Features Include: • Unlimited FREE Bill Pay • Online Statements - with check images • Transfer - between your accounts • Reset your own password • Download your account information into the money management software Quicken

H OW DO I SIGN UP FOR ONLINE BANKING?

Before you begin the application process, you will need the ending balance of your most recent statement and the amount of your last deposit. This information is used for verification purposes and must be accurate.

• Go to www.priorityonebank.com • Click on Enroll Now underneath the login button • Read and Acknowledge the terms and conditions of service. • Check the box and click continue • Click Begin and complete the application process. • Enter your personal information. • Create a User ID and password. • Enter the account number of the checking or savings account you’d like to add just check the box. (optional) • Enroll in Bill Pay, . Unless you are auto approved, you will receive an e-mail confirmation th at your application was submitted for review. Within 1—3 business days you will receive an e-mail regarding your application status. * Primary or secondary owners should register separately using their own personal information.

TELEPHONE BANKING • FREE 24/7 automated telephone service • Fast and easy-to-use • Check balances • Verify items paid • Transfer funds • Dial 1-800-748-1705 or 601-849-6624 to get started! E-STATEMENTS Save paper and time when you switch to e-statements. Your statements will be delivered to you electronically each statement cycle. • FREE 24/7 online access • Easy to open, download, and save • Statements archived up to 7 years • Protected by the security of your online banking sign-on • Printable hard copy as needed • Instant availability, instant notification HOW TO REGISTER • After you have logged in to your online banking for the first time, you can register for e-statements. • Log into online banking using the user ID and pa ssword created during the application process • Click the “Accounts” tab and choose the “Statements” option and then the “change statement delivery method” option change the statement delivery method to “online”. • Read and accept the Electronic Statement Consent and Authorization

You will be notified via e-mail each cycle when your statement is ready to view. NOTE: You will no longer receive paper statements, however if you wish to switch back, you may do so by following the same steps as above and changing the delivery method back to “paper”

Bank on-the-go with all of our options, combining the full functionality of online banking with carry- it-with-you convenience. Manage multiple accounts, transfer funds, pay bills, and more!

SMARTPHONE APPLICATION Go to the App Store on your iPhone or Android to download the PriorityOne smartphone app. Then, log in with your online banking user ID and password for easy access! SMS TEXT BANKING SMS text banking works with any text enabled phone to bring PriorityOne Bank wherever you are. Once the service is activated, you can send a message to ‘49794’ in order to see your balance, recent transactions, even transfer funds! Here’s how:

• Log in to your online banking • Go to the “Mobile Banking Center” (found on the bottom right hand side of the page) • Click Activate -Enter your cell phone number • Read and accept terms and conditions -wait for your confirmation text message* • Enter your activation code • Setup SMS Alerts (optional) • Save changes and click finish *A text message with your activation code will be sent to the cell phone number entered above.

TEXT COMMANDS INCLUDE:

* Standard data and messaging rates apply

MOBILE REMOTE DEPOSIT CAPTURE PriorityOne Bank’s Mobile Deposit Capture feature allows you to use your PriorityOne Bank Mobile Banking App to deposit checks without ever having to step foot in a ! This feature can be obtained by updating your existing PriorityOne Bank Mobile Banking App on your An - droid or iPhone or downloading our free PriorityOne Bank Mobile Banking App from your An - droid or iPhone’s app store.

To Enroll: 1. Open your PriorityOne Bank Mobile Banking App

2. Choose the “Deposit Checks” function

3. If this is the first time you have used this feature you will need to accept the disclosure and wait for your account to be approved.

To Make a Mobile Deposit: 1. Open your PriorityOne Bank Mobile Banking App

2. Choose the “Deposit Check” function

4. Choose the account you would like the check deposited into and enter the amount of the check.

5. Click the “Front of Check” button to photograph the front of your check. When this screen appears, line the front of your check up in the gray box and press the camera button to take the photo.

