Western Your Guide to Corporate Online Banking

Y O B H

CORPORATE ONLINE BANKING YOUR GUIDE TO

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2026 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 Digital Banking for Business with Western State Bank! Whether you are at home or at the office using a mobile phone, tablet, or laptop, we strive to make your Digital Banking experience easy and convenient. By adding powerful commercial products and features, Western State Bank provides you with the complex tools your business needs to achieve its goals. Although our Digital Banking for Business 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 Digital Banking process. If you have additional questions, contact us at 888-662-4936.

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Table of Contents Getting Started

Digital Banking for Business Overview.......................................................................8 Users........................................................................................................................................ 8 Recipients................................................................................................................................ 8 Digital Banking for Business Transaction Types................................................................ 9 Logging In.....................................................................................................................10 Logging Off ........................................................................................................................... 10 Resetting a Forgotten Password ...............................................................................11 Retrieving a Forgotten Login ID.................................................................................13 Home Page Home Page Overview .................................................................................................14 Account Summary Overview .............................................................................................. 16 Account Details Overview ..........................................................................................17 Quick Transfer.............................................................................................................19 Account Nickname......................................................................................................20 Details & Settings........................................................................................................21 Account Grouping.......................................................................................................22 Editing a Group Name......................................................................................................... 23 Deleting a Group.................................................................................................................. 23 Security Protecting Your Information......................................................................................24 General Guidelines .............................................................................................................. 24 Login ID and Password........................................................................................................ 24 Fraud Prevention ................................................................................................................. 24 Change Password .......................................................................................................25 Mobile Security Preferences......................................................................................26 Enabling Biometrics............................................................................................................. 26 Enabling Passcode Authentication .................................................................................... 28 Enabling Face ID................................................................................................................... 29 Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login.............. 30 Alerts Overview ...........................................................................................................31 Non-Online Transaction Alerts........................................................................................... 32 Online Transaction Alerts ................................................................................................... 33 Security Alerts Overview ............................................................................................34 Editing Delivery Preferences............................................................................................... 34 Real-Time Alerts ..........................................................................................................35 Setting Up Real-Time Alerts ................................................................................................ 35 Enable/Disable Real-Time Alerts ........................................................................................ 36 Edit Real-Time Alerts............................................................................................................ 37 Real-Time Alerts Notification Settings............................................................................... 38

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Push Notifications.......................................................................................................39 Enabling Push Notifications During Device Setup ........................................................... 40 Editing Push Notifications .................................................................................................. 41 Secure Message Overview .........................................................................................42 Sending a Secure Message ........................................................................................43 Recipients Recipient Overview .....................................................................................................44 ACH Only - Part 1 of 2: Adding a Recipient ....................................................................... 45 ACH Only - Part 2 of 2: Recipient Account Detail ............................................................. 46 ACH & Wire - Part 1 of 4: Adding a Recipient.................................................................... 47 ACH & Wire - Part 2 of 4: Beneficiary FI Detail .................................................................. 48 ACH & Wire - Part 3 of 4: Intermediary FI Detail .............................................................. 49 ACH & Wire - Part 4 of 4: Recipient Account Detail.......................................................... 50 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient ................................................. 51 Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail ............................................... 52 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail ............................................ 53 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail ....................................... 54 Wires Only (International) - Part 1 of 4: Adding a Recipient ........................................... 55 Wires Only (International) - Part 2 of 4: Beneficiary FI Detail ......................................... 56 Wires Only (International) - Part 3 of 4: Intermediary FI Detail ...................................... 57 Wires Only (International) - Part 4 of 4: Recipient Account Detail ................................. 58 Wage Garnishment (ACH) - Part 1 of 2: Adding a Recipient............................................ 59 Child Support........................................................................................................................ 60 Third-Party Tax..................................................................................................................... 61 Wage Garnishment (ACH) - Part 2 of 2: Recipient Account Detail.................................. 62 Editing a Recipient ......................................................................................................63 Editing a Recipient’s Templates.......................................................................................... 64 Deleting a Recipient....................................................................................................65 Payments Payment Template Overview ....................................................................................66 Creating a Template ...................................................................................................67 ACH Batch ............................................................................................................................. 68 ACH Collection...................................................................................................................... 71 Payroll.................................................................................................................................... 74 Domestic Wire ...................................................................................................................... 76 International Wire................................................................................................................ 78 Using a Template ........................................................................................................80 Editing a Template ......................................................................................................81 Deleting a Template ...................................................................................................82

