Online Banking Commercial User s Guide UUX/Treasury Release PDF Free Download

Online Banking Commercial User s Guide UUX/Treasury Release 4.11 www.enterprisebank.com

OVERVIEW In this user guide, we will cover the commercial online banking features. We will show how to manage users for your business and assign specific rights to those users. We will cover how to create recipients that represent people or businesses you either will be crediting or debiting. In addition to creating different payment templates, we will also show how to process ACH and Wire Transactions, import CSV and ACH files, send Tax Payments, manage Subsidiaries and set up your mobile device. Please see our Online Banking Quick Reference Guide for information relating to the basic features of our Online Banking platform. New Look/New Navigation. 3-5 Preferences... 6 Managing Users... 7-13 Transactions... 14 Managing Subsidiaries... 15 Managing Recipients 16-17 ACH & Wire Templates and Payments... 18-41 ACH Pass Thru & Submitting Tax Payments... 42-43 Activity Center... 44 Approving Multiple Payments... 45-46 Approval & Authorization Options... 47 Mobile Banking & Mobile Authorizations... 48 Security Preferences... 49 Alerts..50 Signing Off... 51 Contact Information... 52 Page 2

NEW LOOK NEW NAVIGATION New look and feel with Top Bar Navigation along with Quick Links for most common tasks. Consolidated menus and additional options directly from menu bar. Page 3

NEW LOOK NEW NAVIGATION The Home page contains a list of your accounts. If there are memo posted transactions, it will be represented by Transactions Pending. Click or tap on the account name to review Account History. Current Balance = ending balance of Prior Day close of business. Account Available Balance = Current Balance +/- Pending Transactions Available Balance + ODP/Sweep = Current Balance +/- Pending Transactions +/- Overdraft Protection and/or Sweep Quick Tip: Click on Edit to quickly go to Account Preferences screen. Click or tap to directly email our Customer Service Support Officers your questions. There is also a Search feature built into the Account Details page for your convenience. Click or tap Show Filters to apply filters to your search. Credits and Debits are cumulative since account inception. Totals will change per Search criteria. Export options are available as follows: Page 4

NEW LOOK NEW NAVIGATION The Home page also provides Quick Links to the most common tasks a user may use. Click or tap Transfer Now to create an Internal Transfer quickly from the Home Page. Click or tap Commercial Transactions to create a New Template or a New Payment. Click or tap on Activity Center to quickly see your Online Banking Activity and Approve, Cancel, Inquire, Copy and Print Details of a transaction. Approvals Required advises you if there are any pending transactions that need approval. May quickly view transactions per account through Account Summary. Click or tap View Transactions and click or tap Next to choose specific account to view. Page 5

PREFERENCES Under the Settings menu, click or tap Account Preferences. You may rename your accounts and rank the order you would like to see your accounts on the Home Page. Once complete click or tap Submit. You may set up both Online and Text Preferences by filling out the required information below. Note: You are limited to four (4) characters in the account naming convention under Text. Page 6

MANAGING USERS Under the Commercial menu, choose Users. This will give the company supervisor(s) the ability to edit, add and/or delete online banking users. Note: If you do not have Supervisor Rights you will only have the ability to edit a user. click Add User to add an online banking user and complete all fields and click or Tap SAVE. Page 7

ASSIGNING USER RIGHTS Locate the user created and click or tap the Edit User Icon. Click or Tap Assign Rights. Page 8

ASSIGNING USER RIGHTS User Rights is divided into three different categories/tabs for more detailed capabilities. The Overview tab allows you to define access rights per transaction type. The Features tab allows you to select the features to assign for your user. The Accounts tab allows you to select the accounts access for your user. OVERVIEW TAB Click or Tap a transaction type. The Rights Tab appears. Tip: If you click or tap on the Change button a master list of transactions will appear so you may change multiple transactions types for each User from one area. Click or Tap to Enable the transaction type. Click or Tap the icons for Draft, Approve, Cancel, and View Online Activity to assign rights to user. Page 9

ASSIGNING USER RIGHTS If the type is a financial transaction and the user may approve the type, click or tap Limits. The Limit tab appears. Click or tap a Limit, then enter the limit. Click or tap Overview and repeat steps to assign the user each required transaction type. Click SAVE to submit Limit changes. You will receive confirmation that changes were accepted. Page 10

ASSIGNING USER RIGHTS FEATURES TAB Click or tap to select the Features to assign to a user. Click or tap SAVE to submit limit changes. You will receive confirmation that changes were accepted. ASSIGNING USER RIGHTS Page 11

