Are You Being...Free Checking AccountNo monthly minimum balance & no monthly service feeSCREWED!FREE debit cardBy Your Bank?.FREE online and mobile bankingYeah, they are doing it again. They, being some of the otherbanks in the Joliet area. They are now charging you a fee if youdon't keep a minimum balance in your checking account. I mean,did they tell you that when you opened the account? No, theydidn't. But now that they have your money, they've invented thisnew fee to make even more money from you. NiceFREE bill pay.Unlimited transactionsMonthly statementsPaper or electronic, your choice!First Secure Community Bank doesn't charge a low balance feeregardless of how much you have in your account. Why, becausewe are a COMMUNITY bank. Our first priority is to serve thecommunity whether we make money on every account or not. Itseems like the first priority of some other banks is to servethemselves to as much of your money as they can.$100 minimum opening deposit13-Month CD2.40 APYHome of Monster%CD Rates!Ok, so maybe you can afford to keep several thousand dollars inyour checking account so that they don't charge you a fee everymonth. Did you always have several thousand dollars to keep inyour checking account? Probably not. Most of us, when we gotout of school and entered the working world, were Ilucky if wehad a few hundred bucks.$1,000 Minimum25-Month CD%2.60APY*So what kind of bank do you want to do business with? A bankthat says that you are welcome here regardless of how muchmoney you have? Or a bank that says we will open your accountonly if you maintain a large balance and, if it drops below theminimum, we're gonna gouge you$1,000 Minimum35-Month CD1APY*Joliet's locally owned, locally managed, COMMUNITY bank is onthe corner of Essington and Caton Farm Roads. We're here tohelp regardless of your financial circumstances. Come see us.It won't cost you anything.$1,000 MinimumJoliet's locally-owned, locally-managed community bank!We offer Residential Lending with a community touch.Looking for a low cost mortgage or to refinance your existing home? Call Cheryl Bechard, Vice President ofResidential Lending at 815.230.8009 or 708.870.7700. You can even stop by to visit her in personNMLS #412709FIRST SECURE2398 Essington Rd., Joliet, IL 60435(Corner of Essington and Caton Farm Rd.)COMMUNITY BANK OFstJoLIET815.230.8000 www.1stsecurebank.com1. $1000.00 minimum balance to open and earn stated "Annual Percentage Yield. Rates current as of 7/15/2019. Rates and Terms are subject to FDICchange at anytime and without notice. Substantial penalty for early withdrawal. An early withdrawal penalty may reduce earnings. Member FDICLENDER Are You Being... Free Checking Account No monthly minimum balance & no monthly service fee SCREWED! FREE debit card By Your Bank? .FREE online and mobile banking Yeah, they are doing it again. They, being some of the other banks in the Joliet area. They are now charging you a fee if you don't keep a minimum balance in your checking account. I mean, did they tell you that when you opened the account? No, they didn't. But now that they have your money, they've invented this new fee to make even more money from you. Nice FREE bill pay .Unlimited transactions Monthly statements Paper or electronic, your choice! First Secure Community Bank doesn't charge a low balance fee regardless of how much you have in your account. Why, because we are a COMMUNITY bank. Our first priority is to serve the community whether we make money on every account or not. It seems like the first priority of some other banks is to serve themselves to as much of your money as they can. $100 minimum opening deposit 13-Month CD 2.40 APY Home of Monster % CD Rates! Ok, so maybe you can afford to keep several thousand dollars in your checking account so that they don't charge you a fee every month. Did you always have several thousand dollars to keep in your checking account? Probably not. Most of us, when we got out of school and entered the working world, were Ilucky if we had a few hundred bucks. $1,000 Minimum 25-Month CD % 2.60 APY* So what kind of bank do you want to do business with? A bank that says that you are welcome here regardless of how much money you have? Or a bank that says we will open your account only if you maintain a large balance and, if it drops below the minimum, we're gonna gouge you $1,000 Minimum 35-Month CD1 APY* Joliet's locally owned, locally managed, COMMUNITY bank is on the corner of Essington and Caton Farm Roads. We're here to help regardless of your financial circumstances. Come see us. It won't cost you anything. $1,000 Minimum Joliet's locally-owned, locally-managed community bank! We offer Residential Lending with a community touch. Looking for a low cost mortgage or to refinance your existing home? Call Cheryl Bechard, Vice President of Residential Lending at 815.230.8009 or 708.870.7700. You can even stop by to visit her in person NMLS #412709 FIRST SECURE 2398 Essington Rd., Joliet, IL 60435 (Corner of Essington and Caton Farm Rd.) COMMUNITY BANK OF st JoLIET 815.230.8000 www.1stsecurebank.com 1. $1000.00 minimum balance to open and earn stated "Annual Percentage Yield. Rates current as of 7/15/2019. Rates and Terms are subject to FDIC change at anytime and without notice. Substantial penalty for early withdrawal. An early withdrawal penalty may reduce earnings. Member FDIC LENDER