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Sending a Single Payment..........................................................................................83 ACH Batch ............................................................................................................................. 83 ACH Collection...................................................................................................................... 86 Payroll.................................................................................................................................... 89 Splitting a Payment.............................................................................................................. 91 Domestic Wire ...................................................................................................................... 92 International Wire................................................................................................................ 94 Upload From File.........................................................................................................96 Creating a New File Map - Delimited Files ........................................................................ 96 Creating a New File Map - Fixed Width ............................................................................. 99 Using an Existing File Map ............................................................................................... 102 Editing an Existing File Map ............................................................................................. 103 Deleting an Existing File Map........................................................................................... 104 Tax Payments ........................................................................................................... 105 Foreign Currency Wire Send an International Payment ............................................................................. 107 Adding a New Recipient for International Payments ................................................... 110 Reports Reports Overview..................................................................................................... 111 ACH Online Origination.................................................................................................... 112 Company User Activity Report ........................................................................................ 113 Transaction Report ........................................................................................................... 114 Wire Transfer Report - Current Day................................................................................ 115 Wire Transfer Report - Previous Day(s).......................................................................... 116 Company Entitlements Report........................................................................................ 117 ACH Activity Report - Current Day .................................................................................. 118 ACH Activity Report Previous Day(s)............................................................................... 119 Balance and Activity Statement - Current Day .............................................................. 120 Balance and Activity Statement - Previous Day(s)......................................................... 121 Cash Position - Previous Day(s)....................................................................................... 122 Checks Paid Report - Current Day .................................................................................. 123 Checks Paid Report - Previous Day(s)............................................................................. 124 User Defined Report - Current Day ................................................................................ 125 User Defined Report - Previous Day(s)........................................................................... 126 Wire Online Origination Report ...................................................................................... 127 ACH Passthru File Uploads .............................................................................................. 128 ZBA Activity Report - Previous Day(s) ............................................................................. 129 Editing a Report........................................................................................................ 130 Deleting a Report ..................................................................................................... 131 Wire Transfer Reports ............................................................................................. 132

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Transfers & Payments Transfer Money........................................................................................................ 133 Individual Transfers.......................................................................................................... 133 Multi-Account Transfers Overview ................................................................................. 135 Multi-Account Transfers- Creating a Template ............................................................. 136 Multi-Account Transfers- Single Transfer ...................................................................... 138 Editing a Multi-Account Transfer Template .......................................................... 140 Deleting a Multi-Account Transfer Template........................................................ 141 Loan Payments......................................................................................................... 142 Online Activity Overview ......................................................................................... 144 Using Filters ....................................................................................................................... 145 Creating or Deleting Custom Views Using Favorites .................................................... 146 Editing Transactions ......................................................................................................... 147 Viewing, Approving or Canceling a Transaction................................................... 148 Single Transaction............................................................................................................. 148 Multiple Transactions....................................................................................................... 149 Recurring Transaction Series........................................................................................... 150 Services View eStatements .................................................................................................... 151 Statement Delivery .................................................................................................. 152 Stop Payment Request............................................................................................ 153 Multiple Checks ................................................................................................................ 154 Settings Home Page Preferences.......................................................................................... 155 Account Preferences ............................................................................................... 158 Accessibility............................................................................................................... 159 Positive Pay Introduction.............................................................................................................. 160 Managing Exceptions .............................................................................................. 161 Viewing Positive Pay Decisions........................................................................................ 163 Add a Check Confirmation...................................................................................... 164 Submit Issued Check File ........................................................................................ 165 ACH Reporting Quick Exception Processing.................................................................................... 166 Submit Issued Check File ........................................................................................ 169 Add New Issued Check File..................................................................................... 170 Void a Check ............................................................................................................. 171

