Capital Bank Commercial Online Banking Guide

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A Quick and Easy Guide to Commercial Online Banking

Table of Contents

General Information Benefits of Commercial

ACH ACH Overview . . . . . . . 29 Maintain Batch Template . . . 30 Maintain Participant . . . . . 31 Assign Participant to Batch . . 32 ACH Processing Import ACH Data . . . . . . 33 Initiate Batch . . . . . . . 34 Approve/View ACH Activity . . 35 View ACH Activity . . . . . 36 Send ACH File . . . . . . . 37 Wire Wire Transfer Overview . . . . 38 Maintain Template . . . . . . 39 Maintain Template Group . . . 40 Initiate Template . . . . . . . 41 Initiate Template Group . . . . 42 Initiate Freeform . . . . . . . 43 Approve/View Wire Activity . . . 44 View Wire Activity . . . . . . 45 Request Wire Investigation . . . 46 Bill Pay Make Payments . . . . . . . 47 Manage Categories . . . . . . 48 View Report . . . . . . . . . . . . . . . . . 49 Search Records . . . . . . . 50 Manage Funding Accounts . . . 51 Manage Personal Information . . 52 Online Requests Secure Email . . . . . . . . 53 Live Chat . . . . . . . . . . 54

Online Banking . . . . . . . . . . . . . . . 2 Security . . . . . . . . . . 3 Getting Started & Logging In . . 4 General Navigation . . . . . . 5 Administration Add/Change/Remove Users . . . 6 View User Activity Reporting . . . 7 Set Account Name . . . . . . 8 Change Timeout . . . . . . . 8 Change My Password . . . . . 9 Manage One-Time Passcode Delivery . . . . . . 10 Unenroll Computers . . . . . 11 Activate Token . . . . . . . . 11 Set Main Page . . . . . . . 12 Account Activities & Reporting View Account Summary . . . . 13 Create Reports . . . . . . . 14 Run Selected Report . . . . . . . . . . 15 Search Transactions . . . . . 16 Manage Balance Alerts . . . . 17 View Account Statements . . . 18 Positive Pay Overview . . . . 19 Upload Issued Checks . . . . 20 Entered Issued Checks . . . . 21 View Issued Check Register . . 22 Decisions Positive Pay Exceptions . . . . . . . 23 Add Stop Payment . . . . . . 24 View Stop Payment Activity . . 24 Payments & Transfers Account Transfer Add Transfer . . . . . . . 25 Add Recurring Transfer . . . 26 Update Transfers . . . . . . 27 Add Federal Tax Payments 28

A Quick and Easy Guide to Commercial Online Banking

Welcome to Commercial Online Banking! You may access your accounts 24 hours a day, 7 days a week—anywhere an Internet connection is available. This guide is designed to help you navigate through the online system. By utilizing our system features, you’ll find you are able to reduce the amount of time spent managing your finances. We offer a sophisticated set of online tools that can be customized to suit any business, ensuring your cash balances are constantly working hard for you. Our online features will give you an unprecedented level of control, freedom and flexibility.

Thank you!

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 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. *Note: Mozilla Firefox and Google Chrome have very rapid release cycles. Because of this, the certified versions of the internet browser, which was live at the time of the most recent release, can only be guaranteed for compatibility.

St. Louis, MO 63021 www.mcompany.com

Microsoft, Microsoft Money, Windows, Excel, and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Chrome is a registered trademark of Google. Quicken and QuickBooks are registered trademarks of Intuit, Inc. Macintosh and Safari are registered trademarks of Apple, Inc. Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. THIS PRODUCT IS NOT ENDORSED OR SPONSORED BY ADOBE SYSTEMS INCORPORATED, PUBLISHER OF ACROBAT READER. Anti-Virus Protection Info In addition, Capital Bank would like to remind you to keep your business account information protected simply by keeping your anti-virus software and firewall protection updated. You can secure your computer and personal information by utilizing commonly used anti-virus software such as Norton or McAfee. Please visit our website at capitalbank-us.com for additional security information. If you have not recently updated your computer, please make a note to do so for extra protection. If you feel that your account information has been compromised, please contact our Customer Service Center at 1-800-639-5111.

Benefits of Commercial Online Banking 8 Manage all of your Capital Bank accounts from one place

8 Transfer funds between Capital Bank accounts

8 View and search transaction details for any account

8 View images of cleared checks

8 Add a Stop Payment

8 Contact Capital Bank Customer Support via email

8 Pay employees via direct deposit*

8 Originate ACH payments*

8 Make Federal Tax Payments*

8 Administer collections*

8 View and print Online Statements*

8 Request a Wire Transfer*

*Note: Additional documentation is required. Restrictions may apply. All Applicants may not qualify for certain products.

