Enjoy Delightful, Secured and Convenient mobile banking experience with our newly upgraded Mfukoni app. New Features: -Card services management: Credit & Debit -ISO 20022 enhancements Bugs fixes and user experience improvements.

-Dormant accounts self-reactivation -Security enhancements -Improved user experiences -Forex Rates -Bug fixes

New feature -Card Self-Services, empowering customers with full control over their SBM Multicurrency Prepaid card. You can now; Activate New cards Set PIN Reset PIN Control transaction limits View balances and statements Load cards via M-Pesa Transfer funds to accounts, prepaid cards, and mobile wallets. Block or deactivate cards instantly across POS, ATM, online, and international channels

Security enhancements, bug fixes and introduction of instant Pay Day Salary Advance Instantly access upto 50% of your monthly net salary on Mfukoni and enjoy convenience whenever you need an advance to meet your needs

Security enhancements, bug fixes and introduction of new service features: -E-Citizen Bill Payments -USD Currency High Interest Platinum Saver -Standing Order for Scheduled regular payments -Self-Registration for mobile banking

Security enhancements, bug fixes and introduction of new service features: - Biometrics Login - Platinum Saver Accounts - Fixed Deposits: Open, view and generate advice slip - Account Details: Loans, Fixed Deposits & Overdrafts - CBK Mandatory Fields for Local RTGs bank transfers i.e. Purpose Code and Town Name

Introduction of a new service : PESALINK. PesaLink is an instant money transfer service within Kenya for local bank accounts. It is a real time 24-hour Digital money transfer and payment solution that is easy to use, fast, convenient, secure, and affordable. PesaLink is available 24Hrs, 365 Days a year on SBM bank Online Banking and Mobile App Mfukoni. Instantly send money from one local bank account to another local bank account.

Introduction of a new service : PESALINK. PesaLink is an instant money transfer service within Kenya for local bank accounts. It is a real time 24-hour Digital money transfer and payment solution that is easy to use, fast, convenient, secure, and affordable. PesaLink is available 24Hrs, 365 Days a year on SBM bank Online Banking and Mobile App Mfukoni. Instantly send money from one local bank account to another local bank account.

Security improvements

Security improvements

Security improvements

New delightful user interface, secured and improved experience. Mobile banking anywhere and anytime for a smarter tomorrow. Banking made simpler through Mfukoni. You can do your banking from anywhere and anytime right from your Apple™ device. To get started, download the Mfukoni App and follow the prompts to either enroll by self-registering or to login to the new Mfukoni. With the newly upgraded version of Mfukoni, you can now experience the following; • Easier layout and navigation Simple navigation between accounts Automatic display of last 5 transactions for the selected account Shortcut menus for most commonly used services e.g. MPESA, Paybill, Buy Airtime Easy navigation by scrolling right/left and up/down • Personalization By adding your photo By setting a theme Recommending the application to a friend • Convenience by, Being able to pick contacts from your phonebook (for MPESA and airtime transactions) By easily resetting and changing your PIN By being able to request for products and services directly e.g. additional bank accounts Other functionalities include; • Manage Your Account View account balances and transaction history • Perform Transactions Pay bills –Kenya Power Prepaid token purchase, KRA Tax Payment Money Transfer between SBM Bank accounts and other Bank accounts Send and deposit money to and from MPESA Purchase Airtime from Safaricom, Airtel and Telkom • Locate SBM Locate the nearest SBM Bank branches and ATMs Notes on Permissions: • Location permissions are needed to determine your current location in order to find SBM bank branches and ATMs near you. • Read Contact permissions are needed to access your contacts to send money via Mfukoni • Camera permissions are needed to deposit checks via Mfukoni. • Photo/Media/Files permissions are needed to pick profile pictures. Disclosure: Some features are available for eligible customers and accounts only. There is no charge for downloading Mfukoni, but data rates may apply. Delivery of account alerts may be delayed for various reasons, including service outages affecting your mobile device, wireless or internet provider; technology failures; and system capacity limitations.

