WELCOME TO BANK MIDWEST....you know about people, the more you work with them, the better you can serve them. We’re proud to have you as a new client of Bank Midwest and we look

WELCOME TO BANK MIDWEST.

LET US SHOW YOU HOW NICE CHANGE CAN BE.

A GUIDE TO YOUR NEW BANK

CONTENTS

Introduction ...................................................................1

What’s the point of this? ................................................. 2

We are here for you ........................................................ 3

A few things you’ll need to do ......................................... 4

Key dates and details ..................................................... 5

Checking accounts .....................................................6-7

Business checking accounts .........................................8-9

Savings and money market accounts .........................10-12

Certificates of deposit ...................................................13

Funds availability and FDIC insurance .............................13

Online and mobile features ...........................................14

Online banking .......................................................14-15

Online bill pay ..............................................................15

Mobile banking ........................................................... 16

TeleBank24, ATMs, and debit cards ................................17

Banking center and ATM locations ................................. 18

Consumer and business loans ...................................... 19

Overdraft protection ....................................................20

Additional products, services and information .................21

THIS IS NOT JUNK MAIL. WE PROMISE.

And you were tempted to ignore this guide. Thank goodness you didn’t, though. Because we

will make your financial transactions easier and better than ever. At Bank Midwest, we believe

that banks that serve a community should provide an accountable, straight-shooting and

insightful alternative to big box banking-as-usual. To us, it’s just common sense that the more

you know about people, the more you work with them, the better you can serve them. We’re

proud to have you as a new client of Bank Midwest and we look forward to providing you sound

common sense banking.

There are some things you need to know about how your products and services are going

to change and when they will change. Hence this guide.

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Actually, the point is you. More specifically, we want to provide you with an awesome, modern banking experience that makes more sense than ever. One that helps make your finances easy and seamless to manage. This guide includes tons of information. Here are a few of the things you need to know:

SO WHAT’S THE POINT OF THIS?

As of Monday, February 12, 2018, Peoples Bank will become Bank Midwest, a division of NBH Bank, and you will have access to over 45 banking centers across the Greater Kansas City area, eastern Kansas and northwest Missouri. Please note, your account will convert to a Bank Midwest account and your account terms will change.

Starting at 12pm CT on Monday, February 12, your new online banking will be ready to use at bankmw.com. For more information on accessing the system for the first time, and important information on when you will no longer be able to transact on the Peoples Bank system, please read the details on page 14 of this guide.

Bank Midwest offers a wide variety of additional electronic and digital banking services, including bank by phone, text and email alerts to protect against fraud, electronic loan statements, and a self-service portal for your convenience.

You can deposit checks, check balances, transfer funds and more on your mobile device with our Bankmw Mobile banking app, which will be available for your use on Monday, February 12 at 12pm CT. Be sure to download it in advance – you’ll be glad you did.

As part of the NBH Bank family, Bank Midwest clients have access to a large network of banking centers and ATMs across the Greater Kansas City area, eastern Kansas and northwest Missouri, and through our other divisional bank brands, Community Banks of Colorado in Colorado and Hillcrest Bank in New Mexico and Texas. For a complete list of locations visit us at bankmw.com/locations.

You can speak to a Client Services and Solutions Specialist from 7am – 8pm CT Monday through Friday and 8am – 4pm CT on Saturday. We will have special, extended hours the weekend of February 10 – 11 to assist you if you have any questions. Just give us a call at 800.867.2265 Saturday, February 10 from 8am – 6pm CT and Sunday, February 11 from 10am – 4pm CT.

Easy-to-read bank statements. Be sure to re-enroll in online statements at bankmw.com beginning Monday, February 12 to receive your statements electronically.

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Ways to reach us

Accessing Your Account

For your banking convenience, your account information is available to you in person, at ATMs, online, mobile or by giving us a call. You can also set up alerts through online banking and be alerted to activity through an email or text message.

In Person

As a Bank Midwest client, you will have access to over 45 banking centers across Kansas and Missouri to assist with your banking needs. See our locations listing on page 18 of this guide or visit bankmw.com to find the banking center nearest you.

At ATMs

Bank Midwest has a large network of deposit taking ATMs across Kansas and Missouri. As a Bank Midwest client, you will also have no-fee access to any of our Community Banks of Colorado ATMs and our Hillcrest Bank ATMs in New Mexico and Texas.

Online

Visit us at bankmw.com to access online banking as well as a host of features, including an enhanced location finder so you can find the location and the service you need and our Knowledge Center providing helpful tips from fraud prevention to starting a business.

Social

Start following us today to learn what Bank Midwest is doing in our communities. You can find us at:facebook.com/bankmw instagram.com/bankmw twitter.com/bank_mw

By Phone

Get the account information you need 24 hours a day, seven days a week, by calling TeleBank24, our automated account information line at 800.867.2265. Client Services and Solutions Specialists are available to assist you from 7am to 8pm CT, Monday through Friday, and 8am to 4pm CT on Saturday.

Connect and Follow

WE ARE HERE FOR YOU.We want to make this transition as smooth as possible and there are a number of ways to reach us. If you have questions, just let us know. We’ll be here every step of the way.

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Website

bankmw.comMobile Banking App

Bankmw MobileGive Us a Call

800.867.2265 /bankmw/bank_mw

Have Questions? We’re a call away.

NowPlease continue to call your

local Peoples banking center withany questions during regular

banking center business hours.

You can speak to a Client Services and Solutions Specialist from 7am – 8pm CT Monday through Friday and 8am – 4pm CT on Saturday at

800.867.2265We will have special, extended hours the weekend of February 10 – 11

to assist you if you have any questions: Saturday, February 10 from 8am – 6pm CT and Sunday, February 11 from 10am – 4pm CT.

In order to make the transition as painless as possible, there are a few features that require your attention right away. Namely, online banking, online bill pay and debit card.

A FEW THINGS YOU’LL NEED TO DO.

• You will not be able to complete transactions on the Peoples Bank online banking system after 4pm CT on Friday, February 9. Please print, download or save your previous Peoples Bank statements as they will no longer be available in your new Bank Midwest online banking system. You will have view-only access through Sunday, February 11 at 11:59pm CT. Transaction history from December 1 – February 9, 2018 will transfer over to your new online banking system.

• Your new Bank Midwest online banking system will be available at bankmw.com beginning 12pm CT on Monday, February 12. In the online banking login box, select “Personal Online” for personal accounts or “Small Business Online” for business accounts as your account type. Enter your User ID, which will remain the same, but will be case sensitive, in the User ID box. Do not click the first time user link.

