Business BoD Conversion Book and Disclosure Packet

Welcome to MidWest One Bank Your Guide to Business Banking

Important information on the transition of your accounts to MidWest One Bank.

Equal Housing Lender | Member FDIC | 800.247.4418

Contents

Welcome to MidWest One Bank! Your guide tobusinessproducts andservices to helpyouprepare for the transitionof Bankof Denver toMidWest One BankonMarch11, 2024. Dates provided in this guide may be subject to change. We will notify you in the event of changes to key dates listed.

Contents Timeline and checklist What you should know

4 5 5 6

Checks and checking

Our Mission

Account access and services

Take care of our customers and those who should be..

Certificates of deposit

10 10 10

Our Vision

Loans

Convenience services

To be the preeminent relationship-driven community bank where our expertise and proactive approach generate meaningful impact for our stakeholders.

Treasury management services

11

Guide to MidWest One bank accounts

12–14

Our Values and Operating Principles

Business service fees

15 16

• Expertise: Learn constantly so we can continually improve • Integrity: Always conduct ourselves with the utmost integrity • Teamwork: Work as one team • Talent: Hire and retain excellent employees • Results: Generate impact for our stakeholders

Safe deposit box Fees

Commitment to customers and communities

17

Locations

18-19

Changes to policies and disclosures

20–21

• Funds Availability

Timeline and Checklist

Timeline and Checklist for Bank of Denver to MidWest One Bank

Please use this timeline and checklist, as well as other pages in this guide, to help you plan for your banking needs before and after March 11, 2024, when your accounts and services transition to MidWest One .

Before Friday, March 8 Please ensure your email address is correct with us so you can receive detailed communications related to your online and mobile banking services.

Online, mobile, and telephone banking will not be available during the weekend . ☐ Print your online transaction history if you desire ☐ Note your online banking username to make logging in easier on Monday ☐ Continue using your Bank of Denver or ATM debit card At the end of the day on Friday, March 8, a special conversion statement will be mailed for all checking and savings accounts. Interest will be paid, and account service charges will be waived.

Saturday, March 9 -- Sunday, March 10

Our offices will be closed to prepare for the conversion. Online, mobile, and telephone banking will not be available.

Monday, March 11

Our offices will open for regular hours.

Bank of Denver ATMs will be converted to MidWest One machines and may be unavailable for brief periods.

Full-service online and mobile banking will be available. ☐ Continue using your Bank of Denver ATM or debit card ☐ Continue using your Bank of Denver checks

4

What You Should Know

What You Should Know

Direct Deposit, ACH, and Automatic Payments

We are bringing two strong community banks together. This enables us to offer you the best of both banks. Any changes in account terms are specified in this guide. Account and terms changes will be effective Monday, March 11, 2024. MidWest One offers a variety of banking options and benefits. If you wish to change the type of account you presently have to a different MidWest One account, simply call or stop in after March 11. We’re always happy to visit with you about the different types of accounts we have available and to help you choose the best one for you. If you have questions, you may continue to call your local bank office. See a list of locations and phone numbers on page 16 of this guide. You may also visit https://www.thebankofdenver.com for answers to frequently asked questions. Thank you for trusting us to continue to serve your banking needs! You may continue to use your existing supply of Bank of Denver checks until they are gone. When it is time to reorder, please contact your local bank office or call our Service Center for assistance. If you order checks through another vendor, you must provide the new routing number 073901233 when you place your next order after March 11, 2024. Read pages 12 to 14 to view how Bank of Denver checking accounts will transition to new corresponding MidWest One Bank checking accounts. Checks and Checking

If you have direct deposit, ACH, or automatic payments set up on any of your accounts, they will continue to occur as previously established. If you set up new direct deposit, ACH, or automatic payments after March 11, 2024, use the new routing number 073901233.

The MidWest One routing number can also be found on MidWest One checks, as shown here. Some companies may require you to complete a new authorization form and provide them with a voided check when setting up new entries.

Account Numbers

In most cases checking account numbers will not change. A small number of accounts were identified as having a duplicate account number. To avoid compromising data privacy, we issued new account numbers as necessary. Customers affected by duplicate account numbers were previously notified individually. If you did not receive a prior notification, your account numbers were not impacted.

