GNBank Commercial Cash Management Digital Banking Guide

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8-29-23

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

St. Louis, MO 63021 www.mcompany.com

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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.

Getting Started

Welcome to Business Online Banking with GNBank! 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, GNBank provides you with the complex tools your business needs to achieve its goals. While 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 (888) 675-8223.

Table of Contents Getting Started

Business Online Banking Overview.............................................................................4 Users........................................................................................................................................ 4 Subsidiaries............................................................................................................................. 4 Recipients................................................................................................................................ 4 Verify Personal Image...................................................................................................6 Security Questions........................................................................................................7 Commercial Users Overview..............................................................................................................9 Users Overview..................................................................................................................... 10 Adding a New User .............................................................................................................. 11 Part 1 of 4: Access Times..................................................................................................... 12 Part 2 of 4: Editing Approval Limits for a Transaction Type............................................ 13 Part 3 of 4: Establishing Transaction Type Rights............................................................. 14 Part 4 of 4: Establishing Rights to Features and Accounts.............................................. 15 Editing an Existing User’s Rights................................................................................16 Deleting a User............................................................................................................17 ACH Batch List Overview............................................................................................18 Creating a Batch List...................................................................................................19 Adding Recipients to a Batch.............................................................................................. 20 Upload Batch File.........................................................................................................21 File Status.....................................................................................................................22 Editing a Batch.............................................................................................................23 Deleting a Batch..........................................................................................................24 Initiating an ACH Template........................................................................................25 Tax Payment................................................................................................................26 Viewing ACH Transaction History..............................................................................27 Searching ACH Transactions......................................................................................28 Reports Overview........................................................................................................29 Prior Day Report................................................................................................................... 30 Current Day Report.............................................................................................................. 31 Position Report..................................................................................................................... 32 Activity Report....................................................................................................................... 33 Summary Report.................................................................................................................. 34 Positive Pay Report.............................................................................................................. 35 Saved Reports....................................................................................................................... 36

Positive Pay Introduction. ................................................................................................................37 Add/Edit Upload Format.............................................................................................38 Upload. .........................................................................................................................39 Positive Pay Exceptions..............................................................................................42 Download.....................................................................................................................43 My Profile Personal Information..................................................................................................44 Account Settings..........................................................................................................46 Display Settings...........................................................................................................47 Alert Settings................................................................................................................48 Alerts Listing.......................................................................................................................... 48 Event Alerts........................................................................................................................... 49 Item Alerts............................................................................................................................. 50 Personal Alerts...................................................................................................................... 51

Getting Started

Business Online Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users, 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 Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic online banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. After setting up a company profile with a GNBank representative, you can organize which employees get access to different features within Business Online Banking by establishing user roles. Subsidiaries Subsidiaries are different entities owned or managed by one parent company. Business Online Banking allows you to 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 (888) 675-8223. Recipients Recipients are people or businesses to whom you send money using a payment feature offered through Business Online Banking. After creating a profile for each recipient, you can choose the method to send them money and the respective transaction details. Each recipient is saved, so you can quickly and easily make future payments.

Getting Started: Business Online Banking Overview

Various types of payment methods are offered through Business Online 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 (888) 675-8223 for a full list of wire and ACH fees or if you have any questions.

Getting Started: Business Online Banking Overview

Getting Started Verify Personal Image

For security purposes, each time you login, you must verify that the image on the left is the image you selected as your Personal Identification Image. If you have not set up your Personal Identification Image, a random image will appear. When you login, you are prompted to select an image.

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Click the Cash Manager tab. 1. Select or change your Personal Identification image. 2. Click the Submit button.

Getting Started: Verify Personal Image

Getting Started

Security Questions In order to make your Online Banking experience as secure as possible, we are introducing a new security feature that detects any uncharacteristic or unusual behavior involving your account. We ask you to verify your identity if anything out of the ordinary is detected. How does it work? If we detect any unusual or uncharacteristic activity, we will ask you to answer your security questions. This will most likely be a very rare occurrence. What are the next steps? • Answer and verify three security questions. • Continue banking with an even higher level of security!

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1. Click the Continue button.

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Getting Started: Security Questions

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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 2. Select and answer three security questions. If we suspect a high-risk transaction is about to be performed, we will ask you a few verification questions. 3. Click the Submit button. 4. Verify your answers and click the Confirm button when you are finished. 5. Click the Continue button.

