Welcome. to distinctive service and effective advice from the people you know and trust.

Transcription

1 Welcome to distinctive service and effective advice from the people you know and trust.

2 The Pinnacle Difference At our inception in 2000, we decided to create a culture where client service really means something. For us, it s more than smiling and being friendly when you walk in. Below are just a few ways we have gotten rid of the irritants people tell us they experience at other banks. Experienced local professionals. Magna associates will continue to serve our clients, and we will continue to recruit and retain proven talent. Our associates have the independence and expertise to make local decisions. Real people answering the phones. You won t get the never-ending press 1 now options from an automated system when you call our offices. Our associates answer the phones and are ready to help. Accurate and proactive. We can t promise we ll never make a mistake. We do promise to be vigilant about finding, reporting and fixing problems. Extraordinary convenience. We offer a state-of-the-art online and mobile banking system. We also give you free use of virtually any ATM in the U.S. These are just a few ways we make your life easier.

3 Our Track Record Our goal is to have experienced, successful associates provide distinctive service and effective advice to our clients. Happy clients who stay with us over time are the basis for our outstanding financial performance. Excited Associates American Banker named Pinnacle the No. 3 Best Bank to Work For in the country. We were the highest ranking bank in Tennessee. Pinnacle is listed as No. 5 on Fortune s list of Best Medium-Sized Workplaces in America by Great Place to Work. 94 percent of Pinnacle associates stay with us year after year, creating an exceptional client experience. Engaged Clients Financial research firm Greenwich Associates honored Pinnacle with two Best Brand awards one for Ease of Doing Business and the other for Trust in Small Business Banking. More than 96 percent of respondents on our client survey agree that Pinnacle is recognizably better than its competition. Enriched Shareholders We have been the second-highest performing bank stock in the nation since opening our doors in the fourth quarter of 2000 more substantiation that our obsession with our work environment and client satisfaction does indeed lead to outsized shareholder returns. We produce consistently strong asset quality metrics, providing meaningful credit leverage for our firm.

4 Transition Timeline This list highlights some important dates to help ensure that you are prepared for the conversion. Debit Card r November 1 On or before Nov. 1 you will receive your new Pinnacle MasterCard Debit Card. r November 1 November 15 Activate your Pinnacle debit card and establish your PIN. You may begin using it on Nov. 16. Continue to use your Magna debit card through Nov. 15. Online Banking r November 13 November 15 There will be a limit of $2,500 total for debit card purchases and $500 for ATM withdrawals over this weekend from 6 p.m. CT Friday through midnight Sunday. If you are thinking about making any large purchases, please plan accordingly. r November 16 Your Magna Bank debit card will stop working. Now is the time to update any payments you have tied to your Magna debit card with your new Pinnacle card number. r November 6 On or before Nov. 6, you will receive a secure postcard with your temporary password for Pinnacle s online banking. Bill payment users should log in to Magna s online banking system and pay any paperless bills you receive through the system (ebills). Your ebills will no longer be available in Magna s bill pay services after Nov. 7. If you have not received a bill, you may need to contact the biller for your current balance. r November 8 Bill payment users should review payees for additions or deletions. Your payee names, account numbers and addresses will be added to Pinnacle s BillPay services. However, any payees added, edited or deleted after Nov. 8 will not be reflected in Pinnacle s system instructions. r November 10 Mobile deposits through the Magna mobile app will not be available after Tuesday, Nov. 10. r November 13 Magna s online banking will be unavailable starting at 5 p.m. on Friday, Nov. 13. BillPay clients should schedule bill payments to occur prior to Nov. 13. Any bill payments scheduled to be paid after Nov. 13 will not be paid and will need to be re-established in Pinnacle s system after Nov. 16. This includes both one-time payments and those that automatically recur on a set frequency. We will convert your payees, so it should be easy to schedule these payments on Nov. 16. If you use accounting software like Quicken or QuickBooks, go to for an FAQ on how to download your transactions, remove your connection to Magna Bank and re-establish your connection on Pinnacle s system. 2

5 Transition Timeline Online Banking r November 16 Online banking available at 10 a.m. 1. Log in to Pinnacle s Online Banking at 2. Enter your Magna username and the temporary password you received in the mail. If you do not have your password, contact our Client Service Center at (800) Create a new password. 4. Select security questions. From time to time, you may be asked to verify your identity by answering a challenge question you selected. 5. Accept the user agreement. Once you log in you may want to: Check your recurring transfers Check your BillPay payees and re-establish any scheduled bill payments or ebills Download the Pinnacle Financial Partners Mobile Banking iphone, ipad or Android apps Establish your connection to your accounting software BUSINESSES: Review wire transfer templates and re-establish wires BUSINESSES: Log in to other cash management services. If you use services like remote deposit, ACH or lockbox, you will receive information directly about these services and how to access your accounts. 3

