aT E X A S

M E M B E R F D I C

WELCOME to FirstBank & Trust!

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

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IMPORTANT INFORMATION AND TRANSITION HIGHLIGHTS . . . . . . . . . . . . . . .03

NEED ASSISTANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .04

ACCOUNT SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .05Personal Accounts (Account Conversion Table) . . . . . . . . . . . . . . . . . . . . . . . 05Checks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06Account Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06Routing and Transit Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06Activity Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06Overdraft Privilege . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06Posting Order . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 07FDIC Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 07

CARD SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .07Debit/ATM Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 07Activating and Using your new MasterCard® Debit Card . . . . . . . . . . . . . . . 07Expiration of your AimBank Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 08Limits on Your MasterCard® Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 08Inactive Debit Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 08How you can Ensure a Smooth Transition . . . . . . . . . . . . . . . . . . . . . . . . . . . 08ATM Network and Locations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 08Credit Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 09

ELECTRONIC BANKING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10Accessing Online Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10How Do I Access My Online Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10eStatements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Account Transfers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11External Transfers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Mobile Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Mobile Check Deposit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Mobile Wallet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Text Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Alerts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Pay A Person Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12Money Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12Telephone Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

SAFE DEPOSIT BOXES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12LOANS AND CREDIT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

Consumer Loans, Lines of Credit and Mortgage Loans . . . . . . . . . . . . . . . . 12

WIRE TRANSFERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13Domestic Incoming Wires . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 International Incoming Wires . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

DEPOSIT AND PAYMENT DEADLINES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13HOW TO CONTACT US . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

LOCATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

FIRSTBANK & TRUST ONLINE BANKING LOG IN. . . . . . . . . . . . . . . . . . . . . . . . .16

HOW TO DOWNLOAD LEGACY AIMBANK TRANSACTION HISTORY . . . . . . . . .17

ABOUT FIRSTBANK & TRUST AND HEARTLAND FINANCIAL USA, INC.. . . . . . .18

THANK YOU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

Contents

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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. See page 10 for additional detail.

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. See page 17 for details.

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 Please visit FirstBankTexas.com and sign in to Online Banking and Bill Pay beginning at 8:00 a.m. See page 10 for additional detail.

Download the FirstBank & Trust 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.

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Need Assistance?

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

Beautiful Yellow Daisy Wildflowers in the Palo Duro Canyon State Park

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ACCOUNT SERVICES

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

EXISTING AIMBANK PRODUCT

converts to

NEW FIRSTBANK & TRUST PRODUCT

CHECKING ACCOUNTSFree CheckingPersonal CheckingFree eCheckingaIMazing CheckingClub Checking

Free Checking with eStatement

product #117

Interest CheckingMuleshoe Interest CheckingClub 55Platinum Interest Checking

Platinum Checking

product #155

SAVINGS ACCOUNTS

aimHigh Savings

aimElite Savings

Regular Statement Savings product #510

Signature Series Savings product #552

MONEY MARKET ACCOUNTS

Money Market Premium Money Market

product #187

HEALTH SAVINGS ACCOUNTHealth Savings account IndividualHealth Savings account Family

Health Savings account product #141

CERTIFICATES OF DEPOSIT AND IRASYour account will transfer to FirstBank & Trust and will be administered in accordance with the most recent disclosures provided. When your CD or IRa matures, it will automatically renew into the nearest standard term (3 – 60 months) at current rates and terms available from FirstBank & Trust. Please reference page 7 of the Deposit account agreement and Disclosure book included in this mailing.

To the left is a chart to help you understand how your current personal 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.

We’re doing everything we can to ensure a seamless transition. Below is a simple chart to help you understand how your current personal 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!

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1Overdraft and Returned Item Fee is $35 per presentment. Fees apply to transactions created by check, in-person withdrawal, recurring debit card transactions, or other electronic means. If you opt-in to overdraft coverage, we will charge an overdraft fee on ATM and everyday card transactions. 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 consumer 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 direct deposits and automatic payments will continue uninterrupted.

after Friday, February 19, 2021, you may be contacted by vendors with whom you have an existing automatic payment setup or direct deposit to confirm the routing number change.