6. Endorse the back of your check with the following information and then repeat step 5, selecting the “Back of Check” button to photograph the back of the check. * Your signature * the words FOR MOBILE DEPOSIT ONLY * Account number that the check is to be deposited into

7. Once you have taken a picture of the front and back of the check click continue to approve.

Helpful Hints: * Hold on to the check for 14 calendar days after transmission to us. * Use Mobile RDC in a well lit area * Keep hands clear of the check while taking the pictures * Be sure the entire check is in the box including the routing information at the bottom of the check * Error messages will pop up if there is a problem with your image. PriorityOne Bank is pleased to announce that we now have available a mobile app that allows our debit card holders to better secure and manage their debit card transactions…This app is called SecurLOCK and is available in the App Store and the Play Store simply by searching for “SecurLOCK Equip” which has this icon, …

The SecurLOCK app gives you the ability to turn your card on and off, set up text alerts for transactions, restrict use of the card by transaction amount, transaction type, merchant type, etc…You can also control the geographical location of where your card can be used, including tying it to your cell phone whereby your cell phone must be near the card or the transaction will be declined…There are other features as well that give the debit card holder flexibility in using only the features they want to…Please find attached a detailed instructional guide on how to use SecurLOCK…Please see below a summary of how to register and use SecurLOCK:

After you have downloaded the app, begin by: • Tapping on the “New User” button will start the registration process. • To use the SecurLOCK Equip app, a cardholder must first register at least one debit card. • The cardholder is prompted to enter her/his card number. • After entering the card number, the user taps the “Next” link in upper right corner. On the next page, the user is prompted to enter the following information to authenticate his/her ownership of the card: o Security code (MasterCard® - CVC2 / Visa® - CVV2). o Expiration date (MM/YY). o Billing address (street address and zip code). • The user will be prompted to enter the last four digits of her/his SSN. • Upon tapping “Next”, the data is then validated against the HORIZON core. After a successful validation, the user will be taken to the next two pages to accept the Terms & Conditions (FIS) and Privacy Policy (FI). • Once the user has accepted the Terms and Conditions and Privacy Policy, the “Create Account” page displays. • Here, the user creates the username and password for logging into the app. • User will then login with the newly created credentials.

. IMPORTANT TIPS:

Multiple users can register the same card number. For shared cards, the app will track the location of the user who chooses My Location last. SecureLock can be used on more than 1 device, but only 1 can be defined as primary. This means that Alerts will only be sent to the Primary Device – and the Primary Device is also the only device that will be used to determine a user’s location for controls and alerts. Depending upon how criteria is established by the customer, some card purchases may be impacted.

Once enrolled, the user has 3 options for quick access to SecureLock:

1. User Name & Password (must be 8 – 12 characters, at least 1 uppercase & lowercase and 1 special character !a#$%^&*()_+ ) 2. Fingerprint 3. PIN Access (this is a 4 digit code specified by User)

As a safety precaution, after a significant period of time with no SecureLock log-ins, the user will have to sign in using their User ID and full password. The 4 digit quick code and fingerprint access is suspended, but will reactivate with the full sign-on process.

Secure Lock sends out regular updates. It is possible that a pre-set restriction may not be applied if the purchase is made when the device is shut off, or powered off due to a lack of battery life.

HOW IT WORKS:

The User Guide contains detailed descriptions of all user fields. This is a quick review of the available filters:

Control Preferences work in conjunction with our bank policies to determine whether to approve a transaction. Customers can set preferences to allow purchases tailored only to their spending patterns.

My Location - When set, these control preferences will enable the app to compare the user location and merchant location to decide whether to approve or deny the transaction. The app determines the user’s location by assuming the user will always carry the phone that has been set as Primary Device and by using the phone’s location as the user’s location. For My Location alerts to work, the user must turn On the device’s Location Settings and enable location tracking.

During a purchase, the device location will be sent when a significant location change is located. This info is used to match address info for the store location of an in-store purchase. If the device location doesn’t match up with the zip code in which the store is located, that purchase may be declined based on other Location preferences. (In some cases, SecureLock knows that a centralized office address was used on the purchase rather than the store location).

