Highpoint Community Bank is Becoming Independent Bank

Important Information on Your Personal Account Transition

Q: Before Friday, November 6

Look for your new debit card. It should arrive by Tuesday, October 27, 2026. Activate it, select your PIN, and add it to your mobile wallet. Keep it in a safe place, as you may not use it before Monday, November 9, 2026. Look for your new credit card. It should arrive by Tuesday, October 27, 2026. Activate and begin using it when it arrives. Contact us if either card is missing. If you have not received your new debit or credit card by Tuesday, October 27, 2026, call 800.355.0641 or visit your local branch. Make a list of recurring debit card payments. Review your recent account activity and note any subscriptions, memberships, or other payments linked to your Highpoint Community Bank debit card. Save additional account history. At least one year of transaction history and statements will be available as part of the transition. If you need records older than one year, download and save them before Friday, November 6, 2026. Download the ONE Wallet Digital Banking App. Have it ready for your first login beginning Monday, November 9, 2026. Prepare for the weekend outage. Before branches and the call center close at 4:00 pm and Digital Banking becomes unavailable at 5:00 pm on Friday, November 6, 2026, complete any time-sensitive deposits, transfers, or payment activity. Review your available balance. Make sure sufficient funds are available for purchases, withdrawals, and payments during transition weekend.

Q: Friday, November 6 — cutoff times

4:00 pm Highpoint Community Bank branches will close for transition weekend. Bill Pay will become unavailable in online and mobile banking. Your scheduled Bill Pay payments and automatic ACH payments will continue processing as scheduled. However, you will not be able to add, change, or cancel Bill Pay or ACH payments during the outage. Independent Bank's Customer Connection Hub will remain available by phone for questions and support, but representatives will not be able to access or make changes to your account during the transition. 5:00 pm Highpoint Community Bank online and mobile banking will become unavailable. You will no longer be able to initiate transfers, make mobile deposits, or manage payments through Highpoint Community Bank Digital Banking. At 5:00 pm you will no longer be able to log in to Highpoint Community Bank online or mobile banking.

Q: Beginning Monday, November 9

Update recurring debit card payments . Contact each company on your list and provide your new Independent Bank Debit Mastercard® information. Reestablish external transfers . External transfers established through Highpoint Community Bank Digital Banking will not transfer. You will need to set them up again in ONE Wallet Digital Banking. Verify external-transfer loan payments . If you previously transferred money from an external account through Highpoint Community Bank online banking to make a loan payment, please call 800.355.0641 or stop by your local branch to reestablish these payments. Review Bill Pay . Confirm your payees and scheduled payments transferred correctly. Set up your account alerts . Balance, deposit, debit card, withdrawal, and transaction alerts may not transfer.

From Friday, November 6, 2026, through Monday, November 9, 2026, your Highpoint Community Bank accounts and services will transition to Independent Bank.

Beginning Monday, November 9, 2026, you’ll continue banking with the familiar local team you know and trust.

Download Your Transition Guidebook

Highpoint Community Bank will be part of Independent Bank

Name	Info
Account Number	Unless you have been notified separately, your account number will remain the same.
Digital Banking	Unless you have been notified separately use your current username and password. You’ll be prompted to create a new password the first time you log in.
Checks	Unless you have been notified separately that your account number is changing, you may continue using your Highpoint Community Bank checks until they run out.
Direct Deposits	Unless you have been notified separately that your account number is changing, existing direct deposits, including payroll and government benefit deposits, will continue without interruption.
Automatic ACH Payments	Unless notified separately that your account number is changing, automatic payments authorized using your account and routing numbers will continue as usual. Debit card and loan payments are addressed separately.
Automatic Transfers	Existing scheduled transfers between your Highpoint Community Bank deposit accounts will transfer automatically and continue as scheduled. This includes overdraft protection transfers. External deposit account-to-deposit account transfers established through Highpoint Community Bank Digital Banking will not transfer. Beginning Monday, November 9, 2026, you will need to set them up again in ONE Wallet Digital Banking.
Bill Pay	Your existing payees and scheduled payments will transfer automatically.
Debit Card	If you currently have a Highpoint Community Bank debit card, we have ordered a new Independent Bank Debit Mastercard® for you. Please watch your mailbox for its arrival.
Credit Card	If you currently have a Highpoint Community Bank credit card, we have ordered a new Independent Bank credit card for you. Please watch your mailbox for its arrival.
Account History	At least one year of transaction history and statements will be available as part of the transition.
Loan Payments	If your loan payment is made through a direct automatic withdrawal from your Highpoint Community Bank account or an account at another financial institution, your payment arrangement will continue without interruption. If you use Highpoint Community Bank online banking to transfer funds from an external account to make your loan payment, you may need to update your payment instructions after conversion.

Your Transition

November 6–9, 2026

Starting November 6 and continuing through November 9, 2026, your Highpoint Community Bank accounts will transition to Independent Bank. While we complete the transition, there may be brief periods when certain account services are unavailable.

