NEW CUSTOMER GUIDE You Have Attained the Age of 70 ½

CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our There will be no changes to the rates, terms, early automated telephone system, in person, through withdrawal penalties, or the way you receive your the mail, or automatic payment from an account interest on your current personal Certificates of outside of Old Second Bank. Deposit or IRA Certificates of Deposit until the first maturity date after June 8, 2018. Approximately 20 CREDIT CARDS days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded will receive new terms and conditions including credit card will be replaced with an Old Second changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, beneficiary designation remains the same as well as Elan. There will be no changes to the terms and the way you receive any mandatory distributions if conditions of your card unless you are notified by NEW CUSTOMER GUIDE you have attained the age of 70 ½. Elan. FROM OLD SECOND NATIONAL BANK For balance and other information on your CDs or BANK STATEMENTS IRAs, you can request your CDs be added to your You will receive a final checking, savings, and O2 Online Banking account, combine them with your money market activity statement from ABC Bank checking or savings statement, or call our automated with all activity through the end of business on CONTENTS free 24 hour phone system (INFOLINE) at June 8, 2018. This will be a paper statement. 888-892-6565. Your checking statements will be issued the 9th of each month going forward. Your monthly money WELCOME ...... 1 CONSUMER LOANS, HOME EQUITY LINES OF market statements will be issued at the end of CREDIT, MORTGAGE LOANS AND OVERDRAFT each month. Your savings statements will continue IMPORTANT DATES ...... 2 PROTECTION LINES OF CREDIT to cycle on the calendar quarter. There will be no changes in the rates, terms, or Q&A...... 3 conditions of your loan. Your payment due dates will If you receive your statements as electronic CHECKING ACCOUNTS...... 6 remain the same. If you had auto pay set up from statements, you will receive your Old Second Bank another account, it will continue. statements electronically if you re-enroll through SAVINGS ACCOUNTS ...... 7 O2 Online Banking by selecting eStatements. OTHER IMPORTANT ACCOUNT & SERVICE INFORMATION...... 8 Home Equity Lines of Credit and Overdraft There is a $3.95 monthly paper statement fee for Protection Lines of Credit with a balance or monthly some Old Second Checking types so it is very MORE SOLUTIONS ...... 10 activity will continue to receive a monthly activity and important to enroll in eStatements to avoid the LOCATIONS ...... 12 billing statement on the same cycle date that you fee. You can enroll in eStatements and view them had at ABC Bank. You will receive a statement with by clicking on the eStatement tab at the top of SOCIAL & HISTORY...... 13 activity cut-off at the end of business on June 8, your O2 Online Banking account. 2018. This is activity only and not a billing statement.

If you have a mortgage account with ABC Bank, you will receive a separate communication with more information in mid-May.

Old Second loan customers have several options for making their loan payments: automatic transfer

On May 18, 2018, you will be mailed additional O2 Online Banking is a user friendly, functional information on the O2 Debit Card including online banking system. Besides viewing account information on our SecurLOCK™ Equip App that balances and transactions on deposit and loan allows you to manage your debit card, accounts you can: transfer between accounts, MoneyPass® Surcharge Free ATM Network and make loan payments, make person to person App, and also other great benefits. payments, set up account and personal alerts, enroll and view your eStatements, order checks, ONLINE BANKING (PERSONAL) set up and schedule bill payments, set up mobile You will have access to view your ABC Bank Online or text banking, create a custom view of your Banking account until 9 a.m. on Monday, June 11, online banking with widgets, and use My Finance 2018. Prior to that cut-off, we recommend that to set and track financial goals and aggregate you print or save any history or account statements and account information from other information that you may need for your records. financial institutions. Go to The activity information on your ABC Bank online www.oldsecond.com/OnlineDemo to view our O2 banking account will not be transferred over to Online Banking Demos. your O2 Online Banking account. (Your account information will be available and can be provided MOBILE BANKING AND TEXT BANKING upon your request.) O2 Mobile Banking can be set-up by downloading the O2 App to your Android or Apple® device. If you have ABC Bank Bill Pay, it will be disabled on O2 Mobile Banking offers many of the same June 4, 2018, and you will no longer be able to account management options as you will find in view, schedule or change payments. Any payments our user friendly online banking service with the scheduled prior to June 8, 2018 will still be added ability to make deposits through your O2 processed. Your Bill Pay information should be App. Mobile Deposit is a great time saver and transferred automatically to O2 BillPay as well as easy to use. your scheduled recurring payments. EBills will no longer be available with O2 BillPay. If you need a quick way to check your balances or last account activity, set up O2 Text Banking Please take the time to verify that your BillPay through the Options Tab on your O2 Online information is correct. Banking account. Simple to set up and easy to use. The week of June 4, 2018, you will receive an email CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our There will be no changes to the rates, terms, early automated telephone system, in person, through withdrawal penalties, or the way you receive your the mail, or automatic payment from an account interest on your current personal Certificates of outside of Old Second Bank. Deposit or IRA Certificates of Deposit until the first maturity date after June 8, 2018. Approximately 20 CREDIT CARDS days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded will receive new terms and conditions including credit card will be replaced with an Old Second changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, beneficiary designation remains the same as well as Elan. There will be no changes to the terms and the way you receive any mandatory distributions if conditions of your card unless you are notified by you have attained the age of 70 ½. Elan.

If you have a mortgage account with ABC Bank, you will receive a separate communication with more information in mid-May.

Old Second loan customers have several options for making their loan payments: automatic transfer

CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our “On behalf of the Board of Directors, the management team, and There will be no changes to the rates, terms, early automated telephone system, in person, through all of our employees, please accept our warmest welcome to withdrawal penalties, or the way you receive your the mail, or automatic payment from an account Old Second National Bank. interest on your current personal Certificates of outside of Old Second Bank. Deposit or IRA Certificates of Deposit until the first As a member of the Old Second network, you will be part of a maturity date after June 8, 2018. Approximately 20 CREDIT CARDS strong financial organization that has consistently helped days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded individuals throughout the Chicago area for over 145 years. will receive new terms and conditions including credit card will be replaced with an Old Second We look forward to building on our existing relationship with you changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, long into the future.” beneficiary designation remains the same as well as Elan. There will be no changes to the terms and the way you receive any mandatory distributions if conditions of your card unless you are notified by James Eccher, President & CEO you have attained the age of 70 ½. Elan.

For balance and other information on your CDs or BANK STATEMENTS IRAs, you can request your CDs be added to your You will receive a final checking, savings, and O2 Online Banking account, combine them with your money market activity statement from ABC Bank ABOUT OLD SECOND NATIONAL BANK checking or savings statement, or call our automated with all activity through the end of business on free 24 hour phone system (INFOLINE) at June 8, 2018. This will be a paper statement. Unlike other Chicago area banks, our heritage traces the advancement and evolution of the 888-892-6565. Your checking statements will be issued the 9th of banking industry and the growth and expansion of the Chicago metropolitan area. The same each month going forward. Your monthly money local spirit that sparked that original group of early settlers to invest in and finance their CONSUMER LOANS, HOME EQUITY LINES OF market statements will be issued at the end of town’s growth helped guide us as Old Second expanded throughout Kane, Kendall, DeKalb, CREDIT, MORTGAGE LOANS AND OVERDRAFT each month. Your savings statements will continue Cook, LaSalle, DuPage, and Will counties. PROTECTION LINES OF CREDIT to cycle on the calendar quarter. There will be no changes in the rates, terms, or Old Second offers a complete array of business and personal banking products and services conditions of your loan. Your payment due dates will If you receive your statements as electronic that are designed with our customers and their financial goals in mind. We aspire to be a remain the same. If you had auto pay set up from statements, you will receive your Old Second Bank valued component in our customers’ lives and businesses. To do this, we strive to be highly another account, it will continue. statements electronically if you re-enroll through responsive to our customers’ needs through the creation of customized solutions. O2 Online Banking by selecting eStatements. Home Equity Lines of Credit and Overdraft There is a $3.95 monthly paper statement fee for Protection Lines of Credit with a balance or monthly some Old Second Checking types so it is very activity will continue to receive a monthly activity and important to enroll in eStatements to avoid the billing statement on the same cycle date that you fee. You can enroll in eStatements and view them had at ABC Bank. You will receive a statement with by clicking on the eStatement tab at the top of activity cut-off at the end of business on June 8, your O2 Online Banking account. 2018. This is activity only and not a billing statement.