Security Depend on Us for Security

There is nothing more important to us than knowing that our end users’ 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 PINs, 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 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. Signing 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.

Getting Started & Logging In Logging in to online banking is easy. Just launch your web browser and go to capitalbank-us.com and select Commercial from menu to log in.

1 8 Enter your Company ID and Password , User ID and Password , then click Log In . 2 8 If you are logging in from a computer unknown to us, you will be presented with this screen so that you can access your accounts using a temporary Security Code. Select one of the destinations displayed to receive your one-time Security Access Code. The email and voice call options will be available by default. You may enable the Text feature under the Administration Manage One- Time Delivery option once you have successfully logged in to your Commercial Online Banking access. Code from the destination you chose in the field provided. The temporary Security Code is only good for 30 minutes or until your session times out, whichever comes first. 4 8 Choose whether to add security to the computer from which you are logging in. If you choose to bypass the security, you will be required to use a temporary Security Code the next time you log in from this computer. You will be required to set up security for each computer and browser which you log in from to avoid being challenged. 5 8 Click Continue to access your accounts. 3 8 Retrieve the Security Access

Note: As a security measure, if you are the administrator attempting to gain access to your account and use an incorrect ID and/or Password several times in a row, your account will be locked from access. If this occurs, contact us to reset your ID and/or Password for re-entry. If you are a sub-user, please contact your administrator for assistance.

General Navigation Navigating the system is simplified by the main menu navigation bar at the top of your screen. Move your cursor over a menu item to reveal submenu options from which to select. Navigation may vary based on the functions to which you have been granted access.

1 8 Administration Manage Users Manage Company My Profile

2 8 Account Activities & Reporting Account Reporting Statements Reconciliation Services Positive Pay Stop Payments

3 8 Payments & Transfers Account Transfer Federal Tax Payments ACH ACH Processing Wire Transfer Wire Processing Bill Pay

4 8 Online Requests Additional Services

Add/Change/Remove Users The Add/Change/Remove Users option is used to add, modify and delete end-users and assign the services and accounts they can access. This feature controls allow the company administrator to create a “profile” for each user. This profile includes a unique ID and secure Password, as well as permission settings that enable the user to access certain accounts and user-specific services. From the Administration menu, select Add/Change/Remove Users under Manage Users.

Time Delivery option within their Commercial Online Banking login access. 4 8 Select the accounts and functions to grant access to this user. 5 8 For ACH, Federal Tax Payments or Wire Transfer access, enter an amount here to set a user’s daily and transaction limit.

1 8 To add a new user, click New . To edit a user, select the name from the drop-down menu. 2 8 Enter or edit the User Name , User ID , User Password , Confirm Password and Email Address information. 3 8 Under the MFA One-Time

Passcode Delivery Options, enter the users phone number(s) and any additional email addresses (if applicable) in the appropriate fields. The Text feature will be grayed out; only the user can enable this feature under the Manage One-

6 8 Click Update to save the

information for this user. Click Delete to remove this user and their system privileges. You can choose List to see permissions.

Note: Changes in Add/Change/Remove Users do not affect sessions that are already underway. Users with active sessions must log out and then log back in to see modifications made in User Information and Feature/Services.

View User Activity Reporting Keep tabs on all the transactions performed throughout the Commercial Online Banking system with the Activity Reporting feature. Use Activity Reporting to track all activity as well as search for a specific type of transaction. You may then save the report and reuse the settings at a later date or export the information in a CSV format. From the Administration menu, select View User Activity Reporting under Manage Users.

1 8 Select the report to query, or select New to create a new report. 2 8 Enter the date selection in the fields provided. 3 8 Select the Query selection and enter the required information in the fields provided. If you choose All Activities, no further query setup is required.

4 8 Enter an optional Title for the report. Select Save from the drop-down menu if you wish to run the same query again in the future. 5 8 Select the type of display, then click Submit .

Note: If the number of returned records for a query exceeds 200, the first 200 records will be displayed followed by a message recommending that you download the file to your computer. You must download the file in order to access all results exceeding 200.

Set Account Name The Set Account Name function provides the company administrator with the ability to rename any of the available accounts. All references to the account within the system will use the administrator-defined name. From the Administration menu, select Set Account Name under Manage Company.

1 8 Select the Account from the drop-down menu, then you may modify the Account Name .

