Welcome Guide. Providence Bank. Countryside Customers. for State Bank of

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1 Providence Bank Welcome Guide for State Bank of Countryside Customers IL South Holland Elmhurst Frankfort Orland Park Wheaton IN Dyer Munster Schererville We are excited to be your community bank.

2 42261 SBCS Welcome Guide_Layout 1 3/21/13 2:06 PM Page 2 April 1, 2013 Welcome! On behalf of everyone at Providence Bank, we welcome you to a bank where you belong. As a member of the Providence Bank family, you will see that our philosophy of doing business is very much in line with what you ve experienced as a State Bank of Countryside customer. e Providence Bank Mission is simple serve our customers by delivering convenient competitive personal & professional products, as well as diverse trust & investment services all with a level of personalized service that is unparalleled by our competitors. We are about making you and our community thrive by being people who listen and providing products that deliver! With your convenience, satisfaction and fiscal trust in mind, we are working closely together with State Bank of Countryside to make this a smooth transition. To learn more about Providence Bank please visit providencebank.com. If you have any questions please contact us locally at , speak with a Relationship Banker at BELONG ( ) or stop by our Frankfort office at South LaGrange Road. Sincerely, Steven G. Van Drunen President & CEO Providence Bank BELONG providencebank.com IL South Holland Elmhurst Frankfort Orland Park Wheaton IN Dyer Munster Schererville

3 Table Of Contents About Providence Bank 2 Personal Accounts 4 Business Accounts 10 Telephone Banking 16 Online Banking and Bill Pay 16 Electronic Statements 17 Personal Debit/Banking Cards 17 Business Debit/Banking Cards 18 Direct Deposit & Electronic Fund Transfers for Personal & Business Accounts 18 Account Numbers & Statements 19 Funds Availability 19 Certificate of Deposit 20 Early Withdrawal Penalties 20 FDIC Insurance 20 Tax Reporting 21 Important Dates Overview Back cover NOTE: e Providence Bank Agreement and Disclosure booklet and Privacy Policy are enclosed with this welcome kit.

4 ABOUT PROVIDENCE BANK Founded by a group of Christian businessmen and bankers in 2004, Providence Bank follows the principles of service and integrity. e founders as well as the entire staff take pride in assisting every customer with his or her banking relationship. As a bank, we understand the importance and the need to provide responsive, local banking services. As a member of the community, we are so sincerely committed to the neighborhoods we serve that we incorporated the Providence Bank Stewardship Program into our corporate principles when the Bank was founded promising that ten percent of the Bank's profits would be donated to civic, non-profit and Christian organizations. People Who Listen From the first contact with us, whether it s on the phone or in person, you will experience the difference. We offer our individual, families and business customers A unique blend of friendly and highly attentive service that builds long-term relationships A thorough understanding of our community Convenience and rapid response that only the very latest banking technology and an on-site management team can provide Products at Deliver Expect solutions from us that maximize your dollars and minimize your time Want a Visa Debit Card? Wishing to take advantage of FREE online Bill Pay and internet banking? Searching for a competitive mortgage or refinance loan with quick results? Want the ability to deposit checks from the convenience of your own office? Looking for an organization that will listen and customize products to fit your business? Need assistance with merchant card program? Tell us your needs we are people who listen and we provide products that deliver! e Providence Bank Mission: To serve our customers by delivering competitive products with a level of personalized service that is unsurpassed. 2

5 LOCATIONS IL LOCATIONS South Holland Office 630 East 162nd Street South Holland, IL Phone: Fax: Elmhurst Office 466 South Spring Road Elmhurst, IL Phone: Fax: Frankfort Office South LaGrange Road Frankfort, IL Phone: Fax: Orland Park Office South LaGrange Road Orland Park, IL Phone: Fax: Wheaton Office 330 South Naperville Road Wheaton, IL Phone: Fax: IN LOCATIONS Dyer Office West 101st Avenue Dyer, IN Phone: Fax: Munster Office th Street Munster, IN Phone: Fax: Schererville Office 950 West U.S. Hwy 30 Schererville, IN Phone: Fax:

