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1 CONVERSION GUIDE independent-bank.com

2 The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to deliver unparalleled personal service and quality financial products to our customers, which will result in our bank s growth, active support of our communities, rewarding careers for our employees and a superior return to our shareholders. Our goal is to become the bank of choice in each community that we serve. Today, over a century later, Independent Bank s dedication to serving the needs of individuals, businesses and communities remains stronger than ever. Independent Bank works to provide customers with innovative financial products and services, local decision making and a level of service and responsiveness that is second to none. Independent Bank s active and independent spirit is balanced by a devotion to the fundamental banking principles, enabling it to remain strong, sound and financially secure through both challenging and healthy economic times. Upholding a tradition of civic pride, Independent Bank invests time, energy and financial resources in many local organizations to improve and benefit its communities. At Independent Bank you re not only putting your money in a strong, safe place, you re also investing in your community. We look forward to serving you.

3 Personal Personal CHECKING ACCOUNT PRODUCT GRID Rewards Personal MAXchecking NOW Platinum Club Money Market Index Fund What Are the Standard Benefits I Receive? Telephone Banking Mobile and iphone /Android TM App Text Banking estatements Online Banking and Bill Pay Finance360 Bank-by-Mail Free Notary Service Unique Account Benefits check writing Competitive interest rates check writing Free Visa Convenient access to Free Visa debit card debit card funds by check No fee cash withdrawals at No fee cash withdrawals Saves time by combining Independent Bank ATMs at Independent Bank ATMs checking and savings into one account check writing No monthly service charge No minimum balance requirement Free Visa debit card Free ATMs nationwide 2 RealSaver companion account check writing No minimum balance requirement Free Visa debit card Access to membership discount site Access to pharmacy discounts Total ID Theft Protection Cell Phone Protection Free starter logo checks Free unlimited logo checks No fee for cashier s checks No fee for traveler s checks check writing Free Visa debit card No fee cash withdrawals at Independent Bank ATMs Free small safe deposit box Competitive interest rates Convenient access to funds by check Saves time by combining checking and savings into one account What is the Minimum Amount to Open? $00 $00 $00 $,500 $,500 $2,500 $25,000 One account per customer. What is My Minimum Daily Balance to Avoid a Service Charge? $500 $2,500 What is My Monthly Service Charge? $0 $0-6 5 $0 $0 $0 $,500 $,500 How Many Checks May I Write? $0 each-excess $0 each-excess What Is My Bounce Protection Limit? $300 $400 $300 $700 $700 $,500 $,500 Do I Earn Interest? Yes, balances up to $5, earn more interest when qualifications are met. No No $500 or over. $500 or over. $500 or over. Yes, higher balances earn more interest. Is There a Charge for My Debit Card? How Many Debit Card Transactions Do I Receive? To earn rewards: post and clear 2 debit Avoid service charge with 24 Are There Any Monthly Qualification Requirements? card purchase transactions 3 and cleared debit card purchase 55+ years of age ACH Direct Deposit or transactions; Auto-Debit; receive estatements. receive estatements. 4 Subject to bank approval. 2 When you meet the minimum qualifications, you automatically get unlimited ATM fee refunds for use at all ATMs nationwide. 3 Excludes ATM-processed transactions. 4 Special Statement Fee will apply for paper statements. Please refer to current Schedule of Fees. 5 Fee is reduced by $0.25 each time debit card is used for a purchase transaction. A total of 24 debit card purchase transactions reduces fee to $0 a month (free). 2 independent-bank.com independent-bank.com 3

