Merger Sample Book

Frequently Asked Questions

> What is my new bank routing number? Fidelity Bank’s routing number is 111924787. > My paycheck is directly deposited weekly; do I need to notify my employer? Your direct deposit will continue to post to your accounts when they are converted to Fidelity Bank accounts. > Will I have a choice in the type of account available to me, or will you choose one for me? Your account(s) will be transferred to the Fidelity Bank account(s) that most closely fit the features and benefits of your existing account(s). After April 28, if you determine that another account type is more appropriate, simply contact any Fidelity Bank Personal Banker to change your account type. > May I continue to use my existing checks for my accounts? Yes, you may. First National Bank of Byers checks will continue to clear for an undetermined amount of time after April 25. However, your bank routing number will change. When you reorder your checks through Fidelity Bank the routing number at the bottom of your checks will automatically change. If you order through another check vendor you will need to provide them with your new routing number. > Will the bank’s hours remain the same? Yes. Both the lobby and drive-thru hours at the current First National Bank of Byers locations will remain the same as they are now. > Will the bank staff remain the same? Fidelity Bank plans to retain all employees at the First National Bank of Byers locations. Therefore, you will continue to bank with the same individuals who have provided the outstanding customer service you have come to expect. > Will there be changes to the terms of my First National Bank of Byers loans? No. Your interest rate, payment amount, due date and term will remain the same > How does this affect my FDIC coverage? Your FDIC coverage at Fidelity Bank is the same that you had at First National Bank of Byers. When two or more insured banks merge, deposits for the purchased bank are separately

insured from deposits at the purchasing bank for at least six (6) months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary. CDs from the purchased bank are separately insured until the earliest maturity date after the end of the six (6) month grace period. CDs that mature during the grace period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the grace period. If a CD matures during the grace period and is renewed on any other basis, it would be separately insured only until the end of the six (6) month grace period. > Will the terms on my CD change? No. The interest rate and terms of any existing Certificate of Deposit that you have at First National Bank of Byers will remain the same. Please refer to the Certificate of Deposit section in this book for complete product terms and conditions . > When will I get my new payment book for my loan? Fidelity Bank does not use coupon books. Billing notices are processed and mailed within 15 days of payment due date. Payments can be made at any Fidelity Bank location. You can continue to use your current coupon book for payments for the life of your existing loan. > When will I receive my statement? All First National Bank of Byers checking and savings accounts will have a statement prepared on the night of April 25. For most customers this will be a partial month’s statement. After conversion, your next statement date will be as close to your current statement date as possible. Due to partial statements and our desire to make sure you are in the best account possible, we will waive all accounts’ service charges for 3 statement cycles. Beginning with your fourth statement cycle, standard service charging will occur.

Get a $ 100 GAS CARD when you move your car loan from another bank or credit union

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