1. Sprig ON-LINE by CO-OP

2.  Virtual CU that enables members to conveniently access their accounts  Offers account aggregation  Real time access to members account – online, text, and mobile What is Sprig?

3.  24/7 access  Provides service to members traveling or that have relocated  Offers continuous service to members during emergencies Benefits of Sprig…

4.  Ease of convenience accessing all of their participating credit union relationships from one app  Enrolled members have three different access options  Online  Text banking  Mobile apps (iPhone and Android) Member Benefits …

5.  Ability to transfer funds to other accounts in real-time  Easy access to manage money and set savings goals  Ability to remotely deposit checks via mobile device  Safe and secure access channel  Self-service provides the member control = total money management Member Benefits …

6. Sprig Features by Access Options FeaturesOnline AccessMobile AppText CU Account AggregationXXX Enroll & Add AccountsXX Balance InquiryXXX Transaction HistoryXXX Transfer between Accounts (me to me) at same or different CU Person to Person (P2P) Payment - in and out of networkXX Setup Recurring TransferXX Savings Goal (and related transfers)X Deposit checks (iPhone and Android)X

7.  Balance Inquiries  Statement history – last 10 transactions  Member choose between date range, number of transactions, or number of days  Transfers between member’s sub-accounts within same CU  Daily limit - $5,000  Monthly limit - $25,000 (includes P2P) Sprig Transactions

8.  Check deposits – iPhone and Android  Daily limit - $1,500  Monthly limit - $5,000  10 transaction limit per month  Payments to Anyone (P2P)  Daily limit - $1,500  Monthly limit - $5,000  10 transactions per month limit Sprig Transactions

9.  Set up recurring transfers/payments  Daily, weekly, monthly, or number of transfers  Set up savings goal  Enroll and add accounts to their wallet Sprig Transactions

10.  Change login email  User name minimum of 6 characters, alphanumeric and special characters allowed, with no maximum  Change password  Change security questions  Create alias emails and mobile number for P2P Sprig Transactions

11.  www.getsprig.com www.getsprig.com Sprig Online

15.  Sprig mobile app and online website adhere to federally regulated audit standards  Multi-factor authentication is also adhered to when members login for future use  Member non-public personal information, such as social security number, is not stored  Sprig does not retain any information about end user that is not necessary  Member may opt out at any time Sprig Security

16.  Member has access to all three options, member chooses which they want to use Sprig Enrollment

17.  Transfers use a real time, good funds model, and are initiated by the CU member in Sprig  Transfers processed through NGN or PayNet are considered in-network  Post real time and settle the next business day  Transfers out of network will settle via ACH  Sent using email address or mobile phone number  Posting and settlement process commences once recipient completes the acceptance of funds Sprig Transactions

18.  Person to Person (P2P)  If recipient is not a registered Sprig use, the recipient must pick up the funds and direct payment to their account  Funds deposited back to members account  Payment is cancelled by sender  Payment is not picked up within 15 days  Payment is rejected by the recipients CU Sprig Transactions

19.  Member may terminate at any time  CU must block member from Sprig and Shared Branching if found to have committed or attempted to commit fraud using either channel  If fraud activity is suspected, Sprig will block access and notify CU Sprig Termination

20.  If member contacts CU to question or dispute transaction  CU should contact Sprig support prior to adjusting members account to verify correction is not already in process Sprig Transaction Disputes

21.  Error resolution may be required:  Member transfers an incorrect amount  Funds were sent to an unintended individual and have already been posted  Member suspects a fraudulent payment not initiated by them  Member must complete Addidavit of Erroneous Sprig Transaction Sprig Error Resolution

22.  Sprig Support for members  866-698-8896  24/7 support  sprigsupport@co-opfs.org or emails can be sent through the web or mobile app sprigsupport@co-opfs.org  Monday – Friday 8:30 a.m. – 5:00 p.m. PT Sprig Contact Information