Bank Merger Sample

Murphy Bank

Welcoming You to a New Era of Community Banking

Dear Valued Customer, On December 31, 2013, the holding company that owns Murphy Bank purchased the holding company that owned Old Towne Bank. Since that time, we have diligently worked to make the ownership transition as seamless as possible for you. We are committed to continuing the same tradition of reliability, integrity and responsiveness that Old Towne Bank customers enjoyed for the last 108 years. While you will continue to be served by the same familiar faces that you have grown accustomed to, we believe that the added benefits that Murphy Bank brings will help enhance your overall banking relationship. As of January 2, 2014, we expanded lobby and cut-off hours for same-day credit at each Old Towne Bank branch. When our transition process is completed, you will have access to three additional branch locations and more ATMs for your banking convenience. The next step in this process is converting operating systems between Old Towne Bank and Murphy Bank, scheduled to occur over the weekend of April 26, 2014. As expected, there will be some changes to accounts. This comprehensive welcome packet is designed to help you understand those changes by providing you with information about the products and services Murphy Bank offers—many of which were not available through Old Towne Bank. It also includes information about your Murphy Bank account, account disclosures, office locations and contact information. If you find you still have questions, please do not hesitate to contact us. Thank you for your support during this process. We are proud to be your bank and look forward to serving your financial needs! Sincerely, Andrew Murphy President, Murphy Bank

www.mcompany.com

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What’s Changing Bank Name : The name will change to Murphy Bank. Account Number & Routing Number : The bank routing number will change to Murphy Bank’s routing number (see page 3). Debit Cards : You will receive new Murphy Bank debit cards (see page 4). Checks : Although your routing number will be changing, you may continue to use your existing checks until you order new checks (see page 12). Website : The Murphy Bank website is www.mcompany.com. Online Banking & Bill Pay : Murphy Bank offers two different online banking services: One for personal/small business and one for our business customers who require cash management options. Old Towne Bank consumer customers will need to re-enroll in Online Banking the week of April 28, 2014. Bill Pay customers may need to contact a personal banker to have their Bill Pay payees transferred after they re-enroll in Online Banking if they do not know their current Bill Pay ID (see page 5).

What’s Not Changing FDIC Insurance : Murphy Bank is FDIC insured. Branch Locations : The three Old Towne Bank locations will remain open and join Murphy Bank’s three other branches. Existing Employees : The existing employees will continue to serve your needs. Operating Hours : The lobby and drive- thru hours will remain the same. Phone Numbers : The phone numbers for the branches will remain the same. Service : You will receive the same level of service you expect, but now you will have more options.

Important Dates & Things To Do Prior to April 25 (if you are an Old Towne Bank Online Banking customer): Review and document any pending Old Towne Bank online banking transfers or bill payments and retrieve any eStatements needed from Online Banking.

Monday April 14 th

Look for your new debit cards in the mail this week if you have a current Old Towne Bank debit card. Debit cards can be activated and you can choose your Personal Identification Number (PIN) prior to April 25 but it will not be functional until April 25 at 5:00 p.m.

Friday April 25 th

Close of business: Old Towne Bank changes to Murphy Bank.

5:00 p.m. to April 28 at 2:30 p.m.: During conversion weekend, your new Murphy Bank debit card will be authorized under decreased limits. Those limits are $135 via ATM and $225 via Point-of-Sale. Daily ATM and Point of Sale limits will revert to normal limits at 2:30 p.m. April 28. Normal limits are $300 daily via ATM and $1,000 daily via point-of-sale.

Friday April 25 th

Monday April 28 th

8:00 a.m.: You may now bank at any of our six branches.

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Murphy Bank Money Market Checking Account Regarding your account ending in -123. Beginning at close of business April 25, 2014, your checking account referenced above will be a Murphy Bank Money Market Checking account. This account has limited check-writing privileges but a competitive interest rate. There is a minimum daily balance requirement of just $2,500 to avoid the monthly service fee and six free withdrawals per month.

NOTE : Federal regulation limits transfers from this account to another account or to third parties by pre-authorized automatic or telephone transfers to six per statement cycle period, with no more than six transfers by check or similar order to third parties. There is no limit on deposits or the number of withdrawals the customer can make at the ATM, by mail or in person at Murphy Bank.

