HOME | CENTRAL NATIONAL BANKINVESTMENTSSERVICE SOLUTIONSPERSONAL CHECKINGNEW OPPORTUNITY CHECKING Automate your savings. If you’re finding it hard to find extra money to save, set up a direct deposit or auto-transfer into your savings account. You won’t have to think about it, and the money will add up. Stay on top of your spending, financial goals, and more with MoneyCentral. Free with every account. SIGN IN | CENTRAL NATIONAL BANK User ID Password. Select Account Type Account Type Online Banking (mobile site) Online Banking (full site) Investor Central Mortgage Banking Retirement Plan ACH Services BASYSIQ Virtual Terminal Lockbox Services Remote Deposit Capture. Sign Up Help.

PERSONAL CHECKING

Checking Accounts with free Online Banking, Mobile Banking, a VISA Debit Card, E-Statements, and access to LifeNOW Rewards discounts. Easily manage accounts or save while you shop. Explore your options to open a checking account online and see why so many people choose to COVID-19 | CENTRAL NATIONAL BANK To sign up, log into Online Banking or the Smartphone App, and send us a secure message stating that you'd like to be signed up. Bank-to-Bank Transfer Help. For additional information about COVID-19, get the latest report from the Centers for Disease Control at cdc.gov or your local health department website. cdc.gov. MORTGAGES | CENTRAL NATIONAL BANK The average homeowner will purchase a new home and refinance several times during their lifetime. The costs of refinancing a mortgage can add up over time, which is why we’re offering the Money for Life, Mortgage Fee Guarantee to Central National Bank mortgage customers.

MEET OUR TEAM

Amy K. Barber CSOP, CTFA. Trust Fiduciary & Compliance Manager. 800 SE Quincy. Topeka, KS 66612. Phone (785) 234-2265. Fax (785) 234-9660.

FRAUD PROTECTION

One minute after the email, you will receive a text alert, which also has the “fraud” or “no fraud” option. If there is no response received, you will then receive automatic phone calls to confirm or deny fraud. The call will also give the option of speaking to a fraud analyst. Remember—our messages will OPENINGS | CENTRAL NATIONAL BANK We're committed to the youth in our communities, whether it's education on the topics of financial literacy, agriculture and leadership, or presenting other opportunities for growth. Providing our kids a strong foundation to grow on is at the core of our values and you'll find us in many Kansas and Nebraska schools teaching kids

about finance.

MOBILE BANKING HELP

Get alerts set up on your phone to inform you when a transaction is made, the balance goes below a certain amount, or a daily balance message through the CNB Mobile app! Open and log into you CNB app. In the upper left hand corner tap the 3 bars to open the side menu.

Scroll down to

PANDEMIC IS WINDING DOWN, WHAT’S NEXT? Pandemic or not, that’s a habit we can carry through to the years ahead. 5. Seek alternative ways to conduct business and manage your life. The pandemic ushered us into a world that depended on technology. We’ve known for decades that we’re becoming more and more dependent upon tech, but the year 2020 was a defining moment for

all industries.

HOME | CENTRAL NATIONAL BANKINVESTMENTSSERVICE SOLUTIONSPERSONAL CHECKINGNEW OPPORTUNITY CHECKING Automate your savings. If you’re finding it hard to find extra money to save, set up a direct deposit or auto-transfer into your savings account. You won’t have to think about it, and the money will add up. Stay on top of your spending, financial goals, and more with MoneyCentral. Free with every account. SIGN IN | CENTRAL NATIONAL BANK User ID Password. Select Account Type Account Type Online Banking (mobile site) Online Banking (full site) Investor Central Mortgage Banking Retirement Plan ACH Services BASYSIQ Virtual Terminal Lockbox Services Remote Deposit Capture. Sign Up Help.

PERSONAL CHECKING

Checking Accounts with free Online Banking, Mobile Banking, a VISA Debit Card, E-Statements, and access to LifeNOW Rewards discounts. Easily manage accounts or save while you shop. Explore your options to open a checking account online and see why so many people choose to COVID-19 | CENTRAL NATIONAL BANK To sign up, log into Online Banking or the Smartphone App, and send us a secure message stating that you'd like to be signed up. Bank-to-Bank Transfer Help. For additional information about COVID-19, get the latest report from the Centers for Disease Control at cdc.gov or your local health department website. cdc.gov. MORTGAGES | CENTRAL NATIONAL BANK The average homeowner will purchase a new home and refinance several times during their lifetime. The costs of refinancing a mortgage can add up over time, which is why we’re offering the Money for Life, Mortgage Fee Guarantee to Central National Bank mortgage customers.