ASSIGNING USER RIGHTS ACCOUNTS TAB Note: You may mark the box to Enable/Disable all with a click or tap. Click or tap Accounts. For each account, click or tap the icon in each of the columns to configure access. Click SAVE to submit limit changes. You will receive confirmation that changes were accepted. ASSIGNING USER RIGHTS Page 12

ASSIGNING USER RIGHTS Deleting a User To Delete a User click or tap on Edit function on User you wish to Delete. Click or tap Delete. You will receive a confirmation asking if you wish to Delete User click or tap Confirm. You will then receive confirmation Delete User. ClickClick Page 13

TRANSACTIONS Funds Transfer Under the Transactions menu choose Transfers and Payments. Select From Account and To Account, enter Dollar Amount, select Date, and click or tap Transfer Funds. Tip: Today s date defaults to be shaded, you must Click or Tap on the date for it to become effective. You will receive Transaction Processed confirmation. You may view additional information on the transfer under the Transactions menu by choosing Activity Center. Note: For recurring transactions please check Make this a recurring transaction and complete the required information then click or tap Transfer Funds. Page 14

MANAGING SUBSIDIARIES Under the Commercial menu choose Subsidiaries. Utilizing subsidiaries will allow you to control what information will be displayed when you process tax payments, wires and ACH transactions. When processing your transactions, ensure that you select the correct subsidiary so the header records and addendum information will pass correctly to the recipient. To add a new Subsidiary, select Add Subsidiary from the Subsidiary Management screen and fill out the necessary information. After providing the required information, you will be returned to the Manage Subsidiaries page. Page 15

MANAGING RECIPIENTS The ability to manage recipients may be accessed from the Commercial menu by choosing Recipients. DEFINITION - A recipient is a business, individual or entity that you will either send funds to or collect funds from. This may be accomplished via wire or ACH. Once a recipient is added, you will link a payment type to the recipient and add them to an existing batch/template or create a new one. You may choose your action from the following options: Add Recipient Edit Recipient Delete Recipient Page 16

MANAGING RECIPIENTS To add recipient click or tap Add Recipient. You MUST associate one or more accounts with a recipient before you may save the Recipient. Enter all required information and click or tap Next. Determine the payment type allowed and enter required information. If additional accounts are required click or tap Add another account and enter required information. When complete click or tap Save Recipient. Page 17

ACH & WIRE TEMPLATES/PAYMENTS Creating ACH & Wire transfer templates for your recipients may be accomplished quickly and easily via the ACH/Wires option from the Commercial menu. This is a great way to store ACH & Wire transactions that you submit on a repetitive basis and also link multiple payment methods to one recipient. The available modules are as follows: ACH Single Payment transmit an individual ACH payment to one recipient in a non-batch manner. This may be done directly from an existing template or you may manually key in the required information. ACH Single Receipt process an ACH debit directly from a single recipient s account. This may be done from an existing template or you may manually key in the required information. Payroll - process direct deposit of payroll transactions directly to your employee s bank accounts in a batch format. This module allows you to enter in employee information (department, employee ID) and split the payment between three different bank accounts. ACH Payments transmit ACH payments to multiple recipients in a batch format. ACH Collection collect funds from multiple recipients in a batch format. Domestic Wire Transfer submit wire transfers to recipients. International Wire Transfer submit international wire transfers to recipients. Payment From File import a list of recipients and amounts from a CSV file or a balanced NACHA format file Creating a New Template only: Under the Commercial menu click or tap ACH/Wires then click or tap New Template and choose template type. Enter Template Name, Grant User Access then click or tap Next. Choose Recipient, Amount and click or tap Next. Click or tap Show All for list of all Recipients Page 18

ACH & WIRE TEMPLATES/PAYMENTS Verify company to Send Payment As then click or tap Next. Note: System defaults to Main Company. If you need to send the payment from a Subsidiary of the Main Company, choose the Subsidiary and click or tap Next. Select From Account then click or tap Next. Review New Template information and click or tap SAVE. You will receive Template Saved confirmation. To verify Template was saved, you may view all saved templates under the Commercial menu then choose ACH/Wires, and type Name of template in search box to view or you may scroll through all templates in Grid/List on this screen. Page 19

