WELCOME to FirstBank & Trust!

Important information on the transition of your business accounts to FirstBank & Trust

1

IMPORTANT DATES AND TRANSITION HIGHLIGHTS . . . . . . . .03NEED ASSISTANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .04 ACCOUNT SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .05

Business Accounts (Account Conversion Table) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .05Existing Checks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .06Account Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .06 Routing and Transit Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .06Electronic Deposits and Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .06Activity Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .06Overdraft Privilege . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .06Posting Order . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .06FDIC Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .07

CARD SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .07Business Debit and ATM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .07Activating and Using your new MASTERCARD® Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . .07How You Can Ensure a Smooth Transition . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .07Limits on your New MasterCard® Business Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .07Expiration of Your Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .07Inactive Debit Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .07NEW! Credit Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .08

ELECTRONIC BANKING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .09Accessing Online Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .09Account Transaction History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .09Alerts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .09Cleared Check Images . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .09Deposit Images . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .09Online Bill Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10eStatements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10Export to Accounting Systems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10eDeposit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10Mobile Report Deposit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10Telephone Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

WIRE TRANSFERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11Domestic Incoming Wires . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11International Incoming Wires . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Deposit and Payment Deadlines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11Wire Transfer Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Incoming Wires and Wire Advices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

RETIREMENT PLAN SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 COMMERCIAL LOANS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

Loans and Lines of Credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

LOCATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 ABOUT US . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14HOW TO CONTACT US . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 THANK YOU! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

2

Contents

The systems conversion is

expected to begin at end

of business on Friday,

February 19, 2021, and end

at 8:00 a .m . on Monday,

February 22, 2021 . To the

left, please find a checklist

of essential items that

require your attention

prior to and following the

conversion .

Please note: all times

listed in this guide are

Central Standard Time .

ACTION ITEMS

As we approach the transition of your AimBank accounts to FirstBank & Trust, there are some important things you need to know before and after the transition is complete. The information in this Resource Guide will help you prepare for what’s ahead and ensure you continue to experience the exceptional service to which you are accustomed.

Important!

FEBRUARY 2021MONDAY 8

TUESDAY 9

WEDNESDAY 10

THURSDAY 11

FRIDAY 12

SATURDAY 13

Watch for your new FirstBank & Trust Debit/ATM Card(s) to arrive.

Prior to February 12, 2021, please review any bills due February 15 through February 22, 2021.

MONDAY 15

TUESDAY 16

WEDNESDAY 17

THURSDAY 18

FRIDAY 19

SATURDAY 20

eStatements prior to Friday, February 19, 2021 may not be immediately available in FirstBank & Trust Online Banking. If you are in need of an eStatement prior to Friday, February 19, 2021, we recommend you print or download your last statement and history since last statement.

Downloadand exportTransactionHistory priorto Friday,February 19, 2021.

Activate and start using your FirstBank & Trust Debit Card.

Online Banking and Bill Pay will be unavailable beginning at 6:00 p.m.

MONDAY 22

TUESDAY 23

WEDNESDAY 24

THURSDAY 25

FRIDAY 26

SATURDAY 27

Conversion Complete Visit FirstBankTexas.com and sign in to Online Banking and Bill Pay beginning at 8:00 a.m.

Download the FirstBankTexas Mobile App.

Welcome to FirstBank & Trust!

WHAT SHOULD I DO NOW?▶ Keep banking as usual with AimBank. The locations, products and

services you currently use will not change to FirstBank & Trust until Monday, February 22, 2021.

▶ Over the next few weeks, as we move towards conversion weekend, you will be receiving continued communication from us via email or mail in regards to all important milestones and changes to your accounts. Several of these items are highlighted throughout this Resource Guide. We ask you to be on the lookout for this important information.

IMPORTANT DATES AND TRANSITION HIGHLIGHTS

Look for this symbol throughout this guide for changes that may require action.

3

4 Your guide to expanded business banking opportunities with FirstBank & Trust

Need Assistance?

4

On February 22, 2021, our Customer Care Center team members are available:

Monday – Friday

7:00 a .m . – 9:00 p .m .

Saturday

8:00 a .m . – 2:00 p .m .

