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Welcome to First Interstate Bank!

CLIENT CONVERSION GUIDE

New Clients from Inland Northwest Bank

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This Conversion Guide has been created especially for our new clients transitioning from Inland Northwest Bank (INB). To help ease your transition from INB to First Interstate Bank, you will find important information in this guide regarding:• Your new First Interstate Bank accounts.• Specific information on the conversion of CDs, loans, checking accounts, savings accounts, debit

cards, and more. • Terms and Conditions of your accounts (detailed in the enclosed “Your Deposit Account” booklet).• Additional products and services now available to you as part of the First Interstate family.

Want to change your account? No problem! If you have an INB checking and/or savings account, a First Interstate Bank checking and/or savings account with similar features has been selected for you. If you would like a different checking and/or savings account than the one we pre-selected, you may change to an account of your choosing starting Tuesday, November 13, 2018. Simply stop by any First Interstate branch or call our Client Contact Center and someone will assist you.

We are here to help: If you have additional questions or if we can be of service, please do not hesitate to call our Client Contact Center at 1-855-342-3400; representatives are available Monday-Friday, 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST) and Saturday from 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST).

Purpose of this Conversion Guide

WHAT WILL HAPPEN TO YOUR ACCOUNTS Your INB accounts will automatically convert to First Interstate Bank accounts between the close of business on Friday, November 9, 2018 and Sunday, November 11, 2018. In most cases, this change will be automatic—you will not have to do anything. There are some accounts and products for which you will receive additional materials in the mail. These mailings are identified in this guide, so you may anticipate their arrival.

Welcome to the First Interstate family!

On Tuesday, November 13, 2018, INB will become First Interstate Bank, giving you access to 147 branches across Idaho, Montana, Oregon, South Dakota, Washington, and Wyoming. We are delighted to have you as one of our newest clients!

A recognized leader in community banking services, First Interstate is a values-based company, driven by strong corporate values. We are deeply committed to the communities we serve and take great pride in our exceptional personal service, which has been a hallmark of our success. As a First Interstate Bank client, you’ll have access to new and innovative financial solutions, including Wealth Management and a credit card with a unique rewards program that features local merchants. Meanwhile, you’ll continue to enjoy personalized service from the bankers you’ve come to know and trust.

In November, your accounts will automatically transfer to First Interstate. We know change can be hard, and it is our goal to make this process as smooth as possible for you. To help you understand how your accounts may change, we are providing you with this conversion guide. If you have questions or concerns, please visit with your local banker or call our Client Contact Center at 1-855-342-3400.

I am excited for the possibilities and opportunities this merger brings as we expand our presence across Idaho, Oregon, and Washington. Our talented team of employees remains committed to delivering a premier banking experience, while always keeping you, our client, at the center of all we do. We look forward to getting to know you, and growing together as your trusted financial partner.

Sincerely,

Kevin Riley President and Chief Executive Officer

Welcome to First Interstate Bank

TABLE OF CONTENTS

Things to Know About First Interstate Bank 4

Personal Checking Accounts 5

Personal Savings Accounts 7

Personal Certificates of Deposit and IRAs 8

Personal Overdraft Services, Loans, and Lines of Credit 9

Personal Credit Cards 10

Important Information About Personal Banking 11

Business Checking Accounts 16

Business Savings Accounts and CDs 18

Business Overdraft Services and Loans 19

Business Credit Cards 20

Treasury Solutions and Business Services 21

Important Information About Business Banking 22

Fee Schedule - Personal and Business 24

First Interstate Bank Locations 28

Important Dates and Information 30

Our branches will be closed on Monday, November 12 in observance of Veterans Day. However, our Client Contact

Center will be fully staffed and ready to assist you.

Client Contact Center: 1-855-342-3400

Monday-Friday, 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST) Saturday, 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST)

Kevin Riley President and Chief Executive Officer

First Interstate BancSystem, Inc.

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It’s you and together. Introducing First Interstate Bank

Headquartered in Billings, Montana, First Interstate Bank is the principal subsidiary of First Interstate BancSystem, Inc. (NASDAQ: FIBK). Founded in 1968, First Interstate is driven by strong values and a long-term, disciplined perspective that emphasizes our commitment to providing high-quality financial products and services as well as delivering exceptional client service. We are passionate about supporting our communities through socially responsible leadership as well as cultivating a strong and positive corporate culture. For more information, please visit firstinterstate.com.

Regional Reach

With the addition of INB, First Interstate proudly serves communities throughout Idaho, Montana, Oregon, South Dakota, Washington, and Wyoming in 147 branch locations.

Accessible When and Where You Need Us

We offer our clients the option of an in-person consultation with our knowledgeable bankers, as well as the convenience of anytime, anywhere digital access, including Online Banking, Mobile Banking, Mobile Deposit, Account Alerts, and Debit Card Text Alert Fraud Prevention.

For ATM access, First Interstate Bank is part of the MoneyPass® ATM network, which provides our clients with service charge-free withdrawals at over 32,000 ATM locations across the country.

First Interstate Wealth Management

As part of the First Interstate family, you now have convenient access to Wealth Management services. At First Interstate Wealth Management, we have the expertise to assist you with both expected issues and the unexpected. We take the time to work personally and comprehensively with our clients, giving you security and peace of mind. No matter what stage of life you’re in, our knowledgeable Wealth Advisors are ready to provide guidance. We’re proud to serve a wide variety of clients with diverse needs, including: • Individuals• Business Owners• Corporate Executives• Foundations• Nonprofit Organizations• Municipalities

Committed to Our Communities

As the charitable affiliate of First Interstate BancSystem, Inc., the First Interstate BancSystem Foundation is funded by and works closely with the Bank. The Foundation’s mission is to establish First Interstate Bank as the premier corporate citizen in the communities we serve. Since its inception in 1990, the Foundation has donated over $25 million in financial support to organizations throughout our footprint. In addition, we’ve fostered several programs and offered gift matching opportunities for our employees to help us strengthen this ethic of giving and ultimately, our impact.

Things to Know About First Interstate Bank

PERSONAL CHECKING ACCOUNTS FDIC insurance limit is $250,000 per depositor, per insured bank.

The chart below outlines your current INB account and the First Interstate Bank account to which it will convert:

Personal Banking: Personal Checking Accounts

Your Current INB Checking Account Your New First Interstate Checking Account

INB CheckingBasic Checking

Bank on DDA

Reward Checking

Preferred CheckingReward Checking II

NOW Checking

INB Checking - Idaho Medical Savings* Idaho Medical Savings (see page 7)

*Additional information will be mailed separately to clients with an Idaho Medical Savings account.

You may continue to use your INB checks until May 31, 2019. After that date, your checks must reflect the First Interstate name and routing number (092901683). An initial starter kit of checks including the First Interstate routing number will be sent to you the week of October 29, 2018. You may begin using your new First Interstate checks on Monday, November 12, 2018.

Updating Your Routing Number

To ensure your payments are processed properly, we recommend you update your routing number as soon as possible after November 12, 2018. Here are some tips to get you started:

• Order new First Interstate Bank checks that include the First Interstate Bank routing number. For your convenience, a starter kit of checks will be sent to all personal checking account clients. To order more checks, simply login to I-Bank Personal Online Banking after November 12 to place your order (personal checks previously ordered online only) or contact your local First Interstate branch after November 13, 2018.

• Update electronic payment information. If you have automatic payments taken from your checking account, you will need to update the routing number to 092901683 after November 12, 2018.

Routing Number Account NumberCheck Number

For more information about First Interstate Bank’s checking accounts, visit firstinterstate.com or call our Client Contact Center at 1-855-342-3400. Representatives are available Monday-Friday, 7:30 a.m. to 7 p.m. MST

(6:30 a.m. to 6 p.m. PST) and Saturday, 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST).

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Personal Banking: Personal Checking Accounts

FEATURES AND BENEFITS OF FIRST INTERSTATE BANK PERSONAL CHECKING ACCOUNTS

PERSONAL SAVINGS ACCOUNTS The chart below outlines your current INB account and the First Interstate Bank account to which it will convert:

Personal Banking: Personal Savings Accounts

FEATURES AND BENEFITS OF FIRST INTERSTATE BANK PERSONAL SAVINGS ACCOUNTS

BASIC CHECKING PREFERRED CHECKING

Amount needed to open account

$100 $100

Minimum balance required

— $1,500 or $5,000 combined1 deposit daily balance

Fee if balance is not maintained

$5/monthWaived when you utilize direct deposit (at least one per month) or setup electronic statements within 30 days of account opening.

$13/month Waived for clients 60 years or older

Interest earned on account

No Yes Market Rate

I-Statements electronic statements

Yes Yes

Paper statements with images

$5/month Yes

Paper statements without images

Yes —

Checks Varies by style (no free option) Free standard or $5 discount on other styles

Debit Card Free Free

I-Bank Online Banking Free Free

I-Pay Bill Pay Free (for 20 payments; 40¢ per payment after first 20 payments)

Free (for 20 payments; 40¢ per payment after first 20 payments)

Mobile Banking Free Free

Account Alerts Free Free

Day & Night Teller ATM Free at FIB locations and where you see the MoneyPass logo

Free at FIB locations and where you see the MoneyPass logo

Direct Deposit Available Available

Overdraft Protection Service

Available with $24 annual fee. Annual fee waived for the first year if enrolled prior to account conversion; transfer fee applies.