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Getting Started: Security Questions

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Commercial

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

Commercial: Users Overview

Users Overview The User Management page lets you view all your existing users in one easy place. From here, you can create users, edit rights and oversee your employees on a day-to-day basis. 10

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In the Cash Manager tab, click Users . A. The following information presents for each user: • Name • Online Banking ID • Status B. Use the “Select option” drop-down to edit or delete a user. C. Click the Create New User tab to create a new user.

Commercial: Users Overview

Adding a New User An authorized user with Manage Users rights can set up a new user by first creating a profile, unique login ID and password. Once you establish a user and their login credentials, you can begin assigning user rights by accessing their User Policy.

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A1 B1 C1 D1 E1 F1 G1 H1 19c • No: No administration rights • Yes: Full administrative rights A2 B2 C2 D2 E2 F2 G2 H2 19d

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J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 • Partial: Partial administration to change settings but not add new users. • View: Can view administrative access and functionality but not make changes. 5. Enter a wire password, if applicable. 6. Check the box to view position/activity reports for the user. 7. Check the box to hold the user. This will prevent the user from having access to online banking. 8. Enter the user’s mobile phone number and select the wireless carrier to send alerts via text messaging J1 J2 J3 A2 B2 C2 D2 E2 F2 G2 H2 19d J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J2 J3 J1 J2 J3

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Commercial: Users Overview

Part 1 of 4: Access Times Decide when a user is able to access business online banking.

1. Select which times a user can access business online banking.

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Commercial: Users Overview

Part 2 of 4: Editing Approval Limits for a Transaction Type A user’s approval limits can be adjusted, so you never have to worry about the amount or number of transactions they make. 1. Enter the transaction limits for the user. 2. Check the box to enable dual wire control and enter a dual wire control limit. 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 Note : Dual wire control means when one user creates a wire transaction, a second user with wire approval authority needs to approve the payment before it can be processed. 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 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

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Commercial: Users Overview

Part 3 of 4: Establishing Transaction Type Rights You can assign and edit user rights. This helps you decide which responsibilities and limitations a user can have regarding certain transactions.

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1. Select which transaction rights the user will have. 2. Click the Submit button. J KLMNOPQRST U V W X Y Z A B C D E F G H I

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Commercial: Users Overview

Part 4 of 4: Establishing Rights to Features and Accounts Decide which users have access to perform specific tasks within an account.

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1. Select which features and accounts the user will have access to. 2. Click the Submit button when you are finished.

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Commercial: Users Overview

Commercial

Authorized users can make changes to existing users at any time. This is especially beneficial if someone’s job title changes or their approval limits need to be adjusted. Editing an Existing User’s Rights

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In the Cash Manager tab, click Users . 1. Find the user you want to edit and use the drop-down to select “User Settings,” “Default Settings” or “Account Settings” depending on the information you would like to edit. 2. Make the necessary changes and click the Submit button.

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Commercial: Editing an Existing User’s Rights

Commercial

Authorized users can permanently delete a user that is no longer needed. This deletes their contact information from the Users page and deactivates their Business Online Banking login ID, but it does not erase the data from any existing payments. Deleting a User

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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 In the Cash Manager tab, click Users . 1. Find the user you want to remove and use the drop-down to select “Delete.” 2. Click the Delete button.

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Commercial: Deleting a User

Commercial

Business Online Banking allows you to create a batch list to make quick payments to multiple people. This is especially beneficial when doing payroll since you can enter multiple amounts and recipients. This page displays a list of all ACH batches created, including the current status for each ACH batch shown. From this page you can create a new ACH batch, edit, copy or delete an existing ACH batch, upload an ACH batch and search ACH batch activity. ACH Batch List Overview 10

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10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d In the Cash Manager tab, click ACH . A. The following information presents for each recipient: • Status • Category Name • Type • Company • Process Date 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 19c

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• Debit • Credit • Recurring • Scheduled Date

A3 B3 C3 D3 E3 F3 G3 H3 I3

B. Click the

icon to make edits to or delete a specific recipient or view

payment history.

