John Marshall Bank Consumer Online Banking

A QUICK AND EASY GUIDE TO Consumer Online Banking

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 John Marshall Bank 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. © 2016 Murphy & Company, Inc.

Published by Murphy & Company, Inc. 13610 Barrett Office Drive, Suite 206 St. Louis, MO 63021 mcompany.com

Chrome is a trademark of Google Inc. Microsoft, Windows, Excel, and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken, QuickBooks and FinanceWorks 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.

Welcome to John Marshall Bank's Consumer Online Banking!

We work hard to provide our customers with the financial tools they need to achieve the goals in life that matter. Consumer Online Banking is an important one of those tools. With John Marshall Bank's Consumer Online Banking, you will enjoy enhanced online banking capabilities to help you move funds between accounts you have with us or another financial institution, complete credit card and bill payments, as well as quickly managing your accounts with ease. To learn more about John Marshall Bank's Consumer Online Banking, please visit us at johnmarshallbank.com .

1

Table of Contents Security 4 Register . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Logging In and Secure Access 10 Financial Center and Menu . . . . . . . . . . . . . . . . . . . . . 12 Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 This section provides various ways to view account activity Accounts Overview . . . . . . . . . . . . . . . . . . . . . . . 15 Accounts Activity 16 Statements 17 Download Banking Transactions . . . . . . . . . . . . . . . . . . 18 Online Check Deposits . . . . . . . . . . . . . . . . . . . . . 19 Manage Banking Categories . . . . . . . . . . . . . . . . . . . 20 Create a Banking Report . . . . . . . . . . . . . . . . . . . . . 21 Pay and Transfer . . . . . . . . . . . . . . . . . . . . . . . . 23 This section supports moving money in and out of your accounts Funds Transfer Make a Transfer . . . . . . . . . . . . . . . . . . . . . . . . 24 Scheduled Transfers 25 Bill Payments Enroll in Bill Payment . . . . . . . . . . . . . . . . . . . . . . 26 Make a Credit Card Payment . . . . . . . . . . . . . . . . . . . 27 Make a Recurring Credit Card Payment 28 Scheduled Credit Card Payments 29

2

Customer Service 30 This section facilitates communication with the bank, alert maintenance and administration activities Account Maintenance Change Password 31 Change User ID . . . . . . . . . . . . . . . . . . . . . . . . 32 Manage Contact Information . . . . . . . . . . . . . . . . . . . 33 Change Address 34 Change Statement Delivery Method 35 Customize Your Accounts . . . . . . . . . . . . . . . . . . . . . 36 Manage Mobile Banking Settings . . . . . . . . . . . . . . . . . . 37 Account Services Stop a Check . . . . . . . . . . . . . . . . . . . . . . . . . 38 View Stopped Checks . . . . . . . . . . . . . . . . . . . . . . 39 Order Checks . . . . . . . . . . . . . . . . . . . . . . . . . 40 Request Bill Payment Research 41 Make a Brokerage Transfer . . . . . . . . . . . . . . . . . . . . 42 Contact Options View Messages . . . . . . . . . . . . . . . . . . . . . . . . 43 Contact Us 44 View My Alerts 45 Disclosures Service Agreement . . . . . . . . . . . . . . . . . . . . . . . 47 Privacy Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 Open an Account . . . . . . . . . . . . . . . . . . . . . . . . 49 Create a new account with John Marshall Bank

3

Security

By following our tips, Consumer Online Banking at John Marshall 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. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name or other obvious choices. Secure Sockets Layer Encryption (SSL) 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. You can identify whether or not you are using a secure site by noticing the lock at the bottom right of your computer screen and by the HTTPS in the URL. The "S" in HTTPS identifies the site as secure. 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. > Memorize your passwords. > Exit your Online Banking session when finished. > Do not leave your computer unattended when logged into 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 John Marshall Bank .

4

Security John Marshall Bank will never send unsolicited emails asking you to provide, update, or verify personal or confidential information or login credentials 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.

5

Register To enroll in an online banking experience with John Marshall Bank , simply go to our home page using the browser of your choice. From your desired browser’s address bar, enter www.johnmarshallbank.com . The home page will then display, along with additional links and features. You will notice the URL is secure by its HTTPS designation.

1 To register for our banking services, click the Register Here link. You will be prompted to provide additional information on another page.

6

Register (continued) Step 3 Select an account type and review and verify that you have read our Personal Online Banking Access Agreement. Click Continue to proceed.

Step 4 Enter the required personal information. Click Continue to proceed.

7

Register (continued)

Step 5 Enter additional required information. Click Continue to proceed.

Step 6 Enter the required information to create a user profile. Click Continue to proceed.

