Founded in 1941 to serve the citizens of San Antonio and the military community, Broadway Bank has grown from a small neighborhood bank into one of

Transcription

1 PERSONAL BANKING

2 Fouded i 1941 to serve the citizes of Sa Atoio ad the military commuity, Broadway Bak has grow from a small eighborhood bak ito oe of the strogest ad best capitalized idepedet baks i Texas. Today, Broadway Bak cotiues to operate as a family-owed fiacial istitutio, offerig a full rage of sophisticated fiacial services, icludig persoal bakig, private bakig, military bakig, busiess bakig ad wealth maagemet. With more tha $ billio i total assets, Broadway Bak is a highly rated bak operatig 9 locatios i Cetral ad South Cetral Texas.

3 checkig accouts A checkig accout fit for your lifestyle StarZig Checkig StarIterest Checkig StarCheckig StarRelatioship Checkig Stars&Stripes Checkig 1 Your beefits with select Broadway Bak checkig accouts iclude: Free Olie Bakig & Bill Pay estatemets Free Mobile Bakig2 with Mobile Check Deposit.25% Discout o Cosumer Loas4* Overdraft Lie of Credit4 Overdraft Trasfers Available 50% Discout o Safe Deposit Box Retal5* Cell Phoe Protectio6,9,10 ID Theft Protectio Beefits6,9,10 Idetity Moitorig6,9 $10,000 Travel Accidetal Death Isurace7,9,10 Roadside Assistace7,9 Shoppig, Diig & Travel Discouts 8,9 Grocery Coupos 9 Pharmacy, Visio & Hearig Savigs 9 broadwaybak.com Ope your ACCOUNT ONLINE TODAY! The Truth i Savigs Act requires disclosures to be available o all cosumer deposit accouts. Please iquire at ay Broadway Bak locatio for a separate Truth i Savigs Act disclosure. If uder 18 years of age, accout requires joit owership with paret or guardia. Miimum opeig deposit is $100. 1Stars&Stripes opeig deposit is $25. 2Carrier charges may apply. Available for qualified Broadway Bak customers. 4Subject to credit approval. Other restrictios may apply. 5Not available at all locatios. 6 Cell phoe protectio ad persoal idetity protectio are subject to additioal terms ad coditios. 7Service provided by third party. Beefits subject to additioal terms ad coditios. Full disclosure is available at ay Broadway Bak locatio or by callig Participatig merchats o BaZig are ot sposors of the program, are subject to chage without otice, may ot be available i all regios ad may choose to limit deals. All services ad beefits, icludig ay isurace coverage, i this program are provided by StrategyCorps (SC), uless otherwise idicated, i cojuctio with Member Headquarters Associatio (MHQ), which your fiacial istitutio sposors. This sposorship results i a associatio membership beig provided to each eligible customer ad ay co-ower of their accout. Ay part of this program may be modified or improved at ay time without prior writte otice. 9Beefits available for Starzig & StarRelatioship checkig accouts oly. 10Isurace products are: NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK. Ask for details. *Discout available o StarRelatioship ad Stars&Stripes checkig accouts. 2 Simple. Easy. Olie accout opeig.