MEET OUR TEAM

Amy K. Barber CSOP, CTFA. Trust Fiduciary & Compliance Manager. 800 SE Quincy. Topeka, KS 66612. Phone (785) 234-2265. Fax (785) 234-9660.

FRAUD PROTECTION

One minute after the email, you will receive a text alert, which also has the “fraud” or “no fraud” option. If there is no response received, you will then receive automatic phone calls to confirm or deny fraud. The call will also give the option of speaking to a fraud analyst. Remember—our messages will OPENINGS | CENTRAL NATIONAL BANK We're committed to the youth in our communities, whether it's education on the topics of financial literacy, agriculture and leadership, or presenting other opportunities for growth. Providing our kids a strong foundation to grow on is at the core of our values and you'll find us in many Kansas and Nebraska schools teaching kids

about finance.

MOBILE BANKING HELP

Get alerts set up on your phone to inform you when a transaction is made, the balance goes below a certain amount, or a daily balance message through the CNB Mobile app! Open and log into you CNB app. In the upper left hand corner tap the 3 bars to open the side menu.

Scroll down to

PANDEMIC IS WINDING DOWN, WHAT’S NEXT? Pandemic or not, that’s a habit we can carry through to the years ahead. 5. Seek alternative ways to conduct business and manage your life. The pandemic ushered us into a world that depended on technology. We’ve known for decades that we’re becoming more and more dependent upon tech, but the year 2020 was a defining moment for

all industries.

COVID-19 | CENTRAL NATIONAL BANK To sign up, log into Online Banking or the Smartphone App, and send us a secure message stating that you'd like to be signed up. Bank-to-Bank Transfer Help. For additional information about COVID-19, get the latest report from the Centers for Disease Control at cdc.gov or your local health department website. cdc.gov. RATES | CENTRAL NATIONAL BANK Rate updated as of 5/3/2021 and is subject to change. Annual Percentage Rate is based on a $10,000 loan amount with a contract interest rate of 5.39% and would require 59 monthly payments of $190.54 and 1 payment of $190.85 resulting in a 5.399% APR. Auto debit payments from a Central National Bank checking account required for

this promo.

MORTGAGES | CENTRAL NATIONAL BANK The average homeowner will purchase a new home and refinance several times during their lifetime. The costs of refinancing a mortgage can add up over time, which is why we’re offering the Money for Life, Mortgage Fee Guarantee to Central National Bank mortgage customers. AUTO, RV, AND BOAT LOANS Rate updated as of 5/3/2021 and is subject to change. Annual Percentage Rate is based on a $10,000 loan amount with a contract interest rate of 5.39% and would require 59 monthly payments of $190.54 and 1 payment of $190.85 resulting in a 5.399% APR. Auto debit payments from a Central National Bank checking account required for

this promo.

MOBILE DEPOSIT HELP

Frequently Asked Questions How do I sign up? Any Central National Bank account holder who has a qualified account, is signed up for Mobile Banking, and is a user of the app, are eligible for the Mobile Deposit service, excluding New Opportunity Checking, Health Savings Accounts, Central Secret Agent and Youth Savings Accounts. ONLINE SERVICE REQUEST Central National Bank serves the Midwest with quality financial advice and solutions that help make our customers and the communities we

serve successful.

