PRODUCTS AND SERVICES GUIDE INFORMATION ABOUT THE TRANSFER OF YOUR BUSINESS ACCOUNT FROM ALOSTAR TO CADENCE BANK. A division of Cadence Bank, N.A.

WELCOME TO CADENCE BANK. WE ARE VERY PLEASED TO INTRODUCE YOU TO CADENCE BANK AND TO WELCOME YOU AS CLIENTS. ALOSTAR BANK WILL BE A DIVISION OF CADENCE BANK. WE WANT TO EXTEND YOU A WARM WELCOME. You will find that we share the same unwavering commitment to exceptional client service that you have come to enjoy. First, a little bit about us. At Cadence, we believe in delivering what we say we will, when we say we will. We believe that listening is at the heart of good service. And we believe that we will reach our vision by living up to our promises, and by living up to our responsibility of delivering products and services of real value to our customers. We are a motivated ally, informed and responsive, and willing to lead and be accountable. Every day, our associates seek to build long-lasting banking relationships that will enable you, our customers, and our communities to prosper. You can count on us to be nimble enough to give you the attention you deserve and the reliability you expect. In this guide, you will find information that will be helpful in the weeks ahead, including important details about conversion weekend. That is when your AloStar Bank accounts will change to Cadence Bank s AloStar division. This guide features essential details about your account information, checks, debit card, online banking, online bill payments, transfers, and more. Please take some time to review these details and keep this guide as a useful reference. It is our privilege to be your bank.

KEYS TO THE TRANSFER OF YOUR BUSINESS ACCOUNT ACCOUNT INFORMATION For most customers, checking, savings, CD, money market, loan and line of credit account numbers will not change at conversion. If there is a need to make a change, Cadence Bank will notify you by mail in a separate letter. The routing number for Cadence Bank is 062206295. CHECKS Please continue to use your existing checks and deposit slips until it is time to reorder. Then call 800-636-7622 for reorders. BUSINESS DEBIT CARDS You may also continue to use your existing business debit card. On February 19, 2019, your debit card s daily transaction limit will increase to $5,500 per day, with these limits by transaction category. If you have a custom pre-set daily transaction limit, it will be unchanged. Cadence Bank State Bank Transaction Type Daily Limit Daily Limit Signature $2,500 $2,500 PIN $2,500 $2,500 ATM* $500 $500 New Daily Transaction Limit $5,500 Previous Daily Transaction Limit Total was $2,500 BUSINESS ONLINE BANKING AND BILL PAY Cadence Bank s Business Online Banking will be available to you on February 19. You can find more details about the conversion to Cadence s Online Banking on page 12 of this guide. ENSURING UNINTERRUPTED DIRECT DEPOSITS, PAYMENTS AND TRANSFERS If you have set up automatic payments or withdrawals taken directly from your account, please notify the affected business or merchant so the payee recognizes the payment as coming from Cadence Bank s routing number, which is 062206295. *No ATM fee is applicable. HAVE QUESTIONS? GET IN TOUCH Call 800-636-7622 Visit cadencebank.com/sbt 2

YOUR NEW BUSINESS ACCOUNTS ACCOUNT OPTIONS Please see the business account summary on page 6 for more information about these checking and savings accounts. ALOSTAR BANK converts to CADENCE BANK ACCOUNT ACCOUNT Micro Business Checking Ignite for Business - AloStar Commercial Money Market Commercial Money Market - AloStar Public Funds Commercial Money Market Public Funds Money Market - AloStar ACCOUNT NUMBERS AND CHECKS Unless otherwise notified by us, your checking and savings account numbers will not change. You can continue to use your existing supply of AloStar checks and deposit slips until otherwise notified. If you order checks from a source outside the bank, use your account number and the Cadence Bank routing number: 062206295. In the event we need to change your account number to protect your account, you will receive additional information from us before February 19. 4

