Business Banking Services

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1 Business Banking Services Welcome! This guide has been created to provide you with important information regarding your accounts. It includes specifics about your bank account transition and answers to questions you may have. Our team is always here should you have any questions. We are committed to making this transition as smooth as possible for you /18

2 QA & Questions and Answers Will my account number(s) change? Yes. Your account number(s) and bank routing number will change. You will receive a letter in early November with your Citizens National Bank account number and the Citizens National Bank routing number. Do I get a choice in the type of account available to me? Yes. Your account(s) will be transferred to a Citizens National Bank account(s) that most closely fits the features and benefits of your existing account(s). If you determine that a different account is more appropriate, simply call or a business banking specialist at (903) You may also visit your local branch to change your account type beginning November 13, Updates at a Glance Bank Name The name will change to Citizens National Bank. Account Numbers Your checking, money market, savings account, as well as some loan numbers, will change. Routing Number The bank routing number will change to Citizens National Bank s routing number, Debit Cards For now, continue to use your current USB debit card. You will receive your new debit card in early Online Business Banking Services Citizens National Bank offers robust online services for business, including wires, ACH, payroll, tax payments and more. You can register for Citizens National Bank Online Services at CNBTexas.com beginning on Tuesday, November 13, You will receive an with details the last week of October, if you currently use Union State Bank Online Banking. Checks For now, continue to use your current USB checks. In early 2019 we will be sending a letter, including three temporary checks, and instructions on how to go online and request your first discounted order of checks, if ordered through Harland Clarke. If you need checks before that letter arrives, just call or visit your local USB branch.

3 Can I continue to use my Union State Bank checks? Yes. In early 2019, you will receive a letter in the mail which will include three temporary checks with your new routing number and your new account number with instructions on how to order your new checks. If you order your checks from another vendor, be sure to give the new account number and bank routing number. Will I get a new debit card? Yes. If you currently have a debit card, with Union State Bank, you will receive a new debit card in early Your new PIN will be sent in a separate mailing soon after your new card arrives. Please use your current USB debit card until you receive further information. Does Citizens National Bank offer wires, ACH, payroll, and other online business services? Yes. Citizens National Bank offers these online business services and others. If you use Union State Bank Online Banking, you will receive an with details the last week of October. Do I need to update any automatic payments with my new bank routing and account number? Although Citizens National Bank will automatically provide notification to current direct deposit and auto-payment providers, we do recommend that you proactively update the bank routing and account number at your current direct deposit and auto-payment providers. Will there be any change to my checking and/or savings account monthly statements? You will receive a final statement from Union State Bank, effective November 9, Citizens National Bank will match your statement date as closely as possible to the date you currently have with Union State Bank. Do you provide Overdraft Protection Services? Citizens National Bank Accounts offer an Overdraft Privilege Option automatically available on our business checking accounts. Overdraft Privilege is a service the bank extends to customers who consistently keep their accounts in good standing. It is personalized to meet each checking account holder s needs. Instead of a fixed overdraft limit, your overdraft limit may change at any time. For more information regarding Overdraft Privilege, refer to page 22 in the enclosed disclosure booklet. What will happen to my safe deposit box? Your safe deposit box location, key entry, and fees will remain the same until your renewal date. You ll receive a separate letter with more information soon. What if I have questions not answered here? At Citizens National Bank, we put people first. If you have a question, call us at What about my Certificate of Deposit? Your account number will remain the same. Your term and rate will not change prior to your maturity date. You ll receive a separate letter with more information soon. Can I continue to use all eight Union State Bank locations? You may continue to use the USB locations plus the 28 Citizens National Bank locations beginning November 13, Will you be retaining the current branch staff? Yes. You will continue to bank with the same lobby staff that provided the excellent customer service to which you have become accustomed, plus the many members of the Citizens National Bank Customer Service Team.

