Heritage Online Banking Business Online Banking

Business Online Banking A quick and easy guide to Business Online Banking and Bill Pay

Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com

© 2009-2015 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems Incorporated in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking. 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, Heritage Oaks Bank, 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.

II

Welcome

We work hard to provide our customers with the financial tools they need to achieve the goals in life that matter. Online Banking is an important one of those tools. Our Online Banking system is designed for ease of use. Whether you access it from your desktop, tablet or smart phone, it looks and functions the same across all devices. It is full of powerful features that make it easy to keep track of your finances. We invite you to take a moment to learn more about the anytime, anywhere convenience of Online Banking with Heritage Oaks Bank.

1

Table of Contents

Heritage Oaks Bank

General Information Security.................................................................................................4 New Online Banking Enrollment.................................................6 First Time Login.................................................................................7 Register Your Computer or Device.............................................8 Logging in...........................................................................................9 Home...................................................................................................10 Messages Messages...........................................................................................11 Transactions Account Details...............................................................................12 Funds Transfer..................................................................................13 Activity Center.................................................................................14 eDelivery............................................................................................15 Reorder Checks................................................................................17 Business Bill Payment Getting Started................................................................................18 Navigation.........................................................................................19 Pay Someone New..........................................................................20 Schedule a Single Payment.........................................................21 Setup Auto-Pay................................................................................22 Modify Auto-Pay..............................................................................23 Schedule Multiple Payments......................................................24 Expedited Payment........................................................................25 Modify Biller Details.......................................................................26 Quick Reference Panel..................................................................27 Reports...............................................................................................28 Alert Preferences.............................................................................29 Categories..........................................................................................30 Commercial Payments...........................................................................................31 Recipients..........................................................................................35 Subsidiaries.......................................................................................37 Token Process...................................................................................39 ACH Pass-Thru..................................................................................40 Tax Payment......................................................................................41

2

Positive Pay/ACH Reporting Introduction......................................................................................42 Upload Issue File.............................................................................43 Manually Enter a Check................................................................44 Void a Check.....................................................................................45 Managing Exceptions....................................................................46 Reports...............................................................................................47 Services Stop Payment...................................................................................48 Manage Bill Pay Accounts............................................................49 Add a User.........................................................................................50 Assign User Rights..........................................................................51 Edit or Delete a User......................................................................53 Add an External Account.............................................................54 Verify an External Account..........................................................55 Settings Profile..................................................................................................56 Account Preferences......................................................................57 Security Preferences......................................................................58 Alerts...................................................................................................59 Security Alerts..................................................................................60 Address Change..............................................................................61 Locations Branches and ATMs........................................................................62

3

General Information

Security

By following our tips, Online Banking at Heritage Oaks Bank can be a safe and efficient method for handling your banking needs. User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone. The password must include: special characters and at least one number and uppercase letter. Be sure to change your password periodically. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and your financial institution, making it difficult for anyone to access your account information. Secure Access Code You need a Secure Access Code each time you login to our Online Banking service unless you register the device for future logins. It is delivered to you via phone call, email, or SMS text. If you delete the security certificate or “cookie” that activates your computer for later use, or if you login from a new computer, you will need to request and use a NEW Secure Access Code. Browser Registration In addition to your personal password security, we have added another layer of security called browser registration that runs in the background and helps verify your identity at login. Online Banking Safety Tips: > Ensure your web browser, operating system, anti-virus software and other applications are current and support 128-bit encryption. > Use up-to-date security software such as anti-virus, anti-spyware and anti-malware programs as well as up-to-date software patches for all of your programs, internet browsers and so on. > Memorize your passwords. > Sign Off of your Heritage Oaks Bank Online Banking session when finished. > Do not leave your computer unattended when logged in to Online Banking. > Do not use public computers or unsecured WiFi when accessing Online Banking. > If you receive an error when logged into your Online Banking account, report the error to a customer service representative at 800.795.2524 during business hours.

4

General Information

Security

Your financial institution will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from your financial institution, please report the incident to a customer service representative as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or Login IDs and passwords. Using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their financial institution. Identity Theft It is important that you are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise, and commit other crimes using your identity. Fraud Prevention Tips: > Do not open email attachments or click on a link from unsolicited sources. > Avoid completing email forms or messages that ask for personal or financial information. > Do not trust an email asking you to use a link for verification of login or account details. > Monitor your account transactions for unauthorized use. > Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers and expired charge cards before disposing of them. > Contact the sender by phone if you are suspicious of an email attachment. If you think you are a victim of identity theft, see our website for information at http:// www.heritageoaksbank.com/customer_education_center/identitytheft_whattodo.

