Freedom Bank Business Online Banking User Guide

2-8-24

Business Online Banking USER GUIDE

February 2024

freedom.bank

II

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2021 Murphy & Company, Inc. Quicken is a registered trademark of Intuit, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2 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.

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Getting Started

Welcome to Business Online Banking with Freedom Bank! Whether you are at home or at 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, Freedom Bank provides you with the complex tools your business needs to achieve its goals. Although our Business Online Banking shares similar features with our personal accounts, this guide is meant to help you through business features only. 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 703.667.4168.

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Table of Contents Getting Started

Logging In.....................................................................................................................10 Logging Off............................................................................................................................ 10 Resetting a Forgotten Password................................................................................11 Home Page Home Page Overview..................................................................................................13 Account Summary Overview............................................................................................... 15 Account Details Overview...........................................................................................16 Quick Transfer.............................................................................................................18 Account Nickname......................................................................................................19 Account Grouping.......................................................................................................20 Editing a Group Name......................................................................................................... 21 Deleting a Group.................................................................................................................. 21 Security Protecting Your Information......................................................................................22 General Guidelines............................................................................................................... 22 Login ID and Password........................................................................................................ 22 Fraud Prevention.................................................................................................................. 22 Security Preferences...................................................................................................23 Change Password................................................................................................................. 23 Mobile Security Preferences......................................................................................24 Enabling Touch ID or Fingerprint Login............................................................................. 24 Enabling Passcode Authentication..................................................................................... 26 Enabling Face ID................................................................................................................... 27 Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login.............. 28 Alerts Overview............................................................................................................29 Account Alerts....................................................................................................................... 30 History Alerts........................................................................................................................ 31 Online Transaction Alerts.................................................................................................... 32 Reminders............................................................................................................................. 33 Enabling and Disabling Push Notifications..............................................................34 Secure Message Overview.........................................................................................35 Sending a Secure Message.........................................................................................36 Overview Business Online Banking Overview...........................................................................37 Users...................................................................................................................................... 37 Recipients.............................................................................................................................. 37 Business Online Banking Transaction Types ................................................................... 38

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Small Business Users Users Overview............................................................................................................39 User Management Overview.............................................................................................. 40 Adding a New User .............................................................................................................. 41 Part 1 of 5: Establishing Transaction Type Rights............................................................. 42 Part 2 of 5: Disabling a Transaction Type.......................................................................... 43 Part 3 of 5: Editing Approval Limits for a Transaction Type............................................ 44 Part 4 of 5: Establishing Rights to Access Features.......................................................... 45 Part 5 of 5: Establishing Rights to Access Accounts......................................................... 46 Editing an Existing User’s Rights................................................................................47 Deleting a User............................................................................................................48 Corporate Users User Roles Overview...................................................................................................49 Creating, Editing or Copying a User Role..................................................................50 Part 1 of 10: Choosing a Transaction to Edit in User Roles............................................. 51 Part 2 of 10: Establishing Transaction Type Rights.......................................................... 52 Part 3 of 10: Approval Limits............................................................................................... 53 Part 4 of 10: Disabling a Transaction Type........................................................................ 54 Part 5 of 10: Allowed Actions ............................................................................................. 55 Part 6 of 10: Enabling Operation Rights............................................................................ 56 Part 7 of 10: Choosing the Maximum Draft Amount....................................................... 57 Part 8 of 10: Selecting Subsidiaries.................................................................................... 57 Part 9 of 10: Enabling Allowed Accounts........................................................................... 58 Part 10 of 10: Choosing Drafting Hours............................................................................. 59 User Role Policy Tester........................................................................................................ 60 Deleting Allowed Actions..................................................................................................... 62 Establishing Rights to Access Features.............................................................................. 63 Establishing Rights to Access Accounts............................................................................. 64 Deleting a User Role....................................................................................................65 Commercial Services Editing Company Policy..............................................................................................66 Part 1 of 11: Choosing a Transaction to Edit in Company Policy.................................... 66 Part 2 of 11: Approval Limits............................................................................................... 67 Part 3 of 11: Allowed Actions ............................................................................................. 68 Part 4 of 11: Amount ........................................................................................................... 68 Part 5 of 11: Approvals ....................................................................................................... 69 Part 6 of 11: Choosing the Subsidiaries............................................................................. 69 Part 7 of 11: Choosing the Accounts.................................................................................. 70 Part 8 of 11: Choosing the Drafting Hours........................................................................ 71 Part 9 of 11: Choosing the Location................................................................................... 72

