Personal BoD Conversion Book and Disclosure Packet

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.

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