CONVERSION GUIDE. independent-bank.com

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

independent-bank.com

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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.

The Independent Way

Independent Bank’s origins extend back to 1913 when it first formed a local bank to serve the needs of its community.

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.

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Personal CHeCKInG aCCoUnT ProDUCT GrID

1 Subject to bank approval. ²When you meet the minimum qualifications, you automatically get unlimited ATM fee refunds for use at all ATMs nationwide.

3 Excludes ATM-processed transactions. ⁴Special 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).

Personal Checking

Rewards Checking Personal Checking MAXchecking NOW Checking Platinum Club Money Market Index Fund

What Are the Standard Benefits I Receive?

Unique Account Benefits • Competitive interest rates

• Convenient access to funds by check

• Saves time by combining checking and savings into one account

• 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? $2,500 $25,000

What is My Minimum Daily Balance to

Avoid a Service Charge? $2,500 N/A

What is My Monthly Service Charge? $10 N/A

How Many Checks May I Write? 6 per month.

$10 each-excess transaction fee.

6 per month.

What Is My Bounce Protection Limit? $1,500 $1,500

Do I Earn Interest? Yes, on balances

$500 or over. Yes, higher balances earn more interest.

Is There a Charge for My Debit Card? N/A N/A

How Many Debit Card Transactions

Do I Receive? N/A N/A

Are There Any Monthly Qualification Requirements? N/A N/A

• Unlimited check writing • No monthly service charge • No minimum balance requirement

• Free Visa^® debit card¹ • Free ATMs nationwide² • REALSaver companion account

$100 One account per customer.

N/A

Unlimited

$300

Yes, balances up to $15,000.99 earn more interest when

qualifications are met.

Initial card - no fee

Unlimited

To earn rewards: post and clear 12 debit card purchase transactions³and

1 ACH Direct Deposit or Auto-Debit; receive eStatements.

• Unlimited check writing • No minimum balance requirement

• Free Visa^® debit card¹ • Access to membership discount site

• Access to pharmacy discounts • Total ID Theft Protection • Cell Phone Protection • Free starter logo checks

$100 N/A

$0-6⁵

Unlimited

$300

No

Unlimited

• Unlimited check writing

• Free Visa^®debit card¹

• No fee cash withdrawals at Independent Bank ATMs

$100

$500

$10

Unlimited

$400

No

Unlimited

N/A

Avoid service charge with 24 cleared debit card purchase

transactions;

receive eStatements.⁴

• Unlimited check writing • Free Visa^® debit card¹ • No fee cash withdrawals at Independent Bank ATMs

$1,500

$10

Unlimited

$700

Yes, on balances

$500 or over.

Unlimited

N/A

• Free unlimited logo checks • No fee for cashier’s checks • No fee for traveler’s checks • Unlimited check writing • Free Visa^® debit card¹ • No fee cash withdrawals at Independent Bank ATMs • Free small safe deposit box

$1,500

$10

Unlimited

$700

Yes, on balances

$500 or over.

Unlimited

55+ years of age

Telephone Banking • Mobile and iPhone^®/Android^TM App • Text Banking • eStatements • Online Banking and Bill Pay • Finance360 • Bank-by-Mail • Free Notary Service

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Personal and Business Savings Business Checking

BUsIness CHeCKInG aCCoUnT ProDUCT GrID

1 Transactions include all paid debits and deposited items (i.e. checks written and paid, checks deposited and other miscellaneous debits and credits). ²Some businesses may incur additional charges. ³Available to qualified businesses. ⁴Higher interest is paid when Rewards Checking account qualifications are met.

savInGs aCCoUnT ProDUCT GrID

Regular and Business Savings REALSaver Certificates of Deposit IRAs What is the Minimum

Amount to Open? $150 $150

One account per customer $1,000 $250

What is My Minimum Daily Balance to Avoid

a Service Charge? $250 N/A N/A N/A

What is My Service Charge? $5 per quarter⁴ N/A 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 $15,000.99

earn more interest when

qualifications are met.⁴ Yes Yes

What Are My Available Terms? N/A N/A From 30 days to 5 years 12 months, 18 months,

36 months What Other Benefits

Do I Receive? Telephone Banking • Mobile Banking and iPhone^®/Android^TM App• Online Banking² and Bill Pay Text Banking• eStatements • Bank-by-Mail • Night Deposit • Free Notary Service • Automatic Transfers

Analyzed Business Checking Account Analysis Fees

Account maintenance...$12.00 monthly Check deposited...$0.10 each Check paid...$0.15 each Earning credit...Rate subject to change at the bank’s discretion at any time.

