Welcome to Wisconsin Bank & Trust 1. Welcome. A guide to your newly expanded personal banking opportunities EQUAL HOUSING LENDER

Transcription

1 Welcome to Wisconsin Bank & Trust 1 Welcome A guide to your newly expanded personal banking opportunities EQUAL HOUSING LENDER

2 Contents Arrows throughout this document indicate important information that requires your attention and/or further action. Welcome 03 About Wisconsin Bank & Trust 04 Transition Highlights 05 Special Customer Care Center Hours for Transition Weekend 06 Deposits 07 Personal Accounts 07 Activity Statements 08 Account Numbers 09 Checks 09 Electronic Deposits 09 FDIC Coverage 09 Overdraft Privilege 09 Card Services 10 Debit/ATM Cards 10 Card Transition 10 Ensure a Smooth Debit Card Transition 10 Gift Cards 11 Credit Cards 11 Electronic Banking 12 Electronic Banking Services Action Required! 12 Online Banking 12 Important: Your Action is Needed! 12 How do I Access my Online Banking? 13 Online Bill Pay 13 NEW! Mobile Remote Deposit 13 Text Banking 14 ebills 14 ealerts 14 estatements 14 Telephone Banking 14 Customer Resources/Online Tutorials 14 Loans and Credit 15 Consumer Loan and Credit Products 15 For Our Mortgage Borrowers 15 Note to Business Owners 15 Locations 16 New Hours 17 Login Instructions Transaction History Instructions 20 Open House 21 Our Values 22 Cover and inside front photo by Lisa Lehmann

3 3 Welcome to Wisconsin Bank & Trust Count on great personal service, new opportunities and an expanded banking center network. When Community Bank & Trust branches become Wisconsin Bank & Trust banking centers on May 15, 2015, the signs will change, but the friendly service inside will feel reassuringly familiar. That s because banking at Wisconsin Bank & Trust is all about relationships, just like it is at Community Bank & Trust. As we work together to bring you all the strengths of our combined team, we ll also preserve the relationships you value, along with other key advantages that have made CB&T such a great place to bank. You will continue to receive communication and calendar updates in upcoming weeks. Please call or visit your CB&T banking center if you have any questions. On behalf of every Community Bank & Trust and Wisconsin Bank & Trust employee, we extend our sincere thanks for your continued loyalty. We appreciate the privilege to serve you. In the following pages, you will learn the steps we re taking to make your transition a smooth one. This Welcome Guide was created to provide information on possible changes to your account(s) and assist you in becoming acquainted with Wisconsin Bank & Trust. In addition, this guide provides important dates, which may require some action on your part. You will find important information regarding your personal account(s). Kevin S. Tenpas President & CEO Scott D. Moseley Market President

4 4 A guide to your newly expanded banking opportunities About Wisconsin Bank & Trust Like Community Bank & Trust, our specialty is commercial banking with a strong commitment to retail banking, positioning us to serve ALL our customers financial needs. We believe that a focus on relationship banking is good for both the customer and the bank. By cross-serving our customers with everything they need, we become a valuable partner and are in a better position to assist with reaching financial goals. The bank benefits with a longterm and stable banking relationship and the opportunity to earn referrals from our satisfied clients. Although our roots trace back to 1912, in many ways we re a new bank, adopting the name Wisconsin Bank & Trust in 2012 after previously operating as Wisconsin Community Bank and Wisconsin Business Bank. Additionally, in 2012, WBT merged with First National Bank of Platteville giving us a strong presence in Southwest Wisconsin. With assets of more than $1 billion, we serve customers in the Madison, Monroe, Cottage Grove, Middleton, Fitchburg, Platteville, Wisconsin, Green Bay, Lancaster, Sheboygan, Chilton, Greenfield, Glendale, Elkhart Lake and Plymouth. The bank operates 19 banking centers and two mortgage origination offices, all located in Wisconsin. ABOUT HEARTLAND FINANCIAL USA, INC. Founded in 1981, Heartland Financial USA, Inc. is a $6.0 billion multibank holding company offering uniquely different banking solutions for business and personal clients. Heartland's independent community banks are chartered in the states of Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas and Missouri, with a total of 86 banking locations serving 63 communities and loan production offices in California, Nevada, Wyoming, Idaho, North Dakota, Nebraska, Washington and Oregon. Other business lines include: * Trust, investment management and retirement plan services offered through the Wealth Management Group. * Brokerage and investment services provided through LPL Financial Institution Services. * Consumer finance services provided by Citizens Finance Co. * Home mortgage loans - provided by Heartland Mortgage. The Heartland vision is to differentiate itself by highlighting its uniqueness as a commercial banking organization supported by a strong retail delivery system. As one of the top 100 bank holding companies nationwide, Heartland delivers high quality financial products and service to clients in the Midwestern, Southwestern and Western United States. Heartland's common stock is traded through the NASDAQ Global Select Market System under the symbol HTLF....The Big Bank Punch with the Community Bank Touch.

