FIRST MERCHANTS CORPORATION
Transcription
FIRST MERCHANTS CORPORATION
CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE FIRST MERCHANTS CORPORATION First Merchants Corporation is committed to the pursuit of excellence, by delivering strength and service. From our complete line of cash management products to insurance and trust products and business loans of all sizes, we take pride in helping you The Strength of Big, The Service of Small. manage and grow your business. Our goal is to provide your business with banking solutions that go above and beyond what you would expect from the other banks. Your First Merchants banker will do much more than handle transactions or make recommendations. You’ll receive one-on-one guidance through For a complete listing of all First Merchants locations please click here. important financial decisions that will help your business grow and prosper. THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE COMMERCIAL BANKING Banking designed for business To grow a business in today’s marketplace, you need a financial partner who knows your needs and is committed to helping you succeed. We’re committed to your success and will provide you with a unique blend of banking expertise, local market knowledge and competitive products to help you achieve your business goals. We measure our success by yours. You will have comprehensive business solutions at your command, from basic business checking and treasury management products to lines of credit, equipment loans and more. You’ll save money and simplify your life by integrating all of your banking needs. OUR COMMERCIAL BANKING TEAMS OUR COMMERCIAL BANKING PRODUCTS THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR COMMERCIAL BANKING TEAMS DAVID GREENE First Vice President, Commercial Banking Manager dgreene@firstmerchants.com 317.844.2159 David has 25 years of commercial banking experience, 12 of which have been in the Central Indiana middle market banking segment. He specializes in financing working capital, equipment, DAVID’S TEAM management buyouts, private equity transactions, owner occupied real estate and cash management. JEFF DEETER Vice President jdeeter@firstmerchants.com 317.566.6136 DARLISA DAVIS Vice President dedavis@firstmerchants.com 317.566.6160 MICHELLE MARTIN Assistant Vice President, Treasury Management Officer mdmartin@firstmerchants.com 317.844.2302 JEFF PANGBURN Vice President jpangburn@firstmerchants.com 317.566.6155 JOSH McKENNEY Relationship Manager jmckenney@firstmerchants.com 317.844.2943 ANNE CURRAN Administrative Specialist acurran@firstmerchants.com 317.844.2223 MORE TEAMS THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR COMMERCIAL BANKING TEAMS JOHN SKELTON Vice President, Community Banking Manager jskelton@firstmerchants.com 317.625.6819 John has over 20 years of commercial banking experience, all in the Central Indiana Market. He specializes in financing the working capital, equipment, and real estate needs of small to medium sized businesses. With additional experience as the CFO of a $50 million, year company, John is uniquely JOHN’S TEAM qualified to handle all of your banking needs. TRAVIS CAULK Assistant Vice President tcaulk@firstmerchants.com 317.837.3621 JON SLAUGHTER Senior Vice President jslaughter@firstmerchants.com 812.988.1200 MAX HANK, CTP Assistant Vice President, Treasury Management Officer mhank@firstmerchants.com 317.837.6036 ADAM TREIBIC Vice President atreibic@firstmerchants.com 317.883.8811 JULIE GOFORTH Executive Administrative Specialist jgoforth@firstmerchants.com 317.837.3623 MORE TEAMS THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR COMMERCIAL BANKING TEAMS GEORGE DOUGHERTY Vice President gdougherty@firstmerchants.com 317.883.8811 George Dougherty hass over 29 years of lending experience and possesses a degree from Purdue University in Agriculture Economics. He specializes in small business opportunities and agricultural GEORGE’S TEAM lending. JENNIFER MEYERS Assistant Vice President jmeyers@firstmerchants.com 317.883.8811 CINDY FIDDLER Loan Documentation Specialist cfiddler@firstmerchants.com 317.883.8811 STACY HAMMONDS AssistantVicePresident, TreasuryManagementOfficer shammonds@firstmerchants.com 317.883.8811 ASHLEY KOHUT Portfolio Manager akohut@firstmerchants.com 317.883.8811 TERRI WEBB Assistant Vice President, Commercial Loan Documentation Manager twebb@firstmerchants.com 317.883.8811 JULIA HOGAN Loan Documentation Specialist jhogan@firstmerchants.com 317.883.8811 MORE TEAMS CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR COMMERCIAL BANKING TEAMS Our CRE department has used its knowledge and expertise to prudently grow our real estate portfolio through these challenging economic times. We are relationship focused and can offer a wide array of flexible terms and loan amounts sufficient to meet the specific needs of any project. First Merchants remains active in a number of property types, including: • Multi-Family • Office - Flex • Industrial / Warehouse • Senior Housing and Care • Retail • New Construction INVESTMENT REAL ESTATE TEAM • Build-to-Suit (Credit Tenant) ALEX JONES Vice President alexjones@firstmerchants.com 317.844.2980 MICHAEL MATHEW Vice President mmathew@firstmerchants.com 317.844.2082 ERIN CHAPMAN Relationship Manager echapman@firstmerchants.com 317.566.6126 MORE TEAMS CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE our Commercial Banking PRODUCTS Business Financing Services... First Merchants offers an array of products to fit all your business needs. Capital • Working Capital Needs • Permanent Capital Needs • Lines of Credit • Equipment Purchase • Real Estate • Residential • Commercial and Industrial • Permanent • Investments • Succession Planning Government Lending Programs • Small Business Administration (SBA) • United States Department of Agriculture (USDA) • First Merchants Bank is an SBA preferred lender Business Speciality Lending... Ag Lending Our leadership team and relationship based service providers are committed to the agriculture industry. We have the ability to service your needs with a demonstrated awareness of the industry. • Real estate financing options • Construction financing • Operating lines of credit • Specialized USDA Direct and Guaranteed Farm Loan Programs • Vehicle and equipment financing • Letters of credit Healthcare Professionals Because the financial needs of healthcare professionals vary widely, our vision is to develop deep, lifelong relationships that support your unique financial needs. We offer flexible, accessible financing and services, including: • Acquisition finance • New equipment finance • Lease-hold improvement • Improve cash flow • Working capital lines of credit • Commercial real estate For additional information, please visit www.firstmerchants.com/CommercialBanking THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE TreAsury Management Products Receivables , Collections Electronic Check Service - Eliminate trips to the bank by depositing paper checks electronically from your location. Merchant Processing - Offer the ease of payment options for your customers with simple and affordable payment processing. ACH Payments - Make or receive payments electronically to reduce the time and expense of bill payment and payroll. Wire Transfer - Directly and quickly transfer funds anywhere in the world via secure direct paperless transactions. Lockbox - Efficiently and accurately speed the access to and availability of your accounts receivable payments. Gift Cards - The number one gift of choice! Now you can offer your customers the flexibility of purchasing your branded gift card. Information Management Online Banking - Manage your accounts - anytime, anywhere. Make payments and view transactions, check images, history, and more. Visit any of our convenient locations or online to enroll in Online Banking and Bill Pay today! Account Analysis - Let your account balance go to work for you by offsetting transaction fees with your account balance. Funds Management Investment Sweep Services* - Automatically sweep excess funds above a target balance from your business checking account into an investment account. Line of Credit Sweep Services** - Use an established line of credit to sweep into your checking account to cover checks or keep the balance in your account above a set limit. Payables Solutions Positive Pay - Protect yourself from fraud with the help of a tool that identifies unauthorized checks before they are drawn against your account. ACH Payments - Make or receive payments electronically to reduce the time and expense of bill payment and payroll. Zero Balance Accounts (ZBA) - Create an account that will be funded using our sweep service to pay a specific vendor or to use for a specific purpose. PayDay PLUS - Provides your employees with a range of exclusive member benefits, discounts, and features. Purchasing Cards - Save time and money by decreasing the costs associated with the processing of checks and invoices, access to the VISA worldwide network and eliminate the need for petty cash and cash advances. Corporate Credit Cards - Business Rewards Credit Card - earn points to redeem for merchandise. Business Travel Credit Card - earn points to redeem for airline and hotel stays. Platinum Business Credit Card - traditional credit product with the VISA 100% Liability Guarantee. *Investment Sweep Services are not FDIC insured. **Line of Credit Sweep Service, certain restrictions apply including an established Line of Credit with our bank. For additional information, please visit www.firstmerchants.com/ BusinessBanking/FirstMerchantsBank/ CashFlow THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE FIRST MERCHANTS INSURANCE First Merchants Insurance Group Strives to: First Merchants Insurance Group (FMIG) provides superior performance and focused insurance solutions to businesses and individuals. Our