Welcome Guide For Business Clients

Transcription

1 Welcome Gide For Bsiness Clients Welcome to the First Merchants family! 1

2 Abot First Merchants Banking. Insrance. Trst. Abot First Merchants With nearly 100 banking locations throghot 26 Indiana conties as well as two in both Illinois and Ohio, we provide or cstomers with broad financial services delivered locally by bankers who are known and trsted in their commnities. First Merchants Corporation is the 105th largest financial services company in the contry, as well as the largest financial services holding company headqartered in Central Indiana. For 120 years, or focs has been, and remains on bilding deep, lifelong relationships. The Strength of Big, The Service of Small, since Or family incldes: First Merchants Bank, N.A. Serves Adams, Brown, Delaware, Fayette, Hamilton, Hendricks, Henry, Howard, Jay, Johnson, Lake, Madison, Miami, Morgan, Porter, Randolph, Shelby, Union, Wabash, and Wayne conties in Indiana, Cook and DPage conties in Illinois, and Btler Conty in Ohio. Lafayette Bank & Trst, A Division of First Merchants Bank, N.A. Serves Tippecanoe, Carroll, Jasper, White, Montgomery, and Clinton conties in Indiana. Commerce National Bank, A Division of First Merchants Bank, N.A. Serves Franklin Conty in Ohio. First Merchants Trst Company, A Division of First Merchants Bank, N.A. One of the largest trst companies in the state of Indiana; provides a fll complement of trst and investment services. corporate headqarters First Merchants Corporation 200 East Jackson Street Mncie, Indiana Stock Symbol: NASDAQ: FRME First Merchants Insrance Grop Offers an extensive line of commercial insrance prodcts complemented by personal insrance and employee benefit packages. Trst and insrance prodcts are not bank deposits and are not FDIC insred. First Merchants Bank, N.A. P.O. Box 792, Mncie, IN Lafayette Bank & Trst A Division of First Merchants Bank, N.A. P.O. Box 1130, Lafayette, IN Commerce National Bank A Division of First Merchants Bank, N.A Olentangy River Road, Site 100, Colmbs, OH First Merchants Trst Company A Division of First Merchants Bank, N.A. P.O. Box 792, Mncie, IN First Merchants Insrance Grop 302 E. Jackson St., Mncie, IN

3 CEO Welcome Dear Valed Client: Welcome to First Merchants! We are excited that the legal merger of Citizens Financial Bank into First Merchants Bank is complete. Or focs now is to ensre yor smooth transition into First Merchants, which is schedled to occr Febrary 22 and 23, Upon completion, yo will have access to expanded prodct and service offerings inclding trst, wealth management and insrance services, while still enjoying commnity banking service delivered by people yo know and trst. Yo will also have access to nearly 100 banking locations throghot 26 Indiana conties as well as two conties in both Illinois and Ohio. Like Citizens, First Merchants shares a commitment to local decision-making, personal service, long-term relationships and commnity involvement. We believe these core vales are fndamental to commnity banking. The good news is that yor accont featres and benefits will remain the same with only a few exceptions. The enclosed booklet, and other targeted mailings yo will receive in the ftre, have been developed to provide yo with easy to nderstand information regarding any changes we have identified. If yo have qestions, as always, please feel free to contact yor local banker for assistance, or call Cstomer Service at We will post reglar pdates on or website, and encorage yo to visit for p-to-date information. We appreciate yor relationship and bsiness, and look forward to the contined opportnity to earn yor bsiness each and every day. Personally yors, Daryl D. Pomranke Regional President Michael C. Rechin President and CEO

4 VISION, MISSION & VALUES Vision A financial services company focsed on bilding deep, lifelong client relationships and providing maximm shareholder vale. We provide an experience where cstomers can bank with their neighbors, realizing that or bsiness begins and ends with people. To achieve or vision, we mst also balance it with or Credit Cltre Statement: Credit Qality and Risk Management, in all of its forms, is one of the single most important determinants of retrn to or shareholders, commnities and employees. Credit is, and will contine to be, one of the highest levels of focs for the organization and its management. Or sccess will be determined by or ability to manage the credit we extend. Mission To deliver sperior personalized financial soltions to consmer and closely held commercial clients in diverse commnity markets by providing sond advice and prodcts that exceed cstomer expectations. Vales Client Satisfaction: Focs on the client in all that we do. Teamwork: Teams make better decisions. Local Decisions: Make decisions locally stay close to the client. Integrity: Maintain the highest standards with clients, associates, commnities and stakeholders. Qality: Provide predictably sperior exection. People: Respect and vale people as or competitive advantage. Financial Performance: We operate profitable lines of bsiness to benefit or stakeholders. Balanced Risk: Balance vale creation with vale preservation. Credit: Manage the credit we extend. We're committed to or commnities First Merchants, commnity commitment has been or philosophy since day one. It s more than words; it s how we do bsiness. We are bankers working with cstomers in the cities, towns and commnities in which they live, and we spport and encorage or employees active involvement. Or First Merchants Serves program encorages volnteer efforts with a nified message of service. The company offers paid time off Commnity Days for or team to se on organized Commnity Day programs. Dozens of employees participate each year, serving organizations like the Animal Resce Fnd, First Choice for Women, Read to Scceed, Salvation Army s Distribtion Cheer, the Make-A-Wish Fondation, Operation Feed, United Way, Little Red Door, and Habitat for Hmanity. First Merchants is also an Official Certifying Organization for The President s Volnteer Service Award.

5 WHAT S INSIDE Or Service Area...2 Or Banking Locations Secrity...4 Important Information...5 Yor Checking Accont...6 Yor Debit Card...7 Bsiness Card Changes...8 Telephone Banking...9 Online Banking, Bill Pay & Mobile Cash Management Services...13 Savings and Investment Acconts...14 Bsiness Lending...15 Trst...16 Insrance...17 Disclosres Availability of Fnds...20 Indiana Terms and Conditions Illinois Terms and Conditions Privacy Statement Patriot Act...35 General Banking Fees For more information abot or company and or prodcts, please visit s at 1

6 OUR SERVICE AREA Serving Indiana, Illinois and Ohio Willowbrook Darien 55 Mnster Valparaiso Crown Point Illinois Springfield Lafayette 69 Mncie Indianapolis Ohio 75 Colmbs Indiana Or Banking Locations For the most p-to-date listing of locations and hors, please visit s online at Banking center ATM Albany 937 W. Walnt St Anderson 33 W. 10 th St N. Scatterfield Road E. 53 rd St Nichol Ave Attica Indiana Sper Test 301 S. Brady St. Avon 7648 E. U.S. Highway Mrphy USA 9424 E. U.S. Highway 36 Brookston 103 N. Prairie St Brownsbrg 975 E. Main St Carmel 1 E. Carmel Drive Site Chesterton Hilton Garden Inn 501 Gateway Blvd. Connersville 832 N. Central Ave Crawfordsville 134 S. Washington St Crown point 155 N. Main St Daleville W. Davis Drive Heartland Bsiness Center 9301 S. Innovation Drive Decatr 520 N. 13 th St E. Monroe St Adams Conty Memorial Hospital 1100 Mercer Ave. Camps Center, Woodcrest of Decatr 1300 Mercer Ave DeMotte Dyer 437 N. Halleck St Wodeland Professional Center 1100 Joliet St East Chicago 4740 Indianapolis Blvd E. Colmbs Drive East Chicago Marina 3301 Aldis St. Eaton 107 E. Harris St Eaton Pantry N. State Road 3 Fishers E. 116 th St

7 Flora 805 E. Colmbia St Frankfort 60 S. Main St Franklin 2259 N. Morton St Johnson Memorial Hospital 1125 W. Jefferson St. Greenwood 1250 N. Emerson Ave U.S. Highway 31 N S. State Road Providence Drive Hammond 5311 Hohman Ave highland th St Homestead Plaza 8149 Kennedy Ave. Indianapolis N. Meridian St. 2 Ingalls 227 N. Swain St. Kokomo 1306 E. Gano St Lafayette 250 Main St State Road 26 E U.S. Highway 231 S Teal Road Elmwood Ave Maple Point Drive Veterans Memorial Parkway S., Site J LaFEYETTE (COnt.) Lapel Sper Test 1803 E. 350 S. Sper Test 1309 Sagamore Parkway S N. Main St Liberty 107 W. Union St Merrillville 6101 Harrison St W. 57 th Ave. Middletown 790 W. Mill St Monticello 116 E. Washington St Walmart 1088 W. Broadway St Mooreland 110 S. Broad St Mooresville 1010 N. Samel Moore Parkway Morgantown 180 W. Washington St Mncie 101 S. Contry Clb Road S. Madison St E. Jackson St W. McGalliard Road S. Tillotson Ave W. University Ave Westminster Village 5801 W. Bethel Ave mnster 707 Ridge Road th Ave Nashville 189 Commercial St Noblesville Fondation Drive North Manchester 901 State Road 114 W Pendleton Per 3055 W. U.S. Highway E. State St W. Main St N. Broadway Plainfield 1121 E. Main St Portland 112 W. Main St Main Street Market 218 W. Lincoln St Remington 101 E. Division St Rensselaer 200 W. Washington St St. Joseph s College Halleck Stdent Center 910 W. Schaefer Circle Reynolds 105 E. 2 nd St Richmond 2206 Chester Blvd Schererville 7650 Harvest Drive Shelbyville 29 E. Washington St Marketplace Blvd. (Opening March 2014) ST. John W. 109th Ave Slphr Springs 105 E. Main St Trafalgar 110 N. State Road Union City 450 W. Chestnt St Valparaiso 855 Thornapple Way Wabash 1250 N. Cass St W. Market St West Lafayette 2329 N. Salisbry St Prde University Memorial Union 101 N. Grant St. JB Battlefield 5851 State Road 43 N. Westfield 3002 State Road 32 E Whiting Calmet College of St Joseph 2400 New York Ave. Winchester 122 W. Washington St Yorktown 1501 N. Nebo Road Bolingbrook Holiday Inn 205 Remington Blvd. Darien 8301 S. Cass Ave Flossmoor Flossmoor Commons 3301 Vollmer Road Harvey 135 E. 154th St Hegewisch, Chicago S. Baltimore Ave Palos heights 7101 W. 127 th St Soth holland 601 E. 162 nd St E. 170 th St Tinley Park st St Hilton Garden Inn LaGrange Road Contry Inn & Sites LaGrange Road Holiday Inn Harlem Ave. Tinley Park Convention Center Convention Center Dr. Willowbrook 7229 Kingery Highway Colmbs 3650 Olentangy River Road Oxford Illinois Ohio 4 N. College Ave For insrance and trst locations please find s online at 1 Limited service center; 2 ATM and bsiness banking only. No cash on premises.; 3 Drive p & ATM located at 115 W. Main St. 4 ATM 1 block NW of banking center. 5 Drive p only, no lobby. 6 Bsiness banking only. 3

8 SECURITY Visit or Online Secrity Center at Rest assred we are committed to protecting the confidentiality of yor information. At First Merchants, we nderstand the importance of secrity when yo are managing yor finances. In fact, we re cstomers as well. How We Protect Yo As yor trsted financial partner, we are committed to protecting the confidentiality of yor personal information, and we appreciate the trst yo have placed in s. We continally work to provide an environment in which yor accont information stays secre and personal to yo. Some of the steps we take for protection are: Maintain high secrity standards on or systems. Continosly monitor or secrity protocols to keep yor money and information safe. Apply a layered approach to secrity which helps defeat attempts to compromise or system. Work closely with law enforcement and reglatory agencies to stay crrent with indstry standards for frad prevention. Report Frad If yo believe that yo are a victim of identity theft with respect to any of yor acconts or transactions with s, please notify s throgh any of the following channels: Yor local banking center. Yor bsiness accont representative. Cstomer service at Please provide as mch detail as possible abot the acconts or transactions in qestion, inclding dates and accont or transaction nmbers, along with any additional information yo may be aware of. Secrity Alerts Online To keep pdated and informed, please visit or Crrent Alerts page within or Online Secrity Center at www. firstmerchants.com/secrity. First Merchants or any of its divisions, Lafayette Bank & Trst, Commerce National Bank and First Merchants Trst Company will not contact yo via , phone, or other means and reqest confidential information. 4

9 IMPORTANT Important INFORMATION information Cstomer Service: First Merchants Cstomer Service representatives and online chat are available Monday throgh Friday 6:00 a.m. to 6:00 p.m. and Satrday 8:00 a.m. to 12:00 p.m. Central Time. For yor convenience, information highlighted on this page is a consolidation of primary changes listed throghot the booklet. Yor Checking Accont Yo may contine to se yor Citizens Financial Bank checks. Same day bsiness will be extended to 6:00 p.m. CT. beginning Febrary 24th. Yor new roting nmber: For more information, please see page 6. Yor Debit card Yor Citizens Financial Bank Debit Card will be deactivated 7:00 a.m. CT Febrary 24th. A new card with activation instrctions will be mailed to yo; a new PIN will be mailed separately. Update yor card nmber and expiration date with all merchants that bill yor card atomatically. For more information, please see pages 7-8. Telephone Banking Beginning Febrary 24th, access Telephone Banking by calling Yor PIN will be reset; choose a new PIN dring yor first call. For more information, please see page 9. Savings and Investment Acconts Yor FDIC Insrance remains intact p to the applicable limits. CD and IRA rates and terms will not change throgh matrity. For more information, please see page 14. Online BANKING, BILL PAY & MOBILE Additional information abot the transition to First Merchants Online Banking will be sent to yo within the next few weeks. Be sre to save any transaction history or estatements yo wold like to access later. Yor Citizens Financial Bank accont history will not convert to First Merchants Online Banking. Verify we have yor crrent to ensre receipt of ftre commnications. Citizens Online Banking will no longer be available after Friday, Febrary 21st. Yo will begin sing First Merchants Online Banking on Monday, Febrary 24th at Yor payments, ebills, and payees will be migrated from yor Citizens Bill Pay. Please log in after Monday, Febrary 24th to verify these items are correct. For the most crrent information and pdates abot Online Banking and Bill Pay, visit For more information, please see pages Bsiness lending Contine to make yor loan payment on time as schedled. New copon books will be mailed to bsiness loan clients. For more information, please see page 15. Cash Management Or Cash Management team will be contacting yo prior to or system conversion on Febrary 22nd and 23rd to assist yo with the transition of yor services. Please watch yor for additional information. In the meantime, p to date information abot the transition is available at citizens or yo may call or Bsiness Soltions team at with qestions. For more information, please see page 13. 5

