Blue Digital vs Advanced Budget Tracker

Your finances, on your terms. Blue Digital by Blue Federal Credit Union makes it easy to manage your accounts, move money, and stay connected to Blue wherever life takes you. Enjoy a refreshed mobile experience with updated menus, a redesigned passcode screen, and helpful improvements to transaction memos and payment notifications. View and edit scheduled transfers right from your mobile device, and see your scheduled transaction history for greater visibility into your money. GETTING STARTED Log in with your Blue Digital username and password. New to Blue Digital? Select “Enroll for a Login” in the app to create your credentials and get started. MANAGE YOUR MONEY • Securely view account balances and transaction history. • Transfer money between accounts and set up external accounts. • View and edit scheduled transfers. • View your scheduled transaction history. • Make loan payments and pay bills. • Send money to people you know and trust with Zelle®. • Deposit checks using your mobile device’s camera. MANAGE YOUR CARDS • Activate your cards, add travel notices, and change your PIN. • Launch CardNav by Blue FCU from within Blue Digital by Blue FCU to activate your cards, add travel notices, and change your PIN, and more. STAY CONNECTED • Send and receive secure messages with Blue. • Update your contact information. • Find nearby branches and ATMs. SECURITY All transactional data is encrypted, and no sensitive account information is stored on your mobile device. PERMISSIONS • Location permissions are used to help you find nearby branches and ATMs. • Camera permissions are needed to deposit checks remotely. 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 authorize 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 OR NEED HELP? Blue Federal Credit Union www.BlueFCU.com 1-800-368-9328 support@BlueFCU.com

ADVANCED BUDGET TRACKER is a simple, powerful way for families to manage money together — on your iPhone, iPad, and the web, all perfectly in sync. 100% free. No ads, no subscriptions, no in-app purchases, no premium tier — every feature is included for every family, always. Built for households who want clarity without complexity, ADVANCED BUDGET TRACKER separates your Fixed Costs (rent, insurance, subscriptions) from your Variable Costs (groceries, dining, entertainment), so you always know what’s locked in and what’s flexible each month. KEY FEATURES FAMILY SYNC — One shared budget for your whole household, updated in real time across every device and our companion web app at budgetapp.seedtoinvest.com MULTI-CURRENCY — Choose from 14 currencies (USD, EUR, GBP, JPY, CAD, AUD, CHF, NZD, SGD, HKD, SEK, NOK, DKK, KRW) so the app matches your household’s currency FIXED & VARIABLE COSTS — Fixed costs post automatically each month once you’ve had a chance to set things up; variable costs are tracked with day-of-month pacing so you catch overspending early CUSTOM CATEGORIES — Add, rename, and reorder categories to match how your family actually spends SAVINGS & INVESTMENT GOALS — Set a target amount and date for any category and watch your progress build automatically from your transaction history BUDGET SPREADSHEET — See every category, planned vs. actual, at a glance CATEGORY TREND CHARTS — Visualize how each category has moved month to month over the year SMART ALERTS — Get flagged automatically when a category is pacing over budget CSV EXPORT — Download your transaction history any time PRIVATE & SECURE — Your data is tied to your family account and never shared ADVANCED BUDGET TRACKER is completely free — no ads, no upsells, no catches — created by Seed to Invest, LLC as part of our mission to make personal finance education accessible to everyone. Learn more at seedtoinvest.com.