4 persoal checkig accouts ad related services checkig accouts A checkig accout fit for your lifestyle StarZig Checkig StarIterest Checkig StarCheckig Beefits/Features StarRelatioship Checkig Stars&Stripes Checkig 1 StarRelatioship Checkig Stars&Stripes Checkig (Military)11 Four (4) Broadway Bak fees for use of other ower s ATMs refuded per statemet cycle.10 Te (10) Broadway Bak fees for use of other ower s ATMs refuded per statemet cycle.10 Up to $20 i other ATM ower s fees rebated per statemet cycle.10 Free Mobile Bakig1 with Mobile Check Deposit2 estatemets Overdraft Lie of Credit.25% Discout o Cosumer Loas Ears Iterest4 Ope your ACCOUNT ONLINE TODAY! The Truth i Savigs Act requires disclosures to be available o all cosumer deposit accouts. Please iquire at ay Broadway Bak locatio for a separate Truth i Savigs Act disclosure. If uder 18 years of age, accout requires joit owership with paret or guardia. Miimum opeig deposit is $100. 1Stars&Stripes opeig deposit is $25. 2Carrier charges may apply. Available for qualified Broadway Bak customers. 4Subject to credit approval. Other restrictios may apply. 5Not available at all locatios. 6 Cell phoe protectio ad persoal idetity protectio are subject to additioal terms ad coditios. 7Service provided by third party. Beefits subject to additioal terms ad coditios. Full disclosure is available at ay Broadway Bak locatio or by callig Participatig merchats o BaZig are ot sposors of the program, are subject to chage without otice, may ot be available i all regios ad may choose to limit deals. All services ad beefits, icludig ay isurace coverage, i this program are provided by StrategyCorps (SC), uless otherwise idicated, i cojuctio with Member Headquarters Associatio (MHQ), which your fiacial istitutio sposors. This sposorship results i a associatio membership beig provided to each eligible customer ad ay co-ower of their accout. Ay part of this program may be modified or improved at ay time without prior writte otice. 9Beefits available for Starzig & StarRelatioship checkig accouts oly. 10Isurace products are: NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK. Ask for details. *Discout available o StarRelatioship ad Stars&Stripes checkig accouts. 2 StarCheckig ad StarIterest Checkig ATM Fee Refuds Your beefits with select Broadway Bak checkig accouts iclude: Free Olie Bakig & Bill Pay estatemets Free Mobile Bakig2 with Mobile Check Deposit.25% Discout o Cosumer Loas4* Overdraft Lie of Credit4 Overdraft Trasfers Available 50% Discout o Safe Deposit Box Retal5* Cell Phoe Protectio6,9,10 ID Theft Protectio Beefits6,9,10 Idetity Moitorig6,9 $10,000 Travel Accidetal Death Isurace7,9,10 Roadside Assistace7,9 Shoppig, Diig & Travel Discouts 8,9 Grocery Coupos 9 Pharmacy, Visio & Hearig Savigs 9 Free Olie Bakig & Bill Pay StarZig Checkig StarIterest Checkig oly 50% Discout o Safe Deposit Box Retal5 Cell Phoe Protectio6* ID Theft Protectio Beefits6* Idetity Moitorig6 Roadside Assistace7 $10,000 Travel Accidetal Death Isurace Shoppig, Diig & Travel Discouts8 Grocery Coupos Pharmacy, Visio & Hearig Savigs 7* Mothly Maiteace Fee $0, usig buydows - $6 fee reduced by $1 for use of estatemets ad $.10 for each qualified debit card trasactio9. Ages 16-2 No mothly fee. If uder 18 years of age, accout requires joit owership with paret or guardia. $0, if requiremets are met or $2,000 miimum balace is maitaied, otherwise $10. To avoid mothly fee: have twety (20) Debit Card Trasactios9 ad Direct Deposit posted each Mothly Statemet Cycle, use Free Olie Bakig ad estatemets. $0, if combied persoal loas ad deposit balaces total at least $25,000 (excludes ufuded PersoalLies of Credit ad Overdraft Lies of Credit), otherwise $15. $0, if requiremets are met, otherwise $10. To avoid mothly fee: have Direct Deposit posted each Mothly Statemet Cycle, use Free Olie Bakig ad estatemets. If uder 18 years of age, accout requires joit owership with paret or guardia. Miimum opeig deposit is $100. The Truth i Savigs Act requires disclosures to be available o all cosumer deposit accouts. Please iquire at ay Broadway Bak locatio for a separate Truth i Savigs Act disclosure. 1Carrier charges may apply. 2Available for qualified Broadway Bak customers. Subject to credit approval. Other restrictios may apply. 4Ears iterest o daily collected balaces of $1,000 or greater. 5Not available at all locatios. 6Cell phoe protectio ad persoal idetity protectio are subject to additioal terms ad coditios. 7Service provided by third party. Beefits subject to additioal terms ad coditios. Full disclosure is available at ay Broadway Bak locatio or by callig Participatig merchats o BaZig are ot sposors of the program, are subject to chage without otice, may ot be available i all regios ad may choose to limit deals. All services ad beefits, icludig ay isurace coverage, i this program are provided by StrategyCorps, (SC), uless otherwise idicated, i cojuctio with Member Headquarters Associatio (MHQ), which your fiacial istitutio sposors. This sposorship results i a associatio membership beig provided to each eligible customer ad ay co-ower of their accout. Ay part of this program may be modified or improved at ay time without prior writte otice. 9ATM trasactios do ot qualify for reductio of fee. 10ATM ower fees still apply. 11A military customer is ay retired or active duty service member, Reserve/ Natioal Guard member, vetera, ROTC or Academy cadet, or depedet ad Departmet of Defese civilia ad cotract persoel.*isurace products are: NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK. Ask for details.