ONLINE BANKING PASSWORD RECOVERY In order to enable to Password Self-Reset you will need to complete the personal question and answer fields. This question and answer is critical as it allows us to validate your reset request. Log into your online banking and click the Options tab. Under Modify Personal Settings there is a Password Reset Question and Answer. BANK TO BANK TRANSFER HELP You can transfer funds to or from any accounts which you own at other financial institutions. Once you've signed up for Bank-to-Bank Transfer, you can enroll your accounts. We will submit trial deposit amounts to these account (s), and once you've confirmed these HOME EQUITY LINE OF CREDIT (HELOC) A home equity line of credit is a form of revolving credit that uses the equity in one’s home as collateral. Because a home is often a person’s most valuable asset, many homeowners use home equity lines for major expenses, such as home improvements, medical expenses, and

education. Submit a

CHIP CARDS | CENTRAL NATIONAL BANK A chip card, also called an EMV card, is equipped with a secure computer chip. The chip produces a one-time code that is used by the merchant to process a payment. Not all businesses in the United States can accept an EMV card just yet, so cards are still being printed with HOME | CENTRAL NATIONAL BANKINVESTMENTSSERVICE SOLUTIONSPERSONAL CHECKINGNEW OPPORTUNITY CHECKING Automate your savings. If you’re finding it hard to find extra money to save, set up a direct deposit or auto-transfer into your savings account. You won’t have to think about it, and the money will add up. Stay on top of your spending, financial goals, and more with MoneyCentral. Free with every account. SIGN IN | CENTRAL NATIONAL BANK User ID Password. Select Account Type Account Type Online Banking (mobile site) Online Banking (full site) Investor Central Mortgage Banking Retirement Plan ACH Services BASYSIQ Virtual Terminal Lockbox Services Remote Deposit Capture. Sign Up Help.

PERSONAL CHECKING

Checking Accounts with free Online Banking, Mobile Banking, a VISA Debit Card, E-Statements, and access to LifeNOW Rewards discounts. Easily manage accounts or save while you shop. Explore your options to open a checking account online and see why so many people choose to MORTGAGES | CENTRAL NATIONAL BANK The costs of refinancing a mortgage can add up over time, which is why we’re offering the Money for Life, Mortgage Fee Guarantee to Central National Bank mortgage customers. When you finance the purchase of a home with us, we’ll waive our lender fees for that loan and any future refinances of that property. 1. RATES | CENTRAL NATIONAL BANK Rate updated as of 5/3/2021 and is subject to change. Annual Percentage Rate is based on a $10,000 loan amount with a contract interest rate of 5.39% and would require 59 monthly payments of $190.54 and 1 payment of $190.85 resulting in a 5.399% APR. Auto debit payments from a Central National Bank checking account required for

this promo.

ONLINE BANKING SIGN UP Central Online Banking is available with any personal account relationship with CNB. If you have accounts with Central, but aren't signed up for Central Online Banking, simply complete the following and we will have you signed up in less than 48 business hours.

MAIN CONTACT FORM

Other ways to find us. Phone: 1-888-262-5456. Fax: 785-231-1414. US Mail: Central National Bank. Attn: Online Services Dept. 800 SE Quincy St. Topeka, KS 66612. Our Branch Locations.

MOBILE BANKING HELP

Get alerts set up on your phone to inform you when a transaction is made, the balance goes below a certain amount, or a daily balance message through the CNB Mobile app! Open and log into you CNB app. In the upper left hand corner tap the 3 bars to open the side menu. Scroll down to messaging and select text banking. Select Add Alert.

MEET OUR TEAM

Amy K. Barber CSOP, CTFA. Trust Fiduciary & Compliance Manager. 800 SE Quincy. Topeka, KS 66612. Phone (785) 234-2265. Fax (785) 234-9660. ELECTRONIC FUND TRANSFER DISCLOSUREELECTRONIC FUNDS TRANSFER DISCLOSURE SAMPLESELECTRONIC FUNDS TRANSFER ACT DISCLOSUREELECTRONIC FUNDS TRANSFER AGREEMENT FORMELECTRONIC FUNDS TRANSFER SYSTEM ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and "our" refer to Central National Bank. The terms "you" and "your" refer to HOME | CENTRAL NATIONAL BANKINVESTMENTSSERVICE SOLUTIONSPERSONAL CHECKINGNEW OPPORTUNITY CHECKING Automate your savings. If you’re finding it hard to find extra money to save, set up a direct deposit or auto-transfer into your savings account. You won’t have to think about it, and the money will add up. Stay on top of your spending, financial goals, and more with MoneyCentral. Free with every account. SIGN IN | CENTRAL NATIONAL BANK User ID Password. Select Account Type Account Type Online Banking (mobile site) Online Banking (full site) Investor Central Mortgage Banking Retirement Plan ACH Services BASYSIQ Virtual Terminal Lockbox Services Remote Deposit Capture. Sign Up Help.

