MidWestOne Trust Services

Simply better Trust Services

MidWest One .bank

The MidWest One Bank Wealth Story For over 80 years, we have helped individuals, families and institutions grow, manage and preserve their wealth. At MidWest One , we utilize our resources and community bank roots to deliver com- prehensive wealth management services that are tailored to your needs. Our professionals have earned long-term relationships by helping our customers and communi- ties succeed. The communities we serve are the inspiration of our organization, and the purpose behind our existence. That’s why customers like you are at the heart of everything we do. When you walk into any MidWest One location, you’ll probably see our mission statement displayed: “Take care of our customers and those who should be”. It is not only our mission, it’s who we are. Why MidWest One ? Using MidWest One Bank’s philosophy and expertise, you leverage the resources of an institutional investor with the benefits of fiduciary services and the client focus of trusted advisors. We believe these are the things that make a difference for our clients:

• Fiduciary • Fee structure • Wholistic advice

› Focus on planning › Communication › Team approach

• Disciplined investment process • Independent investment platform • Dynamic benchmarking

Community We believe the positive actions of each one of us contributes to the success of us all. While we started as a community bank in Iowa, we’ve since grown to 57 locations in Iowa, Minnesota, Wisconsin, Colorado and Florida. Visit us soon to experience for yourself how MidWest One is simply better banking!

We promise to make you our number One Priority!

Your MidWest One Team

Working together as One team

Your MidWest One team includes investment professionals, attorneys, bankers, and trust and estate administrators—all working together to create savvy solutions for you and your family. For many of our clients, our team members become like members of the family, providing guidance and comfort during times of change. Our commitment to you is to passionately pursue your financial objectives as if they were our own.

Justin Parker, JD, CFP® Vice President, Trust Manager

“When advising my clients, I stick to my unwavering belief to always acting in their best interests.”

With finance and law degrees, Justin is a Certified Financial Planner® and an experienced wealth planner with a demonstrated history of advising high net worth clients on wealth protection and transfer strategies.

Sean P. Wenham First Vice President, Regional Trust Manager

“I believe in bringing an adventurous spirit into everything I do and use daily practices to reinforce my core values which include fitness, nature, learning, authenticity, mindfulness, and acceptance.” Sean is a career wealth management professional with over 20 years of experience leading specialized teams to meet the unique financials needs of his clients. Sean believes the success of any professional relationship lies in sharing a clear understanding of values, goals, and objectives; and in engaging dialog supported by a systematic process for delivering personalized information and results.

Portfolio Management

Kong Herr Portfolio Manager

“I believe in bringing an adventurous spirit into everything I do and use daily practices to re- inforce my core values which include fitness, nature, learning, authenticity, mindfulness, and acceptance.

2-3 lines about Kong Herr

Dave Schultes Private Banker

“I believe in bringing an adventurous spirit into everything I do and use daily practices to re- inforce my core values which include fitness, nature, learning, authenticity, mindfulness, and acceptance.”

2-3 lines about Dave Schultes

Communication Is The Foundation Of Great Planning

We believe in creating and following a long-term plan. We base the frequency and type of com- munication on what works best for you. Our experience has shown us that the best long-term planning is achieved by collaborative problem-solving and dialogue because you, your family, your assets, your documents and your circumstances are always changing. That constant change should translate into actions taken within your plan such as account retitling, beneficiary desig- nations, account structure, risk tolerance, cash flow needs, etc. We can help you take necessary steps to ensure your plan reflects what you want by having regular updates and reviews.

A Team Approach with Specialized Services Together with other professionals, such as your CPA and personal attorney, we coordinate our specialized expertise and resources to customize solutions for your current situation and life goals:

Trust, Wealth and Estate Planning • Wealth and legacy protection • Charitable giving • Trusteed IRAs • Trust services • Estate planning and administration • Trust tax services • Real estate protection • Bill payment • Financial Power of Attorney

Risk Management • Life Insurance • Long-term care • Income stream planning

Private Banking • Lending solutions • Cash management • Concierge service

Investment Management • Individualized portfolios • Concentrated stock holding strategies • Multi-manager accounts • Due-diligence selection and review

Financial Planning • Asset allocation guidance • Cash flow analysis • Retirement planning • Education planning • Stock option analysis

• Institutional investments • Foundation investments

Investment Management • Individualized portfolios • Concentrated stock strategies • Multi-Manager accounts

Trust & Estate Planning • Estate plan development • Wealth protection/transfer • Fiduciary mgt. • Real estate property mgt.

Private Banking • Credit

• Cash mgt. • Mortgages

Client

Risk Management • Life insurance • Long-term care • Annuities

Financial Planning • Asset allocation • Cash flow analysis • Education planning

We put you at the center of everything we do.

We put you at the center of all that we do.

Wealth Planning

You don’t know what you don’t know. That’s why you want a trusted partner you can rely on.

Owning a business can create unique issues for estate planning and retirement. When the time comes, we will assist you with succession planning strategies to protect and enhance your wealth. We leverage our expert team to help you develop a plan that will achieve your goals. At MidWe- st One we combine sophisticated financial planning and disciplined investment management to create a custom solution for your specific needs.

What keeps you awake at night?

