Resource Guide CONSUMER BRIDGEVIEW BANK

Transcription

1 Resource Guide CONSUMER BRIDGEVIEW BANK

2 Bridgeview Bank Group has a long history of delivering an exceptional banking experience by putting the customer absolutely and always first. This history will not be lost with the merger of Bridgeview Bank and First Midwest Bank. In fact, it will be further strengthened as we join our colleagues at First Midwest Bank in continuing to deliver exceptional banking services. Peter J. Haleas Chairman Bridgeview Bank Group 2 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

3 WELCOME TO FIRST MIDWEST BANK. BANK WITH MOMENTUM. First Midwest Bank is committed to providing you with the highest levels of service during the Bridgeview Bank transition. This Resource Guide, in combination with our website, Customer Care Center, and local bankers, will assist you in making a smooth transition to First Midwest Bank. Please take some time to read through this guide. TO GET YOU STARTED WITH ACCOUNT ACCESS Debit and ATM Cards Your current Bridgeview Bank Debit Mastercard or ATM Card will continue to function with no change to your PIN. During the transition, if a PIN (Debit) transaction is declined using your Bridgeview Bank Debit Mastercard, select Signature (Credit). Additionally, you will receive a new First Midwest Bank Debit Mastercard or ATM Card in early May. Your PIN will remain the same. More details on pages 4 and 5. Online Banking Use your current Bridgeview Bank User ID and Password to access First Midwest Bank s Online Banking. You will continue to receive estatements. Recurring bill payments will continue. Bridgeview Bank s ebanking will not be available after 8:00pm CT on 05/10/19. First Midwest s Online Banking will be available at 8:00am CT on 05/13/19. More details on page 6. Mobile Banking Download the First Midwest Bank mobile app. - Search First Midwest Bank at the App Store or Google Play TM store, or - Text Mobile to and we will send you a link to get you started. Use your current Bridgeview Bank User ID and Password to access First Midwest Bank s Mobile Banking. On 05/13/19, please delete your Bridgeview Bank Mobile Banking app to avoid confusion. Bridgeview Bank s Mobile Banking app will not be available after 8:00pm CT on 05/10/19. More details on page 8. Checks You can continue to use your existing supply of Bridgeview Bank checks. More details on page 11. CONSUMER Resource Guide About Your Accounts Important Phone Numbers and Resources 4 Debit and ATM Cards 4 Online Banking 6 Internal Transfers 6 Bill Pay 6 ebills 7 estatements 7 Mobile Banking 8 Zelle 8 Account Information 9 Checking Account Changes 9 Continuing Checking Accounts 9 Savings Account Changes 10 Money Market Account Changes 10 Checks 11 Statements 11 Easy Checking 11 Midwest Checking 11 Diamond Checking 12 Health Savings Accounts (HSAs) 12 Statement Savings 12 Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) CDs 12 Individual Retirement Accounts (IRAs) 13 Loan Payments 13 Loans and Lines of Credit 13 Overdraft Line of Credit 13 Overdrafts and Returned Items 14 Funds Availability 14 Interest Calculations for Deposit Accounts 15 FDIC Insurance Coverage 15 Tax Reporting 16 Additional Services 16 Direct Deposits and Electronic Funds Transfers 16 Overdraft Protection 16 Credit Cards 16 Wire Transfers 17 Safe Deposit Boxes 17 Automated Phone Banking 17 Bridgeview Wealth Management 18 Convenient Locations 19 Notification & Amendment Change In Terms Notification 21 Amendment of Retail Account Agreement from Bridgeview Bank Group ( Bridgeview Bank ) Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 3

4 CONSUMER Resource Guide Important Phone Numbers and Resources Customer Care Center: Online Banking & Mobile Support: Website: FirstMidwest.com Instant Answer Center: FirstMidwest.com/GetAnswers Routing Number: About Your Accounts Understanding the Consumer Resource Guide This Resource Guide is intended to provide general information about accounts and services. Effective Date: 05/13/19 Refers to the date of the anticipated transition as noted on the Important Dates Schedule. This is the date all Bridgeview Bank branches begin doing business as First Midwest Bank, and your Bridgeview Bank accounts will transition to First Midwest Bank accounts. Change in Terms Notification These documents detail the specific terms and conditions applicable to your deposit account(s) on and after 05/13/19. In the event of a difference between the information in the Resource Guide and the terms and conditions of the Retail Account Agreement, the terms and conditions of the First Midwest Bank Retail Account Agreement apply. Important Dates Schedule Indicates important, specific dates for your accounts and services, as noted in the separate enclosure. Additional Communication Indicates that additional information will be mailed to applicable clients. Important Information Indicates that it requires your close attention. Debit and ATM Cards Refer to the Important Dates Schedule. Watch for additional communication as well as your new First Midwest Bank Debit Mastercard or ATM Card. Debit and ATM Cards Here are several important facts to keep in mind to ensure you enjoy uninterrupted Debit or ATM Card access during the transition to First Midwest Bank: Your current Bridgeview Bank Debit Mastercard or ATM Card will continue to function with no change to your PIN until 10/31/19, or until your card s expiration date, whichever comes first. If a PIN (Debit) transaction is declined using your Bridgeview Bank Debit Mastercard during the transition, select Signature (Credit). Additionally, you will receive a new First Midwest Bank Debit Mastercard or ATM Card in early May. Your PIN will remain the same and you will receive a separate PIN verification. Your Card should be activated immediately by calling However, your First Midwest Bank Debit Mastercard or ATM Card will not be available for use until 05/13/19. 4 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

