WELCOME LETTER. Sincerely, Samuel R. Small, Jr. President

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2 WELCOME LETTER F irst Palmetto Bank is pleased to announce it has entered into an agreement to purchase the Bethune branch location from Sandhills Bank. We are excited about welcoming you and the talented employees of this branch to First Palmetto, and look forward to expanding upon our three existing locations in Kershaw County. As you may know, our bank was founded in 1904 in Camden, and we remain headquartered there today. By focusing on customer relationships and serving the needs of our communities for over a century, we have established ourselves as one of the oldest and largest banks headquartered in South Carolina. We have grown to 22 branches across the state, including several locations near Bethune (Kershaw 17 miles; Bishopville 15 miles; Camden 20 miles). We understand the customer has many options when placing trust with a banking partner, and we emphasize individualized service to earn your business. Beginning Friday, June 1 st, the Bethune branch of Sandhills Bank will convert to First Palmetto Bank, and we are committed to ensuring a smooth customer transition. The office will reopen Monday, June 4 th, as the newest First Palmetto Bank branch. Please review the contents of this Welcome Guide for reference during this transition period, and be on the lookout for any future correspondence from First Palmetto Bank. Until you receive further communication from First Palmetto, please continue banking as you do today. We look forward to meeting you, welcoming the employees of the Bethune branch to our team, and serving your banking needs for many years to come. Sincerely, Samuel R. Small, Jr. President 1

3 TABLE OF CONTENTS Welcome Letter 1 Important Dates 3 Our Branch Locations 4 Account & Statement Information 5 Online Enrollment & Account Access 7 Overdrafts & Overdraft Protection 9 Contact Us 10 2

4 IMPORTANT DATES PRIOR TO Friday, June 1 st June 1 st Friday June 2 nd Saturday June 4 th Monday Download Sandhills Bank Transaction History & Statements Save Online Bill Pay Information Withdraw cash for the weekend, if needed, from your Bethune ATM location 12:00 PM The Bethune branch will close. 3:00 PM Online Banking with Sandhills Bank disabled 3:00 PM The Bethune ATM terminal disabled 3:00 PM Sandhills Bank Debit Cards deactivated Final Account Statement through 6/1 from Sandhills Bank issued 2:00 PM First Palmetto Debit Cards become authorized for transactions after activation 2:00 PM The Bethune ATM terminal enabled as a First Palmetto ATM 2:00 PM to 5:00 PM The First Palmetto Support Center will be available for support at The Bethune branch drive thru opens at 8:30 AM and the lobby opens at 9:00 AM as First Palmetto Bank. Visit the Bethune branch for any questions that you may have Enroll in First Palmetto Online Banking, Mobile Banking & Bill Pay Contact the First Palmetto Support Center for help at

5 OUR BRANCH LOCATIONS Bethune 300 King St East Bethune, SC P: Bishopville 201 East Church Street Bishopville, SC P: Camden 407 East DeKalb Street Camden, SC P: Camden Dusty Bend 2310 North Broad Street Camden, SC P: Columbia Hardscrabble 4304 Hardscrabble Road Columbia, SC P: Columbia Forest Drive 3932 Forest Drive Columbia, SC P: Columbia Pontiac Two Notch Road Elgin, SC P: Darlington 206 Cashua Street Darlington, SC P: Irmo 7327 St. Andrews Road Irmo, SC P: Kershaw 301 North Hampton Street Kershaw, SC P: Lancaster 409 North Main Street Lancaster, SC P: Lexington 5321 Sunset Boulevard Lexington, SC P: Little River 1376 Highway 17 North Little River, SC P: Loris 4311 Main Street Loris, SC P: Lugoff 788 Highway 1 South Lugoff, SC P: Manning 111 North Brooks Street Manning, SC P: Mount Pleasant 1636 Highway 17 North Mt. Pleasant, SC P: Myrtle Beach th Avenue North Myrtle Beach, SC P: North Myrtle Beach 501 Highway 17 South North Myrtle Beach, SC P: Pageland 201 North Pearl Street Pageland, SC P: Summerville 211 North Main Street Summerville, SC P: Surfside Beach 2293 Glenns Bay Road Surfside Beach, SC P: West Ashley 5 Sumar Street Charleston, SC P: Hours of Operation All Branches 9:00 AM 5:00 PM Monday Thursday 9:00 AM 6:00 PM Friday Drive Thru opens 8:30 AM each day 4