2 8 Click Update when finished.

Change Timeout If you are having an Online Banking Session and have stepped away from your computer without Signing Off, this feature allows you to select the amount of time a user’s banking session is idle before it is automatically terminated. From the Administration menu, select Change Timeout under Manage Company.

1 8 Select the Session Timeout from the drop-down menu, then click Update .

Change My Password Users are required to change their passwords on a recurring basis. Special password characteristics may be imposed to provide a greater degree of security. From the Administration menu, select Change My Password under My Profile.

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1 8 Enter your My Current Password in the field. 2 8 Enter a My New Password and confirm your My New Password by re-entering.

3 8 Click Update Password to save the new Password.

Note: The Commercial Online Banking system’s password validation is case- sensitive; users must exactly replicate the pattern of upper- and lower-case letters to gain entry to the system. Use mixed case for your passwords to help make them more secure.

We recommend updating your password every 90 days for added security.

Manage One-Time Passcode Delivery The Manage Security Code Delivery feature contains the Enhanced Login Security Delivery destinations established for the users by either the company administrator or financial institution. This page displays the phone numbers that are available to activate the text delivery option and the email addresses that are available for receiving a one-time passcode (OTP) notification. From the Administration menu, select Manage One-Time Passcode Delivery under My Profile to activate the text delivery option.

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1 8 Select the checkbox under Text to activate a cell phone number. The Text Action/Status changes from “ Not Activated ” to an “ Activate Text ” hyperlink. 2 8 Click Activate Text . Once selected, the user will be presented with the Phone Activation for Text Messaging prompt. The system will then send the activation code to the user’s cell phone via text message. The user must enter the Activation Code into the provided field and click Submit . The online session will take the user back to the Manage One-Time Passcode Delivery – Enhanced Login Security screen.

3 8 The user must select Update . The Text Action/Status option

will then change to Text “ Activated ”.

Note: Only the Company Administrator can update the email address and phone numbers for OTP Delivery for Users.

Unenroll Computers If you are a Company Administrator and there are computers that you no longer plan to regularly login to manage your Commercial Online Banking accounts, you have the ability to Unenroll them here. You will then be challenged with extra security credentials to access the site from here on. From the Administration menu, select Unenroll Computers under My Profile.

1 8 Select the option to Unenroll This Computer or to Unenroll All Computers .

Activate Token For security reasons, users will receive a token in order to initiate an ACH, Federal Tax Payment or Wire Transfer. The token(s) will be provided by

your account officer. To activate, follow the steps below: From the Administration menu, select Activate Token under My Profile.

1 8 Go to the My Profile page and

2 8 Click Submit when finished.

select to Activate Token. Enter the token serial number along with the security code in the provided fields.

Set Main Page If a main page has not been set the user will default to the Account Summary page when logging into Commercial Online Banking. From the Administration menu, select Set Main Page under My Profile.

1 8 Select the page you would like to set as your Main Page from the drop-down menu, then click Update . From now on you will be directed to this page when logging in.

View Account Summary You can view your current checking, savings, money market and commercial loan balances as well as view several months of transaction history for each account. This is a great reference and filing system. From the Account Activities & Reporting menu, select View Account Summary under Account Reporting.

1 8 Click a specific account name to view the Account Detail. 2 8 Click a Magnifying Glass icon to view additional account detail information.

3 8 Click Print to send the displayed data to your printer. Click Export to generate an Excel spreadsheet of the data.

Create Reports The Create Reports function lets you create, edit and delete customized settings that apply to the Account Summary screen so you see only specific accounts and transactions. A report is comprised of a group of Account and Transaction settings and is saved by a descriptive name. The report acts as a filter for the Account Summary screen, providing you a customized view. Once a report is created, you can save the report to run again on future dates. From the Account Activities & Reporting menu, select Create Reports under Account Reporting.

1 8 Select a previous report from the drop-down menu or click New to create a new report. 2 8 Select the accounts to include in the report.

3 8 Select the transactions to include in the report. 4 8 Assign a name to the report, then click Update to save the existing report. If you are saving a new report, click Add .

Note: If account category codes are not available, the transaction types displayed will be Debit and Credit.

Run Selected Report The Run Selected Report option lets you display the results from your saved reports. From the Account Activities & Reporting menu, select Run Selected Report under Account Reporting.

1 8 Select the report to run from the

drop-down menu, then click Submit and the results will appear in a secondary window.

