FMS Bank Online Banking Mobile User Guide

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10-18-20

October 2020

Online Banking Guide

Mobile Banking. Online Instead of In Line.

Published by Murphy & Company, Inc. 13610 Barrett Office Dr

St. Louis, MO 63021 www.mcompany.com

© 2009-2020 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Malauzai Software, Inc. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

Getting Started

Welcome to Business Online Banking with FMS Bank! Whether you are at home or the office using a mobile phone, tablet or laptop, we strive to make your Online Banking experience easy and convenient. By adding powerful commercial products and features, FMS Bank provides you with the complex tools your business needs to achieve its goals. Business Online Banking shares similar features with our personal accounts, but this guide is designed to direct you through only business features. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Business Online Banking process. If you have additional questions, contact us at 970-867-3319.

Table of Contents Getting Started

Business Online Banking Overview.............................................................................3 Users........................................................................................................................................ 3 Recipients................................................................................................................................ 3 Transaction Type Overview..........................................................................................4 Business Online Banking Transaction Types...................................................................... 4 Business Banking Users Overview..............................................................................................................5 User Management Overview................................................................................................ 6 Recipient Overview........................................................................................................7 Adding a Recipient................................................................................................................. 8 ACH Only—Entering Information......................................................................................... 9 Domestic Wires Only—Receiving Bank Detail.................................................................. 11 Domestic Wires Only—Intermediary Detail...................................................................... 14 Review.................................................................................................................................... 15 Editing a Recipient.......................................................................................................16 Deleting a Recipient....................................................................................................17 Creating a Batch Payee List........................................................................................18 Creating a New Payment............................................................................................22 Create a Payment................................................................................................................. 22 Make Batch Payment........................................................................................................... 24 Tax Payment................................................................................................................27 Editing a Batch.............................................................................................................29 Deleting a Batch. .........................................................................................................30 Activity...........................................................................................................................31 Viewing, Approving or Denying a Transaction.........................................................32 Single Transaction................................................................................................................ 32

Getting Started

Business Online Banking Overview Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art If your business only needs one person with access to Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You can customize which employees get access to different features within Online Banking by establishing user system! Users

entitlements. Recipients

Recipients are people or businesses to whom you send or request money using a payment feature offered through Online Banking. After creating a profile for each recipient, you can choose the method to send them money and the respective transaction details. Each created recipient saves within the system, so you can quickly and easily make future payments.

Note : FMS Bank supports the following SEC codes CCD, PPD, WEB and TEL.

Getting Started: Business Online Banking Overview

Getting Started

Various types of payment methods are offered through Business Online Banking including wire and ACH transfers. While both methods are quick, electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions can be sent as a single or batch process, and funds are generally not available until the next business day. Please call us at 970-867-3319 for a full list of wire and ACH fees, or if you have any questions. Business Online Banking Transaction Types Transaction Type Overview

Type

Description

Upload a NACHA-formatted file.

ACH Upload

ACH Payment

Send a payment to one recipient.

ACH Batch

Send a payment to several recipients.

ACH Receipt

Initiate a payment from one recipient.

ACH Collection

Initiate a payment from several recipients.

Import a list of recipients and amounts.

ACH Import

Domestic Wire

Send a wire to a recipient within the US.

Create batches with sensitive information that will prevent additional ACH operators from seeing sensitive information. Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

Payroll/ Restricted Batch

Getting Started: Transaction Type Overview

Business Banking

Users Overview

Depending on the number of employees, owners and company policies, Business Online Banking lets you set up multiple users with different access and limits. New users can be created with their own unique login IDs and passwords. Each user is assigned a set of user entitlements that permits or prevents them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • The number of approvals that can be completed in a day or the dollar amount in a specific transaction. • Accessing specific accounts from multiple entities. • Managing recipients, users, subsidiaries and templates. Authorized users can set up the features, accounts and entitlements each user needs to do their job. Establishing these entitlements gives users permission to perform specific tasks, helping you manage your business and making it run as smoothly as possible.

Business Banking: Users Overview

User Management Overview The User Management page lets you view all your existing users in one easy place. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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In the Sidebar Menu , click Manage Users . A. View the name and email of each user. B. Use the search bar to find a particular user. C. Lock and unlock a user by clicking on the

icon.

