TowneBank Mobile Banking vs 0based

TowneBank Mobile Banking allows Towne-Personal and Towne-Biz members to securely manage your finances from the palm of your hand. Monitor your accounts, budget your finances, send, and receive money with Zelle®* and deposit checks. Manage Accounts • Quickly access your finances with TouchID® or FaceID®** • Review account history, transactions, and balance information • Transfer funds between accounts at TowneBank or another financial institution • Deposit checks*** • View check images Make Payments • Send money to friends and family with Zelle® • Schedule, edit, or cancel bill payments • Add and delete payees from bill pay • Make payments to your TowneBank loan from an account at another financial institution Budget Your Finances • Use Money Management to track expenses, create budgets, and set goals • See daily spending at a glance Security Features • Turn your debit card off or on with Card Control • Enable notifications for balance alerts, spending alerts, and more Contact Us • Locate offices and ATMs based on your current location • Send a secure email or chat with Towne Member Care The TowneBank Mobile Banking App^ is both convenient and SECURE. Each mobile session is protected with the same level of security as online banking, including SSL encryption and extra login security. No sensitive information is stored on your mobile device and no account numbers are ever transmitted. Disclosures *U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. **Certain devices are eligible to enable fingerprint sign-on. If you store multiple fingerprints on your device, including those of additional persons, those persons will also be able to access your TowneBank Mobile Banking app via fingerprint when fingerprint is enabled. Touch ID and Face ID are registered trademarks of Apple Inc. Only select Apple devices are eligible to enable Face ID. If you have family members who look like you, we recommend you log into mobile banking with your username and password. ***Mobile check deposit is subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. ^There is no charge from TowneBank for the app, however, your mobile carrier’s web access charges may apply. Your financial security is our priority. To view the Consumer Privacy Policy, please visit townebank.com Member FDIC

0based is an AI-powered finance app that actually understands your money. Track personal and business finances in one place — then ask your AI advisor anything. Can I afford to hire? Am I overspending? What's my runway? Get real answers based on your real data. PERSONAL FINANCE Track all your accounts — checking, savings, credit cards, loans. Set budgets by category, track bills and due dates, and let AI spot patterns in your spending you might miss. STARTUP & BUSINESS Monitor your cash position and expenses. Track burn rate and runway. Ask the AI anything about your company finances — it knows your numbers. AI THAT KNOWS YOUR MONEY Ask anything in plain English. The AI analyzes your actual accounts, transactions, and budgets. It remembers your goals across conversations — every interaction builds on the last. SMART INSIGHTS AI-generated insights on your dashboard. Spending spikes, budget alerts, unusual activity — surfaced automatically. SHIELD MODE Not ready to face the numbers? Activate Shield Mode to hide your balances with a single tap. Let the AI surface what matters — insights, alerts, and patterns — so you stay informed without the anxiety. Full visibility when you want it. None when you don't. CONNECTED BANKING Link your bank accounts for automatic transaction sync. Your data updates in real time — no manual entry required. BUILT FOR PRIVACY Sign in with Apple — no email or name collected. Your data is never sold or shared. Export or delete anytime.