6 Your New Accounts Personal Deposit Accounts For us, client service means offering simple, straightforward account options. It also means answering the phone when you call, replacing your debit card instantly and waiving other banks ATM fees. Please refer to the enclosed letter for information on how your specific accounts will be impacted by the transition. Once you review the account descriptions below, it may be that one of our other accounts is of interest to you. Just let us know and we can help you find an account that s best for your specific needs. Checking Basic Access Balance Interest Maintenance Fee $3 $8 $8 $12 Options to waive Waived with estatement Waived with direct deposit and estatement Waived with $1,000 average balance Waived with $2,500 average balance or combined $25,000 Earns interest No No No Yes All non-pinnacle ATM fees waived Free overdraft transfers from a Pinnacle account Yes* Yes* Yes* Yes Online and mobile banking Mobile deposit * Additional features Free checks and cashier's checks Premier and Prime Because Pinnacle does not offer a similar product, we will continue to support these Magna Bank accounts after conversion. Please see the enclosed letter for details on your account. * Typically not available on this account but added as a benefit for your account. 45

7 Your New Accounts Personal Deposit Accounts Savings Your interest rate is not changing at this time. Pinnacle s savings and money market accounts include unlimited deposits and free transfers from your Pinnacle checking account. You re limited to six third party savings-account withdrawals or transfers per month by federal regulation. There is a $5 fee for more than six transactions. However, this limit and fee does not apply to withdrawals or transfers made in person at an office or ATM. The only difference for you will be your account service fee and options to avoid the fee. Vision Savings The $2 monthly service fee is waived with a $500 average daily balance. Outlook Money Market The $5 monthly service fee is waived with a $2,500 average daily balance, $15,000 average combined monthly deposit account balances (business and personal accounts) or $150,000 in Pinnacle Asset Management accounts. Zenith Money Market The $10 monthly service fee is waived with a $10,000 average daily balance, $25,000 average combined monthly deposit account balances (business and personal accounts) or $250,000 in Pinnacle Asset Management accounts. Certificates of Deposit If you currently have a CD or IRA account, the terms and rates will remain the same until maturity. Going forward, Pinnacle offers: Flexible terms from 30 days to five years Competitive interest rates Deposits are FDIC insured up to the maximum allowed by law 5

8 Your New Accounts Business Deposit Accounts Our financial advisors are experienced, local professionals who are empowered to make decisions. Our team is capable of helping clients build something out of the ordinary, tailored to your own needs. Please refer to the letter enclosed with this booklet for information on how your specific accounts will be impacted by the transition. Below are descriptions of Pinnacle s accounts. It may be that one of our other accounts is of interest to you. Let us know and we can help you find an account that s best for your specific needs. Business Checking Horizon 150 Horizon 300 Horizon 500 Summit NOW (Sole proprietors and nonprofits only) Vista Service fee $0 $15 $50 $12 Analyzed Balance to waive N/A $10,000 $30,000 $10,000 Analyzed Combined balance to waive (including personal accounts) N/A $20,000 $60,000 $20,000 Analyzed Monthly interest None None None Tiered Earnings credit on average monthly balances Number of transactions Up to 150 Up to 300 Up to 500 Up to 150 No Limit Per item over transaction limit Free Online Banking with BillPay Free MasterCard Business Debit card $0.25 $0.25 $0.25 $0.25 N/A Fees may apply Fees may apply Check images in statement Access to remote and mobile deposit Fees may apply Fees may apply 6

9 Your New Accounts Business Savings Accounts Business Savings Your interest rate is not changing at this time. You re limited to six third party savings account withdrawals or transfers per month by federal regulation. There is a $5 fee for more than six transactions. However, this limit and fee does not apply to withdrawals or transfers made in person at an office or ATM. Vision Business Savings The $5 monthly service fee is waived with a $500 average daily balance. Zenith Business Money Market Make up to 50 deposits per month. There is a $0.25 charge per transaction for more than 50 deposits. The $10 monthly service fee is waived with an average daily balance of $5,000. Treasury Management Services We will work directly with treasury management clients to ensure a smooth transition. Pinnacle offers sophisticated treasury management tools to all of our business clients, both large and small. Our experienced treasury management advisors learn about your company and its cash flow patterns to discover the right tools for managing the timing of payments and receipts while monitoring the company s cash position. We offer: Making Payments (Disbursements) Electronic Payments/Payroll (ACH) Wire Transfers Online Banking with BillPay Positive Pay Purchasing Card Making Deposits (Receivables) Remote and Mobile Deposit Lockbox Services Electronic Collections (ACH) Merchant Card Services Cash Flow Management Zero-Balance Account Sweep Accounts International Services Foreign Exchange Letters of Credit 7

