BUSINESS BANKING CHANGES COMING THIS FALL

• Now through September 8, 2026, ATM functionality will be temporarily limited for customers with multiple checking or savings accounts. During this period, ATM access will be restricted to the primary checking and savings accounts linked to your debit card, and ATM deposits and PIN changes will not be available.
• If you need to change your primary accounts or PIN, you can visit your local branch or call our Customer Care Center at (800) 448-7768 for assistance. We understand these temporary changes may affect how you manage your accounts, and we appreciate your patience as we work to support a smooth experience.

• Any fees associated with business cash deposits will be assessed at month-end rather than on the first business day of the following month.

•  You will receive a one-time checking and savings account statement reflecting activity through Friday, September 4, 2026. If your account is interest bearing, accrued interest will be paid. Monthly service fees, if applicable, will not be charged. Other applicable service fees will be assessed.
• For ATM transactions that are assessed a surcharge by the ATM owner, the fee amount will be reported separately from the transaction amount on your account statement rather than added to the withdrawal amount.
• Your statement will now show each check as a separate line item in the statement detail, instead of one total accumulated debit amount. As a result, your statement may include more pages than it does today.
• Statements will be sent to the address we have on file for your accounts at the time of our systems upgrade. Please notify us of any address or seasonal address changes at the time of the change.
• You may receive an analysis statement in addition to your monthly statement; no action is required.

•  Today, cash back posts the day after your statement cycle date. After September 8, 2026, it will be posted on your statement cycle date.

• ATM and POS transactions completed through 7:00 p.m. will be considered same-business day transactions. Transactions after that time will apply to the next business day.

• Transaction history for deposit accounts from January 1, 2026, through the system upgrade will transition to our new core banking platform, and we encourage you to download your full transaction history prior to January 1, 2026, for your records prior to September 4, 2026.
• You may see some changes in the descriptions of transactions when you view history in ProvidentConnect for Business starting September 8, 2026.
• Historical transactions for loans will not transition to our new platform and will not be available in ProvidentConnect for Business. We encourage you to download your full transaction history for loans for your records prior to September 4, 2026.
• If you require a copy of your transaction history, we’re here to help. You can request it by visiting your local branch or calling our Customer Care Center at (800) 448-7768. Large orders of statements may not be available the same day. If you choose to have the bank print these documents, please refer to your schedule of fees for any applicable charges.

• The order in which transactions post to your account is changing. When more than one transaction is processed on the same day, they will generally post in this order:
  – Overdraft and returned item fees may be applied first
  – Checks and other paper payments will be processed next
  – Other account fees, such as maintenance or service fees, will be applied afterward
  
  
• This posting order may be different from the order in which you made the transactions. Because of that, it may affect your account balance and any fees charged.

• The available balance displayed in ProvidentConnect for Business for your checking account will no longer include the available balance of any linked line of credit or sweep account relationship.

• Interest rates on CDs will move from a tiered structure to a single rate across all balances. This change does not affect your current CD interest rate or annual percentage yield (APY), which will remain in effect through your CD’s maturity.
• If you receive interest payments for your CDs by check, going forward you will receive individual checks for each CD. CD interest check payments will no longer be combined.

• All safe deposit box account numbers will be renumbered to identify your branch. No action is required on your part. This change will be reflected on your next billing notice following September 8, 2026.
• Your physical safe deposit box number is not changing and will be shown on your Provident billing notice. 
• You can continue to use the same key(s) you received at account opening to access your safe deposit box. 
• The location of your safe deposit box is not changing. 

• Loan account numbers will be adjusted to include a five-digit loan note number. The additional five digits will follow your current account number (e.g., 00000123456-00001).
• You will see your updated loan account number on your first loan statement after September 8, 2026.

• If you have used a Small Business Line of Credit check between August 31, 2025, and August 31, 2026, we will send you new Small Business Line of Credit checks.
• If you do not currently have Small Business Line of Credit checks or have questions about accessing your Small Business Line of Credit, please call our Customer Care Center at (800) 448-7768. 
• After September 7, 2026, please destroy any older, unused checks in your possession.

• Some accounts will be renamed as part of the system upgrade as outlined below. The new product names will appear on account statements starting September 8, 2026. There are no changes to the features or pricing of these accounts.

*Any account-specific pricing, fee arrangements, or compensating balance requirements established pursuant to separate agreements with the Bank will remain governed by those agreements, unless otherwise communicated by the Bank.