COMMERCIAL BANKING WELCOME PLAINSCAPITAL COMMERCIAL ACCOUNT CONVERSION GUIDE W H AT YO U N E E D TO K N O W

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1 COMMERCIAL BANKING WELCOME TO PLAINSCAPITAL COMMERCIAL ACCOUNT CONVERSION GUIDE W H AT YO U N E E D TO K N O W

2 Welcome to PlainsCapital Bank! We look forward to getting to know you. At PlainsCapital Bank, we strive to efficiently serve your financial needs and to make every experience you have with us an enjoyable one. PlainsCapital Bank is a large community bank with a 30-year history of strength and stability. We attribute our soundness to the caliber of our leadership team, the expertise of our bankers, and the loyalty of our customers. That loyalty speaks volumes it says that we always have our customers best interest at heart. As of October 8, you will have access to PlainsCapital Bank s 65 branch Jerry L. Schaffner President & CEO locations across Texas as well as new products and services including valueadded deposit accounts and advanced online and mobile solutions. Although we offer all the sophisticated services you d expect to find at a large national bank, we never lose sight of what our business is really all about working closely with you to help you achieve your financial goals. From October 5 through 8, we ll be converting your former The Bank of River Oaks, products and services to those of PlainsCapital Bank. In this guide, you ll find information on the conversion, including important dates and details about our deposit accounts, loans, and online and mobile banking offerings. Please take time to review the guide carefully. We know you may have questions during and after the conversion, and we re ready to help. If you need assistance, please don t hesitate to call us at or visit your local branch. Thank you for your patience during this transition. We look forward to being your financial partner and providing you with service beyond expectations! Sincerely, Jerry L. Schaffner

3 TABLE OF CONTENTS What You Can Expect Conversion Checklist Online Banking Online Account Transfers Bill Pay Mobile Banking Commercial Checking Business Money Market Business Certificates of Deposit Treasury Management Debit Cards Business Loans and Credit Account Transfers What You Need to Know About Overdrafts Posting Order Safe Deposit Boxes Checks and Routing Numbers Statements Voice Banking Frequently Asked Questions IMPORTANT DATES The Conversion of The Bank of River Oaks to PlainsCapital Bank will begin at 5 p.m. on Friday, October 5 and is scheduled to be completed by 8 a.m. on Monday, October 8. A special Preview Period will be available for Business Online Banking users starting September 24. Please note the following important dates and deadlines. SEPTEMBER 24 AT 8 A.M. Preview Period begins. Log in to the new Business Online Banking to verify access, establish entitlements, and validate any ACH or wire templates, as applicable, before October 5 to avoid any disruptions. OCTOBER 4 Deadline to submit ACH transactions prior to conversion. OCTOBER 5 AT 3 P.M. Last day to schedule bill payments prior to conversion. Deadline to submit Wire Transfers and Online Banking account transfers. Former The Bank of River Oaks Online Banking is retired and no longer accessible. Begin using your new PlainsCapital Bank Debit Mastercard. Your The Bank of River Oaks card will be deactivated on this date. OCTOBER 8 AT 8 A.M. Your new PlainsCapital Bank accounts are live! You may access your new Online Banking and sign up for Bill Pay, Mobile Banking, and Voice Banking services. Branches will be closed for the Columbus Day holiday, but Customer Service will be available from 7 a.m. to 7 p.m. at October 2018 Sunday Monday Tuesday Wednesday Thursday Friday Saturday COLUMBUS DAY