ACH & WIRE TEMPLATES/PAYMENTS Create a Single Recipient Payment or Template: In the menu, click or tap Commercial then choose Payments. OR If creating a New Template, click or tap on Template Type to create. If creating a Template, the Info & Users page appears. Do the following: In Template Name field enter a name for the Template. In the Grant User Access area, select the check box for each user that you want to assign access to the template. You may browse or search for user names. Click or tap NEXT. TIP: You may only select the check box for users who have the Draft or Draft Restricted right for the transaction type. You cannot clear the check box for users who have the Manage Templates feature assigned. Page 20

ACH & WIRE TEMPLATES/PAYMENTS On the Recipient & Account page, select the Check Box for the Recipient or click or tap New Recipient to add New Recipient. If you selected an existing Recipient, enter Dollar amount, any Addendum and click or tap Next. Send Payment As defaults to Main Company. If Main Company is sending payment, click or tap Next. If Subsidiary is sending payment, choose Subsidiary from list and click or tap Next. Follow remaining steps under ACH Single Payment section below. Choose Individual or Company If you selected New Recipient, please complete all required fields and click or tap Next. The Account Detail area appears. Please complete all required fields and click or tap Save Recipient. Note: If you have multiple accounts for this recipient click or tap Add Another Account, repeat the step above. Page 21

ACH & WIRE TEMPLATES/PAYMENTS If creating a New Payment, click or tap the Payment Type to create. Browse the List or use Search function to select Recipient, Enter Dollar Amount and click or tap Next. Verify company to Send Payment As then click or tap Next. Note: System defaults to Main Company. If you need to send the payment from a Subsidiary of the Main Company, then select the Subsidiary from Grid/List or use Search function. Click or tap Next. 4 Tip: You could create a New Recipient from this screen by following the steps on Page 21. Page 22

ACH & WIRE TEMPLATES/PAYMENTS Choose from account from the List or use the Search function. Check the box and click or tap Next. Choose Effective Date of Payment and click or tap Approve. Select Your SAC Target for Secure Access Code for Payment Authorization. Enter your Secure Access Code and click or tap Authorize. To view your Approved Payment click or tap View In Activity Center. Tip: For Recurring Payments click on Set Schedule, choose option and click or tap Save. You may view Recurring Transactions in Activity Center. Note: You cannot edit a Recurring Transaction. If changes must be made, you need to delete and re-enter. Page 23

ACH & WIRE TEMPLATES/PAYMENTS To create a Payment from a Template, click or tap Commercial then ACH/Wires, then click or tap the Pencil on the Template. Verify Template Name and click or tap Next. CH & WIRE TEMPLATES Verify the recipients of the payment, Check the Pay box, Enter the Dollar Amount, Enter any Addendum then click or tap Next. Tips: Click or tap Import Amounts to import CSV file. Click or tap Pay All to Auto Check all recipients at once. Click or tap New Recipient to add Recipient to Payment template. Click or tap Show All to see list of all Recipients available. Verify company to Send Payment As then click or tap Next. Note: System defaults to Main Company. If you need to send the payment from a Subsidiary of the Main Company, then select the Subsidiary from the Grid/List or use the Search function. Click or tap Next. ACH modules within online banking, you must restrict their access to the ACH Single Payment and ACH Single Receipt modules via Preferences > User Rights. This limitation is necessary since the ACH Single Choose allow you to manually key in account information and free form ACH transactions. Quick way to Delete Template Page 24

ACH & WIRE TEMPLATES/PAYMENTS Choose From Account and click or tap Next. Select Effective Date of Payment click or tap Approve. Select Your SAC Target for Secure Access Code for Payment Authorization. 1 Enter your Secure Access Code and click or tap Authorize. To view Approved Payment, click or tap View in Activity Center. Page 25

ACH & WIRE TEMPLATES/PAYMENTS Create a Batch Recipient Payment or Template: In the menu, click or tap Commercial then choose ACH/Wires. If creating a New Template, click or tap on Template Type. Create Template Name, Grant User Access and click or tap Next. Click on Recipients and click or tap Next. Note: If a Recipient has multiple account numbers you are required to select which account number before proceeding. Page 26

ACH & WIRE TEMPLATES/PAYMENTS Verify company to Send Payment As then click or tap Next. Note: System defaults to Main Company. If you need to send the payment from a Subsidiary of the Main Company, then select the Subsidiary from Grid/List or use Search function. Click or tap Next. Choose From Account and click or tap Next. Choose Effective Date of Payment and click or tap SAVE. Template Saved message will appear. Click or tap Close. Page 27

ACH & WIRE TEMPLATES/PAYMENTS To Create Payment from Template click or tap Approve. Select Your SAC Target for Secure Access Code for Payment Authorization. Enter your Secure Access Code and click or tap Authorize. To view your Approved Payment, click or tap View in Activity Center. Page 28

