Byline Bank Business Online Banking

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Your Guide to Business Online Banking

Welcome to Business Online Banking!

Convenience. All from one place—your computer, mobile phone or tablet. This guide will help explain how Business Online Banking can help manage your finances, while updating you on how our new Business Online Banking works. Use this guide for what you need—a quick reference or for in-depth detail into the new system.

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 this financial institution 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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Table of Contents

General Information Security . . . . . . . . . .2 Getting Started & Logging In . 3 Accounts Account Overview . . . . . .4 Account History . . . . . . 5 Account Downloads . . . . .6 Transactions Single Transfer Funds . . . .7 Bill Pay Overview . . . . . .8 Single Payment . . . . . . 9 Add External Account . . . .10 External Transfers . . . . . 11 Scheduled Transactions . . .12 Small Business Payroll . . . 13 Recurring Payments . . . . 14 Recurring Transfer Funds . . 15 Transaction History . . . . .16 Calendar . . . . . . . . .17 Bill Pay Management . . . .18 Commercial ACH Payment . . . . . . .19 ACH Batch Approval . . . . 21 Tax Payment . . . . . . . 22 ACH Import . . . . . . . .23 Activating Batch . . . . . .25 Wire Transfer Domestic . . .27 Wire Transfer International . .28 Services System Mail . . . . . . . 29 Address Change . . . . . .30 Stop Payment . . . . . . .31 Preferences Alerts . . . . . . . . . .32 User Preferences . . . . . 33 User Rights . . . . . . . .34 Adding a User . . . . . . .35 Fraud Detection . . . . . . 36 Introduction . . . . . . . .37

Positive Pay & Payee Positive Pay . . . . .38 Reverse Positive Pay . . . .40 ACH Filters . . . . . . . .41 Partial Check Reconciliation . 42 Full Check Reconciliation . . 43 Business Online Banking . . 44 Reverse Positive Pay . . . .59 ACH Filters . . . . . . . .60 Lockbox Online Viewer . . . 61 Welcome . . . . . . . . .62 Logging In . . . . . . . . 62 How to View Lockbox Images and Information . . . . . . 63 • Main Menu . . . . . . 64 • Batch Index . . . . . .65 • Batch Detail . . . . . .66 • Item Image and Information . . . . . . 67 • Search Menu . . . . . 68 • Output Spreadsheet . . .69 • PDF File Output . . . . 70 Remote Deposit Capture . . .71 Getting Started & Logging In .72 Creating a Deposit . . . . .73 Scanning a Check . . . . .74 If an Item Piggybacks . . . .75 If an Item Jams . . . . . . 75 Processing Exceptions . . . 76 MICR Exceptions . . . . . 77 IQA Exceptions . . . . . . 78 Duplicate Exceptions . . . .79 Balancing Deposits . . . . .80 Creating Reports . . . . . 81 Adding a Secondary User . . 82 Maintaining a Secondary User . . . . . .84 Deactivating Secondary User . . . . . .85 Rejected Deposits . . . . .86 Deposit Adjustment . . . . .87

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Security There is nothing more important to us than knowing that your online financial transactions are private and secure. Our systems are secured with encryption, perimeter and internal firewalls, screening and filtering routers, intrusion detection, strict authentication, virus protection, as well as application security. Application security includes processes for issuing one-time passcodes (OTP), user lockouts due to failed login and additional encryption of sensitive user data during sessions. Our network architecture is structured so the servers that store actual account information are not directly connected to the Internet. Confidentiality Security is strengthened by your efforts in keeping all account and login data confidential. Never share your password with anyone and never include account specific details within an unsecured email. Passwords The most secure passwords are those which use a combination of both alpha and numeric characters. Avoid using easily obtained personal data within your password, such as initials and birth dates or loved ones’ names. Enhanced Login Security In addition to password security, additional security steps to verify your identity have been installed on our system called Enhanced Login Security. Part of this identification process includes recognizing the computer you normally use to access Business Online Banking. This information, coupled with your normal login details, is incorporated into your online identity profile. These additional security features are a big step in the process of creating a safe and secure online session. Sign Off If you must step away from your workstation for even a moment while using the online system, be sure to sign off from your session to ensure your account data is not reviewed or altered by unauthorized individuals. Note: For increased security, the navigation of each user’s login can be customized to display only the functions to which they have been granted access.

