If you have not already been personally contacted, you may continue to use your current Midland Community Bank checks until they are gone or until 12/31/2027, whichever comes first. When you do need to reorder checks, we will automatically update your check order to reflect your new UCB routing number (071108407). If you are low or out of MCB checks, you may order MCB checks through October 9, 2026, or you may wait to order your new UCB checks on or after October 12, 2026.

We will make every effort to update existing direct deposit instructions and any external ACH agreements you currently have in place; however, some companies may require your signature. All internal ACH payments in place between your MCB accounts (e.g., for loan payments, automatic savings, etc.) will transfer and continue as scheduled. This excludes any recurring online banking transfers; these will not stay in place. Please see page 5 for details. For all NEW direct deposits, ACH transaction agreements, and wire instructions, please use your new UCB Routing Number (071108407). Please note: this does not apply to any automatic payments that use your debit card. Please see the debit card question below for more information.

YES. You may continue to use your current Midland Community Bank Debit card(s) until 9:00 a.m. on Monday, October 12, 2026.

You will receive a new UCB Everyday Points Visa Debit card(s) in the mail. It is expected to arrive the week of September 21st.

Upon receipt of your new UCB debit card, please call (800) 992-3808, toll-free, to activate your card and select your PIN (personal identification number). This will ensure your new UCB debit card will be ready for use beginning at 6:00 a.m. on October 12, 2026.

IMPORTANT NOTES & REMINDERS:

1. Activate your new UCB debit card upon receipt, but PLEASE DO NOT USE YOUR NEW UCB DEBIT CARD PRIOR TO 6:00 A.M. ON OCTOBER 12.
    
2. Contact any service providers or creditors who use your MCB debit card number for recurring or automatic payment arrangements. Provide them with your new UCB debit card number and expiration date for payments due on or after October 12, 2026.
    
3. Please destroy and safely discard your MCB debit card on or after October 12, 2026, at 9:00 a.m.
    
4. Update your mobile wallet*. For added convenience when making purchases after October 12 at 6:00am, be sure to add your new UCB debit card to your mobile wallet with Apple Pay, Samsung Pay, or Google Pay.
    
5. Your new UCB Everyday Points Visa Debit card rewards you for your eligible purchases. Earn points on things you buy every day and redeem them for cash back, gift cards, and travel. Visit your Banker or our Everyday Points webpage for more details.
    
6. Tap and go with contactless payments. Your new UCB debit card features the safety and security of contactless payments. Simply tap to pay at the register anywhere you see the contactless payment symbol.
    
7. In addition, your new UCB debit card will include increased Point of Sale (POS) daily limits. You can still access up to $500 in daily ATM withdrawals, and you will now be able to authorize up to $5,000 in POS purchases each day. If your current MCB card is authorized for higher limits, these will remain in place. For even more card convenience and security, learn more about Card Controls in your Digital Banking on page 13.

Assistance & Questions: Our E-Services Team will be available on Saturday, October 10, from 8:00am - Noon and on the Monday holiday, October 12, from 8:00 a.m.-4:00 p.m. CDT to answer your questions, address any issues you may have, and assist you with your new UCB Everyday Points Visa Debit Card Please call us, toll-free, at 877-BANK-104 (877-226-5104).

Beginning at 6:00 p.m. on Friday, October 9, you will be able to login to your current Midland online banking services but will not be able to perform any transfers, mobile deposits, or bill payments. You will, however, be able to view your current balance and limited transaction history.

Our team will be working diligently throughout the weekend to provide you with access to your new UCB Online and Mobile Banking services beginning Saturday, October 10. We anticipate services will be available by mid-morning, but we encourage you to visit UCBbank.com/welcome for the latest updates.

Once these new services are “live,” you will be able to access your accounts online at UCBbank.com and via your UCB Banks Mobile* App. However, please read the following section regarding important times and dates when online account access and activities will be temporarily unavailable.

Digital Banking: Online & Mobile

• Online banking access at mcbbank.net and mobile banking access using your MCB On the Go app will be in View-Only mode beginning at 6:00 p.m. on Friday, October 9, 2026, to begin conversion.
   
• To activate and enroll in your new Digital Banking services for the first time on or after Saturday, October 10, 2026, you will be asked to verify your identity, authorize and enroll your computer/device, and to review and accept new terms and conditions. Please refer to the Digital Banking Enrollment Guide for complete details and assistance getting started.
   
