Welcome to. Bank of the Cascades. News and Information for new customers from Home Federal Bank

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1 Welcome to Bank of the Cascades News and Information for new customers from Home Federal Bank

2 Welcome to Bank of the Cascades We are very pleased to share the information on the following pages, specifically for Home Federal Bank customers. Moreover, we are pleased to bring our two banks together in a merger that will make available more products, services, branches and people to serve your banking needs. As indicated in this packet, we are planning for a conversion of all accounts and services from Home Federal Bank to Bank of the Cascades on May 27, Our intention is to transition you to the account and services that best align with your current Home Federal Bank accounts. Importantly, there is no action you need to take, other than to be aware of the upcoming changes. As you review the information provided, please keep in mind, if you would prefer a different account, or are interested in additional accounts and/or services, we are happy to accommodate you once we have completed the conversion. Just call or come in to a branch anytime in June, and we will work together to make sure you are satisfied with your accounts and services. Together, our goal is to provide you with the expertise and advantage that only a local bank can offer. Personalized service, expertise from our experienced local bankers, and anytime online access are just a few ways we are there for you, anytime and anywhere you need us. Again, we are excited to be merging our two great community banks. Please be sure to contact us if we can be of assistance. Terry Zink President & Chief Executive Officer Bank of the Cascades Len Williams President & Chief Executive Officer Home Federal Bank Transferring your accounts to Bank of the Cascades will require no action on your part. We will take care of the transfer for you. Our goal is to transition you to the account that best suits your banking needs. If you have questions about your new account, please feel free to contact us. We would love to hear from you. Note: If you are unsure of your Home Federal Bank account name, please contact Customer Service and they will identify the account name for you. 2

3 TABLE OF CONTENTS Business Checking Accounts 4 Business Money Market Accounts 6 Business Savings Accounts 6 Cash Management, 7 Merchant Services, Business Credit Cards Personal Checking Accounts 8 Personal Money Market Accounts 10 Time Deposit Accounts 10 Personal Savings Accounts 11 IRA Accounts 11 Health Savings Accounts (HSA) 12 Personal Lines of Credit, 13 Credit Cards Mortgage Loans, 14 Investment Services Important Information 14 At Bank of the Cascades, our mission and values are not simply words on paper. They are ideals and standards to which we hold ourselves and live by every day, through every customer and interaction. We strive to deliver an exceptional banking experience. One where we listen to your needs, respond with solutions, earn your trust and demonstrate reliability. We understand that you have a number of choices when it comes to your business and personal banking, and we genuinely appreciate your choice of Bank of the Cascades. Your Choice Makes a Difference You are making a difference in your community by banking local with Bank of the Cascades. The difference lies in our ability to keep customer deposits right here in our shared communities. We put deposits to work funding loans for local businesses and consumers loans that create jobs, strengthen business, and provide for home ownership and financial convenience. By delivering credit in the communities we serve, Bank of the Cascades helps strengthen our local economies, and that s good for us all. Banking with Bank of the Cascades is a choice to support your local community, a choice to partner with a Bank committed to making a difference right here in the Northwest. Making the Most of Your Banking Relationship We believe the best banking relationships come from a combination of your expertise and ours. We work as a team to support your needs and enjoy the opportunity to develop relationships of lasting value. Bank of the Cascades Branches 20 Tips and Recommendations 21 Disclosure Information, 23 Account Rates 33 MEMBER FDIC 3

4 BUSINESS BANKING We believe the best banking relationships are a combination of your expertise and ours. You can depend on our highly experienced banking teams for customized banking solutions, state-of-the-art cash management tools, the highest level of professional service and local decisions made by local people. Together, let s explore new opportunities that are just right for the business you re working hard to build. BUSINESS CHECKING ACCOUNTS Whether you re a small or large business, we have the right checking account for your business. The following benefits are available with any Bank of the Cascades Business Checking account: Cascade Business Card (debit/atm card) Online Business Banking Note: The majority of Home Federal Bank account numbers will remain the same. A small percentage of account numbers will be changed. If you fall into this category, you will be contacted separately with instructions. The chart below outlines your current account, and the account you will convert to as of Tuesday, May 27, Your Current Home Federal Bank Account Analyzed Business Checking Your New Bank of the Cascades Account Analysis Checking Notes Business Checking 1 Small Business Checking If your 2013 average balance is less than $5,000 OR your account opened in 2014 Business Checking 1 Business Checking If your 2013 average balance is equal to or greater than $5,000 Business Interest Business Checking with Interest Business Economy Checking 1 Small Business Checking If your 2013 average balance is less than $5,000 OR your account opened in 2014 Business Economy Checking 1 Business Checking If your 2013 average balance is equal to or greater than $5,000 Community Checking Premier Business Checking Business Maximizer Non-Profit Interest Checking Business Banking Package Business Investment Checking 1 See enclosed insert for your Home Federal Bank 2013 daily average account balance information. You may also want to consider this unique Business Banking Package, which is offered by Bank of the Cascades. Make the most of your banking options. Find out more below. BUSINESS BANKING PACKAGE This package offers our most popular business products and services with preferred pricing. It is specifically designed to simplify banking and save businesses money. $20 monthly service charge Monthly fee waived when you maintain a minimum daily balance of $3,500 or minimum average daily balance of $6,000 during statement cycle estatements ($3 monthly fee for accounts not enrolled to receive estatements) Cascade Business Card (ATM/debit card) Online Business Banking Online Business Bill Pay Smart Check Recovery: full-service online solution combining electronic and traditional collection methods to deliver more recoveries to your bottom line. Business Checks: $75 credit for your first check order Business Credit Card: no annual fee for the first year* Merchant Bankcard Services competitive analysis and price match Consultation with a Professional Banking Officer, at no charge Service charge free electronic items Direct Deposit and Auto Pay Excess item fee of $.30 for each item in excess of 350 during statement cycle 1 4 *Subject to credit approval. Find out more about our Business Banking offerings by visiting botc.com, calling Customer Service or coming in to a Bank of the Cascades Branch today.

