Five Star Bank Digital Banking Corporate Banking User Guide

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Insurance and investment products and services are not FDIC Insured, are not a deposit or bank guaranteed, are not insured by any Federal governmental agency, and are subject to investment risks, including possible loss of the principal invested. Insurance products may be provided by SDN Insurance Agency, LLC, an affiliate of Five Star Bank. Investment products may be provided by Courier Capital, LLC, or HNP Capital, LLC, affiliates of Five Star Bank.

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Five Star Bank, Member FDIC

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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.

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Getting Started

Welcome to Corporate Digital Banking with Five Star Bank! Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your Digital Banking experience easy and convenient. By adding powerful commercial products and features, Five Star Bank provides you with the complex tools your business needs to achieve its goals. Although our Corporate Digital Banking shares similar features with our personal accounts, this guide is meant to help 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 online banking process. If you have additional questions, contact us at 1-877-226-5578.

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Table of Contents Getting Started

Corporate Digital Banking Overview...........................................................................7 Users........................................................................................................................................ 7 Subsidiaries............................................................................................................................. 7 Recipients................................................................................................................................ 7 Corporate Digital Banking Transaction Types . .................................................................. 8 New User Enrollment....................................................................................................9 Logging In.....................................................................................................................11 Logging Off............................................................................................................................ 11 Corporate Editing Company Policy..............................................................................................12 Part 1 of 9: Choosing a Transaction to Edit in Company Policy...................................... 12 Part 2 of 9: Choosing the Maximum Draft Amount. ........................................................ 13 Part 3 of 9: Choosing the Number of Approvals . ............................................................ 14 Part 4 of 9: Choosing the Subsidiaries............................................................................... 14 Part 6 of 9: Choosing the Drafting Hours.......................................................................... 15 Part 5 of 9: Choosing the Accounts.................................................................................... 15 Part 7 of 9: Choosing the Location..................................................................................... 16 Part 8 of 9: Choosing the IP Address.................................................................................. 16 Part 9 of 9: Choosing the SEC Code. .................................................................................. 17 Approval Limits..................................................................................................................... 18 Company Policy Tester. ....................................................................................................... 19 Viewing Rights to Access Features. .................................................................................... 21 Establishing Rights to Access Accounts............................................................................. 22 Creating and Editing Account Labels. ................................................................................ 23 User Roles Overview...................................................................................................24 Creating, Editing or Copying a User Role..................................................................25 Part 1 of 9: Establishing Transaction Type Rights............................................................. 26 Part 2 of 9: Disabling a Transaction Type.......................................................................... 27 Part 3 of 9: Enabling Operation Rights. ............................................................................. 28 Part 4 of 9: Choosing the Maximum Draft Amount. ........................................................ 29 Part 5 of 9: Selecting Subsidiaries. ..................................................................................... 29 Part 6 of 9: Enabling Allowed Accounts............................................................................. 30 Part 7 of 9: Choosing Drafting Hours................................................................................. 30 Part 8 of 9: Choosing the SEC Code. .................................................................................. 31 Part 9 of 9: Editing Approval Limits for a Transaction Type............................................ 32 User Role Policy Tester........................................................................................................ 33 Deleting Allowed Actions..................................................................................................... 35 Establishing Rights to Access Features.............................................................................. 36 Establishing Rights to Access Accounts............................................................................. 37