6 ACCOUNT INFORMATION Please reference the Providence Bank Agreement and Disclosure booklet for detailed deposit account information. State Bank of Countryside Account PERSONAL ACCOUNTS Simply Better Checking No Frills Checking Local Hero Checking Sixty-Five Special Checking Premium Checking NOW Account Checking Money Market Tiered Money Market Employee Savings Regular Savings Children s ILTUMA Family Savers ILTUMA PERSONAL ACCOUNTS As we transition your banking relationship from State Bank of Countryside (SBC) to Providence Bank, we are pleased to offer you a number of exciting improvements to your existing accounts. Please refer to the Providence Bank Agreement and Disclosure booklet for any changes to the Fee Schedule. Any fees associated with your personal account will be waived on your May 14, 2013 statement. All applicable fees for transactions occurring after May 14, 2013 will be applied to your account on your June 11, 2013 statement. Please review the chart above to see what accounts you will have beginning Monday, May 6, If you would like to learn more about other checking, savings or investment options, please call us at BELONG ( ), visit providencebank.com or stop by your current branch location. ACCOUNT INFORMATION All Providence Personal Checking Accounts receive the following benefits: FREE Internet Banking FREE Telephone Banking FREE Check/ATM Visa Card FREE Check Images with Monthly or Online Statements 4 FREE Bill Pay FREE Direct Deposit FREE Mobile & Text Message Banking UNLIMITED check writing All account information combined on one statement Free downloadable App for Apple and Android users and text message banking are available. Providence Bank does not charge fees for using the mobile banking service. However, your wireless carrier may charge a fee for SMS (text) messaging and/or data usage, whichever is required for mobile banking.

7 Please reference page 19 for details regarding changes to your account numbers. Providence Bank Account Providence Free Checking Providence Free Checking Providence Free Checking Providence Senior Checking Providence Plus Checking Providence Preferred Checking Providence Money Market Providence Platinum Money Market Providence Statement Savings Providence Statement Savings Providence Pals Savings Providence Pals Savings PERSONAL ACCOUNTS CHECKING Account Providence Free Checking (formerly Simply Better, No Frills and Local Hero s Checking ) For customers who value easy money management Features ALL Providence Personal Checking benefits (listed on page 4) 4 FREE non-proprietary ATM withdrawals per month at any STAR or Cirrus ATM Rebate on 4 ATM surcharges per month from other banks (maximum $8.00 per statement cycle) NO minimum balance Electronic statements required Minimum to open $ Monthly service charges NO monthly service fee ATM fees NO fees for using Providence Bank ATMs Account Features Providence Senior Checking (formerly Sixty-Five Special Checking) For customers 55 years and better who utilize our FREE direct deposit, Providence Senior Checking provides these advantages: ALL Providence Personal Checking benefits (listed on page 4) 5

8 Providence Senior Checking continued NO monthly fee NO minimum balance required One FREE Cashier Check per month FREE check printing with the Providence Senior check style or 30% off any other check style we offer 4 FREE non-proprietary ATM withdrawals per month at any STAR or Cirrus ATM Rebate on 4 ATM surcharges per month from other banks (maximum $8.00 per statement cycle) Account Features Providence Plus Checking (formerly Premium Checking) For customers who value easy money management with printed check images, Providence Plus Checking provides these advantages: ALL Providence Personal Checking benefits (listed on page 4) FREE optional printed check images with monthly statement by mail 4 FREE non-proprietary ATM withdrawals per month at any STAR or Cirrus ATM Rebate on 4 ATM surcharges per month from other banks (maximum $8.00 per statement cycle) Minimum to open $ Monthly service charges NO monthly service fee Other charges If balance falls below $ or does not maintain a $1, average collected balance there is a $10.00 monthly service fee applied. Account Providence Preferred (formerly NOW Account Checking) For customers who value an interest bearing account. Features ALL Providence Personal Checking benefits (listed on page 4) Earn interest at any balance Compounded tiered interest paid monthly (higher balances earn a higher rate of interest) FREE optional printed check images with monthly statement 4 FREE non-proprietary ATM withdrawals per month at any STAR or Cirrus ATM Rebate on 4 ATM surcharges per month from other banks (maximum $8.00 per statement cycle) FREE Cashier Checks FREE check printing with the Providence Preferred check style or 30% off any other check style we offer Minimum to open $ Monthly service charges If balance falls below $1, and does not maintain a $2, average collected balance there is a $10.00 monthly service fee applied. Other charges NO fees for using Providence Bank ATMs 6