Wire payment instructions will also change beginning Monday, February 22, 2021. Details are provided in the Wire Transfer Payments section on page 13 of this guide.

ACTIVITY STATEMENTSa statement of your activity between your last statement date and Friday, 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 Monday, February 22, 2021 at 877.280.1864.

OVERDRAFT PRIVILEGE▶ Overdraft Privilege1 (ODP), is a valuable discretionary

service that FirstBank & Trust will provide on personal 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 personal 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.

OVERDRAFT TRANSFER▶ This service provides overdraft protection from

another checking, savings or money market account. In the event of a negative available balance, the amount overdrawn and a $10 fee will automatically be transferred from the predetermined account to cover the negative available balance. The $10 per use fee will be deducted from the checking account that has this overdraft protection. The $10 Overdraft Transfer fee will not be charged when the account is overdrawn $5 or less.

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SWIPE IN STYLE WITH OUR DEBIT CARD DESIGNS The FirstBank & Trust designed card, as shown below, will be mailed the week of February 8, 2021. We also offer several other designs that you can choose from after Monday, February 22, 2021.

Standard Debit Card

Other designs can be viewed on our website at firstbanktexas.com/debit-card-designs. To select a new design, complete the form on the website or contact your banker.

HSA DEBIT CARDS all Health Savings account customers will receive the HSa card as shown below. Please watch for this card during the week of February 8, 2021.

CARD SERVICESDEBIT/ATM CARDSYour new FirstBank & Trust debit card will be mailed the week of February 8, 2021. Please note that your card has a new number.

PLEASE NOTE: 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® Debit Card

ACTION REQUIRED: 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. Please ensure you are calling from a phone number we have on your account.

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

Health Savings account Debit Card

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 itemsy 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

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 your deposits are greater than $250,000 after the grace period, a bank representative will be happy to meet with you to discuss how to maximize your FDIC insurance coverage.

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EXPIRATION OF YOUR AimBank DEBIT CARD

Your current aimBank Debit Card will expire on Friday, February 19, 2021.

ACTION REQUIRED. It is recommended that you destroy your old aimBank debit card(s) at that time. at the same time, you can activate and begin using your new FirstBank & Trust MasterCard® Debit Card.

LIMITS ON YOUR MASTERCARD® DEBIT CARDBeginning Monday, February 22, 2021, the daily limits of your new MasterCard® Debit Card will be $2,500 for point of sale (POS) and $500 for aTM cash withdrawals. During conversion weekend, limits may vary. If you have a limit that is different than this, we will notify you. Please work with your personal banker after Monday, February 22, 2021, to discuss any necessary changes to your card limits. INACTIVE DEBIT CARDSaimBank Debit Cards that have not been used within the past 12 months will not be replaced at conversion. If you do not receive a new FirstBank & Trust MasterCard® Debit Card and would like to have one, please contact the Customer Care Center at 877.280.1864 or visit your local banking center 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.

HOW YOU CAN ENSURE A SMOOTH MasterCard®

DEBIT CARD TRANSITION all cards will have a new number and expiration date. Please provide your new FirstBank & Trust Debit Card number and expiration date to any merchant where your existing 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.

ATM NETWORK AND LOCATIONSafter initial activation, you may use your new MasterCard® Debit Card at any FirstBank & Trust Network aTM location without incurring a surcharge. FirstBank & Trust is a member of the MoneyPass network.

Locations can be found at FirstBankTexas.com/locations and online at MoneyPass.com.

