Subject to the additional terms and conditions listed below, First National Bank (hereinafter referred to as "us" or "we") will make a credit decision within fifteen (15) days of a completed application (as determined by us) or we will refund $250*. Additionally, if the loan is approved, we will close the loan within the later of; thirty (30) days of the completed application, or by the contract date, as set out in the real estate purchase agreement (if the contract date is later than thirty (30) days from the completed application). If we do not close the loan before the later of the 30th day of receiving a completed application, or the contract date (as described above), we will refund $250*. Total refund shall not exceed $500.

To participate in First National Bank's Home Loan EXPRESS, you, the borrower, agree to deliver all Required Documents (as outlined on the Borrower Consent From) to us. The Required Documents must be within the possession of the appropriate Home Mortgage Specialist within 7 days of signing this document (due date provided below). If all required documents are not received by the Documents Due date we will attempt to close your loan within 30 days, but you will no longer be eligible for the guarantee or any of the applicable refunds.

• To qualify for any refund, borrower must close the loan with First National Bank.
• Applies to Conventional and FHA products and purchase applications only. Purchase property must be single family, detached, primary residence only.
• Eligible counties include: Sarpy, Douglas, Lancaster and Washington Counties in Nebraska, Pottawattamie County in Iowa and within the city limits of Fremont, Nebraska and Glenwood, Iowa.
• Home purchase contracts must be dated greater than 30 days out from date of loan application. Appraisal value (completed by a First National approved appraiser) must be equal or greater than contract sale price of home.
• Total refund not to exceed $500 and will be paid within 60 days after loan closes.
• Guarantee does not apply if:
1. Customer does not turn in required documents within the documented due date as provided on the Borrower Consent form or if delays in the credit decision and/or closing are caused by acts of an unaffiliated third party
2. Credit decision comes back as "incomplete", "not approved" or "counteroffer"
3. Missed closing date is due to inclement weather, a natural disaster, or any other events beyond the banks control including but not limited to changes in law and/or regulations
4. If loan product or term changes which require loan re-disclosure and / or mandated government waiting period delays closing date
5. If the closing date is moved for any reason at the request of any party of interest (other than First National Bank) or the closing does not occur due do the failure of any party (other than First National Bank) to fulfill any requirements and/or obligations before closing.