Available; transfer fee applies

Courtesy Overdraft Available Available

Safe Deposit Box Discount — $5

Interest Rate Bonus — .10 % on CDs ≥ 2 years

FirstRewards® — 3,000 points earned when FirstRewards credit card opened with Preferred account*

1To calculate your combined balance, we will add the current balances of your other First Interstate Bank deposit accounts (checking, savings, CDs, and IRAs) as of the business day preceding the last day of each statement cycle.

*Subject to credit approval.

Your Current INB Savings Account Your New First Interstate Savings Account

Minor Savings Minor Joint Savings

Minor Savings (UTMA & UGMA) Minor UTMA Savings

INB Savings

Regular SavingsReward Savings

Bank on Savings

Personal Money Market Market Interest Savings

Idaho Medical Savings* Idaho Medical Savings

*Additional information will be mailed separately to clients with an Idaho Medical Savings account.

REGULAR SAVINGS, MINOR JOINT SAVINGS, MINOR UTMA SAVINGS

MARKET INTEREST SAVINGS

IDAHO MEDICAL SAVINGS

Amount needed to open account

$100Minor Savings: $50

$100 $100

Minimum balance required $200Minor Savings: $0

$1,000 $200

Fee if balance is not maintained

$4/month; waived for clients under 18

$11/month $4/month

Interest earned on account Variable rate compounded and credited to account monthly

Variable, 5-Tiered rate:Tier I $0 - $9,999.99 Tier II $10,000 - $49,999.99 Tier III $50,000 - $99,999.99 Tier IV $100,000 - $249,999.99 Tier V > $250,000 compounded and credited to account monthly

Variable, 5-Tiered rate:Tier I $0 - $9,999.99 Tier II $10,000 - $49,999.99 Tier III $50,000 - $99,999.99 Tier IV $100,000 - $249,999.99 Tier V > $250,000 compounded and credited to account monthly

Excessive withdrawal fee $10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.

$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.

$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.

Statements or notices Quarterly statement (or monthly if combined with checking account statement)

Quarterly statement (or monthly if combined with checking account statement)

Annual statement

Other requirements

—

Check safekeeping required For Idaho residents only; contributions to this account may be tax deductible. Please consult a tax professional for more details.

Other Information Minor Savings will convert to Regular Savings when minor turns 18

— —

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CERTIFICATES OF DEPOSIT AND IRAS – PERSONALYour INB Certificate of Deposit (CD) and/or Individual Retirement Account (IRA) will automatically transfer to First Interstate Bank and will not change prior to maturity. First Interstate Bank will assume Custodial/Trustee responsibilities for IRA accounts. Approximately 20 days prior to maturity, you will receive a renewal notice informing you of changes that will occur at renewal. It is important that you retain your original INB documents along with your First Interstate Bank mailing and this conversion guide for your records. Additional information will be mailed separately to clients with an INB SIMPLE IRA.

If you currently utilize the Certificate of Deposit Account Registry Service (CDARS®) at INB, this service will automatically transfer to First Interstate Bank; you should not experience any interruption in service.

Your Current Prime Pacific Bank Account

CERTIFICATE OF DEPOSIT/FIXED RATE IRA

Amount needed to open account $1,000 for terms three to 60 months $10,000 for terms one to two months (CDs only)

Minimum balance required Same as above

Interest earned on account - upon next maturity

Fixed Rate ● Simple Interest ● Credited annually for terms greater than 12 months

or at maturity for terms 12 months or less ● Interest Payment Options

° reinvested (compounded) ° transferred to checking or savings account monthly, quarterly, annually, or at maturity depending

on term ° interest payment may be transferred to another financial institution

Other Information

Client will receive notices for rate changes and at maturity

Auto-renew feature allows client a 10-day grace period to decide whether to renew or cancel a CD/IRA

Personal Banking: Cer tif icates of Deposit and IRAs

Changes to CD and IRA Early Withdrawal Penalties (Upon Next Maturity)

Current New

A penalty may be imposed for withdrawals before maturity. Accounts with original maturity six (6) months or less may have a penalty imposed of 30 days of interest on the amount withdrawn.

If your account has an original maturity of more than six (6) months up to 18 months, a penalty of 90 days of interest on the amount withdrawn may be imposed.

If your account has an original maturity of more than 18 months, a penalty of 180 days of interest on the amount withdrawn may be imposed.

• Less than two months = forfeit all earned interest• Three to 11 months = forfeit greater of three months’ interest earned on

the amount withdrawn or $25• 12-23 months = forfeit greater of six months’ interest earned on the

amount withdrawn or $25• 24-35 months = forfeit greater of 12 months’ interest on the amount

withdrawn or $25• 36 months & over = forfeit greater of 24 months’ interest earned on the

amount withdrawn or $25• No penalty if withdrawal is for major medical expense or death or an IRA after age 59 and a half

PERSONAL OVERDRAFT SERVICES If you currently utilize a checking, savings, or Money Market account, a personal line of credit, or a home equity line of credit for Overdraft Protection, your coverage, transfer amounts, and transfer fees will automatically convert to First Interstate. If you have INB’s Standard Overdraft Privilege coverage including checks, ACH items and recurring debits (typically used for automatic payment of subscriptions, dues, utility payments, etc.), and in-person transactions, it will NOT automatically transfer to First Interstate Bank. If you have INB’s Extended Overdraft Privilege coverage for your ATM and one-time debit card transactions, it will NOT automatically transition into First Interstate Bank’s opt-in coverage, called Debit Card Courtesy Overdraft. See below for more information.

OVERDRAFT OPT-IN (EXTENDED OVERDRAFT PRIVILEGE)If you have opted into INB’s Extended Overdraft Privilege coverage for your ATM and one-time debit card transactions, it will NOT automatically transition into First Interstate Bank’s opt-in coverage, called Debit Card Courtesy Overdraft. Instead, you will need to complete the Debit Card Courtesy Overdraft opt-in form, which will be mailed separately to clients currently enrolled in Extended Overdraft Privilege.

If you are not currently enrolled and are interested in opting into First Interstate’s Debit Card Courtesy Overdraft, simply visit your local First Interstate branch after November 13, 2018. Debit Card Courtesy Overdraft provides clients a way to have their one-time ATM and debit card transactions approved, even if there are not sufficient funds in the account. Upon conversion to First Interstate Bank, the charge for this service is $30 for each Debit Card Courtesy Overdraft transaction.

If you are not currently enrolled in any overdraft service, the following overdraft services will be available to you starting November 12, 2018. Please call our Client Contact Center at 1-855-342-3400 for more information.

Personal Banking: Overdraft Services, Loans, and Lines of Credit

Overdraft Options Cost for Each Overdraft

Automatic transfer from a Checking, Savings, or Market Interest account* $5 transfer fee per transaction; transfers are made in the amount designated by the client. If an amount is not specified, the amount needed to cover the overdraft and the associated transfer fee will be transferred.

First Interstate Bank Mastercard® Credit Card $10 transfer fee for transfers up to $50; $19 transfer fee for transfers over $50.

Transfers occur in the amount needed to cover the overdraft plus the transfer fee; there are no set-up charges.

Balance Plus Line of Credit $5 transfer fee per transaction. Transfers occur in the amount needed to cover the overdraft plus the transfer fee; there are no set-up charges. Interest accrues on transferred amount.**

PERSONAL LOANS & LINES OF CREDITIf you currently have a loan or line of credit at INB, it will automatically transfer to First Interstate Bank.

Your current rates and terms will remain in effect until maturity. You will begin receiving statements from First Interstate Bank, and your loan number and credit terms will not change unless otherwise notified. If your loan payment is set up to be automatically transferred, this service will continue. All payments made after Friday, November 9, 2018, should be made payable to First Interstate Bank and either delivered to one of our convenient branch locations or mailed to: First Interstate BankP.O. Box 31295Billings, MT 59107-1295

*There is an excessive withdrawal fee of $10 per withdrawal if withdrawals from your savings account exceed six (6) per calendar month. This includes overdraft transfers. This fee will not apply to savings transactions made in person, at an ATM, or by mail.

**The Annual Percentage Rate on Balance Plus is 18.00%. Rate subject to change. Balance Plus requires credit approval and applications can be obtained at your local First Interstate branch.

Current New

Quarterly statements provided, unless combined with deposit statements. CDs: No statements will be provided unless combined with a deposit account.

IRAs: Annual Fair Market Value Statement (FMV) will be provided.

Changes to CD and IRA Statements Upon Conversion

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PERSONAL CREDIT CARDSIf you have an INB Visa® credit card, you will receive a new First Interstate Bank Mastercard credit card on or around November 9, 2018. You must activate your new card on or after November 11, 2018, as your INB Visa will not work after that date.

Your credit limit on your new First Interstate Mastercard credit card will be the same as the credit limit on your current INB Visa. In addition, any balance on your current card, as well as new transactions made using your First Interstate credit card, will reflect your current Annual Percentage Rate (APR).

Any existing ScoreCard Rewards points will NOT transfer to your new First Interstate Mastercard credit card. Existing points must be redeemed by January 7, 2019. Any unredeemed points will be forfeited after that date. To redeem, visit ScoreCardRewards.com or call 1-800-854-0790.