ACH & WIRE TEMPLATES/PAYMENTS To Create ACH Collections Payment From the menu click or tap Commercial then choose ACH/Wire. Then select New Payment then choose Payment Type. Click on Recipients and click or tap Next or add New Recipient and click or tap Next. Verify company to Send Payment As then click or tap Next. Note: System defaults to Main Company. If you need to send the payment from a Subsidiary of the Main Company, then select the Subsidiary from Grid/List or use Search function. Click or tap Next. Choose To Account, click or tap Next. Select Effective Date and click or tap Draft or Approve. In a Payments Batch the system defaults to Show Payments. Click or tap on Show Payments to change to See All to see list of all Recipients available. To view your Approved Payment, click or tap View In Activity Center. Page 29

ACH & WIRE TEMPLATES/PAYMENTS Create a Single Wire Payment or template: From the menu, click or tap Commercial then choose Payments. If creating a New Template, click or tap on Template Type to create. If creating a template, the Info & Users page appears. Do the following: In Template Name field enter a name for the Template. In the Grant User Access area, select the check box next to each user for whom you would like to assign access. You may browse or search for user names. TIP: You may only select the check box for users who have the Draft or Draft Restricted rights for the transaction type. You cannot clear the check box for users who have the Manage Templates feature assigned. Choose Recipient, Amount and click or tap Next. Click or tap Show All to see list of all Recipients available. Page 30

ACH & WIRE TEMPLATES/PAYMENTS Create a Domestic or International Wire Choose the ACH/Wire option under the Commercial menu to process a wire transfer. Choose New Payment then Domestic or International Wire. Choose a Recipient from the list. Enter Amount and Message to Beneficiary (if applicable) and then click or tap Next. Click or tap Show All to see list of all Recipients available. Page 32

ACH & WIRE TEMPLATES/PAYMENTS Verify company to Send Payment As. Note: System defaults to Main Company. If you need to send the payment from a Subsidiary of the Main Company, then select the Subsidiary from the Grid/List or use the Search function. Click or tap Next. Choose Subsidiary and click or tap Next. Choose From Account and click or tap Next. Page 33

ACH & WIRE TEMPLATES/PAYMENTS Select Effective Date of Payment click or tap Approve. Select Your SAC Target for Secure Access Code for Payment Authorization. Enter your Secure Access Code and click or tap Authorize. To view your Approved Payment, click or tap View in Activity Center. Note: Payment Drafted = Approved Payment. You can view in Activity Center to verify if processed or in hold status. Tip: For Recurring Payments Click on Set Schedule, choose option and click or tap Save. Note: You cannot edit a Recurring Transaction. If changes need to be made, you will need to Delete and Re-Create. Page 34

ACH & WIRE TEMPLATES/PAYMENTS Free Form Wire Choose the ACH/Wire option under the Commercial menu to process a wire transfer. Choose New Payment then Domestic or International Wire. Click or tap New Recipient. Enter all required fields in Recipient Detail and click or tap Next. Page 35

ACH & WIRE TEMPLATES/PAYMENTS Enter all required information in Account-New fields and click or tap Use Without Save. Enter Amount and Message to Beneficiary (if applicable) and then click or tap Next. Verify company to Send Payment As then click or tap Next. Note: System defaults to Main Company. If you need to send the payment from a Subsidiary of the Main Company, then select the Subsidiary from Grid/List or use Search function. Click or tap Next. Choose From Account and click or tap Next. Select Effective Date of Payment click or tap Approve. Select your SAC Target for Secure Access Code for Payment Authorization. Enter your Secure Access Code and click or tap Authorize. You may view your Approved Payment, click or tap View in Activity Center. Note: Payment Drafted = Approved Payment. You can view in Activity Center to verify if processed or in hold status. Page 36

ACH & WIRE TEMPLATES/PAYMENTS International Wires Choose the ACH/Wire option under the Commercial menu to process a wire transfer. Choose New Payment International Wire. This form allows you to Choose a Recipient you have linked to a wire payment or to Free Form a wire without having to create a recipient profile. Enter Dollar Amount, Message to Beneficiary (if applicable) and then click or tap Next. Tip: Click on Currency Field to Search and choose specific Currency. Click or tap Show All to see list of all Recipients available. Verify company to Send Payment As then click or tap Next. Note: System defaults to Main Company. If you need to send the payment from a Subsidiary of the Main Company, then select the Subsidiary from Grid/List or use the Search function. Click or tap Next. Page 37