PERSONAL CHECKING

Checking Accounts with free Online Banking, Mobile Banking, a VISA Debit Card, E-Statements, and access to LifeNOW Rewards discounts. Easily manage accounts or save while you shop. Explore your options to open a checking account online and see why so many people choose to MORTGAGES | CENTRAL NATIONAL BANK The costs of refinancing a mortgage can add up over time, which is why we’re offering the Money for Life, Mortgage Fee Guarantee to Central National Bank mortgage customers. When you finance the purchase of a home with us, we’ll waive our lender fees for that loan and any future refinances of that property. 1. RATES | CENTRAL NATIONAL BANK Rate updated as of 5/3/2021 and is subject to change. Annual Percentage Rate is based on a $10,000 loan amount with a contract interest rate of 5.39% and would require 59 monthly payments of $190.54 and 1 payment of $190.85 resulting in a 5.399% APR. Auto debit payments from a Central National Bank checking account required for

this promo.

ONLINE BANKING SIGN UP Central Online Banking is available with any personal account relationship with CNB. If you have accounts with Central, but aren't signed up for Central Online Banking, simply complete the following and we will have you signed up in less than 48 business hours.

MAIN CONTACT FORM

Other ways to find us. Phone: 1-888-262-5456. Fax: 785-231-1414. US Mail: Central National Bank. Attn: Online Services Dept. 800 SE Quincy St. Topeka, KS 66612. Our Branch Locations.

MOBILE BANKING HELP

Get alerts set up on your phone to inform you when a transaction is made, the balance goes below a certain amount, or a daily balance message through the CNB Mobile app! Open and log into you CNB app. In the upper left hand corner tap the 3 bars to open the side menu. Scroll down to messaging and select text banking. Select Add Alert.

MEET OUR TEAM

Amy K. Barber CSOP, CTFA. Trust Fiduciary & Compliance Manager. 800 SE Quincy. Topeka, KS 66612. Phone (785) 234-2265. Fax (785) 234-9660. ELECTRONIC FUND TRANSFER DISCLOSUREELECTRONIC FUNDS TRANSFER DISCLOSURE SAMPLESELECTRONIC FUNDS TRANSFER ACT DISCLOSUREELECTRONIC FUNDS TRANSFER AGREEMENT FORMELECTRONIC FUNDS TRANSFER SYSTEM ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and "our" refer to Central National Bank. The terms "you" and "your" refer to COVID-19 | CENTRAL NATIONAL BANK To sign up, log into Online Banking or the Smartphone App, and send us a secure message stating that you'd like to be signed up. Bank-to-Bank Transfer Help. For additional information about COVID-19, get the latest report from the Centers for Disease Control at cdc.gov or your local health department website. cdc.gov. ONLINE BANKING SIGN UP Central Online Banking is available with any personal account relationship with CNB. If you have accounts with Central, but aren't signed up for Central Online Banking, simply complete the following and we will have you signed up in less than 48 business hours. AUTO, RV, AND BOAT LOANS Rate updated as of 5/3/2021 and is subject to change. Annual Percentage Rate is based on a $10,000 loan amount with a contract interest rate of 5.39% and would require 59 monthly payments of $190.54 and 1 payment of $190.85 resulting in a 5.399% APR. Auto debit payments from a Central National Bank checking account required for

this promo.

NEW OPPORTUNITY CHECKING New Opportunity Checking is bridging the gap, offering you a second chance at a first-class bank account. We've created access to banking services for those who have previously not had it. We understand that life has its challenges and we want to help! This account includes all the features of a traditional checking account with minimal fees

BILL PAY HELP

Select Bill Pay Menu from the Acct Listing menu. Choose whether you'd like to make a one-time payment or a scheduled payment. Choose the Payee. Select the pay-from account. Enter amount, memo description (optional), and payment date, then press Submit. A confirmation message and number will display after the bill payment is complete. ONLINE SERVICE REQUEST Central National Bank serves the Midwest with quality financial advice and solutions that help make our customers and the communities we

serve successful.