• For security reasons, the first time password is the 6 characters previously communicated to you on page 4 in your mailed Welcome to Bank Midwest guide. Your User ID will remain the same, but will be case sensitive.

• Your phone numbers must be up-to-date on your account to complete your first login. You will be prompted to select where you want your one-time security code sent. We will call or text a code to the phone number you select. After you log in with your temporary password, you will be prompted to change the temporary password to a password of your choice.

ONLINE BANKING ACTION NEEDED

• You will not be able to complete bill payments on the Peoples Bank online banking system after 2:30pm CT on Friday, February 9. Any payments scheduled through February 9, will be processed as normal. Payments scheduled for February 10 or 11 will process February 12. Future scheduled payments will transfer over and payments scheduled for February 12 – 15 on the Peoples Bank system will process on February 15. On the new system, you may begin scheduling payments on February 12 with a payment date as early as February 15.

• Your payees will automatically be transferred to the new system.

• Your new online bill payment system will be available beginning 12pm CT on Monday, February 12, to start scheduling payments.

ONLINE BILL PAY ACTION NEEDED

• Your Peoples Bank Debit Mastercard® will be replaced with a new chip-enabled Bank Midwest Visa® Debit Card.

• Your new debit card will arrive in your mailbox the week of February 5. Your Peoples Bank card will stop working at 11:59pm CT on Sunday, February 11. Your new Bank Midwest debit card can be activated and used beginning at 11:59pm CT on Thursday, February 8.

• You will select your PIN when you call to activate your card. We will not send a PIN mailer.

• You will have access to over 125 no-fee ATMs in Colorado, Kansas, Missouri, New Mexico, and Texas. For a list of ATM locations, visit us at bankmw.com/locations.

DEBIT CARD ACTION NEEDED

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Please make sure your phone numbers are up-to-date with Peoples Bank by Monday, February 5 or you will not be able to access the new online banking system!

KEY DATES AND DETAILS

Below are important dates and details to remember asyou approach the system conversion February 9 – 12, 2018.

Download and/or print any Peoples Bank transactions or online statements before Friday, February 9.

To complete our system conversion, we will need to take the current Peoples Bank system offline beginning Friday, February 9 at 4pm CT.

Cutoff date for external transfers to be processed from Peoples Bank will be Friday, February 9.

We will process any payments scheduled through Peoples Bank online bill pay.

We will mail your final Peoples Bank statement. Statements will cover transactions through Friday, February 9.

Your new Bank Midwest Visa® Debit Card will arrive in the mail the week of February 5 and can be activated on Thursday, February 8 at 11:59pm CT.

DATE WHAT YOU NEED TO KNOW ADDITIONAL DETAILS

Weekof

February 5

Your account history from December 1 – February 9, 2018 will transfer to the new online banking system. Earlier history will not transfer, so it’s important to save your online statements.

Beginning Monday February 12, your transaction history will start to accumulate in Bank Midwest’s online and mobile banking.

Payments scheduled for February 10 or 11 will process February 12. Future scheduled payments will transfer over and payments scheduled for February 12 – 15 on the Peoples Bank system will process on February 15.

Future statements will be mailed until you enroll in Online Statements on the new system. You may receive two statements in February.

You can activate and start using your new card at 11:59pm CT on Thursday, February 8. Your Peoples Bank debit card will be turned off at 11:59pm CT on Sunday, February 11.

Your new bankmw.com online banking system will be available Monday, February 12, 2018 at 12pm CT.

Online bill pay will also be available at bankmw.com beginning Monday, February 12, 2018 at 12pm CT.

You can schedule your online banking transfers or Bank Midwest loan payments.

Sign up to receive your Bank Midwest statements electronically.

Download our new Bankmw mobile banking app from your app store.

Our banking centers will be open during normal business hours as Bank Midwest.

If you have a debit or ATM card tied to a savings account only, you will not receive a card in the mail. You will need to stop by any banking center to pick up your new card.

Weekof

February 12

Please see page 14 for instructions on how to log in.

Your payees will automatically be transferred to the new system.

Using your new bankmw.com online banking system, go to “Money Center” under “Transfer Funds.”

To complete enrollment in Online Statements, you will also need to open and accept the disclosures for Online Statements.You will need to enroll in online banking prior to activating your new Bankmw mobile banking app.

You can now bank at any of our more than 45 banking centers across Kansas and Missouri.

You will establish your PIN during the card activation call.

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CHECKING ACCOUNTSWe’ve selected the Bank Midwest account that was the most similar to the Peoples Bank account you have today.

All Bank Midwest checking accounts enjoy these free features:

• VISA® Debit Card: This card works like a check wherever you see the VISA® symbol. It doubles as your ATM card, too.

• Online Banking and Online Bill Pay at bankmw.com: View your latest account information, transfer funds between Bank Midwest accounts, view your account statements and pay bills at bankmw.com (see page 14 for more details).

• Bankmwmobilebanking: DownloadtheappforyouriPhone,iPad, Androidortabletfromyourappstore. Depositchecksthrough your mobile device with our free mobile check deposit tool.

• OnlineStatements: Reviewyourstatementonlinethedayitiscreatedinsteadofwaitingfordeliverybymail.

• ATMuse:YoucanmakeanunlimitednumberofwithdrawalsforfreeatanyBankMidwestATM.

• CheckImages:Westoreyourcanceledchecksforyouandmakehigh-qualityimagesofthemavailable,whetheryouhaveonline or paper statements.

While your bank routing number will change, you will be able to continue using your existing checks and deposit slips. You will not need to worry about using new checks until it is time for you to place a new check order, unless we communicate otherwise.

Your new debit card should arrive in your mailbox the week of February 5. Your Peoples Bank card will stop working at 11:59pm CT on Sunday, February 11. Your new Bank Midwest debit card can be activated and used beginning at 11:59pm CT on Thursday, February 8. For more details, please see page 17 of this guide. You will select your PIN when you call to activate your card. We will not send a PIN mailer.

Your direct deposit, automatic payments and transfers will be processed as they have in the past, but we recommend you change your routing number after February 12, 2018. Your new routing number will be 101006699.

The order that items display on your statement may change.

If you need to place a stop payment on a check, dollar range will no longer be an available option, but we will have several other options available.

