Welcome to Hometown Bank

FARMERS EXCHANGE BANK CUSTOMERS Welcome to Hometown Bank GET TO KNOW YOUR BANK AND YOUR NEW SERVICES

Table of Contents Use this helpful guide to discover all the new products available to you and answer any questions you may have about your transition to Hometown Bank. Important Dates and Timelines 4 Open Houses 5 Banking Center Locations 6 Locations and Hours 7 Frequently Asked Questions 8 An overview of information related to the transition from Farmers Exchange Bank to Hometown Bank About the Merger 8 General Information, Locations, ATMs and Hours 9 Deposit Account Information 10 Debit and Credit Cards 11 Personal Online Banking and Electronic Services 12 Business Online Banking 12 Loan Account Information 13 Other 13 Account Number Information 14 Deposits 15 Personal Deposit Accounts 15 Hometown Bank Personal Checking Products and Services 16 Schedule of Fees 17 Deposit Rates 19 Business Deposit Accounts 20 Card Services 21 Your New Hometown Bank Debit Card 21 Credit Cards 22 Electronic Banking 23 Enjoy the convenience of electronic banking while still receiving personable, Hometown service. Step by step instructions on how to enroll! Online Banking 23 Mobile Banking 27 e-statement Enrollment 30 Bill Pay 31 Popmoney 36 Online Banking FAQ s 38 Direct Deposit Form 39 Loans and Other Services 40 Safe Deposit Boxes 41 FDIC Coverage 41 Service Interruptions/Customer Support 41 Disclosure Section 42 Privacy Notice 44 Notice Regarding Payment Order of Items 46 Terms and Conditions of Your Account 46 Change in Terms Notification/Funds Availability Policy 52 Electronic Fund Transfers 53 Debit Card Rules 57 Substitute Check Disclosure - Substitute Checks and Your Rights 59 Conforming Loan Payment Notice for All Loans at Hometown Bank 60 Notice of ATM Night Deposit Facility User Precautions 61 Overdrafts and Overdraft Fees 61 Prohibition on Unlawful Internet Gambling Notice 62 Thank You 63 Mission/Vision/Values 63 My Action Needed New for Me

January 21, 2016 Dear Farmers Exchange Bank Customer: Welcome! We are pleased to welcome you to the Hometown Bank family of customers and employees. On Monday, February 22, 2016, all Farmers Exchange Bank offices will become Hometown Bank offices. With this merger, we want to assure you of our commitment to the communities and surrounding areas of Neshkoro, Redgranite and Wautoma. As a customer, your bank accounts either have been converted or are in the process of being converted to the Hometown Bank system. Our goal is to make this transition as smooth as possible while providing you with personalized, exceptional service. This is a tradition we ve upheld with our customers since 1907. What s in This Booklet? The table of contents found on page 2 gives you a quick view of what you will find in this booklet along with action steps you need to take. We ve provided you with a great deal of information. If you choose to simply keep this booklet in case you have questions in the future, we encourage you to at least familiarize yourself with the convenient, new services and products that will soon be available to you. We re Here to Help. After reviewing the information enclosed, if you have any questions or concerns, please visit any one of our combined branches or call a member of our team. We continue to work through all of the operational and technological aspects involved with a conversion. This includes training Farmers Exchange Bank employees how to adjust to new systems. Your patience is greatly appreciated during this period. We look forward to serving you as a new member of the family and helping you reach your financial goals. Sincerely, Tim McFarlane President and CEO Hometown Bank Tony Smyrneos Senior Vice President Farmers Exchange Bank Hometown Bank Welcome Guide 3

Important Dates and Timelines The dates below pertain to converting your Farmers Exchange Bank account(s) to the Hometown Bank system. Please make a note of any dates that will affect you. February 11, 2016 February 11, 2016 February 19, 2016 @ 2 p.m. CST February 20, 2016 @ 2 a.m. CST February 21, 2016 February 22, 2016 February 22, 2016 February 22, 2016 February 29, 2016 New MasterCard debit cards will be mailed to existing cardholders. Begin activating your new Hometown Bank debit card(s). You may begin using your new Hometown Bank debit card (provided the card has been activated). Your FEB Visa debit card will no longer be active. Properly destroy that card. Last day to have access to your account through FEB online banking. You may begin using Hometown Bank online banking and bill pay. Enroll at HTBWI.com See page 23 for step by step instructions. Begin making loan payments payable to Hometown Bank. Begin using all seven of our combined Hometown Bank locations and ATMs. New Elan credit card will be mailed to existing cardholders this week. Bank with the same friendly and knowledgeable people you know and trust Throughout the transition and beyond... plus enjoy sound planning to help you meet the financial challenges of today and tomorrow. 4 Hometown Bank Welcome Guide

Join your friends and neighbors at one of our Open Houses: 2/11/2016 in Redgranite 2/12/2016 Wautoma Hwy 21 & 73 Farmers Exchange Bank location 2/15/2016 Neshkoro Cake, coffee and fruit punch in the lobby all day Appetizers from 2-4:30 p.m. Hometown Bank logo items to be given away Demonstrations of your new bank services all day ALSO: During the week after the bank conversion, beginning February 22, enjoy refreshments in our Neshkoro, Wautoma (Plaza Road) and Redgranite lobbies. Product demos and Online Banking enrollment assistance available by staff. Hometown Bank Welcome Guide 5

Banking Center Locations 1 Appleton Menasha Neenah 41 7 Wautoma 5 Redgranite 21 Oshkosh 4 Neshkoro 41 Green Lake Ripon 23 3 2 Fond du Lac 23 6 St Cloud 41 1 Appleton 4190 Boardwalk Ct Appleton, WI 54914 2 Downtown Fond du Lac 80 Sheboygan St 3 Fond du Lac 245 N Peters Ave Fond du Lac, WI 54935 4 Neshkoro 846 N Main St Neshkoro, WI 54960 Fond du Lac, WI 54935 5 Redgranite 300 E Bannerman Ave 6 St. Cloud 1200 Main St 7 Wautoma 105 Plaza Rd Redgranite, WI 54970 St. Cloud, WI 53079 Wautoma, WI 54982 6 Hometown Bank Welcome Guide