Search Transactions Transaction Search allows for querying on transactions. Search by any combination of date range, check or serial number of a transaction as well as transaction type. From the Account Activities & Reporting menu, select Search Transactions under Account Reporting.

1 8 Select the account to search from the drop-down menu. 2 8 Enter one or more of the search criteria, including Date , Check or Serial Number , Amount and Transaction Type .

3 8 Click Submit to display the results of your search. Click Reset to clear the fields and search again.

Manage Balance Alerts Commercial Online Banking can help you track account activity with Balance Alerts. Set up an email or text message alert to be sent to you when an account level exceeds a set threshold. Balance alert notifications are sent throughout the day and are not available for loan accounts. From the Account Activities & Reporting menu, select Manage Balance Alerts under Account Reporting.

1 8 To add a new balance alert, select Add An Alert , enter the conditions and alert email address, then click Add . 2 8 To update an existing balance alert, select the check box for the alert(s), edit the information as necessary, then click Update .

3 8 To delete an existing balance alert, select the check box for the alert(s), then click Delete .

View Account Statements The Account Statements feature allows you to view your account statement online without having to wait for a paper copy to arrive in the mail. The service allows you to select the account and date range for the statements you would like to view. The accounts to which you have access (as determined by the Company Administrator under Administration > Add/Change/Remove Users or the financial institution) will display for you to select from. You may select to view statements from one account or multiple accounts. From the Account Activities & Reporting menu, select View Account Statements under Statements.

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To display the Account Statements screen, rest your cursor on the Account Activities & Reporting menu option and then click View Account Statements under the Statements group. The Account Statements screen appears. The screen displays the statements that match your selection criteria. For each statement available, the following fields are displayed: Description, Account Number and Statement Period. The statements are grouped together by description and sorted by the statement period. The sort will display the most recent statement first. This default grouping and sorting can be changed by clicking on any of the column headings. 1 8 Select the From month and To

to select for a single query will vary based on your financial institution’s defined parameters. Click the Statement Search button to begin your query. To view a statement in your search query, click on the Statement Period date hyperlink. Your statement will then display.

month from the Date Selection drop-down boxes. These boxes will display the month and year your statement cycle ran. The statements that display will be within the month/year range you selected. 2 8 Select one or more Accounts from the Accounts Selection list to display the statements

associated with those accounts. The number of accounts available

Positive Pay Overview The Positive Pay Account Reconciliation Service allows you to view and compare checks presented for payment against an electronic check issue file to identify fraudulent items. You can enter your issued checks directly into the positive pay system or upload an issue files from your computer. Presented checks are compared against the list of checks you have issued on a nightly basis, ensuring the information contained matches the issued check entered. When a discrepancy between the presented check an issued check is detected, it is flagged as an exception. The system notifies you of any exceptions via email, allows you to view images of the checks and exceptions, and then allows you choose to either pay or return the items. Features for setting up the Positive Pay Reconciliation Services are listed as follows:

Upload Issued Checks – allows you to upload an issued file. Enter Issued Checks – allows you to enter issue items manually. View Issued Check Register – displays a history of the issues you have submitted (input or uploaded) and you can reconcile account information and view exceptions.

Positive Pay Decision Exceptions – allows you to view exceptions and submit decisions (Pay or Return) through Commercial Online Banking. Exception items are updated with the decision information selected. Note: Additional documentation is required for access to this feature. Contact your account officer for more information.

The Company Administrator has been given primary access to process Positive Pay ( Reconciliation Service ). If an additional sub- users needs to process Positive Pay, the Company Administrator will need to grant them access under the Administration menu by selecting the following options from the list of accounts permissions under the users profile and click update.

1 8 Reconciliation Exceptions (Recon Excpts) and Reconciliation Issues (Recon Issues) options. 2 8 Under the Reconciliation Services feature, select the options ( if applicable ) Allow Reconciliation, Issues Register Input, Issue Register, File Upload and Exceptions Processing in order to process Positive Pay.

Note: The Company Administrator and each sub-user who has been granted access will receive an email notification when you have Account Reconciliation Exceptions to be processed; therefore, it is not recommended that you select Suppress Exceptions Notification .

Upload Issued Checks The Upload Issued Checks function allows authorized users to select an Issues Register file, which contains issued check items information and upload in to Reconciliation Services register within your Commercial Online Banking access. An will be sent to the Capital Bank informing them of the incoming file. Uploaded items may be viewed in the Issues Register. Please note that the system will only allow a user to upload issues for accounts they have access to in Issues Input. From the Account Activities & Reporting menu, select Upload Issued Checks under Reconciliation Services.