If you have a mortgage account with ABC Bank, you will receive a separate communication with more information in mid-May.

Old Second loan customers have several options for making their loan payments: automatic transfer 4/18 1

CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through April 19, 2018 ..... Old Second National Bank acquires ABC Bank. ABC customer accounts will not INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our change to Old Second Bank accounts until after close of business on June 8th. There will be no changes to the rates, terms, early automated telephone system, in person, through withdrawal penalties, or the way you receive your the mail, or automatic payment from an account May 1, 2018...... New Customer Guide and Disclosures mailed—includes account terms, interest on your current personal Certificates of outside of Old Second Bank. conditions, fees and other important information about your accounts. Deposit or IRA Certificates of Deposit until the first maturity date after June 8, 2018. Approximately 20 CREDIT CARDS May 18, 2018 ...... Debit Card program information mailed to debit card holders. days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded will receive new terms and conditions including credit card will be replaced with an Old Second changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, June 1, 2018 ...... ABC Bank Debit Card holders should start receiving their new Old Second Bank beneficiary designation remains the same as well as Elan. There will be no changes to the terms and Debit Cards. If you do not receive your Old Second Bank Debit Card by June 6, the way you receive any mandatory distributions if conditions of your card unless you are notified by 2018, please call the Old Second Support Center at 877-866-0202. you have attained the age of 70 ½. Elan.

June 4, 2018 ...... The week of June 4, 2018, an email related to your new O2 Online Banking For balance and other information on your CDs or BANK STATEMENTS account will be sent to you. The email will contain your new O2 Online Banking ID, IRAs, you can request your CDs be added to your You will receive a final checking, savings, and your temporary password, and instructions on how to start using your online O2 Online Banking account, combine them with your money market activity statement from ABC Bank banking account which will be available the afternoon of June 10, 2018. checking or savings statement, or call our automated with all activity through the end of business on free 24 hour phone system (INFOLINE) at June 8, 2018. This will be a paper statement. June 4, 2018 ...... Your ABC Bank online bill pay capability will be disabled. You will no longer be 888-892-6565. Your checking statements will be issued the 9th of able to schedule any new payments, change payments or view bill pay activity and each month going forward. Your monthly money payees. Any payment scheduled to occur prior to June 8, 2018 will be completed CONSUMER LOANS, HOME EQUITY LINES OF market statements will be issued at the end of as scheduled. CREDIT, MORTGAGE LOANS AND OVERDRAFT each month. Your savings statements will continue PROTECTION LINES OF CREDIT to cycle on the calendar quarter. June 8, 2018 ...... After close of business, your ABC Bank accounts will be converted to Old Second There will be no changes in the rates, terms, or Bank accounts. For accounts that receive statements, your final ABC Bank conditions of your loan. Your payment due dates will If you receive your statements as electronic statement will be generated with all activity through the end of the business day. remain the same. If you had auto pay set up from statements, you will receive your Old Second Bank This will be a paper statement even if you normally receive an electronic another account, it will continue. statements electronically if you re-enroll through statement. Mobile deposit payments can only be made until 4 p.m. You will be O2 Online Banking by selecting eStatements. able to view your ABC Bank online activity through 9 a.m. on Monday, June 11, Home Equity Lines of Credit and Overdraft There is a $3.95 monthly paper statement fee for Protection Lines of Credit with a balance or monthly some Old Second Checking types so it is very 2018. activity will continue to receive a monthly activity and important to enroll in eStatements to avoid the billing statement on the same cycle date that you fee. You can enroll in eStatements and view them June 9, 2018 ...... All ABC branches will officially open as Old Second National Bank branches. had at ABC Bank. You will receive a statement with by clicking on the eStatement tab at the top of activity cut-off at the end of business on June 8, your O2 Online Banking account. June 10, 2018...... After 7 a.m. on Sunday, June 10, 2018, your ABC Bank Debit Card will no longer 2018. This is activity only and not a billing statement. work. At that time you can start using your Old Second Bank Debit Card to access your accounts. By Sunday afternoon, you will be able to sign in and access your If you have a mortgage account with ABC Bank, you O2 Online Banking and BillPay and set up your Mobile Banking. will receive a separate communication with more information in mid-May.

Old Second loan customers have several options for making their loan payments: automatic transfer 2 4/18

CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through Will the name of my bank change? Yes. At the number will need to be used when setting up new If I currently receive electronic statements on Currently if I use a non ABC Bank ATM that is Will my ABC Bill Pay payee information and any INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our close of business on April 19, 2018, Old Second direct deposit, ACH credits or debits, or wire transfers The next time you order checks through Old Second’s my accounts, will I still receive them part of the STAR® network, I can avoid recurring payments I set up be carried over to There will be no changes to the rates, terms, early automated telephone system, in person, through National Bank headquartered in Aurora, Illinois, from your account. preferred check vendor, Harland Clarke, (also ABC electronically? Yes. Old Second will continue to surcharge fees (fees charged by the ATM my account? Yes. Your payee information should be withdrawal penalties, or the way you receive your the mail, or automatic payment from an account purchased ABC Bank. ABC Bank branches will Bank’s preferred check vendor), your new checks will provide electronic statements. You will need to owner). Can I continue to avoid these surcharge added to O2 BillPay as well as scheduled recurring interest on your current personal Certificates of outside of Old Second Bank. become branches of Old Second National Bank. If your account number does need to be changed, a automatically be printed with the Old Second Bank re-enroll for eStatements through O2 Online fees? The Star® network ATMs will no longer be payments. EBills will no longer be available with Deposit or IRA Certificates of Deposit until the first Signage changes on the bank will not occur until the banker will contact you prior to account conversion. name and routing number. Banking. Your Old Second Bank statements can surcharge-free because Old Second is not a member. O2 BillPay. maturity date after June 8, 2018. Approximately 20 CREDIT CARDS weekend of June 9, 2018. Your ABC Bank deposit, then be viewed or downloaded from your O2 Online Old Second is a member of the surcharge free days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded loan and safe deposit box accounts will be converted Do I have to contact companies to change the Will my personal loan accounts change? No. Banking account. Your last ABC statement is a paper MoneyPass® ATM Network with over 25,000 ATMs Please carefully check your BillPay payees and will receive new terms and conditions including credit card will be replaced with an Old Second to Old Second Bank accounts at the close of business routing number on any direct deposit, or Your personal loan, home equity line of credit, statement. nationwide. Old Second also owns a scheduled payments to make sure they are correct. changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, on Friday, June 8, 2018. automated payments to or from my account? overdraft protection line, or mortgage loan will have network of over 60 ATMs located in the Chicago land beneficiary designation remains the same as well as Elan. There will be no changes to the terms and No. All recurring automated debits or credits from or the same terms, rates and maturity date. There will After June 8, 2018, who do I contact if I have area. Download the MoneyPass® App on your smart Does Old Second have mobile banking? Yes, Old the way you receive any mandatory distributions if conditions of your card unless you are notified by Will the hours of operation for my ABC branch to outside companies should continue as scheduled be no changes until the loan matures and is renewed, questions on my former ABC account? You can phone for easy access to locations of surcharge free Second has a Mobile Banking app for both Android™ you have attained the age of 70 ½. Elan. change? No. The business hours for your branch and there should be no interruptions. or you request the loan be modified. call your local branch or the Old Second Support MoneyPass® ATMs. and iOS® devices. Old Second’s Mobile Banking can will remain the same. Center at 877-866-0202. be set up by downloading the O2 Mobile App to your For balance and other information on your CDs or BANK STATEMENTS Will my deposit account type change? Yes. Your If you receive an activity and billing statement for your Will I have continued access to my ABC Bank device. Mobile Banking has many of the robust IRAs, you can request your CDs be added to your You will receive a final checking, savings, and Will I still be able to do the same banking ABC checking, savings, or money market account personal line of credit, overdraft protection or Home Will I continue to have overdraft protection on Online Banking and Bill Pay? You will only be able capabilities that O2 Online Banking has with the O2 Online Banking account, combine them with your money market activity statement from ABC Bank activities at my branch? Yes. You will still be able types will change. On page 6 of this guide, you will Equity Line of Credit you will receive an activity my checking account? Yes. Old Second offers to view your online banking activity until 9 a.m. on added time-saving Mobile Deposit function. checking or savings statement, or call our automated with all activity through the end of business on to conduct the same banking transactions at your find an account conversion table. This will tell you statement as of close of business on June 8th. You overdraft protection. The terms and conditions are Monday, June 11, 2018. At that time your ABC Bank Compatible Android™ and iOS® devices have Touch free 24 hour phone system (INFOLINE) at June 8, 2018. This will be a paper statement. local branch. After June 8, 2018 you will also have what your new account will be and the basic features. will receive an activity and billing statement from Old provided in the Personal Deposit Service Fees & Online Banking account will be disabled. (Applies to ID® Fingerprint Authentication. 888-892-6565. Your checking statements will be issued the 9th of additional banking services available: Health Savings A Personal Deposit Service Fees & Account Second on your regular billing date. Account Disclosures included in this packet. Personal Online Banking only) each month going forward. Your monthly money Accounts, Western Union® Money Transfer services, Disclosures booklet is included in this packet. In addition, through online banking you can set up CONSUMER LOANS, HOME EQUITY LINES OF market statements will be issued at the end of foreign currency purchase and redemption, and O2 If I have money automatically transferred from Will my ABC Debit Card work after June 8, 2018? Bill Pay will be disabled on June 4, 2018. You will no Text Banking for receiving quick balance and activity CREDIT, MORTGAGE LOANS AND OVERDRAFT each month. Your savings statements will continue gift cards and reloadable debit cards. If you have a certificate of deposit (CD), there will be my ABC checking account to my ABC loan or Your ABC Debit MasterCard® will work until Sunday, longer be able to schedule or cancel payments or information with a simple text command. PROTECTION LINES OF CREDIT to cycle on the calendar quarter. no change to your CD rate or terms until the first savings account will the transfers still occur June 10, 2018 at 7 a.m. view bill pay history including payee information. Any There will be no changes in the rates, terms, or Does Old Second have other branches in the maturity after June 8, 2018. Approximately twenty after conversion? Yes. If you have transfers payments scheduled to occur prior to June 8, 2018 What if I have business and commercial conditions of your loan. Your payment due dates will If you receive your statements as electronic Chicago area? Yes. Old Second Bank has 25 other days prior to the maturity date of your certificate of between deposit or loan accounts set-up to occur When will I receive my new debit card and when will still be processed. accounts and loans? If you have business or remain the same. If you had auto pay set up from statements, you will receive your Old Second Bank full service locations in Cook, DeKalb, DuPage, Kane, automatically, the transfers will continue in the same deposit, you will receive a maturity notice with new can I start using it? Your new Old Second Debit commercial accounts or loans, you will receive a another account, it will continue. statements electronically if you re-enroll through Kendall, LaSalle, and Will counties in Illinois. You will terms and conditions that will apply. amount, with the same frequency and on the same Card powered by Discover® should arrive in the mail We recommend that you print or save screen shots of separate Commercial Guide with information on the O2 Online Banking by selecting eStatements. be able to transact your banking at any Old Second dates. June 1-6, 2018. You will be able to activate it and any information from your ABC Bank Online Banking conversion of your accounts and loans to Old Second Home Equity Lines of Credit and Overdraft There is a $3.95 monthly paper statement fee for location on June 11, 2018. For other Old Second Your IRA account including your designated select your 4-digit Personal Identification Number account that you want to keep for your records. accounts and loans. Your banker can also answer Protection Lines of Credit with a balance or monthly some Old Second Checking types so it is very locations go to www.oldsecond.com/locations. beneficiaries will remain the same. If invested in an When will I receive my checking or savings (PIN) when you receive it but you will not be able to any questions you may have. activity will continue to receive a monthly activity and important to enroll in eStatements to avoid the IRA certificate of deposit, the rate, maturity date and account statement? You will receive a final ABC use the card until after 7 a.m. on Sunday, June 10, If I have ABC Bank Online Banking, will I billing statement on the same cycle date that you fee. You can enroll in eStatements and view them Will the staff stay the same at my ABC Bank other terms will remain the same until the maturity Bank deposit statement which includes all activity 2018. More detailed information on your debit card automatically be set up for O2 Online Banking? had at ABC Bank. You will receive a statement with by clicking on the eStatement tab at the top of branch? You will continue to see many of the same date of the IRA certificate of deposit. through the end of business on June 8, 2018. Your will be mailed to you on May 18, 2018. Yes. The week of June 4, 2018, you will receive an activity cut-off at the end of business on June 8, your O2 Online Banking account. familiar faces in your branch. first Old Second checking statement will cycle on July email with your new Online Banking ID, your 2018. This is activity only and not a billing statement. Will I still be able to use my ABC Bank checks 9, 2018 and the 9th of each month thereafter. Your You will need to contact any company that bills your temporary password and instructions on how to

Will my account numbers change? Most checking, and deposit tickets? Yes. Even though the ABA money market account will cycle at the end of each ABC Bank Debit Card directly to update your new activate your account. All of your accounts that are If you have a mortgage account with ABC Bank, you savings, and loan account numbers will remain the routing number is changing, your current checks and month. Your savings account will continue to cycle on card number and expiration date. set up on your ABC Online Banking account will be will receive a separate communication with more same but the bank ABA routing number will change deposit tickets will not need to be replaced. Also the calendar quarter. added to your new Old Second Online account. No to 071900760. After June 8th the new routing any outstanding checks, debits or credits will continue history of account activity will be carried over. information in mid-May. to clear. Old Second loan customers have several options for making their loan payments: automatic transfer 4/18 3

Will my account numbers change? Most checking, and deposit tickets? Yes. Even though the ABA money market account will cycle at the end of each ABC Bank Debit Card directly to update your new activate your account. All of your accounts that are If you have a mortgage account with ABC Bank, you savings, and loan account numbers will remain the routing number is changing, your current checks and month. Your savings account will continue to cycle on card number and expiration date. set up on your ABC Online Banking account will be will receive a separate communication with more same but the bank ABA routing number will change deposit tickets will not need to be replaced. Also the calendar quarter. added to your new Old Second Online account. No to 071900760. After June 8th the new routing any outstanding checks, debits or credits will continue history of account activity will be carried over. information in mid-May. to clear. MasterCard® is a registered trademark of MasterCard International Corp. Old Second loan customers have several options for Discover® is a registered trademark of Discover Financial Services. making their loan payments: automatic transfer 4 4/18

Will my account numbers change? Most checking, and deposit tickets? Yes. Even though the ABA money market account will cycle at the end of each ABC Bank Debit Card directly to update your new activate your account. All of your accounts that are If you have a mortgage account with ABC Bank, you savings, and loan account numbers will remain the routing number is changing, your current checks and month. Your savings account will continue to cycle on card number and expiration date. set up on your ABC Online Banking account will be will receive a separate communication with more same but the bank ABA routing number will change deposit tickets will not need to be replaced. Also the calendar quarter. added to your new Old Second Online account. No to 071900760. After June 8th the new routing any outstanding checks, debits or credits will continue history of account activity will be carried over. information in mid-May. to clear. iOS® is a registered trademarks of Apple, Inc.; Old Second loan customers have several options for Android is a trademark of Google LLC. making their loan payments: automatic transfer 4/18 5

CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through Your ABC checking account will convert to an Old Second account per the following table: INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our There will be no changes to the rates, terms, early automated telephone system, in person, through ABC Checking Account will convert to Old Second Checking Account withdrawal penalties, or the way you receive your the mail, or automatic payment from an account ABC Free Checking Money Connection Checking interest on your current personal Certificates of outside of Old Second Bank. Personal Checking Money Connection Checking Deposit or IRA Certificates of Deposit until the first Senior Citizen Smart Money Money Connection Checking (Paper Statement FREE if 65 or better) maturity date after June 8, 2018. Approximately 20 CREDIT CARDS Special Checking Money Connection Checking days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded Platinum Club Checking Money Connection Checking will receive new terms and conditions including credit card will be replaced with an Old Second Checking 55 Money Connection Checking changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, VIP Checking Money Connection Checking beneficiary designation remains the same as well as Elan. There will be no changes to the terms and ABC Checking with Interest Premier Checking the way you receive any mandatory distributions if conditions of your card unless you are notified by you have attained the age of 70 ½. Elan. FEATURES OF ALL OLD SECOND PERSONAL CHECKING ACCOUNTS For balance and other information on your CDs or BANK STATEMENTS MONEY CONNECTION PREMIER IRAs, you can request your CDs be added to your You will receive a final checking, savings, and CHECKING CHECKING O2 Online Banking account, combine them with your money market activity statement from ABC Bank checking or savings statement, or call our automated with all activity through the end of business on Account Qualifications, No minimum balance $10 monthly fee or free 24 hour phone system (INFOLINE) at June 8, 2018. This will be a paper statement. Minimum Balances, required. maintain average daily balance of $2,000. Monthly Fees 888-892-6565. Your checking statements will be issued the 9th of each month going forward. Your monthly money Minimum Opening Deposit $50 $5,000 CONSUMER LOANS, HOME EQUITY LINES OF market statements will be issued at the end of Earns interest on balances $5,000 or more. CREDIT, MORTGAGE LOANS AND OVERDRAFT each month. Your savings statements will continue Rate tiers: $5,000–9,999 Interest/Minimum to Obtain N/A PROTECTION LINES OF CREDIT to cycle on the calendar quarter. (call for current rates) $10,000–24,999 $25,000–49,999 $50,000+ There will be no changes in the rates, terms, or conditions of your loan. Your payment due dates will If you receive your statements as electronic No charge for ATM Perks & Benefits N/A balance inquiry. remain the same. If you had auto pay set up from statements, you will receive your Old Second Bank Free non-O2 ATM w/d another account, it will continue. statements electronically if you re-enroll through ATM Balance Inquiry $1 per inquiry FREE O2 Online Banking by selecting eStatements.

Free eStatements. Free eStatements or Home Equity Lines of Credit and Overdraft There is a $3.95 monthly paper statement fee for Statements $3.95/month for paper paper with check images. statements.* Protection Lines of Credit with a balance or monthly some Old Second Checking types so it is very activity will continue to receive a monthly activity and important to enroll in eStatements to avoid the ATM Withdrawals at non-O2 $2 per w/d FREE billing statement on the same cycle date that you fee. You can enroll in eStatements and view them or non-MoneyPass® ATMs had at ABC Bank. You will receive a statement with by clicking on the eStatement tab at the top of FREE MoneyPass® Network Third party surcharge free withdrawals at 1,000s of MoneyPass® network ATMs. For locations, visit activity cut-oﬀ at the end of business on June 8, your O2 Online Banking account. ATM Withdrawals TM moneypass.com or download the free MoneyPass® app for your iPhone® or Android . 2018. This is activity only and not a billing statement. Transaction Limits Unlimited If you have a mortgage account with ABC Bank, you FREE Online Banking with Email Alerts, FREE Online BillPay, FREE Mobile Banking and Text Banking, FREE Electronic Services eStatements with check images, FREE personal Online Financial Management, Deposit Scan, Mobile Deposit will receive a separate communication with more information in mid-May. Debit Card with auto enroll in Debit Rewards O2 Debit Card with Rewards and FREE ATM withdrawals at O2 ATMs with the Old Second logo. Old Second loan customers have several options for *Paper statement fee waived if primary account holder is 65 or better. For additional disclosures, see Personal Deposit Service Fee & Account Disclosure. making their loan payments: automatic transfer iPhone®, iPad®, and Touch ID® are registered trademarks of Apple, Inc. 6 4/18

CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through Your ABC savings account will convert to an Old Second account per the following table: INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our There will be no changes to the rates, terms, early automated telephone system, in person, through ABC Savings Account will convert to Old Second Savings Account withdrawal penalties, or the way you receive your the mail, or automatic payment from an account ABC Regular Savings Regular Savings interest on your current personal Certificates of outside of Old Second Bank. ABC Senior Savings Regular Savings Deposit or IRA Certificates of Deposit until the first ABC Minor Savings Junior Savings maturity date after June 8, 2018. Approximately 20 CREDIT CARDS Minor/Senior Savings Regular Savings days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded Golden Passbook Savings Regular Savings will receive new terms and conditions including credit card will be replaced with an Old Second ABC Money Market Money Manager changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, beneficiary designation remains the same as well as Elan. There will be no changes to the terms and the way you receive any mandatory distributions if conditions of your card unless you are notified by you have attained the age of 70 ½. Elan.

FEATURES OF OLD SECOND PERSONAL SAVINGS ACCOUNTS For balance and other information on your CDs or BANK STATEMENTS IRAs, you can request your CDs be added to your You will receive a ﬁnal checking, savings, and O2 Online Banking account, combine them with your money market activity statement from ABC Bank MONEY MANAGER REGULAR JUNIOR MONEY MARKET SAVINGS SAVINGS* checking or savings statement, or call our automated with all activity through the end of business on free 24 hour phone system (INFOLINE) at June 8, 2018. This will be a paper statement. Account qualiﬁcations, minimum balances, $5,000 min. bal. $250 min. bal. No min. bal. 888-892-6565. Your checking statements will be issued the 9th of monthly fees Below min. $15 Below min. $3. No monthly fee each month going forward. Your monthly money CONSUMER LOANS, HOME EQUITY LINES OF market statements will be issued at the end of Minimum opening $5,000 $250 $10 deposit CREDIT, MORTGAGE LOANS AND OVERDRAFT each month. Your savings statements will continue PROTECTION LINES OF CREDIT to cycle on the calendar quarter. Tiered. Earns interest on There will be no changes in the rates, terms, or Interest/ balances of $5,000 or more. Yes, Yes, Minimum to Obtain ($5,000-24,999; $25,000-49,999; conditions of your loan. Your payment due dates will If you receive your statements as electronic $50,000-99,999; $100,000-249,999; on all balances on all balances $250,000+) remain the same. If you had auto pay set up from statements, you will receive your Old Second Bank another account, it will continue. statements electronically if you re-enroll through Three ($1.50 per Three ($1.50 per Withdrawals/ Six ($12 per excess excess withdrawal/ excess withdrawal/ O2 Online Banking by selecting eStatements. debits per month withdrawal/debit) debit) debit) Home Equity Lines of Credit and Overdraft There is a $3.95 monthly paper statement fee for

Free O2 Online Banking Yes Yes Yes Protection Lines of Credit with a balance or monthly some Old Second Checking types so it is very & email alerts activity will continue to receive a monthly activity and important to enroll in eStatements to avoid the Available to connect Yes, billing statement on the same cycle date that you fee. You can enroll in eStatements and view them via Money Connection optional automated overdraft sweep had at ABC Bank. You will receive a statement with by clicking on the eStatement tab at the top of available. $10 per No No activity cut-oﬀ at the end of business on June 8, your O2 Online Banking account. sweep. Contact a banker to enroll. 2018. This is activity only and not a billing statement.

If you have a mortgage account with ABC Bank, you will receive a separate communication with more information in mid-May.

*Junior Savings account converts to Regular Savings when minor turns 18 years of age, and associated fees and balances apply. Old Second loan customers have several options for For additional disclosures, see Personal Deposit Service Fee & Account Disclosures. making their loan payments: automatic transfer 4/18 7

If you have a mortgage account with ABC Bank, you will receive a separate communication with more information in mid-May.

Old Second loan customers have several options for making their loan payments: automatic transfer 8 4/18

If you have a mortgage account with ABC Bank, you will receive a separate communication with more information in mid-May.

Old Second loan customers have several options for making their loan payments: automatic transfer

ADDITIONAL ACCOUNT INFORMATION

4/18 9 CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our There will be no changes to the rates, terms, early automated telephone system, in person, through withdrawal penalties, or the way you receive your the mail, or automatic payment from an account interest on your current personal Certificates of outside of Old Second Bank. Deposit or IRA Certificates of Deposit until the first maturity date after June 8, 2018. Approximately 20 CREDIT CARDS days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded will receive new terms and conditions including credit card will be replaced with an Old Second changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, beneficiary designation remains the same as well as Elan. There will be no changes to the terms and the way you receive any mandatory distributions if conditions of your card unless you are notified by you have attained the age of 70 ½. Elan.

If you have a mortgage account with ABC Bank, you will receive a separate communication with more information in mid-May.

