Making More of a Difference in Springfield

SPRINGFIELD PROMOTIONAL OFFER DISCLOSURES

¹ To be eligible for the Kasasa Cash Back Checking promotional offer, you cannot have been the primary tax owner on a consumer Country Bank checking account within the last calendar year (365 days). Limited to one offer per person as identified by Social Security Number (SSN).

Requirements to receive the Bonus offer: Open a Kasasa Cash Back Checking account at our Springfield location, or apply online via invitation to our Springfield webpage starting 03/16/2026. You must meet the Kasasa Cash Back Checking qualifications for four (4) consecutive months following account opening. To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

• At least 12 debit card purchases, post and settle;
• At least 1 (one) direct deposit or ACH transaction post and settle;
• Be enrolled in and have agreed to receive e-statements rather than paper statements.

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.

Bonus Offer Payout: Your account will be credited $400.00 within 60 days of bonus requirements being met.

IMPORTANT TAX INFORMATION: Bonus offer payout may be tax reportable. Customer is responsible for any taxes, please consult a tax advisor.

Accounts are subject to approval. This offer may be discontinued at any time. The checking account must have a positive balance and remain in an open status in order to receive the bonus.

²The advertised Annual Percentage Yield (APY) is effective as of 03/16/2026. A minimum of $10,000 in new money is required to open. New money is defined as funds that are currently not on deposit at Country Bank. Allowance of additional deposits granted throughout the term of the CD, and ceases upon renewal. Additional deposits must be made with $1,000 or more in new money. Fees may reduce earnings on the account. No withdrawals are permitted within the first six (6) days after the date of deposit. A penalty may be assessed for early withdrawals. Offer is not available for IRAs or municipalities and may be discontinued at any time.

³ Maximum financing is based on sales price or appraised value, whichever is less. Additional Disclosures: Loan Product Available for Community Heroes that will be purchasing a property or are currently employed in Country Bank’s Assessment Area. $750 closing cost credit is only valid on Community Heroes Program applications received, approved and closed with Country Bank. All loan applications subject to credit underwriting and property approval (subject to change at any time). The incentive will be applied as a Lender Credit on the Closing Disclosure at time of closing if you open or have an existing Country Bank checking account, along with the two following services: e-Statements and Automatic payment of your mortgage from your Country Bank checking account. Other fees may apply. All accounts and services must be established within twenty (20) days from the date of application or the incentive to receive the credit is null and void. All accounts and services are subject to individual approval. It cannot be combined with any other offer. Only one (1) coupon per mortgage application allowed. This offer can be withdrawn at any time.

⁴$2,500 closing cost credit is only valid on First Time Homebuyer Program applications received, approved and closed with Country Bank. Applications must be received between 03/16/2026 – 06/15/2026. First Time Homebuyer program restrictions apply. All loan applications subject to credit underwriting and property approval (subject to change at any time). The home must be located in one of the following zip codes to meet eligibility: 01103, 01104, 01105, 01107, 01108, 01109, 01111, 01115, 01118, 01119, 01128, 01129, 01144, 01151. The incentive will be applied as a Lender Credit on the Closing Disclosure at time of closing if you open or have an existing Country Bank checking account, agreement to automatic payment of this mortgage loan, along with a minimum of three (3) of the following services: Internet Banking with e-Statements, Statement Savings Account/Money Market Account, Debit Card or ATM Card, Direct Deposit into your Country Bank. Other fees may apply. All accounts and services must be established within twenty (20) days from the date of application or the incentive to receive the credit is null and void. All accounts and services are subject to individual approval. It cannot be combined with any other offer. Only one (1) coupon per mortgage application allowed. This offer can be withdrawn at any time.

⁵The High Yield Savings account and advertised Annual Percentage Yield (APY) are effective as of 03/16/2026. The rate may change at any time once the account is opened. A minimum of $10,000 in new money is required to open, and is considered as any funds not currently on deposit with Country Bank. You must maintain a minimum daily balance of $10.00 in the account each day to obtain the advertised APY. Fees may reduce earnings on the account. Offer may be discontinued at any time. Not open to Municipalities or Businesses.

⁶The Country Bank Home Equity Line of Credit (HELOC) has a variable periodic rate based on the current Prime Rate plus a Margin. Home Equity Lines of Credit with a Loan-to-Value ratio up to 80% will be priced at Prime rate plus a margin of -1%. The maximum loan amount is $250,000.00. Annual Percentage Rate (APR) is subject to increase to a Maximum of 18%. Hazard insurance is required. For loan requests less than $250,000.00, if the Bank is unable to determine a value using our standard method, you have the option to pay for a full appraisal. For loan requests equal to or greater than $250,000.00, the Bank requires a full appraisal be completed on your home to determine the value. The current cost for a full appraisal is $475.00 for a single-family property or $575.00 for a 2-4 family property. For loan requests less than $250,000.00, the standard closing and recording costs will be paid by the Bank. Closing costs will range from $0.00 to $2,800 and will vary based on the line amount requested and the attorney chosen by the Bank to conduct the closing. Maximum LTV is 95%; Minimum credit limit is $15,000.00. You can convert all or a portion of your balance to a Fixed Rate Term Out Loan during the term of your draw period. A maximum of three (3) Fixed Rate Term Out Loans can be taken. The home must be located in one of the following zip codes to meet eligibility: 01103, 01104, 01105, 01107, 01108, 01109, 01111, 01115, 01118, 01119, 01128, 01129, 01144, 01151. All loan applications are subject to credit approval