Business Banking: Users Overview

Business Banking

A recipient is any person or company that receives payments from your business. For easy access on the Recipient Management page, you can set up individual profiles so funds can be sent to or collected from a recipient. After they are created, you can include them in multiple payments or templates. Recipient Overview

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In the Sidebar Menu , click Business Payments . A. The following information presents for each recipient: • Name 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d

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• Reference Number • Account Number • Payment Methods

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Business Banking: Recipient Overview

Adding a Recipient If you are assigned the Payee Management entitlement, you will need to set up your recipients before you can send payments. In order to add a recipient, you will need to have their contact and account information in hand.

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In the Sidebar Menu , click Business Payments . 1. Click the Add Recipients button. 2. Choose the Add Recipient button. J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 J3

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Business Banking: Recipient Overview

ACH Only—Entering Information When adding a payee who will only receive ACH payments, you will need to provide additional information for that recipient.

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11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J1 1. Check the box next to ACH. 2. Use the drop-down to select either consumer or business. 3. Enter the name. 4. (Optional) Enter the email and reference number. 5. Enter the account number. 6. Use the drop-down to select an account type. 7. Enter the ACH routing number. 8. Click the Next button. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A1 B1 C1 D1 E1 F1 G1 H1 I1 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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Business Banking: Recipient Overview

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9. Enter a company entry description. 10. Click the Next button. 11. You will receive a message saying Payee created successfully, then click the Close button. Note : The Company Entry Description is a short (10-character) description that informs the receiver of the transaction’s purpose. The receiver will be able to see this description. For example: payroll, purchase or gas bill. The value entered in this field will be used to populate the Batch Header’s Company Entry Description field in the file when initiating a single-entry transaction. This field is overwritten by the batch description if the user associates the recipient to a batch created within our system. J3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1

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Business Banking: Recipient Overview

Domestic Wires Only—Receiving Bank Detail A beneficiary financial institution is the final institution to receive funds. Depending on the transfer type you selected in Part 1, you may need to provide receiving bank information.

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First follow steps 1-2 on page 8, then: 1. Check the box next to Wire. 2. Use the drop-down to select either consumer or business. 3. Enter their name, contact name, email and reference number. Entering email and reference number is optional. 4. Enter the account number. Phone number and fax number are optional. 5. Use the drop-down to select an account type. J1 J2 J3 J1 J2 J3

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Business Banking: Recipient Overview

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6. Enter the address. 7. Enter the beneficiary financial institution’s routing number and address. 8. Click the Next button.

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Business Banking: Recipient Overview

9. Entering the Receiver DI Bank’s routing number and bank name is optional.

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Note : Incorrect receiving bank details are the main reason wire transfers get rejected. Wires are considered a final method of payment and may not be recalled if incorrect information is entered. Be sure the wiring instruction data is accurate. J1 J2

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Business Banking: Recipient Overview

Domestic Wires Only—Intermediary Detail Some financial institutions use an in-between third-party bank called an intermediary to process funds. If your receiving bank requires an intermediary, you will need the financial institution’s wire routing number and address.

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1. Check the box next to intermediary Bank. 2. Enter intermediary bank’s routing number. 3. Enter intermediary bank’s name and address. 4. Click the Next button. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 I1 J1

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Business Banking: Recipient Overview

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Review

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1. Review the information and click the Submit button when you are finished. 2. You will be presented with a message that says your Payee created successfully. Click the Close button.

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Business Banking: Recipient Overview A1 B1 C1 D1 E1 F1 G1 H1 I1

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Business Banking

Editing a Recipient

If a recipient’s account or personal information changes, an authorized user can make those necessary edits from the Business Payments page.

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In the Sidebar Menu , click Business Payments . 1. Find the recipient you want to edit, click the icon and select “View Details.” 2. Make necessary changes to the recipient information and click the Submit button.

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A1 B1 C1 D1 E1 F1 G1 H A2 B2 C2 D2 E2 F2 G2 H A3 B3 C3 D3 E3 F3 G3 H

Business Banking: Editing a Recipient

Business Banking

Deleting a Recipient If you are assigned the payee management entitlement, you have the ability to permanently delete a recipient that is no longer needed. This deletes their contact information from the Business Payments page, but does not delete them from an existing payment. To remove a recipient from a saved transaction, you must delete them from the actual transaction.

