Text Banking. Key Financial Institution Benefits. Basic Functionality Inventory. Key Customer/Member Benefits.

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1 Text Banking Text banking allows a customer or member to access basic account information with the ease of sending a text message. Balances, recent history and account transfers can all be accessed from any mobile device that can send and receive text messages. Account data can be available at any time with minimal effort. After registration, a member or customer can see their balances by simply texting a three (3) letter command. Simple, easy and seamless access to basic account functions delivered on any mobile telephone, from flip-phones to Smartphones. Set up text banking in either mobile banking or Internet banking Access balances for all accounts Access recent account history up to 10 transactions Transfer money from one account to another See help for text banking Rapid access to basic account balances and transaction history Support for a wide array of mobile devices including older technologies Ability to transfer funds from account to account with minimal effort Safe and secure and always available Extend reach of mobile banking offering to lower-end/older mobile devices Provide easy access to balances/history; so easy App users will use it Customize a Text Banking short-code and brand the mobile channel Provide a widely use service at an inexpensive cost Leverages current core banking system interface to ease implementations (version 5.4 or higher) Core Integration: Requires NO changes to core system interface Costs: Nominal implementation fees

2 Account Alerts SmartAlerts allows a customer or member to receive updates and notifications related to their accounts via or text. Alerts are set up by a member or customer and can be personalized to reflect when they want to see alerts and which notices are received. Alerts make it easy to stay up-to-date on account activity, such as when a debit card is used or when a deposit has been accepted. Also included are security alerts that notify a member/customer when a password has changed or a limit has been exceeded on deposits or transfers. Set up notices in either mobile banking or Internet banking Alerts include: PIN/PW change alert Check deposit limit alert Transfer limit alert Low balance alert Deposit alert Debit card usage alert Receive notices and alerts via or via text Receive timely and periodic account updates automatically without log in Receive notices of debit card usage moments after transaction Ability to extend account information to Adds a level of security and comfort by keeping end-user informed when key details of the account change Provide a proactive method of pushing acct data to customer/member Increase engagement with customers and members as alerts are sent daily and can be branded by the CFI (version 5.7 or higher) Core Integration: Requires medium level changes to core system interface Costs: Nominal implementation fees, costs per active end user and costs per text message or sent

3 SmartwearApps TM SmartwearApps allows a customer or member to access account information from an Apple Watch. The solution provides seamless access to account information at the touch of a button, easing access and making engagement with the bank or credit union a breeze. The Apple Watch App acts as an extension of the mobile banking app. A customer/member simply downloads a new version of the app on their iphone, configures the Apple Watch, and account balances can be immediately accessed. Access account balances for all active accounts See recent transaction history View local branches and ATM locations Look up branch contact information including phone and Simple, easy access to the most used account information Access account information without log in with ID and password Rapid access to contact details and branch locations Be one of the first financial institutions to offer a Watch Banking App Increase level of interaction and engagement with customers/members (version 5.4 or higher) Core Integration: Requires NO changes to core system interface Costs: Nominal implementation fees

4 Personal Finance Management Customers and members can now access advanced Personal Financial Management (PFM) features directly within the Malauzai Mobile Banking and Internet Banking services. PFM features such as seeing where money is spent (categories) and looking at projected cash in the future plus standards like budgets and goal setting are all part of the solution. Geezeo, a leading provider of PFM solutions, is powering this solution. For those banks and credit unions already offering Geezeo, turning on mobile banking access is a snap. See PFM data from within the mobile banking app Access PFM features Transaction categories and reports Budgets Cash forecasts Goal setting Mobile data is consistent with the data displayed in Internet banking Ability to see where your money is spent by merchant category Ability to see how much cash you will have available for future purchases Ability to set financial goals and budgets for ongoing usage Ability to access PFM features directly within mobile banking Provide a proactive method of pushing acct data to customer/member Increase engagement with customers and members as SmartNotices are sent daily and can be branded by the CFI. (version 5.7 or higher) Core Integration: Requires medium level changes to core system interface Costs: Nominal implementation fees, costs per active end user and costs per text message or sent

