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SSB Conversion Catalog Flipbook PDF

SSB Conversion Catalog

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WELCOME

WELCOME TO BUSEY!

Growing Forward, Together Busey is honored to partner with South Side Bank—deepening roots in the Peoria Tri-County area to better serve our 4 Pillars—associates, customers, shareholders and communities. As we grow forward, together, Busey and South Side Bank are pleased to expand upon shared values, beliefs and a commitment

As we welcome you to Busey, we are commit dedicated to helping you achieve your ﬁnanc can expect in the coming weeks to help make as possible―including key dates, account des and services, which blend the best of both Bu Please review this information carefully.

Over the next few weeks, you will receive spe bill pay and your credit card. If you have any q terms outlined in the enclosed materials, plea Busey’s conversion assistance line at 309.495

We look forward to partnering with you and th your unique ﬁnancial needs. For more inform oﬀerings, visit us in person or online at busey

to customer service, lasting relationships and community, while providing you with an expanded array of personal, business and wealth management solutions.

For more information on the upcomi Conversion Webinar, please v

WELCOME TO BUSEY!

As we welcome you to Busey, we are committed to exceeding your needs and dedicated to helping you achieve your ﬁnancial goals. This booklet outlines what you can expect in the coming weeks to help make your transition to Busey as seamless as possible—including key dates, account descriptions and disclosures for products and services, which blend the best of both Busey and South Side Bank’s oﬀerings. Please review this information carefully. Over the next few weeks, you will receive speciﬁc information about online banking, bill pay and your credit card. If you have any questions about your accounts or the terms outlined in the enclosed materials, please contact your local banker or call Busey’s conversion assistance line at 309.495.4300. We look forward to partnering with you and thank you for the opportunity to serve your unique ﬁnancial needs. For more information about Busey’s outstanding product oﬀerings, visit us in person or online at busey.com today.

For more information on the upcoming conversion or to join a Customer Conversion Webinar, please visit busey.com/welcomesouthside.

TABLE OF CONTENTS Map of Peoria Tri-County Area Locations . . . . . . . . . . . . . . . . . . . . . 2 Additional Locations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 About Busey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Conversion Highlights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Conversion Weekend Details. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Important Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Account Access . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Personal Checking Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Personal Savings Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Personal Lending Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 Business Checking Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 Business Savings Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 Commercial & Small Business Solutions . . . . . . . . . . . . . . . . . . . . .25 Wealth Management Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26

Busey. Your Dream. Our Promise. 1

88 29 89

MAP OF17PEORIA TRIꢀCOUNTY LOCATIONS 78

39

17

Stark Marshall

Peoria Woodford

Knox

Peoria Fulton

Tazewell Locations and Hours as of March 17, 2018 1. Bartonville

1400 W. Garﬁeld Ave. Bartonville, IL 61607

Mon–Thu 8:30 am – 5 pm, Fri 8:30 am – 6 pm, Sat 8:30 am – 12:30 pm

125

Mon–Thu 8:30 am – 5 pm, Fri 8:30 am – 6 pm, Sat 9 am – 12:30 pm

6. Pekin Main 33 S. 4th St. Pekin, IL 61554

3. East Peoria 118 Cole St. East Peoria, IL 61611

7. S.W. Adams 2119 S.W. Adams St. Peoria, IL 61602

97

Mason

4. Hamilton 414½ Hamilton Blvd. Peoria, IL 61602

Oakford

Mon–Fri 8 am – 5 pm

Menard

155

Mon–Fri 9 am – 5 pm

29

8. Sheridan 4520 N. Sheridan Rd. Peoria, IL 61614

Greenview

Mon–Thu 8:30 am – 5 pm, Fri 8:30 am – 6 pm, 55 Sat 8:30 am – 12:30 pm

10. Washington 2 Saint Clare Ct. Washington, IL 61571

Mon–Thu 8:30 am – 5 pm, Fri 8:30 am – 6 pm, Sat 8:30 am – 12 pm

Mon–Fri 9 am – 5 pm, Sat 9 am – 12 pm

Mon–Thu 8:30 am – 5 pm, Fri 8:30 am – 6 pm, Sat 8:30 am – 12:30 pm

Mon–Thu 8:30 am – 5 pm, Fri 8:30 am – 6 pm, Sat 8:30 am – 12 pm

9. Veterans Drive 3200 Veterans Drive Pekin, IL 61554

5. Northpoint 8919 N. Knoxville Ave. Peoria, IL 61615

2. Chillicothe 917 N. Fourth St. Chillicothe, IL 61523

Bath

inia2

Pekin

Logan 10

11. West Peoria 2427 W. Rohmann Ave. West Peoria, IL 61604

Mon–Thu 8:30 am – 5 pm, Fri 8:30 am – 6 pm, Sat 8:30 am – 12:30 pm

10 12. Willow Knolls 4100 W. Willow Knolls Rd. 121 Peoria, IL 61615

Broadwell

Mon–Thu 8:30 am – 5 pm, Fri 8:30 am – 6 pm, Sat 9 am – 2 pm

Mon–Thu 8:30 am – 5 pm, Fri 8:30 am – 6 pm, Sat 8:30 am – 12:30 pm 54

Petersburg

Visit busey.com and navigate to Locations & Hours to ﬁnd additional branch locations and ATMs.