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In the Sidebar Menu , click Business Payments . 1. Find the recipient you want to edit, click the icon and select “Delete Payee.” 2. Click the Confirm button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 1a 2a 3a 4a 1b 2b 3b 4b 1c 2c 3c 4c

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Business Banking: Deleting a Recipient

Business Banking

Creating a Batch Payee List Business Online Banking allows you to create a batch payee list to make quick payments to multiple recipients. This is especially beneficial when doing payroll since you can enter multiple amounts and recipients.

In the Sidebar Menu , click Business Payments . 1. Click the Add Recipients button. 2. Click the Add Batch button. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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A2 B2 C2 D2 E2 F2 G2 H2 I2

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A3 B3 C3 D3 E3 F3 G3 H3 I3

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Business Banking: Creating a Batch Payee List

10 1 12 13 14 15 16 17 18 19 20 1 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 J L M N O P Q R S T B C D E F G H I 10 2 13 14 15 16 17 18 19 20 2 23 24 25 26 27 28 29 30 3 4 5 6 7 8 9 J L M N O P Q R S T V W X Y Z B C D E F G H I 10 3 14 15 16 17 18 19 20 3 24 25 26 27 28 29 30 4 5 6 7 8 9 J M N O P Q R S T W X Y Z C D E F G H I 10a a 2a 3a 4a 5a 6a 7a 8a 9a 10b b 2b 3b 4b 5b 6b 7b 8b 9b 10c c 2c 3c 4c 5c 6c 7c 8c 9c 10d d 2d 3d 4d 5d 6d 7d 8d 9d 10a a 3a 4a 5a 6a 7a 8a 9a 10b b 3b 4b 5b 6b 7b 8b 9b 10c c 3c 4c 5c 6c 7c 8c 9c 10d d 3d 4d 5d 6d 7d 8d 9d 10a 3a 4a 5a 6a 7a 8a 9a 10b b 4b 5b 6b 7b 8b 9b a 12a 13a 14a 15a 16a 17a 18a 19a 20a b 12b 13b 14b 15b 16b 17b 18b 19b 20b U V W X Y Z 1 B1 C1 D1 E1 F1 G1 H1 I1 2 B2 C2 D2 E2 F2 G2 H2 I2 a 13a 14a 15a 16a 17a 18a 19a 20a c 4c 5c 6c 7c 8c 9c 3 B3 C3 D3 E3 F3 G3 H3 I3 2b 13b 14b 15b 16b 17b 18b 19b 20b d 4d 5d 6d 7d 8d 9d 0c 0d J2 J3

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 11 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J2

J1 5. (Optional) Check the box if the transaction is a payroll batch. 6. Select the payment type by checking the appropriate box. 7. Click the Next button. 3. Enter the batch name and batch description. 4. Use the rop-down menu to select the batch type.

1d 2d 3d 4d 5d 6d 7d 8d

B1 C1 D1 E1 F1 G1 H1 I1 3a 14a 15a 16a 17a 18a 19a 20a

A3 B3 C3 D3 E3 F3 G3 H3 I3

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2 C2 D2 E2 F2 G2 H2 I2 3b 14b 15b 16b 17b 18b 19b 20b B3 C3 D3 E3 F3 G3 H3 I3 C1 D1 E1 F1 G1 H1 I1 J1

11b 12b 13b 14b 15b 16b 17b 18b

A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3

C2 D2 E2 F2 G2 H2 I2

C3 D3 E3 F3 G3 H3 I3

Business Banking: Creating a Batch Payee List

10 16 17 18 19 20 26 27 28 29 30 6 7 8 9 J P Q R S T Z F G H I 10a 6a 7a 8a 9a 10b 6b 7b 8b 9b 10c 6c 7c 8c 9c 10d 6d 7d 8d 9d

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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A1 B1 C1 D1 E1 F1 G1 H1 I1

J2 11 12 13 14 15 21 22 23 24 25 1 2 3 4 5 K L M N O U V W X Y A B C D E J3 1a 2a 3a 4a 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c

16a 17a 18a 19a 20a

A2 B2 C2 D2 E2 F2 G2 H2 I2

16b 17b 18b 19b 20b 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I F1 G1 H1 I1 J2 F2 G2 H2 I2 J3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

A3 B3 C3 D3 E3 F3 G3 H3 I3

J1 8. Check the appropriate boxes to add recipients to a batch. 9. Click the Next button. 10. Enter an amount to send to each recipient. 11. Click the Next button.