Minimum to Open

$100

Minimum Daily Balance to Avoid Service Charge

$2,500

Monthly Service Charge

$10

Interest Rate Tier*

$2,500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000 and up

Withdrawals per Month Excess Withdrawal Fee

6

$10

However, rest assured that you have a choice. If you prefer to be moved to a different account, you may choose an account that better suits your needs. We will be happy to put you into the account of your choice. We have enclosed a listing of the checking account options we offer on page 9. Each of our checking accounts allows you to avoid the monthly service charge according to certain account requirements. If you choose to stay in the Money Market Checking account, there will be no action needed on your part. If you prefer a different account, please let us know. We want to emphasize to you that your relationship with us is very important, and we want to continue to provide the exceptional service to which you have become accustomed. Monthly Checking Statements All Old Towne Bank checking and savings accounts will have a statement prepared on the night of April 25. For most customers, this will be a partial month’s statement. After conversion, your next statement date will be as close to your current statement date as possible.

Due to partial statements and our desire to make sure you are in the best account possible, we will waive all service charges for three statement cycles. Beginning with your fourth statement cycle, standard charges will occur. Convenience Murphy Bank strives to provide you with convenient ways to manage your accounts and to get help when you need it: • A staff dedicated to providing outstanding customer service • 24/7 Automated Phone Banking • 6 Branches & 5 ATMs • Online Banking and Bill Pay • e-Statments • Mobile Banking: Text, web. apps

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Account Number & Bank Routing Number Change Beginning at the close of business April 25, 2014, your bank routing number will change to Murphy Bank’s routing number. Your account number will stay the same for your checking account.

The current Old Towne Bank routing number is 111909841, and the Murphy Bank routing number is 111924787. To the right, you will see an example of where these numbers are on a check and what the changes look like.

113100745 000123456

CURRENT ROUTING NUMBER NEW ROUTING NUMBER

CURRENT ACCOUNT NUMBER NEW ACCOUNT NUMBER

{

{

NEW ROUTING NUMBER: 111924787

{

{

11924787

1230123456

FDIC Protection Separate FDIC Coverage on deposit accounts is maintained for six months after the merger for customers who have deposits at both institutions. This will only matter if your combined total exceeds the standard maximum deposit insurance amount. A special merger rule exists for Certificates of Deposit (CDs) issued by an acquired bank. Separate insurance for CDs issued by the acquired bank is maintained until maturity.

IF...

AND...

THEN...

CD matures within six months after April 25, 2014

is renewed for the same amount and for the same term... is renewed for a different amount or term...

CD remains separately insured from accounts at acquiring bank until maturity

CD matures within six months after April 25, 2014

Separate coverage is provided only for the six months from the purchase date

CD does not mature within six months after April 25, 2014

Separate coverage ends upon maturity of the CD

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Debit Cards for Current Debit Card Holders During the week of April 14, watch for your new Murphy Bank MasterCard debit card to arrive in the mail. You may activate your card by calling the number listed on the label affixed to the front of the card. At this time, you will also select your 4-digit PIN. Although the card can be activated, it will not be operational until April 25 at 5:00 p.m.

Murphy Bank Fraud Monitoring & Alerts Murphy Bank is utilizing a debit card fraud-monitoring system to further protect our customers from debit card fraud. This system will guard your card from potential debit card fraud 24 hours a day, 365 days a year. If potential fraud is detected, the customer will be contacted via an automated telephone call. Transactions may be temporarily blocked until verification is completed. It is extremely important that you take time to update your phone number and address information with Old Towne Bank (prior to April 25) or Murphy Bank (after April 25). Current information will enable us to reach you as quickly as possible in the case of a fraud alert. The greeting for these calls will state: “This is the Fraud Detection Center calling to verify recent transactions on your Murphy Bank ATM/Debit Card account. If this is please press 1, if not press 2.” If you indicate by pressing 1 that you are the named cardholder, a verification of your 5-digit mailing zip code will follow. You will be able, by answering a series of questions, to let us know if the transaction in question is fraudulent. If

it is, the card will be blocked so that no other transactions can be authorized against your account. If you verify the transaction is a valid transaction, no further action will be required. If we try to reach you and cannot, we will leave a message with the toll-free telephone number to call us back, date and a personal 6-digit message code needed for the representative to locate the transaction in question. Murphy Bank will never request any unsolicited personal or account information by email, through the website or during a fraud monitoring call. Please do not give out any personal or account information via the internet, email or phone to any party that you do not believe to be legitimate. If at any time, you think your Murphy Bank MasterCard debit card has been compromised by potential fraud, loss or stealing, please call any one of our six locations during normal business hours. If we are not open, please call 1-800-554-8969 immediately.

