Log in to TreasuryONE during the preview period using the access instructions provided to your organization. Validate users, access levels, templates, limits and other information that has mapped to Independent Bank. Schedule virtual or on-site training if your team would like help reviewing TreasuryONE. Print and/or download all existing ACH and Wire template data.

Confirm your business phone number, email address and mailing address are current. Review authorized users and note any permissions or approval levels you may need to verify after transition. Save statements, transaction history or reports you want readily available. At least one year of transaction history and statements will be available as part of the transition. Review scheduled payments, transfers and account alerts. Record your Bill Pay payees, payment templates, and scheduled or recurring payments. This information will not transfer and must be rebuilt in TreasuryONE. Make note of account nicknames, payees, recurring transfers and settings you rely on. Complete time-sensitive banking before the applicable cutoff times. Confirm you received any new Independent Bank business debit cards that apply to your accounts. Make sure all active users have logged into the system prior to Friday, November 6, 2026.

Highpoint Community Bank is Becoming Independent Bank

Important Information on Your Treasury Management Account Transition

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

Transition Timeline

Five key dates between now and November 9, 2026 — from TreasuryONE training to full go-live.

Oct 19 — Register for training

You will receive information and a link to register for TreasuryONE Digital Banking training.

Oct 26–30 — Attend Training

Attend an onsite or virtual training session to become familiar with TreasuryONE Digital Banking and prepare for the transition. During training, you will learn how to navigate the system, review the information transferred from Highpoint Community Bank and prepare your TreasuryONE settings for launch.

Oct 26–Nov 8 — Preview & Prepare

Beginning Monday morning, October 26, 2026, you may log in to TreasuryONE Digital Banking and begin preparing for the transition.

TreasuryONE will initially contain a snapshot of information transferred from Highpoint Community Bank. During this preview period, you can:

Review your accounts, company users, and user permissions
Review and update ACH and wire templates
Review transaction limits
Establish or update account alerts
Configure controls and other system settings

Changes you make during the preview period will be saved and remain in place when TreasuryONE becomes fully available. TreasuryONE will not display current balances or live transaction activity during this period. You will not be able to send money, initiate ACH or wire transactions, make payments, pay bills, send invoices or complete other financial transactions through TreasuryONE until Monday, November 9, 2026. Continue using Highpoint Community Bank Digital Banking for your regular banking activity until it becomes unavailable at 5:00 pm on Friday, November 6, 2026.

Nov 6–8 — Transition Weekend

Friday, November 6 — 4:00 pm Highpoint Community Bank branches and the call center will close for transition weekend. Bill Pay will become unavailable inside online and mobile banking. Your automatic ACH payments will continue processing as scheduled. However, you will not be able to add, change, or cancel ACH payments during the outage.

Friday, November 6 — 5:00 pm Highpoint Community Bank online banking and mobile banking will become unavailable. You will no longer be able to initiate transfers, make mobile or remote deposits, or manage payments through Highpoint Community Bank Digital Banking.

Saturday, November 7 through Sunday, November 8 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 and mobile banking will remain unavailable while your accounts transition to Independent Bank. Automatic loan payments will continue processing as scheduled.

You will not be able to add, change, or cancel any ACH, wires, or Bill Pay payments during the outage. Our support teams will be unavailable on Saturday, November 7, and Sunday, November 8, 2026, while we complete the transition to Independent Bank. We'll be ready to assist you again beginning Monday, November 9, 2026, during regular business hours.

Nov 9 — TreasuryONE Goes Live

Beginning Monday morning, TreasuryONE Digital Banking will become fully available with current account balances and transaction activity. You may begin initiating transactions, sending payments and managing your Treasury Management services through the system. After logging in, confirm that your accounts, users, permissions, templates, limits, alerts and other settings appear as expected.

Your Checklist

Two action windows: what to do starting October 26, and what to finish before November 6.

Starting October 26

Log in to TreasuryONE during the preview period using the access instructions provided to your organization.
Validate users, access levels, templates, limits and other information that has mapped to Independent Bank.
Schedule virtual or on-site training if your team would like help reviewing TreasuryONE.
Print and/or download all existing ACH and Wire template data.