6 ACCOUNT & STATEMENT INFORMATION On Friday June 1 st the transition to First Palmetto Bank will begin. Checking, Savings, & Money Market Accounts Account numbers WILL NOT change. Your new bank routing and transit (ABA) number is Your Sandhills Bank checks and deposit slips will process as normal through Friday, June 1 st. Beginning Monday, June 4 th, please visit your local First Palmetto branch location to order First Palmetto checks. If you would like identical checks to those you are currently using, please provide your order form from your existing Sandhills Bank checkbook. Account Statements Your final account statement with Sandhills Bank will be issued on Friday, June 1 st. This statement will include activity on your account up to final processing by Sandhills Bank. We will try to accommodate you by maintaining your existing statement cycle date. However, it is possible your statement date may be modified. Electronic Statements (estatements) In preparation for the upcoming transition, we suggest you download your previous electronic statements and transaction history from Sandhills Bank prior to Friday, June 1 st to ensure you have copies for future reference. This will ensure you have access to historical account information that is critical for income tax preparation. If you are currently enrolled in electronic statement delivery, your enrollment WILL NOT transition with the branch acquisition. Beginning Monday, June 4 th, you may enroll in Electronic Statements with First Palmetto Bank through Online Banking at Certificates of Deposit & IRAs Account numbers WILL NOT change. The terms and conditions of your existing Certificate of Deposit (CD) and/or Individual Retirement Account (IRA) will not change until maturity. First Palmetto Bank will mail you a maturity notice at least 20 calendar days prior to the maturity of your CD and/or IRA. First Palmetto Bank will not provide monthly statements for CDs or IRAs, but account activity may be accessed through Online Banking or the First Palmetto Mobile App. Safe Deposit Boxes Your current safe deposit box with Sandhills Bank will remain in the branch and become an account of First Palmetto Bank. Your safe deposit box number will not change. Billing and due dates will not change, and First Palmetto will honor the terms and conditions of your safe deposit box lease. Important! It is necessary for you to order new checks at your local branch beginning Monday, June 4 th. If your checks are ordered through a vendor other than First Palmetto Bank, they must be re ordered using the new routing/transit number (that will replace the old number): and new Bank name: First Palmetto Bank. Please call us or stop by your local branch for additional information. Special Note Deposit Account Features The features of your Sandhills Bank deposit account may be modified to a comparable First Palmetto Bank account plan. You will be notified in a separate mailing if the features of your existing account are changing. Additional information about First Palmetto Bank deposit plans are available in the Account Disclosures packet accompanying this Welcome Guide. 5

7 ACCOUNT & STATEMENT INFORMATION Direct Deposits & Direct Debits Direct deposits and direct debits currently set up through Sandhills Bank are scheduled to process without interruption after Friday, June 1 st. You should verify with all originators that your new First Palmetto Bank information is updated to the below: Bank Name: First Palmetto Bank Account Number: Your Existing Account Number New Routing/Transit (ABA) #: Effective Date: Monday, June 4th Address: First Palmetto Bank 407 E DeKalb St Camden, SC Important! Please contact us immediately or visit your local branch if you do not receive your scheduled direct deposits after Friday, June 1st. Home Equity Line of Credit (HELOC) You may continue to use the checks you currently have to access your Home Equity line until Friday, June 1 st. New checks may be requested at your local First Palmetto branch beginning Monday, June 4 th. Loan payment due dates will not change. If your line of credit payment is set for automated draft, you will begin receiving a billing notice from First Palmetto Bank. If you would like the draft to continue, please contact your local First Palmetto Bank branch. Loans Loan account numbers WILL NOT change. Beginning Monday, June 4 th, you may deliver your loan payment to any First Palmetto branch location, pay via transfer in Online Banking, or mail it to: First Palmetto Bank Attn: Loan Operations PO Box 861 Camden, SC The terms and conditions of your account will not change. Payment due dates will not change. If you currently receive a loan statement or billing notice, you will begin receiving a billing notice from First Palmetto Bank. If you currently have a coupon book, you will begin receiving a billing notice from First Palmetto Bank. Please destroy your Sandhills Bank coupon book when you receive your first billing notice from First Palmetto Bank. If your loan payment is set for automated draft, you will begin receiving a billing notice from First Palmetto Bank. If you would like the draft to continue, please contact your local First Palmetto Bank branch. Loan payments will be credited on the same business day received. If you used a third party bill payment vendor, please update the new bank name, bank address, and new routing/transit number ( ). A Notice of Mortgage Transfer will be sent in a separate mailing. Debit Cards Sandhills Bank Debit Cards will be replaced with First Palmetto Bank Debit Cards. You will receive your First Palmetto Bank Debit Card approximately one week prior to Friday, June 1 st. Complete the activation process for your newly issued First Palmetto Debit Card when you receive it. Instructions for activation are enclosed with the card. Your Sandhills Bank Debit Card will be deactivated at 3:00 PM ET on Friday, June 1 st. Your First Palmetto Bank Debit Card, after it has been activated by you, will be able to process transactions beginning Saturday, June 2 nd at 2:00PM. Your First Palmetto Bank Debit Card is subject to the following daily limits: $500 cash withdrawal per day from an ATM, and $1,000 in point of sale (P.O.S.) transactions per day. Important! Your new First Palmetto Bank Debit Card should arrive about one week prior to Friday, June 1 st. Please remember to activate your First Palmetto Bank Debit Card prior to your first use. Your PIN will be manually set by you at activation. 6

