Blue Digital vs The Reckoner

Blue Digital by Blue Federal Credit Union makes managing your finances on the go super easy! With Blue Digital, you have convenient access to your accounts through your favorite mobile device. Simply login with your Blue Digital username and password. If you are a first time user, simply "Enroll for a Login" to create your credentials to get started, all available right within the app. HIGHLIGHTED MOBILE FEATURES • See your balances and transaction history securely. • Move money easily, transfer money between accounts, make a loan payment, pay bills, setup external accounts, or utilize Zelle® to pay somebody you know in near real-time. • Manage your Cards, Activation, Travel Notes, Change your PIN, or Launch CardNav by Blue FCU for further controls & alerts options. • Deposit checks utilizing the camera on your mobile device. • Send and receive messages securely with Blue. • Keep your information updated as things change, update your contact information with us. SECURITY All transactional data is encrypted and no sensitive account information is stored on your mobile device. PERMISSIONS • Location permissions are needed to determine your location in order to find nearby Branches and/or ATMs. • Camera permissions are needed to remotely deposit checks. The companion CardNav by Blue FCU app periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if you, the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User's selection. End Users can change their location permissions at any time in their device settings. ACCESS Deposit limits, transaction limits, and other restrictions apply. Access to Blue Digital is subject to eligibility. Some features are available for eligible members and accounts only. There is no charge from Blue Federal Credit Union to use the Blue Digital app, but message and data rates may apply. All transactions are subject to our Funds Availability Policy and related applicable laws. Questions / Comments / Need Help? Blue FCU www.BlueFCU.com 1-800-368-9328 support@BlueFCU.com

The Reckoner splits group expenses and remembers exactly who owes what, so you don't have to. HOW TO SPLIT A RECEIPT Snap a photo of any receipt. AI reads the items, tax, and tip. Tap to assign items to people and it does the math to the penny. HOW TO USE GROUPS Make a group for a trip, a house, or a regular crew. Add expenses, split evenly or by item, and always see a clear running balance of who owes whom. HOW TO SPLIT A ONE-OFF MEAL (no group needed) Add who's there, scan or type the total, assign items, add tax and tip, and get everyone's share instantly. HOW TO SETTLE UP When it's time to pay, hand off to Venmo, PayPal, or Zelle in a tap and mark it settled. The Reckoner tracks the money — it never touches it. THE RECKONER PRO Pro unlocks unlimited expenses and 50 AI receipt scans a month. 7-day free trial, then $2/month or $20/year. The Reckoner is an expense-tracking tool. It doesn't move money and isn't financial, accounting, or tax advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/