The name, details, terms and features of your checking account have changed. Refer to the accompanying letter for your account’s new name and the enclosed Account Information booklet for more details on account terms and conditions and fees. We’ve selected the account type that best matches your current account at Peoples Bank. If you would like to change your account type, please contact your local banking center beginning February 12, 2018.

NEW CHANGE

Your new Bank Midwest account will be:

If your current Peoples Bank account is:

UnCommon Checking or Regular Checking

Personal Checking Account Details, Fees and BenefitsA great value, this account is easy to manage with impressive features and benefits.Below are a range of options to avoid a monthly service charge for Personal Checking: • Maintainan$800minimumdailybalanceperstatementcycle,or• Maintaina$1,600averagedailybalanceperstatementcycle,or• MakeVisa®debitcardpurchasestotaling$800ormore(excludingATMwithdrawals)perstatementcycle,or• Servicechargeiswaivedautomaticallyforthoseunder25yearsofage,or• DirectDepositsof$1,500perstatementcyclereducesthemonthlyservicechargeby$3.

If you are unable to take advantage of one of the above options, your service charge on this account is limited to $8 per month.



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1 Minimum average daily balances are required. 2 Ratediscountonautoloans,homeequityloans,homeequitylineofcreditunder$250,000,andrecreationalvehicleloanswhenyouautomaticallypayfromyourcheckingaccount.3RegularCDtermsonly.InterestrateincreaseswillbereviewedattherenewalofCD.Promotionsandspecialsarenoteligible. 4Checkscanbeorderedasneeded.Onlyoneboxofspecialtychecksperordercanbeorderedatnocharge.Receive40percentoffallotherstyles.Standardfeesapplyforadditionalboxes.

Chairman’s Checking

Premium Checking Account Details, Fees and Benefits

Premium Checking1 lets you enjoy our best discounts as well as unlimited out-of-network ATM usage, no origination fees on consumer loans2, and rate bumps on CDs. You can also enjoy:• Loandiscounts2

• FiveNSFsoroverdraftfeeswaivedperrolling12-monthperiod• Rateincreaseof0.15%onCDaccounts3

• UnlimitedCashiers’checksandFreeboxofspecialtychecks4

Below are a range of options to avoid a monthly service charge for Premium Checking: • Maintainanaveragedailybalanceof$25,000or• Maintain$25,000inqualifiedcombineddepositbalances1 across linked accounts per statement cycle or• Maintain$50,000incombinedbalancesandoutstandingbalancesonlinkedhomeequity,auto,personalline of credit, or first lien on a residential mortgage

If you are unable to take advantage of one of the above options, your service charge on this account is $25 per month.



UnBelievable Checking or Senior UnBelievable Checking

Interest Checking Account Details, Fees and Benefits

Earn interest on your funds while still being able to access them daily with your Visa® debit card and online banking.Below are a range of options to avoid a monthly service charge for Interest Checking: • Maintaina$1,000minimumdailybalanceperstatementcycle,or• Maintaina$2,000averagedailybalanceperstatementcycle,or• MakeVisa®debitcardpurchasestotaling$1,000ormore(excludingATMwithdrawals)perstatementcycle,or• Maintain$7,500inqualifiedcombineddepositbalances1 across linked accounts per statement cycle


Performance Checking Account Details, Fees and Benefits

Want to earn even more interest? This checking solution is perfect for you. With a split-tiered approach, your balance determines how much you earn.

Below are a range of options to avoid a monthly service charge for Performance Checking: • Maintaina$5,000minimumdailybalanceperstatementcycle,or• Maintaina$10,000averagedailybalanceperstatementcycle,or• MakeVisa®debitcardpurchasestotaling$5,000ormore(excludingATMwithdrawals)perstatementcycle,or• Maintain$15,000inqualifiedcombineddepositbalances1 across linked accounts per statement cycle


Additional Bank Midwest checking account:


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BUSINESS CHECKING ACCOUNTS We’ve selected the Bank Midwest account that was the most similar to the Peoples Bank account you have today.

As a business relationship client, you’ll get an insightful team of experts who remember your name, understand your business and treat you like you count. We offer our business clients services that make banking with us easier and more convenient. Features include:• Onlineandmobilebanking• Accesstoonlinestatementswithfront-sidecheckimages• Onlinebillpayservice

You now have even more business checking choices. Talk to your banker to learn more.

While your bank routing number will change, you will be able to continue using your existing checks and deposit slips. You will not need to worry about using new checks until it is time for you to place a new check order, unless we communicate otherwise.

Your new debit card will arrive in your mailbox the week of February 5. Your Peoples Bank card will stop working at 11:59pm CT on Sunday, February 11. Your new Bank Midwest debit card can be activated and used beginning at 11:59pm CT on Thursday, February 8. For more details, please see page 17 of this guide. You will select your PIN when you call to activate your card. We will not send a PIN mailer.

Your direct deposit, automatic payments and transfers will be processed as they have in the past, but we recommend you change your routing number after February 12, 2018. Your new routing number will be 101006699.

The order that items display on your statement may change.

If you need to place a stop payment on a check, dollar range will no longer be an available option, but we will have several other options available.

The name, details, terms and features of your checking account have changed. Refer to the accompanying letter for your account’s new name and the enclosed Account Information booklet for more details on account terms and conditions and fees. We’ve selected the account type that best matches your current account at Peoples Bank. If you would like to change your account type, please contact your local banking center beginning February 12, 2018.

NEW CHANGE


Small Business Checking, Ottawa Small Business Checking, Ottawa Commercial Per check,JCB Commercial Checking, UnCommon Checking (for business) or Commercial Freedom

Small Business Checking Account Details, Fees and BenefitsThis account is ideal for startup companies or nonprofit clients who want to manage cash flow on the go. Small Business Checking includes:• Upto150transactions/itemspermonth,includingelectronictransactions(ACH,wire,debitcard)1

• Monthlycashdepositandwithdrawallimitof$5,000permonth2

• BusinessVISA® debit and credit cards3 with optional spending limits• Optionalaccesstoremotedepositcapture3

Below are a range of options to avoid a monthly service charge for Small Business Checking: • Maintaina$1,000minimumdailybalanceperstatementcycle,or• Maintaina$2,000averagedailybalanceperstatementcycle,or• MakeVisa®debitcardpurchasestotaling$1,000ormore(excludingATMwithdrawals)perstatementcycle.


