MOBILE BANKING. Why should I use Mobile Banking?

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1 MOBILE BANKING What is Mobile Banking? With Mobile Banking, you can access your account, conduct transfers, and pay and manage bills from any mobile device that has web browsing capabilities and a data plan. Why should I use Mobile Banking? 1. Save time and trouble on trips to the ATM or local banking branch. Yes, mobile banking makes it easy to check your balances, but did you know that you can also deposit checks right from your Apple phone/tablet or Android phone? 2. Stay on top of your money more quickly and easily than ever. With mobile banking, when you are on the go, you are no longer tied to a home computer, a nearby ATM, or local branch for basic banking needs. Accessing your accounts with a mobile app is fast and simple, so it s easy to do things like double check balances, transfer funds from one account to another or monitor transaction history. Staying abreast of your finances is as easy as picking up your phone. This also gives you a security advantage because the more you monitor your account, the safer you are. 3. Enjoy secure transactions. Mobile web banking uses the same security measures found in online banking. How do I get the Mobile Banking app? First, you need to be enrolled in Bank of Georgetown Online Banking. Then, visit the Apple App Store (for iphone or ipad devices) or Google Play (for Android devices) to download the Bank of Georgetown Mobile Banking app and log in using your online banking information. How do I log in? You log in using your online banking username and password. If you aren t registered for online banking, you will need to register from a PC. What transactions can I perform with Mobile Banking? Locate branch offices and ATMs View transaction history (up to 6 months) View account balances Transfer funds between Bank of Georgetown accounts (daily limits apply) Pay bills to existing payees View alerts Deposit checks (personal accounts only; daily limits apply; Bank approval required) 1 1 Only available on ipad, iphone and Android phones.

2 How secure is Mobile Banking? Your security is our priority. Mobile banking uses the same security measures found in online banking. Bank of Georgetown protects your banking information with technical security measures including: 128-bit encryption technology means that information sent over the phone cannot be deciphered by anyone Automatic inactivity logout. Secure login information is not stored on your phone, which means that if you lose your phone, you won t have to worry about someone gaining access to your bank information. Account lockout procedures apply after 5 incorrect login attempts. Only the last 4 digits of account numbers are displayed. Multifactor authentication. What if my phone is lost or stolen? Call your mobile service provider to report that your phone is missing and/or disable your phone remotely. While nobody wants their phone to get lost or stolen, if it does happen, you won t have to worry about someone accessing your banking information. Please review your account activity and contact us immediately regarding any suspicious transactions. As an added precaution, we recommend that you change your user name and password upon your next sign in. Remember: No personal information from your Mobile Banking account is ever stored on the phone. Your password is never stored. Your login session automatically times out after 5 minutes of inactivity. Mobile Banking security tips: Use the keypad lock or phone lock function on your mobile device when it is not in use. Frequently delete text messages from your financial institution, especially before loaning, discarding, or selling your mobile device. Never disclose via text message, phone call, or your personal or financial information, including account numbers, passwords, Social Security number, or birth date. Avoid storing your banking password or other sensitive information on your smartphone where it could be discovered if your phone is stolen. Don t save login information on your mobile device, especially to online banking or e- commerce sites. Keep your mobile operating system up to date to ensure the highest level of protection. Before downloading an update to your mobile device be sure to go to the company s website to confirm the update is legitimate. Do not conduct banking transactions when using public hotspots or free WiFi.

3 Download mobile apps from reputable sources only to ensure the safety of your personal and account information. Bank of Georgetown will never make telephone inquiries or send text messages or s to verify or update your confidential customer information. Never click links asking for this type of information it could put your accounts at risk. If you have any questions, please contact Customer Service. How do I securely end my Mobile Banking browser session? Select the "Logout" icon to log out of the Mobile Banking app, then confirm your request. If you're using your phone's browser to access Mobile Banking, first choose the "Logout" link, then close your browser through your mobile device browsing options. Closing your browser will securely end your mobile banking session. What are the Bill Pay capabilities? You can make single payments, view/delete pending and view payment history. Recurring payments cannot be set up or deleted through Mobile Banking. How do I add a new bill payment payee? New payees can be added only through Online Banking. Once established through Online Banking, all payees are available through Mobile Banking for bill payments Does Bank of Georgetown charge a fee for Mobile Banking? Bank of Georgetown does not charge for Mobile Banking. You may, however, be charged data or other internet access fees. Check with your mobile services carrier for details on data usage plans and service charges. MOBILE DEPOSIT What are the advantages of using Mobile Deposit? With Mobile Deposit, you can: Save time and money by eliminating trips to the bank Bank when you want to bank; you can deposit checks 24/7.* *The deadline for submission is 4 p.m. All Mobile Deposits that are submitted and accepted prior to 4 p.m. ET on any business day will be credited to your account the next business day. Who is eligible to use Mobile Deposit? Mobile deposit is for retail use only; mobile deposit is not available for Trading As or DBA or any other type of commercial accounts. You must have been a customer of Bank of Georgetown for at least 30 days with a personal checking or savings account and your account must be in good standing. Existing customers with personal checking or savings accounts must not have any NSF or RDI charge backs in the last 3 to 6 months.

