Financial Solutions for Businesses

Financial Solutions for Businesses

Success requires Uncommon Understanding SM .

Consider our sleeves permanently rolled. That’s the dedication you’ll find in everything we do.

From the large scope of operations to the details that keep you up at night, our goal is to understand your business as well as you do. Combined with industry expertise, you’ll have a new partner who’s positioned to anticipate needs, provide insight and deliver solutions.

Furthermore, when it’s time to stare into the future, whether that’s tomorrow or 10 years down the road, you can feel confident that your financial partner is ready to meet whatever comes next.

Was it ever really business as usual , a well-worn and predictable path? Or has it been a journey that required adaptation as new challenges emerge? In our experience, it’s been the latter. And it’s here to stay. From this point on, the learning curve will get a little steeper, innovation will happen at a quicker pace and everyone – across industries – will see dramatic changes in the way technology is used. Which is just fine by us. In our 162-year history, we’ve seen change before, and we’ve helped our partners succeed through it all. It requires a deeper level of understanding and being able to put that knowledge into action. When it comes to your success, there’s no such thing as too much effort.

Success requires Uncommon Understanding SM .

Being independent has served us and our clients well. Stability and strength are prioritized over growth. And through two world wars, a depression and a Great Recession, we’ve endured. Being privately held also means we don’t have to follow questionable industry trends or bow to external influences. Doing what’s right is part of our DNA, so our success is always measured by your success first . So who are we? We’re an independent, family- owned bank with six generations of experience, a difference that truly sets us apart.

We can do what a small bank can’t and what a big bank won’t.

Solutions for day-to-day needs and future goals .

We like to refer to ourselves as a great big small bank . We have the financial stability and strength to back sizeable projects while never compromising howwe serve you. When business requires flexibility and immediate decisions, your financial partner is empowered to make a timely response. Finally, we’re built for the long term, planning in 10-year intervals instead of looking for short-term gains.

• Agribusiness • Commercial banking • Commercial real estate

• Global banking • Treasury management • Wealth management

On average, $25 million

reinvested in our communities annually.

162 years old and counting

$22 billion in assets

Nearly 5,000 employees

Nearly 100 branch locations

Independent and family- owned banking company

Agribusiness

“To us, agribusiness is something special. Our clients are the peoplewho feed theworld and are stewards of the land. W are privileged to be a part of that mission and are grateful for the opportunity towork with agricultural producers every day.”

Success requires uncommon understanding.

Our past benefits your future.

We’ve been serving agribusiness since 1857, so we understand the complexity and volatility of the industry and have a proven track record of standing by our ag customers and communities.

—Brad Brummund, Sr. Vice President, Agribusiness Banking

“Agribusiness is unique in that the business cycles can be long and volatile. That requires a lot of thoughtfulness, strategy and a stout banker.” —Brad Brummund, Sr. Vice President, Agribusiness Banking

Term Loans Machinery & Equipment

Lines of Credit Operating and Feeder Finance Lines of Credit Maximize working capital to move your operation forward. • Fund seasonal buildup fluctuations in inventory • Assist in the timing differences of collecting your receivables • Take advantage of vendor discounts • Meet unexpected cash needs • Purchase livestock • Purchase grain or seed • Attract new livestock customers

A personalized lending approach to help you meet bottom-line goals.

• New or used equipment and machinery • Technology upgrades • Tractors, tillage and planting equipment • Cattle and feed yard needs • Seed and grain processing equipment

Ag Real Estate and Facility Loans Customized lending terms for business- growth opportunities.

• Land purchase or refinance • Operation expansions • Facility purchase • Land improvements

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When you see where you want to take your business, our Uncommon Understanding can help bring it to fruition with industry expertise, insights and creative solutions for both the short- and long-term. Strategic relationships and solutions to help you grow.

“At the core, business has always been, and will always be, based on trust and personal relationships.” —TimStruthers, Sr. Vice President, Commercial Banking

Lines of Credit More security for the unexpected needs of business. • Fluctuations in inventory • Extending your business- payment cycle • General operating costs • Meeting unexpected cash needs • Maximizing trade discounts SBA Loans from a Preferred Lender Access capital with less money down, lower rates, beneficial terms and extended repayment structures.

Acquisition, Growth Financing and Business Succession When it’s time for a new direction, let us help lead the way. • Bolt-on and strategic acquisition financing • Business succession planning and family transition • Employee Stock Ownership Plan (ESOP) Financing • Enterprise value lending or cash-flow-based lending Equipment and Fleet Financing Empower your business for continued success.

“Helping customers achieve their goals and objectives is what banking is all about, and, for me, there is nothing more rewarding than seeing firsthand the impact that business growth has on the local economy.”

• Working capital • Equipment and inventory

• Trucks, trailers, buses, vans and specialty vehicles • Manufacturing equipment • Construction equipment / Heavy equipment

• Commercial real estate purchases • Business expansion or renovation • Franchising financing • Exporting needs

—Jake Holdenried, Vice President, Commercial Banking

Shaping communities and laying the foundation for business success.