New delightful user interface, secured and improved experience. Mobile banking anywhere and anytime for a smarter tomorrow. Banking made simpler through Mfukoni. You can do your banking from anywhere and anytime right from your Apple™ device. To get started, download the Mfukoni App and follow the prompts to either enroll by self-registering or to login to the new Mfukoni. With the newly upgraded version of Mfukoni, you can now experience the following; • Easier layout and navigation Simple navigation between accounts Automatic display of last 5 transactions for the selected account Shortcut menus for most commonly used services e.g. MPESA, Paybill, Buy Airtime Easy navigation by scrolling right/left and up/down • Personalization By adding your photo By setting a theme Recommending the application to a friend • Convenience by, Being able to pick contacts from your phonebook (for MPESA and airtime transactions) By easily resetting and changing your PIN By being able to request for products and services directly e.g. additional bank accounts Other functionalities include; • Manage Your Account View account balances and transaction history • Perform Transactions Pay bills –Kenya Power Prepaid token purchase, KRA Tax Payment Money Transfer between SBM Bank accounts and other Bank accounts Send and deposit money to and from MPESA Purchase Airtime from Safaricom, Airtel and Telkom • Locate SBM Locate the nearest SBM Bank branches and ATMs Notes on Permissions: • Location permissions are needed to determine your current location in order to find SBM bank branches and ATMs near you. • Read Contact permissions are needed to access your contacts to send money via Mfukoni • Camera permissions are needed to deposit checks via Mfukoni. • Photo/Media/Files permissions are needed to pick profile pictures. Disclosure: Some features are available for eligible customers and accounts only. There is no charge for downloading Mfukoni, but data rates may apply. Delivery of account alerts may be delayed for various reasons, including service outages affecting your mobile device, wireless or internet provider; technology failures; and system capacity limitations.

Mobile banking anywhere and anytime for a smarter tomorrow. Banking made simpler through Mfukoni. You can do your banking from anywhere and anytime right from your Apple™ device. To get started, download the Mfukoni App and follow the prompts to either enroll by self-registering or to login to the new Mfukoni. With the newly upgraded version of Mfukoni, you can now experience the following; • Easier layout and navigation Simple navigation between accounts Automatic display of last 5 transactions for the selected account Shortcut menus for most commonly used services e.g. MPESA, Paybill, Buy Airtime Easy navigation by scrolling right/left and up/down • Personalization By adding your photo By setting a theme Recommending the application to a friend • Convenience by, Being able to pick contacts from your phonebook (for MPESA and airtime transactions) By easily resetting and changing your PIN By being able to request for products and services directly e.g. additional bank accounts Other functionalities include; • Manage Your Account View account balances and transaction history • Perform Transactions Pay bills –Kenya Power Prepaid token purchase, KRA Tax Payment Money Transfer between SBM Bank accounts and other Bank accounts Send and deposit money to and from MPESA Purchase Airtime from Safaricom, Airtel and Telkom • Locate SBM Locate the nearest SBM Bank branches and ATMs Notes on Permissions: • Location permissions are needed to determine your current location in order to find SBM bank branches and ATMs near you. • Read Contact permissions are needed to access your contacts to send money via Mfukoni • Camera permissions are needed to deposit checks via Mfukoni. • Photo/Media/Files permissions are needed to pick profile pictures. Disclosure: Some features are available for eligible customers and accounts only. There is no charge for downloading Mfukoni, but data rates may apply. Delivery of account alerts may be delayed for various reasons, including service outages affecting your mobile device, wireless or internet provider; technology failures; and system capacity limitations.

Bug Fixes and Security Enhancement

App Security fix and notification.

New Pay Merchant feature (Send to Paybill, Till and Other Banks from your account) App fixes and improvements.

1. Secure Mfukoni New Installation Activation One Time Password (OTP). 2. Minor UX improvements and fixes. 3. Better and improved App security and experience.

1. Secure Mfukoni New Installation Activation One Time Password (OTP). 2. Minor UX improvements and fixes. 3. Better and improved App security and experience.

1. Secure Mfukoni New Installation Activation One Time Password (OTP). 2. SBM Giving Back to U campaign 3. KRA Bill Payment 4. Minor UX improvements and fixes. 5. Better and improved App experience.

1. Secure Activation OTP SMS. 2. Minor UX improvements and fixes. 3. Better and improved App experience. 4. SBM Giving Back to U campaign

1. Secure Activation OTP SMS. 2. Minor UX improvements and fixes. 3. Better and improved App experience. 4. SBM Giving Back to U campaign

1. UPI Debit and Prepaid Cards Application 2. Minor UX improvements and app access fixes. 3. Better and improved App experience.

1. UPI Debit and Prepaid Cards Application 2. Minor UX improvements and app access fixes. 3. Better and improved App experience.

Improved Payment functionality. Better and improved App experience. Minor UI improvements and fixes. Update of Branches, ATM and Agents information.