My Regions allow customers to identify up to 3 zip codes for in-store purchases. To access – Location Controls – My Location – turn On – this is where you can add either zip codes or cities. Regions have a minimum range of 5 miles.

Merchant Controls are also available. You can select All, or limit the types of merchants for purchases (Entertainment, Gas stations, personal care, etc.) Customers must enable a category to use the available controls. Disabled categories mean the controls will not be in effect. When enabling a category, by default, all controls will set to On.

Transaction Controls enable selected transaction types (In-Store, Online, Mail/Phone, Auto Pay, ATM)

Spend Alerts – a user can specify a transaction threshold amount above which an alert will be triggered; the transaction will not be denied.

Alert Preferences enable users to choose what types of alerts to receive , Merchant Type, Transaction Types ---In Store, eCommerce, Apple Pay, AutoPay, ATM, Funds Transfer-- & All Transactions, Preferred Transactions, or None.

Manage Portfolio allows user to select cards/accounts to be managed or unmanaged by the app.

If a user chooses to un-manage all accounts and cards within the app, she/he will be asked if he/she wishes to unsubscribe from SecureLock; when a user is unsubscribed, all card control services will be disabled; user will not be able to login to the app. If the user wants to use the app after unsubscribing, a new User Name must be selected at time of enrollment. The previous User Name cannot be reused.

Users can add new card(s) for SecureLock anagement within the Manage Portfolio tab.

Settings on Home Menu provide the following options: • Updated Personal Info • Set Primary Device • Set Do Not Disturb (user can set specific times of the day during which the app does not send notifications) • Set Passcode • Change Password Please reference User Guide for more details! SECURLOCK TIPS

New Debit Cards: advise your customer to wait for their new debit card to be fully loaded on our system – otherwise, SecurLock will not have access to adequate info to confirm enrollment.

Passwords: Our Check Card department cannot reset SecurLock passwords–customers may request reset directly from the sign-in page.

Unsuccessful Log-In Attempts: If a customer attempts to log in 3 times without success, the App will be disabled for 30 minutes. Our Card Services department can resolve this by resetting the card – no wait necessary.

Alerts when purchases are denied: User settings provide great protection! Educate your customers on how their settings work – we don’t want them to become frustrated, or embarrassed, if a purchase is declined. A customer’s purchase may be declined based on several factors: for example, their current Control Preference settings (Location, Merchant Types, Transaction Types) and how that particular merchant has their processing set up. This example illustrates a denied purchase at Starbucks. In this case, the user had Mail Order access disabled – but Starbucks was processing the charge as a Mail/Phone order – if a customer experiences this, tell them to access the transaction and flip the image to view the reason (Denied: Mail/Phone Order Authorization) A simple update authorizing Mail Order Transaction Type permits the charge to go through.

This gas station charge was declined, even though the Gas Station/Convenience Store merchant type was enabled, along with the My Location filter – and the phone was in-hand! If a customer has My Location on, and the app isn’t able to successfully get the phone’s location, it will deny the transaction, to err on the side of caution. Temporarily disabling the My Location filter would have permitted this charge to proceed.

When enrolling

Business Check Card customers should use the last 4 digits of the TIN when enrolling.

Joint account holders with multiple cards – should utilize the same system address to enroll cards. A wife may register her husband’s card within SecurLock, and even select Merchant, Transaction Type and Spend Limit settings, but should not enable the My Location setting for her husband’s card. If she does, his card will not be accepted without her phone being present. He can select the My Location setting for his own card.

Touch ID Access for iPhone: If customers log out, they’ll be required to sign in again with their password. However, if they’ve just navigated away from the app, they can access their info using the Touch ID function (if activated). To activate on iPhone: Go to Settings, Security, Touch ID This feature has not yet been released for Android phones.

Deleting the SecurLock app? Previously selected settings remain activated! Educate your customer on how SecurLock can provide peace of mind and protection for their check card, and their money. Encourage them not to delete the app – they lose automated protection when they do so.