• Once registered and logged in, you can review your accounts and check out your new Digital Banking features. 
   
• Please note: Any account transfers previously setup in your Midland online banking will not carry forward to your new profile. Please reestablish these using Transfers menu. You will also need to reset any account nicknames you had in place. You may reestablish these in your new Digital Banking by selecting the account you would like to rename from your Account Summary, choosing “Details” and “Change Account Nickname” from the dropdown menu.

Bill Pay

• If you are a current online Bill Pay user, your biller information and payment history will not convert. We will be contacting you directly and will be happy to assist you in reestablishing your biller information in your new Digital Banking.
   
• Beginning at 6:00 p.m. on Thursday, October 8, 2026, Bill Pay will be temporarily limited to a View-Only mode. In this mode, you will not be able to make, schedule, or change any online Bill Payments. Please submit or schedule any Bill Payments you need to make before 6:00pm on Thursday, October 8th.
   
• Any pending/scheduled payments (made prior to Thursday, October 8, 2026) are expected to be completed as scheduled.

Assistance & Questions: Our E-Services Team will be available on Saturday, October 10, from 8:00am - Noon and on the Monday holiday, October 12, from 8:00 a.m.-4:00 p.m. CDT to answer your questions, address any issues you may have, and assist you with your new UCB Everyday Points Visa Debit Card Please call us, toll-free, at 877-BANK-104 (877-226-5104).

United Community Bank’s end-of-business-day processing time is 6:00 p.m., Monday - Friday (excluding federal holidays) for all deposits made in person at any UCB Bank or ATM location, online at ucbbank.com, and on a mobile device using the UCB Banks Mobile* App. Transactions conducted after the daily cut-off times will be credited on the next business day.

YES. You will receive new enhanced statements. All customers with either a checking or savings account will receive a cut-off statement through the end of the business day on Friday, October 9, 2026. Interest-bearing accounts (other than Certificates of Deposit and IRAs) will be paid interest through Friday, October 9, 2026. There will be no monthly service or maintenance fees assessed on this statement. After October 11, 2026, interest-bearing accounts will receive the balance of their October interest on their new UCB statement. Savings statements are printed quarterly unless required more frequently, based on transaction activity, or if the account is combined with a monthly checking statement.

UCB offers E-statements (electronic or “paperless” statements) free of charge to all customers. Paper statement production and delivery is $2.95 per month for most accounts. University Checking and accounts with Team 50 Benefits have the option to receive free paper statements, see page 8 for details. Please contact a banker to have your checking and/or savings statements combined, and, if you’re not already enrolled, be sure to login to your digital banking account to sign up for FREE E-statements on or after October 12, 2026.

UCB will become the new custodian of all IRA plans as of the end of the business day on Friday, October 9, 2026. This includes Traditional, Roth & Simplified Employee Pension accounts.

YES. Deposits in both Midland Community Bank and United Community Bank are currently insured for up to $250,000.00 or more, depending on the account’s ownership structure. If you have a savings or checking account with both MCB and UCB, each account, in each bank, will remain fully insured for a 6-month grace period following the merger. Time Deposits (Certificates of Deposit) will be fully insured until the first maturity date after the 6-month grace period. If maturity occurs within the 6-month grace period, the certificate will continue to be covered until the next maturity date if renewed for the same dollar amount and the same terms as the original deposit. For more information, please contact a Banker, visit www.fdic.gov/deposit, or call the FDIC toll-free at 1-877-ASK-FDIC (1-877-275-3342).

YES. This transition does not affect the financing terms of your loan. Your loan number will remain the same and you will now have the added convenience of additional locations. For specific loan account questions, you may contact our Loan Servicing Center toll-free at 1-888-822-4087. The mailing address is PO Box 148, Gillespie, IL 62033. You will receive a letter in the mail outlining the complete details of the changes to your loan service provider.

YES. You can view your loan and make online payments using Digital Banking online at UCBbank.com, or with the UCB Banks Mobile* App. You may also make a one-time mortgage payment on our website. Visit UCBbank.com, select Borrow, and Loan Payment Request.

NO. You will receive all year-end tax reporting forms (for amounts over $10 for deposit accounts and $600 for loan accounts) from United Community Bank.