sOlutiOns - Busey Bank

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WELCOME
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Welcome to Busey!
America’s
Most Trustworthy
For the second consecutive year,
Forbes recognized First Busey
Corporation as one of America’s
Most Trustworthy Companies for
its exemplary model of openness
and integrity. This is the only list
We’re excited to welcome you to the Busey family! The Busey team is committed to
exceeding your needs and is dedicated to helping you achieve your financial goals.
This brochure is provided to help make your transition to Busey as smooth and
seamless as possible by providing an overview of what to expect during the coming
weeks. We are pleased to introduce you to Busey’s products and services, as well as
provide detailed account descriptions, disclosures and key dates. Please review this
information carefully.
trustworthiness of a business—
We want to ease your transition and help you better understand the opportunities
available to you at Busey. If you have any questions about your new accounts or the
terms outlined in the enclosed materials, please call us at 1.800.67BUSEY.
utilizing additional measures rarely
Our Customer Support Center is open:
incorporated in traditional analysis,
Central Time
Monday – Friday 7:30 am to 8 pm
Saturday 8 am to 5 pm
of its kind that focuses on the true
which is an important factor in trying
to understand value. We are honored
to be part of such a prestigious
group—a tribute to our success over
the past 145 years.
We look forward to partnering with you and thank you for the opportunity to serve
your financial needs. For more information about the Busey family of services, visit
busey.com or stop by one of our many convenient locations for solutions to your
banking and wealth management needs.
For more information on the upcoming conversion, please visit busey.com.
Corporate Profile
First Busey Corporation (Nasdaq:BUSE) is a $3.5 billion financial holding
company headquartered in Champaign, Illinois. Busey Bank, First Busey
Corporation’s wholly-owned bank subsidiary, is also headquartered in
Champaign, Illinois and has twenty-eight banking centers serving Illinois, a
banking center in Indianapolis, Indiana, and seven banking centers serving
southwest Florida. 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 $3.5 billion as of
September 30, 2014.
In addition, First Busey Corporation owns a retail payment processing
subsidiary, FirsTech, Inc., through Busey Bank, which processes over 22
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 firstechinc.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, 2014, Busey
Wealth Management’s assets under care were approximately $5.0 billion.
For more information about Busey, visit busey.com.
contents
Map of Peoria/Tazewell Locations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
List of Additional Branch Locations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
About Busey. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Conversion Highlights. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Important Dates—Mark Your Calendar. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Important Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Account Access. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Personal Checking Solutions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Overdraft Advantage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Card Services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Personal Savings Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Personal Lending Solutions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Commercial and Small Business Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Wealth Management Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Busey. Your Dream. Our Promise.
1
90
map of locations
8
9
6
Peoria
1 2
5 4
Pekin
3
1. Herget Main; 33 S. 4th, Pekin, IL
2.Herget Broadway; 2201 Broadway, Pekin, IL
3.Herget Sunset; 2900 Court St., Pekin, IL
4.Herget ATM; 2111 Court St. (inside Food Depot), Pekin, IL
5.Herget ATM; 600 S. 13th (inside Pekin Hospital), Pekin, IL
6.Busey branch & ATM @ Kumpf; 405 N. William Kumpf Blvd., Peoria, IL
7. Busey branch & ATM @ Becker Building; 107 S.W. Jefferson St., STE 100B, Peoria, IL
8.Busey Grand Prairie; 7810 N. Route 91, Peoria, IL
9.Busey Sheridan; 6699 N. Sheridan Rd., Peoria, IL
2
❢
listing of Additional locationS!
