insights
Spring 2015
!
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√ ENV
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√ SAVE
reduce
reuse
recycle
reduce
reuse
recycle
!
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√ EC
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√ ENVIR
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We’ve all heard a lot about it. Most of us agree that it’s the right thing to do. Some of us have implemented
practices at home to minimize our footprints on the environment. It’s important that businesses are
environmentally responsible as well. How businesses implement environmentally friendly practices depends on
the nature of the business and the footprint that business leaves on the environment.
At BOS we’re concerned about the amount of paper we produce. According to a study done by Duke University,
the average person generates 4.3 pounds of trash per day. Think about how much unwanted mail you receive in
one week’s time. You know, those countless catalogs, advertisements, and other mail that you did not request.
Oh, and phone books…seriously, how many phone books does one household need? These things just show up
in our mailboxes only to be tossed into the trash, eventually ending up in a landfill somewhere. That’s why we
decided to get serious about going green. We’ve been working diligently to reduce the amount of paper we
produce, distribute, and throw in the trash.
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MEMBER
FDIC
This will be th
e last time yo
u
receive a pap
er copy of this
newsletter.
Beginning wit
h the Summe
r 2015 issue,
will be delive
we
ring the news
letter to the e
address we h
mail
ave on file.
We’ve come a long way. In 2014, we recycled over 41 tons of paper
through Cintas. That’s 41 tons of paper that did not end up in a landfill. Our employees
need very little file cabinet storage because anything that can be stored electronically, is stored electronically.
Corporate credit card bills and receipts are stored electronically. Payroll is deposited directly into bank accounts
and paystub information is delivered electronically. We also receive property tax bills from Sangamon County
electronically and other counties are providing us with online access to property tax bills. Soon, our Spring Bancorp
Board of Directors will conduct paperless board meetings.
Our next step is to go green with our BOS Insights Newsletter. This will be the last time you receive a paper copy
of this newsletter. Beginning with the Summer 2015 issue, we will deliver the newsletter to the email address we
have on file. If you do not have your email address on file with us, but want to continue to receive this newsletter,
give us a call to update your email address. If you do not have an email address you have other options. First you
can go to bankwithbos.com and click on the “About” tab at the top, then select BOS Insights. Or, if you want to have
a paper version of the newsletter, we will have a limited supply available in our lobbies and at the teller lines.
These are some of the steps we’ve taken thus far to minimize our impact on the planet. We hope you’ll join us in
our effort to reduce the paper waste we produce. One way you can help is to sign up for eStatements and eNotices.
Give us a call today to learn more.
Congratulations, Ben!
2014 BOS Employee of the Year
Ben Johnson was voted Employee of the Year
by his co-workers. He is a Loan Documentation
Officer. Thank you for your hard work and
dedication, Ben!
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MEMBER
FDIC
Downpayment
Plus® Program
If Ifyou
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to to
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The Downpayment Plus® program provides an opportunity for member financial institutions
of the Federal Home Loan Bank of Chicago to assist in making homeownership a reality for
families who otherwise might see it as only a dream. BOS is proud to be a part of this statewide
initiative and looks forward to expanding the homeownership opportunities.
To learn more about the program, contact a BOS Loan Officer.
Requirements of Downpayment Plus®:
• Income-qualified households within Illinois are eligible to receive up to $6,000 in
downpayment and closing costs assistance to be used in conjunction with the
acquisition of owner-occupied one and two-family dwellings.
• To be eligible for the program, an applicant must have an aggregate annual
household income that is 80% or less than the area median income. Income limits vary
by county and household size, thus, prospective homeowners should contact our mortgage loan department to see if they qualify.
• Income eligible families who wish to purchase a home must apply for home
financing and qualify for a mortgage based upon our loan underwriting guidelines.
• A homebuyer must make a cash contribution towards the purchase of the home.
• Pre-purchase homebuyer counseling is required of borrowers accessing the program.
• The assistance provided is in the form of a five year forgivable grant. If the home is
sold for a net gain within five years, the borrower must repay from the gain a prorata share of the grant. Upon completion of five years the grant is totally forgiven.
