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First National Bank - Operating Philosophy

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First National Bank - Operating Philosophy

First National Operating Philosophy

First National Bank - 1917

At First National, we have a history of doing what’s right for our customers, employees, shareholders and the communities in which we serve. This dedication spans more than 150 years. Our mission statement and core values spell out First National’s commitment in compelling detail. This booklet details what our mission statement and core values are, what they mean and how we demonstrate them. When you combine these, they become First National’s Operating Philosophy. This Operating Philosophy serves as our guide – a guide to how we do business, how we work together and how we treat each other, as well as our customers. By truly living the words contained within this booklet, we can continue the traditions that have made us successful in the past, and will lead us through the future, serving as our guiding principles. Practicing this philosophy, we will continue to do what’s right for our customers, employees, shareholders and the communities we serve. I encourage all of you to thoroughly read this booklet. Keep it, reference it and apply these core tenets of our organization to ensure our continued success. Sincerely,

Bruce R. Lauritzen, Chairman First National of Nebraska

First National Tower

Mission Statement

To build and maintain long-term

relationships by delivering a superior

customer experience through

simplicity, efficiency and engaged

employees while driving profitability

and long-term growth.

DeKalb, IL

To build and maintain long-term relationships

We establish and maintain long-term relationships based on shared values with customers and employees. Customer interactions are based on relationships – not transactions. We are committed to open communication. We communicate both good and bad news openly and honestly. Our commitment to long-term relationships extends to our communities. If our communities are successful, we will be successful.

We listen. We care. We trust.

First National advertisement - 1931

by delivering a superior customer experience

We strive to exceed customer expectations by going above and beyond. We know and understand our customers and their businesses. Our lending decisions are fair and timely. When we make a promise, we keep it. We’re loyal to our customers, and we expect them to be loyal in return. Every customer is important to us and we’re grateful for their business.

Longs Peak, CO

through simplicity, efficiency

Simplicity and efficiency will be at the root of all of our processes. Our goal is to make doing business with us easy and transparent. We make common sense decisions. We change and adapt with our customers’ needs. All employees, at all levels, are challenged to think about ways to be nimble and efficient.

First National employees volunteering for Habitat for Humanity ®

and engaged employees

We invest in our employees, as they are the corner- stone to our success. Employees are empowered to make the right decisions for our customers. Everyone is responsible to do what’s right, right now. We take pride in our work. We treat each other with respect and dignity.

First National Bank - 1886

while driving profitability and long-term growth.

Profitability validates success and allows us to continue growing and supporting customers, communities and employees. We manage for the long-term, through sustainable growth, based on long-term relationships. We will never compromise our values, ethics or integrity to meet our goals. We are in business to make a profit for our shareholders, as a return for their investment in the business, and we are proud of this goal.

“We are a great big, small bank.” - John Lauritzen

First National’s Pioneer Courage Park

First National’s Spirit of Nebraska’s Wilderness Park

Integrity in every interaction.

For our employees: We are honest and transparent with one another. We are committed to resolving conflicts quickly. We strive to do the right thing all the time. We work together, without hidden agendas. There is right and there is wrong – and nothing in between. For our customers: We will not cut corners. We will do what’s right. We keep our word. We are always truthful. Customers know what to expect from First National. No surprises. We protect our customers’ confidentiality and financial >Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27

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