Before Friday, November 6

Look for your new debit card. It should arrive by Tuesday, October 27, 2026. Activate it, select your PIN, and add it to your mobile wallet. Keep it in a safe place, as you may not use it before Monday, November 9, 2026.
Look for your new credit card. It should arrive by Tuesday, October 27, 2026. Activate and begin using it when it arrives.
Contact us if either card is missing. If you have not received your new debit or credit card by Tuesday, October 27, 2026, call 800.355.0641 or visit your local branch.
Make a list of recurring debit card payments. Review your recent account activity and note any subscriptions, memberships, or other payments linked to your Highpoint Community Bank debit card.
Save additional account history. At least one year of transaction history and statements will be available as part of the transition. If you need records older than one year, download and save them before Friday, November 6, 2026.
Download the ONE Wallet Digital Banking App. Have it ready for your first login beginning Monday, November 9, 2026.
Prepare for the weekend outage. Before branches and the call center close at 4:00 pm and Digital Banking becomes unavailable at 5:00 pm on Friday, November 6, 2026, complete any time-sensitive deposits, transfers, or payment activity.
Review your available balance. Make sure sufficient funds are available for purchases, withdrawals, and payments during transition weekend.

Friday, November 6 — cutoff times

4:00 pm

Highpoint Community Bank branches will close for transition weekend. Bill Pay will become unavailable in online and mobile banking. Your scheduled Bill Pay payments and automatic ACH payments will continue processing as scheduled. However, you will not be able to add, change, or cancel Bill Pay or ACH payments during the outage. Independent Bank's Customer Connection Hub will remain available by phone for questions and support, but representatives will not be able to access or make changes to your account during the transition.

5:00 pm

Highpoint Community Bank online and mobile banking will become unavailable. You will no longer be able to initiate transfers, make mobile deposits, or manage payments through Highpoint Community Bank Digital Banking. At 5:00 pm you will no longer be able to log in to Highpoint Community Bank online or mobile banking.

November 7–8 — transition weekend

Your funds will remain available, and your debit and credit cards will continue to work. Before Digital Banking becomes unavailable, review your balance and make sure sufficient funds are available for purchases, withdrawals, and payments during transition weekend. Online banking, mobile banking, Bill Pay, and mobile deposit will remain unavailable while your accounts transition to Independent Bank. Your scheduled Bill Pay payments and automatic ACH payments will continue processing as scheduled. However, you will not be able to add, change, or cancel Bill Pay or ACH payments during the outage. Highpoint Community Bank branches will remain closed for transition weekend. Independent Bank's Customer Connection Hub will remain available by phone from 8 am – 5 pm (ET) on Saturday for questions and support.

On Monday, November 9

Your accounts and services will be available through Independent Bank, including online and mobile access through ONE Wallet Digital Banking. Your familiar branch teams will also reopen for regular business hours.

Open ONE Wallet on or after Monday, November 9, 2026. Open the ONE Wallet Digital Banking app or visit IndependentBank.com to log in.
Use your current online banking username. Unless you have been notified separately, use your current username and password. You'll be prompted to create a new password and accept Independent Bank's Digital Banking Agreement at this time.
Create a new password. During your initial login, you will be prompted to create a new password.
Accept the agreement. Review and accept Independent Bank's Digital Banking Agreement to complete your login.
Enroll in eStatements. After logging in, select eServices, then Documents, and follow the prompts to enroll in eStatements.

Beginning Monday, November 9

Update recurring debit card payments. Contact each company on your list and provide your new Independent Bank Debit Mastercard® information.
Reestablish external transfers. External transfers established through Highpoint Community Bank Digital Banking will not transfer. You will need to set them up again in ONE Wallet Digital Banking.
Verify external-transfer loan payments. If you previously transferred money from an external account through Highpoint Community Bank online banking to make a loan payment, please call 800.355.0641 or stop by your local branch to reestablish these payments.
Review Bill Pay. Confirm your payees and scheduled payments transferred correctly.
Set up your account alerts. Balance, deposit, debit card, withdrawal, and transaction alerts may not transfer.

Current Account	New Account
High Yield Checking Advantage Checking Employee Checking	ONE Account Earn up to 5.00% APY,* which could add up to $500** in interest annually when you use your Independent Bank Debit Mastercard® for everyday purchases No monthly maintenance fee with eStatements¹ Free ONE Wallet Digital Banking with Credit Score monitoring, Bill Pay, and person-to-person payments Access to more than 32,000 fee-free MoneyPass® ATMs nationwide
IRA Statement Savings	No change to your current rate or terms.
Holiday Savings Statement Savings	Eagle/Swift Savings Earn a competitive interest rate to help savings grow No service fee while the primary account holder is younger than age 19⁴ Access funds with an ATM card, ONE Wallet Digital Banking, and text banking Access to more than 32,000 fee-free MoneyPass® ATMs nationwide
Free Checking	Free Checking No minimum balance requirement Free ONE Wallet Digital Banking Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings Access to more than 32,000 fee-free MoneyPass® ATMs nationwide Your Free Checking account will transition to Independent Bank Free Checking. Beginning November 9, 2026, this account will continue for existing account holders but will not be offered for new account openings.
HSA Family / HSA Individual	Health Savings Account Earn a competitive interest rate to help your balance grow No minimum balance requirement or monthly service fee Free Independent Bank Debit Mastercard® for qualified healthcare purchases Unused funds roll over each year Investment options are available to support long-term growth while keeping funds available for qualified medical expenses⁵
High Yield Savings	No change to your current rate or terms. Your High Yield Savings Account will transition to Independent Bank. Beginning November 9, 2026, this account will continue for existing account holders but will not be offered for new account openings.
Certificates of Deposit (CDs), including Kickstart CDs and IRAs	No change to your current rate or terms.
Cash Management Personal Checking Cash Management Personal Plus Checking	Relationship Money Market Account Earn more as your balance grows with tiered interest rates Receive a higher interest rate when paired with an eligible Independent Bank checking account Avoid the $12 monthly maintenance fee by maintaining a $2,500 daily balance² Access funds with an ATM card, ONE Wallet Digital Banking, and text banking