5 BUSINESS BANKING Go anywhere with our business banking account options. The following chart outlines Business Checking account options available with Bank of the Cascades. BUSINESS Checking Accounts Learn more about the features and benefits of your new Bank of the Cascades account below. SMALL BUSINESS CHECKING Perfect for businesses with limited account activity and smaller balances BUSINESS CHECKING Checking for growing businesses with moderate account activity at an affordable monthly fee BUSINESS CHECKING WITH INTEREST Checking for businesses with moderate account activity and earns interest ANALYSIS CHECKING Checking for businesses with high account activity. Balances earn a credit to offset service charges BUSINESS INVESTMENT CHECKING NON-PROFIT INTEREST CHECKING A great option for those special organizations. IOLTA ACCOUNT Service Charge Minimum Balance to Waive Service Charge Excess Item Fee 1 $6 per month $12 per month $15 per month Collected balances earn credit to offset fees charged for services N/A $.30 for each item in excess of 150 during a statement cycle Minimum daily balance of $2,500, or minimum average daily balance of $5,000 during statement cycle $.30 for each item in excess of 250 during a statement cycle Minimum daily balance of $3,500 or minimum average daily balance of $6,000 during statement cycle $.30 for each item in excess of 250 during a statement cycle Interest N/A N/A Interest paid on entire daily collected balance Cascade Card Cascade Business debit card No monthly service charge $10 per month No monthly service charge N/A N/A Minimum daily balance of $1,000 or a minimum average daily balance of $1,500 during statement cycle N/A N/A $.30 for each item in excess of 250 during a statement cycle N/A Tiered Interest rate earned on daily collected balances Interest paid on entire daily collected balance N/A N/A Tiered Interest rate earned on daily collected balances N/A Online Banking Available at no charge estatements Statements are delivered electronically with this account. A fee of $3 will be applied to accounts not enrolled to receive estatements Available at no charge Printed Statements N/A Available at no charge Available at no charge Analysis Statement detailing activities, earnings, and charges Available at no charge Available at no charge Available at no charge Other Electronic items are service-charge free Electronic items are service-charge free Electronic items are service-charge free N/A Sweep only account Electronic items are servicecharge free ACH Debit Block 1 Item fee for all items excluding electronic. Contact us for information on opportunities to earn interest on your excess balances. Notice to Business Customers Bank of the Cascades is required by federal law to enforce the Unlawful Internet Gambling Enforcement Act of This regulation prohibits commercial customers receipt of any deposit or credit of any kind derived from illegal internet gambling. When you maintain an account with the Bank, you agree to tell us if your account is ever used in connection with internet gambling, even if you believe the gambling is legal. If you do not notify the Bank, we may deny further access to various payment methods or close your account. 5

6 BUSINESS BANKING BUSINESS MONEY MARKET ACCOUNTS Our tiered Business Money Market accounts provide easy access to your funds anytime and anywhere. The following benefits are available with any Bank of the Cascades Business Money Market account: Online Business Banking ATM Access Telebanking Direct Deposit Notary Services Auto Pay with participating companies The chart below outlines your current account, and the account you will convert to as of Tuesday, May 27, Your Current Home Federal Bank Account Your New Bank of the Cascades Account Notes Business Money Market Business Money Market* Earn higher interest rates with higher balance tiers $10 monthly service charge Money Market Premium Money Market Business Money Market* Business Money Market* Monthly fee waived when you maintain a minimum daily balance of $1,000 $1,000 minimum opening deposit Interest is compounded and paid monthly on the date of your statement Withdrawals limited to six (6) each calendar month* Images returned with statement, at no charge Money Market Balance Tier: Tier 1: Less than $10,000 Tier 2: $10,000 to $24, Tier 3: $25,000 to $49, Tier 4: $50,000 to $99, Tier 5: $100,000 to $249, Tier 6: $250,000 to $499, Tier 7: $500,000 to $999, Tier 8: $1,000,000 and greater FDIC insurance limit is $250,000 per depositor, per insured bank. * Federal Reserve Regulation D: No more than six (6) transfers/withdrawals, including telephone and pre-authorized transfers from your account per calendar month. Withdrawals or transfers by mail, in person and through an ATM are unlimited and are not subject to the 6-transfer/withdrawal limitation. BUSINESS SAVINGS ACCOUNTS With Bank of the Cascades Business Savings account you can earn interest on funds while saving for future business goals. Your Current Home Federal Bank Account Your New Bank of the Cascades Account Notes Business Savings Statement Savings Business Savings* Business Savings* $4 monthly service charge Monthly fee waived when you maintain a minimum daily balance of $100 during statement cycle Basic Savings Business Savings* $100 minimum opening deposit Withdrawals limited to six (6) each calendar month $1 service charge for each withdrawal in excess of three (3) per calendar month 6