5 card services Visa Debit Make purchases at millios of places where Visa is accepted Safer tha cash report your lost or stole card promptly for limited liability Fuds are withdraw directly from your accout, so you ever have to pay iterest UrDesig Card persoalize your card with your image Image Card Library choose your card desig from our image optios Credit Cards 1 Visa Bous Rewards Card Visa Bous Rewards PLUS Card Visa Platium Card College Rewards Visa Card Visa Secured Card Cash Rewards America Express Card Travel Rewards America Express Card 1 Subject to credit approval. The creditor ad issuer of these Cards is Ela Fiacial Services, pursuat to separate liceses from Visa U.S.A. Ic. ad America Express. America Express is a federally registered service mark of America Express. 7

6 Idividual Retiremet Accouts (IRAs) 2, savigs SAVE TODAY for YOUR TOMORROW Whether your savigs goal is higher educatio or retiremet, Broadway Bak s rage of Traditioal ad Roth IRAs ca help you build substatial savigs for your future. Separately isured by the FDIC Tax advatages help you build your fuds Moey Market IRA Ears moey market rates based o market coditios Terms from 90 days to five years A miimum of $2,000 is required as a opeig deposit Broadway Bak Savigs Accout 1 Ear competitive rates with a Broadway Bak Savigs Accout. $25 miimum opeig deposit Iterest is compouded ad paid mothly o collected balaces Make four free withdrawals each statemet moth. Each additioal withdrawal just $21 No mothly maiteace fee with $200 miimum daily balace or for accout holders uder age 18 (otherwise just $) Moey Market Ivestmet Accout 1 With the Moey Market Accout s tiered rates, the more you save, the more you ear. $1,000 miimum opeig deposit Iterest is compouded ad paid mothly o collected balaces Up to six free withdrawals permitted each statemet moth. Each additioal withdrawal $51 Mothly maiteace fee of $10 waived with $2,000 miimum daily balace Certificates of Deposit (CDs) 2 Terms from 90 days to five years CD iterest is payable quarterly, aually or at maturity to a Broadway Bak accout or added to pricipal Miimum opeig deposit ad miimum daily balace to ear the disclosed APY is $1,000 Iterest rates ad aual percetage yields are based o competitive rates ad may chage at ay time. 1Certai trasfers from your Savigs ad Moey Market accouts are limited by Federal regulatios. See the Truth i Savigs disclosure for details o all deposit accouts. 2Substatial pealty for early withdrawal of all certificates. Iterest will ot be paid for ay fuds withdraw durig the grace period. IRS pealties for early withdrawal may apply. 4 Fixed-Rate IRA Lock i a fixed iterest rate with terms ragig from 12 moths to five years Miimum opeig deposit ad miimum daily balace to ear the disclosed APY is $1,000 Additioal deposits are accepted at maturity Variable-Rate IRA Ear a variable rate of iterest over a fixed term ragig from 18 moths to 2 moths (rates ca chage at ay time) Miimum opeig deposit ad miimum daily balace to ear the disclosed APY is $100 Additioal deposits are accepted

7 ivestmets Ivestmets1 Ivestmet Professioals Ic. (IPI )2 offers comprehesive fiacial plaig ad ivestmet services. IPI s Fiacial Cosultats ca help match your curret fiacial picture, ivestmet objectives ad tolerace for risk with appropriate ivestmet optios that may iclude: M utual Fuds Stocks ad Bods F ixed ad Variable Auities Isurace Products Optios 1 ivestmet products: NOT FDIC INSURED NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT BANK GUARANTEED MAY LOSE VALUE Securities ad Ivestmet Advisory Services are offered through Ivestmet Professioals Ic, member FINRA ad SIPC. IPI is ot affiliated with Broadway Bak, ad services offered by IPI are ot offered by Broadway Bak