4 WHAT YOU CAN EXPECT Please see below for a quick summary of what s changing and what s not during conversion weekend. WHAT'S NEW OR CHANGING WHAT'S NOT CHANGING The features of your deposit accounts. You ll enjoy brand new deposit account types with PlainsCapital. See pages 9-11 The PlainsCapital Routing Number. PlainsCapital Bank s Routing and Transit number is , but the The Bank of River Oaks routing number will continue to be accepted. See page 15 Your new PlainsCapital Debit Mastercard. The Bank of River Oaks debit cards will be deactivated at 3 p.m. on October 5. New PlainsCapital Bank Debit Mastercards will be mailed starting Sept 19. See page 13 Your Online Banking login location. Starting October 8, visit PlainsCapital.com to log in to Online Banking. See pages 5-6 Your Online Banking password. You will receive a letter with temporary password as well as a unique Online Banking Company ID that you will need to use each time you login. See pages 5-6 Your Online Banking Account Transfers. Fund transfers you established in Online Banking will need to be re-established in PlainsCapital Online Banking. See page 6 Your wire transfer PIN If you currently place or verify wire transfers using a PIN number, you will be issued a new PIN after conversion. Between October 5 and when you receive your new PIN, please contact your banker directly for wire requests. New Mobile Banking App. You ll have access to PlainsCapital s Mobile Banking App. See page 8 Your Current Debit Card. Continue to use your current The Bank of River Oaks debit card through October 5 at 3 p.m. Your deposit account numbers. Your account numbers won t change (unless we ve informed you otherwise). Your loan account numbers. Your account numbers won t change (unless we ve informed you otherwise). Your accounts remain FDIC insured. All PlainsCapital deposit accounts remain insured by the FDIC up to the maximum amount allowable by law. Your Online Banking login ID. Your login ID won t change (unless we ve informed you otherwise), but you will need your new Company ID that will be included in a letter to be mailed on September 21. See pages 5-6 Your Bill Pay payees. Your established payees will be moved over to the PlainsCapital Bill Pay system; however, electronic person-to-person or account-to-account recipients will not move over. See page 7 Same great customer service. You ll continue to get the same great service you ve come to expect from your bank. The Voice Banking phone number. Update your contacts to reflect the PlainsCapital Voice Banking number: See page 16 Your statement delivery. You ll initially receive your monthly account statements in the mail as paper statements. To receive estatements, log in to Online Banking to sign up. See page 15 3

5 CONVERSION CHECKLIST BEFORE CONVERSION BEGINS Look for your new Online Banking Company ID in the mail starting Friday, September 21. If you believe you have not received your Company ID by September 28, please call us at You will use your Company ID each time you login. Log in to verify access, establish user entitlements, and confirm your payment templates on or after September 24 during our Preview Period. IMPORTANT NOTE: transfers, balances, transaction history, Bill Pay, ACH payments, wire payments, and account statements will not be active until the conversion is complete on October 8. Loan and CD history will be available on October 10. Carefully read the cover letter included with this booklet and review your recommended account types in the comparison charts on pages If you would like to select a different account type for any of your services with us, just visit any former The Bank of River Oaks branch. Ensure that your address and phone number on file with the Bank of River Oaks are correct. A valid phone number is required for authentication purposes when logging in to PlainsCapital Online Banking for the first time. You can verify/update your contact information by calling All Online Banking transactions must be completed by 3 p.m. on October 5. At that time former The Bank of River Oaks Online Banking will be retired and no longer accessible. Any recurring or future-dated online banking account transfers will not be converted. Print or download your electronic person-to-person or account-to-account payees and payment history for your records as this information will not be transferred to PlainsCapital Bill Pay. You will be receiving a new PlainsCapital Bank Debit Mastercard in the mail prior to conversion weekend. Please activate your new card, but continue to use your The Bank of River Oaks debit card until October 5. DURING CONVERSION WEEKEND If you have any questions, please contact Customer Service at We will be available to assist you with extended hours of operation from 9 a.m. to 3 p.m. on Saturday, October 6. AFTER CONVERSION Try out your new account types for 30 days. If you re unhappy with the features of your new account, just choose a different account from the options listed on pages 9-11 and call customer service at or visit any PlainsCapital Bank branch. If you have any questions, please call Customer Service at during normal business hours, Monday thru Friday from 7 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. Update your Voice Banking contact number to See page 16 for details. If you are an Online Banking user, update your Online Banking web bookmark to Log in to your new PlainsCapital Online Banking on or after Monday, October 8 and take a moment to verify your balances and sign up for electronic statements. See pages 5-6 for details on how to log in and where to find help. If you did not re-establish your account to account transfers during the Preview period, log in to PlainsCapital Bank Online Banking and re-enter your account transfers. Begin using your new PlainsCapital Debit Mastercard. All The Bank of River Oaks debit cards will be deactivated at 3 p.m. on October 5. If you did not receive a new PlainsCapital Debit Mastercard by October 3, call us immediately at Be sure to move any recurring payments to your new card and update your card information that may be stored on websites (i.e. office supplies, Amazon, memberships). See Page 13 for details. 4

