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iv

Table of Contents

For Our Clients

1 A Letter from the President of Pilot Bank 2 Introduction 3 An Investment in Our Relationship With You 3 A State-of-the-Art Banking Experience 4 Extending When and Where You Bank With Us 4 The Latest Technology 5 Safety & Security

Online & Mobile Tools

6 Online and Mobile Tools 6 Online – A New Desktop Experience 7 Online – The Latest in Mobile App Technology 8 A Common Interface Across Multiple Devices 9 Online & Mobile Offerings

Online Tools for Business

10 Online Tools for Business Accounts 11 A New ACH and Wire Interface 12 Business Bill Pay 12 Remote Deposit Capture 13 Business Offerings

Online Tools for Consumers

14 Online Tools for Consumer Accounts 15 A New Consumer Interface 15 Consumer Bill Pay 16 Remote Deposit Capture 17 Consumer Offerings

Getting Ready

18 Getting Ready for the Upgrade 19 Questions & Important Upgrade Information