WELCOME TO COMMUNITY BANKS OF COLORADO · Community Banks of Colorado offers a wide variety of additional electronic and digital banking services, including bank by phone, text and

WELCOME TO COMMUNITY BANKS OF COLORADOLET US SHOW YOU HOW NICE CHANGE CAN BE.

A GUIDE TO YOUR NEW BANK

BUSINESS

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 Community Banks of Colorado,

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 Community Banks of Colorado 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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CONTENTSWhat’s the point of this? ....................................................2We are here for you ..........................................................3A few things you’ll need to do ............................................4Key dates and details ........................................................5Business checking accounts .......................................... 6-8Savings and money market accounts ..............................9-11Funds availability and FDIC insurance ................................11Certificates of deposit ..................................................... 12Treasury management services ........................................ 12Business online banking, bill pay and mobile .................13-14TeleBank24, ATMs, and debit cards .................................. 15Business loans ............................................................... 16Overdraft protection ...................................................... 17Banking center and ATM locations ................................... 18

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 Community Banks of Colorado, a division of NBH Bank, and you will have access to 50 banking centers across the state of Colorado. Please note, your account will convert to a Community Banks of Colorado account and your account terms will change.

Starting at 8am MT on Monday, February 12, your new business online banking system will be ready to use at cobnks.com. Your Company Administrator will have access to a Preview Period to set up users beginning on Monday, January 29. For more information on accessing the new business online banking system, please read the details on page 13 of this guide.

Community Banks of Colorado 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.

If you use business mobile deposit, you can deposit checks on your mobile device with our Cobnks Business Mobile app beginning Monday, February 12.*

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

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If you need assistance, just give us a call. You can speak to a Treasury Management Client Services Specialist from 7am – 4:30pm MT, Monday through Friday at 877.877.0397.

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

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.

In Person

As a Community Banks of Colorado client, you will have access to 50 banking centers across the state of Colorado to assist with your banking needs. See our locations listing on page 18 of this guide or visit cobnks.com to find the banking center nearest you.

At ATMs

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

Online

Visit us at cobnks.com to access business 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 Community Banks of Colorado is doing in our communities. You can find us at:

facebook.com/cobnks instagram.com/cobnks twitter.com/cobnks

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 877.877.0395. Treasury Management Client Service Specialists are available to assist you from 7am to 4:30pm MT, Monday through Friday at 877.877.0397.

E-mail

Reach a Treasury Management Client Service Specialist by email at [email protected].

Bank by Mail

For clients who find it difficult to travel to a Community Banks of Colorado location, we offer bank by mail. You may send your deposits to your local banking center or to: Community Banks of Colorado, P.O. Box 26368, Kansas City, MO 64196-6368.

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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.

Have Questions? We’re a call away.You can speak to a Treasury Management Client Services Specialist from

7am – 4:30pm MT Monday through Friday at

877.877.0397

Connect and FollowWebsite

cobnks.comMobile Business Banking App

Cobnks Business Mobile

Treasury Management Client Services

877.877.0397 /cobnks

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.

• Your Peoples Bank Debit Mastercard® will be replaced with a new chip-enabled Community Banks of Colorado 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 MT on Sunday, February 11. Your new Community Banks of Colorado debit card can be activated and used beginning at 11:59pm MT on Thursday, February 8.

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

• PLEASE NOTE: Your new Community Banks of Colorado debit card will not include the Allpoint ATM network of surcharge-free ATMs. 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 cobnks.com/locations. Our foreign ATM fee for non-bank owned ATMs is $2.50, which includes ATMs in the Allpoint network.