• The availability of funds under this program is limited and controlled by certain
program parameters; therefore, we cannot guarantee that all qualified prospective
buyers will be able to gain access to the program. Grants will be awarded to
qualified applicants on a first-come, first-served basis until funds are depleted.
877.698.3278 • bankwithbos.com
EQUAL HOUSING
LENDER
All loans subject to credit approval. BOS NMLS #402619. “Downpayment Plus” is a registered trademark of the Federal Home Loan Bank of Chicago.
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Spring 2015 Edition
BOS Classic 50
DETACH HERE
activities & tours
Church Basement Ladies in “The Last Potluck Supper” Circa 21 Dinner Playhouse
Munch and Learn Protecting Assets for the Long Term,
David Edwards
Wednesday, May 6............................................. $110.00
Circa 21, a beautifully restored 1920’s theatre
located in Rock Island, Illinois, has been in
business for 38 years, providing a variety of great
entertainment and meals. This show is a hilarious
comedy about the lovely ladies of the church
kitchen serving rib-tickling laughs without spilling
a drop of their egg coffee! Included in the trip cost is
transportation, a delicious lunch, and this outstanding show.
Wednesday, June 3.............................................................................................................Free
During this discussion with experienced elder law attorney, David
Edwards, we will learn more about planning goals and timelines, long term
care, benefits for in-home care, surprising ways that effective planning
can protect your assets and gain benefits for care, why a revocable living
trust will NOT help protect assets from nursing homes, and why you do not
have to be broke to get government benefits for care.
Cahokia and Our Lady of the Snows
Munch and Learn Understanding Interest Rate Fluctuations
Wednesday, May 13...........................................................................................................Free
Join us for a discussion about the current and future interest rate
environment and how it affects your income and assets. We will cover
when interest rates may rise, how to manage the cycle of interest rates,
risks associated with fixed income investments, and tax-free interest
versus taxable interest.
Hawaiian Islands Information Meeting
Thursday, May 14.................................................................................................................Free
Experience Hawaii with the ease and convenience of unpacking only once
as we cruise among these beautiful islands. See the Major Tours section of
this newsletter and call for meeting details.
“Smoke on the Mountain” Barn II Dinner Theatre
Sunday, May 17...................................................$68.00
In addition to another great brunch at the Barn
we will also enjoy the Barn’s most popular show
ever, which is back for their 40th anniversary!
The Sanders Family Singers are once again
descending upon Mount Pleasant, North Carolina for a Saturday Night
Gospel sing. You will not want to miss the hilarious stories, rousing gospel
songs and great entertainment.
Frank Lloyd Wright and the Botanical Garden, St. Louis
Wednesday, May 20....................................................................................................$85.00
Linda Koenig will guide us as we visit a Frank Lloyd Wright designed home
in Kirkwood Missouri, as well as the historic Victorian home, Mudd’s Grove.
For lunch we will enjoy a delicious buffet lunch at a St. Louis favorite, St.
Raymond’s Maronite Catholic Church. In the afternoon we will visit the
world famous Missouri Botanical Garden. Linda will take us on a walking
sculpture and plant tour throughout the garden with time to visit the gift
shop and relax on the garden patio.
Wednesday, June 17...................................................................................................$77.00
Today we will spend the day with Linda Koenig as she guides us through
the Cahokia area, with visits to the courthouse, made famous for legal
hearings and other government activities during the Lewis and Clark era,
the only two French vertical timber churches in North America, and the
Jarrot Mansion, the oldest brick home in Illinois. We will also visit Cahokia
Mounds, one of only 21 United Nations World Heritage sites in America,
and home to the largest civilizations in North America until the late
1700’s. Lunch is included at Our Lady of the Snows Shrine Restaurant.
“Hairspray” - Little Theatre on the Square - Matinee
Wednesday, June 24........................................... $79.00
Today we are heading to Amish country
to enjoy an all-inclusive buffet lunch
at Yoder’s Kitchen in Arthur. Then we’ll
travel the short distance to Sullivan, and
the Little Theatre, to enjoy this very popular
show about a lovable plus-size girl who
has only one desire...to dance on a popular
TV show.
