Malauzai Retail Mobile Online Banking

Retail Mobile Banking Guide for Android™ & iPhone®

Contents

1 2 3 5 8

Introduction

Security

Download the App

Enroll Log In

10 11 12 13 17 18 19 23 28 32 33 34 36 40 43 44 46 49 52 53

Main Menu

Accounts Summary & Details

Attach Images

Transfer Funds – One-Time & Recurring Transfer Funds – Scheduled Transfers Transfer Funds – Transfer History Picture Pay — New Bill Payment Picture Pay – Recurring Payments Picture Pay – Scheduled Payments Picture Pay – Payment History Deposit a Check

Picture Pay – Add a Payee Pay a Person – Send Money Pay a Person – Receive Money

Messaging

Alerts

Alerts – Security Alerts – Account

Settings

Locations

Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/publisher, nor this financial institution shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

© 2016 Murphy & Company, Inc. | 13610 Barrett Office Drive, Suite 206 | St. Louis, MO 63021 | mcompany.com

Android is a trademark of Google Inc. Microsoft, Windows, Excel, and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken, QuickBooks and FinanceWorks are registered trademarks of Intuit, Inc. iPhone, Macintosh and Safari are registered trademarks of Apple, Inc. Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. THIS PRODUCT IS NOT ENDORSED OR SPONSORED BY ADOBE SYSTEMS INCORPORATED, PUBLISHER OF ACROBAT READER.

Introduction

Mobile banking is the most convenient way to visit your financial institution. Instead of going out of your way to travel to a bank, accessing your bank accounts through our mobile app places best-in-class, highly intuitive technology and flexible features directly into the palm of your hand. Our mobile banking app is versatile—yet simple— as we employ an effective interface that increases user satisfaction, complete with exceptional functionality designed to exceed your expectations and strengthen your mobile banking experience.

We invite you to explore this helpful tutorial guide to become more familiar with our exciting mobile banking services.

1

Security At Malauzai, we do all that we can to protect your personal information and provide you with a secure online experience. However, we rely on you to take further precautions when using mobile banking to assure the safety of your accounts. General Guidelines • Make sure your operating system and antivirus software are up-to-date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your mobile device unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Online Banking when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of upper and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at (512) 961-5699.

2

Download the App Whether you are attempting to access and download our app from an Android™ or iPhone®, the unlimited amount of freedom and access to your accounts can be achieved in just a few moments.

For Android™: 1

Go to Google™ Play on your Android device. From the Google Play search bar, enter the name of your financial institution. Search results display on the next screen. Once you have located your financial institution, tap the entry from the list. 2 On the next screen, tap Install to begin downloading the app.

3

Download the App

continued ▶

For iPhone®: 1

Go to the App Store on your iPhone device. From the App Store search bar, enter the name of your financial institution. Search results display on the next screen. Once you have located your financial institution, tap the entry from the list. 2 On the next screen, tap Get to begin downloading the app.

4

Enroll After you have installed our mobile banking app on your device, you then need to enroll your information into the system. Once you complete this quick and easy process, you are on your way to banking everywhere you go!

1 A welcome display appears upon activating our mobile app. Tap Get Started to log in. 2 Next, tap Sign Up to begin enrollment.

5

Enroll

continued ▶

3 The next screen presents Online and Mobile Banking Agreement content for you to review. Tap whether you Decline or Accept the agreement terms. 4 Verify the type of customer you are from the drop-down list by selecting Business or Personal. For Retail/Consumer customers, select Personal from the drop-down list. Tap Next .

6

Enroll

continued ▶

5 The next screen provides a form that allows you to enter account and personal information. Once you have completed the form, tap Next . 6 A message is received confirming that your enrollment is successful. *Successful enrollment message screen may vary.

7

Log In Enter your login credentials that you established during the enrollment process to get started with mobile banking. To keep your information secure, a verification question is presented.