10 YOUR CHECKING ACCOUNT Yor bsiness checking accont with Citizens Financial Bank will be migrated into First Merchants Bank dring the weekend of Febrary 22nd and 23rd. Beginning Monday, Febrary 24th, yo will have access to nearly 100 banking centers and fee free ATMs throghot 26 Indiana conties as well as two conties in both Illinois and Ohio. Great news! Yor checking accont featres and benefits will remain the same. Effective Febrary 24, 2014, First Merchants Bank general fees will go into effect (i.e. stop payment, wire transfer, etc.). Please refer to page 35 of this booklet for a listing of the First Merchants Bank General Banking Fees. Detailed below is information to answer some qestions yo may have regarding yor bsiness checking accont. Accont Nmber Yor Citizens accont nmber will not change nless a banker has already contacted yo. If yo have any concerns regarding yor accont nmber please contact Cstomer Service at Checks Yo may contine to se yor crrent spply of Citizens checks. It is not necessary to order new checks, however, after Febrary 24th, yo may order and begin sing new checks with the First Merchants Bank roting nmber: Yo may receive a discont on yor first order of First Merchants Bank bsiness checks, please contact or Bsiness Soltions team at Ordering checks is simple and easy throgh or online channel at Availability OF FUNDS Yo will now enjoy extended bsiness day convenience throgh 6:00 p.m. CT beginning Febrary 24th, The First Merchants Bank Availability of Fnds disclosre is listed on page 20 of this booklet. IMPORTANT INFORMATION Yo may contine to se yor Citizens Financial Bank checks. Yor new roting nmber: Statements Yor final Citizens Financial Bank statement will be delivered the week of Febrary 24th and will inclde transactions posted throgh Febrary 21st. After that, yor monthly statement will arrive according to the First Merchants Bank processing cycle. Please contact yor local banking center or Cstomer Service at if yo have any qestions regarding the delivery of yor statement. Atomatic Payments Atomatic payments yo crrently have set p, will contine withot interrption; no action is necessary on yor part. However, if yor Debit Card nmber has been sed for atomatic payments, yo will need to provide yor new First Merchants Bank Debit Card nmber to yor payees. If yo se any of Citizens Cash Management services, detailed information regarding changes in those services is located on page 13 of this booklet. Overdraft Services We pay overdrafts at or discretion, and do not garantee that we will always athorize and pay any type of transaction. If yo crrently have overdraft protection in the form of an Atomatic Transfer from another Citizens Financial Bank accont, yor overdraft protection will remain nchanged. 6

11 YOUR DEBIT CARD Yo may contine to se yor crrent bsiness Debit Card ntil 7:00 a.m. CT Monday, Febrary 24th. Crrent cardholders will be receiving new First Merchants Debit Cards in the mail mid-febrary. Here s what s changing: Yor New First Merchants BANK Debit Card Yo will receive a new First Merchants Bank MasterCard Debit Card in the mail in mid-febrary. Yo may activate and begin sing yor new card on Febrary 24th. A new PIN will be mailed to yo separately for secrity prposes. Activation instrctions will be inclded with yor card. If yo do not receive yor card by Tesday, Febrary 18th, please contact Cstomer Service at Recrring Payments If yo have set p recrring or preathorized payments from yor Citizens Financial Bank Debit Card, yo will need to contact the merchant and give them yor new First Merchants Bank Debit Card nmber and expiration date after yo activate yor card. IMPORTANT INFORMATION Yor Citizens Financial card will be deactivated at 7:00 a.m. CT Febrary 24th. A new card with activation instrctions will be mailed to yo; a new PIN will be mailed separately. Update yor card nmber and expiration date with all merchants that store yor payment information or bill yor card atomatically. Transaction Limits Beginning Febrary 24th, bsiness Debit Cards will have a limit of $3,005 per 24-hor period (from 12:00 a.m. to 11:59 p.m. ET) for point of sale prchases. Please contact yor local banker if yo wold like to have yor bsiness debit card setp for cash withdrawals. 7

12 BUSINESS CARD CHANGES Yo will receive new First Merchants Bank cards in the mail mid-febrary. Yo may activate and begin sing yor new cards Febrary 24th. DEBIT CARD Daily point of sale limit: $3,005 CREDIT CARD Terms of yor credit limit will remain as agreed when the card was issed. 8

13 TELEPHONE BANKING All active Citizens Financial Bank Telephone Banking sers will be atomatically enrolled in First Merchants Telephone Banking. Here s what yo need to know abot yor new Telephone Banking system: Accessing First merchants Telephone Banking Beginning Febrary 24th, access First Merchants Telephone Banking by calling The Citizens Financial Bank Telephone Banking nmber will be retired. Anytime after 6:00 a.m. CT on Monday Febrary 24th, yo may begin sing First Merchants Telephone Banking. Yo will be prompted to change yor PIN dring yor first call and yor login information will change; be sre to follow the adio prompts. Yo will be pleased to know that yo will be able to perform the same tasks yo re accstomed to with Citizens Telephone Banking. IMPORTANT INFORMATION Beginning Febrary 24, access Telephone Banking by calling Yor PIN will be reset; choose a new PIN dring yor first call Below are the men options to allow yo better access to yor acconts. If yo have qestions abot sing the First Merchants Telephone Banking system please call s at If yo are not an active Telephone Banking ser bt wold like access to First Merchants Telephone Banking, beginning Febrary 24th, please call First Merchants at to enroll Acconts 1 Deposit Acconts 2 Loan Inqiries 3 Transfer Fnds 4 Loan Payments 5 Change PIN Lost or Stolen ATM or Debit Card Merchant Check Information 9

14 ONLINE BANKING, BILL PAY & MOBILE IMPORTANT INFORMATION Citizens Financial Bank Online Banking Verify yor crrent address to ensre receipt of ftre commnications. How? Within Citizens Online Banking nder Qick Links. Accont history, stop payment history, transfer history, nicknames, alerts and schedled payments will not be migrated. Save any information yo might need before Friday, Febrary 21st. Citizens Online Banking will no longer be available after Friday, Febrary 21st. Yo will begin sing First Merchants Online Banking on Monday, Febrary 24th at Yor payments, ebills, and payees will be migrated from yor Citizens Bill Pay. Please login beginning Monday, Febrary 24th to verify these items are correct. For the most crrent information and pdates abot Online Banking, visit Citizens Financial Bank Online Banking will no longer be available after Febrary 21st. All active Citizens Online Banking sers will be atomatically migrated to the First Merchants Online Banking system. For yor protection and secrity, yo will receive a new system-generated Company ID and password. Please verify yor crrent address in Citizens Online Banking and watch yor for additional details in the coming weeks. Some important things to note abot yor Citizens Online Banking: Transaction history prior to Febrary 21st will not be available throgh the First Merchants Online Banking system. Also Transfer and Stop Payment history will not be migrated. Going forward, First Merchants Online Banking system will detail 60 days of transaction history beginning Febrary 24th. If yo wold like to keep previos history for yor records, we recommend that yo print or save yor history before Febrary 21st. If yo have any one-time or recrring transfers or loan payments that are schedled to occr after Febrary 21st, those payments and/or transfers will need to be re-entered into the First Merchants Online Banking system. Online Banking, Bill Pay & Mobile Banking are all available for First Merchants Bank bsiness clients. If yo crrently se Online Banking at Citizens Financial Bank, yo do not need to re-enroll in Online Banking at First Merchants, bt yo will need to take some action. Here s what yo'll need to know to make sre the transition from Citizens Online Banking to First Merchants Online Banking is as easy as possible. If yo have Alerts set p in the Citizens Online Banking system, yo will need to re-enter that information into the First Merchants Online Banking system. If yo nickname yor acconts, yo will need to re-enter accont nicknames as well. If yo are a Qicken or Qickbooks ser, First Merchants Online Banking spports those programs. Please be sre to download any information that yo need from the Citizens Online Banking system prior to Febrary 21st. Anywhere: Or most convenient location yet Get the information yo want, when and where yo want it, with or Online and Mobile services 10

15 ONLINE BANKING, BILL PAY & MOBILE estatements Frther information will be coming regarding yor Citizens estatements. Please pdate yor address to ensre receipt of this important information. How? Within Citizens Online Banking nder Qick Links. enotices enotices are crrently not offered at First Merchants. Please note: Any notices that yo crrently receive electronically will be sent to yo via postal mail after Febrary 21st. Examples of enotices cold inclde Insfficient Fnds notices, Overdraft notices, REPO Sweep notices or ACH notices. Go Green estatements New Featres Online Banking is one of the easiest, fastest and most convenient ways to manage yor bsiness acconts. With Online Banking, yo can check balances, view statements, transfer fnds, pay yor bills online, set p accont alerts, order checks, enroll for Mobile Banking and more. Highlighted below are a few First Merchants Online Banking featres that will be new for yo. Secre Messages: Use the Send Message featre in Online Banking to send a secre message to Cstomer Service. Yo can ask qestions or even reqest a copy of a statement or check. Reminders: Reminders are notifications that yo create that display at the time yo specify to help yo remember important events or tasks. Expedited Payments: With this First Merchants Bill Pay featre yo can schedle bills to be paid overnight if received by 1:00 p.m. CT for a $19.95 fee. Mobile Banking: First Merchants offers Mobile Banking for or bsiness clients. Bill Pay Accessing First Merchants Online Banking Beginning Monday, Febrary 24th yo may log in to yor new First Merchants Online Banking sing yor Citizens Access ID, new Company ID and password. Simply visit and look for the red Sign In To Online Banking box in the pper left corner of the Home page. Click the link that says Bsiness client? Log in here, and the Sign In box will trn ble. First Merchants Bank offers a variety of Online Banking resorces for yor convenience. To view ttorials, watch a demo or jst read more abot this offering, please visit and select Online Banking nder the Bsiness tab. Once yo are signed into yor new Online Banking accont, an extensive Help section is also available. First Merchants Bank offers Bill Pay free to all First Merchants Online Banking clients. First Merchants Bank Bill Pay incldes or Risk Free Garantee: Every payment schedled on time with adeqate fnds will be paid on time or we ll pay yor late fees, p to $50! If yo are a crrent Citizens Bill Pay ser, yor information, inclding payments, ebills, and payees will be atomatically migrated to the new system. Beginning Febrary 24th, yo will need to verify that yor crrent information is set p correctly. If yo have any qestions or concerns after Febrary 24th, please contact Cstomer Service at Not Using Online BankinG? If yo re not enrolled in Online Banking at Citizens Financial Bank, bt yo re interested in signing p, yo can enroll in First Merchants Online Banking beginning Febrary 24th. Jst visit or website at and click Enroll Now. 11

16 ONLINE BANKING, BILL PAY & MOBILE Mobile Banking If yo were a Citizens Online Banking ser or a new First Merchants Online Banking client, and yo wish to enroll in First Merchants Mobile Banking jst follow the enrollment instrction below! Enrollment IMPORTANT INFORMATION All Citizens bsiness clients interested in enrolling in First Merchants Mobile banking can enroll for Mobile access beginning Monday, Febrary 24th throgh First Merchants Online Banking. A variety of mobile channels are available throgh First Merchants Bank inclding: First Merchants Bank Mobile App for Apple and Android phones and tablets For the most crrent information and pdates abot Online and Mobile Banking, please visit Mobile Web Text Banking Beginning on Monday Febrary 24th, please enroll in First Merchants Mobile Banking. To enroll please follow these steps: 1. Sign in to yor new First Merchants Online Banking accont at 2. Click on the tab labeled Mobile. 3. Accept the Mobile Banking Service Agreement. Accessing First merchants Mobile Channels: Download the FMB Mobile App from Google Play TM or the App Store SM ; jst search First Merchants and install the app Visit from any web-enabled mobile device Text sing one of or Text Banking commands (visit to see a complete list of commands) 4. Enter yor mobile information and choose a Login ID and PIN. 5. Once yor enrollment is sbmitted yo will receive a text message that prompts yo to reply Yes. 6. Once yo have replied, yo are enrolled for First Merchants Mobile Banking and can se any of the Mobile Channels above. Google Play is a trademark of Google Inc. App Store is a service mark of Apple. Inc. 12

17 CASH MANAGEMENT SERVICES First Merchants Bank shares the Citizens Financial Bank commitment to helping yo manage and grow yor bsiness with Cash Management Services. We provide yo with the tools to help yo: collect money faster, keep it longer, make it work harder, and manage it more efficiently. With a broad prodct site and experienced professionals who deliver sperior service, we offer cstomized soltions to effectively manage cash flow for any size and type of bsiness: ACH Origination Wire Transfer Remote Deposit Captre Positive Pay Lockbox Prchasing Cards Sweep Services Zero Balance Acconts Bsiness Online Banking Yo will receive administrative rights to add and manage yor sers entitlements, secrity, and transaction limits with or Bsiness Online Banking. Other new featres will be available as described on page 11. Bsiness Credit Cards Yor new First Merchants credit cards will arrive prior to Febrary 21st. Upon receipt, yo can immediately activate and begin sing the new cards. Merchant Services Yor credit card processing will remain with First Data. No action is reqired. IMPORTANT INFORMATION Or Cash Management team will be contacting yo prior to or system conversion to assist yo with the transition of yor services. Please watch yor for additional information. In the meantime, p to date information abot the transition is available at or yo may call or Bsiness Soltions team at with qestions. Beginning Febrary 24th, the following daily ct-off times will apply: ACH Origination 4:00 p.m. CT Positive Pay Isse File: 5:00 p.m. CT Exception Decisions: 11:00 a.m. CT Remote Deposit Captre 5:30 pm CT Wire Transfer Incoming Wires: 5:00 p.m. CT Otgoing Wires Domestic: 4:00 p.m. CT Otgoing Wires International: 2:00 p.m. CT 13

18 SAVINGS & INVESTMENT ACCOUNTS Since 1893, First Merchants Bank has maintained or legacy as a strong, stable bank. Yor acconts that are crrently FDIC insred will contine to be insred as described below. FDIC Insrance If yo crrently have deposits at both Citizens Financial Bank and First Merchants Bank, separate FDIC coverage will apply for six months after the merger date (throgh May 12, 2014) to allow yo time to restrctre yor acconts, if necessary. Please be advised that First Merchants Bank also operates nder the trade names of Lafayette Bank and Trst, Commerce National Bank and First Merchants Trst Company. If yo own a Certificate of Deposit (CD) that matres and atomatically renews for the same amont and term by May 12, 2014, separate FDIC coverage will contine in place for the new term. If yo own a Certificate of Deposit that matres and atomatically renews with a different amont or term, separate coverage is provided throgh May 12, If yo own a Certificate of Deposit that matres ater May 12, 2014, separate FDIC coverage will terminate pon matrity of the CD. IMPORTANT INFORMATION CERTIFICATE OF DEPOSIT ACCOUNTS Yor crrent CD rates and terms will not change throgh matrity. If yo have an atomatically renewing accont, yo will receive a notice informing yo of the new rate and matrity date dring the renewal grace period. Savings Yor FDIC Insrance remains intact p to the applicable limits. CD and IRA rates and terms will not change throgh matrity. Yo will begin receiving a savings accont statement on a qarterly basis, or yo may choose to receive a combined statement with yor checking accont on a monthly basis. Please contact Cstomer Service at if yo wold like to combine yor statements. If yo have qestions abot yor deposit insrance, please speak with yor local banking center or feel free to call the FDIC directly at ASK.FDIC. MEMBER 14

