YOUR TRANSITION GUIDE Adding a new chapter to a solid legacy. TRANSITION GUIDE | 1 2 | AMERIS BANK YOU’VE COME TO THE RIGHT PLACE. We’re glad you are here. We’re fercely committed to a seamless transition. Fidelity Bank will transition to Ameris Bank the weekend of November 1-3, 2019. This means new signage, a new website for online banking, a new mobile app, and possibly a few adjustments to your existing accounts and loans. Our bold approach to banking and our commitment to you remains unchanged. This guide explains everything. Please call or email us if anything is unclear. We are working hard to make your experience hassle free. Over the November 1-3 transition weekend, we need extra time to make sure everything occurs smoothly. Our branches will close early on Friday, November 1 at 3:00 PM (ET) and will reopen during normal business hours on Monday, November 4. Even though our branches are closing early, our Customer Service Center is only a phone call away: Call 866.616.6020 Monday – Friday: 7:00 AM – 11:00 PM (ET) Saturday: 7:00 AM – 8:00 PM (ET) Sunday: 8:00 AM – 8:00 PM (ET) TRANSITION GUIDE | 3 DON’T MISS THIS! 1. Temporary Outage: Take note of the following days and times your Fidelity Bank services will be available in view only mode or unavailable. Access to these services with Ameris Bank will be available Monday, November 4. More details about these temporary outages are found within this guide. - Fidelity Bank Online Banking, Mobile Banking and Text Banking will be available in view only mode beginning Friday, November 1 at 7:00 PM (ET). - Fidelity Bank Automated Telephone Banking will be available in inquiry only mode beginning Friday, November 1 at 4:00 PM (ET). - Fidelity Bank Online Bill Pay for personal account holders will be unavailable beginning Monday, October 28 at 8:00 AM (ET) and unavailable for business account holders beginning Friday, November 1 at 4:00 PM (ET). - Fidelity Bank Mobile Banking Bill Pay will be unavailable beginning Monday, October 21 at 8:00 AM (ET). - Fidelity Bank Email and Text Alerts will stop on Saturday, November 2. 2. Debit Cards & Checks: Continue using your Fidelity Bank debit card without interruption. Unless you receive a separate letter from us, continue using your Fidelity Bank checks without interruption, as well. 3. Online & Mobile Access: We want to keep your accounts secure, so we will send you a separate notifcation outlining your login information. 4. Accounts & Loans: Your loan numbers and checking, savings, and CD account numbers will remain the same unless you receive a separate letter from us. Turn to page 6 for more details. 5. Overdraft Practices: Turn to page 42 for important information regarding changes in overdraft practices. 4 | AMERIS BANK Find What You’re Looking For INFO AT A GLANCE...........................................................6 PERSONAL ..................................................................9 Checking ................................................................................10 Savings .................................................................................. 12 CDs & IRAs .............................................................................. 14 Wealth Management ...................................................................... 14 Loans.................................................................................... 15 BUSINESS.................................................................. 17 Checking ................................................................................ 18 Savings ..................................................................................20 CDs ..................................................................................... 21 Cash Management ........................................................................22 Loans....................................................................................24 ACCOUNT ACCESS..........................................................27 Online Banking ...........................................................................28 Online Bill Pay – Personal..................................................................30 Online Bill Pay – Business .................................................................32 Mobile Banking...........................................................................34 Text Banking .............................................................................35 Email & Text Alerts ........................................................................36 Telephone Banking........................................................................36 Debit Cards ..............................................................................37 Statements...............................................................................37 Wires ....................................................................................38 Safe Deposit Box .........................................................................39 NOTICES & DISCLOSURES....................................................41 FDIC Coverage ...........................................................................42 Overdraft Practices Disclosure .............................................................42 Truth in Savings Disclosure ................................................................44 Personal Checking Account Holders – Subaccount Organization ...............................47 Notice of Change to the Terms of CD and IRA Accounts ......................................47 Your Ability to Withdraw Funds at Ameris Bank ..............................................47 Dormancy Parameters.....................................................................48 Electronic Funds Transfer Disclosure .......................................................48 Miscellaneous Services Pricing Guide.......................................................52 Protecting Your Information ................................................................53 Privacy Notice ............................................................................53 LET’S CONNECT ............................................................55 TRANSITION GUIDE | 5 Info at a Glance We know how important it is to easily access your money. We are right here with you, and our goal is to make your transition easy and hassle free. Account & Loan Numbers Numbers will stay the same unless you receive a separate letter from us. Beginning Monday, November 4, use the Ameris Bank routing number 061201754. Routing Number We will continue to honor checks with the Fidelity Bank routing number. Continue using your current Fidelity Bank checks and deposit slips until your supply runs out unless you receive a separate letter from us. Checks Beginning Monday, November 4, if you need more checks, visit amerisbank.com to reorder from Ameris Bank’s preferred vendor, Harland Clarke. If you order checks somewhere else, don’t forget to use the Ameris Bank routing number, 061201754. Continue using your current Fidelity Bank debit card without interruption. Use it Debit Cards free of charge at any Ameris Bank ATM. Fidelity Bank credit cards will not be affected. Continue to use and make Credit Cards payments as normal. Use any Ameris Bank ATM free of charge to check balances, make withdrawals, and transfer money. If you use your Ameris Bank or Fidelity Bank debit card at any ATM Access other ATM, based on your account type, you may incur a $2 service charge from Ameris Bank and an additional surcharge from the bank that owns the ATM. Direct deposits will continue as normal without interruption. All recurring and scheduled transfers will continue as normal without interruption. We want you to be fully prepared, so we recommend you make note of all your Direct Deposits and recurring and scheduled transfers before November 1, if you need to reference them in the future. Automated Transfers Automatic transfers established for overdraft protection or to maintain a target balance in another Ameris Bank deposit account will continue. These transfers will occur in $50 increments at a price of $10 per transfer. The $10 will be charged to the sending account. Beginning Monday, November 4, use Ameris Bank’s routing number, 061201754, when initiating wire transfers to your accounts at Ameris Bank. The hours for sending wires at an Ameris Bank branch are Monday – Friday, 8:00 AM – Wire Transfers 4:00 PM (ET). To receive same-day credit, wires must be received by 5:00 PM (ET), Monday – Friday. Ameris Bank also offers Business Online Wire transfers. Turn to page 38 for more details. You will continue to have access to Web Connect; however, because we are transitioning to Ameris Bank, your access to these services through Fidelity Bank Online Banking will no longer be available beginning Friday, November 1 at 7:00 Web Connect for Quicken & PM (ET). Web Connect for Quicken and QuickBooks is available through Business Online Banking, and Web Connect for Quicken is available through Personal QuickBooks Online Banking. Visit amerisbank.com/WelcomeFidelityBank for easy transition instructions. Additionally, if you use Express Web Connect within your Quicken software, you will need to disconnect this service and reconnect using your new Ameris Bank Online Banking credentials. New Look - Same Heart. You will start to see the Ameris Bank logo on statements, letters, branches, ATMs, and when banking electronically. 6 | AMERIS BANK Beginning Friday, November 1 at 7:00 PM (ET), Fidelity Bank