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Check Search ............................................................................................................ 172 Transaction Extracts ................................................................................................ 174 ACH Transaction Search.......................................................................................... 175 ACH Reporting.......................................................................................................... 177 Daily Checks Issued Summary ............................................................................... 178 Exception Items........................................................................................................ 179 Account Reconciliation ............................................................................................ 181 Check Reconciliation Summary.............................................................................. 182 Deposit Reconciliation Summary........................................................................... 183 Payee Match Report ................................................................................................ 184 Transaction Audit Log.............................................................................................. 185 ACH Authorization Rules Setup.............................................................................. 186 Create an ACH Authorization Rule.................................................................................. 186 Manage ACH Authorization Rules................................................................................... 188 Issued Check File Processing Log........................................................................... 189 Remote Deposit Capture Install Merchant Capture Scanner ......................................................................... 190 Preparing a Deposit................................................................................................. 192 Creating a Remote Deposit..................................................................................... 193 Fix Errors................................................................................................................... 196 MICR field errors ............................................................................................................... 196 Viewing a Scanned Image ....................................................................................... 202 Deleting a Scanned Image ...................................................................................... 203 Deleting a Deposit ................................................................................................... 204 Deposit Threshold Error ......................................................................................... 205 Submitting a Deposit............................................................................................... 206 Remove a Deposit.................................................................................................... 208 Search for Previously Processed Items................................................................. 209 Reports...................................................................................................................... 210 Deposit Status - Definitions .................................................................................... 211 Viewing Deposits...................................................................................................... 212 End of Day................................................................................................................. 214 Business BillPay Overview ................................................................................................................... 215 Adding a Bill.............................................................................................................. 216 Known Company............................................................................................................... 216 Unknown Company .......................................................................................................... 218 Person ................................................................................................................................ 220 Editing a Biller........................................................................................................... 221 Deleting a Biller ........................................................................................................ 222

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eBills .......................................................................................................................... 223 Schedule Payments ................................................................................................. 224 Automatic Payments ............................................................................................... 225 Editing Pending Payments ...................................................................................... 227 Cancel Pending Payments ...................................................................................... 229 Viewing Transaction Details.................................................................................... 231 Single Transaction............................................................................................................. 231 Creating a Reminder................................................................................................ 232 Editing Reminders.................................................................................................... 234 Deleting Reminders ................................................................................................. 235

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Getting Started Digital Banking for Business Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Digital Banking for Business can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art system! Users If your business only needs one person with access to Digital Banking for Business, you can set up a single login ID and password. This is typical for small companies that primarily use basic online banking tools with occasional business transactions. For larger organizations, our system has the flexibility to establish multiple users, with specific access by user. The Western State Bank representative will work with you to determine which employees should have access and what that access should be. Recipients Recipients are people or businesses to whom you send money using a payment feature offered through Digital Banking for Business. 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: Digital Banking for Business Overview

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Various types of payment methods are offered through Digital Banking for Business, including wire and ACH transfers. Though they are both quick electronic payments, wires are the fastest way to transfer money between banks. ACH transactions are processed through the ACH Network using a batch process, and the timing of funds availability depends on the type of ACH transaction and its settlement date. If you are interested in originating ACH or Wires through online banking contact Western State Banks Treasury Management.

Digital Banking for Business Transaction Types

Type

Description

ACH Batch

Send payments to one or many.

ACH Collection

Collect a payment from one or many.

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different

International Wire

country.

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

Payroll

Send federal, state or local tax authority

Tax Payment

payments.

Getting Started: Digital Banking for Business Overview

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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 using a browser you have not previously registered, you need to request a SAC.

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1. Click the Log In button. 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 888-662-4936 for assistance.

Logging Off For your security, you should always log off when you finish your Digital Banking

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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Getting Started Resetting a Forgotten Password

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

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1. Click the Log In button. 2. Click the “Forgot your password?” link. 3. Enter your login ID and click the Submit button.

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 browser.

Getting Started: Resetting a Forgotten Password

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4. Choose the contact method that allows Western State Bank to reach you immediately with a six-digit Secure Access Code (SAC). 5. Enter the SAC and click the Submit button. 6. Create a new password based on our password requirements, and click the Submit button when you are finished.

