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WELCOME TO FIRST INTERSTATE BANK

• Frequently Asked Questions Pages 2 & 3• Your New Checking and Savings Accounts Pages 4 - 9• Overdraft Protection Pages 10 & 11• Debit Cards Pages 12 - 14• Credit Cards Page 15• Your New Personal CDs and IRAs Page 16• Personal Online and Mobile Banking Pages 17 & 18• Business Online and Mobile Banking Pages 19 & 20• Additional Cash Management Services Pages 21 & 22• Personal and Business Loans 3• Additional Products and Services Pages 24 & 25• Our Commitment to Community Page 26• Fee Schedule Page 27• Locations Pages 28 & 29

FIRST INTERSTATE BANK CONVERSION GUIDE

→ TABLE OF CONTENTS

First Interstate Bank has been serving the financial needs of our personal and business customers for over 40 years. As a recognized leader in community banking services, First Interstate is driven by strong family and corporate values as well as a commitment to providing exemplary customer service, exceeding customer expectations through our products and services, and supporting, with leadership and resources, the communities we serve. We are proud to operate more than 70 banking offices, along with online and mobile banking services, throughout Montana, Wyoming, and South Dakota.

In This GuideTo help ease your transition from Mountain West Bank to First Interstate Bank, you will find in this guide information regarding:

• Your new First Interstate Bank accounts as they compare to your Mountain West accounts. • Specific information on the conversion of CDs, loans, checking accounts, savings accounts, ATM cards, debit cards,

and more. Just look for the appropriate product heading to learn more.• Terms and conditions of your accounts (detailed in the enclosed “Your Deposit Account” booklet) and other

important facts and service fees.

• Products and services that are now available to you as part of the First Interstate family.

What Will Happen to Your AccountsYour Mountain West Bank accounts will automatically be converted to First Interstate Bank accounts after the close of business on Friday, October 17, 2014, through Sunday, October 19, 2014. 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 additional mailings are identified in this guide so that you may anticipate their arrival.

Want to Change Your Account? No Problem!If you have a Mountain West 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 can change to an account of your choosing starting October 20, 2014. Simply stop by any First Interstate Bank branch and we will assist you.

Questions?This account conversion guide has been developed to answer questions you may have regarding the conversion of your Mountain West Bank accounts to First Interstate Bank. If you have any additional questions, please visit your local First Interstate Bank branch or call our special customer service hotline at 1-888-833-3451, Monday – Friday from 7:30am to 6pm.

FIRST INTERSTATE BANK — Conversion Guide 1

WELCOME TO FIRST INTERSTATE BANK

WELCOME ←

FREQUENTLY ASKED QUESTIONS

If you don’t find the answers to your particular questions here or in the Products and Services section in this guide, stop by your local

branch office of First Interstate Bank or call 1-888-833-3451. We’re available to answer your questions.

FIRST INTERSTATE BANK — Conversion Guide

I’m not familiar with First Interstate; can you tell me more about the company?First Interstate Bank is an $8 billion community banking organization headquartered in Billings, Montana. With more than 70 branches throughout Montana, Wyoming, and South Dakota, we have grown our business through a long-term, disciplined perspective that emphasizes our commitment to providing high-quality financial products and services, and delivering exceptional customer service. We also believe strongly in assisting our communities through socially responsible leadership as well as cultivating a strong and positive corporate culture. We intend to remain a leader in our markets by continuing to adhere to these core principles and values that have contributed to our growth and success.

Will my account numbers change?Other than a few exceptions, your checking, CD, IRA, savings account, and loan numbers will not change. If your account is one that will require the account number to change, you will be notified in a separate mailing.

Do I use the same checks I have now?Yes, you can continue using your current Mountain West checks until they are gone, even after October 17, 2014. All new check orders made after that date should have First Interstate’s name and routing number (092901683). Please feel free to contact any First Interstate Bank branch and we will assist you with your new check order. If you order your checks through another vendor, you will need to give them your updated information.

Will I continue to receive my deposit statements as usual?You will receive a final deposit account summary from Mountain West Bank for all transactions through October 17, 2014. You will receive deposit account statements from First Interstate for transactions and balances within the first 30 days after October 20, 2014.

Will fees and service charges change?There may be some changes to the terms and conditions governing your account. We have selected the First

Interstate account that is most similar to the one you currently have with Mountain West. You may find that some fees and charges will change, while others may stay the same. We have highlighted how each account works in the pages that follow. Please review the enclosed “Your Deposit Account” booklet as well as the Fee Schedule on page 27 for important information concerning your accounts.

Will rates on my CDs and IRAs change?You will continue to earn the interest rate guaranteed on your CD and/or IRA when you opened your account at Mountain West, or at its last renewal, for the remainder of the account term. Upon maturity, CDs and IRAs may be renewed at First Interstate Bank’s current market rates in effect on that date, unless otherwise notified.

How will this transition affect direct deposits to my account, such as pension and social security?Direct deposits and direct debits will continue to post to your account(s). First Interstate Bank will notify the originators of the new routing

2

→ FREQUENTLY ASKED QUESTIONS


number. Government originators are quick to revise this type of data. Unfortunately, others do not always revise the information when notified. If we cannot get the originator to make the revisions we request, you may need to contact those parties.

Does FDIC insurance still apply?Yes, your deposits at First Interstate Bank are FDIC insured to at least $250,000 per account holder ($250,000 per IRA plan). Customers who have questions about the $250,000 FDIC limit should contact their local First Interstate Bank branch.

What about my Mountain West Bank debit and ATM cards; can I still use them?Yes, you can continue to use your Mountain West Bank debit and ATM cards through midnight on Sunday, October 19, 2014. If you have a Mountain West debit and/or ATM card, you will receive a new First Interstate debit and/or ATM card on or before October 6, 2014. You will be able to start using your new First Interstate Bank card on Monday, October 20, 2014. At that time, we suggest you immediately destroy your old Mountain West debit and/or ATM card. If you have any pre-authorized charges tied to your Mountain West Bank debit card, you will need to inform all appropriate parties of your new First Interstate Bank debit card number.

Where do I send my loan payments after the conversion?Beginning October 20, 2014, loan payments can be made at any First Interstate Bank location or by mail. If

you have a Mountain West payment booklet, continue to use those payment coupons. Send your payment to:

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

Can I still access my accounts by phone?Yes. Beginning October 20, 2014, you can utilize First Interstate’s free 24-hour Day & Night Telephone Banking service by calling 1-888-752-3341. If you currently utilize Telephone Banking at Mountain West, you will be automatically enrolled in First Interstate’s Day & Night Telephone Banking. For these customers, the last four digits of your Social Security Number will be your passcode to use First Interstate’s Telephone Banking

I currently bank online with Mountain West. Do I have to change anything to continue with this service?You will automatically be set up with a new online banking profile with First Interstate Bank. For more information, please see the Personal Online and Mobile Banking section of this guide on page 17. If you are a Business Online Banking user, please see page 19.

Will I still be able to access my Mountain West Bank history in online banking?Mountain West online customers will be able to access their Mountain West transaction history via mtnwestbank.com through March 31, 2015.

Do I have to do anything with my safe deposit box?If you currently have a safe deposit box at Mountain West Bank, you will have a safe deposit box when the transition to First Interstate Bank occurs. However, there may be some changes as a result of the conversion. Some boxes will be moved to new locations; others will remain the same. Safe deposit box holders will receive a separate communication with specific details, including any required action, regarding their safe deposit box.

When will the offices be open and what will be the hours?First Interstate Bank has over 70 banking locations throughout Montana, Wyoming, and South Dakota. For a complete listing of locations and hours, please visit our website, firstinterstate.com.

If I still have more questions, is there anyone I can talk to?Of course! Visit one of our local First Interstate locations, and our employees can assist you in person. Or, you can call our special customer support hotline at 1-888-833-3451, Monday – Friday, 7:30am to 6pm.

What will happen to the Summit Club?First Interstate understands the special relationship Mountain West has with its Summit Club members. At First Interstate, members will enjoy even better banking benefits, as well as the continued opportunity to participate in community, social, and educational events hosted by the bank.

FREQUENTLY ASKED QUESTIONS continued ←

YOUR NEW CHECKING AND SAVINGS ACCOUNTS

→ CHECKING & SAVINGS

FIRST INTERSTATE BANK — Conversion Guide4

Your Mountain West Bank personal or business checking and savings account will automatically be converted to a similar

First Interstate Bank checking or savings account on Monday, October 20, 2014.

How We Selected Your New Checking or Savings AccountFor purposes of this conversion, we have selected a First Interstate Bank checking or savings account for you based on the similarity of your current Mountain West Bank checking or savings account.