4 How do I sign up for Mobile Deposit? Every user must be approved by Bank of Georgetown before making Mobile Deposits. 1. You must contact Customer Service and request and be approved for Mobile Deposit. 2. You will receive an confirming that your application has been received. Please allow 2 business days for your request to be processed. 3. You will receive an approving or denying your request. If approved, you will also be notified of your deposit limit. Then, log into the app, click Mobile Deposit and follow the prompts. Is there a dollar limit to Mobile Deposit amounts? Please note that all items deposited via Mobile Deposit are subject to Bank review and/or approval based on account criteria. Customers with account opened up to 12 months: $1,000 daily limit Customers with account opened 1-2 years: $2,500 daily limit Customers with account opened more than 2 years: $5,000 daily limit. There are no weekly or monthly limits. A business day is 9 a.m. 4 p.m. ET, Monday through Friday, excluding Federal holidays and any day we are closed. Do I need to endorse checks that I deposit through Mobile Deposit? Yes, you are required to endorse the back of the check with the following information: An authorized signature(s) as it appears on your account Your ten-digit account number Write for mobile deposit How do I use Mobile Deposit? 1. After logging into mobile banking, select Deposit Checks on your smartphone or Deposit on your tablet. 2. In the To field, you will see an account listed. If you want to deposit the check into a different account, click the To field and scroll up or down to choose another account. 3. Once you choose the deposit account, type in the check amount. 4. Click the camera icon to take a photo of the front of the check. 5. Line the check up within the outlined box and select the camera icon to take a photo. 6. Select Back to take a picture of the back of the check. 7. After taking photos of both check sides, select Deposit to complete the transaction. What do I do with my checks after I have submitted them for deposit using Mobile Deposit? Once you have deposited checks into your account using Mobile Deposit, mark them as "Deposited," then keep them in a secure place for 15 business days, pending final verification. Then, you should destroy the checks by shredding.

5 How quickly will Mobile Banking Deposits be credited to my account? All Mobile Deposits that are submitted and accepted prior to 4 p.m. ET on any business day will be credited to your account the next business day. A business day is 9 a.m. 4 p.m. ET, Monday through Friday, excluding Federal holidays and any day we are closed. Can I view the checks I have deposited? No, you cannot view these images; however, Customer Service and Branch Personnel have access to these checks. Please contact them if you need assistance. What if I make a deposit and it does not appear on my account listing? Please contact Customer Service. Will I receive an after making a deposit with Mobile Deposit? When you complete a deposit, you will have the option to yourself a receipt. Can I transfer funds? Yes, you can transfer between your Bank of Georgetown accounts. Daily limits apply. Will the camera be able to capture a creased/folded check? A check that does not lay flat will not be accepted because the camera cannot read all the information. You may need to use tape to secure the check to a level surface in order to capture an acceptable image How will mobile deposits made with my smartphone appear in my account listing? Deposits will appear as Descriptive Deposit-Mobile Deposit. Do you offer Mobile Banking for businesses? At this time, Mobile Banking is for personal accounts only. We do offer Remote Deposit Capture for businesses though, to eliminate the need for depositing checks in branches. Please contact Customer Service if you are interested in this service. Can I make a deposit from any smartphone or tablet? At this time, Mobile Deposit is available on the iphone, ipad and Android phone. Android tablets are not currently equipped with this capability. TEXT MESSAGE BANKING What is Text Message Banking? It is a service that enables you to retrieve information about your accounts from a mobile phone through text messaging (sometimes called SMS). Will I be charged to use this?

6 Bank of Georgetown does not charge for Text Message Banking. You may, however, be charged by your mobile services carrier for text messaging or other internet access fees. Check with them for details on data usage plans and service charges. What is a primary account? Your primary account is the default account that we will use when you text BAL to You should select the one you will likely want to check the most often. You can get all account balances by texting BAL ALL to Will this work on my phone? Yes, if you have text messaging enabled. Our Text Message Banking service works on all major mobile providers in the U.S. How do I initiate Text Banking? Step 1 - Log in and Activate Log into Online Banking and go to My Settings and Alerts & Notifications. Find Text Message Banking and click on the Activate button. Step 2 - Verify your phone First make sure that you have your cell phone with you. Then enter your cell phone number, and we'll send you a text message with a unique activation code that you'll need to enter to complete the process (this ensures that it's your phone number and it's in your possession). Once verified, select your preferences and you re done! Step 3 - Start texting Now with your phone set up, just send a text message to whenever you want, and we'll send the response right back to your phone. What requests can I make with Text Message Banking? Use any of the following commands/keywords: BAL = Primary account balance BAL ALL = All account balances BAL CHK = Checking account balances BAL SAV = Saving account balances LAST = Last 5 transactions TRANS = Transfer funds to primary account STOP = Deactivate service HELP = Help on keywords

7 When you text one of these short commands to , you will quickly receive the information you want. This short code will only work if you have activated the Text Message Banking Service. Can I get a text when my balance falls below a certain amount? Yes - first you'll need to go to the Text Message Banking page and make sure the checkbox is selected. Then enter a dollar amount into the text field (e.g., $500, minimum is $50) and save your changes. Thereafter, you'll get a low balance alert text whenever your primary account balance falls below that dollar amount. Is Text Message Banking safe? Yes. This service does not send any confidential information through these texts. Account numbers are truncated. I deactivated my cell phone/number. What should I do? Because cell phone numbers are often recycled, as an extra precaution you should deactivate your number in Online Banking. My phone was lost/stolen. What should I do? Call your mobile service provider to report that your phone is missing and/or disable your phone remotely. Then, deactivate your number in Online Banking. Please review your account activity and contact us immediately regarding any suspicious transactions. How do I deactivate the Text Message Banking service? You can text back STOP to on your activated cell phone, or you can return to the mobile banking page and click the Deactivate link next to your mobile device number. Your phone will no longer receive any text messages from Text Message Banking. You can add a new phone at any time if you change your mind later.