5

Account Access and Services

ATM and Debit Cards

Electronic Monitoring and Alerts

You may continue to use your current Bank of Denver Visa® ATM or debit card for the foreseeable future. Your card will be replaced with a MidWest One branded Mastercard® debit card at a future date. The standard debit card daily limits will change on March 11, 2024, to $750 ATM cash withdrawals and $5,000 for card purchases. The standard ATM card daily limits will change on March 11, 2024 to $310 for cash withdrawals. MidWest One ’s online and mobile banking enables you to pay your bills, deposit checks, check your balance at a glance, receive alerts, manage your books, and more. Online Banking: Your business online banking access will convert to MidWest One ’s Business Online Cash Manager service on March 11. More information will be provided to you prior to March 11 to assist you with logging in for the first time. Introducing Mobile Banking: After you’ve logged in on the website for the first time, download the MidWest One mobile banking app and login with your established username and password. You will have access to mobile deposit that will enable you to deposit checks up to $10,000 daily. If you do not currently use online banking, please contact us for assistance with enrollment and setting up your account. Business Bill Pay–New! MidWest One Offers Business Bill Pay to Business Online Cash Manager Customers free of charge. To enroll in Business Bill Pay after March 11, click on the Bill Pay Enrollment link within Business Online Cash Manager or contact your local office. Online and Mobile Banking

Our online and mobile banking services give you the opportunity to customize account alerts. After March 11, you will need to re-establish any alerts you had at Bank of Denver through MidWest One Bank online banking. You can be notified via email, text message, or both if your account balance ever falls below a particular threshold or for other important events on your account. This service is free however text and data rates may apply. MidWest One offers online secure electronic statements at no charge to you. By enrolling in electronic statements you will be able to view your statements faster, cut down on clutter, safeguard your private information, and “go green” by reducing waste. You may continue to use the current Bank of Denver telephone banking service until March 8. When you call on or after March 11, you will be redirected to the MidWest One Telebanc service at 1.800.832.9322. The first time you call on or after March 11, you will need to use the last four digits of your Social Security Number to access Telebanc. You will then be prompted to change the PIN to something of your own choice. Telephone Banking Electronic Statements

6

FDIC Insurance

FDIC Insurance

The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. Deposit accounts held at Bank of Denver prior to the merger with MidWest One will be separately insured by the FDIC until August 1, 2024 to give you an opportunity to restructure your accounts, should you choose to do so. This grace period is described in more detail below: • Checking, savings and money market accounts held at Bank of Denver will be insured separately by the FDIC up to applicable limits until August 1, 2024 . • Bank of Denver CDs dated prior to August 1, 2024, will be separately insured by the FDIC up to applicable limits until the first maturity date after August 1, 2024. CDs that mature during the six-month interim period and are renewed for the same term and in the same dollar amount, (either with or without accrued interest), continue to be separately insured until the first maturity date after August 1 2024. • CDs that are renewed on any other basis will be separately insured only until August 1, 2024. • Deposit accounts opened after August 1, 2024, may not be separately insured. • After August 1, 2024, accounts will continue to be insured up to applicable limits by the FDIC through MidWest One Bank.

7

Overdraft Services

Overdraft Protection Plans

On March 11, 2024, your account will be enrolled in OOPS if it meets the eligibility requirements for product type and ownership type listed on the next page. Consumer accounts will be enrolled in OOPS with an $800 limit and business accounts will be enrolled in OOPS with a $1,500 limit. You may choose to decline this service at any time. New accounts meeting product and ownership eligibility requirements opened on or after March 11, 2024, will automatically be enrolled into OOPS after the account has been open for 30 days. Cost: There is no cost to be enrolled in OOPS. We may charge an overdraft fee for any itemwe pay into overdraft. For additional details please see Occasional Overdraft Protection Service Guidelines located in the enclosed disclosure packet. Our fees will be added to any outstanding overdrafts you may have and will be applied against your OOPS limit. This service is offered at the discretion of MidWest One Bank and is a purely discretionary courtesy that we may provide for you. Your account will be charged the current fee for each itemwhether paid or returned unpaid. See the chart for eligible and non-eligible accounts on the next page.