Wisconsin Adventure
July 30-31 (2 days)...................................................................................................$380.00
We begin our journey heading to Lake Geneva, Wisconsin for a cruise
on this beautiful lake. Then we travel the short distance to Fort Atkinson
to the Fireside Dinner Theatre, one of the premier theatres in the midwest, to enjoy The Pump Boys & Dinettes. This Broadway musical hit is
a mixture of country, rock, and folk music. We overnight in Fort Atkinson,
and after an included breakfast we head west to the House on the Rock, an
architectural marvel perched on a 60-foot chimney of rock. Also included
in the trip price is motor coach transportation, hotel accommodations,
luggage handling, dinner and show at the Fireside, lunch at House on the
Rock, and more. Call for a complete itinerary.
DETACH HERE
more activities and tours
continued on next page!
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Spirit of Peoria & Starved Rock State Park
Wednesday, August 5........................................................................................... $79.00
Once again we are off to Amish Country to enjoy a great buffet lunch
at Yoder’s and this great performance at the Little Theatre in Sullivan.
The show features Gomez and Morticia Addams, and their daughter
Wednesday, who has secretly fallen in love with a “normal” boy.
Wednesday has invited her boyfriend to dinner, as well as his parents
who are also “normal”. Big surprise for both sets of parents and a very
entertaining show for us!
October 12-13, 2015..................................................$450.00
We’ve had many requests to repeat this great cruise
on the Illinois River to beautiful and historic Starved
Rock State Park. As we cruise north on the famous
Spirit of Peoria paddle wheeler, we will be treated to
great food and entertainment and many fall scenes
along the river. We will overnight at the Starved
Rock Lodge, be treated to a tour of the area the next morning, and return to
Springfield by way of the Spirit, again enjoying the great food, entertainment,
and fall colors. Call for a complete itinerary.
DETACH HERE
The Addams Family Little Theatre on the Square - Matinee
Major Tours 2015-2016
call for complete itineraries
The Best of Eastern Canada
July 5-12, 2015 (8 days)..............................................................................$3,299.00
Montreal; Quebec City; Ottawa; Kingston: Toronto; and Niagara Falls are
included in this fantastic tour of Eastern Canada. Montreal: Mount Royal
Park; visit Montreal’s famous underground shopping complex. Quebec City:
Chateau Frontenac; visit and stroll in the old city. Ottawa: Capital city of
Canada showcasing the Rideau Canal. Kingston: Lake Ontario cruise among
the spectacular 1,000 Islands. Niagara Falls: Cruise to the base of the falls.
Included in the cost are airport transfers; flights; hotel accommodations;
travel insurance; and much more. Call for a complete itinerary.
Pacific Coast Adventure
September 2-11, 2015
(10 days).............................................. $3,279.00
This wonderful trip takes us from Seattle to
San Francisco. Places we will visit include
Victoria Island and Butchart Gardens,
Seattle, Mt. St. Helens Visitor Center,
Columbia River Gorge, Portland, Oregon’s Pacific Coast, Crater Lake,
Redwood National Park, and San Francisco. Included in the trip cost are
airport transfers, flights, hotel accommodations, travel insurance, and
much more. Call for a complete itinerary.
Southern California & Queen Mary Getaway
November 8-13, 2015 (6 days)...........................................................................$2,299.00
The highlight of this trip will be our Queen Mary experience. Once the
grandest ocean liner in the world, and now a full-service hotel, she is also a
historical landmark and entertainment venue permanently moored in Long
Beach harbor. Other highlights of this trip include visits to: Hollywood; Beverly
Hills, and Rodeo Drive; Santa Monica; Warner Brothers Studio, Rose Bowl
Stadium tour, and much more. Included in the trip cost are airport transfers,
flights, hotel accommodations, travel insurance, and much more. Call for a
complete itinerary.
