¹Vanderbilt FirstRewards Campaign Checking Bonus Offer Qualifications: To qualify for the $350 Bonus Offer, eligible customers must meet all three (3) requirements below: (1) Open a Vanderbilt FirstRewards Checking² account with a FirstBank debit card by December 31, 2025; account opening subject to approval; (2) Post and settle a total of $1,000.00 or more in direct deposits into the account during a statement cycle good through March 31, 2026; (3) On the last day of the statement cycle in which the qualifying direct deposit requirements are met, the account balance must be $0.01 or above. The $350 bonus will be credited to the account on the last day of statement cycle or up to 30 days after the end of the statement cycle in which all three requirements are met. Requirements must be met by March 31, 2026. Customers with an existing FirstBank Consumer Checking account are not eligible for the bonus offer. Customers who previously held a FirstBank Consumer Checking account may be eligible for bonus offer if the FirstBank Consumer Checking account has been closed for at least one (1) year or longer. Limit one (1) bonus per primary account holder social security number. This offer is non-transferrable and may not be combined with any other offers. Bonuses may be subject to IRS 1099 MISC reporting. Consult a tax advisor. Offer subject to change at any time without notice. Promotional offer period: September 19, 2025-December 31, 2025.

²FirstRewards Checking: APY=Annual Percentage Yield. To be eligible for a FirstRewards Checking account, you must receive account statements electronically monthly. If an account holder chooses to opt-out of electronic statements, they are no longer eligible for this product and will be required to transfer to another product that does not require electronic statements. This account is only available to consumers. Limit of (2) FirstRewards accounts per primary account holder social security number. Non-FirstBank ATM fees are refunded each statement cycle. To qualify for FirstRewards Checking higher interest rates: You must meet the following qualification requirements during the statement cycle: 10 debit card point of sale (POS) transactions post and settle (ATM transactions do not count towards the required 10); and One (1) monthly automated clearing house (ACH) debit or ACH credit. The FirstRewards statement cycle begins on the first business day of each month and ends on the last business day of each month. Rate Information: A base interest rate of 0.01% with a 0.01% APY is applied to all balances when FirstRewards Checking qualifications are not met. The following FirstRewards interest rates are earned if all qualification requirements are met: Tier 1-An interest rate of 1.50% will be paid on the entire portion of your daily balance up to but not exceeding $25,000.00. The APY for this tier is 1.51%. Tier 2-An interest rate of 0.55% will be paid only for that portion of your daily balance above $25,000.00. The APY for this tier will range from 1.51% to 0.79%, depending on the balance in the account. The rates are accurate as of September 19, 2025. Rates are subject to change after account has been opened. Fees may reduce earnings.

³Vanderbilt Consumer Fed Funds Money Market Bonus Offer Qualifications: To qualify for the $350 Bonus Offer, eligible customers must meet the following requirements below: (1) Open a Vanderbilt Fed Funds Money Market account by December 31 2025; (2) Be a Primary Owner on a Vanderbilt FirstRewards checking opened between September 19, 2025  and December 31, 2025; and Primary Owner on the Vanderbilt FirstRewards checking must be the same Primary Owner on the Vanderbilt Fed Funds Money Market; (3) After the Vanderbilt Fed Funds Money Market account has been opened for 90 days then on the last business day of the month have an account balance of $100,000.00 or more.  The $350 bonus will be credited to the account the next business day after the last business day of the month, or up to 30 days after the end of the statement cycle in which all qualifications are met. Requirements must be met by May 31, 2026. Customers with an existing FirstBank Consumer Money Market account are not eligible for the bonus offer. Customers who previously held a FirstBank consumer Money Market may be eligible for bonus offer if the FirstBank Consumer Money Market account has been closed for at least one (1) year or longer. Limit one (1) bonus per primary account holder social security number.  This offer is non-transferrable and may only be combined with the Vanderbilt FirstRewards Checking offer. Bonuses may be subject to IRS 1099 MISC reporting. Consult a tax advisor. Offer subject to change at any time without notice. Promotional offer period: September 19, 2025-December 31, 2025

⁴Consumer Fed Funds Money Market: APY=Annual Percentage Yield. This account is a variable rate, tiered interest account. Interest rates are a percentage of the Federal Funds Effective Rate. The Federal Funds Rate refers to the interest rate set by the Federal Open Market Committee. Tier 1-The entire daily balance of $0.01-$99,999.99 will earn up to 1.64% APY. Tier 2-The entire daily balance of $100,000.00 and above will earn up to 3.31% APY. The minimum opening deposit is $100.00. There is a $10 minimum balance fee. The minimum balance fee will be waived with a minimum balance of $100,000.00, or if the account owner is a Primary or Secondary/Joint Owner on a FirstBank Essential Checking account. For more information about our Essential Checking account, visit our website at www.FirstBankOnline.com. Rates, terms and conditions are subject to change. Rate as of September 19, 2025. Fees may reduce earnings.

Exceeding the six (6) withdrawals or transfers limitations in a statement cycle will result in a $2 charge per transaction over six (6).

FDIC Deposit Insurance: Deposit balances are insured up to the maximum amount permitted by law. The standard insurance amount is $250,000 per depositor, for each deposit insurance ownership category.

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