Additional Bank Midwest business checking accounts:





1Itemchargeforeachadditionaltransactionis$0.35.Additionaltransactionswillbeincludedintheservicechargecalculationeachstatementcycle.Transactionsincludepaper,debits,creditsanddeposited items. ACH and electronic transactions including VISA Business Debit Card transactions are counted in calculation of the monthly service charge. 2A$2.00feewillbeassessedforeachadditional$1,000cashdepositedandwithdrawneachmonth.3Subject to credit approval. Additional fees may apply. 4Qualifying deposits include business checking, savings, money market and certificates of deposit.

Business Performance Checking • Upto400transactions/itemspermonthincludingelectronictransactions(ACH,wire,debitcard)1• Monthlycashdepositandwithdrawallimitof$10,000permonth2

• BusinessVISA® debit and credit cards3 with optional spending limits• Optionalaccesstoremotedepositcaptureandonlinewire/ACHoriginationservices3

Below are a range of options to avoid a monthly service charge for Business Performance Checking: • Maintaina$2,500minimumdailybalanceperstatementcycle,or• Maintaina$5,000averagedailybalanceperstatementcycle,or• MakeVisa®debitcardpurchasestotaling$2,500ormore(excludingATMwithdrawals)perstatementcycle.


Business Premium Checking • Upto400transactions/itemspermonthincludingelectronictransactions(ACH,wire,debitcard)1• Monthlycashdepositandwithdrawallimitof$10,000permonth2


Below are a range of options to avoid a monthly service charge for Business Premium Checking: • Maintaina$25,000averagedailybalanceperstatementcycle,or• LinkBusinessPremiumRelationshipaccountsandmaintain$25,000inqualifiedcombineddepositbalances4 or$50,000inqualifieddepositsandoutstandingbalancesonalinkedsmallbusinessterm,lineofcreditor commercial real estate loan(s).


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Small Business with Interest Checking or UnBelievable Checking (for business)

Small Business Interest Checking Account Details, Fees and BenefitsThis account is an optimized, interest-earning solution for small businesses. Small Business Interest Checking includes:• Upto150transactions/itemspermonth,includingelectronictransactions(ACH,wire,debitcard)1• Monthlycashdepositandwithdrawallimitof$5,000permonth2


Below are a range of options to avoid a monthly service charge for Small Business Interest Checking: • Maintaina$1,200minimumdailybalanceperstatementcycle,or• Maintaina$2,400averagedailybalanceperstatementcycle,or• MakeVisa®debitcardpurchasestotaling$1,200ormore(excludingATMwithdrawals)perstatementcycle.


Commercial Regular Checking, Commercial Checking, OP Commercial Checking or Ottawa Commercial Checking

Business Checking Account Details, Fees and BenefitsRunyourbusinessonyourtermswithanaccountthatoffershighermonthlytransaction/itemlimits. Business Checking offers:• Upto400transactions/itemspermonth,includingelectronictransactions(ACH,wire,debitcard)1• Monthlycashdepositandwithdrawallimitof$10,000permonth2


Below are a range of options to avoid a monthly service charge for Business Checking: • Maintaina$2,000minimumdailybalanceperstatementcycle,or• Maintaina$4,000averagedailybalanceperstatementcycle,or• MakeVisa®debitcardpurchasestotaling$2,000ormore(excludingATMwithdrawals)perstatementcycle.


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Savings Account, Minor Savings Account, OP Regular Savings



Tiered Money Market (with a balance under $10,000 as of February 9, 2018)

SAVINGS AND MONEY MARKET ACCOUNTS NEW NAMES. GREAT BENEFITS.

Your routing number will change to 101006699. Your direct deposits, automatic payments and transfers will be processed as they have in the past, but we recommend you change your routing number after February 12, 2018 to 101006699.

The name, details, terms and features of your savings or money market account may have changed. Refer to the accompanying letter for your account’s new name and the enclosed Account Information booklet for more details on account terms and conditions and fees. We’ve selected the account type that best matches your current account at Peoples Bank. If you would like to change your account type, please contact your local banking center beginning February 12, 2018.

NEW CHANGE

The name and details of your Peoples Bank savings and money market account may be changing, but your first class client service and interest earning benefits won’t change at all.

Smart Savings Smart Savings is the perfect account to help you build up your personal savings. This interest-bearing account includes online banking, online or paper statements, and mobile banking with mobile check deposit.

Below are a range of options to avoid a monthly service charge for Smart Savings: • Maintaina$300minimumdailybalancepermonth,or• Maintaina$600averagedailybalancepermonth,or• Makedepositsandtransferstotaling$25eachmonth,or• Beunder25yearsofage.


Youwillalsobeallowedthree(3)debitseachmonthatnoadditionalcost.Additionaldebitsafterthree(3)are$1.00each.

Personal Money MarketEnjoy interest earning capabilities with the ability to write checks, use your debit card and utilize online and mobile bill pay.

Below are a range of options to avoid a monthly service charge for Personal Money Market: • Maintaina$2,500minimumdailybalanceperstatementcycle,or• Maintaina$5,000averagedailybalanceperstatementcycle


You will also be allowed six (6) pre-authorized debits or checks per calendar month at no additional cost.

Eachpre-authorizeddebitorcheckoverthesix(6)limitwillincurafeeof$15pertransaction.ATMwithdrawalsanddebitsmade in person at any banking center do not count toward this limit.



Tiered Money Market (with a balance over $10,000 as of February 9, 2018)



Health Savings Account

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Premium Money Market This tiered interest bearing account gives you the ability to grow your balances with access to many great features such as checks, debit card and online and mobile bill pay. This account has the following tiers:

• $0-$24,999.99• $25,000-$49,999.99• $50,000-$99,999.99

• $100,000-$249,999.99• $250,000-$999,999.99• $1,000,000andup

Call us or visit a banking center for current rates.

Below are a range of options to avoid a monthly service charge for Premium Money Market: • Maintaina$5,000minimumdailybalanceperstatementcycle,or• Maintaina$10,000averagedailybalanceperstatementcycle


You will also be allowed six (6) pre-authorized debits or checks per calendar month at no additional cost. Each pre-authorized debitorcheckoverthesix(6)limitwillincurafeeof$15pertransaction.ATMwithdrawalsanddebitsmadeinpersonatanybanking center do not count toward this limit.