FRAUD PROTECTION

One minute after the email, you will receive a text alert, which also has the “fraud” or “no fraud” option. If there is no response received, you will then receive automatic phone calls to confirm or deny fraud. The call will also give the option of speaking to a fraud analyst. Remember—our messages will

MONEY CENTRAL

MoneyCentral is a Personal Financial Management tool that allows you to track spending habits, set savings goals, and manage your finances. MoneyCentral can also pull in information from your other banking institutions so you can get a full picture of your financial health in one, easy-to-use spot. DRIVE-THRU, ITMS AND ATMS If you have any questions, please use one of the following methods to contact us; send us a secure message within online banking, call your local branch, email our Customer Contact Center at info@centralnational.com or call us at 1-888-262-5456. For additional information about COVID-19, get the latest report from the Center for

Disease Control

CHIP CARDS | CENTRAL NATIONAL BANK A chip card, also called an EMV card, is equipped with a secure computer chip. The chip produces a one-time code that is used by the merchant to process a payment. Not all businesses in the United States can accept an EMV card just yet, so cards are still being printed with HOME | CENTRAL NATIONAL BANKINVESTMENTSSERVICE SOLUTIONSPERSONAL CHECKINGNEW OPPORTUNITY CHECKING We serve the Midwest with quality checking & savings accounts, auto loans, mortgages, investments, and more. Learn about our financial products for you or your business. SIGN IN | CENTRAL NATIONAL BANK Central National Bank serves the Midwest with quality financial advice and solutions that help make our customers and the communities we

serve successful.

PERSONAL CHECKING

Checking Accounts with free Online Banking, Mobile Banking, a VISA Debit Card, E-Statements, and access to LifeNOW Rewards discounts. Easily manage accounts or save while you shop. Explore your options to open a checking account online and see why so many people choose to MORTGAGES | CENTRAL NATIONAL BANK The average homeowner will purchase a new home and refinance several times during their lifetime. The costs of refinancing a mortgage can add up over time, which is why we’re offering the Money for Life, Mortgage Fee Guarantee to Central National Bank mortgage customers. RATES | CENTRAL NATIONAL BANK 1 100% financing available for autos 2016 and newer. Restrictions may apply. Promotional rates are not available for refinances on existing Central National Bank loans. 2 Offer of credit is subject to credit approval. Restrictions apply to qualify for this rate. ONLINE BANKING SIGN UP Central Online Banking is available with any personal account relationship with CNB. If you have accounts with Central, but aren't signed up for Central Online Banking, simply complete the following and we will have you signed up in less than 48 business hours. HOME | CENTRAL NATIONAL BANKINVESTMENTSSERVICE SOLUTIONSPERSONAL CHECKINGNEW OPPORTUNITY CHECKING We serve the Midwest with quality checking & savings accounts, auto loans, mortgages, investments, and more. Learn about our financial products for you or your business. SIGN IN | CENTRAL NATIONAL BANK Central National Bank serves the Midwest with quality financial advice and solutions that help make our customers and the communities we

serve successful.

PERSONAL CHECKING

Checking Accounts with free Online Banking, Mobile Banking, a VISA Debit Card, E-Statements, and access to LifeNOW Rewards discounts. Easily manage accounts or save while you shop. Explore your options to open a checking account online and see why so many people choose to MORTGAGES | CENTRAL NATIONAL BANK The average homeowner will purchase a new home and refinance several times during their lifetime. The costs of refinancing a mortgage can add up over time, which is why we’re offering the Money for Life, Mortgage Fee Guarantee to Central National Bank mortgage customers. RATES | CENTRAL NATIONAL BANK 1 100% financing available for autos 2016 and newer. Restrictions may apply. Promotional rates are not available for refinances on existing Central National Bank loans. 2 Offer of credit is subject to credit approval. Restrictions apply to qualify for this rate. ONLINE BANKING SIGN UP Central Online Banking is available with any personal account relationship with CNB. If you have accounts with Central, but aren't signed up for Central Online Banking, simply complete the following and we will have you signed up in less than 48 business hours. COVID-19 | CENTRAL NATIONAL BANK Get our current COVID-19 status and learn about how to keep banking safely and conveniently. We're here for you with free Online Banking, Contactless Payments, Fraud Protection, Deposit ATMs, and more. ONLINE BANKING SIGN UP Central Online Banking is available with any personal account relationship with CNB. If you have accounts with Central, but aren't signed up for Central Online Banking, simply complete the following and we will have you signed up in less than 48 business hours. AUTO, RV, AND BOAT LOANS We want you to be excited about your ride, whether it’s new, used or a refinance. We offer a variety of term options and 100% 1 financing is available.. We're offering a special rate with an APR as low as 2.994% 3 for a limited time! NEW OPPORTUNITY CHECKING New Opportunity Checking is bridging the gap, offering you a second chance at a first-class bank account. We've created access to banking services for those who have previously not had it. ONLINE SERVICE REQUEST Central National Bank serves the Midwest with quality financial advice and solutions that help make our customers and the communities we