BUSINESS ACCOUNTS SUMMARY These Cadence services are available at no additional charge with your Business Checking Account. Basic Online Banking estatements Debit Card Debit Card Fraud Protection Allpoint and Presto! ATMs IGNITE FOR BUSINESS Key Features Designed for businesses that process fewer than 200 items per month 2 In Comparison to Your Current State Bank Account Simplified fee structure plus 200 items processed with no additional charge Minimum Opening Deposit Monthly Service Charge $50 $10 To Avoid Monthly Service Charge Maintain a $1,500 minimum daily balance Transaction Limits 200 Cost for Additional Items Over Limit $0.25 per Item over Limit Earns Interest No Discounts on Safe Deposit Boxes Where available MarketWise Personal Checking Account Available at No Charge for the Business Owner(s) Yes Online Bill Pay at No Additional Charge 3 Yes 1 Available only for legacy State Bank clients whose accounts were converted to this account. 2 Items are defined as debits, credits and deposited items. $0.25 transaction fee per item for all items over the specified limit. 3 Upgraded Online Banking capabilities available for an additional fee. 6

CERTIFICATES OF DEPOSIT / IRAS COMMERCIAL MONEY MARKET 1 PUBLIC FUNDS MONEY MARKET 1 Key Features Insured with a stated interest rate and variety of terms Tiered rates of interest Tiered rates of interest In Comparison to Your Current State Bank Account No change in rate, term, maturity date or withdrawal penalty during the initial term of your CD/IRA. Will earn the same interest rate at conversion. Requires a minimum daily balance to avoid monthly service charge. Will earn the same interest rate at conversion. Requires a minimum daily balance to avoid monthly service charge. Minimum Opening Deposit Minimum to Earn Interest Monthly Service Charge Varies $1,000 $1,000 Varies $0.01 $0.01 None $10 $10 To Avoid Monthly Service Charges Not applicable Maintain a minimum daily current balance of at least $1,000 during the statement period Maintain a minimum daily current balance of at least $1,000 during the statement period Monthly Transactions 2 Not applicable 6 withdrawals per statement cycle, then $8 per transaction in excess of 6 6 withdrawals per statement cycle, then $8 per transaction in excess of 6 1 Available only for legacy State Bank clients whose accounts were converted to this account. 2 The number of withdrawals or transfers from a savings or money market account is limited to six per month by in-person withdrawals, pre-authorized transfer, automatic or telephone transfer, checks, drafts, debit card and similar transactions. 7

INTEREST ON BUSINESS CHECKING, SAVINGS AND MONEY MARKET ACCOUNTS PAYMENT OF INTEREST Cadence pays simple interest on business checking, savings and money market accounts. That interest is compounded and credited to checking and money market accounts monthly and to savings accounts quarterly. VARIABLE INTEREST RATE Variable interest rates on checking, savings and money market accounts are subject to change at any time and are set by AloStar, a division of Cadence Bank. The Annual Percentage Yield (APY) will appear on your monthly or quarterly personal account statement. If you are seeking a fixed rate of return, Cadence Bank offers Certificates of Deposit to meet your investment needs. MINIMUM DAILY BALANCE REQUIREMENT If you have one of these accounts (Ignite for Business, Commercial Money Market or Public Funds Money Market), you can avoid the monthly service charge by maintaining a minimum daily balance in your account. If your daily balance falls below the minimum on any day during the statement cycle, the monthly service charge will apply. CERTIFICATES OF DEPOSIT ACCOUNT NUMBERS In order to prevent duplication, all CD account numbers will become 10 digits in length. If this should cause your CD account number to change, we will notify you in advance of conversion. INTEREST RATE AND MATURITY DATE ARE UNCHANGED There will be no change to your interest rate or the maturity date(s) on your Certificates of Deposit (CD). They will remain the same until maturity. RENEWAL All CDs will be renewed automatically unless you chose another option. If you wish to add to or change the term of your CD, there is a 10-day grace period for automatically renewing certificates without penalty. To find rate information when your CD matures, call 800-636-7622. 8

INTEREST Accrued interest not yet credited to a CD may be withdrawn without a penalty. However, interest credited during a previous term is considered principal and cannot be withdrawn without penalty. Current penalties established by AloStar will remain in effect until your current CD matures and through auto-renewal, if applicable. Interest will continue to compound in the same manner as AloStar CDs until maturity and through auto-renewal. When you open a new CD on or after February 19 (not a renewal of an AloStar CD), Cadence interest calculations and penalties will be detailed in the Truth in Savings Agreement provided at account opening. 9