You may choose one – or all – of the services below. If you select more than one option, the service will be activated in the numerical order you elect: 1. Existing automatic transfer from checking, savings, or money market accounts Transfers from checking or savings or money market accounts will be made in increments of $100 to cover each overdraft in your checking account. Debit card and ATM transactions will be authorized based on your available balance in your transfer account. 2. Existing automatic transfer from an eligible line of credit (subject to credit approval) Advances in increments of $100 on an eligible line of credit can be made to cover each overdraft on your checking account up to your credit limit. Debit card and ATM transactions will be authorized based on your available balance in your transfer account. Interest will be charged per your loan agreement on the outstanding balance on your line of credit. 3. Effective March 11, 2024 OOPS–Occasional Overdraft Protection Service (subject to qualifications) MidWest One Bank offers an Occasional Overdraft Privilege Service on specific account types. If your account qualifies for OOPS, we will consider, without obligation on our part, paying items for which your account has insufficient or unavailable funds, instead of automatically returning those items unpaid. Cost: $10 per transfer Cost: No cost

8

Overdraft Services

Eligible*

Not Eligible

Products: • Business Checking • Business Interest Checking • Non-Profit Checking (Non-Profit Corporation only) *We reserve the right to request accounts bemaintained in good standing and to limit the number of accounts eligible to one tax payer identification number.

Products: • Freedom Products • Money Market • Savings • Health Savings Accounts • Business or Analyzed Accounts not listed as eligible

Ownership: • Minors (individual and joint tenants) • Trusts • Representative payees • Conservatorships and guardianships • Estates • Political campaigns • Public funds • Charitable organizations • IOLTA and IRETA

9

Certificates of Deposit and Convenience Services

Certificates of Deposit (CD)

Convenience Services

MidWest One will honor the rates and terms on your CDs until they mature. At that time you will be able to renew at MidWest One ’s current rate. Once the CD matures, it may be subject to a new term and rate. You will receive a notice 10 days before your certificate renews which will state duration of the automatic renewal. You will have 10 calendar days after the maturity date to change the renewal term.

We offer an innovative suite of services designed to make banking easier and more convenient so you have more time for the things that you enjoy.

Mobile Banking

You have the power to access your financial accounts anywhere, anytime. All you need is your iPhone, iPad, or Android device to check balances, view transactions, approve pending ACH, wire and bill pay transactions, enable alerts for transactions awaiting your approval, transfer funds, and access business mobile deposit. Message and data rates may apply.

Early Withdrawal Penalty Effective March 11, 2024

The amount of principal withdrawn before maturity will be subject to early withdrawal penalty using the stated interest rate as follows:

Business Online Cash Manager

CD Term

Penalty

Less than 12 months 12 to less than 24 months 24 to less than 36 months 36 to less than 48 months 48 to less than 60 months 60 months and longer

3 months’ interest 6 months’ interest 9 months’ interest 12 months’ interest 18 months’ interest 24 months’ interest

Safelymanage your corporate accounts online. Easy, convenient and secure, you can pay bills, monitor accounts and transfer funds, track transactions, build dual verification practices, integratewithQuickBooks andmore.

QuickBooks®

Safe Deposit Box

Enhance efficiencies by integrating QuickBooks Online with Online Cash Manager.

Please refer to the Safe Deposit Box Fees on page 16 for information about any changes to safe deposit box fees that will be effective March 11, 2024.

Treasury Management Services

If you currently use any of the services listed on the next page, you will receive more information regarding these transitions in the coming weeks.

Loans

MidWest One will acquire all of Bank of Denver’s commercial loans and will service your loan accounts as usual. You should continue to make payments in accordance with the terms outlined on your original loan. Effective March 11, 2024, payments made to your loans will be applied in the following order: principal, interest, escrow, late charges, and collection expense.

Remote Deposit Capture*^

Remote deposit capture provides you with opportunities that will enhance cash flow and improve your processing efficiencies. It lets you deposit checks without ever leaving your business.

Credit Card

Merchant Processing^

MidWest One Bank partners with Fiserv Community Financial Institutions (CFI) to provide our merchant services program and offer you best-in-class service and solutions.

