There has never been an easier way to tap into Eastman CreditUnion!Our mobile application provides fast and secure access toall youraccounts - right in the palm of your hand. Need totransfer money tocover a purchase? You got it. Looking for theclosest branch or ATMto your current location? Done. Or maybe youjust remembered thatyou forgot to pay your water bill before youleft on vacation. Not aproblem. All this and more is just a tapaway. ECU MobileApplication Features: *Check account balances,view recenttransactions and transfer money between accounts *UsePaymentManager (Bill Pay) to pay bills, view pending payments andview billpayment history *Locate the nearest Eastman Credit Unionbranch orATM *Locate one of 43,000 surcharge-free Allpoint ATMs*Safe, secureand fast Note: To use Eastman Credit Union’s mobileapplication, youwill first need to enroll in ECU Online Banking.Visit ecu.org orcontact a member service representative at800.999.2328 to gaininstant access. Federally insured by NCUA. Tolearn how we protectyour privacy, please visithttps://www.ecu.org/privacypolicy

Access your policies 24/7! Manage payments, view claim statusandmore with Customer Center. • Pay your bills • Set up andmanageautomatic payments • Submit a road trouble service request •Checkclaims status, view documents and history • View yourinsurance IDcards and policy documents • Manage document deliveryoptions, suchas going paperless • Easily enter your monthly reportfor dealer’sblanket or builders risk policies

Your voice matters

With the RFCU Mobile Banking app, you can check youravailablebalances, view transaction history, transfer fundsbetweenaccounts, pay your bills, contact your local branch and findATMand branches in your area. 24/7 access to your accounts on thego!Not yet available for Android tablet. To learn how we protectyourprivacy, pleasevisithttp://www.rfcu.com/home/online/security/privacy

Wildland fire weather observation calculationand archiving tool.*** The new version of the Fire Weather Calculator includesANONYMOUS sharing of weather observations with researchers at theUniversity of Montana. The anonymous observations will be used tosupport research in weather prediction, analysis, and contentdisplay. Data shared with UM will only contain data fields from theapp (photos are excluded) and a device ID (to differentiate betweenusers). No personal information is shared. We ask that you "opt-in"to anonymous sharing in order to support these research projects.Anonymous sharing can be changed any time in the "Settings" page ofthe app. Thank you! ***This application allows quick calculation of RH, Fine Dead FuelMoisture (FDFM), and Probability of Ignition (PIG) based onstandard fire line weather observations.The app also provides means of archiving AND sharing thoseobservations through other core Android functionality such asemail, Dropbox, and Google Drive.Partial form submissions are allowed (and can be archived andshared), but entire form must be filled in to calculate FDFM andPIG.Bulk submission of multiple observations are now done on firstpage of app.This is a beta release. Please forward questions to email listedbelow.Developed by The National Center for Landscape Fire Analysis,College of Forestry and Conservation, University of Montana.* For tips and hints, please visit our blog:http://firecenter.umt.edu/content/android-app-weather-calculator-tips

Marinus ColRegs is not one more app of thenavigation rules… is the APP of the navigation rules!Designed by and for the maritime and nautical people, that resolveyour doubts in any moment and anywhere. Is the app indispensableonboard of your sail or power boat!Include the next sections:• Flags: with every letter and significant.• Meteo: Beaufort and Douglas scale, and clouds.• Sonuds• Lights: with a detail view of every vessel in every angle.• Day shapes• Maneuvers• Morse• Buoys IALA• Radio• ColRegs: all the International Regulation for PreventingCollsions at Sea (IRPCS, Rules of the road, Collision rules) intext.• Quiz• MapDownload the app that miles of people use very day in theiriPhone. No matter if you are an experienced sailor or a novice,this is your app!Any question feel you free to ask to [email protected]

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Smart Access for Apartment Living

*** Manage Your Loans Your Way ***Manage your loans no matter where you are. Your information issecure with our identity confirmation process and robust encryptiontechnology.- Make or schedule student loan payments of any amount- View account details like your balance, interest, lender, status,and payment history- Receive payment reminders and confirmations- Use an existing payment account or create and store a newone- Allocate any excess payment amounts to a specific loan or loansin an account- Send your proof of income documents for income-driven repaymentplan requestsYou can sign up for Great Lakes account access in app if you needto; no need to visit our website to get started managing your loanswith us.*** Tell Us What You Think ***How can we improve your mobile experience? Rate our app, or sendfeedback to [email protected].

The Morgan Stanley Wealth Management mobileapplication is the only mobile solution designed exclusively forMorgan Stanley Wealth Management clients. It provides anyone with avalid Morgan Stanley Online login the ability to:• Access their Morgan Stanley accounts, including balances,holdings and recent activity.• Deposit checks from anywhere in the U.S. using our cutting-edgeimaging technology without having to mail or bring them to abranch*.• View upcoming bills and make one-time or recurringpayments.• Transfer funds between Morgan Stanley brokerage accounts, as wellas to and from accounts held at other financial institutions.• Browse current market indices, news, company profiles and stockquotes.With access to your accounts and to the right information whenand where you need it, you can work with your Financial Advisor tomake informed decisions and manage your finances on your own terms.It’s the latest way we can assure our clients that we’re behind youall the way.There is no charge to download the application. If you do notyet have a Morgan Stanley Online account set up, please go tohttp://www.morganstanley.com/online. Standardmessaging and data rates from your provider may apply.* Subject to certain terms and conditions.Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is aregistered Broker/Dealer, Member SIPC, and not a bank.Investment, insurance and other products offered through MorganStanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE |NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANYFEDERAL GOVERNMENT AGENCY© 2015 Morgan Stanley Smith Barney LLC. Member SIPC.CRC1159940 4/15

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