Premier Community Bank!

Welcome to Premier Community Bank! A guide to understanding the transfer of your Winneconne AnchorBank accounts to Premier Community Bank Find enclosed: Key dates and account change information Commonly asked questions and answers Benefits of banking with Premier Community Bank www.premiercommunity.com

THE BENEFITS OF BANKING WITH PREMIER COMMUNITY BANK Welcome to Premier Community Bank! Since 1941, we have been helping people achieve their financial goals while strengthening the communities we call home. Your banking relationship is important to us, and we look forward to serving you. We are truly excited to have the opportunity to serve the Winneconne community. A little about Premier Community Bank: Founded in 1941 in Marion, Wisconsin Total asset size of $260 million 100+ employees in 10 offices Offices in Marion, Bear Creek, Iola, Tigerton, Pulaski, Shawano, Manawa, King, Waupaca and Fremont We have the financial products you need Premier Community Bank is your full-service community bank. If you are looking for the right checking account to fit your situation, a mortgage for your home, or if you are searching for someone to help with retirement planning, we have the financial products and services to help you achieve your goals. We invite you to stop into any one of our locations and talk to a personal banker, who will work with you to help select the right products for your lifestyle. We will remain flexible, innovative and progressive We continue to develop new products while at the same time enhancing the services we provide for you. We are one of the few banks that keep the servicing of mortgage loans local. Our Premier Online Banking, offers you instant access to all of your accounts and allows you to transfer funds, pay bills and receive your monthly statements electronically. Our Premier Mobile Banking App is available to allow access on the go. We support the communities we serve We are proud to have many of our employees actively participating in the communities where they live. Our employees support numerous causes and have donated thousands of hours of time to support our local schools and numerous non-profit organizations. From Krautfest in Bear Creek to Polka Days in Pulaski, you ll find the men and women of Premier Community Bank serving their community.

Conversion Book August 14th Learn more at: welcometopremier.com Start using Premier Community Bank debit cards and checks September 26th Premier checks mailed September 15th Premier debit cards mailed September 15th First day as Premier Community Bank! September 28th Free Insurance Review Free Investment Review

COMMONLY ASKED QUESTIONS AND ANSWERS Answers to some of your most pressing questions about becoming a Premier Community Bank customer ACCOUNTS: Will I have to close my account at AnchorBank and open a new one at Premier Community Bank? No, you will not have to open a new account at Premier Community Bank. Your accounts will be converted September 28, 2015. Will I have a choice in the type of account available to me, or will you just assign me one? Your account(s) will be transferred to Premier Community Banks account(s) that most closely fits the features and benefits of your existing account(s). If you determine that another account is more appropriate, simply contact a Personal Banker at any of our locations to change your account. All accounts will be converted on September 28, 2015. A chart showing how your account will be converted is on page 7 and 8 of this packet. What will happen to my direct deposit or any automatic withdrawals on my account?* AnchorBank will provide notification to your current automatic deposit and payment providers. This notification will be provided for 60 days after September 28, 2015. Forms will be available to assist you with these changes at all of our locations. * Please ensure you follow up with all your electronic payments and automatic deposit providers to confirm they have the correct routing number information. What will happen to my Certificate of Deposit (CD)? All rates and terms will remain the same as they are today until the CD matures. At maturity, you will be able to choose the Certificate of Deposit that best fits your needs. What will happen to my loans?** All rates and terms will remain the same as they are today until you pay off your loan or refinance. * *Not all loans will be included in the conversion. Will the hours change? The Bank hours may change, at some point in the future, but at this time, they will remain the same. All customers will be notified if there are any hour changes.

Learn more at: welcometopremier.com When will I receive my Statement? You will receive a statement after September 28, 2015 from AnchorBank. Your first account statement from Premier Community Bank will be mailed to you within 30 days after September 28, 2015. May I continue to use my existing checks for my account? No. Although in many cases your account number(s) will remain the same, AnchorBank and Premier Community Bank have different routing numbers encoded on the bottom of each check. You will be furnished with free replacement checks from Premier Community Bank. Once information on the check has been verified as accurate, please begin using the new checks effective Saturday, September 26, 2015. Please destroy all remaining AnchorBank checks for your security. Will I have enough FDIC coverage when the two banks merge? When two or more insured banks merge, deposits from the assumed bank are separately insured from deposits at the assuming bank for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary. CDs from the assumed bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period. The six-month period will begin September 28, 2015 and will end March 28, 2016.