Commercial: ACH Batch List Overview

Commercial

Creating a Batch List

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 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 1d 2d 3d 4d 5d 6d 7d 8d 9d In the Cash Manager tab, click ACH Batch Templates . 1. Select a company from the batch drop-down. 2. Enter a batch name. 3. Enter discretionary data. 4. Use the drop-down to select an SEC code. 5. Enter an entry description. This field is limited to ten characters or less. The description is automatically added to the NACHA-formatted ACH file. 6. Click the Submit button. 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 19c J2 A2 B2 C2 D2 E2 F2 G2 H2 19d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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 19c 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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 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

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 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 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 11a 12a 13a 14a 15a 16a 1d 2d 3d 4d 5d 6d 7d 11b 12b 13b 14b 15b 16b 11a 12a 13a 14a 15a 16a 17a 1d 2d 3d 4d 5d 6d 7d 8d 1d 2d 3d 4d 5d 6d A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3 11b 12b 13b 14b 15b 16b 17b A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 11a 12a 13a 14a 15a 16a 17a 18 11b 12b 13b 14b 15b 16b 17b 18 A1B1C1D1E1 F1G1H A2 B2 C2 D2 E2 F2 G2 H2 A3B3C3D3E3 F3G3H

A2 B2 C2 D2 E2 F2 G2 H2 19d 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 19c A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 A2 B2 C2 D2 E2 F2 G2 H2 19d J2

A3 B3 C3 D3 E3 F3 G3 H3 I3

Commercial: Creating a Batch List

Adding Recipients to a Batch

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J 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 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 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 10 13 14 15 16 17 18 19 20 23 24 25 26 27 28 29 30 3 4 5 6 7 8 9 10a 3a 4a 5a 6a 7a 8a 9a 10b 3b 4b 5b 6b 7b 8b 9b 10c 3c 4c 5c 6c 7c 8c 9c 10d 3d 4d 5d 6d 7d 8d 9d J M N O P Q R S T W X Y Z C D E F G H I 10 4151617 181920 4 2526 27 28 2930 4 5 6 7 8 9 10a 4a 5a 6a 7a 8a 9a 10b 4b 5b 6b 7b 8b 9b 10c 4c 5c 6c 7c 8c 9c 10d 4d 5d 6d 7d 8d 9d J N O P Q R S T X Y Z D E F G H I 10a 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 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 19c 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 19c 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A2 B2 C2 D2 E2 F2 G2 H2 19d A3 B3 C3 D3 E3 F3 G3 H3 I3 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 J1 J2 A2 B2 C2 D2 E2 F2 G2 H2 19d 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 19c A1 B1 C1 D1 E1 F1 G1 H1 19c 13a 14a 15a 16a 17a 18a 19a 20a

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 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 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 11 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 1112 131415 1617 1 21222324252627 2 1 2 3 4 5 6 7 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 11b 12b 13b 14b 15b 16b 17b 18b 19b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 19c A2 B2 C2 D2 E2 F2 G2 H2 19d A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 19c J2 A2 B2 C2 D2 E2 F2 G2 H2 19d 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c K L M N O P Q U V W X Y Z A B C D E F G A3 B3 C3 D3 E3 F3 G3 H3 I3 1d 2d 3d 4d 5d 6d 7d 8d 1d 2d 3d 4d 5d 6d J3 J1 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c J3 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 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 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 11a 12a 13a 14a 15a 16a 17a 18a 11a 12a 13a 14a 15a 16a 11b 12b 13b 14b 15b 16b 17b 18b 11b 12b 13b 14b 15b 16b

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 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

J2 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 J3 J2 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

J3 1. Enter a recipient’s name. 2. (Optional) Enter an ID number. An ID number can be used to identify a recipient when duplicate names exists. 3. Enter an amount. 4. (Optional) Click the box to prenote all recipients in the batch and verify their information. 5. (Optional) Use the drop-downs to select an addenda type. 6. (Optional) Enter an addenda. 7. Enter the recipient’s routing number. 8. Enter the recipient’s account number. 9. Use the drop-down to select an account type. 10. Select a transaction type and status. 11. To add another recipient, click the Add Multiple button and repeat steps 1 through 10. A3 B3 C3 D3 E3 F3 G3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 19d A3 B3 C3 D3 E3 F3 G3 H3 I3 J2 J3 J3 A1 B1 C1 D1 E1 F1 G1 H1 19c J1 J2 J3 J1 J2 J3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J2 A2 B2 C2 D2 E2 F2 G2 H2 19d 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 19c J2 A2 B2 C2 D2 E2 F2 G2 H2 19d J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

13b 14b 15b 16b 17b 18b 19b 20b 4a 15a 16a 17a 18a 19a 20a C1 D1 E1 F1 G1 H1 19c 4b 15b 16b 17b 18b 19b 20b C2 D2 E2 F2 G2 H2 19d D1 E1 F1 G1 H1 19c C3 D3 E3 F3 G3 H3 I3 D2 E2 F2 G2 H2 19d