Urbana
201 W. Main St.
Urbana, IL 61801
North
2505 N. Water St.
Decatur, IL 62526
Windsor & Duncan
3002 W. Windsor Rd.
Champaign, IL 61822
Shelbyville
200 W. Main St.
Shelbyville, IL 62565
Florida Market
McLean/Livingston Market
Gibson City
402 N. Sangamon Ave.
Gibson City, IL 60936
Del Prado
2524 Del Prado Blvd.
Cape Coral, FL 33904
College
201 W. College Ave.
Normal, IL 61761
Mahomet
312 E. Main St.
Mahomet, IL 61853
Englewood
211 S. Indiana Ave.
Englewood, FL 34223
Fairbury
115 N. Third St.
Fairbury, IL 61739
Paxton
140 W. Center St.
Paxton, IL 60957
North Port
14803 Tamiami Trail
North Port, FL 34287
LeRoy
301 E. Cedar St.
LeRoy, IL 61752
St. Joseph
104 N. Main St.
St Joseph, IL 61873
Port Charlotte
1490 Tamiami Trail
Port Charlotte, FL 33948
Parkway
2101 N. Veterans Pkwy.
Bloomington, IL 61704
Rantoul Autobank
1231 E. Grove Ave.
Rantoul, IL 61866
Punta Gorda
2815 Tamiami Trail
Punta Gorda, FL 33950
Veterans
1111 S. Veterans Pkwy.
Bloomington, IL 61701
Springfield & Country Fair
2011 W. Springfield Ave.
Champaign, IL 61821
Santa Barbara
2735 Santa Barbara Blvd.
Cape Coral, FL 33914
Washington
2402 E. Washington St.
Bloomington, IL 61704
Springfield & Randolph
314 S. Randolph St.
Champaign, IL 61820
Summerlin
7980 Summerlin Lakes Dr.
Fort Myers, FL 33907
Indiana Market
The Pines
2710 S. Philo Rd.
Urbana, IL 61802
Macon/Shelby Market
Champaign/Ford Market
909 Kirby
909 W. Kirby Ave.
Champaign, IL 61821
Campus
614 S. Sixth St.
Champaign, IL 61820
Tolono
128 E. Holden St.
Tolono, IL 61880
University
100 W. University Ave.
Champaign, IL 61820
Indianapolis
10321 N. Pennsylvania St.
Indianapolis, IN 46280
Decatur Main
130 N. Water St.
Decatur, IL 62523
Mt. Zion Plaza
2070 S. Mt. Zion Rd.
Decatur, IL 62521
3
ABOUT Busey
Serving Our Communities Since 1868
Busey is a community organization, committed to the dreams of its customers and
communities. We have built on our tradition of close relationships and broad financial
capabilities since we first opened our doors in 1868. Today, Busey is a leading financial
institution serving Illinois, Indiana and Florida. We occupy a unique position. We are large
enough to provide innovative products and services while making local decisions and
knowing our customers by name. We’ve come a long way since the beginning, yet our core
values instilled years ago—dedicated associates, strong customer partnerships and thriving
communities—remain cornerstones of Busey today.
As we grow forward, Busey is as dedicated to fulfilling our customers’ needs today as
when we first opened our doors more than 145 years ago. We are committed to bridging
community needs to better the quality of life for our customers, associates and area
citizens. At Busey, we are your partner for purpose and progress.
Managing All Your Financial Needs
From outstanding product offerings to committed, service-driven associates, Busey
provides an array of solutions, tailored to your specific needs. Busey is a leading financial
institution rated 5-Star Superior, the highest rating awarded by the bank rating service
BauerFinancial. With 39 conveniently located branches serving Illinois, Indiana and Florida;
over 70 ATMs; and our progressive financial management hub of online services, we make
it easy to securely manage your finances—whenever you want, wherever you are.
With five lines of business—personal, mortgage, commercial, cash management and wealth
management—working together as One Busey, we can 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
4
FDIC
CONVERSION highlights
➤ Simplified 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
online services, we make managing your banking relationship simple. (See pg. 11-20)
➤ Progressive Hub of Mobile and Online Services
Including Mobile Deposit for smartphones and tablets, Online Banking with eStatements,
Bill Payment, Popmoney, text banking, FinanceWorks and Debits2Dollars®— you can
securely manage your finances whenever you want, wherever you are. (See pg. 11)
➤ Enhanced Busey Debit MasterCard®
Offering extended warranty, price protection and satisfaction guarantee benefits, the
Busey Debit MasterCard® makes everyday purchases simple and eliminates the need to
carry checks and cash. (See pg. 15)
With your new Busey Debit MasterCard®, you’re automatically enrolled in our purchase
rewards program, Debits2Dollars®, letting you earn cash back on debit card purchases
with no points, no coupons and no hassle. Debits2Dollars® is an easy way to earn extra
cash by doing what you are already doing.