DEBIT CARD ACTION NEEDED

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Beginning Monday, January 29, your Company Administrator will have limited access to the new system at cobnks.com. During this time, we encourage your Company Administrator to log in and add all additional and secondary users who will need access to Business Online. This preview period will last approximately two weeks, ending at 2pm MT on Friday, February 9, 2018. If you don’t know who your Company Administrator is, just give us a call at 877.877.0397.If your Company Administrator does not have the opportunity to access the system during the preview period, you will not have access to the new Business Online system on Monday, February 12. However, the Company Administrator will continue to have access and will be able to log in to the system on Monday, February 12, and set up all additional users.Here are a few things you’ll need to know about the conversion to our new system:• You will not be able to complete transactions on the Peoples Bank online banking system after 3pm MT on Friday,

February 9. Please print, download or save your previous Peoples Bank statements as they will no longer be available in your new Community Banks of Colorado online banking system. Deposit transaction history from December 1, 2017 – February 9, 2018 will transfer over to your new online banking system.

• Youraccountsandserviceswillbeaccessibleinournewsystemafter8amMTonMonday,February12.Loandatawillnotbeavailable in the new system until Tuesday, February 13.

• YouwillhaveaSingleSignOntoaccessBusinessOnline,CommercialRemoteDeposit,andBillPay.• Yournewmobilebankingapp,CobnksBusinessMobile,willincludecommercialmobiledeposit.Mobiledepositisonly

available to those businesses that currently have remote deposit services. Access to mobile banking and mobile deposit is an entitlement that is given out by the Company Administrator.

• ACH templates will not transfer to the new system. You will need to export/save your current templates. Our Treasury Management Client Services Specialists can assist you with importing the template into the new system during the Preview Period.

• OurACHcutofftimewillbe3:45pmMT.

• Wirecutofftimewillbe3pmMTforoutgoingand3:55pmMTforincoming.

ONLINE BANKING ACTION NEEDED

• You will not be able to complete bill payments on the Peoples Bank online banking system after 6am MT on Monday, February 5. Any payments scheduled through February 9, will be processed as normal. Any payments scheduled for February 15 or later carry over to the new system and process as normal. If you need to make a payment February 10 – 14, please use another form of payment or schedule the payment for February 9.

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

• Your new online bill payment system will be available beginning 8am MT on Monday, February 12 to start scheduling payments.

ONLINE BILL PAY ACTION NEEDED

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KEY DATES AND DETAILSBelow 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 3pm MT.

ACH templates will not be converting.

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 by Friday February 9.

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

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

DATE WHAT YOU NEED TO KNOW ADDITIONAL DETAILS

Weekof

February 5

Your account history from December 1, 2017 – 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 Community Banks of Colorado’s online and mobile banking. You will need to export/save your current templates so our Treasury Management Client Services Specialists can assist you with importing the template into the new system during the Preview Period.

Payments scheduled for February 10 – 14 will need to be scheduled for February 9 or paid through another form of payment.

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 MT on Thursday, February 8. Your Peoples Bank debit card will be turned off at 11:59pm MT on Sunday, February 11.

Your new cobnks.com online banking system will be available Monday, February 12, 2018 at 8am MT.

Online bill pay will also be available at cobnks.com beginning Monday, February 12, 2018 at 8am MT.

You can schedule your online banking transfers.

Your Company Administrator can sign up to receive your Community Banks of Colorado statements electronically.

Download the Cobnks Business Mobile Banking app from your app store.

Our banking centers will be open during normal business hours as Community Banks of Colorado.

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

If your Company Administrator did not activate your business online banking account during the preview period, they can log in at cobnks.com to activate in the new system.

Your payees will automatically be transferred to the new system.

To complete enrollment in Online Statements, you will also need to open and accept the disclosures for Online Statements.

Your Company Administrator will need to enable you to activate your new Cobnks Business mobile banking app.

You can now bank at any of our 50 banking centers across Colorado.

You will establish your PIN during the card activation call.

Your Company Administrator will receive an email with instructions to log in during our Preview Period beginning January 29, 2018. They will need to activate your new business online banking

account and set up users and alerts. If you have any questions, call 877.877.0397 to visit with one of our Treasury Management Client Services Specialists.

Your new Community Banks of Colorado account will be:

BUSINESS CHECKING ACCOUNTS We’ve selected the Community Banks of Colorado 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 MT on Sunday, February 11. Your new Community Banks of Colorado debit card can be activated and used beginning at 11:59pm MT on Thursday, February 8. For more details, please see page 15 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 102102013.