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Online Banking & Bill Pay Features Online Banking & Bill Pay Features

What if I don’t currently use Old Towne Bank Online Banking but want to use Murphy Bank Online Banking? Beginning April 28, 2014, you may enroll for Murphy Bank Online Banking, Bill Pay, eStatements and Mobile Banking at www.mcompany.com. To inquire about Business Online Banking, please contact your account officer.

Beginning April 28, 2014, all Old Towne Bank users will have the opportunity to begin using Murphy Bank’s Online Banking. Murphy Bank has a vast array of features like Bill Pay, e-Statements, Mobile Banking and much more. Murphy Bank also offers Business Online Banking which has additional cash management features for our business customers. What will happen with my current Online Banking with Old Towne Bank? Murphy Bank will not be converting your existing Online Banking access over at conversion. The Murphy Bank registration process only takes a few minutes, and you may have access to all of our new features at the time you enroll. Is there a fee to use Murphy Bank Online Banking? No. There is no fee to use Murphy Bank Online Banking. What will happen to my current Bill Pay with Old Towne Bank? Murphy Bank will not automatically move over your current Bill Pay payees. However, after you enroll, if you know your Old Towne Bank Bill Pay Access ID, you may enter it into our Bill Pay Enrollment and be automatically tied to your old Bill Pay payees. If you do not know your Old Towne Bank Bill Pay Access ID, you may contact any Murphy Bank personal banker, and they can link your old Bill Pay payees to your new Murphy Bank Online Banking. Is there a fee to use Bill Pay? No. There is no fee to use Murphy Bank Bill Pay. Will more information about enrolling in Murphy Bank Online Banking & Bill Pay be available? Visit our website at www.mcompany.com and click on the “Enroll in Online Banking” graphic. This will take you to complete instructions for enrollment and linking your current Bill Pay payees. What’s different about Murphy Bank Online Banking compared to Old Towne Bank Online Banking? While you’ll still enjoy a user-friendly Online Banking experience like you had with Old Towne Bank Online Banking, Murphy Bank Online Banking offers such services as Mobile Banking where you can check balances, make transfers and see transaction history from your iPhone or Android mobile device. Murphy Bank offers mobile banking in three versions: Text Banking, Mobile Browser and downloadable Mobile Application.

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Schedule of Fees Debit Card Replacement Card Fee ...................................................................

Accounts Access ......................................................................................... Bill Payment ....................................................................................................... Safe Deposit Box Annual Rental and Service Fees 3x5 Box ................................................................................................................................ 3x10 Box ............................................................................................................................ 5x10 Box ............................................................................................................................ 10x10 Box ........................................................................................................................ Lost Key (locksmith re-key charge) ..................................... Deposit Bags (zipper) ...................................................................................... Disposable Bags ....................................................................................................... Collection Services Incoming Auto Draft ....................................................................................... Incoming/Outgoing Documentary .......................................... Incoming/Outgoing Domestic ......................................................... Incoming/Outgoing International ............................................ Balance of Account Bank Draft Account open <90 days ........................................................................... Statement Services Duplicate Statement .............................................................................. Statement Page Printout ............................................................................. Special Statement Cycle Cutoff ....................................................... Paper Statement with Basic Checking ................................. Wire Transfer Incoming Wire ............................................................................................................... Domestic ............................................................................................................................. International ................................................................................................................ $50.00 Fees may vary based on specific account features as well as overall account relationship and transaction activity. There may be additional charges for services provided not shown on this fee schedule. Please note that we reserve the right to change our fees and will provide advance notice to you should our fees or terms vary from the information described above. $5.00 $5.00 $15.00 No charge No charge $15.00 $25.00 $40.00 $60.00 $70.00 $5.00 Varies $10.00 $10.00 $10.00 $35.00 $10.00 $5.00 ea. $1.00 $5.00 Hold Statement ........................................................................ $5.00 per month Statement Returned Undeliverable ........................................... $5.00 Non-Standard Imaged Statement Layout ...................................................................................................... $2.00 per month

$5.00/card (Murphy Bank debit card)

Monthly Service F1 Services Account Reconciliation .....................................................................

