Important information regarding our online banking upgrade! Giving You More.

FIRST MERCHANTS Online Banking Important information regarding our online banking upgrade! Giving You More.

FIRST MERCHANTS Online Banking First Merchants is pleased to announce that on July 20th we re Giving You More through online banking and mobile banking upgrades. We believe you ll appreciate and value the enhancements. New Online Banking Financial Center We value your business, and look forward to continuing to provide you with "The Strength of Big, The Service of Small" through this investment in technology solutions. We re confident your experience will be all that you expect and more! New features include: Running balances Simpler, easier navigation More detailed information at your fingertips Enhanced security and much more! Please review this booklet as it will provide you with details regarding what's changing, timelines, and Quick Start Guides to support actions you may need to take. As always, if you have questions, we're here to help! Feel free to contact us at 1.800.205.3464. Sincerely, First Merchants www.firstmerchants.com 1 Need Help? Call 1.800.205.3464.

Timeline Please use this timeline and checklist, in addition to the following pages of important information to ensure a smooth transition of your banking needs before, during and after the weekend of July 17, when your accounts will be transferred to our new online banking system. If you have any questions regarding the following information, please call Customer Service at 1.800.205.3464. July 13, 2015: Get ready - Take Action In order to ensure your seamless, uninterrupted transition to the new system, please take a moment to update your contact information so you can easily log in to the new system. There are three easy ways to update your information so you can easily log in on July 20th. 1. Go to www.firstmerchants.com/update and enter your information 2. Visit your nearest banking center and update your information 3. Call Customer Service at 1.800.205.3464 Mon. - Fri. 7:00 a.m. - 7:00 p.m. and Sat. 9:00 a.m. - 1:00 p.m. Unenroll in ebills. You will need to set up your ebills in the new system on July 20, 2015. July 17, 18, & 19: System Outage Consumer Bill Pay will be unavailable at 8:00 a.m. ET on Friday, July 17; Consumer Online Banking and Mobile Banking will be unavailable from 5:00 p.m. ET on Friday, July 17th until 7:00 a.m. ET on Monday, July 20th for the system conversion. Be watching for an email from www.firstmerchants.com as we will be sending you a new temporary password during the weekend of July 17. Upon your first log in to online banking beginning Monday, July 20, you will enter your temporary password and be asked to change your password to one that you create and use. Mobile Banking: The current OLB Mobile app will permanently stop working on July 17 at 5:00 p.m. Please delete the Mobile App from your device. July 20, 2015: New system is live! As you do today, beginning on Monday, July 20th, log in to the new system with your new credentials through the red login box at www.firstmerchants.com. Account Balances and Transactions will display. estatements are accessible (if enrolled). Quicken connectivity is available. Bill Pay is live. Mobile Banking is available. If you utilize the ebills function you will need reenroll. See page 10. Your current BillPay payees will automatically be reloaded. If you have nicknamed your accounts, your account nicknames will not transfer to the new system. Setting up nicknames is fast and easy: Click on the Customer Service Menu and select "Customize Your Accounts" and change the descriptions. If you have set up alerts, you will need to reestablish your alert preferences by selecting the Customer Service Menu and "View my Alerts." External transfers will need to be re-enrolled on the system. Select Make an external transfer within the Pay and Transfer menu to reestablish your external transfers. If you had recurring external transfers, you can reestablish those once you have verified the test deposits. Mobile Banking: Before logging in to Mobile Banking for the first time, you will be required to log in using your desktop to establish your new password. You will use your new Online Banking username and password once you have logged in on a desktop. Your six digit PIN is no longer utilized. To begin using the new First Merchants Mobile Banking, you can download the new app and may log in anytime after 7:00 a.m. on Monday, July 20. You will find links to download a new app for your iphone, ipad, Android phones or tablets or Kindle Fire tablets at http://www.firstmerchants.com/mobileapp 2 www.firstmerchants.com 2 Need Help? Call 1.800.205.3464.

Online & Mobile Banking YOU Online Banking Manage/View Your Accounts New Financial Center provides quick navigation to your accounts and the tasks you use most New Running Balance will be populated during the first week by July 27 New New First Merchants accounts will be automatically displayed in Online Banking New Account Aggregation lets you see your total financial picture by displaying balances and transactions from accounts held at other institutions safely and securely in First Merchants Online Banking New Personal Financial Management (PFM) enables you to track every dollar through spending reports, net worth calculators and budgeting tools. Our PFM module features reports, spending categorization, and even allows you to track the value of your home all in one secure location. Make Payments New People Pay enables you to make fast and secure digital payment to anyone using their mobile phone number or email address. Use People Pay to pay the babysitter, to split the check for dinner, or send some money to a friend for their birthday! Mobile Banking Mobile App New Kindle Fire Tablet App New Higher limits for Mobile Deposit New Your mobile credentials now match your Online Banking credentials New People Pay New See scheduled and recent bill pays New Easier to login with your normal OLB credentials Function Text Banking Mobile Web Mobile App Account Balances P P P Recent Transactions P P P Transfers P P P Mobile Deposit P Bill Payments P P People Pay P P Contact Us/Help P P P Location Finder P www.firstmerchants.com 3 Need Help? Call 1.800.205.3464.

