Personal BoD Conversion Book and Disclosure Packet

Welcome to MidWest One Bank Your Guide to Personal Banking

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

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Contents

Our Mission

Welcome to MidWest One Bank! This is your guide topersonal products andservices tohelpyouprepare 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.

Take care of our customers and those who should be.

Our Vision

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

Our Values and Operating Principles

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

Contents Timeline & Checklist What you should know

3 4 4 5 9 9 9 9

Checks and checking

Account access and services

Certificates of Deposit and IRAs

Safe deposit box

Loans

Convenience services

Guide to MidWest One bank accounts

10-16

Consumer service fees

17

Locations

19-20

Commitment to customers and communities

21

Changes to Policies & Disclosures

22–25

• Privacy Policy • Electronic Funds Transfer • Funds Availability

1

Timeline and Checklist

Transition from 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 .

Thursday, March 7 or earlier

☐ Print your bill pay transaction history. This information will not be available after conversion.

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. ☐ Print a copy of your bill pay transactions and billers. ☐ Record any existing recurring transfers through online or mobile banking and any alerts you have set up. Existing recurring transfer and alerts will need to be set up again after your first log in. ☐ Continue using your Bank of Denver ATM or debit card. At the end of the day on March 8, 2024, 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. ☐ Remove the Bank of Denver app from your devices. ☐ Continue using your Bank of Denver ATM or debit card ☐ Continue using your Bank of Denver checks

3

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 andtermschangeswill beeffectiveMonday, 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, simplycall or stop in afterMarch11 .We’realwayshappy to visit with youabout thedifferent types of accountswe 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 19 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 10 to 16 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. If you did not receive a prior notification, your account numbers were not impacted.

4

Account Access and Services

Electronic Monitoring and Alerts

ATM and Debit Cards

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 or mobile 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.

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 accounts, and more. On Monday, March 11, you may log in on the MidWest One online banking system or through the MidWest One Bank app. We will transfer your username to the MidWest One system. When you first log in, enter your existing username from Bank of Denver. We will provide you with your temporary password closer to March 11. You’ll be prompted to set up a new password and accept the terms and conditions. Mobile Deposit: You will have access to mobile deposit which will enable you to deposit checks up to $5,000 daily. If you do not currently use online banking, please contact us for assistance with enrollment and setting up your account. Your Bank of Denver payees, payments, and transfer information will carry over to MidWest One Bank. Your bill payment history will not carry over to MidWest One Bank. If you would like your recent bill payment history, please contact us at 303.572.3600 before March 7. Please check your payee and payment information for accuracy when you log in for the first time on or after March 11. Online and Mobile Banking Bill Pay and Recurring Payments and Transfers

Electronic Statements

MidWest One offers online secure electronic state- ments 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.

Telephone Banking

You may continue to use the current Bank of Denver telephone banking service until March 8. When you call on or after March 11, call 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.

5

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.

6

Overdraft Services

Overdraft Protection Plans

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 item we pay into overdraft. For additional details please see Occasional Overdraft Protection Service Guidelines located in the enclosed disclosure packet. If enrolled in OOPS, Consumer Accounts may be eligible for Overdraft Flex, we will not charge a fee if your account is overdrawn by $50 or less and you’ve met the qualifying conditions: Meet the “good standing” criteria for OOPS. An account in good standing exhibits, but not limited to, the following characteristics: Account has been opened for thirty (30) days, Account has a positive balance at least once every thirty (30) days, Account is not subject to any legal or administrative order. Be enrolled in an eligible consumer checking account product. Receive a total of $500 in qualified direct deposits into the MidWest One Bank checking account in the previous 35 days. A “qualified direct deposit” is defined as a direct deposit by ACH transfer of payroll, pension, or government benefits from your employer or government agency. The recipient’s name associated with such deposits must match the name of the MidWest One Bank checking account holder. 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 item whether paid or returned unpaid.