Old Second loan customers have several options for making their loan payments: automatic transfer

MORE SOLUTIONS

OLD SECOND (O2) BANK DEBIT CARD from Old Second with your Online Banking ID, You should receive your new O2 Debit Card on or your temporary password and instructions on shortly after June 1, 2018. You can activate your activating your new O2 Online Banking account. new card at any time by following the instructions Your O2 Online Banking account will be set-up included with the card. The card cannot be used with the same accounts that appeared on your COMMERCIAL BANKING PERSONAL BANKING until after 7 a.m. on Sunday, June 10, 2018. Your ABC Bank Online Banking account. You will not The future begins now. For over 145 years, At Old Second Bank, we take banking ABC Bank card will no longer work after 7 a.m. on see any activity until transactions start clearing through good economic conditions and personally. We work hard to get to know Sunday, June 10, 2018. your account after conversion. bad, Old Second has provided commercial you, your family, your business, your banking services to companies like yours dreams and your goals. We want to be a On May 18, 2018, you will be mailed additional O2 Online Banking is a user friendly, functional so they could continue to grow and part of helping you start dreaming, information on the O2 Debit Card including online banking system. Besides viewing account prosper and put their future plans into planning and living your life to the fullest. information on our SecurLOCK™ Equip App that balances and transactions on deposit and loan action...now. allows you to manage your debit card, accounts you can: transfer between accounts, • The Basics: Checking Accounts, Money MoneyPass® Surcharge Free ATM Network and make loan payments, make person to person • Credit and Lending Solutions Market, Savings Accounts App, and also other great benefits. payments, set up account and personal alerts, • Risk Management Solutions • Individual Retirement Accounts (IRA), enroll and view your eStatements, order checks, • Checking and Deposit Health Saving Accounts (HSA) ONLINE BANKING (PERSONAL) set up and schedule bill payments, set up mobile • Treasury Management Solutions • Loans: Mortgages, Home Equity Loan You will have access to view your ABC Bank Online or text banking, create a custom view of your including Online Cash Management, and Lines, Automobile Loans, Personal Banking account until 9 a.m. on Monday, June 11, online banking with widgets, and use My Finance Online ACH and Wire Origination, Loans 2018. Prior to that cut-off, we recommend that to set and track financial goals and aggregate Remote Deposit Capture, Lockbox • Cards: Debit Cards, Gift Cards, Pre-paid you print or save any history or account statements and account information from other Payment Services, Customer Payment and Reloadable Debit Cards, PAYDAY information that you may need for your records. financial institutions. Go to Portal Cards, Credit Cards The activity information on your ABC Bank online www.oldsecond.com/OnlineDemo to view our O2 • Card Services • Online Banking, Bill Pay, Mobile Banking banking account will not be transferred over to Online Banking Demos. including Mobile Deposit your O2 Online Banking account. (Your account From working capital lines of credit to • Western Union® Money Transfer Services information will be available and can be provided MOBILE BANKING AND TEXT BANKING equipment financing, Old Second’s • Purchase and redeem Foreign Currency upon your request.) O2 Mobile Banking can be set-up by downloading Commercial Banking team can offer all the • Prime Time Club for those 55 or the O2 App to your Android or Apple® device. capabilities and resources the largest Older—Events, Educational Seminars, If you have ABC Bank Bill Pay, it will be disabled on O2 Mobile Banking offers many of the same banks offer. But, unlike the largest banks, Travel June 4, 2018, and you will no longer be able to account management options as you will find in we'll work with you to tailor solutions • Debit card rewards view, schedule or change payments. Any payments our user friendly online banking service with the specific to your company’s needs and scheduled prior to June 8, 2018 will still be added ability to make deposits through your O2 goals. Let our team of experienced Whether you are just embarking on your processed. Your Bill Pay information should be App. Mobile Deposit is a great time saver and Treasury Management experts help you financial life or looking for a better banking transferred automatically to O2 BillPay as well as easy to use. manage your time and your company’s relationship, count on Old Second for an your scheduled recurring payments. EBills will no cash flow with online and mobile banking option that addresses your needs. Our longer be available with O2 BillPay. If you need a quick way to check your balances or solutions that put you in control of your Personal Bankers and Tellers take pride in last account activity, set up O2 Text Banking cash management operations. going the extra step to help their Please take the time to verify that your BillPay through the Options Tab on your O2 Online customers. information is correct. Banking account. Simple to set up and easy to Learn more: oldsecond.com/Business use. Learn more: oldsecond.com/Personal The week of June 4, 2018, you will receive an email

4/18 11 CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our There will be no changes to the rates, terms, early automated telephone system, in person, through withdrawal penalties, or the way you receive your the mail, or automatic payment from an account interest on your current personal Certificates of outside of Old Second Bank. Deposit or IRA Certificates of Deposit until the first maturity date after June 8, 2018. Approximately 20 CREDIT CARDS days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded will receive new terms and conditions including credit card will be replaced with an Old Second changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, beneficiary designation remains the same as well as Elan. There will be no changes to the terms and the way you receive any mandatory distributions if conditions of your card unless you are notified by you have attained the age of 70 ½. Elan.

If you have a mortgage account with ABC Bank, you will receive a separate communication with more information in mid-May.

Old Second loan customers have several options for making their loan payments: automatic transfer

LOCATIONS Woodstock BOONE 176 Mundelein 176 Marengo 90 Crystal LAKE 94 14 Lake Lake 22 MCHENRY Lake-in-the-Hills Zurich Huntley 23 Algonquin 45 Carpentersville

Genoa Arlington 59 Hoffman Heights 72 Sleepy from Old Second with your Online Banking ID, Estates OLD SECOND (O2) BANK DEBIT CARD Hampshire Pingree Hollow Grove 90 94 23 your temporary password and instructions on 20 294 You should receive your new O2 Debit Card on or 47 Elgin Burlington activating your new O2 Online Banking account. 290 shortly after June 1, 2018. You can activate your Schaumburg Sycamore new card at any time by following the instructions Your O2 Online Banking account will be set-up KANE Bensenville Wasco with the same accounts that appeared on your DeKalb St. Charles 20 included with the card. The card cannot be used W. Chicago 23 290 COOK Maple Park 38 Carol until after 7 a.m. on Sunday, June 10, 2018. Your ABC Bank Online Banking account. You will not Stream Elburn Geneva 355 Oak Park DEKALB Winfield 290 see any activity until transactions start clearing 88 25 ABC Bank card will no longer work after 7 a.m. on 45 Batavia 31 Wheaton 20 Chicago Kaneville DUPAGE 294 Sunday, June 10, 2018. your account after conversion. 90 N. Aurora 56 Warrenville Oak 94 Downers Hinckley Sugar Grove Brook Grove 30 Lisle O2 Online Banking is a user friendly, functional Big Rock On May 18, 2018, you will be mailed additional Aurora 34 Naperville Bolingbrook 55 30 Oak online banking system. Besides viewing account Lawn information on the O2 Debit Card including Montgomery 23 94 30 94 information on our SecurLOCK™ Equip App that balances and transactions on deposit and loan Plano Oswego 57 34 59 45 accounts you can: transfer between accounts, Yorkville Romeoville allows you to manage your debit card, 53