6 ONLINE BANKING WHAT S NEW? After the conversion, you ll have a brand new Online Banking experience called Business Online Services (BOS). You'll notice: Real-time account alerts to keep you informed about balances, transactions, and much more Convenient access to all your online account services in a few easy clicks For security purposes, you ll be assigned a unique Company ID that you ll need to enter along with your Username each time you log in. You ll receive your Company ID in a separate letter from us on or after September 21. Remember to log in starting September 24 during our Preview Period to ensure your credentials, accounts, templates, and services have been converted correctly. BEFORE THE CONVERSION The deadline to submit a funds transfer before the conversion will be Friday, October 5 at 3 p.m. At 3 p.m. on October 5, Business Online Banking will be retired and become unavailable. LOGGING IN FOR THE FIRST TIME The first time you login, you ll need to authenticate yourself for security purposes. Primary User and Admins: Your business has been assigned one Primary User which will be indicated on your Company ID letter sent on September 21. During our Preview Period or after the conversion, the Primary User is responsible for setting the initial entitlements of other users including establishing Administrator (Admin) entitlements. Once the Admin entitlement has been given to a user, he or she may assist in setting entitlements for all other users. Login: To log in during the Preview Period, please visit our The Bank of River Oaks Conversion webpage at PlainsCapital.com/Conversion/Treasury. To log in on or after October 8, use the Online Banking login box at PlainsCapital.com. Company ID: Enter your new Company ID, which will be mailed to you in a separate letter on September 21. If you do not receive your Company ID letter by September 28, please call us at Username: Use your current username. Authenticate: To verify your identity, you ll need to authenticate with a phone call or text message for your safety. Just follow the instructions to complete authentication. If you have problems with authentication, call prior to October 8. After conversion call Temporary Password: You will enter your temporary password. We will communicate your temporary password in your Company ID letter that will be sent on September 21. HELP WITH BUSINESS ONLINE BANKING Starting October 8, we will have dedicated Online Banking customer support available to assist you Monday through Friday from 7 a.m. to 7 p.m. Just call us at for assistance. 5

7 ONLINE BANKING FEATURES PlainsCapital Online Banking provides secure online access to your account information anytime 24/7 at PlainsCapital.com. With Online Banking, you can: Check account balances Verify transactions, deposits, and withdrawals View current and past account statements View processed check images for the current statement cycle Transfer funds between accounts Request stop payments Download transaction history into Quicken or Quickbooks Online If you have any questions or would like to enroll in Online Banking, please visit PlainsCapital.com, stop by any branch location, or call us at on or after October 8. ONLINE ACCOUNT TRANSFERS Any recurring or future-dated account transfers will not be converted. On or after September 24, please take a moment to log in to your new PlainsCapital Online Banking and re-establish your account transfers. IMPORTANT NOTE: transfers, balances, transaction history, Bill Pay, ACH payments, wire payments, and statements will not be active until October 8. Loan and CD history will be available October 10. 6

8 BILL PAY DEADLINE TO SCHEDULE PAYMENTS The deadline to submit a bill payment prior to the conversion will be Friday, October 5 at 3 p.m. Payments submitted prior to this deadline will be processed the same day. PAYEES AND SCHEDULED PAYMENTS During the conversion, most payees and scheduled payments will be migrated to PlainsCapital Bank; however, future scheduled electronic payments such as person-to-person (P2P) and account-to-account (A2A) will not carry over to PlainsCapital s Bill Pay system. On October 8, please log in to PlainsCapital Online Banking and verify that all your payees and scheduled payments look correct. BILL PAY HISTORY After the conversion, you will have access to 12 months of Bill Pay history (except for person-to-person and accountto-account payments). If you have any questions about an older payment, just give us a call at HELP WITH BILL PAY If you need assistance after the conversion with Bill Pay, please contact us at READY TO TRY BILL PAY? If you re not a Bill Pay user, now is a great time to enroll in PlainsCapital Online Banking and Bill Pay. With Bill Pay, you ll enjoy secure, 24/7 online access to: Pay your monthly bills Track and view payment history online Store bill payee information Schedule payments up to a year in advance Receive ebills electronically Access Bill Pay through Mobile Banking If you re ready to enroll in Bill Pay, you can sign up through PlainsCapital Online Banking on or after October 8. 7