1 A welcome display appears upon activating our mobile app. Tap Get Started to log in. 2 Next, enter your Username and Password credentials within the provided spaces. 3 You can choose to save your Username and Password before you tap Log In . To do so, tap and then drag the Save toggle switch to the right to highlight it.

8

Log In

continued ▶

4 A confirmation message appears when your information has successfully saved. 5 Tap Log In to continue. 6 Then you are presented with a verification question for added login security. Enter the answer to the verification question within the provided space. Tap Enter when finished. You are now successfully logged in!

9

Main Menu

After you log in, you can view the main menu items and options we have provided for you, such as viewing your accounts, depositing a check and managing alerts.

1 Tap the menu icon that is displayed on top-left side of the screen to reveal main menu items. Press and then drag the menu back to the left to retract. Menu items include: • Accounts – View your account summary and transaction details • Transfer Funds – Move money and schedule transfers between accounts • Deposit a Check – Capture a check image to deposit money into your account • Picture Pay – Pay new and existing bills with your camera • Pay a Person – Send and receive money to and from friends • Messaging – Compose and receive messages, alerts and updates • Alerts – Manage security and account alerts to your email or mobile device

2 Additional menu options are also located at the bottom of the menu panel.

10

Accounts Summary & Details

The Accounts screen displays your active accounts, as well as the available and current balances, and transaction activities for each.

1 Enter relevant transaction information into the Search Transactions bar to reveal search results. 2 Current accounts are displayed in a list at the top of the screen. 3 Additional transaction information displays underneath a selected account. Tap an entry to reveal a snapshot of details about that transaction. 4 Tap the paper clip icon to attach an image to a transaction. 5 To attach a check image to a transaction, tap the corresponding check icon.

11

Attach Images Attaching an image to a transaction, whether it is an image of a receipt or a check, can serve as a helpful reminder when reviewing your account activities in the future.

1 Inside the transaction details, tap the paper clip icon to attach an image to a transaction. 2 To attach a check image to a transaction, tap the corresponding check icon. 3 A menu of options displays if you chose to attach an image to a transaction. Select whether you would like to manually capture or upload an image. If you choose to attach a check image to a transaction, your mobile device automatically switches to camera mode. Place your check on a high-contrasting surface, and align the check within the camera window. Tap inside the camera window to capture the check image. Tap Done when finished.

12

Transfer Funds – One-Time & Recurring At the heart of mobile banking is the ability to transfer funds between accounts. Quickly initiate a transfer to be a one-time occurrence or schedule future transfers to be automatically executed using the recurring options.

1 Tap Transfer Funds from the main menu, then Transfer between accounts on the next screen to initiate a single funds transfer. 2 On the next screen, tap the From required field and choose the debit account from the account list.

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Transfer Funds – One-Time & Recurring

continued ▶

3 Tap the To required field and choose the credit account from the account list. 4 Then, tap the Amount required field and enter the amount using the keypad. 5 Tap the Frequency required field to reveal a list of recurring options. Options include one-time, daily, weekly, every two weeks, monthly, every three months and annually. To complete a single transfer, select the One-time option. To complete a recurring transfer, select an option other than One-time and establish the recurrence schedule, depending on the option selected. This can include an end date or a specific number of transfers.

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Transfer Funds – One-Time & Recurring

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6 Next, tap the Send Date required filed and select the date you would like the transfer to send. When the calendar feature appears, the date you choose highlights in green. 7 Tap Submit .

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Transfer Funds – One-Time & Recurring

continued ▶

8 The next screen summarizes your transfer information. Tap Confirm to submit your transfer for review. This transfer appears within the Scheduled category on the main Transfers screen until it is delivered. 9 A message is received confirming that the transfer information has been successfully submitted.

16

Transfer Funds – Scheduled Transfers

View schedule details regularly so you can stay in control of account transfer activities that occur.

1 Tap the Scheduled option from the main Transfers screen to reveal a list of transfers that are pending. 2 Tap an entry to view the details of a scheduled transfer. 3 Transfer details display on the next screen.

