Everything you need to know as New Century Bank & Select Bank Merge

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1 Merger Handbook Everything you need to know as New Century Bank & Select Bank Merge

2 Table of Contents CUSTOMER LETTER... 3 KEY ITEMS TO NOTE KEY DATES PERSONAL ACCOUNTS AND SERVICES... 6 BUSINESS ACCOUNTS AND SERVICES CDs and IRAs DEBIT CARDS eservices AND TELEPHONE BANKING LOANS, LINES OF CREDIT AND CREDIT CARDS ONLINE CASH MANAGEMENT FDIC INSURANCE LOCATIONS S E L E C T B A N K & T R U S T

3 Dear Select Bank Customer, Last fall, Select Bank & Trust entered into a merger agreement with New Century Bank. This partnership, which is pending regulatory approval, will create a larger, stronger community bank with an expanded branch network and more resources to serve our customers and communities. Choosing a bank relationship is not an easy decision or one that is taken lightly, and we are honored by your choice to bank with us. We appreciate your business and look forward to providing you with financial solutions for many years to come. The merger will allow us to offer customers the resources of a larger financial institution while continuing to provide the one-on-one service you expect from a community bank. This Merger Handbook will walk you through all of the changes you can expect as a part of the merger as we plan to convert our banking system and our products to those offered by New Century Bank. As a part of the merger, New Century Bank is changing its name to Select Bank & Trust. Our goal is for the conversion to be complete on Monday, July 28. We have made every effort to convert your current account to a similar product. We encourage you to review this handbook carefully and save it as a reference. If you have any questions or concerns regarding your accounts or our upcoming conversion, please call your local branch. Thank you for choosing Select Bank & Trust. Throughout this transition and beyond, we look forward to serving you. Sincerely, William L. Hedgepeth II President & CEO New Century Bank Mark A. Holmes CEO Select Bank & Trust M E R G E R H A N D B O O K 3

4 KEY ITEMS TO NOTE Important Dates: July 21 July 28 Select Bank is converting to a new banking system. To minimize service disruptions, this conversion is taking place the weekend of Friday, July 25, and upon opening on Monday, July 28, we will be operating on a new system. Account Numbers All account number(s) will remain the same. Checking, Money Markets and Savings Accounts Changes Many of our checking, money market and savings accounts are changing. This Handbook and the accompanying Account Disclosures booklet detail all of the changes. Debit Cards Debit cardholders will receive a new Visa card(s). SelectBank.com The Select Bank web address will become SelectBank.com. Local Offices and the People Who Serve You Your local Select Bank office, the people who serve you, as well as the phone number you use to reach them will remain the same. Expanded Branch Network and Banking Hours As of July 28, you will be able to take advantage of an expanded branch network of 14 full-service offices. Our new hours of operation are: In-Lobby Monday Thursday: Friday: Drive-Thru Monday Thursday: Friday: 9:00 a.m. 5:00 p.m. 9:00 a.m. 6:00 p.m. 8:30 a.m. 5:30 p.m. 8:30 a.m. 6:00 p.m. All branches remain open during lunch hours. 4 S E L E C T B A N K & T R U S T

5 KEY DATES July July 21 July 25 July 25 at Noon July 28 at 12 Midnight July 28 at 6:00 a.m. July 28 New Debit Cards and PINs will be mailed. Last day to set up new payments in Online Bill Pay. Last day payments will be made from the current Online Bill Pay system. Current Online Banking, Bill Pay, Mobile Banking and Telephone Banking will be taken offline. Current MasterCard Debit Cards will be deactivated. New Visa Debit Cards may be activated by using the card via an ATM inquiry, ATM withdrawal or debit card purchase using your new PIN. All account changes detailed in this handbook will become effective. M E R G E R H A N D B O O K 5