Locations and Hours Please note that all Farmers Exchange Bank locations will be closed for business on Saturday, February 20, 2016 for system conversion. We will have a customer service representative at each Farmers Exchange Bank location available from 8:30 to noon to take phone calls should you have questions on Saturday. All branch transactions received on Friday, February 19, 2016 prior to 5 p.m. CST will be processed as of that day. Appleton 4190 Boardwalk Court, Appleton, WI 54914 Phone: 920-731-4190 Toll Free: 866-477-4190 Fax: 920-731-8190 Hours: Monday - Friday 9:00 a.m. to 5:00 p.m. (Lobby & Drive Up) No Saturday hours Fond du Lac - Operations 80 Sheboygan Street, Fond du Lac, WI 54935 Phone: 920-922-1790 Toll Free: 877-922-1790 Fax: 920-922-1640 Hours: Monday - Friday 8:00 a.m. to 5:00 p.m. Fond du Lac - Peters Ave 245 North Peters Avenue, Fond du Lac, WI 54935 Phone: 920-907-2220 Toll Free: 877-261-2220 Fax: 920-907-2221 Hours: Monday - Friday 8:00 a.m. to 5:00 p.m. (Lobby) Monday - Thursday 8:00 a.m. to 5:00 p.m. (Drive Up) Friday 8:00 a.m. to 5:30 p.m. (Drive Up) Saturday 9:00 a.m. to 12:00 p.m. (Drive Up) Fond du Lac - Sheboygan St 80 Sheboygan Street, Fond du Lac, WI 54935 Phone: 920-907-0788 Toll Free: 866-760-0788 Fax: 920-907-0752 Hours: Monday - Friday 8:00 a.m. to 5:00 p.m. (Lobby & Drive Up) No Saturday hours Neshkoro 846 N. Main Street, Neshkoro, WI 54960 PO Box 197 Neshkoro, WI 54960 Phone: 920-293-4319 Toll Free: 888-208-1266 Fax: 920-293-4860 Hours: Monday - Thursday 8:30 a.m. to 4:30 p.m. (Lobby & Drive Up) Friday 8:30 a.m. to 5:00 p.m. (Lobby & Drive Up) Saturday 8:30 a.m. to 12:00 p.m. (Drive Up) Redgranite 300 E. Bannerman Avenue, Redgranite, WI 54970 PO Box 130, Redgranite, WI 54970 Phone: 920-566-2202 Fax: 920-566-2206 Hours: Monday - Thursday 8:30 a.m. to 4:30 p.m. (Lobby & Drive Up) Friday 8:30 a.m. to 5:00 p.m. (Lobby & Drive Up) Saturday 8:30 a.m. to 12:00 p.m. (Drive Up) St. Cloud 1200 Main Street, St. Cloud, WI 53079 Phone: 920-999-3563 Toll Free: 800-224-4655 Fax: 920-999-3501 Hours: Monday - Thursday 8:30 a.m. to 4:00 p.m. (Lobby & Drive Up) Friday 8:30 a.m. to 5:30 p.m. (Lobby & Drive Up) Saturday 9:00 a.m. to 12:00 p.m. (Drive Up) Hometown Bank 21 Wautoma Wautoma * 105 Plaza Road, Wautoma, WI 54982 Phone: 920-787-0160 Toll Free: 866-787-0160 Fax: 920-787-0161 Hours: Monday - Friday 8:30 a.m. to 5:00 p.m. (Lobby & Drive Up) Saturday 8:30 a.m. to 12:00 p.m. (Drive Up) Farmers Exchange Bank * This Hometown Bank branch is just up the road from the previous Farmers Exchange Bank Wautoma location. As the merger resulted in two branches so close to one another, we carefully considered the benefits of each location. The Plaza Road branch offers easier customer access, so we chose to keep that location and close Highway 21 & 73. Hometown Bank Welcome Guide 7

Frequently Asked Questions About the Merger Who is Hometown Bank? Hometown Bank is a small, community-minded bank headquartered in Fond du Lac. It is privately owned by local investors who purchased the State Bank of St Cloud (a few miles east of Fond du Lac) in 1998. The bank has total assets of $210 million and 43 employees throughout its five branches in Fond du Lac, Appleton, St. Cloud and Wautoma. Hometown Bank s approach to banking has remained steadfast and focused on community banking and local decision making with a devotion to the communities it serves. You can read more about Hometown Bank at HTBWI.com. Will Farmers Exchange Bank change its name to Hometown Bank? Yes, after the full merger is completed. This is scheduled to occur the weekend of February 20 and 21. You may start to see the Hometown brand before the actual merger weekend as we begin to migrate Farmers Exchange Bank to Hometown Bank. On Monday morning, February 22, all Farmers Exchange Bank locations will be fully coverted to Hometown Bank. How will the bank merger impact me as a customer of Farmers Exchange Bank? We are working hard toward a seamless transition. Until full conversion of all systems, on February 22, 2016 you will see minimal changes to your day-to-day banking. What does this mean for me? You will see the same exceptional service and commitment to the community while working with the same bankers who know you best. Additionally: You will see a wider array of products, and you can expect to see some minor changes in the products you currently use. A wider network of banking centers will be available to meet your needs after the conversion. Our increased size and scale will provide increased lending limits for our customers. Most importantly, Hometown Bank makes decisions locally, has a strong balance sheet and operates with the goal of helping communities in Wisconsin. What will happen to the Farmers Exchange Bank employees? Hometown will retain all the Farmers Exchange Bank employees. Farmers Exchange Bank employees are helping to create a smooth transition during the merger and Hometown Bank is proud to welcome the employees into the family. After the merger, will everything be centralized at Hometown Bank s headquarters in Fond du Lac? Some operations have been centralized, but Hometown will maintain local decision making and continue a strong regional presence. Is Hometown Bank active in the community? Yes. As a community bank, Hometown is committed to the communities we serve and Wisconsin as a whole. Our people are active, engaged and focused on making our community a better place to live. You will find us volunteering at local schools and non profits, speaking at events and serving at various leadership levels of local and state organizations. Where can I learn more about Hometown Bank s products and services? You can learn more at www. HTBWI.com. You can also call Hometown Bank toll-free at 877-922-1790 or visit any of our branches. How can I contact the bank if I have any questions? You may continue working with your local banking representative or team members. If they are unable to answer your questions, they will find the answer and get back to you. 8 Hometown Bank Welcome Guide