ENSURING YOUR DIRECT DEPOSITS, AUTOMATIC PAYMENTS AND TRANSFERS ARE UNINTERRUPTED DIRECT DEPOSITS Cadence Bank will contact the organizations that deposit directly into your account(s) and inform them of the change in your bank routing number. While many organizations will accept our notification, some may not and may cancel your direct deposit. Please notify the appropriate parties of the new routing number: 062206295. If you currently have scheduled direct deposits, we strongly recommend you contact those sources starting February 19 to verify that all changes have been made. If you encounter a problem with your automatic deposits, please contact us at 800-636-7622. AUTOMATIC PAYMENTS If you have automatic payments drafted from your checking or savings account(s), you will also need to change all automatic withdrawals or payment services to your new Cadence Bank account(s), so they recognize the payment coming from Cadence Bank s routing number. You can notify your electronic payee(s) and provide them your new routing number: 062206295. YOUR DEBIT MASTERCARD You can continue to use your State Bank Debit MasterCard after February 19. Before it expires, you will receive a new Cadence Bank Debit Card with activation instructions. Please continue using your State Bank Debit Card and PIN surcharge-free. You may also use your debit card surcharge-free at any Allpoint or Publix Presto! network location. Cadence Bank also provides a fraud monitoring service for your card. RECURRING DEBIT CARD PAYMENTS NO ACTION IS REQUIRED If you currently have automatic, recurring payments to merchants or other companies using your State Bank Debit Card, those will continue without interruption after conversion. DEBIT CARD FRAUD PROTECTION With the SecurLOCK Equip app, you can see a message on your mobile phone as soon as a charge is made to your debit card. And if you didn t make that purchase, you can immediately use the app to turn off your debit card to reject more misuse. Download the free SecurLOCK Equip app from the App Store or Google Play. SecurLOCK Equip is a registered trademark of FIS Global. Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and Android are trademarks of Google Inc. 10

CONVERTING TO CADENCE BANK S BUSINESS ONLINE BANKING BEFORE FEBRUARY 15 PREPARE YOUR STATE BANK ONLINE BANKING FOR CONVERSION Beginning Friday evening, February 15, State Bank s Online Banking will be available in view-only mode as we prepare for conversion. Thank you in advance for your patience during this transition. View-only mode means you will be able to view transactions completed through Friday on State Bank s Online Banking. You will be able to initiate new transactions beginning Tuesday, February 19, on Cadence s Allegro! portal. Unless you hear otherwise, your User ID will remain the same. Your State Bank estatements will not be available in Allegro! after conversion. For your convenience, Cadence will maintain State Bank s Online Banking system for 60 days so you have time to print or save your old estatements if you wish to maintain a copy. Verify and print how you ve set up these features in State Bank s Online Banking system in case you want to replicate them in Cadence s Allegro! portal: > ACH Payment Information > Wire Payment Instructions > Recurring Account-to-Account Transfers > User Entitlements STARTING ON TUESDAY, FEBRUARY 19 LOG IN TO CADENCE BANK S BUSINESS ONLINE BANKING SYSTEM ALLEGRO! The Cadence Allegro! portal is a cash management solution that integrates the services you need to manage cash balances, daily transactions and information. Our goal is to make an intuitive experience and get you the information you need in the way you need it. Log in to Allegro! at https://portal.cadencebank.com. Be sure to bookmark the portal for future use. You can also access Allegro! from the Cadence Bank homepage at cadencebank.com. Certified browsers include Internet Explorer 10 and up, Google Chrome and Firefox. The login process will change only slightly. User ID: Enter your State Bank User ID (alias). Your user ID will be converted. Authentication and Sign in: The login wizard will prompt you to select the method (email or phone) in which you would like to receive your one-time PIN for authentication prior to proceeding to create your password. Once you enter your one-time PIN, you may then proceed to establish your security questions and, if needed, update your personal information. 12