Call 877 .280 .1864

ACCOUNT SERVICES

HOW YOUR ACCOUNT(S) WILL CONVERT TO THE FIRSTBANK & TRUST PRODUCT OFFERING

EXISTING AIMBANK PRODUCT

converts to

FIRSTBANK & TRUST PRODUCT

CHECKING ACCOUNTSAim Small Business CheckingAim Small Business Checking Repo

Business Checking product 412

Aim Commercial Checking

Business Analysis Checking (Non-Interest Bearing)

product 200

Aim Public Funds Bid Business Interest Checking

product 330

Aim Business Interest CheckingAim Business Interest Checking RepoAim Muleshoe Interest CheckingAim Platinum Interest Checking

Small Business Interest

Checking product 240

SAVINGS ACCOUNTSAimHigh Savings AimHigh Savings Repo AimElite Savings AimElite Savings Repo Premier Business Savings

High Yield Savings

product 687

MONEY MARKET ACCOUNTS

Aim Business Money Market Business Premium

Money Market product 287

To the left is a chart to help you understand how your current business account(s) will convert, effective Monday, February 22, 2021 . Complete information regarding the new account terms and fees may be found in the Deposit Account Agreement and Disclosure booklet included with this mailing .

5

We’re doing everything we can to ensure a seamless transition . Below is a chart to help you understand how your current business account(s) will convert, effective Monday, February 22, 2021 . Complete information regarding the new account terms and fees may be found in the Deposit Account Agreement and Disclosure book included with this mailing .

ACCOUNT CONVERSION TABLE

Important!

1Overdraft and Returned Item Fee is $35 per presentment . Fees apply to transactions created by check, in-person withdrawal, ATM withdrawal, or other electronic means . The total of the discretionary overdraft privilege (negative) balance, including any and all bank fees and charges, and interest charges are due and payable upon demand . Approval of payment of overdrafts by the bank on business accounts in good standing is only a discretionary courtesy, and not a right or obligation .

EXISTING CHECKS Continue to use your existing AimBank checks and deposit tickets until depleted, unless you are specifically notified otherwise.

When ordered through FirstBank & Trust, new check orders will be updated automatically with the new routing and transit number. If ordered from an outside vendor, please provide the updated routing number: 111319347 to your vendor.

ACCOUNT NUMBERSIn most cases, account numbers for checking accounts, savings accounts and CDs will remain the same. We will notify you in a separate communication if your account number changes.

NEW ROUTING NUMBER

Beginning Monday, February 22, 2021, your new routing and transit number will be

111319347

ELECTRONIC DEPOSITS AND PAYMENTSYour automatic payments and deposits will continue uninterrupted.

ACTION REQUIRED. After Friday, February 19, 2021, you will need to setup new automatic payments or deposits with the FirstBank & Trust routing number, 111319347. Additionally, you may be contacted by vendors with whom

you have an existing automatic payment or deposit setup to confirm the routing number change.

Wire Transfer instructions will also change beginning Monday, February 22, 2021. Details are provided in the Wire Transfer section on page 11 of this guide.

ACTIVITY STATEMENTSA statement of your activity between your last statement date and February 19, 2021 will be provided to all AimBank checking and savings account holders. These activity statements will be mailed to customers the week of Monday, February

22, 2021, regardless of your regular statement date. At the time of this special statement, interest will be credited to your account. Due to the account change-over, any monthly account maintenance fees will be waived for this special statement which runs through Friday, February 19, 2021.

Beginning Monday, February 22, 2021, images of items posting to your account will be available through the FirstBank & Trust Online Banking System.

ACTION REQUIRED. Closely review your new FirstBank & Trust statement. If you have any questions or need additional information, please contact the Customer Care Center after February 22, 2021 at 877.280.1864.

OVERDRAFT PRIVILEGEOverdraft Privilege1 (ODP), is a valuable discretionary service that FirstBank & Trust will provide on business checking accounts, beginning on Monday, February 22, 2021. FirstBank & Trust’s Overdraft Privilege provides a “safety net” depending on the type of checking account you have. Basic Overdraft Privilege covers checks, ACH (Automated Clearing House), recurring debits, and in-person transactions.