5 About Your Accounts Debit and ATM Cards (continued) Balance inquiries will not be available at any ATM (on-us or foreign) beginning at 6:00pm CT on 05/10/19 through 8:00am CT on 05/13/19. Once you have successfully completed a valid transaction after 05/13/19, we strongly encourage you to use your new First Midwest Bank Debit Mastercard or ATM Card and destroy your Bridgeview Bank Debit Mastercard or ATM Card to ensure uninterrupted card access. If you have any bills that are automatically paid with your Bridgeview Bank Debit Mastercard, please notify the biller or merchant of your new First Midwest Bank Debit Mastercard number and expiration date. This must be completed after you activate your First Midwest Bank Debit Mastercard, but before your Bridgeview Bank Debit Mastercard is closed to avoid any loss in service. All card transactions beginning at 6:00pm CT on 05/10/19, through 8:00am CT on 05/13/19, may not be reflected in your available balance. Transactions during this time will begin to post to your account the evening of 05/13/19, but may take several days to reflect an accurate available balance. If you have a Bridgeview Bank ATM Card, you will receive a First Midwest Bank ATM Card with no fees for any transaction at a First Midwest Bank ATM. As a Bridgeview Bank Debit Mastercard holder, you will continue to have free access to over 175 First Midwest Bank ATMs - plus over 55,000 surcharge-free ATMs nationwide in the Allpoint network. First Midwest Bank does offer transactional alerts that can be set up through First Midwest Bank s Online Banking. If you are planning to travel, please contact the First Midwest Bank Customer Care Center at or stop by a local branch to ensure no interruption of service. You can securely use your First Midwest Bank Debit Mastercard with Apple Pay TM and track your purchases with First Midwest Bank Mobile Banking. Visit FirstMidwest. com/applepay to get started. Notify Billers of your new card number and expiration date. Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 5

6 About Your Accounts Online Banking Refer to the Important Dates Schedule. Online Banking First Midwest Bank s Online Banking service offers many of the features and functionalities that you ve enjoyed with Bridgeview Bank s ebanking, making the transition easy and convenient. Some additional features of First Midwest Bank s Online Banking include: Account Alerts - including information regarding debit card purchases, account balances, and other security alerts. External Transfers - $2, for a single item, $7, daily, and $10, monthly. The cutoff time is 5:00pm CT. Financial Center Dashboard Access - providing maximum control over your accounts. Your current Bridgeview Bank User ID and Password will remain the same. Upon your first login: You must agree to the Terms and Conditions that will apply to use the service. These Terms and Conditions replace any terms and conditions related to Bridgeview Bank s ebanking service. You will be asked to verify your identity by selecting one of two methods. 1. Receive a single-use code by phone call or SMS message to a phone number on file. 2. Answer a series of security questions sourced from public information. Bridgeview Bank s ebanking will not be available after 8:00pm CT on 05/10/19. If you need further assistance, call First Midwest Bank s Online Banking and Mobile Support at Internal Transfers Scheduled internal transfers for deposit accounts and loan payments will transition to First Midwest Bank on 05/13/19. The cutoff time for internal transfers is 8:00pm CT during business days. Bill Pay Bill payees and recurring bill payments will automatically be converted from Bridgeview Bank to First Midwest Bank and will continue to be paid as scheduled. You will see those payments in your bill payment history on 05/13/19. Your bill payments will function differently at First Midwest Bank. Funds will be withdrawn hours after the payment Send On date you choose in Online Banking. Your Send On date will be based on the biller s method of accepting payment and the time it takes to get the payment to the biller. 6 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

7 About Your Accounts Bill Pay (continued) If you established Bridgeview Bank as a payee to make your loan payment, it will automatically be converted to a First Midwest Bank payee after 05/13/19. First Midwest Bank has a $10, daily transaction limit. First Midwest Bank allows expedited bill payment to eligible electronic payees for a $4.00 fee. The cutoff time to add, stop, or edit a scheduled payment is 9:30pm CT. ebills If you have ebills with your Bridgeview Bank ebanking, those ebills will convert to your First Midwest Bank Online Banking. As of 05/13/19, you can set up new ebills in First Midwest Bank s Online Banking. estatements If you currently receive estatements from Bridgeview Bank, you will continue to receive estatements from First Midwest Bank. Your final Bridgeview Bank estatement will be as of 05/10/19. If you wish to save your Bridgeview Bank estatements and images, download them prior to 8:00pm CT on 05/10/19. First Midwest Bank will convert 18 months of your Bridgeview Bank estatement history. First Midwest Bank is currently finalizing plans for the conversion of estatements and images. Updates on the timing will be communicated within Bridgeview Bank s ebanking prior to the Effective Date of 05/13/19. If you need a specific estatement or image after 05/13/19, and it is not yet available online, contact the First Midwest Bank Customer Care Center at After 05/13/19, log in to First Midwest Bank s Online Banking to enroll additional accounts for estatements. Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 7

8 About Your Accounts Mobile Banking First Midwest Bank s widely-adopted Mobile Banking app is available for iphone, Android TM, Amazon Kindle and ipad devices. Your Bridgeview Bank Mobile Banking app will not be available after 8:00pm CT on 05/10/19. Refer to the Important Dates Schedule. Mobile Banking First Midwest Bank s highly-rated Mobile Banking app is available for iphone, Android TM, Amazon Kindle and ipad devices. Some of the benefits include: The ability to view account information, make transfers, pay bills, and deposit checks. The ability to view existing bill payments and create new bill payments for existing billers. A daily mobile check deposit limit of $5, You will have two ways to access your account information from your mobile device: 1. Through the First Midwest Bank Mobile Banking app. To download the app: Search First Midwest Bank at the App Store or Google Play TM store, or Text Mobile to and we will send you a link to get you started. 2. By visiting FirstMidwest.com from your mobile device and selecting Consumer Sign On. Use your current Bridgeview Bank User ID and Password to access First Midwest Bank s Mobile Banking. Bridgeview Bank s Mobile Banking app will not be available after 8:00pm CT on 05/10/19. On 05/13/19, please delete your Bridgeview Bank Mobile Banking app to avoid confusion. Apply Pay, Samsung Pay, and Google Pay will be available to you in First Midwest Bank s Mobile app. After 05/13/19, and after you have activated your First Midwest Bank Debit Mastercard, you will need to add your new debit card(s) to your Apple Pay, Samsung Pay, or Google Pay wallet. You can deposit checks remotely through the Mobile Banking app. The cutoff time for remote deposits is 5:00pm CT. Deposits are not available immediately. Your deposit receipt will be sent by . Please refer to the Funds Availability Policy in the Change in Terms Notification, beginning on page 21. Zelle This secure service will continue, and allows you to send, request, or receive money through the First Midwest Bank Mobile app. 8 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