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Windmill Blowing in West Texas

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1 0% Introductory Annual Percentage Rate (APR) offer valid for 12 months from the date of account opening, then reverts to standard APR thereafter. APR will vary after the introductory period with the market based on Prime Rate. Transactional fees include: Cash Advance, the greater of $5.00 or 3% of the amount of each Cash Advance Transaction, Convenience Check, the greater of $5.00 or 3% of each Convenience Check you write; Balance Transfer, the greater of $5.00 or 3% of each Balance Transfer; an International Transaction Fee of 3% of each transaction in US dollars. Variable purchase and balance transfer transactions APR is 12.75% after the introductory APR. Variable cash advance and convenience check transaction APR is 22.75%. APRs and Fees are accurate as of 1/4/21. Normal underwriting guidelines apply. 23% Cash Back Rewards on the first $20,000 combined net spend annually between gas and groceries. Spend over this amount will receive the 1% Cash Back Rewards in 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. Normal Underwriting guidelines apply.

CREDIT CARDS Get rewarded for your everyday spending with the VISa® Cash Back Rewards Credit Card from FirstBank & Trust. Use your credit card for all purchases and watch how quickly your rewards points add up. Features include:

▶ 0% aPR for 12 months1 on purchases and balance transfers. ▶ No annual fee.1▶ 3% Cash Back Rewards on gas and groceries for your first $20,000

combined net spend annually.2

Use your Cash Back Rewards how you like:

y Deposit into your checking accounty Have your rewards go towards your next credit card billy Redeem for a wide variety of gift cardsy Book your next flight

To apply for the FirstBank & Trust VISa® Credit Card, call or visit your local banking center after Monday, February 22, 2021 or apply online. Please note that all applications are subject to credit approval.

PLEASE NOTE: aimBank credit cards are not being purchased by FirstBank & Trust. If you have a question about an existing aimBank credit card, please contact CREDIT CaRD CUSTOMER SERVICE at 800.367.7576 or https://www.cardaccount.net/.

Sunset Off of Lake Fort Phantom in Abilene

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ELECTRONIC BANKINGACCESSING ONLINE BANKING

ACTION REQUIRED. Please take these steps prior to Friday, February 19, 2021.

FirstBank & Trust’s Online Banking is committed to delivering a rich online experience with a focus on flexibility, security and control. In preparation for the transition to the new online banking system, it is necessary to have an updated phone number and email for our records to verify your identity when logging in.

Verify that your phone number is correct in the current aimBank Online Banking system. Please ensure it is updated by Thursday, February 18, 2021.

On Monday, February 22, 2021, when you log in to FirstBank & Trust's Online Banking you will be asked to select either your home or mobile phone number. a verification code will immediately be sent to your phone via voice call or text message. This code is required to complete the log in process.

On Monday, February 22, 2021, the new online banking system will be available beginning at 8:00 a.m. Detailed login instructions are included on page 16 of this guide.

If you have bookmarked your previous online banking login page, we recommend that you delete it before February 22, 2021.

The following service, and its associated settings or preferences, will not be transferring over during the systems conversion. After February 22, 2021, you may want to establish these features in the new system after you have logged in. At this time, you may set up any automatic account alerts you may have had in the former online banking system.

▶ Person to Person Xfer

PLEASE NOTE: eStatements prior to Friday, February 19, 2021 may not be immediately available in FirstBank & Trust Online Banking. We recommend downloading or printing your last statement and statement history prior to February 19, 2021. If you are in need of an eStatement prior to Friday February 19, 2021, please call the Customer Care Center at 877.280.1864 or send us a secure message through Online Banking after Monday, February 22, 2021.

HOW DO I ACCESS MY ONLINE BANKING?

You will be able to log in to FirstBank & Trust’s Online Banking any time beginning at 8:00 a.m. on Monday, February 22, 2021.

1. Go to FirstBankTexas.com and use the login box located on the home page.

2. Enter your legacy AimBank User ID, which is case-sensitive.

3. Enter your new temporary password: Last four (4) digits of your Social Security Number.

4. You will be prompted to select how your secure access code will be delivered. Codes can be distributed via text or voice call. You will no longer be able to use an email address to receive a secure access code.