General Information, Locations, ATMs and Hours Will my checking account number change? Checking accounts: While 98 percent of all account numbers have remained the same, a small number of our checking customers were notified that their account numbers would be changed. Those changes occurred on or before January 15, 2016. If a change was needed, you would have been contacted. Savings account customers: A minimal number of savings account numbers will change over conversion weekend. If your account is impacted, you will receive a letter in the mail. What will happen with the Wautoma location? Since the merger will result in our having two locations in Wautoma, the Farmers Exchange Bank branch at W7452 State Road 21 & 73 will permanently close on Friday, February 19 at 5 p.m. The Farmers Exchange Bank employees from this location will relocate to the existing Hometown Bank branch just one mile west at 105 Plaza Road in Wautoma. Beginning Monday, February 22, 2016, customers will be able to continue their banking services at the combined branch location at 105 Plaza Road. Will the merger affect the hours at the branch I currently use? Branch hours will remain the same in the weeks leading up to and in the months following the conversion date. You will be notified in advance of any permanent changes to hours at the branch you use. Will the phone number of my branch remain the same? Yes, and the phone number at the FEB Wautoma branch will automatically forward to the HTB Plaza Road location. All toll free numbers will remain the same. Will ATM locations change? The ATM located in Neshkoro will be branded as Hometown Bank and continue to be available to use. The ATM at the Farmers Exchange Wautoma location at W7452 State Road 21 & 73 will no longer be available effective the close of business February 19, 2016. You will have access to Hometown Bank ATMs in Fond du Lac and Plaza Road Wautoma as well. Extra convenience More offices and ATMs enhanced online, mobile and telephone banking and all the services you need, all in one place. Hometown Bank Welcome Guide 9

Frequently Asked Questions Deposit Account Information Will my bank statement look different than what I have now? Yes. After we complete the systems integration in February, you will begin to receive Hometown Bank formatted statements in the mail or sent electronically if you are enrolled in e-statements. For security purposes, we will discontinue hand delivery of statements at our branches. 80 SHEBOYGAN ST FOND DU LAC WI 54935-4333 When will I receive my final Farmers Exchange Bank statement? All customers with a checking, savings or money market account will receive a Farmers Exchange Bank statement through February 19, 2016 (cutoff statement). This final statement will be mailed the week of February 22, 2016 by its usual delivery method (mail or e-statement). At the time of this cutoff statement, any interest earned for the period (where applicable) will be credited to your account. The generation of a cutoff statement may result in two statements being processed and mailed to you during the month of conversion, one for the period of your last statement date to the conversion date and a statement covering the period from the conversion date to your next regular statement date. Due to the account changeover mid-month, any monthly account maintenance or per item fees will be waived for the first Hometown Bank full statement cycle. Your statement cycle will not change. When will I receive my first Hometown Bank account statement? Your statement will be mailed or sent electronically (if enrolled in Hometown Bank e-statements) about the same time of the month you receive your current Farmers Exchange Bank statement. You have the option of either delivery method. We encourage you to consider enrolling in Hometown Bank e-statements to save time and costs and gain added security. Simply visit HTBWI.com/e-Statements.aspx to see how, or ask one of our friendly team members. Easy to follow instructions are also on page 30 of this guide. I currently receive all my account statements in one combined statement, will this continue? If you currently receive a combined statement (one statement with multiple accounts), this service will be temporarily discontinued. After conversion, our banking team will perform the work necessary to resume the service for you. How can I obtain copies of my deposit statements after February 22, 2016? Enroll in Hometown Bank s online statements, and your future statements will be available for you online. To request a prior paper statement, visit one of our branches or call our Customer Service Center at 877-922-1790. Will my branch still be able to provide my transaction history and print copies of checks that were processed prior to February 22, 2016? Yes, Hometown Bank retains past statement and check records per its retention schedule. After the system conversion, your former FEB records will continue to be available upon request at your local branch. 10 Hometown Bank Welcome Guide

What if I have deposits at both banks? Should I move some for FDIC purposes? How will that work? Both Farmers Exchange Bank and Hometown Bank are FDIC insured institutions. As a result of the merger, on February 19, 2016, the deposits from FEB will be combined with the deposits at Hometown Bank. The combined balances will determine whether a depositor has exceeded the FDIC insurance limit, except that deposits at FEB prior to the merger will generally receive separate insurance coverage for six months from the date of the merger. This grace period provides an opportunity to restructure accounts, if necessary, to ensure the accounts do not exceed the insurance threshold. Certificates of Deposit from FEB are generally separately insured until the earliest maturity date after the end of the six-month grace period. Will my routing number change? Yes, your routing number will change to 075906854 on February 22, 2016. However, items with the former FEB routing number, including FEB checks, will continue to be routed and processed correctly with the exception of incoming wires. See page 13 for wire instructions. Will I still be able to use my Farmers Exchange Bank checks or will I receive new checks? You may continue to use your existing Farmers Exchange Bank checks until you are ready to reorder. When you reorder after February 22, 2016, use Hometown Bank s routing number, 075906854, for your new checks. You can reorder at any Hometown Bank branch or by calling our Customer Service Center at 877-922-1790. Will I automatically receive new deposit slips? New deposit slips will not be needed. You may continue to use your existing Farmers Exchange Bank deposit slips until you are ready to reorder. Will the features of my account be the same? Our conversion team has worked to ensure that minimal (if any) changes to your account will occur. To review the specific details of your new Hometown Bank account, please read the Account Conversion Chart that begins on page 15 for personal and 20 for business accounts. Will my account fees change? Much work has been done to ensure that only minimal changes will occur. Please see the Consumer Account Conversion Chart on page 15 for specific details. Other miscellaneous account charges for services like wire transfers, stop payments, overdrafts, etc. are published for your convenience on pages 17 and 18. The same holds true for FEB business customers. Please refer to our Business Account Conversion Chart on page 20 to see how your current account will merge into Hometown Bank s system. Other miscellaneous account charges for services like wire transfers, stop payments, overdrafts, etc. are published for your convenience on pages 17 and 18. I received a new Truth-in-Savings in the mail. How does that notice affect my account? The new Truth-in-Savings Disclosure sent to Carefree Checking, Interest Checking, Savings, Money Market and Health Savings account holders is a disclosure that covers the new terms and conditions of your account with Hometown Bank. It outlines your account s minimum balances and other terms and conditions that may be different from your Farmers Exchange account. The Truth-in-Savings for Savings, Money Market and Health Savings accounts lists a $5 paper statement fee. Does that apply to my account at conversion? No. While we encourage e-statements, the paper statement fee that may have been noted on your Truth-in-Savings will be waived for FEB customers converting to Hometown Bank for up to 12 months (and potentially longer). The Truth-In-Savings you received in the mail is the standard disclosure that applies to new accounts opened. Your account migrated from Farmers Exchange and therefore that fee will be waived. How do I enroll in e-statements? Enrollment in Online Banking provides you access to e-statements. Easy-to-follow instructions begin on page 30, or visit our website at HTBWI.com Will overdraft protection for my personal checking account continue? Yes, your overdraft protection will continue as normal. Debit and Credit Cards Will I be able to continue using my Farmers Exchange Bank Visa debit card? No, it will be deactivated Saturday, February 20, 2016 at 2 a.m. Your Hometown Bank debit MasterCard will be mailed on February 11, 2016. Upon receipt, there are Action Items you need to take that are outlined on the letter included with your card. Please see further details on page 21 of this Welcome Guide. Hometown Bank Welcome Guide 11