The Wonders of South America
Featuring Brazil, Argentina, and Chile
January 18-30, 2016 (13 days).........................................................................$5,649.00
Highlights of this amazing tour: Rio de Janeiro: Christ the Redeemer statue;
2014 World Cup soccer; 2016 Summer Olympics; Copacabana Beach. Iguazu
Falls: A UNESCO site and one of the seven natural Wonders of the World. Buenos
Aires: Considered to be the Paris of South America; birthplace of the Tango;
Evita Peron memorial and the Presidential Palace. Santiago: magnificent Andes
mountain vistas; discover Chilean wine and sea bass; visit the Pacific Coast city
of Valparaiso. Call for a complete itinerary.
NEW! Hawaiian Islands Cruise
the fun
Starts Here!
March 9-20, 2016 (12 days).................$4,984.00
Included in this wonderful trip: Roundtrip nonstop flights Chicago/Honolulu/Chicago; 2 nights
at the Outrigger Reef on Waikiki beach prior to
the cruise; 8 days-7 nights on Norwegian Cruise
Lines Pride of America; 23 meals; Travel Guard
insurance; round trip motor coach airport, ship, and hotel transfers, interior cabin
(ocean view and balcony cabins available); baggage handling; and more. Call for
a complete itinerary and plan to attend the Trip Information Meeting on May 14.
Reservation Information: To reserve space for Classic 50 tours and activities, call Roger or the Reservation Line. Guests of members are
welcome to participate (one guest per member). Trip prices are per person. For the overnight trips, the prices listed are per person, based on
double occupancy.
World Connect Program: In addition to the many tours offered by BOS Classic 50, we also partner with Collette Vacations to provide
Roger Bucher Vice President - Classic 50 Coordinator
Direct Line: (217) 241-6120 • Reservation Line: (217) 241-6190 • Toll Free: (877) 698-3278 • [email protected]
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DETACH HERE
independent travel opportunities for BOS customers and their guests. Collette offers many domestic and international destinations, at a reduced
rate for our customers. We offer suggestions, help with the travel arrangements and provide additional support. Call Roger for details.
MEMBER
FDIC
c­­ ommunity involvement
January
April
June
BOS employees volunteered to serve lunch
at St. John's Breadline during the last week
of January.
BOS employees and BOS Dog formed a
Super Six team to help raise funds during
UCP’s Telethon.
BOS employees signed up to volunteer
time for United Way’s Day of Action
which helps a local organization with their
facility’s upkeep by working on various
indoor and outdoor projects.
BOS employees plan a fundraiser
to benefit St. Jude.
February
27 BOS employees donated blood for
Central Illinois Community Blood Center.
March
May
BOS employees are participating in Race
for the Cure and the Springfield Heart
Walk.
BOS volunteers mentor Springfield
students in the “Make the Grade” program.
BOS employees participated in Big
Brothers Big Sisters Bowl for Kids’ Sake.
BOS Staunton had a blood drive in March.