MoneyPass® Surcharge Free ATM Network and make loan payments, make person to person Sandwich Lockport Orland Park Plainfield App, and also other great benefits. payments, set up account and personal alerts, KENDALL WILL 94 80 47 Joliet 80 Mokena enroll and view your eStatements, order checks, 30 Shorewood New set up and schedule bill payments, set up mobile 71 Frankfort ONLINE BANKING (PERSONAL) Lenox Chicago You will have access to view your ABC Bank Online or text banking, create a custom view of your Heights LASALLE 55 Minooka 57 Banking account until 9 a.m. on Monday, June 11, online banking with widgets, and use My Finance 23 Morris to set and track financial goals and aggregate Ottawa 2018. Prior to that cut-off, we recommend that 80 you print or save any history or account statements and account information from other 45 Peotone information that you may need for your records. financial institutions. Go to 71 The activity information on your ABC Bank online www.oldsecond.com/OnlineDemo to view our O2 GRUNDY banking account will not be transferred over to Online Banking Demos. your O2 Online Banking account. (Your account Old Second National Bank www.oldsecond.com • 1-877-866-0202 information will be available and can be provided MOBILE BANKING AND TEXT BANKING upon your request.) O2 Mobile Banking can be set-up by downloading the O2 App to your Android or Apple® device. 37 S. River St., Aurora 20201 S. LaGrange Rd., Frankfort If you have ABC Bank Bill Pay, it will be disabled on O2 Mobile Banking offers many of the same 555 Redwood Dr., Aurora 850 Essington Rd., Joliet June 4, 2018, and you will no longer be able to account management options as you will find in 1350 N. Farnsworth Ave., Aurora 2S101 Harter Rd., Kaneville view, schedule or change payments. Any payments our user friendly online banking service with the 1230 N. Orchard Road, Aurora 3101 Ogden Ave., Lisle 4080 Fox Valley Ctr. Dr., Aurora 200 W. John St., North Aurora scheduled prior to June 8, 2018 will still be added ability to make deposits through your O2 1991 W. Wilson St., Batavia 1200 Douglas Rd., Oswego App. Mobile Deposit is a great time saver and processed. Your Bill Pay information should be 2 South York Road, Bensenville 323 E. Norris Dr., Ottawa easy to use. transferred automatically to O2 BillPay as well as 194 S. Main St., Burlington 7050 Burroughs Ave., Plano your scheduled recurring payments. EBills will no 333 W. Wacker Dr., Downtown Chicago 801 S. Kirk Road, St. Charles longer be available with O2 BillPay. If you need a quick way to check your balances or 9443 South Ashland Ave, Chicago Route 47 @ Cross St., Sugar Grove last account activity, set up O2 Text Banking 6400 West North Avenue, Chicago 1810 DeKalb Ave., Sycamore Please take the time to verify that your BillPay through the Options Tab on your O2 Online 1301 West Taylor Street, Chicago 40W422 Route 64, Wasco information is correct. Banking account. Simple to set up and easy to 195 W. Joe Orr Rd., Chicago Heights 26 W. Countryside Pkwy., Yorkville use. 749 N. Main St., Elburn 420 S. Bridge St., Yorkville The week of June 4, 2018, you will receive an email 3290 Rt. 20, Elgin

12 4/18 CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through Will the name of my bank change? Yes. At the number will need to be used when setting up new If I currently receive electronic statements on Currently if I use a non ABC Bank ATM that is Will my ABC Bill Pay payee information and any INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our close of business on April 19, 2018, Old Second direct deposit, ACH credits or debits, or wire transfers The next time you order checks through Old Second’s my accounts, will I still receive them part of the STAR® network, I can avoid recurring payments I set up be carried over to There will be no changes to the rates, terms, early automated telephone system, in person, through National Bank headquartered in Aurora, Illinois, from your account. preferred check vendor, Harland Clarke, (also ABC electronically? Yes. Old Second will continue to surcharge fees (fees charged by the ATM my account? Yes. Your payee information should be withdrawal penalties, or the way you receive your the mail, or automatic payment from an account purchased ABC Bank. ABC Bank branches will Bank’s preferred check vendor), your new checks will provide electronic statements. You will need to owner). Can I continue to avoid these surcharge added to O2 BillPay as well as scheduled recurring interest on your current personal Certificates of outside of Old Second Bank. become branches of Old Second National Bank. If your account number does need to be changed, a automatically be printed with the Old Second Bank re-enroll for eStatements through O2 Online fees? The Star® network ATMs will no longer be payments. EBills will no longer be available with Deposit or IRA Certificates of Deposit until the first Signage changes on the bank will not occur until the banker will contact you prior to account conversion. name and routing number. Banking. Your Old Second Bank statements can surcharge-free because Old Second is not a member. O2 BillPay. maturity date after June 8, 2018. Approximately 20 CREDIT CARDS weekend of June 9, 2018. Your ABC Bank deposit, then be viewed or downloaded from your O2 Online Old Second is a member of the surcharge free days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded loan and safe deposit box accounts will be converted Do I have to contact companies to change the Will my personal loan accounts change? No. Banking account. Your last ABC statement is a paper MoneyPass® ATM Network with over 25,000 ATMs Please carefully check your BillPay payees and will receive new terms and conditions including credit card will be replaced with an Old Second to Old Second Bank accounts at the close of business routing number on any direct deposit, or Your personal loan, home equity line of credit, statement. nationwide. Old Second also owns a scheduled payments to make sure they are correct. changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, on Friday, June 8, 2018. automated payments to or from my account? overdraft protection line, or mortgage loan will have network of over 60 ATMs located in the Chicago land beneficiary designation remains the same as well as Elan. There will be no changes to the terms and No. All recurring automated debits or credits from or the same terms, rates and maturity date. There will After June 8, 2018, who do I contact if I have area. Download the MoneyPass® App on your smart Does Old Second have mobile banking? Yes, Old the way you receive any mandatory distributions if conditions of your card unless you are notified by Will the hours of operation for my ABC branch to outside companies should continue as scheduled be no changes until the loan matures and is renewed, questions on my former ABC account? You can phone for easy access to locations of surcharge free Second has a Mobile Banking app for both Android™ you have attained the age of 70 ½. Elan. change? No. The business hours for your branch and there should be no interruptions. or you request the loan be modified. call your local branch or the Old Second Support MoneyPass® ATMs. and iOS® devices. Old Second’s Mobile Banking can will remain the same. Center at 877-866-0202. be set up by downloading the O2 Mobile App to your For balance and other information on your CDs or BANK STATEMENTS Will my deposit account type change? Yes. Your If you receive an activity and billing statement for your Will I have continued access to my ABC Bank device. Mobile Banking has many of the robust IRAs, you can request your CDs be added to your You will receive a final checking, savings, and Will I still be able to do the same banking ABC checking, savings, or money market account personal line of credit, overdraft protection or Home Will I continue to have overdraft protection on Online Banking and Bill Pay? You will only be able capabilities that O2 Online Banking has with the O2 Online Banking account, combine them with your money market activity statement from ABC Bank activities at my branch? Yes. You will still be able types will change. On page 6 of this guide, you will Equity Line of Credit you will receive an activity my checking account? Yes. Old Second offers to view your online banking activity until 9 a.m. on added time-saving Mobile Deposit function. checking or savings statement, or call our automated with all activity through the end of business on to conduct the same banking transactions at your find an account conversion table. This will tell you statement as of close of business on June 8th. You overdraft protection. The terms and conditions are Monday, June 11, 2018. At that time your ABC Bank Compatible Android™ and iOS® devices have Touch free 24 hour phone system (INFOLINE) at June 8, 2018. This will be a paper statement. local branch. After June 8, 2018 you will also have what your new account will be and the basic features. will receive an activity and billing statement from Old provided in the Personal Deposit Service Fees & Online Banking account will be disabled. (Applies to ID® Fingerprint Authentication. 888-892-6565. Your checking statements will be issued the 9th of additional banking services available: Health Savings A Personal Deposit Service Fees & Account Second on your regular billing date. Account Disclosures included in this packet. Personal Online Banking only) each month going forward. Your monthly money Accounts, Western Union® Money Transfer services, Disclosures booklet is included in this packet. In addition, through online banking you can set up CONSUMER LOANS, HOME EQUITY LINES OF market statements will be issued at the end of foreign currency purchase and redemption, and O2 If I have money automatically transferred from Will my ABC Debit Card work after June 8, 2018? Bill Pay will be disabled on June 4, 2018. You will no Text Banking for receiving quick balance and activity CREDIT, MORTGAGE LOANS AND OVERDRAFT each month. Your savings statements will continue gift cards and reloadable debit cards. If you have a certificate of deposit (CD), there will be my ABC checking account to my ABC loan or Your ABC Debit MasterCard® will work until Sunday, longer be able to schedule or cancel payments or information with a simple text command. PROTECTION LINES OF CREDIT to cycle on the calendar quarter. no change to your CD rate or terms until the first savings account will the transfers still occur June 10, 2018 at 7 a.m. view bill pay history including payee information. Any There will be no changes in the rates, terms, or Does Old Second have other branches in the maturity after June 8, 2018. Approximately twenty after conversion? Yes. If you have transfers payments scheduled to occur prior to June 8, 2018 What if I have business and commercial conditions of your loan. Your payment due dates will If you receive your statements as electronic Chicago area? Yes. Old Second Bank has 25 other days prior to the maturity date of your certificate of between deposit or loan accounts set-up to occur When will I receive my new debit card and when will still be processed. accounts and loans? If you have business or remain the same. If you had auto pay set up from statements, you will receive your Old Second Bank full service locations in Cook, DeKalb, DuPage, Kane, deposit, you will receive a maturity notice with new automatically, the transfers will continue in the same can I start using it? Your new Old Second Debit commercial accounts or loans, you will receive a another account, it will continue. statements electronically if you re-enroll through Kendall, LaSalle, and Will counties in Illinois. You will terms and conditions that will apply. amount, with the same frequency and on the same Card powered by Discover® should arrive in the mail We recommend that you print or save screen shots of separate Commercial Guide with information on the O2 Online Banking by selecting eStatements. be able to transact your banking at any Old Second dates. June 1-6, 2018. You will be able to activate it and any information from your ABC Bank Online Banking conversion of your accounts and loans to Old Second Home Equity Lines of Credit and Overdraft There is a $3.95 monthly paper statement fee for location on June 11, 2018. For other Old Second Your IRA account including your designated select your 4-digit Personal Identification Number account that you want to keep for your records. accounts and loans. Your banker can also answer Protection Lines of Credit with a balance or monthly some Old Second Checking types so it is very locations go to www.oldsecond.com/locations. beneficiaries will remain the same. If invested in an When will I receive my checking or savings (PIN) when you receive it but you will not be able to any questions you may have. activity will continue to receive a monthly activity and important to enroll in eStatements to avoid the IRA certificate of deposit, the rate, maturity date and account statement? You will receive a final ABC use the card until after 7 a.m. on Sunday, June 10, If I have ABC Bank Online Banking, will I billing statement on the same cycle date that you fee. You can enroll in eStatements and view them Will the staff stay the same at my ABC Bank other terms will remain the same until the maturity Bank deposit statement which includes all activity 2018. More detailed information on your debit card automatically be set up for O2 Online Banking? had at ABC Bank. You will receive a statement with by clicking on the eStatement tab at the top of branch? You will continue to see many of the same date of the IRA certificate of deposit. through the end of business on June 8, 2018. Your will be mailed to you on May 18, 2018. Yes. The week of June 4, 2018, you will receive an activity cut-off at the end of business on June 8, your O2 Online Banking account. familiar faces in your branch. first Old Second checking statement will cycle on July email with your new Online Banking ID, your 2018. This is activity only and not a billing statement. Will I still be able to use my ABC Bank checks 9, 2018 and the 9th of each month thereafter. Your You will need to contact any company that bills your temporary password and instructions on how to

