The FirstBank Anywhere Checking Account.

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The FirstBank Anywhere Checking Account. Open an account and receive $300. New checking customers only. Open an Account (/redirect/redirect.do?appid=secureapps&forward=startnewacct&loc=co&id=41) Steps to Qualify: https://www.efirstbank.com/_advertisements/offers/ 1/9

1 Open a new Anywhere Checking Account during the quali ed timeframe. 2 Enroll in Online Banking within 60 days of account opening. 3 Have at least one qualifying direct deposit of $500 or more post to the account within 60 days OR conduct $500 in net Visa Debit Card purchases comprised of 10 or more purchase transactions within 60 days of account opening. 4 Receive $300 to save or spend on whatever you like. Fully-loaded from the start. # No Minimum Balance No Monthly Service Charges Fraud & Overdraft Alerts Mobile Banking 24/7 Customer Service https://www.efirstbank.com/_advertisements/offers/ 2/9

Get even more with mobile banking. https://www.efirstbank.com/_advertisements/offers/ 3/9

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Download for ios Devices Download for Android Devices (https://itunes.apple.com/us/app/firstbank-mobile-banking-app/id703216566?mt=8&uo=4) (https://play.google.com/store/apps/details?id=com.firstbank.mobilebanking&hl=en) https://www.efirstbank.com/_advertisements/offers/ 5/9

Mobile Deposit Mobile Deposit makes depositing a check as easy as taking a selfie. Just select the account and enter the dollar value of the check. Then position the check within the capture field, and the app takes care of the rest. It even saves an image of the check for your records. Or, as we like to call them, "Check Selfies." FirstGlance The FirstGlance feature allows you to see a quick summary of your account information without having to login. It comes in handy at the store, a restaurant, or anywhere you need to know how much money you have. FirstGlance will even remind you of any upcoming ebills you might have, which could factor into your decision whether or not to buy an overpriced pair of jeans. Zelle With Zelle you can send and request money easily and securely to your friends and family using only their email address or U.S. mobile phone number and name. Zelle is fast, secure, convenient and available through Online Banking or the FirstBank Mobile App. Apple Pay Use your iphone 6 or later model to pay in an easy, secure and private way with a single touch. To get started, add your FirstBank credit or debit card(s) to Passbook. Once you have your cards added, you're ready to go. Biometric Login If you're like everybody, you probably have trouble remembering your password from time to time. Fortunately, we have a way to make it simple. Log in to the app with your supported ios and Android device's fingerprint or facial recognition abilities. Convenience without compromising security - just how we like it. https://www.efirstbank.com/_advertisements/offers/ 6/9

FaceID Apple recently released their newest phone, the iphone X. FirstBank customers with an iphone X can use FaceID to log in to our Mobile App! We are now referring to Fingerprint/FaceID login collectively as "Biometric Login." Card Management Card Management is now in the Mobile App! Freeze, replace, or report your debit or credit card lost or stolen, just like you can in desktop Online Banking. Communication Center The Online Communication Center (read: Bank Mail) is new and improved! We've added enhanced functionality to reply to Bank Mails, open your attached estatements, and otherwise streamlined your inbox. Welcome to Banking for Good Since 1963, we've done our best to do right by our customers, our community, and our employees. That's what Banking For Good means. Make decisions with this in mind and you'll always end up in a good place. Treat people the way you'd want to be treated, and you'll create relationships that last a lifetime. Be a force of good in the communities you live, work and love, and you will thrive alongside them. Banking for good is more than something we say, it's something we do. https://www.efirstbank.com/_advertisements/offers/ 7/9

115+ Locations and 200+ ATMs Disclosures Cash offer is not available to existing FirstBank consumer checking customers or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid for new personal checking accounts opened between December 7, 2018 to March 6, 2019. The account must be opened online at efirstbank.com/offers or bring in this advertisement to any FirstBank location to receive the $300 offer. Limit one gift per household, per lifetime. Limit one gift per account. The cash offer will be given if the account opened is in good standing, and the customer enrolls for online banking, and one direct deposit of $500 or greater posts to the new checking account. Direct deposit must be new to FirstBank and must be payroll, pension, Social Security or other government benefits. Direct deposit cannot be multiple direct deposits that are equal to or exceed $500. In place of the direct deposit requirement, the customer may conduct $500 in net (purchase debits less return credits) Visa Debit Card purchases comprised of 10 or more purchase transactions. Requirements must be met within 60 days of account opening and the cash offer will be deposited into the new checking account within 90 days of account opening. We reserve the right to substitute gifts offered at any time with an item of similar value. Limited time offer. The $300 cash offer is considered interest and is subject to IRS and other tax reporting. The cash offer is considered a bonus that can be revoked if the account is closed within six months of opening. FirstBank employees are not eligible to receive the offer. Online Banking plus direct deposit or Visa Debit Card purchases required. The Visa Debit Card is free for the first year after which an annual fee (currently $10 per card) applies. Other conditions and restrictions apply. See branch for details. Member FDIC Zelle is available to almost any bank account in the U.S. Transactions typically occur within minutes between enrolled users. If a recipient is not enrolled with Zelle, it could take up to 1 to 3 business days to receive the money once the enrollment is completed. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. https://www.efirstbank.com/_advertisements/offers/ 8/9

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