Health Savings AccountThere will be no changes at this time to your account terms, however, please see the fee schedule in the enclosed Account Information booklet. You will receive a new Bank Midwest Health Savings Account debit card the week of February 5. Your new card can be activated and used beginning Thursday, February 8 at 11:59pm CT. Your PIN can be set when you call to activate the card. Your Peoples Bank Health Savings Account debit card will be turned off Sunday, February 11 at 11:59pm CT. Please ensure you have retained copies of your statements prior to February 9, 2018. Peoples Bank statements will not be available after February 9, 2018.

1A$2.00feewillbeassessedforeachadditional$1,000cashdepositedandwithdrawneachmonth.



Savings (for business)

Small Business Savings Account Details, Fees and Benefits• SmallBusinessSavingsfeaturesonlinebanking,onlinestatementsandmobilebanking• Monthlycashdepositandwithdrawallimitof$5,000permonth1

Below are a range of options to avoid a monthly service charge for Small Business Savings: • Maintaina$300minimumdailybalancepermonth,or• Maintaina$600averagedailybalancepermonth,or• Makedepositsandtransferstotaling$150eachmonth.


Youwillalsobeallowedthree(3)debitseachmonthatnoadditionalcost.Additionaldebitsafterthree(3)are$1.00each.



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Commercial Money Market Max or Money Market (for Business) (with a balance over $10,000 as of February 9, 2018)


Money Market (for Business) (with a balance under $10,000 as of February 9, 2018)

1A$2.00feewillbeassessedforeachadditional$1,000cashdepositedandwithdrawneachmonth.2Subject to credit approval. Additional fees may apply.

Small Business Money MarketEnjoy interest earning capabilities with the ability to write checks, use your debit card and utilize online and mobile bill pay.

Small Business Money Market includes:• Monthlycashdepositandwithdrawallimitof$5,000permonth1

• BusinessVISA® debit and credit cards2 with optional spending limits• Optionalaccesstoremotedepositcapture

Below are a range of options to avoid a monthly service charge for Small Business Money Market: • Maintaina$2,500minimumdailybalanceperstatementcycle,or• Maintaina$5,000averagedailybalanceperstatementcycle


You will also be allowed six (6) pre-authorized debits or checks per calendar month at no additional cost.

Eachpre-authorizeddebitorcheckoverthesix(6)limitwillincurafeeof$15pertransaction.ATMwithdrawalsanddebitsmade in person at any banking center do not count toward this limit.

Business Money MarketThis tiered interest bearing account gives you the ability to grow your balances with access to many great features such as checks, debit card and online and mobile bill pay. This account has the following tiers:

• $0-$24,999.99• $25,000-$49,999.99• $50,000-$99,999.99

• $100,000-$249,999.99• $250,000-$999,999.99• $1,000,000andup

Call us or visit a banking center for current rates.

Business Money Market includes:• Monthlycashdepositandwithdrawallimitof$5,000permonth1

• BusinessVISA® debit and credit cards2 with optional spending limits• Optionalaccesstoremotedepositcapture

Below are a range of options to avoid a monthly service charge for Business Money Market: • Maintaina$5,000minimumdailybalanceperstatementcycle,or• Maintaina$10,000averagedailybalanceperstatementcycle


You will also be allowed six (6) pre-authorized debits or checks per calendar month at no additional cost. Each pre-authorized debitorcheckoverthesix(6)limitwillincurafeeof$15pertransaction.ATMwithdrawalsanddebitsmadeinpersonatanybanking center do not count toward this limit.

CERTIFICATES OF DEPOSITWhen you open a new Bank Midwest Certificate of Deposit, you will earn a guaranteed return on your investment withaslittleas$500.Weofferavarietyofmaturityandinterestpaymentoptionstomeetyourinvestmentneeds.

When your Peoples Bank Certificates of Deposit reach maturity, they will renew as Bank Midwest Certificates of Deposit. Upon renewal, the penalty structure on early withdrawal will change to:

Certificates of DepositOpenyourCDwithaminimumof$500ormore,andyouwillbeabletoselecttermsasshortas91days.

• InterestiscompoundedtotheCDannuallyoratmaturity(whichevercomesfirst,uponfirstrenewal with Bank Midwest).

• Interestcanbepaidelectronicallytoanotherbankaccountmonthly,quarterly,semi-annually,annually,oratmaturity. However, interest cannot be paid by check on the new system.

• CDsautomaticallyrenewatmaturity.At renewal, we will no longer provide partial withdrawals.

•WealsoofferIRACertificatesofDepositof91daysorgreateraspartofyourinvestmentstrategy.Interest onIRACDsiscompoundedannuallyoratmaturity,whichevercomesfirst.

FUNDS AVAILABILITY AND FDIC INSURANCE

If you make a deposit on a business day we are open, we will consider that day to be the date of your deposit. In determining the availability of your deposits, every day is a business day, except Saturday, Sunday and Federal holidays. (See our Funds Availability Policy Disclosure for more details.)

You may request a same-day funds transfer up to 8pm CT Monday through Friday. To request a transfer, call 800.867.2265 and speak to a Client Services and Solutions Specialist.

FUNDS AVAILABILITY

Bank Midwest is a division of NBH Bank, Member FDIC. NBH Bank operates under multiple trade names in multiple states. Divisions of NBH Bank are not separately FDIC-insured banks. The FDIC coverage extended to deposit clients of all of the divisions of NBH Bank is that of one insured bank. Please contact your Personal Banker to assess your FDIC coverage and any needed actions to ensure that all of your deposits are within limits.

When the two insured banks merge, deposits from Peoples Bank are separately insured from existing deposits at NBH Bank for six months after January 1, 2018. This grace period gives you the opportunity to restructure your accounts, if necessary. CDs from Peoples Bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period.

FDIC INSURANCE

7days–181days:31daysofinterest182days–364days:90daysofinterest

12 months – 59 months: 180 days of interest60months–119months:365daysofinterest

NEW CHANGE

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ONLINE BANKING, ONLINE BILL PAY AND MOBILE BANKING YEP, YOU’LL REALLY LIKE THESE FEATURES AND BENEFITS.

Customizable design and search filters that make seeing and selecting the information most important to you easier than ever.

New easy-to-use mobile banking app with mobile check deposit, available for iPhone, iPad and Android devices.

Ability to easily transfer funds between Bank Midwest and other banks.

EasyonlinebankingnavigationusingQuickLinksandMoneyCenter.

Tracking and managing your spending and investments all in one place with our Personal Finance tool.

More self-serve options, such as the ability to change your own user ID, retrieve your password or update your contact information.

