Page 7 - Cusmomer Guide
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I currently have the ability to complete transfers to/from my accounts at
        another institution.  Does First Mid offer this feature?
        If you currently have an external transfer set up, those will continue with no interruption.
        Please review your statements and notify us immediately if a transfer does not occur.

        For new external transfers, First Mid offers these through our Online Bill Pay service.  Simply
        sign up for Online Banking and Bill Pay and utilize PopMoney or A2A (account to account) to
        complete these transactions.
        Will my stop payments remain in effect?
        Stop payments associated with funds coming out of your account (debit) will remain in effect;
        however, deposit (credit) stops that you have set up on your account will not convert.  If a
        deposit posts to your account that you did not authorize or you wanted stopped, please
        contact your First Mid banking center and we will assist you in returning the item.

        Individual Retirement Account (IRA)
        Will First Mid become the custodian of my IRA?
        First Mid will become the new custodian of all IRA plans as of the close of business on March 17,
        2017.  These plans include Traditional, Roth, SEP and Educational IRAs.  If you have questions about
        the transfer of the custodians, please contact the Customer Solutions Center at 877-888-5629.

        Tax Reporting for you IRA
        You should have already received your 2016 tax forms 1099-R from First Clover Leaf Bank for the
        activity that occurred through December 31, 2016.  You will receive your form 5498 for 2016 and
        all future  tax forms, if required by the IRS from First Mid.
        Required Minimum Distributions
        If you are required to take a Minimum Distribution (RMD) and do not take your RMD prior
        to March 17, 2017, please remember you must do so prior to December 31, 2017.  You will no
        longer receive a reminder from either First Clover Leaf Bank or First Mid.  If you currently
        have an automatic distribution set up, these will continue.  If you wish to set up an automatic
        distribution of your RMD, please visit any First Mid banking center.

























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