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Welcome to First Interstate Bank!
CLIENT CONVERSION GUIDE
New Clients from Inland Northwest Bank
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This Conversion Guide has been created especially for our new clients transitioning from Inland Northwest Bank (INB). To help ease your transition from INB to First Interstate Bank, you will find important information in this guide regarding:• Your new First Interstate Bank accounts.• Specific information on the conversion of CDs, loans, checking accounts, savings accounts, debit
cards, and more. • Terms and Conditions of your accounts (detailed in the enclosed “Your Deposit Account” booklet).• Additional products and services now available to you as part of the First Interstate family.
Want to change your account? No problem! If you have an INB checking and/or savings account, a First Interstate Bank checking and/or savings account with similar features has been selected for you. If you would like a different checking and/or savings account than the one we pre-selected, you may change to an account of your choosing starting Tuesday, November 13, 2018. Simply stop by any First Interstate branch or call our Client Contact Center and someone will assist you.
We are here to help: If you have additional questions or if we can be of service, please do not hesitate to call our Client Contact Center at 1-855-342-3400; representatives are available Monday-Friday, 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST) and Saturday from 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST).
Purpose of this Conversion Guide
WHAT WILL HAPPEN TO YOUR ACCOUNTS Your INB accounts will automatically convert to First Interstate Bank accounts between the close of business on Friday, November 9, 2018 and Sunday, November 11, 2018. In most cases, this change will be automatic—you will not have to do anything. There are some accounts and products for which you will receive additional materials in the mail. These mailings are identified in this guide, so you may anticipate their arrival.
Welcome to the First Interstate family!
On Tuesday, November 13, 2018, INB will become First Interstate Bank, giving you access to 147 branches across Idaho, Montana, Oregon, South Dakota, Washington, and Wyoming. We are delighted to have you as one of our newest clients!
A recognized leader in community banking services, First Interstate is a values-based company, driven by strong corporate values. We are deeply committed to the communities we serve and take great pride in our exceptional personal service, which has been a hallmark of our success. As a First Interstate Bank client, you’ll have access to new and innovative financial solutions, including Wealth Management and a credit card with a unique rewards program that features local merchants. Meanwhile, you’ll continue to enjoy personalized service from the bankers you’ve come to know and trust.
In November, your accounts will automatically transfer to First Interstate. We know change can be hard, and it is our goal to make this process as smooth as possible for you. To help you understand how your accounts may change, we are providing you with this conversion guide. If you have questions or concerns, please visit with your local banker or call our Client Contact Center at 1-855-342-3400.
I am excited for the possibilities and opportunities this merger brings as we expand our presence across Idaho, Oregon, and Washington. Our talented team of employees remains committed to delivering a premier banking experience, while always keeping you, our client, at the center of all we do. We look forward to getting to know you, and growing together as your trusted financial partner.
Sincerely,
Kevin Riley President and Chief Executive Officer
Welcome to First Interstate Bank
TABLE OF CONTENTS
Things to Know About First Interstate Bank 4
Personal Checking Accounts 5
Personal Savings Accounts 7
Personal Certificates of Deposit and IRAs 8
Personal Overdraft Services, Loans, and Lines of Credit 9
Personal Credit Cards 10
Important Information About Personal Banking 11
Business Checking Accounts 16
Business Savings Accounts and CDs 18
Business Overdraft Services and Loans 19
Business Credit Cards 20
Treasury Solutions and Business Services 21
Important Information About Business Banking 22
Fee Schedule - Personal and Business 24
First Interstate Bank Locations 28
Important Dates and Information 30
Our branches will be closed on Monday, November 12 in observance of Veterans Day. However, our Client Contact
Center will be fully staffed and ready to assist you.
Client Contact Center: 1-855-342-3400
Monday-Friday, 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST) Saturday, 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST)
Kevin Riley President and Chief Executive Officer
First Interstate BancSystem, Inc.
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It’s you and together. Introducing First Interstate Bank
Headquartered in Billings, Montana, First Interstate Bank is the principal subsidiary of First Interstate BancSystem, Inc. (NASDAQ: FIBK). Founded in 1968, First Interstate is driven by strong values and a long-term, disciplined perspective that emphasizes our commitment to providing high-quality financial products and services as well as delivering exceptional client service. We are passionate about supporting our communities through socially responsible leadership as well as cultivating a strong and positive corporate culture. For more information, please visit firstinterstate.com.
Regional Reach
With the addition of INB, First Interstate proudly serves communities throughout Idaho, Montana, Oregon, South Dakota, Washington, and Wyoming in 147 branch locations.
Accessible When and Where You Need Us
We offer our clients the option of an in-person consultation with our knowledgeable bankers, as well as the convenience of anytime, anywhere digital access, including Online Banking, Mobile Banking, Mobile Deposit, Account Alerts, and Debit Card Text Alert Fraud Prevention.
For ATM access, First Interstate Bank is part of the MoneyPass® ATM network, which provides our clients with service charge-free withdrawals at over 32,000 ATM locations across the country.
First Interstate Wealth Management
As part of the First Interstate family, you now have convenient access to Wealth Management services. At First Interstate Wealth Management, we have the expertise to assist you with both expected issues and the unexpected. We take the time to work personally and comprehensively with our clients, giving you security and peace of mind. No matter what stage of life you’re in, our knowledgeable Wealth Advisors are ready to provide guidance. We’re proud to serve a wide variety of clients with diverse needs, including: • Individuals• Business Owners• Corporate Executives• Foundations• Nonprofit Organizations• Municipalities
Committed to Our Communities
As the charitable affiliate of First Interstate BancSystem, Inc., the First Interstate BancSystem Foundation is funded by and works closely with the Bank. The Foundation’s mission is to establish First Interstate Bank as the premier corporate citizen in the communities we serve. Since its inception in 1990, the Foundation has donated over $25 million in financial support to organizations throughout our footprint. In addition, we’ve fostered several programs and offered gift matching opportunities for our employees to help us strengthen this ethic of giving and ultimately, our impact.
Things to Know About First Interstate Bank
PERSONAL CHECKING ACCOUNTS FDIC insurance limit is $250,000 per depositor, per insured bank.
The chart below outlines your current INB account and the First Interstate Bank account to which it will convert:
Personal Banking: Personal Checking Accounts
Your Current INB Checking Account Your New First Interstate Checking Account
INB CheckingBasic Checking
Bank on DDA
Reward Checking
Preferred CheckingReward Checking II
NOW Checking
INB Checking - Idaho Medical Savings* Idaho Medical Savings (see page 7)
*Additional information will be mailed separately to clients with an Idaho Medical Savings account.
You may continue to use your INB checks until May 31, 2019. After that date, your checks must reflect the First Interstate name and routing number (092901683). An initial starter kit of checks including the First Interstate routing number will be sent to you the week of October 29, 2018. You may begin using your new First Interstate checks on Monday, November 12, 2018.
Updating Your Routing Number
To ensure your payments are processed properly, we recommend you update your routing number as soon as possible after November 12, 2018. Here are some tips to get you started:
• Order new First Interstate Bank checks that include the First Interstate Bank routing number. For your convenience, a starter kit of checks will be sent to all personal checking account clients. To order more checks, simply login to I-Bank Personal Online Banking after November 12 to place your order (personal checks previously ordered online only) or contact your local First Interstate branch after November 13, 2018.
• Update electronic payment information. If you have automatic payments taken from your checking account, you will need to update the routing number to 092901683 after November 12, 2018.
Routing Number Account NumberCheck Number
For more information about First Interstate Bank’s checking accounts, visit firstinterstate.com or call our Client Contact Center at 1-855-342-3400. Representatives are available Monday-Friday, 7:30 a.m. to 7 p.m. MST
(6:30 a.m. to 6 p.m. PST) and Saturday, 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST).
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Personal Banking: Personal Checking Accounts
FEATURES AND BENEFITS OF FIRST INTERSTATE BANK PERSONAL CHECKING ACCOUNTS
PERSONAL SAVINGS ACCOUNTS The chart below outlines your current INB account and the First Interstate Bank account to which it will convert:
Personal Banking: Personal Savings Accounts
FEATURES AND BENEFITS OF FIRST INTERSTATE BANK PERSONAL SAVINGS ACCOUNTS
BASIC CHECKING PREFERRED CHECKING
Amount needed to open account
$100 $100
Minimum balance required
— $1,500 or $5,000 combined1 deposit daily balance
Fee if balance is not maintained
$5/monthWaived when you utilize direct deposit (at least one per month) or setup electronic statements within 30 days of account opening.
$13/month Waived for clients 60 years or older
Interest earned on account
No Yes Market Rate
I-Statements electronic statements
Yes Yes
Paper statements with images
$5/month Yes
Paper statements without images
Yes —
Checks Varies by style (no free option) Free standard or $5 discount on other styles
Debit Card Free Free
I-Bank Online Banking Free Free
I-Pay Bill Pay Free (for 20 payments; 40¢ per payment after first 20 payments)
Free (for 20 payments; 40¢ per payment after first 20 payments)
Mobile Banking Free Free
Account Alerts Free Free
Day & Night Teller ATM Free at FIB locations and where you see the MoneyPass logo
Free at FIB locations and where you see the MoneyPass logo
Direct Deposit Available Available
Overdraft Protection Service
Available with $24 annual fee. Annual fee waived for the first year if enrolled prior to account conversion; transfer fee applies.