8

Register (continued)

Step 7 You will then receive a confirmation of your enrollment. Click OK to finish.

9

Logging In and Secure Access To begin your online banking experience with John Marshall Bank , simply go to our home page using the browser of your choice. From your desired browser’s address bar, enter www.johnmarshallbank.com . The home page will then display, along with additional links and features. You will notice the URL is secure by its HTTPS designation.

1 In the provided space under the Personal Online Banking Sign In panel, enter your user name. Click Go to continue. 3 If you have forgotten your password, click the Forgot user name? link. To register for our banking services, click the Register Here link. For both links, you will be prompted to provide additional information on another page.

10

Logging In and Secure Access (continued) Signing into Consumer Online Banking is easy. Simply enter your login information in the provided spaces when prompted. You may be asked to reset your password if it has expired. Step 1 Enter your User ID in the provided space. Click Continue to proceed.

Step 2 You will then be prompted to enter your password. Click Sign-On when finished.

11

Financial Center and Menu Once you have successfully logged in to your account, the Financial Center page will display. This page serves as a convenient dashboard of account information that can be arranged and displayed however you choose.

1 Global navigation menu options are located at the top of each account page for quick access to basic functions, including Bank Home , Help and Sign Off . 2 Necessary banking functions and tools can be found within the menu bar and are highlighted on the proceeding page. 3 Using the buttons located on the top-right side of each panel, choose to either delete the panel [▼] , or close and expand the panel [–] . 4 Under the Money Center panel, there are quick links to aid you in completing necessary banking tasks, such as Transfer Funds, Pay Bills, Pay Credit Card, and Deposit a Check. 5 If you would like to begin banking on a mobile device, click Get Started to register.

12

Financial Center and Menu The top of each account page is accommodated with a convenient menu that helps maintain easy navigation. Quickly jump from one account page to another by clicking your mouse on a main menu item and revealing the submenus.

Menu items include: 1 Financial Center: This option will return you to the Financial Center dashboard page. 2 Accounts: This section provides various ways to view account activity. ▪ Accounts Overview ▪ Accounts Activity ▪ Statements ▪ Download Banking Transactions ▪ Online Check Deposits ▪ Categories ▪ Create Banking Reports ▪ TurboTax ® 3 Pay and Transfer: This section supports moving money in and out of your accounts. ▪ Funds Transfer ▪ External Transfers ▪ Bill Payments ▪ Credit Card Payments 4 Customer Service: This section facilitates communication with the bank, alert maintenance and administration activities. ▪ Account Maintenance ▪ Account Services ▪ Contact Options ▪ Disclosures 5 Open an Account: Create a new account with John Marshall Bank !

13

Accounts This section provides various ways to view account activity by creating reports using your account summary and transaction data. It is good practice to regularly utilize this feature, as it promotes awareness of all activities that occur on your account(s).

1 Click on Accounts in the menu bar to reveal the additional submenu page. 2 Submenu items and links are available as quick access to perform your desired banking process. Each link's destination page will also contain Quick Links, located on the left-hand side.

14

Accounts: Accounts Overview

1 To reveal activity information, select a specific entry link. 2 Click the arrow icon [▼] next to an entry link to reveal additional options. 3 Additional options will then be displayed in a new menu. 4 To expand a section in order to reveal activity entry links, click [+] . Then, click [–] to collapse the section.

15

Accounts: Accounts Activity

1 From the drop-down menu, select the account from which you would like to review activity. Click Go . 2 To review additional details about the account, click View account information . 3 To review transactions that have been scheduled, transaction history, or to toggle the viewing display, click the appropriate link. 4 Activity for the selected account will display within the list shown.

16

Accounts: Statements

1 Accounts that you currently hold will display as shown. 2 To view your last statement or all statements for an account, click the appropriate link. A new screen will display and you will be able to review statement details by clicking a Statement Date. 3 At the bottom the Statements screen, you have the option of managing your statement delivery method by clicking the link provided. ► Prior eStatement enrollments will not be accepted. On or after April 11th, you must re-register for eStatements with the new system. To re-register for eStatements, you will be authorized to access your accounts. Access will appear on the customer’s menu. All you need to do is click the menu item and you will then be sent to the eDelivery system. Read and accept the agreement, after which you will be sent to the Main screen for eDelivery.

17

Accounts: Download Banking Transactions

1 Begin by choosing the desired account from the drop-down menu. 2 Next, select the oldest date ( From ) and the newest date ( To ) for the transaction. You may utilize the convenient calendar feature for added ease. 3 Select the file format type. 4 Click Download Transactions to review results of your search criteria.

18

Accounts: Online Check Deposits

1 Once you have reviewed the information and FAQs about online check deposits, click Submit enrollment request if you would like to proceed with the service. We will contact you when the request is processed and you can start depositing checks online.

