3: Sign up for our free, easy-to-use, time-saving Online Banking service.

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1 Thank you for choosing First Community Bank. Enclosed you will find everything you need to switch your checking account from your current financial institution to First Community. After completing the simple steps outlined below, your switch will be complete! We are so glad you have chosen us for your financial relationship! 1: Open your checking account at one of our convenient locations in Cullman, AL or open your account online at your convenience at 2: Stop using your current bank account, but don t close it immediately. Please leave the account open until all direct deposits and automatic payments have successfully been switched to First Community. 3: Sign up for our free, easy-to-use, time-saving Online Banking service. 4: Change all your direct deposits using the template letters we have included in this packet. 5: Change your automatic payments to your First Community account using the templates included in this packet. 6: Close your current account. That is all there is to it! In no time, you have switched banks and begun a great new relationship with First Community. If we can be of any assistance during this transition, please do not hesitate to call us. Welcome! William R. Faulk President First Community

2 AUTOMATIC PAYMENT CHECKLIST Payment Company Account Number Amount Payment Date Mortgage/Rent Auto Loans Insurance Credit Cards Gas/Oil Electric Cable/TV Telephone Cell Phone Water Garbage Internet Health Club Investments IRA/Retirement Charities Daycare DIRECT DEPOSIT CHECKLIST Payment Company Account Number Amount Payment Date Payroll Pension/Retirement Social Security Investment Incomes

3 TRANSITION WORKSHEET This form will allow you to gather information that will help make a simple and smooth transition to First Community. First Community Information Address Main Office nd Ave SW Cullman, AL Phone FAX Routing Number Your New Account Numbers Checking Savings Money Market Debit Card

4 AUTOMATIC PAYMENT AUTHORIZATION FORM To: Date: This letter serves as authorization to change the account information for automatic payments in the name(s) of Account Number. The customer has changed accounts to First Community Cullman, and the current account number you are using will no longer be valid. Effective immediately, the new information is as follow: Bank Routing Number: New Account Number: If you have any questions regarding this change, or if this letter is NOT sufficient documentation to make this change, please contact at. I hereby authorize the change in my account as noted above. **Some vendors require a voided check or deposit slip with this type of request

5 AUTOMATIC DEPOSIT AUTHORIZATION FORM Type of Automatic Deposit: Employee Payroll Pension/Retirement Social Security Investment Income Other (specify) To: Date: This letter serves as authorization to change the account information for automatic deposits in the name(s) of Account Number. The customer has changed accounts to First Community Cullman, and the current account number you are using will no longer be valid. Effective immediately, the new information is as follow: Bank Routing Number: New Account Number: If you have any questions regarding this change, or if this letter is NOT sufficient documentation to make this change, please contact at. I hereby authorize the change in my account as noted above.

6 AUTHORIZATION TO CLOSE ACCOUNT To: Date: Please accept this letter as authorization to close the account(s) listed below and transfer the balance plus any accrued interest to First Community Cullman (routing number ) for deposit to the account of Account Number. If providing a check, please make the check payable to First Community Cullman for credit to the account number noted above. Immediately close and transfer the balances in the following accounts: Account # Checking Savings Money Market Account # Checking Savings Money Market Account # Checking Savings Money Market If you have any questions regarding this change, or if this letter is NOT sufficient documentation to make this change, please contact at. I hereby authorize the closing of this account(s) and transfer of funds.

7 CHANGE PAYROLL DIRECT DEPOSIT Date: Employer/Depositor s Name Address City, State, ZIP To Whom It May Concern: You are currently depositing My Entire Paycheck / Part of My Paycheck (circle one) to the following account: Financial Institution Name: Routing Number: _ Account Number: _ Effective, please stop making deposits to that account and instead send to: Financial Institution Name: First Community Cullman Routing Number: Account Number: If you have questions about this request, please contact me during the DAY / EVENING (circle one) at (phone number). Signature Other information Your Employer May Need (SSN, Employee ID#, Location, etc.): Name (please print)

8 Date: CHANGE AUTOMATIC WITHDRAWALS Name of Company that makes Withdrawal Address City, State, ZIP To Whom It May Concern: You are currently withdrawing $ (amount) for account # on the day of the month from the following account: Financial Institution Name: Routing Number: _ Account Number: _ Account Type: Effective, please stop making withdrawals from that account and instead debit: Financial Institution Name: First Community Cullman Routing Number: Account Number: If you have questions about this request, please contact me during the DAY / EVENING (circle one) at (phone number). Signature Name (please print) Address

9 Date: CHANGE AUTOMATIC PAYMENTS Name of Company that makes Payment Address City, State, ZIP To Whom It May Concern: You are currently crediting $ (amount) for account # on the day of the month from the following account: Financial Institution Name: Routing Number: _ Account Number: _ Account Type: Effective, please stop making payments to that account and instead credit to: Financial Institution Name: First Community Cullman Routing Number: Account Number: If you have questions about this request, please contact me during the DAY / EVENING (circle one) at (phone number). Signature Name (please print) Address **Some vendors require a voided check or deposit slip with this type of request

10 FREQUENTLY ASKED QUESTIONS Q. Who do I call if I have questions? A. If you have questions regarding your new account, switching your automatic payments or deposits to First Community or anything else that comes to mind, please call us at Q. What if my request to switch accounts is not accepted? A. On the authorization forms, your contacts have been asked to provide information on what they require for authorization. If they have questions you cannot answer, please contact us. Q. What is a direct deposit ACH Credit? A. Direct deposit is a quick, easy and secure method of receiving funds into your account. ACH stands for Automated Clearing House. For example, you can receive payroll, government benefits, income tax returns and investment dividends by direct deposit. Small business owners can also receive credit card settlements and accounts receivable payments. The funds are securely received and deposited electronically into your bank account. Q. When will my direct deposits start? A. It normally takes 2 to 3 cycles to start a new direct deposit. For example, your paycheck may not be direct deposited for 2 3 cycles, depending on how long it takes your employer to process the switch request. This typically applies for new and existing direct deposit requests, so you will need to keep your current account(s) open until you know your new First Community account is receiving your deposits. Q. How can I verify that my automatic payments and deposits are being made? A. First Community offers 24-hour customer service through our automated direct teller. With this free service you can access all your accounts, verify your balance and deposits, check the last six posted transactions, transfer funds and inquire about loan balances and payments. Access the direct teller at (256) In addition, First Community offers free online banking. This free service also allows you to access all your accounts, verify balances and deposits, view posted transactions, pay bills (with free online bill pay), transfer funds and much more. Q. Can I switch my small business account? A. You can switch your small business account using the same forms. As a small business owner, you ll need to remember to keep a sufficient amount of money in your current account until the entire process is complete and confirmed. We ll help make the small business account switch process as simple and convenient as possible.