39023 Conversion Booklet_web

New! Debit Card Rewards NO PIN, you win! You’re automatically enrolled! Earn 1 point for every $2 spent when you run your card as a credit-based, non-PIN transaction. Redeem points for merchandise, gift cards, travel, or even cash back! Points expire after 3 years. To check or redeem points, visit fnbwaterloo.bank/fnb-debit- mastercard . New! Digital Wallets Pay the easy way with Apple Pay®, Google Pay™, or Samsung Pay®! Make payments in person, on the web, and in apps! Once you activate your new Debit Mastercard®, register your card with your phone’s mobile wallet or from the mobile app – it’s that easy! New! Visa® Credit Cards We offer a variety of flexible Visa® Credit Cards to meet your needs. Plus, you can make your payment at any banking center. Certain cards earn reward points with each transaction and you can use your points for statement credits, merchandise, gift cards, or travel perks. CERTIFICATE OF DEPOSIT (CD) & INDIVIDUAL RETIREMENT ACCOUNT (IRA) Your current Village Bank CD and IRA terms, yields, and conditions will remain the same until maturity. Upon maturity, we will automatically convert your account to a First National Bank of Waterloo CD or IRA according to the chart below at First National Bank of Waterloo’s interest rates and maturity terms. Start Date: Maturity Date Account #: Same as The Village Bank, unless you have been previously notified Grace Periods Once your CD or IRA matures, you have 10 calendar days to change the terms or withdraw your funds. Penalties After July 17, if you close your CD or IRA before maturity, an early closing penalty will be assessed. If your account has an original maturity date of: • 12 months or less, the penalty is three months of interest • More than 12 months, the penalty is six months of interest 16