9 MOBILE BANKING With PlainsCapital Bank s Business Mobile Banking App, you can bank on-the-go with your Apple or Android mobile device. On or after October 8, please download the PlainsCapital Business Mobile App free from the App Store or on Google Play. 1 To access Mobile Banking, you must be enrolled in Online Banking. Be sure to log in to PlainsCapital Online Banking and establish your new password before attempting to log in to Mobile Banking. Use your Online Banking credentials to log in to Mobile Banking. Please note: You ll need to authenticate your identity with a Secure Access Code to register your mobile device for future use. MOBILE BANKING FEATURES Accessing your account information and making transactions is easier and more secure than ever with PlainsCapital Business Mobile Banking. From your mobile device or tablet, you can quickly: View account balances and transaction history Pay bills with Mobile Bill Pay Deposit checks with Mobile Deposit (for eligible customers) Establish and review funds transfers View and send secure messages and review account alerts Find nearby PlainsCapital Bank branches and ATM locations Call PlainsCapital Bank Customer Service MOBILE BILL PAY Mobile Bill Pay allows you to access your Bill Pay account via the PlainsCapital Business Mobile Banking App. You can submit bill payments and make transfers on-the-go from your mobile device or tablet. For your security, you must be enrolled in Bill Pay to access Mobile Bill Pay. Payees must be established in Bill Pay within Online Banking before they will be viewable in Mobile Bill Pay. MOBILE DEPOSIT With Mobile Deposit, eligible and enrolled PlainsCapital customers can deposit checks on-the-go through PlainsCapital Bank s Business Mobile Banking App. Mobile Deposit uses the camera on your mobile device to capture pictures of the front and back of your check so you can make a deposit anytime, anywhere. For information on eligibility and enrollment in Mobile Deposit, please visit PlainsCapital.com/Mobile. 1. Apple Pay is a registered trademark of Apple, Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co, Ltd. 8

10 COMMERCIAL CHECKING Based on your The Bank of River Oaks checking account type and your recent transaction and balance history, we ve done our best to recommend the PlainsCapital Bank commercial or business checking account that we think best suits your business needs. Please refer to the cover letter included with this guide for the specific PlainsCapital Bank checking account type(s) recommended to replace your The Bank of River Oaks checking account(s). Below you ll find a chart with details on the PlainsCapital Bank commercial and business checking account options available to you. You re free to select the account that best matches your business' unique needs. If you d prefer to choose a different account type than the one we ve recommended, just let us know. Stop by any former The Bank of River Oaks branch through October 5. Or give us a call at on or after October 8 and we ll be happy to update your account type. For current checking account rates, please visit PlainsCapital.com/Rates or your nearest branch location. Account Best if Your Business Has... Interest Treasury Management Services Online Banking Monthly Online Bill Payments 3 Commercial All Access High balances, high volumes, sophisticated treasury management needs None; Sweeps available 2 Access to full suite of advanced services Business Online Services (BOS) for Treasury Business Plus Moderately high balances and volumes, some treasury management needs None; Sweeps available 2 Access to basic services Business Online Services (BOS) for Treasury 10 at no charge Business Interest Basic banking needs, no treasury management needs, a desire to earn interest; Ideal for trusts and non-profits Yes; flat rate when balances exceed $5,000 None Business Online Services (BOS) at no charge 10 at no charge Business Basics Basic banking needs, lower volumes, no treasury management needs None None Business Online Services (BOS) at no charge 10 at no charge 1. Standard data fees from your mobile provider apply. 2. Sweep fees apply. Not FDIC-Insured. May lose value. No bank guarantee. $0.15; non-card transaction is $0.50; $1,000 in cash deposited is $ The fee for each additional: deposited item is $0.20; non-card additional coin roll beyond the monthly allowance is $ Each additional $1,000 in currency beyond the monthly allowance is $0.50 9

11 PlainsCapital Bank gives you the tools you need to manage your business checking account. Enjoy the following features on us no matter which account you choose. Business Debit Mastercard Unlimited use of PlainsCapital Bank ATMs Access to Online, Mobile 1, and Voice Banking Unlimited debit card transactions FDIC insurance up to the maximum amount allowable by law Per Item Monthly Allowance Monthly Change Order Allowances Minimum Opening Deposit Monthly Fee Balance To Avoid Monthly Fee Earnings Credit to Offset Fees Speak with PlainsCapital Bank Treasury Management respresentative for more information. Enhanced earnings credit rate 250 deposited items, Unlimited debit card transactions, 250 noncard transactions, $10,000 cash deposited 4 $10,000 currency and 10 coin rolls at no charge 6 $100 $15 $25,000 Included 100 deposited items, Unlimited debit card transactions, 100 noncard transactions, $5,000 cash deposited 5 $5,000 currency and 5 coin rolls at no charge 7 $100 $20 $5,000 average daily balance or combined balance of $25,000 with business money market/ savings None 150 deposited items, Unlimited debit card transactions, 150 noncard transactions, $5,000 cash deposited 5 $5,000 currency and 5 coin rolls at no charge 7 $100 $10 $3,000 average daily balance or combined balance of $25,000 with business money market/ savings None 3. Each additional bill payment, person-to-person payment, or external transfer is $1. 4. The fee for each additional: deposited item is transaction is $0.50; $1,000 in cash deposited is $1. 6. Each additional $1,000 in currency beyond the monthly allowance is $1.00. Each. Each additional coin roll beyond the monthly allowance is $