Your Bank of Denver credit card will remain with Card Assets, and you will be able to use your credit card without interruption.

10

Treasury Management Services

ACH Services*^

The Automated Clearing House (ACH) system is an electronic network that processes large volumes of credit and debit transactions in batches. Payments and transfers made between accounts, anywhere in the country, can be handled by the ACH system.

Positive Pay*

Positive pay provides an effective and practical business solution that helps you guard against check and/or ACH fraud. This service delivers protection on a daily basis against losses due to fraudulent payments and the presentation of unauthorized items to MidWest One Bank.

Sweep Account Solutions

Our sweep account solutions can maximize available funds for your investment and borrowing needs, saving you valuable time by cutting down on daily deposit management.

Wire Services*^

Our Online Cash Manager service gives you the ability to quickly and securely initiate wire transactions to a non-MidWest One Bank account. Online wires may be either domestic or international, both repetitive and non-repetitive. * Requires enrollment in Business Online Cash Manager ^ Product enrollment subject to credit approval

11

Guide to MidWest One Bank Accounts

The following pages describe how your current accounts will transition to MidWest One accounts at the close of business on Friday, March 8. Our goal has been to place your existing account at Bank of Denver into a comparable account at MidWest One . If you have questions, please contact us at 303.572.3600. If you decide you’d like to change to a new account on or after March 11, we’ll be happy to work with you to get you into the account best suited for your needs. Please review the changes to policies and disclosures beginning on page 20 for additional account information effective at the close of business on March 8, 2024. Features and benefits that were available with your Bank of Denver accounts and are not included in this guide may no longer be available. The rateonyour Bankof Denver deposit accountwill remain the sameas of the conversiondateofMarch8, 2024. MidWest One checkingand savings account rates are variableand subject tochange.

BusinessCheckingAccountsEffectiveMarch11, 2024

We have selected accounts that provide you with the same or similar benefits to the accounts you have today. You may continue to use your current checks. When you need to order new checks, simply contact us.

12

Guide to MidWest One Bank Accounts

If you prefer, you may select a different checking account after March 11, 2024. To change your account, please contact us at 303.572.3600 or stop by your local office.

These Bank of Denver accounts:

Will become these MidWest One accounts:

Business Corporation Business Non Profit Now Business Partnership Business Sole Proprietorship Dormant Business DDA Free Business Corporation Small Business Checking Public Funds

Business Checking/ Business Checking Public Funds

• Minimum Opening Deposit $100 • No minimum balance required • No monthly service charge • Non-bank ATM withdrawal fee of $2 • Paper statement fee of $5; no fee for secure eStatement • Image statement fee of $5 (if paper); no fee for secure eStatement with images • 100 debits, credits, and deposited items at no cost. • Transaction fees of $0.30 for each additional debit, credit, or deposited item in excess of activity limitations. • Minimum Opening Deposit $100 • Minimum Balance of $5,000 • Monthly Service Charge of $10 • Service charge only assessed if account falls below daily minimum balance of $5,000 • Interest compounded monthly and credited each monthly statement cycle • Earn a tiered interest rate paid monthly onbalances of: $0.00-$999.99 $1,000.00-$4,999.99 $5,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99 $100,000.00 and above • Non-bank ATM withdrawal fee of $2 • Paper statement fee of $5; no fee for secure eStatement • Image statement fee of $5 (if paper); no fee for secure eStatement with images • 200 debits, credits, and deposited items at no cost. • Transaction fees of $0.30 for each additional debit, credit, or deposited item in excess of activity limitations. $1,000.00-$4,999.99 $5,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99 $100,000.00 and above • Interest compounded monthly and credited each monthly statement cycle • Non-bank ATM withdrawal of $2 • Paper statement fee of $5; no fee for secure eStatement • Image statement fee of $5 (if paper); no fee for secure eStatement with images • 200 debits, credits, and deposited items at no cost. • Transaction fees of $0.30 for each additional debit, credit, or deposited item in excess of activity limitations. Business Interest Checking/ Business Interest Checking Public Funds Non-Profit Checking • Minimum Opening Deposit $100 • Earn a tiered interest rate paid monthly on balances of: $0.00-$999.99