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 Over draftProtection 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. 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 Cost: No cost Cost: No cost

7

Overdraft Services

Eligible*

Not Eligible

Products: • Power Checking • Free Checking • Relationship Checking • Connections Club Checking • Business Checking • Business Interest Checking • Private Banking Power Checking • Private Banking Checking • Private Banking Client • Non-Profit Checking (Non-Profit Corporation only) • Private Wealth Checking *We reserve the right to request accounts be maintained in good standing and to limit the number of accounts eligible to one household or 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

8

Certificates of Deposit and Convenience Services

Certificates of Deposit (CD) and Individual Retirement Account (IRA) Certificates of Deposit 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 the duration of the automatic renewal. You will have 10 calendar days after the maturity date to change the renewal term. Change to Early Withdrawal Penalty, Effective March 11, 2024 As of March 11, 2024, the amount of principal withdrawn before maturity will be subject to early withdrawal penalty using the stated interest rate on all new and renewed certificates as follows:

sold. The second entry will display MidWest One Bank as the bank name, with the loan number and details matching your existing Bank of Denver loan.

Credit Card

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

Convenience Services

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. Online Banking —Banking made easy! Manage your accounts, check balances and pay bills, anywhere or anytime. View your transactions, account history, check images and statements 24 hours a day. You can also transfer money between your accounts and make payments to your loan or line of credit. Mobile Banking with Mobile Deposit —Deposit checks, transfer funds, pay bills, view account balances or transaction history all from your mobile device. Text, browser, or app —we offer three convenient ways to choose how to use Mobile Banking. Message and data rates may apply. Person-to-Person Payments —Zelle® lets you send money to people you know. It’s a fast, safe, and easy way to send money in minutes. Bank Your Change™ —With every purchase on your debit card, the change is rounded up to the next dollar, and is placed in your savings account automatically. The average Bank Your Change™ user places $150 in their savings account each year. Enroll in Bank Your Change™ on or after March 11, 2024. Want to learn more? Visit us at midwestone.bank.

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

Safe Deposit Box

Please refer to the Safe Deposit Box Fees on page 18 for information about any changes to safe deposit box fees that will be effective March 11, 2024.

Loans

MidWest One will acquire all of Bank of Denver’s consumer 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. After conversion, your loan will display on your credit report twice. There will be an entry with the Bank of Denver name, which will indicate it was transferred or

9

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 and lifestyle. Please review the changes to policies and disclosures beginning on page 22 for additional account information effective at the close of business on March 8. 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 rate on your Bank of Denver deposit account will remain the same as of the conversion date of March 8, 2024. MidWest One checking and savings account rates are variable and subject to change.

Personal Checking Accounts Effective March 11, 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.

10

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 MidWestOne accounts:

Check Safekeep Old CK Safe Senior Original BOD Account Regency Account

Connections Club • Minimum Opening Deposit $1,000 • Minimum Balance of $1,000 daily or $10,000 combined relation- ship balance** to avoid $10 monthly service charge. • Five free withdrawals from Non-Bank ATMs each statement cycle. $2 per withdrawal after 5 • One box of bank branded checks per year or $6 discount • $18 discount on Safe Deposit Box • No fees for outgoing faxes, photocopies and teller’s checks • No initial set up fee for standard debit card • Paper statements (non-image or image) at no fee • Age 55 or above • Earn a tiered interest rate paid monthly on balances 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

See the enclosed disclosure packet for full Truth in Savings disclosure.

**Relationship balance includes consumer checking, savings, CDs, IRAs, as well as current balance on consumer loans. Residential real estate, demand deposit, and Fresh Start loans are excluded from relationship total. Relationship total is determined by adding average statement cycle balance on all depository accounts plus the current balance on personal loans.

