Business BoD Conversion Book and Disclosure Packet

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

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