Tallula

Williamsville 54

Ke

Mount Pulaski 121

ADDITIONAL LOCATIONS! McLean/Livingston Market

Champaign/Ford Market

Florida Market

909 Kirby 909 W. Kirby Ave. Champaign, IL 61821

Del Prado 2524 Del Prado Blvd. Cape Coral, FL 33904

Campus 614 S. Sixth St. Champaign, IL 61820

North Port 14803 Tamiami Trl. North Port, FL 34287

Gibson City 402 N. Sangamon Ave. Gibson City, IL 60936

Port Charlotte 1490 Tamiami Trl. Port Charlotte, FL 33948

Mahomet 312 E. Main St. Mahomet, IL 61853

Punta Gorda 2815 Tamiami Trl. Punta Gorda, FL 33950

Paxton 140 W. Center St. Paxton, IL 60957

Summerlin 7980 Summerlin Lakes Dr. Veterans 1111 S. Veterans Pkwy. Fort Myers, FL 33907 Bloomington, IL 61701 Indiana Market Northern Illinois Market Carmel Braidwood 11550 N. Meridian St. 130 N. Washington St. Ste. 100 Braidwood, IL 60408 Carmel, IN 460322

Rantoul 1231 E. Grove Ave. Rantoul, IL 61866 St. Joseph 104 N. Main St. St. Joseph, IL 61873 Springﬁeld & Country Fair 2011 W. Springﬁeld Ave. Champaign, IL 61821 Springﬁeld & Randolph 314 S. Randolph St. Champaign, IL 61820 The Pines 2710 S. Philo Rd. Urbana, IL 61802 Tolono 128 E. Holden St. Tolono, IL 61880 University 100 W. University Ave. Champaign, IL 61820

Macon/Shelby Market Decatur Main 130 N. Water St. Decatur, IL 62523 Mt. Zion Plaza 2070 S. Mt. Zion Rd. Decatur, IL 62521 North 2505 N. Water St. Decatur, IL 62526 Shelbyville 200 W. Main St. Shelbyville, IL 62565

College 201 W. College Ave. Normal, IL 61761 Fairbury 115 N. Third St. Fairbury, IL 61739 LeRoy 301 E. Cedar St. LeRoy, IL 61752 Parkway 2101 N. Veterans Pkwy. Bloomington, IL 61704

Burr Ridge 7020 County Line Rd. Burr Ridge, IL 60527 Channahon 25407 S. Bell Rd. Channahon, IL 60410 Diamond 2315 E. Division St. Coal City, IL 60416 Homer Glen 13901 S. Bell Rd. Homer Glen, IL 60491 Joliet 2801 Black Rd. Joliet, IL 60435

Urbana 201 W. Main St. Urbana, IL 61801

Mazon 606 Depot St. Mazon, IL 60444

Windsor & Duncan 3002 W. Windsor Rd. Champaign, IL 61822

Naperville 24 W. Gartner Rd. Ste. 104 Naperville, IL 60540

St. Louis Market Ballwin 14446 Clayton Rd. Ballwin, MO 63011 Bayless 4226 Bayless Ave. St. Louis, MO 63123 Chesterﬁeld 17701 Edison Ave. Chesterﬁeld, MO 63055 Clayton 175 Carondelet Plz. Clayton, MO 63105 Creve Coeur 12300 Olive Blvd. Creve Coeur, MO 63141 DeBaliviere 415 DeBaliviere Ave. St. Louis, MO 63112 Downtown STL 900 Olive St. St. Louis, MO 63101 Hazelwood 8008 N. Lindbergh Blvd. Hazelwood, MO 63042 Maryland 10 Maryland Plz. St. Louis, MO 63108 O’Fallon 1700 O’Fallon Rd. St. Charles, MO 63304 Richmond Heights 6510 Clayton Rd. Richmond Heights, MO 63117 South Grand 3760 S. Grand Blvd. St. Louis, MO 63118 St. Charles 1928 Zumbehl Rd. St. Charles, MO 63303

Plainﬁeld 14150 S. U.S. Route 30 Plainﬁeld, IL 60544

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ABOUT BUSEY

150 Years of Strength and Service With 150 years of strength and service, Busey knows the importance of a lasting promise. A promise to help generations of families own homes, attend college and retire worry free. Building on a longstanding tradition of close relationships and broad ﬁnancial capabilities, Busey is large enough to provide innovative products and services, while making local decisions and knowing customers by name—a true community organization committed to the growth and prosperity of the places we’re proud to call home. We have come a long way since 1868, yet Busey’s core values—dedicated associates, strong customer partnerships and thriving communities—are still cornerstones today. As we look towards the future, Busey is as dedicated to fulﬁlling customers’ needs today as when we ﬁrst opened our doors 150 years ago.