Action Needed

• Activate your new First Interstate Bank Mastercard credit card on or after November 11 by calling 1-800-456-6870.

• Update any payment information tied to your INB Visa with your new First Interstate Bank card number and expiration date.

• Register your card through I-Bank Personal Online Banking. If you currently have an account with MyCardStatement.com, your login information will remain the same. Additionally, if you have recurring payments established in MyCardStatement.com, those will continue with your new First Interstate Bank Mastercard credit card. However, beginning November 12, 2018, you will no longer be able to link accounts within MyCardStatement.com.

New Features

• Fraud Alerts: You are automatically enrolled to receive fraud alerts via text message, email, and phone. Alerts will be sent to the cell phone number and/or email provided on your account. Alerts are triggered by transactions that have been identified as potential fraud. For questions or to update your information, please visit your local First Interstate branch or call First Interstate’s Payment Services Department at 1-855-342-3400 (option 5).

• FirstRewards will replace ScoreCard Rewards. Points can be redeemed for gift cards to local businesses or for travel rewards. You can also redeem points for a Mastercard gift card. Visit rewards.firstinterstate.com to learn more.

SECUREDCARD

Personal Banking: Personal Credit Cards

Your Current INB Personal Credit Card Your New First Interstate Bank Personal Credit Card

INB Classic Credit Card

FirstRewards® World MastercardINB Gold Credit Card

INB Platinum Credit Card

ACCOUNT NUMBERS

Checking, Savings, Certificates of Deposit, IRAs, and Loans

• The majority of account numbers will remain the same. A small number of account numbers have been identified as duplicate account numbers with another First Interstate Bank account; as such, we will need to change the account numbers on those few accounts. If your account is impacted in any way, we will contact you personally. If you do not hear from us about updating your account number, you can assume it will remain the same.

• Your new First Interstate Bank account will be subject to the terms and conditions provided in the “Your Deposit Account” booklet included with this guide.

Direct Deposit and Automatic Payments

If you currently have a direct deposit (e.g., payroll, Social Security, government entities, etc.) into your account, or an automatic payment (e.g., insurance or loan payment) out of your account, this will continue. However, on November 12, 2018, the routing number associated with these payments will change to 092901683. First Interstate Bank will send notice of the routing number change to originators. If the originator makes the requested change, you will not need to do anything. However, if the originator does not make the change, you may need to personally contact them. We recommend you utilize the Switch Kit documents located at firstinterstate.com to notify originators of the change to your routing number, especially for payroll and any deposit benefits you receive. If you receive deposits from a government agency, you may find this information useful:

• Social Security Administration: 1-800-SSA-1213 or ssa.gov

• Department of Veterans Affairs: 1-800-827-1000 or va.gov

• Veterans Compensation, Pension & Education: 1-800-827-1000 or benefits.va.gov/benefits

• Internal Revenue Service: 1-800-829-1040 or irs.gov

If you have payments established using a web-based bill payment program other than INB’s, you will need to go into that program and enter First Interstate Bank’s routing number (092901683) and, if applicable, your new account number, for any payments made after Friday, November 9, 2018. All direct deposits and payments must utilize First Interstate’s routing number (092901683) by May 31, 2019 to ensure uninterrupted processing.

CHECKING ACCOUNTS

Checks

• You may continue to use your INB checks until May 31, 2019. After that date, your checks must reflect the First Interstate name and routing number (092901683). An initial starter kit of checks including the First Interstate routing number will be sent to you the week of October 29, 2018. You may begin using your new First Interstate checks on Monday, November 12, 2018.

Debit Cards

• Please continue to use your INB debit card until midnight on Monday, November 12, 2018.

• If you currently have an INB debit card, you will receive a new First Interstate Bank Debit Mastercard, which also serves as your ATM card. You may use your debit card for signature, debit PIN-based, and ATM transactions.

• Please activate your card as soon as you receive it by calling 1-800-342-2974. Beginning Tuesday, November 13, 2018, you may also activate your card using your PIN at a First Interstate Bank ATM or by visiting your local First Interstate branch.

• The PIN for your new First Interstate Debit Mastercard will be the same as the PIN for your INB debit card. For your convenience, you may change your PIN by calling 1-866-656-4592 if you know your current PIN, or by visiting a First Interstate branch after November 13, 2018.

Important Information About Personal Banking

Note: The PIN for your new First Interstate Bank Debit Card will be the same as the PIN for your INB debit card.

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FUNDS AVAILABILITYFirst Interstate’s policy is to make funds available the same day for deposits of cash, checks drawn on First Interstate Bank, and electronic direct deposits such as Automated Clearing House (ACH), wires, and remote deposits. Deposited checks drawn on other banks will be available the next business day after the deposit is made. Funds Availability does not pertain to savings accounts. Please refer to the Funds Availability Policy in the enclosed “Your Deposit Account” booklet.

Important Information About Personal Banking

PERSONAL ONLINE BANKINGIf you currently use personal online banking with INB, all transferring accounts will automatically appear when you convert to First Interstate’s I-Bank Personal Online Banking. There is no charge to use I-Bank Personal Online Banking, which will become available at 8 a.m. MST/7 a.m. PST on Monday, November 12, 2018.

Accessing Your Account

• Your username to access First Interstate’s I-Bank Personal Online Banking will be the same as your INB personal online banking login ID. During the INB First Time Login Setup process (see the next page for instructions), you will be prompted to complete access authentication steps to verify your identity.

• Prior to your first login, we recommend utilizing our “Test Your Browser” feature to ensure your browser specifications meet the new browser requirements; this can be found on the first-time login page at firstinterstate.com.

Important Information About Access to Online Banking During the Conversion

• Your INB personal online banking access will continue until 5 p.m. MST/4 p.m. PST on Friday, November 9, 2018.

• There will be no access to online banking/mobile banking between 5 p.m. MST/4 p.m. PST Friday, November 9, 2018 and 8 a.m. MST/7 a.m. PST Monday, November 12, 2018.

What Will Stay the Same

The following features will automatically convert from INB personal online banking to I-Bank Personal Online Banking:

• Accounts you have access to at INB will convert; however, access to these accounts at First Interstate Bank is dependent upon your account relationship (owner, signer, etc.) and the verified Tax Identification Number (TIN) on each account. If you do not see an account after conversion, please contact your local banker for assistance.

• Account nicknames (maximum of 32 characters; however, nicknames may truncate after 25 characters)

• Checking and Savings Electronic Statements (18 months of your INB statement history will transfer by December 31, 2018)

• Scheduled Recurring Transfers (with the exception of INB mortgage payments and transfers to external accounts) NOTE: Scheduled Recurring Transfers are tied to one user. In cases where multiple users may have access, the transfer will be tied to the primary account holder.

Important Information About Personal Banking

1. For future logins, click on the orange button on the top right-hand side of firstinterstate.com.

2. Select “Online Banking” from the drop down box.

3. Enter your username and password, then click “Sign In.”

1. Visit firstinterstate.com and select the “INB First Time Login” button on the INB Welcome Banner.

2. Enter your existing INB online banking login ID into the First Time Login Setup screen and select “Next.”

3. Enter your Social Security Number or Tax Identification Number into the First Time Login Setup screen and select “Submit.”

4. You will be prompted to review and accept the terms and conditions. Click “See the terms and conditions” to review; click “I Accept” to continue.

5. You will be prompted to change your password; please do so then click “Save and go to my account.”

6. You will be prompted to verify your contact information. Select how you would like to receive your one-time verification code, which is used to confirm your contact information. If your email address is on file, it will be listed as an option; you will be able to edit your email address. You will also have the option to add a phone number if you wish to receive your one-time verification code by text or phone call.

7. Once you select how you wish to be verified, you will receive an email, text, or phone call, depending on your selection. Enter your one-time verification code into the “Enter verification code here” field.

8. You will be able to register your computer so the next time you login, you will not have to repeat the verification process. Or, you may choose not to register the computer, which is recommended if you are using a public computer.

9. Once verification is complete, you will be logged into I-Bank Personal Online Banking and directed to your “My Accounts” page.

Logging Off

Logging off online banking is an important part of keeping your financial information secure.

• To maximize your online banking security, we recommend you click “Logout” in the Menu on the top, right-hand side of the screen.

• For your protection, the system will automatically time out and log you off if you are not actively using the system. This prevents you from inadvertently leaving it open and accessible to others.

First Time Login Steps

After First Time Login Steps

HOW TO USE PERSONAL ONLINE BANKING

Note: To ensure a successful login, we highly recommend you utilize the “Test Your Browser” feature prior to login. If issues are detected, we recommend you address those issues, refresh your browser, and then retest your browser to ensure any issues have been resolved.

Note: You will be prompted to change your username if your current INB online banking login ID does not meet First Interstate’s requirements.

CHECKING ACCOUNTS (CONTINUED)

Debit Cards (continued)

• If you have not received your new First Interstate Bank Debit Mastercard by November 5, 2018, or have additional questions, please call our Client Contact Center at 1-855-342-3400 (option 9) or visit any First Interstate branch.

• Your First Interstate Bank Debit Mastercard will have a new number, so you will need to contact payees if you have any recurring payments tied to your INB debit card.

