<div id="readability-page-1"><div>Intercredit Bank, N.A. Announces Transition to its Digital Model, Pibank Transition, expected to be completed by summer of 2026 pending final OCC approval, melds digital banking with personalized human support Miami-based Intercredit Bank today announced the next phase in its evolution: a strategic transition to a digital banking model under its brand, Pibank. This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20260331242773/en/ <img src="https://imageproxy.pbkrs.com/https://mms.businesswire.com/media/20260331242773/en/2762122/4/Pibank_Headquarters.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" original-src="https://imageproxy.pbkrs.com/https://mms.businesswire.com/media/20260331242773/en/2762122/4/Pibank_Headquarters.jpg"/>Pibank Headquarters The transition model it is implementing brings together seamless digital capabilities with dedicated human support. Pibank was successfully launched in the United States in 2024 and has over $2 billion in assets, a testament to the demand for its product. Intercredit will now unify its operations under the Pibank name, and complete its transformation into a branchless, cashless, digital-first bank by the end of summer 2026. The strategic shift reflects consumer demand for digital platforms, coupled with the unprecedented success of Pibank since its launch. This operating model and brand alignment means the delivery of a streamlined, technology-driven experience for U.S. customers through Pibank, with the added benefit of personalized service through a dedicated customer support team available seven days a week, from 8:00 a.m. to 8:00 p.m. ET. The bank will continue providing lending solutions through our experienced team under the Pibank brand, with a focus on small business loans, commercial real estate loans, and residential lending. “The transition to a fully digital model reflects what we have built to-date through Pibank, and we will now continue to build upon as a digital-first bank with the personalized support of a dedicated team of professionals,” said Francesc Noguera, Chief Executive Officer of Intercredit Bank, who will assume the same title under Pibank. “More importantly, the transition meets the needs of today’s digital banking consumer. We are proud of the strong foundation established by Intercredit Bank, and those roots remain central to our identity as we move forward.” Pibank continues to provide a digital first digital banking experience without brick-and-mortar locations, while offering highly competitive, high-yield Pibank Savings products nationwide, complemented by attractive small business and commercial lending solutions designed for today’s digital-first customers. “The success of Pibank in the United States is driven by the dedication and commitment of our team,” Noguera added. “This evolution is built on their work, our values, and our shared vision for what banking should be.” Additional updates regarding the transition will be shared as the bank progresses toward full implementation in 2026. For more information, please visit: www.pibank.com About Pibank US Pibank is an online financial services organization offering competitive, high-yield savings products. Originally launched as the digital banking brand of Intercredit Bank, the institution is in the midst of a transition to a fully digital, branchless model, expected to be completed by the middle of 2026. The bank will continue providing lending solutions through an experienced team, now under the Pibank brand, with a focus on small business loans, commercial real estate loans, and residential lending. For additional information, visit www.Pibank.com. <table> <tbody><tr> <td> Member FDIC </td> <td> Equal Housing Lender </td> </tr> </tbody></table> <img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1tc3RyMyZzdHk9MjAyNjAzMzEyNDI3NzNyMQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" original-src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1tc3RyMyZzdHk9MjAyNjAzMzEyNDI3NzNyMQ"/> Media Contacts: Yvette Erviti-Lopez press@pibank.com View source version on businesswire.com: https://www.businesswire.com/news/home/20260331242773/en/</div></div>

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Intercredit Bank, N.A. 正在向數字銀行模式轉型，品牌為 Pibank，預計將在 2026 年夏季完成，待 OCC 批准。此次轉型將數字銀行與個性化的人類支持相結合，反映了消費者對數字平台的需求。Pibank 於 2024 年推出，資產超過 20 億美元，將統一運營，專注於小型企業、商業房地產和住宅貸款。首席執行官 Francesc Noguera 強調在這種以數字為先的方式中個性化服務的重要性，轉型進展的更新將會在進行中分享

Intercredit Bank, N.A. Announces Transition to its Digital Model, Pibank

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Intercredit Bank, N.A. 宣佈將轉型為其數字化模式 Pibank