9 SAVINGS Account Providence Statement Savings (formerly Employee Savings and Regular Savings) For customers that value an easy and convenient way to earn a competitive rate of interest on savings. Features Earn a competitive rate of interest at any balance ATM access when linked to checking account Six FREE withdrawals per month Easy-to-read quarterly statement Minimum to open $ Monthly service charges NO monthly service fee Interest Compounded and paid quarterly Tiered interest paid on collected balance Higher balances earn a higher rate Other charges If balance falls below $ there is a $2.00 monthly service fee applied. A $1.00 service fee applies for each withdrawal exceeding six. Bank regulations limit the number of transfers to six per month, with a limit of six by a third party transfer. Account Providence PALS (formerly Children s ILTUMA and Family Savers ILTUMA) For the young savers learning good saving habits. Features FREE gift at account opening FREE savings register to record transactions and balance Earn interest at any balance Six FREE withdrawals per month Easy-to-read quarterly statement Minimum to open $25.00 Monthly service charges NO monthly service fee Interest Compounded and paid quarterly Other charges If balance falls below $25.00 there is a $2.00 monthly service fee applied. A $1.00 service fee applies for each withdrawal exceeding six. Bank regulations limit the number of transfers to six per month, with a limit of six by a third party transfer. MONEY MARKET Account Providence Money Market (formerly Money Market) For customers who value an interest bearing account with access to funds and check writing privileges. Features Six FREE withdrawals per month Easy-to-read monthly statements Minimum to open $ Monthly service charges NO monthly service fee 7

10 Providence Money Market continued Interest Other charges Compounded and paid monthly Tiered interest paid on collected balance Higher balances earn a higher rate If balance falls below $2, or does not maintain a $5,000 average collected balance there is a $10.00 monthly service fee applied. A $15.00 service fee applies for each withdrawal exceeding six. Transfers from a Money Market account to another account or to third parties by checks, drafts, preauthorized, automatic and telephone transfers are limited to six per statement cycle. Account Providence Platinum Money Market (formerly Tiered Money Market) For customers who value an interest bearing account with access to funds and check writing privileges. Features Earn higher, competitive interest rate Six FREE withdrawals per month Easy-to-read monthly statements FREE starter checks Minimum to open $25, Monthly service charges Interest Other charges NO monthly service fee Compounded and paid monthly Tiered interest paid on collected balance Higher balances earn a higher rate OTHER ACCOUNTS AVAILABLE If balance falls below $2, or does not maintain a $5,000 average collected balance there is a $10.00 monthly service fee applied. A $15.00 service fee applies for each withdrawal exceeding six. Transfers from a Money Market account to another account or to third parties by checks, drafts, preauthorized, automatic and telephone transfers are limited to six per statement cycle. PROVIDENCE STUDENT CHECKING For the student preparing for an after school or summer job or for heading off to college, Providence Student Checking* provides these advantages: Features ALL Providence Personal Checking benefits (listed on page 4) Rebate on 4 ATM surcharges per month from other banks (maximum $8.00 per statement cycle) Minimum to open NO minimum opening deposit or balance required Monthly service charges NO monthly or transaction fees Other charges NO fees for using Providence Bank ATMs * Customers under the age of 18 are required to have a parent/guardian as joint owner on the account. Visa rules require individuals to be 18 years or older for issuance of a Visa Debit Card. 8

11 PROVIDENCE HEALTH SAVINGS Provides a tax exempt custodial account established for the purpose of paying or reimbursing qualified medical expenses for you and your family. Features Easy access to funds via your HSA Debit Card or by writing checks Earn a competitive rate of interest at any balance 4 FREE non-proprietary ATM withdrawals per month at any Star or Cirrus ATM Rebate on 4 ATM surcharges per month from other banks (maximum $8.00 per statement cycle) FREE statement Minimum to open NO minimum required Monthly service charges NO monthly or yearly service fees Interest Compounded and paid monthly Tiered interest paid on collected balance Higher balances earn a higher rate PROVIDENCE CHRISTMAS CLUB For customers who value an easy and convenient way to save gradually and on a regular basis for year-end holiday expenses, the Providence Christmas Club provides these advantages: As little as $25.00 opens an account* Automatic transfer of a fixed amount of your choosing from your checking or savings account on a weekly, bi-weekly or monthly basis, as you prefer Simple interest paid on collected balance at maturity, in mid-october Automatic transfer of balance plus interest to your checking or savings account at maturity * A $5.00 service fee applies if account is closed prior to maturity. No withdrawals permitted prior to disbursement. PROVIDENCE PERFECT CENTS SAVINGS Providence Bank offers a Perfect Cents Savings account linked to your debit card. If you sign up for Providence Perfect Cents Savings, the change from any transaction done with your debit card will automatically be swept into your savings. When you sign up for Providence Perfect Cents, Providence Bank will match 100% of the round up amount for 90 consecutive days, starting the day of enrollment, and up to a maximum of $ e amount matched will accumulate for one transfer to your Savings account at the end of the 90 day period. Please visit providencebank.com for more information. PERSONAL CREDIT CARDS Convenient. Personal. Rewards. Providence Bank offers a variety of credit cards to meet your needs while earning perks at the same time. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs. Easily manage your Providence Bank Personal Credit Card with online account access. To complete an online application visit providencebank.com. In addition, Providence Bank offers a secured Personal Visa Card for those wishing to rebuild or establish credit. Please visit or call a Relationship Banker to learn more about the Providence Bank secured Personal Visa Card. 9