7 BUSINESS BANKING CASH MANAGEMENT If you currently utilize cash management services including ACH, Wires, Remote Deposit or Positive Pay, these services and much more will be available to you on Tuesday, May 27, You will have access to your current online ACH and Wire templates along with 90 days of history. If you have been using a Secure Hard Token to access Online Banking, we have good news, they will no longer be required. Instead, you will use Bank of the Cascades advanced login capabilities including phone and text messaging as well as online registration for access. After May 27, 2014, you should destroy your old token. Our Relationship Banking Team of experts will be available to help guide you through this transition. In the meantime, please go to botc.com where you will find important information to include other products and services to meet your business needs 24 hours a day, seven days a week. ACH and Direct Deposit Payroll Real Time Wire Notification Lockbox ACH Positive Pay Full Reconciliation Services- EDI Reporting Risk Prevention Services Payee-Match Positive Pay Deposit Location Reporting Merchant Services Collection and Disbursement Services Sweeps Wires Enhanced Information Reporting Features Note: All ACH, wire, sub users and other recipient information will transfer to Bank of the Cascades at the time of conversion. Action may be needed for a small number of Remote Deposit users. You will be contacted separately if you fall into this category. MERCHANT SERVICES If you currently utilize Merchant Services through Home Federal Bank, these services will continue to be available to you on Tuesday, May 27, 2014, with no change. If you do not use Merchant Services and would like to learn how your business can benefit from accepting card payments, please ask us. BUSINESS CREDIT CARDS* Offering business customers of Bank of the Cascades a variety of convenient card benefits. NOTE: If you currently have a credit card opened through Home Federal Bank, your card will remain the same and will not transfer to Bank of the Cascades. Business Credit Card With worldwide acceptance and competitive rates, our Business MasterCard is a convenient and reliable payment resource for all of your business expenses. Business Rewards Travel reward program. Earn one point for every dollar spent up to 150,000 points. Business Secured Annual fee waived with 12 or more transactions in previous year. Secured by Time Deposits. FEATURES OF ALL BUSINESS CREDIT CARDS Low annual fee Competitive rates and terms Purchase Assurance In-store, online and telephone purchase convenience MasterRental Insurance/CDW MasterAssist Travel Assistance Service MasterCoverage employee liability protection program VAT Reclaim Service Visit botc.com to find out more about the different types of personal and business credit cards we offer. We ll help you apply for the right card for your lifestyle. *All credit cards subject to credit approval. 7

8 PERSONAL BANKING We believe your personal banking experience should complement your lifestyle. That s why it s important for us to know you and understand your financial needs and your financial goals. Working together, we can build a banking strategy that s convenient, smart and just right for you. Your banking experience should provide you with the confidence, security and extra time to enjoy the things that are most important in your life. We ll help you find the right services for your individual needs. PERSONAL CHECKING ACCOUNTS You can rely on Bank of the Cascades to provide a convenient checking account to best accommodate your personal banking needs. The following benefits are available with any Bank of the Cascades checking account: Cascade Card (ATM/Debit card) Online Banking Auto Pay (with participating companies) estatements Unlimited electronic debits Direct Deposit and Automatic Funds Transfer Telebanking Unlimited check writing Notary services Note: The majority of Home Federal Bank account numbers will remain the same. A small percentage of account numbers will be changed. If you fall into this category, you will be contacted separately with instructions. The chart below outlines your current account, and the account you will convert to as of Tuesday, May 27, Your Current Home Federal Bank Account Your New Bank of the Cascades Account Notes Choice Checking 1 Premier Interest Checking If your 2013 average balance was equal to or greater than $10,000 Choice Checking 1 Interest Checking If your 2013 average balance was less than $10,000 AND greater than $3,000 Choice Checking 1 Choice Package If your 2013 average balance was equal to or less than $3,000 OR if your Choice checking account was opened in 2014 Secure Checking 1, 2 Classic Checking If your 2013 average balance was equal to or greater than $2,500 Secure Checking 1, 2 Choice Package If your 2013 average balance was less than $2,500 OR if your Secure checking account was opened in 2014 Employee Advantage Cascade Connection Fresh Start Wall Street Select Choice Package Premier Interest Checking 1 See enclosed insert for your Home Federal Bank 2013 daily average account balance information. 2 Secure Checking the Secure checking product provided ID Restore service through Deluxe. In order to continue the service, be sure you have activated your account at before May 19, This service will continue to be available through Deluxe in it its current form until January 31, For more information on ID Restore, please contact Deluxe at (866) PERSONAL CHECKING ACCOUNTS (Conversion Exclusive) Your Current Home Federal Bank Account Your New Bank of the Cascades Account Notes Prime 55 Prime Checking Account transfer to Prime Checking is available for these accounts only. Prime Checking Accounts include the following benefits: No Monthly Service Charge No minimum balance required Interest earned on all daily collected balances Online Banking Bank of the Cascades Scenic checks for $10.29 plus any applicable sales tax (continental US only) 8 VIP Checking Prime Checking