To upload an Issues Register:

1 8 Select the preferred file format to be uploaded. Note: The default file format is Proprietary ARP file to upload from 3rd party software. Each file type requires a specific file format that will provide based on the applicable format you have chosen to process. 2 8 Click the Browse… button to open a standard Windows dialog box that allows you to choose your file from your computer. Note: You must have the check data file available either on a local drive or on a network-accessible drive in order to upload file. In addition, you upload a maximum of 1000 issues (checks) at a time.

3 8 Click the Upload button to submit the Issues file for processing. If the upload is not successful, the system will display an error message. Note: Submitting issues from Upload Issues File or Issues Register Input past cutoff will prompt the following warning: “Your issued items have been successfully submitted. Due to cutoff time frames, these issued items will be processed the next business day.” Issues submitted past the cutoff will be assigned an Issue Date of the next business day.

Enter Issued Checks The Enter Issued Checks feature lets you manually enter your check data and submit issued checks for reconciliation processing. There are two sections of the Enter Issued Checks screen. The first section, a user adds issued checks to send, which you do not have to send the entered issued checks until you are ready or you can add the issued checks and then send them separately. The second section is where you can change or delete the issued items prior to sending. From the Account Activities & Reporting menu, select Enter Issued Checks under Reconciliation Services.

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To Enter Issued Checks:

1 8 Select an account from the Account Selection drop-down list. 2 8 Set the action to take using the following options by clicking: Reg/Add to add a check Reg/Del to remove a check Void/Add to add a voided check Void/Del to remove a voided check Stop/Add to change check status to “stop payment” Stop/Del to remove a stop payment on a check 3 8 Enter in the Issue Date, Check Number, Amount and Additional Information fields, then click Add . Note: The Additional Information field can be used to uniquely identify the issue item, similar to the Memo field on a check.

4 8 Click the Add button to add the issued check items to the Update Issues list below. 5 8 Click Save to save changes made to the issue items and remove any items that are marked for deletion. Saving issues simply keeps them in a Pending status. These items will not be processed. 6 8 Click Send to send the data for processing and adds the items to the Issued Check Register. A confirmation screen will appear displaying a summary of the issue register items entered. Note: If you have items in the Pending Issues section of this page, you must click the Save button or Send button prior to leaving this page or entered issued check data will be lost.

View Issued Check Register The View Issued Check Register allows you to view a history of the issues for a selected account. You will be able to input issues, upload issues and view Outstanding Items, Paid Items, Stale Items and Deleted Items. Exceptions are displayed on the register, but are processed outside the application. By default, the system initially displays 500 records. You can search for and display issues records from up to 180 days in the past. From the Account Activities & Reporting menu, select View Issued Check Register under Reconciliation Services.

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How to utilize the View Issued Check Register:

1 8 Select the appropriate account from the Account Selection drop- down list . 2 8 Enter a Date Range to search within and/or 3 8 Filter Issues by Status by checking the appropriate check boxes or 4 8 Search for a specific issue by selecting Check Number, Issue Amount, Issue Date or Payee from the Search for: drop-down list, then enter a Value to search for and click Submit . The information matching the criteria entered will be displayed.

Note: You can export the information displayed on screen to a comma- delimited file by clicking the Export button. You will be prompted to save the file, choose a location, and specify the file name for the exported data.

Decisions Positive Pay Exceptions The Decisions Positive Pay Exceptions screen displays exception items previously sent to Capital Bank for processing. Each exception item has full details, including the Exception Reason. Processed exceptions activity will be retained for 10 calendar days. Exceptions listed may be sorted using the up and down arrows next to each column heading. A message at the bottom of the screen indicates how many more exceptions require decisions. Once some or all the first 50 exceptions listed have decisions, the screen refreshes with next 50 exceptions requiring decisions. From the Account Activities & Reporting menu, select Decision Positive Pay Exception under Positive Pay.

1 8 Click the Select checkbox next to the exception item(s) to process. 2 8 Set the Action to instruct Capital Bank what to do with each item. The default decision (pay) for exception items is automatically selected. Once a decision on an item has been sent, you may not change the action decision. The actions available are: Pay: Pay the check (automatically selected) Return: Do not honor the check Pay – Adj. Required: Pay the issue amount and adjust the check amount to match

3 8 Click the Send button to submit the selected exceptions to Capital Bank for processing. The Exceptions Processing screen will refresh and display the exceptions remaining. Note: If you do not submit exception decisions for processing before the established cutoff time of 12:00 p.m. EST, the default decisions will automatically be sent to the financial institution. Selecting the Show Sent button will display the Sent Positive Pay Decisions screen. Sent decisions with an action followed by an asterisk were automatically sent to the financial institution.

