Welcome Guide

Everything you need to know as your branch converts to

MEMBER FDIC | EQUAL HOUSING LENDER Select Bank & Trust

S E L E C T B A N K & T R U S T W E L C O M E G U I D E 7

6 Table of Contents Dear Valued Customer,

CUSTOMER LETTER...... 3 On July 1, 2019 the Hilltop (Virginia Beach) branch of City National Bank of West Virginia (CNB) will become a part of Select Bank & Trust. KEY ITEMS TO NOTE ...... 4 We are excited to welcome you to a community bank with almost 20 KEY DATES ...... 5 years of history providing high quality customer service, a great set of solutions and a strong commitment to the communities we serve. PERSONAL ACCOUNTS AND SERVICES ...... 6 This Welcome Guide will walk you through all of the changes you can BUSINESS ACCOUNTS AND SERVICES ...... 12 expect as we convert your current account(s) to your new Select Bank & Trust account(s).

CDs and IRAs ...... 18 We have made every effort to convert your current account to the most similar account at Select Bank & Trust, many offering additional DEBIT CARDS ...... 19 benefits. We encourage you to review this guide carefully and save it as a eSERVICES AND TELEPHONE BANKING ...... 20 reference guide. If you have any questions or concerns regarding your accounts or our upcoming conversion, please call your local branch at LOANS, LINES OF CREDIT AND CREDIT CARDS ...... 23 757.491.8810. While some things, including your bank’s name, will change on July 1, ONLINE CASH MANAGEMENT ...... 24 2019, rest assured the same branch in which you have been banking will FDIC INSURANCE ...... 24 open and be staffed by the friends and neighbors you know. We hope you will soon experience our mission, “To be the bank of in the LOCATIONS ...... 25 communities we serve, by providing exceptional customer service, superior products and experienced bankers using a common sense approach to banking,” throughout this transition and beyond. We look forward to serving you.

Sincerely,

William L. Hedgepeth II President & CEO Select Bank & Trust

2 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 3

KEY ITEMS TO NOTE KEY DATES AND EVENTS Your branch will be converting to a new banking system. To minimize service disruptions this conversion is taking place the weekend of Friday JUNE 16 Be on the look-out for your New Debit Cards and PINs. June 28, 2019 and upon opening on Monday July 1, 2019 we will be They will be mailed the week of June 16, 2019 operating on a new system. JUNE 27 Last day payments will be made from the current Online ACCOUNT NUMBERS Bill Pay system Most account number(s) will remain the same. (See page 10 for more information). Your routing number will change to 053112330. JUNE 28 at 4PM City National Bank ATM will no longer be available. The CNB ATM at the Nevan Road location will CHECKING, MONEY MARKETS AND CHANGES be taken offline and we will be replacing it with a new Your checking, money market and savings account types are changing. This ATM which will not be functional immediately. See page Guide and the accompanying Account Disclosures booklet detail all of the 19 for ATM usage information. changes. JUNE 28 Your local branch will stay open until 5pm that Friday, DEBIT CARDS June 28, 2019, for your convenience. Debit cardholders will receive a new VISA® and a new PIN by mail. JUNE 28 after New Select Bank & Trust VISA® Debit Cards may be 6PM activated by using the card and new PIN via a POS SELECTBANK.COM purchase/transaction, an ATM inquiry, or an ATM Our web address is SelectBank.com. Here you can learn more about us and withdrawal. access your account information 24/7 with Online Banking. JUNE 28 at 7PM Current Online Banking, Bill Pay, Mobile Banking and MOBILE BANKING Telephone Banking will be taken offline. A new mobile app will be available to be downloaded from the app store or Google Play once conversion occurs. JUNE 28 at 7PM Current CNB Debit Cards will be deactivated.