11

Guide to MidWest One Bank Accounts

These Bank of Denver accounts

Will become these MidWest One accounts:

Relationship Checking

Check Safekeep NOW Employee NOW Account Estate NOW NOW Account Trust NOW

• Minimum Opening Deposit $1,000 • Minimum Balance of $1,000 daily or $25,000 relationship bal- ance** to avoid $10 monthly service charge. • No Excess withdrawal fees • Five free withdrawals from Non-Bank ATMs each statement cycle. $2 per withdrawal after 5 • No paper statement fee • Paper statement with check images available for $3 per statement • Earn a tiered interest rate paid monthly on balances 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.

See the enclosed disclosure packet for full Truth in Savings disclosure.

**Relationship balance includes consumer checking, savings, CDs IRA as well as current balance on consumer loans. Residential real estate, Fresh Start loans are excluded from relationship total. Relationship total is determined by adding average statement cycle balance on all depository accounts plus the current balance on personal loans.

12

Guide to MidWest One Bank Accounts

These Bank of Denver accounts

Will become this MidWest One account:

Check Safekeep Reg Dormant Checking Account E Checking Account E Employee Checking Account Employee Account Estate Regular Regular Account Special Emp Account Trust Account

Free Checking

• Minimum Opening Deposit $25 • No Minimum balance

• No Monthly service charge • No Excess withdrawal fee • A $2 ATM withdrawal fee will be assessed for each ATM transaction at any ATM not owned by MidWest One Bank • No initial set up or monthly fee for standard Debit card • Paper statement fee $3 per statement, no fee if enrolled in electron- ic statements. To allow for enrollment, the paper statement fee is waived for the first statement cycle.

See the enclosed disclosure packet for full Truth in Savings disclosure.

13

Guide to MidWest One Bank Accounts

These Bank of Denver accounts

Will become this MidWest One account:

Power Checking • Minimum Opening Deposit $25

Kasasa Checking Account

• In order to qualify for the Tier 1 (Power Interest Rate ) interest rate, you must meet the following Power Checking Reward qualification requirements for each qualification cycle; o Make at least fifteen debit card purchases post and clear (excludes ATM transactions). o Make at least one direct deposit, automatic debit from third party or bill payment transaction post and clear. o Enroll and receive electronic statements • For each statement cycle the electronic statement requirement is not met, a paper statement will be mailed and a Paper Statement fee (non-image or image) of $3 will be assessed per account, per statement. • You must also access online or mobile banking at least once every 180 days to have your online banking account and electronic statements active. If your online banking access becomes inactive, you will no longer have access to your electronic statements and you will be switched to paper statement delivery and assessed a Paper Statement fee (non-image or image) of $3 per account, per statement until your online banking access has been restored and electronic statements have been reestablished. • The “qualification cycle” is the same as the current statement cycle. The statement cycle ends on the fourth Wednesday of each month. • Power Checking Rate Information (Applies if Power Checking Rewards qualification requirements are met). o Tier 1-If your daily balance is $25,000 or less the Tier 1 interest rate will be paid on the entire balance o Tier 2-Interest will be paid for the portion of your daily balance that is greater than $25,000 at the Tier 2 interest rate o Base Interest Rate (Applies if Power Checking Rewards qualification requirements are not met) • Interest will be compounded monthly and will be credited each statement cycle. • If Power Checking Rewards qualifications requirements are met customers receive up to $15 in domestic ATM fees refunded for that qualification cycle. ATM surcharges greater than $4.99 are not automatically refunded and require the presentation of a receipt.

See the enclosed disclosure packet for full Truth in Savings disclosure.

14

Guide to MidWest One Bank Accounts

Personal 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:

Consumer Savings

Dormant Regular Savings E Savings Employee Savings

• Minimum Opening Deposit $100 • Minimum Balance of $100 daily • Monthly Service Charge of $2 if minimum balance requirement is 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 See the enclosed disclosure packet for full Truth in Savings disclo- sure. • Minimum Opening Deposit $1,000 • Minimum Balance of $1,000 daily • Monthly Service Charge of $8 if minimum balance requirement is not met. • Earn a tiered interest rate paid monthly on balances of: $0.00-$9,999.99 $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 $10,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99 Money Market

Regular Savings Glaziers Vac Fund

MMDA Personal Dormant MMDA Account

See the enclosed disclosure packet for full Truth in Savings disclosure.

