WELCOME TO HILLCREST BANK.

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1 WELCOME TO HILLCREST BANK. LET US SHOW YOU HOW NICE CHANGE CAN BE. A GUIDE TO YOUR NEW BANK

2 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 Business checking accounts Savings and money market accounts Certificates of deposit...13 Funds availability and FDIC insurance...13 Online and mobile features...14 Online banking Online bill pay...15 Mobile banking TeleBank24, ATMs, and debit cards...17 Banking center and ATM locations Consumer and business loans Overdraft protection...20 Additional products, services and information...21

3 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 Hillcrest Bank, 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 Hillcrest Bank 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. 1

4 SO WHAT S THE POINT OF THIS? 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: As of Monday, February 12, 2018, Peoples Bank will become Hillcrest Bank, a division of NBH Bank. Please note, your account will convert to a Hillcrest Bank account and your account terms will change. Starting at 11am MT on Monday, February 12, your new online banking will be ready to use at hillcrestbank.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. You can deposit checks, check balances, transfer funds and more on your mobile device with our Hillcrest Bank Mobile banking app, which will be available for your use on Monday, February 12 at 11am MT. Be sure to download it in advance you ll be glad you did. Hillcrest Bank offers a wide variety of additional electronic and digital banking services, including bank by phone, text and alerts to protect against fraud, electronic loan statements, and a self-service portal for your convenience As part of the NBH Bank family, Hillcrest Bank clients have access to a network of banking centers and ATMs in New Mexico and Texas and through our other divisional bank brands, Community Banks of Colorado in Colorado, and Bank Midwest in the Greater Kansas City area, eastern Kansas and northwest Missouri. For a complete list of locations visit us at hillcrestbank.com/locations. You can speak to a Client Services and Solutions Specialist from 7am 7pm MT Monday through Friday and 7am 3pm MT on Saturday. We will have special, extended hours the weekend of February to assist you if you have any questions. Just give us a call at Saturday, February 10 from 7am 5pm MT and Sunday, February 11 from 9am 3pm MT. Easy-to-read bank statements. Be sure to re-enroll in online statements at hillcrestbank.com beginning Monday, February 12 to receive your statements electronically. 2

5 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. Now Please continue to call your local Peoples banking center with any questions during regular banking center business hours. You can speak to a Client Services and Solutions Specialist from 7am 7pm MT Monday through Friday and 7am 3pm MT on Saturday at We will have special, extended hours the weekend of February to assist you if you have any questions: Saturday, February 10 from 7am 5pm MT and Sunday, February 11 from 9am 3pm MT. 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 or text message. In Person As a Hillcrest Bank client, you will have access to banking centers in New Mexico and Texas to assist with your banking needs. See our locations listing on page 18 of this guide or visit hillcrestbank.com to find the banking center nearest you. At ATMs Hillcrest Bank has a large network of deposit taking ATMs across New Mexico and Texas. As a Hillcrest Bank client, you will also have no-fee access to any of our Community Banks of Colorado ATMs and our Bank Midwest ATMs in Kansas and Missouri. Online Visit us at hillcrestbank.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 Hillcrest Bank is doing in our communities. You can find us at: facebook.com/hillcrestbank instagram.com/hillcrestbank twitter.com/hillcrest_bank 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 Client Services and Solutions Specialists are available to assist you from 7am to 7pm MT, Monday through Friday, and 7am to 3pm MT on Saturday. Website hillcrestbank.com Mobile Banking App Hillcrest Bank Mobile Give Us a Call Connect and Follow /hillcrestbank /hillcrest_bank 3

6 A FEW THINGS YOU LL NEED TO DO. 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. ONLINE BANKING ACTION NEEDED 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 Hillcrest Bank online banking system. You will have view-only access through Sunday, February 11 at 11:59pm MT. Transaction history from December 1 February 9, 2018 will transfer over to your new online banking system. Your new Hillcrest Bank online banking system will be available at hillcrestbank.com beginning 11am MT 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 Hillcrest Bank 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 BILL PAY ACTION NEEDED You will not be able to complete bill payments on the Peoples Bank online banking system after 1:30pm MT 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 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 11am MT on Monday, February 12, to start scheduling payments. 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! DEBIT CARD ACTION NEEDED Your Peoples Bank Debit Mastercard will be replaced with a new chip-enabled Hillcrest Bank 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 Hillcrest Bank 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. 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 hillcrestbank.com/locations. 4