Available; transfer fee applies
Courtesy Overdraft Available Available
Safe Deposit Box Discount — $5
Interest Rate Bonus — .10 % on CDs ≥ 2 years
FirstRewards® — 3,000 points earned when FirstRewards credit card opened with Preferred account*
1To calculate your combined balance, we will add the current balances of your other First Interstate Bank deposit accounts (checking, savings, CDs, and IRAs) as of the business day preceding the last day of each statement cycle.
*Subject to credit approval.
Your Current INB Savings Account Your New First Interstate Savings Account
Minor Savings Minor Joint Savings
Minor Savings (UTMA & UGMA) Minor UTMA Savings
INB Savings
Regular SavingsReward Savings
Bank on Savings
Personal Money Market Market Interest Savings
Idaho Medical Savings* Idaho Medical Savings
*Additional information will be mailed separately to clients with an Idaho Medical Savings account.
REGULAR SAVINGS, MINOR JOINT SAVINGS, MINOR UTMA SAVINGS
MARKET INTEREST SAVINGS
IDAHO MEDICAL SAVINGS
Amount needed to open account
$100Minor Savings: $50
$100 $100
Minimum balance required $200Minor Savings: $0
$1,000 $200
Fee if balance is not maintained
$4/month; waived for clients under 18
$11/month $4/month
Interest earned on account Variable rate compounded and credited to account monthly
Variable, 5-Tiered rate:Tier I $0 - $9,999.99 Tier II $10,000 - $49,999.99 Tier III $50,000 - $99,999.99 Tier IV $100,000 - $249,999.99 Tier V > $250,000 compounded and credited to account monthly
Variable, 5-Tiered rate:Tier I $0 - $9,999.99 Tier II $10,000 - $49,999.99 Tier III $50,000 - $99,999.99 Tier IV $100,000 - $249,999.99 Tier V > $250,000 compounded and credited to account monthly
Excessive withdrawal fee $10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.
$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.
$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.
Statements or notices Quarterly statement (or monthly if combined with checking account statement)
Quarterly statement (or monthly if combined with checking account statement)
Annual statement
Other requirements
—
Check safekeeping required For Idaho residents only; contributions to this account may be tax deductible. Please consult a tax professional for more details.
Other Information Minor Savings will convert to Regular Savings when minor turns 18
— —
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CERTIFICATES OF DEPOSIT AND IRAS – PERSONALYour INB Certificate of Deposit (CD) and/or Individual Retirement Account (IRA) will automatically transfer to First Interstate Bank and will not change prior to maturity. First Interstate Bank will assume Custodial/Trustee responsibilities for IRA accounts. Approximately 20 days prior to maturity, you will receive a renewal notice informing you of changes that will occur at renewal. It is important that you retain your original INB documents along with your First Interstate Bank mailing and this conversion guide for your records. Additional information will be mailed separately to clients with an INB SIMPLE IRA.
If you currently utilize the Certificate of Deposit Account Registry Service (CDARS®) at INB, this service will automatically transfer to First Interstate Bank; you should not experience any interruption in service.
Your Current Prime Pacific Bank Account
CERTIFICATE OF DEPOSIT/FIXED RATE IRA
Amount needed to open account $1,000 for terms three to 60 months $10,000 for terms one to two months (CDs only)
Minimum balance required Same as above
Interest earned on account - upon next maturity
Fixed Rate ● Simple Interest ● Credited annually for terms greater than 12 months
or at maturity for terms 12 months or less ● Interest Payment Options
° reinvested (compounded) ° transferred to checking or savings account monthly, quarterly, annually, or at maturity depending
on term ° interest payment may be transferred to another financial institution
Other Information
Client will receive notices for rate changes and at maturity
Auto-renew feature allows client a 10-day grace period to decide whether to renew or cancel a CD/IRA
Personal Banking: Cer tif icates of Deposit and IRAs
Changes to CD and IRA Early Withdrawal Penalties (Upon Next Maturity)
Current New
A penalty may be imposed for withdrawals before maturity. Accounts with original maturity six (6) months or less may have a penalty imposed of 30 days of interest on the amount withdrawn.
If your account has an original maturity of more than six (6) months up to 18 months, a penalty of 90 days of interest on the amount withdrawn may be imposed.
If your account has an original maturity of more than 18 months, a penalty of 180 days of interest on the amount withdrawn may be imposed.
• Less than two months = forfeit all earned interest• Three to 11 months = forfeit greater of three months’ interest earned on
the amount withdrawn or $25• 12-23 months = forfeit greater of six months’ interest earned on the
amount withdrawn or $25• 24-35 months = forfeit greater of 12 months’ interest on the amount
withdrawn or $25• 36 months & over = forfeit greater of 24 months’ interest earned on the
amount withdrawn or $25• No penalty if withdrawal is for major medical expense or death or an IRA after age 59 and a half
PERSONAL OVERDRAFT SERVICES If you currently utilize a checking, savings, or Money Market account, a personal line of credit, or a home equity line of credit for Overdraft Protection, your coverage, transfer amounts, and transfer fees will automatically convert to First Interstate. If you have INB’s Standard Overdraft Privilege coverage including checks, ACH items and recurring debits (typically used for automatic payment of subscriptions, dues, utility payments, etc.), and in-person transactions, it will NOT automatically transfer to First Interstate Bank. If you have INB’s Extended Overdraft Privilege coverage for your ATM and one-time debit card transactions, it will NOT automatically transition into First Interstate Bank’s opt-in coverage, called Debit Card Courtesy Overdraft. See below for more information.
OVERDRAFT OPT-IN (EXTENDED OVERDRAFT PRIVILEGE)If you have opted into INB’s Extended Overdraft Privilege coverage for your ATM and one-time debit card transactions, it will NOT automatically transition into First Interstate Bank’s opt-in coverage, called Debit Card Courtesy Overdraft. Instead, you will need to complete the Debit Card Courtesy Overdraft opt-in form, which will be mailed separately to clients currently enrolled in Extended Overdraft Privilege.
If you are not currently enrolled and are interested in opting into First Interstate’s Debit Card Courtesy Overdraft, simply visit your local First Interstate branch after November 13, 2018. Debit Card Courtesy Overdraft provides clients a way to have their one-time ATM and debit card transactions approved, even if there are not sufficient funds in the account. Upon conversion to First Interstate Bank, the charge for this service is $30 for each Debit Card Courtesy Overdraft transaction.
If you are not currently enrolled in any overdraft service, the following overdraft services will be available to you starting November 12, 2018. Please call our Client Contact Center at 1-855-342-3400 for more information.
Personal Banking: Overdraft Services, Loans, and Lines of Credit
Overdraft Options Cost for Each Overdraft
Automatic transfer from a Checking, Savings, or Market Interest account* $5 transfer fee per transaction; transfers are made in the amount designated by the client. If an amount is not specified, the amount needed to cover the overdraft and the associated transfer fee will be transferred.
First Interstate Bank Mastercard® Credit Card $10 transfer fee for transfers up to $50; $19 transfer fee for transfers over $50.
Transfers occur in the amount needed to cover the overdraft plus the transfer fee; there are no set-up charges.
Balance Plus Line of Credit $5 transfer fee per transaction. Transfers occur in the amount needed to cover the overdraft plus the transfer fee; there are no set-up charges. Interest accrues on transferred amount.**
PERSONAL LOANS & LINES OF CREDITIf you currently have a loan or line of credit at INB, it will automatically transfer to First Interstate Bank.
Your current rates and terms will remain in effect until maturity. You will begin receiving statements from First Interstate Bank, and your loan number and credit terms will not change unless otherwise notified. If your loan payment is set up to be automatically transferred, this service will continue. All payments made after Friday, November 9, 2018, should be made payable to First Interstate Bank and either delivered to one of our convenient branch locations or mailed to: First Interstate BankP.O. Box 31295Billings, MT 59107-1295
*There is an excessive withdrawal fee of $10 per withdrawal if withdrawals from your savings account exceed six (6) per calendar month. This includes overdraft transfers. This fee will not apply to savings transactions made in person, at an ATM, or by mail.
**The Annual Percentage Rate on Balance Plus is 18.00%. Rate subject to change. Balance Plus requires credit approval and applications can be obtained at your local First Interstate branch.
Current New
Quarterly statements provided, unless combined with deposit statements. CDs: No statements will be provided unless combined with a deposit account.
IRAs: Annual Fair Market Value Statement (FMV) will be provided.
Changes to CD and IRA Statements Upon Conversion
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PERSONAL CREDIT CARDSIf you have an INB Visa® credit card, you will receive a new First Interstate Bank Mastercard credit card on or around November 9, 2018. You must activate your new card on or after November 11, 2018, as your INB Visa will not work after that date.
Your credit limit on your new First Interstate Mastercard credit card will be the same as the credit limit on your current INB Visa. In addition, any balance on your current card, as well as new transactions made using your First Interstate credit card, will reflect your current Annual Percentage Rate (APR).
Any existing ScoreCard Rewards points will NOT transfer to your new First Interstate Mastercard credit card. Existing points must be redeemed by January 7, 2019. Any unredeemed points will be forfeited after that date. To redeem, visit ScoreCardRewards.com or call 1-800-854-0790.