15

Guide to MidWest One Bank Accounts

This Bank of Denver account:

Will become this MidWest One account:

Kasasa Savings Account

Power Savings

• Minimum Opening Deposit $100 • In order to qualify for the Tier 1 interest rate, you must meet the following Power Checking Reward qualification requirements for each qualification cycle noted on page 14. • The “qualification cycle” is the same as the current statement cycle. The statement cycle ends on the fourth Wednesday of each month. • Power Savings Rate Information (applies if Power Checking Rewards qualification requirements are met) o Tier 1-If your daily balance is $25,000 or less the Tier 1 interest rate will be paid on the entire balance o Tier 2-Interest will be paid for the portion of your daily balance that is greater than $25,000 at the Tier 2 interest rate o Base Interest Rate (Applies if Power Checking Rewards qualification requirements are not met) • Interest will be compounded monthly and will be credited each statement cycle.

See the enclosed disclosure packet for full Truth in Savings disclosure.

Dormant Minor Savings Minor Savings

ClubOne Savings

• Minimum opening deposit of $10 • No minimum balance required • Interest paid monthly • No monthly service charge • Must be 17 years of age or younger to qualify • No paper statement fee

16

Consumer Service Fee Schedule Effective January 2, 2024

Product/Service

Fee

Product/Service

Fee

IRA Withdrawals by check (1/year at no cost) Excess Contribution Maintenance Transaction Adjustment External Transfer Fee

Account Balancing Assistance ($25.00 minimum)

$25.00/hour*

$5.00 $25.00 $25.00 $25.00

Account Closing Negative Balance Closing Fee Initiated by Customer, within 90 days of opening Bill Pay Consumer Bill Pay Service Account to Account (A2A) Transfer Service

$25.00* $25.00*

Notary Service/Signature Guarantee (as available)

No Fee

No Fee $2.00/outbound transaction* $9.95* $14.95*

Overdraft Fee Per itemcreated by check, in-personwithdrawal, ATMwithdrawal, returned deposit items, or other electronicmeans; includes savings accounts. Maximumof $140.00 per day. An itemor 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 itemor transaction is presented. There will be no overdrafts charged on the following: daily account balances overdrawn by $5.00 or less; or transactions in the amount of $5.00 or less. Overdraft Fee Nonsufficient Funds (NSF) Fee $35.00/item $35.00/item

Same-Day Bill Payment Fee Overnight Check Fee

Checks Copy of Check

$1.00*

Check Cashing Checks payable to non-customers drawn on a customer’s business account Checks less than $500.00 Checks $500 or more

$3.00 $5.00

Photocopy, Printout, Fax Copy

$0.50/page*

Collection Items Incoming Domestic International - Provisional International - Final

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

Research ($25.00 minimum)

$25.00/hour*

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

Debit Cards & ATM Cards Standard Debit Card - initial setup One Card Initial Setup Fee Rush Order (Standard Card Only) Non-MidWest One ATM Usage Empty ATM Deposit Envelope Currency Conversion Fee Cross Border Fee

$25.00/item*

No Fee $10.00* $50.00* $2.00 $30.00

Varies by location $15.00 $25.00 $250.00 No Fee $3.00/statement* $5.00/statement* $5.00/statement* $5.00/occurrence*

1.00% of transaction 1.00% of transaction

$50.00

Escheatment (Iowa Only)

$20.00 + exchange rate

Foreign Currency Exchange

Stop Payment

$35.00/item*

$100.00

Garnishment/Levy

Teller’s Check (available to customers)

