Personal BoD Conversion Book and Disclosure Packet

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