9 PERSONAL BANKING Make the most of your personal checking account. The following chart outlines the Personal Checking account options available with Bank of the Cascades. The accounts listed below are specific to this conversion only. PERSONAL Checking Accounts Learn more about the features and benefits of your new Bank of the Cascades account below. Monthly Service Charge Minimum Opening Deposit estatements Printed Statements ATM Fee ATM Credit Checks CHOICE PACKAGE Choose the way you bank and enjoy savings $6.50 Reduce your monthly service charge by $.25 with each Cascade Card purchase (maximum reduction of $6.50 per statement cycle) CLASSIC CHECKING Our classic combination of popular checking features $8 Avoid a monthly service charge by maintaining a minimum daily balance of $750 or a minimum average daily balance of $1,500 during statement cycle RELATIONSHIP CHECKING Recognize your checking, savings and/or money market account balances to offset your fees $15 Avoid a monthly service charge by maintaining a minimum combined monthly average balance of $20,000 during statement cycle INTEREST CHECKING Earn interest on your money while enjoying the flexibility of a checking account $10 Avoid a monthly service charge by maintaining a minimum daily balance of $1,000 or a minimum average daily balance of $2,000 during statement cycle PREMIER INTEREST CHECKING Earn premium interest on your higher balance with this allinclusive account $20 Avoid a monthly service charge by maintaining a minimum daily balance of $5,000 or a minimum average daily balance of $10,000 during statement cycle $100 $100 $100 $1,000 $5,000 $100 Statements are delivered electronically with this account. A fee of $3 will be applied to accounts not enrolled to receive estatements N/A Available at no charge Available at no charge Statements are delivered electronically with this account. A fee of $3 will be applied to accounts not enrolled to receive estatements N/A Available at no charge Available at no charge $2 for cash withdrawals at non Bank of the Cascades or non MoneyPass ATM A credit of up to $6 will be provided monthly for non Bank of the Cascades ATM transaction fees charged by the ATM owner Available at no charge Available at no charge N/A N/A N/A N/A N/A CASCADE CONNECTION 1,2 Combines our popular checking features and services because your employer has chosen to bank with Bank of the Cascades None (no monthly minimum balance required) Statements are delivered electronically with this account. A fee of $3 will be applied to accounts not enrolled to receive estatements Enjoy Bank of the Cascades scenic checks for only $10.29, plus any applicable sales tax (continental United States only). N/A Interest N/A N/A N/A Interest earned on daily collected balances of $1,000 and greater CD-Rom Annual Statements Tiered interest rates paid on daily collected balances of $5,000 and greater Available for $25 Available for $25 Available for $25 Available for $25 No charge CD-ROM N/A Available for $25 1 Your employer must be a Bank of the Cascades customer in order to open a Cascade Connection account. 2 1st order of Cascade Scenic Checks are provided at no charge. Subsequent orders are standard cost plus any applicable sales tax. Note: Please refer to full checking, savings, and rate disclosure information beginning on page 23. 9

10 PERSONAL BANKING PERSONAL MONEY MARKET ACCOUNTS With our flexible and convenient money market account, you can enjoy access to your funds while earning competitive interest rates. The chart below outlines your current account, and the account you will convert to as of Tuesday, May 27, Your Current Home Federal Bank Account Your New Bank of the Cascades Account Notes Money Market Premium Money Market Personal Money Market* Personal Money Market* Earn higher interest rates with higher balance tiers $10 monthly service charge Monthly fee waived when you maintain a minimum daily balance of $1,000 $1,000 minimum opening deposit Interest is compounded and paid monthly on the date of your statement Withdrawals limited to six (6) each calendar month* Images returned with statement, at no charge Money Market Balance Tier: Tier 1: Less than $10,000 Tier 2: $10,000 to $24, Tier 3: $25,000 to $49, Tier 4: $50,000 to $99, Tier 5: $100,000 to $249, Tier 6: $250,000 to $499, Tier 7: $500,000 to $999, Tier 8: $1,000,000 and greater FDIC insurance limit is $250,000 per depositor, per insured bank. * Federal Reserve Regulation D: No more than six (6) transfers/withdrawals, including telephone and pre-authorized transfers from your account per calendar month. Withdrawals or transfers by mail, in person and through an ATM are unlimited and are not subject to the 6-transfer/withdrawal limitation. PERSONAL TIME DEPOSIT ACCOUNTS We help customers set aside and accrue funds through our time deposit account options to meet their long-range goals. Your current Time Deposit will convert with the same term and rate until next maturity. Personal Time Deposits Time Deposits Upgrade Time Deposits Minimum deposit Varies according to term $2,500 Additional deposits anytime up to your original account balance ($100 minimum) Flexible terms 7 days to 4 years 12 to 18 months Interest rates Fixed rate for the term you choose May be increased at your request to a rate in effect at that time, rate increase limited to one time during term of Time Deposit Interest paid Monthly, quarterly, annually or maturity Monthly, quarterly, annually or maturity Early withdrawal A penalty may be imposed for early withdrawal A penalty may be imposed for early withdrawal Automatic renewal Time Deposits with Automatic Renewal have a 10-day grace period after maturity for withdrawals, additions, or changes Time Deposits with Automatic Renewal have a 10-day grace period after maturity for withdrawals, additions, or changes 10