This is not a complete listing of all of the security controls that you may need. You are responsible for determining and implementing whatever controls are necessary to prevent security breaches of your computer and internal security losses. We do not warrant that any or all of the recommendations here will prevent a security breach on your computer.

5

General Information

New Online Banking Enrollment

Getting Started: 1. Contact your branch or bank officer. 2. The bank employee will complete an enrollment form.

3. You will be able to access your online banking within 2 business days after your enrollment form is submitted by a bank employee.

You will receive notification, via email, within 48 hours.

6

General Information

First Time Login

Steps for first time login: 1. Visit www.heritageoaksbank.com. 2. Select Login to Online Banking .

3. Enter the Login ID that you selected during enrollment in the Login ID box. 4. Select I am a First Time User . 5. Click on Login . 6. At the next screen, choose the delivery method for your Secure Access Code and then click Submit . Secure Access Codes are a security feature to authenticate the client and give the client an option to register their computer for future use. 7. Once you receive your Secure Access Code, enter, or cut and paste, the temporary code you received by phone or e-mail into the Secure Access Code field, click Submit . Please note, Secure Access Codes expire after 2 hours have elapsed and a new code will be required. Do not navigate away from the page. If you need to access a web mail account to retrieve your code, please open a new browser window or browser tab.

8. Once you have successfully entered your temporary code, you will be directed, step-by-step, through the completion of your enrollment. The process will end with you creating and confirming your preferred password that will be used in combination with your login ID on future logins. After you enter and confirm your new Password, click Submit .

7

General Information

Register Your Computer or Device

Registering your computer is optional. If you choose to register your computer or device, you will not have to receive a Secure Access Code upon logging in each time. Registering public computers is not advised. To register a computer being used to access online banking for the first time: 1. Enter your Login ID and Password . 2. Click Login . 3. You are now required to register your computer. You will be directed to a page displaying the secure contact information we have on file for your account. Select one contact method from the list that you can immediately access and our system will deliver you a temporary Secure Access Code within minutes. If each of the contact options we have on file are inaccurate or out-of-date, you cannot proceed any further. Please contact us to provide updated information. • Phone Delivery - If you select phone delivery of your temporary code, just answer the phone normally when the call arrives. You will be prompted to make a selection to hear your code, and the system will give you the option to repeat the code, if necessary. Our system will not leave a code on voice mail, so if you miss the call, just repeat the process. • SMS (Text) Delivery - If you select the text message delivery of your temporary code, you will receive a very simple message containing the requested code. Standard text message fees apply. • Email Delivery - If you select an email account, you will receive a very simple email containing only the requested code. If you do not receive this email, please check your Junk Mail box. 4. Enter, or cut and paste, the temporary code you receive on the following page. Do not navigate away from the screen. If you need to access a web mail account to retrieve your code, please open a new browser window or browser tab. 5. Depending on your account status, you may have the ability to choose whether or not you want to 1) activate your computer to avoid this registration process in the future or 2) take one-time access to your accounts. If you are on a public computer, you should always choose one-time access so the system does not register the public computer. 6. You will then be directed to the Account Overview page. If you are requested to go through this process the next time you login using the same computer, you may be required to adjust your “Cookie Settings” on your web browser. If you access your Online Banking from a different computer / device, you will be required to follow the browser registration process upon the initial login to that new computer / device. For questions or additional assistance, please contact our Online Banking Department via telephone at 800.795.2524, via email at hobonline@heritageoaksbank.com or through the Secure Messaging feature within your Online Banking profile.

Register Your Computer or Device

8

General Information

Logging in

Once you have enrolled as a New User, and logged into Online Banking at least once, follow these steps for subsequent logins.