capabilities extend from insuring a wide range of property and casualty risks to the development, administration and support of flexible, cost-conscious employee benefit programs. As an independent agency, we work solely as advocates for our clients, ensuring them the best combination of coverage and price. We are distinguished by our diverse risk management expertise and our long-standing reputation as creative problem-solvers. We are proud to be a part of the First Merchants Corporation family. This alliance broadens our financial resources and expands our service capabilities. Our clients receive the direct benefit of exceptional stability, expanded market access and the prestige of direct ties to a respected financial institution. Our dedication to maintaining the highest standard for ethics and professionalism has earned us a coveted standing as one of our region’s premier full-spectrum independent agencies. Our Preferred and Leadership distinction with top-rated carriers, combined with the expertise of our staff, enables us to think outside of the box and develop truly innovative insurance programs. Our certified insurance professionals design and administer strategies to maximize your financial and personal security while minimizing cost. OUR INSURANCE TEAM OUR INSURANCE PRODUCTS First Merchants Insurance is a subsidiary of FMC. These products are not covered by the FDIC and may lose value. THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR INSURANCE TEAM MARK LEHAN, CIC, CRM Vice President, Regional Sales Manager mlehan@firstmerchants.com 317.566.6147 Mark has over 15 years of insurance experience. He holds a Business Administration degree from Illinois State University and MBA from Anderson University. Mark and his team can handle all of your MARK’S TEAM insurance needs from Group Health and Property, Casualty, to Life and Personal Insurance. SHELLEY CAMPBELL, LUTCF Vice President, Account Executive scampbell@firstmerchants.com 317.566.6130 GREG ANDELIN Account Manager gandelin@firstmerchants.com 317.566.6162 CHRIS NOLLEY Account Executive cnolley@firstmerchants.com 317.883.8811 DEB CRAVEN Customer Service Representative dcraven@firstmerchants.com 317.566.6159 SAM LOWER Account Executive slower@firstmerchants.com 317.566.5248 MARK THORNTON Employee Benefits Manager mthornton@firstmerchants.com 317.213.5083 THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE our insurance products Business, Commercial Insurance Effective strategies to deal with risk are crucial for business success. But “Risk Management” is often a misunderstood concept. The best strategies go beyond mitigation to the effective transfer of risk, as opposed to simply managing or assuming it. This principle extends to every aspect of plan design, from provider selection through administration. Once a risk management program is put into place, we monitor it throughout the plan year to ensure it is achieving corporate objectives. Working as your trusted advisor we are always by your side, helping you to reduce loss exposure while transforming potential obstacles into opportunities for growth. Below is a partial list of our services: • Property , Liability • Worker’s Compensation • Commercial Auto • Excess Umbrella • Bonds • Professional Liability • Fiduciary Liability • Liquor Liability • Medical Malpractice Employee Benefit Consulting and Brokerage Services Personal Insurance The success of any benefits plan is measured by its administration and education. Our skilled team provides fundamental insurance company administrative, procedural and protocol training. We also coordinate enrollment meetings and provide on-going administrative support throughout the plan year. All inquiries related to benefits, plan provisions, member eligibility and claims are promptly and efficiently handled. Long-standing partnerships with top-rated insurance companies enable us to provide full-spectrum protection at the best possible rates. Rising healthcare costs and ever-increasing employee demands pose a dual challenge for business. Benefits play a vital role in your employee recruitment and retention. At FMIG, we work to preserve benefits quality while keeping cost-containment clearly in focus. Our wide range of employee benefit plan options includes: • Full-Insured and Self-Funded Programs • Group Life and AD&D • Long Term and Short Term Disability • Dental and Vision Coverage • Long Term Care As one of our region’s most respected providers of personal insurance, we specialize in securing coverage which reflects the true value of your possessions. Our expertise enables you to enjoy the security and peace of mind that comes from knowing that the lifestyle you have labored to attain is protected. Our wide range of products and services include: • Life • Health • Disability • Individual Retirement Accounts • Annuity • Homeowners • Auto • Personal Umbrella • Personal Effects • Key Person • COBRA • Section 125 