Action Needed
• Activate your new First Interstate Bank Mastercard credit card on or after November 11 by calling 1-800-456-6870.
• Update any payment information tied to your INB Visa with your new First Interstate Bank card number and expiration date.
• Register your card through I-Bank Personal Online Banking. If you currently have an account with MyCardStatement.com, your login information will remain the same. Additionally, if you have recurring payments established in MyCardStatement.com, those will continue with your new First Interstate Bank Mastercard credit card. However, beginning November 12, 2018, you will no longer be able to link accounts within MyCardStatement.com.
New Features
• Fraud Alerts: You are automatically enrolled to receive fraud alerts via text message, email, and phone. Alerts will be sent to the cell phone number and/or email provided on your account. Alerts are triggered by transactions that have been identified as potential fraud. For questions or to update your information, please visit your local First Interstate branch or call First Interstate’s Payment Services Department at 1-855-342-3400 (option 5).
• FirstRewards will replace ScoreCard Rewards. Points can be redeemed for gift cards to local businesses or for travel rewards. You can also redeem points for a Mastercard gift card. Visit rewards.firstinterstate.com to learn more.
SECUREDCARD
Personal Banking: Personal Credit Cards
Your Current INB Personal Credit Card Your New First Interstate Bank Personal Credit Card
INB Classic Credit Card
FirstRewards® World MastercardINB Gold Credit Card
INB Platinum Credit Card
ACCOUNT NUMBERS
Checking, Savings, Certificates of Deposit, IRAs, and Loans
• The majority of account numbers will remain the same. A small number of account numbers have been identified as duplicate account numbers with another First Interstate Bank account; as such, we will need to change the account numbers on those few accounts. If your account is impacted in any way, we will contact you personally. If you do not hear from us about updating your account number, you can assume it will remain the same.
• Your new First Interstate Bank account will be subject to the terms and conditions provided in the “Your Deposit Account” booklet included with this guide.
Direct Deposit and Automatic Payments
If you currently have a direct deposit (e.g., payroll, Social Security, government entities, etc.) into your account, or an automatic payment (e.g., insurance or loan payment) out of your account, this will continue. However, on November 12, 2018, the routing number associated with these payments will change to 092901683. First Interstate Bank will send notice of the routing number change to originators. If the originator makes the requested change, you will not need to do anything. However, if the originator does not make the change, you may need to personally contact them. We recommend you utilize the Switch Kit documents located at firstinterstate.com to notify originators of the change to your routing number, especially for payroll and any deposit benefits you receive. If you receive deposits from a government agency, you may find this information useful:
• Social Security Administration: 1-800-SSA-1213 or ssa.gov
• Department of Veterans Affairs: 1-800-827-1000 or va.gov
• Veterans Compensation, Pension & Education: 1-800-827-1000 or benefits.va.gov/benefits
• Internal Revenue Service: 1-800-829-1040 or irs.gov
If you have payments established using a web-based bill payment program other than INB’s, you will need to go into that program and enter First Interstate Bank’s routing number (092901683) and, if applicable, your new account number, for any payments made after Friday, November 9, 2018. All direct deposits and payments must utilize First Interstate’s routing number (092901683) by May 31, 2019 to ensure uninterrupted processing.
CHECKING ACCOUNTS
Checks
• You may continue to use your INB checks until May 31, 2019. After that date, your checks must reflect the First Interstate name and routing number (092901683). An initial starter kit of checks including the First Interstate routing number will be sent to you the week of October 29, 2018. You may begin using your new First Interstate checks on Monday, November 12, 2018.
Debit Cards
• Please continue to use your INB debit card until midnight on Monday, November 12, 2018.
• If you currently have an INB debit card, you will receive a new First Interstate Bank Debit Mastercard, which also serves as your ATM card. You may use your debit card for signature, debit PIN-based, and ATM transactions.
• Please activate your card as soon as you receive it by calling 1-800-342-2974. Beginning Tuesday, November 13, 2018, you may also activate your card using your PIN at a First Interstate Bank ATM or by visiting your local First Interstate branch.
• The PIN for your new First Interstate Debit Mastercard will be the same as the PIN for your INB debit card. For your convenience, you may change your PIN by calling 1-866-656-4592 if you know your current PIN, or by visiting a First Interstate branch after November 13, 2018.
Important Information About Personal Banking
Note: The PIN for your new First Interstate Bank Debit Card will be the same as the PIN for your INB debit card.
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FUNDS AVAILABILITYFirst Interstate’s policy is to make funds available the same day for deposits of cash, checks drawn on First Interstate Bank, and electronic direct deposits such as Automated Clearing House (ACH), wires, and remote deposits. Deposited checks drawn on other banks will be available the next business day after the deposit is made. Funds Availability does not pertain to savings accounts. Please refer to the Funds Availability Policy in the enclosed “Your Deposit Account” booklet.
Important Information About Personal Banking
PERSONAL ONLINE BANKINGIf you currently use personal online banking with INB, all transferring accounts will automatically appear when you convert to First Interstate’s I-Bank Personal Online Banking. There is no charge to use I-Bank Personal Online Banking, which will become available at 8 a.m. MST/7 a.m. PST on Monday, November 12, 2018.
Accessing Your Account
• Your username to access First Interstate’s I-Bank Personal Online Banking will be the same as your INB personal online banking login ID. During the INB First Time Login Setup process (see the next page for instructions), you will be prompted to complete access authentication steps to verify your identity.
• Prior to your first login, we recommend utilizing our “Test Your Browser” feature to ensure your browser specifications meet the new browser requirements; this can be found on the first-time login page at firstinterstate.com.
Important Information About Access to Online Banking During the Conversion
• Your INB personal online banking access will continue until 5 p.m. MST/4 p.m. PST on Friday, November 9, 2018.
• There will be no access to online banking/mobile banking between 5 p.m. MST/4 p.m. PST Friday, November 9, 2018 and 8 a.m. MST/7 a.m. PST Monday, November 12, 2018.
What Will Stay the Same
The following features will automatically convert from INB personal online banking to I-Bank Personal Online Banking:
• Accounts you have access to at INB will convert; however, access to these accounts at First Interstate Bank is dependent upon your account relationship (owner, signer, etc.) and the verified Tax Identification Number (TIN) on each account. If you do not see an account after conversion, please contact your local banker for assistance.
• Account nicknames (maximum of 32 characters; however, nicknames may truncate after 25 characters)
• Checking and Savings Electronic Statements (18 months of your INB statement history will transfer by December 31, 2018)
• Scheduled Recurring Transfers (with the exception of INB mortgage payments and transfers to external accounts) NOTE: Scheduled Recurring Transfers are tied to one user. In cases where multiple users may have access, the transfer will be tied to the primary account holder.
Important Information About Personal Banking
1. For future logins, click on the orange button on the top right-hand side of firstinterstate.com.
2. Select “Online Banking” from the drop down box.
3. Enter your username and password, then click “Sign In.”
1. Visit firstinterstate.com and select the “INB First Time Login” button on the INB Welcome Banner.
2. Enter your existing INB online banking login ID into the First Time Login Setup screen and select “Next.”
3. Enter your Social Security Number or Tax Identification Number into the First Time Login Setup screen and select “Submit.”
4. You will be prompted to review and accept the terms and conditions. Click “See the terms and conditions” to review; click “I Accept” to continue.
5. You will be prompted to change your password; please do so then click “Save and go to my account.”
6. You will be prompted to verify your contact information. Select how you would like to receive your one-time verification code, which is used to confirm your contact information. If your email address is on file, it will be listed as an option; you will be able to edit your email address. You will also have the option to add a phone number if you wish to receive your one-time verification code by text or phone call.
7. Once you select how you wish to be verified, you will receive an email, text, or phone call, depending on your selection. Enter your one-time verification code into the “Enter verification code here” field.
8. You will be able to register your computer so the next time you login, you will not have to repeat the verification process. Or, you may choose not to register the computer, which is recommended if you are using a public computer.
9. Once verification is complete, you will be logged into I-Bank Personal Online Banking and directed to your “My Accounts” page.
Logging Off
Logging off online banking is an important part of keeping your financial information secure.
• To maximize your online banking security, we recommend you click “Logout” in the Menu on the top, right-hand side of the screen.
• For your protection, the system will automatically time out and log you off if you are not actively using the system. This prevents you from inadvertently leaving it open and accessible to others.
First Time Login Steps
After First Time Login Steps
HOW TO USE PERSONAL ONLINE BANKING
Note: To ensure a successful login, we highly recommend you utilize the “Test Your Browser” feature prior to login. If issues are detected, we recommend you address those issues, refresh your browser, and then retest your browser to ensure any issues have been resolved.
Note: You will be prompted to change your username if your current INB online banking login ID does not meet First Interstate’s requirements.
CHECKING ACCOUNTS (CONTINUED)
Debit Cards (continued)
• If you have not received your new First Interstate Bank Debit Mastercard by November 5, 2018, or have additional questions, please call our Client Contact Center at 1-855-342-3400 (option 9) or visit any First Interstate branch.
• Your First Interstate Bank Debit Mastercard will have a new number, so you will need to contact payees if you have any recurring payments tied to your INB debit card.
• The ability to control when your debit card is ON or OFF and the ability to set transaction alerts through Card Valet will no longer be available effective November 13, 2018. You are still protected by Mastercard Zero Liability, which means you are not responsible for unauthorized transactions made using your First Interstate Bank Debit Mastercard. Visit mastercard.us for more information about Zero Liability.