Dormant NOW Account Independent Bankers NOW Public Funds NOW

CK Safe Bus Non-Prof Org Non-Profit

13

Guide to MidWest One Bank Accounts

These Bank of Denver accounts:

Will become this MidWest One account:

Business Corporation - Analysis Business NOW NonProf - Analysis Business Partnership - Analysis Non-Profit - Analysis Small Business - Analysis Trust Accounts - Analysis Business Sole Propri - Analysis

Business Analysis Checking • Minimum Opening Deposit $100 • Monthly service charge of $17 • Earnings credit is applied to offset service fees • Non-bank ATM withdrawal of $2 • Paper statement fee of $5; no fee for secure eStatement

• Image statement fee of $5 (if paper); no fee for secure eStatement with images • Transaction fees of $0.12 per deposited check; $0.20 per debit; $0.30 per credit; $0.10 per ACH credit or debit. • Reserve Requirement of 10% IOLTA • Minimum Opening Deposit: $0 • No minimum balance required • No monthly service charge or transaction fees • Free Paper Statement or eStatement • Interest compounded monthly and paid to the Colorado Lawyer Trust Account Foundation

Organization NOW

Business Savings Accounts Effective March 11, 2024 If you prefer, you may select a different savings account after March 11, 2024. To change your account, please contact us at 303.572.3600 or stop by your local office.

These Bank of Denver accounts:

Will become these MidWest One accounts:

Business Savings M

Business Savings • Minimum Opening Deposit $100 • Minimum Balance Required $100

• $3.00 monthly service charge assessed if $100.00 minimum balance not met • Interest compounded monthly and credited each monthly statement cycle • An activity service charge fee of $10 per statement cycle if more than six withdrawals • Non-bank ATM withdrawal of $2 • No paper statement fee

MMDA Non-Personal VIP Business MMDA

Business Money Market • Minimum Opening Deposit $2,500 • Minimum Balance of $2,500 • $10.00 monthly service charge assessed if $2,500 minimum balance requirement not met. • Earn a tiered interest rate paid monthly on balances of: $0.00-$9,999.99

$10,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99

$100,000.00-$249,999.99 $250,000.00 and above • Interest compounded monthly and credited each monthly statement cycle • An activity service charge fee of $10 per statement cycle if more than six withdrawals • Non-bank ATM withdrawal of $2 • Image statement fee of $5

14

Business Service Fee Schedule Effective: January 2, 2024

Product/Service

Fee

Product/Service

Fee

Overdraft Fee Per item created by check, in-person withdrawal, ATM withdrawal, returned deposit items, or other electronic means; includes savings accounts. An item or transaction that is returned and later represented to us may result in you incurring additional fees, such as multiple nonsufficient funds (NSF) fees each time that item or transaction is presented. Overdraft Fee Nonsufficient Funds (NSF) Fee

Account Balancing Assistance ($25.00 minimum)

$25.00/hour*

Account Closing Initiated by Customer, within 90 days of opening Negative Balance Closing Fee

$25.00* $25.00*

$35.00 $35.00 $10.00/transfer*

Branch Supplied Currency (waived if less than $5.00/month) Business Debit Card & ATM Card Initial Set Up Replacement Card Rush Order Non-MidWest One ATM Usage Empty ATM Deposit Envelope Currency Conversion Fee Cross Border Fee

$1.30 per $1,000*

Automatic Transfer Fee (transfer from a MidWest One deposit account to cover overdrafts in $100 increments)

No Fee No Fee $50.00* $2.00* $30.00

Photocopy, Printout, Fax Copy

$0.50/page*

Positive Pay

1st Account $35.00/mo* $35.00/mo* $0.05* addl. $0.05*

Each Addl. Acct.