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

If your current Peoples Bank account is:

Value Business CheckingVenture Business Checking

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.

If you are unable to take advantage of one of the above options, your service charge on this account is $10 per month.

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1Item charge for each additional transaction is $0.35. Additional transactions will be included in the service charge calculation each statement cycle. Transactions include paper, debits, credits and deposited items. ACH and electronic transactions including VISA Business Debit Card transactions are counted in calculation of the monthly service charge. 2A $2.00 fee will be assessed for each additional $1,000 cash deposited and withdrawn each month.3Subject to credit approval. Additional fees may apply.

Additional Community Banks of Colorado business checking accounts:





1Item charge for each additional transaction is $0.35. Additional transactions will be included in the service charge calculation each statement cycle. Transactions include paper, debits, credits and deposited items. ACH and electronic transactions including VISA Business Debit Card transactions are counted in calculation of the monthly service charge. 2A $2.00 fee will be assessed for each additional $1,000 cash deposited and withdrawn each month.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$25,000inqualifiedcombineddeposit balances4or$50,000inqualifieddepositsandoutstandingbalancesonalinkedsmallbusinessterm,lineof creditorcommercialrealestateloan(s).


Advantage Checking

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.


Premier Business Checking

Business Checking Account Details, Fees and BenefitsRun your business on your terms with an account that offers higher monthly transaction/item limits. 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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Public Funds Venture Business Checking

Public Funds Checking Available to state or federal government agencies, local municipalities, and public agencies, Community Banks of Colorado Public Funds Checking is ideal for public entities seeking basic financial solutions. • Checkimagesareincludedwithyourmonthlystatements. • Upto200transactions/itemspermonthincludingchecks,depositsandelectronicdebitsandcredits and items deposited.1

• Monthlycashdepositandwithdrawallimitof$10,000permonth.2

• Anearningscredit,basedonmarketrates,iscalculatedoncollectedbalancesandappliedasareduction to monthly charges.• Additionalservicesareavailable;feesmayapply.

The service charge on this account is $12 per month.


Public Funds Advantage NOW or Public Funds Premier Checking

Public Funds Interest Checking Available to state or federal government agencies, local municipalities, and public agencies, this account is ideal for public entities seeking an interest-earning solution.• Checkimagesareincludedwithyourmonthlystatements. • Upto200transactions/itemspermonthincludingchecks,depositsandelectronicdebitsandcredits and items deposited.1

• Monthlycashdepositandwithdrawallimitof$10,000permonth.2

• Anearningscredit,basedonmarketrates,iscalculatedoncollectedbalancesandappliedasareduction to monthly charges. • Additionalservicesareavailable;feesmayapply.

The service charge on this account is $12 per month.



1Item charge for each additional transaction is $0.15.2A $2.00 fee will be assessed for each additional $1,000 cash deposited and withdrawn each month.

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SAVINGS AND MONEY MARKET ACCOUNTS NEW NAMES. GREAT BENEFITS.

Your routing number will change to 102102013. 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 102102013.

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.



Business Basic Savings, Growth Savings (Business Account)

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.



Business Peak Fund (with a balance under $10,000 as of February 9, 2018)

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

If you are unable to take advantage of one of the above options, your service charge on this account is $10 per month.Youwillalsobeallowedsix(6)pre-authorizeddebitsorcheckspercalendarmonthatnoadditionalcost.Eachpre-authorizeddebitorcheckoverthesix(6)limitwillincurafeeof$15pertransaction.ATMwithdrawalsanddebitsmade in person at any banking center do not count toward this limit.



Business Peak Fund (with a balance over $10,000 as of February 9, 2018)

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• $1,000,000 and up

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


Youwillalsobeallowedsix(6)pre-authorizeddebitsorcheckspercalendarmonthatnoadditionalcost.Eachpre-authorizeddebitorcheckoverthesix(6)limitwillincurafeeof$15pertransaction.ATMwithdrawalsanddebitsmadeinpersonatanybanking center do not count toward this limit.