• The ability to control when your debit card is ON or OFF and the ability to set transaction alerts through Card Valet will no longer be available effective November 13, 2018. You are still protected by Mastercard Zero Liability, which means you are not responsible for unauthorized transactions made using your First Interstate Bank Debit Mastercard. Visit mastercard.us for more information about Zero Liability.

Daily purchase limit: $2,500 Daily ATM withdrawal: $1,005

PERSONAL ONLINE BANKING (CONTINUED)

What Will Change

The following features will NOT automatically convert from INB personal online banking to I-Bank Personal Online Banking:

• Transaction history, including external transfers and person-to-person payments

• Electronic Statements and Notices – only Checking and Savings Electronic Statements will convert. We recommend you download/print a copy of statements or notices from your INB personal online banking system before November 9, 2018.

• Account Alerts – can be re-established after conversion. Do not disturb options are not available.

• Scheduled mortgage payments and mortgage transaction history

• Debit card on/off controls are not available

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Important Information About Personal Banking

ONLINE BILL PAYThere is no monthly charge to use First Interstate’s Online Bill Pay. When paying a bill online, please note that funds will not be withdrawn from your account until the payment is processed by the payee.

Payees

Most payees will automatically transfer to First Interstate Bank’s Online Bill Pay. You will need to manually add any payees that do not automatically transfer to your new online banking profile. We recommend you download/print a copy of your payees and payments from your INB personal online banking system before Friday, November 9, 2018.

Payments

Most established recurring payments will automatically transfer to First Interstate Bank. You will need to manually add any scheduled or recurring payments that do not automatically transfer to your new online banking profile. We recommend you download/print a copy of your payees and payments from your INB personal online banking system before Friday, November 9, 2018.

QUICKEN®/QUICKBOOKS®

If you currently use Quicken or QuickBooks for your personal financial management, your ability to update this software with your INB account data and transactional history will cease on November 9, 2018. It is important to have your account(s) up-to-date within Quicken/QuickBooks prior to 5 p.m. MST (4 p.m. PST) on November 9, 2018, to prevent losing access to this information. Any information not updated prior to this date will need to be keyed in manually.

AUTOMATIC TRANSFERSAutomatic transfers established on your INB checking or savings account will convert to your First Interstate Bank account. However, transfers debiting an external account are only allowed if they are applied to a First Interstate Bank loan. All other transfers debiting an external account will be discontinued on November 9, 2018. If you would like to establish automatic transfers from an account at another financial institution into your new First Interstate Bank checking or savings account, you will need to establish a transfer at the financial institution where the transfer will be originated. Beginning Monday, November 12, 2018, you may use I-Bank Personal Online Banking to establish transfers with no fee using our “Move Money” or “POPmoney” features. Please note, there is a $0.25 transaction fee for automatic transfers established on checking or savings accounts.

FDIC INSURANCEYour transferred deposits are separately insured from any accounts you may already have at First Interstate for at least six months after the date of the merger (through May 9, 2019). This grace period gives you a chance to restructure your accounts, if necessary, to make sure you have 100% FDIC coverage. Time Deposits (CDs) transferred to First Interstate Bank are separately insured until the earliest maturity date after the end of the six-month grace period. Time Deposits (CDs) that mature during the six-month grace period and are renewed for the same term in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month grace period. If a Time Deposit (CD) matures during the six-month grace period and is renewed on any other basis, it is separately insured only until the end of the six-month grace period. If you have concerns about FDIC insurance, please visit your local First Interstate branch and speak to one of our knowledgeable bankers.

MOBILE BANKING

Download the First Interstate Bank Mobile App

It’s easy! Go to your App Store and search for First Interstate Bank. There is no charge to install or use our mobile banking app. With convenient features like mobile check deposit, balance and payment push notifications, account management, internal transfers, a balance widget, and more, it’s no wonder our mobile app averages over four-stars on both the Google Play and Apple App stores.

Login Instructions

Before you login to Mobile Banking for the first time on or after November 12, 2018, you must complete the INB First Time Login process at firstinterstate.com (see instructions on page 13). Once you’ve established your new login credentials, simply use those to login to the mobile app. You will also be prompted to complete access authentication steps to verify your identity.

ONLINE CHECK ORDERINGYour INB check order history will convert to First Interstate Bank, which means you will be able to reorder checks online starting November 12, 2018. Effective Monday, October 29, 2018, you will no longer be able to order INB checks, so please plan accordingly.

TELEPHONE BANKINGIf you prefer to conduct your banking over the phone, we suggest our free, Day & Night Telephone Banking. Telephone Banking is available to you beginning at 8 a.m. MST/7 a.m. PST, Monday, November 12, 2018. Simply call 1-855-342-3400 (option 1) 24 hours per day.

Before using our Telephone Banking service, be sure to have your First Interstate Bank account number(s) handy. You will also need to know your Personal Identification Number (PIN). The first time you call, your PIN will be the last four digits of the Social Security Number or Tax ID of the primary account holder. You will then be instructed to change your PIN to a new four-digit number that only you know.

MORTGAGE LOANSThe servicing and ownership of your mortgage loan will be transferred from INB to First Interstate Bank at close of business on Friday, November 9, 2018. Starting November 12, 2018, First Interstate Bank will collect your payments. Clients with mortgage loans will receive a separate communication with additional details regarding the servicing of their loan.

SAFE DEPOSIT BOXESIf you currently have a safe deposit box with INB, it will automatically transition to First Interstate Bank and be available to you in its existing location. Box sizes available and corresponding annual fees (effective upon renewal date) are as follows:

Important Information About Personal Banking

BOX SIZE IDAHO OREGON WASHINGTON2 x 5 — $40 $25

3 x 5 $30 $40 $30

5 x 5 $40 $55 $40

3 x 10 $45 $65 $45

5 x 10 $61 $75 $61

10 x 10 $94.50 $125 $94.50

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BUSINESS CHECKING ACCOUNTS FDIC insurance limit is $250,000 per depositor, per insured bank.

The chart below outlines your current INB account and the First Interstate Bank account to which it will convert:

Detailed information on your new First Interstate Bank business checking accounts can be found on the next page.

You may continue to use your INB checks until May 31, 2019. After that date, your checks must reflect the First Interstate name and routing number (092901683). An initial starter kit of checks including the First Interstate routing number will be sent to you the week of October 29, 2018. You may begin using your new First Interstate checks on Monday, November 12, 2018.

Updating Your Routing Number

To ensure your payments are processed properly, we recommend you update your routing number as soon as possible after November 12, 2018. Here are some tips to get you started:

• Order new First Interstate Bank checks that include the First Interstate Bank routing number. For your convenience, a starter kit of checks will be sent to all business checking account clients. To order more checks, simply contact your local First Interstate Bank branch after November 13,2018.

• Update electronic payment information. If you have automatic payments taken from your checking account, you will need to update the routing number to 092901683 beginning November 12, 2018.

Business Banking: Business Checking Accounts Business Banking: Business Checking Accounts

FEATURES AND BENEFITS OF FIRST INTERSTATE BANK BUSINESS CHECKING ACCOUNTS

Your Current INB Business Checking Account Your New First Interstate Business Checking Account

Presidents Choice Checking

Basic Business CheckingBizSmart Checking

Business Checking

Analyzed Checking Business Checking

Business W.I.N. CheckingBusiness Checking with Interest

Business Interest Checking

Business Sweep Basic Business Checking with Interest

NOW IOLTA IOLTA (IOLTA - Idaho; IOLTA - Oregon; IOLTA - Washington)

NOW Public Fund State, County, & Municipality (SCM) Interest NOW

Business Public Funds Checking State, County, & Municipality (SCM) Regular Checking

BASIC BUSINESS CHECKING

BUSINESS CHECKING

BUSINESS CHECKING WITH INTEREST

BASIC BUSINESS CHECKING WITH INTEREST

STATE, COUNTY & MUNICIPALITY (SCM) REGULAR CHECKING

STATE, COUNTY & MUNICIPALITY (SCM) INTEREST NOW

Amount needed to open

account

$100 $100 $100 $100 $100 $100

Minimum balance required

$300—

$5,000 $25,000—

$1,000

Monthly maintenance

Fee

$9/month if minimum balance is not maintained

$9/month $10/month if minimum balance is not maintained

$20/month if total deposit balance drops below $25,000

$9/month $10/month if minimum balance is not maintained

Withdrawals (Checks)

First 100 checks - FREE 25¢ per check > 100

15¢ per check 15¢ per check First 50 checks - FREE 25¢ per check > 50

15¢ per check —

Deposits (Tickets)

No Charge 15¢ per deposit10¢ electronic debit or credit

15¢ per deposit10¢ electronic debit or credit

No Charge 15¢ per deposit10¢ electronic debit or credit

No Charge

Charge per deposit item

First 100 deposit items - FREE 25¢ per deposit item > 100

7¢ per FIB item and 10¢ per non-FIB item

7¢ per FIB item and 10¢ per non-FIB item

First 50 deposit items - FREE 25¢ per deposit item > 50

7¢ per FIB item and 10¢ per non-FIB item

—

Interest earned on account

No Earning credit to offset transaction fees and maintenance fee - paid on average monthly collected balance; may not exceed cost of account maintenance and transaction fees

Variable, 4- tier rate: Tier I <$25,000 Tier II $25,000 - $100,000 Tier III $100,000 - $500,000 Tier IV >$500,000 compounded and credited to account monthly

Variable, 4- tier rate: Tier I <$25,000 Tier II $25,000 - $100,000 Tier III $100,000 - $500,000 Tier IV >$500,000 compounded and credited to account monthly

Earning credit to offset transaction fees and maintenance fee - paid on average monthly collected balance; may not exceed cost of account maintenance and transaction fees

Variable Rate

Statements Statements with imaged checks

Statements with imaged checks

Statements with imaged checks

Statements with imaged checks

Statements with imaged checks

Statements with imaged checks

Checks Price varies by style Price varies by style Price varies by style Price varies by style Price varies by style Price varies by style

Overdraft Protection

Service

Overdraft protection may be provided by a First Interstate savings account or Balance Plus

Overdraft protection may be provided by a First Interstate savings account or Balance Plus

Overdraft protection may be provided by a First Interstate savings account or Balance Plus

Overdraft protection may be provided by a First Interstate savings account or Balance Plus

Overdraft protection may be provided by a First Interstate savings account or Balance Plus

Overdraft protection may be provided by a First Interstate savings account or Balance Plus

LAWYER TRUST ACCOUNT (IOLTA) No Monthly Service Charge with this account.