7 KEY DATES AND DETAILS Below are important dates and details to remember as you approach the system conversion February 9 12, DATE WHAT YOU NEED TO KNOW ADDITIONAL DETAILS Week of February 5 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. 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 Hillcrest Bank 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. 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 Hillcrest Bank 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 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 MT on Thursday, February 8. Your Peoples Bank debit card will be turned off at 11:59pm MT on Sunday, February 11. Week of February 12 Your new hillcrestbank.com online banking system will be available Monday, February 12, 2018 at 11am MT. Online bill pay will also be available at hillcrestbank.com beginning Monday, February 12, 2018 at 11am MT. You can schedule your online banking transfers or Hillcrest Bank loan payments. Sign up to receive your Hillcrest Bank statements electronically. Download our new Hillcrest Bank mobile banking app from your app store. Our banking centers will be open during normal business hours as Hillcrest Bank. 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. Please see page 14 for instructions on how to log in. Your payees will automatically be transferred to the new system. Using your new hillcrestbank.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 Hillcrest Bank mobile banking app. You will establish your PIN during the card activation call. 5

8 CHECKING ACCOUNTS We ve selected the Hillcrest Bank account that was the most similar to the Peoples Bank account you have today. All Hillcrest Bank 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 hillcrestbank.com: View your latest account information, transfer funds between Hillcrest Bank accounts, view your account statements and pay bills at hillcrestbank.com (see page 14 for more details). Hillcrest Bank Mobile banking: Download the app for your iphone, ipad, Android or tablet from your app store. Deposit checks through your mobile device with our free mobile check deposit tool. Online Statements: Review your statement online the day it is created instead of waiting for delivery by mail. ATM use: You can make an unlimited number of withdrawals for free at any Hillcrest Bank ATM. Check Images: We store your canceled checks for you and make high-quality images of them available, whether you have online or paper statements. NEW CHANGE 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 MT on Sunday, February 11. Your new Hillcrest Bank debit card can be activated and used beginning at 11:59pm MT 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, Your new routing number will be 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, UnCommon Checking, Second Chance UnCommon Checking, Regular Checking or 55 Plus Checking Personal Checking Account Details, Fees and Benefits A 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: Maintain an $800 minimum daily balance per statement cycle, or Maintain a $1,600 average daily balance per statement cycle, or Make Visa debit card purchases totaling $800 or more (excluding ATM withdrawals) per statement cycle, or Service charge is waived automatically for those under 25 years of age, or Direct Deposits of $1,500 per statement cycle reduces the monthly service charge by $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. 6

9 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: Maintain a $1,000 minimum daily balance per statement cycle, or Maintain a $2,000 average daily balance per statement cycle, or Make Visa debit card purchases totaling $1,000 or more (excluding ATM withdrawals) per statement cycle, or Maintain $7,500 in qualified combined deposit balances 1 across linked accounts per statement cycle If you are unable to take advantage of one of the above options, your service charge on this account is $10 per month. Additional Hillcrest Bank checking account: 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: Maintain a $5,000 minimum daily balance per statement cycle, or Maintain a $10,000 average daily balance per statement cycle, or Make Visa debit card purchases totaling $5,000 or more (excluding ATM withdrawals) per statement cycle, or Maintain $15,000 in qualified combined deposit balances 1 across linked accounts per statement cycle If you are unable to take advantage of one of the above options, your service charge on this account is $20 per month. Chairman s Checking Premium Checking Account Details, Fees and Benefits Premium Checking 1 lets you enjoy our best discounts as well as unlimited out-of-network ATM usage, no origination fees on consumer loans 2, and rate bumps on CDs. You can also enjoy: Loan discounts 2 Five NSFs or overdraft fees waived per rolling 12-month period Rate increase of 0.15% on CD accounts 3 Unlimited Cashiers checks and Free box of specialty checks 4 Below are a range of options to avoid a monthly service charge for Premium Checking Maintain an average daily balance of $25,000 or Maintain $25,000 in qualified combined deposit balances 1 across linked accounts per statement cycle or Maintain $50,000 in combined balances and outstanding balances on linked home equity, auto, personal line 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. 1 Minimum average daily balances are required. 2 Rate discount on auto loans, home equity loans, home equity line of credit under $250,000, and recreational vehicle loans when you automatically pay from your checking account. 3 Regular CD terms only. Interest rate increases will be reviewed at the renewal of CD. Promotions and specials are not eligible. 4 Checks can be ordered as needed. Only one box of specialty checks per order can be ordered at no charge. Receive 40 percent off all other styles. Standard fees apply for additional boxes. 7