1A $2.00 fee will be assessed for each additional $1,000 cash deposited and withdrawn each month.2Subject to credit approval. Additional fees may apply.

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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.)

Youmayrequestasame-dayfundstransferupto7:00pmMTMondaythroughFriday.Torequestatransfer,call 877.877.0395 and speak to a Client Services Specialist.

FUNDS AVAILABILITY

Community Banks of Colorado 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.

Whenthetwoinsuredbanksmerge,depositsfromPeoplesNationalBank(doingbusinessasPeoplesBank)areseparately 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 andinthesamedollaramount(eitherwithorwithoutaccruedinterest)continuetobeseparatelyinsureduntilthefirst 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

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Public Funds Savings or Public Funds Growth Savings

Public Funds SavingsAvailable to state or federal government agencies, local municipalities, and public agencies, this account makes it convenient to plan ahead and have cash on hand for unexpected expenses. • Thereisa$3.00servicechargeiftheminimumbalancedropsbelow $100.• Youwillbeallowedthree(3)debitseachmonthatnoadditionalcost.Additionaldebitsafterthree(3)are$1.00each.



Public Funds Colorado Peak Fund

Public Funds Money MarketEnjoyfundsliquidityandinterestearningcapabilities.TheCommunityBanksofColoradoPublicFundsMoneyMarketaccountrequiresnominimumbalancetoearninterestandhasnoper-itemfee. • Youmaymakesixwithdrawalspermonth. • Interestistieredonbalancesover$1,000. • Interestiscompoundedandpaidmonthly. • Thereisa$10servicechargeiftheminimumbalancedropsbelow $1,000.• Checkimagesareincludedwithyourmonthlystatement(s).


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CERTIFICATES OF DEPOSITWhen you open a new Community Banks of Colorado Certificate of Deposit, you will earn a guaranteed return on your investment with as little as $500. We offer a variety of maturity and interest payment options to meet your investment needs.

When your Peoples Bank Certificates of Deposit reach maturity, they will renew as Community Banks of Colorado Certificates of Deposit.Uponrenewal,thepenaltystructureonearlywithdrawalwillchangeto:

Certificates of DepositOpen your CD with a minimum of $500 or more, and you will be able to select terms as short as 91 days.

• InterestiscompoundedtotheCDannuallyoratmaturity(whichevercomesfirst,uponfirstrenewal withCommunityBanksofColorado).

• 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 on IRA CDs is compounded annually or at maturity, whichever comes first.

7 days – 181 days: 31 days of interest182 days – 364 days: 90 days of interest

12 months – 59 months: 180 days of interest60 months – 119 months: 365 days of interest

NEW CHANGE

TREASURY MANAGEMENT Community Banks of Colorado offers Treasury Management services to help you run your business more efficiently and more profitably. To see how these services can boost your back office, call Treasury Management Client Services at 877.877.0397, Monday through Friday from 7am to 4:30pm MT.

Our Remote Deposit option improves your business cash flow by allowing you to deposit checks without having to make a trip to the bank. Instead, you’ll be able to make deposits securely online, directly from your store or office. Funds deposited by 5pm MT will receive same-day ledger credit.

Lockbox services speed up receivables and collections processing by reducing float and mail processing times, helping businesses run more efficiently, and increasing cash flow.

Positive Pay helps strengthen security controls around check and ACH issuance and reduces fraud by eliminating unauthorized transactions from posting to your account. With Positive Pay, unauthorized transactions are intercepted to prevent loss. The service eliminates manual check sorting and is a convenient alternative to the dual-signature check writing process.

ACH Manager – You can save money and improve productivity with Community Banks of Colorado’s Automated Clearing House(ACH)Manager.ACHManagerhelpsstreamlinepaymentsandcollectionswithelectronicfundstransactions.

Wire Transfers are available exclusively online through Business Online Banking or by visiting your local banking center. Outgoing wires have a cut-off time of 3pm MT. Incoming wires have a cut-off time of 3:55 pm MT to receive credit on that day. Please contact Treasury Management Client Services at 877.877.0397 to update your wire authorizations, set up access to onlinewireservicesorrequestaforeigncurrencywire.

