*APY=Annual Percentage Yield.  Rates are effective 07/08/2026.

This promotional 14-month Certificate of Deposit/IRA Certificate offer is available for a limited time and may be changed or withdrawn at any time without notice before account opening.

Qualifications: To qualify for the advertised 4.00% APY, customers must either maintain an existing active InFirst Bank checking account or open a new InFirst Bank checking account at the time the certificate is established. Customers who do not meet the qualifying checking account requirement may be eligible for other certificate products and rates offered by the Bank. An existing checking account is considered active if it has had at least one deposit transaction and one debit transaction within the preceding 90 days. Interest credits, fees, and service charges do not qualify as deposit or debit transactions for this purpose.  Customers opening a new checking account to qualify for this offer must not have had an InFirst Bank checking account within the previous 180 days.

Offer applies to eligible personal CDs, business CDs, Traditional IRA CDs, and Roth IRA CDs, subject to applicable product requirements.  IRA CDs are subject to IRS eligibility and contribution rules; consult a tax advisor regarding IRA restrictions.  Offer is not available for government, state, or municipal funds.  Customer must reside within InFirst Bank’s defined deposit market area.  Contact the bank for eligibility details.  Additional restrictions may apply.

Minimum Balance Requirement: You must make a minimum deposit to open this account of $5,000 to a maximum of $500,000.

*APY=Annual Percentage Yield.  Rates are effective 07/08/2026.

This promotional 05-month, 19-month, and 25-month Certificate of Deposit/IRA Certificate offers are available for a limited time and may be changed or withdrawn at any time without notice before account opening.

Interest compounds semi-annually for the 19-month and 25-month term.  For terms under 1-year, interest compounds at maturity.  The APY assumes interest remains on deposit until maturity.  Minimum opening deposit is $5,000.  Promotional APYs are available for balances from $5,000 to $500,000.  Fees may reduce earnings.  A penalty may be imposed for early withdrawal and may reduce earnings.

Offer applies to eligible personal CDs, business CDs, Traditional IRA CDs, and Roth IRA CDs, subject to applicable product requirements.  IRA CDs are subject to IRS eligibility and contribution rules; consult a tax advisor regarding IRA restrictions.  Offer is not available for government, state, or municipal funds.  Customer must reside within InFirst Bank’s defined deposit market area.  Contact the bank for eligibility details.  Additional restrictions may apply.

At maturity, promotional certificates will automatically renew into the same term for the certificate chosen, unless instructed otherwise, at the interest rate and APY in effect for that term at the time of renewal.  This offer cannot be combined with any other promotional offer.  Member FDIC.

Home Equity Line of Credit Special (HELOC) Revolving Line – Rates accurate as of 12/12/2025. After the 4.99% Annual Percentage Rate (APR) 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime Rate (6.750% as of 12/12/2025). Minimum APR of 4.99% and a maximum APR of 16%. Prime may change at any time and is subject to change without notice. The introductory rate period begins on the date of account opening. Special 6-month introductory rate offer applies to new HELOC’s with a minimum $15,000 line amount for first and second lien loans.  Processing and third-party fees, including appraisal, will be paid by the lender for first and second lien loans. For third lien loans to receive the no-fee special InFirst Bank must be in first and second lien position.  All fees apply for loans between $5,000 and $14,999 or for third lien loans when InFirst Bank is not in first and second lien position. If refinancing an existing InFirst Bank HELOC to a new HELOC, a minimum of $15,000 new money is required to receive the 6-month introductory rate. Offer is based on a loan to value of 89% on an owner-occupied primary residence, subject to credit approval, and cannot be a purchase money mortgage. Taxes and property insurance are always required and flood insurance is required, if applicable.

A $25.00 annual fee applies. Payment listed is per $1000 borrowed and a minimum monthly payment of $100 applies. Consult your tax advisor about the deductibility of interest. Offer subject to change or be withdrawn at any time. Limit of one 6-month introductory interest rate special per customer.

