$5k Holiday Sweepstakes

NBH Bank: 2025 $5k Holiday Sweepstakes
CONSUMER DISCLOSURE

Summary
Use your Bank Midwest, Community Banks of Colorado, or Hillcrest Bank VISA Debit Card and for
every 10 Qualified Purchase Transactions (as defined below) between the dates of October 23, 2025
and December 31, 2025 you’ll automatically receive one entry in a drawing to win a $5,000 cash
prize (the “Sweepstakes”). Alternate methods of entry are described below. NO ACCOUNT,
OBLIGATION OR PURCHASE IS REQUIRED TO ENTER OR WIN.

Official Rules

1. Sponsor.
NBH Bank, through its Bank Midwest, Community Banks of Colorado, and Hillcrest Bank divisions
(the “Bank”), is the sponsor of the Sweepstakes. The Bank is principally located at 7800 E. Orchard
Rd., Suite 300, Greenwood Village, CO 80111.

2. Eligibility.
Participants eligible for the automatic entry method described in Section 4 below must have a valid
Community Banks of Colorado, Bank Midwest, or Hillcrest Bank Personal or Business Debit Card.
Health Savings Account Debit Cards are excluded from the automatic entry method. Full and parttime
associates, directors and officers of the Bank and National Bank Holdings Corporation, and
members of their immediate families and households (regardless of where they reside) are not
eligible to enter or win. Winner will be required to prove his or her eligibility before receiving prize.
All participants must be at least 18 years of age and lawful residents of the United States at the time
of entry.

3. Timing.
The Sweepstakes begins at 12:00:00 AM Central Time on October 23, 2025 and ends at 11:59:59 PM
Central Time on December 31, 2025 (the “Sweepstakes Period”).

4. How to Enter.
There are two methods of entry. A participant’s method of entry has no effect on his or her odds of
winning. Methods of entry include:
a. Automatic Entry: Eligible VISA Debit cardholders with consumer or business checking accounts
will be automatically entered in the Sweepstakes once they complete ten signature-based purchase,
internet purchase, phone or mail order purchase, bill payment, Personal Identification Number
(PIN), or small dollar purchase for which a cardholder is not required to sign during the Sweepstakes
Period (a “Qualified Purchase Transaction”). Any transactions that are disputed, fraudulent, or in
violation of any applicable cardholder agreement(s) will not be considered Qualified Purchase
Transactions, and will be disqualified. There is a limit of ten sweepstakes entries during the
Sweepstakes Period.
b. TO ENTER BY MAIL WITHOUT PURCHASE OR OBLIGATION: Hand-print your complete name,
street address, city, state, ZIP code, and daytime and evening telephone numbers (including area
code), and valid email address, on a plain piece of 3" x 5" paper, and mail it in a business-size (#10)
envelope with sufficient postage affixed, to: NBH Bank, Attn: 2025 $5k Holiday Sweepstakes
/Marketing, PO Box 410139, Kansas City, MO 64141-0139. Mailed entries must be postmarked
between October 23, 2025, and December 31, 2025, and received by January 8, 2026, in order to be
included in the random drawing. Enter as often as you wish; however, each mailed entry will count
as one (1) entry into the random drawing and must be mailed in a separate, postmarked-andstamped
envelope. Entries that are mechanically reproduced, copied, illegible, incomplete, or
inaccurate and entries by any means which subvert the entry process are void. Entries become the
property of the Sponsor and will not be acknowledged or returned. Incomplete entries or entries
not complying with these Official Rules are subject to disqualification, at the Sponsor’s sole
discretion. Proof of mailing does not constitute proof of delivery. There is a limit of ten sweepstakes
entries during the Sweepstakes Period.

5. Determination of Winner and Prize.
Eligible automatic and mailed entries will be grouped into three pools (Bank Midwest, Community
Banks of Colorado, and Hillcrest Bank). On or about January 20, 2026, a random drawing will be
conducted to select winning entries. The odds of winning are dependent on the number of
automatic and mailed entries received during the Sweepstakes Period, and are therefore difficult to
estimate. The odds of winning may be as low as 1: 30,000. A total of three (3) $5,000 cash prizes (in
the form of a check) will be awarded during the Sweepstakes (the “Grand Prize”). This Grand Prize
will be awarded to one winner drawn from each of the Bank Midwest, Community Banks of
Colorado, and Hillcrest Bank pools.