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Deleting a User Role....................................................................................................38 Users Overview............................................................................................................39 User Management Overview. ............................................................................................. 40 Adding a New User .............................................................................................................. 41 Editing a User...............................................................................................................42 Deleting a User. ...........................................................................................................43 Subsidiary Overview....................................................................................................44 Adding a Subsidiary. ............................................................................................................ 45 Editing a Subsidiary.....................................................................................................46 Deleting a Subsidiary. .................................................................................................47 Recipient Overview......................................................................................................48 ACH Only- Part 1 of 2: Adding a Recipient......................................................................... 49 ACH Only- Part 2 of 2: Recipient Account Detail............................................................... 50 ACH & Wire- Part 1 of 4: Adding a Recipient..................................................................... 51 ACH & Wire- Part 2 of 4: Beneficiary FI Detail................................................................... 52 ACH & Wire- Part 3 of 4: Intermediary FI Detail................................................................ 53 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................... 54 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient.................................................. 55 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail................................................. 56 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail. ............................................ 57 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail......................................... 58 Wires Only (International)- Part 1 of 4: Adding a Recipient............................................. 59 Wires Only (International)- Part 2 of 4: Beneficiary FI Detail........................................... 60 Wires Only (International)- Part 3 of 4: Intermediary FI Detail. ...................................... 61 Wires Only (International)- Part 4 of 4: Recipient Account Detail................................... 62 Editing a Recipient.......................................................................................................63 Editing a Recipient’s Templates.......................................................................................... 64 Deleting a Recipient. ...................................................................................................65 Payment Template Overview.....................................................................................66 Creating a Template....................................................................................................67 ACH Batch.............................................................................................................................. 68 ACH Collection...................................................................................................................... 70 ACH Payment........................................................................................................................ 72 ACH Receipt........................................................................................................................... 74 Payroll.................................................................................................................................... 76 Domestic Wire. ..................................................................................................................... 78 International Wire. ............................................................................................................... 80 Sending a Single Payment..........................................................................................83 ACH Batch.............................................................................................................................. 83 ACH Payment........................................................................................................................ 86 ACH Collection...................................................................................................................... 88 ACH Receipt........................................................................................................................... 91 Payroll.................................................................................................................................... 93

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Domestic Wire. ..................................................................................................................... 95 International Wire. ............................................................................................................... 98 Splitting a Payment........................................................................................................... 101 Upload From File...................................................................................................... 102 Creating a New File Map................................................................................................... 102 Using an Existing File Map................................................................................................ 105 Editing an Existing File Map.............................................................................................. 106 Deleting an Existing File Map........................................................................................... 107 Viewing, Approving or Canceling a Transaction. .................................................. 108 Single Transaction............................................................................................................. 108 Multiple Transactions. ...................................................................................................... 109 Editing or Using a Template.................................................................................... 110 Deleting a Template................................................................................................. 111 Wire Activity. ............................................................................................................. 112 ACH Pass-Thru.......................................................................................................... 113 Bill Pay Bill Pay Overview . .................................................................................................... 114 Bill Pay Enrollment............................................................................................................ 114 Creating a Payee....................................................................................................... 115 Editing a Payee................................................................................................................... 117 Deleting a Payee................................................................................................................ 118 Changing “Pay From” Accounts........................................................................................ 119 Making a Single Payment. ....................................................................................... 120 Paying Multiple Bills................................................................................................. 121 Payment Activity....................................................................................................... 122 Cancel a Pending Payment...................................................................................... 123 Visit the Bill Pay Site Payments Overview. ................................................................................................ 124 Hiding or Unhiding Payees from Payment Screen........................................................ 125 Creating a Payee Overview. .................................................................................... 126 Creating a Payee: Company.................................................................................... 127 Creating a Payee: Person......................................................................................... 129 Part 1 of 3: Choosing Payee and Payment Method. ..................................................... 129 Part 2 of 3: Adding Payee Information. .......................................................................... 130 Part 3 of 3: Keyword (Email Only) and One-Time Activation Code.............................. 131 Editing a Payee.......................................................................................................... 132 Deleting a Payee....................................................................................................... 133 Scheduling Payments............................................................................................... 134 Recurring Payments................................................................................................. 135 Editing Payments...................................................................................................... 136

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Skipping Payments................................................................................................... 137 Canceling Payments................................................................................................. 138 Setting Up eBills........................................................................................................ 139 Adding an Account................................................................................................... 140 Editing an Account.................................................................................................... 141 Deleting an Account................................................................................................. 142 Editing Personal Information.................................................................................. 143 Editing Alerts............................................................................................................. 144 Categories. ................................................................................................................ 145 Editing a Category. ................................................................................................... 146 Deleting a Category.................................................................................................. 147 Reports Reports Overview..................................................................................................... 148 Creating a Report. .................................................................................................... 149 Editing a Report........................................................................................................ 150 Deleting a Report...................................................................................................... 151 Move Money Transfer Funds.......................................................................................................... 152 Individual Transfers. ......................................................................................................... 152 Multi-Account Transfers Overview.................................................................................. 154 Multi-Account Transfers- Creating a Template.............................................................. 155 Multi-Account Transfers- Single Transfer....................................................................... 157 Editing a Multi-Account Transfer Template........................................................... 159 Deleting a Multi-Account Transfer Template........................................................ 160 Digital Banking Activity Overview........................................................................... 161 Using Filters........................................................................................................................ 162 Creating or Deleting Custom Views Using Favorites..................................................... 162 Editing Transactions.......................................................................................................... 163 Canceling Transactions..................................................................................................... 164 Positive Pay Introduction. ............................................................................................................. 165 Quick Exception Processing.................................................................................... 166 To Upload an Issued Check File.............................................................................. 168 Manually Enter a Check........................................................................................... 169 Void a Check.............................................................................................................. 170 Managing Exceptions............................................................................................... 171 Outstanding Issued Checks..................................................................................... 173 Issued Check File Processing Log........................................................................... 174 ACH Reporting. ......................................................................................................... 175

