CBT Mobile Banking 8.0.8

Managing your finances on the go has never been easier with the CB&T Mobile Banking app¹. Here are some key features:

• Easy-to-navigate display for managing finances
• Quick transfers and payments
• Ability to pay single or multiple recipients at once
• Send, request, and receive money with Zelle^®2
• Deposit checks using Mobile Deposit^*4
• Submit Wire Transfers^{3, 4} and view transfer history
• Select from 40+ personalized alerts
• Dispute transactions and place stop payments
• Export transactions to PDF
• Find CB&T branches and ATMs easily

In addition, the app offers specific features for different types of users:

Bill Pay (Personal):

• Pay eBills conveniently
• Easily make quick payments
• Create one-time and recurring payments

Bill Pay (Business)⁴:

• Rapidly make payments to existing payees
• Create one-time payments as needed
• Cancel scheduled payments if necessary

ACH Direct Deposit (Business)^{3, 4}:

• Send, edit, or cancel single or recurring payments
• Add or edit ACH payees easily
• Review payment history conveniently

User Management (Business)⁵:

• Add or edit users/entitlements
• Reset passwords and manage other user-related tasks

Dual Authorization (Business)⁶:

• Submit transaction approvals prior to cutoff

For enhanced security, the app provides:

• Biometric authentication for supported devices
• Multi-factor authentication for added protection
• Security alerts that can be set up and managed
• Secure messaging capabilities for communication

To use the app, you must:

1. Have a deposit, loan, line of credit, or credit card account with CB&T
2. Have a compatible mobile device and a U.S. phone number
3. Be connected to Wi-Fi or a mobile internet data service^**

If you have any comments or questions, you can email us at MobileBankingCustomerSupport@zionsbancorp.com.

^**Message and data rates may apply. Please check with your carrier for details.

Note:

1. Mobile Banking requires enrollment in Digital Banking. Fees may apply. Please refer to the applicable Rate and Fee Schedule for more information.

2. Zelle^® requires a U.S. checking or savings account. Transactions between enrolled users typically occur within minutes. Standard text and data rates may apply. Available services are subject to change without notice.

3. Wire Transfers and ACH Direct Deposit require enrollment in each service. Please see the Personal or Business Schedule of Fees for associated fees.

4. Some features mentioned above may only be available to business users with appropriate entitlements.

5. User Management and certain administrative capabilities are restricted to Customer System Administrators (CSAs) on the business profile. Other conditions may apply, such as enrollment in Dual Authorization. Please refer to the Digital Banking Service Agreement for more information.

6. Approvals are currently applicable for businesses enrolled in Dual Authorization, where two business users are required to complete certain transactions (one initiator and one approver).