19

Accounts: Manage Banking Categories

1 Categories that you currently hold will display as shown. 2 To include a new category to your list, select the add a new category link. 3 You will then be asked to provide information about the new category, including a name,

description, type, and whether it is a tax item. 4 Select Add category when you are finished.

20

Accounts: Create a Banking Report

1 From the drop-down menu, specify the account. 2 Next, select the oldest date ( From ) and the newest date ( To ) for the report. You may utilize the convenient calendar feature for added ease. 3 From the drop-down menu, select the type of transactions you want to include. 4 Decide which categories to include in the report. To select categories by type and tax status, select the button next to this option. 5 Select the category type by selecting the corresponding checkbox. 6 From the drop-down menu, select the tax status. 7 To select categories by name, select the button next to this option.

21

Accounts: Create a Banking Report (continued)

8 From the category list provided, click the checkbox next to the desired category you would like to include in the report. 9 Click Create Report to review results of your search criteria.

22

Pay and Transfer This section supports moving funds into and out of your account(s). From here, you are able to set up single or multiple transfer events, pay bills and complete credit card payments.

1 Click on Pay and Transfer in the menu bar to reveal the additional submenu page. 2 Submenu items and links are available as quick access to perform your desired banking process. Each link's destination page will also contain Quick Links, located on the left-hand side.

23

Pay and Transfer: Funds Transfer Make a Transfer

1 From the drop-down menus, select the account from which you would like to debit funds ( From ) and the account you would like to credit ( To ). 2 In the space provided, enter the amount of the transfer. Next, select the desired

frequency of the transfer from the drop-down menu. 3 Enter the date you would for the transfer to begin.

4 If you would like the transfer to occur without an end date, select the Continue indefinitely button, otherwise select the Continue until this date button and enter the end date in the space provided. 5 If you have a desired amount of transfers that you would like to occur, select the appropriate button and enter the number in the space provided. 6 Click Continue to proceed.

24

Pay and Transfer: Funds Transfer Scheduled Transfers

1 Transfers that have been scheduled will display as shown. To edit or delete the scheduled transfer, select the appropriate option link.

25

Pay and Transfer: Bill Payments Enroll in Bill Payment

1 To begin enrolling an account for bill payment, click Enroll . 2 From the drop-down menu, choose an eligible account you want to use to pay bills. 3 Click Enroll . 4 You will then receive a confirmation message upon a successful enrollment.

26

Pay and Transfer: Credit Card Payments Make a Credit Card Payment

1 From the drop-down menu, select the account from which you wish to debit funds. 2 Next, select the card account you wish to pay. 3 Select, the date on which you would like to pay. You may click either the This date: button and enter the date in the space provided, or the Next statement due date button. Click the set up recurring payments link if you wish for payments to occur more than one time. 4 Specify the amount of the payment by clicking either the This amount: button and entering the amount in the space provided, or the Percentage of statement balance: button and entering the number in the space provided, or clicking the statement minimum or full amount options. 5 Click Continue to proceed.

27

Pay and Transfer: Credit Card Payments Make a Recurring Credit Card Payment

1 From the drop-down menus, select the pertinent debit and credit card account. 2 Choose how you want to schedule your payments. To submit a payment on every statement due date, click the Make a payment every statement due date button. Next, specify the amount of the payment by clicking either the This amount: button and entering the amount in the space provided, or the Percentage of statement balance: button and entering the number in the space provided, or clicking the statement minimum or full amount options. 3 For recurring payments, click the Make a payment based on a different frequency button. Then, select the frequency of the payments from the drop-down menu, enter the amount, and then the date on which to begin the payments. 4 Click the button next to the desired option for how you wish to terminate the recurring payments and enter the necessary information in the provided spaces. 5 Click Continue to proceed.

28

Pay and Transfer: Credit Card Payments Scheduled Credit Card Payments

1 Credit card payments that have been scheduled will display as shown. To edit or delete the scheduled payment, select the appropriate option link.

29

Customer Service This section facilitates communication with the bank, alert maintenance and administration activities so you can stay on top of any management tasks, issues or inquiries that may present itself during your online banking experience.

1 Click on Customer Service in the menu bar to reveal the additional submenu page. 2 Submenu items and links are available as quick access to perform your desired banking process. Each link's destination page will also contain Quick Links, located on the left-hand side.

30

Customer Service: Account Maintenance Change Password

1 In the first space provided, enter your current password. In the next space, enter your new password.

2 Confirm the new password. 3 Click Submit when finished.

31

Customer Service: Account Maintenance Change User ID

1 In the space provided, enter you new user ID. 2 Next, confirm the new ID. 3 Click Submit when finished.

32

Customer Service: Account Maintenance Manage Contact Information

1 To change your current email address, simply click the Change link. A new window will then display, allowing you to enter your new address. 2 To change your phone information, simply click the Change link. A new window will then display, allowing you to enter your new phone number. To delete a number, simply click the Delete link.

