Stronger . Together
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STRONGER . TOGETHER . 1 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK WELCOME MESSAGE FROM THE CEOs WELCOME TO THE NEW Dear Customers, On behalf of our owners, the Collins Family Trusts, and the nearly 500 employees of Vantage Bank Texas and Inter National Bank, we are pleased to announce that our banks have merged. We are pleased to have you as our customer through this exciting transition. There are many reasons why we pursued this merger, most of which surround the fact that as one bank we are confident we will provide a better banking experience for you. This will be achieved In the next few weeks you will experience changes due to the consolidation of the bank’s operations with through the expansion of products and services to San Antonio, South and Central Texas, El Paso Inter National Bank. To help you make your transition into the new system as smooth and seamless as and to our international customers. Also, by merging, the bank’s legal lending limit has grown, possible, we are providing this Welcome Kit as an overview of what to expect during the coming weeks. This allowing us to better serve the needs of our business communities. guide will provide you with important dates, information regarding access to our services, as well as other important disclosures. Please review this information carefully. Over the next few weeks we will be working to seamlessly consolidate the operations of the banks. Between now and December 10, 2018, Inter National Bank and Vantage Bank Texas will continue Should you have any questions, please stop by any of our banking centers to speak to one of our banking to operate as two separate banks; however, effective December 10, the two institutions will be representatives, or contact Customer Service. fully integrated. Inter National Bank branches will be rebranded, and our combined institution will be named Vantage Bank Texas. Deciding which name to adopt was not easy, but we believe that Vantage Bank Texas best links our current strategy of becoming the financial institution of choice in South and Central Texas, and our continued long-term strategy of expanding to other major markets in the state. The change in no way diminishes our commitment to the international community we serve. In fact, the merger will afford us the opportunity to bring international products and services to clients who live and work outside of our border communities. NOW through FRIDAY, BEGINNING MONDAY, To assist you during this transition, we have prepared this Welcome Kit. We have also included information regarding your FDIC insurance coverage and an updated Privacy Policy for the combined bank. DECEMBER 7, 2018 DECEMBER 10, 2018 You are the focal point of this merger. Please contact your banker if you have further questions regarding the merger, or email us directly at [email protected] to let us know immediately if there is anything we need to do to improve the merger experience for you. Above all else, thank you for being a customer of Vantage Bank Texas. Sincerely, Customer Service: 866-580-7262 Customer Service: 866-580-7262 Monday–Friday 8:00 am–6:00 pm CST Monday–Friday 8:00 am–6:00 pm CST 24-hour Telephone Banking: 888-294-6174 Saturday 9:00 am–1:30 pm CST Samuel J. Munafo Guy Bodine Email us: [email protected] 24-hour Telephone Banking, or to activate President and CEO Chairman, CEO and President a new card or to report a card lost or stolen: www.vantagebank.com Inter National Bank Vantage Bank Texas 866-580-7262 Email us: [email protected] www.vantage.bank 2 3 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK OUR NEW LOOK 6 BANKING CENTERS 8 BANK LOCATIONS MAP 11 IMPORTANT DATES— MARK YOUR CALENDAR 12 IMPORTANT INFORMATION 14 ALL CUSTOMERS 15 PERSONAL CUSTOMERS 18 BUSINESS CUSTOMERS 19 DEPOSIT ACCOUNTS 20 BANKING OUTSIDE THE BRANCH 22 ADDITIONAL NOTICES 24 YOUR FDIC INSURANCE COVERAGE 25 BANKING SERVICE FEES 26 PRIVACY NOTICE 27 30 CONTENTS TERMS AND CONDITIONS OF YOUR ACCOUNT 4 5 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK OUR NEW LOOK Effective December 10, 2018, when Vantage Bank Texas is fully integrated with Inter National Bank, you will notice the same Vantage name across all