BUSINESS CHECKING ACCOUNTS

Mountain West Accounts First Interstate Bank Accounts

Regular Peak Business Business Checking

Peak Interest Plus Basic Business Checking with Interest

Non-Profit Treasury Plus Checking Community Benefit Organization Checking

Peak Free Business Checking Basic Business Checking (item fees will be waived)

IOLTA Accounts IOLTA Account

REPO REPO Account

BUSINESS SAVINGS ACCOUNTS

Business Peak Savings Business Regular Savings

Business Treasury Plus Money Market Savings Business Market Interest Savings

PERSONAL CHECKING ACCOUNTS

Mountain West Accounts First Interstate Bank Accounts

Basic Checking Regular Checking

Traditional Checking Regular Checking

Select Checking Regular Checking

Premium Checking Preferred Checking

Treasury Plus Checking MarketManager Checking

E-Plus Checking Regular Checking

Summit Club Checking Preferred Checking (maintenance fee will be waived)

Front Range Free Checking Free Checking

PERSONAL SAVINGS ACCOUNTS

Health Savings Account Health Savings Account

MSA Checking Montana Medical Savings Account

Tiered Savings Account Regular Savings

Christmas Club Christmas Club

Money Market Account Market Interest Savings

Peak Money Market Market Interest Savings

Quarterly Savings Account Regular Savings

Savings Transfer (NOW) Savings Account Regular Savings

CHECKING & SAVINGS continued ←


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 October 20, 2014. Simply stop by any First Interstate branch and we will assist you.

First Interstate Bank offers a wide range of checking and savings account options, each with a variety of added benefits to make your life a little easier. You will find complete descriptions of First Interstate’s checking and savings accounts—personal and business—on the following pages.

→ CHECKING & SAVINGS continued


*Limit of one account utilizing combined balance option **Subject to approval

PERSONAL MARKETMANAGER PREFERRED CHECKING REGULAR CHECKING FREE CHECKING

Earn interest while having access to premium account benefits.

Full service checking account that earns interest with easy access to funds.

Maintain a lower balance with access to a full range of account features.

Basic account for active online customers who are always on the go.

Minimum balance requirement $50,000 in other combined First Interstate deposits*

$1,500 in Preferred Checking or $5,000 in other combined First Interstate deposits $500 in Regular Checking

Monthly maintenance fee if balance below minimum $25 $13 (waived for customers 60 years or

older) $9

Other requirements

Direct deposit (at least one per month) or electronic statements set up within 30 days of account opening. If neither occurs, a $5

monthly maintenance fee is charged.

Earns interest ■ ■ N/A N/A

Free Debit CardWorld Debit™ MasterCard® with four free non-First Interstate ATM transactions per

month■ ■ ■

No charge for First Interstate Day & Night Teller ATM use ■ ■ ■ ■

No charge for First Interstate Day & Night Telephone Banking ■ ■ ■ ■

Unlimited check writing ■ ■ ■ ■

I-Bank Online Banking ■ ■ ■ ■

I-Pay Online Bill Payment ■ ■ ■ $4.95/mo; first two months free

I-Statements Electronic Statements ■ ■ ■ ■

Account Alerts (basic) ■ ■ ■ ■

Mobile Banking ■ ■ ■ ■

Courtesy Overdraft ■ ■ ■ ■

Overdraft Protection available** ■ ■ ■ $24/yr + transfer fees

Paper statements w/ images ■ ■ ■ $5/mo

Earn bonus FirstRewards† points when a FirstRewards World MasterCard** is opened at the same time as checking account

5,000 3,000 2,000

Safe deposit box rental discount ($5) ■ ■ ■

Free checks (style chosen by First Interstate) or $5 discount on other styles ■ ■

CD interest rate bonus (0.10% for terms of 2+ years) ■ ■

Gift cards ■ $3.95 $3.95 $3.95

Money orders ■ $4 $4 $4

Cashier’s checks ■ $5 $5 $5

Incoming wires ■ $10 $10 $10

Foreign currency exchange ■ $19 $19 $19

AdvanceLine annual fee** ■ $50 $50 $50

Mortgage loan origination discount** $250

Consumer loan discount ** (dealer-financed contracts ineligible) 0.5%



1893

Bank of Commerce opens in Sheridan, Wyoming.

1968

Homer Scott, Sr. purchases the Bank of Commerce in Sheridan, Wyoming.

1971

Homer Scott, Sr. forms two holding companies - one for Wyoming banks and one for Montana banks.

1984

Franchise agreement with First Interstate Bancorp of California to use the First Interstate name in Wyoming and Montana.

1993

The Montana and Wyoming holding companies merge.

1996

Franchise agreement ends and Homer Scott, Jr. secures the right to sole use of the First Interstate name.

2008

Expanded into South Dakota by acquiring 18 banking offices pursuant to the purchase of First Western Bank.

2010

IPO, while the Scott Family remains our principal stockholders.

2014

First Interstate agrees to acquire Mountain West Financial Corp.

Today

First Interstate Bank is a publicly traded company with over 70 branch locations throughout Montana, Wyoming, and western South Dakota.

PERSONAL MARKETMANAGER PREFERRED CHECKING REGULAR CHECKING FREE CHECKING

Earn interest while having access to premium account benefits.

Full service checking account that earns interest with easy access to funds.

Maintain a lower balance with access to a full range of account features.

Basic account for active online customers who are always on the go.

Minimum balance requirement $50,000 in other combined First Interstate deposits*

$1,500 in Preferred Checking or $5,000 in other combined First Interstate deposits $500 in Regular Checking

Monthly maintenance fee if balance below minimum $25 $13 (waived for customers 60 years or

older) $9

Other requirements

Direct deposit (at least one per month) or electronic statements set up within 30 days of account opening. If neither occurs, a $5

monthly maintenance fee is charged.

Earns interest ■ ■ N/A N/A

Free Debit CardWorld Debit™ MasterCard® with four free non-First Interstate ATM transactions per

month■ ■ ■

No charge for First Interstate Day & Night Teller ATM use ■ ■ ■ ■

No charge for First Interstate Day & Night Telephone Banking ■ ■ ■ ■

Unlimited check writing ■ ■ ■ ■

I-Bank Online Banking ■ ■ ■ ■

I-Pay Online Bill Payment ■ ■ ■ $4.95/mo; first two months free

I-Statements Electronic Statements ■ ■ ■ ■

Account Alerts (basic) ■ ■ ■ ■

Mobile Banking ■ ■ ■ ■

Courtesy Overdraft ■ ■ ■ ■

Overdraft Protection available** ■ ■ ■ $24/yr + transfer fees

Paper statements w/ images ■ ■ ■ $5/mo

Earn bonus FirstRewards† points when a FirstRewards World MasterCard** is opened at the same time as checking account

5,000 3,000 2,000

Safe deposit box rental discount ($5) ■ ■ ■

Free checks (style chosen by First Interstate) or $5 discount on other styles ■ ■

CD interest rate bonus (0.10% for terms of 2+ years) ■ ■

Gift cards ■ $3.95 $3.95 $3.95

Money orders ■ $4 $4 $4

Cashier’s checks ■ $5 $5 $5

Incoming wires ■ $10 $10 $10

Foreign currency exchange ■ $19 $19 $19

AdvanceLine annual fee** ■ $50 $50 $50

Mortgage loan origination discount** $250

Consumer loan discount ** (dealer-financed contracts ineligible) 0.5%

†FirstRewards points given one-time only. Points will be credited to your account within four to six weeks

→ CHECKING & SAVINGS continued


Your Checks and Check OrdersPlease continue using your current Mountain West Bank check supply, even after October 17, 2014. All new check orders made after that date should have First Interstate’s name and routing number (092901683). Please feel free to contact any First Interstate Bank branch and we will assist you with your new check order. If you order your checks through another vendor, you will need to give them your updated information.

Direct Deposit and Automatic PaymentsIf you currently have a direct deposit (e.g. payroll, Social Security, government entities, etc.) deposited into your account, or an automatic payment (e.g. insurance or loan payment) being paid out of your account, this will continue. First Interstate Bank will send notice of the routing number change to the 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 contact them personally. If you have set up a payment using a web-based bill pay program, you will need to go into that program and enter your new bank routing number (092901683) and, if applicable, your new account number, for any payments made after October 17, 2014.

Checking and Savings Account NumbersOther than a few exceptions, your checking and savings account numbers will not change. If you have one of the few

accounts that will have an account number change, we will notify you through a separate communication.

ATM Cards

Your ATM card may be used free of charge at any First Interstate Bank Day & Night Teller machine.* In addition, your ATM card may be used to purchase goods and services where merchants utilize a Maestro® PIN pad. In other words, if you are able to confidentially enter your PIN, you may use your ATM card for purchases. You will receive your new First Interstate Bank ATM Card on or before October 6, 2014. The PIN for your new First Interstate Bank ATM Card will be the same PIN that was associated with your Mountain West Bank ATM Card.

Your Mountain West Bank ATM Card will no longer work after midnight on Sunday, October 19, 2014. You may begin using your First Interstate Bank ATM Card on Monday, October 20, 2014. Your new First Interstate Bank ATM Card will become active upon the first use of your PIN at an ATM.*

*Fees apply when the card is used at a non-First Interstate Bank machine.

If you have a... You will receive a...

Mountain West Bank ATM Card

First Interstate Bank ATM Card

BUSINESS BUSINESS CHECKING WITH INTEREST

BASIC CHECKINGWITH INTEREST

BUSINESSCHECKING

BASIC BUSINESSCHECKING

COMMUNITYORGANIZATION

High activity checking account that earns interest.