Frequently Asked Questions Can I continue to use my Farmers Exchange Bank VISA credit card? Watch for your new VISA credit card to arrive in the mail the week of February 29, 2016. You will get a letter from Elan notifying you of this change the week of February 15. You can continue to use your Farmers Exchange card for approximately 90 days after you receive your Hometown Bank card, however, we strongly advise you to activate your new Hometown Bank card as soon as you receive it and destroy your current Farmers Exchange Bank card. Once you activate your new card, your old card will no longer work. Your new Hometown Bank card will have the latest chip-enabled EMV technology. Your expiration date may have changed, along with the 3-digit security code on the reverse side of your card. If you have any bills automatically charged to your credit card, please be sure to contact those service providers with your new expiration date and security code. Personal Online Banking and Electronic Services Will my online banking access change? Yes. All Personal Online Banking customers need to enroll in Hometown Bank s feature-enhanced online banking system. This is an Action Item you need to complete. See page 23 for step-by-step instructions. You may also visit our Online Banking webpage at HTBWI.com/Enroll.aspx for details and a link to watch demonstrations of the conveniences that come with using these new services. Enrollment in Online Banking gives you access to our Mobile App, e-statements, Bill Pay, Pop Money and more. Instructions on how to enroll in all these services begin on page 27. What should I expect on my first log in? Establish your User ID and Password Set security data You will be presented with our Online Banking agreement to accept or decline You will be presented with the option to enroll in mobile banking You will be presented with the option to enroll for e-statements You will see the overview page for your accounts Will my direct deposit be affected? Any direct deposits you currently have through Farmers Exchange Bank will be forwarded directly to your new Hometown Bank account for deposit. If individuals or companies currently direct deposit to your account, you should provide notice to the sender of the transaction to let them know that your bank s routing number has changed. Your notice to the sender should indicate that your new Hometown Bank routing number will be: 075906854 for all transactions after February 22, 2016. A courtesy form is on page 39 to aid in that request. If you do not notify the sender of this change, your direct deposit will continue to post for some time after the effective date of February 22, 2016, however, to ensure that all future deposits are received on time, it is advisable to give the sender this courtesy notice within a reasonable time period of 30-60 days after February 22, 2016. What about automatic payments made from my Farmers Exchange Bank deposit account? All previously authorized automatic payments will continue as normal. Please use Hometown Bank s routing number (075906854) to set up future automatic payments or transfers after February 22, 2016. I have automatic funds transfer between my deposit accounts. What action must I take? No action is necessary; your automatic transfer between deposit accounts will continue as normal. If you have a scheduled or reoccurring transfer set up through your online banking, a customer service representative will be contacting you between now and the merger date. Business Online Banking Hometown Bank provides businesses with an online banking platform especially designed for the key needs of our business customers. Our Business Online Banking packages can help you to securely manage your daily banking information, improve your cash flow and help protect your cash assets from the increasing risk of account fraud. Most of our business customers take advantage of the basic services offered: Multiple User IDs that are customizable to each User Transfers between accounts Business Bill Payments Electronic services via the Automated Clearing House ACH Direct deposit of payroll Electronic payments to vendors and service providers Direct debiting to collect routine payments like rents and dues 12 Hometown Bank Welcome Guide

Remote Deposit Capture We Bring the Bank to You for your daily bank deposit Wire origination Stop payments Special alerts Positive Pay for checks that you write to help safe guard you from check fraud To learn more about the treasury management services available to business customers and how to enroll, please contact one of our treasury management specialists: Sheila Stuyvenberg 920-810-2775 SStuyvenberg@HTBWI.com Chad Towne 920-731-8963 CTowne@HTBWI.com. Loan Account Information My mortgage is with Farmers Exchange Bank now. Will it get sold? No. Hometown Bank will retain your mortgage loans. All loans currently serviced by Farmers Exchange will be serviced by Hometown Bank. Will the merger affect my existing Farmers Exchange Bank loan? No changes will be made to the existing payments, loan rates or maturity. If you have a home equity line of credit (HELOC), a personal loan account (PLA) or a business line of credit, your interest cycle may change slightly. See page 40 for details. Will my loan account number change? No. Your loan account number will remain the same. Will my loan statement change? Every loan will convert to a Hometown Bank product. If you currently use a coupon book, continue to do so. If you receive monthly loan billing statements, use the payment stub on the bottom to remit your payment. Where do I mail my loan payments made on or after February 20, 2016? Payments can be made at any branch location or mailed to: Hometown Bank Loan Servicing Department 80 Sheboygan Street Fond du Lac, WI 54935 Will my loan officer change? No, you will continue to work with your current officer. My loan payment is automatically deducted from my deposit account. Will that service continue? Yes, automatic payments will continue as usual, on the same schedule. Other How do I receive a wire transfer? To receive a wire transfer to your account, please provide the following information to the individual or business that is sending the funds: Domestic (U.S.): Wire Routing Transit Number: 075906854 Bank Name: Hometown Bank City, State: Fond du Lac, WI Your Account Number: Your full account number Title of Account: The name of your account as it appears on your statement There is a cost for receiving a wire transfer. For details, please refer to your Schedule of Fees or call us at 877-922-1790. Hometown Bank Welcome Guide 13