9 About Your Accounts Account Information Your current account number will remain the same. The chart below shows your new First Midwest Bank deposit account name. If you believe another account would better suit your financial needs, please contact the First Midwest Bank Customer Care Center at or stop by a local branch. Account Information Checking Account Changes Bridgeview Bank Account Account Qualifications New First Midwest Bank Account Elite Checking Diamond Checking Premium Checking Edge Checking Midwest Checking Easy Checking Health Savings Account Preferred Checking Bank at Work Checking Bank at Work Checking Bank at Work Checking Employee Checking If Year-to-Date Average Ledger Balance is less than or equal to $5, as of 02/28/19 If Year-to-Date Average Ledger Balance is greater than $5, and equal to or less than $30, as of 02/28/19 If Year-to-Date Average Ledger Balance is greater than $30, as of 02/28/19 Health Savings Account Easy Checking Midwest Checking Diamond Checking Employee Checking Continuing Checking Accounts Bridgeview Bank Account Prime Checking New First Midwest Bank Account Prime Checking (no change) Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 9

10 About Your Accounts Account Information Savings Account Changes Bridgeview Bank Account Account Qualifications New First Midwest Bank Account Statement Savings Statement Savings Passbook Savings Passbook Savings If Year-to-Date Average Ledger Balance is less than or equal to $5, as of 02/28/19 If Year-to-Date Average Ledger Balance is greater than $5, as of 02/28/19 If Year-to-Date Average Ledger Balance is less than or equal to $5, as of 02/28/19 If Year-to-Date Average Ledger Balance is greater than $5, as of 02/28/19 Statement Savings Investor Reserve Savings Statement Savings Investor Reserve Savings Minor Statement Savings If primary owner is less than 18 years of age Statement Savings, Minor Minor Statement Savings If primary owner is 18 years of age or older Statement Savings Minor Passbook Savings If primary owner is less than 18 years of age Statement Savings, Minor Minor Passbook Savings If primary owner is 18 years of age or older Statement Savings Penny Wise Savings Penny Wise Savings 2 Auto Savers Savings Escrow Savings Employee Savings Flex Savings or Flex CD Statement Savings Employee Savings First Midwest Bank CD Money Market Account Changes Bridgeview Bank Account Premium Money Market Lucky 7 Money Market Jackpot Money Market Roulette Deal Money Market Lincoln Park 20th Money Market High Yield Money Market Hang 10 Money Market Win, Place, Show Money Market New First Midwest Bank Account Diamond Money Market Money Market 10 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

11 About Your Accounts Checks Please continue to use your existing supply of Bridgeview Bank checks after the transition. The routing number, the string of numbers to the left of your account number on the bottom of your checks, is still valid. As you naturally deplete your supply of Bridgeview Bank checks, please contact the First Midwest Bank Customer Care Center at or visit FirstMidwest.com/orderchecks to order a new supply of First Midwest Bank checks. First Midwest Bank s Routing Number is Statements If you currently receive a paper statement from Bridgeview Bank, you will continue to receive a paper statement from First Midwest Bank. Your current Bridgeview Bank statement check image selection will remain the same. For any applicable check image charges, refer to the Change in Terms Notification on page 21. If you currently receive an estatement from Bridgeview Bank, you will continue to receive an estatement from First Midwest Bank. Check images will no longer be included within the estatement. However, check images will be available in the Transaction History of First Midwest Bank s Online Banking. Easy Checking 1 This basic checking account offers unlimited check writing privileges. This account also includes: First Midwest Bank Debit Mastercard. Free Online and Mobile Banking. 0.25% interest rate discounts on auto and home equity loans. 2 $ Mortgage Closing Cost Rebate. 3 Midwest Checking 4 This checking account includes all of the features of Easy Checking plus: Tiered interest rates. 5 Discounted checks. Special rates on CDs. Please continue to use your existing supply of Bridgeview Bank checks after the transition until they are depleted. All First Midwest Bank Checking accounts include these features: Free estatements Free unlimited check writing Free access to over 55,000 Allpoint ATMs Free Debit Mastercard Free Online Banking Free Mobile Banking Free Automated Phone Banking 1 $7.49 monthly maintenance fee waived if you maintain $ average daily balance or make qualifying deposits of $ or more during your statement period. 2 Subject to credit approval. Property insurance is required on loans secured by property. Cannot be combined with other rebates, discounts or promotional offers on a single loan number. Discount requires auto payment set up from a First Midwest checking account. Does not apply to Home Equity Lines of Credit. 3 Subject to credit approval. Property insurance is required on loans secured by property. Cannot be combined with other rebates, discounts or promotional offers on a single loan number. Rebate may take up to 120 days to appear in your account. Incentive may be subject to IRS tax reporting. 4 $12 monthly maintenance fee waived with direct deposits of $1, or more monthly or $2, minimum daily ledger account balance. 5 For balance levels (tier ranges), please refer to the Change in Terms Notification beginning on page 21. Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 11

