A GUIDE TO YOUR PERSONAL ACCOUNTS, SERVICES AND OPPORTUNITIES. A relationship you can build on.

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1 A GUIDE TO YOUR PERSONAL ACCOUNTS, SERVICES AND OPPORTUNITIES A relationship you can build on.

2 WELCOME TO BANKING AT BMT This guide contains helpful information you need for conversion weekend, beginning at 3:00 pm on February 23 through February 25, 2018, when your Royal Bank America accounts convert to Bryn Mawr Trust. By reviewing these details carefully, you can assure a smooth and simple transition to BMT. 2

3 Key Milestones 4 When Royal Bank services end and BMT services begin. Important Conversion Information 5 Learn about checks, debit cards, direct deposits and other important services you rely on for your day-to-day banking. Your Online/Mobile Access 8 Bill Pay, online account history, passwords, first-time login and more. Your Accounts 10 Features of your BMT accounts, corresponding to the information provided with the list of your accounts on the back of the enclosed welcome letter. Your New Opportunities 12 New wealth management and insurance capabilities, as well as new strengths in mortgage lending. Your New Branch Network 14 Addresses and phone numbers for each location in our combined branch network. Questions? Prior to February 26: Contact your local Royal Bank branch or call On or after February 26: Contact your branch or call Bryn Mawr Trust at

4 KEY MILESTONES by Thursday, 2/22 Debit Card holders will receive a new Bryn Mawr Trust VISA Debit Card. (For use on February 26, 2018 or later.) Friday, 2/23 at 3:00 pm Royal Bank America branches close at 3:00 pm and remain closed Saturday. Royal Bank Online Banking and the Mobile Banking App will be available for view-only access. You will not be able to conduct transactions after 3:00 pm. Saturday 2/24 Sunday 2/25 Royal Bank branches remain closed through the weekend. You may continue to use your Royal Bank Debit Card through conversion weekend and up to 9:00 am on February 26. Online and Mobile Banking are available for view-only, non-transactional access. Monday, 2/26 Royal Bank branches reopen as Bryn Mawr Trust branches. You now have access to all Bryn Mawr Trust branches (see page 14 for a combined list of our branch locations). Bryn Mawr Trust Online Banking, Mobile Banking, Bill Pay and Telephone Banking become available. Your new BMT VISA Debit Card is available for transactions. 4

5 IMPORTANT CONVERSION INFORMATION Please make special note of items designated with a gold box, which may require action on your part. If you have questions or need assistance, contact your local branch or give us a call. Account Numbers Checks Direct Deposits and Automatic Transfers Debit Cards Account numbers will not change. Continue to use your current checks. When you place your next order, you will receive Bryn Mawr Trust branded checks. Established direct deposits and automatic transfers will continue uninterrupted. Replacement cards will be mailed on February 12. Please call us at if you have not received your new Bryn Mawr Trust VISA Debit Card by February 22. If you have recurring payments deducted from your Royal Bank Debit Card, or you have your card saved for use with other merchants for on-demand use, you must provide them with your new Bryn Mawr Trust VISA Debit Card number and expiration date to avoid interrupted payments. Your Royal Bank card will stop working at 9:00 am on Monday, February 26. On or after February 26, you must activate your new BMT VISA Debit Card by calling For your security, you must call to activate from a telephone number you have on file with Royal Bank. You will be asked to create a personalized PIN. Please note that BMT does not participate in the AllPoint network. 5

6 IMPORTANT CONVERSION INFORMATION (cont'd) Royal Bank Credit Cards Wires Your Royal Bank Credit Card(s) will continue to function without disruption. In March, we will mail your Bryn Mawr Trust replacement credit card(s). Incoming Wires: After conversion, all recurring incoming wires will be routed automatically to your Bryn Mawr Trust account(s). Outgoing Wires: May be initiated in one of two ways: 1) In person at any BMT branch location 2) By calling the Customer Care Center at once authorized properly* The cutoff time is 4:30 pm ET for outgoing domestic wires and 3:00 pm ET for international, Monday through Friday, excluding holidays. * A completed Agreement for Funds Transfer Services is required before initiating a wire transfer. Additionally, a Wire Transfer Authorization form is required to initiate wires by telephone. Forms can be obtained and completed at any branch location. Deposit Statements and estatements You will receive a final statement from Royal Bank with activity through Friday, February 23. It will include monthly fees and interest if applicable. Depending on your statement cycle, your first Bryn Mawr Trust statement may be for a shorter period. Royal Bank customers with estatements will not have access to prior Royal Bank statements through Bryn Mawr Trust Online Banking. Remember to print or download your transaction history and statements. As a convenience, you will have view-only access to Royal Bank Online Banking for transaction history and statements for a limited time. Beginning February 26, visit for details. If you want to receive estatements, you will have to enroll within BMT Online Banking on or after February 26,