Managing All Your Financial Needs From outstanding product oﬀerings to committed, service-driven associates, Busey enhances your overall ﬁnancial relationship through a broad array of ﬁnancial solutions— including personal, business and wealth management—oﬀering you an expanded depth and breadth of expertise paired with our promise of service excellence. Busey is a leading ﬁnancial institution—consistently rated 5-Star Superior by the nation’s leading bank rating service BauerFinancial. With conveniently located branches serving Illinois, Florida, Indiana and Missouri, surcharge-free access to 25,000+ ATMs and a progressive ﬁnancial management hub of mobile and online services, securely managing your ﬁnances is easy—anytime, anywhere. Our ﬁve lines of business—personal, mortgage, commercial, cash management and wealth management—work together as One Busey to meet all your ﬁnancial needs with conﬁdence. Customers who partner with us are rewarded with the Busey Advantage— regional capabilities and local priorities. It’s a commitment that has stood the test of time. At Busey, we promise to help you navigate your unique ﬁnancial journey. Our experts have the knowledge and resources to serve your ﬁnancial needs, whatever they might be. Visit us at busey.com, or stop by one of our many convenient locations to see how Busey can make your money work hard for you.

Member

FDIC

4

CONVERSION HIGHLIGHTS ➤ Customer Conversion Support You can expect the same premier service by community-minded associates and have additional support when you need it! Busey’s conversion assistance line 309.495.4300 is staﬀed by highly trained associates and oﬀers support Monday - Friday from 7:30 am to 6 pm and Saturday from 8 am to 2 pm with extended hours over conversion weekend (see Conversion Weekend Details on page 6). To ensure you are equipped and supported through this transition, we will oﬀer web-based conversion preparedness sessions. Look for more information on busey.com/welcomesouthside. ➤ Enhanced Products and Services Busey promises to make your banking hassle free. From our outstanding product oﬀerings and dedicated associates to our progressive ﬁnancial management hub of mobile and online services—from Mobile Deposit and Online Banking to eStatements, Bill Pay, Popmoney and more—you can securely manage your ﬁnances anytime, anywhere. See pages 13-26 to learn more. ➤ Debit and Credit Card Information Please continue using your South Side Bank Visa® Debit Card. On March 19, South Side Bank business and consumer card limits will convert to Busey’s daily limits—$2,000 for consumer card purchases, $5,000 for business card purchases and $500 at the ATM. See page 9 for more information. Continue using your South Side Bank Credit Card with no interruption. Please be aware credit cards will not be available for overdraft protection beginning March 16. Detailed information about your credit card will come in early March.

For more information on the upcoming conversion, please visit busey.com/welcomesouthside

Busey. Your Dream. Our Promise. 5

CONVERSION WEEKEND DETAILS Thursday, March 15 – Monday, March 19 Thursday, March 15

Friday, March 16

Saturday, March 17

Sunday, March 18

Monday, March 19

Closed

Open normal hours

BRANCHES Open normal hours

Open normal hours

Open normal hours Last day to bank at the following locations: • 7810 N. Route 91 Peoria, IL 61615 • 405 N. William Kumpf Blvd. Peoria, IL 61605 • 6699 N. Sheridan Rd. Peoria, IL 61614 • 2900 Court St. Pekin, IL 61554 • 101 S.W. Adams St. Peoria, IL 61602

BILL PAY Begin using Busey Bill Pay; see page 8

Last day to access South Side Bank Bill Pay. If needed, print all payees and payment history. CONVERSION SUPPORT AVAILABLE AT 309.495.4300 Available during normal hours, 7:30 am – 6 pm CST

Available during normal hours, 8 am – 2 pm CST

Available special hours on Sunday, 12 pm – 5 pm CST

Available extended hours, 7:30 am – 8 pm CST

ONLINE BANKING Last day to use South Side Bank online banking

Begin using Busey’s online banking systems – ebank and Business Access @ Busey; see page 10 TELEPHONE BANKING