5. Change your password.

6. Read and accept the Terms and Conditions for Online Banking.

7. You’re in! at this time, please review any automatic account alerts you may have configured in the former online banking system. Not all alerts may have converted during the transition.

Detailed log in instructions are included on page 16 of this guide.

ONLINE BILL PAYACTION REQUIRED. To ensure proper arrival of payments, please review scheduled payments due February 15 - February 22, 2021, and consider making these payments in advance.

▶ Bill Pay history will convert to the new system.▶ Please know that every attempt will be made to

properly convert all your current payees, addresses and recurring payments based on information from the current provider. On Monday, February 22, 2021, we recommend reviewing all your payments, payees and recurring payments to ensure all were converted properly. If any are missing, you can re-establish them at that time.

▶ PLEASE NOTE: Bill Pay clients will no longer select the processing date. Instead, clients will select the due date to complete payments. Funds are not removed from the account until the due date associated to the payment.

▶ eBills allow you to receive bills online and set up automatic payments. You may enroll each eBill within Online Banking beginning Monday, February 22, 2021. Payees eligible for the eBill service will have a link under the payee’s name when you view your list. Current eBills are expected to convert.

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1Phone service provider fees may apply.

eSTATEMENTSCurrent accounts on eStatements will automatically convert; however, when you log in for the first time after the system conversion, you will need to read and accept the eStatement disclosure. You will receive an email notification detailing when your future FirstBank & Trust eStatements are available in Online Banking. Once you accept your disclosure, if you have any other accounts that are displayed within Online Banking, but were not previously enrolled with an eStatement, those accounts will also be automatically enrolled in eStatements. If you’re not using eStatements now, sign up after conversion.

To sign up for eStatements, simply login to Online Banking and choose “eStatements” from the left menu.

1. Enter your primary email address.2. Enter an alternative email address (optional).3. Click the link to display the Validation Number.4. Enter the Validation Number.5. Click the link to display the disclaimer.6. Check the box next to “I accept the disclaimer”.7. Click the Submit button.

ACCOUNT TRANSFERSRecurring payments established through your existing Bill Pay service and recurring internal transfers established within Online Banking will be converted.

EXTERNAL TRANSFERS FirstBank & Trust’s Online Banking supports the ability to transfer money to external bank accounts.

Please know that every attempt will be made to properly convert all of your external account data. Upon logging in on Monday, February 22, 2021, ensure all current account data and recurring payments are present. If any are missing, you can reestablish them at that time.

MOBILE BANKING1Whether you need to check your account balance at the grocery store or transfer money between accounts while on the go, FirstBank & Trust has you covered with Mobile Banking. and, that’s not all. Our free mobile app1 gives you the opportunity to:

▶ Deposit checks with Mobile Check Deposit▶ Pay bills▶ Enjoy the convenience and security of Mobile

Banking from FirstBank & Trust. Simply download the app on your smartphone and

you are ready to go mobile. The app will be available Monday, February 22, 2021, after 8:00 a.m.

▶ We offer Face ID, Touch ID and Passcode authentication.

MOBILE CHECK DEPOSITWith FirstBank & Trust’s Mobile Banking app, you can deposit checks into your account at anytime from anywhere. Easy to use, you simply decide which account you want to deposit into, and then snap photos of both the front and back of the check. It’s that simple.

MOBILE WALLET APPLE PAY® | SAMSUNG PAY™ | GOOGLE PAY™

FirstBank & Trust will continue to offer apple Pay®, Samsung Pay™ and Google Pay™ as a viable resource for your debit card usage. You will be required to re-enroll your new MasterCard® Debit Card. Visit FirstBankTexas.com/digital-wallet for more information.

TEXT BANKINGACTION REQUIRED. This service will still be available; however, you will notice some changes. after conversion, you will need to re-enroll in text banking. additionally, a few of the text commands will change. More detailed information can be found on

our website at FirstBankTexas.com/personal-banking/online-banking/mobile-banking after February 22, 2021.