For more information on the upcoming conversion, please visit busey.com.
Busey. Your Dream. Our Promise.
5
important dates
Friday, March 13
• All branches open normal hours
•L
ast day to use Herget Bank business and consumer online banking;
see more information below
• Herget ATM cards expire; (See pg. 15)
Saturday, March 14
• All branches open normal hours
•C
ontinue to use Herget telephone banking for balance inquiry only;
see more information below
Sunday, March 15
• Stop using your Herget VISA® debit card by 11:59 pm
• Extended Customer Support hours from noon – 5 pm
Monday, March 16
• Begin using your new Busey Debit MasterCard®; (See pg. 15)
•B
egin using Busey Anytime Line at 1.800.672.8739 for telephone
banking; see more information below
•B
egin using Busey ebank, bill payment and Business Access @ Busey;
see more information below
Monday, April 13
•U
pdate your bank name and routing number for existing direct deposits
and/or automatic payments; see Account Information Summary for information
Conversion Weekend Details (Friday, March 13 – Sunday, March 15)
6
Branch Hours
•H
erget branches will be open normal business hours on Friday and
Saturday.
Customer Support
•C
ustomer Support will be available during normal hours on Friday,
7:30 am – 8 pm; Saturday, 8 am – 5 pm; with additional hours on Sunday,
noon – 5 pm, to assist with balance information, transfers, debit cards or to
answer questions.
Debit Cards
•Y
ou will receive your activated new Busey Debit MasterCard® in early
March. You will continue to use your Herget VISA® debit card until 11:59 pm
on Sunday, March 15. Beginning on Monday, March 16 you’ll use your
Busey Debit MasterCard® for all transactions.
Telephone Banking
•O
ver conversion weekend, you may access Herget telephone banking
for balance inquiries only. Beginning on Monday, you will be automatically
enrolled in Busey’s telephone banking system, Anytime Line. Please call
1.800.672.8739, select option one and use the last four digits of your social
security number for your initial login. You will be prompted to change
your password. Please contact Customer Support to get current account
information or make a transfer over the weekend.
Online Banking
and Bill Payment
•H
erget business and consumer online banking will be available until
Friday, March 13. Beginning on Monday, March 16 you will have access to
Busey’s online banking systems, ebank and Business Access @ Busey. You
will receive additional communication with your new login credentials in
mid-February. If you need account information or to make a transfer over
conversion weekend, please call Customer Support.
important information
➤Ensuring a Smooth Transition
All monthly maintenance fees on personal accounts will be waived until Monday, April 13.
Monthly maintenance fees on business accounts, with the exception of analysis and business
advantage accounts, will be waived until we meet with you personally to discuss the best option
for your unique business.
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 rare event a new account number is
necessary, we will contact you.
➤Account Statements and Notices
You may notice changes to the appearance of your monthly statement and account notices. All
customers will receive a final Herget statement generated on March 13. Your next statement will
be issued by Busey, and your statement schedule will remain the same. All earned interest with
Herget will be paid on March 13.
Important Note: If your regular statement date falls between March 16–20, you will receive your
first Busey statement on your regular statement date in April.
7
important information continued
➤FDIC Insurance
Rest assured your deposits will continue to be insured by the FDIC. 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 Herget Bank, your
deposits will be separately insured for six months. Certificates of Deposit at each bank will be
separately insured until the first maturity date after the combination of the banks. For more
information, contact us or visit FDIC.gov.
8
important information continued
➤IRS Reporting
Customers contributing to an IRA/HSA received a 5498 tax form from Herget for all
contributions made through December 31, 2014. In April, if you made a 2015 contribution for
the 2014 tax year, you will receive an additional 5498 tax form from Busey.
➤Loans, Lines of Credit and Money Line
While you may notice a few enhancements to your statement and notices, there will be no
change to the terms of your loan/line of credit. Any automatic deductions for payment on your
loan will continue with no disruption. If you have already established overdraft protection using
these lines of credit, this will transfer automatically with no action needed on your part.
You may continue to use your current coupon book and remit your payment as you have.
In addition, your loan account number on your statement and checks may change slightly.