Last day to use South Side 24-Hour Account Information Line

6

Begin using Busey’s Anytime Line; see page 8

IMPORTANT INFORMATION ➤ Account Fees If you currently have a Kasasa account with South Side Bank, your account will convert to a custom account at Busey. Please refer to the separate Kasasa letter for detailed information about potential fees. For all other personal accounts, monthly maintenance fees will be waived through April 30. Everyday Savings fees will be waived through March 31. Please refer to the enclosed Disclosures & Privacy Policy guide for a complete listing of our fees. ➤ Account Numbers Most account numbers will remain the same. In the event a new account number is necessary, we will contact you directly. ➤ Account Routing Numbers As of March 19, your routing number will be 071102568. We’ll send a Notice of Change to the companies with whom you have established automatic payments or deposits, advising them to update your account information. Companies may contact you to confirm this change. We recommend you contact anyone with whom you have established automatic payments or deposits and advise them to update your bank name and routing number between March 19 and April 18 to ensure uninterrupted service. Please note payments will not process if updates are made before March 16. If you would like assistance updating your account information, please contact your local banker. ➤ Account Statements You will notice changes to the appearance of your monthly statement and account notices. Customers will receive a final South Side Bank statement generated on March 16. This special paper statement will include payment of all earned interest, and no fees will be assessed. Your next statement will be issued by Busey, and your statement schedule will remain the same. Please note if your regular statement date falls on March 14-15, you will receive your final South Side Bank statement on March 16. If you currently receive a free paper statement, this benefit will continue. For those who pay a paper statement fee, you will notice a reduced monthly fee of $2 beginning March 16. Check images are not traditionally included in paper statements, but are available online. If you would like images of checks with your checking account paper statement, please contact your local banker through June 30.

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IMPORTANT INFORMATION CONTINUED

➤ Annual Statements/Notices for Individual Retirement Accounts (IRAs) You will continue to receive an end of year IRA statement. Current IRA information will be available on Busey ebank, or if you have a Busey checking account, you may request a monthly combined statement where this information will appear. You may notice a slight change to the way your IRA number appears on your statement. If your IRA matures after March 16, you will receive your maturity notice approximately three weeks prior to renewal. ➤ Anytime Line You may access South Side Bank’s 24-Hour Account Information Line through Friday, March 16. Beginning on Monday, you will be automatically enrolled in Busey’s telephone banking system, Anytime Line, available at 1.800.672.8739. For more information about using this service, please see page 14. ➤ Automatic Payments Over Conversion Weekend Beginning March 19, Busey will process your existing direct deposits and recurring payments through your Busey account. If you have an automatic payment scheduled for March 17, 18 or 19, it will be processed on Friday, March 16. If the early processing of this payment results in a fee, you will receive a refund if applicable. Please call us at 309.495.4300 with any concerns. ➤ Bill Pay If you currently use South Side Bank’s Online Bill Pay, you will automatically be enrolled in Busey Bill Pay. Detailed information will be provided in a separate communication in early March. If you have questions or concerns about Bill Pay, please call our conversion assistance line at 309.495.4300.

8

IMPORTANT INFORMATION CONTINUED

➤ Debit Cards Please continue using your South Side Bank Debit Card. On March 19, South Side Bank business and consumer card limits will convert to Busey’s daily limits—$2,000 for consumer card purchases, $5,000 for business card purchases and $500 at the ATM. As your card approaches expiration, it will be replaced with a Busey Debit Mastercard®. ➤ FDIC Insurance Rest assured your deposits will continue to be insured according to FDIC deposit rules. The standard maximum deposit insurance amount is $250,000 per depositor per insured depository institution for each account ownership category. If you currently have deposits at Busey in addition to your accounts at South Side Bank, your deposits will be separately insured for six months. CDs at each bank will be separately insured until the first maturity date after the combination of the banks. If you have questions regarding your coverage, please contact your banker for a complimentary review or visit FDIC.gov. ➤ Health Savings Accounts (HSAs) Your existing HSA will convert to Busey’s HSA with all fees waived. Continue to use your HSA checks and debit card. ➤ Kasasa South Side Bank terminated its relationship with Kasasa in 2017. All benefits associated with Kasasa rewards programs will discontinue as of March 2018. All Kasasa accounts will convert to a custom account at Busey. Please refer to the separate Kasasa letter for detailed information. ➤ Lawyer Trust Funds Your Lawyer Trust Fund will now be referred to as a Business Interest on Lawyers Trust Account (IOLTA). Your accounts will continue under the same terms and conditions.