5 Internet Banking SmartwebApps TM is the new alternative to traditional, legacy Internet Banking. Banks and credit unions can now provide their customers and members with a desktop experience that is as cool as mobile. Using a design principle called Mobile Only Experience or MOX TM, Malauzai s Internet Banking solution revolutionizes old Internet technologies and leads with a mobile user-experience. Internet banking can be as cool as mobile as well as offering opportunities to provide features not yet available on the desktop such as debit card management. All standard Internet banking features included Advanced features included; OFX, PFM Integration, 2-way , Alerts 100% matching user interface from Watch through Tables and Desktops Simple, easy to use desktop interface that brings advantages of mobile UI Consistent information displayed across platforms including 1 set of credentials Increased access to features such as debit card management Provide a consistent look and feel to all self service channels Revamp an old and tired Internet banking product with a modern look and feel Save up to 40 percent on monthly digital costs by using a single solution, not point solutions for both Internet and mobile Launch Effort: Requires update to SmartwebApp infrastructure Core Integration: Requires LOW level changes to core system interface Costs: Nominal implementation fees, some additional costs for ancillary services and features

6 REBA Benchmark Benchmark reporting is now here. Credit Unions and Banks can now see how they perform in the mobile and Internet channels when compared to other banks and credit unions. Today REBA delivers a powerful set of reports on how members/customers are using mobile and Internet Banking. Now an individual credit union or bank can compare themselves to a set of competitors; other credit unions, other institutions in a certain geographic area or others in the same asset range, all are possible. The report uses the most common data-points within the mobile feature landscape as a basis for comparison including; session usage time, money movement averages and features used just to name a few. See key data-points in mobile/internet compared to other institutions See how your Bank/Credit Union ranks against the Malauzai Community of customers (300+) See how performance changes over time both visually and in table format Access Benchmark reports directly from REBA/MOX Console Provides insight into how you are doing relative to competitors in key mobile banking and Internet banking metrics. Track progress over time on all key mobile/internet performance indicators. Define a competitive universe for ongoing comparison including financial institutions with similar attributes such as asset size or geographic location. Launch Effort: Minimal. No app store update required Core Integration: No core integration required Costs: Monthly fee for Benchmarking solution

7 P2P Payments Customers and members can now make payments to their friends via mobile banking and Internet banking. Person-to-Person payments (P2P) is a simple and easy way for members and customers to send and receive money between friends and family including those that also use the same credit union or bank (internal P2P). Paying back a friend for a meal or concert ticket has never been easier. Payments can be made quickly and securely, adding another reason to use the mobile and Internet banking services. Send money to a friend using an address or cell number Receive money and payments from friends at other financial institutions Transfer money between friends at the same bank or credit union Funds are transferred as quickly as next day (uses ACH for settlement) Easy and quick way to pay back friends for meals or other expenses Set up and remember friends for making payments again in the future Provide convenient service that is becoming a standard in mobile banking Create source of fee revenue for convenience of paying friends Provide innovative payment services in advance of E-Wallets (version 5.6 or higher) Core Integration: Requires low level changes to core system interface Costs: Nominal implementation fees, costs per active end user and cost per P2P transaction Uses common info to transfer and cell number Secure way to insure funds are paid in a timely manner

8 Two Way Secure Messaging Two way secure messaging allows a customer or member to send and receive messages within mobile and Internet Banking. Customers/members can use the service to communicate directly with their financial institution. All messages are encrypted and secure. Files and pictures can be attached to messages. Bank/Credit Union employees can use MOX Console to manage the incoming messages and prepare and send responses. Incoming messages can also be integrated with the Bank/Credit Union server or CRM application. In/Out box feature within mobile and Internet Banking Prepare and send a message to Bank/Credit Union servicing department Receive messages from the Bank/Credit Union Send information securely without having to mail items Attach files of both documents and pictures Easy way to communicate with the financial institution Secure way for receiving updates from the Bank/Credit Union Decreases timeframe for answering questions Simplifies process of sending documents Provide increased access to service staff and methods for issues resolution Adds a secure channel for mobile banking and Internet banking Cost effective way of receiving legal documents (version 5.6 or higher) Core Integration: No core integration required Costs: Nominal implementation fees and monthly service fee

9 Remote Deposit Capture with MiSnap Now it is even easier to deposit a check. With MiSnap, a mobile banking customer/member doesn t even need to snap the photo any longer. All they do is hover over the photo. When a good image has been attained, the picture is automatically snapped. Not only does this remove the step of snapping the photo, but it dramatically improves image quality doing away with the need to take additional pictures. MiSnap makes remote check deposit even easier with real-time feedback. Access remote check deposit feature and take a picture of a check Hover over the check until the picture is taken, removes step of snapping photo. Used for both front and back of check being deposited Simplifies deposit process by removing the step of snapping a photo Reduces the need to retake the picture because of poor image quality Reduces the need for picture retake Improves the rate of picture acceptance Reduces likelihood of errors appearing in the back end by increasing image quality on the front end (version 5.3 or higher) Core Integration: No core integration required Costs: Nominal implementation fees and monthly service fee for MiSnap Real time status messages provide tips and guides user through the capture experience