For additional information, please visit www.firstmerchants.com/Insurance First Merchants Insurance is a subsidiary of FMC. These products are not covered by the FDIC and may lose value. THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE FIRST MERCHANTS TRUST FIRST MERCHANTS TRUST COMPANY First Merchants Trust Company is one of the largest trust committee members interested in the success and prosperity organizations in Indiana, with assets under management in of the communities in which we live and work. excess of a billion dollars. We offer a full array of trust services Our depth of knowledge and experience makes it possible for to businesses, individuals, and non-profit organizations. us to meet all of your financial, estate, and retirement planning First Merchants Trust Company is a dedicated team of needs. Our commitment is to be an organization that directly community minded professionals committed to generational touches and influences the future of our clients, their children excellence. Our personal attention and proactive communication and grandchildren. First Merchants Trust Company is big are what set us apart – and are what our clients tell us they value. enough to meet all your needs, and small enough to care. We are your neighbors, your co-workers, your local board and OUR TRUST TEAM OUR TRUST PRODUCTS First Merchants Trust products are not covered by the FDIC and may lose value. THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR TRUST TEAM DAVID FORBES Senior Vice President, Senior Trust Administrative Officer dforbes@firstmerchants.com 317.844.2399 David has more than 27 years of trust experience and has been with First Merchants Bank since 2000. David oversees the administration of personal trust accounts company wide and also manages the First Merchants Indianapolis Trust office. In addition, he currently works directly with individual clients, charitable foundations and others who have more sophisticated or complex planning and DAVID’s Team investment needs. JIM DIMITROFF Vice President, Trust Relationship Manager jdimitroff@firstmerchants.com 317.566.6141 KIRSTIn BATES Administrative Specialist kbates@firstmerchants.com 317.844.2960 RHONDA KING, CTFA Vice President, Personal Trust Officer rking@firstmerchants.com 317.844.2301 laura moorman Assistant Vice President, Personal Trust Officer lmoorman@firstmerchants.com 317.844.2399 THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR TRUST PRODUCTS Retirement We offer a variety of retirement plan services to individuals and employers of all sizes. We will help you maximize your savings, minimize your taxes and make your savings last. We specialize in: • 401(k) Plans • 403(b) Plans • Profit-sharing • Pension Plans • Cross-Tested Plans IRAs Even if you’re already contributing to an employer-sponsored plan, you should consider contributing to an IRA. It is not uncommon to have more than one account in place to reach retirement goals. IRAs offer a variety of investment options and different tax benefits. We offer Traditional IRAs, SEP IRAs and Roth IRAs. There are advantages to both, depending on your anticipated situation. We will help you sort through to determine which one meets your needs. • Cash Balance Plans • Flexible Spending Accounts • IRAs • SEP IRAs Why choose First Merchants Trust Company for your Qualified Plan? Personal Trust First Merchants Trust Company is a team of professionals who will work with your tax and estate lawyers and provide professional fiduciary services to help ensure your estate plan is carried out according to your wishes. • No hidden fees or expenses • FMTC is the trustee of your plan • No third-party administration • No front-end loads on mutual funds • Reduced tax liability • Not restricted to any fund family • Revocable Living Trusts • Irrevocable Trusts • Testamentary Trusts • Charitable Trusts • Special Needs Trusts • Investment Management • Estate Administration • Custody • Guardianships • IRAs Preserving your legacy: Good planning has a positive impact on all those you may touch – multiple generations, charities and others. Effective estate planning, sound administration and a focus on a family’s specific goals, needs or objectives are best accomplished with experienced trust professionals. Estate planning and investment management are complicated matters – First Merchants Trust can help. The sum of these components provides an allocation that creates your portfolio’s offensive and defensive strategy. For additional information, please visit www.firstmerchants.com/Trust Investments The preservation and continued growth of your assets are important elements of your trust. Successful wealth management begins with establishing a financial blueprint. Our team of portfolio managers, along with your account administrator, will work with you to outline your short and long term goals and define your risk tolerance; doing so will allow us to formulate the proper