Please see the account disclosures provided in the Deposit Account Agreement and Disclosure booklet for the Overdraft Privilege limit available on your business checking account. All AimBank checking account holders will be enrolled in Basic ODP coverage. Fees may be applied. If you have any questions, or wish to change your ODP service, please contact your banker.

POSTING ORDERTransactions will post to your account in the following order:

y Deposits and other creditsy ATM transactionsy Debit Card transactions (posted according to the

time the final authorization was processed)y Wire transfery ACH items

y Checks drawn on FirstBank & Trust for cash payment – posted in numerical order from lowest check number to highest.y Checks – posted in numerical order from lowest

check number to highest

6

FDIC COVERAGEIf you have accounts at both the former AimBank and FirstBank & Trust, your accounts will be separately insured through the FDIC until June 4, 2021 (grace period). For Certificate of Deposit, FDIC insurance will continue until the maturity date, even if the maturity date comes after the grace period. If your CD matures during the grace period and you roll it over for the same term and dollar amount, it will be insured separately until the new maturity date. If after the grace period, your deposits are greater than $250,000, a bank representative will be happy to meet with you to discuss how to maximize your FDIC insurance coverage.

CARD SERVICES MASTERCARD® BUSINESS DEBIT/ATM CARDS Your new FirstBank & Trust business debit card will arrive the week of February 8, 2021. Please note that your card has a new number.

For security purposes, your new card will arrive in a plain white envelope. Please watch for this special mailing during the week of February 8, 2021.

ACTIVATING AND USING YOUR NEW MASTERCARD® BUSINESS DEBIT CARD

ACTION REQUIRED. Your new MasterCard® Business Debit Card should arrive the week of February 8, 2021. Upon receipt, please keep this card in a secure place and do not attempt to use it until you have activated it ON OR AFTER Friday, February 19, 2021.

Your new card can be activated by calling the telephone number included with your card. ON OR AFTER Friday, February 19, 2021, you can change your PIN number by calling the telephone number included with your card.

HOW YOU CAN ENSURE A SMOOTH BUSINESS DEBIT CARD TRANSITION

ACTION REQUIRED. You will need to provide your new FirstBank & Trust Business Debit Card number and expiration date to any merchant where your existing business debit card is utilized for automatic or recurring charges, such as a utility or

insurance payment, for any payments to be made after Friday, February 19, 2021.

LIMITS ON YOUR NEW MASTERCARD® BUSINESS DEBIT CARDIf you have a Business Debit Card for your business, the daily withdrawal limits of your new MasterCard® Debit Card may change.

Unless you are otherwise notified, beginning on Monday, February 22, 2021, the daily limit for ATM withdrawals will be $1,000. The daily limit for point of sale (POS) merchant transactions will be $5,000. Contact your banker to discuss other options if you would prefer different daily purchase limits on your card.

EXPIRATION OF YOUR AIMBANK BUSINESS DEBIT CARD

ACTION REQUIRED. Your current AimBank Business Debit Card will expire on Friday, February 19, 2021. It is recommended that you destroy your old AimBank card(s) at that time. At the same time, you can activate and begin using your new FirstBank & Trust MasterCard® Business Debit Card.

AimBank Business Debit Cards that have not been used within the past 12 months will no longer work after 12:00 a.m. on Friday, February 19, 2021. In addition, these inactive cards will not be replaced at conversion or when they expire.

If you do not receive a new FirstBank & Trust MasterCard® Business Debit Card and would like to have one, please contact the Customer Care Center at 877.280.1864 or visit your local branch ON OR AFTER Monday, February 22, 2021. Please use your debit card at least once each year to keep the card active in the system.