Before November 6

Confirm your business phone number, email address and mailing address are current.
Review authorized users and note any permissions or approval levels you may need to verify after transition.
Save statements, transaction history or reports you want readily available. At least one year of transaction history and statements will be available as part of the transition.
Review scheduled payments, transfers and account alerts.
Record your Bill Pay payees, payment templates, and scheduled or recurring payments. This information will not transfer and must be rebuilt in TreasuryONE.
Make note of account nicknames, payees, recurring transfers and settings you rely on.
Complete time-sensitive banking before the applicable cutoff times.
Confirm you received any new Independent Bank business debit cards that apply to your accounts.
Make sure all active users have logged into the system prior to Friday, November 6, 2026.

Name	Info
Treasury Service Pricing	Beginning January 2027, your existing Highpoint Community Bank Treasury pricing will be grandfathered into Independent Bank systems. Any future pricing changes will be disclosed at that time.
Treasury Service Billing	Highpoint Community Bank customers will not be billed for Treasury services in November or December 2026.
Account Number	Unless you have been notified separately, your account number will remain the same.
Digital Banking	Beginning Monday, October 26, 2026, you will have preview access to TreasuryONE Digital Banking. You can review transferred information and prepare your users, templates, alerts, and settings before the transition. Changes made during the preview period will be saved; however, live balances, current transaction activity, and transaction processing will not be available until Monday, November 9, 2026.
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.
Automatic 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 TreasuryONE Digital Banking.
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 the transition.

HIGHPOINT COMMUNITY BANK ACCOUNT	INDEPENDENT BANK ACCOUNT
AA Cash Management AA Cash Management Plus AA Interest Checking AAM Cash Management AAM Cash Management Plus AAM High Yield Municipality AAM Interest Checking AAM Regular Checking Business Elite Pinnacle Checking Impact Elite Checking	Business Flex Checking Earn a competitive interest rate as your business balance grows Deposit checks from your phone with free Mobile Deposit Pay bills securely with free online Bill Pay, including one-time and recurring payments Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings
AA Regular Checking Business Essential Impact Checking	Business ONE Checking No monthly maintenance fee with a $1,000 or more average daily balance or eStatements¹ Free Mobile Deposit, so you can deposit checks on the go Free Bill Pay to schedule one-time or recurring payments Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings
Business Cash Management Business Cash Management Plus Impact Savings	Business Money Market Earn higher interest rates as your account balance grows with tiered interest levels while keeping your funds readily available Avoid the $15 monthly service fee by maintaining a $1,000 daily balance² Enjoy unlimited in-person and ATM withdrawals for flexible access to your business funds Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings
Business Edge	Eagle Advantage Checking Unlimited monthly transactions, giving your business flexibility to grow without counting transactions Earnings credit may be used to offset the $15 monthly service fee Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings Support from a dedicated banker to help identify solutions for your business
Business Statement Savings	EagleFlex Savings Earn competitive, tiered interest rates—the more your business saves, the more it can earn while keeping funds easily accessible Avoid the $12 quarterly maintenance fee by maintaining a $300 minimum daily balance or enrolling in eStatements³ Enjoy unlimited in-person and ATM deposits and withdrawals for flexible access to your funds Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings
Business High Yield Savings	No change to your current rate or terms. Your Business 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) and IRAs	No change to your current rate or terms.
IOLTA	No change to your current rate or terms.

1 If eStatements are not selected or an average daily balance of $1,000 or greater is not maintained, a $10 monthly service fee will be assessed. The first 500 items processed each month are free; each additional item is $0.50. Currency and coin deposits are free for the first $25,000 deposited each month; amounts above $25,000 are assessed $1.50 per $1,000 deposited. 2 If the $1,000 daily balance is not maintained, a $15 monthly service fee will be assessed. 3 If a $300 minimum daily balance is not maintained and the account is not enrolled in eStatements, a $12 quarterly maintenance fee will be assessed. 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.

Transaction Type	Cutoff Time
ACH Origination	4:00 pm ET
Domestic / International Wires	3:00 pm ET
Positive Pay Decisions	12:00 pm ET
Remote Deposit Capture	6:45 pm ET

Automated Transaction Matching

Payments are automatically verified against your issued-item records.

Quick Payment Approval

Review and approve flagged items directly from your TreasuryONE dashboard.

Secure ACH & Check Protection

Prevent unauthorized withdrawals and check fraud before funds move.