Busey. Your Dream. Our Promise. 9

IMPORTANT INFORMATION CONTINUED ➤ Loans and Lines of Credit While you will notice a few enhancements to your statement and notices, there will be no change to the terms of your loan or line of credit. Mortgage Periodic Statements will be produced on the 18th of the month. Automatic deductions for payments on your loan will continue with no disruption. You may continue to use your current coupon book and remit your payment with no change. Going forward, you will receive a monthly notice in lieu of a coupon book. If you have already established overdraft protection through these lines of credit, this will transfer automatically with no action needed on your part. Please be aware there will be a $10 fee per transfer. In addition, your loan account number on your statement and checks may change slightly. We will send complimentary checks for your Busey Home Equity Line of Credit (HELOC) the week of March 12. ➤ Online Banking South Side Bank business and consumer online banking will be available through Friday, March 16. Beginning on Monday, March 19, you will have access to Busey’s online banking systems—ebank and Business Access @ Busey. You will receive additional communication with your login credentials in early March. ➤ Overdraft Program If you currently have overdraft protection through South Side Bank, you will be automatically enrolled in Busey’s Overdraft Advantage® program. Your overdraft limit(s) will not change through April but will convert to Busey’s variable overdraft limits in May based on your deposit and transaction history. If an account is overdrawn for 10 consecutive days, a one-time $25 extended overdraft fee will be assessed. Please note overdraft notices will appear different. The items that overdraw your accounts will be visible on your statement—you will see the transaction that overdrew your account, the associated NSF fee and a credit if the item was returned. For complete information on our overdraft policies, see page 25 in the disclosure booklet. Important note: Overdraft protection will no longer be available through South Side’s Visa Credit Card. However, additional options are available for overdraft protection: ∙ Pre-Authorized Transfers Busey offers pre-authorized transfers to cover overdrafts. To help minimize fees, we transfer funds in increments of $100 for a $10 per transfer fee. Please note if you have an existing pre-authorized transfer, this will convert to Busey. ∙ Ready Credit For customers who want cash readily available for overdraft protection and other expenses, Ready Credit may be an option. Contact your local banker to learn more.

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IMPORTANT INFORMATION CONTINUED ➤ Personal and Business Checks You may continue to use your existing South Side Bank checks. Busey partners with Deluxe―our preferred check provider―for check orders. To place a check order with Deluxe, you can order through Busey ebank or stop by your local branch for assistance. If you wish to order checks from a different provider, please be sure to update your bank routing number. ➤ Safe Deposit Boxes You will keep your current safe deposit box and your existing key. For billing purposes, you will notice your safe deposit box account number will change. This will not change your box number. Going forward, you will receive a billing statement in the middle of the month prior to your safe deposit box anniversary date. The new fee structure outlined below will take effect in April:

Box Size

Charge

3x5

$25.00

5x5

$35.00

3 x 10

$45.00

5 x 10

$65.00

10 x 10

$110.00

Key Deposit: $20 Late Payment Fee: $5 after 30 days Drilling Fee: $125

Busey. Your Dream. Our Promise. 11

IMPORTANT INFORMATION CONTINUED

➤ Wire Transfers As of March 17, there will be new instructions for domestic and international wire transfers, outlined below. Incoming Domestic Wire Beneficiary Bank: Busey ABA Number: 071102568 Address: 100 W. University Ave., Champaign, IL 61820 Incoming International Wire Beneficiary Bank: Busey SWIFT/BIC Code: BUYEUS44 ABA Number: 071102568 Address: 100 W. University Ave., Champaign, IL 61820 To minimize posting delays over conversion weekend, please ensure wires are received by March 15. As of the close of business on March 16, international wires sent via the current South Side Bank international wiring instructions will no longer be valid and will be rejected. Please refer to pages 8-9 in the disclosure booklet for a complete list of fees.

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ACCOUNT ACCESS Access your money. Anytime, anywhere.

Busey ebank with eStatements Securely manage your Busey relationship 24/7 with Busey ebank.

Busey Mobile App with Mobile Deposit Log in with just a touch* to ﬁnd the nearest Busey branch or ATM, deposit checks, view balances, transfer funds and pay your bills from your smartphone or tablet. * Touch ID is available on iPhone 5s or later, MacBook Pro, iPad Pro, iPad Air 2, or iPad mini 3 or later versions. Finger Print ID is available on Android phones with a ﬁngerprint scanner and the Android 6.0 Marshmallow operating system.

Extensive ATM Network Continue to enjoy surcharge-free access to more than 25,000 ATMs nationwide in the MoneyPass network today—including more than 3,380 in Illinois, Indiana, Missouri and Florida.

In Store Use your debit card for purchases at thousands of stores nationwide and request cash back—fee free!

Busey. Your Dream. Our Promise. 13

ACCOUNT ACCESS CONTINUED

Anytime Line Call the Anytime Line at 1.800.672.8739 to keep tabs on your accounts, transfer funds and manage your debit card. Instructions for initial access: Call 1.800.672.8739 and press 1 for the Anytime Line • Press 1 for English or 2 for Spanish • Press 5 to set your PIN • Enter your account number followed by pound (#) ∙ If this is a checking account press 1 ∙ If a savings press 2 ∙ If a CD press 3 ∙ If a loan press 4 • Enter the last 4 numbers of your SSN and press # • Enter a new 4 digit PIN—this can’t be the last 4 of your SSN or the same number 4 times (1111, 2222, etc.) • To verify, enter your new PIN again followed by pound (#)

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PERSONAL CHECKING SOLUTIONS Beneﬁts associated with your South Side Bank checking accounts will change and will convert to one of the products listed below. Important note: If you currently have a Kasasa account with South Side Bank, your account will convert to a custom account at Busey. This product will not be available for new accounts. Please refer to the separate Kasasa letter for detailed information. For all other personal accounts, monthly maintenance fees will be waived until April 30. Everyday Savings fees will be waived through March 31. Please refer to the enclosed Disclosures & Privacy Policy guide for complete terms and conditions for each account. All accounts receive complimentary access to Busey’s progressive ﬁnancial management hub of online services, including ebank with eStatements.