8 Vehicle Loas For fiacig or refiacig your ew or used vehicle, you simply ca t outpace the value of a great-rate Broadway Bak vehicle loa. Get pre-approved before you buy for your best bargaiig power! We also have loas available for recreatioal vehicles, boats ad motorcycles. persoal loas Residetial Lot Loas Whatever your fiacial goal, it s persoal ad uiquely you. That s why Broadway Bak offers a variety of optios that suit your persoal fiacig eeds perfectly. Foud the perfect place to build your dream home? Let us help fiace the purchase of your lot. Quick loa decisios Flexible optios available Persoal Loas Quick decisios Auto debit discout available PersoaLie Iterim Costructio Loas Apply Olie. FAST. EASY. Flexible lies of credit Coveiet check access Home Equity Products Great for ay major project or expese, such as debt cosolidatio, home improvemet, educatio expeses, or whatever you have o your to-do list. Home Equity Lies of Credit Provides flexible access to cash Use for a variety of goals, from home improvemet to vacatio expeses The iterest you pay may be tax deductible please cosult your tax advisor Home Mortgage Loas To you, it s more tha a house it s home. So we kow how importat it is to provide just the right type of fiacig you eed to make you eve more comfortable i the place you call your ow. Fixed-rate loas Jumbo loas Cash out refiace Home Improvemet Loas Our great fiacig ca help improve the process of home improvemet! Quick decisios Flexible repaymet terms Iterest paid may be tax deductible please cosult your tax advisor Home Equity Loas Provides a lump sum of cash whe you eed it Use for a variety of purposes, such as debt cosolidatio or eve a car purchase The iterest you pay may be tax deductible please cosult your tax advisor Loas subject to credit approval. Terms ad coditios subject to chage without otice. Ledig area ad other restrictios apply. 8 If you pla to build your ew home, we ca help. Competitive rates Flexible programs Apply Olie! Visit broadwaybak.com for a fast ad easy way to apply for ay of our cosumer loas. Go to broadwaybak.com for curret loa rates. Loas subject to credit approval. Terms ad coditios subject to chage without otice. Ledig area ad other restrictios apply. 9

9 ATM Bakig coveiet services for bakig i the digital age Get the cash you eed at ay Broadway Bak ATM ad at thousads of other locatios throughout the Uited States. Check Reorder Express View check desigs ad reorder checks olie at broadwaybak.com ad olie bakig. Free Olie Bakig View your deposit accout balaces ad activity olie Trasfer fuds betwee your Broadway Bak accouts View ad prit caceled checks Dowload to Ituit s Quicke Receive statemets electroically (estatemets) Cotact Broadway Bak via secure messagig Receive toll-free techical support Free Olie Bill Pay Pay your bills olie with o limits Schedule secure oe-time or recurrig paymets Maage ad track the status of paymets Schedule remiders Receive e-bills from participatig merchats Mobile Bakig 1 Have 24-hour access to accouts from aywhere i the world Receive automatic alerts for accout balaces or specific trasactios Trasfer fuds betwee Broadway Bak checkig, savigs or moey market accouts (ca also make exteral trasfers) Skip that trip to a bak or ATM; simply sap a photo of your check usig our coveiet smart phoe app2 Pay by iphoe, ipad, ad Apple Watch Apple Pay TM 1 Carrier charges may apply. 2Available for qualified Broadway Bak customers.apple, the Apple logo, iphoe ad ipad are trademarks of Apple Ic., registered i the U.S. ad other coutries. Apple Pay is a trademark of Apple Ic. 10 Accout Access ad Maagemet Customer Service Ceter Our represetatives are stadig by to assist you with providig service ad hadlig your borrowig eeds, right over the phoe durig regular busiess hours

10 Broadway Bak Locatios Sa Atoio Alamo Heights 401 Austi Hwy. City Base Ladig 202 S.E. Military Dr. Culebra 7576 Culebra Rd. Dowtow 1100 McCullough Ave., #100 Ecio U.S. 281 N. Hueber Hueber Rd. Leo Sprigs IH-10 W. Mai 1177 N.E. Loop 410 Medical Ceter 8056 Fredericksburg Rd. Nacogdoches 1429 Nacogdoches Rd. Potraco Village 502 W. Loop 1604 N. Sa Pedro 142 Sa Pedro Ave. Shavao 1119 Hueber Rd. Stoe Oak Stoe Oak Pkwy. Tesoro 1177 N.E. Loop 410 West Commerce 447 W. Commerce St. Wilderess Oak 2510 Wilderess Oak Blvd. Cetral Texas ad Hill Coutry Austi Cogress Ave. 506 Cogress Ave., #101 Austi Midtow 911 W. 8th St., #100 Bee Cave Bee Caves Rd., Bldg. Boere 1012 S. Mai St. Buda 21 N. FM 1626 Bulverde Hwy. 46 W. Castroville 1006 N. Fiorella St. Drippig Sprigs 20 E. U.S. Hwy. 290 Fredericksburg 204 W. Mai St. Helotes Badera Rd. Hodo 2 19th St. Kerrville 500 Mai St. Kyle 5809 Kyle Pkwy. New Braufels 2219 Commo St. Sa Marcos 01 N. CM Alle Pkwy. Schertz 5557 FM 009 Segui 1475 E. Court St. Wimberley RR 12 N. Post/Base Locatios Fort Sam Housto 202 Staley Rd. Fort Sam Housto AMEDD Ceter & School Bldg 2841, Staley Rd. Fort Sam Housto SAMMC 600 George C. Beach Radolph AFB 629 rd St. W., Bldg broadwaybak.com Member FDIC mmmm BNB