1. Click on our website’s Login to Online Banking box. 2. Enter your Login ID and your Password and click Login.

3. Forgot your password? Simply click Forgot Password? and select where you would like to receive your Secure Access Code, then follow the instructions to re-establish a password. Secure Access Code You need a Secure Access Code to access your accounts when you log into Online Banking with Heritage Oaks Bank for the first time or the first time from any new device. This code is delivered to you via email, phone call, or SMS text message. You can opt to have your device registered so that you do not have to complete the Secure Access Code process the next time that you access Heritage Oaks Bank’s system from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to request another Secure Access Code. Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer, for example, at a public library. Logging Off As a secure practice, you should log off your Online Banking session with Heritage Oaks Bank before you close out of your Online Banking session, or anytime you walk away from your computer. For additional security, Heritage Oaks Bank will log you out automatically due to inactivity or when your Online Banking session reaches the maximum time limit.

9

General Information

Home

The Home Screen will give you an overview of all of your accounts at Heritage Oaks Bank displayed in a comprehensive list with available balances conveniently in one place.

To View an Overview of Your Accounts:

1. For account transaction history, click the account name to view the Account Details screen. View details or a check image by clicking > next to the transaction. Select Show Filters to define search options. 2. Need an action done in a hurry? On the home page, you will notice Quick Action options on the upper-right corner of the page allow you to swiftly complete your most used tasks.

10

Messages

Messages

Our message center allows you to communicate securely with your bank. Messages can be saved by topic for easy reference. Check here for your alerts, replies to your inquiries and bank communications.

To View Messages:

Click on the Messages tab. 1. Messages are displayed at the left side of the screen. 2. Delete or reply

to a message in the upper right corner of the message.

3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time has passed. A message can be saved indefinitely by selecting this box.

11

Transactions

Account Details

It is easy to see recent and pending transactions for each account. Simply click on the account name on the Heritage Oaks Bank Online Banking Home page. The credits appear in green, the debits appear in red and pending transactions have a light gray background.

To View Account Details:

Click on the account for which you would like detailed information. 1. The top of this screen shows you an overview of this account. 2. You can organize your view by date, description or amount by clicking the column header. 3. If you choose to Show Filters , you will be able to filter out certain transactions to view, export or print. Once you’ve made your selections, click Apply Filters . 4. Once you have filtered the transactions that you would like to print, click Print . 5. Or you can choose to Export your selection and save on your computer or device. 6. Looking for a specific transaction? You can also search transaction descriptions.

12

Transactions

Funds Transfer

Online Banking enables you to transfer funds between your own Heritage Oaks Bank accounts quickly and easily.

To Transfer Funds:

Click on the Funds Transfer tab. 1. Select the account that you wish to transfer funds From using the drop-down menu. 2. When you select a To account, Payment Type will appear below where you can choose to make a standard payment or principal payment. The standard payment option is used for all transfers between checking and savings accounts. The principal payment option is only used for loan transfers. 3. Enter the dollar amount and date to process the transaction. 4. (Optional) If you wish to setup a recurring transaction, click the check box. New input fields will appear and you will need to specify the frequency and date range for this transaction. 5. When completed entering the needed information, select Transfer Funds .

13

Transactions

Activity Center

The Activity Center contains pending and processed transactions initiated within online banking such as funds transfers. The Activity Center does not include transactions that you make by other means such as ATM or debit card transactions or payments from within Bill Pay – these types of transactions are shown on the Account Details page once they are processed and clear your account.

To View Online Transactions:

Click on the Activity Center tab. 1. You can choose to view Single Transactions or Recurring Transactions by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Show Filters for additional search options. 4. You can search transaction descriptions by typing a word or phrase in the text bar and clicking Search . 5. Select Actions to perform additional functions like Copy a transaction or choose Inquire to compose a Secure Message to Heritage Oaks Bank.

14

Transactions

eDelivery

The eDelivery feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and store your statements electronically.

To View Your Statements:

Click on the eDelivery tab. 1. To verify that you are able to view a PDF on your computer or smart device, you will need to click the Get Code button. Your computer or device will prompt you to save a PDF. Save this in an easily accessible place like your desktop or home page. You can delete this temporary file after you have completed the verification process. 2. Open the PDF. You will see a short code. Type that code into the verification code field; then click Verify . 3. Choose the account on the left which will open your most current statement. To view a statement from the past 18 months, choose the date on the right.

15

Transactions

eDelivery

To Print Check Images:

Click on the eDelivery tab. 1. Click on the Check Image tab on the top-left of your statement view.

To print a single check image. 2. Click the check number hyperlink.

To print all your check images on one page. 3. Click Paged Check Images near the top-left.

