Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK

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1 Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK

2 TABLE OF CONTENTS Table of Contents... 2 Welcome Letter... 3 Deposit Accounts... 4 Personal Checking Personal Savings & Money Market Accounts...7 Business Accounts... 8 Interest on Checking, Savings & Money Market Accounts... 9 Certificates of Deposit... 9 Individual Retirement Accounts (IRAs)... 9 Debit Cards ATM Locations...11 Bank Statements, Electronic Statements...11 FDIC Insurance Overdraft Protection Services Online Banking Online Bill Pay Mobile Banking Telephone Banking Night Drop Services Bank by Mail Services Loan Accounts Credit Cards Safe Deposit Boxes Remote Deposit Transfer and Treasury Management Fee Schedule Contact Information, Locations & Hours Key Dates to Remember

3 Welcome to Farmers Bank & Trust! As you know on January, 16, 2015, Farmers Bank & Trust completed the merger with 1st Bank. We are honored to have you as our customer and want to make certain you receive the quality of service you have come to expect. For over 109 years, Farmers Bank & Trust has been committed to the local communities we serve. We take pride in offering great financial products, excelling in customer service and giving back through charitable efforts. Farmers Bank & Trust is financially strong, secure and remains focused on the growth and development of our communities. We welcome you to our Farmers Bank & Trust family. At the close of business on March 27, 2015, and continuing through the weekend, we will convert all 1st Bank accounts to the operating system of Farmers Bank & Trust. There is nothing you need to do at this time. On Monday, March 30, you may notice some differences about your accounts and the way you access them as outlined in this Conversion Guidebook. The Guidebook will provide you with details about the conversion, including important changes to deposit accounts and services that will take place, as well as key dates to remember. Please take some time to review this important and time-sensitive information, and keep it with you as a reference throughout the next few weeks. If you have any questions, contact your local branch office or call us toll free at We know you have a choice where you bank, and we appreciate your business! Bob L. Burns Chairman and CEO Farmers Bank & Trust 3

4 4 CONVERSION DETAILS AND IMPORTANT INFORMATION ABOUT CHANGES TO ACCOUNT TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK Our system conversion and changes to your account terms and services will take place beginning at 6 p.m. on Friday, March 27, 2015 through Sunday, March 29, During this time, there is nothing you need to do. On Monday, March 30, 2015, you may notice some differences in the way you access your accounts with us as outlined in this Conversion Guidebook. CHECKING, SAVINGS AND MONEY MARKET ACCOUNTS Your account number(s) will not change* on checking, savings and Money Market deposit account(s) as a result of this conversion. We will honor all outstanding 1st Bank checks, automatic debits, Point of Sale transactions (POS), automatic payments and/or preauthorized transactions provided you have sufficient available funds in your account at the time of presentment. We will also continue to accept credits and deposits by Automated Clearing House (ACH), Direct Deposit including Social Security, in-person, bank by mail, etc., as normal. A Notice of Change (NOC) will be sent electronically by Farmers Bank & Trust to Automated Clearing House (ACH) originators that initiate electronic debits or credits to/from your 1st Bank account. This NOC will advise the ACH originator to update the records with Farmers Bank & Trust s routing and transit. The new routing and transit number on your Farmers Bank & Trust account(s) will be This change will be effective at 6 p.m. on Friday, March 27, Please Note: To ensure there is no disruption to your draft/direct deposit service, you may want to contact your ACH originators to verify your new information is correct. Some originators will discontinue the automated transactions if they do not hear from you regarding the routing and transit number change. If you have any questions related to Direct Deposit or automated payments, please contact your local branch or call us at or toll free at You may continue to use your 1st Bank checks. When it is time to reorder, you will receive new checks with the Farmers Bank & Trust brand, and new routing and transit number from our check vendor, Deluxe. If you order checks from a source other than Deluxe, you will need to contact your check vendor and provide them with the Farmers Bank & Trust routing and transit number. In addition please use the Farmers Bank & Trust routing and transit number when sending or receiving wire transfers. *In the unlikely event that there is a duplication of account numbers on the Farmers Bank & Trust system, you will be notified of any changes to your account well in advance.