Card Services • Community Banks of Colorado offers Merchant Card programs tailored to meet business needs. You will be able to choose from a number of state-of-the-art electronic terminals and other solutions that will enable your business to set up deposit, transaction authorization and processing services for most major credit cards.

• Withourpurchasing card program, you can manage your employees’ expenditures for a variety of business-to-business goods and services.

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BUSINESS ONLINE BUSINESS MOBILE YEP. WE MADE THEM BETTER.

What you need to know

BUSINESS ONLINE ACTION NEEDED

Look for these new features:

Navigation and terminology The Business Online navigation has been streamlined, and the terminology has been enhanced to make the service easy to use.

Online help Improved online help includes frequently asked questions, a glossary of terms and step-by-step instructions for performing specific tasks.

NEW CHANGE

Business Online is a powerful solution, featuring a contemporary user interface that is easy to use. Enhanced features provide you even more control of your business, helping you save time and money.

You will not be able to complete transactions on the Peoples Bank online banking system after 3pm MT on Friday, February 9. Please print, download or save your previous Peoples Bank statements as they will no longer be available in your new Community Banks of Colorado online banking system. Transaction history from December 1, 2017 – February 9, 2018 will transfer over to your new online banking system.

You can start entering transactions through Business Online Banking at 8am MT on Monday, February 12. Your Company Administrator can set up company users during the preview period. If you did not set up your account during the preview period, you will need to log in to activate your online

banking account. Sign up to receive your statements electronically. As of February 12, account history and transaction images will begin to automatically build up to 18 months. The following items will not automatically transfer to Business Online Banking and can be set up again on

Monday, February 12: •Othercompanyuserprofilepermissions*

•Alerts* •Recurringandscheduledaccounttransfers •ACHTemplates

*These services also can be set up during the preview period, January 29 - February 9.

Your Company Administrator will receive an email with instructions on accessing and setting up users in the new system during a

Preview Period beginning Monday, January 29.

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BUSINESS MOBILE ACTION NEEDED

Cobnks Business Mobile apps are available for iPhone, iPad, Androids and tablets.

If you currently use mobile banking and have set up your online banking profile, your Company Administrator can enable business mobile banking through Business Online Banking.

To enroll online: Your Company Administrator can select the Manage Mobile Banking Settings link under Administration. After selecting Mobile Banking, they will be directed to the Mobile Banking Center. Even though these functions exist via the mobile banking center, you must finish the entitlement process from your mobile device.

To enroll using a mobile device: Once the Company Administrator has enabled you to use Business Mobile, you will be able to activate your mobile app directly on your phone.

If you haven’t been using business mobile banking, please contact your Company Administrator to enable the service.

On the morning of Monday, February 12, you can log in to online banking at cobnks.com. Please select the “Business Online” option on the Community Banks of Colorado home page login box to log in.

BusinessOnlineuserswillneedtoenteraCompanyID,UserID,andpasswordtologin.YourCompanyAdministratorwillreceiveyournewCompanyIDinaseparatecommunication.YourUserIDwillbethesameasyourcurrentUserID,unless we communicate otherwise. Forsecurityreasons,thefirsttimeyoulogintoBusinessOnline,youwillberequiredtologinusing a temporary password. We will email this information to your Company Administrator in late January from [email protected]. When accessing the system for the first time, 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.

HOW TO LOG IN TO BUSINESS ONLINE BANKING

For complete details on the new system, download our Business Online User Guide at cobnks.com/resources.

When trying to sign in to Business Online, if you don’t receive your new Company ID or one-time identification code, call 877.877.0397 and one of our Treasury Management Client Services

Specialists will be available to assist you from 7:00am to 4:30pm MT, Monday through Friday.

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

To get started, call 877.877.0395. 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 11am MT 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 15 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 Community Banks of Colorado’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 cobnks.com/locations. Please note: Community Banks of Colorado is not part of the Allpoint network of no-fee ATMs. 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.

Running late to the bank? Many of our ATMs are deposit-taking. Visit us at cobnks.com/locations to find deposit-taking ATMs in your area.

