WELCOME TO HILLCREST BANK....WELCOME TO. HILLCREST BANK. LET US SHOW YOU HOW . NICE CHANGE CAN BE. A GUIDE TO YOUR NEW BANK. BUSINESS. THIS IS NOT . JUNK MAIL. WE PROMISE. And you

WELCOME TO HILLCREST BANK.

LET 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 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.

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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 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 8am MT on Monday, February 12, your new business online banking system will be ready to use at hillcrestbank.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.

Hillcrest Bank 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 Hillcrest Bank Business Mobile app beginning Monday, February 12.*

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.

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 877.506.9353.

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*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 through an email 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 855.629.7618. Treasury Management Client Service Specialists are available to assist you from 7am to 4:30pm MT, Monday through Friday at 877.506.9353.

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 Hillcrest Bank location, we offer bank by mail. You may send your deposits to your local banking center or to: Hillcrest Bank, P.O. Box 26368, Kansas City, MO 64196-6368.

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Treasury Management Client Services

877.506.9353

Website

hillcrestbank.com

Connect and FollowMobile Business Banking App

Hillcrest Bank Business Mobile

/hillcrestbank/hillcrest_bank

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

877.506.9353

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.

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Beginning Monday, January 29, your Company Administrator will have limited access to the new system at hillcrestbank.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 877.506.9353.

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 Hillcrest Bank online banking system. You will have view-only access through Sunday, February 11 at 11:59pm MT. 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,HillcrestBankBusinessMobile,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.

• OurACHcutofftimewillbe3:45pmMT.

• ACHtemplateswillbetransferredtothenewsystem.

• Wirecutofftimewillbe3pmMTforoutgoingand3:55pmMTforincoming.

ONLINE BANKING 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.

DEBIT CARD ACTION NEEDED

/hillcrest_bank

• 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 on February 12. Future scheduled payments will transfer over and payments scheduled for February 12 – 15 on the Peoples Bank system will process on February 15. On the new system, you may begin scheduling payments on February 12 with a payment date as early as February 15.

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

• Your new online bill payment system will be available beginning 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.

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.

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 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 12 – 15 on the Peoples Bank system will process on February 15.

Please note the ACH Merchant service will no longer be available.

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.

Weekof

February 12

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

Online bill pay will also be available at hillcrestbank.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 Hillcrest Bank statements electronically.

Download our new Hillcrest Bank business 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.

If your Company Administrator did not activate your business online banking account during the preview period, they can log in at hillcrestbank.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 Hillcrest Bank business mobile banking app.

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 877.506.9353 to visit with one of our Treasury Management Client Services Specialists.

Your new Hillcrest Bank account will be:

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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:• 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 Hillcrest Bank 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 101002716.

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:

Small Business CheckingUnCommon Checking (for business), or Commercial Freedom

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

• Monthlycashdepositandwithdrawallimitof$5,000permonth2

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

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

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

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

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

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Additional Hillcrest Bank business checking accounts:





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).


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

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


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


Commercial Regular Checking, Commercial Checking, NM Commercial Checking, or Albuquerque 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 Commercial Checking, Freedom Public Funds, Public Funds, Public Funds UnCommon Checking

Public Funds Checking Available to state or federal government agencies, local municipalities, and public agencies, Hillcrest Bank 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 UnBelievable 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.



1Itemchargeforeachadditionaltransactionis$0.15.2A$2.00feewillbeassessedforeachadditional$1,000cashdepositedandwithdrawneachmonth.

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SAVINGS AND MONEY MARKET ACCOUNTS NEW NAMES. GREAT BENEFITS.

Your routing number will change to 101002716. 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 101002716.

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



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.

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.

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Money Market (for business) (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.



Commercial Money Market Max or Money Market (for business) (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• $1,000,000andup

Call us or visit a banking center for current rates.

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

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

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


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

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

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-dayfundstransferupto8:00pmMT,MondaythroughFriday.Torequestatransfer,call 855.629.7618 and speak to a Client Services Specialist.

FUNDS AVAILABILITY

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, 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. CDsthatmatureduringthesix-monthperiodandarerenewedforthesametermandinthesamedollaramount(either withorwithoutaccruedinterest)continuetobeseparatelyinsureduntilthefirstmaturitydateafterthesix-monthperiod. 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 New Regular 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 Money Market, MICO Public Funds Money Market, New Mexico Public Funds Money Market, New Mexico Public Funds NOW

Public Funds Money MarketEnjoyfundsliquidityandinterestearningcapabilities.TheHillcrestBankPublicFundsMoneyMarketaccountrequiresno minimum balance to earn interest and has no per-item fee. • Youmaymakesix(6)withdrawalspermonth. • Interestistieredonbalancesover$1,000. • Interestiscompoundedandpaidmonthly. • Thereisa$10servicechargeiftheminimumbalancedropsbelow $1,000.• Checkimagesareincludedwithyourmonthlystatement(s).