Earns interest; designed for businesses with low to moderate activity.

Full service checking account with an earnings credit.

A great checking option for businesses that maintain a smaller balance.

An ideal account for nonprofit organizations.

Minimum balance requirement $5,000 $25,000 none $300 none

Monthly maintenance fee $9

Monthly service charge if balance is below minimum requirement $10 $20 $9

Earns interest (tiered rate) ■ ■

Per check charge $0.15 $0.25 after 50 checks/mo. $0.15 $0.25 after 100 checks/mo. $0.25 after 50 checks/mo.

Per deposit charge $0.15 $0.15

Per electronic debit or credit $0.10 $0.10

Per Deposit Item Charge (On First Interstate/Not on First Interstate) $0.07/$0.10 $0.25 after 50 deposit items/mo. $0.07/$0.10 $0.25 after 100 deposit items/mo. $0.25 after 50 deposit items/mo.

Free Business Debit Card* ■ ■ ■ ■ ■

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Debit Cards

Like your current debit card, the First Interstate Bank Debit Card works just like a check or ATM card. It is accepted at all MasterCard, Cirrus, and Maestro ATMs. You will receive your new First Interstate Bank Debit Card on or before October 6, 2014. The PIN for your new First Interstate Bank Debit Card will be the same PIN that was associated with your Mountain West Bank Debit Card.

Your new First Interstate Bank Debit Card has to be activated before it can be used. Please activate your new card immediately, as this will let us know your card has been safely

delivered. Please begin using your First Interstate Bank Debit Card on Monday, October 20, 2014. As of midnight on Sunday, October 19, 2014, your Mountain West Bank Debit Card will no longer be active. If you have any pre-authorized charges tied to your Mountain West Bank Debit Card, you will need to inform all appropriate parties of your new First Interstate Bank Debit Card number.

For more information on debit cards, please see page 12 of this guide.

Account StatementsAfter the transition from Mountain West Bank to First Interstate Bank occurs, your checking and savings account statements will look slightly different. If you have questions about your new statement, please contact your local First Interstate Bank branch or our special customer support hotline at 1-888-833-3451, Monday – Friday, 7:30am to 6pm.

Interest Bearing Checking and Savings AccountsAll First Interstate Bank interest bearing checking and savings accounts are variable rate accounts; rates may change at any time.

Other Important Services and FeesPlease see page 27 of this guide for all the additional services and fees associated with your new checking and savings account.


Mountain West Bank Peak Debit Card

First Interstate Bank MasterCard® Debit Card

Mountain West Bank Treasury Plus Debit

First Interstate Bank World Debit™ MasterCard®

Mountain WestBank Health SavingsAccount (HSA) DebitCard

First Interstate Bank HSA MasterCard® Debit Card

Mountain West Bank Peak Business Debit Card

First Interstate Bank MasterCard® Business Debit Card

BUSINESS BUSINESS CHECKING WITH INTEREST

BASIC CHECKINGWITH INTEREST

BUSINESSCHECKING

BASIC BUSINESSCHECKING

COMMUNITYORGANIZATION

High activity checking account that earns interest.

Earns interest; designed for businesses with low to moderate activity.

Full service checking account with an earnings credit.

A great checking option for businesses that maintain a smaller balance.

An ideal account for nonprofit organizations.

Minimum balance requirement $5,000 $25,000 none $300 none

Monthly maintenance fee $9

Monthly service charge if balance is below minimum requirement $10 $20 $9

Earns interest (tiered rate) ■ ■

Per check charge $0.15 $0.25 after 50 checks/mo. $0.15 $0.25 after 100 checks/mo. $0.25 after 50 checks/mo.

Per deposit charge $0.15 $0.15

Per electronic debit or credit $0.10 $0.10

Per Deposit Item Charge (On First Interstate/Not on First Interstate) $0.07/$0.10 $0.25 after 50 deposit items/mo. $0.07/$0.10 $0.25 after 100 deposit items/mo. $0.25 after 50 deposit items/mo.

Free Business Debit Card* ■ ■ ■ ■ ■

*Sub

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o Your monthly statement details the transfers betweenyour accounts.

o Review transactions via online banking and/or Day& Night Telephone Banking.

*Subject to approval

Federal Banking law sets a limit of six pre-authorized transfers on savings and money market accounts per month. Transfers initiated by the Overdraft Protection Service are included in this limit.

• Balance Plus Line of CreditBalance Plus* is an overdraft line of credit tied to your checking account that activates if you overdraw your account. Balance Plus can save you the embarrassment of bounced checks and the cost of overdraft fees. There is a $5.00 transfer fee for this service.

The advantages of Balance Plus include:o Your monthly checking statement includes details of

your Balance Plus account.o Outstanding Balance Plus balances can be repaid

with a small, minimum monthly payment.o Enjoy unlimited transfers with Balance Plus (up to

credit limit).o Review transactions via online banking and/or Day

& Night Telephone Banking.


The Annual Percentage Rate on Balance Plus is 18%. Rate subject to change. Balance Plus requires credit approval and applications can be obtained at your local First Interstate branch.

Free Checking customers will be assessed a $24.00 annual fee when enrolled in Balance Plus.


→ OVERDRAFT PROTECTION

OVERDRAFT PROTECTION

If you don’t find the answers to your particular questions in this guide, stop by your local branch office of

First Interstate Bank or call 1-888-833-3451. We’re available to answer your questions.

Overdraft PrivilegeUpon conversion to First Interstate Bank, Overdraft Privilege will no longer be offered. Mountain West customers with Overdraft Privilege can visit their local First Interstate Bank branch and choose to sign up for one of First Interstate’s convenient overdraft protection offerings:

• Savings or Market Interest AccountYou can designate your First Interstate Savings or Market Interest Account* as the source to cover any overdrafts in your checking account. There is a $5.00 transfer fee for this service.

The advantages of choosing this option are:o There are no interest charges, unlike a line of credit

or credit card.o The limit for your overdraft coverage is as large as

your Savings or Market Interest balance.

If you have... You will receive...

Mountain West Bank Overdraft Privilege

First Interstate Bank Overdraft Protection of your choosing (3 options available)

Mountain West Bank Overdraft Opt-In

First Interstate Bank Courtesy Overdraft

Mountain West Bank Revolving Line of Credit

First Interstate Bank Balance Plus Line of Credit

OVERDRAFT PROTECTION continued ←


• First Interstate Bank MasterCard® Credit CardAnother great option for protecting against overdrafts is to use your First Interstate MasterCard* Credit Card. Transfers occur in $50.00 increments and there are no set-up charges. There is a $10.00 transfer fee for credit card transfers up to $50.00, and a $19.00 transfer fee for transfers over $50.00.

There are some advantages to choosing this option:o Enjoy unlimited transfers with First Interstate credit

cards (a maximum of $500.00 daily, depending on available credit limit).

o Your monthly credit card statement details thetransfers between your accounts.


Overdraft Opt-InCustomers who have opted to have Mountain West Bank’s Overdraft Privilege extend to ATM and everyday debit card transactions will automatically transition into First Interstate Bank’s Courtesy Overdraft protection. Courtesy Overdraft provides customers a way to have their everyday 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 will be $29.00 for each Courtesy Overdraft transaction; the fee at Mountain West Bank was $30.00 per transaction. Disclosures for your new Courtesy Overdraft protection will be sent in a separate mailing.

Revolving Line of CreditMountain West Bank customers who currently utilize a revolving line of credit for overdraft protection will be automatically transferred into First Interstate Bank’s Balance Plus Line of Credit, effective October 20, 2014. Balance Plus is an overdraft line of credit tied to your checking account that activates if you overdraw your account. There is a $5.00 transfer fee for this service.

Again, we welcome your inquiries and want to make your transition to First Interstate Bank as easy as possible. Please call us at 1-888-833-3451, Monday – Friday, 7:30am to 6pm, if you have questions or concerns.

“A recognized leader in community banking services, First Interstate is a Montana-based community bank, driven by strong family and corporate values. While our technology and e-commerce options are an important and growing component of what we offer at First Interstate, we take great pride in our exceptional personal service, which has been a hallmark of our success.”

Ed Garding, President and CEO, First Interstate BancSystem, Inc.

“Like Mountain West, First Interstate is a community bank whose success has been built on a foundation of commitment to its customers and communities. We take pride in reflecting the values of our customers and our company through strong community involvement.”

Bill Weber, Region President, First Interstate Bank

“Trust, knowledge, commitment, opportunity: these are the values of the Scott family, and of First Interstate Bank. They have been for 40 years, and as long as we’re here, they always will be. I’m honored to welcome Mountain West Bank to our organization.”

Tom Scott, Chairman of the Board, First Interstate BancSystem, Inc.



delivered. Please begin using your First Interstate Bank Debit Card on Monday, October 20, 2014. As of midnight on Sunday, October 19, 2014, your Mountain West Bank Debit Card will no longer be active. If you have any pre-authorized charges tied to your Mountain West Bank Debit Card, you will need to inform all appropriate parties of your new First Interstate Bank Debit Card number.