4 Business BUSINESS CHECKING ACCOUNT PRODUCT GRID FREE FREE Small Small Business Small Small Business Business NOW NOW 2 2 Analyzed Business Business NOW 2 - IOLTA Business Analyzed Money Business Market Business Money Index Fund Market What What is is the the Minimum Minimum Amount Amount to to Open? Open? $00 $00 $00 $00 $,500 $,500 $500 $,500 $2,500 $500 $25,000 $2,500 $25,000 What What is is My My Minimum Minimum Daily Daily Balance Balance to to Avoid Avoid a a Service Service Charge? Charge? Balances can offset Balances can offset No minimum balance $3,000 $3,000 $,500 $,500 service charges. service $2,500 charges. requirement, $2,500 only reduction Please see below. Please see below. in interest rate. $2. Balances can $2 None. However, the interest rate What What is is My My Monthly Monthly Service Service Charge? Charge? $2 $2 $0 $0 offset service charges. Balances can $0offset service drops to a lower $0 rate if the balance Please see right. charges. Please see right. falls below $25,000 Is Is There There a a Limit Limit on on the the Number Number of of Transactions Transactions Per Per Month? Month? transactions transactions per month 250 transactions per month ($.25 per transaction per month 250 transactions above ($.50 per transaction per month ($.25 per transaction above ($.50 per transaction above above 50). 50). 250). 250). Do Do I I Earn Earn Interest? Interest? No No No No Yes, Yes, on on balances balances $500 $500 or or over. over. No Yes $0 each-excess $500 or Noover. 66 per per month. month. $0 $0 each-excess each-excess transaction fee. Yes, Yes, higher on balances balances earn $500 more or interest. over. Business Index Fund No minimum balance requirement, only reduction in interest rate. None. However, the interest rate drops to a lower rate if the balance falls below $25,000 $0 each-excess Yes, higher balances earn more interest. Analyzed Analyzed Business Business Account Account Analysis Analysis Fees Fees Account Account maintenance...$2.00 monthly monthly Check Check deposited...$0.0 each each Check Check paid...$0.5 each each Earning Earning credit...rate subject subject to change to change at the at bank s the bank s discretion discretion at any at time. any time. Negative Negative funds funds rate...rate subject subject to change to change at the at bank s the bank s discretion discretion at any at time. any time. What What Other Other Benefits Benefits Do Do I Receive? I Receive? Treasury Treasury Management Management Services Services Available Available estatements Telephone Banking Mobile Banking and and iphone Text Text Banking Bank-by-Mail Night Deposit Free Free Automated Clearing House (ACH) 3, Lockbox Services, Merchant Bankcard Tax Tax Payments, Visa Business Credit Cards, /AndroidTM App App Online Banking 2 2 and and Bill Bill Pay Pay Notary Service Various Statement Options Services, Online Banking, Positive Pay, Pay, Remote Deposit Capture 3, 3, Wire Wire Transfers and and Zero Zero Balance Accounts Personal and Business Savings Savings ACCOUNT PRODUCT GRID Regular and Business Savings RealSaver Certificates of Deposit IRAs What is the Minimum Amount to Open? $50 $50 One account per customer $,000 $250 What is My Minimum Daily Balance to Avoid a Service Charge? $250 What is My Service Charge? $5 per quarter 4 with combined estatement None None Are Withdrawals Allowed? 6 per quarter; Over 6 per quarter are $2 each. 2 per month; Over 2 per month are $2 each. No. Penalties will apply for early withdrawals. No. Penalties will apply for early withdrawals. Do I Earn Interest? Yes Yes, balances up to $5, earn more interest when Yes Yes qualifications are met. 4 What Are My Available Terms? From 30 days to 5 years 2 months, 8 months, 36 months What Other Benefits Do I Receive? Telephone Banking Mobile Banking and iphone /Android TM App Online Banking 2 and Bill Pay Text Banking estatements Bank-by-Mail Night Deposit Free Notary Service Automatic Transfers Transactions include all paid debits and deposited items (i.e. checks written and paid, checks deposited and other miscellaneous debits and credits). 2 Some businesses may incur additional charges. 3 Available to qualified businesses. 4 Higher interest is paid when Rewards account qualifications are met. 4 independent-bank.com independent-bank.com 5