5 Welcome to Wisconsin Bank & Trust 5 Transition Highlights This section details the transition of your Personal Banking accounts and services. We start with a quick checklist of items we recommend to ensure a smooth transition. In addition, we have included full descriptions of your new Wisconsin Bank & Trust deposit accounts. IMPORTANT: The transition to Wisconsin Bank & Trust is expected to begin at 1:00 p.m. Friday, May 15, 2015, and end at 9:00 a.m. Monday, May 18, Below, please find a checklist of essential items to review prior to and immediately following the transition. Prior to Monday, May 11, 2015 * View, schedule, or make changes to your existing CB&T Online Bill Pay payments. * Expect your new Wisconsin Bank & Trust (WBT) Visa Debit Card to arrive in the mail. * Activate your new WBT VISA Debit Card, but do not use it until Friday, May 15, * Provide your new debit card number to any vendors who process periodic transactions to your debit card (i.e., monthly cell phone bill, electric, PayPal or gas bill). On Monday, May 11, 2015 * CB&T Bill Pay will be disabled. All payments need to be scheduled prior to this date to ensure bills are paid up through May 15, On Saturday, May 16, 2015 * All Banking Centers will be open regular hours. Please refer to page 17 for specific hours. On Monday, May 18, 2015 * Sign in to WBT Online Banking after 8:00 a.m. at www. WisconsinBankandTrust.com. Reference page 12 for detailed login instructions. * Download the Mobile Banking App. * Review your Online Banking Bill Pay payments and payees for accuracy. * Schedule your recurring transfers and/or alerts. * Destroy your CB&T ATM Card. Prior to Friday, May 15, 2015 * Download or print copies of Community Bank & Trust (CB&T) transaction history. See page 20 for detailed instructions. On Friday, May 15, 2015 * Destroy your CB&T Debit Card. * You may begin using your new WBT Visa Debit Card at 8:00 a.m. * ebanking and mobile app will be unavailable beginning at 4:00 p.m.

6 Need Assistance? Special Customer Care Center Hours for Transition Weekend Our Customer Care Team Members will be available Saturday, May 16 9:00 a.m. 2:00 p.m. to answer questions. Call

7 Welcome to Wisconsin Bank & Trust 7 DEPOSITS Personal Accounts How Your Account(s) Will Convert to the Wisconsin Bank & Trust Product Offering. We re doing everything possible to ensure a seamless transition. Below is a simple chart to help you understand how your current CB&T personal account(s) will convert into your new WBT account(s) effective Monday, May 18, Complete information on the new account terms and fees may be found in the Deposit Account Agreement and Disclosure booklet included in this mailing. ACCOUNT CONVERSION TABLE CHECKING MONEY MARKETS No Fee Checking to Free Checking w/estatements Money Market to Regular Money Market Direct Deposit Checking to Free Checking w/estatements Money Market Plus to Premium Money Market Convenient Plus Checking to Interest Checking Private Banking Money Market to Premium Money Market Convenient Senior Checking to Interest Checking Investor s Choice to Treasury Index Personal Money Market Power Interest Checking to Cash Rewards Checking IRAs Private Banking NOW to Private Banking Checking Money Market IRA to Money Market IRA SAVINGS Money Market Plus IRA to Money Market IRA Premium Statement Savings to Regular Statement Savings Investor s Choice IRA to Money Market IRA Custodial Savings to Regular Statement Savings Private Banking Money Market IRA to Money Market IRA CERTIFICATES OF DEPOSIT HEALTH SAVINGS If you currently have a Certificate of Deposit, your interest rate and maturity date will remain unchanged. You will continue to receive interest payments in the same way you do now. You will receive a notice when your account comes due. When your CD matures, it will automatically review with the most similar term offered by the bank. Renewal terms may be found in the enclosed Deposit Account Agreement and Disclosure booklet. Health Savings Account Single Health Savings Account Family to to Health Savings Account Health Savings Account