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11a 12a 13a 14a 15a

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 A3 B3 C3 D3 E3

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A1 B1 C1 D1 E1 F1 G1 H1 I1

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A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Creating a Batch Payee List

11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 K L M N O P U V W X Y Z A B C D E F 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c

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A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3

12. Review payment information and click the Next button. 13. Click the Close button when you are finished.

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11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Creating a Batch Payee List

Business Banking Creating a New Payment

If you are assigned ACH entitlements, you can use the Payments tab to send a one-time payment. Create a Payment You can initiate payments within Business Online Banking after establishing a payee. Creating a new payment also allows you to set up recurring payments and effective dates.

In the Sidebar Menu , click Business Payments . 1. Click the Transfer Funds button. 2. Click the Transfer button. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11 12 13 14 1 21 22 23 24 2 1 2 3 4 5 K L M N O U V W X A B C D E 1a 2a 3a 4a 5 1b 2b 3b 4b 5 1c 2c 3c 4c 5

1d 2d 3d 4d 5

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11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

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A1 B1 C1 D1 E A2 B2 C2 D2 E A3 B3 C3 D3 E

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Creating a New Payment

10 12 13 14 15 16 17 18 19 20 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 J L M N O P Q R S T V W X Y Z B C D E F G H I 10 13 14 15 16 17 18 19 20 23 24 25 26 27 28 29 30 3 4 5 6 7 8 9 J M N O P Q R S T W X Y Z C D E F G H I 10 14 15 16 17 18 19 20 24 25 26 27 28 29 30 4 5 6 7 8 9 10 15 16 17 18 19 20 5 26 27 28 29 30 5 6 7 8 9 10a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c 2c 3c 4c 5c 6c 7c 8c 9c 10d 2d 3d 4d 5d 6d 7d 8d 9d 10 16 17 18 19 20 26 27 28 29 30 6 7 8 9 10 19 20 29 30 9 10 19 20 29 30 9 10a 3a 4a 5a 6a 7a 8a 9a 10b 3b 4b 5b 6b 7b 8b 9b 10c 3c 4c 5c 6c 7c 8c 9c 10d 3d 4d 5d 6d 7d 8d 9d 10a 4a 5a 6a 7a 8a 9a 0b 4b 5b 6b 7b 8b 9b 0c 4c 5c 6c 7c 8c 9c 10d 4d 5d 6d 7d 8d 9d J N O P Q R S T X Y Z D E F G H I 10a 5a 6 7a 8a 9a 10b 5b 6 7b 8b 9b 10c 5c 6c 7c 8c 9c 10d J O P Q R S T Y Z E F G H I 12a 13a 14a 15a 16a 17a 18a 19a 20a 12b 13b 14b 15b 16b 17b 18b 19b 20b 13a 14a 15a 16a 17a 18a 19a 20a J1 B1 C1 D1 E1 F1 G1 H1 I1 13b 4b 15b 16b 17b 18b 19b 20b J2 B2 C2 D2 E2 F2 G2 H2 I2 C1 D1 E1 F1 G1 H1 I1 J P Q R S T Z F G H I 10 17 18 19 20 27 28 29 30 7 8 9 J Q R S T G H I 10 18 19 20 28 29 30 8 9 J S T I J S T I 10a 9a 10b 9b 10c 9c 10d 10a 9a 10b 9b 10c 9c 10d J1

11 12 13 14 15 21 22 23 24 25 1 2 3 4 5 K L M N O U V W X Y A B C D E 1a 2a 3a 4a 5 1b 2b 3b 4b 5 1c 2c 3c 4c 5