12 ACCOUNT INFORMATION Please reference the Providence Bank Agreement and Disclosure booklet for detailed deposit account information. State Bank of Countryside Account BUSINESS ACCOUNTS Business 500 Checking Small Business Checking Business High Volume Checking Business Money Market Business Tiered Money Market Business Savings BUSINESS ACCOUNTS As we transition your banking relationship from State Bank of Countryside to Providence Bank, we are pleased to offer you a number of exciting improvements to your existing accounts. Please review the chart above to see what account you will have beginning Monday, May 6, If you would like to learn more about other checking, savings or investment options, please call us at BELONG ( ), visit providencebank.com or stop by your current branch location. CHECKING Account Professional Small Business Checking (formerly Small Business Checking) For businesses with smaller balances and low volume activity. Features Business debit card Optional online banking and other cash management services NO minimum balance FREE electronic easy-to-read monthly statements with check images in check number order to facilitate account balancing NO activity charges for fewer than 100 transactions per month including checks paid, deposits, checks deposited, ACH transactions and others Minimum to open $ Monthly service charges Other charges NO monthly service fee Transactions beyond 100 incur a $0.50 fee per item processed. 10

13 Please reference page 19 for details regarding changes to your account numbers. Providence Bank Account Professional Mid-Size Business Checking Professional Small Business Professional Account Analysis Checking Professional Money Market Professional Platinum Money Market Professional Statement Savings BUSINESS ACCOUNTS Account Professional Account Analysis Checking (formerly Business High Volume Checking) For businesses with moderate to high volume activity. Features Business debit card Optional online banking and other cash management services Monthly earnings credits to reduce or eliminate maintenance and processing fees Easy-to-read monthly statements with check images in check number order to facilitate account balancing Optional sweep feature (maximize earning on idle cash balances, while maintaining the liquidity your business demands) Optional combining of activities and balances of two or more accounts for the same business to offset maintenance and processing fees in another account Minimum to open $ Monthly service charges Other charges $10.00 monthly service fee $0.50 per deposit, $0.15 per check deposited, $0.20 items paid, $0.10 per ACH items. 6 11

14 Account Features Professional Mid-Size Business Checking (formerly Business 500 Checking) For businesses with moderate activity, Professional Mid-Size Business Checking provides these competitive advantages: Business debit card NO monthly service fee* NO activity charges for fewer than 300 transactions per month including checks paid, deposits, checks deposited, ACH transactions and others ** Easy-to-read monthly statements with check images in check number order to facilitate account balancing Optional online banking and other cash management services * Minimum balance is $5, or average collected balance of $10, If balance falls below minimum there is a $10.00 monthly service fee applied. **A $.50 fee applies for each transaction exceeding 300 regardless of the balance maintained. SAVINGS Account Professional Statement Savings (formerly Business Savings) For businesses that value an easy and convenient way to earn a competitive rate of interest on savings. Features Earn a competitive rate of interest ATM access when linked to business debit card Six FREE withdrawals per month Easy-to-read quarterly statement Minimum to open $ Monthly service charges NO monthly service fee Interest Other charges Compounded and paid quarterly Tiered interest paid on collected balance Higher balances earn a higher rate If balance falls below $ there is a $10.00 monthly service fee applied. A $1.00 service fee applies for each withdrawal exceeding six. 12

