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1 INTERNATIONAL FINANCE BANK CUSTOMER USER GUIDE MAKING BANKING A BREEZE! This is our best... YOUR best... Online Banking yet! Member FDIC

2 New & Improved Online Banking Experience > IFB is proud to introduce a sweeping upgrade to our Online Banking interface. This greatly improved design is faster and easier to use. IFB s Online Banking is now consistent in appearance and utility, in addition to being equally accessible across all devices - from desktops to smartphones. > Two new services are now included: 1) Mobile Banking 2) Mobile Deposit > All upgrades, modifications and changes have been made to augment your online experience. With an all new look and feel, streamlined workflows, and added functionalities, we guarantee your banking with IFB will be a breeze! > Whether it s paying your bills faster than ever, easily searching through your organized personal files or finding a nearby ATM while you re out and about, we are sure IFB s new Onliine Banking will help you perform your day to day banking at a much quicker pace. > IFB Online Banking Services are compatible with all major Web Browsers: Google Chrome Internet Explorer Mozilla Firefox Safari > In order to access the all new Online Banking platform, your Web Browser must be up to date. Web Browsers and updates can be downloaded for free - just visit the IFB website.

3 Mobile Banking IFB Online Banking now includes fully integrated Mobile Banking! Available for iphone, ipad, and Android mobile devices*, now you can use your mobile devices for many banking purposes: View account balances Monitor Checking and Savings Transactions Transfer funds and make payments to IFB accounts and much more! Accessing Mobile Banking Mobile Banking gives you access to your accounts from your mobile web browser. The Mobile Banking application can be downloaded on multiple devices (tablet, smartphone, etc.) for your convenience. A mobile device and plan that provides Internet access is required. > For iphone, ipad, and Android mobile devices > Consistent from desktop to smartphone > Faster, easier, more convenient Download the IFB Mobile Banking App from the Apple App Store or the Google Play Store. Installing the IFB Mobile Banking App is simple: 1) On an ios (Apple) device, open the Apple App Store or on an Android device, open the Google Play Store 2) Search for International Finance Bank and install the app *Mobile device must have text or data connection plan. Depending on the type of mobile device plan, message and data rates from the provider may be incurred.

4 Mobile Deposit Deposit your checks anytime and anywhere with Mobile Deposit: Save a trip to the bank Receive online confirmation Ensure that your deposits are convenient and secure With Mobile Deposit, any customer that has installed Mobile Banking can deposit checks using the camera feature of his or her mobile device. Here s how Mobile Deposit works: Launch the App Select Deposit Check Enter Deposit Information Photograph the Check Select Submit Deposit The information will then be uploaded automatically to IFB s servers.

5 Go Paperless! It s time to Go Paperless with IFB s online estatements. estatements are convenient: > View, print and download your statements online whenever you want, as often as you want > Receive notifications when your statement is available estatements are secure: > Reduce the risk of mail fraud and identity theft tied to mail delivery > Protect your personal and financial information with multiple layers of security > Minimize your paper trail estatements are good for the environment: > Eliminate unnecessary paper usage > Reduce your carbon footprint

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