BankingNewsWashington Savings Bank Quarterly Newsletter

We Are Better Together!

3rd Quarter 2015

It’s official! We are excited to welcome the Mattoon branch and the Mattoon Community to our Washington Savings Bank family! Monday, October 5, 2015, was the first day of operations in Mattoon as Washington Savings Bank.

According to Washington Savings Bank President and CEO David Doedtman, “Not only will we be able to extend the markets we serve, our Bank now has even more resources to benefit both our personal service and commercial customers. The addition of an experienced trust and investment team will be a huge benefit in the Effingham market, in particular.”

Jon Spitz, Senior Vice-President and Mattoon Market President, adds, “Joining with

Washington Savings Bank offers our Mattoon area clients an impressive combination of deposit, loan and electronic banking services. While the name on the bank may be changing, our employees will remain the same, and continue to serve all of our customers with their remarkably high level of customer service.”

All of our customers will experience more conveniences, more services and more resources with local decision-makers. Simply stated – our banks are better together and will benefit both of our customers and communities.

Visit us in Mattoon at1111 Charleston Ave.

TRUST AND INVESTMENTS

LOANS

Gayla F. McDaniel (center)Vice President and Sr. Trust Officer

Tabby Bell (right)Assistant Vice President and Trust Officer

Tami L. Wells (left)Trust Operations Assistant

Washington Savings Bank Adds a Trust and Investments Department Washington Savings Bank is proud to offer a dedicated team of experts with more than 60 combined years of trust and investment experience to help you build and manage your financial interests.

TRUST SERVICESThere are many types of trusts that are used to help you achieve your financial goals.

Living trusts, testamentary trusts, charitable trusts and insurance trusts to name a few. Each works differently to address the financial concerns of the person planning. We can help you determine what would best meet your needs.

ESTATE SERVICES Our staff can administer the simplest to the most complex estates. As Executor or Independent Administrator, we will work to not only follow the instructions of the decedent, but we will work closely with the heirs to ensure prompt handling of estate matters.

INVESTMENT SERVICES As we build our wealth, we often need some assistance along the way. We will provide you with as much guidance and assistance as you need. We will help you to navigate through the misinformation that is out there today. Our investment accounts allow you to maintain as much control as you care to keep.

Get a loan you’ll love from your friendly, local bankers at Washington Savings Bank!*

•Competitive Rates•Helpful Lenders•Local Decision-makers

*Subject to credit approval

CHIP CARDS

Gayla F. McDaniel (center)Vice President and Sr. Trust Officer

Tabby Bell (right)Assistant Vice President and Trust Officer

Tami L. Wells (left)Trust Operations Assistant

Washington Savings Bank Adds a Trust and Investments Department RETIREMENT ACCOUNTS Our department offers Individual Retirement Accounts (IRAs) that help you to keep your retirement assets deferred from income taxes.

Whether you need a Traditional IRA or a Roth IRA we are prepared to meet your needs. Still have funds in a prior employer’s retirement plan? A direct rollover will allow you to control your retirement assets.

LAND TRUST SERVICES Do you have investment real estate that has multiple owners? Our land trust services can help you to hold title to the property in a manner to fully represent the individual ownerships.

ESCROW SERVICES Buying real estate through a personal contract? Our escrow services can assist both the seller and the buyer to ensure each party’s interests are protected.

CORPORATE TRUST SERVICES Our department can assist governments or school districts with their bond issues.

Registrar and paying agent services are available to allow bond services to remain within the community.

4 Kids

money ¢ents

Save the Money You Earn:

• Save 50¢ a day in loose change

Monthly: Yearly: $15 $180

• Drink one less soft drink a day

Monthly: Yearly: $22 $264

• Bring lunch to school

Monthly: Yearly: $40 $480

• Eat out two fewer times a month

Monthly: Yearly: $30 $360

• Buy store brands

Monthly: Yearly: $10 $120

• Use fewer cell phone features

Monthly: Yearly: $10 $120

• Conserve gas (share rides with friends)

Monthly: Yearly: $20 $240

Contact us today to set up an

appointment:217-235-5411

YOUR FINANCIAL PARTNER

Have you looked at your credit & debit cards lately?Check for the chip.

You may already have a chip card, or may get one soon. Paying with your chip instead of your magnetic strip brings you added security for in-store and ATM transactions. If you have questions - please contact your local branch or email customercare@washingtonsavings.net

200 S. Banker StreetEffingham, IL 62401

Effingham Locations

200 S. Banker Street217-427-7173

Lobby Hours:Monday-Thursday - 8:30 am-4:30 pmFriday - 8:30 am-5:00 pmSaturday - 8:30 am-12:00 noon

Drive-thru Hours: Monday-Thursday - 7:30 am-5:00 pmFriday - 7:30 am-6:00 pmSaturday - 7:30 am-12:00 noon

24-Hour ATM

1300 N. Keller Drive217-347-7127

Lobby Hours:Monday-Thursday - 8:30 am-4:30 pmFriday - 8:30 am-5:00 pmSaturday - 8:30 am-12:00 noon

Drive-thru Hours: Monday-Thursday - 7:30 am-5:00 pmFriday - 7:30 am-6:00 pmSaturday - 7:30 am-12:00 noon

24-Hour ATM

Mattoon Location1111 Charleston Ave.217-235-5411

Lobby Hours:Monday-Friday- 8:30 am-4:00 pm

Drive-thru Hours:Monday-Friday- 8:00 am-5:30 pmSaturday - 8:00 am-12:00 noon

24-Hour ATM

Consider the possibilities:

• Deposit checks using mobile deposit

• Pay your bills whenever you want

• Transfer money between accounts

• Open a checking account

• Apply for a home loan online

• And more!

24/7 VIRTUAL BRANCHBANK ANYWHERE - ANYTIME

Access our virtual branch through mobile banking on your smartphone, or through online banking on your tablet, laptop or desktop computer.

To learn more about our 24/7 Virtual Branch, visit our website at www.washingtonsavings.net/virtual branch

Visit us on facebookand twitter!