Purpose: Benefits:

• Designed for law firms looking for the ideal account to hold clients’ funds. • Convenient interest-bearing checking account to place pooled funds

• Tiered interest rates

• Net interest paid to support legal aid and legal services

• Reporting provided to applicable state agencies

Routing Number Account NumberCheck Number

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Business Banking: Business Savings Accounts and CDs

BUSINESS SAVINGS ACCOUNTSThe chart below outlines your current INB account and the First Interstate Bank account to which it will convert:

CERTIFICATES OF DEPOSIT – BUSINESSYour INB CD will not change prior to its maturity; existing rates and terms will remain in effect until maturity. Approximately 20 days prior to maturity, you will receive a renewal notice informing you of changes that will occur at renewal. It is important that you retain your original INB documents along with your First Interstate Bank mailing and this conversion guide for your records.

If you currently utilize the Certificate of Deposit Account Registry Service (CDARS®) at INB, this service will automatically transfer to First Interstate Bank; you should not experience an interruption in service.

Your Current INB Business Savings Account Your New First Interstate Business Savings Account

INB Business SavingsBusiness Regular Savings

Sav ITF/NonPro

High Yield Business SavingsBusiness Market Interest

Business Money Market

Money Market Public Funds State, County, & Municipality (SCM) Market Interest

Savings Public Funds State, County, & Municipality (SCM) Regular Savings

Business Banking: Overdraft Services and Loans

BUSINESS REGULAR SAVINGS

BUSINESS MARKET INTEREST

STATE, COUNTY & MUNICIPALITY (SCM) MARKET INTEREST

STATE, COUNTY & MUNICIPALITY (SCM) REGULAR SAVINGS

Amount needed to open account

$100 $100 $100 $100

Minimum balance required $200 $1,000 $1,000 $200

Interest earned on account Variable rate compounded and credited monthly

Variable, 5-Tiered rate: Tier I $0 - $9,999.99 Tier II $10,000 - $49,999.99 Tier III $50,000 - $99,999.99 Tier IV $100,000 - $249,999.99 Tier V > $250,000 compounded and credited to account monthly

Variable, 5-Tiered rate: Tier I $0 - $9,999.99 Tier II $10,000 - $49,999.99 Tier III $50,000 - $99,999.99 Tier IV $100,000 - $249,999.99 Tier V > $250,000 compounded and credited to account monthly

Variable rate compounded and credited monthly

Fee if balance is not maintained $6/month $11/month $11/month $6/month

Charge per deposit item First 25 items deposited - FREE 20¢ per item > 25

First 25 items deposited - FREE 20¢ per item > 25

First 25 items deposited - FREE 20¢ per item > 25

First 25 items deposited - FREE 20¢ per item > 25

Excessive withdrawal fee $10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.

$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.

$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.

$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.

Other requirements — Check safekeeping required Check safekeeping required —

Statements or notices Monthly statement Monthly statement Monthly statement Monthly statement

Overdraft Options Cost for Each Overdraft

Automatic transfer from a Checking, Savings, or Market Interest account* $5 transfer fee per transaction; transfers are made in the amount designated by the client. If an amount is not specified, the amount needed to cover the overdraft and the associated transfer fee will be transferred.

Automatic transfer from a Line of Credit No Fee. Interest accrues on transferred amount.

Balance Plus Line of Credit $5 transfer fee per transaction. Transfers occur in the amount neededto cover the overdraft plus the transfer fee; there are no set-up charges.Interest accrues on transferred amount.**

If you currently utilize a checking, savings, Money Market account, or a business line of credit for Overdraft Protection, your coverage, trans-fer amounts, and transfer fees will automatically convert. If you have INB’s Standard Overdraft Privilege coverage including checks, ACH items and recurring debits (typically used for automatic payment of subscriptions, dues, utility payments, etc.), and in-person transactions, it will NOT automatically convert.

The following overdraft services will be available to you starting November 12, 2018. Please call 1-855-342-3400 (option 4) for more infor-mation.

BUSINESS OVERDRAFT SERVICES

BUSINESS LOANS & LINES OF CREDITIf you currently have a loan or line of credit at INB, it will be transferred to First Interstate Bank.

Business/commercial loans will convert per the terms of your INB notes and security agreements. Your loans will transfer to First Interstate Bank with your current rates and terms in effect until maturity. Your commercial lender will reach out in the coming weeks with more information about your business loan/line of credit.

*There is an excessive withdrawal fee of $10 per withdrawal if withdrawals from your savings account exceed six (6) per calendar month. This includes overdraft transfers. This fee will not apply to savings transactions made in person, at an ATM, or by mail.

**The Annual Percentage Rate on Balance Plus is 18.00%. Rate subject to change. Balance Plus requires credit approval and applications can be obtained atyour local First Interstate branch.

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BUSINESS CREDIT CARDSIf you have an INB Business Visa credit card, you will receive a new First Interstate Bank Mastercard business credit card(s) on or around November 9, 2018. You must activate and use your new First Interstate Bank Mastercard business credit card(s) beginning Sunday, November 11, 2018, as your INB business credit card will not work after that date.

Your credit limit on your new First Interstate Bank credit card will be the same as the credit limit on your current INB Business Visa. However, the terms of your new First Interstate Bank business credit card will change effective Sunday, November 11, 2018. The current balance of your INB Business Visa will transition to these new terms on November 11, 2018. A separate letter detailing these terms, includ-ing your new Annual Percentage Rate (APR), will be sent to the address we have on file.

Any existing ScoreCard Rewards points will NOT transfer to your new First Interstate Mastercard business credit card. Existing points must be redeemed by January 7, 2019. Any unredeemed points will be forfeited after that date. To redeem, visit ScoreCardRewards.com or call 1-800-854-0790.

Action Needed

• Activate your new Mastercard credit card on November 11 by calling 1-866-333-4761.• Notify employees that will be impacted by this change and distribute their new First

Interstate Bank business credit cards when they arrive.• Update any payment information tied to your INB Business Visa with your new First Interstate

Bank business credit card number and expiration date. • If you are currently enrolled in MyCardStatement.com, you will still be able to access your account

using the same username and password. However, beginning November 12, accounts will no lon-ger be linked within MyCardStatement.com. If you need to access multiple accounts online with one log in, please contact First Interstate Bank’s Payment Services Department at 1-855-342-3400 (option 5) to be enrolled in eZBusiness Card Management.

New Features

• Fraud Alerts: You are automatically enrolled to receive fraud alerts via text message, email, and phone. Alerts will be sent to the cell phone number and/or email provided on your account. Alerts are triggered by transactions that have been identified as potential fraud. For questions or to update your information, please visit your local First Interstate branch or call First Interstate’s Payment Services De-partment at 1-855-342-3400 (option 5).

• FirstRewards will replace ScoreCard Rewards. Points can be redeemed for gift cards to local businesses or for travel rewards. You can also redeem points for a Mastercard gift card. Visit rewards.firstinterstate.com to learn more.

Business Banking: Business Credit Cards

Note: You must activate your new First Interstate Bank Mastercard business credit card(s) beginning Sunday, November 11, as your INB business credit card will not work af ter that date.

Your Current INB Business Credit Card Your New First Interstate Bank Business Credit Card

INB Business Visa Credit Card FirstRewards® World Mastercard for Business

Business Banking: Treasury Solutions and Business Services

TREASURY SOLUTIONS Manage your business effectively and efficiently through our extensive range of products and services. We can help you streamline your processes, optimize funds, and automate everyday tasks, resulting in cost-effective management of your cash. From online business banking to remote deposit services, First Interstate Bank offers your business a variety of services to improve your company’s cash management. Visit firstinterstate.com to learn more.

Business Online Banking

If you currently utilize Cash Management Online at INB, you will automatically be transitioned to First Interstate Bank’s Business Online Banking (I-Corp). Because both INB and First Interstate use the same system, the functionality to which you are accustomed will remain in place.

First Interstate Bank also uses the same ACH and wire programs as INB. Please note, the cut-off time to process an ACH file with First Interstate Bank is 5:30 p.m. MST/4:30 p.m. PST. The cut-off time to process a wire is 3 p.m. MST/2 p.m. PST.