FIRST MERCHANTS Online Banking Login Guide LOGGING IN (DESKTOP) You will continue to access First Merchants Online Banking through the red "Sign In To Online Banking" box at www.firstmerchants.com beginning 7:00 a.m. ET, Monday, July 20. How you access the sign in box has not changed. Once you have entered a valid Login ID (remember they are case sensitive and the same as the previous system), you will see security options displayed upon your first login. The new system has enhanced security and utilizes either a one-time security code that you received via an automated phone call or a text message to your mobile phone. If that option doesn t work or your phone number isn t updated with us, you can answer verification questions derived from public or commercially available records to proceed. PHONE CALL VERIFICATION Click on the Continue with Security Code box and a window will display showing the phone numbers we have on file for you. If you would like an automated phone call to one of your phone numbers on record, select the phone number and hit continue. You will receive a phone call with your code. Upon receiving the call, press or say 1 to continue and enter or say the one-time security code displayed on the screen (15134 is the example on the image below). The phone call will acknowledge the code and disconnect. Next, press Phone Call Completed on your computer. Once you have completed the phone call, you will enter in your temporary password and be prompted to change your password to one that you create and use. See page 6 for more detail. www.firstmerchants.com 4 Need Help? Call 1.800.205.3464.

FIRST MERCHANTS Online Banking Login Guide continued... TEXT MESSAGE VERIFICATION If you prefer to receive a Text Message, simply select Send a text message to a mobile phone on record and select Continue. You will be prompted to enter your mobile phone number without dashes or dots including area code. Please note only phone numbers that we have on file (and that were displayed on the previous screen) are eligible to receive text messages. After hitting Send Text Message, a window will display where you will input the security code that was just texted to you. Type in the code, hit Submit, and input your temporary password. You will be prompted to change your password to one that you create and use. See page 6 for more detail. VERIFICATION QUESTIONS If you prefer to use the verification questions, click on the answer verification questions link in the Phone not available section. If your number isn t listed, please utilize the verification questions option outlined next. Enter in your First and Last name as well as your birth date and click submit. Next, four questions pulled from your public and commercially available history are displayed to validate your identify. Answer the questions and press Submit. Once you have completed the questions, you are able to enter your temporary password. You will be asked to change your password to one that you create and use. See page 6 for more detail. Please note we do not keep a record of the verification questions or answers you provide. www.firstmerchants.com 5 Need Help? Call 1.800.205.3464.

Login Guide Troubleshooting Having trouble logging in to Online Banking? Please check this list for a possible solution before calling us: Missing Company ID: The consumer online banking login box on firstmerchants.com is red. If you see a blue login box with a required company ID, click the "Not a business? Login here"" link. Incorrect Login ID: Your login ID is case sensitive and is the same as the current system. Check to make sure your caps lock key is off and any capital letters are entered in the correct case. On your first login, you should see the onetime security code screen shown on page 4. If, on that first login, you are presented a password screen after inputting your login ID, (instead of the Security Code screen shown on page 4) the login ID is not correct. Temporary Lock Out: If you enter your password incorrectly three times, you will be temporarily locked out of the Online Banking system. Please call Customer Service at 1.800.205.3464 to reset your password. Changing Your Password: When you are prompted to change your password, you're asked to enter your temporary password and a new password that you create. Your 'Old Password' is the temporary password you used to log in to the system - the password emailed to you. Passwords are also case sensitive and must include at least a letter and a number. Temporary password emailed on July 19th You create new Retype the one you just created www.firstmerchants.com 6 Need Help? Call 1.800.205.3464.