You will receive complimentary Busey Home Equity Line of Credit checks to begin using on
March 16.
➤Direct Deposits and Automatic Payments
Busey will continue to process your existing direct deposits and recurring payments through
your new Busey account until April 13, by which time you will need to have updated your bank
name and routing number to ensure uninterrupted service.
For your convenience, a helpful Switch Kit is available on busey.com, or contact any banker
for personal assistance.
➤Pre-Authorized Transfers for Overdraft Protection
If you have an existing pre-authorized transfer between accounts to cover overdrafts, this will
carry over. To help minimize fees, we transfer funds in increments of $100 for a $5 charge per
transfer.
➤Personal and Business Checks
You may continue to use your existing Herget checks. When you reorder checks through
Deluxe, your routing number will be automatically updated. Busey Pillar Checking customers
receive complimentary checks.
Busey. Your Dream. Our Promise.
9
important information continued
➤Accessing Funds from your Savings Account
With online and phone transfer capabilities, in addition to in-person withdrawals, accessing your
savings account funds is simple. To comply with banking regulations, Herget ATM cards and
debit cards associated with Savings accounts only will expire on March 13. Please contact us or
see pg. 11 in this booklet for more information on your options.
➤Annual Statements for Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs)
You will continue to receive an end of year IRA statement. Current CD and 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.
➤Herget Credit Cards
Current Herget VISA® credit cardholders will receive a separate communication from Busey to
discuss their account(s).
➤Health Savings Accounts (HSAs)
Your HSA account(s) will continue to function as normal. The minimum balance requirement
on HSA accounts will be $1,500. If you currently have a Herget HSA VISA® debit card, you will
receive a new Busey HSA Debit MasterCard® in early March.
➤Safety Deposit Boxes
You will keep your current safety deposit box and your existing key. For billing purposes, you will
notice your safety 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 safety
deposit box anniversary date.
The new fee structure outlined below will take effect on the first billing following conversion:
HergetBusey
2 x 5
$25.00
$20.00
3 x 5
$30.00
$25.00
4 x 5
$32.00
$30.00
5 x 5
$37.00
$35.00
3 x 10
$38.00
$45.00
5 x 10
$50.00
$65.00
10 x 10
$73.00
$110.00
Key Deposit:
$10.00
Late Payment Fee: $5.00 after 30 days
10
Drilling Fee:
$125.00
Account Access
Carry your branch with you
Manage your finances whenever you want, wherever you are.
Anytime Line
Access to your account information over the phone, anytime at 1.800.672.8739.
Please reference pg. 6 for information about accessing phone banking during
conversion weekend.
ebank with eStatements
Access your accounts and statements securely online anytime, anywhere.
Busey Mobile App
Find the nearest branch or ATM, view balances, transfer funds and pay your bills
from your smartphone or tablet.
Mobile Deposit
Deposit checks whenever and wherever it’s convenient for you using Busey’s
Mobile App for smartphones and tablets.
Busey. Your Dream. Our Promise.
11
✍
personAL checking solutions
Benefits associated with your Herget checking accounts will be changing and will
convert to one of the products listed below.
Please refer to the enclosed Disclosures & Privacy Policy guide for complete terms
and conditions for each account.
Important Note: NOW accounts will be classified as interest-bearing accounts.
This will not affect the terms or conditions of your account.
Basic Checking
Capstone Checking
• No monthly minimum balance requirement
Enjoy all Pillar Checking benefits (see page 13)
plus:
• No monthly fee with a direct deposit,
automatic payment or eStatements; otherwise,
pay a $5 monthly maintenance fee
• Debit MasterCard®
• Unlimited ATM transactions at no charge at
Busey ATMs
Active Interest Checking
• No monthly fee with 5 processed transactions
per statement cycle and the required daily
minimum balance of $750; otherwise pay a
$15 monthly maintenance fee
• Interest earned daily at a tiered rate, when
minimum balance is maintained; interest paid
monthly
• Debit MasterCard®
• Unlimited ATM transactions at no charge at
Busey ATMs
• No monthly fee with $10,000 daily minimum
balance in Capstone Checking and $100,000
in combined checking, money market and/
or savings balances, or $500,000 in wealth
management assets; otherwise, pay a $30
monthly maintenance fee
• Interest earned daily at a tiered rate, when
minimum balance is maintained; interest paid
monthly
• Free specialty blue checks or $10 off any other
design
• Free small safe deposit box or 50% discount
off any other size
• No-fee telephone transfers
• Monthly reimbursement of up to 5 non-Busey
ATM surcharges
Interested in additional Busey solutions? We’re pleased to offer a complimentary
account review to discuss your unique banking needs.
