Business BoD Conversion Book and Disclosure Packet

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