ACH & WIRE TEMPLATES/PAYMENTS Choose From Account and click or tap Next. Select Effective Date of Payment click or tap Approve.. Select Your SAC Target for Secure Access Code for Payment Authorization. Enter your Secure Access Code and click or tap Authorize. To view your Approved Payment, click or tap View in Activity Center. Note: Payment Drafted = Approved Payment. You can view in Activity Center to verify if processed or in hold status. Page 38

ACH & WIRE TEMPLATES/PAYMENTS Free Form Wire Choose the ACH/Wire option under the Commercial menu to process a wire transfer. Choose New Payment then International Wire. Click or tap New Recipient. Enter all required fields in Recipient Detail and click or tap Next. Click or tap Show All to see list of all Recipients available. Page 39

ACH & WIRE TEMPLATES/PAYMENTS Enter all required information in Account-New fields and click or tap Use Without Save. Enter Amount and Message to Beneficiary (if applicable) and then click or tap Next. Verify company to Send Payment As then click or tap Next. Note: System defaults to Main Company. If you need to send the payment from a Subsidiary of the Main Company, then select the Subsidiary from Grid/List or use Search function. Click or tap Next. Choose From Account and click or tap Next. Select Effective Date of Payment click or tap Approve. Select your SAC Target for Secure Access Code for Payment Authorization. Enter your Secure Access Code and click or tap Authorize. To view your Approved Payment, click or tap View in Activity Center. Note: Payment Drafted = Approved Payment. You can view in Activity Center to verify if processed or in hold status. Page 40

ACH & WIRE TEMPLATES/PAYMENTS Payment from File You may import a list of recipients and amounts from a CSV file to add recipients and amounts to a new ACH Payment, ACH Collection or Payroll. You may also import a NACHA formatted file to create an ACH Payment, ACH Collection or Payroll. From the menu click or tap Commercial then choose ACH/Wire then choose New Payment then Payment from File. Click or tap Payment Type and click or tap on Import File Box to search and Import File. Click or tap Upload File. Page 41

ACH PASS THRU Importing a NACHA file to create a Payment. You may import a NACHA formatted file for processing. When you import a NACHA formatted file, the bank will verify the contents of the file before it is processed. If the file has any errors, an error message will be displayed. You will be required to correct the errors in the file and upload the corrected file. From the menu click or tap Commercial then choose ACH Pass-Thru. You Click on Import File box and browse to the saved file to upload. Select the Process Date and click or tap Approve. Note: The Process Date is the date Enterprise Bank will process your file and it must be at least one business day prior to the Effective Date within the file. The Effective Date is the date you wish recipients to receive their transaction(s). Page 42

SUBMITTING TAX PAYMENTS Another feature accessible from the Commercial menu will allow you to submit Tax Payments. Be sure to sign up with your taxing authority prior to submitting payments via the Enterprise online banking web-site. From this screen, you will be able to choose either Federal Tax (IRS) or the specified State, if applicable. Select the applicable tax form, complete all required information and click or tap Submit. You will then be directed to our standard Submit Transaction page for approval. Page 43

ACTIVITY CENTER Activity Center shows your Online Banking activity. From the menu click or tap Transactions then choose Activity Center. May print or export detail activity to excel or csv. Can perform multiple functions by click or tapping Actions. Sophisticated search options for Single and Recurring Transactions. May save specific search criteria as a Favorite by clicking on Favorites then clicking on Save as New, and naming your favorite search appropriately. Page 44

ACTIVITY CENTER The system will allow an authorized approver to Approve Multiple Payments at the same time. First, the user would create their Payment and click or tap Draft. Repeat this process until all payments are created. A notice will be generated stating the payment type was drafted. Example of Domestic Wire payment Example of ACH CCD payment Page 45

APPROVING MULTIPLE PAYMENTS To approve multiple transactions from the menu bar choose Transactions then choose Activity Center. Check the Drafted Payments to be approved and the Actions option will appear. From the drop down menu choose Approved Selected. The Approve Transactions box appears. Click or tap Confirm. Select your SAC Target for Secure Access Code for Payment Authorization. Enter your Secure Access Code and click or tap Authorize. Approvals Successful box appears. Click or tap Close. You will see the payment change from a Draft status to an Authorized status in Activity Center. Page 46