Add Stop Payment With the Stop Payment Activity feature, you have the option to perform a stop payment on one or multiple checks. However, you cannot place a stop payment on checks that have already been posted to your account. From the Account Activities & Reporting menu, select Add Stop Payment under Stop Payments.

1 8 Double check the contact information for accuracy. 2 8 Select the Account and the Reason for the Stop Payment from the drop-down menus.

3 8 Under Request Type select whether you are stopping an individual check or a range of checks and enter the Check Number , Check Amount , Issue Date and the Payee . Click Add to complete.

Note: If the checks are lost or stolen, contact your Financial Institution immediately. Stopping a payment will impose a fee that will be charged to your account.

View Stop Payment Activity Choose View Stop Payment Activity to see canceled payments.

Add Transfer The Add Transfer service allows you to move funds between accounts within the same financial institution. Transfers can be scheduled for the current day or a date in the future, up to one year in advance. Recurring transfers may also be set up to automate loan payments. Scheduled transfers can be reviewed and deleted anytime prior to processing. From the Payments & Transfers menu, select Add Transfer under Account Transfer.

1 8 Select the source and destination accounts for the funds transfer. 2 8 Enter the transfer Amount . 3 8 Enter the processing Date for the transfer.

4 8 Click Add to add the transfer to the list. You may enter multiple transfers to the list. 5 8 Click Submit to process the transfer(s).

Note: You can schedule recurring transfers by selecting the Account Transfer link, then Add Recurring Transfer. Follow steps 1-3 above, then enter the date, number of transfers and email address. Next, click Submit to process the transfer.

Add Recurring Transfer 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. To add a Recurring Transfer, begin just as would with a One-Time Transfer by completing the Transfer From, Transfer To, Amount and a Description (optional). From the Payments & Transfers menu, select Add Recurring Transfer under Account Transfer.

1 8 Choose the account that funds will be debited from and the destination account using the drop-down menu. 2 8 In the spaces provided, enter the Amount to be transferred. Next, select a Start Date using the convenient calendar feature.

3 8 Select whether you would like the transfer to take place on a weekly, monthly or bi-monthly basis and choose the specific occurrence using the drop-down menu based on your choice. 4 8 Click Add to complete.

Update Transfers The Update Transfers option allows you to view, update or delete both scheduled account transfers and recurring account transfers. The Update Transfers function lets you examine all such transfers and, if appropriate, remove them from the pending list (i.e., cancel them). The Scheduled Recurring Account Transfers portion displays the current recurring transfers scheduled and allows you to edit all fields except the start date, from account and to account. Transfers are processed on the date specified and a confirmation email will be sent to the end user who added the account transfer information. If the transfer cannot be processed, the system will send an email noting the error and the transfer will be deleted. If you have a large number of transfer records, you will be able to page through the list using First, Previous and Last buttons. From the Payments & Transfers menu, select Update Transfers under Account Transfer.

8 The Update button saves the selected book transfer changes in the system and updates the screen with the changes. 8 The Delete button removes the selected transfer from the system.

8 The Reset button clears the screen of any changes and displays the last saved transfer instructions.

Add Federal Tax Payments With the Federal Tax Payment feature, you can initiate your Tax Payment electronically to the IRS. Tax Payments can be initiated up to 30 days in advance from your home or office. From the Payments & Transfers menu, select Add Federal Tax Payments under Federal Tax Payments.

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1 8 Under the drop down menus select the Taxpayer Name and Debit Account . 2 8 Enter the Tax Payment Effective Date .

3 8 Indicate the tax period ending date by selecting a month and a year. 4 8 Select the tax form information and amount. Then, click Add .

Note: Additional documentation is required to access this feature and you must register with the IRS to receive your payments electronically. Please contact your account officer for additional details.

By Choosing Approve/View Federal Tax Payment Activity you can see the tax payments which were initiated online.