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Account Reconciliation. ........................................................................................... 176 ACH Returns/NOC Report. ...................................................................................... 177 ACH Authorization Rules Setup.............................................................................. 178 Settings Mobile Authorizations. ............................................................................................ 179 Accessibility............................................................................................................... 181 Online Services Stop Payment Request. ........................................................................................... 182 Single Check ...................................................................................................................... 182 Multiple Checks . ............................................................................................................... 183 Locations Branches and ATMs. ................................................................................................ 184

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Getting Started

Corporate Digital Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Corporate Digital Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users, subsidiaries and recipients. After setting up these key entities, you can jump right in and experience our state- of-the-art system! Users If your business only needs one person with access to Corporate Digital 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. After setting up a company policy with a Five Star Bank representative, you can organize which employees get access to different features within Corporate Digital Banking by establishing user roles. Subsidiaries Subsidiaries are different entities owned or managed by one parent company. Corporate Digital Banking allows you to aggressively manage your subsidiaries, offering centralized control to the parent company with the convenience of a single banking system. Subsidiaries may not apply if your business is a single entity with only one tax ID with several bank accounts tied to it. For complete information, contact us at 1-877-226-5578. Recipients Recipients are people or businesses to whom you send or receive money using a payment feature offered through Corporate Digital Banking. After creating a profile for each recipient, you can choose the method to send/receive money and the respective transaction details. Each created recipient is saved so you can quickly and easily make future payments.

Getting Started: Corporate Digital Banking Overview

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Various types of payment methods are offered through Corporate Digital Banking, including wire and ACH transfers. Though they are both quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions are done using a batch process and funds are generally not available until the next business day. Please call us at 1-877-226-5578 for a full list of wire and ACH features or if you have any questions.

Corporate Digital Banking Transaction Types

Type

Description

Upload a NACHA-formatted file.

ACH Pass-Thru

ACH Payment

Send a payment to one recipient.

ACH Batch

Send a payment to several recipients.

ACH Receipt

Receive a payment from one recipient.

ACH Collection

Receive a payment from several recipients.

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different country.

International Wire

Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

Payroll

Getting Started: Corporate Digital Banking Overview

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Getting Started New User Enrollment

If you’re new to Digital Banking with Five Star Bank, you need to complete the enrollment process the first time you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type five-starbank.com into your browser, click the Login button with the Lock in the upper right hand corner, and then click the “Enroll - Business” link.

Note : For more details about supported browsers, go to the following link: https://www.five-starbank.com/resources/supported-browsers.

2. Fill out the Digital Banking Enrollment Form with the required information including a username and click the Continue button.

Note : The details that you provide are verified by comparing them to your contact information in our system. If the information does not match, you will receive an error message. Call us at (877) 226- 5578 Monday through Friday, 7:30 am - 7:00 pm to update your profile and continue with the enrollment process.

3. After the form is submitted, a confirmation message appears. You are given a temporary password to use during your first-time login. Take note of the password and click the “Click Here” link to be redirected to the Five Star Bank Home page. 4. Enter your new login ID and click the Log In button. 5. Choose the contact method that allows Five Star Bank to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. If you close your browser before receiving the SAC, you can log in again and select the I already have a Secure Access Code button.

Note : If the options presented are no longer accurate, please call us at (877) 226-5578 to update your contact information.

Getting Started: New User Enrollment

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6. Enter the SAC and click the Submit button. 7. Choose whether to register your device for future logins.

Note : For additional security, we strongly suggest that you do not register your devices. Not registering requires you to use a SAC code each time you log in.