*Home Equity Loan-Specials– (HELOAN) rates accurate as of 12/12/2025. No fee offer is based on first and second lien loans, a loan to value up to 89% on an owner-occupied primary residence, subject to credit approval. APR includes a .25% discount for automatic debit of the payment from an InFirst Bank checking account. Checking account requires direct deposit and online banking with eStatements.  Your actual APR may be higher based on a review of your credit history.  Processing and third-party fees, including appraisal, will be paid by the lender for first and second lien loans of $15,000 or more.  For third lien loans to receive the no fee special InFirst Bank must be in first and second lien position.  All fees apply to loans between $5,000 and $14,999 or for third lien loans when InFirst Bank is not in first and second lien position.  Flood insurance is required where necessary.  Taxes and property insurance are required.  Using the chart above, you can calculate your monthly payment per $1,000 borrowed, or call us for assistance.  Consult your tax advisor about the deductibility of interest. Offer subject to change or be withdrawn at any time. All loans subject to approval.

Annual Percentage Rate (APR) is subject to change at any time.

Mortgage Disclosure
*Certain conditions and other fees may apply. Rates accurate as of 07/23/2026. APR includes a .25% discount for automatic debit of the payment from an InFirst Bank checking account. Checking account requires direct deposit and online banking with eStatements. Your actual APR may be higher and will depend on factors including but not limited to; loan type, property type, appraised value, occupancy, loan amount, and a review of your credit history. Offer is based on first lien, owner-occupied primary residence and is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner’s insurance is required; flood insurance may be required. In above example, Mortgage APR is calculated based on a $100,000.00 loan with a $300.00 loan origination fee. Fixed-Rate Mortgage: 85% loan-to-value (LTV). Payment does not include taxes and insurance premiums so the actual payment amount will be greater if included. LTV greater than 85% may be subject to Private Mortgage Insurance (PMI) approval. Payments per $1000 are monthly payments.

• No bi-weekly loans are offered at this time.
• Title Insurance required on all purchase mortgage loans
• Mortgage Rates applicable to Conventional Mortgage and Construction Mortgage Loans.

**20/1 Adjustable-Rate Mortgage: Certain conditions and other fees may apply. Rates accurate as of 07/23/2026. Your actual APR may be higher and will depend on factors including but not limited to; loan type, property type, appraised value, occupancy, loan amount, and a review of your credit history. Offer is based on first lien, owner-occupied primary residence and is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner’s insurance is required; flood insurance may be required. In above example, Mortgage APR is calculated based on a $100,000.00 loan with a $300.00 loan origination fee. Payment does not include taxes and insurance premiums so the actual payment amount will be greater, if included. 85% loan-to-value (LTV). LTV greater than 85% may be subject to Private Mortgage Insurance (PMI) approval. The 20/1 ARM payment per $1000 is based on monthly payments fixed for the first 20-years of the loan. After the first 20-year term the rate is subject to change annually but not by more than 2% higher per year and not more than 6% higher than the initial rate over the remaining 10-year term.

APY=Annual Percentage Yield. ⁽¹⁾The Non-Profit Money Market (MMDA) and Certificate of Deposit (CD) bonus are offered in conjunction with the Non-Profit Checking. If the Non-Profit Checking is closed, InFirst reserves the right to move the Non-Profit MMDA to a regular Business MMDA and the bonus rate for CD’s will not apply. ⁽²⁾Non-Profit MMDA Rates are variable and based on the following index; Balances less than $25,000 will earn an APY equal to 25% of the Wall Street Journal Prime rate as published; Balances of $25,000 or more will earn an APY equal to 50% of the Wall Street Journal Prime rate as published. ⁽³⁾Must maintain a minimum balance of $2,500 in the MMDA to avoid a $10 monthly minimum balance fee. ⁽⁴⁾Bonus points added to the InFirst Bank rate/term chosen as available to the public on the date of account opening. New money is defined as money that has not been on deposit in any InFirst Bank deposit account within the last 30-days. ⁽⁵⁾To qualify as non-profit for this program, organizations must be exempt from federal income taxation. Documentation of tax-exempt status is required. Subject to change or be withdrawn at any time.

*** Home Equity Line of Credit Special (HELOC) Revolving Line – Rates accurate as of 12/12/2025. After the 4.99% Annual Percentage Rate (APR) 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime Rate (7.00% as of 10/31/2025). Minimum APR of 4.99% and a maximum APR of 16%. Prime may change at any time and is subject to change without notice. The introductory rate period begins on the date of account opening. Special 6-month introductory rate offer applies to new HELOC’s with a minimum $15,000 line amount for first and second lien loans.  Processing and third-party fees, including appraisal, will be paid by the lender for first and second lien loans. For third lien loans to receive the no-fee special InFirst Bank must be in first and second lien position.  All fees apply for loans between $5,000 and $14,999 or for third lien loans when InFirst Bank is not in first and second lien position. If refinancing an existing InFirst Bank HELOC to a new HELOC, a minimum of $15,000 new money is required to receive the 6-month introductory rate. Offer is based on a loan to value of 89% on an owner-occupied primary residence, subject to credit approval, and cannot be a purchase money mortgage. Taxes and property insurance are always required and flood insurance is required, if applicable. A $25.00 annual fee applies. Payment listed is per $1000 borrowed and a minimum monthly payment of $100 applies. Consult your tax advisor about the deductibility of interest. Offer subject to change or be withdrawn at any time. Limit of one 6-month introductory interest rate special per customer.