SOCIAL & HISTORY

OLD SECOND (O2) BANK DEBIT CARD from Old Second with your Online Banking ID, You should receive your new O2 Debit Card on or your temporary password and instructions on LIKE US! FOLLOW US! shortly after June 1, 2018. You can activate your activating your new O2 Online Banking account. new card at any time by following the instructions Your O2 Online Banking account will be set-up Keep up with Old Second on social media. included with the card. The card cannot be used with the same accounts that appeared on your • Weekly economic updates until after 7 a.m. on Sunday, June 10, 2018. Your ABC Bank Online Banking account. You will not • Community involvement ABC Bank card will no longer work after 7 a.m. on see any activity until transactions start clearing • Fun videos and photos Sunday, June 10, 2018. your account after conversion. • Employment opportunities • Event information On May 18, 2018, you will be mailed additional O2 Online Banking is a user friendly, functional • Trivia information on the O2 Debit Card including online banking system. Besides viewing account • Stats and infographics information on our SecurLOCK™ Equip App that balances and transactions on deposit and loan • And more allows you to manage your debit card, accounts you can: transfer between accounts, MoneyPass® Surcharge Free ATM Network and make loan payments, make person to person Learn more: oldsecond.com/Social App, and also other great benefits. payments, set up account and personal alerts, enroll and view your eStatements, order checks, ONLINE BANKING (PERSONAL) set up and schedule bill payments, set up mobile You will have access to view your ABC Bank Online or text banking, create a custom view of your Banking account until 9 a.m. on Monday, June 11, online banking with widgets, and use My Finance 2018. Prior to that cut-off, we recommend that to set and track financial goals and aggregate you print or save any history or account statements and account information from other OLD SECOND HISTORY information that you may need for your records. financial institutions. Go to The activity information on your ABC Bank online www.oldsecond.com/OnlineDemo to view our O2 Founded in 1871, Old Second has spanned three centuries and banking account will not be transferred over to Online Banking Demos. weathered numerous economies. In 2000, the bank published a history your O2 Online Banking account. (Your account book full of fascinating information about Old Second’s origins, such as: information will be available and can be provided MOBILE BANKING AND TEXT BANKING • Historic financial backdrop upon your request.) O2 Mobile Banking can be set-up by downloading • Architectural background the O2 App to your Android or Apple® device. • Technological developments through the years If you have ABC Bank Bill Pay, it will be disabled on O2 Mobile Banking offers many of the same • Famous people June 4, 2018, and you will no longer be able to account management options as you will find in • And more view, schedule or change payments. Any payments our user friendly online banking service with the scheduled prior to June 8, 2018 will still be added ability to make deposits through your O2 Learn more: oldsecond.com/History processed. Your Bill Pay information should be App. Mobile Deposit is a great time saver and transferred automatically to O2 BillPay as well as easy to use. your scheduled recurring payments. EBills will no longer be available with O2 BillPay. If you need a quick way to check your balances or last account activity, set up O2 Text Banking Please take the time to verify that your BillPay through the Options Tab on your O2 Online information is correct. Banking account. Simple to set up and easy to use. The week of June 4, 2018, you will receive an email CERTIFICATES OF DEPOSIT (CD) AND from an Old Second Deposit account, pay through Will the name of my bank change? Yes. At the number will need to be used when setting up new If I currently receive electronic statements on Currently if I use a non ABC Bank ATM that is Will my ABC Bill Pay payee information and any INDIVIDUAL RETIREMENT ACCOUNTS (IRA) an online banking transfer, payment through our close of business on April 19, 2018, Old Second direct deposit, ACH credits or debits, or wire transfers The next time you order checks through Old Second’s my accounts, will I still receive them part of the STAR® network, I can avoid recurring payments I set up be carried over to There will be no changes to the rates, terms, early automated telephone system, in person, through National Bank headquartered in Aurora, Illinois, from your account. preferred check vendor, Harland Clarke, (also ABC electronically? Yes. Old Second will continue to surcharge fees (fees charged by the ATM my account? Yes. Your payee information should be withdrawal penalties, or the way you receive your the mail, or automatic payment from an account purchased ABC Bank. ABC Bank branches will Bank’s preferred check vendor), your new checks will provide electronic statements. You will need to owner). Can I continue to avoid these surcharge added to O2 BillPay as well as scheduled recurring interest on your current personal Certificates of outside of Old Second Bank. become branches of Old Second National Bank. If your account number does need to be changed, a automatically be printed with the Old Second Bank re-enroll for eStatements through O2 Online fees? The Star® network ATMs will no longer be payments. EBills will no longer be available with Deposit or IRA Certificates of Deposit until the first Signage changes on the bank will not occur until the banker will contact you prior to account conversion. name and routing number. Banking. Your Old Second Bank statements can surcharge-free because Old Second is not a member. O2 BillPay. maturity date after June 8, 2018. Approximately 20 CREDIT CARDS weekend of June 9, 2018. Your ABC Bank deposit, then be viewed or downloaded from your O2 Online Old Second is a member of the surcharge free days prior to the maturity date of your CD or IRA, you During May and June, your ABC Bank branded loan and safe deposit box accounts will be converted Do I have to contact companies to change the Will my personal loan accounts change? No. Banking account. Your last ABC statement is a paper MoneyPass® ATM Network with over 25,000 ATMs Please carefully check your BillPay payees and will receive new terms and conditions including credit card will be replaced with an Old Second to Old Second Bank accounts at the close of business routing number on any direct deposit, or Your personal loan, home equity line of credit, statement. nationwide. Old Second also owns a scheduled payments to make sure they are correct. changes to early withdrawal penalties. For IRAs, your Bank branded credit card from the card issuer, on Friday, June 8, 2018. automated payments to or from my account? overdraft protection line, or mortgage loan will have network of over 60 ATMs located in the Chicago land beneficiary designation remains the same as well as Elan. There will be no changes to the terms and No. All recurring automated debits or credits from or the same terms, rates and maturity date. There will After June 8, 2018, who do I contact if I have area. Download the MoneyPass® App on your smart Does Old Second have mobile banking? Yes, Old the way you receive any mandatory distributions if conditions of your card unless you are notified by Will the hours of operation for my ABC branch to outside companies should continue as scheduled be no changes until the loan matures and is renewed, questions on my former ABC account? You can phone for easy access to locations of surcharge free Second has a Mobile Banking app for both Android™ you have attained the age of 70 ½. Elan. change? No. The business hours for your branch and there should be no interruptions. or you request the loan be modified. call your local branch or the Old Second Support MoneyPass® ATMs. and iOS® devices. Old Second’s Mobile Banking can will remain the same. Center at 877-866-0202. be set up by downloading the O2 Mobile App to your For balance and other information on your CDs or BANK STATEMENTS Will my deposit account type change? Yes. Your If you receive an activity and billing statement for your Will I have continued access to my ABC Bank device. Mobile Banking has many of the robust IRAs, you can request your CDs be added to your You will receive a final checking, savings, and Will I still be able to do the same banking ABC checking, savings, or money market account personal line of credit, overdraft protection or Home Will I continue to have overdraft protection on Online Banking and Bill Pay? You will only be able capabilities that O2 Online Banking has with the O2 Online Banking account, combine them with your money market activity statement from ABC Bank activities at my branch? Yes. You will still be able types will change. On page 6 of this guide, you will Equity Line of Credit you will receive an activity my checking account? Yes. Old Second offers to view your online banking activity until 9 a.m. on added time-saving Mobile Deposit function. checking or savings statement, or call our automated with all activity through the end of business on to conduct the same banking transactions at your find an account conversion table. This will tell you statement as of close of business on June 8th. You overdraft protection. The terms and conditions are Monday, June 11, 2018. At that time your ABC Bank Compatible Android™ and iOS® devices have Touch free 24 hour phone system (INFOLINE) at June 8, 2018. This will be a paper statement. local branch. After June 8, 2018 you will also have what your new account will be and the basic features. will receive an activity and billing statement from Old provided in the Personal Deposit Service Fees & Online Banking account will be disabled. (Applies to ID® Fingerprint Authentication. 