Welcome to Texas First Bank! Business Account Transition Guide Helping Texans Build Texas® CONTENTS TABLE OF TABLE WHO IS TEXAS FIRST BANK? 03 Get to know us and what we stand for. LOCATIONS Christopher C. Doyle 05 See where our 27 banking centers are located. President & CEO TRANSITION CHECKLIST 06 Follow this checklist for a successful transfer to TFB. NEED-TO-KNOW Important dates and account information. Welcome to Texas First Bank! With over 45 years of serving the 07 community, we are excited to welcome you to our family and look forward to providing you with the same first-class service that our BUSINESS ACCOUNTS & NEW CARDS customers have come to expect and love. See all your checking & savings options in one place; 08 using your new Texas First Bank debit card. At the close of business on October 4th, we will be transitioning your account from Preferred Bank to Texas First Bank and, with the change, we are thrilled to bring you more account options and features. ONLINE & MOBILE BANKING 09 Using our online and mobile banking platforms. The purpose of this guide is to inform you of those changes (some of which will require action on your part) and provide you with pertinent PAY ON-THE-GO dates. Our goal is to make this transition as smooth as possible for you. 10 Learn the new ways to pay while you’re on the go. Please take a moment to read this guide. If you have any questions, don’t hesitate to reach out to your local banker, call Texas First Bank at TREASURY MANAGEMENT SOLUTIONS (281) 280-9422, or visit us online at www.texasf irst.bank. 11 Learn more about our TMS products & TMS checklist Your business is important to us, and we thank you for your continued confidence as we make the transition through this exciting time. And SECURITY TOKENS & NOTABLE CHANGES don’t worry – even though the name is changing, you’ll be happy to 12 How to use Security Tokens & Transaction Deadlines know that we’re still locally owned, still Texas friendly… still with the same community-driven heart. NOTABLE CHANGES CONTINUED Sincerely, 13 Positive Pay Service & Remote Deposit Capture LOANS 14 Information for current and future loans. Christopher C. Doyle President & CEO WE’RE HERE FOR WHATEVER YOU NEED! IN PERSON PHONE ONLINE CHAT Visit any of our 27 locations: (281) 280-9422 www.texasf irst.bank www.texasf irst.bank/locations WHO IS TEXAS FIRST BANK? Strong, Solid, & Secure.™ Headquartered in Texas City, Texas First Bank is a state-chartered community bank, dedicated to providing superior customer service through solid and secure financial decisions and forward-thinking product development. OUR CUSTOMERS ARE OUR FAMILY Texas First Bank’s mission is Helping Texans Build Texas.® We firmly believe that our customers make us who we are. They are our family, and we are committed to being a bank that they can depend on to best serve their financial interests, as well as one that makes a positive impact in our Texas First Bank has been named... local communities. OUR GUIDING LIGHT We look to our corporate values to point us in the right direction in all that we do. They are unchanging and guide us in our interactions with you — our customers, partners, employees, and community. One of American Banker’s The Galveston Daily News’ Best of the Bay Awards - Best Banks to Work For Readers’ Choice - Best Bank Best Bank • Above all, be responsive, responsible, and respectful to 2018 2013 - 2019 2019 our customers and employees. • Fairness: Be fair and truthful in all that we do for our customers and employees. • Integrity: Operate with total transparency. Do the right thing Stay Connected! at all times and honor the confidentiality of our customers. • Vision Driven: Anticipate and forecast the future of financial Find us on each platform by services and how it will impact our customers and employees. searching “Texas First Bank” 3 4 Your Transition Checklist Log in and update Texas First Bank Online Banking (OLB) beginning at 8:00AM on Monday, October 7, 2019. Please review how to enroll in Online Banking on page 9. Set up (or re-set up) your BillPay recipients under Transactions > Bill Payment. Please make note of your existing BillPay information before October 4th. You will need this information to re-set your BillPay. Set up any account change alerts you may want under Settings > Alerts. Download the Texas First Bank mobile banking app on your smartphone or tablet. Log in using your OLB username and password. throughout six Activate your new Texas First Bank Visa® debit card. area counties 27 LOCATIONS Update any automatic payments (utility bills, online subscriptions, etc.) that you have associated with your old card with your new Visa® debit card