16

Transactions

Reorder Checks

With Online Banking, you can conveniently reorder checks online.

If you notice that you are missing checks, please contact us right away so that we can take precautions to safeguard against identity theft and fraud.

To Order Checks:

Click on the Check Reorder tab. 1. You will be redirected to our trusted vendor’s website to complete your order. 2. Enter the requested information and click Log In .

17

Business Bill Payment

Getting Started

With Online Bill Pay, you can conveniently make one time payments or setup auto payments so that you do not have to remember to complete a transaction each month. It is easy to setup national billers to pay your phone bill or credit cards as well as pay the lawn maintenance company or the baby sitter.

To Get Started with Bill Pay:

Click on the Bill Payment tab. 1. The first time that you log into Bill Pay, you will be prompted to use the Biller Setup Assistant to conveniently enter all of your billers at the same time, or go directly to Pay Bills . 2. In the Biller Setup Assistant , you can add a national biller by simply clicking their name on the left. 3. On the right, the account number, category and next due date can be entered. 4. When all of the information for this biller has been entered, click Save . This process can be repeated for all bills that you want to enter at this time. 5. To add a person or business not listed, enter their name and click Add . 6. At any time, you can exit and start paying bills. The Biller Setup Assistant can be accessed through the Quick Reference side panels at any time.

18

Business Bill Payment

Navigation

There are many ways to search and process your monthly payments. Below are some quick access tools to get the job done as efficiently as possible.

To Navigate Bill Pay:

Click on the Bill Payment tab. 1. All billers are displayed at the top with information about scheduled payments. 2. You can choose how to view your billers by clicking the drop-down menu next to Organize by or View . 3. Billers can be temporarily shown or hidden by clicking Show/Hide billers in the All drop-down menu, checking/unchecking the box on the right. Be sure to Save changes .

4. Billers can be easily searched by entering criteria in the search bar. 5. Quick links to Multi Pay and Single Pay make payments easy.

19

Business Bill Payment

Pay Someone New

Adding a payee or a biller is easy with our Online Bill Pay system. In no time you will be sending payments locally or nationally.

To Add a Person or Business to Pay:

Click on the Bill Payment tab. 1. Click the Pay Someone New link located at the top of the page. 2. Simply click on a company name to add a national biller. 3. For local businesses or individuals, enter the name of the company on the right. 4. When adding a national biller: fields like the account number will need to be populated. Click Confirm . 5. When adding a person or local business to pay: a new screen will open for you to enter additional information. Click Confirm . 6. When a person or business has been successfully added, a confirmation screen will appear. You can choose to Setup auto-pay or add reminders about this bill. 7. Click Pay this biller or Add another biller .

20

Business Bill Payment

Schedule a Single Payment

There are many options to automate your bill payment. If you would rather setup and send payment for each bill manually, or if you have a situation where you need to make a one-time payment, follow the instructions below.

To Schedule a Single Payment:

Click on the Bill Payment tab. 1. Click the biller for which a payment needs to be added. 2. Choose the Pay from account and include other details like category if desired. 3. Select the date by entering the date manually or using the convenient calendar feature. 4. Adding a note or memo

is easy. Notes are visible only to account holders, and Memos will be seen by the biller.

5. Click Pay this Bill . 6. Double check the

payment details in the Preview screen, then click Confirm .

7. In the confirmation screen, click Close .

21

Business Bill Payment

Setup Auto-Pay

Staying on top of bills is made easier with Auto-Pay. You can choose to setup recurring payments at varied intervals for each bill. Setting up a recurring payment takes only a few moments, and saves you time from not entering a payment each time a bill is due. You can also choose to receive a reminder of the pending bill instead.

To Setup Auto-Pay:

Click on the Bill Payment tab. 1. After successfully creating a person or business to pay, you can choose to setup auto-pay by selecting the link Setup auto-pay . 2. In the new screen, the amount, starting date and frequency can be designated. 3. Choose Save or Don’t Save . 4. A new screen will appear confirming your Auto-Pay Options . Click Close . 5. If you would prefer to manually process the payment each month, you can Add a reminder so that you will receive a notification when this payment is due.

22

Business Bill Payment

Modify Auto-Pay

Even after you have setup a payment, you have the ability to edit or cancel your payment up to the time it begins processing. This convenient feature gives you the freedom to change the way you make your payments.