Daily purchase limit: $2,500 Daily ATM withdrawal: $1,005
PERSONAL ONLINE BANKING (CONTINUED)
What Will Change
The following features will NOT automatically convert from INB personal online banking to I-Bank Personal Online Banking:
• Transaction history, including external transfers and person-to-person payments
• Electronic Statements and Notices – only Checking and Savings Electronic Statements will convert. We recommend you download/print a copy of statements or notices from your INB personal online banking system before November 9, 2018.
• Account Alerts – can be re-established after conversion. Do not disturb options are not available.
• Scheduled mortgage payments and mortgage transaction history
• Debit card on/off controls are not available
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Important Information About Personal Banking
ONLINE BILL PAYThere is no monthly charge to use First Interstate’s Online Bill Pay. When paying a bill online, please note that funds will not be withdrawn from your account until the payment is processed by the payee.
Payees
Most payees will automatically transfer to First Interstate Bank’s Online Bill Pay. You will need to manually add any payees that do not automatically transfer to your new online banking profile. We recommend you download/print a copy of your payees and payments from your INB personal online banking system before Friday, November 9, 2018.
Payments
Most established recurring payments will automatically transfer to First Interstate Bank. You will need to manually add any scheduled or recurring payments that do not automatically transfer to your new online banking profile. We recommend you download/print a copy of your payees and payments from your INB personal online banking system before Friday, November 9, 2018.
QUICKEN®/QUICKBOOKS®
If you currently use Quicken or QuickBooks for your personal financial management, your ability to update this software with your INB account data and transactional history will cease on November 9, 2018. It is important to have your account(s) up-to-date within Quicken/QuickBooks prior to 5 p.m. MST (4 p.m. PST) on November 9, 2018, to prevent losing access to this information. Any information not updated prior to this date will need to be keyed in manually.
AUTOMATIC TRANSFERSAutomatic transfers established on your INB checking or savings account will convert to your First Interstate Bank account. However, transfers debiting an external account are only allowed if they are applied to a First Interstate Bank loan. All other transfers debiting an external account will be discontinued on November 9, 2018. If you would like to establish automatic transfers from an account at another financial institution into your new First Interstate Bank checking or savings account, you will need to establish a transfer at the financial institution where the transfer will be originated. Beginning Monday, November 12, 2018, you may use I-Bank Personal Online Banking to establish transfers with no fee using our “Move Money” or “POPmoney” features. Please note, there is a $0.25 transaction fee for automatic transfers established on checking or savings accounts.
FDIC INSURANCEYour transferred deposits are separately insured from any accounts you may already have at First Interstate for at least six months after the date of the merger (through May 9, 2019). This grace period gives you a chance to restructure your accounts, if necessary, to make sure you have 100% FDIC coverage. Time Deposits (CDs) transferred to First Interstate Bank are separately insured until the earliest maturity date after the end of the six-month grace period. Time Deposits (CDs) that mature during the six-month grace period and are renewed for the same term in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month grace period. If a Time Deposit (CD) matures during the six-month grace period and is renewed on any other basis, it is separately insured only until the end of the six-month grace period. If you have concerns about FDIC insurance, please visit your local First Interstate branch and speak to one of our knowledgeable bankers.
MOBILE BANKING
Download the First Interstate Bank Mobile App
It’s easy! Go to your App Store and search for First Interstate Bank. There is no charge to install or use our mobile banking app. With convenient features like mobile check deposit, balance and payment push notifications, account management, internal transfers, a balance widget, and more, it’s no wonder our mobile app averages over four-stars on both the Google Play and Apple App stores.
Login Instructions
Before you login to Mobile Banking for the first time on or after November 12, 2018, you must complete the INB First Time Login process at firstinterstate.com (see instructions on page 13). Once you’ve established your new login credentials, simply use those to login to the mobile app. You will also be prompted to complete access authentication steps to verify your identity.
ONLINE CHECK ORDERINGYour INB check order history will convert to First Interstate Bank, which means you will be able to reorder checks online starting November 12, 2018. Effective Monday, October 29, 2018, you will no longer be able to order INB checks, so please plan accordingly.
TELEPHONE BANKINGIf you prefer to conduct your banking over the phone, we suggest our free, Day & Night Telephone Banking. Telephone Banking is available to you beginning at 8 a.m. MST/7 a.m. PST, Monday, November 12, 2018. Simply call 1-855-342-3400 (option 1) 24 hours per day.
Before using our Telephone Banking service, be sure to have your First Interstate Bank account number(s) handy. You will also need to know your Personal Identification Number (PIN). The first time you call, your PIN will be the last four digits of the Social Security Number or Tax ID of the primary account holder. You will then be instructed to change your PIN to a new four-digit number that only you know.
MORTGAGE LOANSThe servicing and ownership of your mortgage loan will be transferred from INB to First Interstate Bank at close of business on Friday, November 9, 2018. Starting November 12, 2018, First Interstate Bank will collect your payments. Clients with mortgage loans will receive a separate communication with additional details regarding the servicing of their loan.
SAFE DEPOSIT BOXESIf you currently have a safe deposit box with INB, it will automatically transition to First Interstate Bank and be available to you in its existing location. Box sizes available and corresponding annual fees (effective upon renewal date) are as follows:
Important Information About Personal Banking
BOX SIZE IDAHO OREGON WASHINGTON2 x 5 — $40 $25
3 x 5 $30 $40 $30
5 x 5 $40 $55 $40
3 x 10 $45 $65 $45
5 x 10 $61 $75 $61
10 x 10 $94.50 $125 $94.50
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BUSINESS CHECKING ACCOUNTS FDIC insurance limit is $250,000 per depositor, per insured bank.
The chart below outlines your current INB account and the First Interstate Bank account to which it will convert:
Detailed information on your new First Interstate Bank business checking accounts can be found on the next page.
You may continue to use your INB checks until May 31, 2019. After that date, your checks must reflect the First Interstate name and routing number (092901683). An initial starter kit of checks including the First Interstate routing number will be sent to you the week of October 29, 2018. You may begin using your new First Interstate checks on Monday, November 12, 2018.
Updating Your Routing Number
To ensure your payments are processed properly, we recommend you update your routing number as soon as possible after November 12, 2018. Here are some tips to get you started:
• Order new First Interstate Bank checks that include the First Interstate Bank routing number. For your convenience, a starter kit of checks will be sent to all business checking account clients. To order more checks, simply contact your local First Interstate Bank branch after November 13,2018.
• Update electronic payment information. If you have automatic payments taken from your checking account, you will need to update the routing number to 092901683 beginning November 12, 2018.
Business Banking: Business Checking Accounts Business Banking: Business Checking Accounts
FEATURES AND BENEFITS OF FIRST INTERSTATE BANK BUSINESS CHECKING ACCOUNTS
Your Current INB Business Checking Account Your New First Interstate Business Checking Account
Presidents Choice Checking
Basic Business CheckingBizSmart Checking
Business Checking
Analyzed Checking Business Checking
Business W.I.N. CheckingBusiness Checking with Interest
Business Interest Checking
Business Sweep Basic Business Checking with Interest
NOW IOLTA IOLTA (IOLTA - Idaho; IOLTA - Oregon; IOLTA - Washington)
NOW Public Fund State, County, & Municipality (SCM) Interest NOW
Business Public Funds Checking State, County, & Municipality (SCM) Regular Checking
BASIC BUSINESS CHECKING
BUSINESS CHECKING
BUSINESS CHECKING WITH INTEREST
BASIC BUSINESS CHECKING WITH INTEREST
STATE, COUNTY & MUNICIPALITY (SCM) REGULAR CHECKING
STATE, COUNTY & MUNICIPALITY (SCM) INTEREST NOW
Amount needed to open
account
$100 $100 $100 $100 $100 $100
Minimum balance required
$300—
$5,000 $25,000—
$1,000
Monthly maintenance
Fee
$9/month if minimum balance is not maintained
$9/month $10/month if minimum balance is not maintained
$20/month if total deposit balance drops below $25,000
$9/month $10/month if minimum balance is not maintained
Withdrawals (Checks)
First 100 checks - FREE 25¢ per check > 100
15¢ per check 15¢ per check First 50 checks - FREE 25¢ per check > 50
15¢ per check —
Deposits (Tickets)
No Charge 15¢ per deposit10¢ electronic debit or credit
15¢ per deposit10¢ electronic debit or credit
No Charge 15¢ per deposit10¢ electronic debit or credit
No Charge
Charge per deposit item
First 100 deposit items - FREE 25¢ per deposit item > 100
7¢ per FIB item and 10¢ per non-FIB item
7¢ per FIB item and 10¢ per non-FIB item
First 50 deposit items - FREE 25¢ per deposit item > 50
7¢ per FIB item and 10¢ per non-FIB item
—
Interest earned on account
No Earning credit to offset transaction fees and maintenance fee - paid on average monthly collected balance; may not exceed cost of account maintenance and transaction fees
Variable, 4- tier rate: Tier I <$25,000 Tier II $25,000 - $100,000 Tier III $100,000 - $500,000 Tier IV >$500,000 compounded and credited to account monthly
Variable, 4- tier rate: Tier I <$25,000 Tier II $25,000 - $100,000 Tier III $100,000 - $500,000 Tier IV >$500,000 compounded and credited to account monthly
Earning credit to offset transaction fees and maintenance fee - paid on average monthly collected balance; may not exceed cost of account maintenance and transaction fees
Variable Rate
Statements Statements with imaged checks
Statements with imaged checks
Statements with imaged checks
Statements with imaged checks
Statements with imaged checks
Statements with imaged checks
Checks Price varies by style Price varies by style Price varies by style Price varies by style Price varies by style Price varies by style
Overdraft Protection
Service
Overdraft protection may be provided by a First Interstate savings account or Balance Plus
Overdraft protection may be provided by a First Interstate savings account or Balance Plus
Overdraft protection may be provided by a First Interstate savings account or Balance Plus
Overdraft protection may be provided by a First Interstate savings account or Balance Plus
Overdraft protection may be provided by a First Interstate savings account or Balance Plus
Overdraft protection may be provided by a First Interstate savings account or Balance Plus
LAWYER TRUST ACCOUNT (IOLTA) No Monthly Service Charge with this account.
