THE QUESTION emerges: WHY WORK ANYwhere ELSE?

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1 Banking Unusual

2 THE QUESTION emerges: WHY WORK ANYwhere ELSE?

3 CONTENTS HISTORY Peoples Today CULTURE Values Awards PRODUCTS & PRICING Product List Pricing Structure SUPPORT TEAMS Mortgage Operations Capital Markets Information Technology Marketing BENEFITS & PERKS Benefits Compensation

4 At Peoples Bank we re Unusual. We don t have Customers; we have Guests. And that s because we believe in treating each person as if they were a Guest in our home. This basic philosophy is the cornerstone of our ongoing commitment to world-class service. We aren t the biggest bank in the nation (and we don t want to be), but we strive to be the best. We are in what I call the sweet spot small enough to care about every Guest and each Banker, but big enough to compete successfully. I love to travel to each banking location and talk to our Bankers. I always ask, What can we do to be better? This is a question I promise to never stop asking and I never want our Bankers to, either. Thanks for taking time to allow us introduce ourselves at Peoples Bank. After you read this packet, if you find your commitment to excellence and values are aligned with ours, we look forward to pursuing a partnership. Sincerely, Wint Winter, Jr. CEO & General Counsel 4831 W. 6th Street, Lawrence, KS wwinter@bankingunusual.com

5 HISTORY

6 The Older the Fiddle, the Sweeter the Tune Peoples Bank was originally chartered in 1871 in Ottawa, Kansas, and we ve never looked back. On New Year s Day in 1934 we proudly received our FDIC membership. The modern-day bank was purchased by the Winter family in 1974 and the seeds for a brand new concept in banking were planted. Over the next decades, Peoples grew up and out offering banking services to several communities in Kansas and New Mexico. In 1983 we added Mortgage services to the list of our offered banking products. Our expertise and our commitment to provide top-quality Mortgages have allowed us to expand our Mortgage Banking locations from the San Francisco Bay to the Chesapeake Bay. I m grateful for the opportunity to work at such a dedicated and caring bank. It really feels like family. Denise, Mortgage Manager

7 From Roots to Branches: Peoples Bank Today (as of ) $410 million Assets Almost $2 billion Mortgage Volume in 2012 More than 500 Bankers Over 75,000 Guests 87% Amount of Guests who are extremely satisfied (peer average is 78%) 26 (and growing) Mortgage Banking Locations 13 States in which we have locations 50* States in which we lend * Peoples is a federally regulated, Member FDIC, and Federal Reserve Bank. That means there is no individual Loan Officer licensing required.

8 CULTURE

9 WHO ARE WE? We bake chocolate chip cookies in our lobby and walk Guests to their car with an umbrella when it s raining. We stay late to get the job done, and we celebrate together when we ve succeeded. We provide world-class service and have a little (or a lot of) fun while we do it. We re a family-owned and operated bank who is unusually passionate about helping people achieve financial betterment. We make it possible for families to purchase their home, help parents save for their child s college tuition, and support our Guests dreams by giving them an opportunity to start their own business. We re banking unusual, and we ve been doing it since We re small enough to care about every Guest and each Banker, but we re big enough to successfully compete. Wint Winter, Jr., CEO & General Counsel

10 values we are passionate about our unique culture, and Our values shape that culture. They guide our daily interactions with each other and with our Guests. What can you expect from us? Passion An intense, emotional desire to succeed and serve others Inspire others to be their best Provide superior service to create Raving Fans Demonstrate care and compassion for our Bankers, Guests and communities Embrace great ideas no matter where they come from Uncommon Service Generously giving of our time and talent to advance the wellness of our Bankers, Guests, communities and stakeholders Treat others as we would our respected Grandma Act as servant leader to the communities in which we serve Create financial partnerships which are mutually beneficial Serve as a trusted advisor to our Guests Act in the best interest of our Guests when selling products and services Fun Creating a culture of enjoyment and cohesion through laughter, humor and celebration Exhibit a sense of humor which allows us to take ourselves lightly while continuing to take our jobs seriously Create a-ha moments which add personality to the Guest experience Celebrate the success of ourselves, our fellow Bankers, and our Guests Provide a friendly environment in which all are encouraged to be creative and unusual Incorporate daily choices that promote physical and mental well being Teamwork A unified culture that encourages diversity of thought and viewpoints Share successes and credit others for contributions Proactively share decisions with those affected by the decision Respectfully compare or offer alternatives, points of view, options or opinions Clearly communicate ideas and encourage collaboration Take the time to develop, support, and maintain, positive, work-related relationships Transparent Integrity Our actions reflect our high ethical standards Build trust by communicating in an open, honest and respectful manner Hold ourselves accountable for our actions and outcomes Honor the trust of those we serve Consistently do the right thing even when no one is looking Never compromise our values Excellence Provides a world-class Guest experience Demonstrate consistent commitment to exceptional quality Hold self and others accountable for outstanding results Model professionalism Deliver and support superior service and product-review Promote and value a culture of continuous improvement