Byline Bank Business Online Banking

Getting Started & Logging In To get started with Business Online Banking, simply open your web browser and enter business.bylinebank.com in the address bar. Compatible browsers include Internet Explorer ® , Chrome ™ , Safari ® or Firefox ® .

1 To begin logging into Business Online Banking, enter your Customer ID within the required field displayed. 2 Next, enter your User ID.

3 Enter your Password. Passwords are case sensitive. 4 Click Login .

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Account Overview Get acquainted with the control you have on your accounts! Within the Dashboard screen, you can view your Account Summary, make a quick transfer, view investment accounts and view users and preferences.

1 Account names and each amount will be viewable for your reference under the Deposits panel. Click the box displaying “ – ” to collapse the list. 2 Click the box displaying “ – ” to expand and view your Investment accounts. Investment accounts will be displayed the same as the deposit accounts.

3 This panel allows you to view the User(s) assigned to your account.

4 Complete a quick Transfer between your accounts with a few quick steps from this panel.

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Account History From the Account History screen, you can search and view your recent transactions in greater detail. You may begin with the Dashboard screen or use the menu. Path: Reports >> Balance Reporting >> Account History

1 The upper panel on the next screen allows you to enter search criteria to explore your transactions. Simply enter the date range, category, the account, account type, as well as the amount and check number range (From and To). Click Submit to enter and reveal your search criteria. 2 Click “ + ” or “ – ” to expand or collapse account details or click Expand All or Collapse All located in the upper right side of this panel.

3 Use the buttons displayed to either save account information as a “Favorites” or frequently used, export the information into another electronic format or print the page.

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Account Downloads Downloading your account information to Quicken ® or Quickbooks ® makes budgeting and money management easier than ever! Your DirectConnect login name is a combination of Customer ID and User ID, as well as your current Business Online Banking password. Path: Reports >> Balance Reporting >> Transaction Download

1 Select the account or transaction you would like to download. 2 Enter the account or transaction date range within the required fields or simply use the convenient calendar feature.

3 Choose which method you would like to use to download your account or transaction information. Click Reset to clear.

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Single Transfer Funds Move funds from a savings or checking account from this institution to another internal account. Path: Payments >> Transfers >> Transfer Input

1 Choose the account funds will be debited from. 2 Choose the account where funds will be deposited.

3 Click Submit .

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Bill Pay Overview With Bill Pay, it’s safe, fast and easy to manage your finances on your own terms. Now you can do everything you need to from home, work or anywhere you have internet access. Plus, you’re not limited to business hours—Bill Pay is open 24 hours a day, 7 days a week! Path: Payments >> Bill Payments >> Bill Pay You will be prompted to click Login to iPay BillPay .

The first steps on pages 8 through 17 will help you further navigate through Bill Pay.

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Single Payment Process a one-time payment for one or more payees from a single screen. There’s no need to hassle with checks, stamps and envelopes— send the payment with a few clicks of your mouse.

1 Click Payments from the top menu. 2 Select Single Payment .

3 From the menu links that appear, click For a Bill to make a single payment to a payee.

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Add External Account In order to move funds out of your Byline Bank account and into an account outside of this institution, you must first add the external account into the system.

1 Click Transfers from the top menu. 2 Select Transfer Accounts . Then, click Add Account . 3 From the next screen, you will want to choose “ At Another Institution ” and then click “ go there now ”.

4 Next, enter all of the necessary information in the required fields, including the account holder’s name and nickname, as well as the routing and account number. Click Submit . Note: All accounts added by the customer will not be available for use until the account is approved by the bank.

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External Transfers Complete the transfer process between accounts outside of this institution, such as another bank or credit union.

1 Click Transfers from the top menu. 2 Select Single Transfer . 3 Next, select the transfer From account from the drop-down menu. 4 Select the transfer To account.

5 Enter the amount and date within the required fields. 6 Click Submit .

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Scheduled Transactions Scheduled transactions can be easily reviewed, edited or canceled using our online system.

1 Click Transfers from the top menu. 2 Select Scheduled Transactions . 3 To begin editing a scheduled transaction, click Edit next to the payment you wish to alter.

4 From the next screen, you can change the account the funds are coming from, the amount and/or the date you wish for the transaction to process, depending on your needs. 5 Click Submit when finished.