12
✍ personAL checking solutions
continued
Pillar Checking - our flagship account
Enjoy all Basic Checking benefits plus:
• No monthly fee with $3,000 daily minimum balance, or $10,000 on deposit in any combination
of total 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
• No-fee official checks
• Rate increase available on standard CD products upon request
Pillar Club
Pillar Checking account holders — welcome to your Pillar Club! You are entitled to the seminars,
special events and travel opportunities offered exclusively to Pillar Club members through the
community calendar on busey.com.
Interested in Pillar Club? Contact us at [email protected] to learn more.
Important Note: Effective March 13, Herget Connections will no longer be offered.
Busey. Your Dream. Our Promise.
13
overdraft advantagE®
Overdraft Advantage® covers your overdrafts up to an assigned limit on personal and business
accounts so your checks and automatic payments are not returned to the merchant, saving you
additional charges. Debit MasterCard® purchases and ATM withdrawals may be covered as well if
you choose to opt in to have these items paid when there are non-sufficient funds in your account.
Overdraft Advantage® is automatically available to Herget customers with checking accounts. If
you wish to decline the Overdraft Advantage® service, please contact us.
Opting-In to Overdraft Advantage® with your Debit Card
You may opt in to Overdraft Advantage® to cover your everyday Busey Debit MasterCard®
transactions, regardless of the funds that exist in your account. More information will be included
with your new debit card.
14
CARD SERVICES
Busey Debit MasterCard®
A Busey Debit MasterCard® is a convenient alternative to carrying cash and checks and may
be used anywhere MasterCard® is accepted!
• Pay for your purchases while avoiding the hassles of writing a check.
• Enjoy more security than carrying cash.
• Access your cash at ATMs worldwide by visiting any machine with the MasterCard®, Cirrus,
Pulse or Presto logo.
• Enjoy surcharge-free access to more than 70 Busey affiliated ATMs throughout Illinois,
Indiana and Florida ($1 fee per ATM transaction made at non-Busey owned or affiliated
ATMs).
• Manage your purchases on your detailed monthly statement of all transactions.
Your Busey Debit MasterCard® offers extended warranty, price protection and satisfaction
guarantee benefits.
With your new Busey Debit MasterCard®, you’re automatically enrolled in our purchase
rewards program, Debits2Dollars®, letting you earn cash back on debit card purchases with no
points, no coupons and no hassle. Debits2Dollars® is an easy way to earn extra cash by doing
what you are already doing.
Important Note: Effective March 13, ATM cards and debit cards associated with Savings
accounts only will expire and no longer be available.
Busey. Your Dream. Our Promise.
15
personal savings solutions
Regular Savings
Busey’s Regular 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 and Busey Mobile Banking, our safe, secure—and free—online banking.
Minor Savings
It’s never too early to begin saving. Learning how to handle money at a young age can build the
foundation for good financial habits. Start a custodial savings account with an initial gift and watch
it grow. Busey’s Minor Savings accounts earn interest and carry no monthly balance requirements.
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 31 of
each year
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.
16
personal savings solutions
continued
Certificates of Deposit
Certificates of Deposit (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.
Portfolio Certificate of Deposit
Available only to our Pillar Checking customers, the Portfolio Certificate of Deposit (CD) offers
greater earning power and capital preservation by dividing a minimum deposit of $7,500 equally
among three termed certificates—12-month, 24-month and 36-month. Known as “laddering
maturities,” investing similar balances in multiple certificate terms provides many benefits:
• Higher interest rates—longer term investments typically pay higher interest rates and do not
require you to attempt to predict interest rate movements
• Stable flow of income—a portion of your money is regularly available as different CDs mature
• Liquidity—a portion of your investment will re-price in the market
• Preservation of capital—CDs are insured for up to the maximum allowed by the FDIC
Important Note: Your existing CDs and IRAs will adjust to Busey interest rates, early withdrawal
penalties and maturity terms on the first renewal date after March 13.