6 PERSONAL ACCOUNTS AND SERVICES Learn more about your new personal checking, money market and/or savings account(s) by reviewing the following information which shows how your current account(s) will transition to the new Select Bank product line. If you wish to take advantage of another account, contact your local Select Bank office to make arrangements. CHECKING Current Account Account as of July 28, 2014 Absolutely Free Checking Absolutely Free Silver Silver Checking Easy Green Select Checking Interest Checking Investors Checking ebanking Easy Green Gold Banking All checking accounts can be opened with $100 and include these features at no charge: Online Banking Bill Pay Mobile Banking estatements Debit Card Primary account holder must be 18 years of age or older to receive a debit card. ebanking Checking This account covers all the basics, plus has no minimum balance requirement and no monthly maintenance fee. No minimum balance required No monthly maintenance fee 6 S E L E C T B A N K & T R U S T

7 Unlimited check writing No per item transaction fees No charge for two transactions at non-select Bank ATMs per statement cycle 1 1 Select Bank fees for non-select Bank ATM usage will be waived through December 31, 2014, and any applicable ATM owner fees will be refunded. Beginning January 1, 2015, ATM fees will be charged based on the Schedule of Fees found in the Account Disclosures booklet. $3.00 paper statement fee waived through December 31, Easy Green Easy Green checking will be grandfathered to the new system (including interest accrual). The purchase rewards program will conclude on July 25. Power Banking Checking Enjoy essential banking services while earning interest. Interest-bearing 1 Unlimited check writing No per item transaction fees No charge for four transactions at non-select Bank ATMs per statement cycle 2 1 Paid on ledger balance. 2 Select Bank fees for non-select Bank ATM usage will be waived through December 31, 2014, and any applicable ATM owner fees will be refunded. Beginning January 1, 2015, ATM fees will be charged based on the Schedule of Fees found in the Account Disclosures booklet. $10.00 monthly maintenance fee waived through December 31, Beginning January 1, 2015, to avoid the monthly maintenance fee of $10.00, you must maintain a $1,500 minimum daily balance or $3,000 average balance in this account. $3.00 paper statement fee waived through December 31, Gold Banking Checking Our premier interest-bearing checking account, Gold Banking is designed for customers who use a variety of products and services. Tiered interest rates based on account balance 1 Checks at no charge Unlimited check writing No per item transaction fees M E R G E R H A N D B O O K 7

8 Paper statements at no charge No charge for six transactions at non-select Bank ATMs per statement cycle 2 Small Safe Deposit Box at no charge or discount on a larger size % interest rate discount on any personal loan 4 1 Paid on ledger balance. 2 Select Bank fees for non-select Bank ATM usage will be waived through December 31, 2014, and any applicable ATM owner fees will be refunded. Beginning January 1, 2015, ATM fees will be charged based on the Schedule of Fees found in the Account Disclosures booklet. 3 Safe deposit box rental based on availability. 4 $20.00 monthly maintenance fee waived through December 31, Beginning January 1, 2015, to avoid the monthly maintenance fee of $20.00, you need to maintain a $2,500 minimum daily balance, $5,000 average balance or $10,000 average combined balance in checking, savings, and/or money market accounts. SAVINGS AND MONEY MARKETS Current Account Account as of July 28, 2014 Select Savings Extreme Savings Power Savings Christmas Club Young Savers Minor Savings Health Savings Account Health Savings Account Money Market Money Market All savings accounts include these features at no charge: Online Banking Bill Pay Mobile Banking estatements ATM Card All regular monthly maintenance fees, including $3.00 paper statement fee, waived through December 31, To receive a debit card, primary account holder must be 18 years of age or older. Bill Pay available for certain savings accounts. 8 S E L E C T B A N K & T R U S T