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Small Business Payroll Process payments to all your employees from one convenient screen. Paying employees by direct deposit is a time-saving convenience for both you and the employee. There are three steps you must complete before using your payroll system, and any information is saved as you progress so you may finish the required steps at another time.

1 Click Payments from the top menu. 2 Select Payroll Deposits . 3 There are three steps for completing a payroll setup: Setup Payroll Schedule, Add Employees and Schedule a Deposit. Click Go there now to begin from the first step. 4 Provide all relevant information and click Submit .

5 Next, enter employee’s personal and account information in the required fields. Click either save and add another or just save . 6 Then, schedule your payroll deposit on the next step and carefully review all of your entered information for accuracy.

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Recurring Payments For bills that occur on a regular basis and have the same payment amount each time, such as your mortgage or car loan, you can save time by setting up automatic recurring payments. You’ll have the convenience of automatic payments but the flexibility to cancel or change the details as needed.

1 Click Payments from the top menu, then select Recurring Payment . 2 Under the Recurring Payment menu, choose For a Bill . 3 Select a payee from the Payee List. 4 Choose Pay From account by using the drop-down menu, then enter the Amount.

5 Choose the Frequency of the payment by using the drop-down menu. 6 Indicate how long the transfer should continue. 7 When finished, click Submit . You will see your payment confirmed.

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Recurring Transfer Funds Do you wish you could remember to transfer money to your savings account each month? Are you in the habit of transferring money to your checking account when you sit down to pay your bills? Recurring transfers make life easy by automating this task on a date that you specify.

1 Click Transfers from the top menu, then select Recurring Transfer . 2 Select the account you wish to transfer to and from by using the drop-down menus. 3 Enter the amount of the transfer.

4 Choose the Frequency of the transfer by using the drop-down menu. 5 Indicate how long the transfer should continue. 6 Click Submit when finished. Your transaction will be confirmed.

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Transaction History View your Transaction History with a few simple clicks of your mouse. Once bills are paid, you may conduct specific searches to view and sort your payment history.

1 Click Transfers from the top menu. 2 Select Transaction History . 3 To view the history of your choice, select the relevant information using the drop-down menus.

4 Next, click View to display your search results.

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Calendar With the Calendar feature, you can easily keep track of payments, transfers and deposits through a simple month-by-month calendar. Within the date, you can click on the amount shown and view more details, so you are never in the dark.

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Bill Pay Management Manage your Bill Pay accounts, whether it be editing, adding or deleting an account altogether. Path: Payments >> Bill Payments >> Bill Pay You will be prompted to click Login to iPay BillPay .

1 Click Options from the top menu. 2 Select Manage Bill Pay Accounts . 3 A screen with two tabs will appear: Bill Pay Accounts and Add New Account. Use the radio button on the Bill Pay Accounts tab to determine which of your accounts will be the default account. 4 Click the appropriate link to either edit or delete an account.

5 To add a new account, select the Add New Account tab. 6 Enter the required information in the spaces provided. Click Submit . 7 You will then receive a confirmation message when you have successfully added an account.

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ACH Payment Business Online Banking allows you to send and collect funds through ACH Origination. An ACH payment is a one-time payment commonly used to expedite direct deposit of payroll, pay bills or transfer funds from other financial institutions. Path: Payments >> ACH >> Batches

1 To search for an existing batch, enter the filter information in the spaces provided and click Search . 2 To add a new batch, click Add a Batch . 3 On the next screen, click Add a Recurring Payment for scheduled automatic ACH payments.

4 Enter the new batch information in the required spaces and drop- down menus. 5 Next, select the start date and time for the new batch. 6 If a recurring payment, select the frequency by clicking the corresponding button. Click Add Batch .

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ACH Payment continued Batch Activation Path: Payments >> ACH >> ACH Batch Activation

7 Click Edit to add, modify or delete participants. 8 Select the payment entry you would like to activate. Then, click Activate Selected .

9 You will then receive a confirmation screen if the payment was activated successfully. Click OK to finish.

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ACH Batch Approval An activated batch must be approved by the same user for setups with no dual control. A different user must approve the batch if dual control exists. Path: Payments >> ACH >> ACH Batch Approval OTP – One-time passcode is required to enter batch approval page.