serve successful.

BILL PAY HELP

Central National Bank serves the Midwest with quality financial advice and solutions that help make our customers and the communities we

serve successful.

MONEY CENTRAL

Central National Bank serves the Midwest with quality financial advice and solutions that help make our customers and the communities we

serve successful.

FRAUD PROTECTION

Fraud Prevention Services. In our continuing efforts to keep your accounts secure, we’ve improved our alert system for potential fraud. Here’s how it works: DRIVE-THRU, ITMS AND ATMS Even though our lobbies are closed for the time being, we still have plenty of ways to serve you! Continue reading for up-to-date ways we are making sure your finances are accessible and easy-to-manage! CHIP CARDS | CENTRAL NATIONAL BANK What is a chip aka EMV card? A chip card, also called an EMV card, is equipped with a secure computer chip. The chip produces a one-time code that is used by the merchant to process a payment.

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BANK ANYTIME, ANYWHERE We admit it, we're nerds. 🤓 But we're committed to giving you cutting edge technology with every

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Online & Mobile Technology TIRED OF LENDER FEES? SO ARE WE! The cost of a mortgage or refinance can add up over time, which is why we’re offering the Money for Life, Mortgage Fee Guarantee to Central National Bank mortgage customers.

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Auto, Home, Life, Crop, or much more! We have you covered. BUNDLE YOUR POLICIES Many companies offer discounted rates for bundling a home and auto

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A HOME IS A LIFE INVESTMENT Looking for a home loan or refinance? We’ve got lots of options! Learn About Mortgages

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One of the most exciting purchases you’ll ever make, whether it’s a car that holds your entire family, or a sporty little two-seater. Apply Now Auto Loans

AUTO LOANS

One of the most exciting purchases you’ll ever make, whether it’s a car that holds your entire family, or a sporty little two-seater. Apply Now Auto Loans

COMMUNITY ORIENTED

We're a vibrant company that is dedicated to providing the quality service that makes our customers and the communities we serve

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We also demonstrate a long history of security, soundness and a strong capital position. There's comfort in knowing that the same conservative approach that held true through the last hundred years will continue to lead the organization into new challenges.

Our History

FINANCIAL TIPS

Don’t open a retail card. They typically come with high interest rates. It’s a particularly bad idea to open one if you plan on applying for a loan in the next six months, as it can bring your

credit score down.

Eat out less. Even if it’s just once a month less, it’s cheaper and healthier for you. If you’re someone who likes to get coffee to-go, consider making it at home instead of going to Starbucks. Find a friend. Money isn’t usually a “police” topic, but finding a friend with solid money habits can help improve yours. Discussing financial habits with a close friend can help keep you accountable. ------------------------- Stay on top of your spending, financial goals, and more with MoneyCentral. Free with every account. Budget Easier With MoneyCentral

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BROWSER SECURITY INDICATORS You may notice when you are on our home page that some familiar indicators do not appear in your browser to confirm the entire page is secure. Those indicators include the small "lock" icon in the bottom right corner of the browser frame and the "s" in the Web address bar (for example, "https"). To provide the fast access to our home page, we have made signing in to Online Banking secure without making the entire page secure. You can be assured that your ID and password are secure and that only Central National Bank has access to them. CENTRALNATIONAL.COM IS SSL-ENCYPTED Secure Socket Layer (SSL) technology secretly encodes (encrypts data) information that is being sent over the Internet between your computer and Central National Bank, helping to ensure that the information remains confidential.

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