8 ONLINE ENROLLMENT & ACCOUNT ACCESS Online Banking Access to Sandhills Bank's Online Banking will be unavailable beginning at 3:00 PM Friday, June 1 st. You may enroll in First Palmetto Bank s Personal Online Banking beginning Monday, June 4 th using the enrollment procedures below: Consumer Online Banking Enrollment To enroll in Online Banking, visit Click on the Sign Up option at the bottom of the blue Online Banking login box located towards the upper right hand area of the website. STEP 1: Confirm Your Identity Select the Account Type from the Drop Down Box (Checking, Savings, Certificate of Deposit or Loan) and enter the account number. Complete your Tax ID Number (Social Security Number), PIN (the last four of your Tax ID), Date of Birth, and Address. Click Enroll. Review and accept the Online Banking Terms and Conditions by clicking the I Agree button. STEP 2: Create Account Sign On Username: Enter your desired Username. New Password: Enter your desired password. Your password must be at least 8 characters in length, contain at least 1 number, and at least 2 alpha characters (at least 1 uppercase character and at least 1 lowercase character). It is strongly suggested that you use at least 1 special character (!@#$%^&*.,<>) for a best security practice. Confirm Password: Re enter your password for verification purposes. Click Continue. Set your challenge questions using the drop down selections and type out your answers. Click Continue. If you desire to enroll in estatements for your account, please select the estatements radio button and then review the estatement Terms and Conditions. If you do not desire to receive estatements, simply click the Ask me later or Decline buttons depending upon your preference. If you accept the estatement Terms and Conditions, please click the box saying I have read and accept the electronic statements terms and conditions checkbox. Click Enroll. STEP 3: Access Your Account Once you have completed the enrollment process, you will be able to access your account immediately. You will login with the previously chosen username and password. Remember to always select Personal on the First Palmetto Bank homepage to login to your account. Your previous account history with Sandhills Bank will be unavailable. Commercial Online Banking Enrollment Currently, commercial clients do not have access to automated self enrollment for Commercial Online Banking. Please contact your local branch to complete the enrollment process for Commercial Online Banking. Bill Payment Sandhills Bank Bill Payments cannot be scheduled after Thursday, May 30 th. Payees and scheduled payments will not be converted from Sandhills Bank. We suggest that you print or save payee and payment information that you will need to enter into First Palmetto Bank s Bill Pay. All payees and scheduled payments may be entered beginning on Monday, June 4 th in the First Palmetto Bank Bill Pay system at Important! Remember to re enroll in online banking with First Palmetto Bank beginning Monday, June 4 th. Personal account customers may enroll beginning Monday at Customers with Commercial accounts must apply for Commercial Online Banking through your local branch beginning Monday, June 4 th. We suggest you download and save any transaction or statement history and Bill Pay information from your Sandhills Bank accounts prior to Friday, June 1 st. 7