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

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

Certificates of DepositOpenyourCDwithaminimumof$500ormore,andyouwillbeabletoselecttermsasshortas91days.

• InterestiscompoundedtotheCDannuallyoratmaturity(whichevercomesfirst,uponfirstrenewal withHillcrestBank).

• 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

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TREASURY MANAGEMENT Hillcrest Bank 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 877.506.9353, 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–YoucansavemoneyandimproveproductivitywithHillcrestBank’sAutomatedClearingHouse(ACH)Manager. ACH Manager helps streamline payments and collections with electronic funds transactions.

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 877.506.9353 to update your wire authorizations, set up access to onlinewireservicesorrequestaforeigncurrencywire.

Card Services • Hillcrest Bank 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.

• Withour purchasing 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

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.

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 Hillcrest Bank online banking system. You will have view-only access through Sunday, February 11 at 11:59pm MT. 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

*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.

NEW CHANGE

ACTION NEEDED

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BUSINESS MOBILE

Hillcrest Bank 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 hillcrestbank.com. Please select the “Business Online” option on the Hillcrest Bank 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.

For complete details on the new system, download our Business Online User Guide at hillcrestbank.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 877.506.9353 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.

ACTION NEEDED

HOW TO LOG IN TO BUSINESS ONLINE BANKING

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

To get started, call 855.629.7618. 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 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.

ATMs

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 866.392.9952. You will select your PIN during the account activation process. You can change your PIN at any Hillcrest Bank 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 Hillcrest Bank 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

Our routing number will be 101002716 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 Hillcrest Bank, a division of NBH Bank, and the routing number to 101002716 for the payment.

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

Ifyouhavearevolvinglineofcredit,allpaymentsmustbemadeinU.S.dollarsandmustbereceivedbyusconsistentwith 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, 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 Hillcrest Bank, 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.

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OVERDRAFT PROTECTION Hillcrest Bank offers several different options for overdraft protection. We have standard overdraft practices that

comewithouraccounts.Inaddition,ifanaccountmeetsoureligibilitystandards(basedonthelengthoftimeyouraccounthasbeenopened,thetypeofactivity,thetypeofaccount,yourusageoftheaccount),suchaccountiseligible for the Overdraft Privilege Program. We also offer overdraft protection plans, such as a link to a savings accountthatwilltransferfundstocoveranoverdraft,oranoverdraftlineofcredit(subjecttoapproval),whichmaybeless 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 Commercial 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. Business accounts open more than 60 days in good standing have an overdraft limit of $1,000.

If you currently have Commercial Guest Protect Overdraft on your account at Peoples Bank, you will automatically beopted-intoHillcrestBank’sExtendedOverdraftPrivilege(ifyouraccountiseligiblefortheOverdraftPrivilegeProgram).ThismeansthatwewillcontinuetoauthorizeandpayoverdraftsonyourATMandeverydaydebitcardtransactions as well as checks, ACH payments,automatic bill payments, recurring debit card and other transactions made using your checking account.

AnOverdraft/ReturnedItemFeeof$35willbechargedeachtimewepayanoverdraft.Thisisnochangefromthecurrent fee at Peoples Bank. There is a daily continuous overdraft fee of $5.00 that may apply if your account is overdrawn 5 consecutive business days or more instead of the $2.00 daily overdraft fee that is currently charged to your account beginning on the first day. 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 or a 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.

BANKING CENTER AND ATM LOCATIONS

Albuquerque, NM: 2155LouisianaBoulevard 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*

Red River, NM: 121EastMainStreetUnit4D

Austin, TX: 12117 Bee Cave Rd., Building One, Suite 100*

Dallas, TX: 3102 Maple Avenue, Suite 120*

* ATM available

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Documents

WELCOME TO HILLCREST BANK....WELCOME TO. HILLCREST BANK. LET US SHOW YOU HOW . NICE CHANGE CAN BE. A GUIDE TO YOUR NEW BANK. BUSINESS. THIS IS NOT . JUNK MAIL. WE PROMISE. And you