HAL mobileBanking vs SMBC MultiCash Mobile Token

Secure, quick and easy banking transactions - with the HAL mobile banking app, you can keep an eye on your assets, your transactions and your mailbox anytime and anywhere. A wide range of functions make it easier for you to keep track of your finances: • Accounts: Display of balances and turnover, integration of third-party accounts possible (multibanking) • Payments: Domestic and international transfers, set up standing orders, forward transfers and templates • Portfolio: Display of security accounts and transactions, structure, performance, maturity calendar, results report • Mailbox: all documents and messages from us always at your fingertips • Service: creation of your individual user name (alias) • Security: SCA - 2-factor authentication and secure data transfer with 128-bit SSL encryption • TAN procedure: SMS Tan, pushTan (with in-app approval) and photoTan (in the app or with a separate device) • Dashboard: configuration to your personal priorities Do you have any questions? For general questions about Hauck Aufhäuser Lampe Online Banking, please contact us during business hours on +49 (0) 69 2161-1112. You can find more information about us on our homepage: www.hal-privatbank.com We look forward to your feedback Your comments and ratings are very welcome. If you have any comments, questions or suggestions, please do not hesitate to contact us during business hours on +49 (0) 69 2161-1112. You can send feedback to online.banking@hal-privatbank.com at any time.

As part of SMBC Group’s commitment to online security and excellent Customer experience, we have introduced the “SMBC MultiCash Digital Token” app. The app provides significantly enhanced security features when compared to traditional OTP generating token and delivers an improved login experience through secure authentication. Further, the app allows for the “Dynamic Linking” of payments by letting approval users validate and digitally sign payment details “out of ban”, thus providing enhanced protection against fraud. When you approve E-payments, the contents are sent to the SMBC MultiCash Digital Token App for signing by the scanning of a “Cronto Image” that contains details of the payments you have selected for approval. By scanning this “Cronto Image” into your SMBC MultiCash Digital Token app, it can display the payment information and will allow you to sign them by inputting a response generated by the mobile app. This means that when the Bank receives payment orders, the system can verify that they are genuine. The App only reads the data already available to you at the time of authorisation. This data is never stored on the phone or is viewable other than when you access the app at the point of authorisation. No transaction history is ever available on the mobile device.