LOCAL BRANCHES AND THE PEOPLE WHO SERVE YOU JUNE 29 – JULY Helpline for Debit Card or Online Banking questions: Your local Select Bank & Trust branch, the people who serve you, as well 12 910-897-3600. See page 22 for hours of operation. as the phone number you use to reach them will remain the same. JULY 1 All account changes detailed in this Guide will become BANKING HOURS effective As of July 1, 2019 your banking center’s hours will change slightly. We will no longer offer Saturday hours but have expanded the drive thru hours:

In – Lobby Monday – Thursday: 9:00 AM – 5:00 PM Friday: 9:00 AM – 6:00 PM Drive – Thru

Monday – Thursday: 8:30 AM – 5:00 PM

Friday: 8:30 AM – 6:00 PM

4 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 5 PERSONAL ACCOUNTS AND SERVICES eBanking Checking This non-interest bearing account covers all the basics Learn more about your new personal checking, money market and/or savings • No minimum balance required account(s) by reviewing the following information which shows how your current account(s) will transition to the new Select Bank & Trust product • No monthly service charge line. If you wish to take advantage of another account, contact your local • Unlimited check writing branch to make arrangements. • No per item transaction

$3.00 paper statement waived through December 31, 2019. CHECKING

Current Account Account as of July 1, 2019 Select Heroes Checking Bounce Back Checking Our exclusive non-interest bearing account for the community heroes including active and retired first responders (Police, Fire, EMT), eStatement Checking eBanking military, medical professionals & teachers. Receive cash back Legacy Checking Totally Free Checking rewards and free access to any ATM nationwide just for putting in Best Free Checking the hard work for our communities daily: 1 Community Hero Checking Select Heroes • Tiered monthly cash back rewards, subject to eligibility

City Gold Checking • Free access to any ATM nationwide Gold Banking Premier Checking • Unlimited check writing Choice Checking Heritage • No per item transaction fees Heritage Gold • No minimum balance required • No monthly service charge

All Select Bank & Trust checking accounts can be opened with $100 and 1During the monthly statement cycle use your Debit Card to conduct Point- include these features at no charge: of-Sale (POS) transactions (PIN and signature based) and earn cash back rewards as follows: • Online Banking 25 POS transactions – You earn $2.50 • Bill Pay 50 POS transactions – You earn $5.00 75 POS transactions – You earn $10.00 • Mobile Banking • eStatements $3.00 paper statement fee waived through December 31, 2019. • Debit Card1 Gold Banking Checking • No charge at non-Select Bank ATMs, other financial institutions Our premier interest-bearing1 checking account, Gold Banking is designed 2 ATM usage fees may apply. for customers who use a variety of products and services.

1 Primary account holder must be 18 years of age or older to receive a 2 debit card, or a parent or legal guardian must be a co-owner on the • $20 monthly service charge associated accounts. • Checks at no charge 2 ATM usage fees assessed by other financial institutions for use of • Unlimited check writing their ATMs will be refunded through December 31. 2019. • No per item transaction fee

6 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 7 • Paper statements at no charge • Interest compounded daily and credited to your account monthly 3 • Small Safe Deposit Box at no charge or discount on a larger size • Allow six withdrawals/transfers per month ($4 fee for each additional 4 • 0.25% interest rate discount on any personal loan withdrawal/transfer)

1Paid on ledger balance. $5 monthly service charge waived through December 31, 2019. Beginning January 2$20.00 monthly service charge waived through December 31, 1, 2020, to avoid the monthly service charge, maintain a minimum daily balance of $100. $3 paper statement fee. 2019. Beginning January 1, 2020, to avoid the monthly service charge of $20.00, you need to maintain a $2,500 minimum daily Minor Savings balance, $5,000 average balance or $10,000 average combined balance in checking, savings, and/or money market accounts. Our Minor Savings Account with no minimum balance requirement and no 3Safe deposit box rental based on availability. monthly service charge is designed to help children and teens learn good 4Based on credit approval and submission of payments via auto saving habits. draft. • Opening deposit of $25

SAVINGS AND MONEY MARKETS • Allows six withdrawals/transfers per month allowed ($4 fee for each additional withdrawal/transfer) Current Account Account as of July 1, 2019 Retail Savings • Interest compounded daily and credited to your account monthly Power Savings Christmas Club • $3 paper statement fee

Youth Savings Minor Savings Health Savings Accounts Health Savings Account (Individual Health Savings Account (Individual All Health Savings Account customers will receive a new HSA Visa or Family ) or Family) Debit card via mail, sent the week of June 16, 2019, which can be Liquid Gold Personal Money Market 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. All savings accounts include these features at no charge: • Opening with as little as $100 • Online Banking • Receive paper statements at no charge • Bill Pay* • Mobile Banking Money Market • eStatements Our Money Market Account allows you to earn competitive, tiered interest • Debit Cards* rates based on your daily ledger balance.