business hours
SPRINGFIELD • (217) 529-5555
3400 W. Wabash Ave., 2600 Stevenson Dr., 850 E. Madison St.
LOBBY M-Thr 8:00 am - 5:00 pm DRIVE UP M-Fri
7:30 am - 6:00 pm
Friday 8:00 am - 6:00 pm Saturday 7:30 am - Noon
Saturday 8:00 am - Noon
JACKSONVILLE • (217) 479-8888
1701 W. Morton Ave., 303 W. College Ave.
LOBBY M-Thr 8:00 am - 5:00 pm DRIVE UP M-Fri
7:30 am - 6:00 pm
Friday 8:00 am - 6:00 pm Saturday 7:30 am - Noon
Saturday 8:00 am - Noon
METRO-EAST • (618) 310-2555
1717 N. Illinois St., Swansea, IL; 1770 Frank Scott Parkway East, Shiloh, IL
LOBBY M-Thr 8:00 am - 5:00 pm DRIVE UP M-Fri
7:30 am - 6:00 pm
Friday 8:00 am - 6:00 pm Saturday 7:30 am - Noon
Saturday 8:00 am - Noon
QUINCY • (217) 641-5555
1111 Maine St.
LOBBY M-Thr 8:00 am - 5:00 pm DRIVE UP M-Fri
7:30 am - 6:00 pm
Friday 8:00 am - 6:00 pm Saturday 7:30 am - Noon
Saturday 8:00 am - Noon
CHATHAM • (217) 483-6666
1140 Commercial Court
LOBBY M-Thr 8:00 am - 5:00 pm DRIVE UP M-Thr
7:30 am - 6:00 pm
Friday 8:00 am - 6:00 pm Friday 7:30 am - 7:00 pm
Saturday 8:00 am - Noon
Saturday 7:30 am - Noon
STAUNTON • (618) 635-5100
417 West North
7:30 am - 6:00 pm
LOBBY M-Thr 8:00 am - 5:00 pm DRIVE UP M-Fri
Saturday 7:30 am - Noon
Friday 8:00 am - 6:00 pm Saturday 8:00 am - Noon
GLEN CARBON • (618) 288-4407
2160 South Illinois Route 157, Suite A
LOBBY M-Thr 8:00 am - 5:00 pm DRIVE UP M-Fri
7:30 am - 6:00 pm
Friday 8:00 am - 6:00 pm Saturday 7:30 am - Noon
Saturday 8:00 am - Noon
@bankwithBOS
7
July
BOS will participate in the
“Bank on Us to Save Lives
Challenge” with the Central
Illinois Community Blood Center
by holding a blood drive in
Springfield on July 17 from
8:00am – 11:00am at 3400
Wabash and from 1:00pm –
3:00pm at our Operations Center
located at 2821 S. MacArthur.
ATM locations
SPRINGFIELD ATM LOCATIONS
BOS: 3400 W. Wabash Ave., 2600 Stevenson Dr., 850 E. Madison St.
Sangamon County Circuit Clerk’s Office, 200 South 9th St.
Jefferson Street and Walnut Street, On the North West Corner
Koke Mill Medical Center, 3132 Old Jacksonville Road
King Pin Bowling Alley, Sangamon Ave. and Dirksen Pkwy.
Montvale Shopping Center, Chatham Rd. and Iles Ave.
Popeye’s Famous Fried Chicken, 2801 South Grand Ave. East
Sangamo Chapter Credit Union, 310 S. Grand Ave.
2930 South 6th Street, by Burger King
Prairie Capital Convention Center, 1 Convention Center Plaza
Scheels, 3801 South MacArthur Blvd.
Midwest Technical Institute, 2731 Farmer's Market Rd.
JACKSONVILLE ATM LOCATIONS
BOS: 1701 W. Morton Ave.
& 303 W. College Ave.
METRO-EAST ATM LOCATIONS
BOS: 1717 N. Illinois St., Swansea
(Corner of Rt. 159 & Rt. 161), &
1770 Frank Scott Parkway East, Shiloh
QUINCY ATM LOCATION
BOS: 1111 Maine St.
CHATHAM ATM LOCATION
BOS: 1140 Commercial Court
STAUNTON ATM LOCATION
BOS: 417 West North
SURCHARGE-FREE ATM
NETWORK
BOS is a member
of the MoneyPass
network, offering more than
22,000 surcharge-free ATMs
virtually anywhere in the United
States. Access your money
from home, work or afar – for
free. Just look for an ATM with
a MoneyPass logo and use your
existing BOS debit card without
paying a fee. To find the Money
Pass locations nearest you,
visit www.bankwithbos.com or
download the free MoneyPass
app for Apple iPhones.
GLEN CARBON ATM LOCATION
BOS: 2160 South Illinois Route 157
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FDIC
P.O. BOX 19301
SPRINGFIELD, IL 62794-9301
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©2015 181952 LKCS • www.lk-cs.com
Find your
way home.
With a VA, FHA or Rural Development mortgage loan at BOS, you benefit
from not only a low interest rate but also a low down payment. Let a BOS
Mortgage Banker find the right mortgage for you.
All loans subject to credit approval. Financing provided by the federal government must meet certain requirements.
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FDIC