Multi-factor Authentication (MFA) One-Time PIN at Login: If your company has required that a one-time PIN be part of your login process, this MFA method will be converted. Token at Login: If you currently use a token to log in to State Bank s Online Banking or Cash Manager, this method will not be converted. Your Treasury Professional will contact you to discuss MFA options. YOUR NEW ONLINE BANKING SERVICE Cadence Bank Allegro! is easy to use, secure, and gives you 24-hour access to your account information. Our customers have a single point of access to initiate a variety of transactions and review all account information online. Our goal is to provide you with a convenient way to do banking from anywhere. The login process to Allegro! will change slightly. We have detailed the login process under Log in to Cadence Bank s Business Online Banking System Allegro! on the preceding page. STATE BANK SERVICE converts to CADENCE BANK SERVICE Online Banking Allegro! Business Online Banking This system provides you with: 13 months of Cadence transaction history and 7 years of Cadence estatements Ability to perform account transfers within your accounts Ability to place stop payments Access to Bill Pay HAVE QUESTIONS? GET IN TOUCH Call 800-636-7622 Visit cadencebank.com/sbt 14

ENHANCED SECURITY TRUSTEER RAPPORT If you have not already downloaded Trusteer Rapport security software to your computer, it is still available and you can install it for added security. Like State Bank, Cadence Bank provides Trusteer Rapport free of charge as an added layer to protect your online banking communication from being stolen by criminals. Rapport is highly recommended by Cadence Bank as an additional layer of security to any anti-virus or security software you already use. By protecting your internet connection and creating a tunnel for safe communication with your online banking website, Rapport blocks malicious attempts to steal money from accounts. If you have not already downloaded it, you will get a prompt to download Trusteer Rapport after you log in to Online Banking. MONITOR OUR PROGRESS cadencebank.com/sbt You can follow the Online Banking and Treasury Management conversion at cadencebank.com/sbt We will provide updates in advance of and during conversion weekend. This microsite will include: A handy link to log in to Allegro! for the first time A list of Treasury Management training sessions you can enroll in at your convenience A link to State Bank s estatements to view or print And much more You can also call our Treasury Management Client Support/Premier Partners at 800-329-0289 for assistance. 16

ADDITIONAL INFORMATION ABOUT BANKING WITH CADENCE BANK TELEPHONE BANKING Soon you will have access to Cadence Bank s 24-Hour Telephone Banking. This service gives you access to your account information by calling 800-636-7622. On your first call to 24-Hour Telephone Banking, you will need your account number to access the system. Your PIN will be the last 4 digits of the Tax ID Number associated with your business account, and you will be prompted immediately to change your PIN. BANK STATEMENTS You will receive a final State Bank statement with account activity through Friday, February 15, with no monthly service charge and any accrued, unpaid interest credited. After conversion, your statement delivery date will change. Your first statement from Cadence will be either a partial or full month statement based on our cycle dates. Any monthly service charge for your final State Bank statement and your first two Cadence Bank statements will be waived. ELECTRONIC STATEMENTS Cadence Online Bank Account statements are available to you in Allegro! for seven years from the statement date. You will continue to have access to State Bank estatements via State Bank s Online Banking or Online Cash Manager for 60 days after conversion. We encourage you to download all available statements and save them on your network before April 19, 2019. ACCOUNT AGREEMENT AND DISCLOSURES Cadence Bank s Deposit Account Agreement and Disclosures booklet is enclosed, which contains our terms and conditions. SCHEDULE OF CHARGES A complete list of miscellaneous and online service charges is also located in the Account Agreement and Disclosures booklet enclosed. 18

LOANS AND LINES OF CREDIT The terms and conditions of all loans, including note rate, term, payment and payment due date, will remain the same. After conversion weekend, you will make your payments by mail. Your monthly loan notices from Cadence Bank will have a new size, format and summary information. Please begin using your monthly loan notice to make your payment. (We will continue to honor payments via existing coupon books, but no new coupon books will be issued.) We encourage you to make your payment payable to Cadence Bank and mail it to: CADENCE BANK P.O. BOX 4295 HOUSTON, TX 77210 19

INDEX Accounts Summary...6-7 Automatic Payments...10 Bank Statements... 18 Business Accounts...4 Certificates of Deposit...8 Debit Card...10 Debit Card Daily Transaction Limits...2 Direct Deposits...10 Electronic Statements... 18 Interest on Checking, Savings and Money Market Accounts...8 Loans & Lines of Credit... 19 Login Instructions... 12 Online Banking...12-16 Routing Number...2 Security... 16 Telephone Banking... 18 20

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