10 BUSINESS CHECKING ACCOUNTS We ve selected the Hillcrest Bank 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: Online and mobile banking Access to online statements with front-side check images Online bill pay service You now have even more business checking choices. Talk to your banker to learn more. NEW CHANGE 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 Hillcrest Bank debit card can be activated and used beginning at 11:59pm MT 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, Your new routing number will be 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, Small Business Checking UnCommon Checking (for business), or Commercial Freedom Small Business Checking Account Details, Fees and Benefits This account is ideal for startup companies or nonprofit clients who want to manage cash flow on the go. Small Business Checking includes: Up to 150 transactions/items per month, including electronic transactions (ACH, wire, debit card) 1 Monthly cash deposit and withdrawal limit of $5,000 per month 2 Business VISA debit and credit cards 3 with optional spending limits Optional access to remote deposit capture 3 Below are a range of options to avoid a monthly service charge for Small Business Checking: Maintain a $1,000 minimum daily balance per statement cycle, or Maintain a $2,000 average daily balance per statement cycle, or Make Visa debit card purchases totaling $1,000 or more (excluding ATM withdrawals) per statement cycle. If you are unable to take advantage of one of the above options, your service charge on this account is $10 per month. 8

11 Small Business with Interest Checking or UnBelievable Checking (for business) Small Business Interest Checking Account Details, Fees and Benefits This account is an optimized, interest-earning solution for small businesses. Small Business Interest Checking includes: Up to 150 transactions/items per month,including electronic transactions (ACH, wire, debit card) 1 Monthly cash deposit and withdrawal limit of $5,000 per month 2 Business VISA debit and credit cards 3 with optional spending limits Optional access to remote deposit capture and online wire/ach origination services 3 Below are a range of options to avoid a monthly service charge for Small Business Interest Checking: Maintain a $1,200 minimum daily balance per statement cycle, or Maintain a $2,400 average daily balance per statement cycle, or Make Visa debit card purchases totaling $1,200 or more (excluding ATM withdrawals) per statement cycle. If you are unable to take advantage of one of the above options, your service charge on this account is $12 per month. Commercial Regular Checking, Commercial Checking, NM Commercial Checking, or Albuquerque Business Checking Business Checking Account Details, Fees and Benefits Run your business on your terms with an account that offers higher monthly transaction/item limits. Business Checking offers: Up to 400 transactions/items per month, including electronic transactions (ACH, wire, debit card) 1 Monthly cash deposit and withdrawal limit of $10,000 per month 2 Business VISA debit and credit cards 3 with optional spending limits Optional access to remote deposit capture and online wire/ach origination services 3 Below are a range of options to avoid a monthly service charge for Business Checking: Maintain a $2,000 minimum daily balance per statement cycle, or Maintain a $4,000 average daily balance per statement cycle, or Make Visa debit card purchases totaling $2,000 or more (excluding ATM withdrawals) per statement cycle. If you are unable to take advantage of one of the above options, your service charge on this account is $20 per month. Additional Hillcrest Bank business checking accounts: Business Performance Checking Up to 400 transactions/items per month including electronic transactions (ACH, wire, debit card) 1 Monthly cash deposit and withdrawal limit of $10,000 per month 2 Business VISA debit and credit cards 3 with optional spending limits Optional access to remote deposit capture and online wire/ach origination services 3 Below are a range of options to avoid a monthly service charge for Business Performance Checking: Maintain a $2,500 minimum daily balance per statement cycle, or Maintain a $5,000 average daily balance per statement cycle, or Make Visa debit card purchases totaling $2,500 or more (excluding ATM withdrawals) per statement cycle. If you are unable to take advantage of one of the above options, your service charge on this account is $25 per month. Business Premium Checking Up to 400 transactions/items per month including electronic transactions (ACH, wire, debit card) 1 Monthly cash deposit and withdrawal limit of $10,000 per month 2 Business VISA debit and credit cards 3 with optional spending limits Optional access to remote deposit capture and online wire/ach origination services 3 Below are a range of options to avoid a monthly service charge for Business Premium Checking: Maintain a $25,000 average daily balance per statement cycle, or Link Business Premium Relationship accounts and maintain $25,000 in qualified combined deposit balances 4 or $50,000 in qualified deposits and outstanding balances on a linked small business term, line of credit or commercial real estate loan(s). If you are unable to take advantage of one of the above options, your service charge on this account is $25 per month. 1 Item 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. 2 A $2.00 fee will be assessed for each additional $1,000 cash deposited and withdrawn each month. 3 Subject to credit approval. Additional fees may apply. 4 Qualifying deposits include business checking, savings, money market and certificates of deposit. 9

