Merger Sample Book

Dear Valued Customer,

On December 31, 2013 the holding company that owns Fidelity Bank purchased the holding company that owned First National Bank of Byers. Since that time, we have been working diligently to make the ownership transition as seamless as possible for you. Headquartered in Wichita Falls, Fidelity Bank has been serving the banking needs of North Texans since 2003. We are committed to continuing the same tradition of reliability, integrity and responsiveness that First National Bank of Byers customers have 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 Fidelity Bank brings will help enhance your overall banking relationship. Effective January 2, 2014, we expanded lobby hours as well as cut-off hours for same day credit at each FNB-Byers 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 the conversion of operating systems between FNB-Byers and Fidelity Bank scheduled to occur over the weekend of April 26, 2014. As expected, there will be some changes in accounts. This comprehensive Welcome Packet is designed to help you understand those changes by providing you with information about the products and services Fidelity offers—many of which were not available through FNB-Byers. It also includes information about your Fidelity 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,

Tommy McCulloch President, Fidelity Ban k

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