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Part 10 of 11: Choosing the IP Address............................................................................. 73 Part 11 of 11: Choosing the SEC Code............................................................................... 74 Company Policy Tester........................................................................................................ 75 Viewing Rights to Access Features..................................................................................... 77 Establishing Rights to Access Accounts............................................................................. 78 Creating and Editing Account Labels................................................................................. 79 Users Overview............................................................................................................80 User Management Overview.............................................................................................. 81 Adding a New User .............................................................................................................. 82 Editing a User...............................................................................................................83 Deleting a User............................................................................................................84 Subsidiaries Subsidiary Overview....................................................................................................85 Adding a Subsidiary............................................................................................................. 86 Editing a Subsidiary.....................................................................................................87 Deleting a Subsidiary..................................................................................................88 Recipients ACH Recipient Overview.............................................................................................89 ACH Only- Part 1 of 2: Adding a Recipient......................................................................... 90 ACH Only- Part 2 of 2: Recipient Account Detail............................................................... 91 ACH & Wire- Part 1 of 4: Adding a Recipient..................................................................... 92 ACH & Wire- Part 2 of 4: Receiving Bank Detail................................................................ 93 ACH & Wire- Part 3 of 4: Intermediary Bank Detail.......................................................... 94 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................... 95 Wire Recipient Overview.............................................................................................96 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient.................................................. 97 Wires Only (Domestic)- Part 2 of 4: Receiving Bank Detail.............................................. 98 Wires Only (Domestic)- Part 3 of 4: Intermediary Bank Detail........................................ 99 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail...................................... 100 Wires Only (International)- Part 1 of 4: Adding a Recipient.......................................... 101 Wires Only (International)- Part 2 of 4: Receiving Bank................................................ 102 Wires Only (International)- Part 3 of 4: Intermediary Bank Detail............................... 103 Wires Only (International)- Part 4 of 4: Recipient Account Detail................................ 104 Editing a Recipient (ACH and Wire)........................................................................105 Editing a Recipient’s Templates....................................................................................... 106 Deleting a Recipient.................................................................................................107 Payments Sending a Single Payment.......................................................................................108 ACH Payment..................................................................................................................... 108 ACH Collection................................................................................................................... 110

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Payroll................................................................................................................................. 113 Splitting a Payment........................................................................................................... 115 Domestic Wire................................................................................................................... 116 International Wire............................................................................................................. 118 Payment From File...................................................................................................120 Importing a CSV file........................................................................................................... 120 Importing a NACHA file..................................................................................................... 120 Payment Template (ACH and Wire) Overview......................................................123 Creating a Template.................................................................................................124 ACH Payment..................................................................................................................... 125 ACH Collection................................................................................................................... 127 Payroll................................................................................................................................. 129 Domestic Wire................................................................................................................... 131 International Wire............................................................................................................. 133 Editing a Template....................................................................................................135 Using a Template......................................................................................................136 Deleting a Template.................................................................................................138 Viewing, Approving or Canceling a Transaction...................................................139 Single Transaction............................................................................................................. 139 Multiple Transactions....................................................................................................... 140 ACH Pass-Thru..........................................................................................................141 Tax Payment.............................................................................................................142 Reports Reports Overview.....................................................................................................144 Company User Activity Report......................................................................................... 145 Transaction Report............................................................................................................ 146 Company Entitlements Report........................................................................................ 147 ACH Activity Report Previous Day(s)............................................................................... 148 Balance and Activity Statement-Previous Day(s)........................................................... 149 Cash Position Report Previous Day(s)............................................................................. 150 Online Wire Origination Report....................................................................................... 151 Editing a Report........................................................................................................152 Deleting a Report......................................................................................................153 Autobooks Overview.................................................................................................................... 154 Send an Invoice.........................................................................................................155 Edit Invoice Draft......................................................................................................157 Mark Invoice as Paid................................................................................................158 Copy Invoice..............................................................................................................159 Email Invoice.............................................................................................................161 Cancel Invoice...........................................................................................................162