APPROVAL & AUTHORIZATION OPTIONS As already detailed in our Commercial User Guide, the ability to control user limits and transactional rights is a very important component of the Enterprise Bank & Trust Online Banking platform. In addition to the features already discussed, there are a few robust options available that will greatly enhance your company s security and reduce the chance of fraud relating to ACH transactions and Wire Transfers. PARTIAL DUAL AUTHORIZATION You may set up users with the ability to transmit ACH and wire transactions up to a certain dollar limit, but anything over that amount will require dual authorization. This may be controlled by the supervisor under the Limits tab under Commercial then Users. See the Assigning User Rights section of this guide for more information. DUAL AUTHORIZATION With true dual authorization in place, it will take two online banking users to transmit an ACH, ACH file or wire transfer. Even a company supervisor who has access to manage all rights and recipients must have their transactions approved by another user. Or, if another user drafts a transaction, the supervisor will be able to approve the wire. Please note that if a user doesn t have draft or authorize rights under the Commercial then Users section, they will not be able to perform that function. A dollar limit may also be added to Dual Authorization, so if a wire is attempted below your pre-set limit, it will be processed. Any wire or ACH above the limit will need to be processed by two online users. OUT-OF-BAND AUTHORIZATION - With out-of-band authorization, you will receive a one-time use secure access code via text or voice call when you transmit ACH and wire transactions. Out-of-Band basically means taking the approval of a transaction outside of your PC( to a mobile device or direct dial number) and is an excellent fraud protection measure to combat corporate account takeovers by cyber- criminals. This is a great option for companies of all sizes and may be coupled with partial and dual authorization. IMPORTANT NOTE Dual Authorization and Out-of-Band Authorization must be set up by Enterprise Bank & Trust. It can t be controlled at the company supervisor level. Please contact your Treasury Management Rep or Relationship Manager for more information. For Security Tips visit www.enterprisebank.com under Security. Page 47

MOBILE BANKING As detailed in the processing section of this user guide, Mobile Authorization requests may be sent to a user who has approval rights for a transaction and is set up for mobile approvals. To set this up, choose the Mobile Authorizations option under the Settings menu. As detailed in the processing section of this user guide, Mobile Authorization requests may be sent to a user who has approval rights for a transaction and is set up for mobile approvals. IMPORTANT NOTE You may download the Enterprise Bank & Trust Mobile App directly from the App or itunes Store. On the Mobile Authorization page you may set your phone numbers that will be used for approving wire and ACH transactions. If an email is entered, it is solely for notification purposes. Enter your four-digit Mobile Authorization Code (basically a PIN number) that will be utilized to directly authorize transactions via voice call. Select Submit to approve your choices. You will receive confirmation that your Mobile Authorization preferences have been updated.. Page 48

SECURITY PREFERENCES To update your Password, Change Login ID or Secure Delivery options, click or tap Settings, then the Security Preference you wish to change and enter the required data. Page 49

ALERTS To create Alerts for your accounts, transactions, history and/or security events, choose Alerts from the Settings menu. Choose type of alert you would like to set up and follow appropriate steps then click or tap SAVE. Advises user how many specific alerts they have currently. Date Alert Account Alert History Alert Transaction Alert Click or tap to choose additional alerts For Security Alerts, enable or disable specific alert delivery. Security Alerts Require Enable or Disable Delivery Page 50

LOGGING OFF SYSTEM From the menu click or tap Log Off. IMPORTANT NOTE To ensure the safety and security of your information, properly sign off when you are finished using our Online Banking System. Tips: Timeout Logged in but Inactive 20 minutes Protects you if you are logged in and inadvertently leave your device (computer, tablet or smartphone). A warning message appears to give you a chance to stay logged in. If you miss the warning message, you may immediately log back in on the same browser or device, restoring your session and any tasks that you were working on. If you enter an incorrect password, any pending work is discarded. Timeout Logged in but exceed session time limit 60 minutes Limits the maximum time of any session. When the maximum time ends, you are prompted to save your work and log off manually. If you do not log off manually the system with automatically log you off and any pending work is discarded if not saved. Page 51

CONTACT INFORMATION TREASURY MANAGEMENT HOTLINE NUMBERS Client Services Officers are available Monday through Friday 8:00am 6:00pm CST. CSO Hotline (800)396-8141 Option 2 E-mail Contact iservice@enterprisebank.com St. Louis (314) 725-2274 Kansas City (913) 234-6480 Arizona (623) 536-3680 Treasury Management Support Specialists: Saint Louis Kansas City & Arizona Wendy Foster (314) 587-2762 wfoster@enterprisebank.com Haley Winfrey (913) 234-6471 hwinfrey@enterprisebank.com Page 52