1 Personal Banking Welcome to Provident Bank! We re teaming up to offer you more.
2 Count on great personal service, important new opportunities, and an expanded team by your side. When your Team Capital Bank branches become Provident Bank branches on Tuesday, September 2, 2014, the signs will change but the friendly service inside will feel reassuringly familiar. That s because banking at Provident is all about relationships, just like it is at Team Capital. As we work together to bring you all the strengths of our combined team, we ll also preserve the relationships you value, along with other key advantages, such as local loan decisions, that have made Team Capital such a great place to bank. In this booklet, you ll learn about all the steps we re taking to make your transition a smooth one. And you ll see some exciting new possibilities, too! Like new checking opportunities with innovative ways to reward you for banking with us, plus expanded online capabilities. We ll also provide new wealth management services to help you enhance and preserve your assets. But most important of all, you ll still be a customer of a local community bank that makes personal service a top priority just as Provident has been doing for 175 years. Except now, you ll find more convenience, more choices, and more room to grow. We appreciate this opportunity to serve you, and we ll work our hardest to make you a satisfied customer of Provident Bank.
3 Checking Accounts 4 Money Market, Savings, CDs and IRAs 10 Investing and Wealth Management Services 14 Mortgage and Home Equity Loans 16 Banking Convenience 18 Online and Mobile Telephone Branches Transition notes Your Team Capital Bank deposit and loan accounts will transition to Provident on Tuesday, September 2, While we make the transition to Provident, Team Capital branches will close at 3:00 p.m. on Friday, August 29, 2014 and remain closed throughout Labor Day weekend. They will reopen as Provident branches on Tuesday, September 2, 2014 with the same hours of operation. Also beginning September 2nd, you can use any branch of Provident s network. (See page 19 for details.) Your account number(s) will remain unchanged, and you can continue to use the same checks and banking materials that you currently have, unless we ve notified you otherwise. If you have accounts at both banks, please see the important information on page 2 of the enclosed Disclosure Handbook for Personal and Business Deposit Accounts regarding FDIC deposit insurance coverage, and visit your local branch if you have questions. Except as noted, account terms and conditions described in this booklet and the Disclosure Handbook take effect on September 2,
4 CHECKING ACCOUNTS We ll automatically switch you to a checking account that fits your needs, or help you find an even better one. To simplify the transition, each of your Team Capital checking accounts will automatically become the Provident checking account that we believe is most suitable for you. (See the reverse side of the enclosed letter for details.) But we want you to have the checking account you prefer. So please take a moment to review the features of your new account as described on the next few pages, and compare your account with other Provident checking alternatives. (See page 6 for an overview.) 4 If you prefer a different account, simply complete and return the Checking Account Preference Form at the bottom of the enclosed letter, or visit your local Team Capital branch, and we ll make sure you get the checking account you like best at Provident.
5 Transition notes Transactions Continue to use your existing checks and account number (unless we ve notified you otherwise). We ll send you new Provident-branded checks with your next check order. Direct deposits and automatic transfers will continue without interruption. You ll receive a new Provident Debit MasterCard to replace your current debit card. Be sure to reauthorize any automatic payments by providing your new card number and expiration date to your payees. To give you plenty of time to adjust your account choices or banking habits, no ATM fees or account qualification requirements will apply during your first four $mart, Ca$h Back or MyTunes Checking statement periods. Statements A final account statement from Team Capital will be produced as of the close of business on Friday, August 29, Monthly service fees, if any, will not be charged unless you normally receive monthend statements. Look for Provident statements to begin in September. Multiple accounts will be combined on statements as they are now. Going forward, check images from your previous Team Capital electronic statements will be available at Provident upon request. To avoid potential fees for paper statements, be sure to enroll in estatements through ProvidentConnect Online Banking. Interest Several Provident checking accounts feature tiered interest rates. Call our Customer Contact Center at PROV (7768) for current tiers and APYs. Interest on interest-bearing checking accounts is