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Edit Recurring Schedule...........................................................................................163 Pause Recurring Schedule.......................................................................................165 Resume Recurring Schedule...................................................................................166 Cancel Recurring Schedule......................................................................................167 Export Invoices.........................................................................................................168 New Estimate............................................................................................................169 Edit an Estimate........................................................................................................171 Email an Estimate.....................................................................................................173 Create an Invoice from an Estimate.......................................................................174 Cancel an Estimate...................................................................................................176 Export Estimates.......................................................................................................177 Add a Customer........................................................................................................178 Import Customers....................................................................................................179 Export Customers.....................................................................................................180 Edit a Customer........................................................................................................181 Archive a Customer..................................................................................................183 Invoice Balance Details............................................................................................185 New Product/Service................................................................................................186 Edit Product/Service.................................................................................................187 Delete Product/Service............................................................................................189 Invoice Settings.........................................................................................................190 Edit Invoice Reminders and Fees.................................................................................... 191 Payments Overview.................................................................................................193 Payment Form Settings...........................................................................................194 Share Your Payment Form Link..............................................................................195 Email Your Payment Form Link..............................................................................196 Payments................................................................................................................... 197 Refund a Payment....................................................................................................198 Cancel a Payment.....................................................................................................199 Autobooks Accounting Overview...........................................................................200 Vendors. .................................................................................................................... 201 Add a Vendor............................................................................................................202 Import Vendors.........................................................................................................203 Edit a Vendor.............................................................................................................204 Archive a Vendor......................................................................................................205 Export Vendors.........................................................................................................206 Vendor Invoices........................................................................................................207 Paying a Vendor Invoices.........................................................................................209 Canceling a Vendor Invoices...................................................................................211 Create a Vendor Check............................................................................................212 Canceling a Check....................................................................................................214

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Reports. ..................................................................................................................... 215 Customer Balances........................................................................................................... 215 Vendor Balances................................................................................................................ 216 Vendor Balances................................................................................................................ 217 Settings...................................................................................................................... 218 Profile.................................................................................................................................. 218 Company. ........................................................................................................................... 219 Transactions Transfer. .................................................................................................................... 220 Activity Center Overview.........................................................................................222 Using Filters........................................................................................................................ 223 Creating or Deleting Custom Views Using Favorites..................................................... 223 Editing Transactions.......................................................................................................... 224 Canceling Transactions..................................................................................................... 225 Positive Pay Introduction. ............................................................................................................. 226 Managing Exceptions...............................................................................................227 To Submit an Issued Check File..............................................................................230 Add New Issued Check............................................................................................231 Void a Check..............................................................................................................232 Check Search.............................................................................................................234 Reverse Positive Pay................................................................................................236 ACH Transaction Search..........................................................................................237 Daily Checks Issued Summary................................................................................238 Stops and Voids........................................................................................................239 Exception Items........................................................................................................240 Stale Dated Checks...................................................................................................241 Check Reconciliation Summary..............................................................................242 Deposit Reconciliation Summary...........................................................................243 Account Reconciliation............................................................................................244 Issued Check Processing Log..................................................................................245 User Setup.................................................................................................................246 Reset User.................................................................................................................251 Commercial Bill Pay Home Page Overview...............................................................................................252 Add a Payee...............................................................................................................254 Company. ........................................................................................................................... 254 Individual Electronic Payments: Allowing an Individual to Provide Their Banking Information........................................................................................................................ 256