Activating Your New CardTo activate your card, please call 1-800-862-0760. Beginning October 20, 2014, you may also activate your card using your PIN at an ATM.**Fees apply when the card is used at a non-First Interstate Bank machine.

Information Regarding Rewards! and Prewards® from Mountain West Bank Your Mountain West Bank Debit Card will earn Rewards! points through October 19, 2014, when your card is deactivated. You must redeem any remaining points from your Mountain West Bank Debit Card on or before October 31, 2014. To access your points and redeem, visit dreampoints.com/mtnwestbank or call 866-678-5186 (24/7). If you are enrolled in Mountain West Bank’s Prewards® program, you may continue to receive discount offers from merchants until the program expires on September 30, 2014.

Important Dates• On or Before October 6 – activate your new First Interstate Bank Debit Card as soon as you receive it in the mail. If you have not received your new First Interstate Bank Debit Card by October 6, 2014, please call 1-888-833-3451 for assistance.


→ DEBIT CARDS

DEBIT CARDS

Consumer Debit Cards

Like your current debit card, First Interstate Bank’s MasterCard Debit Card and World Debit MasterCard work just like a check or ATM card. They are accepted at all MasterCard, Cirrus, and Maestro ATMs. Like your current HSA debit card, First Interstate’s HSA MasterCard Debit Card can be used anywhere MasterCard is accepted to pay for qualified medical expenses.

You will receive your new First Interstate Bank Debit Card(s) on or before October 6, 2014. Please note, the PIN for your new First Interstate Bank Debit Card will be the same PIN that was associated with your Mountain West Bank Debit Card.

Your new First Interstate Bank Debit Card must be activated before it can be used. Please activate your new card immediately, as this will let us know your card has been safely


Mountain West Bank Peak Debit Card

First Interstate BankMasterCard® Debit Card

Mountain West Bank Treasury Plus Debit Card

First Interstate Bank World Debit™ MasterCard®

Mountain West Bank Health Savings Account (HSA) Debit Card


• September 30 – the Prewards® program associated withyour Mountain West Bank Debit Card will expire.

• October 19 – continue to use your Mountain West BankDebit Card through October 19, 2014, when your card is deactivated. Your Mountain West Bank Debit Card will continue to earn Rewards! points through October 19, 2014.

• October 20 – begin using your new First Interstate BankDebit Card and destroy your old Mountain West Bank Debit Card immediately.

• October 31 – redeem any remaining Rewards! pointsfrom your Mountain West Bank Debit Card. Points will no longer be available for redemption after this date.

Business Debit Cards

Like your current debit card, the First Interstate Bank MasterCard Business Debit Card works just like a check or ATM card. It is accepted at all MasterCard, Cirrus, and Maestro ATMs. You will receive your new First Interstate Bank MasterCard Business Debit Card on or before October 6, 2014. Please note, the PIN for your new First Interstate Bank MasterCard Business Debit Card will be the same PIN that was associated with your Mountain West Bank Peak Business Debit Card.

Your new First Interstate Bank MasterCard Business Debit Card must be activated before it can be used. Please activate your new card immediately, as this will let us know your card has been safely delivered. Please begin using your First Interstate Bank Debit Card on Monday, October 20, 2014. As of midnight on Sunday, October 19, 2014, your Mountain West Bank Peak Business Debit Card will no longer be active. If you have any pre-authorized charges tied to your Mountain West Peak Business Debit Card, you will need to inform all appropriate parties of your new First Interstate Bank MasterCard Business Debit Card number.

DEBIT CARDS continued ←


Activating Your New CardTo activate your card, please call 1-800-862-0760. Beginning October 20, 2014, you may also activate your card using your PIN at an ATM.**Fees apply when the card is used at a non-First Interstate Bank machine.

Information Regarding Rewards! and Prewards® from Mountain West Bank Your Mountain West Bank Peak Business Debit Card will earn Rewards! points through October 19, 2014, when your card is deactivated. You must redeem any remaining points from your Mountain West Bank Peak Business Debit Card on or before October 31, 2014. To access your points and redeem, visit dreampoints.com/mtnwestbank or call 1-866-678-5186 (24/7). If you are enrolled in Mountain West Bank’s Prewards® program, you may continue to receive discount offers from merchants until the program expires on September 30, 2014.

Important Dates • On or Before October 6 – activate your new First

Interstate Bank MasterCard Business Debit Card as soon as you receive it in the mail. If you have not received your new First Interstate Bank Debit Card by October 6, 2014, please call 1-888-833-3451 for assistance.

• September 30 – the Prewards® program associated withyour Mountain West Bank Peak Business Debit Card will expire.

• October 19 – continue to use your Mountain WestBank Peak Business Debit Card through October 19, 2014, when your card is deactivated. Your Mountain West Bank Peak Business Debit Card will continue to earn Rewards! points through October 19, 2014.

• October 20 – begin using your new First InterstateBank MasterCard Business Debit Card and destroy your old Mountain West Bank Peak Business Debit Card immediately.

• October 31 – redeem any remaining Rewards! pointsfrom your Mountain West Bank Peak Business Debit Card. Points will no longer be available for redemption after this date.


Mountain West Bank Peak Business Debit Card

First Interstate Bank MasterCard® Business Debit Card


First Interstate’s HSA Debit MasterCard® can be used to pay qualified medical expenses anywhere MasterCard® is accepted. So, as long as you have the necessary funds in your account, you can make quick and easy payments at your doctor’s office or at the pharmacy when you pick up your prescription.

Business Debit Card BenefitsMasterCard® Business Debit Card

The Business Debit MasterCard features benefits specifically tailored to business needs. In addition, cardholders can receive 24-hour a day service by calling 1-800-622-7747. Please refer to the Guide to Benefits that will come with your new debit card for complete information about these benefits.

• MasterCard® Zero Liability*• MasterRental® Insurance • Purchase Assurance®• Master RoadAssist®• MasterTrip®• MasterLegal®• VAT Reclaim Service• MasterCoverage®

*Certain terms, conditions, and exclusions apply. Review the Guide to Benefits for complete program details.**Cardholders must register for these programs at no charge through MasterCard. For more information, please visit mastercard.us/credit-card-world.html.

health savingsaccount

Debit


→ DEBIT CARDS continued

Debit Card BenefitsMasterCard® Debit Card

Your First Interstate Bank Debit Card comes with special benefits—at no charge to you! Please refer to the Guide to Benefits that will come with your new debit card for complete information about these benefits.

• MasterCard® Zero Liability*• MasterCard® Global ServiceTM

• MasterCard® Travel ServiceTM

• MasterCard® Airport ConciergeTM

• Extended Warranty Insurance*• Price Protection*• Satisfaction Guarantee*• ID Theft Resolution Services

World Debit™ MasterCard®

In addition to the Debit Card Benefits, World Debit cardholders enjoy premium benefits and services. Please refer to the Guide to Benefits that will come with your new debit card for complete information.

• Purchase Assurance• MasterCard® Luxury Hotels & Resorts Portfolio**• Priceless Golf**• FUEL REWARDS NETWORK™**• MASTERCARD® PRICELESS CITIES**

CREDIT CARDS ←


CREDIT CARDS



regarding your credit card conversion directly from Elan. You may also contact Elan by calling 1-800-558-3424. First Interstate Bank is not able to assist with inquiries regarding your Mountain West Bank VISA Credit Card.

Consumer and Business Credit CardsIf you have a Mountain West Bank VISA® Credit Card, you will receive a new card without the Mountain West Bank logo from Elan Financial Services. You will receive additional information

rewardsas local as you are.

EWARDSFIRST

FIRSTREWARDS MEANS LOCAL REWARDSFirstRewards World MasterCard gives you loyalty points with every purchaseto use toward rewards at the local businesses you know and love.

Talk to your banker to apply today or visit rewards.firstinterstate.com

• 12–23 Months Greater of 6 months’ interest earned on the amount withdrawn or $25• 24–35 Months Greater of 12 months’ interest earned on the amount withdrawn or $25• 36 Months & Over Greater of 24 months’ interest earned on the amount withdrawn or $25

For more information regarding your new First Interstate Bank CD, please contact your local First Interstate branch.

IRAs — Your Individual Retirement AccountYour IRA will automatically be transferred to First Interstate Bank. Each IRA will maintain its maturity date, and your existing rate will be maintained until your renewal date. Your renewal notice will include additional information and disclosures. There is no annual fee on your new First Interstate Bank IRA.

You will receive annual statements itemizing all activity on your account. As of October 20, 2014, First Interstate will assume Custodial/Trustee responsibilities for your IRA account(s). A separate mailing will be sent to IRA holders detailing the transfer. It is not necessary for you to sign anything or return any documents. You should keep all of your Mountain West Bank statements, this conversion guide, and the First Interstate Bank mailing regarding your IRAs for your records. For general notes and disclosures concerning IRAs, please contact your local First Interstate Bank.


→ PERSONAL CDS & IRAS

YOUR NEW PERSONAL CDs AND IRAs

Your Mountain West Bank Certificates of Deposit (CDs) and IRAs will be transferred to First Interstate Bank CDs and IRA accounts on

Monday, October 20, 2014.