mix of assets just for you. Regular reviews will take place over time to keep investments in line with your original objectives as well as with any changes that occur along the way. Factors that should be considered include your time horizon, liquidity needs, income needs, gifting plans, risk tolerance, and tax situation. First Merchants Trust products are not covered by the FDIC and may lose value. THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE PRIVATE ADVISORY GROUP COMPREHENSIVE FINANCIAL SOLUTIONS We will... First Merchants Private Advisory Group provides a dedicated, reliable and collaborative platform from which to construct a financial blueprint of your future. Through thoughtful planning, our team will maximize financial success for you, your family and your business. Our depth of knowledge and experience makes it possible for us to meet all of your financial needs. >> Keep you focused on where you want to go >> Advise you on how to get there >> Remind you of the importance of maintaining a disciplined approach to realizing your goals OUR PRIVATE ADVISORY GROUP TEAM OUR PRIVATE ADVISORY GROUP PRODUCTS Private Advisory Group services include Commercial Banking, Retail Banking, Insurance and Trust products. Note, Insurance and Trust products are not FDIC insured and may lose value. THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR PRIVATE ADVISORY GROUP TEAM DAVID CLARK First Vice President, Relationship Manager, CTFA, ChFC, RFC dclark@firstmerchants.com Office: 317.844.2143 Cell: 317.258.1610 David has over twenty-five years in the banking and financial industry. He specializes in providing DAVID’s Team financial solutions for physicians, executives and legal professionals. JIM DIMITROFF Vice President, Trust Relationship Manager jdimitroff@firstmerchants.com 317.566.6141 RHONDA KING, CTFA Vice President, Personal Trust Officer rking@firstmerchants.com 317.844.2301 SHELLEY CAMPBELL, LUTCF Vice President, Account Executive scampbell@firstmerchants.com 317.566.6130 MICHELLE MARTIN Assistant Vice President, Treasury Management Officer mdmartin@firstmerchants.com 317.844.2302 THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR PRIVATE ADVISORY GROUP PRODUCTS A Different Approach... Our approach to meeting your financial needs is different than most banks. When you work with us, our first priority is to ensure the establishment of a successful relationship between you and your own personal professional banker - one who knows and understands both you and your business needs. All you will ever have to do is make one phone call directly to your professional banking partner in order to consistently and reliably receive expert service. Your experienced banker knows how your profession works. With this knowledge and expertise put to work on your behalf, we will develop a customized comprehensive package, with services integrated to work in your best interests. From assisting you in setting up sound business practices to making adjustments and changes in strategy as time passes, your trusted professional banking advisor can be relied upon to be there for you - 24 hours a day, 7 days a week. In fact, you will be given the personal cell number of your professional banker for use at any time. With customer service and lending structures that are tailored to your needs, you will have more time to focus on your professional needs and be more productive. Personal Banking Needs: • Checking & Savings Accounts • Certificates of Deposit • Individual Retirement Accounts • 24-Hour Banking Access: The Flexibility You Need... Because the financial needs of professional practice vary widely from start-up through expansion and eventual retirement, our goal is to provide you with a banking relationship and a financial plan for all stages of your business life. Flexible, accessible financing and services to help you with: • New equipment financing • Office real estate financing • Cash flow improvement • Full range of valuable cash management services • Buying or selling a business Offering attractive financing plans at competitive rates for: • Acquisition finance • Working capital lines of credit • Lease-hold improvement and equipment financing • Commercial real estate Responsiveness You Can Count On... - Internet Banking - Automated Phone Access - ATM • Safe Deposit Boxes • Personal Credit Cards • ATM, Debit Cards Loans & Lines of Credit: • Real Estate • Home Equity • Personal Property Retirement, Trust & Investments • Retirement Planning for you and your practice • Personal Trust Services • Asset Management Insurance • Commercial • Employee Benefits • Personal For additional information, please visit www.firstmerchants.com Private Advisory Group services include Commercial Banking, Retail Banking, Insurance and Trust products. Note, Insurance and Trust products are not FDIC insured and may lose value. THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE WHO WE ARE Since 