5 DEPOSIT ACCOUNTS Your 1st Bank checking, savings and money market account(s) will be converted to a Farmers Bank & Trust account with the system conversion on March 27, The fees, interest rates, and terms and conditions will change. Enclosed is a new Truth in Savings Account Disclosure which will explain the complete features and benefits of your new account type. Please review this documentation upon receipt and contact us if you have any questions. PERSONAL CHECKING ACCOUNTS IF YOUR 1ST BANK ACCOUNT WAS: 1st Checking 1st Choice Free Checking YOUR NEW FARMERS BANK & TRUST ACCOUNT WILL BE: Free Checking THE FEATURES OF YOUR NEW ACCOUNT ARE: No balance requirements No monthly service charge Unlimited transactions $700 overdraft limit 1st Rewards Checking First Club First Golden Club Basic 383 Club Family 383 Club Additional 383 1st Choice Checking True Rewards Checking Choice Checking Regular Checking No balance requirements No monthly service charge Unlimited transactions $700 overdraft limit Check imaging with EStatements Pays interest with qualifications $6 monthly maintenance fee No minimum balance requirements Unlimited transactions $700 overdraft limit EconoCheck Benefits to include Free Checks and reduced fee for Money Orders & Cashiers Checks $6 service charge if minimum daily balance <$500 Unlimited transactions Check imaging with statement (Personal Checking Accounts Continued on Page 6.) 5

6 DEPOSIT ACCOUNTS PERSONAL CHECKING ACCOUNTS (CONT D) IF YOUR 1ST BANK ACCOUNT WAS: YOUR NEW FARMERS BANK & TRUST ACCOUNT WILL BE: THE FEATURES OF YOUR NEW ACCOUNT ARE: 1st Choice + Checking Choice Checking with Interest $7 monthly maintenance charge No Minimum balance requirements Unlimited transactions $700 overdraft limit Check imaging with statement EconoCheck Benefits to include: Free Checks and reduced fee for Money Orders and Cashier s Checks First Gold Plus Interest Plus 1st Rate Checking Checking with Interest $10 service charge if minimum daily balance < $1,000 Unlimited transactions $700 overdraft limit Check imaging with statement Interest earned with no monthly fee Champion Checking 1st Infinity Checking Your account will remain the same Your Account features will remain the same. 6

7 DEPOSIT ACCOUNTS PERSONAL SAVINGS & MONEY MARKET ACCOUNTS IF YOUR 1ST BANK ACCOUNT WAS: YOUR NEW FARMERS BANK & TRUST ACCOUNT WILL BE: THE FEATURES OF YOUR NEW ACCOUNT ARE: 1st Choice Savings 1st Savers Club Statement Savings $5 service charge if daily balance is <$100 Earns interest $4 for each withdrawal over 6 1st Rate Savings Blue Chip Savings $13 service charge if daily balance is <$2,500 Tiered interest $7 for each withdrawal over 6 Christmas Club Christmas Club No minimum balance requirements Transactions limited 1st Select Money Market Money Market $10 service charge if daily balance is <$1,000 Tiered interest $700 overdraft limit 7

8 DEPOSIT ACCOUNTS BUSINESS ACCOUNTS IF YOUR 1ST BANK ACCOUNT WAS: YOUR NEW FARMERS BANK & TRUST ACCOUNT WILL BE: THE FEATURES OF YOUR NEW ACCOUNT ARE: 1st Choice Business Checking Business Free Checking No charge for first 325 items $.25 per item > 325 Check imaging with statements 1st Choice + Business Checking Commercial Checking $5 monthly maintenance fee Unlimited transactions Earnings credit on net funds at current Money Market Rate Checks written = Deposits-local = ACH debits = Interest Demand Non-Personal Interest Commercial Checking Business Checking with Interest $10 service charge if daily balance is <$1,000 No charge for first 325 items $.25 per item > 325 Earns interest Check imaging with statement 1st Choice Savings Commercial Statement Savings $5 service charge if balance is <$100 Earns interest $4 for each withdrawal over 6 1st Select Commercial Money Market Checking Business Money Market $15 service charge if daily balance is <$1,000 Tiered interest Limited transactions per Reg. D Check imaging with statement 8

