The Guide below is to help assist Users in navigating our Cash Management Online Banking

The Guide below is to help assist Users in navigating our Cash Management Online Banking If you have questions please call or email our Cash Management Support Team at 1-844-213-5198 or CEN-CMOperations@my100bank.com Link to Cash Management Portal: https://online.my100bank.com/cm/bankonline TABLE OF CONTENTS Section 1 Navigating to the Cash Management Login Screen Section 2 Logging in as a User Section 3 Accounts & Reporting Reporting, Transaction History, Downloadable Reports, Stop Payments, Check Image Viewing, Managing Positive Pay Exceptions, Quicken, QuickBooks or Mint, Section 4 Transfer Funds One time and scheduled internal transfers Section 5 Documents E-Statements and Notices Section 6 ACH & View ACH Participants, Templates, ACH Batch Processing, Batch History, Returns and NOC s Section 7 Wires Wire processing (International & Domestic), Viewing Wire (Incoming & Outgoing) Section 8 Services Bill Pay and Quick Links to outside websites Section 9 Profile Edit Profile, Enroll in e-statements, Verify Email Address, Change Password and Account Alerts Section 10 Support File Transfer (Positive Pay File Uploads) and Messages Section 11 Frequently Asked Questions DISCLAIMER *The How To Guide encompasses all options/services available in the Cash Management Online Banking. Not all companies and not all users are entitled to all options/services* Page 1

SECTION 1 NAVIGATING TO THE CASH MANAGEMENT LOGIN SCREEN Go to: www.my100bank.com Hover over Business Banking Click on Cash Management Click on Cash Management Login Fill in Login Information Page 2

SECTION 2 LOGGING IN AS A USER STEP 1: Login as a User to process daily reconcilement: (all fields are case-sensitive) Company ID: Issued by the Cash Management Group. User ID: Issued by your Superuser Password: Issued by your Superuser o You will be required to changepassword ** If prompted, enter the authentication number from your security token** STEP 2: Setup Access Authorization Q&A s for User s profile: Three character minimum Answers ARE case-sensitive No two questions can be the same No two answers can be the same Click drop down box for additional questions STEP 3: Change User Password Current Field: password issued by Superuser/Administrator New Field: (8 to 13 characters long, must contain at least 1 numerical value, one capital letter) Verify Field: (same as above, must match New Password field) Click Change Password The Menu Bar across the top of the screen will assist you in navigating the Cash Management Online Banking Page 3

SECTION 3 ACCOUNTS ACCOUNTS The Accounts tab will allow you to view information regarding your accounts. Click on the word Accounts Click on the blue highlighted account number for transaction history, stop payments, pending ACH and viewing of cleared checks. Black Diamonds will allow you to sort by Account Name, Account Number, Ledger Balance, Collected Balance and Available Balance Navigating your account information o o o A Balance Information B Add Stop Payments (no forms needed) C View Current Stop Payments Page 4

o o o o D Current day s pending ACH transactions E Current day s bank processed transactions F Completed transactions as of last business day Transactions are sortable via Sort Field, Sort Order, Query Field, Start Date, End Date and Items Per Page G View copies of cleared checks (front and back) and view deposit slips (front and back) *NOTE* for copies of checks in posted deposits contact your local branch* Page 5

Downloading Transactions (Internet Explorer is the preferred web browser for this task) Step 1 - Select the account you wish to download transactions Step 2 - Click Download Step 3 - Choose File Format Step 4 - Select desired range of dates Step 5 - Click Download Step 6 - Click on Quicken or QuickBooks Cash Management User How to Guide is an independent publication and is neither affiliated with, nor authorized, sponsored, or approved by Microsoft Corporation Page 6

ash User Managem How To ent Guid e Step 7 - Choose "Save" and select the desired file path and name Open QuickBooks or Quicken and import your file Adding Direct Connect (Internet Explorer is the preferred web browser for this task) Step 1 Go to the profile tab and go to the section labeled External Financial Services Access Step 2 Copy the Direct Connect User ID Step 3 Log into your Quicken, QuickBooks or Mint, and search by the website www.my100bank.com to add your accounts Step 4 When prompted for your User ID paste the Direct Connect User ID that was copied from the profile tab and enter in your password in the next box that will be labeled as Password or Pin. The password will be for the Cash Management site. Once all these steps are completed you are directly connected between the sites. You will need to sync or refresh the accounts once they are linked to get the new transactions to merge over to Quicken, QuickBooks or Mint. Page7