Purpose: Benefits:
• Designed for law firms looking for the ideal account to hold clients’ funds. • Convenient interest-bearing checking account to place pooled funds
• Tiered interest rates
• Net interest paid to support legal aid and legal services
• Reporting provided to applicable state agencies
Routing Number Account NumberCheck Number
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Business Banking: Business Savings Accounts and CDs
BUSINESS SAVINGS ACCOUNTSThe chart below outlines your current INB account and the First Interstate Bank account to which it will convert:
CERTIFICATES OF DEPOSIT – BUSINESSYour INB CD will not change prior to its maturity; existing rates and terms will remain in effect until maturity. Approximately 20 days prior to maturity, you will receive a renewal notice informing you of changes that will occur at renewal. It is important that you retain your original INB documents along with your First Interstate Bank mailing and this conversion guide for your records.
If you currently utilize the Certificate of Deposit Account Registry Service (CDARS®) at INB, this service will automatically transfer to First Interstate Bank; you should not experience an interruption in service.
Your Current INB Business Savings Account Your New First Interstate Business Savings Account
INB Business SavingsBusiness Regular Savings
Sav ITF/NonPro
High Yield Business SavingsBusiness Market Interest
Business Money Market
Money Market Public Funds State, County, & Municipality (SCM) Market Interest
Savings Public Funds State, County, & Municipality (SCM) Regular Savings
Business Banking: Overdraft Services and Loans
BUSINESS REGULAR SAVINGS
BUSINESS MARKET INTEREST
STATE, COUNTY & MUNICIPALITY (SCM) MARKET INTEREST
STATE, COUNTY & MUNICIPALITY (SCM) REGULAR SAVINGS
Amount needed to open account
$100 $100 $100 $100
Minimum balance required $200 $1,000 $1,000 $200
Interest earned on account Variable rate compounded and credited monthly
Variable, 5-Tiered rate: Tier I $0 - $9,999.99 Tier II $10,000 - $49,999.99 Tier III $50,000 - $99,999.99 Tier IV $100,000 - $249,999.99 Tier V > $250,000 compounded and credited to account monthly
Variable, 5-Tiered rate: Tier I $0 - $9,999.99 Tier II $10,000 - $49,999.99 Tier III $50,000 - $99,999.99 Tier IV $100,000 - $249,999.99 Tier V > $250,000 compounded and credited to account monthly
Variable rate compounded and credited monthly
Fee if balance is not maintained $6/month $11/month $11/month $6/month
Charge per deposit item First 25 items deposited - FREE 20¢ per item > 25
First 25 items deposited - FREE 20¢ per item > 25
First 25 items deposited - FREE 20¢ per item > 25
First 25 items deposited - FREE 20¢ per item > 25
Excessive withdrawal fee $10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.
$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.
$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.
$10 fee for each transfer or withdrawal after six (6) such transactions in a month. The fee will not apply to transactions made in person, at ATM, or by mail.
Other requirements — Check safekeeping required Check safekeeping required —
Statements or notices Monthly statement Monthly statement Monthly statement Monthly statement
Overdraft Options Cost for Each Overdraft
Automatic transfer from a Checking, Savings, or Market Interest account* $5 transfer fee per transaction; transfers are made in the amount designated by the client. If an amount is not specified, the amount needed to cover the overdraft and the associated transfer fee will be transferred.
Automatic transfer from a Line of Credit No Fee. Interest accrues on transferred amount.
Balance Plus Line of Credit $5 transfer fee per transaction. Transfers occur in the amount neededto cover the overdraft plus the transfer fee; there are no set-up charges.Interest accrues on transferred amount.**
If you currently utilize a checking, savings, Money Market account, or a business line of credit for Overdraft Protection, your coverage, trans-fer amounts, and transfer fees will automatically convert. If you have INB’s Standard Overdraft Privilege coverage including checks, ACH items and recurring debits (typically used for automatic payment of subscriptions, dues, utility payments, etc.), and in-person transactions, it will NOT automatically convert.
The following overdraft services will be available to you starting November 12, 2018. Please call 1-855-342-3400 (option 4) for more infor-mation.
BUSINESS OVERDRAFT SERVICES
BUSINESS LOANS & LINES OF CREDITIf you currently have a loan or line of credit at INB, it will be transferred to First Interstate Bank.
Business/commercial loans will convert per the terms of your INB notes and security agreements. Your loans will transfer to First Interstate Bank with your current rates and terms in effect until maturity. Your commercial lender will reach out in the coming weeks with more information about your business loan/line of credit.
*There is an excessive withdrawal fee of $10 per withdrawal if withdrawals from your savings account exceed six (6) per calendar month. This includes overdraft transfers. This fee will not apply to savings transactions made in person, at an ATM, or by mail.
**The Annual Percentage Rate on Balance Plus is 18.00%. Rate subject to change. Balance Plus requires credit approval and applications can be obtained atyour local First Interstate branch.
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BUSINESS CREDIT CARDSIf you have an INB Business Visa credit card, you will receive a new First Interstate Bank Mastercard business credit card(s) on or around November 9, 2018. You must activate and use your new First Interstate Bank Mastercard business credit card(s) beginning Sunday, November 11, 2018, as your INB business credit card will not work after that date.
Your credit limit on your new First Interstate Bank credit card will be the same as the credit limit on your current INB Business Visa. However, the terms of your new First Interstate Bank business credit card will change effective Sunday, November 11, 2018. The current balance of your INB Business Visa will transition to these new terms on November 11, 2018. A separate letter detailing these terms, includ-ing your new Annual Percentage Rate (APR), will be sent to the address we have on file.
Any existing ScoreCard Rewards points will NOT transfer to your new First Interstate Mastercard business credit card. Existing points must be redeemed by January 7, 2019. Any unredeemed points will be forfeited after that date. To redeem, visit ScoreCardRewards.com or call 1-800-854-0790.
Action Needed
• Activate your new Mastercard credit card on November 11 by calling 1-866-333-4761.• Notify employees that will be impacted by this change and distribute their new First
Interstate Bank business credit cards when they arrive.• Update any payment information tied to your INB Business Visa with your new First Interstate
Bank business credit card number and expiration date. • If you are currently enrolled in MyCardStatement.com, you will still be able to access your account
using the same username and password. However, beginning November 12, accounts will no lon-ger be linked within MyCardStatement.com. If you need to access multiple accounts online with one log in, please contact First Interstate Bank’s Payment Services Department at 1-855-342-3400 (option 5) to be enrolled in eZBusiness Card Management.
New Features
• Fraud Alerts: You are automatically enrolled to receive fraud alerts via text message, email, and phone. Alerts will be sent to the cell phone number and/or email provided on your account. Alerts are triggered by transactions that have been identified as potential fraud. For questions or to update your information, please visit your local First Interstate branch or call First Interstate’s Payment Services De-partment at 1-855-342-3400 (option 5).
• FirstRewards will replace ScoreCard Rewards. Points can be redeemed for gift cards to local businesses or for travel rewards. You can also redeem points for a Mastercard gift card. Visit rewards.firstinterstate.com to learn more.
Business Banking: Business Credit Cards
Note: You must activate your new First Interstate Bank Mastercard business credit card(s) beginning Sunday, November 11, as your INB business credit card will not work af ter that date.
Your Current INB Business Credit Card Your New First Interstate Bank Business Credit Card
INB Business Visa Credit Card FirstRewards® World Mastercard for Business
Business Banking: Treasury Solutions and Business Services
TREASURY SOLUTIONS Manage your business effectively and efficiently through our extensive range of products and services. We can help you streamline your processes, optimize funds, and automate everyday tasks, resulting in cost-effective management of your cash. From online business banking to remote deposit services, First Interstate Bank offers your business a variety of services to improve your company’s cash management. Visit firstinterstate.com to learn more.
Business Online Banking
If you currently utilize Cash Management Online at INB, you will automatically be transitioned to First Interstate Bank’s Business Online Banking (I-Corp). Because both INB and First Interstate use the same system, the functionality to which you are accustomed will remain in place.
First Interstate Bank also uses the same ACH and wire programs as INB. Please note, the cut-off time to process an ACH file with First Interstate Bank is 5:30 p.m. MST/4:30 p.m. PST. The cut-off time to process a wire is 3 p.m. MST/2 p.m. PST.