ACH

$25.00/mo* $25.00/mo* $0.05* addl. $0.05*

1.00% of transaction 1.00% of transaction

Check Per issued item Per issued item-Payee Match

Business Mobile Banking 1 Deposited Item Fee

No Fee

Business Online Banking (OCM) Automated Clearing House (ACH) origination Return Item Fee

Remote Deposit Capture Research ($25.00 minimum) Returned Deposit Items Returned Item Fee International Collection Return Safe Deposit Box 30 Days Past Due Replacement Key Fee Drilling and New Lock/Key Fee Statements Electronic Statements Mail International Statement Paper Stmt (Non-image or image) Statement Copy Special Cutoff Request

$40.00/mo* $25.00/hour*

$5.00/file; $0.10/item* $5.00/item* $5.00/item*

Notification of Change (NOC) Online Wire Transfer (domestic) Online Wire Transfer (international) Same Day ACH

$25.00/transfer* $45.00/transfer* $1.25/item*

$8.00/item* $25.00/item*

Varies by location $15.00 $25.00 $250.00 No Fee $5.00/statement* $5.00/statement* $5.00/statement* $5.00/occurence*

Checks Copy of Check

$1.00*

Check Cashing checks payable to non-customers drawn on MidWest One Bank business accounts Checks less than $500.00 Checks $500 or more

$3.00 $5.00

Collection Items Incoming Domestic International - Provisional International - Final Continuous Overdraft Escheatment (Iowa Only) Foreign Currency Exchange

$30.00/item* $10.00/item* $50.00 + Cost/item*

Stop Payment

$35.00/item*

Sweep Services Zero Balance Account Line of Credit or Repurchase Priority

$25.00/month* $125.00/month* $150.00/month*

No Fee $50.00

$20.00 + Exchange Rate

Teller’s Check (available to customers)

$5.00*

Garnishment/Levy Lockbox (if available) Setup Fee Item Fee Monthly Fee Night Deposit Bags Zipper Bag Lock Bag

$100.00

Unknown Address

$5.00/month*

$75.00* $0.30/item* $125.00*

Wire Transfer Domestic (incoming) International (incoming) Domestic (outgoing) International (outgoing) Electronic Federal Tax Payment System request (EFTPS)

$10.00* $15.00* $30.00* $50.00* $50.00/request*

$5.00* $25.00* No Fee

Notary Service/Signature Guarantee (as available)

1 Message and data rates may apply *Iowa state sales tax applies on accounts maintained at Iowa bank locations

Member FDIC

Member FDIC | 15

Safe Deposit Box

Discounts Automatic Payment Discount Receive a $5 discount off your annual rent with automatic payment from a MidWest One Bank deposit account.

Box Size

Fee

Height

Width

2” 3” 3” 5” 6”

X 5” X 5”

$25 $35 $50 $70 $80

Only one discount will apply and cannot be combined with other offers or bonuses.

X 10” X 10” x 10” X 10”

Applicable Fees

30 Day Past Due

$15 $25

$135

10”

Replacement Key Fee

Drilling and New Lock/Key Fee

$250

No insurance provided on safe deposit box contents. Not all box sizes are available at all locations. Speak to a banker to verify availability.

Revised 04/2019 [FL, MN, WI]

MidWest One Bank | Member FDIC 16 | Member FDIC

Commitment to Customers and Communities

Commitment to Customers and Communities

To take care of our customers and those who should be: That has been the mission of MidWest One Bank since 1934 when family-owned Iowa State Bank & Trust Company was formed during the Great Depression in Iowa City. In the decades to follow, Iowa State Bank & Trust worked to meet customer needs through sound banking practices, conscientious employment, and philanthropic endeavors. In 2008, two additional Iowa family- owned banks joined Iowa State Bank to become MidWest One Bank. Today, Bank of Denver shares the same values that have been the hallmark of community banking at MidWest One Bank, and together we will continue to operate with these same principles in mind. The community-banking values MidWest One shares with Bank of Denver make this merger a complementary match. Our professionals are focused on ethical banking services, and on reinvesting our resources in the communities in which we do business. In 2022, MidWest One returned more than $800,000 to our communities in charitable contributions and provided hundreds of hours of volunteerism from our community-minded employees. Our employees remain our greatest strength. In 2022, for the tenth consecutive year, MidWest One ’s Iowa franchise was recognized as a “best workplace” by the Des Moines Register. Only 150 Iowa businesses receive this designation, which is awarded after an anonymous survey of our employees. Our financial services professionals are excited to expand our operations in Denver with enhanced services, a larger set of solutions, and a deeper team of banking experts. An expanded branch network, increased lending and deposit capacities, more digital options, and a larger wealth management team are examples of the value our combined companies will provide our customers and communities. We will be a larger company but continue our community banking values—investing in our customers, employees, and communities.