ash User Managem How To ent Guid e Viewing Positive Pay Exceptions Click on Positive Pay A. Available Positive Pay Accounts - Use the dropdown box to select the account you wish to view for Positive Pay items. B. Payment Decisions This section will be used to make exception decisions, pay or return. The decision must be made by 10:00 am CT, 11:00 am ET. If no decisions are manually decided by time indicated, the item will default to pay or return based on the parameters within the Positive Pay Agreement. Click the image on icon to view the item. To make a decision on an item, select Pay or Return then click Update Decisions. If the item needs to be returned, click the return option, select the reason from the dropdown list, and then click Update Decisions. No decisions can be made after the deadline times. If no decision is made, the default will be as marked. Should there be discrepancies with the item such as an incorrect check number or the amount paid is incorrect, please email cen-cmoperations@my100bank.com for corrections. C. Add A Single Issue Item This section is designed to issue / void a single check. Enter the check number, Description (Payee), date of the issued item (MM/DD/YYYY), the amount, then select if the item is issue or void, and then click the orange plus sign. This will add the item to your Positive Pay issue. D. Upload an Issue Item File This section is designed to upload an acceptable formatted issue file. Select browse, choose the proper file for the positive pay account and then select Upload File. A message will appear to confirm the count and amount of the file. If the file has any rejects, the messages will prompt you to View Report. Please note - Large files may take longer to upload. Do not click upload multiple times. A B C D E Page8

ash User Managem How To ent Guid e Once the file has uploaded, you will receive a message stating that the file was uploaded successfully or there were errors in your file. View the report to verify the items uploaded match the submitted file or to see what errors need to be corrected prior to re-uploading the file. If there are any errors they will need to be corrected and the file uploaded again to receive a successful upload message and report. E. At the bottom of your main Positive Pay screen you can view the audit trail of what activity has taken place in Positive Pay. Click View All and you will be able to change the dates to view the current date audit trail or select a previous date to view the audit trail activity. Once you are done click the Back button and return to the main Positive Pay screen. Page 9

ash User Managem How To ent Guid e REPORTS The Reports tab will allow you to pull a Daily Account Report of all transactions that can be viewed via text, PDF or by Download. Retrieving Reports Step 1 - Hover over the word Accounts and click on Reports Step 2 Select the date for transactions (transactions will start from the beginning of the calendar month) Step 3 - Click Select Date Step 4 Select Text File, PDF File or Download Example Report Below Page10

SECTION 4 TRANSFER FUNDS TRANSFER FUNDS Transfer Funds tab allows you to transfer monies internally between user enabled accounts/loans (if applicable). Step 1 - Click on Transfer Funds Step 2 - Select the From account (account you want the money to come from) Step 3 - Select the To account (account you want money to go to) Step 4 - Select the Frequency (certain frequencies will require dates for reoccurring transfers) Step 5 - Optional Description (52 characters of space) Step 6 - Amount of Transfer XX,XXX.XX Step 7 - Click Transfer Funds *Non-Revolving Loan no transfer capability **Revolving Loan or Line of Credit transfer capabilities, special rules apply, contact a Treasury Representative Current cycle transfer cutoff is 7 PM CT, 8PM ET If a Scheduled Transfer is setup up you will see it listed below the Transfer Funds box. To Delete a transfer at any time click the trash can to delete. Transfers cannot be edited, you must delete the incorrect transfer and re-input. Page 11

SECTION 5 DOCUMENTS DOCUMENTS - Documents tab allows you to view previous Statements for each account enrolled in electronic statements. Notices are information regarding returned checks or items that have overdrawn your account. E-STATEMENTS To view a statement select the date of the statement you wish to view and click on the blue paper icon under the View column o Once you are authorized by your Superuser to enroll your accounts in E-Statements you will be able to view those statements online going forward. Statements before the enrollment to E-Statements are not available online. Contact your local branch for previous statements. E-S tatements open in a new web browser tab, you can save or print from here NOTICES To view a notice select the date of the notice you wish to view and click on the blue paper icon under the View column o Notice of Chargeback Information regarding a check you deposited that has been returned to your account. See Example below. o You will still receive a notice in the mail and a legal copy of the returned check o Notices open in a new web browser tab, you can save or print from here Page 12

SECTION 6 ACH & VIEW ACH ACH Allows companies to credit or debit bank accounts electronically via routing and account numbers. Click on ACH to create and store participants (people or companies you credit or debit money), create templates for batches, add recurring templates and initiate batches. Participant Management Your participants are the people or companies you debit or credit money to/from Step 1 - scroll down to Participant Management (items in red are required information) A Name: Name of Participant B Description - Description of what ACH transaction is for C ABA - Routing Number of account to debit or credit D Account Number E Account Type Checking or Savings F Add Participant Step 2 Enter your Security Token Authentication when prompted. Step 3 Edit Participant G Review Participant information for errors. If there are any errors correct and select Change Participant H Once correct click Back If necessary repeat steps 1 through 3 for additional participants Page 13