10 Select the payment entry you would like to activate.

11 Click Approve Selected .

Once a batch has been approved, a file confirmation email must be sent to businesssystems110@bylinebank.com . The email should contain the following information: • Your company name • Number of items (entries)

• Total amount of file • Effective date of file

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Tax Payment Never run to the local branch with a tax payment check again. Initiate a Federal or State tax payment through normal ACH CCD Addendum up to 30 days in advance from your home or office.

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ACH Import Utilize the ACH Import feature to upload NACHA formatted files, instead

of manually entering this information. Path: Payments >> ACH >> ACH Import

1 In the provided spaces and drop- down menu, enter filter information to search for an import map code, name or format. Click Search . 2 Results will appear as shown. Click the folder icon (if displayed) to begin importing ACH information to the desired map.

3 Choose an import type. 4 Next, browse for a file by clicking Choose File . 5 Click Import File to begin uploading the file information.

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ACH Import continued

6 To view the batch that was imported you must click on View Import Results found on ACH Import page. 7 You can review the batch which was just imported. If the status shows “Failed” you must correct the errors on your NACHA file and import again. Click Delete before you import a new NACHA file. If the status below shows “Passed or OK W/Warnings” you would be able to Accept the batch and proceed.

8 After clicking on the Accept check mark image above. You will need to add a Batch Code. Then click on Accept Batch . Then click OK .

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Activating Batch Path: Payments >> ACH >> ACH Activation

1 Click on Edit to view the details of the batch. 2 Select the offset account by clicking on the drop-down arrow.

3 Select Save Changes to this Activation Only . 4 Then click on Update Batch .

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Activating Batch continued

5 This batch is now ready to activate. Click back on Payments then Batch Activation . Make sure the correct Effective Entry Date is showing. 6 Check the box for the batch. Then click on Activate Selected .

7 You will then receive a batch activation confirmation, this informs you that an approval is still required. Click on OK .

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Wire Transfer Domestic Wire Transfer service is used for creating one-time and template payments. A wire is an immediate way to pay funds electronically the same day but can also be scheduled to occur in the future. A wire is a more immediate payment instrument than an ACH transaction and generally involve larger payments and/or a shorter payment schedule. Path: Payments >> Wires >> Wire Input

1 Select the account from which you would like to send a wire. 2 On the next screen, click the button for Domestic . 3 To create a new wire template, click Create Template .

4 Enter the information for the beneficiary, or who will be receiving the wire, in the required spaces. 5 Enter the bank information for the beneficiary in the required spaces. 6 Click Submit .

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Wire Transfer International International Wire Transfers are intended for moving funds between financial institutions located outside of the U.S. Transfers can be scheduled for the current day or a future date. Pending transfers can be reviewed or deleted. Path: Payments >> Wires >> Wire Input

1 Select the account from which you would like to send a wire. 2 On the next screen, click the button for International . 3 To create a new wire template, click Create Template .

4 Enter the information for the beneficiary, or who will be receiving the wire, in the required spaces. 5 Enter the bank information for the beneficiary in the required spaces. 6 Click Submit .

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System Mail System mail allows you to securely communicate with the bank and exchange sensitive information and documents. Review system mail frequently to see communication from the bank. Path: Other Services >> System Mail

1 To begin sending a new email message, click the Send Mail link. 2 A drop-down menu is available for viewing your mail options, such as your Inbox, Sent Items and Trash. 3 Once you have selected a received message entry, the drop-down menu will allow you to choose where to move the item for optimal organization. Click Move to proceed.

4 If you are sending a new message, use this space to determine the recipient. Click Address Book to utilize saved contact information. 5 Click Choose File to send a file with your message. Next, enter the subject in the provided space. Then, enter your message details in the

space next to Comments. 6 Click Send File to finish.

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Address Change Maintaining current information on your account is very important to us. It allows us to get in touch with you the moment we notice any suspicious activity, keep you up-to-date with any account changes and simply guarantee that your monthly statement is being delivered to the correct address. Path: User Administration >> Administration >> Self Admin Submit a message via System Mail or contact cashmanagement@ bylinebank.com anytime you are updating your contact information so that we may validate the change in the system.

1 To begin editing address information, simply click a user’s corresponding Edit link. 2 On the next screen under User Name and Address, simply enter the new address in required spaces.