Getting Started: Resetting a Forgotten Password

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Getting Started Retrieving a Forgotten Login ID

If you happen to forget your login ID, you can easily retrieve it.

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1. Click the Log In button. 2. Click the “Forgot Login ID” link. 3. Enter the required information. 4. Select how you would like to receive your login ID. 5. Click the Continue button.

Getting Started: Retrieving a Forgotten Login ID

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Home Page Home Page Overview

After logging in, you are taken directly to the Home page. Here you can view the balances in both your linked and Western State Bank accounts, see your account summaries and more!

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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 Western State 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 in which your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different Online Banking features. H. Easily view exceptions, your favorite reports and transaction approvals.

Home Page: Home Page Overview

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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.

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A. Use the tabs to view your assets or debts. B. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. C. Each colored piece represents one of your Western State Bank or linked accounts and displays its percentage of total funds and its balance. D. Clicking "Next" or "Previous" lets you view different accounts and details. E. You can click the "View Transactions" link for more information.

Home Page: Home Page Overview

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Home Page Account Details Overview

Selecting a Western State 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.

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Home Page: Account Details Overview

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A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances for that account are displayed in the top right corner. C. The icon opens the search bar to find transactions in that account. D. Transactions can be sorted by date, time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 19 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

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Home Page Quick Transfer

No need to call the bank or come to the 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.

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1. Click the

icon on the right side of an account card and select “Quick

Transfer.” 2. Use the drop-downs to select the “From” and “To” accounts. 3. Enter an amount to transfer. 4. Select a transfer date. 5. (Optional) Click the Advanced Options button to create a recurring transfer or add a memo. 6. Click the Transfer Funds button when you are finished.

Home Page: Quick Transfer

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Home Page Account Nickname

Change an account’s nickname directly from the Home page.

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icon on the right side of an account card and select “Nickname

Account.” 2. Enter a new account nickname. 3. Click the Save button when you are finished.

Home Page: Account Nickname

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Home Page Details & Settings

View additional details about an account and change the account’s visibility.

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icon on the right side of an account card and select “Settings.”

icon to edit the display name. 3. Use the toggles to decide whether or not your account is visible on the Home page and within Financial Tools.

Home Page: Details & Settings

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Home Page Account Grouping

You can organize your internal and linked accounts into groups, so the Home page appears in a way that makes sense to you. These groups can always be changed or deleted to meet your needs.

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1. Create a new group by clicking the 2. Use the drop-down to select an account. 3. Enter the group name. 4. Click the Save button.

icon and selecting “Create new group.”

Home Page: Account Grouping

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Editing a Group Name The names of existing groups can be edited in just two easy steps.

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1. Click icon and select “Edit group name.” 2. Enter a new name and click the check mark when you are finished.

Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page.

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1. Remove an account from a group by clicking and holding an account tile and dragging it to another group and dropping it. 2. Click the Yes, delete button to delete the group after removing the last account in the group.

Home Page: Account Grouping

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Security Protecting Your Information

Here at Western State Bank, we do everything we can to protect your account information and provide you with a dependable online experience. However, we rely on you to take further precautions to ensure the safety of your accounts. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Digital Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Digital Banking when you’ve finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials, birthday or any personal information • Change your passwords periodically and never reuse passwords used for other services. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone, by text or through email. • Shred unwanted sensitive documents, including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 888-662-4936.

Security: Protecting Your Information

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Security Change Password

You can change your Online Banking password at anytime. We recommend changing your password regularly and following our guidelines to create a strong password.

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In the Settings tab, click Update Password . 1. Enter your current password. 2. Create a new password. 3. Reenter your new password. 4. Click the Change Password button when you are finished making changes.

Security: Change Password

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Security Mobile Security Preferences

Within Western State Bank’s app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Digital Banking quick and easy, and also add an extra layer of security to your private information while you are on the go! Enabling Biometrics Biometrics uses fingerprint or face recognition technology, allowing you to perform tasks on your Apple ® or Android™ device with just your fingerprint or facial recognition. With this feature enabled, you can quickly and securely access your accounts using our app!