15 MONEY MARKET Account Features Professional Money Market (formerly Business Money Market) For accounts that require few monthly transactions. Earn higher, competitive interest rate Six FREE withdrawals per month Easy-to-read monthly statements with check images in check number order to facilitate account balancing Minimum to open $ Monthly service charges NO monthly service fee Interest Other charges Compounded and paid monthly Tiered interest paid on collected balance. Higher balances earn a higher rate If balance falls below $2, or does not maintain a $5, average collected balance there is a $10.00 monthly service fee applied. A $15.00 service fee applies for each withdrawal exceeding six. Transfers from a Money Market account to another account or to third parties by checks, drafts, preauthorized, automatic and telephone transfers are limited to six per statement cycle. Account Professional Platinum Money Market (formerly Business Tiered Money Market) For accounts that require few monthly transactions. Features Earn higher, competitive interest rate Six FREE withdrawals per month Easy-to-read monthly statements with check images in check number order to facilitate account balancing Minimum to open $25, Monthly service charges NO monthly service fee Interest Other charges Compounded and paid monthly Tiered interest paid on collected balance. Higher balances earn a higher rate If balance falls below $2, or does not maintain a $5, average collected balance there is a $10.00 monthly service fee applied. A $15.00 service fee applies for each withdrawal exceeding six. Transfers from a Money Market account to another account or to third parties by checks, drafts, preauthorized, automatic and telephone transfers are limited to six per statement cycle. 13

16 OTHER ACCOUNTS AVAILABLE PROVIDENCE PROFESSIONAL NOW CHECKING For government and qualifying businesses that value an interest bearing account. Features Competitive interest rate Higher balances earn a higher rate Easy-to-read monthly statements with check images in check number order to facilitate account balancing Optional online banking and other cash management services Minimum to open $ Monthly service charges NO monthly service fee Interest Compounded tiered interest paid monthly Other charges If balance falls below $2, there is a $10.00 monthly service fee applied. $0.50 per deposit, $0.15 per check deposited, $0.20 items paid, $0.10 per ACH items. PROVIDENCE CHARITABLE CHECKING For nonprofit and civic organizations with high volume activity, Providence Charitable Checking* provides these advantages: NO monthly service fee Unlimited check writing Easy-to-read monthly statements with check images in check number order to facilitate account balancing Optional online banking and other cash management services *Providence Bank reserves the right to limit the availability of Providence Charitable and Community products to accounts with reasonable activity levels. PROVIDENCE CHARITABLE NOW CHECKING For nonprofit and civic organizations that want to earn interest, Providence Charitable NOW Checking provides these advantages: Competitive interest rate Compounded tiered interest paid monthly Higher balances earn a higher rate NO monthly service fee* Easy-to-read monthly statements with check images in check number order to facilitate account balancing Optional online banking and other cash management services *Minimum balance is $2, If balance falls below minimum there is a $10.00 monthly service fee applied. Providence Bank reserves the right to limit the availability of Providence Charitable and Community products to accounts with reasonable activity levels. PROVIDENCE COMMUNITY CHECKING For nonprofit and civic organizations with smaller balances and low volume activity, Providence Community Checking* provides these advantages: NO monthly service fee 14

17 NO minimum balance 50 FREE starter checks Easy-to-read monthly statements with check images in check number order to facilitate account balancing *Providence Bank reserves the right to limit the availability of Providence Charitable and Community products to accounts with reasonable activity levels. REMOTE DEPOSIT CAPTURE Unique to our business customer, Remote Deposit Capture allows your organization to deposit funds in a flash right from your location. It s a turnkey scanner system that captures, validates and transmits deposits resulting in fewer trips to the bank, organized deposit records and most importantly making banking most efficient. Advantages: Deposit checks electronically from the convenience of your own office Make deposits 24 hours a day, 365 days a year Improve the availability of deposited funds Archive your checks for easy history look up Streamline your account process Enjoy greater security, simplicity and time savings PROFESSIONAL CASH MANAGEMENT SERVICES To remain competitive in today's fast-paced business environment, you need to be able to focus on your business, not on administrative and accounting tasks. Providence Bank provides a wide range of customized, timesaving cash management services to meet your specific needs. Online Banking for Business ACH Origination (Direct Deposit, Direct Debit) Zero Balance Accounts Positive Pay Solutions Merchant Card Processing Services Other Services: Processing Solutions Point-of-Sale Solutions Wire Transfers Night Depository Telephone Banking Sweep Investment Accounts PROFESSIONAL CREDIT CARDS Have easy access to credit to help manage cash flow effectively while earning perks at the same time with a Providence Bank Professional Credit Card. Providence Bank offers a variety of Business Edition Visa Cards with a wide range of benefits including competitive introductory rates and your choice of rewards programs. Please visit or call a Relationship Banker to learn more and take advantage of the many incentives available with a Providence Professional Credit Card. 15