compounded daily, credited on the last business day of the statement period, and available the first business day of the next statement period. All rates are variable and may change at any time at our discretion. For non-cash deposits, interest begins to accrue on the day of deposit or next business day. Related Services If you currently have overdraft protection on your checking account by means of a line of credit, automatic transfer or Overdraft Privilege, that service will continue without change. Note that you will begin to receive separate statements for your Overdraft Line of Credit. Receive a 0.25% rate reduction on new fixed-rate home equity and auto loans (excluding passbook loans, overdraft checking and home equity lines of credit) when the payments are automatically deducted from your Provident checking account. 5
6 NEW CHECKING CHOICES It s easy to find a checking account that rewards you for banking at Provident. When it comes to financial needs and preferences, no two people are alike. That s why we re pleased to offer you an innovative checking account lineup where you get to choose the rewards you want. Provident Free $mart Checking SM : If you thought free checking was a great idea, you re going to love Provident Free $mart Checking. We pumped it up with great rates, domestic ATM fee refunds, lots of rewards and kept it all FREE when simple qualification requirements are met. Provident Free Ca$h Back Checking: Free checking that pays you back. Just meet some simple qualification requirements to earn cash back on the total amount of your eligible signature-based pointof-sale transactions, with no limits on the amount of cash you can earn. Domestic ATM fee refunds too! Provident MyTunes Checking: Free checking that rewards you with music, apps, books, movies and more. Just meet some simple qualification requirements, and you ll earn free itunes or Amazon downloads along with up to $10 in ATM surcharge refunds each qualification period. Provident Platinum Checking SM : Let your combined deposit and loan balances of $10,000 or more eliminate monthly charges so you can earn special privileges like tiered interest on checking, bonus interest on CDs and no domestic ATM fees or surcharges. Provident Basic Checking: If you write six or fewer checks each month and want free debit card access, this simple, dependable free account may be just what you re looking for. Age 50 Plus Checking: You ve reached the stage of life where you deserve free checking with unlimited check-writing, discounts on consumer loans and more. 6
7 All Provident personal checking accounts feature: Free ProvidentConnect Online Banking with Bill Payment Free Provident Debit MasterCard Free estatements Free Mobile Banking with Mobile Check Deposit* Optional auto-transfers from a linked account to help avoid overdrafts *Mobile data charges may apply. 7
8 CHECKING ACCOUNT CHANGES IF YOUR TEAM CAPITAL ACCOUNT IS Team Capital Connect Checking YOUR NEW PROVIDENT ACCOUNT WILL BE Provident Platinum Checking SM Platinum Checking Provident Free $mart Checking SM Interest Checking Essential Checking (Formerly Totally Free Checking) Provident Free Ca$h Back Checking Estate Interest Bearing Checking Estate Checking with Interest Estate Non-Interest Bearing Checking Estate Checking 8
9 WITH THESE KEY FEATURES AND BENEFITS 1 : Maintain a combined average balance of $10,000 in your linked checking, savings, CD, IRA, consumer mortgage, home equity, or personal loan to avoid a $25 monthly maintenance fee in this relationship account All domestic ATM fees waived Tiered interest rates on balances of $50 or more, with higher rates for higher balances Earn 0.25% bonus rate on CDs and IRA CDs Earn 1.51% 2 APY and receive domestic ATM refunds 3 when you meet the following account qualification requirements 4 during a statement period: Conduct ten (10) signature-based point-of-sale purchases with your Provident Debit MasterCard Have one (1) direct deposit or one (1) automatic debit posted to your account Establish and maintain a FREE ProvidentConnect Online Banking relationship Elect to receive your periodic account statement electronically via ProvidentConnect Online Banking 5 No monthly service fees or minimum balance requirements Earn unlimited cash back on your eligible Provident Debit MasterCard purchases and receive domestic ATM refunds 3 when you meet the following account qualification requirements 4 during a statement period: Conduct ten (10) signature-based point-of-sale purchases with your Provident Debit MasterCard Have one (1) direct deposit or one (1) automatic debit posted to your account Establish and maintain a FREE ProvidentConnect Online Banking relationship Elect to receive your periodic account statement electronically via ProvidentConnect Online Banking 5 No monthly service fees or minimum balance requirements Maintain a minimum balance of $1,000 to avoid a $10 monthly minimum balance penalty fee No monthly service fees or minimum balance requirements 9