Negative funds rate...Rate subject to change at the bank’s discretion at any time.

FREE Small Business

Checking Small Business Checking Business NOW²

Checking Analyzed Business

Checking Business Money Market Business Index Fund

What is the Minimum Amount to Open? $100 $100 $1,500 $500 $25,000

a Service Charge? N/A $3,000 $1,500 Balances can offset

service charges.

Please see below.

No minimum balance requirement, only reduction

in interest rate.

What is My Monthly Service Charge? N/A $12 $10 $12. Balances can

offset service charges.

Please see right.

None. However, the interest rate drops to a lower rate if the balance

falls below $25,000 Is There a Limit on the Number of Transactions

Per Month?

150 transactions¹ per month ($.25 per transaction above

150).

250). Unlimited Unlimited 6 per month.

Do I Earn Interest? No No Yes, on balances

$500 or over. No Yes, higher balances

earn more interest.

What Other Benefits Do I Receive?

Treasury Management Services Available Automated Clearing House (ACH)³, Lockbox Services, Merchant Bankcard

Tax Payments, Visa® Business Credit Cards, Services, Online Banking, Positive Pay, Remote Deposit Capture³, Wire Transfers and Zero Balance Accounts

eStatements • Telephone Banking • Mobile Banking and iPhone®

• Text Banking • Bank-by-Mail • Night Deposit • Free /AndroidTM App • Online Banking² and Bill Pay Notary Service • Various Statement Options

$2,500

$10

6 per month.

Yes, on balances

$500 or over.

$2,500

Analyzed Business Checking Account Analysis Fees

Account maintenance...$12.00 monthly Check deposited...$0.10 each Check paid...$0.15 each Earning credit...Rate subject to change at the bank’s discretion at any time.

Negative funds rate...Rate subject to change at the bank’s discretion at any time.

FREE Small Business

Checking Small Business Checking Business NOW²

Checking Business NOW²

Checking - IOLTA Analyzed Business

Checking Business Money Market Business Index Fund

What is the Minimum Amount to Open? $100 $100 $1,500 $1,500 $2,500 $25,000

a Service Charge? N/A $3,000 $1,500 N/A $2,500 No minimum balance

requirement, only reduction in interest rate.

What is My Monthly Service Charge? N/A $12 $10 N/A $10 None. However, the interest

rate drops to a lower rate if the balance falls below $25,000 Is There a Limit on the Number of Transactions

Per Month?

150).

250). Unlimited Unlimited 6 per month.

6 per month.

Do I Earn Interest? No No Yes, on balances

$500 or over. Yes Yes, on balances

$500 or over. Yes, higher balances earn more interest.

What Other Benefits Do I Receive?

Treasury Management Services Available Automated Clearing House (ACH)³, Lockbox Services, Merchant Bankcard

Tax Payments, Visa^® Business Credit Cards, Services, Online Banking, Positive Pay, Remote Deposit Capture ³, Wire Transfers and Zero Balance Accounts

eStatements • Telephone Banking • Mobile Banking and iPhone^®

• Text Banking • Bank-by-Mail • Night Deposit • Free /AndroidTM App • Online Banking ²and Bill Pay Notary Service • Various Statement Options

Balances can offset service charges.

Please see below.

Balances can offset service $12 charges. Please see right.

Unlimited

No

$500

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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 Checking 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.

Checking

• Rewards Checking • Personal Checking • MAXchecking • nOW Checking

• 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.

LOAnS¹

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

1 Subject to credit approval.

Savings

• Regular Savings Account

• ReALSaver Account

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Business Banking

We are dedicated to formulating creative banking solutions to help local businesses succeed.

CheCkIng And SAvIngS

We have Checking 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.

Checking Savings

• Free Small Business Checking • Business Savings Account • Small Business Checking

• Business nOW Checking

• Analyzed Business Checking • Business Money Market Account

• Business Index Fund 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 LOAnS¹

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 • Working Capital Lines of Credit

• equipment Financing • Commercial Real estate Loans

• Construction Financing

• Letters of Credit

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 Capture¹

• ACh Origination Services¹ • Zero Balance Accounts & Sweeps

• Lockbox Processing • Wire Transfers

• Positive Pay/ACh Blocking • Merchant Bankcard Processing¹

1 Subject to approval.

Products and Services

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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 bills¹ and more!

iPhOne^® And AndROId^TM APP²

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.

1 Available on some Smart Phones with data packages.

2 You must be enrolled in Online Banking And set up

Access and Convenience

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