I-Corp does not allow duplicate Access IDs; therefore, we will contact clients with duplicate Access IDs in a separate communication. We will work with you to ensure a smooth transition when logging into I-Corp for the first time.

Access to I-Corp Business Online Banking will be available beginning Monday, November 12, 2018. Here’s how to login:

1. Visit firstinterstate.com; click the orange Login button. 2. Select Corporate Online Banking (I-Corp) from the drop- down menu. 3. Enter your Access ID (this is case sensitive) and click Sign In. 4. Enter your password. Click the “Log In” button.

To ensure your automatic enrollment is successful and that all data is transferred during the conversion, administration capabilities for Cash Management Online at INB will end on Friday, November 2, 2018.

Business Mobile Banking

If you currently utilize Business Mobile Banking at INB, we will contact you directly to assist you with gaining access to First Interstate Bank’s Business Mobile Banking service.

Business Bill Pay

If you currently use Business Bill Pay at INB, you will automatically transition to First Interstate Bank’s Business Bill Pay (I-Payables) service. Look for additional, forthcoming communication regarding this service.

As a backup and best practice, we recommend you download/print a copy of your transaction history, electronic statements, bill pay history, bill pay payees, and scheduled bill payments from your INB Business Bill Pay before Friday, November 9, 2018.

Positive Pay

If you currently use Positive Pay at INB, you will be converted to First Interstate Bank’s Positive Payee service. You will receive additional communication regarding this process. Please note, the cut-off time to alert First Interstate Bank with decisions for exceptions is 1 p.m. MST/12 p.m. PST.

Remote Deposit

If you currently use Merchant Source Capture at INB, you will automatically transition to First Interstate Bank’s Merchant Remote Deposit service. Because both INB and First Interstate use the same system, the functionality to which you are accustomed will remain in place. Additional communication regarding this service and your scanners will be forthcoming. Please note, the cut-off time to submit a remote deposit to First Interstate Bank is 7 p.m. MST/6 p.m. PST.

As a backup and best practice, we recommend downloading/printing a copy of the deposit history from your Merchant Source Capture system on or before Friday, November 9, 2018.

We are excited to invite our business clients to attend one of the online webinars we will host in late October/early November. During this webinar, you will discover more about the transition of your

INB Cash Management Services to First Interstate Bank, which will occur at close of business on Friday, November 9, 2018. Look for more information, coming soon!

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ACCOUNT NUMBERS

Checking, Savings, Certificates of Deposit, and Loans

• The majority of account numbers will remain the same. A small number of account numbers have been identified as duplicate account numbers with another First Interstate Bank account; as such, we will need to change the account numbers on those few accounts. If your account is impacted in any way, we will contact you personally. If you do not hear from us about updating your account number, you can assume it will remain the same.

• Your new First Interstate Bank account will be subject to the terms and conditions provided in the “Your Deposit Account” booklet included with this guide.

Automatic Deposits and Payments

If you currently have a direct deposit (e.g., payroll, Social Security, government entities, etc.) into your account, or an automatic payment (e.g., insurance or loan payment) out of your account, this will continue. However, the routing number associated with these payments will change to 092901683 on November 12, 2018. First Interstate Bank will send notice of the routing number change to originators. If the originator makes the requested change, you will not need to do anything. However, if the originator does not make the change, you may need to personally contact them. We recommend you utilize the Switch Kit documents located at firstinterstate.com to notify originators of the change to your routing number, especially for payroll and any other deposits you receive. If you have payments established using a web-based bill payment program, you will need to go into that program and enter First Interstate Bank’s routing number (092901683) and, if applicable, your new account number, for any payments made after Friday, November 9, 2018. All direct deposits, incoming wire transfers, and payments must utilize First Interstate’s routing number (092901683) by May 31, 2019 to ensure uninterrupted processing.

CHECKING ACCOUNTS

Checks

• You may continue to use your INB checks until May 31, 2019. After that date, your checks must reflect the First Interstate name and routing number (092901683). An initial starter kit of checks including the First Interstate routing number will be sent to you the week of October 29, 2018. You may begin using your new First Interstate checks on Monday, November 12, 2018.

Debit Cards

• Please continue to use your INB business debit card until midnight on Monday, November 12, 2018.

• If you currently have an INB debit card, you will receive a new First Interstate Bank Business Debit Mastercard, which also serves as your ATM card. You may use your debit card for signature, debit PIN-based, and ATM transactions.

• Please activate your card as soon as you receive it by calling 1-800-342-2974. Beginning Tuesday, November 13, 2018, you may also activate your card using your PIN at a First Interstate Bank ATM or by visiting your local First Interstate branch.

• The PIN for your new First Interstate debit card will be the same as the PIN for your INB business debit card. For your convenience, you may change your PIN by calling 1-866-656-4592 if you know your current PIN, or by visiting a First Interstate branch after November 13, 2018.

• If you have not received your new First Interstate Bank Business Debit Card by November 5, 2018, or have additional questions, please call our Client Contact Center at 1-855-342-3400 (option 9) or visit any INB branch.

• Your First Interstate Bank Business Debit Mastercard will have a new number, so you will need to contact payees if you have any recurring payments tied to your INB business debit card.

• The ability to control when your debit card is ON or OFF and the ability to set transaction alerts will no longer be available effective November 13, 2018. You are still protected by Mastercard Zero Liability, which means you are not responsible for unauthorized transactions made using your First Interstate Bank Business Debit Mastercard. Visit mastercard.us for more information about Zero Liability.

Daily purchase limit: $5,000 Daily ATM withdrawal: $1,005

Important Information About Business Banking

Note: The PIN for your new First Interstate Bank business debit card will be the same as the PIN for your INB business debit card.

FUNDS AVAILABILITYFirst Interstate’s policy is to make funds available the same day for deposits of cash, checks drawn on First Interstate Bank, and electronic direct deposits such as Automated Clearing House (ACH), wires, and remote deposits. Deposited checks drawn on other banks will be available the next business day after the deposit is made. Funds Availability does not pertain to savings accounts. Please refer to the Funds Availability Policy in the enclosed “Your Deposit Account” booklet.

MERCHANT SERVICESIf you utilize Security Card Services for merchant processing, your existing contract will remain in effect until its expiration date. You should not experience any change or interruption in service as a result of the conversion to First Interstate. If you have questions regarding your merchant processing through Security Card Services, please contact Security Card Services Support at 1-877-995-9198, support@scservices.com, or contact your local INB branch.

QUICKEN®/QUICKBOOKS®

If you currently use Quicken or QuickBooks for your business’ financial management, your ability to update this software with your INB account data and transactional history will cease on November 9, 2018. It is important to have your account(s) up-to-date within Quicken/QuickBooks prior to 5 p.m. MST (4 p.m. PST) on November 9, 2018, to prevent losing access to this information. Any information not updated prior to this date will need to be keyed in manually.

SAFE DEPOSIT BOXIf you currently have a safe deposit box with INB, it will automatically transition to First Interstate Bank and be available to you in its existing location. Box sizes available and corresponding annual fees (effective upon renewal date) are as follows:

Important Information About Business Banking

BOX SIZE IDAHO OREGON WASHINGTON2 x 5 — $40 $25

3 x 5 $30 $40 $30

5 x 5 $40 $55 $40

3 x 10 $45 $65 $45

5 x 10 $61 $75 $61

10 x 10 $94.50 $125 $94.50

TELEPHONE BANKINGIf you prefer to conduct your banking over the phone, we suggest utilizing our free, Day & Night Telephone Banking. Telephone Banking is available to you beginning at 8 a.m. MST/7 a.m. PST on Monday, November 12, 2018. Simply call 1-855-342-3400 (option 1) 24 hours per day.

Before using our Telephone Banking service, be sure to have your First Interstate Bank account number(s) handy. You will also need to know your Personal Identification Number (PIN). The first time you call, your PIN will be the last four digits of the Social Security Number or Tax ID of the primary account holder. You will then be instructed to change your PIN to a new four-digit number that only you know.

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SERVICE FEES:

Stop Payment $32

Pre-authorized payment cancellation $32

Return check/NSF $30

Overdraft paid $30

Continuous overdraft $35 on 4th consecutive business day overdrawn (Prime + 4% on negative available balances on business analysis accounts)

Closed account $10 on checking and savings accounts open less than 90 days

Dormant account $10/month

Uncollected Item(s) - Overdrafts $30

Charged-off checking account $50

Returned deposited item $4

Re-deposit $1

Buy-back $3

Manual item processing $1

Duplicate paper statement $5

Statement special handling $25

PERSONAL DIGITAL BANKING FEES:

I-Bank Personal Online Banking Free

Stop Payment placed in I-Bank $17

Mobile Check Deposit Free

I-Pay Bill Payment Free; 40¢/payment in excess of 20

I-Pay Bill Payment, overnight delivery of payment $14.95

I-Pay Bill Payment, stop payment $32

I-Statements (electronic statements) Free

POPmoney:

• Send money to/request money from others Free

• Stop Payment (payment or transfer) $32

External Transfers:

• Transfer into/out of First Interstate Free

If you do not access your I-Pay or I-Bank account for six months, it will be closed.