1893, First Merchants has provided the best of what banking can offer – customer-valued products and services delivered locally by bankers who are known and trusted in their communities. • Local leadership and relationship professionals • Community involvement with talent, time and treasury • Local decision making • Local boards of directors who are committed and engaged to ensure that the voice of the customer is heard We are a financial services company focused on building deep, lifelong client relationships and providing maximum shareholder value. We provide an environment where customers can bank with their neighbors, realizing that our business begins and ends with people. Please click here for Investor Relations. OUR HISTORY OUR LOCATIONS OUR EXECUTIVES THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR HISTORY First Merchants Corporation has a rich history that dates back to 1893, when the bank was Merchants National Bank of Muncie. Through many years of acquisitions, mergers and charter consolidations, First Merchants Bank was established. First Merchants Corporation has continually increased its capital strength through steady growth, sound financial management and a commitment of personal service to our customers. Since our modest beginnings over a century ago, personal, reliable and professional customer service was exhibited when daily entries in hand written journals were made. Today, with significant improvements in our processes, via advancements in technology, the Corporation’s commitment to personalized customer service is just as important as it was the first day we opened our doors for business. Service and strength continue to be our theme for growth since our first president, Hardin Roads, started on his quest. It is our people that make this quest of growth a reality. Our commitment to shareholders is to continue to evolve a culture that values employees while emphasizing high performance results. We want and need our employees to strive for success because they have an ownership in the company. We want and need employees to view their time spent here as a career rather than a job. We believe strongly Mike Rechin, President and Chief Executive Officer in hiring the right attitude first and training for skills. Our consolidated structure supports our delivery commitment and expands the scope of our lending capabilities, allowing us to deliver service and strength … every day. THE STRENGTH OF BIG THE SERVICE OF SMALL THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR EXECUTIVES MICHAEL RECHIN President and CEO mrechin@firstmerchants.com 765.213.3488 Mike Rechin is President and Chief Executive Officer of First Merchants Corporation. Mike is a graduate of Miami University of Ohio with a Bachelors degree in English and an MBA in finance. He has completed numerous banking schools during his career. As an active leader in the central Indiana community, Mike is a director of the Indiana State Chamber of Commerce and a director of Lynx Capital Corporation. He serves on the Board of Trustees at Minnetrista and serves on the Economic Club of Indiana Board of Governors. He previously served as a director of the United Way of Central Indiana, The Arts Council of Indianapolis, Junior Achievement of Indianapolis, and the Indy Partnership. Mike and his wife, Debbie, have three children and reside in Carmel, Indiana. MORE executives THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR EXECUTIVES MIKE STEWART Chief Banking Officer mstewart@firstmerchants.com 765.213.3434 Mike Stewart is Executive Vice President and Chief Banking Officer for First Merchants Corporation. Mike has a Bachelors degree in finance from Millikin University in Decatur, IL, and an MBA from Butler University in Indianapolis, IN. His current community support includes Chairman of the Board for Bosma Industries for the Blind and member of the Board of Directors for Junior Achievement of Central Indiana, Inc. He is a former Chairman of the Board of the Seton Society (a St Vincent Hospital Foundation Organization) and an alumnus of the Diversity Leadership of Greater Indianapolis. He also served two years on the Board of Directors of Ballet Internationale, six years on the Methodist Children’s Hospital fundraising sub committee and was Co-Chair of the United Way Campaign. Previous to joining First Merchants, Mike spent eighteen years with National City Bank, most recently as Executive Vice President of the Corporate Banking Group. Mike and his wife, Barb, have one son. MORE executives THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR EXECUTIVES MICHAEL HURST Regional President mhurst@firstmerchants.com 317.566.6121 Mike Hurst is Regional President for the Central Region. Mike is a graduate of Purdue University with a Bachelors of Science in Management, a Bachelors of Art in Psychology and a Masters of Science in Management. Mike began his career as a regulator for the Federal