emobile Banking emobile Web Banking Requirements Enrolling through Online Banking

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2 emobile Banking emobile Banking refers to the use of a mobile device to perform online banking tasks such as monitoring account balances, transferring funds between accounts, making epay payments and locating an ATM. If you have a phone with only texting abilities, you can enroll into our emobile Text Banking. If you have a web based phone you can enroll into our emobile Web Banking and/or our emobile Text Banking. Requirements There are just two requirements that need to be met before you are able to use emobile Banking: 1. You must have an online banking account. If you would like to enroll for online banking, you may click on enroll on our home page, or you may contact a customer service representative at any of our branch locations and request online banking. 2. You must enroll into emobile Banking & accept the terms and conditions. emobile Banking can be enabled through your online banking account, or through your mobile device. Please read on for instructions on enabling emobile Banking. emobile Web Banking Enrolling through Online Banking Step 1: Login to online banking at Step 2: Select eoptions > emobile Settings > emobile Web Banking.

3 Step 3: Select to enable web access, select yes/no to receive text message alerts, enter mobile phone number, select mobile provider, select accounts to access via web. Click Submit. Step 4: Review enrollment information. Check I accept these full terms and conditions. Click Confirm. Step 5: A confirmation screen displays confirming enrollment. If text alerts have been chosen in the previous step, the end user receives a confirmation text message that includes the URL to access Mobile Web.

4 Enrolling with a Mobile Device Who can enroll with a mobile device? Users who have previously logged into Users with a NetTeller ID in an ACTIVE status Users who are not in the middle of a password reset or have an expired password Step 1: Users can enroll for emobile Banking with their mobile device two different ways. a) Navigate to the emobile Banking site: and enter NetTeller ID and Password. b) Download our App from the Apple Store or Google Play for your Android or Apple device and login using your NetTeller ID and Password. Search for American Bank of the North emobile from the Apple Store or Google Play to download our app! Login Screen Step 2: Accept terms and conditions by clicking the checkbox next to I Agree. Click Next to continue. Accepting the terms

5 Step 3: a) Choose whether to receive transfer and payment confirmations via text message. b) Enter mobile device number. This does not have to be the same number as the phone being used. c) Select the wireless provider for the phone number. d) Click Enroll Now to complete the self-enrollment. Self-enrollment enrolls ALL NetTeller accounts in emobile Banking. Customers can login to traditional NetTeller to unselect accounts, unenroll, or make changes to their enrollment text preferences. You are now enrolled and ready to use emobile Banking!

6 How to Login You now have three different ways to login on your mobile device: American Bank of the North emobile App 1. Login via Enter your User ID and Password to login via traditional online banking. Please refer to our Online Education Center for educational videos pertaining to our online banking! 2. Login via Enter you American Bank ID, click Submit, then enter you Password to login via the emobile Banking classic view. 3. Login via the American Bank App Find the American Bank of the North emobile App on your mobile device. Login using your American Bank ID and Password. AmericanBk

7 Please continue reading for more details about classic view ( and our App. If you are an ipad user using the App, please refer to the ipad Users Guide for further instruction. Login Page Login: Directs user to the Login screen. Locations: Allows searches for branch/atm locations or view all branches/atms. Locations Click Show All Locations to see a listing of all branches and ATMs. You can search for locations by ZIP code, street name, city or state. When you select All Locations, you can narrow your search by choosing to view branch locations or locations with an ATM.

8 In classic view four locations display at a time. Click Next to advance through the list. If you are using the App, you can scroll their browsers to see all locations. Transactions Select My Accounts from the Main Menu.

9 From the list of accounts select which account you want to view. A summary screen with your Account Balance displays. Select an account for transaction details. The past 30 days will be available to view. Transfers Select Transfer from the Main Menu.

10 Choose the account to transfer funds From, To and the Transfer Amount. You have the ability to select a Transfer Date when using the App. Click Submit. A confirmation message and number displays after the transfer is complete. A text message will also be sent to confirm the transfer (if this option is enabled).

11 epay Select epay from the Main Menu. Select the Payee. Select the account you want to pay the bill from. Enter amounts in the dollars and cents fields. You have the option to select a future date when using the App. Select Submit. (You must login via traditional online banking to create a new payee.) A confirmation message displays after the bill payment is complete.

