Cenlar Mobile™ vs Wallet Optimizer

Cenlar Mobile™ Manage your mortgage on the go. Description and benefits: Cenlar Mobile™ , a convenient and secure way to manage your home loan right from your phone. Easily make a payment, check account balance, see when taxes were paid, view a statement or sign up for automatic payments. The new app has functionality similar to the website. Use our calculators to determine how to save interest and pay off your mortgage sooner. What you can do on Cenlar Mobile™ : • Stay current on your mortgage details and outstanding balance • Make a payment and view payment status • Enroll in AutoPay and view scheduled payments on your mortgage • Calculate changes to PMI based on projected changes to your loan • View details on escrow, taxes and insurance • Calculate the impact of making additional payments on interest cost savings and earlier loan pay off • View the Learning Center to see frequently asked topics and questions How to access: • Complete the secure registration on Cenlar Mobile™ if you have not previously registered on our app or website • Use thumbprint or facial recognition for subsequent login We are listening and will continue to make improvements. Here’s What’s New – o Redesigned and more intuitive user experience o Enhancements to the Payment History screen to display reversed payments o Enhanced messaging for when the app is down for maintenance o Ability to display full loan number o Ability to submit a secure message with one attachment (PDF, PNG, JPEG) Please note you will need [iOS version 13.0] or greater.

Wallet Optimizer tells you which credit card to use, before you tap to pay. Add the cards you already carry and their cashback rates by category — dining, groceries, gas, travel, and more. Wherever you are, Wallet Optimizer suggests the category and instantly shows which of your cards earns you the most there — and if it guesses wrong, switching categories yourself takes just a tap. HOW IT WORKS - Get a suggested category and your best card the moment you check - Wrong guess? Tap "Not here?" to browse nearby places or pick any category yourself - See every card ranked by cashback rate for that category, not just the top pick - Browse all your rewards by category or by card, anytime - Add a card by scanning it — processed entirely on your device, never uploaded BUILT AROUND YOUR PRIVACY - No account, no sign-up, no backend server - No bank or card-account linking — we never see your transactions - No analytics, no ad tracking - Your cards and reward rates stay on your device, always - Location is used only to find nearby places via Apple Maps — processed by Apple, never sent to us, and never linked to your identity