12 About Your Accounts Diamond Checking 6 This checking account includes all the features of Midwest Checking plus: Free checks and delivery. 7 Priority Call Center Customer Service. $ Mortgage Closing Cost Rebate. 8 Free Teller Services like notary services, cashier s checks, money orders, and more. Four free transactions per month at non-first Midwest Bank ATMs. 9 Exclusive access to our best rates on CDs, Diamond Savings and Diamond Money Market accounts. Health Savings Accounts (HSAs) The First Midwest Bank HSA is an interest-bearing checking account that offers a different way to pay for health care. This allows you to pay for current health expenses and save for future, qualified medical and retiree health expenses on a tax-free basis. 10 Statement Savings This is a simple, interest-bearing account that comes with a personal savings register. Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) CDs As of 05/13/19, First Midwest Bank s early withdrawal penalties will apply to Bridgeview Bank CDs, including IRA CDs. All other terms will remain the same until maturity, at which time the CD will renew into First Midwest Bank s Terms and Conditions. CD account holders will receive advance notice of maturity and a renewal notice, along with complete details regarding the terms for renewal of the CD. CD statements will only be produced if there is a combined statement relationship. Upon maturity, please call the First Midwest Bank Customer Care Center at or visit your Banker or local branch to discuss the CD solution that s right for you. 6 $20.00 monthly maintenance fee waived if you maintain $25, combined average daily balance across your Checking, Savings, Money Market and/or CDs, OR maintain a Mortgage, Home Equity Loan or Line, Personal Trust, Private Banking or First Midwest Financial Network relationship. First Midwest Financial Network (FMFN) relationship requires a minimum of $25, in invested balances. FMFN is a division of First Midwest Bank. Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL or its licensed affiliates. First Midwest Bank and FMFN are not registered broker/dealers and are not affiliated with LPL Financial. 7 Applies to First Midwest Exclusive style. 8 Subject to credit approval. Property insurance is required on loans secured by property. Cannot be combined with other rebates, discounts or promotional offers on a single loan number. Rebate may take up to 120 days to appear in your account. Incentive maybe subject to IRS tax reporting. 9 Per statement period. Other bank s surcharge fees may apply. 10 Consult a tax advisor. 12 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

13 About Your Accounts Individual Retirement Accounts (IRAs) The custodianship of your IRA will change from Bridgeview Bank to First Midwest Bank on 05/13/19. An individual with multiple IRAs may consolidate or aggregate the separately calculated Required Minimum Distributions (RMDs) and withdraw the total amount from any one or more of the IRAs. In 2019, if you are taking the RMD from another institution, you must complete a Waiver of Distribution from First Midwest Bank, which informs us that you will meet your RMD with another institution. If you do not meet your RMD with First Midwest Bank and have not completed a waiver form, a check for the required amount will be sent to you at the beginning of December of the year the distribution is required. Loan Payments After 05/13/19, First Midwest Bank loan billing statements will replace your current Bridgeview Bank billing statements and contain the First Midwest Bank loan payment mailing address. Beginning on 05/13/19, you can make loan payments at any First Midwest Bank branch. Payments can also be mailed to First Midwest Bank at the following address: First Midwest Bank Payment Processing PO Box 125 Bedford Park, IL If you have an auto debit or online payment scheduled, there will be no change. Your auto debit or online payment will not be affected by this transition. If you are set up for bill pay at another financial institution, you will need to change the Routing Number to on or after 05/13/19. Your loan account number, unless notified, will remain the same. Loans and Lines of Credit The Terms and Conditions of your existing Bridgeview Bank loan or line of credit will remain the same. For any questions regarding your loan or line of credit: Prior to 05/10/19, contact Bridgeview Bank s Loan Department at After 05/13/19, contact the First Midwest Bank Customer Care Center at Overdraft Line of Credit If you currently have an Overdraft Line of Credit, including Ready Reserve, Overdraft Protection, or a Personal PRA, offering transfers from your Overdraft Line of Credit to pay overdrafts, this service will continue. Your available overdrawn balance will be used to transfer funds from your line of credit. Please contact the First Midwest Bank Customer Care Center at for additional information. Watch for additional communication. First Midwest Bank can also provide more information about our wide array of consumer borrowing solutions, you can visit FirstMidwest.com/Borrow or call Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 13

14 About Your Accounts Overdrafts and Returned Items For purposes of overdraft processing, First Midwest Bank determines your account balance at the end of each business day. To determine your available account balance, we begin with your ledger balance (your account balance at the end of the previous business day after all transactions are deposited to or paid from your account) and (i) subtract any holds on your account; and (ii) add any deposits that become available that day for use. This determines your available account balance. From this amount, we then subtract any items received for payment during that business day, in a defined posting order, and any fees and charges assessed by the Bank against your account. An overdraft occurs when, during this determination process, the Bank receives an item for payment and your available account balance is not sufficient to pay the item. You may be charged an Overdraft Fee or Returned Item Fee for each item that overdraws your account, whether the overdraft was caused by you or another person authorized to use the account or by fees applicable to the account. Refer to the First Midwest Bank Retail Account Agreement for more information. Funds Availability Our policy is to make funds from your cash, wire transfers, electronic direct deposits and other electronic transfers, available to you on the business day we receive the deposit. Funds from other deposited items, such as checks, will be made available on the first business day after we receive the deposit. Deposits, including cash, made at a First Midwest Bank ATM, will also be available to you on the first business day after the day on which we receive your deposit. Teller transactions, ATM, ACH, and debit card purchases will reflect immediately in your online banking balance. All other transactions will be reflected in your balance the following business day. Deposits made at the teller window may not be available for immediate withdrawal in accordance with First Midwest Bank s Funds Availability Policy. See the Change in Terms Notification starting on page 21 for complete details. Our cutoff time on business days for branch deposits is the applicable branch closing time with the following exceptions: Transaction Type All ATM Locations Online and Mobile Banking Account Transfer Bank-Line Account Transfer Mobile Banking Deposits Cutoff Time (Central Time) Monday - Friday: 6:00pm Monday - Friday: 8:00pm Monday - Friday: 8:00pm Monday - Friday: 5:00pm 14 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