All regular monthly service charges, including $3.00 paper statement fee, • Opening deposit of $1,000 waived through December 31, 2019. • Interest compounded daily and credited to your account monthly *To receive a debit card, primary account holder must be 18 years of age or older. • Checks at no charge Bill Pay available for certain savings accounts. • Allows six withdrawals/transfers per statement cycle ($4 fee for each Power Savings additional withdrawal/transfer) Earn interest on your daily ledger balance with the flexible Power $15 monthly service charge waived through December 31, 2019. Savings account. Beginning January 1, 2020, to avoid the monthly service charge, maintain a minimum daily balance of $1,000 or $2,500 average daily • Opening deposit of $100 balance. • Tiered interest rates based on account balance $3.00 paper statement fee waived through December 31, 2019.

8 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 9 you are a heavy check-user you may want to consider placing an order soon Personal Deposit Accounts – Questions & Answers after conversion in order to accommodate your normal check writing. Be sure to relay the new RTN of 053112330 if ordering from a vendor outside of the Following the June 28 – June 30 banking system transition, will there be bank. different fees associated with my account? The accompanying Account Disclosures booklet includes a new Personal Will the overdraft line of credit that is linked to my checking and/or money Account Fee Schedule that will be associated with your new Select Bank & market account change? Trust account(s)effective July 1, 2019. The following fees will be waived for Your current credit line will not transfer to Select Bank & Trust. If you would like to the time noted: consider an overdraft line you may re-apply with Select Bank & Trust by contacting • All regular monthly service charges on deposit accounts (checking, your local branch. Your account will automatically be enrolled in Overdraft Privilege savings, and money markets) through December 31, 2019 of $500, additional information is included in the accompanying Account Disclosures booklet. • Paper statement fees through December 31, 2019

• Select Bank & Trust does not charge a fee for the use of any non- What do I need to do to make sure my direct deposits and automatic drafts Select Bank ATMs. Any applicable ATM owner fees charged by continue to process? non-Select Bank & Trust ATM owners will be refunded through Companies that direct deposit and/or automatically draft to and from your December 31, 2019 (with the exception of Select Heroes account will need to be contacted within 60 days of conversion date. To Checking, those are always refunded). avoid interruption, you will need to provide account and RTN information Beginning January 1, 2020, Select Bank & Trust accounts will resume in order for them to make the necessary changes. assessing the above monthly service charges and paper statement fees, and Will the statement date for my accounts change? no longer refund non-Select Bank & Trust ATM usage fees. This gives you All accounts will receive a statement from City National Bank as of time to get acquainted with how your new account works and to determine June 28, 2019. The statement cycle for your new Select Bank & Trust if it’s the right one for you. Additionally, fees for safe deposit boxes will checking account will begin on July 1, 2019 and a statement will be remain the same through your lease agreement (and will renew at the then processed on the last business day of each month going forward. current Select Bank & Trust rates). Statements for your new Select Bank & Trust savings account will be Will my account number change? processed on the last business day of each quarter, in March, June, The account numbers for the majority of customers will not change. It is September and December. our intent to allow as many customers as possible to keep the same account number. In the rare circumstance that we would need to change Will the interest rates I am earning on my accounts change? an account number we will contact and assist you with this change. The The interest rates on your new Select Bank & Trust checking, routing and transit number (RTN) will change. The new RTN is 053112330. savings, and money market deposit accounts will be the then

current rates in effect as of July 1, 2019, and subject to change Will I need new checks and deposit slips? without notice. The current annual percentage yield (APY) earned You will be receiving in the mail an introductory packet of checks on your accounts will be reflected on your monthly statements. approximately one week prior to the June 28, 2019 conversion date. If

10 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 11 BUSINESS ACCOUNTS AND SERVICES Business Class Banking This low-cost account combines all of the basics with a few extra services Learn more about your new business checking and money market designed to make business banking a breeze. account(s) by reviewing the following information which shows how your current account(s) will transition to the new Select Bank & Trust • Up to 500 total items processed per statement cycle at no charge product line. If you wish to take advantage of another account, contact • Starter check kit at no charge your local branch to make arrangements. • Merchant Card Services set up at no charge

Per item charge for each check, deposit, or item deposited over 500 per Current Account Account as of July 1, 2019 statement cycle is $0.35. Best Free Checking Business Class Banking $10.00 monthly service charge waived through December 31, 2019. Beginning January 1, 2020, to avoid the monthly service charge of $10.00, you must maintain a Small Business Interest Checking Business Class Banking with Interest $1,500 minimum daily balance or $3,000 average balance in this account.

