39023 Conversion Booklet_web

3 Dear Valued Village Bank Customer, On behalf of all of us at First National Bank of Waterloo – welcome! We are excited to be an integral part of the St. Libory, Marissa, and New Athens communities and promise to embrace the strong relationships and community pride that The Village Bank has built and nurtured over the years. Bringing The Village Bank into the First National Bank of Waterloo family will provide you with more banking resources. You can expect an enhanced level of financial strength, convenience and responsiveness with features such as: • Larger lending limits for our commercial clients • More locations – 16 community-focused offices in five Illinois counties • Updated technology – make mobile deposits, send money via Zelle®, receive alerts and more • Up to 30-year fixed-rate home loans • Investment services • More banking resources - access to additional business bankers, mortgage lenders, and financial service representatives Just as The Village Bank team has faithfully served the banking needs of the St. Libory, Marissa, and New Athens communities for generations, we plan to continue to provide great financial products with excellent customer service for many years to come. Serving the best interests of our communities and our customers is what we do! As you know, The Village Bank was acquired by First National Bancshares, Inc. in November and we expect to complete the operational integration into First National Bank of Waterloo by July 16th, pending final regulatory approval. We’re providing this Welcome Guide to help ensure your transition is as seamless as possible. We encourage you to review it closely. If you have any questions, please contact your friendly staff of The Village Bank at (618) 768-4404 in St. Libory, (618) 295-2746 in Marissa and (618) 475-2200 in New Athens. We know you have many banking options and we do not take your trusted relationship with us for granted. We promise to serve you and your community with passion and determination. For all the reasons you’re a Village Bank customer, we think you’ll feel right at home at First National Bank of Waterloo, and we look forward to giving you many reasons to proudly say, “That’s my bank!” Sincerely, Rick R. Parks President & CEO