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Do more with APG Federal Credit Union Mobile Banking. Startbankingwherever you are with APGFCU Mobile Banking App! Availableto allmembers enrolled in Online Banking. APGFCU Mobile Bankingappallows you to check balances, make transfers, deposit checksandfind locations. Features: •New look to make it easier tofindinformation on your account and transactions. •Check balancesandsearch transaction by date, amount or check number. •Sendmoneyvirtually to friends with person-to-person (P2P). •Transferfundsamong your APGFCU accounts. •Deposit checks using yourphone’scamera with Mobile Deposit. (March 2014) •Find nearbybranches andATMs using your device's built-in GPS. •APGFCU MobileBanking Appis safe and secure. To enroll in Mobile and TextBanking: 1.Loginto Online Banking 2.Click “Self Service” 3.Go to“Preferences”section 4.Click on “Sign Up/Manage My Mobile Money” Ifyou have anyissues with our App, please call us at 1-800-225-2555,option 4.Aberdeen Proving Ground Federal Credit Union and relatedtrademarksand logos are trademarks of APGFCU. Federally Insured byNCUAStandard mobile Web fees may apply. Please contact yourmobilecarrier for more information.

Smart Financial Mobile App simplifies your life. The SmartFinancialAndroid Mobile App gives you the freedom to convenientlyand safely:• Access your account anytime and anywhere • Manageyourtransactions and view account activities • Transfer funds •Paybills (enrollment required) • Deposit checks at yourconvenience •Locate the nearest ATM • Contact Member Services •Receivenotifications • View statements (tablet app only) Availabletools tohelp make smarter decisions: • Budgeting • Savings Enjoynew andupdated features that include: • User-friendly interface •BalancePeek (enrollment required) • Quick login with FingerprintID(enrollment required) • View check images • Mobilebankingenrollment • Budgeting tools • Saving tools

OFCU's Android App will allow you to accessyour OFCU accounts quickly, safely and conveniently from yourAndroid based mobile phone. Transfer funds, pay bills, view andactivate your cash back offers, or check your account balance allfrom the palm of your hand. Your finances anywhere, anytime!To learn how we protect your privacy, please visithttp://www.oterofcu.org/home/privacy

Joola lets you start and manage money pools with relatives,friends,coworkers, or other Joola users. Joining money pools withpeople youknow and trust allows you to borrow and earn cashbonuses. It's easyto track group activities with automatedpayments! Take care of debtfrom credit cards and student loans,plan major expenses, or evenbuild emergency funds with Joola. Whatis Joola? ✓ Joola is a groupsavings platform. ✓ Joola is a digitalversion of Rotating Savingsand Credit Association (ROSCA).Commonly known as tandas (LatinAmerica), chama (Swahili-speakingEast Africa), stokvel (SouthAfrica), susu (West Africa and theCaribbean), hui (會) (Chinesecommunities in East and SoutheastAsia), gye (계) (South Korea),tanomoshiko (頼母子講) (Japan), Chit Fund(India), pandeiros (Brazil),juntas, quiniela or panderos (Peru),arisan (Indonesia), lenshare(เล่นแชร์) (Thai), dhukuti or dhikuti(Nepal), and menage or menodge(Scotland). ✓ Joola is a way foreach member of a group to helpothers save and build betterfinancial habits. ****** SKIP THE BANKWITH CO-SAVINGS ****** + Besocial! Manage your group, chat, andsocialize with friends throughthe app. + It is fun to save moneywith friends and family. You cantalk about what you are saving for,and then help each other out. +Saving alone is difficult. Triplethe chance of success when you doit together. + Invite friends youtrust. When you create a group,you will be in control. You canchoose to only accept people youtrust as your contacts and to joinyour group. + Start with aminimum of 4 members and add up to 12members in your group. + Getpeer support for your finances and earncash rewards with lastpayouts. ****** GET SUPPORT FROM FRIENDS ANDFAMILY ****** + Needcash soon? Avoid paying high-interest loans orpayday loans andtake the first payout from your group. The costsare low,straightforward, and easy to understand. + Create a groupwith thepayment terms you want. Then pay a one-time fee per groupfor earlypayouts. ========= The first payout - pay 5% per grouppayout Forexample, if you join a group of four people for $300 eachand getpaid every month, you will only pay a total fixed fee of $20or $5per month while the group is active. ========= The secondpayout inthe group - pay 4% per group payout For example: if youjoin agroup of four people for $300 each and get paid every month,youwill only pay a total fixed fee of $15 or $5 per month whilethegroup is active. ========= The third payout in the group - pay3%per group payout For example: if you join a group of fourpeoplefor $300 each and get paid every month, you will only pay atotalfixed fee of $9 or $3 per month while the group is active.******EARN CASH REWARDS ****** Do you want to make money work foryou?Earn more than 20 times more than the national averageinterestrate for savings accounts. Join groups and take the latepayouts.========= The last payout position in a group will receive+2% perpayout For example: if you join a group of four people for$300each and get paid every month, you will earn a cash bonus of$6while the group is active. ****** EASY AND SECURE ****** + Whenyousign up for Joola, everyone needs to verify who they are. Thisisso that we can keep your account safe. To do this, you havetoprovide personal information. + All your payments are automatedsoyou don't need to worry about them. + We keep yourinformationprivate. We will never share it with any third partywithoutpermission. + Your information is safe with us. We usebank-levelencryption and your information is never stored on ourservers. Itis free and easy to start your group. Invite friends tojoin so youcan save together! Disclaimer: Joola is not a pyramidscheme,lender, advisor, broker, credit repair company, creditreportingagency, or financial institution. Joola does not give awaymoneyfor free.