12 BUSINESS MONEY MARKET Your The Bank of River Oaks Commercial Savings or Money Market account will be converted to PlainsCapital's Business Money Market. Our Business Money Market allows you to earn a competitive interest rate while giving you easy access to your funds. Business Money Market Features $2,500 minimum opening deposit $2,500 minimum daily balance to avoid a $10 monthly fee Competitive, tiered interest rates Unlimited account access at PlainsCapital Bank ATMs Unlimited deposits Access to Online, Mobile, and Voice Banking Six transactions per statement cycle, no more than three of which may be checks, point-of-sale and/or merchant check card transactions. Thereafter, a fee of $10 per withdrawal applies. BUSINESS CERTIFICATES OF DEPOSIT PlainsCapital Bank will honor the existing rate and terms on The Bank of River Oaks Business Certificates of Deposit (CDs) until they mature. When you re ready to renew or if you are looking for a new CD now, PlainsCapital offers a variety of CDs to meet your financial needs. For current rates, please visit PlainsCapital.com/Rates or your nearest branch location. BUSINESS CD FEATURES All PlainsCapital Bank Business CDs include the following features: $1,000 minimum opening deposit Flexible terms from seven days to five years available at varying market rates Fixed and variable rates available Automatically renew or cash in at the end of the term TREASURY MANAGEMENT If you are currently enrolled in any of the following Treasury Management services, you will be contacted directly by your Treasury Management Representative to transition your services. If you have not been contacted by September 24, please let us know at or treasurymanagement@plainscapital.com. If you are enrolled in any of our Treasury Management services, we encourage you to visit our Treasury Management conversion website at PlainsCapital.com/Conversion/Treasury to review tutorials of our new solutions prior to logging in. Online Wire Access Online ACH Access Positive Pay Remote Deposit Capture CD-ROM Statements Lockbox Services 11

13 PREVIEW PERIOD To avoid any disruption to your business processes, you ll be able to log in to PlainsCapital Online Banking beginning on September 24 for our Preview Period. We highly encourage all users to log in and get acquainted with the PlainsCapital system during this time. PRIMARY USER AND ADMINS Your business has been assigned one Primary User who will be indicated in your Company ID letter which will be sent on or around September 21. During our Preview Period, the Primary User is responsible for setting the initial entitlements of other users including establishing Administrator (Admin) entitlements. Once the Admin entitlement has been given to a user, he or she may assist in setting entitlements for all other users. If you have chosen dual control for payments and administration as part of our standard security, a second administrator will be required to approve all user roles and user settings. AVAILABILITY OF SERVICES Transfers, balances, transaction history, bill pay, ACH/wire payments, and statements will not be available on PlainsCapital Online Banking until 8 a.m. on October 8. These features will not be active during Preview Period. Loans and CD history will be available October 10. The deadline to submit ACH transactions on The Bank of River Oaks Online Banking is October 4. The last day to submit wire transfers and Online Banking transfers is October 5 at 3 p.m. TREASURY MANAGEMENT CHECKLIST During Preview Period: For Primary User and Admin Users: Primary User should log in and entitle other users by clicking on Administration -> Manage Users. Granting admin rights to a user will allow them to assist in setting entitlements for all other users. For Transaction Token Users: Due to the conversion, new tokens are required. We will contact you by September 24 to establish your new token. PINs can be established and tokens can be tested during Preview Period, however please remember that payments are not active in the PlainsCapital system until the conversion is complete on October 8. Verify your Wire and ACH Templates. We have made our best efforts to copy your ACH and Wire Transfer templates along with the account you customarily use with them. If you have used multiple accounts with a template, your default account may have changed. Please verify all template details including the account associated with each template to ensure your payments affect the correct accounts after the conversion. Validate your Positive Pay File Formats. Positive Pay issue files must be mapped after the conversion is complete on October 8. However, it is recommended to validate your format during Preview Period to avoid any undue delays. Please validate your format by clicking on Account Services -> Import Issues -> Add a File Definition. After the Conversion: PlainsCapital Online Banking is Live. Log in and verify account balances and transaction details. History and check images will be available from October 2017; however, it may take several days for the complete history to load. Review Reporting Tools. With transaction activity now available, please navigate our reporting tools to get familiar with searching and reporting on the information you need. Review Statements. Navigate to Reports -> Statements & Documents to ensure statements are available. Certain statements may not be available online immediately. We will be working to include up to 7 years of previous statements. You may now elect to turn off paper statements in Business Online Banking. 12

