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Banterra’s Workforce Banking Program is focused on providingexclusive benefits to business owners and their employees.If you work for a company that has enrolled in Banterra’sWorkforce Banking Program, you are eligible to receive a wealthof conveniences and savings available to you.WORKFORCE BANKING PROGRAMBENEFITS FOR EMPLOYEES Checking Offers:- Banterra SmartChoice or Banterra GreenEmployees can receive a Banterra SmartChoice orBanterra Green checking account free for 90 days1- Banterra Restart Checking or Banterra Restart BasicEmployees who have not qualified for a checkingaccount based on their financial past may be eligiblefor a Banterra Restart Checking or Banterra RestartBasic account free for 90 days2 Free Banterra Health Savings AccountOverdraft servicesFree rst order of standard checks3Free financial checkupReceive a 200 discount on mortgage closing costs.25% interest rate reduction on personal loansBanterra Visa Credit Cards4SMARTCHOICE CHECKING Identity theft protection - IDProtect Cellular telephone protectionFree Banterra Visa Debit CardFree digital bankingDirect deposit 100 minimum opening balanceAll for a low monthly fee of 5WHAT DO YOU RECEIVE WITH IDPROTECT 5 ? Protect yourself and your family6 from fraud and lossCredit File Monitoring73-in-1 Credit Report every 90 days upon request7Single-bureau credit score with every new credit report7Total identity monitoring of over 1,000 databases7Debit and credit card registration–with registration,you can call one toll-free number to cancel and requestreplacement cards7 Fully-Managed Identity Theft Resolution Service Identity Fraud Expense Reimbursement Coverage8WHAT DOES CELLULAR PHONE PROTECTION9 DO? Provides up to 300 of replacement or repair costs if yourcellular phone is stolen or damaged Covers the rst three phones referenced on the providedcellular phone bill paid through the SmartChoice account Two claims allowed per year, up to 300 per claim after 50 co-paymentGREEN CHECKING John & Mary MorelandMcDonald’s Franchise OwnersProud Workforce Banking Customer¹ 5 monthly fee after 90 days with Banterra SmartChoice and Banterra Green Checking.² 9.95 monthly fee after 90 days; save 3 per month with direct deposit. ³ Checks notavailable with Banterra Restart Basic. ⁴ The creditor and issuer of these cards is ElanFinancial Services, pursuant to a license from Visa U.S.A. Inc. Subject to credit approval.Paperless practicesFree Banterra Visa Debit CardFree digital bankingDirect deposit 100 minimum opening balanceAll for a low monthly fee of 5, (fee may be waived ifrequirements are met)10RESTART CHECKINGBanterra Restart accounts offer features that allow you to gain controlof your finances. In addition to no minimum balance requirements,enjoy free access to Banterra Digital Banking11, Banterra Visa DebitCard ( 750 merchandise limit and 300 cash limit per day), andunlimited ATM/ITM transactions (free at Banterra machines).Dr. Brittney McWilliamsMcWilliams Vision CareProud Workforce Banking CustomerDIGITAL BANKINGBank from your mobile device or computer using Banterra’sDigital Banking and enjoy convenient features including: Move Money - bill pay, transfer funds, Person-ToPerson (P2P) pay Mobile Check Deposit Check account balances & transactions Manage Banterra Visa Debit Cards - setup emailalerts, travel notices, switch cards on/off, reportcards lost/stolen, change your PIN and requesttemporary debit card limit increases View check images & attach images like receipts toindividual transactions Easy & secure logins - Auto, PIN, Touch ID, & Face ID Find locations, interactive teller machines (ITMs),ATMs and banking hours And more - request stop payments, setup onlinestatements, download account activity to Quicken or QuickBooks 5Refer to Guide to Benefits for complete terms and conditions. 6 IDProtect service is apersonal identity theft protection service available to account owner(s) and their family.Family includes spouse, persons qualifying as domestic partner, and children under 25years of age and parent(s) who are residents of the same household. IDProtect benefitsare available to joint account holders (unless otherwise noted). Benefits are not availableto a “signer” of “beneficiary” of the account who is not an account owner. Service is notavailable to businesses and their employees, clubs and/or churches and their members,schools, and their employees/students. 7 Registration/activation required. 8 IdentityTheft Insurance underwritten by insurance company subsidiaries or affiliates ofAmerican International Group, Inc. The description herein is a summary and inteded forinformational purposes only and does not include all terms, conditions, and exclusionsof the policies described. Please refer to the actual policies for terms, conditions, andexclusions of coverage. Coverage may not be available in all jurisdictions. Insuranceproduct is not insured by FDIC or any Federal Government Agency, not a deposit of orguaranteed by the bank or any bank affiliates. 9 Cell phone coverage: Please refer toGuide to Benefit for additional details regarding eligibility, terms and exclusions.10Monthly fee can be avoided by doing one of the following: 1) 500 daily balance ismaintained; or 2) A combined average balance of 2,500 is maintained with checking,savings, money market, or minimum daily balance in CDs and/or IRAs; or 3) Two directdeposits are made per statement cycle; or 4) Eight Banterra Visa Debit Card purchasesare made per cycle; or 5) Account holder is military (with proof of military status); or 6)Account holder is a student (age 24 or younger with proof of student status); or 7)Primary or secondary account holder is age 60 or over. 11 Bill Pay and Mobile CheckDeposit are not included with digital banking for Restart accounts.