As your trusted partner, we’ll help you navigate and plan for unfolding life events: • Care for aging parents, special needs children or other family members • Simplify life to spend more time doing what you love • Have confidence in your plan for retirement • Create a legacy • Manage a farm, commercial real estate, or other real property • Plan for your family’s transfer of wealth • Eliminate the burden of administering an estate or trust • Ensure your spouse will have support with the financial side of things

• Avoid conflict among family with differing views • Find ways to make the biggest charitable impact

Wealth management knows no age

A good financial partner can: • Simplify and protect your accumulated assets • Take care of your finances to enable extended, care-free travel • Manage your investments on your behalf and provide a competitive cost structure

• Help you get an early start on the path to living life on your terms • Step into your shoes if something happens to you ( just in case)

We take care of our customers…and those who should be.

Our investment philosophy

Process drives investment success

Our portfolio development process is based on sound asset allocation research and combines multiple asset classes to develop a well-diversified, efficient core portfolio. We recognize that markets change, so our process allows for tactical shifts within each portfolio—within limits—to ensure short-termmarket views do not significantly alter a given risk level. Our security selection process focuses on companies that are selling at attractive valuations, and are also improving their economic margins, essentially ignoring market hype and quarterly noise. An investment process grounded in discipline keeps us focused on the keys to success and enables us to avoid chasing returns or trends.

Investment management is risk management

Diversification is the cornerstone of our portfolio management process, and it drives the decisions we make. Portfolios are built with exposure to multiple asset classes, many of which have low correlations with each other, thereby reducing the overall volatility of your portfolio. We believe in comparing our returns to the appropriate benchmarks which help us manage risk and make sure we are providing good value to our clients.

Investing is a long-term endeavor

Markets go up and down and investment styles go in and out of favor. Chasing the latest fad is a loser’s game. We believe that an investment process should be built on sound investment prin- ciples that can stand the test of time.

Active management can enhance returns and control risk

We believe that active management can be beneficial to reduce risk and potentially enhance re- turn versus a passive approach. As appropriate, we emphasize active managers for asset classes where efficient management is possible.

Costs matter

Though we emphasize active management, we do so with an eye on expenses. Over time, the cost of delivering an investment strategy matters. These include management costs, trading costs, and even the indirect cost of taxes paid on investment transactions. We utilize institutional funds and individual securities strategies to help control investment costs. We keep an eye on expense ratios, we don’t accept 12b1 fees, and we continuously look for ways to be cost efficient.

Wealth Management knows no age.

A Disciplined Approach Our investments process is designed to provide investors with comprehensive investment solu- tions that meet their goals and objectives. We build targeted portfolios across varying risk levels, implement them efficiently, and manage them according to their risk objective. You only need to worry about helping us define your goals and objectives‒we take care of the rest. Step One: Set objectives Gathering the Inputs: The most important step in the investing process is identifying and defining investment goals and objectives, risk tolerance, time horizon, and other personal con- siderations. With this information, we help you document your investment election and detail the investment strategy to be used for the ongoing management of your portfolio. Step Two: Develop asset allocation Building the Portfolio: Asset allocation is the practice of spreading risk across a range of invest- ment classes and management styles in order to balance the effect of any single aspect of the market. History has proven that proper asset allocation is the prime determinant of how your portfolio performs. Step Three: Implement the plan Building out specific strategies to include in your portfolio requires many considerations. We build a broad implementation plan that fits within the constraints of your asset allocation guidelines, and we ensure that the execution remains consistent with your stated objective and account circumstances. Step Four: Manage and monitor As the investment manager of your trusted assets, we perform multiple roles. We manage individual security strategies to save cost and improve efficiencies. We select and monitor outside managers when used in your portfolio. We coordinate all these pieces to bring a comprehensive investment solution that is tailored to your needs.

Our investment principles stand the test of time.

Our Investment Strategies

MAAP Series

• Aggressive Growth • Growth • Moderate Growth • Conservative Growth

Clients are able to access the experise of our investment teams through mutual fund portfolios designed to give investors core exposureto equity and fixed income asset classes. Funds are screened for cost, risk, performance, firm and managment style to create high quality portfolios.

• Conservative • Fixed Income

• Aggressive Growth • Growth • Moderate Growth • Conservative Growth

ETF Portfolios

Asset allocation strategies that utilize low cost ETF managers to create portfolios with equity and fixed income asset classes.

• Conservative • Fixed Income

MWO Managed Securities

• MWO Managed Equity • MWO Large Cap Value • MWO Muni Bond Strategy

Our experienced in-house investment managers create spe- cialized strategies using individual securities. This provides a very focused management approach and greater cost control.

MWO Custom Strategies

For large, more complex portfolios, we build custom strategies that combine components of our various strategies with other asset classes to target a specific risk profile. Portfolios are built with a core approach where equity and fixed income are the “anchor” for the strategy and other asset classes may be used to improve risk-adjusted returns.

You set your goals—we take care of the rest!

Your Trust Matters

Why MidWestOne?

Our clients tell us that what they most appreciate about doing business with us is that they know they can trust us to do what is right for them. We believe our strength is in our ability to be a good partner, to listen, and to understand that the path is based on where you want to go, and your unique objectives and challenges. We can provide options and solutions, but at the end of the day, it’s about helping you achieve your goals while having a good “sleep at night” factor. • Disciplined investment process • Investment performance with dynamic benchmarks • Competitive fee structure based on wholistic approach • Collaborative team approach • Committed partnership with you, your family, your business, and your trusted professionals

• Institutional share class pricing, active and index platforms • Robust due diligence, and actively managed portfolios

Trust us to do what’s right for you.