Batch Template Management Non-Recurring Templates are the groups of participants you credit or debit. Step 1 Scroll down to Batch Template Management (items in red are required information) A Template Name Ex: Payroll B Entry Description Ex: Payroll C SEC Code CCD Commercial Accounts in this Template Only PPD Personal Accounts in this Template Only D Offset Account Centennial account you want the money to debit or credit from depending on template type E Add Template Step 2 Edit Template Add Participants to this template A Select a participant from the drop down box B Select Withdrawal (Debit) or Deposit (Credit) C Add dollar amount (if dollar amount will vary with each ACH transaction, you can leave the Amount field blank) D Click plus sign to add this participant to this template E Click Update F Click Back to navigate back to the ACH Origination screen Repeat A E to add additional participants to this Template page 14

Batch Template Management to Schedule Recurring ACH Batches Create a batch to reoccur with a start date and max count OR start and end date. Contact your Treasury Representative to be setup with this service. Step 1 Scroll down to Batch Template Management (items in red are required information) A Template Name Ex: HumanSociety Donation B Entry Description Ex: HS Donation C - SEC Code CCD Commercial Accounts in this Template Only PPD Personal Accounts in this Template Only D Offset Account Centennial account you want the money to debit or credit from depending on template type E Add Template page 15

Step 2 Edit Template to Recur and add Participants F Select Yes from the drop down box G Choose Frequency with which you want the batch to recur H Select a Start Date (must be at least 4 business days in advance of current date) I Max Counts - Enter the number of times for the Batch to recur **OR** J - Select an End Date K Batch Type Credit or Debit L Update to Save Changes M Select your participant to be added to this batch N Add dollar amount to recur O Click the circled arrows to update participant information P Approval Depending on your User access this option may require a different user approval Q Click Back page 16

Approving a Recurring Batch the User who approves the recurring batch must review all information regarding the batch and click Yes or No to approve. Note:- If a user approves a recurring batch and then is deleted as a user from your Cash Management, the recurring batch will need to re-approved for it to continue to occur. Recurring Batches View the listing of batches that are set to recur. Select your batch and click View Batch *Note: Changes made to schedules, participants and established templates will terminate all future batches** page 17

View Audit Trail will show you the activity for the selected batch View All will allow you to view all recurring batches audit trails page 18

ACH Files/Single Batches Create single batches for approval to initiate an ACH transaction Step 1 Go to ACH Files/Single Batches A Select the requested template for processing an ACH transaction B Click Add a Batch Step 2 You will receive a notification that your batch has been successfully added and given the option to View Report or go Back. This report is not a confirmation of a completed ACH transaction. (The referenced report on this screen is also available in the Reports feature of ACH in the Menu Bar) o Click View Report or click Back Step 3 Return to the ACH Files/Single Batches and you will see your newly created batch waiting to be edited. C Click the Pencil to edit the newly created batch as needed page 19

Step 4 Edit newly created batch D Review Effective Date Date you want the money to credit or debit these accounts Credits may be sent 2 business days prior to effective date, and no later than 1 business day prior Debits may be sent 1 business day prior to effective date E Add dollar amount to credit or debit for each participant F Add addenda information e.g. Payroll WE 4/21/2017 G If you don t want to send money to a participant delete them from this batch (this will not delete them from your template, just this batch) H Update Batch after changes I Click Back for Marking and Verification of batch (you will be taken back to the ACH Files/Single Batches screen) Step 5 Mark the Batch J After verifying the offset information (Date, Account, Amount DR/CR) click the Blue Ribbon to Mark the batch. Marking the batch means you have no other changes to make and the batch is ready to be verified. page 20

Step 6 Verification of Batch K Verify the offset information as the Verifier. (Date, Account, Amount, DR/CR) L Once the batch has been marked, you (or a secondary User if Dual Controls are enforced) must verify the batch before the ACH Origination cut off time of 4:00pm CT/5:00pm ET to ensure the ACH transaction(s) process. Once the batch has been verified the status will change to Verified and then Processed once the bank has pulled the ACH batch in for processing. **NOTE: when originating ACH Credits, the status will appear in orange (Verified) if there are not sufficient funds in the offset account to process the batch** page 21