Account Number Information How do I send a wire transfer? To send a wire transfer, please call or visit a Hometown Bank location. Our professional staff will be happy to help you with your request. What about my safe deposit box at Farmers Exchange Bank? Safe deposit boxes will continue to be available during branch business hours. The boxes at the Farmers Exchange Bank Wautoma location will be professionally and securely moved the week of February 15, 2016. Those with boxes at that location will receive a special letter indicating what they need to do. If there are no breakable items, you do not need to do anything. The price of your safe deposit box rental will remain the same. What is Hometown Bank s privacy policy? Hometown maintains physical, electronic and procedural safeguards to ensure your non-public information remains secure. We will adhere to the privacy policies and practices described in our privacy policy at all times. You can find the policy in the Disclosure Section of this guide. Where do I find more information on Hometown Bank s products and services? All of our professional staff members will be happy to assist you in learning more about the wide array of services available to you as a result of this merger with Hometown Bank. We will continue to offer you mortgage-based services, home equity and personal loans, and many new deposit account services like online Banking with Bill Pay, Mobile Deposit and Popmoney to name a few. Please visit our website at HTBWI.com to see demos, stop in to visit us at our branches, or call us at 877-922-1790. We are here for you and would enjoy helping you take advantage of these new conveniences. For our business, nonprofit and public fund organization customers, we have a specialized suite of treasury management services that will help you manage your cash flow while protecting you from fraud. Our treasury management specialists are eager to meet you and help design a customized plan to streamline your payments and collections, manage your banking information and protect you and your cash assets from the increased risks of fraud. Please contact Sheila Stuyvenberg at 920-810-2775 or Chad Towne at 920-731-8963 to set up a personal appointment today. Account Number Information 98% of Farmers Exchange Bank (FEB) account numbers will remain the same after the conversion is completed. Checking Some checking account holders were notified their account number needed to be changed to facilitate the conversion. Our team of bankers provided one-on-one assistance to those affected. Checks Continue to use your existing FEB checks and deposit tickets until depleted unless you are specifically notified otherwise. Any new check orders placed with FEB will be updated automatically with the new Hometown Bank name and routing number. Routing and Transit Number Your new routing and transit number is 075906854 effective February 22, 2016. Savings Some savings account holders will receive a letter indicating we added 77 to the beginning of their existing account number. If you receive that letter, be sure to follow the instructions provided. Hometown Bank will assist you in making any changes you need with any automatic payments or deposits. Loans All loan accounts will retain current FEB account numbers. 14 Hometown Bank Welcome Guide

Deposits Personal Deposit Accounts How your account(s) will convert to Hometown Bank The chart below shows you how your current FEB personal account(s) will convert to your new Hometown Bank account(s) effective Monday, February 22, 2016. Wherever possible, your account features and benefits will not change. Detailed information regarding the new account terms and fees may be found in the Deposit Account Agreement on page 46. We believe that the overall impact to you will be minimal. Along with these account changes, you will now have access to a wide array of new online banking products and conveniences such as Bill Pay, Mobile Deposit and Popmoney. See page 23 for instructions on how to set up your new Hometown Bank Online Banking and the rest of our electronic suite of services. Personal Account Conversion Table Farmers Exchange Bank Product Before Conversion Hometown Bank Product After Conversion Carefree Checking Checking To (FEB s) Carefree Checking Winner Checking To (FEBs) Winner Checking Family Winner Club Personal Now Checking Personal DDA To To To (FEB s) Winner Checking Interest Checking (FEB s) Carefree Checking Personal Money Market Premium Money Market Statement Savings Health Savings DDA Money Market To To Savings To Health Savings To Money Market Account Money Market Account Savings Account Health Savings Account 18 Month Variable IRA 24 Month IRA IRAs To To CDs Variable Rate IRA Fixed Rate IRA If you currently have a Certificate of Deposit, your interest rate and maturity date will remain unchanged. You will continue to receive interest payments in the same way you have in the past. You will receive a notice when your account comes due. When your CD matures, it will automatically renew to the original renewal term offered by the bank. Hometown Bank Welcome Guide 15

Hometown Bank Personal Checking Products and Services While most FEB accounts have transitioned to a Hometown Bank account with nearly the same features, customers may find that they want more. Below are other account options available from Hometown Bank that you may be interested in learning more about: Premium Checking ^ Our Premium Checking account customers tell us that earning a market rate of interest for their checking account is an important aspect of their personal banking relationship. Premium Checking customers who maintain $10,000 or more in total deposits (average monthly balance) enjoy no monthly account maintenance fee in addition to earning interest. Relationship Checking ^ Our Relationship Checking account is great for busy people who utilize the benefits of having automatic payments made to their account. These are payments for routine things like your direct deposit of payroll, your pension or your social security that are automatically credited to you. Relationship Checking customers typically have multiple accounts with us including their first mortgage. Customers are able to enjoy the conveniences of this account without a monthly account maintenance fee if they have their qualifying routine automatic payments credited to the account and have either their first mortgage with Hometown Bank or they maintain $2,500 in total deposits (average monthly balances). echecking ^ Fast and Easy! That s our echecking; for people on the go and those who enjoy using their debit card each month. echecking customers will enjoy a small, daily minimum balance requirement of only $100 combined with the need to have either your direct deposit of payroll, pension or social security qualifying payment credited to your account or utilize your debit card for a minimum of six qualifying transactions each month to avoid a monthly account maintenance fee. Student Checking ^ We are here to help our students who are busy and focused on their education. Our Student Checking is a great way to establish a banking relationship while you study. There are no activity or balance requirements for our valued student customers. Only a small opening minimum deposit amount is needed for you to get started today. All of our personal checking account customers have the option to use many additional conveniences offered by Hometown Bank. Online Banking Bill Pay Popmoney* Mobile Banking Mobile Deposit 2 e-alerts Free e-statements Debit MasterCard Telephone Banking Paper Statements* To learn more, contact a team member at your nearest branch or visit us at HTBWI.com. ^Minimum opening deposit requirements may apply. Monthly account maintenance fees may apply if minimum monthly average balances or activity or transaction requirements are not met. *Monthly or per transaction fees may apply 2 Subject to meeting bank eligibility requirements 16 Hometown Bank Welcome Guide