10 MONEY MARKET, SAVINGS, CDs AND IRAs Provident offers great opportunities to help your money grow with the safety and peace of mind of FDIC insurance. Whether you re looking for access, consistent returns or higher yields for higher balances, you ll find a range of solutions at Provident. Provident Platinum MoneyManager SM Available to Provident Platinum Checking account customers, Provident s Platinum MoneyManager account is a great incentive to save, because it features our best rates in four separate balance tiers to reward your growing balances. Shift your idle balances to this account whenever you want, and maximize your earnings. 10
11 Savings Competitive rates, easy transfers to and from checking, plus the convenience of a monthly statement. Ask about our Holiday Club and Young Savers accounts. Make Provident savings accounts the cornerstone of your savings plan. Certificates of Deposit Lock in competitive rates, with select terms from 91 days to 5 years. Individual Retirement Accounts In addition to Traditional, Roth and Rollover IRAs, you will also find sophisticated IRA investment solutions available through Provident. (See page 14 for details.) Transition notes You ll keep your current account numbers (unless we ve notified you otherwise), and your direct deposits and automatic transfers will continue without interruption. Interest on money market and savings accounts is compounded daily, credited on the last business day of the statement period, and available the first business day of the following statement period. Several Provident money market/ savings accounts feature tiered interest rates. Call our Customer Contact Center at PROV (7768) for current tiers and APYs. All rates are variable and may change at any time at our discretion. For non-cash deposits, interest begins to accrue on the day of deposit or next business day. Overdraft protection from savings accounts will continue and there will be a transfer fee of $5 per transfer. The savings account remains subject to transaction limitations. Note: Transfer fees and transaction limitations do not apply to the Provident Platinum MoneyManager account. 11
12 MONEY MARKET, SAVINGS AND CD/IRA CHANGES IF YOUR TEAM CAPITAL ACCOUNT IS YOUR NEW PROVIDENT ACCOUNT WILL BE Personal Money Market Money Market Estate Money Market Premier Money Market Team Capital Connect Money Market Provident Platinum MoneyManager SM Statement Savings Statement Savings CDs and IRA CDs IRA Statement Savings CDs and IRA CDs IRA Statement Savings 12
13 WITH THESE KEY FEATURES AND BENEFITS 1 : Maintain a minimum balance of $1,000 to avoid a $10 monthly minimum balance penalty fee Earn higher interest on higher balances with this tiered rate account An excess transaction fee of $15 will be charged when preauthorized transactions exceed six per statement period Write up to three checks per monthly statement period; minimum check amount is $500; an excess check fee of $10 (per check) will be charged when more than three checks are issued in a statement period Earn tiered interest when average daily balance is $5,000 or more, with higher rates for higher balances; rates/apys are not based on any established rate index A Platinum Checking account is required to be eligible for this account; however, converted Team Capital Premier Money Market and Connect Money Market accounts are not required to maintain a linked Provident Platinum Checking account All domestic ATM fees waived if balance requirement is met Unlimited balance transfers to checking to cover checking overdrafts Maintain a minimum balance of $250 to avoid a $3 monthly minimum balance penalty fee Earn interest on balances of $50 or more An excess transaction fee of $15 will be charged when preauthorized transactions exceed six per statement period No change to the rate, term or maturity date of your CDs and IRA CDs At the first renewal on or after September 2, 2014, your CD will automatically renew at the same or closest available term offered (note that Team Capital 48-month CDs will become 36-month CDs at maturity) IRA Statement Savings accounts receive an annual statement, or a monthly statement when combined with a checking or savings account statement 13
14 INVESTING AND WEALTH MANAGEMENT SERVICES Solutions, services and guidance to help you make the most of your assets. Investment Services and Retirement Planning* You ll find a full array of investment products and services available to you at Provident. Experienced Personal Financial Advisors and administrators can help you with: Tax-Deferred Annuities Personal Retirement Planning Mutual Funds Self-Directed IRAs Unit Investment Trusts Long-Term Care Insurance Brokerage Services Life Insurance Planning To learn more about these services, contact an Investment Services representative at * Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: Not FDIC/NCUSIF insured May lose value Not financial institution guaranteed Not a deposit Not insured by any federal government agency. Advisory services may only be offered by Investment Adviser Representatives.