18 TELEPHONE BANKING Beginning Monday, May 6, 2013 at 8:00 am (CT), you will be able to use Providence Bank s Telephone Banking, a 24-hour phone banking service, by dialing BANK ( ). e first time you call Providence Bank s telephone banking, you will need to choose option 5 to establish a new four-digit Personal Identification Number (PIN). You will need to enter your NEW Providence Bank account number and then you will be prompted to enter a four-digit PIN. At this time, your temporary four-digit PIN number will be the last four digits of your Social Security Number. e system will prompt you to enter a new four-digit PIN. Once you have completed this process, you will have full access to Providence Bank's Telephone Banking. HOW DOES ONLINE BANKING AND BILL PAY BANKING ONLINE WORK? All users of State Bank of Countryside s Online Banking service will be able to use Providence Bank s Online Banking and Bill Pay services beginning Monday, May 6, As of Friday, May 3, 2013 at 4:00 pm (CT), you will no longer be able to access your account information or download history via State Bank of Countryside s online service. To make this transition easier, we strongly recommend you make a record of your alerts, transfers and bill payment history, prior to May 1, 2013, as you will need all this information to re-establish your alerts, transfers and ongoing bill payment transactions. If you have any bill payments scheduled, please ensure they are scheduled to be paid on or before ursday, May 2, Please be certain to download your account history to a program like Quicken or Microsoft Money or print account history prior to 4:00 (CT) pm on Friday, May 3, NOTE: If you have any reoccurring bill payments scheduled, please delete those reoccurring payments before ursday, May 2, You will need to re-establish those reoccurring payments on Providence Bank s bill payment system. On or after May 6, 2013, you will be able to login to Providence Bank s Online Banking. Visit providencebank.com and enter your temporary User ID. Your temporary User ID will be your first initial, last name and birth year in all lowercase characters. Example: John Doe was born May 2, his temporary User ID would be jdoe1962. Your temporary password will be your date of birth in MM/DD/YYYY format. Example: John Doe's temporary password will be 05/02/1962. Note, you must use the forward slashes in with your date of birth for the password. Once you login, you will be asked to create a new password, enter your primary address and answer security questions that will allow you to use our forgotten password system. Once logged in, you may change your temporary User ID by accessing User Services and clicking on Change Access ID in the Security Settings. If you require assistance, please contact us at BELONG ( ). 16

19 In case of errors or questions about your electronic fund transfer information or online services, please see the Electronic Fund Transfer information in the Providence Bank Account Agreement and Disclosure booklet. e Online Banking services from Providence Bank allow you to: Review your account balances View check images from statements produced after May 3, 2013 Review statement history and detail Transfer funds between any of your eligible Providence Bank accounts Pay bills directly through your computer when signed up for Bill Pay Set up automatic payment of recurring bills Send money to friends and family Download your transactions directly into QuickBooks, Quicken or Microsoft Money Electronic Statements Clients who currently receive electronic statements through State Bank of Countryside's internet banking will begin receiving Providence Bank e-statements. You will receive an from Providence Bank that you have a statement available to view the day the statement becomes available. You will be required to register your address and a password with the first notification. If you wish to receive your statements through Internet Banking, simply click on view statement and you will be taken through the registration process for Internet Banking Statements. With Internet Banking Statements, you will have up to 18 months worth of statement history. HOW WILL MY PERSONAL DEBIT/BANKING CARDS WORK? Each cardholder will receive a new Providence Bank Visa Debit Card. If you have any bills that are being paid automatically via your debit card, you must notify the company of your new debit card number and expiration date. In case of errors or questions about your electronic transfers, please reference the Electronic Fund Transfer information in the enclosed Providence Bank Account Agreement and Disclosure booklet. April 23 - May 3, You should receive your new Providence Bank Visa Debit Card between April 23 and May 3, May 3, You may continue to use your current State Bank of Countryside Debit Card until 2:00 pm (CT) on May 3, After 2:00 pm (CT), your debit card bearing the name State Bank of Countryside will become invalid. May 3, You may begin using your new Providence Bank Visa Debit Card as of May 3, 2013 at 3:00 pm (CT). To activate your new debit card, visit any ATM and conduct a transaction using your current Personal Identification Number (PIN) that you used with your State Bank of Countryside ATM/Debit Card. Once transaction is complete your new Providence Bank Visa Debit Card is active and ready to use. If you encounter any issues with your new debit card, please contact us at BELONG ( ). 17