distribution channels and customer touch points, but with a new look. Products and services such as deposit and loan products, online banking and mobile banking will be refreshed. We hope you like it. OUR NEW WEBSITE 5500 0067 0000 7654 5500 0067 0000 7654 5/20 5/20 DEBIT CARDSEffective First Quarter 2019 CHECKS OUR MOBILE APPS BUSINESS PERSONAL 6 7 CORPORATE OFFICE LAREDO MISSION WESLACO 45 NE Loop 410, Suite 500 West Village Stone Oak McAllen South 10th St. Mission Weslaco Branch San Antonio, TX 78216 216 W Village Blvd, #101 18730 Tuscany Stone #2102 1700 S 10th St. 713 E. Tom Landry St. 400 N. Texas Blvd. Phone: (210) 408-5700 Laredo, TX 78041. San Antonio, TX 78258 McAllen, Texas 78501 Mission, Texas 78572 Weslaco, Texas 78596 Phone: (956) 242-0915 Phone: (210) 408-5700 Phone: (956) 631-2678 Phone: (956) 581-2107 Phone: (956) 968-1511 ALL HOURS EFFECTIVE LOBBY HOURS LOBBY HOURS LOBBY HOURS LOBBY HOURS LOBBY HOURS DECEMBER 10, 2018 Mon.–Thurs. 9 am–5 pm Mon.–Thurs. 9 am–5 pm Mon.–Thurs. 9 am–5 pm Mon.–Thurs. 9 am–5 pm Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Fri. 9 am–6 pm Fri. 9 am–6 pm Fri. 9 am–6 pm Fri. 9 am–6 pm EL PASO Sat. 9 am–1 pm Sat. 9 am–1 pm DRIVE-UP HOURS DRIVE-UP HOURS DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm Sun. 12 pm–4 pm El Paso Downtown Mon.–Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm DRIVE-UP HOURS 175 E. Arizona St. DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm El Paso, Texas 79902 I-35 RIO GRANDE VALLEY Mon.–Fri. 9 am–6 pm Sharyland Express Sat. 9 am–1 pm I-35 4819 San Dario Ave. Sat. 9 am–1 pm Phone: (915) 594-3400 2401 E. Expy 83, Suite I00 Laredo, Texas 78041 Brownsville Sun. 12 pm–4 pm Weslaco South Motor Bank LOBBY HOURS Mission, Texas 78572 Phone: (956) 721-7150 1785 E Ruben M Torres Sr Blvd. 501 S. Kansas Ave. Mon.–Thurs. 9 am–5 pm Brownsville, Texas 78521. Phone: (956) 519-8157 LOBBY HOURS McAllen 23rd Weslaco, Texas 78596 Fri. 9 am–6 pm Phone: (956) 574-8500 LOBBY HOURS Mon.–Thurs. 9 am–5 pm St 1705 N. 23rd St. Phone: (956) 968-1511 DRIVE-UP HOURS LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm McAllen, Texas 78503 LOBBY HOURS Mon.–Fri. 9 am–6 pm Fri. 9 am–6 pm Sat. 9 am–1 pm Mon.–Thurs. 9 am–5 pm Phone: (956) 682-4374 Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURS LOBBY HOURS Fri. 9 am–6 pm El Paso East Sat. 9 am–1 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm Mon.–Thurs. 9 am–5 pm 2828 North Lee Trevino, Suite C Mon.–Fri. 9 am–6 pm DRIVE-UP HOURS Sat. 9 am–1 pm DRIVE-UP HOURS Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm El Paso, Texas 79936 Mon.–Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURS Phone: (915) 594-3435 Sat. 9 am–1 pm McPherson Mon.–Fri. 9 am–6 pm LOBBY HOURS 7219 McPherson Rd. Sharyland Plantation Mon.–Thurs. 9 am–5 pm Edinburg 3605 Plantation Grove Blvd. Laredo, Texas 78041 McAllen McColl Rd Fri. 9 am–6 pm Phone: (956) 721-7100 1502 South Sugar Rd. Mission, Texas 78572 Sat. 9 am–1 pm Edinburg, Texas 78539 1524 N. McColl Rd. Phone: (956) 583-8345 LOBBY HOURS McAllen, Texas 78501 Phone: (956) 387-0200 LOBBY HOURS El Paso West Mon.–Thurs. 9 am–5 pm Phone: (956) 631-6094 Fri. 9 am–6 pm LOBBY HOURS Mon.–Thurs. 9 am–5 pm 125 Shadow Mountain Dr. Mon.–Thurs. 9 am–5 pm LOBBY HOURS Fri. 9 am–6 pm El Paso, Texas 79912 Sat. 9 am–1 pm Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURS Phone: (915) 594-3425 DRIVE-UP HOURS Fri. 9 am–6 pm Sat. 9 am–1 pm Mon.–Fri. 9 am–6 pm LOBBY HOURS Mon.–Fri. 9 am–6 pm DRIVE-UP HOURS Sat. 9 am–1 pm DRIVE-UP HOURS Mon.–Thurs. 9 am–5 pm Mon.–Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm Sharyland Fri. 9 am–6 pm REFUGIO Sat. 9 am–1 pm 1926 E. Griffin Pkwy. Sat. 9 am–1 pm McAllen Nolana Mission, Texas 78572 DRIVE-UP HOURS 111 East Plasuela St. MCALLEN Rd 730 Nolana Ave. Phone: (956) 581-1397 McAllen, Texas 78504 Mon.–Fri. 9 am–6 pm Refugio, TX 78377 LOBBY HOURS Phone: (956) 682-3243 Sat. 9 am–1 pm Phone: (361) 526-2361 McAllen Main Mon.–Thurs. 9 am–5 pm 1801 S. 2nd St. LOBBY HOURS LOBBY HOURS Fri. 9 am–6 pm HONDO McAllen, Texas 78503 Mon.–Thurs. 9 am–5 pm CENTERS Mon.–Thurs. 9 am–5 pm DRIVE-UP HOURS Phone: (956) 664-8400 Fri. 9 am–6 pm Hondo Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm LOBBY HOURS DRIVE-UP HOURS 1401 19th St.