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Transfer Funds – Transfer History

Having a list of executed transfers is a useful tool for ensuring that your transfers are processing smoothly.

1 Tap the History option from the main Transfers screen to reveal a list of transfers that have been executed. 2 Tap an entry to view the details of an executed transfer. 3 Transfer details display on the next screen.

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Deposit a Check

Going to the bank to deposit a check can be a burden. With our Remote Deposit Capture app feature, you can directly deposit a check from your phone.

1 Tap Deposit a Check from the main menu, and then tap Snap a picture of a check on the next screen. 2 The next screen allows you to enter the required information to successfully deposit a check. To begin, tap the To required field. Please note that checks deposited before 5:00 p.m. between Monday and Friday process the same day. Deposits after this time credits your account on the next business day.

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Deposit a Check

continued ▶

3 Next, tap the account that receives the deposit from the account list. 4 Tap the Amount required field and enter the stated amount on your check using the keypad.

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Deposit a Check

continued ▶

5 Capture an image of the front of your check. Place your check on a high- contrasting surface, and align the check within the camera window. Tap inside the camera window to capture the image. 6 Follow the same instructions for the reverse side of the check. Please note that the back of your check must contain a signature in order to be deposited.

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Deposit a Check

continued ▶

7 You are then notified whether your check images have been successfully captured. 8 Tap Submit . 9 The next screen summarizes your check deposit. Tap Confirm to submit your deposit for review. Deposits appear as a pending transaction in your receiving account until it is approved. A message is received confirming that the deposit information has been successfully submitted.

22

Picture Pay — New Bill Payment Just like transferring funds, paying bills shouldn't require taking extra steps to complete, such as mailing your payment or visiting a website. Picture Pay saves you time and effort by allowing you to pay bills with your camera.

1 Tap Picture Pay from the main menu. On the next screen, tap Pay a bill with your camera from the main Picture Pay screen to initiate a new bill payment.

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Picture Pay – New Bill Payment

continued ▶

2 Your mobile device automatically switches to the camera mode. If applicable, detach the payment voucher from your paper bill, and place it on a high- contrasting surface. Be sure that the full account number and the biller's address as well as all four corners of the voucher are visible. 3 Tap the capture button. The information from the voucher is then drawn and connected with a payee you have set up.

24

Picture Pay – New Bill Payment

continued ▶

4 The captured payment voucher displays under the Submitted Image field. To proceed, tap the Pay From required field to assign the debit account. 5 Then, tap the debit account from the account list.

25

Picture Pay – New Bill Payment

continued ▶

6 Tap the Amount required field and enter the amount stated on your check using the keypad. 7 Next, tap the Deliver By required field and select the date you would like the payment to be delivered. When the calendar feature appears, the date you choose highlights in green. The Send On Date appears within a highlighted red circle, indicating the date a payment must be sent in order to meet the selected Deliver By deadline.

26

Picture Pay – New Bill Payment

continued ▶

8 Tap Delivery Option from the calendar feature and choose the delivery method you prefer. The length of time between the Deliver By date and the Send On Date depends on the delivery option you select. 9 The next screen summarizes your bill payment. Tap Submit . This payment appears within the Scheduled category on the main Picture Pay screen until it is delivered.

27

Picture Pay – Recurring Payments

Scheduling recurring payments is an added convenience when paying bills that occur frequently—they automatically pay themselves!

1 Tap the Pay an existing bill again option from the main Picture Pay screen to initiate a recurring payment. 2 Next, tap the Pay From required field and choose the debit account from the account list.

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Picture Pay – Recurring Payments

continued ▶

3 Tap the Payee Name required field and select the desired name from the list. 4 Then, tap the Amount required field and enter the amount using the keypad. 5 Tap the Frequency required field to reveal a list of recurring options. Options include one-time, daily, weekly, every two weeks, monthly, every three months and annually. Select an option and establish the recurrence schedule. This can include an end date or a specific number of payments.