7 Overdraft Protection Loans/Lines of Credit Automatic transfers from a linked savings or money market account used to cover checking overdrafts will remain in effect. Overdraft transfers from a linked line of credit will now be made in increments of $100. If you would like to have overdrafts paid when using your BMT Debit Card at an ATM or Point of Sale transaction, you can elect to opt-in and have Bryn Mawr Trust authorize and pay the item. To activate this service, visit your branch or call on or after February 26. There will be no changes to the terms and conditions of your loans or lines of credit. For your line of credit, you will receive your statement based on statement cycle, not based on activity. This may result in a minor change in your payment due date. Mortgage borrowers will receive a monthly billing statement. If you make payments by mail, please start using the following address on February 26: For Personal Loans: Bryn Mawr Trust, P.O. Box 61, Bryn Mawr, PA For Residential Mortgage Loans: Bryn Mawr Trust, P.O. Box 1160, Bryn Mawr, PA Review your first BMT Line of Credit statement to determine your payment due date. You can also make personal loan payments via Online Banking or at any Bryn Mawr Trust branch. Telephone Banking For 24/7 automated account information, call starting Monday, February 26. Enrollment is required; please follow the prompts for first-time user enrollment. To enroll, you must have a Bryn Mawr Trust VISA or HSA Debit Card, account number and Social Security Number. To speak with a bank representative at our BMT Customer Care Center, call and press option for our special merger options from 7:30 am to 6:00 pm ET Monday-Friday, or Saturday from * 9:00 am to 12:00 pm. In addition, you can still call your branch directly during normal business hours. For a complete listing of branch addresses and phone numbers, see page 14. 7

8 IMPORTANT CONVERSION INFORMATION Access to Royal Bank Online and Mobile Banking will become unavailable at 3:00 pm on February 23, Bill Payments cannot be scheduled after 3:00 pm on Thursday, February 22. Please plan accordingly if you need to perform any transactions. YOUR PERSONAL ONLINE AND MOBILE BANKING ACCESS BMT s state-of-the-art Personal Online Banking platform will provide you with 24/7 access to your accounts from your computer, smartphone or other mobile device. You will have access to your accounts with BMT Personal Online Banking starting Monday, February 26. Bill Pay customers will have all payees, future dated payments, recurring payments and bill payment history transferred automatically to the user s account in BMT Personal Online Banking. Transaction History For a limited time, you will be able to access the history of your Royal Bank accounts by going to beginning February 26. Download any online banking history and estatements for your records. This access is view-only and will contain only Royal Bank account information through Friday, February 23,

9 First Time Login for Personal Online Banking If you were an active Royal Bank Online Banking user in 2017, you will have a profile established in BMT s Personal Online Banking. Beginning Monday, February 26 at 9:00 am, you can log in to BMT Online Banking at using your existing Royal Bank Consumer User ID. Select Service Personal/Consumer Banking. At your first login, you will be asked to enter a password, which will be the last six digits of your Social Security Number. You can then establish a new password.!! When accessing the Personal Online Banking system for the first time, do not use the First time user? enroll in online banking link. Follow the prompts to re-enroll. For step-by-step instructions on how to Log In to your Personal/ Consumer BMT Online Banking, please visit Quicken /QuickBooks Quicken and QuickBooks users can receive online transition instructions at Mobile Banking For convenient access to your accounts on the go, you can begin using BMT s Mobile App starting Monday, February 26. Download the free Bryn Mawr Trust Mobile Banking App at the Apple App Store or Google Play. Select BMT Mobile Banking. WHAT S NEW Use our new Trends Financial Tool to consolidate financial information from other institutions in one secure location, so you can see your entire financial picture at a glance. Benefit from our later internal transfer cutoff time of 10:00 pm for same-day credit. You now have the freedom to make external transfers to other institutions (even from your phone). Running late? No worries with our later mobile deposit cutoff time of 8:00 pm for next-day availability. Enjoy our higher daily mobile deposit limit of $3,500. Enhanced security features. 9