INACTIVE BUSINESS DEBIT CARDS

7

10% Introductory Annual Percentage Rate (APR) offer valid for first 12 months upon opening a business credit card, then reverts to standard APR thereafter . After first 12 months, the APR is variable based on the Prime Rate + 9 .50% . Normal underwriting guidelines apply . Contact a banker or visit your local branch for more information . 25% Cash Back Rewards on the first $10,000 net spend annually at office supply stores . 2% Cash Back Rewards on the first $20,000 combined net spend annually between restaurants and gas . Spend over this amount will receive 1% Cash Back Rewards on net purchases . Points can be redeemed for a credit to your credit card account or deposit account held at a domestic United States Financial Institution . Minimum point redemption amount applies . Review the program’s terms and conditions at www .scorecardrewards .com or call ScoreCard Customer Service at 1-800-854-0790 . The program’s rules can change at any time without notice . Void where prohibited or restricted by law . Credit Cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services .

Small Business Credit Card

Commercial Credit Card Fleet Credit Card

5% - 2% - 1%Cash Back Rewards2

NEW! CREDIT CARDS

IMPROVE CASH FLOW WITH THE CARD THAT’S BUILT FOR BETTER BUSINESS Our small business credit card helps you strike the perfect balance between growing your business and maintaining an optimal level of working capital. Take advantage of vendor early payment terms without negatively impacting your current cash flow. Pay your vendors with a small business credit card and extend your accounts payable cycle without incurring interest expense when you pay your balance in full.

SUPERIOR CARD MANAGEMENT Access your small business credit card account information easily and securely online at no cost to you. At eZCardInfo.com, you can securely view your card account summary, including the balance, credit line, payment due date, and more.

Card Management also allows you to view current and historical transaction activity, view up to 24-months of eStatements, download account data into Quicken® or Microsoft Money® accounting software, make payments, initiate card disputes, and receive alerts on balance transaction and payment events. The VISA® Small Business Credit Card from FirstBank & Trust features:

▶ 0% APR for 12 months on purchases and balance transfers1

▶ No Annual Fee

▶ Fraud protection

To apply for any of the FirstBank & Trust VISA® Credit Cards, call or visit your local banking center. Please note that all applications are subject to credit approval.

8

ELECTRONIC BANKING

ACCESSING ONLINE BANKINGFirstBank & Trust’s Online Banking provides you with enhanced and innovative features. We are committed to delivering a richer online experience with more flexibility, security and control. In preparation for the transition to the new Online Banking system, it is necessary to have an updated phone number for our records to verify your identity when logging in.

ACTION REQUIRED. Verify that your phone number and email is correct in the current AimBank Online Banking system. Please ensure it is updated by February 15, 2021.

In addition to the information in this guide, we will have several resources available to help familiarize you with the

new system. Visit www.FirstBankTexas.com/resource-center, where you will find the following accessible tools:

y Training Videos

y Service Cutoff Times and Specifications

Please encourage all authorized members of your staff to review and become familiar with these Online Banking tools. If you feel your staff can benefit from personal training, please contact your banker.

ACCOUNT TRANSACTION HISTORYACTION RECOMMENDED. We will convert a limited amount of your previous transaction history, meaning much of your account history may not convert. As a best practice, we recommend that you download your previous transaction history prior to Friday, February 19, 2021. Online Banking will retain at least 12 months of account history moving forward.

ALERTSAlerts or event notifications established in the current AimBank Online Banking system may NOT be converted. Though every effort will be made to transition the alerts and notifications, some may need to be re-established. To re-establish these alerts after conversion, please refer to the InBusiness User Guide. A number of alert options are available and your Treasury Management Officer or banker will help you to explore these options.

CLEARED CHECK IMAGESOn Monday, February 22, 2021, you may not have immediate access to cleared check image history. Once conversion is complete, images will be available for all items in your transaction history moving forward. In addition, Online Banking will begin maintaining statement history up to 24 months and a rolling 12-month history of cleared check images.

DEPOSIT IMAGESDeposit ticket and deposited item images will be available through Online Banking.

This feature allows you to title and save reports for future use.

ACTION REQUIRED. Please take these steps prior to Friday, February 19, 2021, to ensure you can access Online Banking .

9

ONLINE BILL PAYYour Online Banking Bill Payments will be converting to the new system.

▶ Data that will be converted includes payees, addresses, and recurring payments.