5 Products and Services At Independent Bank, our goal is to provide you with the innovative products and services you need at an optimal level of personal service that exceeds your expectations. Personal Banking Whatever your financial goal, it s personal! And it s important to us to offer you the services you need. and Savings We have and Savings accounts tailored to meet your every need. Plus, you ll always enjoy easy access to your account and the peace of mind of FDIC insurance. Rewards Personal MAXchecking NOW Platinum Club Account Money Market Account Index Fund Account CDs & IRAs With Independent Bank Certificates of Deposit, you keep the security of traditional savings while capturing a higher rate of interest. CDs earn a guaranteed fixed interest rate when you leave money in for a fixed period of time. We offer IRAs to help you meet your long-term financial goals while helping to minimize your taxable income. Loans You can count on Independent Bank for a variety of loans with flexible terms and competitive rates. Whether you need cash for new or used vehicles, a new home or home improvements, tuition, that special family vacation or another major purchase, Independent Bank is here to help with the power to finance your dreams. Credit Cards Personal Loans Automobile Loans Construction Financing Mortgage Loans Home Equity Loans Home Improvement Loans Subject to credit approval. Savings Regular Savings Account REALSaver Account Business Banking We are dedicated to formulating creative banking solutions to help local businesses succeed. and Savings We have and Savings accounts tailored to meet your business needs. Plus, you ll always enjoy easy access to your account and the peace of mind of FDIC insurance. Free Small Business Small Business Business NOW Analyzed Business Business Money Market Account Business Index Fund Account Savings Business Savings Account CDs With Independent Bank Certificates of Deposit, you keep the security of traditional savings while capturing a higher rate of interest. CDs earn a guaranteed fixed interest rate when you leave money in for a fixed period of time. Commercial Loans Commercial lending is a critical component of the banking relationship. From credit lines to construction loans to letters of credit, Independent Bank s loan officers have the expertise to guide you through the process. And best of all, our credit decisions are made locally, by people who know you and understand your business! Acquisition Loans Equipment Financing Construction Financing Letters of Credit Working Capital Lines of Credit Commercial Real Estate Loans TREASURY Management Independent Bank offers a full array of both traditional and cutting edge banking products and services that will bring added value in the forms of convenience, efficiency, increased productivity, fraud prevention and overall improved funds management. Online Cash Management Remote Deposit Capture ACH Origination Services Zero Balance Accounts & Sweeps Lockbox Processing Wire Transfers Positive Pay/ACH Blocking Merchant Bankcard Processing Subject to approval. 6 independent-bank.com independent-bank.com 7

6 Access and Convenience It s your money. Banking services should meet the demands of your life. That s why we provide all kinds of free services for you to access your money. So you can decide how, when and where you want to bank. And when you need us, we ll be here by phone, online or at our banking locations. VISA Debit/ATM Card Your debit card gives you the ease and convenience of Visa purchasing power at millions of merchants nationwide. Debit card purchases are automatically deducted from your checking account and itemized on your monthly statement. Best of all, you pay no finance charges. For added convenience, your Visa Debit card also functions as your ATM Card. Online Banking Online Banking gives you offline freedom. Manage your finances, pay bills, view balances anytime from anywhere. Want to see if a check cleared? Need to move money between accounts? Enjoy unlimited, free account access wherever and whenever you connect to the Internet. Online Bill Pay You re just a few clicks away from spending less time on your bills and more time doing what you want to do. It s the fast, easy way to send payments. Pay bills to any business or individual, anywhere in the U.S., day or night. Specify the amount, frequency and end date for recurring payments and schedule your bill payments in advance. Mobile Banking Experience more independence with Mobile Banking. It s banking at your convenience where you are, when you want. You can check your balance, review account history, transfer funds, pay bills and more! iphone AND ANDROID TM APP 2 Our newest location is at your fingertips! With our free iphone and Android TM app, you can safely and conveniently take your Independent Bank account wherever you go. Transfer funds, track your account history, locate branches/atms, pay bills and more! Bank further, faster, smarter. Telephone Banking If you have a phone, you ve got your Independent Bank accounts in the palm of your hand. You re never more than a phone call away. Check account balances, see what checks have cleared, make transfers and more 24 hours a day, seven days a week. Bank-By-Mail and Direct Deposit Never wait in teller lines again to make a deposit simply mail your deposit to us and we ll do the rest! For added convenience and peace of mind, you can have your payroll or government checks deposited directly into your Independent Bank account. Available on some Smart Phones with data packages. 2 You must be enrolled in Online Banking AND set up for Mobile Banking to use app. 8 independent-bank.com

7 independent-bank.com /3

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