A2 B2 C2 D2 E2 F2 G2 H2 19d

A3 B3 C3 D3 E3 F3 G3 H3 I3

D3 E3 F3 G3 H3 I3

12. Click the Submit button when you are finished. 13. Review the information and click the Submit button.

Commercial: Creating a Batch List

Commercial Upload Batch File

You can import a balanced NACHA format file to create an ACH batch. • NACHA files are not processed as uploaded into the system. The system is extracting the information needed to create an ACH batch. • The import uses the name and the order of the file to create recipients and amounts • You can include a recipient multiple times to create multiple payments • The payments can be to the same account or a different account

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

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

In the Cash Manager tab, click ACH then click Upload . 1. Click the Choose File button and select the file you would like to upload. 2. Click the Upload button to upload the file. 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

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

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

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

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

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

A1 B1 C1 D1 E1 F1 G1 H1 19c

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

A2 B2 C2 D2 E2 F2 G2 H2 19d

A3 B3 C3 D3 E3 F3 G3 H3 I3

Commercial: Upload Batch File

Commercial

This page displays the current status of an uploaded file and allows you to refresh the status shown and view details of files that have been successfully uploaded. File Status

In the Cash Manager tab, click File Status .

Commercial: File Status

Commercial Editing a Batch

You can edit the information in a batch.

11 12 21 22 1 2 K L U V A B

11 12 13 14 21 22 23 24 1 2 3 4 K L M N U V W X A B C D 1a 2a 1b 2b 1c 2c 11a 12a 1d 2d 1a 2a 3a 4a 1b 2b 3b 4b 1c 2c 3c 4c 11b 12b A1 B1 A2 B2 A3 B3 1d 2d 3d 4d

In the Cash Manager tab, click ACH . 1. Find the batch you want to edit, click the icon and select “Edit.” 2. Make the necessary changes and click the “Edit” link to edit a recipient if necessary. Click the Submit button.

11a 12a 13a 14a

11b 12b 13b 14b

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

Commercial: Editing a Batch

Commercial Deleting a Batch

You can delete a batch that is no longer needed.

11 12 21 22 1 2 K L U V A B 1a 2a 1b 2b 1c 2c

11 12 13 21 22 23 1 2 3 K L M U V W A B C 1a 2a 3a 1b 2b 3b 1c 2c 3c

In the Cash Manager tab, click ACH . 1. Find the batch you want to delete, click the

1d 2d

icon and select “Delete.”

11a 12a

2. Click the Delete button.

11b 12b

A1 B1 A2 B2 A3 B3

1d 2d 3d

11a 12a 13a

11b 12b 13b

A1 B1 C1 A2 B2 C2 A3 B3 C3

Commercial: Deleting a Batch

Commercial

Initiating an ACH Template

Templates are a quick way to send a recurring payment.

11 12 21 22 1 2 K L U V A B 1a 2a 1b 2b 1c 2c

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 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 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 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 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

11a 12a

11b 12b

A1 B1 A2 B2 A3 B3

In the Cash Manager tab, click ACH . 1. Find the transaction you want to initiate, click the J KLMNOPQRST U V W X Y Z A B C D E F G H I A1 B1 C1 D1 E1 F1 G1 H1 19c A2 B2 C2 D2 E2 F2 G2 H2 19d A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 19c A2 B2 C2 D2 E2 F2 G2 H2 19d A3 B3 C3 D3 E3 F3 G3 H3 I3 “Initiate.” 2. For one-time payments select an effective date. 3. For recurring payments: a. Use the drop-down to select a frequency. b. Select a day of the month. c. Enter a start date and expiration date. 4. Check the box to reset amounts to $0.00 after processing the batch. 5. Click the Initiate button. 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 19c J2 A2 B2 C2 D2 E2 F2 G2 H2 19d 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 A1 B1 C1 D1 E1 F1 G1 H1 19c J KLMNOPQRST U V W X Y Z A B C D E F G H I J3 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 J1 J2 J1 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 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 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 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b icon and select

A1 B1 C1 D1 E1 F1 G1 H1 19c

A2 B2 C2 D2 E2 F2 G2 H2 19d

Commercial: Initiating an ACH Template

A2 B2 C2 D2 E2 F2 G2 H2 19d

A3 B3 C3 D3 E3 F3 G3 H3 I3

Commercial

With Business Online Banking, you can initiate a local, state or federal tax payment through the Electronic Federal Tax Payment System (EFTPS) without ever leaving your home or office. Tax Payment