Home Loan Bank of Indianapolis – Office of Thrift of Supervision. In 1994 Mike entered the banking industry, serving in a variety of senior credit and lending roles. He joined First Merchants Bank in 2009 as Senior Commercial Lending Manager and became Regional President in 2010. Mike is active in the community and has sat on various philanthropic boards including, Susie’s Place Child Advocacy Center, St. Martin of Tours Catholic Church where he sits on the Faith Formation Committee and is a member of the Knights of Columbus. Mike is married with two children and resides in Martinsville, Indiana. MORE executives THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE OUR EXECUTIVES JERRY ENGLE Community Leader jengle@firstmerchants.com 317.882.4790 Jerry Engle has over 29 years of banking experience and 10 years of regulatory experience with the Department of Financial Institutions. Jerry began his banking career as the Senior Vice President, Lending and Operations for Bargersville State Bank, a $28 million financial institution and quickly assumed the responsibilities of Executive Vice President in 1982 and Chief Executive Officer in 1984. Jerry’s career afforded many opportunities in leadership roles, most recently as the President and Chief Executive Officer for Lincoln Bank, one of the oldest Community Banks in Central Indiana. Jerry holds a Bachelor of Science degree in Administration from the University of Southern Illinois. Jerry is very active in Johnson County where he serves as a member of the Johnson County Economic Development Board, Trustee of Johnson County Memorial Hospital Board, member of Johnson County Community Foundation, member of Johnson Memorial Hospital Foundation and has served as the regional President for the Indiana Bankers Association. MORE executives THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE LOCATIONS INDIANA ADAMS COUNTY DECATUR DOWNTOWN 103 E. Monroe St. Decatur, IN 46733 260.724.2157 DECATUR MAIN 520 N. 13th St. Decatur, IN 46733 260.724.2157 DECATUR ATM Adams County Memorial Hospital 1100 Mercer Ave. Decatur, IN 46733 WOODCREST (Limited Service Center) 1300 Mercer Ave. Decatur, IN 46733 260.724.2157 BROWN COUNTY NASHVILLE 189 Commercial Drive Nashville, IN 47448 812.988.1200 CARROLL COUNTY FLORA 805 E. Columbia St. Flora, IN 46929 574.967.4318 CLINTON COUNTY FRANKFORT WABASH 1900 E. Wabash St. Frankfort, IN 46041 765.654.8742 FRANKFORT DOWNTOWN 60 S. Main St. Frankfort, IN 46041 765.654.8533 DELAWARE COUNTY ALBANY 937 W. Walnut St. Albany, IN 47320 765.789.4426 DALEVILLE 14500 W. Davis Drive Daleville, IN 47334 765.378.7077 DALEVILLE ATM 9301 S. Innovation Drive Daleville, IN 47334 EAST JACKSON 101 S. Country Club Road Muncie, IN 47303 765.747.1332 SOUTHWAY 3700 S. Madison St. Muncie, IN 47302 765.747.1574 EATON 107 E. Harris St. Eaton, IN 47338 765.396.3311 TILLOTSON 801 S. Tillotson Ave. Muncie, IN 47304 765.747.1335 EATON ATM Marathon VP 17000 N. State Road 3 Eaton, IN 47338 VILLAGE 1701 W. University Ave. Muncie, IN 47303 765.747.1592 MADISON 2101 S. Madison St. Muncie, IN 47302 765.747.1541 WESTMINSTER VILLAGE MUNCIE MAIN 200 E. Jackson St. Muncie, IN 47305 765.747.1500 NORTHWEST 1628 W. McGalliard Road Muncie, IN 47304 765.747.1552 CONNERSVILLE NORTH 3030 Western Ave. Connersville, IN 47331 765.827.9846 CARMEL One E. Carmel Drive Suite 100 Carmel, IN 46032 317.844.5675 BROWNSBURG 975 E. Main St. Brownsburg, IN 46112 317.852.3134 FISHERS 12514 E. 116th St. Fishers, IN 46037 317.913.9020 PLAINFIELD 1121 E. Main St. Plainfield, IN 46168 317.837.3640 INDIANAPOLIS 5801 W. Bethel Ave. Muncie, IN 47304 765.378.8760 (Business Banking Only) FAYETTE COUNTY CONNERSVILLE 9TH STREET 832 N. Central Ave. Connersville, IN 47331 765.827.0811 AVON 7648 E. U.S. Highway 36 Avon, IN 46123 317.272.0467 HAMILTON COUNTY (Limited Service Center) YORKTOWN 1501 N. Nebo Road Muncie, IN 47304 765.747.4910 HENDRICKS COUNTY 10333 N. Meridian St. Suite 350 Indianapolis, IN 46290 317.844.2980 NOBLESVILLE 17833 Foundation Drive Noblesville, IN 46060 317.770.7570 WESTFIELD 3002 State Road 32 E. Westfield, IN 46074 317.867.5488 HENRY COUNTY MIDDLETOWN 790 W. Mill St. Middletown, IN 47356 765.354.2291 MOORELAND 110 S. Broad St. Mooreland, IN 47360 765.766.5375 SULPHUR SPRINGS 105 E. Main St. Sulphur Springs, IN 47388 765.533.4171 MORE locations THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE LOCATIONS HOWARD COUNTY JAY COUNTY KOKOMO 1306 E. Gano St. Kokomo, IN 46901 765.236.0730 PORTLAND MAIN 112 W. Main St. Portland, IN 47371 260.726.7158 JASPER COUNTY PORTLAND SUPERCENTER 218 W. Lincoln St. Portland, IN 47371 260.726.7158 DEMOTTE 437 N. Halleck St. Demotte, IN 46310 219.987.5812 REMINGTON 101 E. Division St. Remington, IN 47977 219.261.2161 JOHNSON COUNTY FRANKLIN 2259 N. Morton St. Franklin, IN 46131 317.346.7474 RENSSELAER (ATM 1 block NW of Banking Center) 200 W. Washington St. Rensselaer, IN 47978 219.866.7121 RENSSELAER ATM St. Joseph