Interest On Lawyers’ Trust Account Interest On Lawyers’ Trust Account $5 paper statement fee waived through December 31, 2019.

Business Class Banking with Interest All Select Bank & Trust business checking accounts can be opened with $100 and include these features at no charge: Enjoy the benefits of Business Class Banking while earning interest. 1 • Online Banking • Interest-bearing • Bill Pay • Up to 500 items processed per statement cycle at no charge • eStatements • 20% discount on Remote Deposit Capture equipment • Debit Card • Starter check kit at no charge • Merchant Card Services set up at no charge

Small Business Banking 1Paid on ledger balance. Per item charge for each check, deposit, or item deposited This account covers all the basics and is ideal for a business with a small over 500 per statement cycle is $0.35. number of transactions. $12.00 monthly service charge waived through December 31, 2019. Beginning • Up to 150 total items processed per statement cycle at no charge January 1, 2020, to avoid the monthly service charge of $12.00, you must maintain a • No monthly service charge $3,000 minimum daily balance or $6,000 average balance in this account. • No minimum balance requirement $5 paper statement fee waived through December 31, 2019.

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, 2019.

12 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 13

Business Analysis • Allows six preauthorized withdrawals per statement cycle (above six Ideal for businesses with a large number of transactions and a high account there is a $10 per item charge) balance. $15 monthly service charge waived through December 31, 2019. Beginning January • Monthly service charge can be reduced or offset by earnings credit 1, 2020, to avoid the monthly service charge, maintain a minimum daily balance of $1,000 or $2,500 average daily balance. Excessive withdrawals may result in • Interest-bearing option available when you add Sweep Account feature account being converted to a Small Business Banking checking account.

Activity fees include: Electronic debit: $0.12; Paper debit: $0.20; Electronic credit: $5 paper statement fee waived through December 31, 2019. $0.12; Paper credit $0.20; Assessment fee: $0.14/$1,000 ledger balance. Fees not all inclusive Business Accounts – Questions & Answers

Monthly service charges and $5 paper statement fees waived through Following the June 28-June 30 banking system transition, will there be December 31, 2019. different fees associated with my account? The accompanying Account Disclosures booklet includes a new Business Interest on Lawyers’ Trust Account Accounts Fee Schedule that will be associated with your new Select Bank & Trust Available for attorneys and law firms, this interest-bearing account1 forwards account effective July 1, 2019. The following fees will be waived for the time interest earned to the local State Bar where it is combined with other noted: funds to support public interest projects. • All regular monthly service charges on deposit accounts (checking,

1 Paid on ledger balance. savings, and money markets) through December 31, 2019 • Paper statement fees through December 31, 2019 MONEY MARKET • Select Bank & Trust does not charge for the use of non-Select Bank

ATMs. Any applicable ATM owner fees will be refunded through December Current Account Account as of July 1, 2019 31, 2019 Beginning January 1, 2020, Select Bank & Trust accounts will resume assessing Commercial Savings Business Money Market the above monthly service charges and paper statement fees, and no longer Commercial Liquid Gold refund non-Select Bank & Trust ATM usage fees. This gives you time to get Money Market 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 All business money market accounts include these features at no charge: through your lease agreement (and will renew at the then current Select Bank • Online Banking & Trust rates).

• eStatements Will my account number change?