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

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

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 J2 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 J3

In the Cash Manager tab, click ACH then click Tax Payment . 1. Select federal or your state from the “Pay To” drop-down. 2. Enter your tax payment information. 3. Click the Submit button when you are finished. 4. Review the information and click the Submit button. A2 B2 C2 D2 E2 F2 G2 H2 19d 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 19c 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 19c J2 J3

A2 B2 C2 D2 E2 F2 G2 H2 19d

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

A1 B1 C1 D1 E1 F1 G1 H1 19c

A2 B2 C2 D2 E2 F2 G2 H2 19d

A3 B3 C3 D3 E3 F3 G3 H3 I3

Commercial: Tax Payment

Commercial

Viewing ACH Transaction History

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 11 12 13 1 21 22 23 2 1 2 3 4 K L M U V W A B C 11 12 13 14 21 22 23 24 1 2 3 4 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 1a 2a 3a 1b 2b 3b 1c 2c 3c 1d 2d 3d 4d 5d 6d 7d 8d 9d 1d 2d 3d 1a 2a 3a 4a 1b 2b 3b 4b 1c 2c 3c 4c K L M N U V W X A B C D 11a 12a 13a 14a 15a 16a 17a 18a 19a 11a 12a 13a 1 A1 B1 C1 D1 E1 F1 G1 H1 19c A2 B2 C2 D2 E2 F2 G2 H2 19d A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 A2 B2 C2 D A3 B3 C3 11b 12b 13b 14b 11a 12a 13a 14a 1d 2d 3d 4d 11b 12b 13b 14b 15b 16b 17b 18b 19b 11b 12b 13b 1

Users can view ACH transaction history in the Activity Center.

In the Cash Manager tab, click ACH then click History . A. Click a “date range” link to change the date range that is displayed. B. Click the “Search” link to search for a specific transaction. C. Click the “View” link next to the transaction you would like to view to see additional details.

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

Commercial: Viewing ACH Transaction History

Commercial

Searching ACH Transactions From this page, you can search for ACH batch records within an ACH batch using specific search criteria such as ACH batch name, ACH company name, or batch record amount.

J1 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 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

In the Cash Manager tab, click ACH, then click Search . 1. Enter information into at least one data field. 2. Click the Search button.

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 19c

A2 B2 C2 D2 E2 F2 G2 H2 19d

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

A3 B3 C3 D3 E3 F3 G3 H3 I3

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

J A1 B1 C1 D1 E1 F1 G1 H1 19c J2 A2 B2 C2 D2 E2 F2 G2 H2 19d J A3 B3 C3 D3 E3 F3 G3 H3 I3

Commercial: Searching ACH Transactions

Commercial

Reports Overview You can keep up with all the incoming and outgoing transactions within your accounts using the Reports feature. Viewing a report on certain transactions can prevent errors and make bookkeeping easy. There are several types of reports available: • Prior Day: This page displays prior day account information for the selected account. • Current Day: This page displays current account information for the selected account. • Position: From this page, you can download, save to a file, and view cash management data consisting of prior day balance and transaction totals. • Activity: This report delivers detailed cash management reporting with multiple search criteria. • Summary: This report delivers a summary of activity. • Positive Pay: This report filters processed checks by their status and exception reason. • Saved: This report saves previous search criteria that can be accessed at any time.

Commercial: Reports Overview

Prior Day Report This report displays prior day account information for the selected account.

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 J2 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 In the Cash Manager tab, click Reporting then click Prior Day . 1. Use the drop-down to select an account. 2. The report will display below. A2 B2 C2 D2 E2 F2 G2 H2 19d J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 19c

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 19c

A2 B2 C2 D2 E2 F2 G2 H2 19d

A3 B3 C3 D3 E3 F3 G3 H3 I3

Commercial: Reports Overview

Current Day Report This report displays current day account information for the selected account.

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 J2 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 In the Cash Manager tab, click Reporting then click Current Day . 1. Use the drop-down to select an account. 2. The report will display below. A2 B2 C2 D2 E2 F2 G2 H2 19d J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 19c

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 19c

A2 B2 C2 D2 E2 F2 G2 H2 19d

A3 B3 C3 D3 E3 F3 G3 H3 I3

Commercial: Reports Overview

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