15 About Your Accounts Interest Calculations for Deposit Accounts First Midwest Bank uses the daily balance method to calculate interest. Under this method, interest is calculated by applying a periodic rate to the full (collected) balance in your account each day. The collected balance is the balance that reflects the deposits you have made and for which First Midwest Bank has actually received credit. This occurs when First Midwest Bank collects the funds (receives credit) from the other bank. FDIC Insurance Coverage If you have accounts at both First Midwest Bank and Bridgeview Bank, you may be affected by a limitation of FDIC insurance coverage due to the merger. For clients who currently maintain accounts at both banks: 1. Your converted Bridgeview Bank deposit accounts will be separately insured from any accounts you already have at First Midwest Bank for six months after the Effective Date of May 13, For example, with an Effective Date of May 13, 2019; separate insurance coverage will continue until November 13, For Bridgeview Bank time deposits opened or renewed before the Effective Date of May 13, 2019, separate deposit insurance will continue until the first maturity after the expiration of the sixmonth grace period on November 13, For example: John Doe s one-year time deposit renews on February 1, 2019 (before the merger Effective Date of May 13th). John s time deposit will maintain separate insurance coverage until the first maturity date after the expiration of the six-month grace period on November 13, In this example, the term of John s time deposit is one year and will receive separate insurance coverage until it matures on February 1, Exceptions that apply to time deposits: Time deposits that mature between May 13, 2019 and November 13, 2019 and that are renewed for the same amount with or without accrued interest and the same term as the original deposit will continue to have separate insurance coverage until the next maturity date. For example: The merger Effective Date is May 13, The sixmonth grace period expires November 13, Jane Doe s oneyear CD matures July 28, 2019, within the time period between the Effective Date (May 13, 2019) and the six-month grace period expiration (November 13, 2019). She does not make any changes to this account and lets it renew automatically. Jane will receive separate insurance coverage until her NEXT maturity date on July 28, Time deposits that mature between May 13, 2019 and November 13, 2019; and are renewed for a different term or amount will not be insured separately after the six-month grace period expires on November 13, During this six-month time period, you should If you have questions regarding FDIC insurance coverage, visit call 877.ASK.FDIC ( ) or contact the First Midwest Bank Customer Care Center at Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 15

16 About Your Accounts FDIC Insurance Coverage (continued) rearrange your deposits, if necessary, to maintain appropriate levels of FDIC insurance coverage. For example: The merger Effective Date is May 13, The six-month grace period expires November 13, John Doe s CD matures July 28, 2019, between the Effective Date (May 13, 2019) and the expiration of the six-month grace period (November 13, 2019). He changes the length of time the dollars are invested (term). John s separate insurance coverage would end on November 13, 2019, at the end of the six-month period. The Federal Deposit Insurance Corporation (FDIC) insures each depositor of First Midwest Bank up to $250, per ownership category. If you have specific questions, please refer to the FDIC website FDIC Call Center 877.ASK.FDIC ( ), or contact the First Midwest Bank Customer Care Center at Tax Reporting Form 1098 All interest paid during 2019 will be reported by First Midwest Bank. Form 1099 All interest earned and paid during 2019 will be reported by First Midwest Bank. Additional Services Direct Deposits and Electronic Funds Transfers If you have an existing direct deposit, it will continue seamlessly without interruption. Beginning on 05/13/19, any newly established direct deposits, preauthorized, or other electronic transfer relationships, should use First Midwest Bank s Routing Number Watch for additional communication. Overdraft Protection With Overdraft Protection, you will have a set, predictable overdraft limit. We will use this as a guide to help us decide if we are going to authorize an overdraft on your account. If you are eligible for this program, you will receive a separate notification the week of 05/06/19. Credit Cards Your Bridgeview Bank credit card will continue to work until the expiration date indicated on the card, at which time you will be issued a new First Midwest Bank credit card. The first statement you receive after 05/10/19 will reflect the First Midwest Bank name. After 05/13/19, please follow the directions on your credit card statement for payment mailing. To avoid late charges and delay of payment processing, continue to mail payments directly to the address listed on your credit card statement. Contact information can be found on the back of your credit card or credit card statement. Beginning 05/13/19, First Midwest Bank will accept Bridgeview Bank credit card payments. 16 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

17 About Your Accounts Wire Transfers As of 05/13/19, you may request a wire transfer at any First Midwest Bank branch. Your wire transfer request will be processed directly with First Midwest Bank s Wire Transfer Department on business days between the hours of 9:00am CT to 3:00pm CT. If you have any questions, call the First Midwest Bank s Wire Transfer Department at Safe Deposit Boxes Effective 05/13/19, First Midwest Bank s safe deposit box fees will apply. Please refer to the General Fee Schedule in the Retail Account Agreement beginning on page 43. You should continue to send your rental payments to the branch where your box is located. Any rental pricing changes will be communicated prior to your contract expiration date. Automated Phone Banking On 05/13/19, you will have 24/7 access to First Midwest Bank-Line, our automated phone banking system, which can be accessed by dialing To access First Midwest Bank-Line, you will need to enter your entire account number. When prompted for your PIN, enter the PIN you currently use for Bridgeview Bank s Telephone Banking. If you have not previously used Bridgeview Bank s Telephone Banking, your PIN for First Midwest Bank-Line is established as the last four digits of the primary account holder s Social Security Number. We recommend changing your PIN at your earliest convenience for security purposes. You may also contact the First Midwest Bank Customer Care Center at for assistance. If you currently have accounts set up to allow phone transfers, that functionality will remain the same. For more information regarding First Midwest Bank-Line, please refer to the Instant Answer Center, our knowledge database at FirstMidwest.com/GetAnswers Refer to the Important Dates Schedule. Access to Bridgeview Bank s Telephone Banking ends at 5:00pm CT on 05/10/19. Access to First Midwest Bank-Line will be available at 8:00am CT on 05/13/19. Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 17