$5.00*

Health Savings Account (HSA) HSA Debit Card - initial setup Excess Contribution Maintenance/Transaction Adjustment External Transfer Fee

No Fee $25.00*

Unknown Address

$5.00/month*

Wire Transfer Domestic (incoming) International (incoming) Domestic (outgoing) International (outgoing)

$25.00*

$10.00* $15.00* $30.00* $50.00*

* Iowa state sales tax applies on accounts maintained at Iowa bank locations

17

Member FDIC

Safe Deposit Box

Only one discount will apply and cannot be combined with other o ers or bonuses. Connections Club Discount Connections Club customers are eligible for a $18 discount o‡ the annual rent. 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

X 10” X 10” x 10” X 10”

$135

10”

Applicable Fees

30 Day Past Due

$15 $25

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.

18 Revised 04/2019

Revised 04/2019 [FL, MN, WI]

MidWest One Bank | Member FDIC

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 Cedar Rapids 3600 1st Ave NE Suite 101 Cedar Rapids, IA 52402 319.206.9420 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

Muscatine Main

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

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

Dubuque South

300 East Second St. Muscatine, IA 52761 563.263.4221 Muscatine Westside

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 CNF Building 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

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

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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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Commitment to Customers and Communities

Commitment to Customers and Communities

To take care of our customers and those who should be: That has been themission 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 tomeet 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 inmind. 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 returnedmore than $800,000 to our communities in charitable contributions and provided hundreds of hours of volunteerism fromour 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 Colorado 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 wealthmanagement teamare 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. 21 The community-banking values MidWest One shares with Bank of Denver make this merger a

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

Changes to Policies and Disclosures

Privacy Policy changes for Bank of Denver will be effective on March 11, 2024. For a complete copy of MidWest One Bank’s Privacy Policy, please see enclosed disclosure packet or visit https://www.midwestone.bank/privacy-policy.

The following changes will be effective to your Electronic Funds Transfer agreement on Monday, March 11, 2024 Your rights and responsibilities–Electronic Funds Transfers Telebanc Transfers and Types of Transfers You may access your account by telephone at 800.832.9322 using your personal identification number, a touchtone phone, and your account numbers, to:

• Transfer funds from checking to checking • Transfer funds from checking to savings • Transfer funds from savings to checking • Transfer funds from savings to savings • Transfer funds from line of credit to checking • Transfer funds from line of credit to savings

• Make payments from checking to loan account(s) with us • Make payments from savings to loan account(s) with us • Get checking, savings, certificate of deposit, or loan account information

Personal Online Banking Transfers and Types of Transfers

You may access your account(s) by computer through the internet by logging on to our website at www.midwestone.bank and using your password and username, to:

• Transfer funds from checking to checking • Transfer funds from checking to savings • Transfer funds from savings to checking • Transfer funds from savings to savings • Transfer funds from line of credit to checking • Transfer funds from line of credit to savings • Make payments from checking to loan account(s) with us • Make payments from checking to third parties • Make payments from savings to loan account(s) with us • Get checking and savings account(s) information • Get certificate of deposit or loan account(s) information • Make up to $2,000 in transactions per day with a maximum of $5,000 in transactions in any 30-day period through Zelle® Payment Service (person-to-person)

For a complete copy of the Electronic Funds Policy, please refer to the enclosed disclosure packet or https://www.midwestone.bank/disclosures-and-forms

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Changes to Policies and Disclosures