ALERTSACTION REQUIRED. The majority of your alerts from the current aimBank Online Banking system are expected to convert. It is recommended that you log in on Monday, February 22, 2021 and ensure that your alert preferences are

accurate. alerts are provided via phone, text or email as important events happen to your accounts. You choose when and how you want to be notified.

PLEASE NOTE: If you have not accessed Online Banking in the past 12 months, your credentials will not be converted. If you would like to access Online Banking after the conversion, please contact the Customer Care Center at 877.280.1864 beginning Monday, February 22, 2021.

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PAY A PERSON PAYMENTSThe Pay a Person feature allows you to send funds to trusted recipients using your bank-issued debit card. Transactions are sent to the recipient, who will receive an email or text message detailing how to retrieve the funds via their debit card or account number.

ACTION REQUIRED. Payees will not convert from the current aimBank Person to Person Xfer feature. Recipients can be set up in the new Pay a Person on Monday, February 22, 2021. You will need to enroll in the new Pay a Person before it can be used.

NOTE: This feature is only available for consumer debit cards . Some debit cards may not be accepted to receive payment . The Pay A Person feature should only be used to send funds to people you know .

MONEY MANAGERSavvy Money Manager allows you to view account data from FristBank & Trust and other institutions, set financial goals and define budgets. Upon logging into the new Online Banking, you can get started by connecting all of your account data in the Money Manager.

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

available 24/7, the phone number for Telephone Banking is 806.785.5626.

LOANS AND CREDITCONSUMER 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.

▶ all consumer closed-end, non-real estate secured loans that are not set up on automatic payments will begin to receive loan billing notices after Monday, February 22, 2021, for payments due.

▶ Lines of credit are posted as billed.▶ Payments to loans will be posted as of the date

received.

▶ Your loan number will remain the same unless you receive separate notification stating otherwise.

▶ 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

▶ Beginning Monday, February 22, 2021, sign up to make automatic payments online through Online Banking.

SAFE DEPOSIT BOXES There are no changes to your safe deposit boxes at this time. access to your safe deposit box will remain the same. any rental pricing changes will be communicated prior to your contract expiration date. Safe deposit boxes are not FDIC insured .

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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 ................. 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.

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

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 bank of our parent company, Heartland Financial USa, Inc.) 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

NEW ROUTING NUMBER

111319347

PLEASE NOTE: Effective Monday, February 22, 2021, incoming wires sent to the old Routing Number will not post to your account.

DOMESTIC INCOMING WIRES When receiving a money 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]

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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.

West Texas Rodeo Roper in Sunset

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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, 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

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FIRSTBANK & TRUST ONLINE BANKING LOGIN INSTRUCTIONS

Enter your current AimBank login User ID and for the password, enter the last four digits of your social security number.

You will be prompted to select voice or SMS text for a secure access code.

You will be prompted to register your device.

Once you receive your secure access code via voice phone call or SMS text message, enter it in the access code screen. Click Submit.

Then you will be prompted to change your password.

Verify your existing information.

Please read and accept the Online Banking Agreement and Disclosure.

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HOW TO DOWNLOAD YOUR AIMBANK TRANSACTION HISTORYTo download transaction history, click on the account tile from the Home page that contains the associated history you want to pull. Within the Transaction History page, click the export button (the down arrow icon).

Upon clicking the export button, you will be presented with the list of available export options. Transaction history can be exported in the following formats: Spreadsheet (XLS), Spreadsheet (CSV), Microsoft OFX (ofx), Quicken (qfx), and Quickbooks (qbo).

alternatively, you can choose to export from the activity Center page.

Clicking the Export button will display a pop-up window. From within the pop-up, click the Download hyperlink associated with the type of transaction history you would like to download. Note that all history downloaded via the activity Center will be in a spreadsheet format.

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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, Missouri, 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.”

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West Texas Canyon Country at Buffalo Springs Lake18

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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.

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T E X A SM E M B E R F D I C

EQUAL HOUSING LENDER | MEMBER FDIC