Bill Pay available for certain accounts. The account numbers for the majority of customers will not change. It is our intent to allow as many customers as possible to keep the same account

number. In the rare circumstance that we would need to change an account Business Money Market number we will contact and assist you with this change. The RTN will change. A Business Money Market account is a great fit for businesses looking The new RTN is 053112330 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

14 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 15

Will I need new checks and deposit slips? Will the balance associated with my commercial analysis account used to You will be receiving, via mail, an introductory packet of checks & prevent service charges change? deposit tickets approximately one week prior to the June 28, 2019 You will no longer receive a monthly Analysis statement but a conversion date. If you are a heavy check-user you may want to statement will be available upon request. consider placing an order soon after conversion in order to accommodate your normal check writing. Be sure to relay the new RN of We encourage you to speak with your banker to discuss your company’s 053112330 if ordering from a vendor outside of the bank. specific needs. We look forward to working with you to establish the most cost-effective target balance, and address any questions you may have. Will the overdraft line of credit that is linked to my checking and/or money market account change? How will wire transfers be affected? Your current credit line will not transfer to Select Bank & Trust. If you would like Effective at the opening of business on July 1, 2019, use the following to consider an overdraft line you may re-apply with Select Bank & Trust by information for incoming wire transfers: contacting your local branch. Receiving Bank: Select Bank & Trust What do I need to do to make sure my direct deposits and automatic ABA Routing Transit Number: 053112330 drafts continue to process? Companies that direct deposit and/or automatically draft to and from Address of receiving bank: 700 W. Cumberland St., Dunn, N.C. 28334 your account will need to be contacted within 60 days of conversion Swift Code of receiving bank: PCBBUS66 (International wires only) date. To avoid interruption, you will need to provide account and Further Credit To: Your account name and number RTN information in order for them to make the necessary changes.

Will the statement date for my accounts change? All accounts will receive a statement from City National Bank as of June 28, 2019. The statement cycle for your new Select Bank & Trust business account will begin on July 1, 2019 and a statement will be processed on the last business day of each month going forward.

Will the interest rates I am earning on my accounts change? The interest rates on your new Select Bank & Trust checking, savings, and money market deposit accounts will be the then current rates in effect as of July 1, 2019, and subject to change without notice. The current annual percentage yield (APY) earned on your accounts will be reflected on your monthly statements.

16 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 17

CDs and IRAs DEBIT CARDS

CONSUMER AND COMMERCIAL CERTIFICATES OF DEPOSIT All current debit cardholders will be issued a new Debit Card and PIN (CDs) via mail. Debit cards are being mailed the week of June 16, 2019. If The interest rates, terms and conditions of your existing CD(s) will you have not received your new card by June 26, 2019, contact your local Select Bank & Trust branch. be honored through maturity.

Your new debit card(s) can be activated on/after 6:00 PM on Friday, All Select Bank & Trust CDs are automatically renewable at maturity June 28, 2019 by making a debit card purchase using your new PIN and at the same term as the original CD. You have ten calendar days after or visiting any ATM for a balance inquiry or withdrawal. Your maturity to withdraw funds without penalty or to make changes. Interest is current CNB Debit Card will no longer work after 7:00 PM on Friday compounded daily and credited to your account monthly, unless you June 28, 2019. request a different payment method. Select Bank & Trust does not charge a fee for the use of non-Select If you withdraw principal from your CD prior to maturity, your account is Bank ATMs. Any applicable ATM owner fees will be refunded through subject to an interest penalty. A withdrawal will reduce earnings. December 31, 2019. We apologize for the inconvenience of the ATM at the Nevan Rd. location being disabled, however, once replaced you’ll INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) find more safety & convenience features. You will see virtually no change in your IRA(s). Your current interest rate and term will remain in effect. Debit Card – Questions & Answers Will my Personal Identification Number (PIN) change? Interest on all IRAs is compounded daily and the interest earned is credited Yes, you will receive a new PIN by mail following the receipt of your new debit to your account quarterly unless you request a different payment method. card in a separate mailing, please be sure to be on the lookout for this. You will be able to change your PIN once the card is activated by visiting a All IRAs are automatically renewable with a 10-day following Select Bank & Trust location or ATM. maturity. Are my debit card personal withdrawal and daily purchase limits changing? Beginning Monday, July 1, 2019, the ATM withdrawal limit will increase to $600. The daily purchase limit will increase to $2,500.

What if I have recurring payments set up with my CNB debit card? You will Need to change the card information stored with any recurring vendors online or otherwise after receiving your new Select bank & Trust debit card to avoid a denied transaction.