To Modify or Delete an Auto-Pay:

Click on the Bill Payment tab. 1. Click the auto-pay transaction that you need to change or cancel. 2. Click Modify Auto-Pay link in the Options drop-down menu. 3. In the Auto-Pay Options window, modify the criteria. 4. Auto-Pay can be disabled for this biller by clicking Turn Off Auto-Pay . 5. Choose Save or Don’t Save .

23

Business Bill Payment

Schedule Multiple Payments

Free yourself from the hassle of writing checks and the clutter that comes with traditional ways of paying bills. Multi-Pay is a quick and easy alternative to paying your bills online at the sites of each individual company.

To Schedule Multiple Payments:

Click on the Bill Payment tab. 1. Click Multi Pay located at the top of the page. 2. To sort or filter your view, click the View drop-down option. 3. Simply enter the $ Amount and the specific Deliver By date for each bill. 4. Biller information can be changed by clicking the drop-down menu next to the name. 5. Be sure to add notes, memos or choose to pay it faster by clicking the links. 6. Click Confirm all payments after you have reviewed all transactions.

24

Business Bill Payment

Expedited Payment

Sometimes you need to pay a bill faster than the typical bill payment cycle. With expedited bill payment, you can send money overnight.

Our Fee Schedule outlines possible fees associated with an expedited transaction.

To Expedite a Payment:

Click on the Bill Payment tab. 1. Click the Auto-Pay transaction that you need to expedite. 2. Click Need to Pay it Faster? link in the Options drop-down menu, or within the bill payment screen. 3. In the Expedited Payment window, specify the amount and other criteria. 4. Click the checkbox to confirm that you agree with the Terms and Conditions as well as any applicable fees, then click Continue . You will be presented with a new window confirming a successful transaction.

25

Business Bill Payment

Modify Biller Details

Biller information can be quickly modified if the need arises.

To Modify or Delete Biller Details:

Click on the Bill Payment tab. 1. Click the transaction associated with the biller whose information you need to modify. 2. Choose Modify or Delete in the Options drop-down menu. 3. If Modify is chosen, a new window will open where information can be easily changed including the default category or contact information of the biller.

4. Choose Cancel or Confirm .

26

Business Bill Payment Quick Reference Panel

The Quick Reference Side Panel provides easy access to bill pay’s most used tools and features.

To Utilize the Quick Reference Side Panel:

Click on the Bill Payment tab. 1. Bill Pay Activity Panel shows all pending and processed payments. Date ranges can be specified for streamlined viewing. 2. Bill Pay Spending Report shows the amounts spent in each Category. 3. Bill Pay Calculator is a tool that shows the balance after all bills are paid. A starting balance must be entered to initiate this tool. 4. Helpful Resources is a library of tools that make managing and analyzing your spending habits simple.

27

Business Bill Payment

Reports

You can receive a detailed overview of your spending habits helping you better manage your finances by running a series of regular reports. You can view them on your computer or you can download them locally to your hard drive.

To Create or Run a Report:

Click on the Bill Payment tab. 1. Click on the Helpful Resources panel. Select Reports . 2. Choose to Create or Modify a report. 3. When creating a report, be sure to specify a unique report name, frequency and criteria. 4. Choose Save or Cancel . 5. Reports can be downloaded and saved locally. Click the Download drop-down menu and choose the file type. 6. Click Close when finished.

28

Business Bill Payment

Alert Preferences

Setup alerts to notify you of changes to your security preferences or status updates to your payments. This is an easy way to keep in touch with what is happening with your accounts. There are some Alerts that are greyed out; these alerts are required by Heritage Oaks Bank and are not editable.

To Manage Alert Preferences:

Click on the Bill Payment tab. 1. Click on the Helpful Resources panel. Select Alert Preferences . 2. Choose which email format is best for receiving the alert. 3. Select or deselect reasons to receive alerts. 4. Choose Save or Don’t Save .

29

Business Bill Payment

Categories

Staying organized is essential to keeping your finances in check. With Categories, you can easily group like payments together for unity when creating reports. Assigning and organizing your payees into specific groups called Categories ensures increased convenience when paying your bills.

To Add / Modify Categories:

Click on the Bill Payment tab. 1. Click on the Helpful Resources panel. Select View/Modify Categories . 2. To add a category, simply enter a unique category name. 3. Click Add . 4. Category names can be modified by entering a new name. 5. Icons that help differentiate the categories can also be changed. 6. It is easy to delete categories by checking the box under the Delete column. 7. Choose Continue or Don’t Save Changes .