10 Disclosure of Fees and Service Charges $ NSF/Overdraft Return Item (Per Item) $ NSF/Overdraft Paid Item (Per Item) $ Stop Payment (Per Item) Account Research $ Per Hour $ 1.50 Check Copy $ 5.00 Copy of Previous Periodic Statement $ 5.00 Cashier s Check Client Request $ Returns (Deposited Items Returned Unpaid) $ ACH Returns $ Special Handling on Returns (Deposited Items Returned Unpaid) $ Monthly fee for Accounts with Multiple Signature Requirement on Paid Items $ 0.50 Per item fee for Accounts with Multiple Signature Requirement on Paid Items $ Wire Transfer Incoming $ Wire Transfer Outgoing $ Wire Transfer International $ Foreign Currency Purchase or Exchange ($250 minimum) $ Foreign Draft Purchase $ Deposited Item drawn on any Canadian Financial Institutions $ Deposited Item drawn on any Non-Canadian Foreign Financial Institution $ Courier Pick-Up (Business Clients Only) Safe Deposit Box Annual Rental charge (fee may be discounted on certain accounts) Small $ x5 x21 Medium Square $ x5 x21 Medium Letter $ x10 x21 Large $ x10 x21 Extra Large $ x10 x21 $ Safe Deposit Box Lost Key/Box Drilling $ 5.00 Safe Deposit Box Late Fee $ Items Sent for Collections (Per Item) $ Levy or Garnishment Processing $ Close Account Due to Negative Balance $ Overdraft Fee (Assessed on accounts that remain overdrawn after close of business on 7th business day after initial overdraft) $ 5.00 Monthly Dormant Account Fee 0.90% MasterCard Cross Border Fee equal to 0.90% of the U.S. Dollar value of any transaction conducted at a non-u.s. merchant or location. Fee is originated by MasterCard. 0.20% Currency Conversion Fee equal to 0.20% of the U.S. Dollar value of any trans action where a conversion to a non-u.s. Dollar denomination occurs. Fee is originated by MasterCard. $ Per Payment fee for same-day bill payments $ Per Payment fee for overnight bill payments $ 0.55 Per payment fee for Popmoney personal payments 8

11 Your New Accounts Loan Accounts Loans The rates and terms for your Magna loan are not changing. If you have established automatic payments, they will continue to occur. Clients will receive a monthly billing statement on all loan accounts with Pinnacle. This will include your new account number. You can remit your payment going forward using the return envelope to: Pinnacle Financial Partners, P.O. Box , Nashville, TN Pinnacle also provides several ways to pay your loan electronically, including automatic debit, online banking and loan payments through our website. If you are a mortgage client who currently uses My Mortgage Online or pays by phone you can continue to do so. Please contact our Client Service Center at (800) to discuss options. If you are looking for additional financing, Pinnacle offers a wide range of options for small and large businesses as well as individuals. Lending products are much the same no matter which financial institution you choose. The difference, then, lies in the experience and expertise of the people. We ll work through a variety of factors with you the reason for the loan, existing resources, your desired repayment period and monthly payment threshold to customize a loan that fits your needs. No LOAN calls. Decisions are made locally by someone who knows the market. Personal and Vehicle Loans Lines of Credit Mortgages MasterCard Credit Cards Business Loan and Credit Products Commercial Real Estate Equipment Loans and Leasing Business MasterCard Credit Cards 9

