Personal BoD Conversion Book and Disclosure Packet

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