HEALTH SAVINGS ACCOUNT (HSA)It’s easy to take our health for granted, but unexpected issuescan occur that come with large, unplanned expenses. Even withhealth insurance plans, these plans typically come with highdeductible and out-of-pocket costs that can really add up. AtBanterra, we offer a Health Savings Account (HSA) with greatbenefits and no annual fee that can help you prepare for futurehealth needs.BENEFITS OF BANTERRAÕS HSAt /P BOOVBM GFFt 'VOET SPMM PWFS ZFBS UP ZFBS t &BTZ QBZNFOU PQUJPOT GPS NFEJDBM FYQFOTFT 'SFF #BOUFSSB 7JTB )4" %FCJU BSE IFDLT GPS QBZNFOU XJUI OP QFS DIFDL GFF- Set up payees utilizing Bill Payt 'SFF %JHJUBM #BOLJOH JODMVEJOH POMJOF BOE NPCJMFt 'SFF "5. VTBHF BU #BOUFSSB "5. MPDBUJPOTBANTERRA BANK SERVICESPERSONAL BANKINGPersonal CheckingPersonal SavingsCDs & IRAsMortgage & EquityDigital BankingPersonal LoansWORKFORCEBANKINGBUSINESS BANKINGBusiness CheckingBusiness SavingsBusiness & Agricultural LendingSpecialized Lending- Aircraft, Corporate Banking, Machine Tool,RV & Marine, TransportationTreasury ManagementBanterra Business Mobile AppMerchant ProcessingcheckXchange Check Recovery ServiceIntraFiNetwork Deposits smPrivate BankingWorkforce BankingOTHER SERVICESCredit Cards – Consumer & BusinessForeign CurrencySecurity & Fraud ProtectionWire TransfersARIZONA ILLINOIS INDIANA KENTUCKY866-BANTERRA (226-8377)Banterra.bankREV 2/2022 MISSOURI UTAHMEMBER FDIC

Banterra’s Workforce Banking Program is focused on providingexclusive benefits to business owners and their employees.If you work for a company that has enrolled in Banterra’sWorkforce Banking Program, you are eligible to receive a wealthof conveniences and savings available to you.WORKFORCE BANKING PROGRAMBENEFITS FOR EMPLOYEES Checking Offers:- Banterra SmartChoice or Banterra GreenEmployees can receive a Banterra SmartChoice orBanterra Green checking account free for 90 days1- Banterra Restart Checking or Banterra Restart BasicEmployees who have not qualified for a checkingaccount based on their financial past may be eligiblefor a Banterra Restart Checking or Banterra RestartBasic account free for 90 days2 Free Banterra Health Savings AccountOverdraft servicesFree rst order of standard checks3Free financial checkupReceive a 200 discount on mortgage closing costs.25% interest rate reduction on personal loansBanterra Visa Credit Cards4SMARTCHOICE CHECKING Identity theft protection - IDProtect Cellular telephone protectionFree Banterra Visa Debit CardFree digital bankingDirect deposit 100 minimum opening balanceAll for a low monthly fee of 5WHAT DO YOU RECEIVE WITH IDPROTECT 5 ? Protect yourself and your family6 from fraud and lossCredit File Monitoring73-in-1 Credit Report every 90 days upon request7Single-bureau credit score with every new credit report7Total identity monitoring of over 1,000 databases7Debit and credit card registration–with registration,you can call one toll-free number to cancel and requestreplacement cards7 Fully-Managed Identity Theft Resolution Service Identity Fraud Expense Reimbursement Coverage8WHAT DOES CELLULAR PHONE PROTECTION9 DO? Provides up to 300 of replacement or repair costs if yourcellular phone is stolen or damaged Covers the rst three phones referenced on the providedcellular phone bill paid through the SmartChoice account Two claims allowed per year, up to 300 per claim after 50 co-paymentGREEN CHECKING John & Mary MorelandMcDonald’s Franchise OwnersProud Workforce Banking Customer¹ 5 monthly fee after 90 days with Banterra SmartChoice and Banterra Green Checking.² 9.95 monthly fee after 90 days; save 3 per month with direct deposit. ³ Checks notavailable with Banterra Restart Basic. ⁴ The creditor and issuer of these cards is ElanFinancial Services, pursuant to a license from Visa U.S.A. Inc. Subject to credit approval.Paperless practicesFree Banterra Visa Debit CardFree digital bankingDirect deposit 100 minimum opening balanceAll for a low monthly fee of 5, (fee may be waived ifrequirements are met)10RESTART CHECKINGBanterra Restart accounts offer features that allow you to gain controlof your finances. In addition to no minimum balance requirements,enjoy free access to Banterra Digital Banking11, Banterra Visa DebitCard ( 750 merchandise limit and 300 cash limit per day), andunlimited ATM/ITM transactions (free at Banterra machines).Dr. Brittney McWilliamsMcWilliams Vision CareProud Workforce Banking CustomerDIGITAL BANKINGBank from your