3. Use the drop-down to select a payee. 4. Use the drop-down to select a payment method. 5. Use the drop-down to select an offset account. 6. Use the drop-down to select an originating ID. 7. Enter a payment amount. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 16a 17a 18a 19a 20a 16b 17b 18b 19b 20b 6d 7d 8d 9d J1 F1 G1 H1 I1 J2 F2 G2 H2 I2 J3 F3 G3 H3 I3 7a 8a 9a 10b 7b 8b 9b 0c 7c 8c 9c 10d 17a 18a 19a 20a 17b 18b 19b 20b 7d 8d 9d J1 G1 H1 I1 J2 G2 H2 I2 J3 G3 H3 I3 10a 8a 9a 10b 8b 9b 0c 8c 9c 10d 18a 19a 20a 18b 19b 20b 8d 9d J1 H1 I1 J2 H2 I2 J3 H3 I3 19a 0a 19b 20b J1 I J2 I2 J3 I3 19a 20a 19b 20b 9d J1 I1 J2 I2 J3 I3 J3 C3 D3 E3 F3 G3 H3 I3 14b 15b 16b 17b 18b 19b 20b J1 D1 E1 F1 G1 H1 I1 J2 D2 E2 F2 G2 H2 I2 J3 D3 E3 F3 G3 H3 I3 15a 16a 17a 18a 19a 20a 15b 16b 17b 18b 19b 20b 5d 6 7d 8d 9d J1 E1 F1 G1 H1 I1 J2 E2 F2 G2 H2 I2 J3 E3 F3 G3 H3 I3 8. (For a wire payment) Select an effective date. 9. Use the drop-down to select a frequency. 10. For a recurring transfer: a. Choose how long the transfer should occur. b. Enter an end date or total number of transfers, if necessary. 11. Enter a memo. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 6a 7a 8a 9a 10b 6b 7b 8b 9b 10c 6c 7c 8c 9c 10d 0a J R S T H I 9d J2 C2 D2 E2 F2 G2 H2 I2 14a 15a 16a 17a 18a 19a 20a B3 C3 D3 E3 F3 G3 H3 I3

1d 2d 3d 4d 5

11a 12a 13a 14a 15

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A1 B1 C1 D1 E A2 B2 C2 D2 E A3 B3 C3 D3 E

12. Click the Submit button. 13. Click the Confirm button. A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Creating a New Payment

Make Batch Payment If you have ACH entitlements, you can create a batch payment using an established batch payment list.

In the Sidebar Menu , click Business Payments . 1. Click the Transfer Funds button. 2. Click the Batch Transfer button. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11 12 13 14 1 21 22 23 24 2 1 2 3 4 5 K L M N O U V W X A B C D E 1a 2a 3a 4a 5 1b 2b 3b 4b 5 1c 2c 3c 4c 5