9 Power Savings Earn interest on your daily collected balance with the flexible Power Savings account. Opening deposit of $100 Tiered interest rates based on account balance Interest compounded daily and credited to your account monthly Two withdrawals per month ($4 fee for each additional withdrawal) $5 monthly maintenance fee waived through December 31, Beginning January 1, 2015, to avoid the monthly maintenance fee, maintain a minimum daily balance of $100. Minor Savings Our Minor Savings Account with no minimum balance requirement and no monthly maintenance fee is designed to help children and teens learn good saving habits. Opening deposit of $25 Two withdrawals per month allowed ($4 fee for each additional withdrawal) Health Savings Accounts All Health Savings Account customers will receive a new HSA Visa card via mail the week of July 21 which can be activated by using the card via an ATM inquiry or debit card purchase using your new PIN. There are no additional changes affecting your Health Savings Account. Money Market Our Money Market Account allows you to earn competitive, tiered interest rates based on your daily collected balance. Opening deposit of $1,000 Interest compounded daily and credited to your account monthly Checks at no charge Allows six withdrawals per statement cycle ($4 fee for each additional withdrawal; above six there is a $10 per item charge) M E R G E R H A N D B O O K 9

10 $15 monthly maintenance fee waived through December 31, Beginning January 1, 2015, to avoid the monthly maintenance fee, maintain a minimum daily balance of $1,000 or $2,500 average balance. $3.00 paper statement fee waived through December 31, Personal Deposit Accounts Questions & Answers Following the July 28 banking system transition, will there be different fees associated with my account? A new Schedule of Fees can be found in the accompanying Account Disclosures booklet. The following fees will be waived through December 31, 2014: All regular monthly maintenance fees on deposit accounts (checking, savings, and money markets). Paper statement fees. The Select Bank fee for use of a non-select Bank ATM (any applicable ATM owner fees will be refunded). This gives you time to get acquainted with how your new account works and to determine if it s the right one for you. Additionally, fees for safe deposit boxes will remain the same through December 31, Beginning January 1, 2015, Select Bank accounts will follow the Schedule of Fees outlined in the Account Disclosures booklet. Will my account number change? No, all deposit account numbers will remain the same. Will I need new checks and deposit slips? You may continue to use your existing checks and deposit slips until they run out. If you order checks and deposit slips from a third party, be sure to provide to them your account number and the new Select Bank & Trust routing and transit number Will my overdraft line of credit linked to my checking and/or money market account change? Your current credit line will remain the same. Going forward, it will be referred to as SelectLine. 10 S E L E C T B A N K & T R U S T

11 What do I need to do to make sure my direct deposits and automatic drafts continue to process? Direct deposits and automatic drafts will continue without interruption. If you have automatic transfers between your bank accounts, these transfers will continue. If your loan payment is drafted from a Select Bank deposit account, it also will continue. Will the statement date for my accounts change? All accounts will receive a statement as of July 25, New statements will begin on July 26 and will be sent according to this schedule: Account Personal Checking Accounts Savings Money Market Accounts Statement Date 14th of each month Last day of each quarter (March, June, September and December) 24th of each month Will the interest rates I am earning on my accounts change? The interest rates you are earning on your checking, savings, and money market deposit accounts will continue to be subject to change due to market conditions. The current annual percentage yield (APY) earned on your accounts will continue to be printed on your statements. M E R G E R H A N D B O O K 11

12 BUSINESS ACCOUNTS AND SERVICES Learn more about your new business checking and money market account(s) by reviewing the following information which shows how your current account(s) will transition to the new Select Bank product line. If you wish to take advantage of another account, contact your local Select Bank office to make arrangements. Current Account Account as of July 28, 2014 Absolutely Free Business Checking Not-for-Profit Checking & Non-Profit Checking Business Interest Checking Business Analysis Checking Interest On Lawyers Trust Account Small Business Banking Business Class Banking with Interest Business Analysis Interest On Lawyers Trust Account All Select Bank business checking accounts can be opened with $100 and include these features at no charge: Online Banking Bill Pay estatements Debit Card Small Business Banking This account covers all the basics and is ideal for a business with a small number of transactions. Up to 150 total items processed per statement cycle at no charge No monthly maintenance fee No minimum balance requirement Per item charge for each check, deposit, or item deposited over 150 per statement cycle is $0.35. $5 paper statement fee waived through December 31, S E L E C T B A N K & T R U S T