ActivateoffersfromselectmerchantsthroughMyRewardsinonlineandmobilebankingandyoucouldearnupto10%cashback, which we’ll deposit into your account by the end of the next statement cycle.

Set up custom alerts via email or text to help monitor for fraud, track debit card transactions, CD maturities, transfers and much more.

Online documents, such as statements and loan notifications, plus easy access to tax forms, such as 1099s. You will begin to accumulate up to 7 years of deposit statements once you enroll in online statements at Bankmw.com.

What you need to know

You will not be able to complete transactions on the Peoples Bank online banking system after 4pm CT on Friday, February 9. Please print, download or save your previous Peoples Bank statements as they will no longer be available in your new Bank Midwest online banking system. You will have view-only access through Sunday, February 11 at 11:59pm CT. Transaction history from December 1 – February 9, 2018 will transfer over to your new online banking system.

After 12pm CT on Monday, February 12, you will need to activate your account in our new online banking system at bankmw.com. You will also need to re-enroll in Online Statements to continue receiving your statements electronically. Please note the important information below regarding your first time login.

To enroll in your new online banking, go to bankmw.com. If you have a personal account, select the “Personal Online” option in the login box. If you have a business account, select the “Small Business Online” option.

Enter your User ID, which will remain the same, but will now be case sensitive, in the User ID box. Do not click the first time users link.

For security reasons, the first time you log in to online banking, you will be required to log in using a temporary password. The first time password is the 6 characters previously communicated to you on page 14 in your mailed Welcome to Bank Midwest guide.

Please make sure your phone numbers are up-to-date with Peoples Bank by Monday, February 5 or you will not be able to access the new online banking system!

ONLINE BANKING ACTION NEEDED

Your Peoples Bank online and mobile banking will convert to Bank Midwest online and mobile banking on Monday, February 12, 2018 at 12pm CT. Look for these new features at bankmw.com and on our mobile app, Bankmw Mobile.

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You will be prompted to select where you want your one-time security code sent. We will call or text a one-time security code to the phone number you selected. After you log in with your temporary password, you will be prompted to change the temporary password to a password of your choice.

Open and read the online disclosures and accept to enroll in Online Banking. To complete enrollment in Online Statements, you will also need to open and accept the disclosures for Online Statements.

Your alerts and nicknames will not convert to the new system, so you will need to re-establish your alerts and nicknames.

Take a moment to schedule your transfers or Peoples Bank loan payments on bankmw.com. Go to “Money Center” or “Transfer Funds.”

Remember,PeoplesBankonlinebankinghistoryfromDecember1–February 9, 2018 will transfer to your new online banking system.

You will not be able to complete bill payments on the Peoples Bank online banking system after 2:30pm CT on Friday, February 9. Any payments scheduled through February 9 will be processed as normal. Payments scheduled for February 10 or 11 will process February 12. Future scheduled payments will transfer over and payments scheduled for February 12 – 15 on the Peoples Bank system will process on February 15. On the new system, you may begin scheduling payments on February 12 with a payment date as early as February 15.

Your payees and scheduled payments you have set up will transfer to the new system.

Payments will be paid on the date selected in the new system.

If you use ACH Merchant, this service will no longer be available. However, you will be able to use our Pay People feature to pay your friends and family via text, email or PayPal, even if they don’t have an account with us! Please note, the charge for Pay People is $0.50 per transaction.

You will have up to 6 months of bill pay history through your new online bill pay at bankmw.com.

If you currently have eBills, you will need to schedule them with a payment date of no later than Friday, February 9 to be paid on the Peoples Bank system. You will need to re-establish your eBills on the new system and can start setting them up on Monday, February 12 with payment dates as early as February 15. If you have any eBills with payment dates of February 10 or later on the Peoples Bank system, they will not process.

Your new online bill payment system will be available beginning 12pm CT on Monday, February 12 to start scheduling payments.

You will not be able to complete transactions or view your account on the Peoples Bank mobile banking app after 4pm CT on Friday, February 9.

Before enjoying your new mobile banking app on Monday, February 12, you’ll first need to delete your Peoples Bank app and download Bankmw Mobile from your app store – available for iPhone, iPad, Android and tablet devices. You will need to enroll in online banking before enrolling in Bankmw Mobile. See the next page for available features.

MOBILE BANKING

ONLINE BILL PAY ACTION NEEDED

Trouble signing in?When signing in to online banking for the first time, if you don’t receive your

one-time security code, call 800.867.2265 and one of our Client Services and

Solutions Specialists will be available to assist you. Our specialists are available from

7am to 8pm CT on Monday through Friday, 8am to 4pm CT on Saturday.

You will need to re-enroll to receive online statements.Re-enrollingiseasy.SimplyclickontheAccountstab,clickontheOnlineDocuments

link and follow the prompts to add Online Documents. Please open, read and accept the disclosures presented to complete enrollment.

ACTION NEEDED

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BANKMW MOBILETHE FEATURES YOU WANT. ON THE GO.*

MORE TOOLSHelpful tips, our phone number,

our website-tools to help you with your needs.

FIND A LOCATION

Need to stop by a banking center? Find the one closest

to you!

PAY BILLSPay all of your bills using the account you set up through

Online Banking.

RECENT ACTIVITYSee your recent bill payments or mobile deposits.

SEND MONEY TO FRIENDS AND FAMILYUsing our Pay People feature, you can pay your friends and family via text, email or PayPal . . . even if they don’t have an account with us!

TRANSFER FUNDSTransfer funds from one of your Bank Midwest accounts to another Bank Midwest account.

CHECK BALANCESView all of your Bank Midwest accounts in one place.

MOBILE DEPOSIT

Deposit checks directly from your mobile device to the

account you choose.

*Your mobile carrier’s message and data rates may apply for mobile banking through your mobile device.

Download the Bankmw Mobile app from your app store on February 12!

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TELEBANK24, ATMS AND DEBIT CARDS WE JUST MADE ULTRA CONVENIENTMORE ULTRA AND MORE CONVENIENT.

To get started, call 800.867.2265. You will need to know your account number in order to get set up for TeleBank24. Please refer to your statement for your account number.

After 12pm CT Monday, February 12, you can access TeleBank24 by entering your account number using a temporary PIN.

The temporary PIN is the 4 characters previously communicated to you on page 17 in your mailed Welcome to Bank Midwest guide.

Once you are logged in, you will be prompted to choose a new PIN.