Certificates of DepositYour Mountain West Bank CD(s) will automatically be converted to a First Interstate Bank CD(s). Each CD will maintain its current rate and maturity date. For information on other CD terms and conditions, please see the enclosed “Your Deposit Account” booklet. Approximately 20 days prior to your CD’s maturity date, you will receive a renewal notice. It is important that you retain your original Mountain West statement(s) along with your First Interstate Bank mailing and this conversion guide for your records.

First Interstate Bank offers CDs from 7 days to 5 years. For complete information for all rates, stop by any First Interstate Bank location, or visit firstinterstate.com for special online rates. Your current Mountain West Bank CD interest rate will remain the same until your CD’s renewal date. However, early withdrawal penalties will change on October 20, 2014.

The current early withdrawal penalties on Mountain West Bank CDs are as follows:

• 90 Days or Less 7 days’ interest• 3–12 Months 30 days’ interest• 1–3 years 180 days’ interest• 4–5 years 365 days’ interest

Effective October 20, 2014, CD early withdrawal penalties will be as follows:

• 0–2 Months Greater of all interest earned on the amount withdrawn or $25• 3–11 Months Greater of 3 months’ interest earned on the amount withdrawn or $25

PERSONAL ONLINE & MOBILE BANKING ←


If you are already a First Interstate Bank customer using online banking, your online banking information from Mountain West Bank will convert into a new online banking account, not into your existing First Interstate Bank online banking account. This means you will temporarily have two logins for online banking at First Interstate. Our bankers will work with you to combine these two logins for your convenience after October 20, 2014.

If you currently use personal mobile banking with Mountain West Bank, you will need to re-enroll for First Interstate’s Personal Mobile Banking. You do this through First Interstate’s Personal Online Banking via the Mobile Banking & Alerts tab.

If you currently use personal account alerts with Mountain West Bank, you will need to re-enroll for First Interstate’s Personal Account Alerts through First Interstate’s Personal Online Banking via the Mobile Banking & Alerts tab. From there, you can configure your alert settings.

Please note the following information regarding Personal Online Banking. Read the points carefully and be prepared to make the recommended adjustments or changes.

• Online Transaction History Mountain West online customers will be able to access their Mountain West transaction history via mtnwestbank.com through March 31, 2015.

• Online Statement History Mountain West online customers’ account statements will be automatically converted to their new First Interstate Bank Personal Online Banking account and will be available starting October 20, 2014.

PERSONAL ONLINE AND MOBILE BANKING

Your Mountain West Bank Personal Online Banking account will be transferred to a First Interstate Bank Personal Online Banking

account on Monday, October 20, 2014.

If you currently use personal online banking with Mountain West Bank, you will be set up with a new online profile within First Interstate’s I-Bank Personal Online Banking, which can be accessed from firstinterstate.com. If you have not accessed your Mountain West Bank personal online banking account in at least six months, a profile will not automatically be established for you at First Interstate Bank. If this is the case, you may enroll in I-Bank Personal Online Banking starting October 20, 2014.

With First Interstate’s Personal Online Banking, you will be able to view account balance(s) and account transactions, transfer funds between First Interstate Bank accounts, pay bills, place stop payments, and reorder checks. You can also enroll for electronic statements, mobile banking, and account alerts.

When you login to your new online profile for the first time after October 20, 2014, your Access ID will be your current Mountain West online User ID, except in all lowercase and a maximum of 17 characters in length. If your Access ID is identified as an Access ID that already exists within online banking, we will notify you through a separate communication.Your password will be the last four digits of your Social Security Number. During your first online session, you will be prompted to change your password, select a security image and pass phrase, and select and answer three security challenge questions. You will also be prompted to enroll in electronic statements, which is optional but recommended. If you currently receive an electronic checking or savings account statement from Mountain West Bank, you will need to re-enroll for First Interstate’s I-Statements (electronic statements) through Personal Online Banking. If you do not re-enroll, you will begin receiving paper statements upon conversion to First Interstate Bank.

be keyed in manually.

Once you have been added to First Interstate’s Personal Online Banking and you have successfully logged into your accounts, you will need to create a new register in Quicken or QuickBooks (refer to your money management software manual or contact them for support if you need assistance with this). Once you have successfully completed this step, you may add your new online banking login credentials and continue using Quicken or QuickBooks to update your account information. This will provide a clean conversion for your record keeping and financial data. Data from Quicken and QuickBooks will not be converted from Mountain West to First Interstate.

Account MaintenanceIf, after successfully logging into First Interstate’s Personal Online Banking, you recognize there are accounts missing, please use the Secure Message feature to request additional assistance.

QuestionsAny questions can be referred to First Interstate Bank Customer Support by calling 1-888-833-3451, Monday – Friday, 7:30am to 6pm. Please indicate you are a previous Mountain West customer when calling.


→ PERSONAL ONLINE & MOBILE BANKING continued

• Online Bill Payment History Mountain West online customers will not be able to access their bill payment history after October 17, 2014. It is important to print or save your bill payment history prior to October 17, 2014.

• Online Bill Payment Payees Mountain West online customers’ bill payment payees will be automatically converted to their new First Interstate Bank Personal Online Banking account and will be available starting October 20, 2014.

• Online Bill Payment eBillsMountain West online customers’ bill payment eBills will be discontinued on October 10, 2014. Customers can re-enroll for eBills after October 20, 2014 via their new First Interstate online banking profile.

• Peak Bill PayEffective October 20, 2014, Peak Bill Pay will no longer be offered. However, First Interstate Bank offers a similar electronic bill presentment option.

After conversion, you will be able to activate eBills electronic bill presentment for participating payees via First Interstate Bank’s I-Pay bill pay solution. You will no longer need to provide a specific post office box address to your payee to utilize First Interstate’s eBill solution.

• Online Recurring or Scheduled TransfersAll current Mountain West online users who have recurring or scheduled transfers will not be able to set up any new scheduled transfers as of October 15, 2014. No changes will occur to existing recurring or scheduled transfers; they will be automatically converted to your First Interstate Bank account.

• Online Recurring or Scheduled Bill Payments All current Mountain West online users who have recurring or scheduled payments will not be able to set up any new scheduled payments as of October 15, 2014. No changes will occur to existing recurring or scheduled payments; they will be automatically converted to your First Interstate Bank account.

• Quicken® and QuickBooks® Customers Your ability to update your money management software with your account data and transactional history for your current Mountain West Bank accounts and online banking will cease on October 17, 2014. It is important to have your account(s) up-to-date prior to October 17, 2014, to prevent losing access to this information. Any information not updated prior to that date will need to

BUSINESS ONLINE & MOBILE BANKING ←


If you currently receive an electronic checking or savings account statement from Mountain West Bank, you will need to re-enroll for First Interstate’s I-Statements (electronic statements) when completing your new Business Online Services Agreement. If you do not re-enroll, you will begin receiving paper statements upon conversion to First Interstate Bank.

Please note the following information regarding Business Online Banking. Read the points carefully and be prepared to make the recommended adjustments or changes.

• Online Transaction History Mountain West online customers will be able to access their Mountain West transaction history via mtnwestbank.com through March 31, 2015.

• Online Statement History Mountain West online customers’ account statements will be automatically converted to their new First Interstate Bank Business Online Banking account and will be available starting October 20, 2014.

• Online Bill Payment History Mountain West online customers will not be able to access their bill payment history after October 17, 2014. It is important to print or save your bill payment history prior to October 17, 2014.

• Online Bill Payment Payees Mountain West online customers’ bill payment payees will be automatically converted to their new First Interstate Bank Business Online Banking account and will be available starting October 20, 2014.

BUSINESS ONLINE AND MOBILE BANKING

If you currently use business online banking with Mountain West, you must complete a new Business Online Services Agreement with First Interstate Bank before your new profile on First Interstate’s

I-Corp Business Online Banking can be established. This agreement must be completed before October 10, 2014.

You will be contacted by a First Interstate Bank Cash Management Specialist to assist you with completing this agreement. If you will be using First Interstate Bank’s advanced functionality (like ACH), you will receive an invitation to attend a “Lunch and Learn” session in your area. This event will provide you with more information about the options available within First Interstate’s Business Online Banking solution as well as the opportunity to complete your Business Online Services Agreement. Once you have completed the Business Online Services Agreement, we will provide you with your new Access ID and password, to be used beginning October 20, 2014. During your first online session, you will be prompted to change your password, select a security image and pass phrase, and select and answer three security challenge questions.

With First Interstate’s Business Online Banking, you will be able to view account balance(s) and account transactions, transfer funds between First Interstate Bank accounts, pay bills, place stop payments, and process ACH and Wire transactions (depending on the options you select during the completion of your new Business Online Services Agreement). You can also enroll for Business Mobile Web Banking.

If you currently use business mobile banking with Mountain West Bank, you will need to re-enroll for First Interstate’s Business Mobile Web Banking through First Interstate’s Business Online Banking via the Account Services tab.

