SAFE & SECURE TeleCHIEF transactions can only be authorized with your account number and Personal Identification Number (PIN), selected by you. You must also complete and sign the attached application form to use TeleCHIEF. The TeleCHIEF funds transfer option requires you to complete the attached Funds Transfer Authorization Form. If you would like to use TeleCHIEF to transfer money between your checking and savings account(s), please read and complete the form and return it to the bank, or ask a Customer Service Representative at any of our locations for assistance. You may begin using TeleCHIEF and the funds transfer option within seven (7) days of our receipt and approval of your completed application. CONVENIENT TeleCHIEF Phone Banking makes life easier by allowing 24-Hour, instant access to your accounts and our services. TeleCHIEF lets you decide when and where you want to transact your banking business... from the comfort of your home, office, car, or cellular phone. It s fast, easy, and secure. 24 HOUR ACCESS - Check your current account balance. - Review recent account transactions. (Checks written, withdrawals, deposits, transfers) - Transfer funds between accounts. - Check the current balance, payment and interest information on your mortgage or installment loan. - Make a loan payment by transferring funds from your checking or savings account. - Calculate loan payments for a mortgage, home equity or installment loan. - Request a fax of your account statement activity. FAST & EASY TeleCHIEF Phone Banking is quick and simple to use. To begin TeleCHIEF, follow these step-by-step instructions. 1. Dial (309) 756-2472 or 1-(877) 787-2472 using any touch-tone phone. You will need your account number(s), and your Personal Identification Number (PIN). The first time you call TeleCHIEF, you will need the PIN number you selected. You will select this PIN at the time you apply for the service. If you are not present when we receive your application, a temporary PIN will be assigned to you. This PIN will be mailed to you within 48-hours of our receipt of your completed application. For your protection, please change the PIN to a four digit number that only you will know. In order to protect your financial privacy, do not write down your PIN. 2. Wait for the greeting. You will then be given a series of menu options from which to choose. TeleCHIEF will carefully talk you through your transaction(s). 3. To access the menu options, simply press the corresponding number on the phone key pad and follow the instructions provided. There is a $1.00 service charge that will be automatically debited from your account for each transmitted fax. 1
ACCOUNT DISCLOSURE OF TERMS GOVERNING THE TeleCHIEF PHONE BANKING SYSTEM This brochure contains rules which govern your TeleCHIEF 24-Hour Phone Banking account relationship with us. Please read this Brochure and if you have any questions, please feel free to contact us. Throughout this Brochure, the term we, us or Bank means our financial institution and the term you or your means you, the Customer(s). If the terms of this Brochure conflict with the terms of any agreement or signature card you have with us, the terms of this Brochure will control. TeleCHIEF 24-Hour Phone Banking transactions are account portfolio and account owner specific. In order to use TeleCHIEF 24-Hour Phone Banking, your tax identification number must be attached to the applicable account portfolio you wish to access and you must be an authorized owner of the respective account(s) you wish to access. TeleCHIEF 24-Hour Phone Banking transactions performed after 6:00 p.m. (CDT) will be processed effective the following business day. Every day is a business day, except Saturdays, Sundays, and federal holidays. TeleCHIEF 24-Hour Phone Banking allows you to receive a facsimile (fax) copy of Checking, Savings, Certificate of Deposit and Loan transactions. A $1.00 service fee will be automatically assessed to your account for each fax transmission you request via TeleCHIEF 24-Hour Phone Banking. ELECTRONIC FUNDS TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The following disclosure is provided pursuant to the Electronic Funds Transfer Act and Regulation E. The Electronic Funds Transfers we are capable of processing via TeleCHIEF 24-Hour Phone Banking are listed below, some of which may not apply to your account. Please read this disclosure because it tells you your rights and obligations for TeleCHIEF 24-Hour Phone Banking transactions. You should keep this notice for future reference as is necessary. 1. TYPES AND LIMITATIONS OF TRANSFERS (a) TeleCHIEF Transfers. You may use TeleCHIEF 24-Hour Phone Banking to make transfers from: 1. Checking to Checking (Checking Accounts include our Regular, Student, Senior, Personal, Economy, Homeowners, Silver Hawk Club, Now, Super NOW, Health Savings, and Money Market Accounts). 2. Checking to Savings (Savings Accounts include our Savings, Christmas Club, Health Savings, and Money Market Deposit Accounts.) (b) Loan Payments. You may use TeleCHIEF 24-Hour Phone Banking to make the following Loan payments: 1. Loan Payment from Checking 2. Loan Payment from Savings Loan payments include: Consumer/Installment Loans, Real Estate Loans, Commercial Loans and Home Equity Loans (HELOC). (c) Limitations on frequency of electronic funds transfers. Transfers from a Money Market Deposit Account or a Savings Account to 2