11 PERSONAL BANKING PERSONAL SAVINGS ACCOUNTS The chart on the right outlines your current account, and the account you will convert to as of Tuesday, May 27, Your Current Home Federal Bank Account Your New Bank of the Cascades Account Notes Basic Savings Statement Savings Personal Savings* Personal Savings* $4 monthly service charge Monthly fee waived when you maintain a minimum daily balance of $100 during statement cycle $100 minimum opening deposit Withdrawals limited to six (6) each calendar month $1 service charge for each withdrawal in excess of three (3) per calendar month IRA ACCOUNTS Bank of the Cascades offers a variety of Individual Retirement accounts (IRAs) to help you save for your retirement. Your current Time Deposit will convert with the same term and rate until next maturity. The chart below outlines your current account, and the account you will convert to as of Tuesday, May 27, Your Current Home Federal Bank Account Your New Bank of the Cascades Account Notes IRA 6-11 Month CD IRA Month CD IRA Time Deposit IRA Time Deposit IRA accounts allow you to make deposits into your IRA Month CD IRA Time Deposit account up to your maximum annual contribution IRA Month CD IRA Time Deposit IRA Month CD IRA Month CD IRA Time Deposit IRA Time Deposit Exception: The minimum term offered by Bank of the Cascades for IRA Time Deposit accounts is 180 days. If your IRA Time Deposit has a current term of less than 180 days, at maturity the renewal term will be 180 days. Your Time Deposit and IRA early withdrawal penalty structure will be modified as follows: 90 days of interest on the amount withdrawn with maturities of 12 months or greater. 30 days of interest on the amount withdrawn with maturities less than 12 months. Withdrawal of principal and interest from your Time Deposit or IRA: You may make a principal withdrawal before maturity subject to the penalties listed above. You may withdraw accrued interest before maturity subject to the penalties listed above. You may withdraw interest paid at any time without penalty. Interest on your Time Deposit or IRA accrues daily and will compound as follows: Maturities 90 days or greater are compounded and paid quarterly. Maturities 30 to 89 days are compounded and paid every 30 days. Maturities less than 30 days are compounded and paid at maturity. Automatic renewal: Your Time Deposit or IRA Time Deposit will automatically renew at maturity to the current term. For accounts that automatically renew, at maturity of your Time Deposit or IRA Time Deposit, the renewal term will be the same as the current term. You must notify us in writing before, or within a ten day grace period after, the maturity date if you do not want your account to automatically renew. 11

12 PERSONAL BANKING HEALTH SAVINGS ACCOUNTS Bank of the Cascades offers Health Savings (HSA) options for individuals looking for a bank account that is tax-advantaged for medical expenses not covered by a high deductible health insurance plan. The chart below outlines your current account and the account you will convert to as of Tuesday, May 27, Your Current Home Federal Bank Account Health Savings Account (HSA) Basic Health Savings Account (HSA) Select AHV Health Savings Account (HSA) Your New Bank of the Cascades Account Health Savings Select Health Savings Select Health Savings HEALTH SAVINGS AND MEDICAL SAVINGS ACCOUNTS (Conversion Exclusive) Your Current Home Federal Bank Account Your New Bank of the Cascades Account Notes Filice Health Savings Account (HSA) Filice Health Savings Account No change Filice Health Savings Account (HSA) Filice Health Savings Account No change Preferred Medical Savings Account (MSA) 90-Day Medical Savings Time Deposit Account A separate communication will be sent with additional information regarding this account American Health Value Account (AHV) (MSA) American Health Value Account (AHV) State Qualified Medical Savings Account (MSA) HomeFed State Qualified 90-Day Medical Savings Time Deposit Account Medical Savings Account Medical Savings Account A separate communication will be sent with additional information regarding this account Are you looking for a way to save for your annual health or medical expenses, not covered by insurance? Bank of the Cascades also offers the following account options to help you save for those out of pocket medical fees. Health Savings (HSA) Select, Health Savings (HSA), and Medical Savings (MSA) Account Features Health Savings Select Health Savings Monthly Service Fee No fee $5 monthly fee Can be waived with minimum daily balance of $250, or minimum average daily balance of $500 during statement cycle Annual Fee $40 No fee No fee Medical Savings This account is available for this conversion only $5 monthly fee waived with $500 minimum balance Minimum Opening Deposit Interest Checks HSA Debit/ATM Card Monthly Statements $100 $100 None Tiered interest bearing checking account 1st order at no additional charge You will receive a Cascade Card to replace your current card Provided at no charge to track expenditures 12

13 PERSONAL BANKING PERSONAL LOANS & LINES OF CREDIT If you currently have a loan or line of credit at Home Federal Bank, it will be transferred to Bank of the Cascades. If you currently have a loan or line of credit that is being transferred to Bank of the Cascades, it will automatically convert on May 27, You will begin receiving statements from Bank of the Cascades and your loan number and credit terms will not change unless otherwise notified. If your loan payment is set-up to be automatically transferred, this service will continue. All payments made after May 27, 2014, should be made payable to Bank of the Cascades and delivered to one of our convenient branch locations or mailed to: Bank of the Cascades PO Box 970 Bend, OR CREDIT CARDS The credit card you carry says a lot about who you are. Bank of the Cascades credit cards offer you the same benefits of a major credit card, while adding the benefit of banking local. Make a statement by the card you carry. Sign up for a Bank of the Cascades credit card today and support your community. We ll help you pick the best credit card for you. NOTE: If you currently have a credit card opened through Home Federal Bank, your card will remain the same and will not transfer to Bank of the Cascades. Personal Credit Cards* CASCADE SUMMIT CARD Most popular Bank of the Cascades credit card CASCADE PEAK CARD Travel reward program Earn one point for every dollar spent up to 150,000 points CASCADE CREST CARD An excellent choice for those who are just starting out CASCADE CREST SECURED CARD Ideal entry level card, for rebuilding or establishing credit MasterCard MasterCard MasterCard MasterCard No Annual Fee $40 Annual Fee $35 Annual Fee $35 Annual Fee Competitive Rate Competitive Rate Competitive Rate Competitive Rate Convenient and flexible purchases Travel accident insurance Convenient and flexible purchases Convenient and flexible purchases Pay Bills Pay Bills Pay Bills Secured by Bank of the Cascades Time Deposit account Make cash advances Make cash advances Make cash advances Low credit limit World-Wide Acceptance World-Wide Acceptance MasterCard Global Services World-Wide Acceptance World-Wide Acceptance *All credit cards subject to credit approval. 13