24/7 ACCESS TO YOUR FUNDS: Premier Community Bank provides 24/7 access to your funds through three products: Premier Online Banking, Premier Mobile Banking App and Telebanc! PREMIER ONLINE BANKING: What will happen to my online banking access? No changes will take place to your online banking until the systems conversion is completed on September 28, 2015. At that time, AnchorBank s online banking customers will have to enroll in Premier Community Bank s online banking product. Information on enrollment is available at all of our locations, as well as videos online at welcometopremier.com. What is Premier Online Banking? Premier Community Bank s personal/small business online banking product provides access to many of your accounts, such as personal checking, savings, money market, CDs, home equity lines and loans. Premier Online Banking allows you to: See real time transactions and their effects on your account Check daily balance of your accounts View and print account activity and check images Review past/current statements Research cleared checks Transfer funds between your Premier Community Bank accounts Download account information into personal finance software Pay bills online How do I enroll in Premier Online Banking? Beginning on Sunday, September 27, 2015 AnchorBank customers can enroll online. Just point your internet browser to www.premiercommunity.com, and then find the Online Banking box located on the top left of the home page. Select Personal/Small Business and then click on Enroll. You will need to have certain information ready. This includes your Social Security Number, your mailing address, your primary account number and type. You will also be asked for a security question and answer, along with an email address. Next, you will be asked to create an access ID and password and answer three security questions. When this is complete, you will have online access to your account(s). Can I obtain copies of the checks I ve written from my personal account online? Yes. Our personal/small business online banking product, allows you to view images of checks online and print a copy if you choose. Any checks or deposits processed beginning September 28, 2015 will be available online for you to view. Can I set up payments or transfers to be paid in Premier Online Banking? Yes. You can indicate any date for a payment or transfer to occur between Premier Community Bank accounts.

Learn more at: welcometopremier.com PREMIER MOBILE BANKING APP: What will happen to my mobile banking access? No changes will take place to your mobile banking until the systems conversion is completed on September 28, 2015. At that time, AnchorBank s mobile banking customers will have to enroll in Premier Community Bank s online banking product at www.premiercommunity.com. Once enrollment is complete, you can download our mobile banking app from the Google Play or itunes Store, by searching Premier Community Bank. PREMIER TELEBANC TELEPHONE BANKING: Is telephone banking available? Yes. Beginning, September 28, 2015 you will have free access to our Premier TeleBanc telephone banking system. Through your phone, you will be able to receive information on your deposit and loan accounts, transfer funds and make loan payments 24 hours a day, 7 days a week. To access TeleBanc, call 1-877-TELBANC. BILL PAY: What will happen to my bill pay access? No changes will take place to your bill pay until the systems conversion is complete on September 28, 2015. At that time, AnchorBank s bill pay customers will have to enroll in Premier Community Bank s Bill Pay product. Information on enrollment is available at all of our locations, as well as videos online at welcometopremier.com. How do I enroll for Premier Bill Pay? Before paying your bills online you must first enroll for Premier Bill Pay. You may elect to enroll for Premier Bill Pay when you enroll for Online Banking or at a later time by clicking the Bill Pay button on the top of your Online Banking home page. There is a monthly fee of $3.95 for Premier Bill Pay if one bill is not paid each month after enrollment. The fee is automatically withdrawn from your account. When will the money for my bill payments made online be deducted from my account? Your online bill payments will be deducted from your account on the date you schedule your payment to be made, not the payment due date. To allow proper time for processing, we recommend a 7 business day lead time to ensure your bill payment is received. estatements: Are estatements available? Yes. You can sign up to have your statement delivered online. estatements provide you easy access to your statement information at your convenience. You will receive email notification that your statement is available online. Enrollment for estatements can be completed in your first online banking session. Information on enrollment is available at all of our locations, as well as videos online at welcometopremier.com.

CHECKING & MONEY MARKET COMPARISON Below you will find an easy to read grid that shows you your current AnchorBank account and what your new Premier Community your new account. Please do not hesitate to contact any one of our personal bankers regarding any questions you may have. If you have one of these AnchorBank Accounts Today: Admiral, Advantage, Anchor Free Checking, AnchoreBank Free Checking, Checking Plus, Choice, Commodore, Convenience Direct Deposit, Convenience Plus, Direct Checking, High Interest, Homeowners, Reward, Student & Totally E Advantage, Commodore, MY, Market Rate Investment, Market Yield & Valley Money Manager Your New Premier Community Bank Account will be: Premier Checking Plus Earn interest on balances in your account Premier Advantage Tiered balance Money Market Account Interest YES Paid on daily balances over $1500 YES Paid on daily balances Account Requirements/ Monthly Service Fees $5 per month maintenance fee Unless one of the following are obtained: $500 Minimum Daily Balance OR If any account owner is age 62 or over, maintenance fee is reduced to $2.50 OR Elect to receive monthly Electronic Statements Minimum opening deposit of $500 Monthly Minimum Balance Fee is $10.00 unless: $2500 minimum daily balance is maintained. Maximum of 6 transfers from this account are allowed per statement cycle. $5.00 fee for each transaction over six. Unlimited In-Person transactions are allowed. Minimum opening deposit of $2500 Statement Delivery Optional Electronic Statement delivery Check Images available through online banking Optional Electronic Statement delivery Check images available through online banking Internet Banking FREE Internet Banking Access FREE Premier Bill Pay when one bill per statement cycle is paid, Otherwise $3.95 per month FREE Internet Banking Access Bill Pay Not Available Other Benefits **FREE Premier Debit Card FREE U-Choose Rewards FREE Telebanc Access Unlimited Check Writing *FREE Insurance and Investment Review FREE Telebanc Access *FREE Insurance and Investment Review