18 About Your Wealth Management Accounts Bridgeview Wealth Management Attention Current Bridgeview Wealth Management Clients If you have an existing investment account with Bridgeview Wealth Management, you will be receiving additional communication from First Midwest Financial Network. In the meantime, if you have any questions regarding options, please contact your Bridgeview Wealth Management Financial Consultant* directly at About First Midwest Financial Network** First Midwest Financial Network offers a global perspective with strong local knowledge to help you seek financial balance. Together with today s leading providers, we have access to a wide array of products and services, including: Watch for additional communication from First Midwest Financial Network. Investments Advisory Account Services Individual Stocks Bonds (Taxable and Tax-Advantaged) Mutual Funds Alternative Investments IRAs (Roth, Self-Directed, Traditional) Annuities (Fixed and Variable) 529 Plans Exchange Traded Funds (EFTs) Retirement Plans (401K, SEP, Simple Plans) Insurance Life - Term - Whole - Universal - Indexed Universal - Variable Universal Asset Protection - Long-Term Care (LTC) - Disability Planning & Advice Uncover your short- and long- term objectives Analyze and evaluate your current financial condition Recommend strategies that support your individual goals Provide strategies that give you momentum *Bridgeview Wealth Management is a division of Bridgeview Bank. Securities offered through LORIA Financial Group, LLC, a Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services offered through MPS LORIA Financial Planners, LLC, a Registered Investment Advisory Firm. Neither LORIA Financial Group, LLC nor MPS LORIA Financial Planners, LLC are affiliated with Bridgeview Bank or Bridgeview Wealth Management. **First Midwest Financial Network is a division of First Midwest Bank. Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. First Midwest Bank, First Midwest Financial Network, Bridgeview Wealth Management, and Bridgeview Bank are not registered brokers/ dealers and are not affiliated with LPL Financial. Not FDIC-Insured Not Bank-Guaranteed May Lose Value Not Insured by Any Federal Government Agency Not a Bank Deposit 18 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

19 Convenient Locations WISCONSIN ILLINOIS Johnsburg McHenry Round Lk. Beach Grayslake Gurnee 131 Winthrop Harbor Zion Beach Park Waukegan North Chicago First Midwest Bank Bridgeview Bank N Mundelein Vernon Hills Lake Forest Arlington Heights Deerfield Buffalo Grove Find the most convenient location for your banking needs. Visit FirstMidwest.com/Locations Genoa Schaumburg Des Plaines 94 Lake Michigan 64 Sycamore DeKalb Elburn Villa Park River Grove Melrose Park 41 Chicago Oswego Aurora Naperville Bolingbrook Westmont Woodridge 355 Hickory Hills Bridgeview Oak Lawn Alsip Sandwich Minooka 6 Plainfield Shorewood Palos Heights 294 Blue Island 55 Orland Park Crestwood 394 Lockport Midlothian Homer Glen 6 57 Lansing 30 Crest Hill 80 Munster Tinley Pk. 6 Mokena Country Club Hills Homewood Chicago Hts. Frankfort Dyer Crete Highland Griffith Gary Schererville Merrillville St. John Seneca Morris 47 Coal City 57 Monee Peotone 394 ILLINOIS INDIANA 231 Winfield Allpoint ATM Access First Midwest Bank is a member of the Allpoint Network. As a Bridgeview Bank Debit Mastercard holder or First Midwest Bank Debit Mastercard holder, you will continue to have free access to over 55,000 surcharge-free ATMs nationwide as part of the Allpoint Network. ATM card transactions are only surcharge-free at First Midwest Bank ATMs. Visit FirstMidwest.com/Locations to find an ATM near you. Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 19

20 Notes: 20 Call First Midwest Bank Customer Care Center Visit FirstMidwest.com

21 NOTIFICATION & AMENDMENT Change In Terms Notification Amendment of Retail Account Agreement from Bridgeview Bank Group ( Bridgeview Bank ) Questions? Visit Our 24/7 Instant Answer Center FirstMidwest.com/GetAnswers 21