MidWestOne Financial Group, Inc. is a strong, stable, publicly traded community bank holding company traded on NASDAQ under the symbol MOFG.

17

Locations

Expanded Network of Branch Offices —As of March 11, 2024, MidWest One will have 58 locations serving East and Central Iowa, Western Wisconsin and Minnesota Twin Cities metropolitan area, Denver, and Southwest Florida.

IOWA Belle Plaine 802 13th St. P.O. Box 159 Belle Plaine, IA 52208 319.444.2842 Burlington 3225 Division St. P.O. Box 459 Burlington, IA 52601 319.754.6526 Cedar Falls 4510 Prairie Pkwy Cedar Falls, IA 50613 319.277.2500 Conrad 120 West Center St. Conrad, IA 50621 641.366.2165 Coralville 110 First Ave Coralville, IA 52241 319.356.5800 Dubuque Downtown 895 Main St. Dubuque, IA 52001 563.582.1841 Dubuque 9th & Locust 913 Locust St Dubuque, IA 52001 563.582.1846 Dubuque Asbury Rd 4730 Asbury Rd Dubuque, IA 52002 563.582.5556 Dubuque West 280 Kennedy Rd Dubuque, IA 52002 563.583.5751 Dubuque South 2600 Rockdale Rd Dubuque, IA 52003 563.583.5757

Dyersville Highway 136 1422 9th St. SE Dyersville, IA 52040 563.875.2492 Fairfield 100 E. Burlington Ave Fairfield, IA 52556 641.472.6511 Farley 400 First St.S Farley, IA 52046 563.744.3380 Fort Madison 926 Avenue G Fort Madison, IA 52627 319.372.3991 Iowa City Main Office 102 South Clinton St. P.O. Box 1700 Iowa City, IA 52240 319.356.5800 Iowa City OnePlace 500 South Clinton St. P.O. Box 1700 Iowa City, IA 52240 319.356.5800 Iowa City Keokuk St. 1906 Keokuk St. Iowa City, IA 52240 319.356.5800 Iowa City Rochester Ave 2233 Rochester Ave Iowa City, IA 52245 319.356.5800 Melbourne 202 Main St. P.O. Box 97 Melbourne, IA 50162 641.482.3105 Muscatine Main 300 East Second St. Muscatine, IA 52761 563.263.4221

Forest Lake 1650 Lake Street S P.O. Box 638 Forest Lake, MN 55025 651.464.2880 Golden Valley 945 Winnetka Ave N Golden Valley, MN 55427 763.545.9005 Minneapolis Lowry Hill 2120 Hennepin Ave S Minneapolis, MN 55405 612.767.5600 South St. Paul 930 Southview Blvd South St. Paul, MN 55075 651.451.2133 Stillwater 2270 Frontage Rd W Stillwater, MN 55082 651.439.3050 St. Michael 750 Central Ave E Suite 100 St. Michael, MN 55376 763.497.3114 White Bear Lake 3670 East County Line N White Bear Lake, MN 55110 651.426.2554

Sigourney 112 North Main St. P.O. Box 179 Sigourney, IA 52591 641.622.2381 Waterloo 3110 Kimball Ave Waterloo, IA 50702 319.232.5513 West Liberty 305 W Rainbow Dr. P.O. Box 145 West Liberty, IA 52776 319.627.2100 West Des Moines 515.274.0075 MINNESOTA Centerville 7111 21st Ave N Centerville, MN 55038 651.762.9440 Chisago City 11151 Lake Blvd P.O. Box 606 Chisago City, MN 55013 651.257.6561 Coon Rapids 3585 124 th Ave NW Coon Rapids, MN 55433 763.780.0484 Eden Prairie 6640 Shady Oak Rd Eden Prairie, MN 55344 952.944.6640 Elk River 18233 Carson Ct NW Elk River, MN 55330 763.274.3200 9350 University Ave, Ste 138 West Des Moines, IA 50266 515.283.3750 Windsor Heights 7204 University Ave Windsor Heights, IA 50324