9 DEPOSIT ACCOUNTS INTEREST ON CHECKING, SAVINGS & MONEY MARKET ACCOUNTS Interest accrued on your account(s) through 6 p.m. on March 27, 2015 will be paid by 1st Bank. Interest accruals will begin with Farmers Bank & Trust after 6 p.m. on March 27, Interest rates on checking (NOW) and Money Market accounts (MMDA) will be accrued and credited to your account on the last day of each statement cycle. Interest on savings accounts will be paid quarterly. Farmers Bank & Trust pays a variable interest rate on checking (NOW), savings, and Money Market accounts. The Annual Percentage Yield (APY) and interest rate are subject to change at any time. CERTIFICATES OF DEPOSIT Your account number on your Certificate of Deposit will not change as a result of this conversion.* A fixed interest rate will be paid per your stated current 1st Bank CD terms and conditions (including interest rate, maturity date, interest payment method, etc.). You will receive a maturity notice prior to your CD renewing, and you will have up to 10 days after the maturity date to either renew the existing CD at Farmers Bank & Trust s current stated rate or select another option. If you withdraw funds from your CD prior to maturity, you will be charged a penalty fee as follows: For terms of 366 days or less, the fee is 30 days interest For terms of 367 days or more, the fee is 90 days interest For current rates, please contact your local branch, or call us at or toll free at See the enclosed Truth in Savings Account Disclosure for additional details. INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) Your account number on your IRA will not change as a result of this conversion.* Your IRA account will continue to function and be accessible to you as normal. You may continue to make contributions/distributions on your account in accordance with IRS regulations and limits. The early withdrawal penalty fee on your IRA is 90 days interest. See the enclosed Truth in Savings Account Disclosure for additional details. *In the unlikely event that there is a duplication of account numbers on the Farmers Bank & Trust system, you will be notified of any changes to your account well in advance. 9

10 DEBIT CARDS DEBIT CARDS On March 30, 2015, your 1st Bank Debit Card will be deactivated and transactions will no longer be accepted. We recommend that you destroy your 1st Bank card at that time. You will receive a new Farmers Bank & Trust VISA Debit Card in the mail the week of March 23, Please keep this card in a secure place, and do not attempt to use it until it has been activated. Beginning at 6 p.m. on March 27, 2015, you may activate your Farmers Bank & Trust VISA Debit Card. Instructions for how you can activate your card will be included with your new card. The Farmers Bank & Trust VISA Debit Card comes with the following limits: Point of Sale (POS) Purchase Limit...$1,500 per day ATM Cash Withdrawals...$ 500 per day Combined Daily Limits (POS & ATM)... $2,000 per day Transactions conducted from 6 p.m. March 27, 2015 through March 29, 2015 using your new Farmers Bank & Trust VISA Debit Card will be approved based on the debit card limits noted above, and not the funds available in your associated account. On March 30, 2015, your debit card will be tied to your account, and transactions posted accordingly. This could result in an overdraft if your account balance is not sufficient to cover the transactions conducted. Please take note of your account balance on March 27, 2015, and use your bank debit card only for necessary transactions. Overdraft Lines of Credit will be included in your account available balance calculation and may be used to authorize transactions. If you have questions please contact your local branch, or call us at or toll free at Please Note: If your Debit Card has been lost or stolen, please contact the bank immediately. During Business Hours: Call After Hours: If your card is missing, be sure to have your name and card number or Social Security number available before you call and take note of any fraudulent activity. Lost or stolen card reporting is not available through NetTeller Online Banking. 10