Fee Schedule - Personal and Business

MISCELLANEOUS ITEMS:

Counter check first 10 free; 25¢/check thereafter

Official check $5 (First Interstate clients only)

Money order $4 (First Interstate clients only)

Gift Card $3.95 clients; $6.95 non-clients

Travel Card $6.95 clients; $9.95 non-clients

Treasury bill purchase $50

Night Depository lock bags $25/bag

Coin counting/rolling (rollings $2.50 minimum) 1%

Rolled coin purchase 10¢/roll

Check cashing (non-First Interstate clients) $10 for checks over $100

RESEARCH:

Checkbook reconciliation $25/hour ($25 minimum)

Research: Imaged check $1/check

Research: Imaged statement $5/statement

Research time $25/hour

OVERDRAFT PROTECTION:

Account transfer or Balance Plus fee $5

Credit card transfer fee $10 up to $50; $19 over $50

ATM/DEBIT CARDS:

ATM card/debit card replacement $5

ATM transactions made at ATMs other than First Interstate Bank Day & Night Tellers or MoneyPass® ATMs $2.50

ATM Mini-Statement $1

Bobcat/Griz Banking annual fee $15/year

We will assess a fee of 0.9% of the transaction amount of any debit card transaction made in a country other than the United States. If the transaction also involves a currency conversion, we will assess an additional fee of 0.2%. Fees apply to the transaction after it has been converted into U.S. dollars.

Fee Schedule - Personal and Business

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WIRE TRANSFERS & COLLECTIONS:

Wire Transfers:

Incoming wire transfer $10

Outgoing wire transfer (First Interstate clients only):

• Domestic $25

• Foreign $45

Collections:

• Incoming & outgoing $25

• Coupon collection $25

• Oil & gas, envelope draft $35

FOREIGN CURRENCY: FIRST INTERSTATE CLIENTS ONLY

Purchase or Exchange $12

Foreign drafts $12

• Foreign item return $18 + correspondent bank fee

CONSUMER LOAN FEES:

AdvanceLine annual fee $50

Home Equity Line of Credit annual fee $75

Process request for substitution of collateral $50

Process request for change in terms $50

Process request for payment extension $50

Process request for name change on title $25

Coupon book replacement $5

IRA FEES:

IRA transfer fee (to another financial institution) $25

IRA direct rollover fee $25

Fee Schedule - Personal and Business

GARNISHMENT/SUBPOENA FEES:

Garnishment/Levy $100

Subpoena fees:

• Statement $5

• Miscellaneous items (per page) $1

• Labor/Research $25/hour

• Shipping & Handling $Actual cost

SAFE DEPOSIT BOXES:

Check with your local First Interstate Bank branch for size availability and rental rates.

Safe deposit box drilling $150

Safe deposit box replacement key $20

Safe deposit box late fee $10

Services listed may not be available at all First Interstate Bank offices, and fees may vary between First Interstate offices. Other fees may apply to various services listed.

Fees are subject to change.

Fee Schedule - Personal and Business

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First Interstate Bank Locations