Foundation Checking • No monthly fee with either a direct deposit or average balance of $100; otherwise, a $5 monthly maintenance fee will be assessed • Debit Mastercard

Connection Banking • $5 monthly maintenance fee reduced by $0.20 for each debit card transaction processed during the statement cycle (excludes ATM transactions) • Debit Mastercard

Senior Checking • Busey offers Senior Checking as a no frills option for customers age 65 or older. Senior Checking requires no minimum balance and limited features

Busey. Your Dream. Our Promise. 15

PERSONAL CHECKING SOLUTIONS CONTINUED

Pillar Banking—our ﬂagship account • No monthly fee with either $3,000 daily minimum balance, or $10,000 on deposit in any combination of other checking, savings, money market balances; otherwise, pay a $12 monthly maintenance fee • Interest earned daily at a tiered rate when minimum balance is maintained; interest paid monthly • Free specialty blue checks or $5 oﬀ any design • 25% discount on any safe deposit box rental • Oﬃcial checks at no charge • Rate increase available on standard CD products upon request • Debit Mastercard

Pillar Club Pillar Banking accountholders—welcome to your Pillar Club! Watch for your next edition of The Pillar ﬁnancial magazine for issues that matter most to you, your family and your ﬁnancial future, exploring ﬁnancial trends and timely topics.

Important Note: On March 19, beneﬁts associated with the Advantage 50+ Club will change and convert to Busey’s Pillar Club. Please see the letter sent in January outlining these changes.

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PERSONAL CHECKING SOLUTIONS CONTINUED Capital Checking • No monthly fee with ﬁve processed transactions per statement cycle and the required daily minimum balance of $1,000; otherwise, a $10 monthly maintenance fee will be assessed • Interest earned daily, at a tiered rate, when minimum balance of $1,000 is maintained; interest paid • Debit Mastercard

Capstone Checking Enjoy all the Pillar Banking beneﬁts (see page 16) plus: • No monthly fee with either $10,000 daily minimum balance in Capstone Checking and $100,000 in combined checking, savings and/or money market account balances, or $500,000 in wealth management assets; otherwise, a $30 monthly maintenance fee will be assessed • Free specialty blue checks or $10 oﬀ any other design • Free 3x5 safe deposit box or 50% discount oﬀ all other sizes

Interested in additional Busey solutions? We’re pleased to oﬀer a complimentary account review to discuss your unique banking needs.

Busey. Your Dream. Our Promise. 17

PERSONAL SAVINGS SOLUTIONS

Everyday Savings Busey’s Everyday Savings account is the perfect savings account for your general savings needs and a great way to set aside a little something for a rainy day! Access your funds 24 hours a day through Busey ebank or the Busey Mobile App, our safe and secure—and free—online banking. • Earns interest • No monthly maintenance fee with a $300 daily minimum balance; otherwise, a $3 monthly maintenance fee is assessed • Quarterly statement; monthly statement available when linked to a checking account • Three free withdrawals per month; $1 fee for each additional withdrawal The Everyday Savings account may also be opened for minors with the minimum monthly balance requirement waived until the minor reaches age 21. Important Note: Everyday Savings maintenance fees will be waived until March 31. Interest is compounded and credited on the last day of the calendar quarter.

Cornerstone Savings An exclusive account available to active Pillar Banking or Capstone Checking customers.

Holiday Club Account Set aside money in an interest bearing account just for the holiday season. This account gives you the ﬂexibility to add as much or as little as you would like throughout the year for your holiday purchases. • No minimum balance requirement • Deposits made monthly by automatic transfer from your Busey checking account • Interest paid and funds automatically transferred to your checking account on October 20 of each year

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PERSONAL SAVINGS SOLUTIONS CONTINUED Money Market After you’re accustomed to saving money and have accumulated a larger balance, you may want to step up to this account and earn a higher interest rate. This account offers limited check writing ability along with tiered interest rates. • Interest paid monthly at a tiered rate based on balance • No monthly maintenance fee if you maintain the minimum daily balance of $2,500; otherwise, a $15 monthly maintenance fee is assessed • Six check or preauthorized transfers per monthly statement cycle; $6 fee for each additional check or preauthorized transfer • Unlimited in-person withdrawals