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Individual Electronic Payments: If You Have an Individual’s Account Information... 258 Individual Check Payments.............................................................................................. 260 Activate a Payee................................................................................................................. 262 Import Payees...........................................................................................................263 Edit a Payee...............................................................................................................266 Delete a Payee..........................................................................................................267 Add and Manage Categories...................................................................................268 Single Payment.........................................................................................................269 Edit or Stop a Single Payment.................................................................................270 Create a Recurring Payment...................................................................................271 Edit or Stop a Recurring Payment..........................................................................273 Payment Approval....................................................................................................275 Add a Transfer Account...........................................................................................276 Delete or Edit a Transfer Account..........................................................................277 One-Time Transfer...................................................................................................278 Edit or Stop a Single Transfer.................................................................................279 Recurring Transfers..................................................................................................280 Edit or Stop a Recurring Transfer...........................................................................281 Transfer Approval.....................................................................................................283 Add an Employee.....................................................................................................284 Edit or Deactivate an Employee..............................................................................286 Schedule Payroll.......................................................................................................288 Edit Scheduled Payroll.............................................................................................290 Schedule Extra Payroll.............................................................................................291 View Past Payroll......................................................................................................293 Edit or Stop Scheduled Payroll...............................................................................294 Payroll Approval.......................................................................................................297 Calendar.................................................................................................................... 298 Company Profile.......................................................................................................299 Delete or Edit Bill Pay Accounts..............................................................................300 Modify User Permissions.........................................................................................301 Personal Profile........................................................................................................302 e-Notifications........................................................................................................... 303 Events. ................................................................................................................................ 303 Logout................................................................................................................................. 304 Recurring............................................................................................................................ 305 Reminders.......................................................................................................................... 306 Reports. ..................................................................................................................... 307

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Services Stop Payment Request............................................................................................309 Check Reorder..........................................................................................................310 Text Enrollment........................................................................................................311 Mobile Deposits........................................................................................................313 Settings Account Preferences................................................................................................314 Statement Delivery...................................................................................................315 Accessibility............................................................................................................... 316 Locations Branches and ATMs.................................................................................................317

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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 an SAC.

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1. Click the Online Banking button and select “Login.” 2. Enter your login ID and password.. 3. Click the Log In button.

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 703.667.4168 for assistance.

Logging Off For your security, you should always log off when you finish your Online Banking 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 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1

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.

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Getting Started: Logging In

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Getting Started

Resetting a Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the Freedom Bank Home page—no need to call us!

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1. Click the “Forgot your password?” link. 2. Enter your login ID and click the Submit button.

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Note : You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device. A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3

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Getting Started: Resetting a Forgotten Password

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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 KLMNOPQRST 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 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST 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 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 13a 14a 15a 16a 17a 18a 19a 20a J KLMNOPQRST U V W X Y Z A B C D E F G H I 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 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

3. Choose the contact method that allows Freedom Bank to reach you immediately with a six-digit SAC. 4. Enter the SAC and click the Submit button. 5. Create a new password based on our password requirements, and click the Submit button when you are finished. 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 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2

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Getting Started: Logging In

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Home Page

Home Page Overview After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Online Banking. Here you can view the balances in both your linked and Freedom Bank accounts, see your account summaries and more! 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 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 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 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 KLMNOPQRST U V W X Y Z A B C D E F G H I 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 K L M N O P Q U V W X Y Z A B C D E F G 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 J KLMNOPQRST 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 KLMNOPQRST 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 KLMNOPQRST U V W X Y Z A B C D E F G H I 1d 2d 3d 4d 5d 6d 7d 8d 9d 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 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 J KLMNOPQRST 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 A2 B2 C2 D2 E2 F2 G2 H2 I2 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 J2 J3 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c J1 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b 1d 2d 3d 4d 5d 6d 7d A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J2 J3 J2 J3 J1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b Note : The letters correspond to several available features on the Home page. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J2 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 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 KLMNOPQRST U V W X Y Z A B C D E F G H I J2 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A3 B3 C3 D3 E3 F3 G3 H3 I3 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 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

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Home Page: Home Page Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your Freedom Bank accounts and linked external accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card, and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. F. If you click and hold an account card, you can drag and drop it to a new location to change the order your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different Online Banking features.

