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, along with their cashback rates by category — dining, groceries, gas, travel, and more. Wherever you go, Wallet Optimizer detects the kind of place you're at and instantly surfaces the card in your wallet that earns you the most back there. HOW IT WORKS • Walk into a coffee shop, gas station, or store — Wallet Optimizer recognizes the category and recommends your best card for it • See every card ranked by cashback rate for that category, not just the top pick • Browse all your rewards by category, or by card, whenever you want to compare • Scan a card to add it — no manual typing of numbers BUILT AROUND YOUR PRIVACY Wallet Optimizer has no account, no backend server, and no analytics. Your cards and reward rates are stored only on your device. Location is used to find nearby places and is never collected or seen by us. Stop guessing. Stop leaving cashback on the table.