I-Corp does not allow duplicate Access IDs; therefore, we will contact clients with duplicate Access IDs in a separate communication. We will work with you to ensure a smooth transition when logging into I-Corp for the first time.
Access to I-Corp Business Online Banking will be available beginning Monday, November 12, 2018. Here’s how to login:
1. Visit firstinterstate.com; click the orange Login button. 2. Select Corporate Online Banking (I-Corp) from the drop- down menu. 3. Enter your Access ID (this is case sensitive) and click Sign In. 4. Enter your password. Click the “Log In” button.
To ensure your automatic enrollment is successful and that all data is transferred during the conversion, administration capabilities for Cash Management Online at INB will end on Friday, November 2, 2018.
Business Mobile Banking
If you currently utilize Business Mobile Banking at INB, we will contact you directly to assist you with gaining access to First Interstate Bank’s Business Mobile Banking service.
Business Bill Pay
If you currently use Business Bill Pay at INB, you will automatically transition to First Interstate Bank’s Business Bill Pay (I-Payables) service. Look for additional, forthcoming communication regarding this service.
As a backup and best practice, we recommend you download/print a copy of your transaction history, electronic statements, bill pay history, bill pay payees, and scheduled bill payments from your INB Business Bill Pay before Friday, November 9, 2018.
Positive Pay
If you currently use Positive Pay at INB, you will be converted to First Interstate Bank’s Positive Payee service. You will receive additional communication regarding this process. Please note, the cut-off time to alert First Interstate Bank with decisions for exceptions is 1 p.m. MST/12 p.m. PST.
Remote Deposit
If you currently use Merchant Source Capture at INB, you will automatically transition to First Interstate Bank’s Merchant Remote Deposit service. Because both INB and First Interstate use the same system, the functionality to which you are accustomed will remain in place. Additional communication regarding this service and your scanners will be forthcoming. Please note, the cut-off time to submit a remote deposit to First Interstate Bank is 7 p.m. MST/6 p.m. PST.
As a backup and best practice, we recommend downloading/printing a copy of the deposit history from your Merchant Source Capture system on or before Friday, November 9, 2018.
We are excited to invite our business clients to attend one of the online webinars we will host in late October/early November. During this webinar, you will discover more about the transition of your
INB Cash Management Services to First Interstate Bank, which will occur at close of business on Friday, November 9, 2018. Look for more information, coming soon!
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ACCOUNT NUMBERS
Checking, Savings, Certificates of Deposit, and Loans
• The majority of account numbers will remain the same. A small number of account numbers have been identified as duplicate account numbers with another First Interstate Bank account; as such, we will need to change the account numbers on those few accounts. If your account is impacted in any way, we will contact you personally. If you do not hear from us about updating your account number, you can assume it will remain the same.
• Your new First Interstate Bank account will be subject to the terms and conditions provided in the “Your Deposit Account” booklet included with this guide.
Automatic Deposits and Payments
If you currently have a direct deposit (e.g., payroll, Social Security, government entities, etc.) into your account, or an automatic payment (e.g., insurance or loan payment) out of your account, this will continue. However, the routing number associated with these payments will change to 092901683 on November 12, 2018. First Interstate Bank will send notice of the routing number change to originators. If the originator makes the requested change, you will not need to do anything. However, if the originator does not make the change, you may need to personally contact them. We recommend you utilize the Switch Kit documents located at firstinterstate.com to notify originators of the change to your routing number, especially for payroll and any other deposits you receive. If you have payments established using a web-based bill payment program, you will need to go into that program and enter First Interstate Bank’s routing number (092901683) and, if applicable, your new account number, for any payments made after Friday, November 9, 2018. All direct deposits, incoming wire transfers, and payments must utilize First Interstate’s routing number (092901683) by May 31, 2019 to ensure uninterrupted processing.
CHECKING ACCOUNTS
Checks
• You may continue to use your INB checks until May 31, 2019. After that date, your checks must reflect the First Interstate name and routing number (092901683). An initial starter kit of checks including the First Interstate routing number will be sent to you the week of October 29, 2018. You may begin using your new First Interstate checks on Monday, November 12, 2018.
Debit Cards
• Please continue to use your INB business debit card until midnight on Monday, November 12, 2018.
• If you currently have an INB debit card, you will receive a new First Interstate Bank Business Debit Mastercard, which also serves as your ATM card. You may use your debit card for signature, debit PIN-based, and ATM transactions.
• Please activate your card as soon as you receive it by calling 1-800-342-2974. Beginning Tuesday, November 13, 2018, you may also activate your card using your PIN at a First Interstate Bank ATM or by visiting your local First Interstate branch.
• The PIN for your new First Interstate debit card will be the same as the PIN for your INB business debit card. For your convenience, you may change your PIN by calling 1-866-656-4592 if you know your current PIN, or by visiting a First Interstate branch after November 13, 2018.
• If you have not received your new First Interstate Bank Business Debit Card by November 5, 2018, or have additional questions, please call our Client Contact Center at 1-855-342-3400 (option 9) or visit any INB branch.
• Your First Interstate Bank Business Debit Mastercard will have a new number, so you will need to contact payees if you have any recurring payments tied to your INB business debit card.
• The ability to control when your debit card is ON or OFF and the ability to set transaction alerts will no longer be available effective November 13, 2018. You are still protected by Mastercard Zero Liability, which means you are not responsible for unauthorized transactions made using your First Interstate Bank Business Debit Mastercard. Visit mastercard.us for more information about Zero Liability.
Daily purchase limit: $5,000 Daily ATM withdrawal: $1,005
Important Information About Business Banking
Note: The PIN for your new First Interstate Bank business debit card will be the same as the PIN for your INB business debit card.
FUNDS AVAILABILITYFirst Interstate’s policy is to make funds available the same day for deposits of cash, checks drawn on First Interstate Bank, and electronic direct deposits such as Automated Clearing House (ACH), wires, and remote deposits. Deposited checks drawn on other banks will be available the next business day after the deposit is made. Funds Availability does not pertain to savings accounts. Please refer to the Funds Availability Policy in the enclosed “Your Deposit Account” booklet.
MERCHANT SERVICESIf you utilize Security Card Services for merchant processing, your existing contract will remain in effect until its expiration date. You should not experience any change or interruption in service as a result of the conversion to First Interstate. If you have questions regarding your merchant processing through Security Card Services, please contact Security Card Services Support at 1-877-995-9198, [email protected], or contact your local INB branch.
QUICKEN®/QUICKBOOKS®
If you currently use Quicken or QuickBooks for your business’ financial management, your ability to update this software with your INB account data and transactional history will cease on November 9, 2018. It is important to have your account(s) up-to-date within Quicken/QuickBooks prior to 5 p.m. MST (4 p.m. PST) on November 9, 2018, to prevent losing access to this information. Any information not updated prior to this date will need to be keyed in manually.
SAFE DEPOSIT BOXIf you currently have a safe deposit box with INB, it will automatically transition to First Interstate Bank and be available to you in its existing location. Box sizes available and corresponding annual fees (effective upon renewal date) are as follows:
Important Information About Business Banking
BOX SIZE IDAHO OREGON WASHINGTON2 x 5 — $40 $25
3 x 5 $30 $40 $30
5 x 5 $40 $55 $40
3 x 10 $45 $65 $45
5 x 10 $61 $75 $61
10 x 10 $94.50 $125 $94.50
TELEPHONE BANKINGIf you prefer to conduct your banking over the phone, we suggest utilizing our free, Day & Night Telephone Banking. Telephone Banking is available to you beginning at 8 a.m. MST/7 a.m. PST on Monday, November 12, 2018. Simply call 1-855-342-3400 (option 1) 24 hours per day.
Before using our Telephone Banking service, be sure to have your First Interstate Bank account number(s) handy. You will also need to know your Personal Identification Number (PIN). The first time you call, your PIN will be the last four digits of the Social Security Number or Tax ID of the primary account holder. You will then be instructed to change your PIN to a new four-digit number that only you know.
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SERVICE FEES:
Stop Payment $32
Pre-authorized payment cancellation $32
Return check/NSF $30
Overdraft paid $30
Continuous overdraft $35 on 4th consecutive business day overdrawn (Prime + 4% on negative available balances on business analysis accounts)
Closed account $10 on checking and savings accounts open less than 90 days
Dormant account $10/month
Uncollected Item(s) - Overdrafts $30
Charged-off checking account $50
Returned deposited item $4
Re-deposit $1
Buy-back $3
Manual item processing $1
Duplicate paper statement $5
Statement special handling $25
PERSONAL DIGITAL BANKING FEES:
I-Bank Personal Online Banking Free
Stop Payment placed in I-Bank $17
Mobile Check Deposit Free
I-Pay Bill Payment Free; 40¢/payment in excess of 20
I-Pay Bill Payment, overnight delivery of payment $14.95
I-Pay Bill Payment, stop payment $32
I-Statements (electronic statements) Free
POPmoney:
• Send money to/request money from others Free
• Stop Payment (payment or transfer) $32
External Transfers:
• Transfer into/out of First Interstate Free
If you do not access your I-Pay or I-Bank account for six months, it will be closed.
