1ADVISOR vs Cost Savings

Optimize your digital banking experience, interest rate, FDIC insurance and customer service available exclusively from your financial advisor. Financial advisor directed Fiduciary First Banking™ features: - Heightened FDIC insurance - Materially higher depositor interest rates relative to national averages - Zero fees, anywhere at any time - Daily transparency around the interest rate on all depository accounts - Daily benchmarking of interest rate relative to national averages - Prompt customer service from a dedicated Private Concierge Finally, a consumer banking app that puts your best interests first under the guidance of your financial advisor.

CostSavings connects employees and business teams with the tools available through their organization—all from one secure mobile experience. For Employees: • Access Everyday Savings and exclusive workplace benefits • Open the AI-powered Travel Planner • Move securely between the mobile app and your organization’s web experience For Business Users: • Capture an invoice or bill using your camera, photo library, or document picker • Submit documents to CostPilot AI for savings analysis • Review completed analyses and savings opportunities in the secure Business Hub • Access organization tools through a short-lived, single-use authentication handoff Account access is provided through your employer or organization. Employees receive an invitation when access is granted, while business accounts are created through the CostSavings website. Available features depend on your organization, account role, and enabled modules.