18 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 19

Key Online Banking and Online Bill Pay Dates: eSERVICES & TELEPHONE BANKING JUNE 27: Last day to schedule payments in the current Online Bill Pay Access to your current Online Banking and Telephone Banking systems will system. Any new payments scheduled after June 27 will continue through end of day June 27, 2019. All Online Banking not be processed. (including Bill Pay and Mobile Banking) services will be offline beginning June 28, 2019. You will need to re-enroll in the Select Bank & Trust JUNE 28: The current Online Banking and Bill Pay systems options starting Monday July 1, 2019 will be taken offline. You are encouraged to print any information you may need from the current ONLINE BANKING, BILL PAY AND eSTATEMENT LOG- system before it is taken offline (including bill payee information with any relevant addresses & IN CREDENTIALS account numbers, eStatements, etc.) PRIOR to June Beginning July 1, you will access Online Banking via 28 and you should also note or print all eBills and www.SelectBank.com. You will need to re-enroll in Online banking, auto payments. Once Online Banking is offline, creating new credentials allowing you to access Online Banking, Online Bill Select Bank & Trust will not be able to pull Pay, and eStatements. See Page 23 for initial login instructions. information from the Online Banking system. Once re- enrolled at Select Bank & Trust, 6 months of During your initial log-in, you will be prompted to select a password that transaction history will be available for viewing. must meet the following criteria:  8 – 20 characters JULY 1: The new Online Banking and Online Bill Pay systems  Alphanumeric and special characters required. will be activated at www.SelectBank.com.

Business customers who currently use Business Online Banking with MOBILE BANKING Online Cash Management functions will receive a separate Beginning Friday June 28, 2019, Mobile Banking will become inactive. communication with more details regarding these electronic services. You may re-enroll in these services beginning July 1, 2019 by searching

ONLINE BILL PAY “Select Bank & Trust” where you find apps and downloading the new app. More information is available at selectbank.com. You must Your online payee information will not transfer. It is recommended login to Online Banking via a desktop browser before successfully that you go into your CNB Bill Pay module prior to June 28 and either logging in on the mobile app (the ability to view accounts in the print or save the information of all of your payees (including addresses Mobile Banking app must first be turned on within Online Banking). and account numbers), your recent Bill Pay history, and all auto/recurring payments. Once re-enrolled in Online Banking & Bill Pay eSTATEMENTS you can re-enter the information. All eBills and scheduled payments Beginning July 1, 2019, customers who would like eStatements will taking place after June 27, 2019 will need to be re-established in the need to re-enroll in the service through Online Banking at new Online Bill Pay system on or after July 1, 2019. SelectBank.com. We encourage you to print or save any statements you may need for your records prior to June 28. Beginning July 1, 2019, the TELEPHONE BANKING new eStatement system will begin to store up to 18 months of history. Beginning July 1, you will access Telephone Banking via 1-833- 770-7859. 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.

20 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 21

eServices – Questions & Answers Who can I call if I need help with my Online Banking, Mobile Banking & Debit Card? Will I need to re-enroll for electronic services like You may call 910-897-3600 for assistance between 8:30AM – 8PM Online Banking, Online Bill Pay, eStatements, and July 1 - July 12, 2019 (M-F). Special weekend hours will be available June 29 Mobile Banking? & June 30 8:30AM – 8PM. Yes. On or after July 1, 2019 you will be able to re- enroll in Online Banking, Bill Pay, Mobile Deposit & How to enroll in Online Banking? eStatement. Once you’ve re-enrolled in Online  Go to www.SelectBank.com Banking you can download the Select Bank & Trust app from iTunes® and Google Play® and login with  Click on “New to Online Banking” your Online Banking credentials.  Click Enroll  Read and acknowledge the Internet Banking Agreement and Disclosure When I log-in to Online Banking on July 1, will I see my recent transaction  Input information & select Continue (be sure to history? select Retail or Business) We will transfer the last six months of history. We also recommend that you  Input information on the next page & select save your statement history and print out copies of any statements or history Submit you may need prior to 6 PM on June 28, 2019.  Select Send Email Verification How is Online Bill Pay payment processing affected?  Navigate to your email and click on the June 27 is the last day to schedule new payments in the current Online within the email to verify and select Yes when Bill Pay system. All payments dated between before June 27 will be the security box appears processed as-scheduled. No payments will be made from the current  From the confirmation screen select Login Online Bill Pay system as of June 28. You can log in to the new Online  Once Login is Accepted: Scroll completely Bill Pay system beginning Monday, July 1, and at that time you can through the agreement, select I Agree and schedule all future payments. All eBills will have to be re-established Accept to continue with enrollment on/after July 1, 2019.  Enter password information and select Continue.