11 ATM LOCATIONS & BANK STATEMENTS ATM LOCATIONS AND NETWORK After the initial activation, you may use your new Farmers Bank & Trust VISA Debit Card with no transaction fees at any Farmers Bank & Trust s 24 ATM locations. ATM locations are listed on our website, myfbtbank.com. Farmers Bank & Trust is a member of the SHAZAM ATM Network. SHAZAM offers a variety of innovative, cost-effective card services for you to choose. Each Farmers Bank & Trust account comes with the extra security provided by SHAZAM to catch possible fraudulent transactions. With the free SHAZAMBOLT$ service application, you can check your account balance 24/7 with your smartphone, tablet or home computer. SHAZAMBOLT$ also alerts you immediately to any purchase where your card is not present, such as Internet or telephone purchases, as well as potentially fraudulent activity. BANK STATEMENTS AND ELECTRONIC STATEMENTS (ESTATEMENTS) There will be no changes in your statement cycles. You will continue to receive your statements at the same time. All electronic statements (estatements) are produced on the cycle date specific to your account type each month and are available online the following business day. Your first estatement will be available upon receipt of the secure from Farmers Bank & Trust. The estatement will be included in the ; you will no longer have to click a link to view your statement. Be sure to have your NetTeller ID and PIN available. estatements are available through Farmers Bank & Trust NetTeller Online Banking. This feature is free and available to all customers. We provide 13 months of statement cycles. If you received electronic statements with your 1st Bank account, they will automatically continue at Farmers Bank & Trust. If you have not previously received electronic statements, but would like to enroll, click more info on the Electronic Statement Enroll box on the Farmers Bank & Trust home page at myfbtbank.com, and follow the instructions for enrollment. You can enroll for Farmers Bank & Trust estatements beginning at 9 a.m. on March 30,

12 FDIC INSURANCE, OVERDRAFT PROTECTION & ONLINE BANKING FDIC INSURANCE Farmers Bank & Trust and the former 1st Bank deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC). If you currently have deposit accounts at both banks, your deposits from 1st Bank will be separately insured by the FDIC for six months after the merger, which took place on January 16, 2015, to allow time to restructure your accounts if necessary. OVERDRAFT PROTECTION SERVICES If you have overdraft protection that transfers funds from a designated deposit account to cover overdrafts in another designated account, this service will continue. If you have overdraft protection at 1st Bank, you will have Overdraft Privilege at Farmers Bank & Trust. Your new limit will be $700. If you do not currently have overdraft protection with your 1st Bank account and you would like more information, contact your local branch, or call us at or toll free at This service will be available on Farmers Bank & Trust accounts beginning March 30, ONLINE BANKING Beginning on March 30, 2015, you can access NetTeller Online Banking when you visit the Farmers Bank & Trust website at myfbtbank.com. Your NetTeller ID and password will remain the same. If you are currently using an alias to access your account, that alias will remain the same.* If you are using a NetTeller 12 digit ID number, beginning March 30, 2015, after entry of your NetTeller ID you will be prompted to create an alias as your ID to access NetTeller. An alias must contain at least 6 characters/numbers. Your password will remain the same. You will also be prompted to answer security questions as part of the authentication process. If you encounter a problem, please contact your local branch or call us at or toll free at Until the conversion is complete certain information, such as balances on your account, may not be available for viewing. All NetTeller Online Banking information will be available by 9 a.m. on Monday, March 30, *In the unlikely event that there is a duplication of user IDs on the Farmers Bank & Trust system, you will be notified of any changes to your account well in advance. 12

