KICK OFF 2020WITH GREAT RATES 020ON CHECKING& SAVINGS!E-CHECKING!13 MONTH CD SPECIAL2.55%| 1.25%APY*APY*$1,000 minimum depositwith a bump up toEarn this on your checkingbalances from $0 to $25,000.99!1.50%E-Checking earn rewards when you useelectronic services. Earn an attractiveinterest rate when you perform theseservices every statement cycle:1) Receive e-statements2) Have direct deposit3) 10 Debit Card transactionsAPY*when you open a newE-checking Account"Annual percentage yield (APY) effective as of L/2/2020 and available for a limitedtime. Premium rate of 1.50% APY with a minimum time deposit of $1,000.00, forcustomers who open a new E-checking account with a minimum opening balanceof $1,000.00. Without a new checking account, rate would be 1.25% APY with aminimum time deposit of $1,000.00. Penalty for early withdrawal. Member FDICSWITCH TO OURCOMMUNITY BANK!"Annuai Percentage Yield(APY) effective as of 1/2/2020 and subjectto change at any time. Fixed tiered rate that is compounded monthly,2.50% simple interest rate, 2.55% APY for daily account balances up to$25,000.99(additional account criteria applies); fued tiered rate that iscompounded monthly, 0.10% simple interest rate, 0,71% - 2.55% APY forremaining daily account balances of $25,001.00 and up (additional accountcriteria applies). If requirements are not met, the account will only receive theAPY of Tier 3 for the entire account balance. Minimum balance of $1.000.00required to avoid monthly charges. Fees could reduce earnings. Member FDICSBFSTATE BANK OF FARIBAULTPRIOR LAKE BRANCH6867 Boudin Street NE 952-204-1240 KICK OFF 2020 WITH GREAT RATES 020 ON CHECKING & SAVINGS! E-CHECKING! 13 MONTH CD SPECIAL 2.55%| 1.25% APY* APY* $1,000 minimum deposit with a bump up to Earn this on your checking balances from $0 to $25,000.99! 1.50% E-Checking earn rewards when you use electronic services. Earn an attractive interest rate when you perform these services every statement cycle: 1) Receive e-statements 2) Have direct deposit 3) 10 Debit Card transactions APY* when you open a new E-checking Account "Annual percentage yield (APY) effective as of L/2/2020 and available for a limited time. Premium rate of 1.50% APY with a minimum time deposit of $1,000.00, for customers who open a new E-checking account with a minimum opening balance of $1,000.00. Without a new checking account, rate would be 1.25% APY with a minimum time deposit of $1,000.00. Penalty for early withdrawal. Member FDIC SWITCH TO OUR COMMUNITY BANK! "Annuai Percentage Yield(APY) effective as of 1/2/2020 and subject to change at any time. Fixed tiered rate that is compounded monthly, 2.50% simple interest rate, 2.55% APY for daily account balances up to $25,000.99(additional account criteria applies); fued tiered rate that is compounded monthly, 0.10% simple interest rate, 0,71% - 2.55% APY for remaining daily account balances of $25,001.00 and up (additional account criteria applies). If requirements are not met, the account will only receive the APY of Tier 3 for the entire account balance. Minimum balance of $1.000.00 required to avoid monthly charges. Fees could reduce earnings. Member FDIC SBF STATE BANK OF FARIBAULT PRIOR LAKE BRANCH 6867 Boudin Street NE 952-204-1240

Date: January 17, 2020

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KICK OFF 2020 WITH GREAT RATES 020 ON CHECKING & SAVINGS! E-CHECKING! 13 MONTH CD SPECIAL 2.55%| 1.25% APY* APY* $1,000 minimum deposit with a bump up to Earn this on your checking balances from $0 to $25,000.99! 1.50% E-Checking earn rewards when you use electronic services. Earn an attractive interest rate when you perform these services every statement cycle: 1) Receive e-statements 2) Have direct deposit 3) 10 Debit Card transactions APY* when you open a new E-checking Account "Annual percentage yield (APY) effective as of L/2/2020 and available for a limited time. Premium rate of 1.50% APY with a minimum time deposit of $1,000.00, for customers who open a new E-checking account with a minimum opening balance of $1,000.00. Without a new checking account, rate would be 1.25% APY with a minimum time deposit of $1,000.00. Penalty for early withdrawal. Member FDIC SWITCH TO OUR COMMUNITY BANK! "Annuai Percentage Yield(APY) effective as of 1/2/2020 and subject to change at any time. Fixed tiered rate that is compounded monthly, 2.50% simple interest rate, 2.55% APY for daily account balances up to $25,000.99(additional account criteria applies); fued tiered rate that is compounded monthly, 0.10% simple interest rate, 0,71% - 2.55% APY for remaining daily account balances of $25,001.00 and up (additional account criteria applies). If requirements are not met, the account will only receive the APY of Tier 3 for the entire account balance. Minimum balance of $1.000.00 required to avoid monthly charges. Fees could reduce earnings. Member FDIC SBF STATE BANK OF FARIBAULT PRIOR LAKE BRANCH 6867 Boudin Street NE 952-204-1240 KICK OFF 2020 WITH GREAT RATES 020 ON CHECKING & SAVINGS! E-CHECKING! 13 MONTH CD SPECIAL 2.55%| 1.25% APY* APY* $1,000 minimum deposit with a bump up to Earn this on your checking balances from $0 to $25,000.99! 1.50% E-Checking earn rewards when you use electronic services. Earn an attractive interest rate when you perform these services every statement cycle: 1) Receive e-statements 2) Have direct deposit 3) 10 Debit Card transactions APY* when you open a new E-checking Account "Annual percentage yield (APY) effective as of L/2/2020 and available for a limited time. Premium rate of 1.50% APY with a minimum time deposit of $1,000.00, for customers who open a new E-checking account with a minimum opening balance of $1,000.00. Without a new checking account, rate would be 1.25% APY with a minimum time deposit of $1,000.00. Penalty for early withdrawal. Member FDIC SWITCH TO OUR COMMUNITY BANK! "Annuai Percentage Yield(APY) effective as of 1/2/2020 and subject to change at any time. Fixed tiered rate that is compounded monthly, 2.50% simple interest rate, 2.55% APY for daily account balances up to $25,000.99(additional account criteria applies); fued tiered rate that is compounded monthly, 0.10% simple interest rate, 0,71% - 2.55% APY for remaining daily account balances of $25,001.00 and up (additional account criteria applies). If requirements are not met, the account will only receive the APY of Tier 3 for the entire account balance. Minimum balance of $1.000.00 required to avoid monthly charges. Fees could reduce earnings. Member FDIC SBF STATE BANK OF FARIBAULT PRIOR LAKE BRANCH 6867 Boudin Street NE 952-204-1240