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23 CHANGE IN TERMS NOTIFICATION ( CIT NOTICE ) AND AMENDMENT OF ACCOUNT AGREEMENT FROM BRIDGEVIEW BANK GROUP* THIS CIT NOTICE HIGHLIGHTS IMPORTANT CHANGES TO YOUR ACCOUNT TERMS INCLUDING FEES THAT BECOME EFFECTIVE ON THE DATE SPECIFIED IN THE WELCOME LETTER AND IMPORTANT DATES SCHEDULE THAT WERE SENT WITH THIS CIT NOTICE (THE EFFECTIVE DATE ). ON AND AFTER THE EFFECTIVE DATE, THE FIRST MIDWEST BANK RETAIL ACCOUNT AGREEMENT AND DISCLOSURE INCLUDED WITH THIS CIT NOTICE ( RETAIL ACCOUNT AGREEMENT ) WILL AMEND AND REPLACE YOUR CURRENT ACCOUNT AGREEMENT WITH BRIDGEVIEW BANK GROUP ( BRIDGEVIEW BANK ) AND THESE NEW TERMS, CONDITIONS AND FEES WILL BE APPLICABLE TO YOUR DEPOSIT ACCOUNT, INCLUDING THE NEW GENERAL FEE SCHEDULE WHICH IS PART OF THE ENCLOSED RETAIL ACCOUNT AGREEMENT. ACCOMMODATION FEE WAIVERS PREVIOUSLY PROVIDED BY BRIDGEVIEW BANK WILL NO LONGER APPLY AND FEES WILL BE CHARGED AS DESCRIBED IN THE GENERAL FEE SCHEDULE INCLUDED IN THE ATTACHED RETAIL ACCOUNT AGREEMENT OF FIRST MIDWEST BANK. IF YOU CONTINUE TO USE YOUR ACCOUNT(S) OR KEEP YOUR ACCOUNT(S) OPEN AFTER THE EFFECTIVE DATE, THE FIRST MIDWEST BANK RETAIL ACCOUNT AGREEMENT, INCLUDING THESE NEW TERMS, CONDITIONS AND FEES WILL APPLY TO YOU AND YOUR ACCOUNT. IF YOU HAVE QUESTIONS REGARDING THIS CIT NOTICE OR YOUR NEW RETAIL ACCOUNT AGREEMENT TERMS OR FEES, PLEASE CONTACT THE FIRST MIDWEST BANK CUSTOMER CARE CENTER AT IMPORTANT INFORMATION ABOUT ARBITRATION On the Effective Date your Account(s) will be subject to a mandatory arbitration provision and you will no longer be able to elect to resolve any disputes related to your Account(s) in court. Please read the arbitration section of your Retail Account Agreement closely. If you do not want to agree to mandatory arbitration contact the First Midwest Bank Customer Care Center at and you will receive information on closing your Account(s). * Your Account Agreement with Bridgeview Bank includes all of the following as applicable to your Account: Terms and Conditions of Your Account, Electronic Disclosures and Notices, Notice of Negative Information, Electronic Funds Transfers-Your Rights and Responsibilities, Your Ability to Withdraw Funds and Substitute Checks and Your Rights and Common Fees. Bridgeview Bank 1 First Midwest Bank

24 TABLE OF CONTENTS IMPORTANT NOTICE AND CHANGE IN TERMS FOR ACCOUNT AGREEMENTS... page 3 ACCOUNT CONVERSION TABLE AND SUMMARY OF CHANGES... page 3 CHANGES TO YOUR DEPOSIT ACCOUNT AGREEMENT... page 11 CHANGES TO YOUR ELECTRONIC FUNDS TRANSFER DISCLOSURE... page 20 CHANGES TO YOUR FUNDS AVAILABILITY SCHEDULE... page 24 CHANGES TO FEES... page 24 RETAIL ACCOUNT AGREEMENT AND DISCLOSURE... page 28 FIRST MIDWEST BANK PRIVACY POLICY... page 47 2

25 BRIDGEVIEW BANK GROUP IMPORTANT NOTICE AND CHANGE IN TERMS FOR ACCOUNT AGREEMENTS This Important Notice and Change in Terms ( Notice ) is being issued by Bridgeview Bank Group ( Bridgeview Bank ) in connection with the acquisition of Bridgeview Bank by First Midwest Bank ( First Midwest Bank, Bank, our, we or us ) as described in the Consumer Resource Guide you received with this Notice. The Effective Date for these changes is included in the letter and Important Dates Schedule that accompanied your Consumer Resource Guide and this Notice. This Notice identifies the new First Midwest Bank deposit Account(s) that replace your Bridgeview Bank deposit Account(s) beginning on the Effective Date and describes certain changes to the terms and conditions and fees that will apply to your Account(s). The changes in terms described in this Notice, the Effective Date, and the transaction described in the welcome letter remains subject to the approval of the shareholders of Bridgeview Bancorp, Inc., the parent of Bridgeview Bank, obtaining regulatory approvals for the transaction, and the satisfaction of other customary closing conditions. On the Effective Date, your Bridgeview Bank Account Agreement, including Terms and Conditions of Your Account, Electronic Disclosures and Notices, your Notice of Negative Information, Electronic Fund Transfers Your Rights and Responsibilities disclosure, Your Ability to Withdraw Funds disclosure (Funds Availability), your Substitute Checks and Your Rights disclosure, and your Common Fees disclosure will be replaced with the First Midwest Bank Retail Account Agreement and Disclosure ( Retail Account Agreement ), including the General Fee Schedule, Deposit Account Pricing Schedule, Electronic Funds Transfers Agreement and Funds Availability Policy contained therein. Please review this Notice and keep a copy with your important records. If you have questions regarding this Notice, your welcome letter, the Resource Guide or the Retail Account Agreement, please contact the First Midwest Bank Customer Care Center at If you continue to use your Account(s) or keep your Account(s) open after the Effective Date, these terms and conditions and fees will apply to you and your Account(s). ACCOUNT CONVERSION TABLE AND SUMMARY OF CHANGES Listed below in the Account Conversion Table and Summary of Changes are important changes to your Account(s). In addition to the changes identified below, your Account will be subject to the terms of the Retail Account Agreement including the fees contained in the General Fee Schedule. Accommodation fee waivers previously negotiated with Bridgeview Bank will terminate on the Effective Date. BRIDGEVIEW BANK ACCOUNT NAME Edge Checking NEW FIRST MIDWEST BANK ACCOUNT NAME Easy Checking WHAT IS CHANGING? The minimum opening deposit is $ (no change). The monthly maintenance fee is decreased to $7.49. In order to avoid the monthly maintenance fee, you must either (1) maintain an average daily balance in your Account of $100.00; (2) make qualifying deposits totaling $ or more during a statement period; or (3) upon request, if the Account holder is at least 65 years of age. If you have a Bridgeview Bank Debit Mastercard today, you will receive a First Midwest Bank Debit Mastercard with no fees for any transaction at a First Midwest Bank or Allpoint ATM. You will be charged a $3.00 fee for transactions at ATMs not owned by First Midwest Bank or not part of the Allpoint network. Your dormant Account fee is increased to $10.00/month and charged after your Account has been dormant for 12 months. You will be charged an early closure fee of $25.00 if within 12 months of opening your Account you close your Account. You may choose to receive paper statements or electronic statements with no check images at no charge. If you choose to receive check images with your paper statements, you will be charged a $2.50 fee per month. You will not earn interest. 3