8 8 A guide to your newly expanded banking opportunities Activity Statements * Community Bank & Trust checking and savings activity statements will be processed through May 15, They will be printed and mailed for all customers, including estatement customers, one final time the week of May 18, * At the time of this final statement, interest will be credited to your account. Due to the account changeover mid-month, any monthly account maintenance or per item fees will be waived for the month of May. * If you are currently enrolled in estatements, this service will automatically convert. * If you currently receive check images of your paid checks with your statements, that service will continue at no cost. Images of all items posting to your account after May 15, 2015, will be available through WBT Online Banking following the conversion. * If you currently receive a combined statement (statement with multiple accounts), this service will continue. * If you have any questions after you receive your WBT statement, please call our Customer Care Center at PHONE MADISON WISCONSIN BANK & TRUST 8240 MINERAL POINT ROAD MADISON WI News for You JANE SMITH 123 SOMEPLACE RD COTTAGE GROVE WI PAGE NUMBER 1 STATEMENT DATE ENC 20 MC 9 ACCOUNT TYPE: REGULAR CHECKING ACCOUNT NUMBER: BEGINNING BALANCE , DEPOSITS AND OTHER CREDITS CHECKS AND OTHER WITHDRAWALS SERVICE FEES.00 - SALES TAX.00 ENDING BALANCE , DEPOSITS AND OTHER CREDITS DATE DESCRIPTION AMOUNT DEPOSIT /28/15 NPC CARD SERVICE CRED CARD /28/15 DEPOSIT /30/15 AMERICAN EXPRESS SETTLEMENT TOTAL # CREDITS 4 TOTAL CREDITS CHECKS PAID NUMBER AMOUNT DATE NUMBER DATE AMOUNT /27/ /27/ /27/ /28/15 TOTAL # CHECKS PAID PAID TOTAL CHECKS OTHER WITHDRAWALS DATE DESCRIPTION AMOUNT 04/27/15 NPC CARD SERVICE CRED CARD /27/15 SERVICE FEE /28/15 NPC CARD SERVICE CRED CARD TOTAL # WITHDRAWALS OTHER TOTAL OTHER WITHDRAWALS BALANCE SUMMARY DATE BALANCE BALANCE DATE BALANCE DATE 04/26/ /28/ /29/ CONTINUED ON NEXT PAGE

9 Welcome to Wisconsin Bank & Trust 9 Account Numbers In most cases, account numbers for checking accounts, savings accounts and CDs, including Individual Retirement Accounts (IRAs) and Education Savings Accounts (ESAs) will remain the same. We will notify you in a separate communication if your account number changes. Checks * Continue to use your existing CB&T checks and deposit tickets until depleted unless you are specifically notified otherwise. * New check orders placed with CB&T will be updated automatically with the WBT name and routing number. ELECTRONIC DEPOSITS AND PAYMENTS Any Direct Deposits and automatic payments you have now will continue uninterrupted. No action is needed. ROUTING AND TRANSIT NUMBER Your new routing and transit number is The routing and transit number is the first set of digits on the bottom of your new checks before your account number. FDIC COVERAGE If you have accounts at both CB&T and WBT, your accounts will be separately insured through the FDIC until July 15, 2015 (grace period). For Certificates of Deposit, FDIC insurance will continue until the maturity date, even if the maturity date comes after the grace period. If your CD matures during the grace period and you roll it over for the same term and dollar amount, it will be insured separately until the new maturity date. If after the grace period your deposits are greater than $250,000, a WBT Representative will be pleased to meet with you and discuss how you can maximize your FDIC insurance coverage OVERDRAFT PRIVILEGE Overdraft Privilege is a valuable discretionary service that WBT provides on personal checking accounts. Overdraft Privilege is designed to save you the expense, inconvenience and embarrassment of having a check returned to the merchant. If you have Overdraft Privilege now, you will continue to have this service after the conversion. WBT s Overdraft Privilege provides a cushion dependent on the type of checking account you have. Note: Some Overdraft Privilege amounts may change during the transition. Please refer to the Deposit Account Agreement and Disclosure booklet included with this mailing for the limit on your account and for additional disclosures related to Overdraft Privilege. In conjunction with Overdraft Privilege, we also offer other overdraft options such as Overdraft Transfer and/or Personal Ready Reserve Line of Credit. Please see one of our Personal Bankers for more information and to apply for these products. If you have elected to have your debit/atm card and other electronic transactions protected with Overdraft Privilege, we will continue to honor your request and those items will be honored up to your Overdraft Privilege limit, provided your account remains in good standing.