12 SAVINGS AND MONEY MARKET ACCOUNTS NEW NAMES. GREAT BENEFITS. 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. NEW CHANGE Your routing number will change to 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 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, Savings Account, Minor Savings Account or OP Regular Savings 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: Maintain a $300 minimum daily balance per month, or Maintain a $600 average daily balance per month, or Make deposits and transfers totaling $25 each month, or Be under 25 years of age. If you are unable to take advantage of one of the above options, your service charge on this account is $3 per month. You will also be allowed three (3) debits each month at no additional cost. Additional debits after three (3) are $1.00 each. Tiered Money Market (with a balance under $10,000 as of February 9, 2018) Personal Money Market Enjoy 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: Maintain a $2,500 minimum daily balance per statement cycle, or Maintain a $5,000 average daily balance per statement cycle If you are unable to take advantage of one of the above options, your service charge on this account is $10 per month. You will also be allowed six (6) pre-authorized debits or checks per calendar month at no additional cost. Each pre-authorized debit or check over the six (6) limit will incur a fee of $15 per transaction. ATM withdrawals and debits made in person at any banking center do not count toward this limit. 10

13 Tiered Money Market (with a balance over $10,000 as of February 9, 2018), or NM Tiered Money Market 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, $25,000 - $49, $50,000 - $99, $100,000 - $249, $250,000 - $999, $1,000,000 and up 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: Maintain a $5,000 minimum daily balance per statement cycle, or Maintain a $10,000 average daily balance per statement cycle If you are unable to take advantage of one of the above options, your service charge on this account is $15 per month. You will also be allowed six (6) pre-authorized debits or checks per calendar month at no additional cost. Each pre-authorized debit or check over the six (6) limit will incur a fee of $15 per transaction. ATM withdrawals and debits made in person at any banking center do not count toward this limit. Health Savings Account Health Savings Account There 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 Hillcrest Bank 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 MT. 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 MT. Please ensure you have retained copies of your statements prior to February 9, Peoples Bank statements will not be available after February 9, Savings (for business) Small Business Savings Account Details, Fees and Benefits Small Business Savings features online banking, online statements and mobile banking Monthly cash deposit and withdrawal limit of $5,000 per month 1 Below are a range of options to avoid a monthly service charge for Small Business Savings: Maintain a $300 minimum daily balance per month, or Maintain a $600 average daily balance per month, or Make deposits and transfers totaling $150 each month. If you are unable to take advantage of one of the above options, your service charge on this account is $3 per month. You will also be allowed three (3) debits each month at no additional cost. Additional debits after three (3) are $1.00 each. 1 A $2.00 fee will be assessed for each additional $1,000 cash deposited and withdrawn each month. 11