29

Picture Pay – Recurring Payments

continued ▶

6 Next, tap the Deliver By required field and select the date you would like the payment to be delivered. The date you choose highlights in green. The Send On Date appears within a highlighted red circle, indicating the date a payment must be sent in order to meet the selected Deliver By deadline. 7 Tap Delivery Option from the calendar feature and choose the delivery method you prefer. The length of time between the Deliver By date and the Send On Date depends on the delivery option you select.

30

Picture Pay – Recurring Payments

continued ▶

8

Tap Submit .

9 The next screen summarizes your recurring bill payment. Tap Confirm to submit your payment for review. This payment appears within the Scheduled category on the main Picture Pay screen until it is delivered. A message is received confirming that the payment information has been successfully submitted.

31

Picture Pay – Scheduled Payments Maintaining transaction information and due dates can become daunting if they frequently occur. Viewing a list of scheduled payments and details keeps you organized to avoid any unwanted surprises.

1 Tap the Scheduled option from the main Picture Pay screen to reveal a list of payments that are pending. 2 Tap an entry to view the details of a scheduled payment. 3 Payment details display on the next screen.

32

Picture Pay – Payment History

Viewing your payment history details is essential to ensure that transactions are executed on time.

1 Tap the History option from the main Picture Pay screen to reveal a list of payments that have been executed 2 Tap an entry to view the details of an executed payment. 3 Payment details display on the next screen.

33

Picture Pay – Add a Payee Before you can pay a bill with mobile banking, you must set up payees. Payees are an individual or company that receives a payment. When using Picture Pay, your payment voucher information must be identical to the payee you set up.

1 Tap the Payees option from the main Picture Pay screen to add a new payee. On the next screen, tap the Pay From required field to assign the debit account. 2 Next, tap the debit account from the account list.

34

Picture Pay – Add a Payee

continued ▶

3 Enter the payee name, payee nickname and account number. Scroll down to enter the address for the payee, including the city, state and zip code. Tap Submit when finished. 4 A message is received confirming that the new payee information has successfully submitted.

35

Pay a Person – Send Money Rather than wait to pay friends the next time you see them, quickly send money to them using the Pay a Person feature. You will both appreciate how innovative and easy the process can be.

1 Tap Pay a Person from the main menu, and then tap Send a friend money on the next screen. 2 Next, tap the Pay From required field and choose the debit account from the account list.

36

Pay a Person – Send Money

continued ▶

3 Tap the Payee To required field and enter a name using the keypad. 4 Then, tap the Choose Send Method required field and select either the Email or Phone option.

37

Pay a Person – Send Money

continued ▶

5 Once you have selected a preferred option, enter the information based on your choice—email or phone. Then, tap the Amount required field and enter the amount using the keypad. 6 Next, enter a security question. This is an added measure of security. Be sure only the recipient can answer the question you have chosen. 7 Enter the answer to the security question using the keypad. Tap Submit when finished.

38

Pay a Person – Send Money

continued ▶

8 The next screen summarizes your payment information. Tap Confirm to submit your payment for review. This transfer appears within the Pending category on the main Pay a Person screen until it is delivered. 9 A message is received confirming that the payment information has been successfully submitted.

39

Pay a Person – Receive Money

Of course, being able to send money to a friend should also mean you are able to receive money from them just as easy.

1 Tap Pay a Person from the main menu, and then tap Receive some money on the next screen. 2 Next, tap the Pay To required field and choose the credit account that from the account list. Then, tap the Payer required field and enter a name using the keypad.

40

Pay a Person – Receive Money

continued ▶

3 Then, tap the Receive Method required field and select either the Email or Phone option. 4 Once you have selected a preferred option, enter the information based on your choice—email or phone. Then, tap the Amount required field and enter the amount using the keypad. 5 Next, enter a security question. This is an added measure of security. Be sure only the recipient can answer the question you have chosen.

41

Pay a Person – Receive Money

continued ▶

6 Enter the answer to the security question using the keypad. Tap Submit when finished. 7 The next screen summarizes your payment information. Tap Confirm to submit your payment for review. This transfer appears within the Pending category on the main Pay a Person screen until it is delivered. A message is received confirming that the payment information has been successfully submitted.