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Sign in to Western State Bank’s app and tap the Menu button. In the Settings tab, tap Touch/Face ID. 1. Toggle the Biometrics switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your login ID and password, and tap the Authorize button.

Note: You must have fingerprint or facial recognition enabled on your mobile device before enabling it through our app.

Security: Mobile Security Preferences

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4. Scan your fingerprint. a. Apple ® Device : Place your finger on the Home button to enable Touch ID. b. Android ™ Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Mobile Security Preferences

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Enabling Passcode Authentication Create a passcode within our app to quickly and easily sign in and access your funds while on the go!

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Sign in to Western State Bank’s app and tap the Menu button. In the Settings tab, tap Touch/Face ID . 1. Toggle the Passcode switch from “Off” to “On.” 2. Review the information about using a passcode and tap the Create Passcode button. 3. Create your strong passcode using the keypad. 4. Confirm your passcode using the keypad. 5. Enter your login ID and password, and tap the Authorize button.

Security: Mobile Security Preferences

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Enabling Face ID Face ID is a feature that utilizes facial recognition technology, allowing you to unlock your Apple ® or Android™ device with your face instead of a login ID and password.

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Open Western State Bank’s app and tap the Biometrics button. 1. Review the information about using Face ID and tap the Enroll Now button. 2. Enter your login ID and password, and tap the Authorize button. 3. Face ID is now set up. You can now tap the Biometrics button to log in.

Note: You must have facial recognition enabled on your mobile device before enabling it through our app.

Security: Mobile Security Preferences

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Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login You can disable Passcode Authentication, Fingerprint or Facial Recognition Login if you no longer prefer to utilize them. When all features are disabled, you can sign in to your Digital Banking using your user ID and password.

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Sign in to Western State Bank’s app and tap the Menu button. In the Settings tab, tap Touch/Face ID . 1. Toggle the Passcode or Biometrics switch from “On” to “Off.” 2. Tap the Yes button to disable the feature.

Security: Mobile Security Preferences

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Security Alerts Overview

Having peace of mind is critical when it comes to your Digital Banking experience. When you create an alert through Digital Banking, you specify the conditions that trigger that alert, so you stay on top of what’s important to you.

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In the Settings tab, click Alert Settings . A. The "New Alert" drop-down lets you create an account, history, online transaction or reminder alert. B. The icon allows you to collapse or expand alert details for each category. C. Toggling the switch turns an alert on or off without deleting it. D. The "Edit" link lets you make changes to existing alerts.

Note: All alerts are automatically sent through secure messages but you can also choose to receive them by text message, voice call, or email.

Security: Alerts Overview

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Non-Online Transaction Alerts Different types of transactions can occur in your accounts. By creating Non Online Transaction Alerts, for example you can be notified when various wires post to your account.

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In the Settings tab, click Alert Settings . 1. Click the “New Alert” drop-down and select “Non-Online Transaction Alert.” 2. Use the drop-down to select a transaction type. 3. Use the drop-down to select an account. 4. Use the drop-down to select a status. 5. Select a delivery method and enter the corresponding information. 6. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Online Transaction Alerts Different types of transactions can occur in your accounts. By creating Online Transaction Alerts, you can be notified when various transfers, payments or debits post to your account.

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In the Settings tab, click Alert Settings . 1. Click the “New Alert” drop-down and select “Online Transaction Alert.” 2. Use the drop-down to select a transaction type. 3. Use the drop-down to select an account. 4. Use the drop-down to select a status. 5. Select a delivery method and enter the corresponding information. 6. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Security Security Alerts Overview

We want you to feel confident while using Digital Banking. To help you feel safe and in control, Security Alerts are implemented on your accounts to notify you immediately when security scenarios occur.

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In the Settings tab, click Alert Settings , then Security Alerts . A. Toggling the switch turns an alert on or off without deleting it.

Editing Delivery Preferences When a trigger occurs, Security Alerts are always sent to you through secure messages. You can add additional delivery methods to notify you about your accounts wherever you are. In the Settings tab, click Alert Settings , then Security Alerts . 1. Click the “Edit Delivery Preferences” link at the top. These changes will apply to all Security Alerts.