15 Wealth Management Services Beacon Trust, a wholly owned subsidiary of Provident Bank, is a full service wealth management firm that provides a comprehensive suite of financial services* designed for flexibility and solid investment performance. The skilled advisors at Beacon Trust are committed to helping you protect and expand your assets through every phase of your financial journey. Expect proactive communication, customized planning and careful attention by a team of advisors who are on hand to give you the guidance and peace of mind you deserve. We will also work closely with your attorney, tax advisor or other investment professional to create an integrated team to serve you. Trust and Estate Administration: Whether you recently acquired wealth or spent a lifetime accumulating it, we can help you grow and protect your assets and ultimately transfer them to others, according to your wishes. Rely on our wide-ranging experience in trust and estate administration, custodial services, and charitable giving. Investment Management and Financial Planning: Taking into account your current circumstances and future aspirations, we can design a sophisticated investment plan based on standard equity and asset allocation models tailored to your risk tolerance and goals. Private Banking and Family Office: Our specialized Private Banking services can meet your unique needs. We can assist in your day-to-day banking at Provident, and your Beacon Personal Wealth Advisors can address your shortterm cash flow requirements, as well as your long-term planning objectives. Customized credit and real estate lending opportunities are also available. Institutional Services: In helping companies and municipalities manage their assets, we use a customized approach to structure retirement accounts, profit sharing plans and other key investment services to meet changing needs and economic climates. To learn more about these services, contact a Beacon Personal Wealth Advisor at * Securities and Investment Products: NOT FDIC INSURED MAY GO DOWN IN VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY 15
16 MORTGAGE AND HOME EQUITY LOANS Buying or Refinancing As one of the leading mortgage lenders in our region, Provident offers a wide variety of financing choices and the expertise to guide you. You ll find conventional fixed-rate mortgage loans, a variety of adjustablerate mortgage loans (ARMs) and jumbo mortgage loans, along with special programs for first-time home buyers and low-to-moderate income borrowers. We can even pre-approve you, so you have the leverage of knowing what you can afford before making your offer. Apply online in the comfort of your home or with one of our mortgage loan specialists at Home Equity Borrowing Whether you prefer a fixed-rate loan or a variable-rate line of credit, Provident helps you safely tap the value stored in your home. We also offer special programs for low-to-moderate income borrowers. Transition notes Your Team Capital loan or line of credit will transfer to Provident on September 2, 2014, with no changes to account number, terms or conditions. Beginning in September you will start receiving monthly loan statements for your residential mortgage and/or home equity loans, including the current amount due and detailed transaction activity, along with a coupon and return envelope to remit your payment. You can request to receive this statement electronically via ProvidentConnect Online Banking by calling our Customer Contact Center at PROV (7768). After September 2nd, please use this new payment address for mailed payments: The Provident Bank, P.O. Box 617, Newark, NJ If you are an Online Banking user, you can make payments via ProvidentConnect Online Banking and Bill Payment services. 16
17 Your automatic loan payment arrangements will continue uninterrupted, and no action on your part is required. Details of the transfer will appear on your coupon and your transaction will be credited on the due date. Beginning September 2nd, you can consolidate your loan and deposit account information by calling our Customer Contact Center at PROV (7768) and requesting to have a summary of your consumer loan appear on your monthly deposit account statement. 17
18 BANKING CONVENIENCE New online and telephone banking opportunities! Online Banking at ProvidentNJ.com Online Banking and Bill Pay services through ProvidentConnect are simple, secure, easy to use, and free. Plus, we have mobile banking and mobile check deposit to make your banking even more convenient. If you currently use online banking services at Team Capital, our goal is to make your transition easy. 24/7 Customer Contact Center: Call PROV (7768) Call any time of the day or night and use our Telephone Banking service to access your checking, savings, CD and loan accounts. You can check account balances, confirm deposits and checks paid, transfer funds, and much more. The first time you call after September 2nd, you ll select a 4-digit PIN. Then, this PIN and your Social Security Number will give you secure access to your account information, day or night. If you need personal assistance, representatives are available to help you Monday through Friday, 8 a.m. to 7 p.m. and Saturday, 9 a.m. to 2 p.m. Transition notes 18 Your current online banking payees will be transferred to Provident automatically no need to re-enter this information. Any recurring payments you have arranged online will continue without interruption. Note that online services will be unavailable over Labor Day weekend as we make the transition to Provident. We will send you a separate letter with all the details you ll need to know about the transition of your online services. External transfers conducted using ProvidentConnect Online Banking have a daily limit of $2,000 from each of your accounts. This daily limit is applicable to transfers from any of your converted accounts to an account at another financial institution conducted Monday through Friday. Any transfers requested on Saturday, Sunday or a Federal holiday will be added to transfer requests made on the following business day. Note: This transaction limitation does not affect transfers to or between your Provident accounts.
