Washington Savings Bank Quarterly Newsletter

BankingNews

2nd Quarter 2015

MOBILE DEPOSIT IS HERE!We know that flexible and convenient banking is important to you. That is why we are excited to announce our new Mobile Deposit service!

With Mobile Deposit you can deposit checks into your account just like you had hopped into your car and drove to one of our bank branches – except you don’t have to leave your house, car or even your picnic by the lake to do it!

….And, it’s safe, easy and super convenient!

HOW DOES MOBILEDEPOSIT WORK?First, to use the Mobile Deposit service, you will need to sign-up for Go Mobile, our mobile banking service. (Don’t worry – it’s free!) Then, the rest is easy!

• Log on to Mobile Banking. • Select the Deposits button. • Select the account you want to deposit the funds and enter the check amount. • Take a picture of your check (front and back) with your smartphone • It’s secure! You will receive a notification that your check has been submitted successfully!

SIGN UP TODAY!Getting started is easy! 1. Sign up for online banking. 2. From your online account, enroll in Mobile Banking – then you are ready! 3. Contact one of our new account specialists to get help or learn more.

Bank Anytime - Anywhere!

We are excited to introduce our 24/7 Virtual Branch! Now you can enjoy the conveniences of banking at a traditional branch by using our online and mobile services for all of your personal banking needs anytime and anywhere! We are offering these e-services to ensure busy people can engage in banking in a way that meets their needs.

The 24/7 Virtual Branch will allow customers who lead mobile lifestyles the freedom and access they want without requiring them to come into the bank.

Consider the possibilities…

• Deposit checks using mobile deposit

• Pay your bills whenever you want

• Open a checking account for your high school student without setting foot in the bank

• Transfer money between accounts

• Pay your co-worker directly for your portion of a group gift using POP money, a person-to-person money transfer service.

• Apply for a home loan online

• And more!

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

To learn more about our 24/7 Virtual Branch, visit our website at

www.washingtonsavings.net/virtual-branch.

INTRODUCING OUR 24/7 VIRTUAL BRANCH

By now you should have received a letter, proxy ballot and packet of information with frequently asked questions along with bank-specific information. As a reminder, this mailing is regarding the reorganization of the Bank into a mutual holding structure and the consolidation with First Federal Savings & Loan of Mattoon.

I urge you to read the package of materials you received carefully. Your Board of Directors unanimously recommends that you vote FOR the Plan. The Plan must be approved by at least a majority of votes eligible to be cast. Therefore, your vote is very important. Not voting has the same effect as a vote against the plan.

All proxies must be received by Saturday, August 8, 2015 to be effective.

If you have any questions, please stop by the Bank or call (217) 347-7173. We would be happy to answer any questions you might have about the consolidation or the proxy vote.

SMART OPTION STUDENT LOAN

For the upcoming 2015/16 academic year, Washington Saving Bank has partnered with Sallie Mae to bring our customers the Smart Option Student Loan®, allowing families to design the private education loan that’s right for them.

• Competitive Rate: Access competitive variable and fixed interest rates.• No Origination Fees: Customers benefit from no origination fees or prepayment penalties with the Smart Option Student Loan.• Choice and Flexibility: Multiple convenient repayment options are available for students and their families to choose the option that best meets their needs. Students are encouraged to make payments while in school to reduce finance charges and the amount owed, and more than half of customers choose this option.• Interest Rate Reduction: Customers may be eligible for an interest rate reduction by enrolling in the automatic debit option.

Keep in mind that many students heading to college are new to credit and may have little or no credit history. Adding a cosigner, such as a parent or other creditworthy person, may offer a better chance of approval and may help lower your interest rate.

Washington Savings Bank is compensated for the referral of Smart Option Student Loan customers.

For more information or to apply visit www.washingtonsavings.net or call (217) 347-7173.

Heading to College this Fall? Let us Help.

HAVE YOU VOTED?Your proxy vote is very important.

VOTETODAY!

200 S. Banker StreetEffingham, IL 62401

200 S. Banker Street217-347-7173

1300 N. Keller Drive217-347-7127

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

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

24-Hour ATM

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

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

24-Hour ATM

WE HAVE MONEY TO LEND!

Buy a home

Improve your home

Refinance your mortgage

Use funds from your home

Purchase commercial assets24/7 Virtual BranchBank Anytime.

Anywhere.

*Subject to credit approval.