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

1d 2d 3d 4d 5

A1 B1 C1 D1 E1 F1 G1 H1 I1

11a 12a 13a 14a 1

A2 B2 C2 D2 E2 F2 G2 H2 I2

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A3 B3 C3 D3 E3 F3 G3 H3 I3

A1 B1 C1 D1 E A2 B2 C2 D2 E A3 B3 C3 D3 E

Business Banking: Creating a New Payment

10 1 12 13 14 15 16 17 18 19 20 1 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 3 14 15 16 17 18 19 20 3 24 25 26 27 28 29 30 4 5 6 7 8 9 J M N O P Q R S T W X Y Z D E F G H I 10 4 15 16 17 18 19 20 4 25 26 27 28 29 30 5 6 7 8 9 10 5 16 17 18 19 20 5 6 27 28 29 30 6 7 8 9 10 18 19 20 28 29 30 8 9 J R S T H I 10 18 19 20 28 29 30 8 9 J R S T H I 10a a 2a 3a 4a 5a 6a 7a 8a 9a 10b b 2b 3b 4b 5b 6b 7b 8b 9b 10c c 2c 3c 4c 5c 6c 7c 8c 9c 10d d 2d 3d 4d 5d 6d 7d 8d 9d 10a a 4a 5a 6a 7a 8a 9a 10b b 4b 5b 6b 7b 8b 9b 10c c 4c 5c 6c 7c 8c 9c 10d d 4d 5d 6d 7d 8d 9d J N O P Q R S T X Y Z D E F G H I J O P Q R S T Y Z E F G H I 10 6 17 18 19 20 6 27 28 29 30 7 8 9 10a a 8a 9a 10b b 8b 9b 10c c 8c 9c 10d d 8d 9d 10a a 8a 9a 10b b 8b 9b 10c c 8c 9c 10d d 8d 9d 1a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1b 12b 13b 14b 15b 16b 17b 18b 19b 20b 3a 14a 15a 16a 17a 18a 19a 20a 10a a 5a 6a 7a 8a 9a 10b b 5b 6b 7b 8b 9b 10c c 5c 6c 7c 8c 9c 10d d 5d 6d 7d 8d 9d 10a a 6a 7a 8a 9a 10b b 6b 7b 8b 9b 10c c 6c 7c 8c 9c 10d d 6d 7d 8d 9d 10a a 7a 8a 9a 0b b 7b 8b 9b 10c c 7c 8c 9c 10d d 7d 8d 9d J P Q R S T Z G H I a 18a 19a 20a b 18b 19b 20b J1 1 H1 I1 J2 2 H2 I2 a 18a 19a 20a b 18b 19b 20b J1 1 H1 I1 J2 2 H2 I2 A1 B1 C1 D1 E1 F1 G1 H1 I1 b 14b 15b 16b 17b 18b 19b 20b J2 2 B2 C2 D2 E2 F2 G2 H2 I2 1 D1 E1 F1 G1 H1 I1 J3 3 B3 C3 D3 E3 F3 G3 H3 I3 2 D2 E2 F2 G2 H2 I2 4a 15a 16a 17a 18a 19a 20a J1 J2 3 D3 E3 F3 G3 H3 I3 4b 15b 16b 17b 18b 19b 20b 5a 16a 17a 18a 19a 20a J1 D1 E1 F1 G1 H1 I1 5b 16b 17b 18b 19b 20b J3 3 H3 I3

J1 11 12 13 14 15 1 21 22 23 24 25 2 1 2 3 4 5 6 1a a 3a 4a 5a 6 1b 2b 3b 4b 5b 6 1c 2c 3c 4c 5c 6 K L M N O P U V W X Y Z A B C D E F 11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 1a 2a 3a 4a 5a 6 1b 2b 3b 4b 5b 6 1c 2c 3c 4c 5c 6 K L M N O P U V W X Y Z A B C D E F 1a 2a 3a 4a 5a 6 1b 2b 3b 4b 5b 6 1c 2c 3c 4c 5c 6 11a 12a 13a 14a 15a 16 11b 12b 1 1 15b 16 A1 B1 C1 D1 E1 F A2 B C2 D2 E2 F A3 B3 C3 D3 E3 F 11a 12a 13a 14a 15a 16 11b 12b 13b 14b 15b 16 1d 2d 3d 4d 5d 6 A1 B1 C1 D1 E1 F A2 B2 C2 D2 E2 F A3 B3 C3 D3 E3 F 11a 12a 13a 14a 15a 1 11b 12b 13b 14b 15b 1 1d 2d 3d 4d 5d 6 K L M N O U V W X Y A B C D E 1d 2d 3d 4d 5d 6 A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 F A3 B3 C3 D3 E3 F 11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 J2 J3

J1 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

J3 3. Use the drop-down and select a batch. 4. To change the recipient details:

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3 J2 a. Click the box to hold all payments in this batch. b. Click a box next to a recipient to hold individual payments. c. Click the box to prenote all recipients in the batch and verify their information. d. Click the Confirm button when you are finished. 5. Use the drop-down to select an account to pay from. 6. Use the drop-down to select an originating ID. 7. Enter a date. 8. Use the drop-down to select a frequency. 9. For a recurring transfer: a. Choose how long the transfer should occur. b. Enter an end date or total number of transfers, if necessary. J3 J1 J2 J3 J1 J2 J3 J3

2 E2 F2 G2 H2 I2 1 F1 G1 H1 I1 6a 17a 18a 19a 20a 3 H3 I3 3 E3 F3 G3 H3 I3 2 F2 G2 H2 I2 6b 17b 18b 19b 20b 3 F3 G3 H3 I3 1 G1 H1 I1 2 G2 H2 I2

3 G3 H3 I3

Business Banking: Creating a New Payment

10 8 19 20 8 29 30 8 9 J R S T H I 10a 8a 9a 10b 8b 9b 10c 8c 9c 10d 8d 9d

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11 12 13 14 21 22 23 24 1 2 3 4 K L M N U V W X A B C D 1a 2a 3a 4 1b 2b 3b 4 1c 2c 3c 4