$25.00/hr. ($25.00 minimum) $25.00/hr. ($25.00 minimum)

Account Research .....................................................................................

$22.50

Stop Payment ............................................................................................................. Deposited Item Returned ......................................................... Item Copy ............................................................................................................................. Returned NSF Item Fee ............................................................................. Paid NSF Item Fee ............................................................................................. Check Services Cashier’s Checks Customer .................................................................................................................... Non-Customer ............................................................................................... Lost Cashier’s Checks ................................................................................... Check Printing ............................................................................................................. Temporary Check ............................................................................................. Currency Services Individual Rolled Coin ................................................................................. Coin Sorting/Counting Customer ..................................................................................................... Straps of Currency ................................................................................. Other Services Account Closing Fee (within 90 days) .............................. Fax Service Fee Per Page Local ............................................................................................................... Per Page Long Distance ................................................................................ Legal Process Fee ................................................................................. Electronic Funds Transfer (EFT) Transfer Fee ...................................................................................................................... Notary Services Customer Only .............................................................................................. Photocopies ................................................................................................................ Murphy Bank Touchtone Banking .................................. Non-Customer ....................................................................

$2.00/item

$2.00

$25.00 $25.00

$2.00

$10.00 $15.00 Varies $.10 ea.

.08/roll

No charge

10% of amount

$.40/strap

$10.00

$2.00 $5.00

$25.00 plus research fees

$5.00

No charge

$.25 ea.

No charge

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Certificates of Deposit

What you need to know about your CD account: Interest Rate & Terms Your existing CD rate, term and maturity date will remain the same until maturity. Renewal or Maturity Notice

Your CD will automatically renew. At least 10 days prior to your CD maturity date Murphy Bank will send you a maturity notice in the mail. At that time, our staff can answer any questions you might have about your CD options that are available. You have 10 days after maturity to make changes to your CD without penalty.

CD TERM

PENALTY

Up to and including 12 months

90 days interest

Over 12 months

180 days interest

Your Ability to Withdraw Funds

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available.

If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months.

• There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

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Saving Accounts

We offer three different kinds of savings accounts for your individual needs. There’s never been a better time to start saving; let us help you start! Murphy Bank Savings Major purchases, education costs, a much-needed vacation-funds… Setting aside funds now can make a big difference later! Murphy Bank Money Market Account Limited check-writing privileges and a competitive interest rate make this account very attractive.

Minimum to Open

$100

Minimum to Open

$100

Minimum Daily Balance to Avoid Monthly Service Charge

$2,500

Minimum Daily Balance to Avoid Monthly Service Charge

$100

Monthly Service Charge Monthly Interest Tiers 2

$10

Monthly Service Charge

$3

$2,500- $24,999 $25,000- $49,999 $50,000- $99,999 $100,000 and up

Interest Paid on Balances 1 Withdrawals per Month Excess Withdrawal Fee

Yes

6

$3

Murphy Bank High-Yield Savings Want to earn a CD-like yield on your excess dollars yet remain completely liquid? Here’s the solution!

Withdrawals per Month Excess Withdrawal Fee

6

$10

Minimum to Open

$100

1 Interest is calculated using the daily ledger balance method. 2 No interest is paid on balance below the first tier level.

Minimum Daily Balance to Avoid Monthly Service Charge

$25,000

Get a $ 100 LOWES GIFT CARD when you refinance an existing home loan.

Hurry! This offer expires on June 30, 2014!

Monthly Service Charge Monthly Interest Tiers 2

$25

$25,000- $49,999 $50,000- $99,999 $100,000 and up

*Loan qualification and annual percentage rate (APR) are based on individual credit worthiness. Must include coupon with loan application and close between 5/1/14 and 6/30/14 to receive $100 Lowes gift card. Gift card will be mailed to you in 4-6 weeks. Cannot be used in conjunction with any other offer. Limited offer. Subject to change.

Withdrawals per Month Excess Withdrawal Fee

6

OFFICIAL USE ONLY LOAN # ___________________________ CLOSING DATE _____________

$10

NOTE : Federal regulation limits transfers from this account to another account or to third parties by pre-authorized automatic or telephone transfers to six per statement cycle period. There is no limit on deposits or the number of withdrawals the customer can make at an ATM, by mail or in person at Murphy Bank.

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Checking Accounts The checking accounts we offer are built for all types of customers and their specific needs. On page 2, we described the account you will have with us. Should you decide to pick a different checking account, please call us and we will be happy to make that switch for you.