*** Home Equity Line of Credit Non-Special (HELOC) Revolving Line – Rates accurate as of 12/12/2025. APR is based on Prime Rate (6.75% as of 12/12/2025). Minimum APR is 6.755%; maximum APR is 16%. Prime may change at any time and is subject to change without notice. Non-special based on lines of credit under a $15,000 limit. Available for a loan-to value of 89%, on an owner-occupied primary residence, subject to credit approval, and cannot be a purchase money mortgage. Taxes and property insurance are always required and flood insurance is required, if applicable. A $25.00 annual fee applies. Cost of appraisal evaluation and closing fees are the responsibility of the applicant. Payment listed is per $1000 borrowed and a minimum monthly payment of $100 applies. Consult your tax advisor about the deductibility of interest. Offer subject to change or be withdrawn at any time.

Land Loan Disclosure
*Rates are accurate as of February 19, 2026, and are subject to change without notice. Rates shown are based on first‑lien, consumer-purpose land loans with a maximum loan‑to‑value (LTV) of up to 90% for developed land or up to 65% for raw (undeveloped) land and are subject to credit approval. Your actual APR may be higher based on a review of your credit history. Not all applicants will qualify.

The Annual Percentage Rate (APR) shown includes a 0.25% relationship discount for automatic debit of loan payments from an InFirst Bank checking account, where applicable. The checking account must include active direct deposit, online banking, and eStatements.

A $75 document preparation fee applies.  The cost of any appraisal or appraisal evaluation, as well as other third‑party closing fees, is the responsibility of the applicant.

Using the chart above, you can estimate your monthly payment per $1,000 borrowed or call us for assistance. If taxes are required to be paid separately, your total monthly payment obligation will be greater. Consult your tax advisor regarding the deductibility of interest.

This is a fixed payment term loan. No pre-payment penalties apply. Loan terms and eligibility requirements may vary. Property eligibility, permitted use restrictions, and insurance requirements may apply.

Offer, rates, and Annual Percentage Rate (APR) are subject to change or withdrawal at any time without notice.

JMP/CLB-03162026

*Rates accurate as of 12/12/2025.  Offer based on loans from $1500 to $15,000 max and subject to credit approval. The APR shown includes a .25% discount for automatic debit of the payment from an InFirst Bank checking account. Checking account requires direct deposit and online banking with eStatements. Your actual APR may be higher based on a review of your credit history. Repayment examples for monthly payments per $1000 borrowed at 12.00% (APR) would be: 60-months $22.25; 48-months $26.34. Repayment examples for monthly payments per $1000 borrowed at 13.00% (APR) would be: 36-months $33.70; 24-months $47.55. Offer subject to change or be withdrawn at any time without notice. Other terms and rates may apply. Document preparation fee of $50 applies.

**Rates accurate as of 12/12/2025. The APR is based on Wall Street Journal Prime Rate (6.75% as of 12/12/2025) plus 6%, currently 12.75% APR. Payments are variable based on outstanding balance, minimum payment is $50. All offers are subject to credit approval. Maximum unsecured loan amount to any one borrower is $15,000.00. Offer may be withdrawn at any time without notice. Document preparation fee of $50.00 and $10.00 annual fee applies. Personal Unsecured Lines of Credit are not eligible for a rate discount for automatic debit of the payment.

Annual Percentage Rate (APR) is subject to change at any time.

Annual Percentage Rate (APR) and/or terms are subject to change at any time.
Secured Auto Loans are for PURCHASE TRANSACTIONS through DEALERS ONLY.

Rates accurate as of 01/02/2026. Auto loan rates are calculated based on a $10,000.00 loan with a $25.00 non-refundable document preparation fee. Certain conditions and other fees may apply. Offer of credit is subject to credit approval. APR includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account. Your actual APR may be higher based on a review of your credit history.