Learn more at: welcometopremier.com SAVINGS COMPARISON Bank account will be converted to on September 28, 2015. We have listed the benefits and the pertinent information regarding We would be happy to answer any questions and can offer you additional financial solutions for your specific needs. If you have one of these AnchorBank Accounts Today: Regular Savings and Property Tax Savings Health Savings Account Your New Premier Community Bank Account will be: Statement Savings Premier HSA Account for high deductible health savings plan Interest YES Paid on daily balance Interest is paid Semiannually YES Paid on daily balance Interest is paid monthly Account Requirements/ Monthly Service Fees $2.00 monthly service fee unless $100.00 Daily balance is maintained. Four withdrawals per statement cycle. A $1.00 fee will be assessed for withdrawals over four per statement cycle. Minors under 18 are exempt from service charge. Minimum opening deposit of $100 Annual Fee of $15.00 Interest rates are tiered based on balances Statement Delivery Check Safekeeping Required Check Safekeeping Required Internet Banking FREE Internet Banking Access Bill Pay Not Available FREE Premier Bill Pay when one bill per statement cycle is paid, Otherwise $3.95 per month Other Benefits FREE Telebanc Access Unlimited Deposits *FREE Insurance and Investment Review Bank will provide required tax reports in addition to monthly account statements *Not FDIC Insured - No Bank Guarantee - May Lose Value - Not a Deposit - Not Insured by any Government Agency. ** Subject to credit approval.

Personal Account Information CHECKING ACCOUNTS What you need to know about your new Checking account: 1. Review your current bank statement to determine which AnchorBank checking account product you have. 2. See the chart on the previous page for information specific to your new Premier Community Bank checking product. 3. Review information below regarding all checking accounts. Your Monthly Statement: When you receive a paper statement via US Postal Mail, the statement will provide a detail of account activity. If you wish to receive electronic statements, simply complete the online enrollment within Premier Online Banking. Statements with check images are available to you through Premier Online Banking for 12 months. Overdraft protection: If you had a Personal Reserve Account (PRA), that will continue. We also offer savings overdraft protection. Please see a Personal Banker for details. Free online banking access at www.premiercommunity.com. Free TeleBanc 24 Hour telephone banking access available by calling 1-877-TELBANC. Recurring transfers: Any transfer that would fall on a weekend or holiday will be processed on the next business day. Learn more at: welcometopremier.com SAVINGS AND MONEY MARKET ACCOUNTS What you need to know about your new Savings or Money Market Accounts: 1. Review your current bank statement to determine which AnchorBank savings account product you have. 2. See chart on the previous page for information specific to your new Premier Community Bank savings product. 3. Review information below regarding all savings accounts. Overdraft: If your savings account is overdrawn, normal overdraft fees will apply. CERTIFICATES OF DEPOSIT (CD) AND INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) What you need to know about your CD and IRA Accounts: Interest rate and terms: Your existing CD interest rate and terms will remain unchanged until the first maturity date or renewal date after September 28, 2015. Renewal or Maturity Notice: A notice will be sent 10 days prior to the maturity or renewal date. Early Withdrawal Penalty: Your existing CD and IRA are subject to AnchorBank s early interest penalties. Please refer to your account documents for details.

