WE ARE THRILLED TO LAUNCH

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WE ARE THRILLED TO LAUNCH

WITH ONE WALLET BUSINESS,our new and enhanced Online and MobileBanking platform, you can enjoy all of thesenew enhancements and more: Now everything that you can do in Online Banking canalso be done from our new IB ONE Wallet mobile app Improved Bill Pay service with faster payments Open new accounts or apply for loans in just a few clicks Simpler and easier-to-read transaction descriptions Reset your password quickly in the new mobile app One click access to your Independent Bank Credit Card,IB Wealth account, or CDARS accounts. Coming soon! IB Card Controls App allows you to turn your debitcard on or off, restrict transactions by category or dollaramount, and easily set up purchase alerts. Coming soon! ONE Wallet , formerly known as Personal Finance.ONE Wallet allows you to see all Independent Bankand non-Independent Bank accounts, loans, investments,credit cards, and more in one easy place. Creatingbudgets, track spending, setting goals, and watchingyour net worth grow has never been easier.Please Note: In order to launch these new enhancementswe will be closed May 22-23, 2021.2

IMPORTANT DATES:MAY 21 Branches will close at 5 pm Online and mobile banking will be unavailable as of 5 pmMAY 22-23 Branches will be closed Online Banking and Mobile Banking will be unavailableMAY 24 ONE Wallet launchesWHAT TO DO BEFORE MAY 24:To be prepared for the enhancements launching on May 24,please make sure you complete the following things: Complete any necessary banking before 5 pm on May 21. Visit IndependentBank.com/ONEWalletBusiness forimportant information, including helpful videos, step-bystep tutorials that allow you to experience our new bankingplatform right now, common FAQs, a timeline of importantdates, & more. Our ATMs will remain available, and you will be able to useyour debit card for purchases. You will not be able to viewor check your balance(s) during this time. We ask that youplease check your balance prior to 5 pm on May 21.Our Customer Experience Hub will also be available toanswer your questions at 800.355.0641 on Friday from8 am-8 pm and Saturday-Sunday, from 8 am-6 pm (ET).3

WHAT TO DO AFTER MAY 24:Download or upgrade our new mobile app, IB ONE WalletSee directions below for both iPhone and Android usersSet up any desired account alerts, as any previous alertshave not been converted to our new platformAccess IB Card Controls via our IB ONE Wallet mobile appto manage your debit card and receive alerts. Coming soon!If you utilize Bill Pay, confirm that all of your payees andscheduled payments are correctEnsure all of your contact information is up to date viaOnline or Mobile Banking (email, phone number, address)Download our new mobile app,IB ONE WALLETAfter May 24IPHONE USERS: If you are an existing app user, youwill be prompted to update yourIndependent Bank mobile app If you are not a current app userdownload the new app by searching“IB ONE Wallet” in the App StoreANDROID USERS: You will need to download our newapp, by searching “IB ONE Wallet”in the Google Play Store4

WHAT’S NEWIN ONE WALLET BUSINESS Mobile Banking – Now everything that you can do inOnline Banking can also be done in Mobile Banking —add new bill payments, view statements, transfer money toother IB customers, and more. Bill Pay – Never write a check again! Our new Bill Payoptions are fast and efficient. Plus, you are now able toadd payees right through our IB ONE Wallet app. Besure to check out the videos on our website to learneverything that is new about our Bill Pay service. Updated Transfer Options – Transfers are now all locatedin one convenient location, also with more convenientoptions for making loan payments. Business Mobile Deposit – Deposit checks usingIB ONE Wallet. IB Card Controls – Control your debit card through IBCard Controls, now available via the IB ONE Walletapp, so you are always up to date on your accountinformation. Coming soon! Account Statements – Your next account statementwill have a brand new look! Enjoy a more user-friendlystatement arriving soon. ONE Wallet – Introducing ONE Wallet , a moneymanagement tool where you can see all of your accountsin one place, previously known as Personal Finance. Thisis easily accessible via Online and Mobile Banking.Continued on next page5

What’s New in One Wallet Business Continued: ONE Wallet – With our new banking platform for bothonline and mobile, you will have instant access to yourpurchase history, can open additional accounts and applyfor loans, access new alert capabilities, and receive alertson your phone or via email.Payments (Bill Pay)Quick TransfersQuick Links

ATMs – For deposits to be considered the same businessday they now must be made before 10 pm (ET). Anydeposits made after 10 pm (ET) will now be applied thenext business day. Real-Time Transactions – The debit and credit postingorder will now be in real-time. When your transactionsare completed, they will post to your account, withoutdelay. This will make keeping track of your balance easier,as items will post immediately, and you will now have anupdated and accurate balance to view.Please note that today posting currently has a delay, and fundsare not immediately deducted from your account. This will nowhappen immediately, so you will want to ensure all funds areavailable before completing a transaction or making a purchase.You no longer have until end of day to make a deposit to avoidbeing assessed an overdraft fee. If funds are not in your accountat the time a transaction or check is posted, your account may beassessed an overdraft fee, even if you make a deposit before theend of the business day.7

We can’t wait to launch all of these exciting new bankingenhancements! If you have questions, please contact yourlocal branch, give us a call at 800.355.0641, Monday-Friday8 am-8 pm and Saturday-Sunday 8 am-6 pm (ET),or visit IndependentBank.com/ONEWalletBusiness.Scan the QR code to stay up todate on the latest information!

Business Mobile Deposit – Deposit checks using IB ONE Wallet. IB Card Controls – Control your debit card through IB Card Controls, now available via the IB ONE Wallet app, so you are always up to date on your account information. Coming soon! Account Statements

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