10 CHECKING All personal checking accounts come with: Free VISA Debit Card Free Online Banking and Bill Pay Free Mobile Banking Free estatements No fee from BMT for transactions at non-bmt ATMs* BMT Free Checking No service charge fee, no minimum balance requirement, no per-check charges It s really, truly free YOUR ACCOUNTS There s a lot to like about checking and savings at BMT. With a varied lineup and attractive benefits, you can t go wrong! Proven Choice Interest Checking Tiered interest rates Avoid the $18 service charge fee with a minimum daily balance requirement of $2,500 during a statement cycle Centennial Gold 50 Checking Designed for customers over 50 Start earning interest on collected balances as low as $100 Avoid the $15 service charge fee with a minimum daily balance requirement of $100 during a statement cycle 10 * Surcharge fees by non-bmt ATM owners/operators may apply.

11 MONEY MARKET AND SAVINGS All savings and money market accounts give you: Unlimited transactions in person or at ATMs Free VISA Debit Card Free Online Banking and Bill Pay Free Mobile Banking Free estatements No fee from BMT for transactions at non-bmt ATMs* Personal Market Rate Account Tiered interest rates Avoid the $15 service charge fee with a $2,000 average daily balance requirement in this account, or $5,000 average daily combined balance requirement in personal checking, savings and money market accounts during a statement cycle Debit Card access when linked to a checking account Personal Statement Savings Account Earn interest on all balances Avoid the $5 service charge fee with a minimum daily balance requirement of $100 during a statement cycle OTHER SAVINGS CHOICES Certificates of Deposit/IRA CDs No changes to the rate or maturity date of current CDs At maturity, CDs will roll over into the closest reinvestment option offered by BMT At renewal, choose from Regular, Jumbo CDs or CDARs (multiple CDs offering enhanced FDIC Insurance coverage), all with attractive rates BMT has a grace period of seven (7) calendar days; BMT will honor your current ten (10) calendar day grace period at the first renewal of your certificate Note for customers with Royal Bank and Bryn Mawr Trust CDs: Please see page 27 in the enclosed Personal Account Disclosures for information on FDIC insurance coverage that may affect you, or visit for more details. Health Savings Accounts Tiered interest rates No service charge fees and no minimum balance requirements Important: See the reverse side of the welcome letter enclosed with this Guide for a listing of your Royal Bank accounts and the corresponding BMT accounts they will become on February 26. BMT offers other account options. Please visit us to review your financial needs and see if another account may better suit your banking requirements. * Surcharge fees by non-bmt ATM owners/operators may apply. 11

12 WEALTH MANAGEMENT Bryn Mawr Trust offers banking, investing, and financial advisory services to address the full range of your financial needs through Bryn Mawr Trust Wealth Management. YOUR NEW OPPORTUNITIES As the largest community bank in our western suburbs, BMT has more ways to make a real difference in your financial life starting with these new or enhanced services. Take advantage of the experience and skills of world-class specialists dedicated to managing, growing, and protecting your assets. Our services include: Private banking Trust administration Investment management Wealth transfer and financial planning Estate planning and administration Retirement services Tax services Brokerage services For additional details, please call