Busey. Your Dream. Our Promise.
17
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 lineup of consumer loan products including personal loans, home equity loans,
mortgage loans, auto 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. Finance your
dream with an Illinois Housing Development
Authority (IHDA) Top Lender. Our competitive
rates, personal service, wide variety of financing
options and quick approval process make home
mortgages for purchase or refinance simple and
convenient. With offices in Illinois, Indiana and
Florida, Busey offers convenience and expertise
throughout the mortgage process. Visit our
mortgage loan center at busey.com for more
information about buying a home, including
current loan rates and resources, 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
Put your most valuable asset to work for you
with Busey’s Home Equity Line of Credit (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
• 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 and enjoy:
• Competitive rates
• Fixed installment payments
• Flexible payments
• Flexibility of continual use of funds
Important Note: All Herget HELOC debit cards will expire on March 10, as outlined in your
communication dated February 2.
18
Commercial and
Small Business Solutions
With Busey, you gain a top partner for your business’ bottom line. Our participation in a wide
variety of specialized programs allows us to tailor lending packages to your unique situation.
Regardless of size, you can rest assured 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.
What’s more, 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 at Busey and have done for more than 145 years. We have an
array of specialties and experience, ensuring you have a partner who truly understands the
way your business operates. We know the challenges you face.
In order to ensure we are meeting the needs of your business, we will meet with you
personally to discuss the best business account(s) and additional solutions for your unique
financial needs. Please refer to page 7 for more information.
To learn more about our offerings, visit busey.com.
Busey. Your Dream. Our Promise.
19
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
over 30 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 $5.0 billion in assets under care, Busey Wealth Management is ranked in the top 10 percent
nationally by size as compared to peers, and is the second 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. With eight members on staff who are credentialed financial services professionals
and nearly 140 years of combined experience, we 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.
20
i
Welcome to Busey!
America’s
Most Trustworthy
For the second consecutive year,
Forbes recognized First Busey
Corporation as one of America’s
Most Trustworthy Companies for
its exemplary model of openness
and integrity. This is the only list
We’re excited to welcome you to the Busey family! The Busey team is committed to
exceeding your needs and is dedicated to helping you achieve your financial goals.
This brochure is provided to help make your transition to Busey as smooth and
seamless as possible by providing an overview of what to expect during the coming
weeks. We are pleased to introduce you to Busey’s products and services, as well as
provide detailed account descriptions, disclosures and key dates. Please review this
information carefully.
trustworthiness of a business—
We want to ease your transition and help you better understand the opportunities
available to you at Busey. If you have any questions about your new accounts or the
terms outlined in the enclosed materials, please call us at 1.800.67BUSEY.
utilizing additional measures rarely
Our Customer Support Center is open:
incorporated in traditional analysis,
Central Time
Monday – Friday 7:30 am to 8 pm
Saturday 8 am to 5 pm
of its kind that focuses on the true
which is an important factor in trying
to understand value. We are honored
to be part of such a prestigious
group—a tribute to our success over
the past 145 years.
We look forward to partnering with you and thank you for the opportunity to serve
your financial needs. For more information about the Busey family of services, visit
busey.com or stop by one of our many convenient locations for solutions to your
banking and wealth management needs.
For more information on the upcoming conversion, please visit busey.com.
Corporate Profile
First Busey Corporation (Nasdaq:BUSE) is a $3.5 billion financial holding
company headquartered in Champaign, Illinois. Busey Bank, First Busey
Corporation’s wholly-owned bank subsidiary, is also headquartered in
Champaign, Illinois and has twenty-eight banking centers serving Illinois, a
banking center in Indianapolis, Indiana, and seven banking centers serving
southwest Florida. 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 $3.5 billion as of
September 30, 2014.
In addition, First Busey Corporation owns a retail payment processing
subsidiary, FirsTech, Inc., through Busey Bank, which processes over 22
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 firstechinc.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, 2014, Busey
Wealth Management’s assets under care were approximately $5.0 billion.
For more information about Busey, visit busey.com.
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