20 HOW WILL THE BUSINESS DEBIT/BANKING CARDS WORK? Each cardholder will receive a new Providence Bank Visa Debit Card. If you have any bills that are being paid automatically via your debit card, you must notify the company of your new debit card number and expiration date. In case of errors or questions about your electronic transfers, please reference the Electronic Fund Transfer information in the enclosed Providence Bank Account Agreement and Disclosure booklet. April 23 - May 3, You should receive your new Providence Bank Visa Debit Card between April 23 and May 3, May 3, You may continue to use your current State Bank of Countryside Debit Card until 2:00 pm (CT) on May 3, After 2:00 pm (CT), your debit card bearing the name State Bank of Countryside will become invalid. May 3, You may begin using your new Providence Bank Visa Debit Card as of May 3, 2013 at 3:00 pm (CT). To activate your new debit card, visit any ATM and conduct a transaction using your current Personal Identification Number (PIN) that you used with your State Bank of Countryside ATM/Debit Card. Once transaction is complete your new Providence Bank Visa Debit Card is active and ready to use. If you encounter any issues with your new debit card, please contact us at BELONG ( ). DIRECT DEPOSITS AND ELECTRONIC FUND TRANSFERS FOR PERSONAL AND BUSINESS ACCOUNTS All of your electronic fund transfers will remain in place and will be routed to your account at Providence Bank beginning on May 6, by way of special arrangement with State Bank of Countryside. In most cases, everything will be automatically changed, and you will have no interruption in your direct deposit or transfer. If you currently have any direct deposits, Automated Clearing House (ACH) or other electronic funds transfers, established on your accounts, we will notify all third parties of your new Providence Bank routing number and modified account number. Subsequently, those parties may notify you directly that a change has been requested. However, each company with which you have authorized ACH transactions may have different notification policies. From our experience, here are some examples of what you may encounter: 1) You might receive a check instead of a direct deposit for a two to four week period, until your payroll department has your new account information in place; 2) You might be contacted by the third party asking you to verify the change request; 3) You may not hear from them and experience a seamless routing of your transactions; 4) Generally, you should experience no interruption of service with Social Security deposits. As of May 6, 2013, all future Automated Clearing House or other electronic transfer relationships that you establish should use Providence Bank s routing (ABA) number and account number in place of State Bank of Countryside s numbers. Providence Bank's Routing (ABA) number is

21 ACCOUNT NUMBERS Your current account numbers with State Bank of Countryside will be modified when converted into Providence Bank. You can expect to receive a correspondence the week of April 29, PERSONAL AND BUSINESS ACCOUNT STATEMENTS e statement you receive dated May 3, 2013 will contain activity from State Bank of Countryside. Providence Bank's statement cycles are end of month for all business checking and money market accounts, the second Tuesday of each month for all personal checking, money market, and Health Savings accounts, and quarterly for all personal and business savings accounts. IRA statements will be generated annually at the end of the calendar year. Any service fees incurred will be assessed on a monthly basis. WHEN WILL FUNDS DEPOSITED IN MY TRANSACTION ACCOUNT BE AVAILABLE FOR WITHDRAWAL? Our policy is to make funds for your cash and check deposits available to you on the first business day after the day we receive your deposit. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 4:00 pm on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 pm or a day we are not open, we will consider the deposit made on the next business day we are open. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposits. Please refer to the Funds Availability information in the enclosed Providence Bank Account Agreement and Disclosure booklet. WHAT WILL HAPPEN WITH MY DEBIT CARD REWARDS PROGRAM? Your Debit Card Rewards Program will cease at conversion. Providence Bank offers a Perfect Cents Savings account linked to your debit card. If you sign up for Providence Perfect Cents Savings, the change from any transaction done with your debit card will automatically be swept into your savings. When you sign up for Providence Perfect Cents Savings, Providence Bank will match 100% of the round up amount for 90 consecutive days, starting the day of enrollment, and up to a maximum of $ e amount matched will accumulate for one transfer to your Savings account at the end of the 90 day period. Visit providencebank.com for more information. 19