▶ For users of Business Bill Pay, only the Primary Admin will have Bill Pay access initially. The admin will need to re-establish access for other online banking users

▶ Bill Pay customers will select the due date. Items can be processed the same day (with a cut-off time of 2:00 p.m. Central Standard Time). For payments sent electronically, funds will be put into a pending status two days prior to the due date payment

▶ For payments sent as checks, funds will be drawn from the bank account when the check is processed

▶ eBills allow you to receive bills online and set up automatic payments

eSTATEMENTSeStatements will be available for viewing through Online Banking on the second business day after the statement cutoff date. These are scheduled to be available approximately two weeks after the conversion is complete.

Online Banking will store eStatements for 24 statement cycles. If your account receives a monthly statement, you will have the ability to access up to 24 months of eStatements online. However, if you receive statements more frequently than monthly, you will have the ability to access 24 statements total.

EXPORT TO ACCOUNTING SYSTEMSExporting account transaction detail into a CSV or HTML file is available from the Account Detail page, which allows you to quickly create files for upload into other financial management systems. Export for QuickBooks is also located on the Account Detail page. Customers using QuickBooks WebConnect and Express WebConnect through QuickBooks Online will need to modify their QuickBooks settings to ensure the smooth transition of data.

An Intuit Resource Center is available on our website www.FirstBankTexas.com to guide you through the update of QuickBooks settings. Contact your Treasury Management Officer if you are a QuickBooks Online user and wish to use automated account aggregation.

eDEPOSIT®

To utilize your remote deposit scanner, the deposit experience is not changing. On Monday, February 22, 2021, you will login to make deposits through the new website available on FirstBankTexas.com. You will continue to use your current scanner.

Additionally, please note these important details about eDeposit®:

▶ An email was sent over the weekend of January 15, 2021 with the link to log in and your login credentials.

▶ Multi-Factor Authentication (MFA) will be required to log in from an unregistered computer. MFA for eDeposit® is an image and passphrase with security questions.

▶ Your deposit deadline will be 6:00 p.m. Central Standard Time to receive same-day ledger credit posted to the deposit account.

▶ A history of checks deposited and deposit activity reports will be available for 30 days in eDeposit.

MOBILE REMOTE DEPOSITRunning a business is a time consuming task and it’s not always easy to be in your office to check-in on your accounts. Download our mobile banking app to take care of business wherever you are.

Please see instructions below.

▶ Download the FirstBank & Trust mobile app in the App store or Google Play

▶ To enroll in Mobile Remote Deposit:

y Log in to online/mobile banking

y On left navigation:

— Select services

— Select enroll mobile deposit

— Accept terms and conditions

▶ Default limits are $5,000/day and $10,000/month. To udate your limits, please contact your banker

▶ To make a deposit, log into Mobile Banking using your InBusiness Online Banking login ID and password

TELEPHONE BANKING FirstBank & Trust’s automated Telephone Banking service will assist you with general account inquiries such as balances, deposits, transfers, etc.

The phone number for Telephone Banking is 806.785.5626.

10

WIRE TRANSFERS Instructions for directing a wire transfer deposit to your account will change effective Monday, February 22, 2021. International wires will be processed through Dubuque Bank and Trust (a Heartland bank) on behalf of FirstBank & Trust. Domestic wire instructions are listed below. Please provide the following information to any parties sending wire transfers to your account.

Effective Monday, February 22, 2021

PLEASE NOTE NEW ROUTING NUMBER.

111319347

Incoming wires sent to the old Routing Number will not post to your account.

DOMESTIC INCOMING WIRES When receiving a wire from a United States bank, provide these instructions to the sender:

Receiving Bank: . . . . . . . . . . . . . . . . . . . . . . . . . FirstBank & Trust

Receiving Bank ABA #: . . . . . . . . . . . . . . . . . . . . . . . . 111319347

Beneficiary Name: . . . . . . . . . . . . . . . . . . . . . . . . . . .[Your name]

Beneficiary Address: . . . . . . . . . . . . . . . . . . . . . . [Your address]

Beneficiary Account #: . . . . . . . . . . . . . [Your account number]

INTERNATIONAL INCOMING WIRES

When receiving a wire from a foreign country, provide these instructions to the sender: Receiving Bank: . . . . . . . . . . . . . . .Dubuque Bank and Trust Company