10 10 CARD SERVICES Debit/Atm Cards Beginning May 15, 2015, your VISA Debit Card, and VISA Health Savings Account (HSA) Debit Card that was issued by CB&T will be replaced with a Wisconsin Bank & Trust VISA Debit Card, or VISA HSA Debit Card. If you have a CB&T ATM Card accessing a checking account, you will receive a new WBT VISA Debit Card to replace it. If your CB&T card has not been used in the past 12 months, it will not be replaced. You will need to request a new one on or after May 18, Above are images of the new WBT Debit and HSA Cards. You will receive new WBT Debit Card(s) near the end of April or first week of May, followed by your new Personal Identification Number (PIN) in a separate mailer a few days later. Please follow the instructions included on the new card mailers to activate your cards immediately. You can activate your card by calling the toll-free number on the sticker, but cannot use the card until 8:00 a.m. on Friday, May 15, If you do not receive your new card or PIN in the mail by May 8, 2015, please call How can you help ensure a smooth Debit card transition You will need to provide your new WBT Debit Card number and expiration date to any merchant where your existing debit card is being used for automatic/recurring charges, such as an electric company monthly payment. WBT also offers the Pink Ribbon Debit Card (see below). Each time our customers use their Pink Ribbon Debit Card Card transition Watch for the two separate mailings: your new WBT VISA Debit Card and new PIN. Your new WBT Debit Card will be ready to use beginning May 15, 2015, at 8:00 a.m., provided you have activated your card. At that time your CB&T Debit Card will become inactive and should be destroyed. Your new WBT ATM Card will be ready to use beginning Monday, May 18, 2015 at 8:00 a.m. Your new WBT Debit/ATM Card(s) also participate in the same surcharge-free ATM networks as your CB&T cards. If we can be of assistance please call us at or visit any WBT banking center location beginning May 18, 2015.

11 11 to make a purchase, the bank makes a contribution at no cost to the customer to the fight against breast cancer. To order your Pink Ribbon Debit Card, call or visit any banking center after May 18, If you would like to exchange your new WBT Debit Card for a free Pink Ribbon Debit Card, call or visit any banking center after May 18, GIFT CARDS We will no longer sell Gift Cards on or after May 18, Any Gift Cards you purchase prior to then will continue to work and be serviced by the card issuer, MetaBank dba Meta Payment Solutions. Please call the phone number on the card if you have any questions, or want to check your remaining balance. We are also having a SALE. Normally we charge a $3.50 purchase fee, plus the amount you want to load to a Gift Card. Starting now and up to May 18th, the purchase fee is just $2.50 while supplies last. So stock up for all your gift giving occasions throughout the year, and always be ready for those sometimes forgotten events. CREDIT CARDS You may continue to use your Community Bank & Trust Personal VISA Credit Card as provided by Elan Financial Services. Questions regarding these accounts should be directed to Elan at the phone number on your monthly statement. We are happy to recommend the new VISA Credit Card (shown above) from Wisconsin Bank & Trust. Our new card features: * No Annual Fee 1. * Rewards points including cash back. * Low Interest Rates. * To apply for the WBT VISA, please call or visit your local banking center. Please note that all applications are subject to credit approval. 1 Annual Percentage Rate (APR) is based on amount requested and credit worthiness and may vary after the account is open with the market based on Prime Rate. Transactional fees include: Cash Advance, the greater of $5.00 or 2% of the amount of each Cash Advance Transaction; Convenience Check the greater of $5.00 or 2% of each Convenience Check you write; Balance Transfer the greater of $5.00 or 2% of each Balance Transfer; an International Transaction Fee of 0.8% of each transaction in U.S. dollars if no currency conversion or 1% of each transaction in U.S. dollars if there is a currency conversion. Variable purchase and balance transfers are 9.25%, 10.75% or 13.75% APR. Variable cash advance and convenience check transactions APR is 14.75%. APRs and Fees are accurate as of 3/17/15. Photo by Lisa Lehmann