Fraud Prevention

Checks and ACH items presented electronically or in-branch are checked against your approved list.

Learn About Positive Pay

More About Your Accounts & Services

Expand any topic below for the details that apply to your business.

Your Statements

At least one year of transaction history and statements will be available as part of the transition.

Your Highpoint Community Bank eStatement enrollment will not transfer automatically, so beginning Monday, November 9, 2026, a $3 monthly paper statement fee on your Business ONE, Business Freedom, or EagleFlex Savings Account will apply if you are not enrolled in eStatements.

If you currently receive paper statements, a $3 monthly paper statement fee on your Business ONE, Business Freedom, or EagleFlex Savings Account will apply if you are not enrolled in eStatements. Beginning Monday, November 9, 2026, you can enroll in eStatements by logging in to TreasuryONE Digital Banking, by calling 800.530.3719, or by visiting your local branch for assistance.

Bill Pay

Your existing Bill Pay information will not transfer automatically. Before Highpoint Community Bank Bill Pay becomes unavailable, review and record your payees, payment templates, and scheduled or recurring payments.

You will need to enroll in Bill Pay and rebuild this information in TreasuryONE Digital Banking. Bill Pay setup is expected to be available during the TreasuryONE preview period; however, payments cannot be initiated through TreasuryONE until Monday, November 9, 2026.

ATM Access

Beginning Monday, November 9, 2026, you can enjoy fee-free ATM access using your new Independent Bank Debit Mastercard® at Independent Bank ATMs across Michigan and more than 32,000 MoneyPass® ATMs nationwide.

Find an Independent Bank ATM at IndependentBank.com/Locations or a MoneyPass ATM at MoneyPass.com.

Wire Transfers

During the TreasuryONE preview period, review your wire templates, authorized users, approval requirements, and transaction limits. Beginning Monday, November 9, 2026, you can initiate wire transfers through TreasuryONE Digital Banking.

Real-time rate lock is available for foreign currency wire transfers. Contact your banker for assistance or to learn more.

Lockbox Services

New to you through Independent Bank, Lockbox Services can help your business process mailed and electronic payments more efficiently.

Payments are directed to a secure, bank-managed location, where they are processed and deposited on your behalf. This can help accelerate funds availability, reduce manual processing, improve security, and simplify reconciliation through automated data capture and detailed reporting.

Contact your Treasury Management representative to learn whether Lockbox Services are right for your business. Learn more at IndependentBank.com/Lockbox.

QuickBooks & Autobooks

Your current QuickBooks connection will not transfer. Beginning Monday, November 9, 2026, reconnect your Independent Bank accounts in QuickBooks to continue downloading account and transaction information.

Autobooks will transition to IB Payments Center beginning Monday, November 9, 2026. Your existing Autobooks information will not transfer.

Before transition weekend, save any records you wish to retain. Beginning Monday, November 9, 2026, you will need to set up your information and payment activity again in IB Payments Center.

Merchant Services

Your current merchant services and payment-processing systems will continue without interruption. No action is needed.
If you are interested in exploring additional payment-processing solutions, Independent Bank partners with Clover to offer flexible tools for accepting payments and managing your business. Learn more at IndependentBank.com/Clover.

Safe Deposit Boxes

Your box number, size, and access will remain the same. The annual rent that applies to your box size beginning November 9, 2026, is shown below.

Highpoint Community Bank-specific safe deposit box discounts will not carry over after the transition to Independent Bank. Beginning Monday, November 9, 2026, any eligible discount will be based on Independent Bank’s current safe deposit box discount options. Please contact your local banker before Saturday, November 7, 2026, if you believe your box requires special discount consideration.

Safe Deposit Box Prices

Commercial Loans

Effective Monday, November 9, 2026, your Highpoint Community Bank commercial loan will transition to Independent Bank. Unless you have been notified separately, your loan number will remain the same. Your loan terms, interest rate, and scheduled payment amount will not change as a result of the transition.

If your payment is made through an 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 Digital Banking to transfer funds from an external account to make your loan payment, you may need to update your payment instructions after the transition. Additional information and instructions will be provided in a separate mailing.

As part of your ongoing commercial banking relationship, you may continue to be asked to provide financial information, just as you have provided it to Highpoint Community Bank.

Your commercial lender will contact you directly regarding any information needed.