13 Business Class Banking This low-cost account combines all of the basics with a few extra services designed to make business banking a breeze. Up to 500 total items processed per statement cycle at no charge 20% discount on Remote Deposit Capture equipment Starter check kit at no charge Merchant Card Services set up at no charge Per item charge for each check, deposit, or item deposited over 500 per statement cycle is $0.35. $10.00 monthly maintenance fee waived through December 31, Beginning January 1, 2015, to avoid the monthly maintenance fee of $10.00, you must maintain a $1,500 minimum daily balance or $3,000 average balance in this account. $5 paper statement fee waived through December 31, Business Class Banking with Interest Enjoy the benefits of Business Class Banking while earning interest. Interest-bearing 1 Up to 500 items processed per statement cycle at no charge 20% discount on Remote Deposit Capture equipment Starter check kit at no charge Merchant Card Services set up at no charge 1 Paid on ledger balance. Per item charge for each check, deposit, or item deposited over 500 per statement cycle is $0.35. $12.00 monthly maintenance fee waived through December 31, Beginning January 1, 2015, to avoid the monthly maintenance fee of $12.00, you must maintain a $3,000 minimum daily balance or $6,000 average balance in this account. $5 paper statement fee waived through December 31, M E R G E R H A N D B O O K 13

14 Business Analysis Ideal for businesses with a large number of transactions and a high account balance. Monthly maintenance fee can be reduced or offset by earnings credit Interest-bearing option available when you add Sweep Account feature Activity fees include: Electronic debit: $0.12; Paper debit: $0.20; Electronic credit: $0.12; Paper credit $0.20; Item deposited: $0.11; Assessment fee: $0.14/$1m ledger balance. Monthly maintenance fee of $16.00 and $5 paper statement fees waived through December 31, Interest on Lawyers Trust Account Available for attorneys and law firms, this interest-bearing account 1 forwards interest earned to the North Carolina State Bar where it is combined with other funds to support public interest projects. 1 Paid on ledger balance. $5 paper statement fee waived through December 31, MONEY MARKET Current Account Account as of July 28, 2014 Business Money Market Business Investment Account Business Savings Account Advantage Money Market Business Money Market All business money market accounts include these features at no charge: Online Banking estatements Bill Pay available for certain accounts. 14 S E L E C T B A N K & T R U S T

15 Business Money Market A Business Money Market account is a great fit for businesses looking for tiered interest rates based on account balance, and checks at no charge. Opening deposit of $1,000 Interest compounded daily and credited to your account monthly Checks at no charge Allows six preauthorized withdrawals per statement cycle (above six there is a $10 per item charge) $15 monthly maintenance fee waived through December 31, Beginning January 1, 2015, to avoid the monthly maintenance fee, maintain a minimum daily balance of $1,000 or $2,500 average balance. Excessive withdrawals may result in account being converted to a Small Business Banking checking account. $5 paper statement fee waived through December 31, Business Accounts Questions & Answers Following the July 28 banking system transition, will there be different fees associated with my account? A new Schedule of Fees can be found in the accompanying Account Disclosures booklet. The following fees will be waived through December 31, 2014: All regular monthly maintenance fees on deposit accounts (checking, savings, and money markets). Paper statement fees. The Select Bank fee for use of a non-select Bank ATM (any applicable ATM owner fees will be refunded). This gives you time to get acquainted with how your new account works and to determine if it s the right one for you. Additionally, fees for safe deposit boxes will remain the same through December 31, Beginning January 1, 2015, Select Bank accounts will follow the Schedule of Fees outlined in the Account Disclosures booklet. Will my account number change? No, all deposit account numbers will remain the same. M E R G E R H A N D B O O K 15