42

Messaging Securely sending and receiving messages is a necessity when banking online from your mobile device; you can reach out to a payee or financial institution without logging off or opening another window.

1 Tap Messaging from the main menu. On the next screen, you can read messages in your inbox, view messages sent and save messages. 2 Icons are available to highlight, delete or compose messages. 3 Tap an entry to view a message. 4 Tap the pencil icon to compose a message on a new screen. 5 From the drop-down list, select the subject of your new message. 6 Tap the paper clip icon to attach a file to your message. When finished with your message, tap Send .

43

Alerts Having peace of mind is an expectation when it comes to your banking experience. Alerts help you stay on top of your accounts by notifying you through email or text message when certain triggers occur.

1 Tap Alerts from the main menu. On the next screen, you can establish or edit your Email and SMS/Text Delivery Options or configure your Security and Account Alerts. 2 Tap the paper airplane icon in the Delivery Options panel to change your Email Settings. 3 Enter or edit your email address within the provided space. Tap Save when finished.

44

Alerts

continued ▶

4 Tap the smartphone icon in the Delivery Options panel to manage your Phone Settings. Enter or edit your phone number within the provided space. Tap Save when finished. 5 A message is received confirming that the new Email or SMS/Text information has successfully saved.

45

Alerts – Security

When it comes to mobile banking, being notified immediately when certain scenarios happen within your account can be of great value to your safety and security.

1 Tap Security Alerts from the main Alerts screen. On the next screen, tap on a scenario entry to activate the option to receive Email Alerts. 2 When you tap on a scenario entry, the panel expands to reveal a paper airplane icon. If a scenario has not been activated for Email Alerts, it displays as "OFF."

46

Alerts – Security

continued ▶

3 To activate a scenario for Email Alerts, tap the paper airplane icon. The "OFF" display disappears, and the icon features become more prominent. 4 If a scenario requires a dollar amount, enter it within the provided space using the keypad.

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Alerts – Security

continued ▶

5 Once you have entered an amount, you may also expand the panel to activate the scenario for Email Alerts. 6 Tap Save Changes when finished. 7 A message is received confirming that the new Security Alerts information has successfully saved.

48

Alerts – Account It is not uncommon for someone to be unaware of their balance or the transactions taking place within their account. Setting up alerts for your account can easily solve this problem.

1 Tap Account Alerts from the main Alerts screen. On the next screen, tap an account to activate the option to receive Email or SMS/Text Alerts. 2 When you tap on a scenario entry on the next screen, the panel expands to reveal a paper airplane and smartphone icon. If a scenario has not been activated for Email or SMS/Text Alerts, it displays as "OFF."

49

Alerts – Account

continued ▶

3 To activate a scenario for Email or SMS/Text Alerts, tap the paper airplane or smartphone icon. The "OFF" display disappears, and the icon features become more prominent. 4 If a scenario requires a dollar amount, enter it within the provided space using the keypad.

50

Alerts – Account

continued ▶

5 Once you enter an amount, you can also expand the panel to activate the scenario for Email or SMS/Text Alerts. If a scenario has not been activated for either, it displays as "OFF." Tap Save Changes when finished. 6 A message is received confirming that the new Account Alerts information has successfully saved.

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Settings The Settings feature allows you to quickly manage your personal preferences, such as Account Order and Language, so your mobile banking experience can be customized and comfortable.

1 From the main menu, tap the Settings menu icon that is displayed at the bottom. 2 Tap the options on the Settings screen that you would like to configure.

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Locations

No matter where you are or plan to go, you can find the nearest branch or ATM using the Locations feature.

1 From the main menu, tap the Locations menu icon that is displayed at the bottom. 2 Enter branch or ATM information within the Search bar at the top of the Locations screen to reveal search results. 3 Locations display in a list. Tap a location entry to review additional details.

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