C O N V E R S I O N G U I D E

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1 CONVERSION GUIDE

2 The Independent Way The Independent Bank charter was founded in 93 by a group of businessmen who wanted to form a local bank to serve the needs of their 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 stockholders. Our goal is to become the bank of choice in each community that we serve. Today, over a century later, our commitment to serve the needs of individuals, families, small businesses, corporations and communities of all sizes 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. Our entrepreneurial spirit is balanced by a devotion to the fundamental banking principles, enabling us to remain strong, sound and financially secure through both challenging and healthy economic times. Independent Bank has a long tradition of charitable giving; supporting the work of organizations that shape our community and improve the lives of local families. 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 Banking Mobile Deposit 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 What is My Monthly Service Charge? $0 $0-6 5 $0 $0 7 $0 $,500 $,500 $2,500 No minimum balance requirement, only reduction in interest rate. How Many Checks May I Write? $0 each-excess $0 each-excess What Is My Bounce Protection Limit? 6 $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 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 To avoid service charge, post and Are There Any Monthly Qualification Requirements? card purchase transactions 3 and clear 24 debit card purchase 55+ years of age ACH Direct Deposit or transactions 3 ; receive estatements. 4 Auto-Debit; receive estatements. 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). 6 Please see page 0 of Account Disclosure and Terms & Conditions for details related to this service. 7 Platinum Club Accounts FEE WAIVED for first 3 months, through March, ibtx.com ibtx.com 3

4 Business BUSINESS CHECKING ACCOUNT PRODUCT GRID FREE Small Business Small Business Business NOW 2 Business NOW 2 - IOLTA Analyzed Business Business Money Market Business Index Fund What is the Minimum Amount to Open? $00 $00 $,500 $,500 $500 $2,500 $25,000 Analyzed Business Account Analysis Fees Table Account maintenance...$2.00 monthly What is My Minimum Daily Balance to Avoid a Service Charge? $3,000 $,500 What is My Monthly Service Charge? $2 $0 Balances can offset service charges. Please see table. $2 Balances can offset service charges. Please see right. $2,500 $0 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 Check deposited...$0.0 each Check paid...$0.5 each Earning credit...rate subject to change at the bank s discretion at any time. Is There a Limit on the Number of Transactions Per Month? 50 transactions per month ($.25 per transaction above 50). 250 transactions per month ($.50 per transaction above 250). $0 each-excess $0 each-excess Negative funds rate...rate subject to change at the bank s discretion at any time. Do I Earn Interest? No No Yes No Yes, higher balances earn more interest. What Other Benefits Do I Receive? Text Banking Telephone Banking Mobile Banking and iphone / Android App Online Banking 2 and Bill Pay estatements Finance360 Bank-by-Mail Free Notary Service Night Deposit Text Banking Telephone Banking Mobile Banking and iphone / Android App Online Banking 2 and Bill Pay estatements Finance360 Bank-by-Mail Free Notary Service Night Deposit Treasury Management Services Available 2 Automated Clearing House (ACH) 3, Lockbox Services, Merchant Bankcard Services 3, Online Banking, Positive Pay, Remote Deposit Capture 3, Tax Payments, Various Statement Options, Visa Business Credit Cards 3 and Wire Transfers Personal and Business Savings Automated Clearing House (ACH) 3, Lockbox Services, Merchant Bankcard Services 3, Online Banking, Positive Pay, Remote Deposit Capture 3, Tax Payments, Various Statement Options, Visa Business Credit Cards 3 and Wire Transfers SAVINGS ACCOUNT PRODUCT GRID Regular and Business Savings REALSaver 5 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 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? Text Banking Telephone Banking Mobile Banking and iphone /Android TM App Online Banking 2 and Bill Pay estatements Finance360 Bank-by-Mail 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 Available to qualifying businesses. 3 Subject to approval. 4 Higher interest is paid when Rewards account qualifications are met. 5 Must have Rewards product. 4 ibtx.com ibtx.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. CHECKING 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 Personal Money Market Index Fund CDS & IRAS With Independent Bank Certificates of Deposit (CD), 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 Individual Retirement Accounts (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 Interim Construction Loans Mortgage 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. CHECKING 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 Business NOW IOLTA Savings Business Savings Account CDS With Independent Bank Certificates of Deposit (CD), 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. 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 Banking & Cash Management Merchant Services Positive Pay/ACH Blocking Lockbox Processing ACH EDI Reporting Vault Services Remote Deposit Capture Wire Transfers ACH Origination Services 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! Commercial Loans and Working Capital Lines of Credit Equipment Financing Interim Construction Financing Analyzed Business Business Money Market Account Business Index Fund Account Letters of Credit Commercial Real Estate Loans Church Loans Energy Lending Subject to approval. 6 ibtx.com ibtx.com 7

6 Access and Convenience It s your money. Banking services should meet the demands of your life. That s why we provide many 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. MOBILE BANKING / iphone & ANDROID TM APP, 2 / MOBILE DEPOSIT,2 Our newest location is at your fingertips! With Mobile Banking, you can receive text or voic alerts about your account balance. With our free iphone and Android TM app,2, you can safely and conveniently take your Independent Bank account wherever you go. Transfer funds, track your account history, locate branches/atms, pay bills 3, deposit checks,2 and more! Bank further, faster, smarter. ONLINE BANKING 3 & BILL PAY 3 Online Banking 3 gives you offline freedom. Manage your finances, pay bills 3, 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. TEXT BANKING,2 Check your balance, transfer money between accounts and review transaction history using text commands. 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. Access by dialing VISA DEBIT/ATM CARD 4 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. 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. AND MORE! estatements Finance360 Bounce & Overdraft Protection Free Notary Service Safe Deposit Boxes Night Deposit You must be enrolled in Mobile Banking. 2 You must be enrolled in Online Banking. 3 Business accounts may incur additional charges. 4 Subject to bank approval. 8 ibtx.com

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C O N V E R S I O N G U I D E

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