CBT Merger

Central Bank and Trust Co. is soon to become RCB Bank on April 1.

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Merger Information:

What can you tell me about the merger?

This merger joins Central Bank and Trust Co. and RCB Bank to provide full financial services opportunities in 32 communities ranging from Kansas to Oklahoma, creating one leading provider of retail and commercial banking services.

Who is RCB Bank?

RCB Bank was established in Claremore, Oklahoma, and first opened its doors for business on Saturday, January 4, 1936, at 9:00 a.m. It was known then as Rogers County Bank and consisted of one branch.

The bank began as an entrepreneurship with L.S. Robson and George Davis during the days of the Great Depression. From day one in the lean times of the Great Depression, the Bank worked to become a strong and reliable financial institution within the community and those efforts quickly resulted in growth of the company.

The Bank ended the first year with a profit, a feat the Bank has repeated every year since.

In 1990, Rogers County Bank’s name was changed to RCB Bank due to its expansion outside of Rogers County and into surrounding counties.

Since the first acquisition in 1990, additional branches have been acquired or built to expand our footprint across Oklahoma and into Kansas.

RCB Bank strives to be recognized as a leader in customer service, a leader in cutting-edge banking technology and a leader within the communities we serve.

The purpose of RCB Bank is to meet the financial needs of our communities, its businesses and its customers. At the same time, RCB Bank is a responsible citizen and a business leader within the communities we serve.

Our motto, “That’s my bank!” was officially adopted as the Bank’s slogan in the 1970’s, along with the defining characteristics of our company: RCB stands for Relationships, Community and Boldness!

Relationships: Customer Service is our mission. At RCB Bank, we don’t just provide a service for our customers – we build relationships. We are ethical, trustworthy and sincere. We know our customers by name and they know us by ours!

Community: RCB Bank is a community bank. We don’t just sponsor an event, we participate. We are sensitive to the needs of our communities and we respond accordingly.

Boldness: RCB Bank is a bold bank! We embrace technology; employees are empowered and customers are rewarded. We are proud of the service we provide and the legacy we carry

Join the Excitement

We are pleased to announce that Central Bank and Trust Co. has been officially acquired by RCB Bank. Please continue banking as usual, including using your checks, as there is no change to the way you use your accounts. There is no change to your automatic payments and direct deposits at this time. You will continue to access your online banking through www.centralbank-kansas.com.

System Merge

There will be a system merge after close of business on March 29, 2019. During the month of February you will receive additional mailings regarding changes to your account. We believe you will be pleased with the products and services RCB Bank offers.

We understand that you may have questions regarding this merger, so we have compiled a list of questions and answers below for your reference. Click on one of the merger questions below to learn more.

Products and Services: Merger Frequently Asked Questions:

Have the branch hours of operation changed?

No. There will be no changes to Central Bank and Trust Co.’s branch hours at this time.

Do I need to get new checks or deposit slips?

No. You may continue to use your current supply of checks and deposit slips.

Can I still use my Central Bank and Trust Co. debit card(s)?

Yes. You may continue to use your existing Central Bank and Trust Co. debit card, including your PIN number for now. You will receive a new RCB Bank debit card and PIN before March 29, 2019, with an EMV chip that will provide enhanced security creating greater fraud protection. Do not use your new debit card prior to April 1, 2019.

Will any of my scheduled transactions (direct deposits, interest payments, ACH, etc.) be affected?

No. All scheduled transactions will continue uninterrupted. Effective April 1, 2019, you will need to update all auto-payments/direct deposits with RCB Bank’s routing number (103112594).

Will the routing number change for wires, ACH withdrawals or direct deposits?

Yes. Effective April 1, 2019, the routing number should be updated to RCB Bank’s routing number (103112594). Items will still process with the former routing number, but it should be updated to RCB Bank’s as soon as possible after April 1, 2019.

Will my regular scheduled bill payments or automatic payments be affected?

No. There will be no interruptions to regular scheduled payments.

Will my scheduled or automatic eBill payments be affected?

Yes. All payments setup with eBills will not be converted. If you have any payments setup with eBills, you will need to set them up again on April 1, 2019, or after.

Are there changes to the terms and conditions of my loan(s) or line(s) of credit?