Schedule of Fees Electronic Services Maintenance Fees Personal Online Banking Services: No Charge Service Charges Customer Services www.htbwi.com Safe Deposit Boxes (Not available at all locations) Hometown Bank Welcome Guide 17

Schedule of Fees (continued) Wire / Foreign Service Fees Purchased Items Debit Cards $7.00 per card International ATM/Debit Card Fees 18 Hometown Bank Welcome Guide

Deposit Rates Effective January 22, 2016 and are subject to change Certificates of Deposit - Minimum Deposit $1,000 TERM RATE ANNUAL PERCENTAGE YIELD 6 Months 0.35% 0.35% 1 Year 0.50% 0.50% 2 Years 0.70% 0.70% 3 Years 1.00% 1.00% 4 Years 1.15% 1.15% 5 Years 1.30% 1.30% IRA Fixed Rate (2 Years) 0.70% 0.70% IRA Variable Rate (2 Years) 0.15% 0.15% Premium Checking TIER RATE ANNUAL PERCENTAGE YIELD $0.00 - $9,999.99 0.00% 0.00% $10,000.00 and over 0.10% 0.10% Money Market Accounts Personal and Business TIER RATE ANNUAL PERCENTAGE YIELD $0.00 - $10,000.00 0.05% 0.05% $10,000.01 - $25,000.00 0.10% 0.10% $25,000.01 - $50,000.00 0.15% 0.15% $50,000.01 and over 0.20% 0.20% Health Savings Accounts TIER RATE ANNUAL PERCENTAGE YIELD $0.00 - $1,000.00 0.00% 0.00% $1,000.01 - $5,000.00 0.05% 0.05% $5,000.01 - $25,000.00 0.10% 0.10% $25,000.01 and over 0.20% 0.20% Savings Accounts Personal and Business TYPES RATE ANNUAL PERCENTAGE YIELD Regular Savings 0.10% 0.10% Christmas Club 0.10% 0.10% Interest Checking TIER RATE ANNUAL PERCENTAGE YIELD $0.00 - $1,000.00 0.05% 0.05% $1,000.01 - $10,000.00 0.10% 0.10% $10,000.01 and over 0.15% 0.15% Community Checking TIER RATE ANNUAL PERCENTAGE YIELD All balances 0.10% 0.10% Business Interest Checking TIER RATE ANNUAL PERCENTAGE YIELD $0.00 - $1,000.00 0.05% 0.05% $1,000.01 - $10,000.00 0.10% 0.10% $10,000.01 and over 0.15% 0.15% Hometown Bank Welcome Guide 19

Business Deposit Accounts Our business products provide the same access to your funds. We ve structured Hometown Bank products to match the services you are accustomed to. See the chart below for the new name of your account. Business Account Conversion Table Farmers Exchange Bank Product Before Conversion Hometown Bank Product After Conversion Business NOW DDA Checking To Business Interest Checking Business DDA To (FEB s) Regular Business Business Money Market Business Savings Money Market To Savings To Business Money Market Business Savings Municipal DDA Municipal Money Market DDA Municipal Products To To Community Checking Business Money Market Municipal NOW Municipal Premium Money Market To To Community Checking Business Money Market Non Profit DDA To Small Business Checking Treasury Management Services We are pleased to provide enhanced business depository services. Most notably, our dedicated treasury management professionals provide your business with resources to enhance both your cash flow and security. For our business, nonprofit and public fund organization customers, we have a specialized suite of treasury management services that will help you manage your cash flow while protecting you from fraud. Our treasury management specialists are eager to meet you and help design a customized plan to streamline your payments and collections, manage your banking information and protect you and your cash assets from the increased risks of fraud. Please contact Sheila Stuyvenberg at 920-810-2775 or Chad Towne at 920-731-8963 to set up a personal appointment today. 20 Hometown Bank Welcome Guide

Card Services Your New Hometown Bank Debit Card If you currently have a FEB debit card, you will be issued a new one displaying the Hometown Bank logo. It will be mailed on February 11, 2016 and arrive in a plain white envelope along with instructions on what to do. We suggest that upon receipt of your card in the mail, call 800-567-3451 to activate it and select your PIN. It will then be ready to use at the time of conversion. There will not be a separate PIN mailer. FEBRUARY 19 2pm When can I start using my new Hometown Bank debit card? You may start using your new card on Friday February 19 at 2 p.m., provided it has been activated. FEBRUARY 20 2am Can I still use my Farmers Exchange Bank debit card? You can use your current FEB debit card until Saturday, February 20, 2016 at 2 a.m. CST after which it will automatically stop working. How do I activate my new debit/atm card? Call the phone number located on the sticker on the face of your new card. That number is 800-567-3451. You will be able to activate your card and select your PIN at the same time after verifying security questions. You may activate your card any time after you receive it in the mail, but you will not be able to use the card until February 19, 2016 at 2 p.m. Will I have the same card number and expiration date? No, you will have a new card number and most likely a new expiration date. Since your new card number and expiration date may differ from your Farmers Exchange card, please remember to notify merchants of your new card number and expiration date. What should I do if I have automatic payments linked to my debit card? If you have any automatic payments linked to your FEB debit card, you will need to notify those vendors of your new Hometown Bank card number and expiration date, effective February 19, 2016. If you do not change your debit card information, any payments that attempt to be paid from your FEB debit card will be rejected as of February 19, 2016. What if I do not receive my new debit card? If you have not received your new debit card by February 18, 2016, please contact customer service at 877-922-1790. What fees apply to my card? You may incur a fee by using a non-hometown Bank ATM. These fees vary based on the ATM used. What are the daily limits on my new card? ATM Limit POS*Limit $500 $2,500 *POS (Point of Sale): This refers to purchases made with your debit card at any retail locations (includes online purchases). Will I still be able to use the same ATMs? Your new Hometown Bank debit card may be used the same as your Farmers Exchange card. Just like before, no fees will apply at any Hometown Bank locations. As of February 22, 2016, you will be able to use any Hometown Bank ATM along with the ATM in Neshkoro free of charge. The ATM at W7452 State Road 21 & 73 Wautoma will no longer be available. The vast network of ATMs remains available; however, you could be subject to a fee at ATMs outside our network. Should I notify the bank if I will be traveling outside of the region and plan to use my debit card? Yes, you should contact us as soon as possible to ensure that your card will work properly while you travel; especially if you plan to travel outside the United States. Please notify your local branch or contact us at 877-922-1790. All international transactions will require you to use your PIN. Hometown Bank Welcome Guide 21