View ACH Allows you to view current and previous ACH item originated, EDI information and Return & NOC information. Hover over ACH and click on View ACH. ACH Type: History ACH transactions originated prior to today s date o Search dates are not required, but can assist in finding information faster. Click Search at the bottom of screen o Scroll down and click the icon under the Actions tab to view information ACH Type: Current ACH transactions originated on today s business day o No need to enter dates, click Search at the bottom of the screen o Scroll down and click the icon under the Actions tab to view information ACH Type: EDI (Electronic Data Interchange) the electronic interchange of business information from one company to another sent electronically rather than with paper. o Search dates are not required, but can assist in finding information quickly. Click Search at the bottom of the screen o Scroll down and click the icon under the Actions tab to view information page 22

ACH Type: Returns & NOC s o Returns Items returned to your account for various reasons (Insufficient Funds, Stop Payment, etc.) o NOC s (Notices of Change) Banks will send you notices about routing number changes or account number changes for participants. The funds have been accepted by the receiving bank. o Enter search dates and click Search at the bottom of the screen o Scroll down and click the icon under the Actions tab to view information Example Return A Participant's Name B Transaction Code / Description C Transaction Amount D Return Code / Reason for Return Example NOC E Change Code / Corrected Data page 23

SECTION 7 WIRES WIRES Electronically send money to a person or entity for same day credit Add a Beneficiary Step 1 Scroll down to Add a Beneficiary (all items in red are required information) A Nickname Nickname for Beneficiary of funds B Name Name of Beneficiary of funds C Address Line 1, City, State, Zip Address of Beneficiary D Beneficiary Account Account number of beneficiary receiving money E Amount If this Beneficiary is reoccurring and the dollar amount varies leave amount box at zero. F Beneficiary Financial Institution Information Discretionary information: For Further/Final Credit to (not typical for most domestic wires) G Offset Account The account money will be debited from to fund the wire H Receiving FI Routing Number Receiving Financial Institutions (Bank) Routing or ABA number I DBA Company If you have wire access from multiple entities, select the company name that corresponds to the offset account number. J Add Beneficiary or choose One-Time ONLY WIRE Step 2 Enter your Security Token Authentication number when prompted. page 24

Step 3 Edit Beneficiary K Review all Beneficiary information for accuracy L If changes are made click Save Changes to Beneficiary M Click Back once completed page 25

Create a Wire for Processing Step 1 - Select Beneficiary to create wire transfer A Lookup the desired Beneficiary OR B Search for the Beneficiary by using arrows to scroll, select Beneficiary C Click Add Transfer page 26

Step 2 Edit Wire Transfer D Add dollar amount of wire as necessary E Select release date (if desired processing date is NOT current day) F Discretionary information: For Further/Final Credit to (not typical for most domestic wires) for this wire only (e.g. invoice number etc.) G If changes are made click Save Changes to Wire Transfer H Click the Verify Wire Transfer button to process the wire, (if Dual Controls are enforced, see step I ) I Click Back for Dual Control Approval page 27

Determine your wire type per the beneficiary s wire instructions. If it doesn t have a correspondent bank select International Wire without correspondent bank, should they have a correspondent bank select International wire with correspondent bank. Add a Beneficiary Step 1 Scroll down to Add a Beneficiary (all items in red are required information) A Nickname Nickname for Beneficiary of funds B Name Name of Beneficiary of funds C Address Line 1, City, Country and Postal Code Address of Beneficiary (If you don t have a post code input 11111) D Beneficiary Account Account number of beneficiary receiving money this may also be called an IBAN number E Amount If this Beneficiary is reoccurring and the dollar amount varies leave amount box at zero. This is for US Dollars only. F Reason for Payment- If you have an account number and an IBAN number placed in this section or if there was not enough room for the IBAN number under the beneficiary account number place the full IBAN here, also place the reason for the payment i.e. Invoice # G Offset Account The account money will be debited from to fund the wire H Receiving FI Routing Number Receiving Financial Institutions (Bank) Routing or ABA number I ID Code This is for the Receiving Bank's BIS/Swift Code. Select Swift Lookup and search by the SWIFT code provided in the wiring instructions, once this is entered the rest of the information will populate. J Add Beneficiary for recurring wire or choose One-Time ONLY WIRE H A B C 11111 E D F G I J page 28

Verify/Delete/Edit Wire Transfers Step 1 Scroll down to Verify/Delete/Edit Wire Transfer section A Status shows this wire is To be Verified B Action Items See Key Click the to verify the wire forprocessing Be sure wire is verified before the cut off time of 4pm CT (5pm ET) for same day processing. page 29

Incoming Wires View information regarding wires that have come into the account Step 1 Hover over Wires and click on Incoming Wires A Enter date range or any selected search information B Click Search C Select the wire you want to see information for by click on icon under theactions D Originator/Sender information with detail page 30