8. Review the Digital Banking Agreement on the Disclaimers page and click the I Accept button to agree to the Digital Banking Agreement. You will be able to download and save the Agreement for your records. 9. Change your password by using your old temporary password. 10. Congratulations! You have successfully logged in to Digital Banking! If you have any questions or concerns, call us at 1-877-226-5578.

Getting Started: New User Enrollment

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Five Star Bank, Member FDIC

Getting Started

Logging In After your first-time enrollment, logging in is easy and only requires your login ID and password. If you are logging in on a device that you have not previously registered, you need to request a Secure Access Code (SAC).

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1. Click the Login button. 2. Enter your login ID and password. 3. Click the Login button. 4. Choose the contact method that allows Five Star Bank to reach you immediately with a 6-digit Secure Access Code (SAC). 5. Enter the SAC and click the Submit 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 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 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 0c 1c 2c 3c 4c 5c 6c 7c 8c 9c 0d 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 Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 1-877-226-5578 for assistance. J1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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Logging Off For your security, you should always log off when you finish your digital banking J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 I2

session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

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Corporate

Editing Company Policy

The Company Policy is a list of allowed actions and limits that applies to the whole business. All created user rights fit within the Company Policy. If you have Manage Company Policy rights, you can make edits to parts of the Company Policy, but it cannot be deleted. Part 1 of 9: Choosing a Transaction to Edit in Company Policy The first tab within Company Policy is the “Overview” tab. This section contains a list of all transaction types including their approval limits and allowed actions. Here, users with Manage Company Policy rights can choose a type of transaction to edit at the Company Policy level.

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In the Settings tab, click Company Policy . 1. Click the Overview tab.

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2. View the approval limits and allowed actions for each transaction type. 3. Click on the transaction type you would like to make changes to. J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J2

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Corporate: Editing Company Policy

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Part 2 of 9: Choosing the Maximum Draft Amount After selecting a transaction type to edit, you can adjust the maximum amount of drafted funds.

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1. Click on the Draft Amount action. 2. Enter the maximum draft amount using the number pad or click the Any button for an unlimited amount. 3. Click the OK button when you are finished making changes. J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 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

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Corporate: Editing Company Policy

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Part 3 of 9: Choosing the Number of Approvals Next, you can decide on the number of authorized approvals needed for that specific transaction type.

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1. Click the Approvals action. 2. Click the + or - icon depending on how many approvals the specific transaction type requires. 3. Click the OK button when you are finished making changes. 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 Part 4 of 9: Choosing the Subsidiaries Different transaction types have the ability to exclude certain subsidiaries. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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Corporate: Editing Company Policy 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 1. Click the Subsidiaries action. 2. Select which subsidiary can be used in a specific transaction. 3. Click the OK button when you are finished making changes.

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Part 5 of 9: Choosing the Accounts If you have Manage Company Policy rights, you can decide which accounts are used for a specific transaction.

Part 6 of 9: Choosing the Drafting Hours You can also set time limitations for specific transactions. This is especially beneficial if you only want transactions to occur during business hours. 1d 2d 3d 4d 5d 6d 7d 8d 9d 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 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 1. Click on the Accounts action. 2. Select which groups or accounts a specific transaction can use. 3. Click the OK button when you are finished making changes. 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 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 4 15 21 22 23 4 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 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c 11a 12a 13a 14a 15a 11b 12b 13b 14b 15b 1d 2d 3d 4d 5d

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 J2 J3 A1 B1 C1 D1 E1 A2 B2 C D2 E2 A3 B C3 D3 E3 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c J1

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 A3 B3 C3 D3 E3 F3 G3 H I3 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 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 A2 B2 C2 D2 E2 F2 G H2 I2 11b 12b 13b 14b 15b 16b 7b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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

1. Click the Draft Hours action. 2. Click the boxes to select the hours a user can draft or send a transaction. 3. Click the OK button when you are finished making changes. 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

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

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

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

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

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

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

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

Corporate: Editing Company Policy A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2

J1

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

J2

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

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

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Five Star Bank, Member FDIC

Part 7 of 9: Choosing the Location If your business conducts transactions in different regions, you can select the appropriate places to permit them within the Company Policy.

