"What's Changing" Summary

What’s changing? | Wires

Wire Limits Current State —Users can currently be granted the following Wire limits: 1. M aximum Amount: Per Transaction,

Wire Cut Off Times Current State —The current Wire cutoff time is 3:00 p.m. CST. In ANB Go Business —The new Wire cutoff time will be 3:45 p.m. CST. Domestic and International Limits Current State —Limits are set individually for Domestic Wires and International Wires. In ANB Go Business —Your Wire limits in ANB Go Business will be the minimum of your Domestic Wire and International Wire limits. If you would like to raise your Wire limit in ANB Go Business, please contact American National Bank. Utilized Limits Current State —Daily and monthly Wire limits are currently utilized. In ANB Go Business —Daily Wire limits will be utilized. Monthly Wire limits will no longer be utilized in ANB Go Business. Daily limits will be attached to ACH Company IDs. If you have the Payroll ACH service, your Payroll daily limit will be attached to an ACH Company ID with a “1” in front of your Tax Identification Number. If you have the Single Payment, Payments Batch, or Tax Payment ACH service, your Single Payment, Payments Batch and Tax Payment daily limits will be combined and attached to an ACH Company ID with a “2” in front of your Tax Identification Number. If you have the Single Receipt or Receipt Batch ACH service, your Single Receipt and Receipt Batch daily limits will be combined and attached to an ACH Company ID with a “3” in front of your Tax Identification Number. If you have the ACH Pass-Thru ACH service, your ACH Pass-Thru daily limit will be attached to an ACH Company ID with a “4” in front of your Tax Identification Number. Daily Limits Current State —Wire transactions are calculated against daily limits based on the date they were created. In ANB Go Business —Wire transactions are calculated against daily limits based on the date they are effective.

Per Account Per Day, Per Day, Per Month 2. Maximum Count: Per Account Per Day, Per Day, Per Month

In ANB Go Business —Users can be granted the following Wire limits within ANB Go Business: Entry/Transaction, Entry/Day, Approval/Transaction, Approval/Day User Access Current State —Users can be granted access to only view their own Wire transactions. In ANB Go Business —If a user can draft or approve Domestic Wires or International Wires, they will have access to see all Wire transactions initiated in ANB Go Business. Payees Current State —Wires are originated via a new payment, new template or an available template in the “Payments” section under the Commercial menu option. In ANB Go Business —Wires payees will need to be created prior to creating a Wire. Payees are created in the Payee Directory. Once created, Wires are originated through the Payment Center. Step-by-step instructions are available in the user guide. Templates Current State —Wire templates can be saved for repeated use. In ANB Go Business —Templates are not available in ANB Go Business. However, a Payee Directory is available. Existing template recipients have been converted to payees in the Payee Directory. You will need to review your payees and ensure they are categorized appropriately as “Business” or “Individual.”

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