14 Money Market (for business) (with a balance under $10,000 as of February 9, 2018) Small Business Money Market Enjoy 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: Monthly cash deposit and withdrawal limit of $5,000 per month 1 Business VISA debit and credit cards 2 with optional spending limits Optional access to remote deposit capture Below are a range of options to avoid a monthly service charge for Small Business Money Market: Maintain a $2,500 minimum daily balance per statement cycle, or Maintain a $5,000 average daily balance per statement cycle If you are unable to take advantage of one of the above options, your service charge on this account is $10 per month. You will also be allowed six (6) pre-authorized debits or checks per calendar month at no additional cost. Each pre-authorized debit or check over the six (6) limit will incur a fee of $15 per transaction. ATM withdrawals and debits made in person at any banking center do not count toward this limit. Commercial Money Market Max or Money Market (for business) (with a balance over $10,000 as of February 9, 2018) Business 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, $25,000 - $49, $50,000 - $99, $100,000 - $249, $250,000 - $999, $1,000,000 and up Call us or visit a banking center for current rates. Business Money Market includes: Monthly cash deposit and withdrawal limit of $5,000 per month 1 Business VISA debit and credit cards 2 with optional spending limits Optional access to remote deposit capture Below are a range of options to avoid a monthly service charge for Business Money Market: Maintain a $5,000 minimum daily balance per statement cycle, or Maintain a $10,000 average daily balance per statement cycle If you are unable to take advantage of one of the above options, your service charge on this account is $15 per month. You will also be allowed six (6) pre-authorized debits or checks per calendar month at no additional cost. Each pre-authorized debit or check over the six (6) limit will incur a fee of $15 per transaction. ATM withdrawals and debits made in person at any banking center do not count toward this limit. 1 A $2.00 fee will be assessed for each additional $1,000 cash deposited and withdrawn each month. 2 Subject to credit approval. Additional fees may apply. 12

15 CERTIFICATES OF DEPOSIT When you open a new Hillcrest Bank 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 Hillcrest Bank Certificates of Deposit. Upon renewal, the penalty structure on early withdrawal will change to: 7 days 181 days: 31 days of interest 182 days 364 days: 90 days of interest 12 months 59 months: 180 days of interest 60 months 119 months: 365 days of interest NEW CHANGE Certificates of Deposit Open your CD with a minimum of $500 or more, and you will be able to select terms as short as 91 days. Interest is compounded to the CD annually or at maturity (whichever comes first, upon first renewal with Hillcrest Bank). Interest can be paid electronically to another bank account monthly, quarterly, semi-annually, annually, or at maturity. However, interest cannot be paid by check on the new system. CDs automatically renew at maturity. At renewal, we will no longer provide partial withdrawals. We also offer IRA Certificates of Deposit of 91 days or greater as part of your investment strategy. Interest on IRA CDs is compounded annually or at maturity, whichever comes first. FUNDS AVAILABILITY AND FDIC INSURANCE FUNDS AVAILABILITY 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 7pm MT Monday through Friday. To request a transfer, call and speak to a Client Services and Solutions Specialist. FDIC INSURANCE Hillcrest Bank 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, 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. 13

16 ONLINE BANKING, ONLINE BILL PAY AND MOBILE BANKING YEP, YOU LL REALLY LIKE THESE FEATURES AND BENEFITS. Your Peoples Bank online and mobile banking will convert to Hillcrest Bank online and mobile banking on Monday, February 12, 2018 at 11am MT. Look for these new features at hillcrestbank.com and on our mobile app, Hillcrest Bank Mobile. 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 Hillcrest Bank and other banks. Easy online banking navigation using Quick Links and Money Center. 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. Activate offers from select merchants through MyRewards in online and mobile banking and you could earn up to 10% cash back, which we ll deposit into your account by the end of the next statement cycle. Set up custom alerts via 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 ONLINE BANKING ACTION NEEDED 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 Hillcrest Bank online banking system. You will have view-only access through Sunday, February 11 at 11:59pm MT. Transaction history from December 1 February 9, 2018 will transfer over to your new online banking system. After 11am MT on Monday, February 12, you will need to activate your account in our new online banking system at hillcrestbank.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 hillcrestbank.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 Hillcrest Bank 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! 14