14 Establish Account Alerts. The Business Online Banking solution has a variety of alerts to help you manage your accounts and payments. Please visit PlainsCapital.com/Conversion/Treasury for more details. When you are ready to begin, log in to Business Online Banking and go to Administration -> Manage Alerts. We are here to help! Please contact your designated Treasury Management Representative directly, call us at , or us at tmsupport@plainscapital.com for help with your new services. DEBIT CARDS Your existing The Bank of River Oaks debit card will continue to work as usual until October 5 at 3 p.m., when all The Bank of River Oaks debit cards will be deactivated. New PlainsCapital Bank debit cards will be mailed starting September 19. You should receive your new debit card no later than October 3. If you do not receive your debit card by this date, please call us immediately at or stop by any PlainsCapital Bank branch on or after October 8. Please activate your new PlainsCapital Bank Debit Mastercard upon receipt, by calling , but continue to use your The Bank of River Oaks card until October 5. Your PlainsCapital Bank Debit Mastercard will not work until that date. On or after October 5, be sure to move any recurring payments to your new debit card. Also update your card information that may be stored on websites (i.e., office supplies, Amazon, memberships). BUSINESS LOANS AND CREDIT If you have business loans or lines of credit with The Bank of River Oaks, you may receive a letter outlining any changes to the terms and conditions of your account soon. LOAN NUMBERS Unless you ve heard otherwise from us, your loan number will remain the same. LOAN PAYMENTS After conversion, you'll begin to receive billing statements from PlainsCapital Bank for your loan or line of credit. Please make your loan payments per the billing statements. If you established automatic payments for your loan, those will be automatically transferred to PlainsCapital. If you have any questions about your business loan, please contact your loan officer directly or stop by any PlainsCapital Bank branch for assistance. CREDIT CARDS Please continue to use your The Bank of River Oaks credit card as usual. You may continue to make credit card payments as usual. You will be issued a PlainsCapital Bank credit card when your current card expires. 13

15 ACCOUNT TRANSFERS If a branch representative established scheduled funds transfers between your accounts for overdraft protection, safe deposit box payments, IRA payments, or interest payment transfers, your transfers will be seamlessly transitioned to your new PlainsCapital account. If you established funds transfers through Online Banking, the deadline for transfers is 3 p.m. on October 5. You will need to re-establish any future or reoccurring transfers in your new PlainsCapital Bank Online Banking on October 8. WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS WHAT IS AN OVERDRAFT? An overdraft occurs when you do not have enough money in your account to cover a transaction. Overdrafts can result from check, ACH, draft, ATM, point-of-sale (POS), or other electronic means authorized by the customer. PlainsCapital Bank has no obligation to pay any item or honor a withdrawal from your account unless your account contains sufficient available funds. If PlainsCapital does pay the item or honor the withdrawal, a $35 fee will be charged for each transaction resulting in an overdraft. OVERDRAFT PROTECTION TRANSFERS Overdraft Protection Transfers allow you to link your checking account to another checking account, savings account and/or line of credit for overdraft coverage. If your checking account is overdrawn, funds will be transferred from the linked account to cover the overdraft. There is no charge to sign up for overdraft protection transfers, and you ll only pay for it if you use it. Requires a secondary account or line of credit with PlainsCapital Bank There is a $5 fee for each day in which a transfer is made to cover the overdrawn balance Benefits of Overdraft Protection Transfers No enrollment fees Customers are only charged if they use the service Fees are significantly less than our NSF/OD fees as well as fees from collection agencies for returned checks Limitations of Overdraft Protection Transfers Customers are only covered up to the balance of their linked account or the available balance on their line of credit. Interest will be charged on a line of credit until balance is repaid. Transfers made from a Money Market account will count towards one of the six withdrawals/transfers free per month. Money Market accounts must also maintain the $2,500 minimum balance to avoid the monthly fee. Transfers made from a Savings account will count towards one of the six withdrawals/transfers free per quarter. Savings accounts must also maintain the $100 minimum balance to avoid the monthly fee. POSTING ORDER Our posting order for debits may be different than what you have experienced in the past. Please refer to the Consumer Deposit Account Agreement and Services Disclosure under the section heading Order of Payment to review how your items will post to your account beginning October 8, For items such as ACH debits, drafts, bill payments and checks, we have chosen to present these items for payment against your account in an order that prioritizes important payments such as your mortgage/rent, automobile, or insurance payments before other smaller items. 14