If you currently use business account alerts with Mountain West Bank, please note that First Interstate Bank does not currently offer business account alerts. We are sorry for any inconvenience this may cause. We do, however, offer account alerts through our Personal Online Banking service.

be keyed in manually. This will provide a clean conversion for your record keeping and financial data. Data from Quicken and QuickBooks will not be converted from Mountain West to First Interstate.

Account MaintenanceIf, after successfully logging into First Interstate’s Business Online Banking, you recognize there are accounts missing, please contact your local First Interstate Bank Cash Management Specialist.

QuestionsAny questions can be referred to your local Cash Management Specialist. Please indicate that you are a previous Mountain West customer when calling.

BozemanSamantha (Sam) [email protected]

Great FallsDiane Bodnar [email protected]

Helena Teri [email protected]

Blaine [email protected]

Shari [email protected]


→ BUSINESS ONLINE & MOBILE BANKING continued

• Online Bill Payment Payees Mountain West online customers’ bill payment eBills will be discontinued on October 10, 2014. Customers can re-enroll for eBills after October 20, 2014 via their new First Interstate online banking profile.

• Peak Bill Pay for BusinessEffective October 20, 2014, Peak Bill Pay for Business will no longer be offered. However, First Interstate Bank offers a similar electronic bill presentment option. After conversion, you will be able to activate eBills electronic bill presentment for participating payees via First Interstate Bank’s I-Payables bill pay solution. You will no longer need to provide a specific post office box address to your payee to utilize First Interstate’s eBill solution.

• Online Recurring or Scheduled Transfers All current Mountain West online users who have recurring or scheduled transfers will not be able to schedule any new transfers as of October 15, 2014. No changes will occur to existing recurring or scheduled transfers; they will be automatically converted to your First Interstate Bank account.

• Online Recurring or Scheduled Bill Payments All current Mountain West online users who have recurring or scheduled payments will not be able to schedule any new payments as of October 15, 2014. No changes will occur to existing recurring or scheduled payments; they will be automatically converted to your First Interstate Bank account.

• Quicken® and QuickBooks® Customers Your ability to update your money management software with your account data and transactional history for your current Mountain West Bank accounts and online banking will cease on October 17, 2014. It is important to have your account(s) up-to-date prior to October 17, 2014 to prevent losing access to this information. Any information not updated prior to that date will need to

MissoulaDave [email protected]

Colleen [email protected]

Melanie [email protected]

KalispellSusie [email protected]

WhitefishMary [email protected]

View Our Product Demos!View an entire list of our product and service tours to learn more about each one:

http://www.onlinebanktours.com/oec/index.php?BID=233.

ADDITIONAL CASH MANAGEMENT SERVICES ←


• Business Online Banking (I-Corp)

o Check your account balances anytime, day or night,for real-time balance and transaction information

o Allow multiple users with unique login credentials o Control user access and set up transfer templates o Free electronic statements (I-Statements)o View and print images of your checkso Download statement information to financial

management softwareo Business Bill Payment (I-Payables)o Free Business Mobile Web Bankingo Send domestic and foreign wire transferso Send ACH (Payroll, Accounts Receivable, etc.)

• Business Bill Payment (I-Payables)

o Access through Business Online Bankingo Pay bills electronically, 24 hours a day, 7 days a weeko Control cash flowo Add invoices to paymentso Accept electronic billso Pay one-time bills and monthly recurring billso Add payees/merchants at any timeo Include multiple users and dual control for added

security• Merchant Capture (Remote Deposit)

o Eliminate daily trips to the banko Make deposits electronically from your business

location(s)

ADDITIONAL CASH MANAGEMENT SERVICES

If you currently utilize any of the Mountain West Bank Cash Management Services listed below, you may notice

changes beginning Monday, October 20, 2014.

Remote Deposit Mountain West Bank Remote Deposit customers will continue to use their existing scanners. A First Interstate Bank Cash Management Specialist will contact each Remote Deposit customer regarding new software and training.

ACH Mountain West Bank customers who use ACH will receive an invitation to attend a “Lunch and Learn” session in your area. This event will provide you with more information about the ACH options available within First Interstate’s Business Online Banking solution. A First Interstate Bank Cash Management Specialist will contact each ACH customer regarding new software and training.

Merchant ServicesIf you are a Mountain West Bank customer with Merchant Services through NXGEN, your current contract will remain in effect until its expiration date. You should not experience any interruption in your Merchant Services as a result of the conversion; merchant funding will continue operating as it currently does. If you have questions regarding your Merchant Services through NXGEN, please contact NXGEN directly at 1-866-863-9977. For after-hours support, please contact NXGEN at 1-800-725-1243.

Cash Management SolutionsBusinesses use Cash Management Solutions to increase the amount of funds available for investment and to make operations more efficient. From Business Online Banking to remote deposits, First Interstate Bank offers your business a variety of services and systems to improve your company’s cash management. As a First Interstate customer, you now have access to the following Cash Management Solutions:






o Better protection for your customers’ data and yourbusiness

o New revenue opportunities with gift and incentivecard solutions

For more information on these services, please contact your local First Interstate Bank Cash Management Specialist or visit firstinterstate.com.

BozemanSamantha (Sam) [email protected]

Great FallsDiane Bodnar [email protected]

Helena Teri [email protected]

Blaine [email protected]

Shari [email protected]


→ ADDITIONAL CASH MANAGEMENT SERVICES continued

o Improve funds availability with same-day credito Extended banking hours o Consolidate banking accountso View and research deposited items onlineo Receive earlier notification of returned items

• Anti-Fraud Service (Positive Payee)

o Helps protect your account(s) from check fraudo Allows the bank to identify potentially fraudulent

checkso Detects and returns unauthorized checks in accordance

with federal regulation timelineso ACH filtero Detects stale-dated checkso Corrects encoding errors, making reconciliation easiero Issued check files and exceptions are handled via secure

Internet accesso Features advanced reporting capabilities

• Remittance Processing (Lockbox)

o Payments are collected and processed by the banko Faster receivable postingo Improved funds availabilityo Reduced administrative expenseo Better staff efficiencyo Improved audit controlso Convenient same-day reporting information

• Merchant Services First Interstate Bank, in alliance with First Data, offers business payment processing solutions tailored to help your business succeed. Whether you need payment solutions for in-person or online transactions, integrated terminals, electronic check acceptance, or gift cards, First Interstate Bank and First Data work together to make your transactions easier, faster, and smarter. Then you can focus on what you do best—serving your customers and growing your business.o Next-day funding for all card types when depositing to

a First Interstate Bank accounto Local customer service dedicated to meet your needso Competitive pricingo Easy access to your payment activity reporting online

24/7/365






PERSONAL & BUSINESS LOANS ←


Commercial LoansCommercial loans will convert from Mountain West Bank to First Interstate Bank per the terms of the Mountain West Bank notes and security agreements. In the coming weeks, current Mountain West Bank commercial loan customers will receive letters with more information about their commercial loan from their new First Interstate Bank lender.

PERSONAL AND BUSINESS LOANS

Your Mountain West Bank loans will automatically be converted to First Interstate Bank on Monday, October 20, 2014.

Personal LoansFor the purposes of this conversion, we are pleased that First Interstate Bank has been able to keep changes on loan accounts to a minimum. For most customers, loan numbers will not change. If your loan payment was automatically deducted from a Mountain West Bank deposit account, we have already accounted for this change and there is nothing you need to do.

Customers who pay with a coupon book will not be receiving a new payment booklet. Continue to use your existing Mountain West Bank payment coupons when making a loan payment. However, beginning October 20, 2014, payments must be made at your local First Interstate Bank branch or by mail to:

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

Mortgage LoansYou will soon receive a letter called a “Hello/Goodbye” letter. The heading on the letter will read “Notice of Servicing Transfer.” This letter is a requirement and is to inform you that your mortgage payments will need to be sent to a new address, which will be provided in the letter. This letter will also include your new account number (if applicable) as well as the timing of when you need to begin sending payments to the new address. Mortgage loan customers will be receiving a new payment booklet from First Interstate Bank; this should arrive by the end of October. Beginning October 20, 2014, payments can also be accepted at any First Interstate Bank location.






“I am delighted to be joining the First Interstate organization. With First Interstate, our customers will receive exemplary products and services as well as the personalized service and local decision-making they’ve come to expect. Our customers, employees, and shareholders will be joining a company where people can be proud to bank, proud to work, and proud to invest.”

Mike Dalton, COO, Mountain West Bank (Helena Market President for First Interstate Bank, effective October 20, 2014)


→ ADDITIONAL PRODUCTS & SERVICES

• Consumer Auto Loan fee discount of $25.00• CD Bonus of .05% on any term (can be used in

conjunction with other account bonuses)• Earn 1,500 bonus FirstRewards points† upon approval

of a FirstRewards World MasterCard®* within the first 30 days of joining Bobcat Banking. Already a FirstRewards cardholder? 1,500 bonus FirstRewards points† will be credited to your account when you enroll in Bobcat Banking!

• 10% discount** at all Universal Athletic locationswith special promotional discounts throughout the year, including a game-day discount of 25% on Bobcat apparel (Montana stores only). Simply show and use your Bobcat Banking Debit Card or checks to receive this discount.

