1. Offer valid from November 3, 2025, to November 8, 2025. The Annual Percentage Yield (APY) of 3.70% for the 7 – month CD is accurate as of November 3, 2025. To earn the stated APY a new or existing Basic or Relationship Checking Account is required. The minimum deposit to open and earn interest for the 7- month CD once all criteria are met is $5,000.00 of new-to-First Bank funds. Withdrawal of interest may reduce APY. Fees may reduce earnings. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew at the corresponding CD product at the current rate in effect at that time.

2. To qualify for the $500.00 cash bonus, you must open a new Basic or First Bank Relationship Checking Account, make the required initial deposit of new-to-First Bank funds, and set up and receive one qualifying direct deposit of at least $750.00 within 60 days of account opening. Relationship Checking is a personal account with a minimum balance requirement of $1,000.00 to open the account. There is a service fee of $15.00 per month if the daily balance falls below $1,000.00. Funds transferred or withdrawn from an existing First Bank account and redeposited in the new checking account are not considered new-to-bank funds. A qualifying direct deposit for this offer is defined as a recurring direct deposit of a paycheck, pension, Social Security, or other regular monthly income which is electronically deposited by an employer or an outside agency. Your account must remain in good standing for 90 days after opening, at which time you will receive your $500.00 cash bonus deposited into your new checking account, paid by the last day of the month after the 90-day period. Account in good standing for this offer means that the account had a positive balance at all times during that period. Limit of one $500.00 cash bonus offer per Tax ID number. The value of the bonus is considered taxable income and will be reported on the appropriate IRS form. Please consult your tax advisor regarding your specific situation.

3. First Bank will waive the mortgage or refinance application fee (a value of $995.00) at the time of application. Offer valid through December 31, 2025, and is subject to change without notice. This is not a commitment to lend. All loans are subject to credit approval, underwriting requirements, and other terms and conditions.

4. Open a new Business First Checking account with qualifying new-to-First Bank funds and earn up to $1,500. This promotional offer is valid from June 1, 2025, through December 31, 2025, and may be modified or withdrawn at any time at the discretion of First Bank. Funds used to qualify must be new to First Bank. Transfers from or funds previously held in any existing First Bank account do not qualify. Limit one (1) cash bonus per Taxpayer Identification Number (TIN), regardless of the number of accounts opened. Business owners with multiple businesses are eligible for one (1) business-related cash bonus only. Offer is not available to employees of First Bank or its affiliates. Offer is not available to customers who have had a business checking account with First Bank within 90 days prior to opening a new Business First Checking account. Cash Bonus Tiers and Requirements: $500 Bonus: Deposit between $25,000.00 and $50,000.00 and maintain an average month-to-date balance of at least $25,000.00 for 90 days from account opening (through the third statement cycle). $1,000 Bonus: Deposit between $50,000.01 and $100,000.00 and maintain an average month-to-date balance of at least $50,000.01 for 90 days from account opening (through the third statement cycle). $1,500 Bonus: Deposit $100,000.01 or more and maintain an average month-to-date balance of at least $100,000.01 for 90 days from account opening (through the third statement cycle). The cash bonus will be credited to the account within 120 days of account opening (during the fourth statement cycle), provided all eligibility criteria are met. The bonus is reportable for tax purposes and may be considered taxable income. Consult your tax advisor regarding the potential tax implications for the bonus received. If the account is closed within six (6) months of opening, the bonus amount will be deducted from the account balance at the time of closure.

5. Offer is valid through December 31, 2025. To qualify for complimentary Treasury Management Bundle services through December 31, 2025, customers must open a new Business First Checking account during the promotional period and maintain the account in active status from the date of opening through December 31, 2025. If the Business First Checking account is closed prior to December 31, 2025, standard monthly fees for the applicable Treasury Management Bundle will be assessed for each month the services were provided during the promotional period. These fees will be deducted from the account balance at the time of closure. The total amount charged will correspond to the number of months the Treasury Management Bundle was provided at no charge under this promotion. Monthly fees are as follows: TM Launch: $45.00, TM Elevate: $85.00, TM Pinnacle: $125.00.

6. Free consultation with our Commercial Corporate Card partner, Elan, is offered as an informational service only. Participation in a consultation does not guarantee approval for a Commercial Corporate Card. All applications are subject to credit review and approval by Elan. Terms, conditions, and eligibility requirements apply.

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