11 AWARDS, ACCOLADeS & ASSOCIATIONS Thank you! Merci! Gracias! Arigato! We try not to pat our self on the back too often, but we sure appreciate it when other people do! Below are some awards and accolades we are honored to have achieved throughout the years. Rated A+ Better Business Bureau Approved Lender Fannie Mae Mortgage Lender of the Year 2012 New Mexico Mortgage Finance Authority Voted Best Place to Work Albuquerque Business Journal Approved Lender Freddie Mac Voted Best Bank Ottawa Herald Readers Poll Peoples Bank ranks Significantly Higher than their peers in Customer Satisfaction. American Customer Satisfaction Index Voted Best Bank 8 Years in a Row Taos News Readers Poll, Member since 2011 LendRIGHT Member FDIC since 1934 Federal Deposit Insurance Corporation Approved Lender U.S. Department of Housing and Urban Development #1 Community Bank based on Mortgage Production Mortgage News Daily

12 products & pricing

13 MORTGAGE PRODUCTS THAT WORK At Peoples we offer an impressive selection of Mortgage products from the in-demand product to the most unique. With our Peoples Product, we have simplified Underwriting so there are very few overlays or restrictions beyond agency guidelines. As an approved Lender to Fannie Mae and Freddie Mac, we can sell directly to them. This enables us to offer products in the most competitive and convenient way possible. Being unusual means we know how to think outside of the box so our robust Broker Division gives us access to additional niche products. And since we re a bank, we have the ability to keep certain Mortgage loans on our bank portfolio. At Peoples, you will continually receive the tools to be successful. Michael, Mortgage Banker

14 PRODUCT list While our products are dynamic changing due to the market we are proud to be extremely competitive. Take a look at some of the many products we offer: Conventional Jumbo (both fixed and ARM) FHA & VA 203K Construction Loans HELOC Near-Miss Portfolio Product Reverse Mortgages (HECM) Homepath USDA 100% financing Rate Ranger extended lock program Participation in down payment assistance programs My Community Home Possible Back to Work Homestyle PRICING structure Our strategy is to provide Mortgage Bankers with best products accompanied with competitive yet flexible pricing. We believe in hiring quality Loan Officers and enabling them to make pricing decisions.

15 support teams

16 GO, TEAM, GO We believe our company s success starts with a powerful foundation based on Internal Service. From our CEO, to our Processors, to Accounting we re all vital players on the team. We promise to support each other and work together toward success. Our Keys to Success* (in this order): 1. Internal Service Quality 2. Banker Satisfaction 3. Banker Retention 4. Banker Productivity & Performance 5. Guest Service Quality 6. Guest Satisfaction 7. Superior Guest Value 8. Guest Loyalty 9. Peoples Bank Growth & Probability 10. Shareholder Value * adapted from Disney s Loyalty Profit Chain I have never worked in a bank with such a positive attitude between Sales and Underwriting. The feeling of teamwork and family is strong here. Adam, Manager

17 MORTGAGE OPERATIONS 28 day closing guarantee for Purchase loans hour Underwriting turn times Our Buyer Ready Program allows approval all the way through underwriting for prospective home buyers Accessible Underwriting team which uses a common sense approach Branch-level Processing Cooperative and supportive internal Compliance Department Centralized Disclosure Desk Mortgage Servicing Rights are available through our sub-servicer Cenlar Our outstanding Ops team provides support in all continental US time zones CAPITAL MARKETS Our best-in-class Capital Markets Department supports Sales We are a Fannie Mae and Freddie Mac direct Lender Ginnie Mae approval is expected in January 2014 Our relationship with the top Jumbo investors allows us to be extremely competitive in the Jumbo Loan sector We have relationships with virtually all of the top 20 Correspondent Investors, many of which give us Tier One Status for access to their best pricing Our mature Broker Division gives us access to special niche products

18 information technology Our Internal IT Department provides extended-hours support and guarantees uptime and program availability We utilize a custom Ellie Mae Encompass Banker loan operating system Peoples provides an automated pricing engine for building loan scenarios through NYLX marketing Our award-winning Marketing Department is dedicated to support Individual, Branch-level, and Corporate initiatives Provides New Mortgage Banker set-up, including announcements and personalized website Online Marketing Portal is available to customize our library of electronic and printed pieces Loan comparison listing sheets are available for agent contacts Automatic s are sent notifying Borrowers and agents of loan status updates Bank-generated leads are available Continual marketing post-closing with our Private Label mortgage servicing

19 benefits & perks

20 EVEN SWEETER Peoples provides some of the best perks in the business. Competitive pay plans and quality benefits ensure Peoples Bank continues to attract the quality of Bankers we are known for. I love working at Peoples at the end of the day, you just feel good about what you ve done. Mike, Mortgage Banker

21 benefits Choice of health insurance plans based on what works best for you Health insurance coverage is extended to Domestic Partnerships Wellness programs to help you get healthy or stay healthy Dental and vision plans 401 (k) plan Health Saving Account (HSA) and /or flexible spending accounts for medical and dependent care Company-provided life insurance and optional additional coverage Accidental death and dismemberment insurance Short-term and long-term disability insurance Tuition reimbursement for approved courses Charitable leave Peoples strongly believes in Community Service; we encourage our Bankers to take up to eight hours per year of paid time to do community service projects compensation plan According to data provider STRATMOR Group, Peoples Bank provides Loan Officer compensation which is significantly higher than our peers. Why do we do this? It s simple. We believe in attracting the best possible Mortgage Banker. We are committed to being best in class, and we put our money where our mouth is. Furthermore, we nurture the entrepreneurial spirit by running a true P&L and encouraging team-building initiatives.

22 THE QUESTION remains: WHY WORK ANYwhere ELSE?