12 A Text Message is sent to confirm the payment if text alerts have been enabled. Alerts Select View Alerts from the Main Menu. A list of your current alerts displays. Click on the alert for more detail.

13 emobile Text Banking Enrolling for emobile Text Banking Enrolling for text banking must be done through the traditional Online Banking website. Step 1: Login to online banking through Step 2: Select eoptions > emobile Settings > emobile Text Banking. Step 3: Enter mobile phone number, select accounts to access via text, and create Mobile Short Name for each selected account. Click Submit. Mobile Short Name is the name included in the text to request information for a specific account. Example: Texting Bal to returns the balance of all accounts. Texting Bal Checking to returns only the balance of the account with Checking as the mobile short name. Mobile Short Name. These fields must be filled in.

14 Step 4: Review enrollment information. Check I accept these full terms and conditions and click Confirm. Step 5: Text the validation code provided on the confirmation screen to to complete the enrollment process.

15 Step 6: Once you text the validation code you will receive your enrollment confirmation. Now you can begin sending text requests to phone number to receive your balance or history. History only displays the last 4 transactions. History Inquiry Balance Inquiry If you have any questions, comments, or suggestions about any of our products and services, contact us today! We can be reached in many ways: Visit one of our branches Call any branch location Send a letter to any branch location Click on Contact Us from our American Bank website Send a secure message through your online banking account We look forward to hearing from you!

16 Frequently Asked Questions Q. Why does it say that my User ID or Password is invalid? I know it s correct! A. If it s been 6 months since your password was last changed, it may have expired. Please login via traditional online banking to change your password. If you are still receiving that message, please contact a customer service representative at any bank location for assistance. Q. What functions can I perform from my mobile device? A. You can: View Transaction History View Account Balances Transfer Funds between accounts Pay Bills to existing Payees View Alerts Deposit Checks (must enroll for this feature) Q. How do I know if my transfer or epay payment was entered successfully? A. If you have selected to receive text alerts, each time you make a transfer or bill payment, a confirmation text message is sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via traditional online banking and navigating to your scheduled transfers or epayments. Q. What if I no longer want to be a mobile user? A. Login to online banking: eoptions > emobile Settings > Deselect Enable emobile Banking Access > Click Submit. Q. What happens if I lose my mobile device? A. Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your emobile Settings and make any changes to the Wireless Provider and/or Phone Number. Q. Why can t I add a new payee? A. Functionality is limited to sending payments to already established payees. To add a new payee, login via traditional online banking, select epay, and add a new payee. You can then submit payments to that payee via your mobile device. Q. What happens if I lose communication/signal during a transaction? A. When you complete a transaction from your mobile device (epay payment, funds transfer, etc.) you will receive a text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts via traditional online banking and re-submit any transactions that did not process. Q. What do I need to do if I get a new phone? A. If you simply get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, login to your online

17 banking account via a web browser and update your information on the eoptions > emobile Settings page. You will not receive text messages regarding emobile Banking transactions if your phone number is not correct. Q. How can I search for a transaction? A. You will be able to see the past 30 days of transactions. You can only view the last 4 transactions on your mobile device through emobile Text. There is not a search feature. Q. Can I use any mobile device to access my accounts? A. Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic for emobile Web Banking. Text messages will be sent to the phone number entered when enrolling for emobile Banking, not necessarily the device from which you perform a transaction. Any mobile device that has text messaging can enroll for emobile Text Banking. Q. How do I delete an epay payment that I set up through my mobile device? A. You must login to the traditional online banking site and delete the payment from the main menu of the epay module. Q. When I try to enter an amount for epay or transfer, I can t enter any numbers, only letters. Why? A. Check your phone s settings to make sure you don t have Alpha-only enabled on the keypad. Q. What if I can t get my mobile device to work with online banking? A. There are a number of reasons that you may experience trouble accessing the mobile version of internet banking on your phone. To use the mobile version, your phone needs to meet the following minimum requirements: Your mobile device must be web enabled. Your mobile network must allow secure SSL traffic.