ACH Overview An Automated Clearing House (ACH) transfer is the electronic transmission of a file which contains pertinent information to the movement of funds between accounts. An ACH transfer is commonly used to expedite direct deposit of payroll, pay bills, concentrate funds from other financial institutions or collect membership dues. An ACH transfer generally consists of multiple transactions and is referred to as a “batch”. The steps for setting up an submitting an ACH batch are typically as follows: 1 8 Define participants (Maintain Participant) 2 8 Define batch attributes (Maintain Batch Template) 3 8 Assign participants to the batch (Assign Participant to Batch) 4 8 Submit the batch (Initiate Batch) 5 8 (Optional) Check on pending/recent activity (View ACH Activity) 6 8 Approving another sub-user’s batch (Approve/View ACH Activity) 7 8 (Optional) Edit and re-submit the batch (Update Batch) The above steps are typical for an ACH user. For an ACH administrator, the main action occurs after the batch submittal. If the batch requires dual approval, or it exceeds the user’s per-transaction and/or daily limits, it is given a status of Pending. The administrator then uses the Approval/View ACH Activity function either to approve the batch as-is or to deny it and send it back to the user for modification. Note: A batch may be used multiple times once steps one through three are completed. You only need to complete steps one through three again when something changes. For example, you may need to add new participants or remove old ones. In typical usage, simply submitting an ACH batch will be sufficient. Note also that participants may be used in more than one batch. Additional documentation is required for access to this feature. Contact your account officer for more information.

Maintain Batch Template The Maintain Batch Template function allows you to define the essential characteristics of the ACH batch for efficient entry. This screen allows you to create new templates and update or delete existing templates. From the Payments & Transfers menu, select Maintain Batch Template under ACH.

1 8 Click Add New to add a new template or List All Templates. To update an existing template, select the template name from the drop-down menu. 2 8 Enter or edit the template details as required.

3 8 Click Update to save the information. 4 8 Click Delete to remove the selected template.

Maintain Participant The ACH participant is the individual or organization whose account may be debited or credited, such as payroll or deposit for services rendered. Each participant entry contains the participant’s financial institution information, their account and whether it will be a debit or credit. A participant may have several entries, each one using that participant’s unique ID, but indicating a different account or transaction type. If the participant has multiple accounts, or requests more than one transaction type (for example, a debit and credit on the same account or debits to two separate accounts), a participant entry must be created for each account or transaction. From the Payments & Transfers menu, select Maintain Participant under ACH.

1 8 To add new participants, enter each participant’s details, then click Add . 2 8 To update an existing participant, select the participant from the drop-down menu, edit the information as necessary, then click Update .

3 8 To delete an existing participant, select the participant from the drop-down menu, then click Delete . 4 8 To view a list of existing participants, click List All Participants .

Assign Participant to Batch The Assign Participant To Batch function allows you associate participants with templates, bringing together the definitions created earlier. Each ACH transaction includes a reference to the participant, how the account is affected, and the amount. From the Payments & Transfers menu, select Assign Participant to Batch under ACH.

1 8 From the Template Name drop- down list, select the template that you want to modify. The template’s complete information is displayed in the table. You can sort the table by clicking the up or down arrows in the column headers. 2 8 Check the box in the Select column adjacent to the participant you want to add to the template.

3 8 You can click the Reset button at any time to reset all fields to their previously saved values. 4 8 Click the Update button to save your selections.

Note: Use the Select All check box to select or deselect all participants.

Import ACH Data The Import ACH Data function allows you to create a new or update existing Batch Template and Participants using a file created by another application. You may import a Standard ACH File (formatted to NACHA specifications) to add new batches to the system. From the Payments & Transfers menu, select Import ACH Data under ACH Processing.

1 8 To update an existing batch, select the file name. 2 8 To Create a New Delimited Map or Create a New Fixed Map, click the appropriate link here.

3 8 Click Browse to select a file from your computer to import. 4 8 Click Import to complete the process.

Note: Importing ACH Data does not initiate the batch. Batch Initiation can only be achieved by following the batch initiation procedure.

Initiate Batch The Initiate Batch function lets you set up an ACH batch and submit it for processing. Multiple ACH payments can be entered and sent. Files received after the cut-off time will be processed the next business day. From the Payments & Transfers menu, select Initiate Batch under ACH Processing.

1 8 The daily transaction limit and running total displays here. 2 8 Select the Template Name from the drop-down menu. 3 8 Click the Hold check box to omit the participant from the batch transmittal.

4 8 Edit the batch data for participants as necessary, including the effective

Date , Amount value, Prenote setting and Addenda message, then click Initiate .

Note: An ACH batch may require approval due to limitations set by the system administrator.

Approve/View ACH Activity The Approve/View ACH Activity function allows you to review recent and pending ACH activity to make informed approval decisions from one convenient screen. If a user exceeds their pre-transaction limit and/or daily limit, or you have dual approval authority enabled, the Company Administrator or an Approval user can approve, delete or deny pending batches. Email notifications are sent to all who approve when batches are pending. From the Payments & Transfers menu, select Approve/View ACH Activity under ACH Processing.