The WPCU Mobile Banking App makes it easy and convenient to manageyour finances – wherever you are! Manage Your Accounts and Finances• Check balances and activity quickly in your checking and savingsaccounts • View and manage your mortgage, auto loan, or credit cardaccounts • Set app alerts to get notified about balances andtransactions Security • Log in securely using your fingerprint •Mobile Banking uses a verification code so you can authenticate viatext message or a voice call Mobile Deposit • No more waiting inline, or driving to a Member Center • Deposit a check right fromyour mobile device, with just a photo Move Money • Transfer fundsbetween WPCU accounts, or even to another WPCU member • Set uppayments to your WPCU loan directly from another financialinstitution • Use Popmoney to pay people quickly and easily MobileBill Pay • Pay bills to existing payees, or add new payees. • Editor delete payees • Sign up, view, pay, and manage your eBills •Schedule automatic and recurring payments • View payee history •Add a memo Get Cash Back (When Paying with Your Debit Card) • Viewand activate your cash back offers from participating retailers •Track the dollar amount of your rewards Contact Us • Find MemberCenters, Shared Branches, and ATM locations • Contact the MemberHelp Center (during normal business hours) Notes: The WPCU MobileBanking App is free to download and use, but your phone carrier’scharges may apply. System availability and response time is subjectto your carrier’s reliability. Wright-Patt Credit Union - SaveBetter, Borrow Smarter, Learn a Lot! To learn how we protect yourprivacy, please visithttps://www.wpcu.coop/Portals/3/FAQ/Privacy-Policies/wpcu_privacy_policy.pdf

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Welcome to MECU’s Mobile Banking App Get the most from MECU’sMobileBanking App 24/7! You can do more than check your balanceandtransfer funds: • Deposit checks anywhere, anytime withMobileDeposit. • Treat yourself with Purchase Rewards – activateyourrewards in app today! • Check your balance in seconds –withoutlogging into the app. • Popmoney is the fastest way to sendmoneyto family and friends! • Don’t waste a stamp – pay billswithOnline Bill Pay. Two Easy Steps to Mobile Banking withMobileDeposit 1. Download the MECU App. 2. Sign up for MobileBanking orlogin using your existing Online Banking logincredentials. MobileBanking is FREE and SECURE. Security includesthe latest in TLSencryption. MECU strongly recommends that you alsouse a reputableanti-malware program on your phone to protect youinformation. OurOnline Privacy Practices Keeping financial andpersonal informationsecure is one of our most importantresponsibilities. MECU iscommitted to protecting the information ofmembers and visitors whouse our website. We value your trust andhandle all personalinformation with care. As with information wecollect through othermeans, we use the information you provideonline to respond to yourneeds, service your accounts, and provideyou information aboutother services. Message and data rates mayapply Need assistance?Call 410-752-8313 during regular businesshours. Federally Insuredby NCUA.

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