*Annual Percentage Yield. Rate is based on monthly debit card purchase volume and is subject to change without notice. **The opportunity to earn up to $500 annually is based on an average daily balance of $10,000 and 46 or more qualifying debit card purchases each statement period. Balances over $10,000.01 earn 0.10% APY. ¹A $3 monthly fee will be assessed if paper statements are selected instead of eStatements. ²A $12 monthly maintenance fee will be assessed if the $2,500 daily balance requirement is not met. ³A $12 quarterly maintenance fee will be assessed if the $500 daily balance requirement is not met and the customer is not enrolled in combined account statements or eStatements. ⁴After the primary account holder turns 19, a $12 quarterly fee applies when the account balance is less than $500. ⁵Health Savings Accounts are subject to IRS requirements, limitations and potential penalties. Customers should consult their tax advisor for guidance. Fees may reduce earnings. Other fees and restrictions may apply.

Your Account is Moving to Real-Time Processing.

Beginning November 9, transactions will generally be reflected in your account as they occur. OD Fee Rewind will end, so you’ll no longer have additional time to bring an overdrawn account back to a positive balance to avoid certain overdraft fees.

Deposits and withdrawals apply to your account as they are received, giving you a more up-to-date view of your available balance. Because transactions will post when presented, it is important to have sufficient funds available at the time a transaction is authorized or processed.

What is Changing:

Today, there may be a delay between the time Highpoint Community Bank receives a transaction and when it posts to your account. This may give you time to make a deposit later in the day before the transaction is processed.

Beginning Monday, November 9, 2026, you should not expect to have until the end of the business day to deposit funds needed to cover a transaction. If the money is not available when a transaction posts, your account may become overdrawn and a fee may be assessed. A deposit made later that day may not prevent the fee.

Know Your Available Balance:

Before making a purchase or payment, check your available balance and make sure it is enough to cover the transaction. Beginning Monday, November 9, 2026, you can monitor your balance and account activity and set up alerts for your accounts in ONE Wallet Digital Banking.

Keep in mind that some transactions may appear as pending before they officially post, and your available balance may already reflect those pending transactions.

What to Expect With the Transfer of Your Consumer Loans to Independent Bank

Loan Payment Options

What is Staying the Same

Unless you have been notified separately, your loan number will remain the same. Your contractual terms will not change as a result of this transition.

This includes how your interest rate and scheduled payment amount are determined. Your regular payment due date will also remain the same.

Automatic Loan Payments

If your loan payment is made through a direct automatic withdrawal from your Highpoint Community Bank account or an account at another financial institution, your payment arrangement will continue without interruption. If you use Highpoint Community Bank online banking to transfer funds from an external account to make your loan payment, you may need to update your payment instructions after conversion.

Beginning Monday, November 9, 2026, your loan will automatically appear in ONE Wallet Digital Banking. Log in and verify your payment instructions before scheduling or submitting your next payment.

Making a Loan Payment

Beginning Monday, November 9, 2026, you can make your loan payment in several ways:

• Transfer funds from an Independent Bank account through ONE Wallet Digital Banking

• Use Bill Pay through ONE Wallet Digital Banking

• Use Express Loan Pay online or by calling 800.355.0641

• Visit any Independent Bank branch

• Mail your payment to:

Independent Bank

230 W. Main St.

Ionia, MI 48846

Learn More Here

Lines of Credit

If you have a Highpoint Community Bank Checking Line of Credit, Personal Line of Credit, or Home Equity Line of Credit, your current billing schedule will remain the same.

If your line of credit has a variable interest rate, the rate will continue to adjust when the Prime Rate changes in accordance with the terms of your existing agreement.

Unless you have been notified separately, your existing Home Equity Line of Credit account number will remain the same. Your credit limit, available balance, fees, and other servicing terms will not change as a result of the transition. Beginning Monday, November 9, 2026, your line of credit will automatically appear in ONE Wallet Digital Banking, where you can view your account and transfer available funds.

Mortgage Escrow Accounts

If your mortgage includes an escrow account for property taxes or homeowners insurance, your existing escrow arrangement will continue without interruption. No action is needed.

Questions About Your Loans?

For questions about your balance, payoff information, or billing cycle, call Independent Bank Loan Servicing at 800.355.0641 and select option 4, then option 5.