888-892-6565. Your checking statements will be issued the 9th of additional banking services available: Health Savings A Personal Deposit Service Fees & Account Second on your regular billing date. Account Disclosures included in this packet. Personal Online Banking only) each month going forward. Your monthly money Accounts, Western Union® Money Transfer services, Disclosures booklet is included in this packet. In addition, through online banking you can set up CONSUMER LOANS, HOME EQUITY LINES OF market statements will be issued at the end of foreign currency purchase and redemption, and O2 If I have money automatically transferred from Will my ABC Debit Card work after June 8, 2018? Bill Pay will be disabled on June 4, 2018. You will no Text Banking for receiving quick balance and activity CREDIT, MORTGAGE LOANS AND OVERDRAFT each month. Your savings statements will continue gift cards and reloadable debit cards. If you have a certificate of deposit (CD), there will be my ABC checking account to my ABC loan or Your ABC Debit MasterCard® will work until Sunday, longer be able to schedule or cancel payments or information with a simple text command. PROTECTION LINES OF CREDIT to cycle on the calendar quarter. no change to your CD rate or terms until the first savings account will the transfers still occur June 10, 2018 at 7 a.m. view bill pay history including payee information. Any There will be no changes in the rates, terms, or Does Old Second have other branches in the maturity after June 8, 2018. Approximately twenty after conversion? Yes. If you have transfers payments scheduled to occur prior to June 8, 2018 What if I have business and commercial conditions of your loan. Your payment due dates will If you receive your statements as electronic Chicago area? Yes. Old Second Bank has 25 other days prior to the maturity date of your certificate of between deposit or loan accounts set-up to occur When will I receive my new debit card and when will still be processed. accounts and loans? If you have business or remain the same. If you had auto pay set up from statements, you will receive your Old Second Bank full service locations in Cook, DeKalb, DuPage, Kane, deposit, you will receive a maturity notice with new automatically, the transfers will continue in the same can I start using it? Your new Old Second Debit commercial accounts or loans, you will receive a another account, it will continue. statements electronically if you re-enroll through Kendall, LaSalle, and Will counties in Illinois. You will terms and conditions that will apply. amount, with the same frequency and on the same Card powered by Discover® should arrive in the mail We recommend that you print or save screen shots of separate Commercial Guide with information on the O2 Online Banking by selecting eStatements. be able to transact your banking at any Old Second dates. June 1-6, 2018. You will be able to activate it and any information from your ABC Bank Online Banking conversion of your accounts and loans to Old Second Home Equity Lines of Credit and Overdraft There is a $3.95 monthly paper statement fee for location on June 11, 2018. For other Old Second Your IRA account including your designated select your 4-digit Personal Identification Number account that you want to keep for your records. accounts and loans. Your banker can also answer Protection Lines of Credit with a balance or monthly some Old Second Checking types so it is very locations go to www.oldsecond.com/locations. beneficiaries will remain the same. If invested in an When will I receive my checking or savings (PIN) when you receive it but you will not be able to any questions you may have. activity will continue to receive a monthly activity and important to enroll in eStatements to avoid the IRA certificate of deposit, the rate, maturity date and account statement? You will receive a final ABC use the card until after 7 a.m. on Sunday, June 10, If I have ABC Bank Online Banking, will I billing statement on the same cycle date that you fee. You can enroll in eStatements and view them Will the staff stay the same at my ABC Bank other terms will remain the same until the maturity Bank deposit statement which includes all activity 2018. More detailed information on your debit card automatically be set up for O2 Online Banking? had at ABC Bank. You will receive a statement with by clicking on the eStatement tab at the top of branch? You will continue to see many of the same date of the IRA certificate of deposit. through the end of business on June 8, 2018. Your will be mailed to you on May 18, 2018. Yes. The week of June 4, 2018, you will receive an activity cut-off at the end of business on June 8, your O2 Online Banking account. familiar faces in your branch. first Old Second checking statement will cycle on July email with your new Online Banking ID, your 2018. This is activity only and not a billing statement. Will I still be able to use my ABC Bank checks 9, 2018 and the 9th of each month thereafter. Your You will need to contact any company that bills your temporary password and instructions on how to

On May 18, 2018, you will be mailed additional O2 Online Banking is a user friendly, functional information on the O2 Debit Card including online banking system. Besides viewing account information on our SecurLOCK™ Equip App that balances and transactions on deposit and loan allows you to manage your debit card, accounts you can: transfer between accounts, MoneyPass® Surcharge Free ATM Network and make loan payments, make person to person App, and also other great benefits. payments, set up account and personal alerts, enroll and view your eStatements, order checks, ONLINE BANKING (PERSONAL) set up and schedule bill payments, set up mobile You will have access to view your ABC Bank Online or text banking, create a custom view of your Banking account until 9 a.m. on Monday, June 11, online banking with widgets, and use My Finance 2018. Prior to that cut-off, we recommend that to set and track financial goals and aggregate you print or save any history or account statements and account information from other information that you may need for your records. financial institutions. Go to The activity information on your ABC Bank online www.oldsecond.com/OnlineDemo to view our O2 banking account will not be transferred over to Online Banking Demos. your O2 Online Banking account. (Your account information will be available and can be provided MOBILE BANKING AND TEXT BANKING upon your request.) O2 Mobile Banking can be set-up by downloading the O2 App to your Android or Apple® device. If you have ABC Bank Bill Pay, it will be disabled on O2 Mobile Banking offers many of the same June 4, 2018, and you will no longer be able to account management options as you will find in view, schedule or change payments. Any payments our user friendly online banking service with the scheduled prior to June 8, 2018 will still be added ability to make deposits through your O2 processed. Your Bill Pay information should be App. Mobile Deposit is a great time saver and transferred automatically to O2 BillPay as well as easy to use. your scheduled recurring payments. EBills will no longer be available with O2 BillPay. If you need a quick way to check your balances or last account activity, set up O2 Text Banking Please take the time to verify that your BillPay through the Options Tab on your O2 Online information is correct. Banking account. Simple to set up and easy to 37 South River Street, Aurora, IL 60506-4173 • www.oldsecond.com • 1-877-866-0202 use. The week of June 4, 2018, you will receive an email

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