Outgoing Wire - View information regarding wires that have been sent out of your accounts Hover over Wires and click on Outgoing Step 1 Wires Type Determines your search type Step 2 A Enter search dates or any selected search information B Click Search C - Select the wire you want to see information for by click on the icon under Actions page 31

SECTION 8 - SERVICES SERVICES Services tab includes Order Checks, Tax Payments and Billpay. Order Checks and Tax Payments are quick-links to websites outside of the Centennial Bank website. You are required to log back into the Centennial Bank website when you return. Billpay allows you to pay bills to vendors via a check or electronic payment. ORDER CHECKS TAX PAYMENTS Billpay continued on next page. page 32

BILL PAY Hover over Services and click on Bill Pay Options in the left hand column will help you navigate the bill pay system. Payments Outbox will show you payments that are In-Process The Help option at the bottom of the column can help you navigate the bill pay system with How Do I, Glossary, or Frequently Asked Questions links. page 33

SECTION 9 PROFILE PROFILE The Profile tab allows users to manage their user profile. Users can Edit Profile, Change Password or manage Account Alerts if they have been given access to do so. EDIT PROFILE User Information: User s ID, first and last name, next password change and last log in Account Nicknames: Lists current nicknames for accounts user has access to. Changing them here will change Nicknames for ALL users. User can Click to Enroll for Estatements/Notices. Speak to your Superuser before enrolling. Email Address Change or Verification: Email address can be verified or changed here, click circled arrows to have a verification code emailed to this email address. Once you receive the email type in the 6 digit verification code and press enter. (Emails could take a few minutes to be received). Your email address must be verified to enroll in Alerts, E-statements, and Recurring batches. Access Authorization Questions: Click the circled arrows to change security control questions. User Application Behavior Options: Click the box and click update to have user managed alerts sent as one email, not multiple emails. page 34

CHANGE PASSWORD Current Password New Password (case sensitive, must contain at least 1 number and has to be 8 characters long) Verify Password Click Change Password If you click Reset it will clear all of the information in the password boxes. ACCOUNT ALERTS Account alerts are managed by each user. The User can only select an alert to an account they have been given access to by their Superuser. To set an alert Decide which alert type you as the user would like to receive Select the account from the drop down box of your desired alert Click the Red Flag that corresponds to that Alert Type Once you set your alert(s) you will see them listed under the Current Alerts section. You can delete this alert by clicking on the D or Trash Can icon if you no longer wish to receive this alert page 35

SECTION 10 - SUPPORT SUPPORT Support tab allows users to send messages to bank personnel (emails are preferred). File Transfer Function allows users to upload Positive Pay files to the Cash Management Support Group for processing. MESSAGE CENTER Emails are the preferred method of communication with Centennial Bank personnel. FILE TRANSFER (POSITIVE PAY) Create your Positive Pay file. Click Browse and search for your Positive Pay file. Select your file and click Upload File. Once your file has been uploaded you will see it listed under the Uploaded Files Section. The Cash Management Group will process it from here. Contact Centennial s Cash Management Group or your Treasury Representative for Positive Pay formats and questions. page 36

SECTION 11 FREQUENTLY ASKED QUESTIONS How do I place a Stop Payment? See Section 3 Accounts Navigating your Account Information How do I view Positive Pay Exceptions? See Section 3 Accounts Managing Positive Pay Exceptions What downloadable file types does Centennial Cash Management system provide? See Section 3 Accounts Downloading Transactions to an accounting file format How do I setup a recurring transfer between my accounts? See Section 4 Transfer Funds How do I see previous E-Statements? See Section 5 Documents How do I create a new Participant to credit/debit money via ACH? See Section 6 ACH & View ACH Participant Management How do I process an ACH transaction? See Section 6 ACH & View ACH ACH Files/Single Batches I have a returned ACH on my transaction history that I originated, where can I find information regarding the return? See Section 6 ACH & View ACH How do I add a new wire beneficiary? See Section 7 Wires Add a Beneficiary How do I process a wire to be sent out? See Section 7 Wires Create a Wire for Processing Where can I see wire information regarding incoming wires to my account? See Section 7 Wires Incoming Wires Where can I see and process Bill Pay? See Section 8 Services Bill Pay How do I verify my email address? See Section 9 Profile Email Address Change or Verification page 37

Where do I set up Alerts for my accounts? See Section 9 Profile Account Alerts Where do I upload Positive Pay files? See Section 10 Support File Transfer (Positive Pay) End of User Guide Thank you for banking with Centennial Bank. Please contact our Cash Management Group for questions 1-844-213-5198 or CEN-CMOperations@my100bank.com page 38