19 BUSINESS LENDING Bsiness banking is all abot relationships. Or bankers are committed to helping clients scceed. Whether yo are bying a piece of eqipment or need capital to grow, or bankers want to help. Or SBA Preferred Lender designation acknowledges or expertise, which provides s with the opportnity to trn arond certain SBA loans within 24 hors once we have all of the necessary financial information. IMPORTANT INFORMATION Contine to make yor loan payment on time! New copon books will be mailed to bsiness loan clients. Are yo looking for a bank where bsiness matters? Bank with s, and experience service that goes above and beyond what yo wold expect from an ordinary bank. Come see s, or contact one of or bankers today. If yo crrently have a Citizens Financial Bank bsiness loan, detailed below is important information regarding yor accont. Yo will be pleased to know that yo will contine to do bsiness as sal with yor banker. Making Loan Payments Making reglarly schedled loan payments is an important factor in maintaining yor credit. Beginning Febrary 24th, yo will have several options available for making payments qickly and easily via: Mail: P.O. Box 7011 Mncie, IN Loan Terms Yor Citizens Financial Bank loan rate and terms will remain as agreed for the dration of yor loan. Payment Amont Yor payment amont will not change nless yo have a variable interest rate and the price index changes, or if yo have taxes and insrance in escrow and the annal amont increases or decreases. Bsiness credit Cards Yo will receive a new First Merchants Credit Card mid- Febrary. The terms of yor accont, yor accont nmber and expiration date will all remain the same, nless yor card expires within the next 6 months. In this case, a new expiration date will appear on yor new card. Atomatic Transfer from another First Merchants accont. In Person at any First Merchants Bank location. Online Banking transfer from another FMB accont. IMPORTANT NOTE: If yo have not received a statement prior to yor reglarly schedled loan payment date, please make yor payment by yo de date to avoid late fees. New copon books will be mailed to fixed rate bsiness loan clients. We also offer online chat! 15

20 TRUST Proven Investment Principles......commnity-minded professionals irst Merchants Trst Company offers a fll array of trst services to bsinesses, individals, and non-profit organizations. Or personal attention and proactive commnication are what set s apart. We re big enogh to meet all yor needs, and small enogh to care. First Merchants Trst Company is one of the largest trst organizations in Indiana with assets nder management in excess of a billion dollars. First Merchants Trst Company is a dedicated team of commnity minded professionals committed to generational excellence. Or personal attention and proactive commnication are what set s apart and are what or clients tell s they vale. We are yor neighbors, yor co-workers, yor local board and committee members interested in the sccess and prosperity of the commnities in which we live and work. Or depth of knowledge and experience makes it possible for s to meet all of yor financial, estate, and retirement planning needs. Or commitment is to be an organization that directly toches and inflences the ftre of or clients, their children and grandchildren. Advantages offered to First Merchants clients: Local service and personal administration no remote call centers Reglarly schedled meetings to review yor accont performance Abot Us and goals 24/7 access to yor investment accont information Planning services designed to meet yor personal and bsiness goals One stop shopping for all of yor banking, insrance and investment needs Or investment philosophy is one that is based on common sense and extensive market research. We focs on proven investment principles rather than proprietary prodcts to sell. Or experienced investment professionals hold certifications sch as Chartered Financial Analyst (CFA), Certified Financial Planner (CFP), and Certified Trst & Financial Advisor (CTFA), in addition to a variety of specialized certifications. Or disciplined by/sell philosophy, high-qality fixed income assets and ongoing asset allocation monitoring yields measrable positive performance for or clients. For more information, please contact s at Retirement We offer a variety of retirement plan services to employers of all sizes and distingish orselves by providing firstclass personalized service and planning. We specialize in: 401(k) plans 403(b) plans Profit-sharing plans Pension plans Cross-tested plans Cash balance plans Flexible Spending Acconts IRAs SEP IRAs We place emphasis on personal attention for every participant in every plan, regardless of the size of the accont. We will do everything we can to keep or clients focsed on their goals and advise them on how to get there. Yo ll benefit from: Ongoing edcation for yo and yor participants The right plan design to maximize benefits Employee retention For more information, please contact s at Investments The preservation and contined growth of yor assets are important elements of yor trst. Sccessfl wealth management begins with establishing a financial bleprint. Or team of portfolio managers, along with yor accont administrator, will work with yo to otline yor short- and longterm goals and define yor risk tolerance; doing so will allow s to formlate the proper mix of assets jst for yo. Reglar reviews will take place over time to keep investments in line with yor original objectives as well as with any changes that occr along the way. Several stdies have shown that more of yor portfolio s retrn depends on the overall asset allocation of yor portfolio, rather than the individal investments. This is why we place a strong emphasis on devising an appropriate allocation, creating a written Investment Policy Statement and sticking with the plan. For more information, please contact s at INSURANCE & INVESTMENT PRODUCTS NOT FDIC INSURED ARE NOT DEPOSITS NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK MAY LOSE VALUE 16

21 INSURANCE Ensre Yor Peace of Mind with First Merchants Insrance Grop irst Merchants Insrance Grop (FMIG) provides insrance soltions to both bsinesses and individals. As an independent agency, we work as yor advocate, ensring the best combination of coverage and price. Meet Or Team Visit to find an expert near yo! Or tenred, certified insrance professionals will: Design and administer strategies to maximize yor financial and personal secrity while minimizing cost. Leverage indstry alliances and risk management expertise to develop insrance soltions tailored to meet individal client needs Deliver proactive accont management and extraordinary response times throgh the se of ctting-edge technology Or capabilities range from serving the needs of bsinesses and individals with standard risk profiles, to managing the specialized needs of large corporations and clients with complex risk profiles. We se or collective risk expertise to deliver a wide range of advanced risk alternatives, inclding nparalleled athority in the complex areas of risk mitigation and transference. Effective strategies to deal with risk are crcial for bsiness sccess. Bt Risk Management is often a misnderstood concept. The best strategies go beyond mitigation to the effective transfer of risk, as opposed to simply managing or assming it. This principle extends to every aspect of plan design, from provider selection throgh administration. At FMIG, we begin by identifying and qantifying loss exposres throgh meticlos stdy and analysis of yor operation. Once risks are identified, or experts work with yo to develop programs to eliminate, redce and control them. These methods can inclde exposre avoidance, segregation of exposres, loss redction or contractal transfer for the captive-insred. Options for financing and, if Commercial Lines possible, transferring risk are also pinpointed. Once a risk management program is pt into place, we monitor it throghot the plan year to ensre it is achieving corporate objectives. Working as yor trsted advisors, we are always by yor side, helping yo to redce loss exposres while transforming potential obstacles into options for growth. Property Liability Ato Worker s compensation Excess mbrella Crime Specialty Life, disability, annities For more information, please call First Merchants Insrance Grop at Rising healthcare costs and ever-increasing employee demands pose a dal challenge for bsiness. Benefits play a vital role in yor employee recritment and retention. At FMIG, we work to preserve benefits qality while keeping cost-containment clearly in focs. The sccess of any benefits plan is measred by its administration. Or skilled team provides fndamental insrance company administrative, procedral and protocol training. We also coordinate enrollment meetings and provide ongoing administrative spport throghot the plan year. All inqiries related to benefits, plan provisions, member eligibility and claims are promptly and efficiently handled. Employee Benefits Or wide range of employee benefit plan options incldes: Grop Life/Health/Disability/ Dental/Vision/RX Grop Life Bsiness Life Bsiness Disability Short Term Disability Long Term Disability health benefits Health/Dental/Vision/RX Flexible benefit plans Medical reimbrsement plans Volntary payroll dedction plans Dependent Care acconts Self-fnded programs Third party/administration placement Self-fnding alternatives For more information, please call First Merchants Insrance Grop at Fnds are not insred by the FDIC, and are not deposits of, or garanteed by, First Merchants Bank N.A. or any of its affiliates. Fnds are sbject to investment risk if the insrance has a cash vale, inclding possible loss of the principal amont invested. Insrance prodcts are made available throgh First Merchants Insrance Services, Inc., a licensed insrance agency affiliate of First Merchants Bank, N.A. Insrance prodcts are nderwritten by, and are the obligations of, the insrance companies that isse the insrance policies; these insrance companies are not affiliated with First Merchants Bank, N.A. 17

22 18

23 DISCLOSURES 19

24 AVAILABILITY OF FUNDS Availability of Fnds Disclosre YOUR ABILITY TO WITHDRAW FUNDS AT FIRST MERCHANTS BANK, NATIONAL ASSOCIATION 200 EAST JACKSON STREET PO BOX 792 MUNCIE, IN PHONE: (765) This policy statement applies to Transaction acconts. Transaction acconts, in general, are acconts which permit an nlimited nmber of payments to third persons and an nlimited nmber of telephone and preathorized transfers to other acconts of yors with s. Checking acconts are the most common transaction acconts. Feel free to ask s whether any of yor other acconts might also be nder this policy. Or policy is to make fnds from yor cash or check deposits available to yo on the first bsiness day after the day we receive yor deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the fnds are available, yo can withdraw them in cash and we will se the fnds to pay checks that yo have written. Please remember that even after we have made fnds available to yo and yo have withdrawn the fnds, yo are still responsible for checks yo deposit that are retrned to s npaid and for any other problems involving yor deposit. For determining the availability of yor deposits, every day is a bsiness day, except Satrdays, Sndays, and federal holidays. If yo make a deposit prior to 6:00 p.m. (some ctoff times may be later at some locations) on a bsiness day that we are open, we will consider that day to be the day of yor deposit. However, if yo make a deposit after 6:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next bsiness day we are open. For additional information contact yor branch representative. If yo make a deposit at an ATM before 4:00pm EST (some ctoff times may be later at some locations) on a bsiness day that we are open, we will consider that day to be the day of yor deposit. However, if yo make a deposit at an ATM after 4:00pm EST or on a day we are not open, we will consider that the deposit was made on the next bsiness day we are open. For additional information contact yor branch representative. If we cash a check for yo that is drawn on another bank, we may withhold the availability of a corresponding amont of fnds that are already in one of yor acconts. Those fnds will be available at the time fnds from the check we cashed wold have been available it yo had deposited it. If we accept for deposit a check that is drawn on another bank, we may make fnds from the deposit available for withdrawal immediately bt delay yor availability to withdraw a corresponding amont of fnds that yo have on deposit in another accont with s. The fnds in the other accont wold then not be available for withdrawal ntil the time periods that are described elsewhere in this disclosre for the type of check that yo deposited. LONGER DELAYS MAY APPLY Case-By-Case Delays - In some cases, we will not make all of the fnds that yo deposit by check available to yo on the first bsiness day after the day of yor deposit. Depending on the type of check that yo deposit, fnds may not be available ntil the second bsiness day after the day of yor deposit. The first $200 of yor deposits, however, may be available on the first bsiness day after the day of yor deposit. If we are not going to make all of the fnds from yor deposit available on the first bsiness day after we receive yor deposit, we will notify yo at the time yo make yor deposit. We will also tell yo when the fnds will be available. If yor deposit is not made directly to one of or employees, or if we decide to take this action after yo have left the premises, we will mail yo the notice by the first bsiness day after we receive yor deposit. If yo will need the fnds from a deposit right away, yo shold ask s when the fnds will be available. Safegard Exception Delays - In addition, fnds yo deposit by check may be delayed for a longer period nder the following circmstances: We believe a check yo deposit will not be paid. Yo deposit checks totaling more than $5,000 on any one day. Yo redeposit a check that has been retrned npaid. Yo have overdrawn yor accont repeatedly in the last six months. There is an emergency, sch as failre of compter or commnications eqipment. We will notify yo if we delay yor ability to withdraw fnds for any of these reasons, and we will tell yo when the fnds will be available. They will generally be available no later than second bsiness day after the day of yor deposit. SPECIAL RULES FOR NEW ACCOUNTS If yo are a new cstomer, the following special rles will apply dring the first 30 days yor accont is open. Fnds from electronic direct deposits into yor accont will be available on the day we receive the deposit. Fnds from deposits of cash, wire transfers, and the first $5,000 of a day s total deposits of cashier s. certified, teller s, traveler s, and federal, state and local government checks will be available on the first bsiness day after the day of yor deposit if the deposit meets certain conditions. For example, the checks mst be payable to yo (and yo may have to se a special deposit slip). The excess over $5,000 will be available on the ninth bsiness day after the day of yor deposit. If yor deposit of these checks (other than a U.S. Treasry check) is not made in person to one of or employees, the first $5,000 will not be available ntil the second bsiness day after the day of yor deposit. Revised 07/01/ FMB Indiana Bsiness Disclosre Booklet - Reviewed 11/1/2013 Page 1

25 INDIANA TERMS & CONDITIONS Terms and Conditions of Yor Accont Agreement. This docment, along with any other docments we give yo pertaining to yor accont(s), is a contract that establishes rles which control yor accont(s) with s. Please read this careflly and retain it for ftre reference. If yo sign the signatre card or open or contine to se the accont, yo agree to these rles. Yo will receive a separate schedle of rates, qalifying balances, and fees if they are not inclded in this docment. If yo have any qestions, please call s. This agreement is sbject to applicable federal laws, the laws of the state of Indiana and other applicable rles sch as the operating letters of the Federal Reserve Banks and payment processing system rles (except to the extent that this agreement can and does vary sch rles or laws). The body of state and federal law that governs or relationship with yo, however, is too large and complex to be reprodced here. The prpose of this docment is to: 1. smmarize some laws that apply to common transactions; 2. establish rles to cover transactions or events which the law does not reglate; 3. establish rles for certain transactions or events which the law reglates bt permits variation by agreement; and 4. give yo disclosres of some of or policies to which yo may be entitled or in which yo may be interested. If any provision of this docment is fond to be nenforceable according to its terms, all remaining provisions will contine in fll force and effect. We may permit some variations from or standard agreement, bt we mst agree to any variation in writing either on the signatre card for yor accont or in some other docment. As sed in this docment the words we, or, and s mean the financial instittion and the words yo and yor mean the accont holder(s) and anyone else with the athority to deposit, withdraw, or exercise control over the fnds in the accont. However, this agreement does not intend, and the terms yo and yor shold not be interpreted, to expand an individal s responsibility for an organization s liability. If this accont is owned by a corporation, partnership or other organization, individal liability is determined by the laws generally applicable to that type of organization. The headings in this docment are for convenience or reference only and will not govern the interpretation of the provisions. Unless it wold be inconsistent to do so, words and phrases sed in this docment shold be constred so the singlar incldes the plral and the plral incldes the singlar. Liability. Yo agree, for yorself (and the person or entity yo represent if yo sign as a representative of another) to the terms of this accont and the schedle of charges. Yo athorize s to dedct these charges, withot notice to yo, directly from the accont balance as accred. Yo will pay any additional reasonable charges for services yo reqest which are not covered by this agreement. Each of yo also agrees to be jointly and severally (individally) liable for any accont shortage reslting from charges or overdrafts, whether cased by yo or another with access to this accont. This liability is de immediately, and can be dedcted directly from the accont balance whenever sfficient fnds are available. Yo have no right to defer payment of this liability, and yo are liable regardless of whether yo signed the item or benefited from the charge or overdraft. Yo will be liable for or costs as well as for or reasonable attorneys fees, to the extent permitted by law, whether incrred as a reslt of collection or in any other dispte involving yor accont. This incldes, bt is not limited to, disptes between yo and another joint owner; yo and an athorized signer or similar party; or a third party claiming an interest in yor accont. This also incldes any action that yo or a third party takes regarding the accont that cases s, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispte. All costs and attorneys fees can be dedcted from yor accont when they are incrred, withot notice to yo. Deposits. We will give only provisional credit ntil collection is final for any items, other than cash, we accept for deposit (inclding items drawn on s ). Before settlement of any item becomes final, we act only as yor agent, regardless of the form of indorsement or lack of indorsement on the item and even thogh we provide yo provisional credit for the item. We may reverse any provisional credit for items that are lost, stolen, or retrned. Actal credit for deposits of, or payable in, foreign crrency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or otside depository ntil we actally record them. We will treat and record all transactions received after or daily ctoff time on a bsiness day we are open, or received on a day we are not open for bsiness, as if initiated on the next bsiness day that we are open. At or option, we may take an item for collection rather than for deposit. If we accept a third-party check for deposit, we may reqire any third-party indorsers to verify or garantee their indorsements, or indorse in or presence. Withdrawals. Generally. Unless clearly indicated otherwise on the accont records, any of yo, acting alone, who signs to open the accont or has athority to make withdrawals may withdraw or transfer all or any part of the accont balance at any time. Each of yo (ntil we receive written notice to the contrary) athorizes each other person who signs or has athority to make withdrawals to indorse any item payable to yo or yor order for deposit to this accont or any other transaction with s. Postdated Checks. A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge yor accont for a postdated check even thogh payment was made before the date of the check, nless we have received written notice of the postdating in time to have a reasonable opportnity to act. Becase we process checks mechanically, yor notice will not be effective and we will not be liable for failing to honor yor notice nless it precisely identifies the nmber, date, amont and payee of the item. Checks and Withdrawal Rles. If yo do not prchase yor check blanks from s, yo mst be certain that we approve the check blanks yo prchase. We may refse any withdrawal or transfer reqest which yo attempt on forms not approved by s or by any method we do not specifically permit. We may refse any withdrawal or transfer reqest which is greater in nmber than the freqency permitted, or which is for an amont greater or less than any withdrawal limitations. We will se the date the transaction is completed by s (as opposed to the date yo initiate it) to apply the freqency limitations. In addition, we may place limitations on the accont ntil yor identity is verified. Even if we honor a nonconforming reqest, we are not reqired to do so later. If yo violate the stated transaction limitations (if any), in or discretion we may close yor accont or reclassify it as a transaction accont. If we reclassify yor accont, yor accont will be sbject to the fees and earnings rles of the new accont classification. If we are presented with an item drawn against yor accont that Terms and Conditions-IN TC-IN 8/15/2012 Bankers Systems INDIANA DISCLOSURES PAGE 1 0f 6 Wolters Klwer Financial Services 2011, 2012 Page 2 21

