Loans and Deposits
First National
Bank in Exeter
From checking and savings accounts to personal loans, First
National Bank in Exeter’s Personal Banking Solutions are simply
better

Personal Banking Products
Deposit Products

Personal Checking Account—A no nonsense approach checking that has a low
minimum balance requirement, has low fees and has plenty of flexibility. Overdraft protection
and an ATM or Visa Debit Card is also available to qualified checking account holders.

Sixties Club Checking—This “Golden” Account offers many advantages to eligible
members who are 60 years or older. Benefits include, no checking account fees, free
personalized checks, free travelers checks and free copies of medical forms and free notary
service. Sixties Club members may also have NOW Accounts and Money Market Accounts and
receive these same benefits including a competitive rate of interest.

NOW Account—This interest bearing checking account pays a competitive interest rate
each month and requires a low minimum balance to qualify. ATM or Visa Debit Cards are also
available for your convenience.

Super NOW Account—The Super NOW Account is similar to the traditional NOW account
except that it pays a slightly higher rate of interest. In addition the account pays a tiered interest
rate based on the amount that you maintain in your account.

Money Market Account—The First National Bank Money Market Account also pays a
slightly higher rate of interest than the Super NOW account. This account offers up to six
withdrawals per month for added flexibility.

First Rate Premium Money Market Account—The Money Market Account rewards
you for maintaining a higher daily balance with a tiered interest rate.

Personal Savings Account—Saving for a rainy day? First National Bank in Exeter’s
passbook savings account pays you to save for those future goals. We can set up an
automatic transfer from your checking account to help ensure that you reach your savings goal.

Certificate of Deposit—First National Bank in Exeter offers a variety of interest rates and
deposit terms ranging from three to 60 months. We also offer a “Prime Rate” variable rate
certificate that gives you the opportunity to earn a market rate as interest rates change.

Retirement Accounts—First National Bank offers a variety of deductible and non-
deductible retirement accounts. Whether you are an employee or self-employed we have a
retirement account to fit your needs.

Index Powered® CD—The Index Powered® CD is an FDIC insured certificate of deposit
tied to Standard & Poor's 500 Index. The Index Powered® CD was developed with today's
investor in mind and is available at First National Bank in Exeter. With an Index Powered® CD,
you can enjoy the peace of mind of having your principal guaranteed and FDIC insured (up to
$100,000.) while having the potential for higher returns of the stock market. You can find out
more about the Index Powered® CD by calling one of our helpful customer service
representatives or logging on to www.indexpoweredcd.com

Loan Products

Agricultural Loans—First National Bank is located in the heart of America where
agriculture is king. We provide money for agricultural production, machinery and farm real
estate. Our experienced lending staff can tailor a loan package to fit your cash flow and to fill
your needs.

Commercial Loans—Like Agricultural loans, we will tailor a loan package to fit your
needs. W
hether you have an established business or are starting a new one we are here to
help. We use all the tools available to help get your business where you want it to go. We can
also utilize SBA and community development financing to help make your business reach its
full potential.

Personal Loans—First National Bank has flexible lending programs available for all types
of purposes. We can help with your remodeling project, purchasing furniture or any other
personal need. First National Bank is proud of the experienced loan officers that can structure
your loan to fit your budget. We believe community banking is all about helping people make
their dreams become a reality. That’s personal lending at its best from First National Bank.

Mortgage Loans—Buying a home should be one of life’s most rewarding events. At First
National Bank, our lending specialists are committed to making your home purchase or
refinance experience a relaxing one. Step-by-step, we’ll take you through the process, and yo
u
wi
ll discover a better way to finance your home at First National Bank. We also have first time
homebuyer funds available to help potential new homeowners fulfill their dream of owning a
new home.

Car Loans—Whether you are purchasing that car you’ve always dreamed of, or the car that
simply gets you where you need to go, First National Bank will help get you behind the wheel.

Student Loans—First National Bank has partnered with Nebraska Bankers Bank and
Brainscratch.com to offer both Federal Stafford and Federal Plus loans. Students and parents
can pick up a loan form at the bank or can apply online at www.Brainscratch.com. With
Brainscratch.com you can not only apply for loans but you can manage your existing loans as
well. You can apply for automatic payments, order coupon books, look into loan consolidation
and get tips to help you manage and repay your loan. Simply use the Lender Code 833548
when applying to take advantage of this great service.