30

Commercial

Payments

The Payments tab is your place to establish one-time or recurring payments to recipients. Here you can create templates to automate your routine payments. The following template and payment types include a single-recipient: • ACH Payment • Domestic Wire • ACH Receipt • International Wire The following transaction types include multiple-recipients: • ACH Batch • ACH Collection To Create Payments: Step One: Info and Users

Click on the Payments tab. 1. Select an available template or choose New Template at the upper right corner to create a new template. The New Payment button can be used to create a one- time payment. 2. If you choose to create a new template, type a unique name. 3. In the Info and Users tab, Indicate which users should have access to this template. You can find users by typing their name in the Search bar, or checking their name below. 4. When you have established a template name and user access, click Next .

31

Commercial

Payments

Step Two: Recipient and Amount

1. Select a recipient that you wish to pay. You can find recipients by typing in their name in the Search bar, or checking their name below. The Show All option will list all previously create recipients. 2. Once you have chosen your recipient, enter the Amount you wish to pay them. You can also include an Addendum. 3. You can also add a recipient at this point and remain within your template workflow. Click Add Recipient and you will be directed to the Add Recipient page to enter the information, and then conveniently return to the payment workflow. 4. Once you have selected the recipient(s) and entered the payment amount for each recipient, click Next .

When using the ACH Template in the Recipients and Amount Step, choose whether the ACH class code is for an Individual (PPD) or Company (CCD).

32

Commercial

Payments

Step Three: Subsidiary

1. Select the Subsidiary . You can find subsidiaries by typing their name in the search bar, or checking their name below. 2. You can also add a subsidiary at this point and remain within your template workflow. Click Add Subsidiary and you will be directed to the Add Subsidiary page to enter the information, and then conveniently return to this place in the payment workflow. 3. When finished, click Next .

Step Four: Account

1. Choose the Account you wish to withdraw from. 2. When finished, click Next .

33

Commercial

Payments

Step Five: Review & Submit

1. Select the Effective Date (payment date). 2. Review the information and if it is correct, click Save . 3. Then, depending on user rights, select Draft or Approve .

34

Commercial

Recipients

A recipient is any person or business with whom your business may exchange funds. You can send or receive payments from a recipient. After a recipient is created, you can include them in multiple payments or templates simultaneously. Each recipient entry contains the recipient’s contact and account information.

To Add a Recipient:

Click on the Recipients tab. 1. Click the Add Recipient button on the right. 2. Fill out the required information regarding the recipient. Fields marked with an asterisk are required fields. 3. Click the Add Account button on the right. A new tab will appear called “Account New”. 4. Select the Account Type and enter the account and routing number. 5. (Optional) If you plan to use the account with wire transfers, you will need to enter the Name, Country and postal address . 6. When finished, click Create Recipient.

35

Commercial

Recipients

To Edit or Delete a Recipient:

Click on the Recipients tab. 1. Find the recipient whose rights you would like to change; click the Edit icon: 2. To Edit a Recipient: click on the Assign Rights button. Make the necessary changes. Click the Save button. 3. To Delete a Recipient: click Delete , then Yes to verify the delete. Click Close when you are finished.

36

Commercial

Subsidiaries

Subsidiaries are secondary or alternate company profiles that you can use when creating a payment or a template. Use subsidiaries when your business requires that you create transactions for multiple entities. If you operate a relatively small firm with just a few accounts, this section may not apply to you.

To Add a Subsidiary:

Click on the Subsidiaries tab 1. On the Subsidiary Management page, click Add Subsidiary . 2. Fill out the required information regarding the subsidiary. 3. When finished, click Create Subsidiary .

The required fields in the Add Subsidiary page vary, depending on the payment types that you select.

37

Commercial

Subsidiaries

To Edit or Delete a Subsidiary:

Click on the Subsidiaries tab. 1. Find the subsidiary whose rights you would like to change; click the Edit icon: 2. To Edit a Subsidiary: click on the Assign Rights button. Make the necessary changes. Click the Save button. 3. To Delete a Subsidiary: click Delete , then Yes to verify the delete. Click Close when you are finished.

Deleting a subsidiary does not delete the subsidiary data from existing payments that use the subsidiary.