3 Click Submit when finished.

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Stop Payment Placing a Stop Payment for individual or a range of checks is an option within Business Online Banking. If you notice you are missing checks, please contact us as quickly as possible so that we can take the proper precautions to maintain the highest level of security against identity theft and fraud. Path: Other Services >> Stop Payment

1 Begin by either using the provided spaces to search for the desired account pertaining to the stop payment or select from the list. 2 Enter the check number or range along with the amount issued. 3 Using the drop-down menu, select a reason for the stop payment. Next, enter the issue date and the payee.

4 Click Submit to proceed. 5 You will then receive a confirmation screen if the stop payment was completed. Click Return to go back to the previous screen.

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Alerts Alerts allow you to be in-the-know with your account balances, transactions and a variety of other alerts. You can even be alerted when a transaction takes place at a specified retailer. Depending on your preference, we will send you an email, a text message, phone call or a secure message when the alerts you choose are triggered. Path: Other Services >> Alerts >> Alerts

1 From the drop-down menu, select the time zone in which you reside. 2 In the provided spaces, enter a number for either your work phone, mobile phone or both. Include any extensions as well. Use the options under “Quiet Times” to determine the optimal time for alerts. 3 Enter the desired email address in the space provided and click the Wireless Text link if you would like to set up text alerts.

4 From the drop-down menu, select an another optional contact point and click Add to set up new information. 5 Click Next to continue.

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User Preferences The User Preferences feature allows you to update your online user profile. Just like the Address Change feature changes your contact information at the account level, this will only update your information within your online user profile. Path: User Administration >> Admin >> User Admin

1 From the User Administration panel, use the drop-down menu to control how many users are displayed. 2 Select Add User to set up a new user to your account.

3 Click the icon under Detail to view information pertaining to the user. Select the icon under Edit to open an edit screen to alter any user’s information (see Address Change and User Rights).

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User Rights Once you have added a User, you can allow access to specific accounts, determine the transaction rights and assign limits to the number and amount of the transactions allowed. Path: User Administration >> Admin >> User Admin

1 To begin assigning rights to a user, simply click a user’s corresponding Edit link.

2 On the next screen under Service Info, place a check mark next to the particular rights and services you would like to allow for the user. Click Submit when finished.

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Adding a User Path: User Administration >> Admin >> User Admin OTP – One-time passcode is required.

1 Click on Add User . 2 On the next screen, assign a Unique Customer Code which will be the User ID. Add the New Users Name, phone number and email address. Under Service Info, place a check mark next to the particular rights and services you would like to allow for the user. Click Submit when finished.

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Fraud Detection Getting Started Guide

Introduction Payments Fraud is a growing problem. In 2015, 73% of companies reported actual or attempted fraud. Check payments remain the most common form of fraud followed by ACH fraud. At Byline Bank, we’re committed to ensuring our customers have the right solutions to help prevent fraud and protect their business. Thank you for choosing Byline Bank as your fraud management partner. We know you will find our products effective and easy to use. The next few pages will provide an overview of all available solutions. For more information or to schedule a detailed demo, please contact Cash Management Services.

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Positive Pay & Payee Positive Pay Byline Banks’ Positive Pay service helps your company control losses from check fraud. Because we only honor checks that match the information provided by your business, you can feel confident only authorized payments will remain paid. A default decision (e.g. “pay” or “return”) is selected at implementation. How it Works 1 Each time your company issues a check(s), an issue file must be created and sent to the bank. The file contains the check number, dollar amount, issue date and *payee name. Tip: The check issue file should be submitted to Byline Bank on the same day the checks are written. *Payee name is only required with the Payee Positive Pay service. 2 As checks are presented for payment, they are verified against your issue file. 3 Each day you will receive a report via Business Online Banking listing checks presented for payment that do not match the check issue data. This list will be delivered to you by 9:15 AM CT (known as the “notification deadline”). 4 You tell us to pay or return the suspect item(s) by logging into Business Online Banking. If we do not hear from you by 12:00 PM CT (known as the “decision deadline”), we will follow the default disposition instructions you selected during setup. 5 If requested, at the end of your statement cycle, the account reconciliation team will prepare a full or partial check reconciliation for your account.