4 Start Here! Look for your existing Union State Bank account in the listing of current Union State Bank account types below to find the name of your new Citizens National Bank account. Business Accounts: If your current Union State Bank Account is... Simple Business Non-Profit Business Interest Commercial Now Robust Business Your NEW Citizens National Bank Account is... Basic Business Basic Business with Interest Analysis Minimum Opening Deposit Interest Bearing Minimum Balance to Earn Interest No Monthly Service Fee Business Banking Online, Bill Pay, & Mobile Banking 1 FREE Citizens National Bank Debit Card FREE Citizens National Bank ATM Transactions Images of Checks in Statement Cash Management Services Available 1 Overdraft Programs Transactions Fees Public Fund DDA Public Fund Now The terms of your contract with USB will remain the same with CNB.

5 Your NEW Citizens National Bank Business Accounts Basic Business Basic Business with Interest Analysis Analysis with Interest $1,000 $1,000 OD Privilege 2 or OD Transfer 3 from other accounts $5 per transfer OD Privilege 2 or OD Transfer 3 from other accounts $5 per transfer OD Privilege 2 or OD Transfer 3 from other accounts $5 per transfer OD Privilege 2 or OD Transfer 3 from other accounts $5 per transfer No charge for first 200 paper items (includes items deposited). Additional items are $0.20 each. No charge for first 200 paper items (includes items deposited). Additional items are $0.20 each. Based on Analysis Based on Analysis Maximum cash deposits $5,000 per month; Currency handling fees may apply. Maximum cash deposits $5,000 per month; Currency handling fees may apply. 1 View accounts, transfer funds, pay bills, and more at no charge. Other Cash Management Services are available for a fee. Data and messaging rates apply from your wireless carrier. 2 Cash Management Services are available for a fee. 3 This feature is automatically available on our business checking accounts. New accounts will be assigned a overdraft limit for the first 30 days. After that, our dynamic limit may change at any time. Business limits may range from $0 to $2,500 maximum. If the account is overdrawn for 24 days, the limit will drop to $0. There is no monthly fee for this service. There is a fee of $32 (subject to change) for each overdraft created by check, ACH and recurring debit card transactions. (No limit on the total fees we will charge a business account for overdrawing.) Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. See our Overdraft Privilege Policy for complete details. 4 When you enroll in this service, available funds are automatically transferred from your other Citizens National Bank checking or savings account to cover you in the event of insufficient funds. $5/transfer; additional fees from savings account may apply. All monthly service charges will be waived until 12/31/2018.

6 Business Savings Accounts: If your current Union State Bank Savings Account is... Commercial Savings Non-Profit Savings Public Fund Savings Your NEW Citizens National Bank Savings Account is... Business Statement Savings Minimum Opening Deposit Minimum Balance to Avoid Service Charge Monthly Service Charge (If below Minimum) Withdrawal Limit per Month Fee per Withdrawal Over Limit ATM & Secure Online Banking Access, Mobile Banking 1 & estatements Commercial Money Market Commercial Tiered MMKT If your average balance is below $25,000 Business Money Market Savings Public Fund MMKT Commercial Tiered MMKT If your average balance is above $25,000 Business Platinum Money Market Keep this guide for future reference.

7 Your NEW Citizens National Bank Business Savings Accounts Business Statement Savings Business Money Market Savings Business Platinum Money Market $5,000 1 Data and messaging rates apply from your wireless carrier. $2 $1,500 $8 $15,000 $12 2 Up to 6 withdrawals per monthly statement cycle allowed including telephone or electronic transfers, check or point-of-sale transactions. This limit does not apply to the number of withdrawals you can make at an ATM, by mail or at a Citizens National Bank branch All monthly service charges will be waived until 12/31/2018. $2 each after 2 withdrawals/month $10 $10 Questions? If you have any questions about your new account or are interested in a different Citizens National Bank account, call or visit any of our locations on or after Tuesday, November 13, 2018.

8 Locations (Current as of 07/18) Questions? To locate the address and phone number of the nearest Citizens National Bank, visit CNBTexas.com. Citizens National Bank Union State Bank