• Free ticket giveaways to MSU Bobcat football andbasketball games

• Free tail gate parties, hosted by First Interstate Bank• Exclusive field access• Invitations to other special gatherings and promotions,

exclusively for Bobcat Banking members*Subject to approval

†FirstRewards points given one-time only. Points will be credited to your account within four to six weeks.

**Some exclusions may apply. See store for details.

Fees & Information:

• Annual fee of $15.00, which will be automaticallydeducted from the checking account tied to your Bobcat Banking membership at the time of enrollment and then annually on your enrollment anniversary (fee applies to each enrolling party).

ADDITIONAL PRODUCTS AND SERVICES

Now that you are part of the First Interstate family, you have access to additional banking solutions that weren’t available

at Mountain West Bank.

Bobcat Banking

Show your pride for the Montana State University Bobcats by signing up for Bobcat Banking, exclusively at First Interstate Bank. What is Bobcat Banking? It’s a special program that lets you keep the checking account you currently have with First Interstate Bank, but upgrade your debit card and checks to exclusive designs featuring the famous Bobcat logo. In addition, you receive special amenities only available to Bobcat Banking members.

Features:

• Keep all the elements of your current First Interstate Bankchecking account

• Upgrade to an exclusive Bobcat Banking Debit Card,available only at First Interstate Bank

• Upgrade to exclusive Bobcat Banking checks and receivea $5.00 discount on each check order through First Interstate Bank

Premium Benefits:

• Mortgage Loan origination fee discount of $250.00

ADDITIONAL PRODUCTS & SERVICES continued ←


Investment Services At First Interstate Investment Services, we take pride in helping you set and pursue your financial goals. Together with Cetera Investment Services, we can meet all of your investment and financial needs under one roof. You can even transfer money directly between your investment accounts and your First Interstate Bank checking or savings accounts!First Interstate Investment Services provides the products and services of a full-service investment firm with personal attention you can appreciate.

• Financial Needs Analysis• Stocks• Bonds• Mutual Funds• Annuities• IRA and 401k Accounts• Life Insurance

Securities and insurance products are offered by, and representatives are registered with Cetera Investment Services LLC, Member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with First Interstate Bank or its related companies. View Cetera Investment Services’ privacy policy and other important information. OSJ: 25 E. Lyndale Ave., Helena, Montana 59601.

Securities and insurance products are: * Not FDIC insured * May lose value * Not guaranteed by First Interstate Bank * Not a deposit * Not insured by any federal government agency. Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Wealth Management At First Interstate Wealth Management, we have the expertise to assist you with not only expected issues, but the unexpected as well. We take the time to work comprehensively with our clients, giving you security and peace of mind. We’re proud to serve a wide variety of clients with diverse needs. So no matter what stage of life you’re in, our knowledgeable Wealth Advisors are ready to provide guidance.

• Individuals • Business Owners • Corporate Executives • Foundations • Non-Profit Organizations • Municipalities

FIRST INTERSTATE BANK -- Conversion Guide26

→ COMMITMENT TO COMMUNITY

• Financial EducationWe believe education evolves into responsibility. Working with our branches, we participate in and host local financial education activities, from saving and budgeting to understanding credit and fraud prevention. We are committed to providing life-long financial education for people of all ages in the communities we serve.

• Employee MatchingThe Employee Matching Program enables the Foundation to match employees’ personal contributions of time and money to qualified public charities. The Gift Matching program matches the gifts given by First Interstate Bank

employees dollar-for-dollar. Any employee—from a teller to a Vice President—who makes a donation to a nonprofit that benefits our communities can have their contribution matched by the Foundation. For employees who prefer to donate time, our Volunteer Matching program works in much the same way. The Foundation matches employee volunteer efforts at a rate of $10 for every

hour donated (with a 20 hour minimum).

First Interstate is, has been, and always will be a values-based, family company. These values are the foundation for the relationships we have with our customers, employees, shareholders, and the communities we serve. For us, it’s bigger than banking; it’s about making a difference. We are excited to welcome you into the First Interstate family. We hope you take as much pride in First Interstate’s commitment to community as we do.

OUR COMMITMENT TO COMMUNITY

Our founder, Homer Scott, once said, “If you are part of a place, take care of it.” We continue to take that philosophy to heart today.

At First Interstate, our communities are what drive us to be the best we can be. From supporting them with gifts from our corporate

foundation to investing in and protecting them, we strive to make our communities better places to live and work.

As the charitable affiliate of First Interstate BancSystem, the First Interstate BancSystem Foundation is funded by and works closely with the bank. The Foundation’s mission is to assist the First Interstate Bank family in being the premier corporate citizen in the communities we serve. We’ve fostered several programs and gift matching opportunities for our employees to help us build on this ethic.

• Granting ProgramThe First Interstate Foundation provides funding in two main areas: Community Development and Leadership. Community Development Grants are awarded to nonprofit organizations that provide services to low and moderate income (LMI) individuals and communities across our territory. Leadership Grants give First Interstate employees the opportunity to be community stewards. The Foundation relies on branch leadership to recommend funding based on the needs of their respective communities. From there, the branch and the Foundation grant dollars to community projects and activities.

2013 Total Company Giving:as of December 31, 2013 $2,302,449

Employee Gift Match: $445,469

Employee Volunteer Match: $84,369

Foundation Grants: $608,489

Branch Donation: $1,164,122

FEE SCHEDULE ←

FIRST INTERSTATE BANK -- Conversion Guide 27

• Rolled coin purchase . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10¢/roll• Check cashing for non-customer ($20 minimum) . . . . . . . . . . . . . . . . . . . . . . . . . 1%• Foreign currency handling Customer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $12 Non-customer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50• Foreign drafts Customer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $12 Non-customer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50• Foreign item return fee . . . . . . . . . . . . . . . . . . . . . . . $18 + correspondent bank fee• Dormant account fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10/month• IRA transfer fee (to another financial institution) . . . . . . . . . . . . . . . . . . . . . . . . . . . $25• IRA direct rollover fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25• HSA transfer fee (to another financial institution) . . . . . . . . . . . . . . . . . . . . . . . . . $25• HSA mistaken distribution correction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15• Checkbook reconciliation ($25 minimum) . . . . . . . . . . . . . . . . . . . . . . . . . . $25/hour• Research: Imaged check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1/check• Research: Imaged statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5/statement• Research time . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/hour• Counter check . . . . . . . . . . . . . . . . . . . . . . . . . . . . first ten free; 25¢/check thereafter• Subpoena fees: Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5 Miscellaneous items (per page) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1 Labor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/hour Shipping & handling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . actual cost

Safe Deposit BoxesCheck with your local First Interstate Bank office for size availability and rental rates.• Safe deposit box drilling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150• Safe deposit box replacement key . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $20• Safe deposit box late fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10

Consumer Loan Fees• 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 fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5

Debit CardAll cards with no activity for 12 months or longer will be cancelled.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.

I -Pay & I -BankIf you do not access your I-Pay or I-Bank account for six months, it will be closed.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. Effective date: April 30, 2014

FEE SCHEDULE

If you don’t find the answers to your particular questions here or inthe Products and Services section in this guide, stop by your local

branch office of First Interstate Bank or call 1-888-833-3451.We’re available to answer your questions.

• Stop payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29 I-Bank or telephone banking stop payment . . . . . . . . . . . . . . . . . . . . . . . . . . $17• Pre-authorized payment cancellation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29• Return check/NSF . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29• Overdraft paid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29• Continuous overdraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $8/day after five days (Prime + 4% on overdraft balances on business analysis accounts)• Cashier’s check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5 customer, $10 non-customer• Money order . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $4 customer, $6 non-customer• Gift Card . . . . . . . . . . . . . . . . . . . . . . . . . . . $3.95 customer, $6.95 non-customer• Travel Card . . . . . . . . . . . . . . . . . . . . . . . . . $6.95 customer, $9.95 non-customer• Closed account fee Checking and savings accounts open less than 90 days . . . . . . . . . . . . . . . . . . $10• Incoming wire transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10• Outgoing wire transfer (First Interstate customers only) American . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25 Foreign . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $45• Collections Incoming & outgoing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25 Coupon collection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25 Oil & gas, envelope draft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $35• Duplicate paper statement fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5• Statement special handling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25• Returned deposited item . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $4• Re-deposit fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1• Buy-back fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $3• Manual item processing fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1• Overdraft protection Account transfer or Balance Plus fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5 Credit card transfer fee . . . . . . . . . $10 up to $50; $19 over $50• AdvanceLine annual fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50• Bobcat Banking annual fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15/enrolling party• ATM Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free• First Interstate Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free• First Interstate Business Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free• ATM Card/Debit Card replacement fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5• ATM transactions made at ATMs other than First Interstate Bank Day & Night Teller ATMs . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2• ATM Mini-Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1• Mobile Check Deposit fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1/item• I-Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $4.95/month; 40¢/payment in excess of 20• I-Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free• I-Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free• I-Payables . . . . . . . . . . . . . . . . . . . . . . . . $9.95/month; 50¢/payment in excess of 20• I-Corp Premium . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/month• I-Corp Classic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $9.95/month• I-Corp Basic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free• Treasury bill purchase . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50• Garnishment/levy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $75• Night Depository lock bags . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/bag• Coin counting/rolling (rollings $2.50 minimum) . . . . . . . . . . . . . . . . . . . . . . . . . . . 1%