17 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 hillcrestbank.com. Go to Money Center or Transfer Funds. Remember, Peoples Bank online banking history from December 1 February 9, 2018 will transfer to your new online banking system. Trouble signing in? When signing in to online banking for the first time, if you don t receive your one-time security code, call and one of our Client Services and Solutions Specialists will be available to assist you. Our specialists are available from 7am to 7pm MT on Monday through Friday, 7am to 3pm MT on Saturday. You will need to re-enroll to receive online statements. Re-enrolling is easy. Simply click on the Accounts tab, click on the Online Documents link and follow the prompts to add Online Documents. Please open, read and accept the disclosures presented to complete enrollment. ONLINE BILL PAY ACTION NEEDED You will not be able to schedule bill payments on the Peoples Bank online banking system after 1:30pm MT 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 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, 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 hillcrestbank.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 11am MT on Monday, February 12 to start scheduling payments. MOBILE BANKING ACTION NEEDED You will not be able to complete transactions or view your account on the Peoples Bank mobile banking app after 3pm MT 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 Hillcrest Bank Mobile from your app store available for iphone, ipad, Android and tablet devices. You will need to enroll in online banking before enrolling in Hillcrest Bank Mobile. See the next page for available features. 15

18 HILLCREST BANK MOBILE THE FEATURES YOU WANT. ON THE GO. * RECENT ACTIVITY See your recent bill payments or mobile deposits. CHECK BALANCES View all of your Hillcrest Bank accounts in one place. TRANSFER FUNDS Transfer funds from one of your Hillcrest Bank accounts to another Hillcrest Bank account. SEND MONEY TO FRIENDS AND FAMILY Using our Pay People feature, you can pay your friends and family via text, or PayPal... even if they don t have an account with us! MORE TOOLS Helpful 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 BILLS Pay all of your bills using the account you set up through Online Banking. MOBILE DEPOSIT Deposit checks directly from your mobile device to the account you choose. Download the Hillcrest Bank Mobile app from your app store on February 12! * Your mobile carrier s message and data rates may apply for mobile banking through your mobile device. 16

19 TELEBANK24, ATMS AND DEBIT CARDS WE JUST MADE ULTRA CONVENIENT MORE ULTRA AND MORE CONVENIENT. TELEBANK24 To get started, call 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 17 in your mailed Welcome to Hillcrest Bank 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. ATMS Take advantage of Hillcrest Bank 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 hillcrestbank.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. Running late to the bank? Many of our ATMs are deposit-taking. Visit us at hillcrestbank.com/locations to find deposit-taking ATMs in your area /20 DEBIT CARDS ACTION NEEDED During the week of February 5, you will receive your new Hillcrest Bank 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 Hillcrest Bank debit card by calling our 24-hour card activation line at You will select your PIN during the account activation process. You can change your PIN at any Hillcrest Bank ATM or by calling 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 MT. You will be able to activate and start using your new Hillcrest Bank debit card beginning Thursday, February 8 at 11:59pm MT. You will set your PIN during the activation process. 17

20 BANKING CENTER AND ATM LOCATIONS Albuquerque, NM: 2155 Louisiana Boulevard Northeast Suite 1000 Taos, NM: 1356 Paseo Del Pueblo Sur* 219 Paseo Del Pueblo Norte 710 Paseo Del Pueblo Sur Suite A* Questa, NM: 5 Supermarket Road* Austin, TX: Bee Cave Rd., Building One, Suite 100* Dallas, TX: 3102 Maple Avenue, Suite 120* * ATM available Red River, NM: 121 East Main Street Unit 4D 18

21 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 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, In addition, you will receive an escrow activity statement from January 10, 2018 through February 9, Please retain these statements for your personal records. In January 2019, you will receive your annual escrow analysis from Hillcrest Bank, a division of NBH Bank, which will include your account activity from February 10, 2018 through December 31, You will receive your escrow analysis annually each January thereafter. You will receive a final Peoples Bank statement on your consumer revolving line of credit with activity through February 9, You will receive a final Peoples Bank statement on your non-revolving mortgage loan for activity through February 9, Our routing number will be beginning February 12, 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 Hillcrest Bank, a division of NBH Bank, and the routing number to for the payment. 19

22 OVERDRAFT PROTECTION Hillcrest Bank 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 consumer accounts open more than 30 days and less than 2 years old, 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 Hillcrest Bank 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 Hillcrest Bank s Standard Overdraft Privilege (if your account is eligible for Overdraft Privilege). An Overdraft/Returned Item Fee of $35 will be charged each time we pay an overdraft. This is no change from the current 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. There is a daily limit of $175 on the total per item overdraft fees we will charge you for overdrawing your account. This is not a change from the limit with Peoples Bank. We will not charge an overdraft fee if a consumer account is overdrawn by $5.00 or less. These exceptions do not apply to 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 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. 20

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