14 PERSONAL BANKING MORTGAGE LOANS Whether you re buying or refinancing, we offer a range of mortgage loans and lending expertise. You can rely on our expert Loan Officers to help you through the process of buying or refinancing a home and provide you with the personalized service you deserve. Conventional fixed rate loans Adjustable rate loans Rural development 100% financings Second home loans First time homebuyer programs Self-employed loans FHA / Federal Housing Administration VA / Veteran Administration ODVA / Oregon Development of Veteran Affairs Oregon Bond loans Jumbo loans Find out more about applying for a mortgage with Bank of the Cascades today! We re here for you and with you. Visit our website at botc.com, and/or contact one of our mortgage loan offices for more information. Note: If you currently have a mortgage that was coordinated by Home Federal Bank, no change will occur to your loan. INVESTMENT SERVICES If you currently utilize Personal Investment Services through Home Federal Bank, these services will continue to be available to you on Tuesday, May 27, 2014, with no change. Securities are NOT FDIC insured, NOT a Deposit, NOT GUARANTEED by Bank of the Cascades and may lose value. IMPORTANT INFORMATION FEES & CHARGES All Bank of the Cascades monthly fees, annual fees, service fees and other account charges are effective as of May 1, 2014, and will apply to your new Bank of the Cascades account on May 27, If you have questions regarding the fee structure of your account(s), please contact us and we will be happy to assist you. 14

15 IMPORTANT INFORMATION CHECKS Bank of the Cascades will continue to honor Home Federal Bank checks until you run out of your current supply. At that time please order your new Bank of the Cascades checks at any branch. CASCADE CARD If you currently have a Home Federal Bank business and/or personal debit card, you will automatically receive our Cascade Card. Your new Cascade Card is both a debit and ATM card in one. In addition to ATMs at our branch locations, Bank of the Cascades is also a member of the MoneyPass ATM Network which provides access to over 23,000 surcharge-free ATMs across the country displaying the MoneyPass logo. For your convenience you may download the MoneyPass App at no charge to find locations nearest you or visit botc.com for ATM locations. Daily purchase limit Your daily purchase limit will now be $5,000 Download the App for the nearest location of a surcharge-free ATM. ATM withdrawal limit Change to Transfer Limitations: The amount of ATM cash withdrawals you may make per account per day will decrease from $515 to $505. A $2 fee will be charged for cash withdrawals at non-bank of the Cascades or non-money Pass ATMs. Automatic payments Your card will have a new number. If you have set up recurring payments you will need to update your debit card information with that payee. ATM deposit The first $500 of deposits made through a Bank of the Cascades ATM is available for immediate withdrawal. Funds in excess of $500 deposited after 6:00pm (PST) are available no later than midnight the following business day. Change to Bank Contact Information for Error Resolution/Event of Unauthorized Transfer/Lost/Stolen Cascade Card: If your statement shows transfers that you did not make, including those made by card, code or other means, or if you believe your Cascade Card has been lost or stolen, you must tell us AT ONCE in order to reduce your liability for unauthorized charges. Please call to report unauthorized transfers and report lost/stolen card. Or write to: Bank of the Cascades Attn: EFT Clerk P. O. Box 369 Bend, Oregon, Business days: Monday through Friday excluding federal holidays. Phone: or Please see the additional important information below regarding your new Bank of the Cascades debit card. Note: If you have a Home Federal Bank Health Savings (HSA) debit card, you will automatically receive a new debit card. Home Federal Bank Card Deactivation Your existing Home Federal Bank debit card will expire on May 27, 2014 at 9:00am (PST). Bank of the Cascades Card Activation You should activate your new debit card upon receipt. Once activated, your new card will be ready for transactions on your Bank of the Cascades account(s) as of Tuesday, May 27, 2014 after 8:00am (PST). PIN Your existing PIN number, linked to your card prior to April 29, 2014, will continue to operate on your new card. Note: you may change your PIN at any time post-activation, with our INSTANT PIN service. 15