ATMs

During the week of February 5, you will receive your new Community Banks of Colorado 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 MT. Starting at 11:59pm MT on February 8, you can activate your new Community Banks of Colorado debit card by calling our 24-hour card activation line at 866.392.9952. You will select your PIN during the account activation process. You can change your PIN at any Community Banks of Colorado ATM or by calling 866.392.9952.

DEBIT CARDS ACTION NEEDED

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You will need to activate your new Visa® Debit Card.Your Peoples Bank debit card will be turned off Sunday, February 11 at 11:59 pm MT. You will be able to activate and start using your new Community Banks of Colorado debit card beginning Thursday,

February 8 at 11:59pm MT. You will set your PIN during the activation process.

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BUSINESS LOANS

Thetermsandconditionsofyourbusinessloanorlineofcreditwillremainthesame,exceptforOverdraftProtectionLineofCredit as outlined below.

Loan payment coupons will be phased out. You will begin receiving a billing statement instead. You may use either the billing remittance or your remaining loan coupons to send in with your payment.

Ifyouhavearevolvinglineofcredit,allpaymentsmustbemadeinU.S.dollarsandmustbereceivedbyusconsistentwithany payment instructions provided on or with your periodic billing statement. If a payment is made consistent with our payment instructions but received after 5pm MT, 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. Please retain this statement for your personal records. In addition, you will receive an escrow activity statement from January 10, 2018 through February 9, 2018.

In January 2019, you will receive your annual escrow analysis from Community Banks of Colorado, a division of NBH Bank, which will include your account activity from February 10, 2018 through December 31, 2018. You will receive your escrow analysis annually each January thereafter.

Overdraft Protection Line of Credit

IfyouhaveanOverdraftProtectionLineofCredit,effectiveFebruary12,2018:

Depending upon the date of your last statement, your February statement may have more or less than one month’s worth ofactivityandyoumayreceivetwostatementsinFebruary.AfterFebruary,subsequentstatementswillcontainonlyonemonth’s worth of activity.

The billing due date is 20 days after the date of the statement.

YouwillnotbeallowedtooverdrawyourrelatedcheckingaccountinordertomakeyourOverdraftProtectionLineofCreditpayment. If no payment is made, interest will continue to accrue on the full outstanding balance of your Overdraft Protection LineofCredit.

Our routing number will be 102102013 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 Community Banks of Colorado, a division of NBH Bank,

and the routing number to 102102013 for the payment.

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OVERDRAFT PROTECTION Community Banks of Colorado offers several different options for overdraft protection. We have standard overdraft

practicesthatcomewithouraccounts.Inaddition,ifanaccountmeetsoureligibilitystandards(basedonthelengthoftimeyouraccounthasbeenopened,thetypeofactivity,thetypeofaccount,yourusageoftheaccount),suchaccount is eligible for the Overdraft Privilege Program. We also offer overdraft protection plans, such as a link to asavingsaccountthatwilltransferfundstocoveranoverdraft,oranoverdraftlineofcredit(subjecttoapproval),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 have Overdraft Privilege Plus 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. Business accounts open more than 60 days in good standing have an overdraft limit of $1,000.

If you have Overdraft Privilege Plus on your account at Peoples Bank, you will automatically be opted-in to CommunityBanksofColorado’sExtendedOverdraftPrivilege(ifyouraccountiseligiblefortheOverdraftPrivilegeProgram).ThismeansthatwewillcontinuetoauthorizeandpayoverdraftsonyourATMandeverydaydebitcardtransactions at the amount listed above as well as checks, ACH payments,automatic bill payments, recurring debit card and other transactions made using your checking account.

An Overdraft/Returned Item Fee of $35 will be charged each time we pay an overdraft. This is a decrease over the $37 fee that is charged by 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 $3.50 daily overdraft fee that is currently charged to your account beginning on the first day. 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 currently have a link to a checking, savings or money market account that will transfer funds to cover an overdraft, you will continue to have this transfer functionality. There will continue to be a $10 transfer fee that is assessed on the receiving account every time funds are transferred.