12 12 A guide to your newly expanded banking opportunities ELECTRONIC BANKING ELECTRONIC BANKING SERVICES ACTION REQUIRED! Please take these steps prior to May 15, Our Online Banking will be upgraded to provide you with new and innovative solutions. We are committed to delivering a richer online experience with more flexibility, reliability, security and control. More information will be sent to you in the coming weeks. If you are a current Online Banking customer, read the following information carefully as it requires follow-up action from you. ONLINE BANKING IMPORTANT: YOUR ACTION IS NEEDED! In preparation for the transition from Community Bank & Trust to Wisconsin Bank & Trust Online Banking, it is necessary to have updated records to verify identity when logging in. The verification process requires a phone number. At your earliest convenience, please visit www. wisconsinbankandtrust.com: 1. Click on Welcome Community Bank & Trust Customers. You will be directed to a Welcome page. 2. On the left side, click Online Banking Transition Form and complete the secure form. 3. Or, you may call to ensure your accurate number is on file. On May 18, 2015, when you log in to Online Banking, you will be asked to select either your home or mobile phone number and a verification code will immediately be sent to your phone via voice call or text message. This code will need to be entered to complete the login process. We apologize for any inconvenience this may cause and we appreciate your time and patience during this transition. * On May 18, 2015, the new online banking system will be available. Follow the login instructions on pages * If you have bookmarked your Online Banking login page, please delete prior to the conversion. Special Note: The following will not convert from the current Online Banking System. You will need to set up in the new system after you have logged in on May 18, * Account Nicknames * elerts * Future Dated Transactions * Recurring Transactions * ebills To assist in the setup process, Online Banking Video Tutorials and a User Guide can be found on the website, WisconsinBankandTrust.com under ebanking. After conversion, you will have one statement cycle of transaction history. Your prior transaction history will not convert to the new system. If you wish to have a record of this, we encourage you to download your history prior to May 15, 2015, using either Excel or Quicken/Quickbooks. How do I access my online banking? You will be able to sign in to Wisconsin Bank & Trust s Online Banking at 8:00 a.m. on Monday, May 18, 2015: 1. Go to and use the Login box located on the home page.

13 Welcome to Wisconsin Bank & Trust Enter your current CB&T login name, which is casesensitive. 3. Enter your new temporary passcode: Last four (4) digits of your Social Security Number. 4. You will be prompted for your secure access code, via SMS text or a phone call. 5. Change your passcode. 6. Read and accept the Terms and Conditions for Online Banking. 7. You re in! At this time you can set up any automatic account alerts you may have had at Community Bank & Trust, as those will not be converted. IMPORTANT NOTE As transaction history will not be converted, it is important to save or download any information you need, including statements from CB&T prior to Friday, May 15, 2015, at Noon. Detailed instructions will also be available online. ONLINE BILL PAY * Prior to May 11, we suggest you review any bills due between May 11 18, 2015, and consider making these payments in advance. * Six months of bill pay history will convert to the new system. * Payees, addresses and recurring payments will also convert. Please know that every attempt will be made to properly convert all your current payees. On Monday, May 18, 2015, after 8:00 a.m., we recommend you look at all your payments and payees and ensure all were converted properly. If any are missing, you can re-establish them at this time. * Account nicknames will not convert. You will need to set up your nicknames for your accounts on May 18, * If you utilize ebills, you can re-enroll each ebill beginning Monday, May 18. We apologize that we are unable to automatically convert that information included in this service. Payees eligible for the ebill service will have a link under the payee s name when you view your list. Mobile Banking Whether you need to check your account balance at the grocery store or transfer money between accounts while on the go, WBT has you covered with mobile banking. And that s not all. Our FREE 2 mobile app gives you the opportunity to: * NEW! Deposit checks with Savvy TM Mobile Remote Deposit. After conversion you can set up this feature through Online Banking by navigating to Services, Enroll Mobile Deposits. * Check your account balance. * Pay bills. * Transfer funds. Enjoy the convenience and security of Mobile Banking from WBT. If you are already enrolled in our Online Banking, you are set to go mobile upon downloading our app. If not, sign up for free Online Banking and add Mobile Banking. The new app will be available May 18, QR Code for Google Play and itunes 2 Phone service provider fees may apply