No. The terms and conditions of your loan(s) and/or line(s) of credit remain the same.

Are there any changes to my existing Checking, Savings, Money Market or Health Savings Accounts?

RCB Bank will notify you by mail in February regarding any changes to your specific account(s). We believe you will be happy with the products and services offered.

Are there any changes to my existing Certificate of Deposit or Individual Retirement Arrangement Accounts?

No.

Will there be any changes to overdrafts?

No. Please see your Schedule of Fees for current overdraft fees.

Do I still make my loan payments at the same location?

Yes, you can continue to make your payments in person at any Central Bank and Trust Co. or RCB Bank location. Payments can also be mailed.

If you choose to mail your payment, send it to:

RCB Bank Credit Administration P.O. Box 189 Claremore, OK 74018-0189

Will this affect my automatic loan payment?

No, all automatic loan payments will continue uninterrupted.

What if I have a question about a loan payment or escrow account?

You can continue to direct loan and escrow questions to your local branch. Additionally, questions can be directed to the RCB Credit Department by phone at 855-226-5722 or by mail at P.O. Box 189, Claremore, OK 74018-0189.

Will the merger between the two banks affect FDIC Insurance coverage?

As of May 7, 2018, Central Bank and Trust Co. and RCB Bank are the same FDIC-insured institution. Deposits held under each bank are not separately insured, but are combined to determine whether a depositor has exceeded the $250,000 federal deposit insurance limit, per depositor for each account ownership category. For purposes of calculating aggregate deposits held in Central Bank and Trust Co., you should include deposits held in RCB Bank.

However, the FDIC has a special rule when two banks merge allowing customers’ deposits to be considered separately insured as if the two banks are still operating separately. This grace period is in effect for six months, possibly longer for Certificates of Deposit (CD). This will provide you with an opportunity to reorganize your accounts, if necessary, to ensure the accounts do not exceed the insurance coverage limit.

For information on FDIC insurance coverage, please visit the FDIC website at www.FDIC.gov/deposit/deposits or call 1-877-ASK-FDIC (1.877.275.3342).

If I have more questions, who do I call?

Please call or stop by your nearest banking office. Please share your questions with us. We want to make this transition as smooth as possible.

Questions regarding commercial loans should be addressed by your loan officer.

Account Access: Merger Frequently Asked Questions:

Will my Central Bank and Trust Co. account number(s) remain the same?

Yes. Your account number(s) will remain the same. We have identified a very small number of customers that will have an account number change. Those customers have already been contacted directly by our staff to ensure a smooth transition.

Will I still be able to access my account(s) online?

Yes. You will continue to access your Central Bank and Trust Co. online banking account(s) on wwww.centralbank-kansas.com using the same User ID and password until April 1, 2019.

The Central Bank and Trust Co. online banking system will be in view only mode starting Wednesday, March 27, 2019.

Can I still access my Central Bank and Trust Co. account(s) through mobile banking?

Yes, banking will be business as usual until the conversion on March 29, 2019. You can continue to use the same User ID and password when logging into your account(s) on the Central Bank and Trust Co. Mobile App. In February, we will be sending additional information explaining how and when these services will be affected.

FDIC Coverage: Merger Frequently Asked Questions

Will the merger between the two banks affect FDIC insurance coverage?

As of May 7, 2018, Central Bank and Trust Co. and RCB Bank are the same FDIC-insured institution. Deposits held under each bank are not separately insured, but are combined to determine whether a depositor has exceeded the $250,000 federal deposit insurance limit, per depositor for each account ownership category. For purposes of calculating aggregate deposits held in Central Bank and Trust Co., you should include deposits held in RCB Bank.

However, the FDIC has a special rule when two banks merge allowing customers’ deposits to be considered separately insured as if the two banks are still operating separately. This grace period is in effect for six months, possibly longer for Certificates of Deposit (CD). This will provide you with an opportunity to reorganize your accounts, if necessary, to ensure the accounts do not exceed the insurance coverage limit.

For information on FDIC insurance coverage, please visit the FDIC website at www.FDIC.gov/deposit/deposits or call 1-877-ASK-FDIC (1.877.275.3342).