38

Commercial

Token Process

What are Tokens?

Tokens are a security device that adds another level of security when making ACH or Wire Transfer requests. Mobile device users with ACH or Wire Transfer Approval authority can download a software token from the appropriate App store. The application is called Symantec VIP Access. Once you have downloaded your Symantec™ VIP Transaction Authorization Token to your mobile device, you will need to provide us with your Credential ID to allow us to update your Online Banking profile so that you may begin transacting using your Symantec™ VIP Transaction Authorization Token. Please provide the Credential ID to us using the Secure Message system within Online Banking or if you prefer, you can call us at: 800.795.2524. Please do not email your Credential ID. Once we have received your Credential ID, we will send you a response via the Secure Message system within Online Banking to let you know that your Symantec™ VIP Transaction Authorization Token has been activated and that all future transactions will require this token in order to be completed.

Using Tokens:

After completing a Wire Transfer or International Wire Transfer, the user with Approval authority will click Approve. Click OK when the window prompts you to confirm the transaction. Then the following window will appear:

The first time a token is used, the dialog box will require users to enter two consecutive numbers. Enter Security Code 1, wait 30 seconds for a new number to appear on the token, and key the second number in the Security Code 2 field. The Security Code keyed must match the numbers expected by our online banking system in order for the wire transfer to successfully transmit. The wire transfer will not transmit without a successful match. For assistance with your token, contact us at 800-795-2524800.795.2524.

39

Commercial

ACH Pass-Thru

If you use a software package that can generate a file of ACH transactions, you can upload it to our website using this page.

To Import ACH Transactions:

Click on the ACH Pass-Thru tab. 1. Indicate which file you would like to import.

2. Choose the Process Date . 3. When finished, click Submit .

40

Commercial

Tax Payment

Never run to the local branch with a tax payment check again. Initiate a Federal or State tax payment through Electronic Federal Tax Payment System (EFTPS) from your home or office up to 30 days in advance.

To Initiate a Tax Payment:

Click on the Tax Payments tab. 1. Using the drop-down menu, select the Tax Authority . 2. A list of tax payment forms will appear. Choose your tax payment simply by clicking on it. 3. Enter the required information for the payment, then click Submit .

41

Positive Pay/ACH Reporting

Introduction

Positive Pay is a feature available to our commercial customers that will help to minimize or eliminate check fraud to prevent losses, provide easier management of Voids and Stop-Payments, and simplify month-end checking account reconciliation. With Positive Pay, you submit an electronic file each day detailing the checks your business issues. As each check is presented for payment, the Positive Pay system electronically compares it to the information in your file. If an item does not match the record you provide, it is flagged as an exception and referred back to you for a payment decision. Also available, ACH Blocks & Filters proactively monitors incoming ACH activity. Using this tool, every ACH transaction presented for payment is scrutinized. Suspicious transactions are presented for review. The service allows for firm restrictions on outgoing ACH payments, providing peace of mind that only authorized ACH transactions will be released. Click on the Positive Pay/ACH Reporting tab. This will open a new browser window for Positive Pay. When exiting Positive Pay, you should always use the Sign Out button located in the upper-right hand corner of the page. To Access Positive Pay/ACH Reporting:

42

Positive Pay/ACH Reporting

Upload Issue File

To Upload an Issue File:

Select Submit Issued Check File from the Transaction Processing menu. 1. Click Choose File and locate the file to be uploaded. 2. Use the Account ID dropdown list to select the account the issue was drawn from. 3. Select the previously mapped file type from the File Processing Type . 4. Click Process File . The file processing status will display at the bottom of the page.

43

Positive Pay/ACH Reporting Manually Enter a Check

To Manually Enter a Check:

Select Add New Issued Check from the Transaction Processing menu. 1. Use the Account ID dropdown list to select the account the issue was drawn from. Also, enter the check number , amount of the check , date issued, and payee information into the provided fields. 2. When you click Add Check , a confirmation of check added will display at the top of the page. A table of newly issued checks will appear at the bottom.

Multiple checks may be added in sequential order may be added by clicking the Auto-Increment Check Number.

44

Positive Pay/ACH Reporting

Void a Check

To Manually Void a Check:

Select Void a Check from the Transaction Processing menu. 1. Use the Account ID dropdown list to select the account the issue was drawn from. Also, enter the check number , amount of the check , and date issued into the provided fields. 2. Click Find Matching Check and the check information will populate under Step 3 on the page. 3. Review the check and click Void Check when ready to complete the action.