DEBIT CARDS Watch for two separate mailings, one will include your Premier Community Bank MasterCard Debit Card and the other one will include your 4 digit Personal Identification Number (PIN). What you will need to know about your new Debit Card: Debit Card: Your AnchorBank Debit Card will be converted to a new Premier Community Bank MasterCard Debit Card. You will receive a new card 10 days prior to our system conversion on September 28, 2015. You will be able to use your new card on September 26, 2015. Card Activation: When you receive your new MasterCard Debit Card, you will need to activate it according to the instructions on the card. NOTE: You will not be able to use your new card until September 26, 2015. Automatic payments with your current Debit Card: If you have automatic payments, such as monthly Internet or phone services charged to your current Debit Card, you will need to notify these companies of your new Debit Card number and expiration date in order for the payments to continue uninterrupted. PIN: You will receive a new PIN number a few days after your new MasterCard Debit Card arrives. * CUSTOMER SELECTED PIN: You will have the ability to custom select your PIN number. When you receive your PIN number in the mail, there will be a toll free number you may call to change your 4 digit PIN.

Personal Loan Account Information PERSONAL LOANS / INSTALLMENT LOANS What you need to know about your Personal and Installment Loans: Account number changes: Your account number will not change for your loan(s). Account Transfers: If your loan payment is made from your Premier Community Bank deposit account by automatic transfer, and there are not sufficient funds for the payment, the payment will be held in a pending status until adequate funds are received in the account. Coupon Books will be provided for all installment loans not set up on automatic payment. You will receive the books approximately two weeks after conversion. MORTGAGE LOANS What you need to know about your Mortgage Loans: Due to the features of some mortgage loans, many will remain with AnchorBank. Mortgage loan terms: Your terms will remain the same. Mortgage payment options: If your mortgage payment is currently deducted from your checking or savings account, and your mortgage loan is remaining with AnchorBank, you will receive notification from Premier Community Bank with instructions to update your payment information. Your payments will then continue to be deducted from your Premier Community Bank account. If your mortgage is transferred to Premier Community Bank, automatic payments will continue without interruption. Launch Date September 28th Payment change: If your regular payment changes due to an interest adjustment such as an Adjustable Rate Mortgage or an escrow analysis and you have an automatic payment (ACH) set up, please be aware of the following: Your payment will be automatically adjusted to make the new required payment amount. This change will not adjust the amount you have set up for any additional payment amount. Contact our Loan Department 715-754-2535 on or after September 28, 2015 if you would like to change the additional principal amount.

HOME EQUITY LOANS AND PERSONAL LINES OF CREDIT What you need to know about your Home Equity Loans and Personal Lines of Credit: If you have a Home Equity Line of Credit, your line will be serviced by Premier Community Bank on September 28, 2015. Home Equity Line of Credit payment: If your Home Equity Line of Credit payment is automatically debited from your deposit account, this service will continue without interruption. Accessing your account: You may continue to access your Home Equity Line of Credit as you currently do until September 25, 2015. Beginning September 28, 2015 you can access your equity line through the following: Telephone transactions on your Home Equity Line of Credit through our Loan Servicing at 715-754-2535 In-person draws at any Premier Community Bank office Convenience checks Online banking at www.premiercommunity.com Debit Cards for your Home Equity Line of Credit will not be offered. New loan payment options: You may make your loan payments: At any Premier Community Bank office By contacting Premier Community Bank s Loan Servicing at 715-754-2535 Sending it via US mail Through Premier Online Banking New address for loan-related correspondence will be: Premier Community Bank 230 Mavis Road Marion, WI 54950 Learn more at: welcometopremier.com

Banking on the go Premier Mobile Banking TAKE YOUR BANK WITH YOU WHEREVER YOU GO Our mobile banking services give you access to your accounts anywhere, any time. You can download the app from Google Play or itunes store by searching Premier Community Bank. estatements ENVIRONMENTALLY FRIENDLY STATEMENTS Save paper while having access to your information online and on the go. Online Bill Pay PAY YOUR BILLS QUICKLY AND EASILY With online bill pay you can schedule payments and take care of your bills with ease and efficiency. Learn more at: welcometopremier.com

Coming Soon! Premier Bill Pay App Mobile Checking Deposit Marion Office 230 Mavis Road Marion, WI 54950 (715) 754-2535 Iola Office 505 East State Street Iola, WI 54945 (715) 445-4700 Pulaski Office 745 U.S. Hwy 32 Pulaski, WI 54162 (920) 822-4736 Manawa Office 431 S. Bridge Street Manawa, WI 54949 (920) 596-2531 Waupaca Office 936 Furman Drive Waupaca, WI 54981 (715) 256-9610 Bear Creek Office 108 Railroad Avenue Bear Creek, WI 54922 (715) 752-4144 Tigerton Office 112 U.S. Hwy 45 Tigerton, WI 54486 (715) 535-3300 Shawano Office 1273 South Main Street Shawano, WI 54166 (715) 524-8100 King Office N2723 Hwy QQ King, WI 54946 (715) 258-8194 Fremont Office 310 Wolf River Drive Fremont, WI 54940 (920) 446-2550