26 Premium Checking Elite Checking Midwest Checking Diamond Checking The minimum opening deposit is decreased to $ The monthly maintenance fee is decreased to $ In order to avoid the monthly maintenance fee, you must either (1) maintain a minimum daily ledger balance in your Account of $2,500.00; or (2) maintain a minimum of $1, in Direct Deposits into the Account per month. If you have a Bridgeview Bank Debit Mastercard today, you will receive a First Midwest Bank Debit Mastercard with no fees for any transaction at a First Midwest Bank or Allpoint ATM. You will be charged a $3.00 fee for transactions at ATMs not owned by First Midwest Bank or not part of the Allpoint network. Your interest rate is a variable tiered rate. You will receive interest on your entire Account balance. The Annual Percentage Yields (APYs) in effect for Midwest Checking as of 03/01/19 are as follows: $0.00 $9, = 0.01% $10, $24, = 0.02% $25, $49, = 0.03% $50, $99, = 0.03% $100, = 0.03% Interest is compounded daily and credited monthly. Your dormant Account fee is increased to $10.00/month and charged after your Account has been dormant for 12 months. You may choose to receive paper statements at no charge. You will not be charged a fee to receive check images. You will be charged an early closure fee of $25.00 if within 12 months of opening your Account you close your Account. The minimum opening deposit is $ (no change). The monthly maintenance fee is increased to $ The monthly maintenance fee is waived if you maintain a Mortgage, Home Equity Loan or Line, Personal Trust or Private Banking relationship; minimum $25, invested balances with First Midwest Financial Network; or maintain a $25, Average Daily Balance in combined Checking, Savings, Money Market and/or CD accounts. If you have a Bridgeview Bank Debit Mastercard today, you will receive a First Midwest Bank Debit Mastercard with no fees for any transaction at a First Midwest Bank or Allpoint ATM. You will not be charged a fee on the first four transactions at ATMs not owned by First Midwest Bank or not part of the Allpoint network. However, after the first four transactions, you will be charged a $3.00 fee for transactions at ATMs not owned by First Midwest Bank or not part of the Allpoint network. Your interest rate is a variable tiered rate. You will receive interest on your entire Account balance. The Annual Percentage Yields (APYs) in effect for Diamond Checking as of 03/01/19 are as follows: $0.00 $9, = 0.01% $10, $24, = 0.03% $25, $49, = 0.05% $50, $99, = 0.06% $100, = 0.08% Interest is compounded daily and credited monthly. Your dormant Account fee is increased to $10.00/month and charged after your Account has been dormant for 12 months. You may choose to receive paper or electronic statements at no charge. You will not be charged a fee to receive check images. You will be charged an early closure fee of $25.00 if within 12 months of opening your Account you close your Account. 4

27 Checking Accounts with Year-to- Date Average Ledger Balance of less than or equal to $5, as of 02/28/19. Checking Accounts with Year-to- Date Average Ledger Balance of greater than $5, and equal to or less than $30, as of 02/28/19. Easy Checking Midwest Checking The minimum opening deposit is $ The monthly maintenance fee is increased to $7.49. In order to avoid the monthly maintenance fee, you must either (1) maintain an average daily balance in your Account of $100.00; (2) make qualifying deposits totaling $ or more during a statement period; or (3) upon request, if the Account holder is at least 65 years of age. If you have a Bridgeview Bank Debit Mastercard today, you will receive a First Midwest Bank Debit Mastercard with no fees for any transaction at a First Midwest Bank or Allpoint ATM. You will be charged a $3.00 fee for transactions at ATMs not owned by First Midwest Bank or not part of the Allpoint network. Your dormant Account fee is increased to $10.00/month and charged after your Account has been dormant for 12 months. You will be charged an early closure fee of $25.00 if within 12 months of opening your Account you close your Account. You may choose to receive paper statements or electronic statements with no check images at no charge. If you choose to receive check images with your paper statements, you will be charged a $2.50 fee per month. You will not earn interest. The minimum opening deposit is $ The monthly maintenance fee is increased to $ In order to avoid the monthly maintenance fee, you must either (1) maintain a minimum daily ledger balance in your Account of $2,500.00; or (2) maintain a minimum of $1, in Direct Deposits into the Account per month. If you have a Bridgeview Bank Debit Mastercard today, you will receive a First Midwest Bank Debit Mastercard with no fees for any transaction at a First Midwest Bank or Allpoint ATM. You will be charged a $3.00 fee for transactions at ATMs not owned by First Midwest Bank or not part of the Allpoint network. Your interest rate is a variable tiered rate. You will receive interest on your entire Account balance. The Annual Percentage Yields (APYs) in effect for Midwest Checking as of 03/01/19 are as follows: $0.00 $9, = 0.01% $10, $24, = 0.02% $25, $49, = 0.03% $50, $99, = 0.03% $100, = 0.03% Interest is compounded daily and credited monthly. Your dormant Account fee is increased to $10.00/month and charged after your Account has been dormant for 12 months. You may choose to receive paper statements at no charge. You will not be charged a fee to receive check images. You will be charged an early closure fee of $25.00 if within 12 months of opening your Account you close your Account. 5