SCF Mobile vs Tyche App

Sunshine Coast Mobile Banking allows you to do your banking securely at anytime and anywhere – in the palm of your hand! Access and view your account balances, pay your bills, and transfer money conveniently. Use Sunshine Coast Mobile Banking for fast, easy, on-the-go banking. There are no new passwords to remember – all account login information is the same as your online banking. The app is compatible with iPhone, iPod Touch and iPad. With Sunshine Coast Mobile Banking you can: • Log in with your Username and Password • Set-up Fingerprint ID or Facial Recognition for secure and quick access • View your account activity, balances, and recent transactions • Pay bills now or set them up for a future payment date • View and edit upcoming scheduled bills and transfers • Send money instantly with Interac e-Transfer® • Transfer money between your accounts, including different memberships • Quickly and securely deposit your cheques by using your smartphone or tablet • Display your balances at-a-glance without having to log in with Quick View It’s simple to use and free* Security Your security is our top priority, which is why our mobile banking app uses the same level of secure protection as our full online banking. Permissions In order to use Sunshine Coast Mobile Banking, you'll need to grant our app permission to access certain functions on your mobile phone, including: • Full network access – Allows our app to connect to the Internet. • Take pictures and videos – Deposit cheques using Deposit Anywhere™ right from your mobile phone by allowing our app access to your phone camera. • Access to your phone contacts – Get the utmost in convenience by allowing our app to access your list of contacts, that way you can send an Interac e-Transfer® to someone on your contact list without manually setting them up as a recipient in mobile banking. Access Access is available to all members who currently use our online banking service. If you’re not a Sunshine Coast Financial member, no problem – simply contact us and set up a new membership. You’ll be set up with access right away. Use of the mobile app is subject to the terms and conditions found in our Sunshine Coast Financial Account Access Agreement for personal accounts. *You may incur service charges for various online services depending on the type of account you have. In addition, your mobile carrier may charge you for using your mobile device to access the services provided by our mobile app.

What Do We Offer Differently? The risk metrics of Value At Risk have been around since the 1990s. Since then, it has been widely used by financial institutions to measure asset portfolio risk. In our app, we are introducing Value At Risk to the average investor to quantify portfolio asset risk in their brokerage accounts. Buy Analysis When contemplating adding an asset to your brokerage firm portfolio, Tyche will give you the expected risk of the new asset prior to buying it. Based on the expected risk you may be able to resize the intended investment. Distribution Between Assets Tyche provides an individual risk measure for each asset in the brokerage account portfolio. This method provides you with a detailed view of how your portfolio risk is distributed among your assets and perhaps takes action based on risk distribution. Investment Comparison Tyche helps you to decide on a choice between desirable assets to be included in your portfolio. Assuming you equally like both assets, the change in the risk profile provided by us under both assets may help you to make the final decision. Quantification versus Graph As far as we know brokerage accounts do not provide risk for individual assets. They at best provide risk distribution in terms of broad asset classes, such as small-cap, large-cap, etc., and that only for the overall portfolio. They usually accomplish this in a graphical format. We provide individual asset risk in a detailed tabular numeric format. Risk versus myRisk Tyche provides two types of risk for each asset. The first one we call Risk represents the asset risk as if it is the only asset in your portfolio. The second we call myRisk, which represents the risk the asset adds to your overall portfolio. myRisk is always lower than Risk because any loss in that asset could possibly be compensated by gains in other assets in your portfolio.