10. Enter a memo. 11. Click the Submit button. 12. Review the payment information and click the Confirm button. J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

8a 19a 20a

1d 2d 3d 4

8b 19b 20b

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11a 12a 13a 1

H1 I1

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

11b 12b 13b 14

H2 I2

A1 B1 C1 D1 E1 F1 G1 H1 I1

A1 B1 C1 D A2 B2 C2 D A3 B3 C3 D

H3 I3

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Creating a New Payment

Business Banking

Editing a Batch

You can edit the information in a batch. This changes the batch template, but does not change pending payments using that batch template.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I Delete Batch

11 12 13 14 15 16 17 18 1 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d In the Sidebar Menu , click Business Payments . 1. Click on the Batches tab. 2. Find the batch you want to edit, click the icon and select “View Details.” 3. Follow the steps on page 19 to edit the batch. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

1d 2d 3d 4d 5d 6d 7d 8d

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

11a 12a 13a 14a 15a 16a 17a 18a

A1 B1 C1 D1 E1 F1 G1 H1 I1

11b 12b 13b 14b 15b 16b 17b 18b

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Editing a Batch

Business Banking

Deleting a Batch

You can delete a batch that is no longer needed. This deletes the batch template, but does not erase pending payments using that batch template.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I Delete Batch

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 K L M N O P U V W X Y Z A B C D E F 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d In the Sidebar Menu , click Business Payments . 1. Click on the Batches tab. 2. Find the batch you want to edit, click the icon and select “Delete Batch.” 3. Click the Confirm button when you are finished. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

1d 2d 3d 4d 5d 6d

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11a 12a 13a 14a 15a 16a

A1 B1 C1 D1 E1 F1 G1 H1 I1

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

11b 12b 13b 14b 15b 16b

A2 B2 C2 D2 E2 F2 G2 H2 I2

A1 B1 C1 D1 E1 F1 G1 H1 I1

J2 A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3 J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Deleting a Batch

Business Banking

Activity All transactions initiated through Business Online Banking or through our app appear in the Activity tab. Here you can view additional details for all of your transactions.

11 12 13 14 15 16 17 18 1 21 22 23 24 25 26 27 28 2 1 2 3 4 5 6 7 8 9 K L M N O P Q R U V W X Y Z A B C D E F G H 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c K L M N O P Q U V W X Y Z A B C D E F G 1a 2a 3a 4a 5a 6a 7a 8a 9 1b 2b 3b 4b 5b 6b 7b 8b 9 1c 2c 3c 4c 5c 6c 7c 8c 9 1d 2d 3d 4d 5d 6d 7d

In the Sidebar Menu , click Business Payments . 1. Click on the Activity tab. 2. Click on the icon and select “View Details.”

1d 2d 3d 4d 5d 6d 7d 8d 11a 12a 13a 14a 15a 16a 17a

11a 12a 13a 14a 15a 16a 17a 18a 1 11b 12b 13b 14b 15b 16b 17b

11b 12b 13b 14b 15b 16b 17b 18b 1 A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3

Business Banking: Activity

Business Banking

Viewing, Approving or Denying a Transaction Authorized users can view, approve or deny certain payments within the Business Approvals feature. If a payment has processed and cleared, you cannot make changes to that transaction. Single Transaction You can easily approve or cancel a specific transaction through the Activity tab.

10 1 12 13 14 15 16 17 18 19 20 21 22 2 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 1a 2a 3a 4a 5a 6a 7a 8a 9a 10 1b 2b 3b 4b 5b 6b 7b 8b 9b 10 1c 2c 3c 4c 5c 6c 7c 8c 9c 10 1d 2d 3d 4d 5d 6d 7d 8d 9d

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

In the Sidebar Menu , click Business Approvals . 1. Locate the transaction you would like to approve or cancel. 2. Click the icon and select “View Details.” J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

11a 12a 13a 14a 15a 16a 17a 18a 19a 2

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 2

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

J1 J A1 B1 C1 D1 E1 F1 G1 H1 I1 J A2 B2 C2 D2 E2 F2 G2 H2 I2 J A3 B3 C3 D3 E3 F3 G3 H3 I3 J2 J3

A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

BusinessBanking:Viewing,ApprovingorDenyingaTransaction

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