Pillar Money Market Available only to Pillar Banking and Capstone customers, the Pillar Money Market oﬀers higher interest rates. • Must have an active Pillar Banking or Capstone Checking account • Interest paid monthly at a tiered rate based on balance • No monthly maintenance fee if you maintain the minimum daily balance of $2,500; otherwise, a $15 monthly maintenance fee is assessed • Six check or preauthorized transfers per monthly statement cycle; $6 fee for each additional check or preauthorized transfer • Unlimited in-person withdrawals

Certiﬁcates of Deposit (CDs) CDs help investors pursue their investment needs and goals while also providing safety of principal. Busey offers a wide range of CD terms and competitive interest rates. Important Note: Your existing CDs and IRAs will adjust to Busey interest rates, compounded accrual schedule, early withdrawal penalties and maturity terms on the ﬁrst renewal date after March 16.

Busey. Your Dream. Our Promise. 19

PERSONAL SAVINGS SOLUTIONS CONTINUED

Want to build your savings by swiping your debit card?

Consider enrolling in BIG CHANGE! BIG CHANGE allows you to save a little bit every day—eﬀortlessly. Add BIG CHANGE to your checking account, and simply swipe your debit card, sit back and watch your savings account grow! Every time you use your debit card, the transaction is rounded up to the next nearest dollar. At the end of the day the total amount from all your transactions is automatically transferred to your preferred savings or money market account. BIG CHANGE can be added to any personal checking account and transferred to any personal savings or money market account on which you are also an owner. • Both PIN and signature transactions qualify • BIG CHANGE can be used with minor and holiday savings accounts • BIG CHANGE from and to accounts are combined onto one statement, so the transfers are clear

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PERSONAL LENDING SOLUTIONS At Busey, we promise to help you ﬁnd the ﬁnancing solution that is best for you, which is why we oﬀer an extensive line of consumer loan products including personal loans, home equity loans, mortgage loans, auto loans and boat loans. Whatever the project or purchase, your Busey banker will help you ﬁnd the loan that’s right for your situation.

Mortgage Loans

Home Equity Loan

Home. There’s no place like it. Our competitive rates, personal service, wide variety of ﬁnancing options and quick approval process make ﬁrst time home mortgages or reﬁnances simple and convenient. Visit our mortgage loan center at buseymortgage.com for more information about buying a home, home ﬁnancing calculators and an online application and approval process.

Need one-time ﬁnancing? Put the equity in your home to work for you, and enjoy peace of mind with a ﬁxed interest rate and monthly payment. Securing a Home Equity Loan allows you to use the equity in your home for large purchases or to consolidate debt, turning your equity into cash.

Home Equity Line of Credit (HELOC) Put your most valuable asset to work for you with Busey’s HELOC. Securing a HELOC gives you ﬂexibility and convenience, and can even save you money! • Readily available cash for immediate and future needs, such as debt consolidation, college tuition, vacation, emergencies or home improvements • Flexible payments • Flexibility of continual use of funds

• Ideal for education, vacation, debt consolidation or home improvement needs • Perfect to help you pay off higher interest rate credit card balances and personal loans to save money every month

Personal Installment Loan Busey oﬀers an array of installment loans to meet your needs. Whether you need an auto loan to purchase your dream car or a short-term loan for unexpected emergencies, we can provide the loan that is right for you. Get the financing you need for a new or used vehicle (auto, truck, boat, motorcycle) and enjoy: • Competitive rates • Fixed installment payments

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BUSINESS CHECKING SOLUTIONS

Business Interest Checking A special commercial account for certain qualiﬁed entities, including sweeps, with no fees. Please contact a member of the Cash Management team at 217.365.4600 with inquires.

1st Choice Business Checking Perfect for the business customer with modest transaction volume. Rely on Busey’s 1st Choice Checking to meet the ﬁnancial needs of your business so you can focus on what you do best— running your growing business. • No minimum balance and no monthly maintenance fee • No transaction fee for the first 250 items; transactions in excess of 250 are $0.45 per item • Debit Mastercard

Business Analysis Checking With Busey’s Analysis Checking, customers can offset fees and service charges by maintaining compensating balances. Your pricing and fee agreement with South Side Bank will continue with Busey. Going forward, you will receive two statements―a traditional, monthly statement delivered as usual, and a separate analysis statement, including all transaction activity fees delivered electronically on the 15th of the month.

Small Business Interest Checking Make your money work for you. Earn interest on your funds with Small Business Interest Checking. • No minimum balance • $10 monthly maintenance fee • Per item fees: ∙ $0.12 per deposited item ∙ $0.15 per debit/credit item (including deposit ticket) • Debit Mastercard

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BUSINESS CHECKING SOLUTIONS CONTINUED Non-Proﬁt Checking An aﬀordable and simple account for non-proﬁt businesses. • No minimum balance requirement • 200 transactions without a fee; a $.50 fee applies per additional debited or deposit items • eStatements required

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BUSINESS SAVINGS SOLUTIONS

Everyday Savings You know the value of putting your money to work for you. Our Everyday Savings account oﬀers you the peace of mind of knowing your money is safe and the convenience of easily accessing your funds.