Dubuque, Iowa

SWIFT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .DUBTUS44

Beneficiary Bank: . . . . . . . . . . . . . . . . . . . . . . . FirstBank & Trust

Beneficiary Name: . . . . . . . . . . . . . . . . . . . . . . . . . . [Your name]

Beneficiary Address: . . . . . . . . . . . . . . . . . . . . . . [Your address]

Beneficiary Account #: . . . . . . . . . . . . . [Your account number]

11

Deposit and Payment Deadlines All times listed are Monday–Friday, normal business days, Central Standard Time .

Wire Origination in-person at any FirstBank & Trust Banking Center . . . . . . . . . . . . . . . . . . . . . . . . 3:00 p .m .

Bill Pay Origination for same-day processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3:00 p .m .

Wire Origination via phone with PIN or Online Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4:00 p .m .

Incoming Wire posting cutoff . . . . . . . . . . . . . . . . . . . . . . . . . . 5:00 p .m .

Mobile Deposit for same-day posting . . . . . . . . . . . . . . 6:00 p .m .

Internal account-to-account transfers through Online Banking . . . . . . . . . 7:00 p .m .

Remote Deposit eDeposit® . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7:00 p .m .

Teller Deposits will post the same business day that they are accepted .

12

WIRE TRANSFER OPTIONS Authorized individuals will have these options to submit wire transfers:

▶ Online Banking Request: Commercial customers authorized for online wire initiation can create their own templates for recurring or repetitive transfers. A wire template can be used to initiate a domestic or international wire payment.

▶ Via Telephone: If you desire to initiate a wire request via telephone, you will need to complete and execute a Call-In Wire Agreement.

▶ PINs will be issued to those authorized with a Call-In Wire Agreement. Phone, text or email requests to initiate a wire will not be accepted without a valid PIN (Personal Identification Number).

▶ In Person In Branch: Visit a local branch to complete your wire transfer.

INCOMING WIRES AND WIRE ADVICES We will process incoming wires for same-day credit until 5:00 p.m. Central Time. Wire advice information is available through online banking or via secure email.

RETIREMENT PLAN SERVICES Unlike many of our competitors, we do not have a standard, one-plan-fits-all design. We work with you to develop specific plan provisions, customized to meet employer and employee needs. We have the technological capability to offer automatic plan features and web functionality to make life easier for your benefits team.

Our expertise in plan design allows your leadership team to potentially contribute at a higher level than in the past.

Customized plan design, trustee responsibility and employee education – all to meet the needs of your individual business.1

1Products offered through Heartland Retirement Plan Services are

not FDIC insured, are not bank guaranteed, and may lose value.

COMMERCIAL LOANS

LOANS AND LINES OF CREDITThe terms of your loan or line of credit and charges assessed in accordance with your existing contract will not change, unless you receive a separate notification stating otherwise. Please note that payments to loans, other than lines of credit, will be posted as of the date received.

Your loan number will remain the same unless you receive separate notification with more information.

If you have an automatic loan payment set up from a deposit account, it will remain in effect following the conversion. However, the final payment will not be automatically processed, rather you will receive a billing notice in the mail indicating that final payment is due.

Beginning Monday, February 22, 2021, you may use any of the following methods to make loan payments:

▶ Make a one-time loan payment through Online Banking from any FirstBank & Trust Account.

▶ Drop off your payment at any FirstBank & Trust banking center.

▶ Mail your payment to: Loan Processing P.O. Box 719 Dubuque, IA 52004-0719

▶ Sign up to make automatic payments online through Online Banking.