another account or to third parties by pre-authorized, automatic or telephone transfers are limited. Regarding Money Market Deposit Accounts, the limit is six transfers per month or statement cycle, with no more than six (6) by check, debit card or similar order to third parties. Regarding Savings Accounts, thirteen (13) transfers are allowed per quarter at no charge. Each additional transfer will be assessed a $1.00 fee. 2. CHARGES FOR ELECTRONIC FUNDS TRANSFERS There is no charge assessed for Electronic Funds Transfers made via TeleCHIEF 24-Hour Phone Banking except as follows: (a) Regarding Money Market Deposit Accounts, the fee for each check or transfer if more than six (6) checks and/or six (6) transfers per month or statement cycle: $5.00 per item. (b) Regarding Savings Accounts, the fee for each transfer in excess of the thirteen (13) allowed per quarter: $1.00 each item. (c) Regarding Personal Checking Accounts, the fee for each debit charged against the account, including, but not limited to a TeleCHIEF 24-Hour Phone Banking transfer or loan payment is $0.25 per debit. 3. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS Tell us AT ONCE if you believe your Personal Identification Number (PIN) code necessary to access TeleCHIEF 24-Hour Phone Banking has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50 dollars if someone used your PIN code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN code, and we can prove we could have stopped someone from using your PIN code without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. 4. TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT OF UNAUTHORIZED TRANSFER If you believe someone has transferred or may transfer money from your account without your permission, call or write to us at the number and address in paragraph 9. 5. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES We will disclose information to third parties about your account or the transfers you make: where it is necessary for completing transfers, or in order to verify the existence and conditions of your account for a third party, such as a credit bureau or merchant; or in order to comply with government agency or court orders; or if you give us your written permission. 3
6. RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS For transfers at terminals, you will receive a receipt at the time the transfer is made. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, we will let you know if the deposit is made. You can call us at the number in paragraph 9 to find out whether or not the deposit has been made. You will get a monthly account statement on checking accounts unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. 7. FINANCIAL INSTITUTIONS LIABILITY FOR FAILURE TO MAKE TRANSFERS If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your loses or damages. However, there are some exceptions. We will NOT be liable, for instance: -If through no fault of ours, you do not have enough money in your account to make the transfer. -If circumstances beyond our control (such as flood or fire) prevent the transfer, despite reasonable precautions we have taken. -If the transfer would go over the credit limit on your over draft line. -If the TeleCHIEF 24-Hour Phone Banking system was not working properly and you knew about the breakdown when you started the transfer. There may be other exceptions stated in our agreement with you. 8. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS (ERROR RESOLUTION) - Telephone us or write us at the number and address in paragraph 9 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. - Tell us your name and account number. - Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. - Tell us the dollar amount of the suspected error. - If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it in ten (10) business days, we may not re-credit your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. 4
9. CONTACT US: Blackhawk Bank & Trust 301 West 4th Street, P.O. Box 1100, Milan, IL 61264-1100 Phone (309) 787-7567 BANK HOURS: (Excluding Federal Holidays) Lobby hours posted apply to all branches. Drive-up hours posted apply to all branches with drive-up banking. Our Milan Main Bank Branch and Milan Bookkeeping office do not have drive-up banking services. Lobby Hours Monday - Thursday 8:00 a.m. to 4:00 p.m. Friday 8:00 a.m. to 5:30 p.m. Saturday 8:00 a.m. to 12:00 p.m. Drive-up Hours Monday - Friday 7:30 a.m. to 5:30 p.m. Saturday 7:30 a.m. to 12:00 p.m. 5
TeleCHIEF INSTRUCTIONS & MENU OPTIONS For local calls: (309) 756-2472 For long distance calls: (877) 787-2472 For messages in English, press 1 For messages in Spanish, press 2 MAIN MENU SELECTIONS For Account Information, press 1 For Deposit Rates, press 2 For Investment and Loan Calculations, press 3 For Check Verification, press 4 For Miscellaneous Information including Bank Locations, Bank Hours, and information about our Silver Hawk Club and Trips, press 5 To report a lost or stolen ATM or Debit Card, press 6 For information about Investment Services, press 7 To end call, press 9 For Customer Service (during regular business hours) press 0 ACCOUNT INFORMATION MENU 1. Enter your account number, followed by the # sign. For checking accounts, press 1 For savings accounts, press 2 For certificates of deposit, press 3 For loans, press 4 To return to the main menu, press 9 2. Enter your Personal Identification Number (PIN), followed by the # sign. CHECKING ACCOUNT MENU 1. Current Balance and Last Deposit current balance, last deposit amount & date 2. Review Checking Transactions/Fax Menu 1. Most recent checks or withdrawals check #/ withdrawal, amount, posted date 2. Most recent deposits: deposit amount, posted date 3. For All Transactions Posted: deposit/ withdrawal/ debit/ credit check #, amount, date posted 4. Receive a Fax Statement Menu 1. All transactions since last statement 2. All transactions from specific date 9. Return to checking transactions menu 5. For Pending Transactions: pending deposit/ withdrawal/ debit/ credit, check #, amount, date posted 6. See if a Specific Check has Cleared: check # has not cleared or check #, amount, posted date 9. Return to Checking Information Menu 3. Transfer Funds Menu 1. Transfer Checking to Checking 2. Transfer Checking to Savings 3. Transfer Savings to Checking 6. Loan to Checking Advance 9. Return to Checking Information Menu 4. Make a Payment from Checking 1. Loan payments from checking 6