12 Online Banking Quick Reference At Pinnacle, we see convenience as an integral part of distinctive service. We are committed to offering efficient and secure ways to access your financial information. Once you log in to online banking (instructions on page 15), you will see several tabs along the top of the online banking system that will help you navigate our site. Snapshot Tab. View account balances and last five transactions. Use the action menu to review account history, detail and statements. Or get quick access to transfers, payment and contact info. Accounts Tab. See all of your accounts, history and statements. Use the Actions menu to make transfers, sign up for estatements or view history. We will bring over 60 days of history on your account and build a full 24 months going forward. You can research transactions and produce reports based on criteria such as check number, date or amount. Transfers Tab. Set up a one-time transfer or have it happen every week it s up to you. PFM Tab. Our Personal Financial Manager (PFM) tools allow you to track all of your accounts savings, checking, mortgage, investments and even those outside of Pinnacle in one place to see your full financial picture. Set goals, track your budget and see what it will take to pay down debt. Payments Tab. Not only can you pay virtually any business or individual with our free online BillPay services but you can also view history, set up auto payments and receive reminders when a bill is due. We also offer same-day or overnight payment capabilities for a nominal fee. Notify Me Alerts Tab. Track your account balances and transactions with a variety of alerts. Need to know if your balance is low, when a large check has cleared or if your pay has been deposited? We ll send you an or text. Cash Management Tab. Business clients and designated employees use the cash management area of online banking to set authorities and abilities for users within the online banking product. You can initiate outgoing wire transfers and access other treasury management services with our single sign-on capabilities. User Services Tab. Add accounts, order checks, set up estatements or send secure messages. You can also customize your account names and update your personal information. Messages Tab. Send and receive secure messages with Pinnacle. 10

13 Mobile Banking Text. Web. App. You can text, view a streamlined version of online banking or download our Android, iphone or ipad apps. Visit for instructions. Manage your finances. Check your current account balance and search recent transactions by date, amount or check number. Easily transfer cash between your accounts. Pay your bills. Make payments and view recent payments with online BillPay for mobile devices. Deposit your checks. Deposit checks from our iphone, Android or ipad apps. Deposits made prior to 6 p.m. CT will be available the next business day. SERVICES THAT GO BEYOND ONLINE AND MOBILE BANKING Protect yourself from cyber criminals. Pinnacle has teamed with IBM to offer Trusteer Rapport a service that delivers an extra layer of protection so cyber criminals can t access your login information. Learn more at Manage your debit card. CardValet offers real-time control over your debit card from your smartphone. Turn it off if you ve misplaced it, set spending limits or get alerts when the card is used. Learn more at or search CardValet in your app store. Mobile PFM. If you already use PFM in our online banking system, you can download the MoneyMobile app from Money Desktop and sync all of your budgets, transactions and goals to your mobile or tablet device. 11

14 Frequently Asked Questions What is Pinnacle s website address? Will the business hours at my office change? Our new hours are: Monday Thursday 8:30 a.m. 4 p.m. Lobby 8:30 a.m. 5 p.m. Drive Thru Saturday 9 a.m. 12 p.m. Drive Thru Friday 8:30 a.m. 5 p.m. Lobby 8:30 a.m. 6 p.m. Drive Thru Will my branch s phone number change? No. Will any offices be closed? No. Does Pinnacle have a client service call center? You can reach our Client Service Center at (901) or toll free at (800) Does Pinnacle have an automated number? You can reach our self-service, automated line at (866) Your Account Will my account number change? The vast majority of account numbers will not change. However, there were a small number of duplicate account numbers between Magna and Pinnacle. Those clients have already received information about the transition. Will my routing number change? Effective Nov. 16, 2015, the new routing number is Will I continue to receive my ACH deposits and direct deposits? Yes. The Magna routing number will continue to work for a period of time. However, it is recommended that you update any electronic transactions (direct deposit, automatic bill payments, etc.) with the new routing number shortly after Nov

15 Will ACH debits and drafts continue to post to my account? Yes. Any automatic debits tied to your account will continue to occur. However, if you establish a new draft after Nov. 16, please use the new routing number. Any drafts tied to your debit card number will need to be updated (see below). May I continue to use my Magna Bank checks? You can continue to use your current supply. If you use a third-partycheck vendor, please update your routing number when you place a new order. Will my automatic transfers between accounts remain the same? Yes. Will my statement cycle date change? No. However, during the transition, you will receive two statements. One will show your transactions and balances the last day as Magna Bank and the second will show the remainder of the cycle as Pinnacle including your interest paid, if applicable. Will I continue to receive an estatement on my account? If you are currently signed up to receive an estatement, we will continue sending you one through Pinnacle s online banking. If my savings account is automatically linked to my checking account to prevent it from overdrawing, will this feature remain in place? Yes. In addition, Pinnacle provides overdraft transfers between accounts at no charge to you. How will transactions post to my checking account? Your transactions may not be processed in the order in which they occurred. In the normal course of business, deposits are posted to your account first. Payments against your account are processed by category in the following order: rejected items from previous day, teller cashed items at Pinnacle offices, ATM withdrawals, debit card transactions, in-person withdrawals, checks and Automated Clearing House (ACH) items. Items within each category will be paid smallest to largest, with the exception of checks, which are paid in sequential check number order. We reserve the right to change the order of payment without notice to you if we suspect fraud or possible illegal activity affecting your account. Deposits and payments not made on a business day, or made after our offices are closed on a business day, will be processed the next business day as if they occurred that next business day. They will be processed collectively with all other deposits and payments to be processed that next business day in the order set out in the previous paragraph. 13