You can change your PIN anytime by selecting option 5 on the main menu.

TELEBANK24

Take advantage of Bank Midwest’s large network of over 125 no-fee ATMs in Colorado, Kansas, Missouri, New Mexico, and Texas. For a complete list of ATMs, visit us online at bankmw.com/locations. Non-bank owned ATMs will be subject to a foreign ATM fee of $2.50, unless your account waives that fee. The daily cash limit at ATMs will now be $500.

Runninglatetothebank?ManyofourATMsaredeposit-taking.Visitusatbankmw.com/locationstofinddeposit-taking ATMs in your area.

ATMS

During the week of February 5, you will receive your new Bank Midwest Visa® debit card in the mail. We will not send a PIN mailer. You will select your PIN when you activate your new card.

If you have a debit or ATM card tied only to a savings account, you will not receive a card in the mail. You will need to stop by any banking center to pick up your new card.

You will be able to use your Peoples Bank debit card to make purchases through February 11 at 11:59pm CT. Starting at 11:59pm CT on February 8, you can activate your new Bank Midwest debit card by calling our 24-hour card activation line at 866.392.9952. You will select your PIN during the account activation process. YoucanchangeyourPINatanyBankMidwestATMorbycalling866.392.9952.

DEBIT CARDS ACTION NEEDED

0123 0123 0123 012301/20

You will need to activate your new Visa® Debit Card.Your Peoples Bank debit card will be turned off Sunday, February 11 at 11:59pm CT. You will be able

to activate and start using your new Bank Midwest debit card beginning Thursday, February 8 at 11:59pm CT. You will set your PIN during the activation process.

Blue Springs, MO: 1100NW.SouthOuterRd.

Cameron, MO: 1304N.Walnut

Carrollton, MO: 1002 N. Highway 65

Chillicothe, MO: 345S.Washington

Edwardsville, KS: 110 S. 4th

Excelsior Springs, MO: 134N.CrownHill

201N.JesseJamesRd.

Gladstone, MO : 6425 N. Oak Trafficway

Grandview, MO: 1200 Main St.*

12500 S. 71 Highway

Independence, MO: 18301E.40Highway (40 Hwy. & S. 291 Hwy.)

Kansas City, KS: 3500RainbowBlvd.

4600 Shawnee Dr.

7804 State Ave. (78th & State Ave.)

Kansas City, MO: 1111 Main St., Town Pavilion

5800E.BannisterRd. Drive-thru Only

6249 Brookside Blvd.

6430N.Cosby Picture Hills Shopping Center

7904 Ward Parkway

Kirksville, MO: 1904 N. Baltimore

201 N. Elson

500 N. Baltimore* Inside Hy-Vee

510 S. Baltimore* LincolnSquareShoppingCenter

Lawrence, KS: 4831West6thSt.

3045IowaSt.

745 New Hampshire St.

Lee’s Summit, MO: 1205 Douglas St.

Lenexa, KS: 15040 W. 87th St.

Lexington, MO: 1211 Main

Liberty, MO: 1580N.ChurchRd.

950 Sutton Place (One Mile South of Hwy. 152 on Hwy. 291)

Louisburg, KS: 212 South Broadway Street

Maryville, MO: 1016 S. Main

402 N. Main

508 N. Main

Olathe, KS: 14735W.119thSt.

15970 S. Bradley Dr. (159th&Mur-Len)

2002 E. Santa Fe

Ottawa KS: 434SouthMainSt. P.O. Box 20

1506 South Main St.

Overland Park, KS: 11111 W. 95th St.

13270Metcalf

7579 West 151st St.

Raymore, MO: 931W.FoxwoodDr.

Richmond, MO: 200 N. Spartan Dr.

Rock Port, MO: 219 S. Main

Savannah, MO: 102 S. 71 Highway

Shawnee, KS: 13425ShawneeMissionParkway

St. Joseph, MO: 801N.36thSt.

*ATM only locations

Bank Midwest Mortgage Offices

Emporia, KS: 1512 W 6th Ave., Suite F

Kansas City, MO: 7211NW83StSuite310

Overland Park, KS: 13180MetcalfAve.

Salina, KS: 316W.CloudSt.

300S.Ninth,Suite102

BANKING CENTER AND ATM LOCATIONS

Beginning Monday, February 12, you will have access to over 45 Bank Midwest full-service banking centers.

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CONSUMER AND BUSINESS LOANS

The terms and conditions of your mortgage, consumer loan or line of credit, or business loan or line of credit will remain the same.

For residential real estate clients, partial payments will be reflected on your monthly statements as ‘Unapplied Funds’ and will not be credited to the loan balance until the full amount of the scheduled payment is received. Complete payments not made by the due date and any grace period in accordance with your note will incur late charges on the full payment amount past due.

If you have a revolving line of credit, all payments must be made in U.S. dollars and must be received by us consistent with any payment instructions provided on or with your periodic billing statement. If a payment is made consistent with our payment instructions but received after 5pm CT, Monday through Friday on a business day, we will apply your payment to your credit line on the next business day.

The bank name that will display on all credit bureau reporting will change from Peoples Bank to NBH Bank.

You will receive an escrow analysis from Peoples Bank from your last escrow analysis date through January 9, 2018. In addition, you will receive an escrow activity statement from January 10, 2018 through February 9, 2018. Please retain these statements for your personal records.

In January 2019, you will receive your annual escrow analysis from Bank Midwest, a division of NBH Bank, which will includeyouraccountactivityfromFebruary10,2018throughDecember31,2018.Youwillreceiveyourescrowanalysis annually each January thereafter.

You will receive a final Peoples Bank statement on your consumer revolving line of credit with activity through February 9, 2018.

You will receive a final Peoples Bank statement on your non-revolving mortgage loan for activity through February 9, 2018.

Our routing number will be 101006699 beginning February 12, 2018.If your payment is coming to us from an outside bank that you have set up by ACH, you will need to change the bank name to Bank Midwest, a division of NBH Bank, and the routing

number to 101006699 for the payment.

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OVERDRAFT PROTECTION

Bank Midwest offers several different options for overdraft protection. We have standard overdraft practices that come with our accounts. In addition, if an account meets our eligibility standards (based on the length of time your account has been opened, the type of activity, the type of account, your usage of the account), such account is eligible for the Overdraft Privilege Program. We also offer overdraft protection plans, such as a link to a savings account that will transfer funds to cover an overdraft, or an overdraft line of credit (subject to approval), which may be less expensive than the Overdraft Privilege Program. Please refer to the Overdraft Coverage Options Disclosure in the enclosed Account Information booklet for additional details about our overdraft coverage options.