16 SAFE DEPOSIT BOXES If you have a safe deposit box at a The Bank of River Oaks branch location, rest assured there will be no changes to your box. Your annual rent will remain the same for your current term. Please see the enclosed Deposit Account Agreement and Services Disclosure for a full list of Safe Deposit Box pricing. CHECKS AND ROUTING NUMBERS After the conversion, your existing The Bank of River Oaks checks will continue to work as usual with your new account. Although the The Bank of River Oaks routing number will be honored in the future, we encourage you to update your routing number with PlainsCapital Bank's routing number: On scheduled ACH transactions to or from your account, PlainsCapital will notify the other party that they need to update the routing number on future transactions. GET $100 OFF YOUR FIRST ORDER OF CHECKS For a limited time, as a special thank you for your business, we'd like to offer you $100 off your first order of commercial checks featuring the PlainsCapital Bank logo and routing number. Between October 8, 2018 and December 31, 2018, please contact any branch location or place your order directly with Harland Clarke, PlainsCapital's check printer, by calling Please use the PlainsCapital Bank Routing Number If you have any questions or need assistance with your check order, stop by any PlainsCapital Bank branch on or after October 8 or call us at STATEMENTS You will initially receive your statement at the mailing address on your account. If you ever need to retrieve an old statement, our staff can access your past statements. estatements If you prefer to receive your statements electronically, simply log into Online Banking on or after October 8 to enroll in estatements. With estatements, you can: Receive an notification when your monthly statement is available View your statements securely with PlainsCapital Bank's Online Banking Store your statements electronically in PDF format We will be working to include up to seven years of past statements Print your statements whenever necessary If you have any questions regarding your PlainsCapital Bank account statements, or to enroll in estatements, stop by any branch or call us at on or after October 8. 15

17 VOICE BANKING Be sure to update your phone s contacts with the PlainsCapital Bank Voice Banking line starting October 8. Whether you're at home, at work, or on the go, it's easy to access your account information any time 24/7 with Voice Banking. Just dial from any phone to: Check your current account balances Review posted transactions, deposits and withdrawals Transfer funds between your accounts Report a lost or stolen debit card Reorder checks ACCESSING VOICE BANKING FOR THE FIRST TIME The first time you dial in to Voice Banking, you ll be directed to verify your identity. Then, as an added layer of security, you ll need to create a new Personal Identification Number (PIN) to access your account information. Your PIN should be between four and six digits in length. If you have any questions about Voice Banking or if you need assistance, please don t hesitate to press 0 to be transferred to a customer service representative during normal business hours, Monday thru Friday from 7 a.m. to 7 p.m. and Saturday 9 a.m. to 1 p.m. FREQUENTLY ASKED QUESTIONS When is conversion weekend? The conversion will take place October 5 at 5 p.m. through October 8 at 8 a.m. What is Preview Period? Preview Period is a chance to "test drive" the PlainsCapital Bank Business Online Services platform, create user entitlements, and verify wire templates, ACH templates, and Positive Pay file formats in advance. When is Preview Period? Preview Period begins September 24 and continues through October 5. What is a Primary User? Each business has been assigned one Primary User as indicated on your Company ID letter, which will be mailed on September 21. During our Preview Period or after the conversion, the Primary User is responsible for setting the initial entitlements of other users including establishing Administrator (Admin) entitlements. Once the Admin entitlement has been given to a user, he or she may assist in setting entitlements for all other users. What is a Secure Access Code? A Secure Access Code is a one-time use code that allows you to authenticate your identity and securely log in to Online Banking. When you follow the first time login directions (see page 5), we ll deliver your unique Secure Access Code to you instantly via phone call or SMS text based on the information you have on file with us. Will my business debit card work during and after conversion weekend? Your The Bank of River Oaks debit card will be fully functional up until October 5 at 3 p.m. All The Bank of River Oaks cards will be deactivated October 5 at 3 p.m., at which time you should begin using your PlainsCapital Bank Debit Mastercard. 16

