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Frequently Asked Questions - continued

Loan Accounts

Will the terms of my loan change?
The loan terms remain unchanged until maturity for nearly all loans. If the terms of your loan
are changing as a result of the conversion, you will be notified in a separate mailing prior to the
conversion date.

I currently pay my loan with a coupon book from First Clover Leaf Bank.
Will I get a new coupon book from First Mid?
First Mid sends out monthly billing notices to all loan customers instead of coupon books.
Once you begin receiving notices from First Mid, please destroy your First Clover Leaf Bank
coupon book and make your future payments with the notice you receive from First Mid.

Please review this Important Notice Regarding Loan Payments:

All loan payments must be accompanied by the account number or payment notice
provided. Unless previously notified of a servicer change to your mortgage loan, your
loan payments can be mailed to the address listed on your new notice (P.O. Box 499,
Mattoon, IL 61938) or P.O. Box 540, Edwardsville, IL 62025, or a payment can be made
in person at any of our First Mid banking centers.

Our hours of operation for receiving loan payments are generally 9:00 a.m. – 5:00 p.m.,
Monday – Friday, except bank holidays. All other payments received will be credited as
of the next loan operations business day or as otherwise permitted by law.

Can I still use my present supply of checks for my Home Equity Line of Credit?
Yes, you may continue to use your First Clover Leaf Bank checks after conversion. As you need
to reorder checks, visit your local First Mid banking center or call the Customer Solutions
Center at 877-888-5629.
If you currently order checks from a vendor other than Harland Clarke or Deluxe, you will need
to provide them with your new account number and First Mid’s routing number, which is
071102076. Your local banking center can assist you with this.

Will I receive a card to access my Home Equity Line of Credit (HELOC)?
Yes. If you currently access your HELOC with a card, you will receive a credit card from First Mid
that is linked directly to your HELOC with the same limits as your First Clover Leaf Bank card.
You should receive your new card, new PIN and activation instructions in March 2017.
Please do not use this card prior to March 17, 2017.

Your First Cloverleaf Bank HELOC card will no longer be active after 5:00 p.m. on Friday,
March 17, 2017.
Due to the conversion process taking place over the weekend, use of your card could be
limited or periodically interrupted. Please plan ahead and consider carrying alternative forms
of payment.

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