13 ONLINE BILL PAY & MOBILE BANKING ONLINE BILL PAY You can access the online bill pay feature through Farmers Bank & Trust NetTeller Online Banking by simply clicking on the option for Online Bill Pay. Your payment history, recurring payments and payment categories will remain the same. If you are not enrolled in Online Bill Pay, you can enroll on the Farmers Bank & Trust Online Bill Pay system beginning at 9 a.m. on Monday, March 30, In preparing for the conversion, the last day to schedule a bill payment in the 1st Bank online banking system is prior to 6 p.m. on March 27, For payments scheduled for delivery during the conversion weekend, please check with your merchants to ensure payments are received. We apologize for any inconvenience. MOBILE BANKING Your 1st Bank mobile deposit banking service will be transferred to Farmers Bank & Trust. Mobile Banking will be unavailable for use from March 27 to March 30, Farmers Bank & Trust has three mobile applications FB&T Mobile, Clarity and FB&T Deposit that are available as free downloads in the itunes App Store for iphone and Google Play for Android. When you first access the system after the conversion, you will need to access your browser on your computer and log in to verify your identification. Once that is complete, you will be able to access banking services on your mobile device. To setup Clarity on your mobile device, you must begin by clicking the Clarity tab within NetTeller Online Banking. Next, you will need to download Clarity from itunes App Store or Google Play. Afterwards log into your online banking and click on the Settings icon on the navigation bar. Under the Mobile Devices tab, click on GENERATE ACCESS CODE. Open up Clarity on your device, tap on ENTER ACCESS CODE and enter in your 8 digit code. Tap on BEGIN USING THE APP once the app finishes preparing your session. An alert will be sent to you anytime a device is added or removed. To enroll in Mobile Deposit EZ, through the FB&T Deposit app, access our website at myfbtbank.com to complete an enrollment form and submit it online. If you have questions about Mobile Deposit EZ, contact your local branch, or call us at or toll free at

14 TELEPHONE BANKING, NIGHT DROP SERVICES, BANK BY MAIL & LOAN ACCOUNTS TELEPHONE BANKING Former 1st Bank customers that use telephone banking will automatically be set up on Farmers Bank & Trust Access24 Telephone Banking system. Your ID and PIN will remain the same. You may use Access24 Telephone Banking by calling , or toll free at hours a day. NIGHT DROP SERVICES Night Drop Services will continue uninterrupted. A bank representative will contact you about setting up a new contract with Farmers Bank & Trust. BANK BY MAIL SERVICES After 6 p.m. on March 27, 2015, customers using Bank by Mail services should begin mailing deposits to: Farmers Bank & Trust P.O. Box 250 Magnolia, AR LOAN ACCOUNTS There will be no changes to the interest rate or terms on your loan as a result of this conversion and your loan account number will not change.* You can continue to make payments at your local branch or online. If you wish to make your loan payment through an ACH or wire transfer, please use the Farmers Bank & Trust routing and transit number, which is You can continue to use your existing coupon book to make your payments. *In the unlikely event that there is a duplication of loan account numbers on the Farmers Bank & Trust system, you will be notified of any changes to your account well in advance. 14

15 CREDIT CARDS, SAFE DEPOSIT BOXES, REMOTE DEPOSIT CAPTURE & TREASURY MANAGEMENT CREDIT CARDS Farmers Bank & Trust offers VISA Credit Cards for both personal and business use. For more information or to apply for a Farmers Bank & Trust VISA Credit Card, please visit our website at myfbtbank.com. SAFE DEPOSIT BOXES Your safe deposit box rental fee will remain the same for You can continue to access your safe deposit box as usual during regular business hours. You can continue to either have your payment automatically deducted from your Farmers Bank & Trust account or you can make your payment manually. REMOTE DEPOSIT CAPTURE AND TREASURY MANAGEMENT If you currently use Remote Deposit Capture, Farmers Bank & Trust will be contacting you personally prior to March 27, 2015, to set up a time to provide information and training on our Remote Deposit Capture system. Until that time, your 1st Bank Remote Deposit Capture services will continue uninterrupted. In addition, Farmers Bank & Trust offers a variety of ways to help you manage your business. We understand that no two businesses are the same. That is why our customizable Treasury Management solutions are tailored to fit your unique business profile. Our experienced professionals will work closely with you to determine how our services can help increase the efficiency of your day-to-day operations. For additional information regarding Treasury Management Services, contact: Leigh Cheek, VP Treasury Management, at or call Leigh at