Mobile Banking Transfers and Types of Transfers Youmay access your account(s) by downloading our mobile banking app and using your password and username, to: • Transfer funds from checking to checking • Transfer funds from checking to savings • Transfer funds from savings to checking • Transfer funds from savings to savings • Transfer funds from line of credit to checking • Transfer funds from line of credit to savings • Make payments from checking to loan account(s) with us • Make payments from checking to third parties • Make payments from savings to loan account(s) with us • Get checking, savings, certificate of deposit, or loan account(s) information • Make deposits to checking or savings account(s) • Make up to $2,000 in transactions per day with a maximum of $5,000 in transactions in any 30-day period through Zelle Payment Service (person-to-person) You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. Fees • We do not charge for direct deposits to any type of account • We do not charge for preauthorized payments from any type of account Documentation • Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 800.247.4418 to find out whether or not the deposit has been made • Periodic statements. You will get a monthly account statement from us for your checking and savings accounts You will get a monthly account statement from us for all other accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. Preauthorized Payments • Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Except as indicated elsewhere, we do not charge for these electronic fund transfers.

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Changes to Policies and Disclosures

Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give. Confidentiality We will disclose information to third parties about your account or the transfers you make: (1) where it is necessary for completing transfers; or (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (3) in order to comply with government agency or court orders; or (4) as explained in the Privacy Disclosure contained elsewhere in our communications. Error Resolution Notice In case of errors or questions about your electronic transfers, call or write us using the contact information below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.

MidWest One Bank P.O. Box 1700 Iowa City, IA 52244-1700 Phone: 800.247.4418 Business Days: Monday through Friday (excluding federal holidays) Additional Information

To report a lost or stolen check card after business hours call 800-383-8000 (Shazam®) or 800.247.4418 (MidWest One Service Center). Regarding ATM Receipt Message: Please note that if you have an overdraft line of credit or sweep account, this amount will not be included in your available balance; however, these funds will still be available to make purchases or ATM withdrawals. If you access your line of credit when making a purchase or ATM withdrawal, you will be subject to the terms and conditions (including fees and interest) noted in your agreement. Multiple Account Access Youmay attach ATM or debit cards up to three different checking accounts and up to three different savings accounts. Your “primary” checking account will be used for all debit card purchases. By attachingmultiple accounts to a card, you will be able to transfer funds between accounts with us at an ATM. It is your responsibility to define your accounts with us. 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 https://www.midwestone.bank/disclosures-and-forms

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Changes to Policies and Disclosures

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 make a deposit at an ATM (as applicable) before 6:00 p.m. CT on a business day we are open, we will con- sider 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 (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.

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MidWest One Bank Disclosure Packet

Table of Contents

Privacy Policy Terms & Conditions of Your Account Electronic Transfers : Your Rights and Responsibilities

Funds Availability Substitute Checks Truth In Savings COMMON FEATURES Please refer to our separate fee schedule for additional information about charges.

We reserve the right to require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit or demand deposit, or from any other savings account as defined by Regulation D. (The law allows us to reserve this right, but it is not our general policy to use it.)

Truth In Savings Account specific disclosures

Free Checking Account Power Checking Account Connections Club Account Relationship Checking Account Power Savings Account Consumer Savings Account

o o o o o o o o

Club One Account

Money Market Account

Occasional Overdraft Privilege Service Guidelines (OOPS)

Rev. 05/2023

WHAT DOES MIDWESTONE BANK DO WITH YOUR PERSONAL

FACTS

INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with

us. This information can include: } Social Security number

} Payment history } Credit history

} Income

} Account balances } Credit scores When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons MidWestOne Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does MidWestOne Bank Can you limit this sharing? share? Yes No For our everyday business purposes - such as to process your transactions, maintain your How?

account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes - to offer our products and services to you For joint marketing with other financial companies For our affiliates' everyday business purposes - information about your transactions and experiences For our affiliates' everyday business purposes - information about your creditworthiness For our affiliates to market to you

Yes

No

No

We don't share

No

We don't share

No

We don't share

For nonaffiliates to market to you

No

We don't share

Questions?

Call 800-247-4418 or go to https://www.MidWestOne.bank/contact-us

Privacy Model Disclosure

PRIV-MODEL 8/1/2010

- 2010 Wolters Kluwer Financial Services, Inc. All rights reserved.

2019.11/6215 202091467 Custom EPRV6215