Fee Schedule - Personal and Business
MISCELLANEOUS ITEMS:
Counter check first 10 free; 25¢/check thereafter
Official check $5 (First Interstate clients only)
Money order $4 (First Interstate clients only)
Gift Card $3.95 clients; $6.95 non-clients
Travel Card $6.95 clients; $9.95 non-clients
Treasury bill purchase $50
Night Depository lock bags $25/bag
Coin counting/rolling (rollings $2.50 minimum) 1%
Rolled coin purchase 10¢/roll
Check cashing (non-First Interstate clients) $10 for checks over $100
RESEARCH:
Checkbook reconciliation $25/hour ($25 minimum)
Research: Imaged check $1/check
Research: Imaged statement $5/statement
Research time $25/hour
OVERDRAFT PROTECTION:
Account transfer or Balance Plus fee $5
Credit card transfer fee $10 up to $50; $19 over $50
ATM/DEBIT CARDS:
ATM card/debit card replacement $5
ATM transactions made at ATMs other than First Interstate Bank Day & Night Tellers or MoneyPass® ATMs $2.50
ATM Mini-Statement $1
Bobcat/Griz Banking annual fee $15/year
We will assess a fee of 0.9% of the transaction amount of any debit card transaction made in a country other than the United States. If the transaction also involves a currency conversion, we will assess an additional fee of 0.2%. Fees apply to the transaction after it has been converted into U.S. dollars.
Fee Schedule - Personal and Business
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WIRE TRANSFERS & COLLECTIONS:
Wire Transfers:
Incoming wire transfer $10
Outgoing wire transfer (First Interstate clients only):
• Domestic $25
• Foreign $45
Collections:
• Incoming & outgoing $25
• Coupon collection $25
• Oil & gas, envelope draft $35
FOREIGN CURRENCY: FIRST INTERSTATE CLIENTS ONLY
Purchase or Exchange $12
Foreign drafts $12
• Foreign item return $18 + correspondent bank fee
CONSUMER LOAN FEES:
AdvanceLine annual fee $50
Home Equity Line of Credit annual fee $75
Process request for substitution of collateral $50
Process request for change in terms $50
Process request for payment extension $50
Process request for name change on title $25
Coupon book replacement $5
IRA FEES:
IRA transfer fee (to another financial institution) $25
IRA direct rollover fee $25
Fee Schedule - Personal and Business
GARNISHMENT/SUBPOENA FEES:
Garnishment/Levy $100
Subpoena fees:
• Statement $5
• Miscellaneous items (per page) $1
• Labor/Research $25/hour
• Shipping & Handling $Actual cost
SAFE DEPOSIT BOXES:
Check with your local First Interstate Bank branch for size availability and rental rates.
Safe deposit box drilling $150
Safe deposit box replacement key $20
Safe deposit box late fee $10
Services listed may not be available at all First Interstate Bank offices, and fees may vary between First Interstate offices. Other fees may apply to various services listed.
Fees are subject to change.
Fee Schedule - Personal and Business
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First Interstate Bank Locations
Treasure Valley
Boise: Plaza 121121 N. 9th St., Ste. 100208-343-7848
Boise: Overland6981 W. Overland Rd.208-658-6660
Caldwell923 Dearborn St.208-468-4735
Eagle1101 E. Winding Creek Dr.208-939-4096
Emmett250 S. Washington Ave.208-468-4675
Fruitland1850 N. Whitley Dr.208-452-7101
Garden City4128 Adams St.208-386-9902
Kuna840 E. Avalon St.208-922-3834
Meridian: E. Broadway30 E. Broadway Ave.208-888-1416
Meridian: Silverstone3405 E. Overland Rd., Ste. 100208-468-1700
Meridian: Ustick Marketplace3630 N. Eagle Rd.208-468-1680
Mountain Home400 N. 3rd E.208-468-6175
Nampa: 12th Avenue500 12th Ave. S.208-468-0996
Nampa: Karcher1820 Caldwell Blvd.208-468-1660
Coeur d’Alene955 Ironwood Dr.208-664-8747
Hayden (Coeur d’Alene)30 W. Prairie Ave.208-762-1155
Spirit Lake31845 N. 5th Ave.208-623-5700
Bend: 3rd & Revere1700 NE. 3rd St.541-389-7701
Bend: Downtown1100 NW. Wall St.541-385-6200
Bend: East Forum2630 NE. Hwy. 20541-617-9040
Bend: South61250 S. Hwy. 97541-388-1040
Bend: West200 SW. Century Dr.541-382-3686
Madras1150 SW. Hwy 97.541-475-0505
Prineville555 NW. 3rd St.541-447-4105
Redmond154 SW. 6th St.541-504-2200
Sisters272 E. Main Ave.541-549-2061
Bandon1110 Oregon Ave. SW.541-347-9422
Lincoln City1931 NW. Hwy. 101541-994-2161
Newport10 S. Coast Hwy.541-265-2258
North Bend1611 Virginia Ave.541-756-3102
Reedsport178 N. 6th St.541-271-2126
Seaside300 S. Holladay Dr.503-738-8311
Ashland2305 Ashland St., Ste. B541-482-5411
Grants Pass: North1304 NW. 6th St.541-474-7278
Grants Pass: South265 Union Ave.541-476-3128
Klamath Falls421 S. 7th St.541-883-4980
Medford: Crater Lake Hwy.3100 Crater Lake Hwy.541-608-9899
Medford: Biddle Rd.1000 Biddle Rd.541-779-1141
Medford: West Main222 W. Main St.541-772-3384
Roseburg780 NW. Garden Valley Blvd.,Ste. 61541-672-7712
Eugene899 Pearl St.541-344-5424
Hood River2500 Cascade Ave.541-308-1300
Lake Oswego4900 Meadows Rd., Ste. 140503-549-3740
Portland888 SW. 5th Ave., Ste. 1000503-499-5999
Salem520 Hawthorne Ave. SE.503-399-7891
Springfield1008 Harlow Rd.541-741-8280
The Dalles1100 W. 6th St.541-298-2600
Willamette Valley
Gallatin
Missoula
Absarokee3 S. Woodard Ave.406-328-4742
Columbus36 N. 9th St.406-322-4731
Red Lodge602 N. Broadway Ave.406-446-1422
Billings: Lockwood2850 Old Hardin Rd.406-237-1800
Billings: Shiloh830 Shiloh Crossing Blvd.406-255-5858
Billings: West2501 Central Ave.406-255-6100
Hardin:402 N. Center 406-665-3822
Laurel401 SE. 4th St.406-628-2200
Whitefish306 Spokane Ave.406-863-8888
Belgrade: Main98 N. Broadway406-388-4283
Belgrade: T&C205 W. Madison Ave. 406-388-9550
Bozeman: Main202 W. Main406-556-4900
Bozeman: Gallatin Ctr.2023 Burke St.406-556-1058
Bozeman: MSU268 Strand Union Bldg.406-586-0757
Bozeman: West2800 W. Main406-586-4555
Ennis118 W. Williams St.406-682-3124
Hamilton1501 N. 1st St.406-375-6900
Missoula: Downtown101 E. Front St.406-523-4200
Missoula: North2500 N. Reserve406-523-4418
Missoula: South3502 Brooks406-523-4417
Beartooth
Billings
Colstrip6210 Main St.406-748-2840
Lame Deer502 Cheyenne Ave.406-477-8911
Miles City2909 Dickinson St.406-232-5590
Eastern Montana
Oregon Coast
Southern OregonCentral Oregon
Sunriver57150 Beaver Dr.541-593-8101
Gardiner903 Scott St. W.406-848-7474
Livingston207 W. Callender406-222-2950
IDAHO OREGON
MONTANA
Billings: Downtown401 N. 31st St.406-255-5000
Billings: Drive-up302 N. 31st St.406-255-5292
Billings: Heights730 Main St.406-255-5800
Billings: Grand3199 Grand Ave.406-255-6090
Flathead
Bigfork800 Grand Ave. 406-837-1600
Eureka508 Hwy. 93 N.406-297-3116
Kalispell: Main2 Main St.406-751-2500
Kalispell: Evergreen100 E. Cottonwood Dr.406-758-7600
Kalispell: North100 Hutton Ranch Rd.406-751-2522
Kalispell: Drive-up112 E. Montana St.406-751-2500
Lakeside7265 US Hwy. 93 S.406-844-2535
Polson49573 US Hwy. 93406-883-8800
Great Falls: 10th Ave. S.2601 10th Ave. S.406-454-6200
Great Falls: Downtown211 5th St. N.406-454-6200
Great Falls: West12 3rd St. NW.406-454-6200
Helena: East2728 Colonial Dr.406-443-4381
Helena: Gulch25 E. Lyndale Ave.406-457-7151
Helena: North3401 N. Montana Ave.406-457-7171
Helena: RBC2021 N. Montana Ave.406-422-1616
Helena: Touchmark915 Saddle Dr.406-422-1620
North Central
Cut Bank24 E. Main St.406-873-2265
First Interstate Bank Locations
New Underwood404 S. A Ave.605-754-6421
Wall418 Main St.605-279-2141
Northern Hills
Belle Fourche41 5th Ave.605-892-2041
Deadwood152 Sherman St.605-578-1792
Lead145 Glendale Dr., Ste. 4605-717-9340
Spearfish: Lookout Mountain311 N. 27th St.605-717-0727
Spearfish: Main1400 North Ave.605-642-2734
Sturgis1200 Main St.605-347-2562
Rapid City
Rapid City: East711 N. Creek Dr.605-718-2265
Rapid City: Gateway333 W. Blvd., Ste. 100605-348-3322
Southern Hills
Custer: Main648 Mt. Rushmore Rd.605-673-2215
Custer: Drive-up40 N. 5th St.605-673-2215
Edgemont501 2nd Ave.605-662-2265
Hill City351 E. Main St.605-574-2531
Hot Springs343 S. Chicago St.605-745-6060
Columbia Basin
Ephrata66 Basin St. SW.509-717-2255
Kennewick8127 W. Grandridge Blvd.509-579-0730
Greater Spokane
Airway Heights11917 W. Sunset Hwy.509-244-4840
Spokane: Downtown421 W. Riverside Ave.509-456-8888
Spokane: Northside518 W. Francis Ave.509-323-1144
Spokane: South Hill2905 E. 57th Ave.509-448-7770
Spokane: U District2110 N. Ruby St. 509-232-4666
Spokane Valley15015 E. Sprague Ave. 509-924-1033
SOUTH DAKOTA WASHINGTON
WYOMING
Casper: Downtown104 S. Wolcott St.307-235-4201
Casper: Drive-up124 N. Wolcott St.307-235-4201
Casper: East521 SE. Wyoming Blvd.307-235-4384
Casper: Mills300 SW. Wyoming Blvd.307-235-4448
Jackson: Albertsons105 Buffalo Way307-734-7373
