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Dear Valued Stone Bank Customer,

As part of our commitment to remain a leader in banking technology, we are pleased to announce that we will soon upgrade our online banking systems. These new systems will help us improve our customer service, while enabling us to offer the most up-to-date products and services.

As a result of the upgrade some of our systems may be temporarily unavailable for a short period of time. We want you to be aware of these changes and ask that you read this letter carefully to help ensure the transition to our new systems causes you as little disruption as possible.

Upgrade Time Frame
Start: Friday, April 12th, 2019 at 5:00 pm CST Finish: Monday, April 15th, 2019 at 8:00 am CST

Online Banking
Online Banking will have a fresh new design and will include have a great number of new features!

The current version of the Stone Bank Online Banking program will be placed in an “inquiry only” mode on Friday, April 12th, 2019 at 5:00 pm CST. In inquiry only mode, you may view balances, past account activity and download electronic statements. We will keep the Online Banking available in an inquiry only mode until Monday, April 15th, 2019 to allow you time to download any history and electronic statements. The new Online Banking program will not be updated to reflect changes in balances or transactions that occur after April 12th, 2019.

New Version Availability
The new and improved Online Banking service will be ready to use on Monday, April 15th, 2019 at 8:00 am CST.

Online Banking Website Address
The website address of Online Banking will change after the upgrade. Please note that if you have an Internet favorite or a bookmark established for the current site, you must go to our homepage www.stonebank.com and click the online banking link to access the new version.

User ID
Your Online Banking ID will stay the same.

Password
The first time you login to the new version of Online Banking, your password will be the first four letters of your last name (lower-case) and the last four numbers of your social security number. You will then be prompted to select a new password. Your new password is case-sensitive and must be a minimum of 8 characters in length with a maximum length of 17 characters. The password must include a combination of a minimum of five letters, an uppercase letter, a lowercase letter and at least one number.

Security Data
When you first login to Online Banking after the upgrade, you will be asked to select new security data including a new image, a new pass phrase, and 3 new security questions. Your previously entered security data will not be retained through the upgrade, as it is highly confidential.

Check Images & E-Statements
Your check images, transaction history and e-statements should carry over to the new system. Please contact us if you have any problems.

Automatic Transfers
If you previously set up automatic, recurring transfers within Online Banking, we anticipate that these will carry over to the new system. Please review your automatic transfers by clicking on the “Transfers” button.

Alerts
If you previously set up alerts to notify you of events such as a low balance, they will not carry over to the new system. To recreate your alerts, simply click the Options button from the menu, after you login.

User Agreement
You will be prompted to review and agree to new terms and conditions for the Online Banking service. Please review this document carefully.

Online Bill Pay
If you are currently a registered user of Online Bill Pay, you will see many improvements to your service.

We anticipate that the payees that you created in Bill Pay will transfer over to our new system. Please review your payee information the first time you login. Your prior payment history should transfer. Please let us know if you experience any problems.

Online Banking App
Our online banking app is brand new and tailored for IOS and Android devices. You will be able to download the app from Marketplace or the Apple App Store. Your internet banking password can be used to authenticate your access to the smartphone application.

Customer Assistance
In order to be available for questions when it’s most convenient for you, we have temporarily extended our telephone customer service hours on evenings and weekends.

Customer Service
We have added a dedicated group of employees that can help you with questions about any part of our banking services from checking accounts to online banking. You can reach this team at 833-253-2265, via email at customerservice@stonebank.com, or by visiting any Stone Bank office.

More Information You can also visit our homepage at www.stonebank.com to learn more about the technology upgrade.

We appreciate your patience during this upgrade. We are confident that you will enjoy the benefits of these changes and we encourage you to watch for exciting announcements about new products and services coming in the near future.

Sincerely,

Marnie Oldner
CEO, Stone Bank

Dear Valued Stone Bank Customer,

As part of our commitment to remain a leader in banking technology, we are pleased to announce that we will soon be upgrading our computer processing systems. These new systems will help us improve our customer service to you, while enabling us to offer the most up-to-date products and services.

The upgrade will impact the products and services you use here at the bank. As a result of the upgrade, some of our systems may be temporarily unavailable for a short period of time. We want you to be aware of these changes and ask that you read this letter carefully to help ensure the transition to our new systems causes you as little disruption as possible.

Upgrade Time Frame
Start: Friday, April 12th, 2019 at 5:00 pm CST Finish: Monday, April 15th, 2019 at 8:00 am CST

Branch Hours
All branches will close at 5:00 p.m. on Friday, April 12th and reopen at their normal time on Monday, April 15th, 2019.

Account Numbers & Checks
Your account number(s) will not change for any product or service we offer. You may continue using your current checks and deposit slips.

Automated Transfers
If you have set up Overdraft Protection or Automatic Transfers between your accounts here at Stone Bank, these services will continue after the upgrade.

Debit Cards
You will keep your current debit card and your card number will not change.

Our technology upgrade will allow us to process transactions quicker, positively impacting your debit card services. This means that your account balance will reflect up-to-the-minute transactions and will provide more accurate balances that are available for debit card purchases or withdrawals.

Loan Accounts
Loan numbers and payment due dates will stay the same for all customers.

Telephone Banking
Stone Bank will no longer offer Telephone Banking. Please contact any of our Boulder Bankers at 833-253-2265 to set up Internet access for your account.

Statement Format
Statements will feature a new and improved format that will be easier to read and understand.

Extra Statement in April
All checking, savings, and money market account holders, including those who have elected to receive their statements electronically, will receive a paper account statement for activity through April 15, 2019. This statement may reflect fewer days than what you are accustomed to seeing. We will also pay any accrued interest to checking, savings and money market accounts on April 15, 2019.

Notices
All standard bank notices (example: CD maturity notices, overdrafts) will have an improved look and format after the upgrade.

Telephone Customer Service Hours
We have added a dedicated group of employees that can help you with questions about any part of our banking services from checking accounts to online banking. You can reach this team by dialing them directly at 833-253-2265, email us at customerservice@stonebank.com, or by visiting any Stone Bank office. Our schedule of telephone customer service hours to help you during our upgrade is listed below.

8:00am to 5:00pm: Monday, April 15, 2019 – Friday, April 19, 2019.

More Information You can also visit our homepage at www.stonebank.com to learn more about the technology upgrade.

We appreciate your patience during this technology upgrade. We are confident that you will enjoy the benefits of these changes, and we encourage you to watch for exciting announcements about new products and services coming in the near future.

Sincerely,

Marnie Oldner
CEO, Stone Bank