FIRST NATIONAL BANK OF OMAHA

DEPOSIT INSURANCE COVERAGE DISCLOSURE

Western States Bank, First National Bank of Omaha, FNBO and FNBO Direct are the same FDIC-insured bank. If you have deposits in the same right and capacity with more than one of these, those deposits are added together and insured in accordance with the regulations of the Federal Deposit Insurance Corporation (the “FDIC”). They are not separately insured.