Personal BoD Conversion Book and Disclosure Packet

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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