1. What are Nevada State Bank Mobile Banking and Nevada State Bank Business Mobile Banking?

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1 General Questions 1. What are Nevada State Bank Mobile Banking and Nevada State Bank Business Mobile Banking? Nevada State Bank Mobile Banking and Nevada State Bank Business Mobile Banking provide anytime access to your eligible Nevada State Bank account(s) from your mobile phone or device. Simply take your banking with you whenever and wherever you are. With Nevada State Bank Mobile Banking and Nevada State Bank Business Mobile Banking, you can: View account balances Search recent account activity Transfer funds between eligible accounts Pay bills to existing payees Search for Nevada State Bank ATM and Branch locations 2. How do I sign up for Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking? Download and launch the mobile application. Or, you can visit m.nsbank.com or m.nsbank.com/mobilebiz from your mobile web browser. When prompted, enter your Online Banking Login ID or Business Online Banking CompanyID Login ID, verify your SecurEntry image and phrase, and enter your password. The first time you sign in, you will be required to accept the Mobile Banking Service Agreement. You may also be prompted to answer one of your challenge questions and enter in your mobile phone number. If you have any questions, please contact a Nevada State Bank Customer Service Representative at What is the difference between a mobile application and a mobile web browser? With mobile web browser, you use the web browser from your mobile phone to access your Nevada State Bank account information. Mobile applications can be downloaded to your mobile phone or device. These applications provide a rich and unique experience that is optimized for iphone, ipod Touch, Android and BlackBerry devices. 4. What is needed to use Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking?

2 You will need a Nevada State Bank account that is enrolled in Online Banking or Business Online Banking, and a mobile device that can access the internet or download applications. To use Nevada State Bank Business Mobile Banking, you must be entitled as a Company System Administrator (CSA) within Business Online Banking. 5. Which wireless carriers are currently supported? We support major US wireless phone carriers, including AT&T, Sprint, T Mobile and Verizon. 6. Do I need a data plan? A data plan is strongly recommended because data usage charges by your carrier can become expensive without such a plan. Please check with your wireless carrier for more information. 7. Is there a charge to use the Nevada State Bank Mobile Banking service or Nevada State Bank Business Mobile Banking? No. There is currently no charge for the Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking service; however, ordinary bank fees under other agreements still apply (e.g., funds transfer that results in an overdraft charge). Also, your wireless phone carrier may impose data or messaging charges. Check with your wireless phone carrier for more information. 8. Must I enroll each mobile phone or device that I wish to use with Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking? Yes. Enrollment is a one time process for each mobile phone or device you wish to use with Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking. 9. How many users can enroll in Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking on my mobile phone or device? Each mobile phone or device can have one user enrolled in Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking. 10. What if I suspect that my mobile device may have been used to make an unauthorized transfer from my Nevada State Bank account? Immediately call Nevada State Bank Customer Service at to report the unauthorized transfer as soon as you discover or suspect it. The agreements and rules that govern suspected or actual unauthorized transfers through Online Banking or Business Online Banking (such as deadlines to report unauthorized transactions) also apply to transfers made through Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking via use of a mobile phone or device. Please see your Online Banking Agreement or Business Online Banking Agreement, your Deposit Account Agreement, and your account statements for further information. See also any agreements governing the specific affected account (e.g., Credit Card Agreements). Where applicable, those

3 documents include information regarding special rights of consumers, such as those in cases of unauthorized transfers from consumer deposit accounts under Regulation E and/or consumer credit accounts under Regulation Z. Mobile Web 1. What is mobile web? Mobile web is using the web browser from your mobile device to access Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking. Type m.nsbank.com from your mobile web browser to access Nevada State Bank Mobile Banking. To access Nevada State Bank Business Mobile Banking, type m.nsbank.com/mobilebiz from your mobile web browser. 2. Is there a cost to use the mobile web? No. There is no charge by Nevada State Bank for using mobile web; however, ordinary bank fees under other agreements still apply (e.g., funds transfer that results in an overdraft charge). Also, your wireless phone carrier may impose data or messaging charges. You should contact your mobile services provider for any charge that may apply to web browser usage on your mobile phone or device. 3. How do I access Nevada State Bank Mobile Banking from my mobile phone or device browser? Enter m.nsbank.com into the web browser on your mobile phone or device. To access Nevada State Bank Business Mobile Banking, enter m.nsbank.com/mobilebiz. 4. How do I realize an optimized mobile web experience? We recommend three steps for an optimal experience: 1. Ensure your mobile phone or device browser has cookies enabled. 2. Enable style sheets on your browser. Style sheets are used on web pages to define the design and layout of the page. 3. Bookmark your Mobile Banking web site (m.nsbank.com or m.nsbank.com/mobilebiz). Generally, these settings can be found in the web browser settings menu on your mobile phone or device. Refer to the user guide that came with your mobile phone or device for additional details and information. 5. Is mobile web banking supported on my mobile phone or device? Mobile web banking is available on most mobile phone or devices that have the capability to browse the internet and support cookies. Refer to the user guide that came with your mobile phone or device for additional details and information. 6. How do I add a Nevada State Bank Web Clip icon to the Home screen of my iphone?