Date: July 27, 2019

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Are You Being... Free Checking Account No monthly minimum balance & no monthly service fee SCREWED! FREE debit card By Your Bank? .FREE online and mobile banking Yeah, they are doing it again. They, being some of the other banks in the Joliet area. They are now charging you a fee if you don't keep a minimum balance in your checking account. I mean, did they tell you that when you opened the account? No, they didn't. But now that they have your money, they've invented this new fee to make even more money from you. Nice FREE bill pay .Unlimited transactions Monthly statements Paper or electronic, your choice! First Secure Community Bank doesn't charge a low balance fee regardless of how much you have in your account. Why, because we are a COMMUNITY bank. Our first priority is to serve the community whether we make money on every account or not. It seems like the first priority of some other banks is to serve themselves to as much of your money as they can. $100 minimum opening deposit 13-Month CD 2.40 APY Home of Monster % CD Rates! Ok, so maybe you can afford to keep several thousand dollars in your checking account so that they don't charge you a fee every month. Did you always have several thousand dollars to keep in your checking account? Probably not. Most of us, when we got out of school and entered the working world, were Ilucky if we had a few hundred bucks. $1,000 Minimum 25-Month CD % 2.60 APY* So what kind of bank do you want to do business with? A bank that says that you are welcome here regardless of how much money you have? Or a bank that says we will open your account only if you maintain a large balance and, if it drops below the minimum, we're gonna gouge you $1,000 Minimum 35-Month CD1 APY* Joliet's locally owned, locally managed, COMMUNITY bank is on the corner of Essington and Caton Farm Roads. We're here to help regardless of your financial circumstances. Come see us. It won't cost you anything. $1,000 Minimum Joliet's locally-owned, locally-managed community bank! We offer Residential Lending with a community touch. Looking for a low cost mortgage or to refinance your existing home? Call Cheryl Bechard, Vice President of Residential Lending at 815.230.8009 or 708.870.7700. You can even stop by to visit her in person NMLS #412709 FIRST SECURE 2398 Essington Rd., Joliet, IL 60435 (Corner of Essington and Caton Farm Rd.) COMMUNITY BANK OF st JoLIET 815.230.8000 www.1stsecurebank.com 1. $1000.00 minimum balance to open and earn stated "Annual Percentage Yield. Rates current as of 7/15/2019. Rates and Terms are subject to FDIC change at anytime and without notice. Substantial penalty for early withdrawal. An early withdrawal penalty may reduce earnings. Member FDIC LENDER Are You Being... Free Checking Account No monthly minimum balance & no monthly service fee SCREWED! FREE debit card By Your Bank? .FREE online and mobile banking Yeah, they are doing it again. They, being some of the other banks in the Joliet area. They are now charging you a fee if you don't keep a minimum balance in your checking account. I mean, did they tell you that when you opened the account? No, they didn't. But now that they have your money, they've invented this new fee to make even more money from you. Nice FREE bill pay .Unlimited transactions Monthly statements Paper or electronic, your choice! First Secure Community Bank doesn't charge a low balance fee regardless of how much you have in your account. Why, because we are a COMMUNITY bank. Our first priority is to serve the community whether we make money on every account or not. It seems like the first priority of some other banks is to serve themselves to as much of your money as they can. $100 minimum opening deposit 13-Month CD 2.40 APY Home of Monster % CD Rates! Ok, so maybe you can afford to keep several thousand dollars in your checking account so that they don't charge you a fee every month. Did you always have several thousand dollars to keep in your checking account? Probably not. Most of us, when we got out of school and entered the working world, were Ilucky if we had a few hundred bucks. $1,000 Minimum 25-Month CD % 2.60 APY* So what kind of bank do you want to do business with? A bank that says that you are welcome here regardless of how much money you have? Or a bank that says we will open your account only if you maintain a large balance and, if it drops below the minimum, we're gonna gouge you $1,000 Minimum 35-Month CD1 APY* Joliet's locally owned, locally managed, COMMUNITY bank is on the corner of Essington and Caton Farm Roads. We're here to help regardless of your financial circumstances. Come see us. It won't cost you anything. $1,000 Minimum Joliet's locally-owned, locally-managed community bank! We offer Residential Lending with a community touch. Looking for a low cost mortgage or to refinance your existing home? Call Cheryl Bechard, Vice President of Residential Lending at 815.230.8009 or 708.870.7700. You can even stop by to visit her in person NMLS #412709 FIRST SECURE 2398 Essington Rd., Joliet, IL 60435 (Corner of Essington and Caton Farm Rd.) COMMUNITY BANK OF st JoLIET 815.230.8000 www.1stsecurebank.com 1. $1000.00 minimum balance to open and earn stated "Annual Percentage Yield. Rates current as of 7/15/2019. Rates and Terms are subject to FDIC change at anytime and without notice. Substantial penalty for early withdrawal. An early withdrawal penalty may reduce earnings. Member FDIC LENDER

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