9 ONLINE ENROLLMENT & ACCOUNT ACCESS ATM Access The Bethune branch ATM will be disabled at 3:00 PM on Friday, June 1 st and be converted to a First Palmetto Bank ATM by 2:00 PM Saturday, June 2 nd. Please make arrangements to withdraw cash you may require for the weekend from this terminal prior to Friday, June 1 st. Wire Transfers If you currently use wire transfer services at Sandhills Bank, please note the below information in the table. The new wire instructions will take effect on Monday, June 4 th. Mobile Banking & Mobile Deposit First Palmetto allows you to manage your money anytime, anywhere by giving you access to your account from our Mobile Banking App. The First Palmetto Mobile App, available for download through itunes (Apple) and Google Play (Android), allows you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or branch locations. You must first be enrolled in Personal Online Banking through First Palmetto Bank to use the Mobile App. First Palmetto Bank also offers Mobile Deposit Capture. Deposit your checks anytime, anywhere through our First Palmetto Bank Mobile App. Customers who have a personal checking or savings account are eligible for this service. Certain restrictions and fees may apply. Beneficiary Bank: First Palmetto Bank Beneficiary Bank Address: 407 E. DeKalb Street Camden, SC Beneficiary Bank ABA: Beneficiary Name: Name on Account Beneficiary Account Number: Your Account Number Important! If you will need cash during the weekend of Friday, June 1 st through the afternoon of Saturday, June 2 nd, please make arrangements to withdraw any cash you may require for the time period prior to June 1 st. To enroll in the First Palmetto Bank Mobile App, you must first complete your enrollment in Personal Online Banking. Once you have logged in to your Online Banking account, please click Profile in the top right hand corner of the screen. Then click the blue Enroll button located to the right of the Mobile Banking header text. Follow the on screen instructions to complete your enrollment and register your device. Popmoney Using Popmoney, you may electronically send or receive money from another person for a fee. If you have enrolled with Bill Pay, you will automatically have Popmoney access. You will have to add your contacts and their information before you can send money. 8

10 OVERDRAFTS & OVERDRAFT PROTECTION An overdraft occurs when you do not have enough money in your deposit account to cover a transaction. Overdrafts may be paid by us in one of two different ways: 1. We have standard overdraft practices which are described below and come with all deposit accounts. 2. We offer an overdraft protection line of credit which is also described below. 1. What are the standard overdraft practices that come with all First Palmetto deposit accounts? As a standard overdraft practice, we will consider as a discretionary courtesy and not a right or obligation, approving your reasonable overdrafts. This means we do not guarantee we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. We are not obligated to pay any item presented for payment if your account does not contain sufficient available funds (an NSF item), and any discretionary payment (or other negotiation or processing) by First Palmetto Bank of any NSF Item does not obligate First Palmetto Bank to pay any additional NSF Item or to provide prior notice of its decision to refuse to pay any additional non sufficient fund check or item. Failure to repay any negative balance including any and all fees and charges may result in the closing of your deposit account. We may authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number Automatic bill payments We do not authorize or pay overdrafts for the following types of transactions: ATM transactions Everyday debit card transactions The fees charged by First Palmetto Bank for overdrafts are as follows: We will charge you a fee of $34.00 per each time we pay or return an overdraft item. We will charge you a fee of $3.00 for each day your account maintains a negative balance. 2. What overdraft protection plans are available at First Palmetto Bank? First Palmetto Bank offers an overdraft protection line of credit, which is a loan that may advance funds to cover overdrafts. If you are interested in applying for First Palmetto s overdraft protection line of credit, please visit your local branch for further details. First Palmetto Bank will not offer Automated Overdraft Privilege for any deposit accounts transferring from Sandhills Bank. This means that Sandhills Bank deposit accounts transitioning to First Palmetto Bank that previously had Automated Overdraft Privilege will be subject to First Palmetto s standard overdraft practices described above. Overdraft protection lines of credit may be less expensive than standard overdraft practices. Please contact us if you have questions or require more information regarding the differences between Standard Overdraft Practices and Overdraft Protection Lines of Credit. 9

11 CONTACT US Call Us Toll Free Number Local Telephone Number Hours of Operation Lobby Hours Drive Thru Hours Mailing Address First Palmetto Bank PO Box 430 Camden, SC E Mail Address support@firstpalmetto.com Website Information 9:00 AM 5:00 PM Monday Thursday 9:00 AM 6:00 PM Friday 8:30 AM 5:00 PM Monday Thursday 8:30 AM 6:00 PM Friday Please continue to visit our website at for additional news and updates regarding this upcoming transition. We will periodically provide additional information that may be helpful for you, including frequently asked questions (FAQs), forms, disclosures, and additional notices. Our Education Center provides several helpful video tutorials regarding our Personal and Business Banking accounts. 10

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