26 INDIANA TERMS & CONDITIONS wold be a sbstitte check, as defined by law, bt for an error or defect in the item introdced in the sbstitte check creation process, yo agree that we may pay sch item. See the fnds availability policy disclosre for information abot when yo can withdraw fnds yo deposit. For those acconts to which or fnds availability policy disclosre does not apply, yo can ask s when yo make a deposit when those fnds will be available for withdrawal. We may determine the amont of available fnds in yor accont for the prpose of deciding whether to retrn an item for insfficient fnds at any time between the time we receive the item and when we retrn the item or send a notice in lie of retrn. We need only make one determination, bt if we choose to make a sbseqent determination, the accont balance at the sbseqent time will determine whether there are insfficient available fnds. Overdrafts. Yo nderstand that we may, at or discretion, honor withdrawal reqests that overdraw yor accont. However, the fact that we may honor withdrawal reqests that overdraw the accont balance does not obligate s to do so later. So yo can NOT rely on s to pay overdrafts on yor accont regardless of how freqently or nder what circmstances we have paid overdrafts on yor accont in the past. We can change or practice of paying overdrafts on yor accont withot notice to yo. Yo can ask s if we have other accont services that might be available to yo where we commit to paying overdrafts nder certain circmstances, sch as an overdraft protection line-ofcredit or a plan to sweep fnds from another accont yo have with s. Yo agree that we may charge fees for overdrafts, except for overdrafts cased by ATM withdrawals or one-time debit card transactions if yo have not opted-in to that service. We may se sbseqent deposits, inclding direct deposits of social secrity or other government benefits, to cover sch overdrafts and overdraft fees. Mltiple Signatres, Electronic Check Conversion, and Similar Transactions. An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fnd transfer as defined in the Electronic Fnd Transfers reglation. In these types of transactions the check or similar item is either removed from circlation (trncated) or given back to yo. As a reslt, we have no opportnity to review the check to examine the signatres on the item. Yo agree that, as to these or any items as to which we have no opportnity to examine the signatres, yo waive any reqirement of mltiple signatres. Notice of Withdrawal. We reserve the right to reqire not less than 7 days notice in writing before each withdrawal from an interest-bearing accont other than a time deposit, or from any other savings accont as defined by Reglation D. (The law reqires s to reserve this right, bt it is not or general policy to se it.) Withdrawals from a time accont prior to matrity or prior to any notice period may be restricted and may be sbject to penalty. See yor notice of penalty for early withdrawal. Ownership of Accont and Beneficiary Designation. These rles apply to this accont depending on the form of ownership and beneficiary designation, if any, specified on the accont records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the accont fnds. Individal Accont. This is an accont in the name of one person. Joint Accont - With Srvivorship (And Not As Tenants In Common). This is an accont in the name of two or more persons. Each of yo intend that when yo die the balance in the accont (sbject to any previos pledge to which we have agreed) will belong to the srvivor(s). If two or more of yo srvive, yo will own the balance in the accont as joint tenants with srvivorship and not as tenants in common. Joint Accont - No Srvivorship (As Tenants In Common). This is owned by two or more persons, bt none of yo intend (merely by opening this accont) to create any right of srvivorship in any other person. We encorage yo to agree and tell s in writing of the percentage of the deposit contribted by each of yo. This information will not, however, affect the nmber of signatres necessary for withdrawal. Revocable Trst Accont/In Trst For (prsant to the Mltiple Party Accont stattes in Indiana Code ch et. seq.). If two or more of yo create this type of accont, yo own the accont jointly with srvivorship. Beneficiaries cannot withdraw nless: (1) all persons creating the accont die, and (2) the beneficiary is then living. If two or more beneficiaries are named and srvive the death of all persons creating the accont, beneficiaries will own this accont in eqal shares, withot right of srvivorship. The person(s) creating this accont type may: (1) change beneficiaries, (2) change accont types, and (3) withdraw all or part of the accont fnds at any time. Pay-on-Death Accont with LDPS (prsant to the Transfer on Death Property Act stattes in Indiana Code ch et. seq.). If two or more of yo create this type of accont, yo own the accont jointly with srvivorship. Beneficiaries cannot withdraw nless all persons creating the accont die. If a named beneficiary does not srvive all persons that created the accont, that beneficiary s right to a transfer on death transfer belongs to that beneficiary s lineal descendants per stirpes (LDPS) who srvive all persons that created the accont. LDPS means that grop of people that are the lineal descendants of a beneficiary who will take, in place of the beneficiary they have srvived, the beneficiary s share as determined nder Indiana law. In order for a lineal descendant to take in place of a beneficiary, the lineal descendant mst srvive the death of that beneficiary. The person(s) creating this accont type may: (1) change beneficiaries, (2) change accont types, and (3) withdraw all or part of the accont fnds at any time. Pay-on-Death Accont No LDPS (prsant to the Transfer on Death Property Act stattes in Indiana Code ch et. seq.). If two or more of yo create this type of accont, yo own the accont jointly with srvivorship. Beneficiaries cannot withdraw nless: (1) all persons creating the accont die, and (2) the beneficiary is then living. If two or more beneficiaries are named and srvive the death of all persons creating the accont, beneficiaries will own this accont in eqal shares nless otherwise designated in writing, withot right of srvivorship. The person(s) creating this accont type may: (1) change beneficiaries, (2) change accont types, and (3) withdraw all or part of the accont fnds at any time. Additional Transfer on Death Property Act Rles. If there are mltiple primary beneficiaries and a primary beneficiary does not srvive all persons creating the accont and does not have a sbstitte nder the LDPS rles, the share of the nonsrviving primary beneficiary is allocated among the srviving primary beneficiaries in the proportion that their shares bear to each other. If there are no srviving primary beneficiaries and there are no sbstittes for the nonsrviving primary beneficiaries nder the LDPS rles, the property belongs to the srviving contingent beneficiaries in eqal shares or according to the percentages or fractional shares stated in the designation. If there are mltiple contingent beneficiaries and a contingent beneficiary does not srvive all persons creating the accont and does not have a Terms and Conditions-IN TC-IN 8/15/2012 Bankers Systems INDIANA DISCLOSURES PAGE 2 0f 6 Wolters Klwer Financial Services 2011, Page 3

27 INDIANA TERMS & CONDITIONS sbstitte nder the LDPS rles, the share of the nonsrviving contingent beneficiary is allocated among the srviving contingent beneficiaries in the proportion that their shares bear to each other. If no beneficiary srvives all persons creating the accont, the property belongs to the estate of the owner nless directed to a sbstitte beneficiary nder the LDPS rles. Bsiness, Organization and Association Acconts. Earnings in the form of interest, dividends, or credits will be paid only on collected fnds, nless otherwise provided by law or or policy. Yo represent that yo have the athority to open and condct bsiness on this accont on behalf of the entity. We may reqire the governing body of the entity opening the accont to give s a separate athorization telling s who is athorized to act on its behalf. We will honor the athorization ntil we actally receive written notice of a change from the governing body of the entity. Stop Payments. Unless otherwise provided, the rles in this section cover stopping payment of items sch as checks and drafts. Rles for stopping payment of other types of transfers of fnds, sch as consmer electronic fnd transfers, may be established by law or or policy. If we have not disclosed these rles to yo elsewhere, yo may ask s abot those rles. We may accept an order to stop payment on any item from any one of yo. Yo mst make any stop-payment order in the manner reqired by law and we mst receive it in time to give s a reasonable opportnity to act on it before or stop-payment ctoff time. Becase stop-payment orders are handled by compters, to be effective, yor stop- payment order mst precisely identify the nmber, date, and amont of the item, and the payee. Yo may stop payment on any item drawn on yor accont whether yo sign the item or not. Generally, if yor stop-payment order is given to s in writing it is effective for six months. Yor order will lapse after that time if yo do not renew the order in writing before the end of the six-month period. If the original stop-payment order was verbal yor stop-payment order will lapse after 14 calendar days if yo do not confirm yor order in writing within that time period. We are not obligated to notify yo when a stop-payment order expires. A release of the stop-payment reqest may be made only by the person who initiated the stop-payment order. If yo stop payment on an item and we incr any damages or expenses becase of the stop payment, yo agree to indemnify s for those damages or expenses, inclding attorneys fees. Yo assign to s all rights against the payee or any other holder of the item. Yo agree to cooperate with s in any legal actions that we may take against sch persons. Yo shold be aware that anyone holding the item may be entitled to enforce payment against yo despite the stop-payment order. Or stop-payment ctoff time is one hor after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on or obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). Telephone Transfers. A telephone transfer of fnds from this accont to another accont with s, if otherwise arranged for or permitted, may be made by the same persons and nder the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the nmber of transfers from a savings accont to another accont or to third parties, to a maximm of six per month (less the nmber of preathorized transfers dring the month). Other accont transfer restrictions may be described elsewhere. Amendments and Termination. We may change any term of this agreement. Rles governing changes in interest rates are provided separately in the Trth-in- Savings disclosre or in another docment. For other changes, we will give yo reasonable notice in writing or by any other method permitted by law. We may also close this accont at any time pon reasonable notice to yo and tender of the accont balance personally or by mail. Items presented for payment after the accont is closed may be dishonored. When yo close yor accont, yo are responsible for leaving enogh money in the accont to cover any otstanding items to be paid from the accont. Reasonable notice depends on the circmstances, and in some cases sch as when we cannot verify yor identity or we sspect frad, it might be reasonable for s to give yo notice after the change or accont closre becomes effective. For instance, if we sspect fradlent activity with respect to yor accont, we might immediately freeze or close yor accont and then give yo notice. Yo agree to keep s informed of yor crrent address at all times. Notice from s to any one of yo is notice to all of yo. If we have notified yo of a change in any term of yor accont and yo contine to have yor accont after the effective date of the change, yo have agreed to the new term(s). Statements. Yor Dty to Report Unathorized Signatres, Alterations and Forgeries. Yo mst examine yor statement of accont with reasonable promptness. If yo discover (or reasonably shold have discovered) any nathorized signatres or alterations, yo mst promptly notify s of the relevant facts. As between yo and s, if yo fail to do either of these dties, yo will have to either share the loss with s, or bear the loss entirely yorself (depending on whether we sed ordinary care and, if not, whether we sbstantially contribted to the loss). The loss cold be not only with respect to items on the statement bt other items with nathorized signatres or alterations by the same wrongdoer. Yo agree that the time yo have to examine yor statement and report to s will depend on the circmstances, bt will not, in any circmstance, exceed a total of 30 days from when the statement is first sent or made available to yo. Yo frther agree that if yo fail to report any nathorized signatres, alterations or forgeries in yor accont within 60 days of when we first send or make the statement available, yo cannot assert a claim against s on any items in that statement, and as between yo and s the loss will be entirely yors. This 60-day limitation is withot regard to whether we sed ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. Yor Dty to Report Other Errors. In addition to yor dty to review yor statements for nathorized signatres, alterations and forgeries, yo agree to examine yor statement with reasonable promptness for any other error - sch as an encoding error. Yo agree that the time yo have to examine yor statement and report to s will depend on the circmstances. However, sch time period shall not exceed 60 days. Failre to examine yor statement and report any sch errors to s within 60 days of when we first send or make the statement available precldes yo from asserting a claim against s for any sch errors on items identified in that statement and as between yo and s the loss will be entirely yors. Errors Relating to Electronic Fnd Transfers or Sbstitte Checks (For consmer acconts only). For information on errors relating to electronic fnd transfers (e.g., compter, debit card or ATM transactions) refer to yor Electronic Fnd Transfers disclosre and the sections on consmer liability and error resoltion. For information on errors relating to a sbstitte check yo received, refer to yor disclosre entitled Sbstitte Checks and Yor Rights. Terms and Conditions-IN TC-IN 8/15/2012 Bankers Systems INDIANA DISCLOSURES PAGE 3 0f 6 Wolters Klwer Financial Services 2011, 2012 Page 4 23

