PostFinance App vs ZKB TWINT

Keep your finances under control at all times with the PostFinance App Carry out your banking transactions easily and securely whether you’re at home or on the go. With the PostFinance App, you can keep track of your accounts, payments and investments. Access is quick and easy with Face ID or Touch ID. All you need to know about your account at a glance • Check your account balance, keep track of income and expenditure, and analyse what you spend your money on. • Scan or upload QR-bills, pay eBills directly in the app and send money easily to mobile numbers. • Documents can also be displayed and shared easily as PDFs. • Apple Pay and PostFinance Pay are available for convenient payment. Settings and support directly in the app • Adjust card limits, block or unblock your cards or order a replacement. • Set up push notifications for credits, debits or eBill. • You can also change your address or reset your password directly in the app. • If you have any questions, the PostFinance chatbot will be happy to help you at any time. Investing and retirement planning made easy • Track stock market prices, access your custody account and manage your investment products from digital asset management to fund self-service and e-trading. Digital vouchers and prepaid credit • Buy or gift vouchers for iTunes, PaysafeCard and many other providers or top up prepaid credit for your mobile phone. Security is top priority Your data is optimally protected using modern encryption methods. For even greater security, we recommend keep-ing the operating system and all apps up to date. The app can be set up so that you can log out quickly by shaking your smartphone. More information: https://www.postfinance.ch/en/support/security/e-finance-security.html General information on security • Keeping your data secure is our top priority. A multi-stage encryption and identification process ensures that only you have access to your accounts. • Apple Store must be preinstalled on your device. Manual installation of the Store and installation of the Post-Finance App via this channel or downloading the PostFinance App via a third-party provider are not permitted. • PostFinance observes the provisions of Swiss data protection legislation when collecting and processing personal data. In all areas of its online product range, comprehensive technical tools and organizational measures are used to protect against unauthorized access, manipulations and data loss. • If you lose your mobile phone and/or your SIM card or if there is reason to suspect misuse, please contact our Customer Center immediately on +41 58 448 14 14. Important information For regulatory reasons, the app does not support onboarding or sign-up to new products and services for people who are not domiciled in Switzerland. For customers living abroad, the app acts as a login mechanism for their existing relationship with PostFinance. More information: postfinance.ch/app

ZKB TWINT, the Swiss payment app. With ZKB TWINT, Zürcher Kantonalbank’s free payment app, you can pay conveniently and securely at the checkout, in online shops or among friends. One app, many advantages: - Fast: Send, receive and request money around the clock in real time – from smartphone to smartphone. - Convenient Easy payment in online shops, at supermarket checkouts, in canteens and at vending machines. - Straightforward: Register in just a few steps using the ZKB Mobile Banking app or ZKB Visa Debit Card. - Free of charge: Using ZKB TWINT is free of charge; no transaction fees are incurred. - Secure: Access the app using a six-digit numerical code (PIN), fingerprint (Touch ID) or face recognition (Face ID). ZKB TWINT also fully meets the security standards of Swiss banks. - Simple: Debits are charged directly to your bank account. The app does not have to be topped up with money first. - Widely accepted: Whether among friends, at tills, in restaurants or online shops – you have everything you need with Switzerland's leading payment app. - Flexible: The ZKB TWINT app shows you the current limits and the amount still available. You can adjust your limits yourself with just a few taps, with immediate effect. - Transparent: Thanks to the full-text search, you can quickly find your ZKB TWINT transactions in the history section – you can search by contact, merchant name, telephone number or message. One app, many functions: - Send and request money: ZKB TWINT allows you to transfer money in real time – simply from smartphone to smartphone. And you can request and receive amounts from friends or family members. Adding a photo and a few nice words allows you to make your message personal and friendly. - Pay simply and conveniently: ZKB TWINT lets you pay in online shops, at supermarket tills, in canteens and at vending machines. - Twint parking fees: Start the parking process directly from the app or scan the QR code on the parking meter and select the desired parking time. Practical: If you return earlier than planned, simply cancel the parking time and the outstanding amount will be refunded to you. - Donate: With ZKB TWINT, you can pay for your donation to numerous organisations directly from the app. - Withdraw cash: Using your ZKB TWINT app, you can withdraw cash in over 2,300 shops such as K Kiosks, Volg, pharmacies, fuel stations or restaurants. - Digital vouchers and credits: Buy digital vouchers and credits for your favourite shops quickly and at any time. Display the code directly or access it at any time via ZKB TWINT. You can also pass on the voucher code directly via email. - Buy public transport tickets: Simply save ZKB TWINT in your public transport app as your preferred payment method or pay via QR code at vending machines or in online shops. - Super deals: Every week, you can find especially attractive deals that are only available in the TWINT app. Easy registration: 1. Install ZKB TWINT on your smartphone 2. Register using the ZKB Mobile Banking app or ZKB Visa Debit Card 3. Twint and benefit from the many advantages Requirements: - Possession of a cell phone number with the country code Switzerland (+41), Germany (+49), France (+33), Liechtenstein (+423), Italy (+39) or Austria (+43) and a Swiss residential address - A smartphone with the following minimum operating system versions: iOS 15.0 or newer - Own transaction account with Zürcher Kantonalbank in Swiss francs, such as a ZKB Private Account or ZKB Private Account Young. Linking with a ZKB corporate account is not possible. - Active ZKB Mobile Banking on the same device or a ZKB Visa Debit Card issued in your name - Internet access - Minimum age: 10 years Further information: www.zkb.ch/twint Zürcher Kantonalbank eBanking: www.zkb.ch/ebanking