Jackson: Downtown120 E. Broadway307-734-7373
Jackson: Main842 W. Broadway307-734-7373
Buffalo40 E. Hart St.307-684-2581
Gillette: Downtown222 S. Gillette Ave.307-686-4700
Gillette: South2801 S. Douglas307-686-4790
Sheridan: Downtown4 S. Main307-674-7411
Sheridan: Drive-up24 S. Brooks307-674-7411
Sheridan: Sugarland1613 Coffeen Ave.307-672-1501
Northern WyomingCentral Wyoming
Jackson
Lander8118 Hwy. 789307-332-7500
Riverton323 E. Main307-856-2211
Riverton
Cheyenne: Downtown401 W. 19th St.307-633-8400
Cheyenne: Dell Range4612 Rue Terre307-633-8476
Laramie221 E. Ivinson St.307-721-4600
Southern Wyoming
The Palouse
Colfax402 S. Main St.509-397-1007
Fairfield213 E. Main St.509-283-2126
Rockford5 W. Emma St.509-291-5029
Rosalia523 S. Whitman St. 509-523-3208
Spangle130 W. First St. 509-245-3226
Southwest Washington
Bingen111 N. Oak St. 509-315-1648
Cathlamet75 Main St.360-795-3281
Lynnwood2502 196th St. SW., Ste. 110425-712-9898
Raymond314 Duryea St.360-942-3425
Westport620 N. Montesano St.360-268-9155
Badlands
North Idaho
3130
Important Dates and Information Important Dates and Information
CUSTOMER CHECKLISTAs Soon As Possible
Verify that INB has your current address, phone number, and email. This information will automatically transfer to First Interstate Bank in November, and will help ensure a smooth transition of services.
Before Friday, November 9, 2018
Access to INB’s online and mobile banking will end at 5 p.m. MST/4 p.m. PST on Friday, November 9. Before then, be sure to: Download/print a list of your Bill Pay PayeesDownload/print a list of your Recurring Bill PaymentsDownload/print your past Electronic StatementsBe sure you know your login ID for Online Banking
Sunday, November 11, 2018
Credit Card: Activate your new First Interstate Bank Mastercard credit card by calling 1-800-456-6870. Update any payment information tied to your INB Visa credit card with your new First Interstate Bank Mastercard credit card number and expiration date.
Monday, November 12, 2018
ATM: Begin using any First Interstate Bank ATM or MoneyPass Network ATM free of charge. Branches: Branches are closed November 12 in observance of Veterans Day. For immediate support, please call our Client Contact Center at 1-855-342-3400. Browser: You must have a current, updated, and supported browser for online banking to operate properly. We recommend you utilize our “Test Your Browser” link at firstinterstate.com to ensure your browser is up-to-date.Client Contact Center: Our Client Contact Center will be fully staffed and ready to assist you with questions. Representatives are available Monday-Friday, 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST) and Saturday 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST). Checks: Begin using your new First Interstate Bank checks. To order more checks, simply login to I-Bank Personal Online Banking (personal checks previously ordered online only) or visit your local branch after November 13 (branches are closed Monday, November 12 in
observance of Veterans Day). Debit Card: Activate your new First Interstate Bank Debit Mastercard by calling 1-800-342-2974; your INB debit card will be deactivated at midnight on November 12. • If you have not received your new First Interstate Bank Debit Mastercard by November 5, 2018, or have additional questions, please call our Client Contact Center at 1-855-342-3400. Online Banking: Access to First Interstate’s Online Banking will be available at 8 a.m. MST/7 a.m. PST on Monday, November 12. Login to I-Bank Personal Online Banking using the first-time login steps on page 13 of this guide; login to I-Corp Business Online Banking using the login steps on page 21. Mobile Banking: After you’ve successfully logged into Online Banking, be sure and download the First Interstate Bank Mobile Banking App at no charge. • Before you login to Mobile Banking for the first time on or after November 12, 2018, you must complete the INB First Time Login process at firstinterstate.com. Once you’ve established your new login credentials, simply use those to login to the mobile app. You will also be prompted to complete access authentication steps to verify your identity.• For assistance with Business Mobile Banking, please contact First Interstate’s Treasury support line at 1-888-833-3450 (option 2). Telephone Banking: You now have access to Day & Night Telephone Banking, which is available 24 hours a day. Simply call 1-855-342-3400 (option 1).
Tuesday, November 13, 2018
Branches: First Interstate branches are now open and ready to serve you! See pages 28-29 of this guide for a full list of locations, and visit firstinterstate.com for branch hours. Debit Card: Begin using your First Interstate Bank Debit Mastercard. After your first successful transaction, please destroy your old INB debit card.
UPCOMING DEADLINESMonday, October 29, 2018
• This is the last day to order INB checks. A starter kit of First Interstate checks will be sent to you to use beginning Monday, November 12. If you need additional checks to use between October 29 and November 12, please contact your local INB branch.
Friday, November 2, 2018
• Administration capabilities for Cash Management Online at INB end today.
Friday, November 9, 2018
• Mobile deposits will no longer be accepted through INB’s mobile banking app after 12 p.m. MST/11 a.m. PST. Access to INB’s mobile banking app will end at 5 p.m. MST/4 p.m. PST. • Access to INB’s personal and business online banking, online bill pay, and mobile banking will end at 5 p.m. MST/4 p.m. PST. • Be sure all information in Quicken/Quickbooks is up-to-date before 5 p.m. MST/4 p.m. PST.
Monday, November 12, 2018
• Access to First Interstate’s Personal and Business Online Banking, Online Bill Pay, and Mobile Banking will be available at 8 a.m. MST/7 a.m. PST. • Begin using your new First Interstate Bank Mastercard credit card. • Order new checks with the First Interstate routing number and begin updating your routing number on electronic payments to 092901683.• All loan and credit card payments are now payable to First Interstate Bank. You may make a payment at the branch or via mail to one of the following addresses:
• Conversion Impact on Statements: Per regulations, all depositors will receive a short-period paper statement of transactions from INB through November 12, 2018, as well as a regularly scheduled statement for November. Your first statement generated after conversion will include transactions from November 13 through your regularly scheduled statement cycle date. The short-period statement from INB as well as the first post-conversion statement from First Interstate may not include all fees and charges outlined in the Fee Schedule or the terms and conditions of your account.
Tuesday, November 13, 2018
• Begin using your new First Interstate Bank Debit Mastercard; your INB debit card will be deactivated at midnight on Monday, November 12, 2018.
Monday, January 7, 2019
• Redeem any existing ScoreCard Rewards points by today. To redeem, visit ScoreCardRewards.com or call 1-800-854-0790. Any unredeemed points will be forfeited after this date.
Friday, May 31, 2019
• Make sure all checks and electronic payment information references First Interstate’s routing number (092901683). Payments that reference INB’s routing number will be returned after today.
Personal Loans
First Interstate Bank P.O. Box 31295 Billings, MT 59107-1295
Mortgage Loans
First Interstate Bank P.O. Box 30937 Billings, MT 59107-0937
Credit Cards
First Interstate Bank P.O. Box 31615 Billings, MT 59107-1615
CONTACT USCLIENT CONTACT CENTER
1-855-342-3400Monday - Friday: 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST)Saturday: 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST)
TELEPHONE BANKING
1-855-342-3400 (option 1)24 hours a day; available beginning Monday, November 12, 2018
firstinterstate.com
Questions? Call our Client Contact Center: 1-855-342-3400
Monday-Friday: 7:30 a.m. to 7 p.m. MST (6:30 a.m. to 6 p.m. PST) Saturday: 10 a.m. to 2 p.m. MST (9 a.m. to 1 p.m. PST)
Choose From the Following Options:
Option 1: 24-hour Automated BankingOption 2: Activate a new Debit Card or change your PINOption 3: Checking, Savings, or Loan account informationOption 4: Treasury Services (business users)Option 5: Credit Cards
Option 6: Existing Home Loans Option 7: Online Banking and Bill PayOption 8: Automobile LoansOption 9: All other inquiries