28 INDIANA TERMS & CONDITIONS Direct Deposits. If we are reqired for any reason to reimbrse the federal government for all or any portion of a benefit payment that was directly deposited into yor accont, yo athorize s to dedct the amont of or liability to the U.S. Government from the accont or from any other accont yo have with s, withot prior notice and at any time, except as prohibited by law. We may also se any other legal remedy to recover the amont of or liability. Temporary Accont Agreement. If this option is selected, this is a temporary accont agreement. Each person who signs to open the accont or has athority to make withdrawals (except as indicated to the contrary) may transact bsiness on this accont. However, we may at some time in the ftre restrict or prohibit frther se of this accont if yo fail to comply with the reqirements we have imposed within a reasonable time. Set-Off. We may (withot prior notice and when permitted by law) set off the fnds in this accont against any de and payable debt yo owe s now or in the ftre, by any of yo having the right of withdrawal, to the extent of sch persons or legal entity s right to withdraw. If the debt arises from a note, any de and payable debt incldes the total amont of which we are entitled to demand payment nder the terms of the note at the time we set off, inclding any balance the de date for which we properly accelerate nder the note. This right of set-off does not apply to this accont if prohibited by law. For example, the right of set-off does not apply to this accont if: (a) it is an Individal Retirement Accont or similar tax-deferred accont, or (b) the debt is created by a consmer credit transaction nder a credit card plan (bt this does not affect or rights nder any consensal secrity interest), or (c) the debtor s right of withdrawal only arises in a representative capacity. We will not be liable for the dishonor of any check when the dishonor occrs becase we set off a debt against this accont. Yo agree to hold s harmless from any claim arising as a reslt of or exercise of or right of set-off. Check Processing. We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items. This means that we do not individally examine all of yor items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink. Yo agree that we have not failed to exercise ordinary care solely becase we se or atomated system to process items and do not inspect all items processed in sch a manner. Using an atomated process helps s keep costs down for yo and all accont holders. Check Cashing. We may charge a fee for anyone that does not have an accont with s who is cashing a check, draft or other instrment written on yor accont. We may also reqire reasonable identification to cash sch a check, draft or other instrment. We can decide what identification is reasonable nder the circmstances and sch identification may be docmentary or physical and may inclde collecting a thmbprint or fingerprint. Trncation, Sbstitte Checks, and Other Check Images. If yo trncate an original check and create a sbstitte check, or other paper or electronic image of the original check, yo warrant that no one will be asked to make payment on the original check, a sbstitte check or any other electronic or paper image, if the payment obligation relating to the original check has already been paid. Yo also warrant that any sbstitte check yo create conforms to the legal reqirements and generally accepted specifications for sbstitte checks. Yo agree to retain the original check in conformance with or internal policy for retaining original checks. Yo agree to indemnify s for any loss we may incr as a reslt of any trncated check transaction yo initiate. We can refse to accept sbstitte checks that have not previosly been warranted by a bank or other financial instittion in conformance with the Check 21 Act. Unless specifically stated in a separate agreement between yo and s, we do not have to accept any other electronic or paper image of an original check. Remotely Created Checks. Like any standard check or draft, a remotely created check (sometimes called a telecheck, preathorized draft or demand draft) is a check or draft that can be sed to withdraw money from an accont. Unlike a typical check or draft, however, a remotely created check is not issed by the paying bank and does not contain the signatre of the accont owner (or a signatre prported to be the signatre of the accont owner). In place of a signatre, the check sally has a statement that the owner athorized the check or has the owner s name typed or printed on the signatre line. For example, if a person provides an accont nmber in response to a telephone solicitation, the telephone solicitor can se the accont nmber to isse a remotely created check to withdraw money from that accont. Yo warrant and agree to the following for every remotely created check we receive from yo for deposit or collection: (1) yo have received express and verifiable athorization to create the check in the amont and to the payee that appears on the check; (2) yo will maintain proof of the athorization for at least 2 years from the date of the athorization, and spply s the proof if we ask; and (3) if a check is retrned yo owe s the amont of the check, regardless of when the check is retrned. We may take fnds from yor accont to pay the amont yo owe s, and if there are insfficient fnds in yor accont, yo still owe s the remaining balance. Unlawfl Internet Gambling Notice. Restricted transactions as defined in Federal Reserve Reglation GG are prohibited from being processed throgh this accont or relationship. Restricted transactions generally inclde, bt are not limited to, those in which credit, electronic fnd transfers, checks, or drafts are knowingly accepted by gambling bsinesses in connection with the participation by others in nlawfl Internet gambling. ACH and Wire Transfers. This agreement is sbject to Article 4A of the Uniform Commercial Code - Fnd Transfers as adopted in the state in which yo have yor accont with s. If yo originate a fnd transfer and yo identify by name and nmber a beneficiary financial instittion, an intermediary financial instittion or a beneficiary, we and every receiving or beneficiary financial instittion may rely on the identifying nmber to make payment. We may rely on the nmber even if it identifies a financial instittion, person or accont other than the one named. Yo agree to be bond by atomated clearing hose association rles. These rles provide, among other things, that payments made to yo, or originated by yo, are provisional ntil final settlement is made throgh a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive sch payment, we are entitled to a refnd from yo in the amont credited to yor accont and the party originating sch payment will not be considered to have paid the amont so credited. If we receive a payment order to credit an accont yo have with s by wire or ACH, we are not reqired to give yo any notice of the payment order or credit. Facsimile Signatres. Unless yo make advance arrangements with s, we have no obligation to honor facsimile signatres on yor checks or other orders. If we do agree to honor items containing facsimile signatres, yo athorize s, at any time, to charge yo for all checks, drafts, or other orders, for the payment of money, that are drawn on s. Yo give s this athority regardless of by whom or by what means the facsimile signatre(s) may have been affixed so long as they resemble the facsimile signatre specimen filed with s, and contain the reqired nmber of signatres for this prpose. Yo mst notify s at once if yo sspect that yor facsimile signatre is being or has been missed. Athorized Signer (Individal Acconts only). A single individal is the owner. The athorized signer is merely designated to condct Terms and Conditions-IN TC-IN 8/15/2012 Bankers Systems INDIANA DISCLOSURES PAGE 4 0f 6 Wolters Klwer Financial Services 2011, Page 5

29 INDIANA TERMS & CONDITIONS transactions on the owner s behalf. The owner does not give p It is important that yo confine the indorsement information to this any rights to act on the accont, and the athorized signer may not area since the remaining blank space will be sed by others in the in any manner affect the rights of the owner or beneficiaries, if processing of the check to place additional needed indorsements and any, other than by withdrawing fnds from the accont. The owner information. Yo agree that yo will indemnify, defend, and hold is responsible for any transactions of the athorized signer. We s harmless for any loss, liability, damage or expense that occrs ndertake no obligation to monitor transactions to determine that they becase yor indorsement, another indorsement, or information yo are on the owner s behalf. The owner may terminate the athorization have printed on the back of the check obscres or indorsement. at any time, and the athorization is atomatically terminated by the These indorsement gidelines apply to both personal and bsiness death of the owner. However, we may contine to honor the transactions checks. th the participation of the athorized Restrictive signer ntil: Legends. (a) we have The received atomatedprocessing written notice or of the g. have actal large knowledge volme of the of termination checks weof receive athority, prevents and (b) s we from Death or Incompetence. Yo agree to notify s promptly if any have a reasonable opportnity to act on that notice or knowledge. We person with a right to withdraw fnds from yor accont(s) dies ment is sbject may to inspecting or looking for special instrctions or "restrictive refse to accept the designation of an athorized signer. or becomes legally incompetent. We may contine to honor yor l Code - Fnd legends" on everycheck.examples of restrictive legends checks, items, and instrctions ntil: (a) we know of yor death or ich yo have yor placed on checks are "mst be presented within 90 days" Restrictive Legends. The atomated processing of the large incompetence, and (b) we have had a reasonable opportnity to act on d transfer and yo or "not valid for more than $1, " For this reason, we volme of checks we receive prevents s from inspecting or looking that knowledge. Yo agree that we may pay or certify checks drawn ciary financial are not reqired to honor any restrictive legend placed on for special instrctions or restrictive legends on every check. on or before the date of death or legal incompetence for p to ten (10) nstittion or a Examples of checks restrictive yo legends write nless placed on we checks have agreed are mst in be writing to the days after yor death or legal incompetence nless ordered to stop beneficiary presented within restriction. 90 days We or are not not valid responsible for more than for$1, any losses, claims, payment by someone claiming an interest in the accont. entifyingnmber For tothis reason, damages, we are or not expenses reqired to that honor reslt any from restrictive yorlegend placement of mber even if itplaced on checks these yo or other write special nless we instrctions have agreed on in writing yor checks. to the Fidciary Acconts. Acconts may be opened by a person acting n or accont other restriction. We are not responsible for any losses, claims, damages, in a fidciary capacity. A fidciary is someone who is appointed to Accont Transfer. This accont may not be transferred or or expenses that reslt from yor placement of these or other special ond by atomated act on behalf of and for the benefit of another. This accont may be instrctions assigned on yor checks. withot or prior writtenconsent. opened and maintained by a person or persons named as a trstee e rles provide, nder a written trst agreement, or as exectors, administrators, or de to yo, or Indorsements. We may accept for deposit any item Accont Transfer. This accont may not be transferred or conservators nder cort orders. Yo nderstand that by merely l final settlement assigned is payable to yo or yor order, evenif they are not indorsed withot or prior written consent. opening sch an accont, we are not acting in the capacity of a trstee or payment is by yo. We may give cash back to any one of yo. We in connection with the trst nor do we ndertake any obligation to 4A-403(a) of the Indorsements. may spply We may any accept missing for deposit indorsement(s) any item payable for any to item we monitor or enforce the terms of the trst or letters. ot receive sch yo or yor acceptfor order, even deposit if they are ornot collection, indorsed by andyo. yowe warrantthat may all omyo in the give cash back indorsements to any one of are yo. genine. We may spply any missing Credit Verification. Yo agree that we may verify credit and he party originating indorsement(s) To ensre for any item that we yor accept check for or deposit shareor draft collection, is processed and employment history by any necessary means, inclding preparation o have paid the yo warrant that all indorsements are genine. withot delay, yo mst indorse it (sign it on the back) of in a a credit report by a credit reporting agency. yment order to credit To ensre that specific yor check area. or Yor share entire draft is indorsement processed withot (whether delay, a r ACH, we are not Legal Actions Affecting Yor Accont. If we are served with yo mst indorse signatre it (sign or it a on stamp) the back) along in a with specific anyarea. other Yor indorsement a sbpoena, restraining order, writ of attachment or exection, levy, payment order or entire indorsement information (whether (e.g., a signatre additional or a indorsements, stamp) along with IDany information, garnishment, search warrant, or similar order relating to yor accont other indorsement driver's information license nmber, (e.g., additional etc.) mst indorsements, fall withinid 1 1/2" of(termed the legal action in this section), we will comply with that legal ke advance information, "trailing driver s license edge" of nmber, a check. etc.) Indorsements mst fall within mst 1 1/2 beof madeaction. in Or, in or discretion, we may freeze the assets in the accont igation to honor the trailing ble edge orof black a check. ink, Indorsements so that theymst are readable be made in by ble atomated or and not allow any payments ot of the accont ntil a final cort black ink, so that they are readable by atomated check processing determination regarding the legal action. We may do these things other orders. If we checkprocessing eqipment. eqipment. even if the legal action involves less than all of yo. In these cases, simile signatres, As yo look at the front of a check, the "trailing edge" we is will not have any liability to yo if there are insfficient fnds to e yo for all checks, As yo look the at the leftfront edge. of When a check, yo the flip trailing the check edge is over, the left be sre topay yor items becase we have withdrawn fnds from yor accont t of money, thatedge. are When keep yo flip all the indorsement check over, information be sre to keep within all indorsement 1 1/2" of thator in any way restricted access to yor fnds in accordance with the y regardless of information by edge. within 1 1/2 of that edge. legal action. Any fees or expenses we incr in responding to any legal action (inclding, withot limitation, attorneys fees and or internal expenses) may be charged against yor accont. The list of fees applicable to yor accont(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. signatre(s) may mble the facsimile ontain the reqired Yo mst notify s ile signatre is nts only).asingle d signer is merely the owner's behalf. to act on the y not in any manner iciaries, if any, other cont. The owner is athorized signer. r transactions to behalf. The owner time, and the ted by the death of to honor the ntil: (a) we have knowledge of the ve a reasonable wledge. We may thorized signer. It is important that yo confine the indorsement information to this area since the remaining blank space Secrity. It is yor responsibility to protect the accont nmbers and electronic access devices (e.g., an ATM card) we provide yo for yor accont(s). Do not discss, compare, or share information abot yor accont nmber(s) with anyone nless yo are willing to give them fll se of yor money. An accont nmber can be sed by thieves to encode yor nmber on a false demand draft which looks like and fnctions like an athorized check. If yo frnish yor access device and grant actal athority to make transfers to another person (a family member or coworker, for example) who then exceeds that athority, yo are liable for the transfers nless we have been notified that transfers by that person are no longer athorized. Yor accont nmber can also be sed to electronically remove money from yor accont. If yo provide yor accont nmber in response to a telephone solicitation for the prpose of making a transfer (to prchase a service or merchandise, for example), payment can be made from yor accont even thogh yo did not contact s directly and order the payment. Yo mst also take precation in safegarding yor blank checks. Notify s at once if yo believe yor checks have been lost or stolen. As between yo and s, if yo are Terms and Conditions-IN TC-IN 8/15/2012 Bankers Systems INDIANA DISCLOSURES PAGE 5 0f 6 Wolters Klwer Financial Services 2011, 2012 TC-IN 8/15/2012 Page 6 of 8 Page 6 25