33

Customer Service: Account Maintenance Change Address

1 Within the first set of provided spaces, enter your new street address. 2 Next, provide the city, state and zip code information. 3 Specify if you would like to add the address change to all accounts or only the accounts that use the current address by clicking the appropriate button. 4 Enter the date from which you would like the new address to take affect. 5 Click Submit when finished.

34

Customer Service: Account Maintenance Change Statement Delivery Method

1 From each account's corresponding drop-down menu, select the desired statement delivery method — Online or Paper . 2 When finished, click Submit . 3 XXXX

35

Customer Service: Account Maintenance Customize Your Accounts

1 For each account, utilize the provided spaces to revise an account's description. 2 If you wish to remove an account from view, click the account's corresponding checkbox under the Hide Account column. 3 When finished, click Submit .

36

Customer Service: Account Maintenance Manage Mobile Banking Settings

1 Once you have chosen to manage your mobile banking settings from our main menu, you will be directed to a new third-party screen. From here, you will be able to view the details of the phones you currently have enrolled, if any. To activate your phone for text or mobile banking, click Activate Now . 2 To change your phone number or carrier, disable your phone, remove your phone from the list, or receive an activation code, simply click the appropriate button as shown. 3 To begin adding a new phone, click Add phone . 4 Review the options and details for text or mobile banking, as well as utilize the links at the bottom of both side panels to direct you to further information.

37

Customer Service: Account Services Stop a Check

1 From the drop-down menu, choose the account from which the check was issued. In the space provided underneath, enter an optional reason for stopping the check. 2 Choose whether you are stopping a single check or a range of checks by selecting the appropriate button. 3 Depending on your choice, specify the requested information in the provided spaces. 4 Click Continue . 5 You will then be asked to verify you request. Click Submit Request to proceed.

38

Customer Service: Account Services View Stopped Checks

1 Checks that have been scheduled to stop will be listed as shown. 2 If you wish to delete a scheduled stop, simply click Delete .

39

Customer Service: Account Services Order Checks

1 Once you have chosen to order new checks from our main menu, you will be directed to a new third-party screen where you may complete your order.

40

Customer Service: Account Services Request Bill Payment Research

1 To begin your research request, select the account from the drop-down menu. 2 Enter the information that is requested, including a reason for the request, payee information, as well as the payment information and the fees that have been accessed, if any. Then, provide an optional message. 3 Click Send Request to proceed.

41

Customer Service: Account Services Make a Brokerage Transfer

1 To begin, select the desired checking account from the drop-down menu. 2 In the space provided, enter your brokerage account number. 3 Select whether you wish to transfer funds from your checking or brokerage account. 4 In the provided space, enter the amount of the transfer. 5 Next, enter a phone number. 6 Click Submit transfer request to proceed.

42

Customer Service: Contact Options View Messages

1 To delete a message, select the checkbox that corresponds to the message that you want to remove. 2 Click Delete messages .

43

Customer Service: Contact Options Contact Us

1 To begin, select a subject from the drop-down menu that is relevant to your inquiry. 2 Next, select the account that you would like to bring to our attention, if any. 3 Then, enter your message in the provided space. 4 When finished, click Send message .

44

Customer Service: Contact Options View My Alerts

1 Alerts that have been added will be listed as shown. To remove an alert, click Delete . 2 If you wish to add a new alert, simply click the add a new alert link. 3 From the drop-down menu, select the account to which you want to add alerts. 4 Specify one or more alerts for the selected account. 5 Enter an amount that is pertinent to the alert you have chosen.

45

Customer Service: Contact Options View My Alerts (continued)

6 Next, select whether you would like to add a second notification method. 7 Click Submit .

46

Customer Service: Disclosures Service Agreement

► Once you select the Service Agreement menu item, you will be directed to a new page where you may review the Personal Online Banking Access Agreement.

47

Customer Service: Disclosures Privacy Statement

► Once you select the Privacy Statement menu item, you will be directed to a new page where you may review the Online Banking Privacy Policy.

48

Open an Account

1 Review the notes that are presented as shown. As stated, you can only add an account for yourself and a funding account must be available before you begin this process. Contact information is also available for additional information and inquiries. 2 Specify what kind of account you would like to open and choose the type of account from the drop-down menu. Then, click Open now .

49

Notes

50

Notes

51

1943 Isaac Newton Square, Suite 100 Reston, VA 20190 703-854-0840 JohnMarshallBank.com