Will previously established recurring payments continue after the upgrade?  Select watermark and submit, then Continue All previously established recurring payments will NOT continue after the  Select Verification Questions and Answers then select Submit conversion to the new Bill Pay system, you will need to re-establish any  Create Password Reset Question and Answer. This will allow you to reset recurring Bill-Pay payments. your password yourself, then Select Submit.

Will I need to set up my Online Bill Pay payees again? LOANS, LINES OF CREDIT, AND Yes, you will need to re-establish all payees. We recommend printing all payee information (including account number and address) prior to CREDIT CARDS June 28 for ease of entry once on SelectBank.com No loans, lines or credit cards will be converting to Select Bank & Trust. I have the CNB Mobile app. Can I continue to use that? You will continue to receive communication and information from CNB The current mobile banking app will be deactivated as of. June 28. You will regarding any loans, lines, or credit cards. be able to download the new app on Monday, July 1, 2019.

22 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 23

ONLINE CASH MANAGEMENT CURRENT LOCATIONS NC If you use any Online Cash Management Services—including, but Burlington 3158 S. Church St., (336) 228-0222 not limited to—ACH, Wire Services, and Remote Deposit Capture, Charlotte 13024 Ballantyne Corporate Pl., (704) 752-9292 we will contact you to review these services and prepare you for the Clinton 111 Northeast Blvd., (910) 592-4252 transition. Dunn 700 W. Cumberland St., (910) 892-7080 Elizabeth City 416 S. Hughes Blvd., (252) 337-9070 Online Cash Management – Questions & Answers Fayetteville 2818 Raeford Rd., (910) 485-5855 Goldsboro 431 N. Spence Ave., (919) 751-2711 I use Cash Management Services. How will those services be Greenville 3600 Charles Blvd., (252) 353-5730 affected? All Cash Management customers will receive a separate Holly Springs 5070 Kentworth Dr. (919) 435-3700 communication with more details about those services. Leland 1101 New Pointe Blvd., (910) 371-3041 Lillington 818 McKinney Pkwy., (910) 814-4203 Will I need new Remote Deposit Capture equipment or software? Lumberton 4400 Fayetteville Rd., (910) 738-1415 Your scanner will stay the same, but there may be other Morehead City 168 NC Hwy 24, (252) 726-0987 hardware and software changes we will need to address. You will Raleigh 4505 Falls of Neuse Rd., (919) 322-4760 receive an equipment and software survey to determine how we Washington 155 N. Market St., (252) 317-3500 ® can best meet your needs. Windows XP users will need to upgrade Wilmington 1001 Military Cutoff Rd., (910) 679-4570 ® ® ® their operating systems to Microsoft VISTA , Windows 7 , Wilson (LPO only) 405 W. Nash St. Ste 207, (252-702-1717) ® ® Windows 8 or Windows 10 prior to the conversion. Windows XP is no longer being supported by Microsoft. Online Cash SC Management Services are only compatible with more recent Blacksburg 203 W. Cherokee St., (864) 839-6331 operating systems. Rock Hill 201 Oakland Ave., (803) 326-2006 Six Mile 115 N. Main St., (864) 481-3026 Who can I contact if I have questions? Email [email protected]

FDIC INSURANCE FDIC Insurance covers all deposits accounts, including checking and savings accounts, money market 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 www.fdic.gov/deposits.

24 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 25

Mission: To be the bank of choice in the communities we serve by providing exceptional customer service, superior products and experienced bankers using a common sense approach to banking.

Core Values:

Leadership Teamwork Integrity Service Commitment

26 S E L E C T B A N K & T R U S T W E L C O M E G U I D E 27