FIRST INTERSTATE BANK -- Conversion Guide28

→ LOCATIONS

LOCATIONS

MONTANABELGRADE

7001 Jackrabbit Ln.406-388-0917

BIGFORK8111 Montana Hwy. 35406-837-7200

BILLINGS401 N. 31st St.406-255-5000302 N. 31st St.406-255-5292730 Main St.406-255-58002501 Central Ave.406-255-61003199 Grand Ave.406-255-60902850 Old Hardin Rd.406-237-1800830 Shiloh Crossing Blvd.406-255-5858

BOZEMAN202 W. Main406-556-49002800 W. Main406-586-4555MSU-Bozeman268 Strand Union Bldg.406-586-07572023 Burke St.406-556-1058

COLSTRIP6210 Main St.406-748-2840

EUREKA508 Hwy. 93 N.406-297-3116

GARDINER903 Scott St. W.406-848-7474

GREAT FALLS2601 10th Ave. S.406-454-6200211 5th St. N.406-454-62701401 Market Place Dr.406-454-630012 3rd St. NW.*406-727-2265

HAMILTON1501 N. 1st St.406-375-6900

HARDIN402 N. Center406-665-3822403 N. Cody Ave.406-665-3822

HELENA3401 N. Montana Ave.406-457-717125 E. Lyndale Ave.406-457-71512728 Colonial Dr.*406-443-4381

1135 Euclid Ave.*406-443-41002021 N. Montana Ave.*406-449-2265Touchmark Retirement Comm.915 Saddle Dr.406-449-2265

KALISPELL2 Main St.406-756-5200100 E. Cottonwood Dr.406-758-7600100 Hutton Ranch Rd.406-756-5222112 E. Montana St.406-756-5200

LAME DEER502 Cheyenne Ave.406-477-8911

LIVINGSTON207 W. Callender406-222-2950

MILES CITY1115 Main St.406-232-5590

MISSOULA101 E. Front St.406-523-42003502 Brooks406-523-42002500 N. Reserve406-523-4200

Albertsons3800 S. Russell406-523-4200

POLSON49573 US Hwy. 93406-883-8800

RED LODGE602 N. Broadway406-446-1422

WHITEFISH306 Spokane Ave.406-863-8888

WYOMINGBUFFALO

40 E. Hart St.307-684-2581

CASPER104 S. Wolcott St.307-235-4201124 N. Wolcott St.307-235-4201521 SE Wyoming Blvd.307-235-4384CY Albertsons1076 CY Ave.307-235-4297300 SW Wyoming Blvd.Mills, WY307-235-4448

CHEYENNE401 W. 19th St.307-633-84004612 Rue Terre307-633-8476



*Currently a Mountain West branch and will become a First Interstate branch on October 20, 2014.

*

LOCATIONS continued ←

FIRST INTERSTATE BANK -- Conversion Guide 29

GILLETTE222 S. Gillette Ave.307-682-51442201 S. Douglas307-682-5144

JACKSON842 W. Broadway307-734-7373Albertsons105 Buffalo Way307-732-7932120 E. Broadway307-732-7883

LANDER8118 Hwy. 789307-332-7500

LARAMIE221 Ivinson St.307-721-46001771 Snowy Range Rd.307-721-4600

UW Student UnionE. Ivinson & S. 13th St.307-721-4600

RIVERTON323 E. Main307-856-2211

SHERIDAN4 S. Main307-674-74111613 Coffeen Ave.307-672-150124 S. Brooks307-674-7411

SOUTH DAKOTABELLE FOURCHE

41 5th Ave.605-892-2041

CUSTER648 Mt. Rushmore Rd.605-673-2215

40 N. 5th St.605-673-2215

DEADWOOD696 Main St.605-578-1792152 Sherman St.605-722-4650

EDGEMONT501 2nd Ave.605-662-2265

HILL CITY351 E. Main St.605-574-2531

HOT SPRINGS343 S. Chicago St.605-745-6060

LEAD145 Glendale Dr. Ste. 4605-717-9340

NEW UNDERWOOD404 S. A Ave.605-754-6421

RAPID CITY333 W. Blvd. Ste.100605-348-3322711 N. Creek Dr.605-718-2265

SPEARFISH311 N. 27th St.605-717-07271400 North Ave.605-642-2734

STURGIS1200 Main St.605-347-2562

WALL418 Main St.605-279-2141

Sturgis

Edgemont

Deadwood

Wall

Hot SpringsRapid City

New Underwood

SOUTH DAKOTA

Belle FourcheSpearfish

• Sheridan• Buffalo • Gillette

• Casper

• LaramieCheyenne •

• Riverton• Lander

• Jackson

LeadHill City

Custer

WYOMING

• Livingston• Bozeman

• Helena• Missoula

• Hamilton

• Great Falls

• Eureka• Whitefish

Kalispell •

• Polson• Bigfork

• Billings• Hardin

• Red Lodge

• Miles City


• Casper

• LaramieCheyenne •

• Riverton• Lander

• Jackson

MONTANA

Belgrade • • Colstrip• Lame Deer

Gardiner • Sturgis

Edgemont

Deadwood

Hot Springs SOUTH DAKOTA

Belle FourcheSpearfish

LeadHill City

Custer

WYOMING

SOUTHDAKOTA



• Hamilton


Kalispell •



• Red Lodge

• Miles City


• Casper• Riverton• Lander

• Jackson


Gardiner • Sturgis

Edgemont

Deadwood

Hot Springs

SBelle Fourche

Spearfish

LeadHill City

Custer

MONTANA

WYOMING• Laramie

Cheyenne •



• Hamilton


Kalispell •



• Red Lodge

• Miles City

MONTANA


Gardiner •

• Great Falls

Wall

Rapid City

New Underwood

Wall

Rapid City

New UnderwoodSD

Visit firstinterstate.com for additional branch information as well as a complete listing of ATM locations.

Important Phone Numbers• Customer Support (Monday – Friday, 7:30am to 6pm): ............................................................................. 1-888-833-3451• 24 Hour Day & Night Telephone Banking: ...............................................................................................1-888-752-3341• I-Corp Business Online Banking Support (Monday – Friday, 7:30am to 5pm): .........................................1-888-833-3450• After-Hours Debit/ATM Card Support: ....................................................................................................1-800-472-3272• Mortgage Servicing (Monday – Friday, 8am to 5pm): ................................................................................1-866-295-1339

PERSONAL SAVINGS

REGULAR SAVINGS

MARKET INTEREST SAVINGS

HEALTH SAVINGS ACCOUNT**

MONTANA MEDICAL SAVINGS

A good choice for straightforward

individual or family savings with a lower

balance requirement.

Designed for customers who maintain a higher account

balance and want to earn interest.

A Health Savings Account (HSA) is designed for people with High Deductible Health Plans. An HSA is similar to

an IRA or 401(k) for medical expenses. If you change jobs

or move to another city or state, your HSA can move

with you.

Reduce your Montana income tax while saving for future

medical needs and gain tax-saving

advantages while you do so.

Earns tiered money market rates* ■ ■

Minimum Balance Requirement $200 $1,000 $500 $200

Service charge if balance is below minimum $4.00/mo $11.00/mo $6.00/mo $4.00/mo

Withdrawals per month 5/mo 5/mo Unlimited 5/mo

Fee if withdrawals exceed limit $10.00 $10.00 None $10.00

Account Access Solutions All Savings Accounts listed have access to I-Bank Online Banking, I-Statements Electronic Statements, Account Alerts (basic), Direct Connect, and Mobile Banking.

→ SAVINGS insert

FIRST INTERSTATE BANK — Conversion Guide

*All Savings Accounts require a $100 opening deposit. Interest rates are subject to change. ** Free checks and free Debit Card

*All Savings Accounts require a $100 opening deposit. Interest rates are subject to change.

BUSINESS SAVINGS MARKET INTEREST SAVINGS BUSINESS SAVINGS ACCOUNT

A great opportunity for businesses to put their income to work with tiered

interest rates.

Perfect for businesses that maintain a lower monthly balance but still

want to earn interest.

Earns Interest* ■(tiered rates) ■

Minimum balance requirement $1,000 $200

Service charge if balance is below minimum requirement $11.00/mo $6.00/mo

Deposit limit 25 items/mo 25 items/mo

Per deposit item $0.20 after limit $0.20 after limit

Withdrawals per month 5/mo 5/mo

Fee if withdrawals exceed limit $10.00 $10.00

Account Access All Savings Accounts listed have access to I-Corp Online Banking, I-Statements Electronic Statements, and Mobile Banking.

There is an excessive withdrawal fee of $10 if withdrawals exceed five (5) per month. Withdrawals made at an ATM, using online banking, or using the automated telephone banking service are not included in the five (5) per month. Any other type of withdrawal will be counted in the five (5), including in-person withdrawals.

welcome to first interstate bank · state, your hsa can move with you. reduce your montana income...

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