information. Baytown Galveston - Pirates Beach Liberty Download the free SecurLOCK™ Equip mobile app and load your TFB debit card(s) into the app to get access 819 Rollingbrook Drive 13701 FM 3005 2103 North Main Baytown, TX 77521 Galveston, TX 77554 Liberty, TX 77575 to instant transaction alerts and the ability to turn your card off/on if you misplace it. See page 10 for more (281) 420-9660 (409) 737-5400 (936) 336-8703 information. Beechnut Galveston - Stewart Road Mid County 4648 Beechnut St 6501 Stewart Road 10607 Highway 69 Our Partners Set up your new debit card in Apple Pay®, Samsung Pay®, or Google Pay™ on your smartphone or smart device. Houston, Texas 77096 Galveston, TX 77551 Port Arthur, TX 77640 See page 10 for more information. (713) 839-8339 (409) 744-6353 (409) 729-0513 th th Conroe Hitchcock Pasadena Rust-Ewing Insurance* Monitor your account balance(s) from October 4 to 18 , as account balances and reconciliations may be 1192 W. Dallas 8128 Highway 6 6731 Spencer Highway 7900 Emmett F. Lowry Expwy delayed during this time. Suite A Hitchcock, TX 77563 Pasadena, TX 77505 Texas City, TX 77591 Conroe, Texas 77301 (409) 986-5541 (281) 487-4444 (409) 934-8000 Beginning October 4th, make sure that your loan payments are made out to Texas First Bank. You can mail (713) 482-4360 Hull Pearland payments to Texas First Bank, 3000 FM 1764, La Marque, TX 77568. Any payments on autopay will continue to Crystal Beach 7551 FM 834 East 2343 North Main Street Assurance One Insurance* be processed as is. 2385 Highway 87 Hull, TX 77564 Pearland, TX 77581 1470 Eldridge Pkwy Crystal Beach, TX 77650 (936) 536-6726 (281) 997-9600 Houston, TX 77077 Download and share the TFB Home app for anyone interested in a home loan. (409) 684-3523 (281) 596-9200 Katy Freeway Santa Fe Dickinson 11757 Katy Freeway 12402 Highway 6 4301 Highway 3 Suite 100 Santa Fe, TX 77510 SBA Lending - Arlington Dickinson, TX 77539 Houston, Texas 77079 (409) 925-2582 2225 E. Randol Mill Road (281) 534-2323 (281) 556-6443 Suite 422 Spring Arlington, TX 70611 Fannett Kemah 16522 Stuebner Airline 16831 Highway 124 1100 Highway 146 Spring, Texas 77379 Fannett, TX 77705 Kemah, TX 77565 (281) 376-4325 SBA Lending - Pearland (409) 794-3101 (281) 538-4483 2343 North Main Street Texas City Pearland, TX 77581 Friendswood La Marque - 1764 3232 Palmer Highway (281) 997-9600 111 West Parkwood 3000 FM 1764 Texas City, TX 77590 Friendswood, TX 77546 La Marque, TX 77568 (409) 948-1990 (281) 648-5626 (409) 986-557 Texas First Investment Center* The Woodlands 6501 Stewart Road Galleria La Marque - Oak Street 3000 Research Forest Drive Galveston, TX 77552 1535 West Loop South 407 Oak Street Suite 190 (409) 771-3050 Suite 120 La Marque, TX 77568 The Woodlands, Texas 77381 Houston, TX 77027 (409) 938-0200 (832) 813-7172 (713) 629-2800 League City Winnie *Investment and insurance products are not FDIC insured Galveston - Broadway 111 South Highway 3 210 Highway 124 or insured by any Federal Government Agency, not a deposit, not guaranteed by the bank, and may lose value. 2401 Broadway League City, TX 77573 Winnie, TX 77665 Galveston, TX 77550 (281) 332-6900 (409) 296-2111 (409) 762-7974 5 6 NEED-TO-KNOW COMPARE OUR ACCOUNTS BUSINESS CHECKING BUSINESS SAVINGS Ideal for businesses with a low number of monthly Earn competitive interest quarterly on your business OCT Over the weekend of October 4 - 6, 2019, your account will transactions. savings. transition to Texas First Bank, and your Business Online Banking • Enjoy 125 free processed items a month, $0.45 each • 6 free withdrawals a month, $3 for each thereafter Service will move to a new platform at www.texasf irst.bank. thereafter • Low monthly fee waived with minimum balance of • Waive a low $10 monthly fee with a daily balance of $300 or more 4 $3,000 or more • $300 minimum opening deposit • $100 minimum opening deposit BUSINESS ANALYZED CHECKING BUSINESS MONEY MARKET Great for high-volume businesses with more complex Business Online Banking Debit Cards Earn competitively tiered interest while maintaining banking or Treasury Management needs. On Friday, October 4th at 5:00 PM CDT, your account in Your new Texas First Bank Visa® debit card will liquidity. • No transaction limitations Preferred Bank’s Online Banking (OLB) platform and be mailed in September. You may activate • 6 free withdrawals a month, $20 for each thereafter mobile app will be deactivated and become active your card immediately, but you will not be • Low monthly and transaction fees with Texas First Bank on Monday, October 7 at 8:00 able to use the card until October 7th. Please • $15 monthly fee waived with daily balance of $2,500 • Link business accounts into a combined group AM CDT.