30 INDIANA TERMS & CONDITIONS negligent in safegarding yor checks, yo mst bear the loss entirely yorself or share the loss with s (we may have to share some of the loss if we failed to se ordinary care and if we sbstantially contribted to the loss). Yo agree that if we offer yo services appropriate for yor accont to help identify and limit frad or other nathorized transactions against yor accont, sch as positive pay or commercially reasonable secrity procedres, and yo reject those services, yo will be responsible for any fradlent or nathorized transactions which cold have been prevented by the services we offered, nless we acted in bad faith or to the extent or negligence contribted to the loss. Telephonic Instrctions. Unless reqired by law or we have agreed otherwise in writing, we are not reqired to act pon instrctions yo give s via facsimile transmission or leave by voice mail or on a telephone answering machine. Claim of Loss. If yo claim a credit or refnd becase of a forgery, alteration, or any other nathorized withdrawal, yo agree to cooperate with s in the investigation of the loss, inclding giving s an affidavit containing whatever reasonable information we reqire concerning yor accont, the transaction, and the circmstances srronding the loss. Yo will notify law enforcement athorities of any criminal act related to the claim of lost, missing, or stolen checks or nathorized withdrawals. We will have a reasonable period of time to investigate the facts and circmstances srronding any claim of loss. Unless we have acted in bad faith, we will not be liable for special or conseqential damages, inclding loss of profits or opportnity, or for attorneys fees incrred by yo. Yo agree that yo will not waive any rights yo have to recover yor loss against anyone who is obligated to repay, insre, or otherwise reimbrse yo for yor loss. Yo will prse yor rights or, at or option, assign them to s so that we may prse them. Or liability will be redced by the amont yo recover or are entitled to recover from these other sorces. Early Withdrawal Penalties (and involntary withdrawals). We may impose early withdrawal penalties on a withdrawal from a time accont even if yo don t initiate the withdrawal. For instance, the early withdrawal penalty may be imposed if the withdrawal is cased by or setoff against fnds in the accont or as a reslt of an attachment or other legal process. We may close yor accont and impose the early withdrawal penalty on the entire accont balance in the event of a partial early withdrawal. See yor notice of penalty for early withdrawals for additional information. Address or Name Changes. Yo are responsible for notifying s of any change in yor address or yor name. Unless we agree otherwise, change of address or name mst be made in writing by at least one of the accont holders. Informing s of yor address or name change on a check reorder form is not sfficient. We will attempt to commnicate with yo only by se of the most recent address yo have provided to s. If provided elsewhere, we may impose a service fee if we attempt to locate yo. Resolving Accont Disptes. We may place an administrative hold on the fnds in yor accont (refse payment or withdrawal of the fnds) if it becomes sbject to a claim adverse to (1) yor own interest; (2) others claiming an interest as srvivors or beneficiaries of yor accont; or (3) a claim arising by operation of law. The hold may be placed for sch period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or ntil we receive evidence satisfactory to s that the dispte has been resolved. We will not be liable for any items that are dishonored as a conseqence of placing a hold on fnds in yor accont for these reasons. Additional Terms. ARBITRATION AND WAIVER OF JURY TRIAL ALL DISPUTES OR CLAIMS PERTAINING TO THE SERVICE, A SERVICE ACCOUNT OR THE RELATIONSHIPS THAT ARISE THERE FROM, WHETHER BASED IN CONTRACT, TORT OR OTHERWISE, SHALL BE RESOLVED BY BINDING ARBITRATION UNDER THE EXPEDITED PROCEDURES OF THE COMMERCIAL FINANCIAL DISPUTES ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION (AAA) AND THE FEDERAL ARBITRATION ACT IN TITLE 9 OF THE US CODE. ARBITRATION HEARINGS WILL BE HELD IN THE STATE OF INDIANA IN A CITY OF FIRST MERCHANTS BANK, NA CHOOSING. A SINGLE ARBITRATOR WILL BE APPOINTED BY THE AAA AND WILL BE AN ATTORNEY OR A RETIRED JUDGE WITH EXPERIENCE AND KNOWLEDGE IN BANKING TRANSACTIONS. ANY ISSUE CONCERNING WHETHER OR THE EXTENT TO WHICH A DISPUTE OR CLAIM IS SUBJECT TO ARBITRATION, INCLUDING BUT NOT LIMITED TO ISSUES RELATING TO THE VALIDITY OR ENFORCEABILITY OF THESE ARBITRATION PROVISIONS, SHALL BE DETERMINED BY THE ARBITRATOR. ALL STATUES OF LIMITATIONS OR OTHER DEFENSES RELATING TO THE TIMELINESS OF THE ASSERTION OF A DISPUTE OR CLAIM THAT OTHERWISE WOULD BE APPLICABLE TO AN ACTION BROUGHT IN A COURT OF LAW SHALL BE APPLICABLE IN ANY SUCH ARBITRATION, AND THE COMMENCEMENT OF AN ARBITRATION UNDER THIS AGREEMENT SHALL BE DEEMED THE COMMENCEMENT OF AN ACTION FOR SUCH PURPOSES. NO PROVISION OF THIS PARAGRAPH SHALL RESTRICT THE ABILITY OF ANY PERSON TO EXERCISE ALL RIGHTS AND REMEDIES AVAILABLE UNDER APPLICABLE LAW OR THIS AGREEMENT; PROVIDED, HOWEVER, THAT THE EXERCISE OF THOSE RIGHTS OR REMEDIES IS SUBJECT TO THE RIGHT OF ANY OTHER PERSON TO DEMAND ARBITRATION AS PROVIDED HEREIN. THE COMMENCEMENT OF LEGAL ACTION BY A PERSON ENTITLED TO DEMAND ARBITRATION DOES NOT WAIVE THE RIGHT OF THAT PERSON TO DEMAND ARBITRATION WITH RESPECT TO ANY COUNTERCLAIM OR OTHER CLAIM. A PERSON ENTITLED OR OBLIGATED TO DEMAND ARBITRATION SHALL BE PERMITTED TO ASSERT A DISPUTE OR CLAIM THAT IS BROUGHT ON BEHALF OF ANY OTHER PERSON AND THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTE OR CLAIM TO BE ARBITRATED AS, OR ON THE BASIS OF, A CLASS ACTION. SIMILARLY, AN ARBITRATION PROCEEDING UNDER THIS AGREEMENT MAY NOT BE CONSOLIDATED WITH OTHER ARBITRATIONS PROCEEDINGS. JUDGMENT UPON THE AWARD RENDERED IN ARBITRATION SHALL BE FINAL AND MAY BE ENTERED IN ANY COURT, STATE OR FEDERAL, HAVING JURISDICTION. IF A DISPUTE OR CLAIM IS NOT SUBJECT TO ARBITRATION FOR ANY REASON, THEN THE DISPUTE OR CLAIM SHALL BE DECIDED IN THE COURTS OF DELAWARE COUNTY, INDIANA, WITHOUT A JURY. YOU AND FIRST MERCHANTS BANK, NA IRREVOCABLY WAIVE ALL RIGHTS TO TRIAL BY JURY. Waiver of Notices. Yo waive any notice of non- payment, dishonor or protest regarding any items credited to or charged against yor accont. Terms and Conditions-IN TC-IN 8/15/2012 Bankers Systems INDIANA DISCLOSURES PAGE 6 0f 6 Wolters Klwer Financial Services 2011, Page 7

31 ILLINOIS TERMS & CONDITIONS Terms and Conditions of Yor Accont Agreement. This docment, along with any other docments we give yo pertaining to yor accont(s), is a contract that establishes rles which control yor accont(s) with s. Please read this careflly and retain it for ftre reference. If yo sign the signatre card or open or contine to se the accont, yo agree to these rles. Yo will receive a separate schedle of rates, qalifying balances, and fees if they are not inclded in this docment. If yo have any qestions, please call s. This agreement is sbject to applicable federal laws, the laws of the state of Illinois and other applicable rles sch as the operating letters of the Federal Reserve Banks and payment processing system rles (except to the extent that this agreement can and does vary sch rles or laws). The body of state and federal law that governs or relationship with yo, however, is too large and complex to be reprodced here. The prpose of this docment is to: 1. smmarize some laws that apply to common transactions; 2. establish rles to cover transactions or events which the law does not reglate; 3. establish rles for certain transactions or events which the law reglates bt permits variation by agreement; and 4. give yo disclosres of some of or policies to which yo may be entitled or in which yo may be interested. If any provision of this docment is fond to be nenforceable according to its terms, all remaining provisions will contine in fll force and effect. We may permit some variations from or standard agreement, bt we mst agree to any variation in writing either on the signatre card for yor accont or in some other docment. As sed in this docment the words we, or, and s mean the financial instittion and the words yo and yor mean the accont holder(s) and anyone else with the athority to deposit, withdraw, or exercise control over the fnds in the accont. However, this agreement does not intend, and the terms yo and yor shold not be interpreted, to expand an individal s responsibility for an organization s liability. If this accont is owned by a corporation, partnership or other organization, individal liability is determined by the laws generally applicable to that type of organization. The headings in this docment are for convenience or reference only and will not govern the interpretation of the provisions. Unless it wold be inconsistent to do so, words and phrases sed in this docment shold be constred so the singlar incldes the plral and the plral incldes the singlar. Liability. Yo agree, for yorself (and the person or entity yo represent if yo sign as a representative of another) to the terms of this accont and the schedle of charges. Yo athorize s to dedct these charges, withot notice to yo, directly from the accont balance as accred. Yo will pay any additional reasonable charges for services yo reqest which are not covered by this agreement. Each of yo also agrees to be jointly and severally (individally) liable for any accont shortage reslting from charges or overdrafts, whether cased by yo or another with access to this accont. This liability is de immediately, and can be dedcted directly from the accont balance whenever sfficient fnds are available. Yo have no right to defer payment of this liability, and yo are liable regardless of whether yo signed the item or benefited from the charge or overdraft. Yo will be liable for or costs as well as for or reasonable attorneys fees, to the extent permitted by law, whether incrred as a reslt of collection or in any other dispte involving yor accont. This incldes, bt is not limited to, disptes between yo and another joint owner; yo and an athorized signer or similar party; or a third party claiming an interest in yor accont. This also incldes any action that yo or a third party takes regarding the accont that cases s, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispte. All costs and attorneys fees can be dedcted from yor accont when they are incrred, withot notice to yo. Deposits. We will give only provisional credit ntil collection is final for any items, other than cash, we accept for deposit (inclding items drawn on s ). Before settlement of any item becomes final, we act only as yor agent, regardless of the form of indorsement or lack of indorsement on the item and even thogh we provide yo provisional credit for the item. We may reverse any provisional credit for items that are lost, stolen, or retrned. Actal credit for deposits of, or payable in, foreign crrency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or otside depository ntil we actally record them. We will treat and record all transactions received after or daily ctoff time on a bsiness day we are open, or received on a day we are not open for bsiness, as if initiated on the next bsiness day that we are open. At or option, we may take an item for collection rather than for deposit. If we accept a third-party check for deposit, we may reqire any third-party indorsers to verify or garantee their indorsements, or indorse in or presence. Withdrawals. Generally. Unless clearly indicated otherwise on the accont records, any of yo, acting alone, who signs to open the accont or has athority to make withdrawals may withdraw or transfer all or any part of the accont balance at any time. Each of yo (ntil we receive written notice to the contrary) athorizes each other person who signs or has athority to make withdrawals to indorse any item payable to yo or yor order for deposit to this accont or any other transaction with s. Postdated Checks. A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge yor accont for a postdated check even thogh payment was made before the date of the check, nless we have received written notice of the postdating in time to have a reasonable opportnity to act. Becase we process checks mechanically, yor notice will not be effective and we will not be liable for failing to honor yor notice nless it precisely identifies the nmber, date, amont and payee of the item. Checks and Withdrawal Rles. If yo do not prchase yor check blanks from s, yo mst be certain that we approve the check blanks yo prchase. We may refse any withdrawal or transfer reqest which yo attempt on forms not approved by s or by any method we do not specifically permit. We may refse any withdrawal or transfer reqest which is greater in nmber than the freqency permitted, or which is for an amont greater or less than any withdrawal limitations. We will se the date the transaction is completed by s (as opposed to the date yo initiate it) to apply the freqency limitations. In addition, we may place limitations on the accont ntil yor identity is verified. Even if we honor a nonconforming reqest, we are not reqired to do so later. If yo violate the stated transaction limitations (if any), in or discretion we may close yor accont or reclassify it as a transaction accont. If we reclassify yor accont, yor accont will be sbject to the fees and earnings rles of the new accont classification. Terms and Conditions-IL TC-IL 8/15/2012 Bankers Systems ILLINOIS DISCLOSURES PAGE 1 0f 6 Wolters Klwer Financial Services 2009, 2012 Page 2 27

32 ILLINOIS TERMS & CONDITIONS If we are presented with an item drawn against yor accont that wold be a sbstitte check, as defined by law, bt for an error or defect in the item introdced in the sbstitte check creation process, yo agree that we may pay sch item. See the fnds availability policy disclosre for information abot when yo can withdraw fnds yo deposit. For those acconts to which or fnds availability policy disclosre does not apply, yo can ask s when yo make a deposit when those fnds will be available for withdrawal. We may determine the amont of available fnds in yor accont for the prpose of deciding whether to retrn an item for insfficient fnds at any time between the time we receive the item and when we retrn the item or send a notice in lie of retrn. We need only make one determination, bt if we choose to make a sbseqent determination, the accont balance at the sbseqent time will determine whether there are insfficient available fnds. Overdrafts. Yo nderstand that we may, at or discretion, honor withdrawal reqests that overdraw yor accont. However, the fact that we may honor withdrawal reqests that overdraw the accont balance does not obligate s to do so later. So yo can NOT rely on s to pay overdrafts on yor accont regardless of how freqently or nder what circmstances we have paid overdrafts on yor accont in the past. We can change or practice of paying overdrafts on yor accont withot notice to yo. Yo can ask s if we have other accont services that might be available to yo where we commit to paying overdrafts nder certain circmstances, sch as an overdraft protection line-of-credit or a plan to sweep fnds from another accont yo have with s. Yo agree that we may charge fees for overdrafts, except for overdrafts cased by ATM withdrawals or one-time debit card transactions if yo have not opted-in to that service. We may se sbseqent deposits, inclding direct deposits of social secrity or other government benefits, to cover sch overdrafts and overdraft fees. Mltiple Signatres, Electronic Check Conversion, and Similar Transactions. An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fnd transfer as defined in the Electronic Fnd Transfers reglation. In these types of transactions the check or similar item is either removed from circlation (trncated) or given back to yo. As a reslt, we have no opportnity to review the check to examine the signatres on the item. Yo agree that, as to these or any items as to which we have no opportnity to examine the signatres, yo waive any reqirement of mltiple signatres. Notice of Withdrawal. We reserve the right to reqire not less than 7 days notice in writing before each withdrawal from an interest-bearing accont other than a time deposit, or from any other savings accont as defined by Reglation D. (The law reqires s to reserve this right, bt it is not or general policy to se it.) Withdrawals from a time accont prior to matrity or prior to any notice period may be restricted and may be sbject to penalty. See yor notice of penalty for early withdrawal. Ownership of Accont and Beneficiary Designation. These rles apply to this accont depending on the form of ownership and beneficiary designation, if any, specified on the accont records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the accont fnds. Individal Accont. This is an accont in the name of one person. Joint Accont - With Srvivorship (And Not As Tenants In Common). This is an accont in the name of two or more persons. Each of yo intend that when yo die the balance in the accont (sbject to any previos pledge to which we have agreed) will belong to the srvivor(s). If two or more of yo srvive, yo will own the balance in the accont as joint tenants with srvivorship and not as tenants in common. Joint Accont - No Srvivorship (As Tenants In Common). This is owned by two or more persons, bt none of yo intend (merely by opening this accont) to create any right of srvivorship in any other person. We encorage yo to agree and tell s in writing of the percentage of the deposit contribted by each of yo. This information will not, however, affect the nmber of signatres necessary for withdrawal. Revocable Trst or Pay-On-Death Accont. If two or more of yo create this type of accont, yo own the accont jointly with srvivorship. Beneficiaries of either of these accont types cannot withdraw nless: (1) all persons creating the accont die, and (2) the beneficiary is then living. If two or more beneficiaries are named and srvive the death of the owner(s) of the accont, sch beneficiaries will own this accont in eqal shares, withot right of srvivorship. The person(s) creating either a Pay-On-Death or Revocable Trst accont reserves the right to: (1) change beneficiaries, (2) change accont types, and (3) withdraw all or part of the accont fnds at any time. Bsiness, Organization and Association Acconts. Earnings in the form of interest, dividends, or credits will be paid only on collected fnds, nless otherwise provided by law or or policy. Yo represent that yo have the athority to open and condct bsiness on this accont on behalf of the entity. We may reqire the governing body of the entity opening the accont to give s a separate athorization telling s who is athorized to act on its behalf. We will honor the athorization ntil we actally receive written notice of a change from the governing body of the entity. Stop Payments. Unless otherwise provided, the rles in this section cover stopping payment of items sch as checks and drafts. Rles for stopping payment of other types of transfers of fnds, sch as consmer electronic fnd transfers, may be established by law or or policy. If we have not disclosed these rles to yo elsewhere, yo may ask s abot those rles. We may accept an order to stop payment on any item from any one of yo. Yo mst make any stop-payment order in the manner reqired by law and we mst receive it in time to give s a reasonable opportnity to act on it before or stop-payment ctoff time. Becase stop-payment orders are handled by compters, to be effective, yor stop-payment order mst precisely identify the nmber, date, and amont of the item, and the payee. Yo may stop payment on any item drawn on yor accont whether yo sign the item or not. Generally, if yor stop-payment order is given to s in writing it is effective for six months. Yor order will lapse after that time if yo do not renew the order in writing before the end of the six-month period. If the original stop-payment order was verbal yor stop-payment order will lapse after 14 calendar days if yo do not confirm yor order in writing within that time period. We are not obligated to notify yo when a stop-payment order expires. A release of the stop-payment reqest may be made only by the person who initiated the stop-payment order. If yo stop payment on an item and we incr any damages or expenses becase of the stop payment, yo agree to indemnify s for those damages or expenses, inclding attorneys fees. Yo assign to s all rights against the payee or any other holder of the item. Yo agree to cooperate with s in any legal actions that we may take against sch persons. Yo shold be aware that anyone holding the item may be entitled to enforce payment against yo despite the stop-payment order. Or stop-payment ctoff time is one hor after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on or obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). Terms and Conditions-IL TC-IL 8/15/2012 Bankers Systems ILLINOIS DISCLOSURES PAGE 2 0f 6 Wolters Klwer Financial Services 2009, Page 3