11 12 13 14 15 21 22 23 24 25 1 2 3 4 5

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 17 18 21 22 23 24 25 26 27 28 1 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 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c 1d 2d 3d 4d 5d K L M N O U V W X Y A B C D E 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 1a 2a 3a 4a 5a 6a 7a 8 1b 2b 3b 4b 5b 6b 7b 8b c 2c 3c 4c 5c 6c 7c 8 11a 12a 13a 14a 15a 11b 12b 13b 14b 15b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20 J A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18 11b 12b 13b 14b 15b 16b 17b 18 A1 B1 C1 D1 E1 F1 G1 H A2 B2 C2 D2 E2 F2 G2 H A3 B3 C3 D3 E3 F3 G3 H 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 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 A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 A3 B3 C3 D3 E3 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c K L M N O P Q R U V W X Y Z A B C D E F G H 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 1a 2a 3a 4a 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c 11a 12a 13a 14a 15a 11b 12b 13b 14b 15b 1d 2d 3d 4d 5d 11a 12a 13a 14a 15a 16a 17a 18a 11b 12b 13b 14b 15b 16b 17b 18b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 A3 B3 C3 D3 E3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20 d 2d 3d 4d 5d 6d 7d 8

1. Click the Location action. 2. Select which countries transactions can be performed in. 3. Click the OK button when you are finished making changes. Part 8 of 9: Choosing the IP Address To further strengthen your Company Policy, you can specify which computers can perform transactions by entering the device’s unique IP address.

1. Click the IP Addresses action. 2. Enter a new IP Address and click the Add button. 3. Click the OK button when you are finished making changes.

Corporate: Editing Company Policy

Five Star Bank, Member FDIC

17

Part 9 of 9: Choosing the SEC Code Standard Entry Class Codes, or SEC Codes, designate the valid payment methods allowed. Each SEC Code defines the type of transaction (debit or credit), type of account (corporate or consumer), and any information specific to the format (such as single/recurring, terminal location, or check number).

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

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

1. Click the SEC Codes action. 2. Select which code you would like to use. 3. Click the OK button when you are finished making changes.

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

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

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

Corporate: Editing Company Policy

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Five Star Bank, Member FDIC

Approval Limits You can review the Approval Limits within the Company Policy. These limits are read-only at the Company Policy level but can be adjusted within User Roles to fit a user’s specific responsibilities.

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

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 J1 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

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

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

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

In the Settings tab, click Company Policy . 1. Select a transaction type in the Overview tab to view the approval limits. 2. Click the Approval Limits tab. 3. View the maximum limits for transactions and amounts. 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 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 3a 14a 5a 16a 7a 8a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 0b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J3

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3 Note : Maximum Amount is the maximum amount of funds a user can approve or draft per transaction, per account, per day or per month. The Maximum Count is the number of transactions they can perform or draft per transaction, per account, per day or per month. A3 B3 C3 D3 E3 F3 G3 H3 I3

Corporate: Editing Company Policy

Five Star Bank, Member FDIC

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Company Policy Tester The Policy Tester gives you the ability to test possible actions before making changes within the Company Policy. This allows you to see if a certain transaction can be performed based on the Bank Policy and Company Policy.

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

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

J1 11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I J2 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c

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

A1 B1 C1 D1 E1 F1 G1 H1 I1

In the Settings tab, click Company Policy . 1. Select a transaction type in the Overview tab to run a specific test. 2. Click the Policy Tester tab. A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

1d 2d 3d 4d 5d 6d 7d 8d 9d

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

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

Corporate: Editing Company Policy 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

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Five Star Bank, Member FDIC

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

1d 2d 3d 4d 5d 6d 7d 8d 9d 1d 2d 3d 4d 5d 6d 7d 8d 9

11a 12a 13a 14a 15a 16a 17a 18a 19 1a 12a 13a 14a 15a 16a 17a 18a 1

11b 12b 13b 14b 15b 16b 17b 18b 19b 1b 12b 13b 14b 15b 16b 17b 18b 1

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

3. Create a sample transaction to test a user’s policy. 4. Click the Test button. You can then see whether the user can perform the transaction.

Corporate: Editing Company Policy

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Viewing Rights to Access Features You have the ability to view activated features within the Company Policy. This is a read-only section and the available features indicate which rights are activated.

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 6 1b 2b 3b 4b 5b 6 1c 2c 3c 4c 5c 6

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

1d 2d 3d 4d 5d 6

In the Settings tab, click Company Policy . 1. Click the Features tab. 2. View enabled rights and business features at the Company Policy level. 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

11a 12a 13a 14a 15a 1

11b 12b 13b 14b 15b 1

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

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Corporate: Editing Company Policy