16 FEE SCHEDULE Below, you will find the Farmers Bank & Trust fee schedule. This fee schedule will be in effect for former 1st Bank customers beginning at 6 p.m. on March 27, DESCRIPTION FARMERS BANK & TRUST FEE Account Activity Print Out $3.00 Account Closing Fee $30.00 (within 60 days of opening) Account Balancing Assistance $20.00 Account Research $25.00 (per hour)/$2.00 (per page) ATM Foreign Transaction Fee $2.00 Cashier s Check CD ROM of Check images Check Cashing Check image printing Coin Counting $5.00 (per check) $5.00 (per CD) $10.00 (per check; non-customers) $1.00 (per page) 5% (non customers) Collection Item-Incoming/Outgoing $20.00 Copy of Statement with Check images $8.00 Copy of Statement without Check images $3.00 Deposit Bags - Locked $25.00 Deposit Bags - Replacement Key $7.00 Deposit Bags - Zippered $3.00 Dormant Account Fee $5.00 (per month) Fax- Incoming/Outgoing $2.00 Foreign Currency Order/Exchange $25.00 (per type/includes shipping) Garnishments $75.00 Levies $

17 FEE SCHEDULE (CONT D) DESCRIPTION FARMERS BANK & TRUST FEE Money Orders $5.00 Notary Service NSF Protection Transfer Fee Overdraft Items Photocopies Returned Items Returned Deposited Item-redeposited Returned Deposited Item - special handling Return Mail Safe Deposit Box - Drilling Fee $5.00 (non-customers) $3.00 (per transfer) $32.00 (per item) $3.00 (per copy) $32.00 (per item) $5.00 (per item/business) $8.00 $5.00 (per piece) Varies Safe Deposit Box - Key Replacement $10.00 Stop Payment Order $32.00 Tax Refund Cashing- Rapid Refund & US Treasury Telephone Transfer Temporary Checks - 3 per page Transfer/Inquiry with VISA Debit Card VISA Check Card Replacement $ checks up to $1,000/ 5% - checks over $1,000 (non-customers) $2.00 (per transfer) $1.00 (per page) $1.00 (per transfer/inquiry) $5.00 (per card) Wire Transfer - Incoming $10.00 Wire Transfer - Domestic $20.00 Wire Transfer - Foreign $40.00 Withdrawal with VISA Debit Card $2.00 (per withdrawal) 17

18 CONTACT INFORMATION, LOCATIONS & HOURS Phone Numbers: Main: (870) Toll Free: (855) Website Address: myfbtbank.com Locations & Hours of Operation: For a complete list of our bank locations, along with hours of operation, please visit our website at myfbtbank.com. Should you have questions about the conversion We hope this information has been helpful in guiding you through our upcoming system conversion. We look forward to having you as our customer and continuing to serve all of your financial needs. If you have any questions you may visit us at any of our branches, call us at or toll free at , or visit our website at myfbtbank.com. 18

19 KEY DATES TO REMEMBER WEEK OF MARCH 23 New Farmers Bank & Trust VISA Debit Card received in mail MARCH 27 6 p.m. - Deadline to schedule payments on the 1st Bank online banking system MARCH Conversion Weekend: All accounts convert to the Farmers Bank & Trust bank system MARCH 27 Begin to use new Farmers Bank & Trust routing and transit number to set up drafts, ACH, check orders and wire transfers 6 p.m. - 1st Bank online banking and bill pay services discontinued 6 p.m. - Begin to use your Farmers Bank & Trust VISA Debit Card MARCH 30 9 a.m. - 1st Bank Debit Card is deactivated; destroy 1st Bank card 9 a.m. - Begin to use Farmers Bank & Trust NetTeller Online Banking and Bill Pay Begin to use Farmers Bank & Trust telephone banking service, Access24 Log onto NetTeller on your computer to continue access to Mobile Banking 19

20 20 To Us, You re Family

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