6. Notification of Winner.
Winner will be notified by telephone or email by February 1, 2026. In the event that the winner
submitted his or her entry by completing a Qualified Purchase Transaction, he or she will be notified
at the telephone number or address associated with his or her account. In the event that the winner
submitted his or her entry through our no purchase or obligation method, he or she will be notified
at the telephone number or address listed on his or her mailed entry form. If necessary, a second
random drawing will be conducted by February 27, 2026 in the event that (i) the Bank is unable to
contact the winner by February 25, 2026; (ii) the winner is unable to establish his or her eligibility to
enter the Sweepstakes; or (iii) the winner declines the Prize.

7. CONSUMER DISCLOSURE - General Conditions and Rules
a. NO ACCOUNT, PURCHASE OR OBLIGATION IS NECESSARY TO ENTER OR WIN.
b. The Sweepstakes is void where prohibited by law. All local, state and federal laws apply.
c. All entries become property of the Bank. The Bank is not responsible for damaged, inaccurate,
incomplete, illegible, lost or late entries.
d. By submitting an entry, all participants in the Sweepstakes agree to be bound by these Official
Rules and the decisions of the Bank in connection therewith.
e. Tax liability, if any, is the sole responsibility of the winner. The Bank will file the appropriate tax
forms with the appropriate tax authorities, including IRS Form 1099 with the United States Internal
Revenue Service. Each winner is solely responsible for ensuring that the Bank has an up-to-date
mailing address for purposes of sending each winner an IRS Form 1099.
f. The Bank, National Bank Holdings Corporation, and their respective directors, officers, employees,
contractors, agents and representatives (together, the “Sponsor Group”) shall not be liable for any
injury or damage related to or resulting from entering and/or winning the Sweepstakes. By entering
the Sweepstakes, participants irrevocably release and hold the Sponsor Group harmless from any
and all damages and claims of any kind in connection with the Sweepstakes or resulting from
acceptance, possession or use of any prize.
g. Winner irrevocably releases Sponsor Group from any liability whatsoever, and waives any and all
causes of action related to any claims, costs, injuries, losses, or damages of any kind arising out of or
in connection with the Sweepstakes, or acceptance, use of or inability to use, or participation in or
inability to participate in the Sweepstakes or use of or inability to use any prize (including without
limitation, claims, suits, injuries, losses and damages related to personal injuries, death, damage to
or destruction of property, rights of publicity or privacy, defamation or portrayal in a false light,
whether intentional or unintentional), whether under a theory of contract, tort (including
negligence), warranty or other.
h. By accepting the prize, the winner consents to the Bank’s use of the winner’s name, picture,
likeness and/or voice for promotional and publicity purposes.
o. It is the sole responsibility of the participant to notify the Bank in writing if the participant
changes his or her phone number or mailing address. To notify Bank of a change of address or
telephone number write to the address below:

NBH Bank 2025 $5k Holiday Sweepstakes
c/o Client Services and Solutions
NBH Bank
1111 Main Street, Suite 300
Kansas City, MO 64105

j. The Bank is not responsible for unsuccessful efforts to notify a winner.
k. The prizes are non-transferable and non-refundable. No prize supplement or substitute will be
allowed unless otherwise offered by the Bank. The Bank has not made any warranties whether
written, verbal or implied with respect to the prize.
l. Entry materials that have been tampered with or altered are void. If, in the Bank’s opinion, there is
any suspected or actual evidence of electronic or non-electronic tampering with any portion of the
Sweepstakes, or if computer virus, bugs, unauthorized intervention, fraud, or technical difficulties or
failures compromise or corrupt or affect the administration, integrity, security, fairness, or proper
conduct of the Sweepstakes, the Bank reserves the right at its sole discretion to disqualify any
individual who tampers with the entry process and void any entries submitted fraudulently, to
modify or suspend the Sweepstakes, or to terminate the Sweepstakes and conduct a random
drawing to award the prizes using all eligible, non-suspect entries received as of the termination
date. Should the Sweepstakes be terminated prior to the stated expiration date, notice will be
posted on the Bank’s divisional websites. In the event of a dispute as to the identity of the winner
based on an email address, the winning entry will be declared made by the authorized account
holder of the email address submitted at time of entry. CAUTION: ANY ATTEMPT BY YOU TO
DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE IN
VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE BANK
RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY’S FEES) FROM YOU
TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.
m. By entering the Sweepstakes, participants affirm that they have read and accepted these Official
Rules. These Official Rules will be posted on the Bank’s websites and made available upon request at
the Bank’s banking centers.
n. The Sweepstakes is in no way sponsored, endorsed, administered by, or associated with VISA.
o. Bank clients residing in Florida, New York, or Rhode Island cannot participate in the Sweepstakes.
p. Bank clients desiring not to receive future notices with respect to any sweepstakes should mail
their request to the address set forth above.