33 ILLINOIS TERMS & CONDITIONS Telephone Transfers. A telephone transfer of fnds from this accont to another accont with s, if otherwise arranged for or permitted, may be made by the same persons and nder the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the nmber of transfers from a savings accont to another accont or to third parties, to a maximm of six per month (less the nmber of preathorized transfers dring the month). Other accont transfer restrictions may be described elsewhere. Amendments and Termination. We may change any term of this agreement. Rles governing changes in interest rates are provided separately in the Trth-in-Savings disclosre or in another docment. For other changes, we will give yo reasonable notice in writing or by any other method permitted by law. We may also close this accont at any time pon reasonable notice to yo and tender of the accont balance personally or by mail. Items presented for payment after the accont is closed may be dishonored. When yo close yor accont, yo are responsible for leaving enogh money in the accont to cover any otstanding items to be paid from the accont. Reasonable notice depends on the circmstances, and in some cases sch as when we cannot verify yor identity or we sspect frad, it might be reasonable for s to give yo notice after the change or accont closre becomes effective. For instance, if we sspect fradlent activity with respect to yor accont, we might immediately freeze or close yor accont and then give yo notice. Yo agree to keep s informed of yor crrent address at all times. Notice from s to any one of yo is notice to all of yo. If we have notified yo of a change in any term of yor accont and yo contine to have yor accont after the effective date of the change, yo have agreed to the new term(s). Statements. Yor Dty to Report Unathorized Signatres, Alterations and Forgeries. Yo mst examine yor statement of accont with reasonable promptness. If yo discover (or reasonably shold have discovered) any nathorized signatres or alterations, yo mst promptly notify s of the relevant facts. As between yo and s, if yo fail to do either of these dties, yo will have to either share the loss with s, or bear the loss entirely yorself (depending on whether we sed ordinary care and, if not, whether we sbstantially contribted to the loss). The loss cold be not only with respect to items on the statement bt other items with nathorized signatres or alterations by the same wrongdoer. Yo agree that the time yo have to examine yor statement and report to s will depend on the circmstances, bt will not, in any circmstance, exceed a total of 30 days from when the statement is first sent or made available to yo. Yo frther agree that if yo fail to report any nathorized signatres, alterations or forgeries in yor accont within 60 days of when we first send or make the statement available, yo cannot assert a claim against s on any items in that statement, and as between yo and s the loss will be entirely yors. This 60-day limitation is withot regard to whether we sed ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. Yor Dty to Report Other Errors. In addition to yor dty to review yor statements for nathorized signatres, alterations and forgeries, yo agree to examine yor statement with reasonable promptness for any other error - sch as an encoding error. Yo agree that the time yo have to examine yor statement and report to s will depend on the circmstances. However, sch time period shall not exceed 60 days. Failre to examine yor statement and report any sch errors to s within 60 days of when we first send or make the statement available precldes yo from asserting a claim against s for any sch errors on items identified in that statement and as between yo and s the loss will be entirely yors. Errors Relating to Electronic Fnd Transfers or Sbstitte Checks (For consmer acconts only). For information on errors relating to electronic fnd transfers (e.g., compter, debit card or ATM transactions) refer to yor Electronic Fnd Transfers disclosre and the sections on consmer liability and error resoltion. For information on errors relating to a sbstitte check yo received, refer to yor disclosre entitled Sbstitte Checks and Yor Rights. Direct Deposits. If we are reqired for any reason to reimbrse the federal government for all or any portion of a benefit payment that was directly deposited into yor accont, yo athorize s to dedct the amont of or liability to the U.S. Government from the accont or from any other accont yo have with s, withot prior notice and at any time, except as prohibited by law. We may also se any other legal remedy to recover the amont of or liability. Temporary Accont Agreement. If this option is selected, this is a temporary accont agreement. Each person who signs to open the accont or has athority to make withdrawals (except as indicated to the contrary) may transact bsiness on this accont. However, we may at some time in the ftre restrict or prohibit frther se of this accont if yo fail to comply with the reqirements we have imposed within a reasonable time. Set-Off. We may (withot prior notice and when permitted by law) set off the fnds in this accont against any de and payable debt yo owe s now or in the ftre, by any of yo having the right of withdrawal, to the extent of sch persons or legal entity s right to withdraw. If the debt arises from a note, any de and payable debt incldes the total amont of which we are entitled to demand payment nder the terms of the note at the time we set off, inclding any balance the de date for which we properly accelerate nder the note. This right of set-off does not apply to this accont if prohibited by law. For example, the right of set-off does not apply to this accont if: (a) it is an Individal Retirement Accont or similar tax-deferred accont, or (b) the debt is created by a consmer credit transaction nder a credit card plan (bt this does not affect or rights nder any consensal secrity interest), or (c) the debtor s right of withdrawal only arises in a representative capacity. We will not be liable for the dishonor of any check when the dishonor occrs becase we set off a debt against this accont. Yo agree to hold s harmless from any claim arising as a reslt of or exercise of or right of set-off. Check Processing. We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items. This means that we do not individally examine all of yor items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink. Yo agree that we have not failed to exercise ordinary care solely becase we se or atomated system to process items and do not inspect all items processed in sch a manner. Using an atomated process helps s keep costs down for yo and all accont holders. Check Cashing. We may charge a fee for anyone that does not have an accont with s who is cashing a check, draft or other instrment written on yor accont. We may also reqire reasonable identification to cash sch a check, draft or other instrment. We can decide what identification is reasonable nder the circmstances and sch identification may be docmentary or physical and may inclde collecting a thmbprint or fingerprint. Terms and Conditions-IL TC-IL 8/15/2012 Bankers Systems ILLINOIS DISCLOSURES PAGE 3 0f 6 Wolters Klwer Financial Services 2009, 2012 Page 4 29

34 ILLINOIS TERMS & CONDITIONS Trncation, Sbstitte Checks, and Other Check Images. If yo trncate an original check and create a sbstitte check, or other paper or electronic image of the original check, yo warrant that no one will be asked to make payment on the original check, a sbstitte check or any other electronic or paper image, if the payment obligation relating to the original check has already been paid. Yo also warrant that any sbstitte check yo create conforms to the legal reqirements and generally accepted specifications for sbstitte checks. Yo agree to retain the original check in conformance with or internal policy for retaining original checks. Yo agree to indemnify s for any loss we may incr as a reslt of any trncated check transaction yo initiate. We can refse to accept sbstitte checks that have not previosly been warranted by a bank or other financial instittion in conformance with the Check 21 Act. Unless specifically stated in a separate agreement between yo and s, we do not have to accept any other electronic or paper image of an original check. Remotely Created Checks. Like any standard check or draft, a remotely created check (sometimes called a telecheck, preathorized draft or demand draft) is a check or draft that can be sed to withdraw money from an accont. Unlike a typical check or draft, however, a remotely created check is not issed by the paying bank and does not contain the signatre of the accont owner (or a signatre prported to be the signatre of the accont owner). In place of a signatre, the check sally has a statement that the owner athorized the check or has the owner s name typed or printed on the signatre line. For example, if a person provides an accont nmber in response to a telephone solicitation, the telephone solicitor can se the accont nmber to isse a remotely created check to withdraw money from that accont. Yo warrant and agree to the following for every remotely created check we receive from yo for deposit or collection: (1) yo have received express and verifiable athorization to create the check in the amont and to the payee that appears on the check; (2) yo will maintain proof of the athorization for at least 2 years from the date of the athorization, and spply s the proof if we ask; and (3) if a check is retrned yo owe s the amont of the check, regardless of when the check is retrned. We may take fnds from yor accont to pay the amont yo owe s, and if there are insfficient fnds in yor accont, yo still owe s the remaining balance. Unlawfl Internet Gambling Notice. Restricted transactions as defined in Federal Reserve Reglation GG are prohibited from being processed throgh this accont or relationship. Restricted transactions generally inclde, bt are not limited to, those in which credit, electronic fnd transfers, checks, or drafts are knowingly accepted by gambling bsinesses in connection with the participation by others in nlawfl Internet gambling. ACH and Wire Transfers. This agreement is sbject to Article 4A of the Uniform Commercial Code - Fnd Transfers as adopted in the state in which yo have yor accont with s. If yo originate a fnd transfer and yo identify by name and nmber a beneficiary financial instittion, an intermediary financial instittion or a beneficiary, we and every receiving or beneficiary financial instittion may rely on the identifying nmber to make payment. We may rely on the nmber even if it identifies a financial instittion, person or accont other than the one named. Yo agree to be bond by atomated clearing hose association rles. These rles provide, among other things, that payments made to yo, or originated by yo, are provisional ntil final settlement is made throgh a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive sch payment, we are entitled to a refnd from yo in the amont credited to yor accont and the party originating sch payment will not be considered to have paid the amont so credited. If we receive a payment order to credit an accont yo have with s by wire or ACH, we are not reqired to give yo any notice of the payment order or credit. Facsimile Signatres. Unless yo make advance arrangements with s, we have no obligation to honor facsimile signatres on yor checks or other orders. If we do agree to honor items containing facsimile signatres, yo athorize s, at any time, to charge yo for all checks, drafts, or other orders, for the payment of money, that are drawn on s. Yo give s this athority regardless of by whom or by what means the facsimile signatre(s) may have been affixed so long as they resemble the facsimile signatre specimen filed with s, and contain the reqired nmber of signatres for this prpose. Yo mst notify s at once if yo sspect that yor facsimile signatre is being or has been missed. Convenience Depositor (Individal Acconts only). A single individal is the owner. The convenience depositor is merely designated to condct transactions on the owner s behalf. The owner does not give p any rights to act on the accont, and the convenience depositor may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing fnds from the accont. The owner is responsible for any transactions of the convenience depositor. We ndertake no obligation to monitor transactions to determine that they are on the owner s behalf. The owner may terminate the athorization at any time, and the athorization is atomatically terminated by the death of the owner. However, we may contine to honor the transactions of the convenience depositor ntil: (a) we have received written notice or have actal knowledge of the termination of athority, and (b) we have a reasonable opportnity to act on that notice or knowledge. We may refse to accept a convenience depositor. Restrictive Legends. The atomated processing of the large volme of checks we receive prevents s from inspecting or looking for special instrctions or restrictive legends on every check. Examples of restrictive legends placed on checks are mst be presented within 90 days or not valid for more than $1, For this reason, we are not reqired to honor any restrictive legend placed on checks yo write nless we have agreed in writing to the restriction. We are not responsible for any losses, claims, damages, or expenses that reslt from yor placement of these or other special instrctions on yor checks. Accont Transfer. This accont may not be transferred or assigned withot or prior written consent. Indorsements. We may accept for deposit any item payable to yo or yor order, even if they are not indorsed by yo. We may give cash back to any one of yo. We may spply any missing indorsement(s) for any item we accept for deposit or collection, and yo warrant that all indorsements are genine. To ensre that yor check or share draft is processed withot delay, yo mst indorse it (sign it on the back) in a specific area. Yor entire indorsement (whether a signatre or a stamp) along with any other indorsement information (e.g., additional indorsements, ID information, driver s license nmber, etc.) mst fall within 1 1/2 of the trailing edge of a check. Indorsements mst be made in ble or black ink, so that they are readable by atomated check processing eqipment. As yo look at the front of a check, the trailing edge is the left edge. When yo flip the check over, be sre to keep all indorsement information within 1 1/2 of that edge. Terms and Conditions-IL TC-IL 8/15/2012 Bankers Systems ILLINOIS DISCLOSURES PAGE 4 0f 6 Wolters Klwer Financial Services 2009, Page 5

35 payment order or ke advance igation to honor other orders. If we simile signatres, e yo for all checks, t of money, that are y regardless of by signatre(s) may mble the facsimile ontain the reqired Yo mst notify s ile signatre is signatre or a stamp) along with any other indorsement information (e.g., additional indorsements, ID information, driver's license nmber, etc.) mst fall within 1 1/2" of the "trailing edge" of a check. Indorsements mst be made in ble or black ink, so that they are readable by atomated checkprocessing eqipment. As yo look at the front of a check, the "trailing edge" is the left edge. When yo flip the check over, be sre to keep all indorsement information within 1 1/2" of that ILLINOIS TERMS & CONDITIONS edge. legal action. Any fees or expenses we incr in responding to any legal action (inclding, withot limitation, attorneys fees and or internal expenses) may be charged against yor accont. The list of fees applicable to yor accont(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. nts only).asingle d signer is merely the owner's behalf. to act on the y not in any manner iciaries, if any, other cont. The owner is athorized signer. r transactions to behalf. The owner time, and the ted by the death of to honor the ntil: (a) we have knowledge of the ve a reasonable wledge. We may It is important that yo confine the indorsement thorized signer. It is important information that yo confine to thisthe area indorsement since theinformation remainingto blank this space area since the remaining blank space will be sed by others in the processing of the check to place additional needed indorsements and information. Yo agree that yo will indemnify, defend, and hold s harmless for any loss, liability, damage or expense that occrs becase yor indorsement, another indorsement, or information yo have printed on the back of the check obscres or indorsement. These indorsement gidelines apply to both personal and bsiness checks. Death or Incompetence. Yo agree to notify s promptly if any person with a right to withdraw fnds from yor accont(s) dies or becomes legally incompetent. We may contine to honor yor checks, items, and instrctions ntil: (a) we know of yor death or incompetence, and (b) we have had a reasonable opportnity to act on that knowledge. Yo agree that we may pay or certify checks drawn on or before the date of death or legal incompetence for p to ten (10) days after yor death or legal incompetence nless ordered to stop payment by someone claiming an interest in the accont. Fidciary Acconts. Acconts may be opened by a person acting in a fidciary capacity. A fidciary is someone who is appointed to act on behalf of and for the benefit of another. This accont may be opened and maintained by a person or persons named as a trstee nder a written trst agreement, or as exectors, administrators, or conservators nder cort orders. Yo nderstand that by merely opening sch an accont, we are not acting in the capacity of a trstee in connection with the trst nor do we ndertake any obligation to monitor or enforce the terms of the trst or letters. Credit Verification. Yo agree that we may verify credit and employment history by any necessary means, inclding preparation of a credit report by a credit reporting agency. Legal Actions Affecting Yor Accont. If we are served with a sbpoena, restraining order, writ of attachment or exection, levy, garnishment, search warrant, or similar order relating to yor accont (termed legal action in this section), we will comply with that legal action. Or, in or discretion, we may freeze the assets in the accont and not allow any payments ot of the accont ntil a final cort determination regarding the legal action. We may do these things even if the legal action involves less than all of yo. In these cases, we will not have any liability to yo if there are insfficient fnds to pay yor items becase we have withdrawn fnds from yor accont or in any way restricted access to yor fnds in accordance with the Secrity. It is yor responsibility to protect the accont nmbers and electronic access devices (e.g., an ATM card) we provide yo for yor accont(s). Do not discss, compare, or share information abot yor accont nmber(s) with anyone nless yo are willing to give them fll se of yor money. An accont nmber can be sed by thieves to encode yor nmber on a false demand draft which looks like and fnctions like an athorized check. If yo frnish yor access device and grant actal athority to make transfers to another person (a family member or coworker, for example) who then exceeds that athority, yo are liable for the transfers nless we have been notified that transfers by that person are no longer athorized. Yor accont nmber can also be sed to electronically remove money from yor accont. If yo provide yor accont nmber in response to a telephone solicitation for the prpose of making a transfer (to prchase a service or merchandise, for example), payment can be made from yor accont even thogh yo did not contact s directly and order the payment. Yo mst also take precation in safegarding yor blank checks. Notify s at once if yo believe yor checks have been lost or stolen. As between yo and s, if yo are negligent in safegarding yor checks, yo mst bear the loss entirely yorself or share the loss with s (we may have to share some of the loss if we failed to se ordinary care and if we sbstantially contribted to the loss). Yo agree that if we offer yo services Page appropriate 6 of 8 for yor accont to help identify and limit frad or other nathorized transactions against yor accont, sch as positive pay or commercially reasonable secrity procedres, and yo reject those services, yo will be responsible for any fradlent or nathorized transactions which cold have been prevented by the services we offered, nless we acted in bad faith or to the extent or negligence contribted to the loss. TC-IN 8/15/2012 Telephonic Instrctions. Unless reqired by law or we have agreed otherwise in writing, we are not reqired to act pon instrctions yo give s via facsimile transmission or leave by voice mail or on a telephone answering machine. Claim of Loss. If yo claim a credit or refnd becase of a forgery, alteration, or any other nathorized withdrawal, yo agree to cooperate with s in the investigation of the loss, inclding giving s an affidavit containing whatever reasonable information we reqire concerning yor accont, the transaction, and the circmstances srronding the loss. Yo will notify law enforcement athorities of any criminal act related to the claim of lost, missing, or stolen checks or nathorized withdrawals. We will have a reasonable period of time to investigate the facts and circmstances srronding any claim of loss. Unless we have acted in bad faith, we will not be liable for special or conseqential damages, inclding loss of profits or opportnity, or for attorneys fees incrred by yo. Yo agree that yo will not waive any rights yo have to recover yor loss against anyone who is obligated to repay, insre, or otherwise reimbrse yo for yor loss. Yo will prse yor rights or, at or option, assign them to s so that we may prse them. Or liability will be redced by the amont yo recover or are entitled to recover from these other sorces. Early Withdrawal Penalties (and involntary withdrawals). We may impose early withdrawal penalties on a withdrawal from a time accont even if yo don t initiate the withdrawal. For instance, the early withdrawal penalty may be imposed if the withdrawal is cased by or setoff against fnds in the accont or as a reslt of an attachment or other legal process. We may close yor accont and impose the early withdrawal penalty on the entire accont balance in the event of a partial early withdrawal. See yor notice of penalty for early withdrawals for additional information. Terms and Conditions-IL TC-IL 8/15/2012 Bankers Systems ILLINOIS DISCLOSURES PAGE 5 0f 6 Wolters Klwer Financial Services 2009, 2012 Page 6 31