13 PERSONAL INSURANCE BMT Insurance Advisors Here is an opportunity to integrate your insurance coverage with your other finances to assist you in developing your ideal overall financial strategy. BMT Insurance Advisors, an insurance brokerage and risk management consulting division of BMT, helps protect your assets by building customized insurance portfolios to suit specific needs. We secure proposals from several highly rated carriers to find the optimal level of coverage and premium for your situation. Insurance products we offer include: Homeowners Automobile Valuable Articles Personal Excess/Umbrella Liability (limits available up to $100 million) Dwelling (including rental properties) Flood (primary and excess) Aircraft, Watercraft, and Recreational Vehicles Family Office Not-for-Profit Directors & Officers Liability We also offer specialized solutions for high net worth individuals and families. MORTGAGE FINANCING BMT has the strength and resources to take a more personalized approach to mortgage financing. The entire loan process happens locally with a team of dedicated Bryn Mawr Trust mortgage professionals. Whether you are buying your first home, building your dream home or just moving up, we are here with many financing options to meet your needs: Fixed and Adjustable-Rate Mortgages Refinancing Options Construction-to-Permanent Financing FHA Financing No Fee Pre-qualification Free First-time Homebuyer Education Bryn Mawr Trust, in an effort to promote fair and affordable housing in the communities we serve, offers our Neighborhood Opportunity Program. The Program is designed to assist individuals with limited income or within designated census tracts realize their dream of homeownership. Call us today at to learn more! For details or a quote, please call

14 PENNSYLVANIA Berks Shillington E. Lancaster Avenue YOUR NEW BRANCH NETWORK Here is the consolidated list of Bryn Mawr Trust branches that will be available to serve you starting Monday morning, February 26, For branch hours and directions, please visit Chester County Exton N. Pottstown Pike (Rte. 100) Kennett Square E. Street Road Paoli - 39 W. Lancaster Avenue (Rte. 30) Phoenixville Main Street West Chester Paoli Pike Delaware County Aston Pennell Road Brookhaven Edgemont Avenue Chadds Ford Baltimore Pike, Suite

15 Delaware County (cont'd) Chester - 23 E. Fifth Street Glen Mills - 31 W. Baltimore Pike Havertown - 18 W. Eagle Road Media - 22 W. State Street Newtown Square West Chester Pike (Rte. 3) Swarthmore Dartmouth Avenue Villanova E. Lancaster Avenue Wayne E. Lancaster Avenue Montgomery County Ardmore - 50 W. Lancaster Avenue Bala Cynwyd E. City Avenue Blue Bell Skippack Pike These branches will be closing on March 30, Signs will be posted in each location 90 days in advance of the closing date. Montgomery County (cont'd) Bridgeport W. Fourth Street Bryn Mawr (Main Office) 801 Lancaster Avenue Conshohocken Fayette Street East Norriton W. Germantown Pike King of Prussia W. Dekalb Pike King of Prussia E. Dekalb Pike Limerick - 33 W. Ridge Pike Narberth Montgomery Avenue West Norriton Egypt Road Willow Grove York Road Philadelphia County 6331 Castor Avenue W. Girard Avenue (Northern Liberties) Grant Avenue Ridge Avenue (Roxborough/Ivy Ridge) Walnut Street NEW JERSEY Camden County Blackwood Blackwood Clementon Road DELAWARE New Castle County Wilmington Rocky Run Parkway

16 2018 Bryn Mawr Bank Corporation Products and services are provided through Bryn Mawr Bank Corporation and its various affiliates and subsidiaries. Bryn Mawr Trust Wealth Management is a division of Bryn Mawr Trust. The Bryn Mawr Trust Company of Delaware is a subsidiary of Bryn Mawr Bank Corporation. Lau Associates LLC is a subsidiary of Bryn Mawr Bank Corporation. Insurance products are offered through BMT Insurance Advisors, a subsidiary of The Bryn Mawr Trust Company. Not available in all states. BMT Asset Management: Brokerage and some insurance products and services are offered through, and investment consultants are registered with, Cresap, Inc., member FINRA and SIPC. Not available in all states. Cresap, Inc. and Bryn Mawr Trust are independent entities. Investments and Insurance: Not a Deposit. Not FDIC Insured. No Bank or Government Guarantee. May Lose Value. Bryn Mawr Trust and its affiliates, subsidiaries, and vendors do not provide legal, tax, or accounting advice. Please consult your legal, tax, or accounting advisors to determine how this information may apply to your own situation. Questions? Prior to February 26: Contact your local Royal Bank branch or call On or after February 26: Contact your branch or call Bryn Mawr Trust at Member FDIC. BMT102-Bro-P