16 Will I need new checks and deposit slips? You may continue to use your existing checks and deposit slips until they run out. If you order checks and deposit slips from a third party, be sure to provide to them your account number and the new Select Bank & Trust routing and transit number Will my overdraft line of credit linked to my checking and/or money market account change? Your current credit line will remain the same. Going forward, it will be referred to as SelectLine Business. What do I need to do to make sure my direct deposits and automatic drafts continue to process? Direct deposit and automatic drafts will continue without interruption. We will send a Notification of Change to the originator of each draft/direct deposit issuer prompting them to change your routing and transit number to If you have automatic transfers between your bank accounts, these transfers will continue. If your loan payment is drafted from a Select Bank deposit account, it also will continue. Will the statement date for my accounts change? All accounts will receive a statement as of July 25, New statements will begin on July 26 and will be sent according to this schedule: Account Business Accounts Money Market Accounts Statement Date Last day of each month 24th of each month Will the interest rates I am earning on my accounts change? The interest rates you are earning on your checking, savings, and money market deposit accounts will continue to be subject to change due to market conditions. The current annual percentage yield (APY) earned on your accounts will continue to be printed on your statements. 16 S E L E C T B A N K & T R U S T

17 Will the target balance associated with my commercial analysis account change? Analysis account target balances will not change, however you may wish to increase or decrease the amount of your target balance based upon the new Business Schedule of Fees outlined in the Account Disclosures booklet. We encourage you to speak with your banker to discuss your company s specific needs. We look forward to working with you to establish the most cost-effective target balance, and address any questions you may have. How will wire transfers be affected? Effective at the opening of business on July 28, use the following information for incoming wire transfers: Receiving Bank: Select Bank & Trust ABA Routing Transit Number: Address of receiving bank: 700 W. Cumberland St., Dunn, N.C Swift Code receiving bank: PCBBUS66 (International wires only) Further Credit To: Your account name and number M E R G E R H A N D B O O K 17

18 CDs and IRAs CONSUMER AND COMMERCIAL CERTIFICATES OF DEPOSIT (CDS) The terms and conditions of your existing CD(s) will be honored through maturity. All Select Bank CDs are automatically renewable at maturity and at the same term as the original CD. You have ten calendar days after maturity to withdraw funds without penalty or to make changes. Interest is compounded daily and credited to your account monthly, unless you request a different payment method. If you withdraw principal from your CD prior to maturity, your account is subject to an interest penalty. A withdrawal will reduce earnings. INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) You will see virtually no change in your IRA(s). Your current interest rate and term will remain in effect. Interest on all IRAs is compounded daily and the interest earned is credited to your account quarterly unless you request a different payment method. All IRAs are automatically renewable with a 10-day grace period following maturity. 18 S E L E C T B A N K & T R U S T

19 DEBIT CARDS All current MasterCard Debit cardholders will be issued a new Visa Debit Card and PIN via mail. Debit cards are being mailed the week of July 21. If you have not received your new card by July 25, contact your local Select Bank office. Your new Debit Card(s) can be activated on/after 6:00 a.m. on Monday, July 28 by visiting any ATM for a balance inquiry or withdrawal; or making a debit card purchase using your new PIN. Your current MasterCard Debit Card will no longer work after 12 Midnight on Monday, July 28. Fees for non-select Bank ATM usage will continue to be waived through December 31, Any applicable ATM owner fees will be refunded. Debit Card Questions & Answers Will my Personal Identification Number (PIN) change? Yes, you will receive a new PIN by mail following the receipt of your new debit card. Are my debit card personal withdrawal and daily purchase limits changing? Beginning Monday, July 28, the ATM withdrawal limit will increase to $600. The daily purchase limit will increase to $1,500. M E R G E R H A N D B O O K 19