Business and Small Business Money Market Busey oﬀers competitive rates on your savings with our Business and Small Business Money Market accounts. You will earn a higher interest rate on your savings while maintaining easy access to your funds.

Business Certiﬁcate of Deposit (CDs) Busey oﬀers a variety of maturity options and competitive rates to provide you with higher returns. Important Note: Your existing business CDs will adjust to Busey interest rates, compounded accrual schedule, early withdrawal penalties and maturity terms on the ﬁrst renewal date after March 16.

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COMMERCIAL AND SMALL BUSINESS SOLUTIONS With Busey, you gain a top partner for your business’s bottom line. Our participation in a wide variety of specialized programs allows us to tailor lending packages to your unique situation. Regardless of the size of the loan, a credit decision will be made quickly by a partner who knows you and your business. Busey is also able to streamline the loan process for small business owners and entrepreneurs through our SBA Preferred Lender Program (PLP) status—the highest lending designation awarded by the Small Business Administration—and SBA Express Designation. We understand cash ﬂow is the lifeblood of your business. Busey provides the assistance and answers you need to keep your business successful and nimble. Whether you need help with receivables, payables, liquidity or information reporting, we will customize your cash management solution to the needs of your growing business. Why choose Busey for your business? It’s simple—because serving businesses and entrepreneurs is what we do and have done for 150 years. We have an array of specialties and experience, ensuring you have a partner who truly understands the way your business operates and knows the challenges you face. To learn more about our oﬀerings, visit busey.com/home/business.

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WEALTH MANAGEMENT SOLUTIONS

Busey Wealth Management knows the importance of envisioning and planning for your future. For nearly a century, generations of families have relied on our wealth management expertise, beneﬁting from a partnership with our experienced team of nearly 90 professionals, including nearly 40 with advanced designations such as Chartered Financial Analyst® charterholders, Certiﬁed Public Accountants, CERTIFIED FINANCIAL PLANNER™ practitioners, Certiﬁed Trust & Financial Advisors, attorneys, Chartered Retirement Plans Specialists and Qualiﬁed 401(k) Administrators. With $5.9 billion in assets under care, Busey Wealth Management is ranked in the top 10 percent of wealth ﬁrms nationally and is the third largest headquartered in downstate Illinois. At Busey Wealth Management, we provide a holistic approach to ﬁnancial planning—helping to meet the ever-changing needs of today’s families. With your future in focus, our Investment Team is dedicated to navigating ﬁnancial markets and determining optimal investments for your success. Our highly skilled and motivated investment professionals are committed to actively monitoring your portfolio—managing assets for families, endowments, foundations and corporations. Whether you want to retire, pay for your child or grandchild’s education, spend more time traveling or take your business to the next level, the professionals at Busey Wealth Management provide expert advice and individualized solutions to help you achieve your dreams … whatever they may be. To learn more about our oﬀerings, visit busey.com/home/wealth.

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✍ NOTES

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✍ NOTES

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Corporate Proﬁle As of September 30, 2017, First Busey Corporation (NASDAQ: BUSE) was a $6.9 billion ﬁnancial holding company headquartered in Champaign, Illinois. Busey Bank, a whollyowned bank subsidiary, is headquartered in Champaign, Illinois and has twenty-eight banking centers serving Illinois, thirteen banking centers in the St. Louis, Missouri metropolitan area, ﬁve banking centers serving southwest Florida and a banking center in Indianapolis, Indiana. Trevett Capital Partners, a wealth management division of Busey Bank, provides asset management, investment and ﬁduciary services to high net worth clients in southwest Florida. The wealth management professionals of Trevett Capital Partners can be reached through trevettcapitalpartners.com. Busey Bank had total assets of $5.4 billion as of September 30, 2017. First Community Financial Bank, First Busey Corporation’s wholly-owned bank subsidiary, is headquartered in Joliet, Illinois and has nine locations. First Community Bank had total assets of $1.5 billion as of September 30, 2017 In addition, Busey Bank owns a retail payment processing subsidiary, FirsTech, Inc., which processes approximately 28 million transactions per year using online bill payment, lockbox processing and walk-in payments at its 3,000 agent locations in 36 states. More information about FirsTech, Inc. can be found at ﬁrstechpayments.com. Busey Wealth Management is a wholly-owned subsidiary of First Busey Corporation. Through Busey Trust Company, Busey Wealth Management provides asset management, investment and ﬁduciary services to individuals, businesses and foundations. As of September 30, 2017, Busey Wealth Management’s assets under care were approximately $5.9 billion. For more information about Busey, visit busey.com.