16 IMPORTANT INFORMATION ONLINE BANKING Bank of the Cascades Online Banking is available to customers at no additional charge. If you are currently enrolled in online banking with Home Federal Bank, you will be provided access to Bank of the Cascades Online Banking with your account information on Tuesday, May 27, 2014 at 8:00am (PST). Any alert you currently have set up will not convert to our online banking, please be sure to update your profile and reset alerts after May 27, After this date/ time, you will be able to access your account via botc.com using your current sign-in information. Note: The first time you log on to Online Banking you will be considered a first time user. For your security, Bank of the Cascades utilizes a secure access code which relies upon a valid phone or text number. For more information on first time user login procedures, please visit our website conversion page at botc.com. We recommend you get to know our online banking service by viewing our helpful demos and eguides, available at botc.com. You can also pick up one of our conversion FAQ documents at any Home Federal Bank or Bank of the Cascades branch. ONLINE BILL PAY Save time, save money and save stamps with secure and easy Online Bill Pay services from Bank of the Cascades. If you re not currently a Bill Pay user, please call or come in to a branch for personal assistance. If you are currently an online Bill Pay user with Home Federal Bank, you will have access to Online Bill Pay with Bank of the Cascades through our online banking service. Your payees and payments will be available. We recommend you get to know our online banking platform by viewing our helpful demos and eguides, available at botc.com. We are also available to help you at any Home Federal Bank or Bank of the Cascades branch. For additional information about Online Bill Pay, as well as access down times for your accounts during the conversion, please visit the Home Federal Bank conversion information page on our website at botc.com. 16

17 IMPORTANT INFORMATION MOBILE BANKING, MOBILE BILL PAY & MOBILE DEPOSIT We know you have things to do and places to be, that s why we strive to provide our customers with the mobile tools they need to make banking with us a breeze. PERSONAL/BUSINESS LOANS & LINES OF CREDIT If you currently have a loan or line of credit at Home Federal Bank, it will be transferred to Bank of the Cascades. If you currently have a loan or line of credit that is being transferred to Bank of the Cascades it will automatically convert on May 27, You will begin receiving statements from Bank of the Cascades and your loan number and credit terms will not change unless otherwise notified. If you re already an Online Banking user, your are ready to start using Mobile Banking. Just follow the steps below. If you re not already using Online Banking, sign up today and take advantage of our easy, safe and secure online and mobile banking tools! To activate Mobile Banking: Visit our website at botc.com and view the sign up instructions located on the Mobile Banking page. To activate Mobile Bill Pay: Sign in to Online Banking and select the Bill Pay option, and sign up. To initiate Mobile Deposit: Sign in to Online Banking and select the Mobile Deposit option under services listed on the left side of the screen and sign up. We re here to make your banking experience easy and convenient by helping you pay bills, check balances, make transfers and more from your phone or mobile device. Find out more by visiting our mobile banking page at botc.com/mobile-banking. estatements Save time and money with Bank of the Cascades simple and secure estatements. Viewing your account statements has never been easier. If you are currently enrolled to receive your monthly periodic statement through electronic delivery (estatements), there will be no change in your delivery service. You may contact the Bank to request paper copies, withdraw your consent or notify us of changes in your address. You may contact our Customer Service Center at , write to us at PO Box 369, Bend, OR, or contact us electronically through Online Banking at botc.com by clicking estatements under the Accounts section, or visiting any Bank of the Cascades branch. If your loan payment is set-up to be automatically transferred, this service will continue. All payments made after May 27, 2014, should be made payable to Bank of the Cascades and delivered to one of our convenient branch locations or mailed to: Bank of the Cascades PO Box 970 Bend, OR MORTGAGE LOANS Buying a home is one of the most important decisions you will make in your lifetime, which is why Bank of the Cascades and our expert Loan Officers are here to help you. If you would like to discuss applying for a mortgage with Bank of the Cascades, visit botc.com for more information, and contact one of our mortgage loan offices today! If you currently have a mortgage that was coordinated by Home Federal Bank, no change will occur to your loan. SAFE DEPOSIT BOXES Do you need a way to safeguard your valuables? We have safe deposit boxes in various sizes at many of our branches, and we re here to help you pick out the best way to keep your important and valuable items safe and sound. Come in to a branch and ask us for more information. If your current Home Federal Bank branch is consolidated, you will be contacted in a separate communication regarding the transfer process of your safe deposit box. Note: For information on specific conversion details related to your Home Federal Bank online banking access, online statements, and online bill pay, visit our website conversion page and view the Conversion FAQ document at botc.com. 17

18 IMPORTANT INFORMATION PERSONAL OVERDRAFT SERVICES As a personal deposit customer of Home Federal Bank, you may have been enrolled in an automated overdraft service based on your account history and qualifying criteria. This overdraft service provided for payment of inadvertent overdrafts on a discretionary basis. Bank of the Cascades offers Bounce Overdraft Service for personal checking account customers that authorizes and pays inadvertent overdrafts for checks, in person withdrawals, or other electronic means up to $500, including any overdraft fees. If your checking account is currently enrolled in the Home Federal Bank program, you will automatically be provided a $500 Bounce Service limit effective May 27, You may confirm your current overdraft enrollment status by calling Customer Service at through May 23, The following is additional information regarding limitations on excess use of Bank of the Cascades Bounce Overdraft Service: The Bank will provide you additional notification upon the 6th occasion of overdraft activity that occurs in a rolling 12 month period* Your enrollment in the Bounce Overdraft Service will be terminated should either of the following circumstances occur: 30 occasions* of overdraft activity within a rolling 12-month period; or Your account is overdrawn a total of 30 consecutive days within a rolling 90-day period *An occasion is any time an item posts to your account, creates or increases a negative balance, and for which you are assessed a fee. Home Federal Bank customers who have overdraft protection established through preauthorized transfers from a deposit account or line of credit will continue to be enrolled in that service. Please refer to the table below for details on applicable fees and transfer information. If you are not currently enrolled in any overdraft product or service with Home Federal Bank, you may be interested in one or more of the following options, which will be available to you beginning May 27, Please call for more information. Overdraft Options Sweep (automatic transfer) from a Checking, Savings or Money Market account Sweep (automatic transfer) from a Line of Credit (Subject to Credit Approval) Bounce Overdraft Service - $500 limit Cost for Each Overdraft $8 Transfer Fee per sweep (sweeps are processed in $100 increments) No Fee $35 Overdraft Fee per item (daily maximum of $280; no fee for overdraft balances less than $10) If we do not authorize and pay an overdraft, the item presented is returned unpaid and a $35 Return Item fee is charged, per item, with a daily maximum of $280. The merchant may also charge additional fees. Should you choose to enroll, or continue to retain your enrollment, in any of the overdraft options Bank of the Cascades offers, it is important that you understand that our standard practice is to authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number Automatic bill payments We do not authorize and pay overdrafts for the following types of transactions unless you ask us to: ATM transactions Everyday debit card transactions As a Home Federal Bank checking account customer, the selection you made previously, to either Opt In or Opt Out of authorization for ATM or one-time debit card transactions, will automatically carry over to Bank of the Cascades on May 27, Beginning on May 27, 2014, Home Federal Bank and Bank of the Cascades records will be combined and you may call to confirm or change your overdraft choices, including enrollment in the Bounce Overdraft Service and your Opt In or Opt Out selection. We encourage you to fully review the Bounce Service disclosure information provided in the Account Disclosures and Schedule of Fees. An additional resource for information regarding the management of Overdraft and Non Sufficient charges can be obtained at the following Federal Trade Commission website: 18

