PSB-FTSB-Merger-Booklet

Welcome

WELCOME TO FARMERS TRUST & SAVINGS BANK We are excited to officially welcome you to Farmers Trust and Savings Bank, and we are grateful for the opportunity to serve you. While our name may be new, our commitment is not. Peoples State Bank of Wells and Farmers Trust and Savings Bank share deep roots in supporting local families, businesses, and the agricultural communities that make our area strong. On March 31st, 2026, Peoples State Bank of Wells officially became part of Farmers Trust and Savings Bank, and beginning April 1st, 2026, the Wells location began operating as FTSB. Although our name has changed, you will continue to see the same familiar faces and receive the same trusted service you rely on today. As we move closer to conversion, this booklet will help guide you through what to expect and help make the transition as easy as possible. Inside you will find important dates, learn how your existing Peoples State Bank of Wells accounts will be transitioned to Farmers Trust and Savings Bank, in addition to other important information. If there are questions you have that are not answered in this booklet, please stop by one of our locations or contact Farmers Trust and Savings Bank. We look forward to building on the strong relationships already established in the community and continuing to support the people, businesses, farms, and communities we serve.

Sincerely,

Doug Leland President and CEO Farmers Trust & Savings Bank

Updated BANKING HOURS LOBBY HOURS: MONDAY-FRIDAY 8:30AM – 3:30PM DRIVE-UP HOURS: MONDAY-THURSDAY 8:00AM – 4:00PM FRIDAY 8:00AM – 5:00PM

CARE FOR OUR CUSTOMERS – Deliver quality products and services in a friendly, professional matter. Look for areas of improvement to remain competitive and responsive to customer needs. Build and maintain long-term customer relationships. CARE FOR OUR EMPLOYEES – Commitment to an inclusive, safe, enjoyable place to work. Collaborate, support, and communicate with coworkers with respect and a cooperative attitude. Demonstrate honesty, accountability, and integrity. CARE FOR OUR COMMUNITIES – Be a responsible community citizen and leader. Positively impact our communities with support and service. CONTRIBUTE TO OUR SUCCESS – Encourage growth, initiative, and enthusiasm to work together for the mutual success of shareholders, employees, and customers. Contribute ideas and solutions. Lead by example. Do the right thing.

Core Values 1