Personal BoD Conversion Book and Disclosure Packet

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