YNCU Mobile Banking App vs Shinhan SOL Canada

Get easy, instant, and secure access to your YNCU accounts on the go.  With this app, you can: • View your account activity and recent transactions • Choose to display your balances onscreen without having to log in • Transfer money between your accounts • Use Interac® e-Transfer to send money securely to anyone via email or text • Deposit a cheque • Pay bills now or set up one-time or recurring payments for the future • View and edit scheduled bills and transfers • Get messages about your account straight to your phone • Find a Branch or ATM near you using your device’s GPS • Contact us Our banking app uses the same high-level of security as our online banking. You sign in to the app with the same login that you would use for online banking.  If you are not an existing online banking user you can still use the Branch/ATM locator or Contact Us feature. By downloading the YNCU Connect mobile app, you consent to the installation of the app and any future updates or upgrades. You may withdraw your consent at any time by deleting or uninstalling the app from your device. When you install the app it will ask for permission to access the following functions of your device: • Location services – allows the app to use your device's GPS to find the nearest branch or ATM • Camera – allows the app to use device camera to take picture of cheques to utilize the cheque deposit feature • Contacts – allows you to create new Interac® e-Transfer recipients by selecting from your device contacts

Shinhan Bank Canada’s mobile app SOL offers you a secure and quick banking with convenient access to your transfers. Send money with ease and rest assured by using SOL for your everyday banking! SOL offers essential transfers such as Global wire transfer, Transfers within Shinhan Bank Canada, and Interac e-Transfer®. You can also benefit from many options for moving money between your account with us and other Canadian Financial Institutions. With Shinhan Bank Canada’s SOL app • Become a customer of Shinhan Bank Canada and open your accounts. • Create a ‘Quick Transfer’ shortcut for your frequent transfers. • Set 6-digit passcode to secure your accounts and movement of funds. • Transfer large funds to/from other Canadian Financial Institutions. • Manage transfers between your account with us and other banks. • Book a branch visit appointment or virtual appointment. • Deposit a cheque by taking a picture on your phone. • Pay bills and schedule your future payments. • Locate ATM and get access to a wide selection of exchange network ATMs. • Check Insights to track your account balances. • Get a new debit card, and securely manage your card when lost. Privacy Shinhan Bank Canada is committed to protecting your privacy. We collect, use and disclose the information that you provide to us in accordance with your account agreement(s) with us and our privacy policy, available at http://shinhan.ca/footer/privacy Mobile app SOL of Shinhan Bank Canada might need to access device services for certain features, like camera for mobile cheque deposit and Sign-up. Legal By installing SOL app by Shinhan Bank Canada, you consent to any future updates or upgrades. You can withdraw your consent by uninstalling the app from your device. If you download the mobile app SOL, you must review, and are subject to, the terms and conditions found under the Legal link on http://shinhan.ca as well as all applicable agreements between you and Shinhan Bank Canada, including: • Personal Banking Agreement (Personal clients of Shinhan Bank Canada) • Business Banking Agreement (Business clients of Shinhan Bank Canada) • Digital Access Agreement • Privacy code We may deliver personalized content and relevant advertising according to your communication preferences. To update and manage the preferences, please use SOL Alert settings in the SOL app and device settings. You may be subject to the terms and conditions under ‘Digital Access Agreement’ of Shinhan Bank Canada found in http://shinhan.ca when you opt-in for the notifications. * If you require further assistance, call 1-416-250-3500, or Email us at 8038info@shinhan.com Interac® is a registered trademark of Interac Corp. Used under license.