Treasure Valley

Boise: Plaza 121121 N. 9th St., Ste. 100208-343-7848

Boise: Overland6981 W. Overland Rd.208-658-6660

Caldwell923 Dearborn St.208-468-4735

Eagle1101 E. Winding Creek Dr.208-939-4096

Emmett250 S. Washington Ave.208-468-4675

Fruitland1850 N. Whitley Dr.208-452-7101

Garden City4128 Adams St.208-386-9902

Kuna840 E. Avalon St.208-922-3834

Meridian: E. Broadway30 E. Broadway Ave.208-888-1416

Meridian: Silverstone3405 E. Overland Rd., Ste. 100208-468-1700

Meridian: Ustick Marketplace3630 N. Eagle Rd.208-468-1680

Mountain Home400 N. 3rd E.208-468-6175

Nampa: 12th Avenue500 12th Ave. S.208-468-0996

Nampa: Karcher1820 Caldwell Blvd.208-468-1660

Coeur d’Alene955 Ironwood Dr.208-664-8747

Hayden (Coeur d’Alene)30 W. Prairie Ave.208-762-1155

Spirit Lake31845 N. 5th Ave.208-623-5700

Bend: 3rd & Revere1700 NE. 3rd St.541-389-7701

Bend: Downtown1100 NW. Wall St.541-385-6200

Bend: East Forum2630 NE. Hwy. 20541-617-9040

Bend: South61250 S. Hwy. 97541-388-1040

Bend: West200 SW. Century Dr.541-382-3686

Madras1150 SW. Hwy 97.541-475-0505

Prineville555 NW. 3rd St.541-447-4105

Redmond154 SW. 6th St.541-504-2200

Sisters272 E. Main Ave.541-549-2061

Bandon1110 Oregon Ave. SW.541-347-9422

Lincoln City1931 NW. Hwy. 101541-994-2161

Newport10 S. Coast Hwy.541-265-2258

North Bend1611 Virginia Ave.541-756-3102

Reedsport178 N. 6th St.541-271-2126

Seaside300 S. Holladay Dr.503-738-8311

Ashland2305 Ashland St., Ste. B541-482-5411

Grants Pass: North1304 NW. 6th St.541-474-7278

Grants Pass: South265 Union Ave.541-476-3128

Klamath Falls421 S. 7th St.541-883-4980

Medford: Crater Lake Hwy.3100 Crater Lake Hwy.541-608-9899

Medford: Biddle Rd.1000 Biddle Rd.541-779-1141

Medford: West Main222 W. Main St.541-772-3384

Roseburg780 NW. Garden Valley Blvd.,Ste. 61541-672-7712

Eugene899 Pearl St.541-344-5424

Hood River2500 Cascade Ave.541-308-1300

Lake Oswego4900 Meadows Rd., Ste. 140503-549-3740

Portland888 SW. 5th Ave., Ste. 1000503-499-5999

Salem520 Hawthorne Ave. SE.503-399-7891

Springfield1008 Harlow Rd.541-741-8280

The Dalles1100 W. 6th St.541-298-2600

Willamette Valley

Gallatin

Missoula

Absarokee3 S. Woodard Ave.406-328-4742

Columbus36 N. 9th St.406-322-4731

Red Lodge602 N. Broadway Ave.406-446-1422

Billings: Lockwood2850 Old Hardin Rd.406-237-1800

Billings: Shiloh830 Shiloh Crossing Blvd.406-255-5858

Billings: West2501 Central Ave.406-255-6100

Hardin:402 N. Center 406-665-3822

Laurel401 SE. 4th St.406-628-2200

Whitefish306 Spokane Ave.406-863-8888

Belgrade: Main98 N. Broadway406-388-4283

Belgrade: T&C205 W. Madison Ave. 406-388-9550

Bozeman: Main202 W. Main406-556-4900

Bozeman: Gallatin Ctr.2023 Burke St.406-556-1058

Bozeman: MSU268 Strand Union Bldg.406-586-0757

Bozeman: West2800 W. Main406-586-4555

Ennis118 W. Williams St.406-682-3124

Hamilton1501 N. 1st St.406-375-6900

Missoula: Downtown101 E. Front St.406-523-4200

Missoula: North2500 N. Reserve406-523-4418

Missoula: South3502 Brooks406-523-4417

Beartooth

Billings

Colstrip6210 Main St.406-748-2840

Lame Deer502 Cheyenne Ave.406-477-8911

Miles City2909 Dickinson St.406-232-5590

Eastern Montana

Oregon Coast

Southern OregonCentral Oregon

Sunriver57150 Beaver Dr.541-593-8101

Gardiner903 Scott St. W.406-848-7474

Livingston207 W. Callender406-222-2950

IDAHO OREGON

MONTANA

Billings: Downtown401 N. 31st St.406-255-5000

Billings: Drive-up302 N. 31st St.406-255-5292

Billings: Heights730 Main St.406-255-5800

Billings: Grand3199 Grand Ave.406-255-6090

Flathead

Bigfork800 Grand Ave. 406-837-1600

Eureka508 Hwy. 93 N.406-297-3116

Kalispell: Main2 Main St.406-751-2500

Kalispell: Evergreen100 E. Cottonwood Dr.406-758-7600

Kalispell: North100 Hutton Ranch Rd.406-751-2522

Kalispell: Drive-up112 E. Montana St.406-751-2500

Lakeside7265 US Hwy. 93 S.406-844-2535

Polson49573 US Hwy. 93406-883-8800

Great Falls: 10th Ave. S.2601 10th Ave. S.406-454-6200

Great Falls: Downtown211 5th St. N.406-454-6200

Great Falls: West12 3rd St. NW.406-454-6200

Helena: East2728 Colonial Dr.406-443-4381

Helena: Gulch25 E. Lyndale Ave.406-457-7151

Helena: North3401 N. Montana Ave.406-457-7171

Helena: RBC2021 N. Montana Ave.406-422-1616

Helena: Touchmark915 Saddle Dr.406-422-1620

North Central

Cut Bank24 E. Main St.406-873-2265

First Interstate Bank Locations

New Underwood404 S. A Ave.605-754-6421

Wall418 Main St.605-279-2141

Northern Hills

Belle Fourche41 5th Ave.605-892-2041

Deadwood152 Sherman St.605-578-1792

Lead145 Glendale Dr., Ste. 4605-717-9340

Spearfish: Lookout Mountain311 N. 27th St.605-717-0727

Spearfish: Main1400 North Ave.605-642-2734

Sturgis1200 Main St.605-347-2562

Rapid City

Rapid City: East711 N. Creek Dr.605-718-2265

Rapid City: Gateway333 W. Blvd., Ste. 100605-348-3322

Southern Hills

Custer: Main648 Mt. Rushmore Rd.605-673-2215

Custer: Drive-up40 N. 5th St.605-673-2215

Edgemont501 2nd Ave.605-662-2265

Hill City351 E. Main St.605-574-2531

Hot Springs343 S. Chicago St.605-745-6060

Columbia Basin

Ephrata66 Basin St. SW.509-717-2255

Kennewick8127 W. Grandridge Blvd.509-579-0730

Greater Spokane

Airway Heights11917 W. Sunset Hwy.509-244-4840

Spokane: Downtown421 W. Riverside Ave.509-456-8888

Spokane: Northside518 W. Francis Ave.509-323-1144

Spokane: South Hill2905 E. 57th Ave.509-448-7770

Spokane: U District2110 N. Ruby St. 509-232-4666

Spokane Valley15015 E. Sprague Ave. 509-924-1033

SOUTH DAKOTA WASHINGTON

WYOMING

Casper: Downtown104 S. Wolcott St.307-235-4201

Casper: Drive-up124 N. Wolcott St.307-235-4201

Casper: East521 SE. Wyoming Blvd.307-235-4384

Casper: Mills300 SW. Wyoming Blvd.307-235-4448

Jackson: Albertsons105 Buffalo Way307-734-7373

Jackson: Downtown120 E. Broadway307-734-7373

Jackson: Main842 W. Broadway307-734-7373

Buffalo40 E. Hart St.307-684-2581

Gillette: Downtown222 S. Gillette Ave.307-686-4700

Gillette: South2801 S. Douglas307-686-4790

Sheridan: Downtown4 S. Main307-674-7411

Sheridan: Drive-up24 S. Brooks307-674-7411

Sheridan: Sugarland1613 Coffeen Ave.307-672-1501

Northern WyomingCentral Wyoming

Jackson

Lander8118 Hwy. 789307-332-7500

Riverton323 E. Main307-856-2211

Riverton

Cheyenne: Downtown401 W. 19th St.307-633-8400

Cheyenne: Dell Range4612 Rue Terre307-633-8476

Laramie221 E. Ivinson St.307-721-4600

Southern Wyoming

The Palouse

Colfax402 S. Main St.509-397-1007

Fairfield213 E. Main St.509-283-2126

Rockford5 W. Emma St.509-291-5029

Rosalia523 S. Whitman St. 509-523-3208

Spangle130 W. First St. 509-245-3226

Southwest Washington

Bingen111 N. Oak St. 509-315-1648

Cathlamet75 Main St.360-795-3281

Lynnwood2502 196th St. SW., Ste. 110425-712-9898

Raymond314 Duryea St.360-942-3425

Westport620 N. Montesano St.360-268-9155

Badlands

North Idaho

3130

Important Dates and Information Important Dates and Information

CUSTOMER CHECKLISTAs Soon As Possible

Verify that INB has your current address, phone number, and email. This information will automatically transfer to First Interstate Bank in November, and will help ensure a smooth transition of services.

Before Friday, November 9, 2018

Access to INB’s online and mobile banking will end at 5 p.m. MST/4 p.m. PST on Friday, November 9. Before then, be sure to: Download/print a list of your Bill Pay PayeesDownload/print a list of your Recurring Bill PaymentsDownload/print your past Electronic StatementsBe sure you know your login ID for Online Banking

Sunday, November 11, 2018

Credit Card: Activate your new First Interstate Bank Mastercard credit card by calling 1-800-456-6870. Update any payment information tied to your INB Visa credit card with your new First Interstate Bank Mastercard credit card number and expiration date.

Monday, November 12, 2018

ATM: Begin using any First Interstate Bank ATM or MoneyPass Network ATM free of charge. Branches: Branches are closed November 12 in observance of Veterans Day. For immediate support, please call our Client Contact Center at 1-855-342-3400. Browser: You must have a current, updated, and supported browser for online banking to operate properly. We recommend you utilize our “Test Your Browser” link at firstinterstate.com to ensure your browser is up-to-date.Client Contact Center: Our Client Contact Center will be fully staffed and ready to assist you with questions. Representatives are available Monday-Friday, 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST) and Saturday 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST). Checks: Begin using your new First Interstate Bank checks. To order more checks, simply login to I-Bank Personal Online Banking (personal checks previously ordered online only) or visit your local branch after November 13 (branches are closed Monday, November 12 in

observance of Veterans Day). Debit Card: Activate your new First Interstate Bank Debit Mastercard by calling 1-800-342-2974; your INB debit card will be deactivated at midnight on November 12. • If you have not received your new First Interstate Bank Debit Mastercard by November 5, 2018, or have additional questions, please call our Client Contact Center at 1-855-342-3400. Online Banking: Access to First Interstate’s Online Banking will be available at 8 a.m. MST/7 a.m. PST on Monday, November 12. Login to I-Bank Personal Online Banking using the first-time login steps on page 13 of this guide; login to I-Corp Business Online Banking using the login steps on page 21. Mobile Banking: After you’ve successfully logged into Online Banking, be sure and download the First Interstate Bank Mobile Banking App at no charge. • Before you login to Mobile Banking for the first time on or after November 12, 2018, you must complete the INB First Time Login process at firstinterstate.com. Once you’ve established your new login credentials, simply use those to login to the mobile app. You will also be prompted to complete access authentication steps to verify your identity.• For assistance with Business Mobile Banking, please contact First Interstate’s Treasury support line at 1-888-833-3450 (option 2). Telephone Banking: You now have access to Day & Night Telephone Banking, which is available 24 hours a day. Simply call 1-855-342-3400 (option 1).

Tuesday, November 13, 2018

Branches: First Interstate branches are now open and ready to serve you! See pages 28-29 of this guide for a full list of locations, and visit firstinterstate.com for branch hours. Debit Card: Begin using your First Interstate Bank Debit Mastercard. After your first successful transaction, please destroy your old INB debit card.

UPCOMING DEADLINESMonday, October 29, 2018

• This is the last day to order INB checks. A starter kit of First Interstate checks will be sent to you to use beginning Monday, November 12. If you need additional checks to use between October 29 and November 12, please contact your local INB branch.

Friday, November 2, 2018

• Administration capabilities for Cash Management Online at INB end today.

Friday, November 9, 2018

• Mobile deposits will no longer be accepted through INB’s mobile banking app after 12 p.m. MST/11 a.m. PST. Access to INB’s mobile banking app will end at 5 p.m. MST/4 p.m. PST. • Access to INB’s personal and business online banking, online bill pay, and mobile banking will end at 5 p.m. MST/4 p.m. PST. • Be sure all information in Quicken/Quickbooks is up-to-date before 5 p.m. MST/4 p.m. PST.

Monday, November 12, 2018

• Access to First Interstate’s Personal and Business Online Banking, Online Bill Pay, and Mobile Banking will be available at 8 a.m. MST/7 a.m. PST. • Begin using your new First Interstate Bank Mastercard credit card. • Order new checks with the First Interstate routing number and begin updating your routing number on electronic payments to 092901683.• All loan and credit card payments are now payable to First Interstate Bank. You may make a payment at the branch or via mail to one of the following addresses:

• Conversion Impact on Statements: Per regulations, all depositors will receive a short-period paper statement of transactions from INB through November 12, 2018, as well as a regularly scheduled statement for November. Your first statement generated after conversion will include transactions from November 13 through your regularly scheduled statement cycle date. The short-period statement from INB as well as the first post-conversion statement from First Interstate may not include all fees and charges outlined in the Fee Schedule or the terms and conditions of your account.

Tuesday, November 13, 2018

• Begin using your new First Interstate Bank Debit Mastercard; your INB debit card will be deactivated at midnight on Monday, November 12, 2018.

Monday, January 7, 2019

• Redeem any existing ScoreCard Rewards points by today. To redeem, visit ScoreCardRewards.com or call 1-800-854-0790. Any unredeemed points will be forfeited after this date.

Friday, May 31, 2019

• Make sure all checks and electronic payment information references First Interstate’s routing number (092901683). Payments that reference INB’s routing number will be returned after today.

Personal Loans

First Interstate Bank P.O. Box 31295 Billings, MT 59107-1295

Mortgage Loans

First Interstate Bank P.O. Box 30937 Billings, MT 59107-0937

Credit Cards

First Interstate Bank P.O. Box 31615 Billings, MT 59107-1615

CONTACT USCLIENT CONTACT CENTER

1-855-342-3400Monday - Friday: 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST)Saturday: 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST)

TELEPHONE BANKING

1-855-342-3400 (option 1)24 hours a day; available beginning Monday, November 12, 2018

firstinterstate.com

Questions? Call our Client Contact Center: 1-855-342-3400

Monday-Friday: 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST) Saturday: 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST)

Choose From the Following Options:

Option 1: 24-hour Automated BankingOption 2: Activate a new Debit Card or change your PINOption 3: Checking, Savings, or Loan account informationOption 4: Treasury Services (business users)Option 5: Credit Cards

Option 6: Existing Home Loans Option 7: Online Banking and Bill PayOption 8: Automobile LoansOption 9: All other inquiries