Home Page: Home Page Overview

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A. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. B. Each colored piece represents one of your Freedom Bank or linked accounts and displays its percentage of total funds and its balance. C. Clicking "Next" or "Previous" lets you view different accounts and details. D. You can click the "View Transactions" link for more information. 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 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 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 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 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 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 KLMNOPQRST 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 KLMNOPQRST 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 KLMNOPQRST U V W X Y Z A B C D E F G H I Account Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to Account Summary on the Home page. This interactive chart represents your total assets, represented by specific colors and percentages.

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 KLMNOPQRST 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

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

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

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

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

J1

A1 B1 C1 D1 E1 F1 G1 H1 I1

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2 J2

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A3 B3 C3 D3 E3 F3 G3 H3 I3 J3

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Home Page: Home Page Overview

16

Home Page

Account Details Overview Selecting a Freedom Bank account on the Home page takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances, so you stay organized and on top of your finances. 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 KLMNOPQRST U V W X Y Z A B C D E F G H I

1 1112 131415 1617 18 192 2122 2324 2526 27 28 293 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 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 1112 131415 1617 18 192 2122 2324 2526 27 28 293 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 1 1b 2b 3b 4b 5b 6b 7b 8b 9b 1 1c 2c 3c 4c 5c 6c 7c 8c 9c 1 1d 2d 3d 4d 5d 6d 7d 8d 9d 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 2 11b 12b 13b 14b 15b 16b 17b 18b 19b 2 1d 2d 3d 4d 5d 6d 7d 8d 9d 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 11b 12b 13b 14b 15b 16b 17b 18b 19b 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 11b 12b 13b 14b 15b 16b 17b 18b 19b

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

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

J2 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 KLMNOPQRST 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 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 KLMNOPQRST U V W X Y Z A B C D E F G H I 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 1d 2d 3d 4d 5d 6d 7d 8d 9d

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

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17a 18a 19a 20a

17b 18b 19b 20b

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

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

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G1 H1 I1

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

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

J2

G2 H2 I2

A1 B1 C1 D1 E1 F1 G1 H1 I1

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A1 B1 C1 D1 E1 F1 G1 H1 I1

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Home Page: Account Details Overview

17

A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances of that account are displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 18 for additional details.) F. Export your transactions into a different format by clicking the icon. G. The icon lets you send a secure message about that account or print a list of transactions. H. The icon indicates how the Date, Description and Amount columns are sorted. I. You can view more details about a transaction by clicking on it. J. The icon lets you send a secure message about that transaction or print details about it.

Home Page: Account Details Overview

18

Home Page

Quick Transfer No need to run to a branch to move money from one account to another. If you’re ever in a rush, the Quick Transfer option is a simple and fast way to make transactions.

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 KLMNOPQRST 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

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

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

1. Click the 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 KLMNOPQRST 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 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 21314151617 181920 2 2324 2526 27 28 2930 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 10 112 131415 1617 18 1920 122 2324 2526 27 28 2930 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 KLMNOPQRST U V W X Y Z A B C D E F G H I Transfer. 2. Use the “To” drop-down and choose an account to receive the funds. 3. Enter an amount to transfer. 4. Select a transfer date. 5. (Optional) Click the Advanced Options button to be redirected to the Funds Transfer feature. 6. Click the Transfer Funds button when you are finished. 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 J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 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 1a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1b 12b 13b 14b 15b 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J2 icon on the right side of an account card and select Quick

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J1

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11 12 13 14 15 16 17 18 19 21222324252627 28 2 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 1a2a3a4a5a6a7a8a9 1b2b3b4b5b6b7b8b9 1c2c3c4c5c6c7c8c9

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Home Page: Quick Transfer A3 B3 C3 D3 E3 F3 G3 H3 I3 2a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 2b 13b 14b 15b 16b 17b 18b 19b 20b A3 B3 C3 D3 E3 F3 G3 H3 I3 B1 C1 D1 E1 F1 G1 H1 I1 J2 J3 J1 J1

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