FIRST MERCHANTS Mobile Banking First Merchants Mobile Banking includes the First Merchants Mobile app, text banking, and a mobile browser option. The service is free and available to all Online Banking customers, but you must access Online Banking first before logging in to Mobile Banking for the first time. Mobile Banking for Consumers You must log in to the new First Merchants Online Banking system via a desktop, enter the temporary password emailed to you and change the password to one you will use going forward before accessing your accounts via Mobile Banking. If you bypass this step, you may be temporarily locked out. When signing in, you will use the same credentials for Mobile banking as you do for Online Banking. During your first mobile log in, for each device you will be required to authenticate yourself by answering a series of automatically generated challenge questions. Beginning July 20, please make sure to uninstall your current First Merchants Mobile app, and install the new First Merchants app (your new app icon should have a black background). The app is available for Android phones and tablets, Apple iphones and ipads, and now, also for Kindle Fire! If you would like to access your accounts via your mobile browser, visit us at m.firstmerchants.com beginning July 20. Mobile App: Now with Mobile Deposit! The First Merchants Mobile app is available for download at the App Store or Google Play. Use your Apple or Android smartphone or tablet to check balances, pay bills, transfer funds, locate banking centers/atms and much more. And thanks to the new Mobile Deposit feature, depositing checks is as simple as snapping a picture on your smartphone or tablet device. Download links are available at: https://www.firstmerchants.com/mobileapp Once you've downloaded the First Merchants app, you'll sign in using the same username and login that is for your Online Banking account. Text Banking: Our text banking service is a fast, easy way to check your accounts on the go. Check your account balance or make a quick transfer by texting commands to 49794 from the phone number you enroll in Mobile Banking. Visit firstmerchants.com/textbanking.pdf for more details. Standard text messaging rates apply, so you should check with your carrier to avoid unexpected charges. Mobile Web: Can't use the First Merchants Mobile app? First Merchants offers a mobile browser option, too. Just visit http://m.firstmerchants.com on your mobile browser to access your accounts. Google Play is a trademark of Google Inc. App Store is a service mark of Apple. Inc. www.firstmerchants.com 7 Need Help? Call 1.800.205.3464.

FIRST MERCHANTS Online Banking Quick Start Guide Basics Guide Welcome to First Merchants new Online Banking. We think you will find it very easy to navigate and utilize in your daily routine. After logging in, you are presented with a screen with several widgets that show you the info you need and give you the most used functions right at your fingertips. 1. To see recent activity on your accounts, simply click on any of the account names. A quick register will display showing the last 30 days of activity. You ll notice the addition of a running balance on this screen as well. 2. To see your current balance across your accounts, there s no need to click they are displayed right away upon logging in to make it quick and easy for you. 3.To see an overview of all accounts, click on Go to Accounts Overview. Once there, you can click on any account name to bring up the full history view. We will display up to 90 days of history initially and over the next year will be building up to a full 18 months worth of history. 4. To do a quick internal or external transfer, simply click Transfer Funds in the Money Center widget. 5. You can pay a bill in less than 30 seconds by clicking on Pay Bills, also in the Money Center. To learn more about bill pay, simply go to the next page. 6. Finally, any time you would like to return home to this screen, simply click the Financial Center link at the top left of the application. 6 1 2 4 5 3 www.firstmerchants.com 8 Need Help? Call 1.800.205.3464.

Bill Pay Guide FIRST MERCHANTS Online Banking Quick Start Guide First Merchants Bill Pay offers a safe and secure way to pay all of your bills. Pay a bill that has already been paid before Click on Pay Bills in the Money Center Select the Pay From account and the Pay To recipient Select the amount and the date you would like it to arrive Click Continue and Make Payment It s that easy to make a bill payment in less than 30 seconds! Pay a bill to someone new Click on Pay Bills in the Money Center Click Add a new person or business to pay Type their name in to the Pay Someone New box and press Add If the biller is already in our system for electronic payments, the system will ask you for additional information such as an account number. If it's a biller that receives checks, the system will ask you for their address info and your account number. Click Continue and Make Payment www.firstmerchants.com 9 Need Help? Call 1.800.205.3464.

ebill Guide Unenroll your current ebills now To ensure uninterrupted delivery of the bills you have delivered through Bill Pay/eBills in the current OLB system, please unenroll your current ebills today. Completing this task is quick and easy! In your Online Banking account, from the Payment Menu, click on the Make a Payment box 1. ebills you currently have set up include an icon to the left entitled, Bill 2. Click on the Manage My Bills tab 3. From My Bills dropdown box choose the ebill you will unenroll 4. Choose the Stop an e-bill option and from the pop-up box, click on the Stop Receiving This E-bill option 5. Unenroll each ebills you are currently receiving. You can reenroll your ebills in the new Online Banking system beginning July 20. Set up ebills in new system beginning July 20 Once you input the information for an electronic biller, we welcome you to setup ebills which makes paying bills even easier. Just click on the link in the confirmation screen (shown below). Another option to setup ebills is by clicking the setup link underneath the account name. You can also set up reminders and convenient auto-pays there as well. 2 1 4 3 5 Unenroll your current ebills today! You may not receive a paper bill for up to 60 days depending on the biller processes. We recommend that you make a note of the due dates and contact any billers if you have not received a paper bill on your regular billing cycle. www.firstmerchants.com 10 Need Help? Call 1.800.205.3464.

200 E. Jackson St. Muncie, IN 47305 POSTMASTER PLEASE DELIVER IN HOMES 7/12/2015-7/14/2015. Giving You More. 800.205.3464 firstmerchants.com