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APPLICATION INSTRUCTIONS To complete the application, follow these steps: 1. Fill in all the blanks on the applications all fields are clickable. 2. Print and return completed application to any location within the Fishback Family of s. Do not email completed applications as we cannot guarantee the privacy and security of your email. DOWNTOWN 520 6th Street BROOKINGS Phone: 605.696.BANK Fax: 605.696.2104 EAST BANK 2220 6th Street Phone: 605.696.BANK Fax: 605.696.2290 HYVEE 790 22nd Avenue South Phone: 605.696.2356 Fax: 605.696.2337 WALMART SUPERCENTER 2233 6th Street Phone: 605.696.2139 Fax: 605.696.2174 VERMILLION 20 East Main Street Vermillion, SD 57069 Phone: 605.624.2608 Fax: 605.624.8200 GARRETSON 644 North Main Avenue Garretson, SD 57030 Phone: 605.594.3423 Fax: 605.594.3424 SIOU FALLS DOWNTOWN 110 North Minnesota Avenue Sioux Falls, SD 57104 Phone: 605.978.9300 Fax: 605.978.1147 57TH & I-229 2300 West 57th Street Sioux Falls, SD 57108 Phone: 605.782.8000 Fax: 605.335.2233 402 East 5th Street Canton, SD 57013 CANTON Phone: 605.987.2781 Fax: 605.987.2784 MADISON 120 North Egan Avenue Madison, SD 57042 Phone: 605.256.9191 Fax: 605.256.4182 WATERTOWN 1120 9th Avenue Southeast Watertown, SD 57201 Phone: 605.882.8320 Fax: 605.882.4598 PIPESTONE 101 Northwest 2nd Street Pipestone, MN 56164 Phone: 507.825.3344 Fax: 507.825.5490 MILBANK 215 West 4th Avenue Milbank, SD 57252 Phone: 605.432.5111 Fax: 605.432.9335 STOCKHOLM 102 South Main Street Stockholm, SD 57264 Phone: 605.676.2321 Fax: 605.676.2330 445 Main Avenue Toronto, SD 57268 TORONTO Phone: 605.794.4811 Fax: 605.794.4991 WHITE 301 West Main Street White, SD 57276 Phone: 605.629.2471 Fax: 605.629.6681

Credit Application Date Amount Requested $ Loan Purpose Proposed Collateral (See reverse side if Home Improvement or Refinance.* See reverse side if Secured Loan.**) APPLICANT Name Home Phone ( ) Birth Date / / Cell Phone ( ) Social Security # Driver s License # and State Issue Date / / Exp. Date / / Are you a U.S. citizen? Yes No Employer Business Business Phone ( ) Ext. Gross Monthly Income $ Other Monthly Income $ Income Information: Alimony, child support, or separate maintenance income should be revealed only if you wish to have it considered as a basis for repaying the loan. Name of Nearest Relative Not Living with You Previous or Secondary Residence (if less than 3 years at present address): Previous Employer Business No. of Dependents E-mail Checking Account # Savings Account # Relationship Phone ( ) JOINT APPLICANT (optional) ID Code: Ages Do not complete if this application is for individual unsecured credit. Marital Status: Married Separated Unmarried*** ***Includes single, divorced, and widowed (Internal Use) Name Home Phone ( ) Birth Date / / Cell Phone ( ) Social Security # Driver s License # and State Issue Date / / Exp. Date / / Are you a U.S. citizen? Yes No Employer Business Business Phone ( ) Ext. Gross Monthly Income $ Other Monthly Income $ Income Information: Alimony, child support, or separate maintenance income should be revealed only if you wish to have it considered as a basis for repaying the loan. Previous or Secondary Residence (if less than 3 years at present address): Previous Employer Business No. of Dependents E-mail Checking Account # Savings Account # Ages Do not complete if this application is for individual unsecured credit. Marital Status: Married Separated Unmarried*** ***Includes single, divorced, and widowed Name of Nearest Relative Not Living with You Relationship Phone ( )

FINANCIAL INFORMATION If Joint Applicant section has been completed, this section should be completed giving information about both the Applicant and the Joint Applicant. If not, give information about only the Applicant in this section. Include all charge accounts, installment loans/contracts, credit cards, etc. Use separate sheet if necessary. LIABILITIES Present Balance Monthly Pymt. Amt. ASSETS Cash Value Buying/Renting $ Cash on Hand $ Auto $ Home Market Value $ Loans $ Other Real Estate $ $ Auto (Year / Make): Charge Accts. $ Stocks & Bonds $ $ Cash Value of Life Ins. $ $ Non-FBT Deposits Other Obligations (child support, and/or Assets: alimony, etc.) Describe: TOTAL LIABILITIES: $ TOTAL ASSETS: $ Are you a co-maker, endorser, or guarantor on any loan or contract? Yes No Have you ever filed bankruptcy? Yes No Are there any judgments against you? Yes No Are you a member of the U.S. Armed Forces serving on active duty, or a dependent of a member of the U.S. Armed Forces on active duty? Yes No *WILL ANY OF THE LOAN PROCEEDS BE USED FOR HOME IMPROVEMENTS OR REFINANCE OF HOME IMPROVEMENTS? Yes (How much? $ ) No CONSUMER PROTECTION FOR BANK SALES OF INSURANCE In connection with your credit application, First & Trust advises you of the following: First & Trust may not condition the extension of credit you are applying for on whether you purchase an insurance product or annuity from the or any affiliate of the. First & Trust may not condition the extension of credit you are applying for on your agreement not to obtain, or a prohibition on your obtaining, an insurance product or annuity from an entity not affiliated with the. By signing, I acknowledge that I have received a copy of this form on today s date. Unless this disclosure is provided electronically or I have applied for credit by mail, I also acknowledge that you have provided this disclosure to me orally. APPLICANT INTENT If you intend to apply for joint credit, initial here: Applicant Joint Applicant ACKNOWLEDGMENT Everything that I have stated in this application is correct. I understand that the will retain this application whether or not it is approved. The is authorized to check my credit and employment history and to answer questions about the s credit experience with me. I also agree to notify the immediately in writing of any significant adverse change in my financial condition. Everything that I have stated in this application is correct. I understand that the will retain this application whether or not it is approved. The is authorized to check my credit and employment history and to answer questions about the s credit experience with me. I also agree to notify the immediately in writing of any significant adverse change in my financial condition.

CUSTOMER COPY CONSUMER PROTECTION FOR BANK SALES OF INSURANCE In connection with your credit application, First & Trust advises you of the following: First & Trust may not condition the extension of credit you are applying for on whether you purchase an insurance product or annuity from the or any affiliate of the. First & Trust may not condition the extension of credit you are applying for on your agreement not to obtain, or a prohibition on your obtaining, an insurance product or annuity from an entity not affiliated with the. By signing, I acknowledge that I have received a copy of this form on today s date. Unless this disclosure is provided electronically or I have applied for credit by mail, I also acknowledge that you have provided this disclosure to me orally.

USA PATRIOT ACT Important Information about Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver s license or other identifying documents.