18 Will ATMs work during conversion weekend? Yes. PlainsCapital Bank and former The Bank of River Oaks ATMs will be functional during conversion weekend. How do I know what my new account type(s) will be? Based on your The Bank of River Oaks checking account type and your recent transaction and balance history, we ve done our best to recommend the PlainsCapital Bank account(s) that we think best meet your needs. Please refer to the cover letter included with this guide for the specific PlainsCapital Bank account type(s) recommended to replace your The Bank of River Oaks account(s). What if I prefer a different account type than the recommended account? No problem! You re free to select the account that best matches your business' unique needs. If you d prefer to choose a different account type than the one we ve recommended, just let us know. Give us a call on or after October 8 at and we ll be happy to update your account type. Will my checks continue to work? Yes. Your The Bank of River Oaks checks will still be honored on your new PlainsCapital Bank account. What is PlainsCapital Bank s Routing and Transit number? PlainsCapital Bank s routing number is When you order new checks, please use PlainsCapital s routing number. Until then, your existing checks with the The Bank of River Oaks routing number will continue to work. How much account history from my The Bank of River Oaks accounts will be transferred to PlainsCapital Bank? Your account history since October 2017 will be transferred to PlainsCapital Bank and will be accessible via Online Banking, Voice Banking, Mobile Banking, and by our staff. Will my account number or loan number change? Generally no. Most customers will maintain their existing account and/or loan numbers. Only a very small number of customers will be issued a new account or loan number, and we ll be reaching out to those customers prior to the conversion. Will the interest rate on my deposit account change? All checking, savings, and money market accounts will be paid PlainsCapital Bank s current posted rates after the conversion. The Bank of River Oaks CD rates will be honored through maturity. For current deposit account rates, please visit PlainsCapital.com/Rates or your nearest branch location. Will my Certificate of Deposit (CD) change? No. PlainsCapital Bank will honor the rate and terms on existing CDs you opened with The Bank of River Oaks until they mature. 17 Will my Online Banking username and password change? Unless you hear otherwise from us prior to conversion weekend, your Online Banking username will not change. You will need to use your temporary password and then create a new password the first time you log in to PlainsCapital Online Banking. You will also need to use your new Company ID. We will mail you a letter with your Company ID and temporary password configuration on or around September 21. What will happen to my recurring account transfers? Funds transfers established by bank representatives between accounts for overdraft protection, safe deposit box payments, IRA payments, or interest payment transfers will be seamlessly transitioned during the conversion. Funds transers you established in Online Banking should be re-created in PlainsCapital Online Banking after the conversion.

19 What will happen to my Bill Payments? The Bank of River Oaks bill payment system will be retired effective 3 p.m. on October 5. As of October 8, you will be able to enroll in PlainsCapital's Bill Pay system. During the conversion, most payees and scheduled payments will be migrated to the PlainsCapital system. However, future scheduled electronic payments such as person-toperson and account-to-account will not carry over to PlainsCapital Bank's Bill Pay system. On October 8, please log in to PlainsCapital Online Banking and verify that all your payees and scheduled payments look correct. Will I have access to my past account statements? Yes, we will be working to give you access to seven years of statement history. What is the number for Voice Banking? The PlainsCapital Bank Voice Banking line will be available to you starting October 8 at How do I access Mobile Banking? PlainsCapital Bank offers the PlainsCapital Business Mobile App for your Apple or Android mobile device. Just visit the App Store or Google Play to download the app on or after Monday, October 8. You must be an OnlineBanking user to access PlainsCapital Mobile Banking, and you should use your Online Banking login credentials. What is Mobile Bill Pay? Mobile Bill Pay allows you to access your Bill Pay account via the PlainsCapital Business Mobile App in order to submit bill payments and make transfers on-the-go from your mobile device or tablet. How do I access Mobile Bill Pay? You must be enrolled in PlainsCapital Online Banking and Bill Pay to access Mobile Bill Pay. Once you re enrolled, Bill Pay will be accessible via your Mobile Banking App. Please note that you must establish your payees via Bill Pay in Online Banking before they will be accessible in Mobile Bill Pay. What is Mobile Deposit? With Mobile Deposit, eligible and enrolled PlainsCapital Bank customers can deposit checks on-the-go through PlainsCapital Bank s Mobile Banking App for Apple or Android. Who is eligible for Mobile Deposit? For information on eligibility and enrollment in Mobile Deposit, please visit PlainsCapital.com/Mobile. 18

20 LOCATIONS PlainsCapital Bank has 65 locations in 30 cities across Texas to serve you. For a detailed list of branch and ATM locations, please visit PlainsCapital.com or download the PlainsCapital Mobile Banking App from the App Store or Google Play. Lubbock Fort Worth Dallas Austin Houston San Antonio Corpus Christi Coastal Bend McAllen Upper Rio Grande Valley Brownsville Lower Rio Grande Valley PLAINSCAPITAL.COM PlainsCapital Bank, Equal Housing Lender, Member FDIC