Card Services What are my fees if I use my card internationally? If you use your card internationally, fees of 3% of the transaction amount on ATM withdrawals and debit card purchases apply, plus a currency conversion fee of.02% of the transaction amount on PIN-based ATM or debit card transactions fees. Are there countries that are blocked or restricted for debit card purchases or ATM usage? Yes. Our Fraud Protection system prevents transactions from blocked countries. Will my new debit card be EMV chip-enabled? EMV (Europay, Mastercard and Visa ) chip technology is becoming the global standard. Hometown Bank is scheduled to transition all of its cards in August 2016. You will receive a replacement card later this year with chip technology free of charge. For my debit card, will using MasterCard be different than Visa? You will still be able to use your debit card at merchants worldwide, online and at any ATM. The card will continue to be connected to your checking account. What is the Accel network? Accel is a leading U.S. debit payments network that enables financial institutions to meet the needs of consumers who expect to make payments and access funds in real-time wherever, whenever and however they choose. With an ATM acceptance rate of 99%, Accel cardholders can visit any ATM across the U.S. and Canada to withdraw cash or conduct a balance inquiry. Your new debit card is part of the Accel network in addition to the Pulse and Plus networks. 2253734 Fiserv M015387 ICA-5195 01/16 Authorized Signature Not Valid Unless Signed 5509 VALID THRU This card is the property of Hometown Bank, is not transferable and its surrender may be required at any time. The holder s use of this card constitutes agreement to the terms and conditions imposed by the issuer. Report lost or stolen cards immediately to Hometown Bank, 80 Sheboygan Street, Fond du Lac, WI 54935, phone (920) 922-1790 or toll free 877-922-1790. www.htbwi.com Credit Cards Watch for your new Hometown Bank VISA EMV chip-enabled credit card to arrive in the mail the week of February 29, 2016. Your credit card account number and personal identification number (PIN) will remain the same. Your expiration date may have changed, along with the 3-digit security code on the reverse side of your card. If you have any bills automatically charged to your credit card, please be sure to contact those service providers with your new expiration date and, if required, the security code as well. When your new credit card arrives: 1. Please call to activate as directed on the sticker affixed to the front of your new credit card. 2. Destroy your current Farmers Exchange Bank credit card, as the new card will replace it and will no long work if you activated your new card. The credit card will continue to be provided by Elan Financial Services. Questions regarding these accounts should be directed to Cardmember Services at 800-558-3424. 22 Hometown Bank Welcome Guide

Electronic Banking Online Electronic Banking You ve asked for it. Mobile Banking. Online Bill Pay. The latest, 24/7, manage-your-money-anywhere conveniences are now in the palm of your hand. And all backed by industry-leading security. ACTION REQUIRED! You will need to enroll in Hometown Bank s Personal Online Banking system any time after 9 a.m. on February 22, 2016. Hometown Bank s Online Banking is a more robust system providing you with new and innovative solutions. We are committed to delivering a richer online experience with more flexibility, reliability, security and control. To obtain free access to your accounts, you need to enroll in Hometown Bank s Online Banking. Read the following information carefully. We ve provided step-by-step instructions on how to easily obtain access and enjoy the added features of Bill Pay and Mobile Banking. Visit Hometown Bank s website at HTBWI.com. The Account Access section is located on the upper left side of the page. Make sure Personal is selected in the Select Account Type box. Click on First Time User? to begin enrolling in Personal Online Banking. Please note: Business Online Banking customers please see page 12 for more options specifically designed for businesses. Hometown Bank Welcome Guide 23

Electronic Banking Click on Enroll Now 24 Hometown Bank Welcome Guide

Electronic Banking Please enter the requested information and click Submit when complete. HELPFUL TIPS: If the account you have entered is a Health Savings Account (HSA), use Checking for Account Type. Telephone Banking PIN is the last 4 digits of your Social Security Number. Create the Access ID to be used for all future logins. Access ID must be 6 to 14 characters in length and cannot contain any special characters (#, $, %, etc.) Create a password to be used for all future logins. Password requirements are 8 to 16 characters long and must include at least one number, one uppercase letter, one lowercase letter and one special character. Click Submit when finished. Example: Hom3town$ Hometown Bank Welcome Guide 25

Electronic Banking Choose a question and provide an answer for each of the three challenge questions. These challenge questions are an additional security measure to ensure only authorized users are accessing online banking accounts. example@gmail.com example@gmail.com After entering the challenge questions and answers, choose whether or not to register the computer you are using as a personal computer. Registering the computer you re using as a personal computer will skip the challenge questions on future logins from that computer. Click on Submit once all the items are completed. After reading the Electronic Services Agreement & Disclosure and Mobile Deposit Agreement & Disclosure, click Accept to continue. If at any time you need assistance during the Online Banking enrollment process, contact our Special Help Desk at 855-785-7000. 26 Hometown Bank Welcome Guide

Electronic Banking Mobile Banking Enrollment Manage your money right from your phone. Mobile Banking lets you access your accounts 24/7 from anywhere. Please Note: You will be required to enroll in Hometown Bank Online Banking prior to enrolling in Mobile Banking. If you are continuing from your Online Banking enrollment, see instructions below; -Or- To enroll in Online Banking, go back to the easy, step-by-step instructions that begin on page 23. To enroll: Click Enroll Now and follow the prompts that follow. If you would like to enroll into Mobile Banking at a future date, click Ask Me Later. The system asks again at a future login, or you can enroll through the My Preferences tab from your Online Banking summary page. If you do not wish to enroll in Mobile Banking, click Decline. After reviewing the Terms & Conditions, check the box next to I accept these Terms and Conditions and click Continue. Hometown Bank Welcome Guide 27

