First National Bank Winter Heating Loan ProgramFirst NationalBankPrepay Your LP GasLock in Your PricePrepay Your FuelPurchase Firewood3.90%Limited time offerLoans available to customers in FNB service areanew relationships welcomeQualified CreditLimit of $2,500.00 per family or $5,000 per businessLoan repaid in 12 monthly installmentsAPRwww.fnbnorth.com218-547-1160Member FDIC"Annual percentage rate, example $2500 at 3.90% - 12 monthly payments of $212.79 per month First National Bank Winter Heating Loan Program First National Bank Prepay Your LP Gas Lock in Your Price Prepay Your Fuel Purchase Firewood 3.90% Limited time offer Loans available to customers in FNB service area new relationships welcome Qualified Credit Limit of $2,500.00 per family or $5,000 per business Loan repaid in 12 monthly installments APR www.fnbnorth.com 218-547-1160 Member FDIC "Annual percentage rate, example $2500 at 3.90% - 12 monthly payments of $212.79 per month

Date: September 9, 2019

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First National Bank

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First National Bank Winter Heating Loan Program First National Bank Prepay Your LP Gas Lock in Your Price Prepay Your Fuel Purchase Firewood 3.90% Limited time offer Loans available to customers in FNB service area new relationships welcome Qualified Credit Limit of $2,500.00 per family or $5,000 per business Loan repaid in 12 monthly installments APR www.fnbnorth.com 218-547-1160 Member FDIC "Annual percentage rate, example $2500 at 3.90% - 12 monthly payments of $212.79 per month First National Bank Winter Heating Loan Program First National Bank Prepay Your LP Gas Lock in Your Price Prepay Your Fuel Purchase Firewood 3.90% Limited time offer Loans available to customers in FNB service area new relationships welcome Qualified Credit Limit of $2,500.00 per family or $5,000 per business Loan repaid in 12 monthly installments APR www.fnbnorth.com 218-547-1160 Member FDIC "Annual percentage rate, example $2500 at 3.90% - 12 monthly payments of $212.79 per month

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