20 eservices & TELEPHONE BANKING Access to your current Online Banking system and Telephone Banking will continue through 12 Noon on July 25. All Online Banking (including Bill Pay and Mobile Banking) and Telephone Banking services will be offline between 12 Noon on July 25 through 6:00 a.m. on Monday, July 28. ONLINE BANKING, BILL PAY AND estatement LOG-IN CREDENTIALS Beginning July 28, you will access Online Banking via SelectBank.com. During your initial log-in, you will create new credentials allowing you to access Online Banking, Online Bill Pay, and estatements. The first time you log in on or after July 28 you will use the following credentials: User ID: Password: Your existing Online Banking user name (for example, if your Online Banking user name is currently bsmith then your user ID will be bsmith ) Last four digits of the primary account holder s Social Security Number or Tax Identification Number During your initial log-in, you will be prompted to change your password to an 8- to 20-character, alphanumeric combination of your choice. ONLINE BILL PAY Most of your Online Bill Pay information will transfer to the new system. Information that will transfer includes: your list of payees (including addresses and account numbers), your recent Bill Pay history, and all auto/reoccurring payments. All ebills and scheduled payments taking place after July 25 will need to be re-established in the new Online Bill Pay system on or after July 28. Key Online Banking and Online Bill Pay Dates: July 21: Last day to schedule payments in the current Online Bill Pay system. Any new payments scheduled between July 22-July 28 will not be processed. 20 S E L E C T B A N K & T R U S T

21 July 22-24: All previously scheduled payments will be processed as scheduled. However, no new payments entered during this time will be processed. July 25 at 12 Noon: The current Online Banking and Bill Pay systems will be offline. While we expect your Online Bill Pay payee list to transfer to the new system, as a backup you are encouraged to print any information you may need from the current system before it is taken offline (including any relevant addresses, account numbers, etc.) and you should also note all ebills and auto payments. After Noon on July 25, Select Bank will not be able to pull information from the current system. July 28: The new Online Banking and Online Bill Pay systems will be activated at SelectBank.com. estatements Beginning July 28, customers enrolled in estatement service will access their statement by logging in to Online Banking at SelectBank.com. We encourage you to print or save any statements you may need for your records prior to July 25. Beginning July 28, the new estatement system will store 18 months of history. MOBILE BANKING At Noon on July 25, Mobile Banking will become inactive. You may reenroll in these services beginning July 28 by following the instructions on SelectBank.com/Mobile-Banking. TELEPHONE BANKING Beginning July 28, you will access Telephone Banking via this number: Following the telephone prompts, you will enter your account number as well as the Social Security Number of the primary account holder. Enter your new PIN (must be at least four digits and no more than ten digits) followed by the # key. M E R G E R H A N D B O O K 21

22 eservices Questions & Answers Will I need to re-enroll for electronic services like Online Banking, Online Bill Pay, estatements, and Mobile Banking? You will not need to re-enroll in Online Banking, Online Bill Pay, and estatements. You will need to re-enroll in Mobile Banking. On Monday, July 28, smartphone users will be able to download a new Select Bank Mobile app from itunes and Google Play. When I log-in to Online Banking on July 28, will I see my recent transaction history? We will transfer the last six months of history. We also recommend that you save your statement history and print out copies of any statements or history you may need prior to 12 Noon on July 25. How is Online Bill Pay payment processing affected? July 21 is the last day to schedule new payments in the current Online Bill Pay system. All payments dated between July 21 and 24 will be processed as-scheduled. No payments will be made from the current Online Bill Pay system as of July 25. You can log in to the new Online Bill Pay system beginning Monday, July 28, and at that time you can schedule all future payments. All ebills will have to be re-established on/after July 28. Will previously established recurring payments continue after the upgrade? Yes, all previously established recurring payments will continue after the conversion to the new Bill Pay system. Will I need to set up my Online Bill Pay payees again? No, your list of payees will transfer to the new Online Bill Pay system. I have the Select Bank and Trust mobile app. Can I continue to use that? The current mobile banking app will be deactivated at 12 Noon on July 25. You will be able to download the new app on Monday, July S E L E C T B A N K & T R U S T