36 ILLINOIS TERMS & CONDITIONS Address or Name Changes. Yo are responsible for notifying s of any change in yor address or yor name. Unless we agree otherwise, change of address or name mst be made in writing by at least one of the accont holders. Informing s of yor address or name change on a check reorder form is not sfficient. We will attempt to commnicate with yo only by se of the most recent address yo have provided to s. If provided elsewhere, we may impose a service fee if we attempt to locate yo. Resolving Accont Disptes. We may place an administrative hold on the fnds in yor accont (refse payment or withdrawal of the fnds) if it becomes sbject to a claim adverse to (1) yor own interest; (2) others claiming an interest as srvivors or beneficiaries of yor accont; or (3) a claim arising by operation of law. The hold may be placed for sch period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or ntil we receive evidence satisfactory to s that the dispte has been resolved. We will not be liable for any items that are dishonored as a conseqence of placing a hold on fnds in yor accont for these reasons. Waiver of Notices. Yo waive any notice of nonpayment, dishonor or protest regarding any items credited to or charged against yor accont. Additional Terms. ARBITRATION AND WAIVER OF JURY TRIAL ALL DISPUTES OR CLAIMS PERTAINING TO THE SERVICE, A SERVICE ACCOUNT OR THE RELATIONSHIPS THAT ARISE THERE FROM, WHETHER BASED IN CONTRACT, TORT OR OTHERWISE, SHALL BE RESOLVED BY BINDING ARBITRATION UNDER THE EXPEDITED PROCEDURES OF THE COMMERCIAL FINANCIAL DISPUTES ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION (AAA) AND THE FEDERAL ARBITRATION ACT IN TITLE 9 OF THE US CODE. ARBITRATION HEARINGS WILL BE HELD IN THE STATE OF INDIANA IN A CITY OF FIRST MERCHANTS BANK, NA CHOOSING. A SINGLE ARBITRATOR WILL BE APPOINTED BY THE AAA AND WILL BE AN ATTORNEY OR A RETIRED JUDGE WITH EXPERIENCE AND KNOWLEDGE IN BANKING TRANSACTIONS. ANY ISSUE CONCERNING WHETHER OR THE EXTENT TO WHICH A DISPUTE OR CLAIM IS SUBJECT TO ARBITRATION, INCLUDING BUT NOT LIMITED TO ISSUES RELATING TO THE VALIDITY OR ENFORCEABILITY OF THESE ARBITRATION PROVISIONS, SHALL BE DETERMINED BY THE ARBITRATOR. ALL STATUES OF LIMITATIONS OR OTHER DEFENSES RELATING TO THE TIMELINESS OF THE ASSERTION OF A DISPUTE OR CLAIM THAT OTHERWISE WOULD BE APPLICABLE TO AN ACTION BROUGHT IN A COURT OF LAW SHALL BE APPLICABLE IN ANY SUCH ARBITRATION, AND THE COMMENCEMENT OF AN ARBITRATION UNDER THIS AGREEMENT SHALL BE DEEMED THE COMMENCEMENT OF AN ACTION FOR SUCH PURPOSES. NO PROVISION OF THIS PARAGRAPH SHALL RESTRICT THE ABILITY OF ANY PERSON TO EXERCISE ALL RIGHTS AND REMEDIES AVAILABLE UNDER APPLICABLE LAW OR THIS AGREEMENT; PROVIDED, HOWEVER, THAT THE EXERCISE OF THOSE RIGHTS OR REMEDIES IS SUBJECT TO THE RIGHT OF ANY OTHER PERSON TO DEMAND ARBITRATION AS PROVIDED HEREIN. THE COMMENCEMENT OF LEGAL ACTION BY A PERSON ENTITLED TO DEMAND ARBITRATION DOES NOT WAIVE THE RIGHT OF THAT PERSON TO DEMAND ARBITRATION WITH RESPECT TO ANY COUNTERCLAIM OR OTHER CLAIM. A PERSON ENTITLED OR OBLIGATED TO DEMAND ARBITRATION SHALL BE PERMITTED TO ASSERT A DISPUTE OR CLAIM THAT IS BROUGHT ON BEHALF OF ANY OTHER PERSON AND THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTE OR CLAIM TO BE ARBITRATED AS, OR ON THE BASIS OF, A CLASS ACTION. SIMILARLY, AN ARBITRATION PROCEEDING UNDER THIS AGREEMENT MAY NOT BE CONSOLIDATED WITH OTHER ARBITRATIONS PROCEEDINGS. JUDGMENT UPON THE AWARD RENDERED IN ARBITRATION SHALL BE FINAL AND MAY BE ENTERED IN ANY COURT, STATE OR FEDERAL, HAVING JURISDICTION. IF A DISPUTE OR CLAIM IS NOT SUBJECT TO ARBITRATION FOR ANY REASON, THEN THE DISPUTE OR CLAIM SHALL BE DECIDED IN THE COURTS OF DELAWARE COUNTY, INDIANA, WITHOUT A JURY. YOU AND FIRST MERCHANTS BANK, NA IRREVOCABLY WAIVE ALL RIGHTS TO TRIAL BY JURY. Terms and Conditions-IL ILLINOIS DISCLOSURES PAGE 6 0f 6 TC-IL 8/15/2012 Bankers Systems Wolters Klwer Financial Services 2009,

37 PRIVACY STATEMENT FACT Why What? How? Rev December 2011 WHAT DOES FIRST MERCHANTS BANK, N.A. DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share yor personal information. Federal law gives consmers the right to limit some bt not all sharing. Federal law also reqires s to tell yo how we collect, share, and protect yor personal information. Please read this notice careflly to nderstand what we do. The types of personal information we collect and share depend on the prodct or service yo have with s. This information can inclde: Social Secrity nmber and Income Accont balances and Transaction history Credit history and Credit scores All financial companies need to share cstomers personal information to rn their everyday bsiness. In the section below, we list the reasons financial companies can share their cstomers personal information; the reasons First Merchants Bank, N.A. chooses to share; and whether yo can limit this sharing. Reasons we can share yor personal information For or everyday bsiness prposes sch as to process yor transactions, maintain yor accont(s), respond to cort orders and legal investigations, or report to credit breas For or marketing prposes to offer or prodcts and services to yo Does First Merchants Bank, N.A. share? Yes Yes Can yo limit this sharing? No No For joint marketing with other financial companies Yes No For or affiliates everyday bsiness prposes information abot yor transactions and experiences For or affiliates everyday bsiness prposes information abot yor creditworthiness Yes Yes No Yes For or affiliates to market to yo Yes Yes For nonaffiliates to market to yo No We don t share To limit or sharing Qestions? Call s to limit sharing. A live representative will assist yo dring normal bsiness hors. First Merchants Bank, N.A.: Lafayette Bank & Trst, a Division of First Merchants Bank, N.A.: Commerce National Bank, a Division of First Merchants Bank, N.A.: First Merchants Trst Company, a Division of First Merchants Bank, N.A.: Please note: If yo are anew cstomer, we can begin sharing yor information 30 days from the date we sent this notice. When yo are no longer or cstomer, we contine to share yor information as described in this notice. However, yo can contact s at any time to limit or sharing. Call First Merchants Bank, N.A: Lafayette Bank &Trst, a Division of First Merchants Bank, N.A.: Commerce National Bank, a Division of First Merchants Bank, N.A.: First Merchants Trst Company, a Division of First Merchants Bank, N.A.: FMB Indiana Bsiness Disclosre Booklet - Reviewed 11/1/2013 Page 8 33

38 Page 2 Who we are Who is providing this notice? What we do How does First Merchants Bank, N.A. protect my personal information? How does First Merchants Bank, N.A. collect my personal information? Why can t Ilimit all sharing? What happens when I limit sharing for an accont I hold jointly with someone else? Definitions Affiliates Nonaffiliates Joint marketing First Merchants Bank, N.A.; Lafayette Bank &Trst, a Division of First Merchants Bank, N.A.; Commerce National Bank, a Division of First Merchants Bank, N.A.; First Merchant Trst Company, a Division of First Merchants Bank, N.A. To protect yor personal information from nathorized access and se, we se secrity measres that comply with federal law. These measres inclde compter safegards and secred files and bildings. We collect yor personal information, for example, when yo open an accont or deposit money pay yor bills or apply for a loan se yor credit or debit card We also collect yor personal information from others, sch as credit breas, affiliates, or other companies. Federal law gives yo the right to limit only sharing for affiliates everyday bsiness prposes information abot yor creditworthiness affiliates from sing yor information to market to yo sharing for nonaffiliates to market to yo State laws and individal companies may give yo additional rights to limit sharing. Yor choices will apply to everyone on yor accont nless yo tell s otherwise. Companies related by common ownership or control. They can be financial and nonfinancial companies. Or affiliates inclde companies with a common corporate ownership of First Merchants Corporation; and inclde financial companies sch as First Merchants Insrance Grop. Companies not related by common ownership or control. They can be financial and nonfinancial companies. First Merchants Bank, N.A. does not share with nonaffiliates so they can market to yo. A formal agreement between nonaffiliated financial companies that together market financial prodcts or services to yo. Or joint marketing partners inclde credit card companies. 34

39 PATRIOT ACT IMPORTANT INFORMATION ABOUT NEW PROCEDURES FOR OPENING AN ACCOUNT MANDATED BY THE USA PATRIOT ACT To help the government fight the fnding of terrorism and money landering activities, the USA PATRIOT Act, a Federal law, reqires all financial instittions to obtain, verify, and record information that identifies each person who opens an accont, inclding bsiness acconts. What this means for yo: When yo open an accont, we will ask for yor name, address, date of birth and other information that will allow s to identify yo. We may also ask to see yor driver s license or other identifying docments. If yo are opening an accont on behalf of a bsiness entity, docments relating to the bsiness may also be reqested. Corporate Compliance Revised GENERAL BANKING FEES Debit/ATM Fees $ ATM or Debit Card Replacement $ 2.00 Foreign ATM 1 $ Express Delivery Fee Varies International Fees 10 Stop Payment/Retrned Items $ Chargeback $ 4.00 Redeposit $ Stop/Hold Fee $ Insfficient Fnds 2 $ Overdraft 2 $ st Continos Overdraft Charge 3 $ 8.00 Recrring Overdraft Charge 4 Statement Assistance $ 3.00 Accont Activity Printot (teller) $ Dplicate/Special/Instant Statements $ Reconciling Statement (per hor, one hor min.) $ Research Fee (per hor, one hor min.) $ 2.00 Research Copies (per page) $ 3.00 Closed Accont Copies (per page) $ 3.00 Non-Cstomer Reqest (per page) $ 2.00 Photocopy $ 2.00 Check Copy Wire Transfers $ Incoming Wire $ Otgoing Wire $ Otgoing Wire (via Online Banking) $ International Wire Fee 5 Other $ 8.00 Official Checks 6 $ Official Checks (non-cstomer) $ 4.00 Money Order 6 $ 6.00 Money Order (non-cstomer) $ ODP Immediate Transfer Charge $ 6.00 Telephone Transfer 7 $ Early Closing Fee (within 180 days of opening) $ Accont Closing by Mail $ 5.00 SC Dormant Accont Fee 8 $ Escheatment Processing Fee $ Tax Levy $ Garnishments $ 1.00 Fax Fees (per page) $ Payment of Collection Items $ Overnight Check Payment (via Online Bill Pay) $ SC Global Item 9 1 Inqiry, Transfer, Withdrawal or Declined transactions; 2 Fees may be created by check, in-person, ATM withdrawal, or other electronic transactions; 3 Charge will be assessed on the 4th calendar day the accont is overdrawn. 4 Additional charge assessed beginning on 5th calendar day and contining ntil a positive balance is achieved or the accont is closed; 5 Additional fee may be charged by the domestic or international correspondent bank; 6 Free for certain accont types; 7 Fee applies whether placed via Call Center or banking center staff; 8 A dormant accont fee will be charged each month if, for 1 year previos for checking or 3 years previos for savings, there is no cstomer initiated activity or other indication in writing from yo of an interest in the accont; 9 Fee will be charged to Reglar Savings or Money Market Savings cstomers per withdrawal in excess of 6 per calendar month or statement cycle (or similar period) of at least 4 weeks. 10 Charges determined by MasterCard, Maestro and Cirrs 35 35

40 The Strength of Big. the service of Small. 200 E. Jackson St., Mncie, IN MULT-BKLT-CFBIntCommBUS-1213 Investment and insrance prodcts are not bank deposits and are not FDIC insred.