14 14 TEXT BANKING This service will still be available but will have some changes. You will need to re-enroll after conversion. Additionally, a few of the text commands will change. More information will follow in future communication. ebills If you utilize ebills, you can re-enroll each ebill beginning Monday, May 18. We apologize that we are unable to automatically convert that information included in this service. Payees eligible for the ebill service will have a link under the payee s name when you view your list. ealerts (elerts) After the conversion, you can re-establish your ealerts beginning Monday, May 18, ealerts are notifications sent to you, via or text, when certain events occur on your accounts. estatements Current accounts on estatement will automatically convert, however when you log in for the first time after conversion, you will need to read and accept the estatement disclosure. If you re not using estatement now, go green and sign up after conversion through Online Banking. TELEPHONE BANKING (Telebanc) Wisconsin Bank & Trust s automated telephone banking service will be able to assist you with general account inquiries such as balances, deposits, transfers, etc. 24/7 access to your account will be available May 18, 2015, by calling or toll-free When you access WBT Telephone Banking, you will be asked for your social security number and prompted as a first-time user to establish your personal identification number. Customer Resources / Online Tutorials: To guide you through the transition to WBT we have prepared tutorials for Personal Online Banking, Bill Pay and Mobile Banking; these can be found online at www. WisconsinBankandTrust.com. Click on Login on the home page then select Resources in the pop-up box. Phone Support: To speak with a Personal Online Banking specialist, contact the WBT Customer Care Center at For complete Customer Care Center hours and additional contact information, please refer to page 6 of this booklet.

15 Welcome to Wisconsin Bank & Trust 15 LOANS AND CREDIT CONSUMER loans and lines of credit The terms of your loan or line of credit will not change. Fees and late charges will be assessed in accordance with your existing contract, unless you receive a separate notification of specific changes. Consumer Loan customers currently using loan payment coupon books are asked to continue using those books until new payment books are provided in the future. Please include the coupon when submitting your payment. Home Equity Lines of Credit customers will receive monthly activity statements, which will also serve as your billing statement. If you have an automatic loan payment set up from a deposit account, that service will remain in effect following the computer conversion. If you use the Bill Pay service to make your monthly mortgage payment, it will be necessary to arrange for this service on the NEW Online Banking and Bill Pay site. * Beginning May 18, 2015, you may use any of the following methods to make loan payments: Sign-up for automatic payments online through Online Banking in Bill Pay. Drop off your payment at any banking center. Mail your payment to: Loan Processing P.O. Box 360 Dubuque, IA Effective May 18, 2015, mortgage customers will have access to our online Mortgage Center. The Mortgage Center provides extensive information and transaction services, including: * Loan Balance * Most Recent Payment * Next Payment Date * Escrow Transactions * Loan History * One-Time Payment or Recurring Payments Please note the following key information: * Your loan has not been sold, but the servicing has been transferred to our sister bank, Dubuque Bank and Trust. * The automatic payment service previously available to mortgage customers had the ability to wait for funds availability before processing a payment from a deposit account. That feature is not provided on our new system, which may result in overdrawing your deposit account if funds are not available. * Mortgage customers will receive detailed information by mail on the Mortgage Center service and the change in mortgage loan servicing. Note to Business Owners You will receive a separate mailing that describes any changes to your business accounts and cash management services. for our MORTGAGE BORROWERS The conversion of our computer system will enhance the information available on your mortgage loan account and change how payments are accepted. Mortgage coupon books will no longer be provided. Instead, residential mortgage customers will receive a monthly activity statement with a perforated portion that serves as a payment coupon. Please include this portion with your payment.