19 IMPORTANT INFORMATION BUSINESS OVERDRAFT SERVICES As a business deposit customer of Home Federal Bank, you may have been enrolled in an automated overdraft service based on your account history and qualifying criteria. This overdraft service provided for payment of inadvertent overdrafts caused by checks, ACH debits, ATM or debit card transactions, on a discretionary basis. Because Bank of the Cascades does not offer an automated overdraft service on business checking accounts, if your checking account is currently enrolled in the Home Federal Bank s program, your access will be terminated effective May 27, Home Federal Bank customers who have overdraft protection established through preauthorized transfers from a deposit account or line of credit will continue to be enrolled in that service. Please refer to the table below for details on applicable fees and transfer information. If you are not currently enrolled in any overdraft product or service with Home Federal Bank, you may be interested in one or more of the following options, which will be available to you beginning May 27, Overdraft Options Sweep (automatic transfer) from a Checking, Savings or Money Market account Sweep (automatic transfer) from a Line of Credit (Subject to Credit Approval) Cost for Each Overdraft $8 Transfer Fee per sweep (sweeps are processed in $100 increments) No Fee If we do not authorize and pay an overdraft, the item presented is returned unpaid and a $35 returned item fee is charged, per item, with a daily maximum of $280. The daily maximum of $280 does not apply to Business Analysis Checking. The merchant may also charge additional fees. Beginning on May 27, 2014, Home Federal Bank and Bank of the Cascades records will be combined and you may call to confirm or change your overdraft choices. 19

20 BRANCHES & SERVICES CENTRAL OREGON WILLAMETTE VALLEY TREASURE VALLEY IDAHO BEND Downtown 1100 NW Wall St KEIZER 5120 River Road N BOISE Overland 6981 Overland Rd KUNA 840 E Avalon St BEND 3rd & Revere 1700 NE Third St PORTLAND 888 SW Fifth Ave, # BOISE Parkcenter 871 Parkcenter Blvd MERIDIAN E Broadway 30 E Broadway BEND South S Hwy SALEM Hawthorne 520 Hawthorne Ave SE BOISE Downtown 121 N 9th St, Ste MERIDIAN Silverstone 3405 E Overland Road BEND West 200 SW Century Dr SALEM Commercial St 3999 Commercial St SE CALDWELL 923 Dearborn Street MERIDIAN Ustick Marketplace 3630 N Eagle Rd BEND West Safeway 320 SW Century Dr EUGENE Santa Clara 25 Division Ave EAGLE 1101 E Winding Creek Rd MOUNTAIN HOME 400 N 3rd East BEND East Forum 2630 NE Highway EUGENE Downtown 899 Pearl Street EMMETT 250 South Washington NAMPA th St th Ave South REDMOND 154 SW Sixth St EUGENE W 11th Ave 3540 W 11th Ave FRUITLAND 1850 N Whitley Dr NAMPA Karcher 1820 Caldwell St MADRAS 1150 SW HWY SPRINGFIELD Gateway 1008 Harlow Rd GARDEN CITY 4126 Adams PRINEVILLE 555 NW 3rd St SOUTHERN OREGON SISTERS 272 E Main St GRANTS PASS North 1304 NW 6th St (541) SUNRIVER Beaver Dr GRANTS PASS South 265 Union Ave KLAMATH FALLS 421 S 7th St MEDFORD Crater Lake Hwy 3100 Crater Lake Hwy MEDFORD Barnett Rd 2646 Barnett Rd MEDFORD Biddle Rd 1000 Biddle Rd CONTACT US 20 Customer Service or Monday - Friday 6:00am to 7:00pm (PST) Saturday 9:00am to 3:00pm (PST) cascades@botc.com (Note: This is an unsecure address) Telebanking 24-hour Customer Service TTY/TDD (Hearing Impaired) MasterCard Customer Service Mortgage Center Bend mortgagecenter@botc.com Trust Services Bend Boise