MURPHY BANK BASIC CHECKING Easy to understand. Easy to use. A basic account for basic checking needs.

MURPHY BANK FIFTY- FIVE (55+) Enjoy free bank stock check plus other free or discounted banking services.

MURPHY BANK INTEREST CHECKING It’s affordable and it earns interest!

MURPHY BANK FLAGSHIP ACCOUNT Higher balances reap better rewards on this full service checking account!

Opening Balance

$100

$100

$100

$100

Unlimited Check Writing

Yes

Yes

Yes

Yes

Earns Interest 1

No

No

Yes

Yes, tiered levels: $0-$24,999 $50,000-$49,999 $50,000-$99,999 $100,000 and up

Minimum Balance Requirement

None

$100

$1,500

$25,000 checking only or combined balances from linked checking, savings or money market accounts CDs, IRAs or personal loans

Monthly Service Fee

$0

$0 with direct deposit $7.50 without direct deposit

$7.50

$25

Monthly Imaged Statement

e-Statement Required

No Charge

No Charge

No Charge

Imaged Items with Statement 2

No Charge

No Charge

No Charge

No Charge

Free Checks

No

Yes, bank stock

No

Yes, bank stock

Fidelity Debit Card 3

No Charge

No Charge

No Charge

No Charge

Fidelity Online Bill Pay

No Charge

No Charge

No Charge

No Charge

Other Account Advantages

25% interest rate discount for auto debit of payment on a new consumer loan

10% discount on Safety Deposit Box annual rental fee A .25% one-time per year interest rate bonus on a new CD

Earns interest on all checking balances A .25% interest rate discount for auto-debit of payment on a new consumer loan

10% discount on Safe Deposit Box annual rental fee A .25% one-time per year interest rate bonus on a new CD .25% interest rate discount for auto debit of payment on a new consumer loan

1 Interest is calculated using the daily ledger balance method 2 Imaged item fronts are present in standard format of 12 on a page. An additional fee me by incurred for alternative format presentation. 3 Some fees and restrictions associated with card usage

Want to do something good for the earth and convenient for you at the same time? With Murphy Bank e-Statements, you can view statements of all you accounts from anywhere you want, anytime you want. Turning on e-Statements does stop paper statements.

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Privacy Statement

FACTS What does Murphy Bank do with your personal information? WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. WHAT? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Account balance and payment history • Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice. HOW? All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share each customer’s personal information, the reasons Murphy Bank chooses to share and where you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION:

DOES MURPHY BANK SHARE?

CAN YOU LIMIT THIS SHARING?

For your everyday business purposes, such as to process your transactions, maintain your accounts, respond to court orders and legal investigations or report to credit bureaus Yes

No

For our marketing purposes to offer our products and services to you

No No No

No No No

For joint marketing with other financial companies

For our affiliates’ everyday business purposes, such as gathering information about your transactions and experiences For our affiliates’ everyday business purposes, such as gathering information about your creditworthiness

No

No

For our affiliates to market to you For non-affiliates to market to you

No No

No No

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WHO WE ARE Who is providing this notice? WHAT WE DO How does Murphy Bank protect my personal information?

Murphy Bank

To protect information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Employees are restricted access to your personal information unless on a “need to know” basis in order to provide products and services to you. We collect your personal information, for example, when you: • Open an account or apply for a loan • Pay bills • Make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, considering reporting agencies, or other companies. Federal law gives you the right to limit only: • sharing for affiliates’ everyday business purposes-information about your creditworthiness • affiliates from using your information to market to you • sharing for non affiliates to market to you State law and individual companies may five you additional rights to limit sharing.

How does Murphy Bank collect my personal information?

Why can’t I limit all sharing?