9. Return to checking information menu 5. Other Checking Account Functions Menu 1. Interest Information last interest paid amount, date total interest paid to date (current year) total interest paid (prior year) 9. Return to checking information menu 9. Inquire into other accounts or change PIN SAVINGS ACCOUNT MENU 1. Current Balance and Last Deposit current balance, last deposit amount & date 2. Review Savings Transactions/Fax Menu 1. Most recent withdrawals: withdrawal, amount, posted date 2. Most recent deposits: deposit amount, posted date 3. For All Transactions Posted: deposit/ withdrawal/ debit/ credit check #, amount, date posted 4. Receive a Fax Statement Menu 1. All transactions since last statement 2. All transactions from specific date 9. Return to savings transactions menu 5. For Pending Transactions pending deposit/ withdrawal/ debit/ credit amount, date posted 9. Return to Savings Information Menu 3. Transfer Funds Menu 2. Transfer Checking to Savings 3. Transfer Savings to Checking 4. Transfer Savings to Savings 7. Loan to Savings Advance 9. Return to Savings Information Menu 4. Make a Payment from Savings 2. Loan payments from savings 9. Return to savings information menu 5. Interest Information last interest paid amount, date total interest paid to date (current year) total interest paid (prior year) 9. Inquire into other accounts or change PIN CERTIFICATE OF DEPOSIT ACCOUNT MENU 1. Current Balance 2. Review Certificate Transactions/Fax Menu 1. Most recent Transactions deposit/withdrawal/debit/credit amount, date posted 2. All Transactions Since Last Statement 3. All Transactions From Specific Date 4. Receive a Fax Statement Menu 9. Return to certificate of deposit menu 3. Interest Information last interest paid amount, date total interest paid to date (current year) total interest paid (prior year) 9. Inquire into other accounts or change PIN LOAN ACCOUNT MENU 1. Current Balance and Payment Information current balance, payment amount, payment due date 2. Review Loan Transactions/Fax Menu 1. Most recent Transactions debit/credit/amount/date posted 7
2. All Transactions Since Last Statement 3. All Transactions From Specific Date 9. Return to Loan Information Menu 3. Interest Information amount interest paid to date (current year) total interest paid (prior year) total interest paid (loan to date) 4. Transfer Funds Menu 6. Loan to checking advance 7. Loan to savings advance 9. Return to Loan Information Menu 5. Loan Payoff Information loan payoff amount 9. Inquire into other accounts or change PIN DEPOSIT RATES MENU All Account Rates Include the Annual Percentage Yield (APY) 1. Checking Rates Menu 1. Homeowners Account Rates, APY 2. NOW Account Rates, APY 3. SuperNOW Account Rates, APY 4. Health Savings Checking Account Rates, APY 5. Money Market Account Rates, APY 9. Return to Deposit Rates Menu 2. Savings Rates Menu 1. Savings Rates, APY 2. Christmas Club Rates, APY 3. Health Savings Rates, APY 9. Return to Deposit Rates Menu 3. IRA Rates, APY 9. Return to Deposit Rates Menu 4. Certificate of Deposit Rates 1. Regular CD Rates, APY 2. Silver Hawk Club CD Rates, APY 9. Return to Deposit Rates Menu INVESTMENT & LOAN CALCULATIONS MENU 1. Investment Calculations Menu 1. Future Value of Single Investments 2. Future Value of Periodic Investments 9. Return to Investment & Loan Calculations Menu 2. Loan Calculations Menu 1. Installment Loan Payment 2. Home Equity Loan (HELOC) Payment 9. Return to Investment & Loan Calculations Menu CHECK VERIFICATION 1. Enter checking account number, followed by the # sign 2. Enter the check number, followed by the # sign 3. Enter the amount of the check, followed by the # sign MISCELLANEOUS INFORMATION MENU 1. Bank locations 2. Bank Business Hours 4. Details about our Silver Hawk Club 9. Return to the Main Menu 8
ELECTRONIC BANKING OPTIONS echief echief Internet Banking is our fast, easy, and secure electronic banking system where you can access accounts online 24-Hours a day. Billpay Pay bills from your PC anytime, anywhere through our echief Internet Banking with Bill Pay! Check Imaging & estatements Receive your monthly statement electronically with estatements, your monthly statement will be automatically uploaded to your echief Internet Banking account to be viewed online. estatements will: - Help make storage of your checking information neat and easy. - Make balancing your checkbook easier by having the images sorted in numerical order when you receive them. - Save you time. - Make gathering your tax information easier! Mobile Banking With the option of three major mobile access modes: SMS (text messaging), mobile browser and downloadable applications for Android, iphone and BlackBerry, your banking will be made easier! Simply enroll your phone for echief Mobile via echief Internet Banking and begin banking from anywhere today! ecorp A corporate cash management solution accessed over the Internet. This product is for businesses and organizations who desire a comprehensive and secure cash management system. ecorp offers the control and flexibility needed to optimize funds management anytime, anywhere. For more details on any of our products or services, please contact a Customer Service Representative or visit us online at www.choosethechief.com. 9
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