Every building or development is a commitment to economic growth and an opportunity to enhance the communities we call home. As such, our objective is to gain a clear understanding of your vision, offer experienced-based insight and provide the financial tools to bring your goals to fruition.

“FNBO has a long history of helping shape communities by giving businesses and families a place to grow and thrive. Our relationships with commercial real estate developers across the region is something for which we are very proud.” —Mike Kuester, Sr. Vice President, Commercial Real Estate Banking

A Full-service Regional Commercial Real Estate Lender We offer an uncommon depth and breadth of experience and a full suite of lending options that growwith your needs. • Customized financial solutions • Adjustable and fixed financing options • Knowledge in today’s commercial real estate market and current industry trends Solutions to Meet Your Needs Helping our commercial real estate clients build their portfolios with fast and seamless financing solutions.

Commercial Lending Specialties We bring our experience to the table for developers, investors and owner occupants.

• Office • Retail • Industrial • Multi-family

“In commercial real estate, we’re lucky inwhat we do, becausewe get to see the projects we finance come to life. We can see parts of the community that have been revitalized, and that’s something inwhich everyone on our team takes pride.”

• Hospitality • Mixed-use • Senior housing • Other incoming producing property

• Vertical construction • Property acquisition • Commercial and residential land development • Property refinance

—Mike Kuester, Sr. Vice President, Commercial Real Estate Banking

“ When you think about it, 95%of the world’s customers live outside the United States. Exporters are also eight times more likely to survive than go out of business. That’s because they have a bigger market to choose from, as well as newcustomers who could be potential purchasers of your product.”

Entering international markets opens new opportunities for businesses to generate profit. To make it happen, our global banking team combines industry knowledge, international experience, intuitive technology and a consultative approach for confident, cost-effective solutions. Build an international strategy that prepares your business for success. “Our goal is to be an extension of your business with a consultative approach. We’ll work to understand your needs, fill the gaps where your company may not have expertise and add value.” —Michael Salerno, Vice President of Global Banking

—Michael Salerno, Vice President of Global Banking

Cross-border Payments Our global reach ensures reliable and timely movement of funds.

•  Multi-currency accounts. Manage international cash flowwhile reducing your foreign exchange conversion costs by netting both payables and receivables in the same currency. International Trade We can help you navigate your payment and financing options. •  Letters of credit. Reduce risk for exporters while improving cash flow with guaranteed payments. Provides peace of mind to importers by allowing for payment to be made after goods have shipped and according to the importer’s requirements. •  Documentary collections. Reduce risk by sending shipping documents through the buyer’s and seller’s banks. Facilitate payment once the buyer agrees to pay for the goods under the shipment. •  Trade finance solutions. Utilize FNBO’s relationships with the U.S. Export Import Bank, the U.S. Small Business Administration and other agencies to add strength to proposals and mitigate risk as an exporter.

•  Foreign exchange. Speed and accuracy in transferring more than 90 currencies globally.

•  Foreign cash letter and foreign check collections. Process foreign checks, including image for Canadian cash letter items and collection items, and minimize clearing time. Collect same-day credit for funds received. Risk Solutions Manage currency fluctuations with foreign exchange (FX) risk-management strategies and services. •  A five-step collaborative strategy. From determining market events that will affect your FX exposure to evaluating hedging programs and their effectiveness, we’ll work together for a risk solution tailored to your business. •  Forward contracts. Eliminate the risk of exchange-rate volatility by purchasing or selling foreign currency at a fixed exchange rate.

“Providing innovative payment solutions to our corporate customers, and seeing their businesses grow dramatically, is very rewarding.”

Blending innovative payment solutions with everyday business decisions.

—Russ Oatman, Sr. Vice President, Treasury Services

Continue to move your business with treasury solutions that add efficiency. Sleep soundly knowing you’re protected with fraud security. And optimize your cash flowwith credit cards that fit your organization’s needs.

“My belief is we are here to serve by providing solutions and products that make our clients’ businesses operate more efficiently and securely, while also providing the ability for them to grow and prosper.” —Carrie Zoucha, Vice President, Commercial Card

Fraud Protection Defend your business against the ongoing threat of cybercrime with additional steps that are easy to implement. •  Check positive pay. A list of written checks is submitted daily to financial institutions that match each presented check against provided information (checking number, account number, issue date, dollar amount). Checks that don’t match are declined. •  ACH positive pay. An authorized list of trading partners and associated transactions is used to match ACH requests before the transaction is

stacks of checks or tracking down invoices are now a thing of the past. • Spend 50% less time on accounts payable • Get paid 2x faster • Automate payment reconciliation • Increase consistency and accuracy • Enhance visibility and accessibility of operations • Reduce fraud Commercial Cards Maximize working capital and improve efficiencies by incorporating a commercial card in your payments process. • Zero annual fees • Custom card design to reflect your business • Robust online management and reporting tools to manage cash flow • Photo capture receipts and code them on the go with mobile capabilities • Extract and import >Page 1 Page 2-3 Page 4-5 Page 6-7 Page 8-9 Page 10-11 Page 12-13 Page 14-15 Page 16-17 Page 18-19 Page 20

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