16 Frequently Asked Questions Will my interest rate on my checking and savings account change? Not at this time. We are converting all accounts at their current rate. If I have accounts at both Magna Bank and Pinnacle, will they be insured separately by the FDIC? If you have accounts with both Magna and Pinnacle, or Magna and Chattanooga-based CapitalMark Bank & Trust, your current deposits will continue to be insured separately until March This grace period gives you time to restructure your accounts, if necessary. CDs are separately insured until the earliest maturity date after March 1, CDs that mature before March and are renewed for the same term and dollar amount are insured separately until the first maturity date after the grace period. If a CD matures during the grace period and is renewed on any other term, it will be separately insured only until the end of the grace period. Debit Cards and ATMs Will my debit card PIN change? Yes. You will receive instructions on how to set a new PIN number along with your card. Are there daily limits on my debit card? For the protection of your account, you have a daily limit of $2,500 at the point of sale and $500 at an ATM. There may be times when you need to make a purchase higher than the standard limits. If so, just call our Client Service Center at (800) May I access all of my accounts through my debit card? You can access a primary checking account and a savings account using your debit card. Will I have to pay ATM fees if I use a non-pinnacle ATM? No. In fact, while we prefer you use a Pinnacle ATM when you can, we will refund the fee the other bank charges you for using their ATM. What should I do if my debit card is lost or stolen? Please contact our Client Service Center at (800) or call your local office immediately to report your card lost or stolen. You can get a new card printed in any Pinnacle office. In addition, you can download our CardValet app that will allow you to turn off your card from your smartphone. Learn more at 14

17 Will I be able to make deposits at ATMs? Effective Oct. 30, 2015, we will no longer accept deposits at the ATM. For your convenience, Pinnacle offers mobile check deposit through our mobile apps and night depository services at numerous office locations. What should I do if I have automatic payments linked to my debit card? You will need to update the card information tied to the payment once you activate your Pinnacle debit card. Where can I find the Guide to Benefits? You can find the MasterCard Guide to Benefits on our website at Does Pinnacle offer Apple Pay? Pinnacle s consumer credit and debit cards are both available for use with Apple Pay. Does Pinnacle offer debit card rewards? Pinnacle does not offer a debit rewards program. As of Friday, Nov. 13, you will stop earning new points. You will have until Dec. 31, 2015, to cash in any rewards points you have accumulated. Please visit for more information. Online Banking and Bill Payment How do I log in to Pinnacle s online banking? Online banking clients will automatically be enrolled in Pinnacle s online banking system with your current username. You will receive a temporary password in the mail prior to Nov. 16. Simply visit to enter your username and temporary password on the homepage and click Log In. You will then be prompted to confirm your address, create a new password and security questions and acknowledge the online banking agreement. What if I don t remember my username or can t find my temporary password? Please call our Client Service Center at (800) Will my recurring transfers continue to occur? Yes. Can I transfer from one account to many in Pinnacle s online banking? We are currently developing this feature and hope to have it available shortly after you begin using our online banking system. 15

18 Frequently Asked Questions Can I continue to make external transfers to non-pinnacle accounts? Yes. However, Pinnacle has a transaction limit of $500 per transfer. When I log into online banking on Nov. 16, will I see my recent transaction history? When you log in to Pinnacle s online banking, you will see 60 days of transaction history. I currently use Online Bill Payment. Will my payees transfer to Pinnacle? For your convenience, your payee names, account numbers and addresses will be converted. However, you will need to re-establish any previously scheduled payments in the new online banking product. How will my Online Bill Payments be processed during the transition? Any bill payments scheduled to occur after Nov. 13 will not be paid and will need to be re-established in Pinnacle s online banking. I currently use estatements. Will my prior statements be available? No. We recommend you download your statements prior to Nov. 13. You will build 24 months of statements in Pinnacle s online banking going forward. If I use Quicken or QuickBooks will my current information still be available after the transition? In order to retain your current information, you will need to download it before Friday, Nov. 13 at 5 p.m. You will need to deactivate your Magna account in the Quicken software. On Monday, Nov. 16, you will need to set up your Pinnacle account in the software. Instructions can be found at Will my alerts in online banking convert? No. We offer similar alerts (balance alerts, spending alerts, etc.) that you can set up under the User Services tab. There are some differences. For example, Pinnacle does not offer alerts on your debit card within online banking. Clients who currently use debit alerts should see our CardValet app at I use People Pay. Will it continue to be available? Pinnacle uses a similar service called PopMoney that can be found under the Payments tab of online banking. We will not be able to access your People Pay history or payees. 16

