Byline Bank Business Online Banking

Reverse Positive Pay Reverse positive pay is a service in which Byline Bank provides you with a daily list of checks presented for payment against your company’s account(s). You control which checks clear accounts by notifying us of which checks to pay and which ones to return. All checks remain paid unless you specifically instruct us to return an item. How it Works 1 Each day, via Business Online Banking, a list of checks clearing your account will be posted for your review. 2 You perform a daily match of paid checks to your check register (list of issued checks). Tip: If an item does not match, it may be due to an encoding error made during item processing. Viewing an image of the item will determine if the mismatch is due to an encoding error. 3 You tell us which items you wish to return by logging into Business Online Banking by the decision deadline of 12:00 PM CT. If we do not hear from you by the decision deadline, all items will remain paid. 4 We send your returned checks to the bank of first deposit and credit your account. Reverse Positive Pay Process Reverse positive pay is a service in which Byline Bank provides you with a daily list of checks presented for payment against your company’s account(s). You control which checks clear accounts by notifying us of which checks to pay and which ones to return. All checks remain paid unless you specifically instruct us to return an item. How it Works 1. Each day, via Business Online Banking, a list of checks clearing your account will be posted for your re- view. 2. You perform a daily match of paid checks to your check register (list of issued checks). Tip: If an item does not match, it may be due to an encoding error made during item processing. Viewing n y b o g an image of the item will determine if the mismatch is due to an encoding error. 3. You tell us which items you wish to return by logging into Business Online Banking by the decision deadline of 12:00 PM CT. If we do not hear from you by the decision deadline, all items will remain paid. 4. We send your returned checks to the bank of first deposit and credit your account. Reverse Positive Pay Process

Reverse Positive Pay

Customer issues check

Check presented for payment

Check given to payee

Paid list presented to customer on Business Online Banking

Disposition Instructions

Pay

No Response

Return

Item remains posted on the account

Item remains posted on the account

Item returned to bank of first deposit. Account credited for check amount

Item(s) for cycle-end report, if customer subscribes to full or partial check account reconciliation

40 Byline Bank Business Online Banking

3639N.Broad- way

7732447000