2. Enter the information for your preferred delivery method. 3. Click the Save button when you are finished making changes.

Security: Security Alerts Overview

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Security Real-Time Alerts

Get informed of things happening with your account securely and in real time. For example: To prevent yourself from overdrawing your account, set up a real time alert. An alert notifies you either by text or email if your balance falls below a certain limit or if a transaction exceeds a specific limit.

Setting Up Real-Time Alerts

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In the Settings tab, click Alert Settings . 1. Click the Manage Account Alerts button.

2. Verify that your contact information is correct and click the Next button. 3. Enter the activation code that was sent to you and click the Activate button. 4. Click the Close button when you are finished.

Security: Real-Time Alerts

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Enable/Disable Real-Time Alerts

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In the Settings tab, click Alert Settings . Then click the Manage Account Alerts button. 1. Use the toggles to enable or disable alerts.

Security: Real-Time Alerts

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Edit Real-Time Alerts

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In the Settings tab, click Alert Settings . Then click the Manage Account Alerts button. 1. Select an alert. 2. Use the toggles to enable an alert for an account. 3. Enter any necessary alert information. 4. Select a notification method. 5. Click the Add button.

Security: Real-Time Alerts

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Real-Time Alerts Notification Settings

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In the Settings tab, click Alert Settings . Then click the Manage Account Alerts button. Click the “Notifications Settings” link. A. Use the drop-down to select a time zone. B. Click the Confirm Now button to confirm notification methods. C. Click the “+ Add” link to add a new notification method.

Security: Real-Time Alerts

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Security Push Notifications

You can enroll to receive push notifications for security alerts and secure login multi-factor authentication (MFA). Push notifications are free from the bank. However, your mobile carrier may charge you a fee to receive this faster, more secure alternative to SMS and email. These notifications reduce fraud risk, give you greater control over your preferences, and deliver real-time alerts directly to your device. Push notifications will show up as a banner at the top of your lock screen or in your “notification tray.” You can manage your registered devices in Secure Delivery Contact Information, where you can update device names or remove a device if needed. Important Notes: • In session MFA push notifications for transaction initiation and other high-risk actions are not included. Secure access codes (SAC) via SMS and voice will continue to be used for MFA for these actions. • Push notifications are turned off by default and must be enabled • Users on older versions of the Digital Banking mobile app may need to update their app to access this feature.

Note: This feature is only available when using our mobile app on your device.

Security: Push Notifications

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Enabling Push Notifications During Device Setup You can enable Push Notifications during device setup. If you are using an older version of the app, you may need to update before this feature becomes available. After you log in to the mobile app and authenticate with a Secure Access Code (SAC), the Device Setup page appears, displaying the available authentication features.

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1. (Optional) Check the box to register the device for secure login using Multi Factor Authentication (MFA). 2. Tap the Allow notifications button to allow push notifications on this device. 3. When you enable notifications, a prompt will appear asking you to allow or block notifications for your device. After making your selection, you will be directed to the Home page.

Note: When Push Notifications are enabled, all currently enabled security alerts will also be sent to your registered device as push notifications, in addition to any other delivery methods you have configured.

Security: Push Notifications

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Editing Push Notifications After the initial device setup, you can edit your push notification settings.

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In the Settings dropdown, tap Push Notification Enrollment . 1. Use the “Enable Notifications” switch to enable or disable push notifications. You may also need to enable notifications within you mobile device’s settings 2. Tap the Security Alert Settings tab to edit alerts and their delivery preferences. Go to page 34 for more informations about alerts. 3. Tap the Secure Authentication tab to allow push notifications. Go to page 40 for more information.

Security: Push Notifications

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Security Secure Message Overview

If you have questions about your accounts or need to speak with someone at Western State Bank, Secure Messages allows you to communicate directly with a Western State Bank representative. From the Secure Messages page, you can find replies, old messages or create new conversations.

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D2

D3

Click the Messages tab. A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon. D. You can delete multiple messages at once. 1. Click the “Delete multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permanently delete the selected messages.

Security: Secure Message Overview