telephone calls, and text messages (SMS). Prevention Tips: Delete email and text messages that ask you to confirm or provide sensitive information. Legitimate companies don't ask for sensitive information through email or text messages. Beware of visiting website addresses sent to you in an unsolicited message. Even if you feel the message is legitimate, type web addresses into your browser or use bookmarks instead of clicking links contained in messages. Try to independently verify any details given in the message directly with the company. Utilize anti-phishing features available in your email client and/or web browser. Utilize an email SPAM filtering solution to help prevent phishing emails from being delivered. Report Fraudulent or Suspicious Activity Contact us immediately if you suspect you have fallen victim to a social engineering attack and have disclosed information concerning your First National Bank of Milaca accounts. Call us at 320-983-3101 or visit your local First National Bank of Milaca branch location. Regularly monitoring your account activity is a good way to detect fraudulent activity. If you notice unauthorized transactions under your account, notify First National Bank of Milaca immediately. Additional Resources To learn more about information security visit any of the following websites: OnGuardOnline.gov StaySafeOnline.org BBB.org/Data-Security US-CERT.gov