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You can select a message by text or phone advising that your positive pay/payee positive exceptions are ready for review. Positive Pay Process: Positive Pay Process

Check presented for payment

Check given to payee

Customer issues check

Validated against issue file

Issue file sent to Business Online Banking

Exception items presented to customer using Business Online Banking

Disposition Instructions

Pay

No Response

Return

Default instructions on file are implemented

Item remains posted on the account

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

Item(s) reconciled for cycle-end reports, if client subscribes to full or partial check account reconciliation

Maximum Dollar Notification You can specify the maximum dollar amount (e.g. $10,000) for which a check should be paid. In the event a check is presented for payment that exceeds the maximum dollar amount you specified (e.g. $100,000), the check would be included in your exception notification with the exception notification with the exception reason listed as “above

maximum dollar amount.” Stale Date Notification

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You can specify for a check to be paid within a specific period of time (e.g. six months from issue date). In the event a check is presented for payment that exceeds the specified pay period, the check will be included in your exception notification with the exceptions reason listed as “stale dated item”.

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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 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

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ACH Filters Byline Bank’s ACH Filters helps your company monitor and control electronic payments coming to and from your account. You are in control by blocking all activity on an account basis, or setting up rules that determine which activity is allowed and which types of activity create an exception. Whenever an exception is noted, you will receive a notification and have the opportunity to review in Business Online Banking before making a decision to pay or return that item. When combined with Payee Positive Pay, your accounts can be protected from criminal or unauthorized activity. How it Works 1 When you set up the service, you will specify which accounts should never have ACH activity and will automatically have all debits blocked without need for any further action. Tip: Many business clients will limit the number of accounts that can accept ACH debits and block all activity from other accounts. This is a good practice for limiting risk, and also can save time monitoring activity 2 For other accounts, you may select different filters that determine which types of ACH transactions are allowed. For example, you may request exceptions over a specified dollar amount, or you may require a single approval or dual approval. 3 Each day, Byline Bank compares the ACH activity in your account to the filters you have designated. If an exception exists, you will be notified in the manner you have specified, either voice or text. 4 Once notified, securely login to Business Online Banking and view the details of the exception. You will then have a chance to decide whether to pay or return the transaction. 5 You may request to adjust your filters as needed to reflect your changing business. Byline Bank’s Customer Solutions Center is available to assist.

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Partial Check Reconciliation Having Byline Bank verify your bank statements saves you valuable time and enhances your audit controls. With partial check reconciliation, Byline Bank provides a listing—either as a paper report or electronically—of all paid items during the reconciliation cycle. This list can be sorted by check serial number or by paid date. How it Works 1 Your company continues to issue checks, originate wire transfers, etc. as usual. 2 At the end of your statement cycle, the Cash Management Operations team reviews all the items that have posted to your account and will make corrections as necessary. 3 Within ten business days of your statement cutoff date, you will receive: your bank statement and a list of all paid items (available in electronic or paper format).

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Full Check Reconciliation Full check reconciliation takes partial check reconciliation further by having Byline Bank perform the reconciliation process for you. With full check reconciliation, we match paid items with the items your company has issued. You will receive a report that lists the paid checks, and outstanding checks—all sorted by check serial number or paid date. All reports available for partial (paid) check reconciliation are also available for full reconciliation. How it Works 1 As your company issues checks, you provide an issue file to Byline Bank. This file contains the payee, check number, dollar amount, and issue date. 2 At the end of your statement cycle, the account reconciliation team matches paid items to the issue file and then produces a report. This report is balanced with your bank statement to ensure there are no discrepancies. 3 Within seven business days of your statement cutoff, date, you will receive the following: A.) Your bank statement B.) A list of all paid items, items paid without a corresponding issue record, called items, stop payment items, voided items and outstanding items C.) If requested, an electronic file of all items referenced above which may then be imported into your in-house accounting system

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Business Online Banking Log in to Business Online Banking to begin using the Fraud Management Services. From the main page, select Disbursement to display the services you have been entitled to. Below is a detailed overview of each function.

Exception Report Whenever an exception occurs, a system generated alert will be issued before 9:15 AM CT which means you must log in to review and disposition each exception with a Pay/Return decision prior to 12:00 PM CT (Noon). Each of the authorized accounts will be displayed in the Account List. Click on the account you would like to review, then select the Report Criteria that works best for you. An exception report will be presented after you click submit.

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