16 16 A guide to your newly expanded banking opportunities LOCATIONS AND INFORMATION More Banking Centers and ATMs Your banking center network will grow from 10 to 19 locations. Beginning May 18, 2015, you will have access to any of these banking centers and ATMs for all your transactions, so you ll enjoy convenient new banking opportunities close to where you live, work or travel in the great state of Wisconsin. Banking Center Locations Mortgage Loan Origination Offices Chilton 1265 East Chestnut Street, Chilton, WI Cottage Grove 580 N. Main Street Cottage Grove, WI Elkhart Lake Center 274 Osthoff Avenue Elkhart Lake, WI Fitchburg 6180 Verona Road Fitchburg, WI Sheboygan 4706 S Taylor Drive Sheboygan, WI (Scheduled to be consolidated with current banking centers in June 2015.) (Downtown) 604 North 8th Street Sheboygan, WI (South) 3220 South Business Sheboygan, WI Sheboygan (continued) (West) 655 South Taylor Drive, Sheboygan, WI (North) 4210 State Hwy 42 North Sheboygan, WI Sheboygan Falls 1160 Fond Du Lac Avenue Sheboygan Falls, WI Madison 2310 Crossroads Drive Suite 2200 Madison, WI Milwaukee Watertower Boulevard Suite 210 Brookfield, WI Glendale 5380 North Port Washington Rd. Glendale, WI Wisconsin Bank & Trust Greenfield 4131 West Loomis Road, Greenfield, WI Green Bay/DePere 1510 Mid Valley Drive DePere, WI Lancaster 305 South Madison Street Lancaster, WI Madison/Main Bank 119 Junction Road Madison, WI Middleton 5310 Century Avenue Middleton, WI Elroy Nekoosa Adams Lake Delton DePere Neenah Chilton 43 Elkhart Lake Plymouth Sheboygan Falls Monroe th Street Monroe, WI Platteville 10 Keystone Parkway Platteville, WI Lancaster Middleton Fitchburg Watertown Glendale Cottage Grove Greenfield Plymouth 2511 Eastern Avenue Plymouth, WI Platteville Monroe Beloit

17 New Hours Effective May 1, 2015 Wisconsin Bank & Trust Offices (except Sheboygan West) Lobby Hours 9:00 a.m. 5:00 p.m. Monday Friday Closed Saturday Drive-Up 8:00 a.m. 5:30 p.m. Monday Thursday 8:00 a.m. 6:00 p.m. Friday 9:00 a.m. Noon Saturday Sheboygan West Lobby Hours 9:00 a.m. 5:00 p.m. Monday Friday 9:00 a.m. Noon Saturday Drive-Up 8:00 a.m. 5:30 p.m. Monday Thursday 8:00 a.m. 6:00 p.m. Friday 9:00 a.m. Noon Saturday

18 18 A guide to your newly expanded banking opportunities ONLINE BANKING LOGIN Instructions Enter your current CB&T username and the last four digits of your social security number. You will be directed to a page where you are to select the delivery method of your Secure Access Code. Once you receive your Secure Access Code via phone or SMS, enter it in the Access Code Screen. Click Submit. You will be prompted to register your device,

19 Welcome to Wisconsin Bank & Trust 19 ONLINE BANKING LOGIN Instructions (continued) then prompted to change password. Please read and accept first-time disclosure.

20 20 A guide to your newly expanded banking opportunities Instructions on how to download transaction history CB&T PERSONAL ONLINE BANKING 1. Click on the Account from which you want to download transactions. 2. Under the Transactions Menu > Export Transactions. 3. Under Transaction Search, change the Cycle to All. 4. Select the Export Format to which you would like to store the transaction history. 5. Click Export. CB&T BUSINESS ONLINE BANKING 1. Click on the Account from which you want to download transactions. 2. Select Transactions > Menu. 3. Under Transaction Search, change the Cycle to All. 4. Select the Export Format to which you would like to store the transaction history. 5. Click Export.

21 Welcome to Wisconsin Bank & Trust 21 Please join us and celebrate! We will be hosting Open Houses at all Wisconsin Bank & Trust Banking Centers May 26-29, 2015 Refreshments Free Gifts Fun Prizes We are excited to be a part of the community! More details to come.

22 22 A guide to your newly expanded banking opportunities

23 Welcome to Wisconsin Bank & Trust 23 Thanks for giving us this opportunity to serve you! As you can see, Wisconsin Bank & Trust has a lot to offer. If you have any questions about anything you have read, or if you would like more information, please call or visit your local banking center. You can also call the WBT Customer Care Center at Monday through Friday, 7:00 a.m. to 8:00 p.m. and Saturday, 9:00 a.m. to 2:00 p.m. We appreciate your business and look forward to bringing you a smooth transition to the new banking opportunities you ll find at Wisconsin Bank & Trust. For assistance at any time, please contact our Customer Care Center at Through excellence in customer service and respect for the individual, everyone profits. Heartland Financial USA, Inc.

24 WisconsinBankandTrust.com