1 8 A reference display of your approval limits appears at the top of the screen. 2 8 To approve a pending ACH submittal, check its Select box, then click Approve .

3 8 To deny a pending ACH submittal, check its Select box, then click Deny . 4 8 To see details for any batch listed on the screen, click its magnifying glass in the Details column. The system launches a second browser window, from which you can view or print the batch data.

Note: When a batch is denied, an email notification will be sent to the batch initiator for modification and re-submittal.

View ACH Activity The View ACH Activity function allows you view only the ACH transactions, which were initiated or uploaded by you. The screen will display tables for pending batches, denied batches, completed and uploaded batches, and imported ACH files for the past 10 calendar days. From the Payments & Transfers menu, select View ACH Activity under ACH Processing.

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1 8 To delete a pending ACH submittal, click the Select checkbox and click the Delete button. 2 8 To resubmit a pending ACH

8 If you have a large number of transaction records, you will be able to page through the list using First, Previous and Last buttons at the bottom of the table. 3 8 To see details for any batch listed on the screen, click the magnifying glass in the Details column. The system launches a second browser window from which you can view or print the batch data.

submittal, check the Select box and click the Resubmit button. (This button may or may not be displayed depending on whether this option is available to you. You may only resubmit transactions that you created.)

Send ACH File With the Send ACH File function, you can send a NACHA formatted file created in your own financial software to us for processing, saving you time and allowing large numbers of transactions to be processed more easily. When using this feature, it is not necessary to maintain participants, create batches or initiate batches separately within the Commercial Online Banking system. Batches contained within the uploaded file may be viewed in the activity screen and can be added pending approval, if an approval requirement is elected at enrollment. From the Payments & Transfers menu, select Send ACH File under ACH Processing.

1 8 Enter the name of the ACH file to upload or click Browse to locate the file on your local network or computer. 2 8 Click Upload to send the ACH file to the bank.

3 8 Once the user submits the ACH

file to be completed, the user will be presented with a confirmation message with a Reference Number. The user will be able to view the status of the Reference Number via the View ACH Activity or View/ Approve ACH Activity screen.

Note: The Reference Number is not the Batch ID Number. The Batch IDs can be viewed by selecting the Reference Number hyperlink on the View ACH Activity or View/Approve ACH Activity screen.

Wire Transfer Overview The Wire Transfer service allows you to move funds between accounts within different financial institutions. Transfers can be scheduled for the current day or (if applicable) a date in the future. Pending transfers can

be reviewed and deleted. Wire Transfer Features: 8 Maintain Template 8 Maintain Template Group 8 Initiate Template 8 Initiate Template Group 8 Initiate Freeform Wires 8 Approve/View Wire Activity 8 View Wire Activity 8 Request Wire Investigation Wire Transfer Features:

8 Pending – waiting for the business user to approve the file 8 Resubmit – the approver at the business denied the file and the initiator resubmitted it 8 Approved – approved by the business and routed to Capital Bank 8 Received – processed by Capital Bank 8 Removed by FI – Removed by Capital Bank 8 Downloaded Processed For a Wire Transfer Administrator, the main action occurs after the batch submittal. If the wire requires dual approval, or it exceeds the user’s pre-transaction and/or daily limits, it is given a status of Pending. The administrator then uses the Approval/View Wire Activity function either to approve the wire or to deny it and send it back to the user for modification. Note: The Template and Template Group may be created for wires you perform on a recurring basis. Initiate Freeform Wire is used to perform on a one-time basis, which does not require a wire transfer template to be created. Additional documentation is required for access to this feature. Contact your account officer for more information.

Maintain Template Use a template to enter information for wires that you perform on a regular basis. The system is designed to store these templates, thus saving time by defining them once and reusing them later. From the Payments & Transfers menu, select Maintain Template under Wire Transfer.

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1 8 Choose a template from the drop- down menu to update or click Add New to create a new template. Click List All Templates to view a list of existing templates. Next, enter a Template Name in the space provided. 2 8 Choose the account from which

3 8 Enter the required Beneficiary Information. This may be an individual or financial institution. 4 8 Click Add when finished. The new template is stored using the name in the Template Name menu.

funds will be debited using the drop-down menu. In the space provided, enter the desired amount for the transfer.

Note: Beneficiary Name, Physical Address and ABA number are required fields. ABA number should be verified with the receiving bank as eligible to receive wires.

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