Mountain Commerce Bank Conversion Information

Online Banking

Beginning at the close of business Friday, 11/06/26, possibly through Monday, 11/09/26, Online Banking services may not be accessible. Currently, we are planning for you to be able to sign into Centennial Bank's Online Banking system beginning Monday, 11/09/2026, but no later than Tuesday, 11/10/2026. You can attempt to sign into Centennial Bank’s online banking system by logging into www.my100bank.com.

What You Need to Know:

• A temporary Online Banking password will be mailed to you before 11/09/2026.
• On your first login, use your existing User ID and your new temporary password.
• Personal Finance Management (PFM) tools will no longer be available.
• Any bill payments previously scheduled through PFM can be re-added within your new Bill Pay profile after conversion.

We appreciate your patience as we work to provide you with an enhanced banking experience.

Mobile Banking

Beginning at the close of business on Friday, 11/06/26 through Monday, 11/09/26, Mobile Banking may not be accessible. Mobile Banking will be available on Tuesday, 11/10/26. Currently, we are planning for you to be able to sign into Centennial Bank's Mobile Banking system beginning Monday, 11/09/2026, but no later than Tuesday, 11/10/2026.

What You Need to Know:

• Download the Centennial Bank Mobile App from the Apple App Store® or Google Play™.
• You may complete your initial login to Centennial Bank Online Banking using the mobile app.
• Explore convenient features such as account management, transfers, mobile deposits, and bill pay.
• To learn more about Mobile Banking features and benefits, visit our Mobile Banking page: www.my100bank.com/ebanking/mobile-banking

We're excited to bring you a seamless digital banking experience designed to make managing your finances easier than ever.

Treasury Management

Treasury Management customers will receive detailed information regarding the Centennial Bank Commercial Online system and training in a separate mailing. Mountain Commerce Bank Treasury Management services (ACH origination, wire origination, scheduled transfers, etc.) will be converted to the Centennial Bank Commercial system over the 11/06/26 weekend. The system will be available Monday, Nov. 9, 2026, at 8:00 a.m. ET.

Business customers who use Remote Deposit Capture (RDC) service should expect to hear from our Treasury Management Team soon to help you complete your move to the upgraded system. While we work on that transition, you can continue accessing the Jack Henry SmartPay system by clicking here.

Bill Pay

All pre-scheduled and recurring payments will continue to be processed during the conversion. However, you will be unable to add, edit, or cancel payments from 4:00 p.m. ET on Friday, November 6 through Monday, November 9.

What You Need to Know:

• We recommend avoiding payment delivery dates of Monday, November 9 to help ensure processing.
• Beginning Monday, November 9, Bill Pay services will be available through Centennial Bank Online Banking.
• Business Bill Pay administrators will need to re-establish any sub-user access after the conversion.

What's Changing?

Effective November 9, the following Bill Pay enhancements will apply:

• Electronic Payments
  When Bill Pay processes a payment electronically, the payment will be debited from your account on the business day prior to the delivery date.
• Check Payments
  Funds will be deducted only after the check is presented and clears your account.

Thank you for your patience during this transition. We look forward to providing you with an enhanced Bill Pay experience.

Telephone Banking

Telephone Banking services will remain available through the close of business on 11/6/26, and during the system transition through 11/08/26. Beginning 11/09/26 Telephone Banking will be available through our new system. As part of this transition, a temporary PIN will be assigned to you. To obtain your temporary PIN and access the updated Telephone Banking services, please contact our Customer Care Center on or after 11/09/26, at 1-888-372-9788.

E-Statements

Please print or save any previous E-Statements that you may need to reference prior to 11/06/26, as they will not be available through Centennial Bank’s Online Banking system. All final Mountain Commerce Bank statements will be printed and mailed 11/09/26 via U.S. mail as E-Statements will not be available for the final statement. If you currently receive E-Statements, you will be required to re-accept E-Statements on the Centennial Bank Online platforms. Please visit www.my100bank.com/personal-banking/ebanking/estatements/ for enrollment instructions.

Debit/ATM Cards

You should receive your new Centennial Bank MasterCard® Debit Card the week of 10/26/26. You should receive your PIN in a separate mailer. You will be able to activate your card(s) on or after 11/09/26 via a pin-based or ATM transaction anywhere MasterCard® is accepted. On or after 11/09/26, you can change your PIN at any Centennial Bank ATM or by calling 866-392-9952. Your current Mountain Commerce Bank Visa® Debit will not work as of 11/09/26.

Direct Deposits & ACH

Transaction such as direct deposits and automatic payments will automatically transition to Centennial Bank. When establishing new direct deposits or automated payments on or after 11/09/26 please be sure to utilize Centennial Bank’s routing number (082902757) along with your account number.

Wire Transfers

If you initiate any wire transfers on or after 11/09/26, provide our new routing number to the company or bank involved. The new routing number is 082902757 (for use only on or after 11/09/26).

Instant Payments

Mountain Commerce Bank participates as a receiving financial institution for both the FedNow Instant Payment Service and the Real Time Payments (RTP) network, allowing customers to receive eligible instant payments. Following the conversion to Centennial Bank, this service will no longer be available, as Centennial Bank is not a participant in the FedNow Service or the RTP network. As a result, customers will no longer be able to receive instant payments through these payment networks. Individuals or businesses that currently send payments to you via these networks will need to use an alternative payment method, such as ACH, wire transfer, or another payment option supported by their financial institution.

Checks

You will not have to order new checks as your Mountain Commerce checks will continue to work. Your first re-order of checks placed after 11/09/26 will be changed automatically to Centennial Bank and our new routing number. Please Note: If you order checks from a source other than us, you will need to provide the new routing number to your source when reordering after 11/09/26. The new routing number is 082902757 (for use only after 11/09/26).

Statements

Due to the data conversion, all Mountain Commerce Bank checking, money market, and savings accounts will have a final statement generated on 11/06/26. Please review your final statement carefully for information concerning any applicable interest or service charge. For Business Analysis account holders, charges associated with Account Analysis will be applied earlier than usual on Friday, 11/06/26.

Account Conversions

We will be converting your account into the Centennial Bank product that most closely matches your current product. Please review the 30 day letter for important account type changes. If you are not sure of your current account type, you can find it on your monthly statement. We invite you to meet with one of our representatives any time on or after 11/09/26 to learn about the variety of products we have to offer and determine if there is another product that would better suit your needs.

Overdraft Privilege

Overdraft Privilege is available on most checking accounts, both business and personal. There are conditions that will apply in order to receive and maintain this Overdraft Privilege feature. Please read accompanying information explaining Overdraft Privilege program in detail.

CD & IRA Transition

The interest rate on your Certificate of Deposit (CD) and/ or Individual Retirement Account (IRA) at the date of conversion (11/06/26) will remain unchanged until the next maturity of your CD and/or IRA. Additional deposits cannot be made to Certificates of Deposit during the term.

Early Withdrawal Penalties

Early withdrawal penalties will change effective November 9, 2026.

CD/IRA Term	Penalty
30 Days - 5 Months	1 Month Interest
6 Months - 23 Months	3 Months Interest
24 Months - 60 Months	6 Months Interest