ONLINE BANKING WITH INDEPENDENT BANK

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1 ONLINE BANKING WITH INDEPENDENT BANK We are excited to introduce you to our unique brand of financial services. As you know, from October 6 9, 2017, we are converting systems to the Independent Bank core processing system. Once complete, you can enjoy all the benefits available to customers, including the convenience and security of Online Banking. By now you have received a Conversion Kit in the mail, containing details on account conversions, an FAQ (frequently asked questions with answers), and a Products and Services Guide (for reference). This mailing provides additional information about our Online Banking system. In preparation to successfully log in and access all of the features available in Online Banking, your action is required. Please read below: UPDATE YOUR BROWSER AND USER PROFILE In order to have access to Online Banking on October 10, these two steps should be completed in advance of the conversion. 1. Please call to verify that each user has a current direct phone number, physical address and on file. 2. You must also have a current Internet browser. Compatible browsers include Google Chrome 37 and later, Microsoft Internet Explorer 11.X, Microsoft Edge, Mozilla Firefox 33 and later, or Safari OFFLINE OCTOBER 6-9 As we complete the conversion process over the weekend, Online Banking will be unavailable. Beginning at 3:00 p.m. on Friday, October 6, you will not be able to input any transfers. Since the Bank will be closed on Monday, October 9 in observance of Columbus Day, full access to our Online Banking system will be available beginning Tuesday morning, October 10, LOGGING IN You will continue to use your existing login ID that you are currently using to access Online Banking. Please follow the enclosed First-Time Login Instructions when you access the system for the first time. ONLINE BILL PAY Access to view, create and/or update online bill payments will be unavailable beginning at 3:00 p.m. on Friday, October 6, 2017, and will remain unavailable until Tuesday, October 10, Your current payees, recurring payments and ebills will transfer to the new system. Your payment history will be available by October 10, Any payment inquiries can be directed to Questions? Contact us at ibtx.com/welcome or We re here to help! RAISING RAISING STANDARDS STANDARDS TOGETHER TOGETHER

2 BALANCE TRANSFERS Future dated or recurring balance transfers (transfers that you make within the Online Banking system from your checking account to your savings account or from your checking account to pay a loan payment) will NOT automatically migrate to the new system. Please print out a record of those transfers before October 6, 2017, and re-enter them after October 10, 2017, on the new system. ALERTS Any account, security, transactional or date alerts you have set up will NOT be automatically transferred to the new system. You will need to re-enter them after October 10, 2017 on the new system. ESTATEMENTS Prior estatement history will not convert over to the new system. Please print or save any previous estatements prior to October 6, Your final Northstar statement will be mailed to you shortly after conversion. Beginning October 10, 2017, any new Independent Bank estatements will be available by logging into Online Banking. FINANCIAL MANAGEMENT SOFTWARE If you use financial management software (like Quicken) in conjunction with Online Banking, remember to redirect your software to the Independent Bank Group connection. POPMONEY PopMoney will no longer function for your person-to-person payments as of October 6, IndePay is our secure, convenient social-payment solution. IndePay allows you to make payments and transfer funds electronically in real time, and can be found under Services in the Online Banking navigation menu. CONVENIENCE SERVICES Visit ibtx.com to find out more about Text Banking, our Mobile Banking App and our Mobile Deposit feature. To deposit checks from your mobile device, you will need to re-enroll in Mobile Deposit after downloading the Independent Bank Mobile App. QUESTIONS Please call , or use the Contact Us link at ibtx.com. Also, all communications related to this conversion have been posted on our website. Visit ibtx.com/welcome.

3 FIRST-TIME LOG IN INSTRUCTIONS On or after October 10, 2017, please follow these steps to log in to the Online Banking portal. 1. Go to: 2. Click on Online Banking to the right of the Log In box, and select First Time User from the list. 3. Click I am a new user.

4 4. Enter your previous Login ID and click Submit. 5. Select a method of delivery for your secure access code. It can be sent by , phone call, or text message.

5 6. Enter the secure access code you receive. Click Submit. 7. Create a new password. Click Submit.

6 8. Verify your profile information and make any necessary changes. Any fields that have an asterisk (*) next to them are required. Click Submit Profile. 9. You will then see the Online Banking Agreement which includes the E-SIGN Act Disclosure. Be sure to read through the agreement and click I Accept to continue.

7 10. You will then see the Get Started screen. Click Get Started to continue into Online Banking. 11. Once you have successfully logged in, you will see a screen similar to this that will show balances and masked account numbers for each account that has been added to your Online Banking profile. **xxxx

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