45

Positive Pay/ACH Reporting

Managing Exceptions

While processing your issues, the Positive Pay system will send you an e-mail notification if there are any exceptions to review. Exceptions represent two types of items: Items that don’t match check issues submitted by the client to the bank, or items attempting to clear an account where the Positive Pay service is set to run in reverse, requiring client review of all items.

The Exception Type tells you why the item is listed. This can include: > Duplicate Paid Item: Item was previously paid.

> Paid Not Issued: Bank was never notified of the item issuance. > Stale Date Item Paid: Item was issued longer than 180 days ago. > Stop Pay Request Match: Item matches a stop payment. > Voided Item: Item was previously voided. > Unauthorized ACH Transaction: Transaction flagged as an exception by ACH filter

rules applied to the account. To Manage Exceptions:

Selecting Quick Exception Processing from the Exception Processing menu. 1. The page can be filtered by Account ID , Display Type , or Status . 2. Using the Hide Exceptions Already Decided option will display only items requiring a pay or return decision. Decisions on exceptions must be made by 11:00AM PST. Any items left undecided will be handled per your default setting. All users will be placed into read-only mode after the cut-off time to prevent changes to the automated decision. 3. After review, use the Pay/Return Decision box to indicate whether the item should be paid or returned. If you select Return, you can add a reason for the return for later reference. 4. Click Update to submit the decisions.

46

Positive Pay/ACH Reporting

Reports

Positive Pay offers robust reporting functionality, found in multiple locations within the system. This allows you to keep track of payments and debits on your accounts.

In the Transaction Processing menu: > Review Checks: Will display all issued checks for the specified Account ID. It includes all outstanding issued items, paid items, and exceptions. In the Transaction Reports menu: > All Checks: Provides a report of all checks with filter capabilities for clients with multiple accounts and other criteria. > Outstanding Issued Checks: Provides a list of all issued checks that remain outstanding. > Paid Checks: Shows a listing of all previously paid checks. > Stops and Voids: Shows a report of items marked as stop pay or void. > ACH Items: Provides a listing of ACH transactions within a given date range. The default range is 90 days. > Exceptions Items: Shows a list of all items flagged as exceptions. > Stale Dated Checks: Provides a list of all checks considered to be stale dated, which were issued longer than 180 days prior. > Check Reconcilement Summary: Provides a list of newly issued, paid, and stop/ void checks. The report also shows a listing of outstanding checks as of the selected reconcilement date. In the System Reports menu: > Issued Check File: This report provides you with a log of all issued check files that have been electronically submitted in the Positive Pay system.

47

Services

Stop Payment

Using Online Banking with Heritage Oaks Bank, you can initiate a stop payment request from any device. Visit Activity Center to review the status of your request. The stop payment will remain in effect for six months. Stop payment requests can only be completed for checks, not electronic transactions.

To Initiate a Stop Payment Request:

Click on the Stop Payment tab. 1. Choose request type; single or multiple checks. 2. Click on each category

header on the left to select an account, enter a check number, and choose the date of the check.

3. When entering the check amount, be sure to click Save . 4. When completed, click Send Request .

48

Services

Manage Bill Pay Accounts

With Heritage Oaks Bank, you can manage your bill pay accounts.

Click on the Manage Bill Pay Accounts tab. 1. Select the addition accounts from which you would like to pay bills or uncheck accounts you would like to remove from bill pay. 2. Click Save .

49

Services

Add a User

Do you need to set up users? Our Online Banking system allows business owners and managers to set up multiple levels of access to the Online Banking accounts or Users. Each will have a unique user ID and password. If you are a larger business and think multiple accounts would be helpful, please contact your accountant or business financial advisors to establish the business policies. Once those policies are in place, the pages in this section will help you establish and configure your online banking users and their individual allowances within your accounts. If you manage a small company with only one person needing an online banking ID and password, you can skip this section.

For your convenience several features within Online Banking have a Grid/List option in the upper-right corner. Click on both, to discover which view option you prefer to use.

To Add a New User:

Click on the Manage Users tab. 1. Click the Add User button on the right-hand side of the screen. 2. Enter the new user’s personal information. Fields marked with an asterisk are required. When finished click Save .

50