23 LOANS, LINES OF CREDIT, AND CREDIT CARDS Terms for your loan(s), line(s) of credit and credit card(s) will remain the same. The interest rate on fixed rate consumer loans will remain the same. If your loan payment is being automatically drafted, the draft will be continued with no break in your payment schedule. If you mail your loan payment after July 28, please address it to: Select Bank & Trust 700 W. Cumberland Street Dunn, NC OVERDRAFT PROTECTION Overdraft Protection will continue as SelectLine Overdraft Protection (formerly called Select Reserve and Select Reserve Plus). EQUITY LINES OF CREDIT Your loan number and payment due date will remain the same. Adjustable rate loans will adjust according to the original terms of your loan. CREDIT CARDS Consumer Select Bank credit card service will continue without any changes. A new card will be issued as a Preferred Customer card upon expiration of your existing card. You will continue to call the number on the reverse side of the card for customer service. Business Select Bank credit cardholders may continue to use your existing credit card. Your business card will be serviced by customer service at New cards will be issued in M E R G E R H A N D B O O K 23

24 Loans and Lines of Credit Questions & Answers Will my loan or line of credit account number(s) change? All loan and lines of credit account numbers will remain the same. Will the terms and conditions of my loans or lines of credit change? The terms and conditions of your loan(s) and lines of credit will remain the same unless you are otherwise notified. Can I continue to use my Home Equity Line of Credit checks? Yes, you can continue using your existing line of credit checks. 24 S E L E C T B A N K & T R U S T

25 ONLINE CASH MANAGEMENT If you use any Online Cash Management services including, but not limited to ACH, Wire Services, and Remote Deposit Capture, we will contact you to review these services and prepare you for the transition. Online Cash Management Questions & Answers I use Cash Management Services. How will those services be affected? All Cash Management customers will receive a separate information packet sent via certified mail with more details about those services. Will I need new Remote Deposit Capture equipment or software? Your scanner will stay the same, but there may be other hardware and software changes we will need to address. You will receive an equipment and software survey to determine how we can best meet your needs. Windows XP users will need to upgrade their operating systems to Micosoft VISTA, Windows 7, or Windows 8 prior to the conversion. Windows XP is no longer being supported by Microsoft. For your financial security, Online Cash Management services are only compatible with more recent operating systems. Who can I contact if I have questions? M E R G E R H A N D B O O K 25

26 FDIC INSURANCE FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and CDs. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. For more information or questions regarding coverage, visit deposits. Following the legal close of the merger which is anticipated to occur on July 28, deposits held at Select Bank will be separately insured from deposits at New Century Bank for at least six months. This grace period gives you the opportunity to restructure your accounts, if necessary, to maximize your FDIC insurance coverage. Certificates of Deposit (CDs) at Select Bank are separately insured until their earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month 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 six-month period. If a CD matures during the sixmonth grace period and is renewed on any other basis, it will be separately insured only until the end of the six-month grace period. 26 S E L E C T B A N K & T R U S T

27 LOCATIONS 40 Gibsonville Burlington Raleigh Lillington Dunn 95 Goldsboro Greenville Washington Elizabeth City Fayetteville Lumberton Clinton 40 Burlington 523 S. Worth St. (336) Clinton 111 Northeast Boulevard (910) Dunn CORPORATE HQ 700 W Cumberland Street (910) Elizabeth City 104 Nance Ct. (252) Fayetteville 2818 Raeford Road (910) Ramsey Street (910) Gibsonville 220 Burlington Street (336) Goldsboro 431 N. Spence Avenue (919) Greenville 3600 Charles Blvd. (252) East 10th St. (252) Lillington 818 McKinney Parkway (910) Lumberton 4400 Fayetteville Road (910) Raleigh 8470 Falls of Neuse Road Suite 100 (919) Washington 155 N. Market Street Suite 103 (252) Legacy Select Bank Location Legacy New Century Bank Location Corporate HQ M E R G E R H A N D B O O K 27

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