Muscatine Westside

2017 Cedar Plaza Dr. Muscatine, IA 52761 563.263.2800 Muscatine Mississippi Dr. & Cedar St. Muscatine, IA 52761 563.262.4217 Muscatine Oakview North 3107 Hwy. 61 N. Muscatine, IA 52761 563.262.4218 North English 10030 Hwy 149 P.O. Box 280 North English, IA 52316 319.664.3311 North Liberty 465 Hwy 965 NE, Suite A North Liberty, IA 52317 319.356.5800 Oskaloosa First Ave 222 First Avenue E Oskaloosa, IA 52577 641.673.8303 Oskaloosa First St. 124 South First St. P.O. Box 90 Oskaloosa, IA 52577 641.673.8303 Parkersburg 1001 Hwy 57 P.O. Box 550 Parkersburg, IA 50665 319.346.1645 Pella Main Street 700 Main St., Suite 100 P.O. Box 64

Pella, IA 50219 641.628.4356 Pella Oskaloosa St 500 Oskaloosa St. Pella, IA 50219 641.628.4356

18

Locations

WISCONSIN Cuba City

COLORADO Denver

100 North Main St. Cuba City, WI 53807 608.744.2125 Fennimore 1055 Lincoln Ave Fennimore, WI 53809 608.822.7300 Hudson 404 County Road UU Hudson, WI 54016 715.377.7180 Lancaster 235 North Madison St. Lancaster, WI 53813 608.723.5678 Osceola 304 Cascade St. P.O. Box 188 Osceola, WI 54020 715.294.2183 Platteville 130 McGregor Plaza Platteville, WI 53818 608.348.4300 St. Croix Falls 2183 US Hwy 8 E St. Croix Falls, WI 54024 715.483.9800 FLORIDA Fort Myers 8690 Gladiolus Dr. Fort Myers, FL 33908 239.274.1900 Naples 4099 Tamiami Trail N Suite 100 Naples, FL 34103 239.430.2500

Uptown Branch 800 E. 17th Ave Denver, CO 80218 303-606-6182 Denver Leetsdale Branch 530 S Holly St Denver, CO 80246 303-606-4320 Denver Corporate Office 810 E. 17th Ave Denver, CO 80218 303-572-3600

Minneapolis/St.Paul

COLORADO OFFICE

Denver

Dubuque

FLORIDA OFFICES

Des Moines

Iowa City

Fort Myers Naples

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Changes to Policies and Disclosures

Funds Availability Policy changes for Bank of Denver Will Be Effective on March 11, 2024.

For a complete copy of MidWest One Bank’s Funds Availability Policy Disclosure see the full disclosure located in the enclosed Disclosure Packet or at www.midwestone.bank/disclosures-and-forms Your Ability to Withdraw Funds at MidWest One Bank For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 p.m. CT or branch closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. CT or branch closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Deposits at Automated Teller Machines (ATMs) If you made a deposit at an ATM (as applicable) before 6:00 p.m. CT on a business day we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 6:00 p.m. CT or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Funds from any deposit made at an ATM we do not own or operate will be made available on the second (2) business day after the day of your deposit. Some ATMs owned and operated by MidWest One Bank and located on bank premises do not accept deposits. Longer Delays May Apply Case-by-case delays. In some cases we will not make all of the funds that you deposit by check available to you on the first (1) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second (2) business day after the day of your deposit. The first $225 of your deposits, however, will be available on the first (1) business day. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, travelers, and federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9) business day after the day of your deposit. If your deposit of these checks

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Substitute Checks and Your Rights

(other than a U.S. Treasury check), is not made in person to one of our employees, the first $5,525 will not be available until the second (2) business day after the day of your deposit. Funds from all other check deposits will be available on the eleventh (11) business day after the day of your deposit. For the first $225 of your deposits, next day availability does not apply to new accounts. IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT Substitute Check and Your Rights

Bank of Denver March 11, 2024

How do I make a claim for a refund?

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at:

MidWest One Bank–Deposit Operations PO Box 1700 Iowa City IA 52244-1700 800.247.4418

You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claimmust include: • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check, and the amount of the check.

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