DEFINITIONS Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. • Murphy Bank has no affiliates

Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Murphy Bank does not share non-affiliates so they can market you. Joint Marketing A formal agreement between non-affiliated financial companies together market financial products or service to you. • Murphy Bank doesn’t joint market

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Frequently Asked Questions What is my new bank routing number? Murphy Bank’s routing number is 111924787. My paycheck is directly deposited weekly; do I need to notify my employer? Your direct deposit will continue to post to your accounts when they are converted to Murphy Bank accounts. Will I have a choice in the type of account available to me or will you choose one for me? Your accounts will be transferred to the Murphy Bank accounts that most closely fit the features and benefits of your existing accounts. After April 28, if you determine that another account type is more appropriate, simply contact any Murphy Bank personal banker to change your account type. May I continue to use my existing checks for my accounts? Yes, you may. Old Towne Bank checks will continue to clear for an undetermined amount of time after April 25. However, your bank routing number will change. When you reorder your checks through Murphy Bank, the routing number at the bottom of your checks will automatically change. If you order through another check vendor, you will need to provide them with your new routing number. Will the banking hours remain the same? Yes. Both the lobby and drive-thru hours at the current Old Towne Bank locations will remain the same as they are now. Will the bank staff remain the same? Murphy Bank plans to retain all employees at the Old Towne Bank locations. Therefore, you will continue to bank with the same individuals who have provided the outstanding customer service you have come to expect. Will there be changes to the terms of my Old Towne Bank loans? No. Your interest rate, payment amount, due date and terms will remain the same How does this affect my FDIC coverage? Your FDIC coverage at Murphy Bank is the same that you had at Old Towne Bank. When two or more insured banks merge, deposits for the purchased bank are separately insured from deposits at the purchasing bank for at least six months after the merger. This grace period gives

a depositor the opportunity to restructure his or her accounts, if necessary. Certificate of Deposits (CDs) from the purchased bank are separately insured until the earliest maturity date after the end of the six month grace period. CDs that mature during the grace period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the grace period. If a CD matures during the grace period and is renewed on any other basis, it would be separately insured only until the end of the six month grace period. Will the terms of my CD change? No. The interest rate and terms of any existing CD that you have at Old Towne Bank will remain the same. Please refer to the CD section in this book for complete product terms and conditions. When will I get my new payment book for my loan? Murphy Bank does not use coupon books. Billing notices are processed and mailed within 15 days of payment due dates. Payments can be made at any Murphy Bank location. You can continue to use your current coupon book for payments for the life of your existing loan. When will I receive my statement? All Old Towne Bank checking and savings accounts will have a statement prepared on the night of April 25. For most customers, this will be a partial month’s statement. After conversion, your next statement date will be as close to your current statement date as possible. Due to partial statements and our desire to make sure you are in the best account possible, we will waive all service charges for three statement cycles. Beginning with your fourth statement cycle, standard service charging will occur.

Get a $ 100 GAS CARD

Hurry! This offer expires on June 30, 2014!

Just bring this coupon to your nearest Murphy Bank branch and move your car loan from another bank or credit union.

*Loan qualification and annual percentage rate (APR) are based on individual credit worthiness. Must include coupon with loan application and close on auto loan between 5/1/14 and 6/30/14 to receive a $100 gas card. Gas card will be mailed to you in 4-6 weeks. Cannot be used in conjunction with any other offer. Limited offer. Subject to change. OFFICIAL USE ONLY LOAN # ____________________________ CLOSING DATE _________________

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Locations Along with our Old Towne Bank locations, Murphy Bank also has three other locations in Missouri. For more information regarding our locations and phone numbers, please visit www.mcompany.com. You can call us at any of the phone numbers listed below.

1. 505 N 7th St.

St. Louis, MO 63101 (800) 872-2657 2. 301 N Tucker Blvd. St. Louis, MO 63101 (314) 206-2370 3. 1050 Camp Jackson Rd. Cahokia, IL 62206 (618) 337-1555 4. 20 N Grand Blvd. St. Louis, MO 63103 (314) 533-1041 5. 1755 S Grand Blvd. St. Louis, MO 63104 (800) 872-2657 6. 8301 Gravois Rd. St. Louis, MO 63123 (314) 752-6265

4 5

1

2

3

6

Consumer Complaint Notice

TELEPHONE NUMBER (636) 394-2116 FAX NUMBER (636) 394-6871 E-MAIL info@mcompany.com WEBSITE www.mcompany.com

Murphy Bank is chartered under the laws of the State of Missouri and by state law is subject to regulatory oversight by the Missouri Department of Banking. Any consumer wishing to file a complaint against Murphy Bank should contact the Missouri Department of Banking through one

of the means indicated below: IN PERSON OR U.S. MAIL Missouri Department of Banking Consumer Complaints Administrator 9900 Page Ave., Ste. 101 St. Louis, MO 63132

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www.mcompany.com Murphy Bank

888.652.8648 mcompany.com

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