4 To add the Nevada State Bank Web Clip icon to the Home screen of your iphone: Upgrade to the latest version of the iphone software (available through itunes). Visit m.nsbank.com or m.nsbank.com/mobilebiz through your iphone browser, touch the "+" symbol and select the option for Add to Home Screen. Mobile Banking and Business Mobile Banking Applications 1. What are mobile applications and how do they differ from mobile web? With mobile web, you use the web browser from your mobile phone or device to access Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking. Mobile applications, on the other hand, can be downloaded directly to your mobile phone or device. These applications provide a unique experience that is optimized for iphone, ipod touch, Android and BlackBerry devices. 2. Where do I access and download the mobile application for iphone? The Nevada State Bank Mobile Banking and Nevada State Bank Business Mobile Banking iphone applications can be downloaded for free from the itunes App Store using your mobile phone or device. 3. Where do I access and download the mobile application for an Android device? The Nevada State Bank Mobile Banking and Nevada State Bank Business Mobile Banking Android applications can be downloaded for free from the Android Market on Google Play using your mobile phone or device. 4. How do I download the mobile application for a BlackBerry phone? Enter m.nsbank.com or m.nsbank.com/mobilebiz in the web browser on your mobile phone or devices. If a downloadable application is supported for your mobile phone or device, a link to download the application will automatically appear. 5. Are the Nevada State Bank Mobile Banking application and Nevada State Bank Business Mobile Banking application supported on my mobile phone or device? The downloadable application is available for most smartphones, including iphone, ipod Touch, Android and BlackBerry devices. Enter m.nsbank.com or m.nsbank.com/mobilebiz for Business online Banking into the web browser on your mobile phone or device. If a downloadable application is supported for your mobile phone or device, a link to download the application will appear. Troubleshooting

5 1. What do I do if I get a new mobile phone or device? If you get a new mobile phone or device, log in to Nevada State Bank Online Banking or Nevada State Bank Business Online Banking, and then choose Mobile Banking from the Services tab. From here you will be able to update your mobile phone or device profile from the Mobile Banking Management page. We recommend you remove your old mobile phone or device and re enroll your new mobile phone or device. 2. What happens if I change mobile phone numbers? If you change your mobile phone number, log in to Nevada State Bank Online Banking or Nevada State Bank Business Online Banking, and then choose Mobile Banking from the Services tab. From here you will be able to update your mobile phone or device profile from the Mobile Banking Management page. We recommend you remove your old mobile phone or device and re enroll your new mobile phone or device. 3. What happens if I change mobile phone carriers? If you change mobile phone carriers, be sure to return to Nevada State Bank Online Banking or Nevada State Bank Business Online Banking, and then update your mobile phone or device profile in the Mobile Banking Management page. We recommend you remove your old mobile phone or device and re enroll your new mobile phone or device. 4. What happens if my Nevada State Bank Mobile Banking Application or Nevada State Bank Business Mobile Banking Application is deleted from my phone? Simply download and install the Nevada State Bank Mobile Banking Application or Nevada State Bank Business Mobile Banking Application again. 5. Can I access Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking from a web browser and downloadable application on the same mobile phone or device? Yes. 6. I enrolled in mobile banking on my mobile phone or device s browser. Why am I being asked to enroll again? During enrollment, a "cookie" is stored on the web browser of your mobile phone or device. This cookie allows the Nevada State Bank Mobile Banking system or Nevada State Bank Business Mobile Banking system to remember that you enrolled. Since the cookie is visible only by the Nevada State Bank Mobile Banking or Nevada State Bank Business Mobile Banking system, and does not contain personal information, some mobile phones or devices may require you to enable cookies or periodically erase them requiring re enrollment. If you experience this situation, check your mobile phone or device settings to ensure that cookies are enabled. If cookies are enabled and the

6 situation persists, please contact your mobile network carrier for cookie support information on your mobile phone or device. 7. What if my mobile phone or device is lost or stolen? Immediately, log in to Nevada State Bank Online Banking or Nevada State Bank Business Online Banking, choose Mobile Banking from the Services tab and remove your mobile phone or device from the Mobile Banking Management page. For additional assistance contact Nevada State Banking Customer Service at If you later find your mobile phone or device, you can re enroll that same mobile number. 8. How do I delete the Nevada State Bank Mobile Banking application or Nevada State Bank Business Online Banking application from my mobile phone or device? Refer to the procedures below to delete the application from your mobile phone or device. Refer to the user guide that came with your mobile phone or device for additional details and information, or contact your mobile phone or device manufacturer or authorized dealer: iphone: 1. Press and hold any application icon until all icons begin to wiggle. 2. Tap the little x in the upper left corner of the application you want to delete. A dialog box appears, informing you that deleting this app will also delete all its data. 3. Tap the Delete button. Android: 1. Open the Google Android Menu. 2. Go to the Settings icon and select Applications. 3. Click on Manage. 4. You will be presented with a list of installed applications. 5. Select the application you want to uninstall and click the Uninstall button. BlackBerry: 1. Go to Options > Advanced Options > Applications. 2. Scroll through the list and highlight the application you want to remove. Click on it and choose Delete. 3. It will ask you if you are sure, choose Delete. It may ask you to reset your mobile phone or device after removing the program.

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