UBTC Mobile vs First Bank Hampton NextGen

Start banking wherever you are with UBTC Mobile app. Available to all UNITED BANK & TRUST COMPANY online banking customers. Available features include: Accounts: •Check your latest account balance and search recent transactions by date, amount, or check number. Transfers: •Easily transfer cash between your accounts. Bill Pay: •Make payments and view recent and scheduled payments. Deposits: •Submit check deposits using your device’s camera. Touch ID/Face ID: •Touch ID/Face ID allows you to use a secure and more efficient sign-on experience using your fingerprint or facial recognition.

Thanks to our app, kids and teens can now learn important money management skills by completing chores, earning money and using their mobile devices. Due to the lack of financial education in most schools, our app has just about everything any child (5 to 17 years old) could ever need to help build the important money skills they’ll need to be successful adults. From the palm of their hands they can make real-life money decisions with parents serving as a safety net. Teens and kids can earn, save, donate to charities† and spend. They can even use the funds to learn to invest* in real stocks. Hand-on experience is the best way for kids to learn, and with parents approving money transactions leaving the app, it’s could be safer than giving them actual money. Chores and allowance tracker: Kids can earn an allowance by doing chores based on age and schedule. There are hundreds of chore/allowance combinations available but a parent can also add their own. In addition, the app’s chores and allowance tracker helps them build important character traits like accountability, dependability, time management and teamwork. Enjoy our easy setup and real-time push notifications on chores and money transactions. Teach Easy Investing: Included in every family account! No upgrades needed! Teach your kids/teens how to invest from an early age and their potential can be limitless. Think college funds, first car, a home, and more. These valuable skills could help guide them through adulthood and create financial strength you can’t get with a bank alone. Learn to invest on our app and your assets are safe with our integrated investing platform, backed by Apex Clearing Corporation. Families can invest together, and within, just a few clicks make an investment for as little as $10 a transaction (and say goodbye to commissions). BusyPay†: Instead of wasting money on gift cards that could get lost, stolen or leave unused funds, use BusyPay and load money directly to an account. By sharing a BusyPay QR code, friends and family can add money to an account for birthdays, holidays, or working for a neighbor. Even use this exclusive feature to send money to others using our app. Being Charitable: Our app promotes a balance financial lifestyle and that includes being charitable. Donating is important for more reasons than the tax implications. Our app has more than 60 local and national charities built in to help make sharing easy. Safety First: We use the latest SSL encryption technology, and funds inside the app (child’s accounts) are FDIC Insured. The app and cards require individual PINs for use, and we strongly encourage all PINs be different. Parents receive alerts for any money transactions and card issues. Has all sensitive information stored by partners compliant with all Payment Card Industry Data Security Standards. This First Bank Hampton NextGen program is provided through BusyKid. The BusyKid Visa® Prepaid Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted. All cardholder funds are insured by the FDIC in accordance with the FDIC’s applicable terms and conditions. Cliq® is the exclusive and authorized Servicer of the BusyKid Visa Prepaid Card. † - These optional features are BusyKid products. *BusyKid's provision of access to securities products and brokerage services are offered by Apex Clearing Corporation. Apex Clearing Corporation is an SEC registered broker dealer, a member of FINRA and SIPC, and is licensed in 53 states and territories. FINRA BrokerCheck reports for Apex Clearing Corporation are available at: http://www.finra.org/brokercheck Investments in securities: No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives, charges and expenses.