Effective February 12, 2018, if you currently have Guest Protect on your account, it will be enrolled in the Overdraft Privilege Program, provided your account is an eligible checking account.* Please note that Overdraft Privilege will not be available on money market accounts and savings accounts. The overdraft limit is $500 for consumeraccountsopenmorethan30daysandlessthan2yearsold,and$750 for accounts opened for more than 2 years. Business accounts open more than 60 days in good standing have an overdraft limit of $1,000.

If you have Opted-In to the Guest Protect Overdraft Program or the Commercial Overdraft Program or the Commercial Guest Protect Overdraft Program at Peoples Bank and authorized the payment of overdrafts on your ATM and everyday debit card transactions, you will automatically be opted-in to Bank Midwest’s Extended Overdraft Privilege (if your account is eligible for the Overdraft Privilege Program). This means that we will continue to authorize and pay overdrafts on your ATM and everyday debit card transactions.

If you are enrolled in the Guest Protect Overdraft Program at Peoples Bank for checks, ACH payments,automatic bill payments, recurring debit card and other transactions made using your checking account, you will automatically be opted-in to Bank Midwest’s Standard Overdraft Privilege (if your account is eligible for Overdraft Privilege).

AnOverdraft/ReturnedItemFeeof$35willbechargedeachtimewepayanoverdraft.Thisisnochangefromthecurrent fee at Peoples Bank. There is a daily continuous overdraft fee of $5.00 that may apply if your account is overdrawn 5 consecutive business days or more instead of the $2.00 daily overdraft fee that is currently charged to your account beginning on the first day.Thereisadailylimitof$175onthetotalperitemoverdraftfees we will charge you for overdrawing your account. This is not a change from the limit with Peoples Bank. We will notchargeanoverdraftfeeifaconsumeraccountisoverdrawnby$5.00orless.Theseexceptionsdonotapplyto business accounts participating in the Overdraft Privilege Program. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and you will be subject to a $35 NSF fee.

If you have a consumer account, you may revoke your consent (Opt-Out) to the payment of overdrafts for ATM and everyday debit card transactions at any time. By choosing to Opt-Out, only checks or other transactions made using your checking account number such as ACH payments, automatic bill payments, and recurring debit card overdraft transactions will be paid. If you have a consumer account, you may also Opt-Out entirely from the Overdraft Privilege Program. To Opt-Out of any of these options, please contact a local banking center.

If you currently have a link to a checking, savings or money market account or a home equity line of credit that will transfer funds to cover an overdraft, you will continue to have this transfer functionality. There will be a $10 transfer fee that is assessed on the receiving account every time funds are transferred, which is an increase over the $5.00 current transfer fee.

*Eligible checking accounts include Personal Checking, Interest Checking, Performance Checking, Premium Checking, Small Business Checking, Small Business Interest Checking, Business Checking, Business Performance Checking, Business Premium Checking and Work Perks Checking.

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ADDITIONAL PRODUCTS, SERVICES AND INFORMATION

Consumer Loans: Bank Midwest offers a full suite of lending products and options including mortgages, home equity lines of credit, auto loans, personal loans, ready cash reserve and more. Just stop by any banking center to apply.

Mortgages: Enjoy the same great simplified mortgage process you’ve come to expect from Peoples Bank at Bank Midwest. Just stop by any banking center or Bank Midwest Mortgage office to apply.

Business Loans: We offer a wide selection of loans including fixed-term loans, lines of credit, real estate loans, and Visa® credit cards with SavingsEdge®,whichcansaveupto15%whenyouuseyourcardtomakepurchasesatparticipating merchants.1 We provide a quick turnaround on your loan application so you can get back to what matters most – your business.

Credit Cards: Whatever your unique needs are, we have the credit card that is just right for you. Whether you are looking for reward points, cash back, or an extended introductory offer, you can find it all right here at Bank Midwest. Finding the right card for you has never been easier.

MyRewards: Earn more, just for using your debit card! Activate offers from select merchants in online banking and you couldearnupto10%cashback,whichwe’lldepositrightintoyouraccountbytheendofthenextstatementcycle.

Identity Theft Protection: We want to help you keep your personal information protected, so we’ve teamed up with Deluxe Provent to offer ID Protect Plus. Through this service, you’ll be able to access your information via a secure dashboard online or through the mobile app.

Refer A Friend Program: When you refer a friend or family member to open and use a new Bank Midwest personal checkingaccount,youcouldgeta$50Visa®RewardCard,upto$500percalendaryear.Yourfriendcouldearna $50rewardcardtoo.Formoredetailsvisitbankmw.com/refer.

Foreign Currency Exchange: Requestyourforeigncurrencyeasilywithoneflatfee,regardlessoftheamountrequested and receive your currency the next business day.

Cash Advance: Bring in a valid Visa®, Mastercard® or Discover® card and your valid identification for an advance on your credit card. Applicable cash advance fees from your credit card provider will apply.

Direct Deposit: Funds are available the same day as the direct deposit.

Wire Transfers: Please visit any Bank Midwest banking center to send a wire. We will no longer accept the wire authorizations you have on file with Peoples Bank. Outgoing wires have a cut-off time of 4pm CT. Incoming wires have a cut-off time of 4:55pm CT to receive credit on that day. Please visit with your Personal Banker or call 800.867.2265 if you have any questions.

Gift Cards: Purchase Visa® gift cards at any Bank Midwest banking center. Fees may apply.

Bank by Mail: For clients who find it difficult to travel to a Bank Midwest location, we offer bank by mail. You may send yourdepositstoyourlocalbankingcenterorto:BankMidwest,P.O.Box26368,KansasCity,MO64196-6368.

Change of Address and Seasonal Addresses: You can request seasonal address changes each year, however we will no longer automatically set them for renewal each year. Addresses can be changed at any banking center, in online banking or by calling us at 800.867.2265 and speaking with a Client Services and Solutions Specialist. Please note, we do not hold mail at our banking centers.

Safe Deposit Box: You can protect your important documents and valuables that would be difficult or impossible to replace in a safe deposit box from Bank Midwest. Not all locations offer safe deposit boxes and size options vary by location. For rental costs, please see the enclosed Account Information booklet.

Congratulations, you got through the whole thing.