College Halleck Center 910 W. Schaefer Circle Rensselaer, IN 47978 GREENWOOD STATE ROAD 135 996 S. State Road 135 Greenwood, IN 46143 317.882.4790 53RD ST. 1526 E. 53rd St. Anderson, IN 46013 765.648.4950 LAPEL 1011 N. Main St. Lapel, IN 46051 765.534.3181 MOORESVILLE 1010 N. Samuel Moore Pkwy. Mooresville, IN 46158 317.834.4100 WORTHSVILLE ROAD 18 Providence Drive Greenwood, IN 46143 317.883.3559 NICHOL 2825 Nichol Ave. Anderson, IN 46011 765.640.4981 PENDLETON 100 E. State St. Pendleton, IN 46064 765.778.2132 MORGANTOWN 180 W. Washington St. Morgantown, IN 46160 812.597.4425 TRAFALGAR 110 N. State Road 135 Trafalgar, IN 46181 317.878.4111 ANDERSON ATM Anderson University 1100 E. 5th St. Anderson, IN 46012 TREYBOURNE HARTMAN 416 E. Hartman Road Anderson, IN 46012 765.608.3336 (Loan Office) EMERSON 1250 N. Emerson Ave. Greenwood, IN 46143 317.881.1414 648 Treybourne Drive Greenwood, IN 46142 317.883.8811 MADISON COUNTY GREENWOOD MALL 1275 U.S. Highway 31 N. Greenwood, IN 46142 317.884.1045 ANDERSON MAIN 33 W. 10th St. Anderson, IN 46016 765.622.9773 UNIVERSITY 1933 University Blvd. Anderson, IN 46012 765.640.4973 MORGAN COUNTY HERITAGE 3055 U.S. Highway 36 W. Pendleton, IN 46064 765.778.9793 INGALLS ATM 227 N. Swain St. Ingalls, IN 46048 MIAMI COUNTY RANDOLPH COUNTY MACONAQUAH 990 W. Main St. Peru, IN 46970 765.472.4363 UNION CITY 450 W. Chestnut St. Union City, IN 47390 765.964.3702 MIAMI 855 N. Broadway Peru, IN 46970 765.472.0253 WINCHESTER 122 W. Washington St. Winchester, IN 47394 765.584.2501 MONTGOMERY COUNTY TIPPECANOE COUNTY CRAWFORDSVILLE 134 S. Washington St. Crawfordsville, IN 47933 765.362.0200 26 EAST 3901 State Road 26 E. Lafayette, IN 47905 765.423.7167 ATTICA ATM Supertest 301 S. Brady St. Attica, IN 47918 MORE locations THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE LOCATIONS ELSTON 2862 U.S. Highway 231 S. Lafayette, IN 47909 765.423.7166 LAFAYETTE STATION 2504 Teal Road Lafayette, IN 47905 765.423.7164 LAFAYETTE MAIN 250 Main St. Lafayette, IN 47901 765.423.7100 LAFAYETTE ATM Supertest 1803 E. Veterans Memorial Parkway S. Lafayette, IN 47909 LAFAYETTE ATM Supertest 1309 Sagamore Pkwy S. Lafayette, IN 47905 MARKET SQUARE 2200 Elmwood Ave. Lafayette, IN 47904 765.423.7163 PURDUE ATM Purdue University Memorial Union 101 N. Grant St. West Lafayette, IN 47906 TIPPECANOE COURT 2513 Maple Point Drive Lafayette, IN 47905 765.423.3821 VALLEY LAKES 1803 E. Veterans Memorial Parkway S., Suite J Lafayette, IN 47909 765.423.3841 WABASH COUNTY CHIPPEWA 1250 N. Cass St. Wabash, IN 46992 260.563.4116 MESHINGOMESIA 901 State Road 114 W. North Manchester, IN 46962 260.982.7504 WABASH DOWNTOWN 189 W. Market St. Wabash, IN 46992 260.563.4116 WAYNE COUNTY MONTICELLO MAIN 116 E. Washington St. Monticello, IN 47960 574.583.4666 MONTICELLO WALMART 1088 W. Broadway St. Monticello, IN 47960 574.583.3078 BUTLER COUNTY WEST LAFAYETTE ATM JB Battlefield 5851 State Road 43 N. West Lafayette, IN 47906 RICHMOND-GLEN MILLER 1 Glen Miller Parkway Richmond, IN 47374 765.962.8150 FRANKLIN COUNTY WHITE COUNTY BROOKSTON 103 N. Prairie St. Brookston, IN 47923 765.563.6400 (Business Banking Only) 5151 Pfeiffer Road Suite 220 Cincinnati, OH 45242 513.794.7450 OHIO WEST LAFAYETTE 2329 N. Salisbury St. West Lafayette, IN 47906 765.423.7162 LIBERTY 107 W. Union St. Liberty, IN 47353 765.458.5131 CINCINNATI REYNOLDS 105 E. 2nd St. Reynolds, IN 47980 219.984.5471 RICHMOND-CHESTER BLVD 2206 Chester Blvd. Richmond, IN 47374 765.935.4505 UNION COUNTY HAMILTON COUNTY OXFORD 4 N. College Ave. Oxford, OH 45056 513.524.8301 COLUMBUS MAIN (Business Banking Only) 3650 Olentangy River Road Suite 100 Columbus, OH 43214 614.583.2200 MORE locations THE STRENGTH OF BIG THE SERVICE OF SMALL CONTACT US COMMERCIAL BANKING TREASURY MANAGEMENT INSURANCE TRUST PRIVATE ADVISORY GROUP WHO WE ARE CONTACT US At First Merchants Corporation, we offer “The Strength of Big, The Service of Small.” If you have any further comments and questions about our banking services, please let us know. Customer Service Representatives are available Monday through Friday 7:00am to 7:00pm and Saturdays 9:00am to 1:00pm Lost or Stolen Debit Card: Call 1-800-500-1044 Online Banking: Phone: (765) 747-1382 or (800) 205-3464 customerservice@firstmerchants.com First Merchants Bank Customer Service: (800) 205-3464 Telephone Banking: (800) 473-5055 Trust & Investment Management Trust Marketing Phone: (765) 751-1872 or (866) 238-0082 nkinghorn@firstmerchants.com First Merchants Corporation 200 E. Jackson St. Muncie, IN 47305 (765) 747-1500 Lafayette Bank and Trust Customer Service: (800) 755-2491 Telephone Banking: (800) 723-7201 Commerce National Bank Customer Service: (888) 716-1514 Telephone Banking: (866) 714-4634 Stockholder Inquiries: Cynthia G. Holaday Shareholder Relations Officer First Merchants Corporation Phone: (765) 741-7278 or (800) 262-4261 ext.27278 shareholderrelations@firstmerchants.com THE STRENGTH OF BIG THE SERVICE OF SMALL