Electronic Banking There are multiple services available through Mobile Banking: the Mobile Banking app through your smartphone, Mobile Browser accessible through the Internet on your smartphone, Text Banking services and Alert Banking. For help in choosing the right service for you, click on the Not sure? Click here to compare the services. To receive a link to the downloadable app via text, please enter the phone number for your smartphone and click Send. 9205555555 Search HTBWI in Google Play and App Store The page will display a notification that a download link has been sent to your mobile device. Click on Return to Select Services. You must select at least one service to continue. Click the box next to each service you d like to enroll in. You will receive a text message with instructions on how to use the text banking service. Click Continue when finished. Select the appropriate time zone from the drop down box. Below the time zone, you will see a list of your Hometown Bank accounts. Check the box next to the account(s) you wish to be able to view in Mobile Banking. You can also enter a nickname for each account by typing in the Mobile Banking Nickname field next to each account. Click Continue when finished. 28 Hometown Bank Welcome Guide

Electronic Banking Enter your mobile telephone number and click Continue. You will receive a text with an activation code that will be needed to complete the next step. Enter the activation code from the text message you received from Hometown Bank. Click Activate once the activation code is entered. You are now enrolled in Mobile Banking. Click on Exit Mobile Banking to return to your Online Banking screen. If you wish to review your settings for Mobile Banking, click on Go to Mobile Banking Main Menu. If you did not select to have the download link for the app sent via text message, please visit the App Store or Play Store and search HTBWI to get the App. Hometown Bank Welcome Guide 29

Electronic Banking e-statement Enrollment Go paperless Reduce waste while enjoying quicker, more flexible access to your account information. Plus, gain peace of mind: e-statements are more secure than regular mail. Please Note: You will be required to enroll in Hometown Bank Online Banking in order to receive your statements electronically. If you are continuing from your Online Banking enrollment, see instructions below; Or To enroll in Online Banking, go back to the easy, step-by-step instructions that begin on page 23. To enroll: Complete the following (for assistance, see screen image below). 1) Check the boxes next to each account you wish to enroll in e-statements. 2) Enter your email address into the Confirm Email Address field. 3) Click on the Electronic Statement Terms and Conditions link to review the terms and conditions. The Terms and Conditions will pop up on a new page for your review. Please make note of the Confirmation Code on the last page of the Terms and Conditions Disclosure. That code will need to be entered in the Confirmation Code field. 4) Click the box stating you agree to the terms and conditions. 5) Click Accept at the bottom of the screen. You are now successfully enrolled in e-statements! It will take you to the Account Summary screen, which is the main page of your online banking account. From this screen you can access account histories, complete transfers, set up future or recurring transfers, enroll in Online Bill Pay and much more. For more information and an online video, go to: HTBWI.com/e-Statements.aspx You may choose to Decline or select Ask Me Later. Doing so will prompt you in the future to reconsider. If you change your mind about enrolling in e-statements, you can enroll through the My Preferences tab from your online banking summary page at any time. 30 Hometown Bank Welcome Guide

Electronic Banking Bill Payment Enrollment New Product Offering: Bill Payment If you would like the convenience of Bill Pay, follow these simple enrollment instructions. To Enroll in Online Bill Payment, click on the Bill Pay tab after logging into online banking. Confirm the email address that prefills in the Email address field and click Submit. example@gmail.com Hometown Bank Welcome Guide 31

Electronic Banking After reading through the Terms and Conditions of the Bill Pay Service, click Accept. After reading through the Bill Pay, Popmoney and Account to Account Transfer Service Disclosure, check the box next to I accept and click Continue. 32 Hometown Bank Welcome Guide

Electronic Banking Read through the Privacy Policy Disclosure. Once finished, click in the box next to I Accept and click Continue. You are now successfully enrolled in Online Bill Pay. You can now begin entering the payees you would like to pay bills for. You can do this by searching by company name or using the different categories to search. After entering the company name, click on the search icon. Hometown Bank Welcome Guide 33

Electronic Banking Enter the account number your payment should be credited to. This information can be found on your monthly bill. If you would like to nickname this bill, click on Nickname and enter what you would like Bill Pay to display from now on. Click Next Step to continue. Enter how much you want to pay, the date you want to make the payment, and click Make Payment. You will be directed to a confirmation screen. Continue adding payees until all the companies you wish to pay have been entered. The Bill Pay system will store all the information you entered for future use. If you do not wish to make a payment at this time, click on Finish Later. 34 Hometown Bank Welcome Guide

Electronic Banking If you clicked on Finish Later, the following screen will appear. Click Finish This Step Later. When you are finished entering Payees, click on Go to my List of Bills and you will be directed to the Payment Center. The Payment Center will be the first page that loads after clicking Bill Pay in the future. From this screen you will see all the companies you ve entered and can schedule payments. The Bill Pay system will send payments electronically, however, a check will be sent if electronic payment isn t possible. Electronic payments can be sent as soon as the next business day, while checks will need a five-day lead time. Hometown Bank Welcome Guide 35

Electronic Banking Popmoney New Product Offering: POPMONEY Popmoney is an easy, fast and secure online personal payment service. Imagine sending money to a friend to pay your half of the lunch bill; requesting payment from someone who owes you money; or receiving a payment from anyone directly to your bank account. If you would like the convenience of Popmoney, follow these simple enrollment instructions. To enroll in Popmoney, click on the Bill Pay tab after logging into Online Banking. Click on the Popmoney tab near the top of your screen. Verify the phone number and email address that prefill on the screen. These will be what you previously provided Hometown Bank. Review the Terms of Service and Privacy Policy and click the box next to I have read and accept the Popmoney Terms of Service and acknowledge the Privacy Policy. Then, click Activate. 36 Hometown Bank Welcome Guide

Electronic Banking The Popmoney home screen is where you can send money, request money, review activity, add contacts and choose preferences. To send money to or request money from another person, follow the instructions under the appropriate tab. Once a person is set up, they will be saved in the Popmoney system for future use. On the right side of the screen, there is a help section that answers frequently asked questions. There is also a customer service phone number located at the bottom of the screen that can be used for any Bill Pay or Popmoney questions. Need help? Get the help you are looking for by calling our Special Online Banking Help Desk at 855-785-7000. Or to watch video demonstrations of all our electronic services go to HTBWI.com and click on Online Training in the upper right corner. Hometown Bank Welcome Guide 37