13

LOCATIONS

LUBBOCK

FirstBank Centre 9816 Slide Road, Lubbock, TX 79424 806.788.0800

MidCity 3405 22nd Street, Lubbock, TX 79410 806.788.0817

North Slide 3004 Slide Road, Lubbock, TX 79407 806.687.6811

South 7806 Indiana Avenue, Lubbock, TX 79423 806.776.0800

South Slide 6502 Slide Road, Suite 110, Lubbock, TX 79424 806.771.2265

West 6501 19th Street, Lubbock, TX 79407 806.401.8760

Abilene 3910 S. Treadaway Boulevard, Abilene, TX 79602 325.733.9100

Amarillo 5701 Time Square Boulevard, Suite 120, Amarillo, TX 79119 806.513.6750

Colorado City 2225 Hickory Street, Colorado City, TX 79512 325.728.3485

Farwell 801 Avenue A, Farwell, TX 79325 806.481.9580

Levelland 110 College Avenue, Levelland, TX 79336 806.894.2265

Littlefield 1810 Hall Avenue, Littlefield, TX 79339 806.385.4441

Please Note: The Littlefield office above will open sometime in February 2021. This will replace the 337 Phelps Avenue and 102 E. Waylon Jennings Boulevard locations in Littlefield.

Miami 100 S. Main, Miami, TX 79059 806.868.2771

Midland 1111 W. Wall Street, Midland, TX 79701 432.617.4567

Muleshoe 101 West American Boulevard, Muleshoe, TX 79347 806.272.4561

Odessa 7281 Tres Hermanas Boulevard, Odessa, TX 79765 432.617.8133

Pampa 1224 N. Hobart Street, Pampa, TX 79065 806.665.0022

Plains 1505 U.S. Hwy. 82, Plains, TX 79355 806.456.2012

Shamrock 305 N. Main, Shamrock, TX 79079 806.256.2181

Snyder 4500 College Avenue, Snyder, TX 79549 325.573.9305

Tahoka 1910 Lockwood, Tahoka, TX 79373 806.998.5395

Wolfforth 702 Donald Preston Drive, Wolfforth, TX 79382 806.687.2462

HeadquartersFirstBank Centre9816 Slide Road

Lubbock, Texas

14

ABOUT FIRSTBANK & TRUSTProviding you with a better way of managing your financial future is at the heart of everything we do at FirstBank & Trust. We’re passionate about developing strong customer relationships and providing you with the highest level of service.

Decisions are made locally by people who know you and know how to help you achieve your dreams. And it means you can rely on us to provide a comprehensive range of products and services that make your life better.

And like AimBank, FirstBank & Trust is dedicated to supporting the communities we serve and fueling the growth of local businesses.

ABOUT HEARTLAND FINANCIAL USA, INC.Founded in 1981, Heartland is a multi-bank holding company with $15 Billion in assets as of September 30, 2020, offering unique banking solutions for business and consumer customers. Heartland’s independent community banks are chartered in the states of Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Texas and California, with over 140 banking locations.

Heartland's growth strategy is to differentiate itself by highlighting its uniqueness as a commercial banking organization supported by a strong consumer delivery system. Heartland Financial USA, Inc. was named a “Forbes Best Bank 2020.” In Forbes' annual review of the largest publicly traded banks and thrifts, Forbes ranked Heartland Financial USA, Inc. 40th among a nationwide group of 100 leading banking organizations with assets ranging from $9 billion to over $2 trillion.

Heartland’s common stock is traded through the NASDAQ® Global Select Market System under the symbol “HTLF.”

HOW TO CONTACT USFirstBank & Trust is committed to making your transition as easy as possible. Below is important information on how you can contact us. If you have questions or concerns, please reach out to us — we are always here to help!

CALL US

On Monday, February 22, 2021, you may call the Customer Care Center at 877.280.1864.

Monday - Friday: 7:00 a.m. - 9:00 p.m. Saturday: 8:00 a.m. - 2:00 p.m.

ONLINE BANKING

You can contact us through Messages within the Online Banking platform.

VISIT US ONLINE

We invite you to learn more about FirstBank & Trust by visiting us at FirstBankTexas.com.

PLEASE BE AWARE OUR NORMAL HOURS OF OPERATION MAY BE IMPACTED BY THE COVID-19 PANDEMIC.

14

Need Assistance? Call Treasury Management Support at 877.812.1558 13

Thank You! Thank you for giving us this opportunity to serve you .

We appreciate your business and look forward to bringing you a smooth transition .

Enriching lives one customer, employee and community at a time.

15

EQUAL HOUSING LENDER | MEMBER FDIC