19 Mobile Banking I currently use Magna Bank s personal mobile app. Will I need to download Pinnacle s app after the transition? Yes. For instructions on how to download our Android, iphone or ipad apps, please visit Does Pinnacle offer a business mobile app? Yes. For instructions on how to download our Android, iphone or ipad apps, please visit Will I still have access to a mobile optimized site? Yes. Please visit for instructions. I currently use Magna Bank text message banking. Will I need to sign up again? Yes. Please visit for instructions. I currently use mobile deposit. Will I still have access? Yes. We will activate mobile deposit so that once you download our app, you will have access. Business Banking Can ACH origination files, federal tax payments or state tax payments have an effective date past Nov. 13? Yes. We will convert any scheduled transactions. If I currently use cash management services (lockbox, remote deposit capture, ACH, positive pay), when will I receive information? We will be working with treasury management clients directly to ensure you are ready for the transition over the next several weeks. If I have questions regarding my analysis account or business online banking, who should I contact? Please contact our Memphis treasury management advisors, Stephanie Foote, (901) or stephanie.foote@pnfp.com, or Joy Bowen, (901) or joy.bowen@pnfp.com. 17

20 Frequently Asked Questions For Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) Will my CD and IRA continue to earn the same interest rate until the maturity date? Yes. Pinnacle will honor all rates and terms for existing CD/IRA accounts. What about my rate bump or triple option feature on my CD? We will honor any special terms on your CD until renewal. How do I renew my CD or IRA? Fourteen days prior to your maturity date, you will get a notice. If you do nothing, it will automatically renew for the same term and currently available rate. If you would like to make changes, simply call or come into an office. Will I receive a renewal notice on my CD? Yes. You will receive a renewal notice 14 days prior to maturity. Will I receive a statement on my IRA? Yes. You will receive an IRA annual statement every January and a renewal notice 14 days prior to maturity. Does Pinnacle offer an IRA Money Market? No. We will convert Magna s IRA Money Market accounts to an IRA CD but allow clients access to their funds. 18

21 Loans Will the terms of my Magna Bank loan change? No. Pinnacle will honor all rates, terms and conditions on existing loans. Will my loan account number change? Yes. Your loan account numbers will change. You will see your new number on your first billing statement. Should I continue to use my Magna Bank HELOC or line of credit checks? No. You will receive checks with your new account number. Please destroy your Magna checks. If I have a home mortgage with Magna, should I continue to use my coupon book? Yes. Nothing is changing for you. You can continue to make payments as you always have. If I receive a monthly loan statement, how do I make loan payments? If your payment is automatically drafted from your account there is no change for you your payments will continue to occur. There are several options for loan payments, and you can choose whatever method works best for you. We offer: Automatic drafts We can help you set up an automatic draft in our Client Service Center at (800) Online payments If you have a Pinnacle deposit account, you can pay your loan through our online banking system. If not, we have a system to make one-time payments. Call our Client Service Center for more information on how to make electronic payments at (800) If you prefer to mail your payments, simply use the return envelope in your statement and send to the new address: Pinnacle Financial Partners, P.O. Box , Nashville, TN Note: If you use another bank s bill payment services, you will need to update your account number and mailing address. 19

22 Pinnacle Financial Partners Locations Hendersonville Ashland City Lebanon Nashville Mt. Juliet Dickson Brentwood Franklin Murfreesboro Oak Ridge * Knoxville Shelbyville Memphis Chattanooga * * Cleveland Headquarters CONTACT INFORMATION Memphis Client Service Center (901) NOTE: this number will be answered by Pinnacle s Client Service Center at the hours below beginning Nov. 16, Toll-Free (800) Monday Friday, 6 a.m. 10 p.m. (CT) Saturday, 7 a.m. 4 p.m. (CT) Sunday, 1 p.m. 5 p.m. (CT) PINNACLE ANYTIME AUTOMATED SYSTEM Toll-Free (866) * Coming in March

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