mobile device or computer using Banterra’sDigital Banking and enjoy convenient features including: Move Money - bill pay, transfer funds, Person-ToPerson (P2P) pay Mobile Check Deposit Check account balances & transactions Manage Banterra Visa Debit Cards - setup emailalerts, travel notices, switch cards on/off, reportcards lost/stolen, change your PIN and requesttemporary debit card limit increases View check images & attach images like receipts toindividual transactions Easy & secure logins - Auto, PIN, Touch ID, & Face ID Find locations, interactive teller machines (ITMs),ATMs and banking hours And more - request stop payments, setup onlinestatements, download account activity to Quicken or QuickBooks 5Refer to Guide to Benefits for complete terms and conditions. 6 IDProtect service is apersonal identity theft protection service available to account owner(s) and their family.Family includes spouse, persons qualifying as domestic partner, and children under 25years of age and parent(s) who are residents of the same household. IDProtect benefitsare available to joint account holders (unless otherwise noted). Benefits are not availableto a “signer” of “beneficiary” of the account who is not an account owner. Service is notavailable to businesses and their employees, clubs and/or churches and their members,schools, and their employees/students. 7 Registration/activation required. 8 IdentityTheft Insurance underwritten by insurance company subsidiaries or affiliates ofAmerican International Group, Inc. The description herein is a summary and inteded forinformational purposes only and does not include all terms, conditions, and exclusionsof the policies described. Please refer to the actual policies for terms, conditions, andexclusions of coverage. Coverage may not be available in all jurisdictions. Insuranceproduct is not insured by FDIC or any Federal Government Agency, not a deposit of orguaranteed by the bank or any bank affiliates. 9 Cell phone coverage: Please refer toGuide to Benefit for additional details regarding eligibility, terms and exclusions.10Monthly fee can be avoided by doing one of the following: 1) 500 daily balance ismaintained; or 2) A combined average balance of 2,500 is maintained with checking,savings, money market, or minimum daily balance in CDs and/or IRAs; or 3) Two directdeposits are made per statement cycle; or 4) Eight Banterra Visa Debit Card purchasesare made per cycle; or 5) Account holder is military (with proof of military status); or 6)Account holder is a student (age 24 or younger with proof of student status); or 7)Primary or secondary account holder is age 60 or over. 11 Bill Pay and Mobile CheckDeposit are not included with digital banking for Restart accounts.

HEALTH SAVINGS ACCOUNT (HSA)It’s easy to take our health for granted, but unexpected issuescan occur that come with large, unplanned expenses. Even withhealth insurance plans, these plans typically come with highdeductible and out-of-pocket costs that can really add up. AtBanterra, we offer a Health Savings Account (HSA) with greatbenefits and no annual fee that can help you prepare for futurehealth needs.BENEFITS OF BANTERRAÕS HSAt /P BOOVBM GFFt 'VOET SPMM PWFS ZFBS UP ZFBS t &BTZ QBZNFOU PQUJPOT GPS NFEJDBM FYQFOTFT 'SFF #BOUFSSB 7JTB )4" %FCJU BSE IFDLT GPS QBZNFOU XJUI OP QFS DIFDL GFF- Set up payees utilizing Bill Payt 'SFF %JHJUBM #BOLJOH JODMVEJOH POMJOF BOE NPCJMFt 'SFF "5. VTBHF BU #BOUFSSB "5. MPDBUJPOTBANTERRA BANK SERVICESPERSONAL BANKINGPersonal CheckingPersonal SavingsCDs & IRAsMortgage & EquityDigital BankingPersonal LoansWORKFORCEBANKINGBUSINESS BANKINGBusiness CheckingBusiness SavingsBusiness & Agricultural LendingSpecialized Lending- Aircraft, Corporate Banking, Machine Tool,RV & Marine, TransportationTreasury ManagementBanterra Business Mobile AppMerchant ProcessingcheckXchange Check Recovery ServiceIntraFiNetwork Deposits smPrivate BankingWorkforce BankingOTHER SERVICESCredit Cards – Consumer & BusinessForeign CurrencySecurity & Fraud ProtectionWire TransfersARIZONA ILLINOIS INDIANA KENTUCKY866-BANTERRA (226-8377)Banterra.bankREV 2/2022 MISSOURI UTAHMEMBER FDIC

Credit File Monitoring7 3-in-1 Credit Report every 90 days upon request7 S ingl e-b u ra c d ts owi h v y new p 7 Total identity monitoring of 7over 1,000 databases Debit and credit card registration-with registration, you can call one toll-free number to cancel and request replacement cards7