19 Susquehanna Wayne ing Lackawanna Pike Team Capital Bank Provident Bank rne Sussex Monroe Warren Carbon Morris Northhampton Lehigh Hunterdon Somerset Berks Bucks PA Middlesex Mercer Montgomery Philadelphia Chester Burlington Delaware NJ Gloucester Camden Salem Atlantic Cumberland Passaic Union Ocean Bergen Monmouth Hudson Essex More Branches and ATMs Your branch network will grow from 11 to 87 locations, including dozens of branches in central and northern New Jersey. Beginning September 2, 2014, you will be able to use any of these branches and ATMs for all transactions, so you ll enjoy convenient new banking opportunities close to where you live, work or travel in our region. Cape May Thanks for giving us this opportunity to serve you. As you can see, Provident has a lot to offer, and we can t wait to start adding new strengths to your expanded team. If you have questions about anything you ve read, or if you would like more information, please call or visit your local branch office. You can also call the Provident Customer Contact Center at PROV (7768), Monday through Friday, 8 a.m. to 7 p.m., and Saturday, 9 a.m. to 2 p.m. Or to learn more, visit our website at ProvidentNJ.com. We appreciate your business, and we look forward to bringing you a smooth transition to the new banking opportunities you ll find at Provident Bank. 19
20 1 For a complete summary of account features and possible fees associated with Provident personal accounts, see the appropriate Accounts and Service Fees section in the enclosed Disclosure Handbook. 2 An interest rate of 1.50% with an Annual Percentage Yield of 1.51% will be paid only for that portion of your daily balance that is $15,000 or less. An interest rate of 0.50% with an APY ranging from 1.11% to 1.51% will be paid only for that portion of your daily balance that is more than $15,000, but less than $25,000. An interest rate of 0.15% with an APY ranging from 0.15% to 1.11% will be paid only for that portion of your daily balance that is greater than $25,000. Should the actual daily balance of your account be more than $15,000, the actual APY earned will be the average of each applicable balance tier. APYs are variable and may change at our discretion any time after conversion. 3 Domestic ATM fees will be waived for the first four statement periods after conversion, even if account qualification requirements are not met. Thereafter, account qualification requirements must be met in order to receive ATM fee refunds and to earn the APYs disclosed. 4 Qualification requirements will be waived for the first four statement periods on converted accounts. 5 Monthly paper statement fee will be waived for the first four statement periods after conversion. Thereafter, if you have not elected to receive your periodic statements electronically, a $2 fee per statement will be assessed. Equal Opportunity Lender Equal Housing Lender Member FDIC 2014 The Provident Bank PRO220-BRO-PER
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ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING Information about Our Consumer Deposit Accounts/Disclosure on Account Terms This disclosure describes many important features and terms of our consumer
CONSUMER DEPOSIT ACCOUNT TERMS AND CONDITIONS WELCOME TO M&T A GUIDE TO THE TERMS OF YOUR PERSONAL DEPOSIT ACCOUNTS This section includes information about the names and features of your deposit accounts
Welcome to Welcome to the Skowhegan Savings Bank family! As you may have already heard, Skowhegan Savings has reached an agreement to purchase the following 5 Franklin County branches from Camden National
BestBank Business Account Disclosure The information described is accurate as of September 1, 2015. Member FDIC Disclosures Regarding Electronic Wholesale Credit Transactions Subject to Uniform Commercial
Integrity Bank Deposit s (Effective October 21, 2015 through October 27, 2015) Growth/Income CD Time Deposits Available for amounts up to $500,000 (Please see Footnote 1 for disclosure.) 7 days to 31 days
SUCCEED SUNRISE PHOTOS TAKEN BY REAL PEOPLE OF THEIR ACTUAL DAY ONES OF RETIREMENT. WHAT WILL YOURS LOOK LIKE? The Prudential SmartSolution IRA DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND An easy
The Commercial & Savings Bank September 15, 2011 Dear Premier Bank & Trust Customer: We are pleased to announce that the two Wooster Banking Centers of Premier Bank & Trust (PB&T) will become part of The
Personal & Products Services VISA Health Savings Account Online Banking Sterling Professional Checking Senior Checking Certificate of Deposit CDARS Program E-Statements Statement Savings Online Bill Pay
Fee Schedule: Personal Products & Services California Georgia Tennessee October 1, 2014 For use with Account Agreement and Disclosures An Important Message Effective October 1, 2015, we will make changes
This booklet was prepared for the customers of The Provident Bank who have accounts and services that will be transferred to OceanFirst Bank according to the information included in the accompanying booklet.
LPL FINANCIAL CASH MANAGEMENT SERVICES Cash and Banking Solutions to Manage Your Daily Finances LPL Financial offers a multitude of services to help you manage your long-term investments and day-to-day
Understanding Your Deposit Account Truth in Savings TRUST MEMBER FDIC TRUTH-IN-SAVINGS DISCLOSURE Important Account Opening Information. Federal law requires us to obtain sufficient information to verify
PLEASE REVIEW THIS BOOKLET FOR IMPORTANT ACCOUNT INFORMATION PRODUCT OVERVIEW DEPOSIT ACCOUNT AGREEMENT PRIVACY NOTICE HOW TO CONTACT US Welcome to Chase Thank you for opening your new account with Chase;