22 HOW ARE CHECKS PAID? Providence Bank pays your checks in check number order, paying the lowest number first. WILL MY CERTIFICATES OF DEPOSIT (CD) ACCOUNT CHANGE? Not at this time. All terms and conditions of your Certificate of Deposit will remain the same through the conversion. is includes crediting of interest through maturity. However, fourteen days before the renewal date of your account, you will receive a notice explaining your options. WILL MY IRA DOCUMENTS CHANGE? e name of your custodian will change to Providence Bank. WHAT WILL THE PROVIDENCE BANK EARLY WITHDRAWALS PENALTIES BE? Early withdrawal penalties for existing CD accounts, renewing CDs and new CDs will be subject to the following: 1% of opening balance or last renewal balance. Minimum $ HOW WILL THIS MERGER AFFECT FDIC INSURANCE OF MY DEPOSITS? FDIC insurance will remain the same, if you currently have deposits at one, but not both banks. For customers with deposits at State Bank of Countryside and Providence Bank, the following insurance coverage will apply: Insurance coverage for your deposits will be separate for six months from the date of the merger, May 3, After six months, deposit insurance will be based on the combined deposits at the institutions according to standard FDIC regulations. Time deposits (CDs and IRAs) that have a maturity date after the six-month period of FDIC coverage expires are covered until the maturity date of the time deposit account. Time deposits that mature during the six-month period and are renewed for the same amount (with or without accrued interest added to the account) and the same term as the original deposit will continue to have separate insurance until the first maturity date after the expiration of the six-month period. Time deposits that mature during the six-month period and are renewed on any other basis, or that are not renewed and become demand deposits will be separately insured only until the end of the six-month period. Effective May 6, 2013, deposits opened at Providence Bank or the former State Bank of Countryside, will be aggregated when calculating FDIC insurance. 20

23 HOW WILL THE TAX REPORTING WORK FOR 2013? Form 1099, 1099R, and 5498: State Bank of Countryside will prepare and mail these statements to you for any reportable activity, including interest paid to you, from January 1, 2013, through May 3, Providence Bank will assume responsibility for reporting all activity that occurs after May 3, WHO DO I CALL REGARDING QUESTIONS ABOUT MY ACCOUNTS? You may continue to call your local banking office at , or call BELONG ( ) to speak to any of Providence Bank s Relationship Bankers who will be available to answer any questions you may have regarding your accounts. WHAT WILL HAPPEN TO MY SAFE DEPOSIT BOX? Your Safe Deposit Box at the Orland Park Office will convert to Providence Bank. You will still have access to your boxes during normal business hours as you have in the past. Providence Bank will be working with you in the coming weeks on converting your box into a self storage box which gives you the flexibility to access your box, during normal business hours, without the need for an attendant. You can expect to receive a letter shortly after conversion with details about this conversion. NOTES 21

24 IMPORTANT DATES TO REMEMBER May 3, 2013 Begin using your new Providence Bank Visa Debit Card or Providence Bank Business Banking Card as of 3:00 pm. May 3, 2013 ere will be no online or telephone banking service available after 4:00 pm (CT) on Friday, May 3, 2013 through 8:00 am on Monday, May 6, May 4, 2013 e lobby and drive-up will be open on Saturday, May 4, 2013 from 8:30 am to 12:00 pm and 8:00 am to 12:00 pm respectively. BANK HOURS Effective Saturday, May 3, 2013 Lobby Hours Monday - ursday: 8:30 am - 5:00 pm Friday: 8:30 am - 6:00 pm Saturday: 8:30 am - 12:00 noon Drive-Up Hours Monday - Friday: 8:00 am - 6:00 pm Saturdays: 8:00 am - 12:00 noon Important Phone Numbers SBC Orland Park Direct Number Frankfort Direct Number Toll -Free BELONG ( ) Telephone Banking BANK ( ) providencebank.com IL South Holland Elmhurst Frankfort Orland Park Wheaton IN Dyer Munster Schererville All trademarks and service marks are the properties of their respective owners. 04/13