If you have an overdraft line of credit associated with your checking account at Peoples Bank, the changes to your account are noted on page 16 of this guide.

*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.

Alamosa: 2061 Main St.

Antonito: 604 Main St.*

Arvada: 7530 Grandview Ave.

Aspen: 210 N. Mill St.

Aurora: 3095 South Parker Rd.

Avon: 70 W. Benchmark Rd., #101

Basalt: 255 Gold Rivers Ct., Suite #140

Bayfield: 301 N. Commerce Dr.

Boulder: 2045 Broadway

Buena Vista: 520USHighway24South

Colorado Springs: 19 N. Tejon, Suite 100

5175 N. Academy Blvd.

13725 Struthers Rd, Suite 200

Conifer: 25907 Conifer Rd.

Creede: 117 N. Main*

Crested Butte: 503 6th St.

Cripple Creek: 101 E. Warren

442 E. Bennett Ave.*

Del Norte: 595 Grand Ave.*

Denver: 277 Broadway, Suite C

3473 W. 32nd Ave.

7900 E. 1st Ave.

Dove Creek: 305 S. Guyrene

Durango: 1701 Main Ave.

707 Main Ave*

Eagle: 313 Chambers Ave., Suite A

Elizabeth: 120 South Elizabeth St.

Englewood: 3501 South Broadway

605 Englewood Parkway*

Evans: 3635 23rd Ave.

Ft. Collins: 1044 W. Drake Rd.

4532 Boardwalk Dr.

Glenwood Springs: 1810 Grand Ave.

Grand Junction: 100 Main St.

Greeley: 7251 West 20th St.

3780 W 10th St.

Greenwood Village: 7800 E. Orchard Road, Suite 220

Gunnison: 1100 N. Main St.

601 N. Adams*

Kiowa: 326 Comanche St.

La Jara: 501 Main St.

La Veta: 5519 W Highway 12*

Lake City: 231 Silver Street

Leadville: 400 Harrison Ave.

Monte Vista: 59 N. Broadway

Montrose: 330S.12St.,UnitB,Suite1

Monument: 1899 Woodmoor Dr.

Parker: 12907 South Parker Rd

18601 East Mainstreet

Platteville: 365 Justin Ave.

Pueblo: 121 W. City Center Dr.

Rifle: 680 Wapiti Ave.*

Rocky Ford: 201 N. Main St.

Salida: 7480 W. Hwy 50

San Luis: 513MainSt(insideCentralOil)*

South Fork: 29889USHwy160

Superior: One Superior Dr. (insideSportsStable)*

Telluride: 100W.ColoradoAve.,UnitC

Walsenburg: 501 Main St.

Windsor: 1270 Automation Dr

Woodland Park: 651 Scott Ave.

* ATM only location

Community Banks Mortgage Offices

111 Swift Gulch Road, Suite 202 Avon, CO 81620

6760 Corporate Dr, Suite 320 Colorado Springs, CO 80919

1155 Kelly Johnson Blvd, Suite 100 Colorado Springs, CO 80920

6809 Space Village Avenue Colorado Springs, CO 80915

5590 N Academy Blvd Colorado Springs, CO 80918

1479 Wynkoop St Denver, CO 80202

6025 S. Quebec, Suite 120 Englewood, CO 80111

825 Delaware Ave, Suite 100 Longmont,CO80501

19501 E. Main St, Suite 200 Parker, CO 80138

16165 N. 83rd Avenue, #200 Peoria, AZ 85382

7495 W Azure Dr, Suite 110 LasVegas,NV89130

8941 S. 700 East, Suite 102 Sandy,UT84070

3333 Camino Del Rio South, Suite 205 San Diego, CA 92108

BANKING CENTER AND ATM LOCATIONSBeginning Monday, February 12, you will have access to 50 Community Banks of Colorado full-service banking centers

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Documents

WELCOME TO COMMUNITY BANKS OF COLORADO · Community Banks of Colorado offers a wide variety of additional electronic and digital banking services, including bank by phone, text and