Overview

You are about to transform your business computer into a branch office of our Port Washington State Bank. With some help from the Internet, you will have full service access to your accounts in a completely secure environment. Within your office, you will be able to do everything from reviewing your balances to transferring funds, from requesting stop payments to reviewing your corporate cash handling.

If you are comfortable using your Internet browser, you will be comfortable with this business banking product. Business Internet Banking is as a dynamic tool for financial management.

Sophisticated and flexible funds management capabilities allow named client employees to make controlled disbursements, transfers including, ACH and internal transfers, domestic wire transfers, and loan payments.

Corporate clients enjoy greater functionality without jeopardizing security and can establish controls at either the client level or at the financial institution. A review function allows you to access and approve stop payments, fund transfers and file transfers, based on permission controls.

Security is extremely important when it comes to your financial matters. Complete privacy, controlled through encryption and passwords, ensures only authorized access to your accounts.

A personal computer with Internet access is all that is required to get started. For the best view, set your screen resolution to 800 x 600 pixels.

ACCOUNT LEVEL ONE - $5.00* per month:

Account Access

The diversity of Business Internet Banking allows for multiple views of your corporate account information. Corporate accounts can be displayed in Summary view, an Account List or a single account. It is your choice on how you want to display your account information.

Summary

Summary displays a list of all accounts associated with your corporate Access ID. The Summary is organized by employee groups and allows for information to be categorized accordingly. For example, if you have four Demand Deposit accounts, they would be grouped together under the associated "Display Group" heading.

The Summary may include Product Descriptions and Account Nicknames along with Account Numbers, which are established by the administrator.

The Summary includes:

• Current Balances
• Current Principal
• Available Balances
• Anticipated Available Balances
• Total Funds Available
• Available Credit

(Note the order in which these are displayed is dependent upon the first account listed. If a Loan account is listed first, then the Current Principal column will be displayed first.)

Accounts

The Accounts drop-down menu contains all accounts associated with your employee permissions. From the Account menu corporate accounts can be displayed within the Account List (a list of all your corporate accounts contained on one page) or each separate account is listed.

Account List

All your corporate accounts are conveniently listed in your account list. From the Accounts drop-down menu, select List. The Access Nickname organizes the account list accordingly, meaning only those corporate accounts that you have been assigned are displayed. From the account list, clicking on the Account Nickname allows for additional balance information to be displayed pertaining to the account. The account list includes:

• Account Nickname
• Account Numbers (Optional)

Demand Deposit Account Inquiry

For Demand Deposit Account Inquiries, select your Demand Deposit account from the Account List or select the Demand Deposit account from the Accounts drop-down menu. Your Demand Deposit Account Inquiry is separated into six sections: Account Status, Outlook, Account Information, Account Activity, Available Funds and Interest Information.

Account Status includes any overdraft information about the account. Account Status includes:

• Dates of Last Overdraft
• Days Overdrawn

Outlook provides a reminder of the upcoming scheduled float activity on the account. Outlook includes:

• Available Balance
• Float
• Balance
• Total Float

Account Information provides valuable account averages. Account Information includes:

• Average Available Balance Current Month
• Average Available Balance Previous Month
• Average Available Balance Current Year
• Average Available Balance Previous Year
• Average Ledger Balance Current Month
• Average Ledger Balance Previous Month
• Average Ledger Balance Current Year
• Average Ledger Balance Previous Year
• Last Deposit
• Last Withdrawal

Account Activity provides an up-to-the minute anticipated status of the account. Account Activity includes:

• Current Balance
• Pending Transfers
• Presentments
• Anticipated Balance

Available Funds provides a detailed look at the total funds available to the account. Available Funds includes:

• Current Balance
• Total Float
• Holds
• Available Balance
• Pending Transfers
• Presentments
• Today's Float
• Anticipated Available Balance
• Credit Line
• Related Automatic Transfer Account and Automatic Transfer Account Balances
• Total Funds Available

Interest Information details all interest associated to the account. Interest Information includes:

• Current Accrued Interest
• Last Interest
• Interest Paid Current Year
• Interest Paid Previous Year

Demand Deposit Loan Account Inquiry

For Demand Deposit Loan Account Inquiries, select your Demand Deposit Loan account from the Account List or select from the list of accounts within the Accounts drop-down menu. Your Demand Deposit Loan Account Inquiry is separated into five sections: Balances, Interest Information, Loan Details, Payment Information and Available Credit.

Balances includes:

• Principal
• Interest
• Estimated Net Payoff

Interest Information includes:

• Current Rate Over Split Amount
• Current Split Rate Amount
• Current Rate Under Split Amount
• Current Interest Rate
• One Day's Interest
• Interest Paid Current Year
• Interest Paid Previous Year

Loan Details includes:

• Date Opened
• Maturity Date

Payment Information includes:

• Current Payment Due
• Total Amount Past Due
• Total Amount Due
• Last Payment

Available Credit includes:

• Available Credit
• Maximum Credit
• Last Advance

Savings Account Inquiry

For Savings Account Inquiries, select your Savings account from the Account List or select from the list of accounts displayed in the Accounts drop-down menu. Your Savings Account Inquiry is separated into seven sections: Account Status, Outlook, Account Information, Account Activity, Available Funds, Interest Information and Terms.

Account Status includes any overdraft information about the account. Account Status includes:

• Date of Last Overdraft
• Days Overdrawn

Outlook provides a reminder of the upcoming scheduled float activity on the account. Outlook includes:

• Available Balance
• Float
• Balance
• Total Float

Account Information provides valuable account averages. Account Information includes:

• Average Available Balance Current Month
• Average Available Balance Previous Month
• Average Available Balance Current Year
• Average Available Balance Previous Year
• Average Ledger Balance Current Month
• Average Ledger Balance Previous Month
• Average Ledger Balance Current Year
• Average Ledger Balance Previous Year
• Last Deposit
• Last Withdrawal

Account Activity provides an up-to-the minute anticipated status of the account. Account Activity includes:

• Current Balance
• Pending Transfers
• Presentments
• Anticipated Balance

Available Funds provides a detailed look at the total funds available to the account. Available Funds includes:

• Current Balance
• Total Float
• Holds
• Available Balance
• Pending Transfers
• Presentments
• Today's Float
• Anticipated Available Balance

Interest Information details all interest associated to the account. Interest Information includes:

• Current Accrued Interest
• Next Interest
• Last Interest
• Interest Paid Current Year
• Interest Paid Previous Year

Terms section may include the following information:

• Maturity Date
• Term
• Last Renewal
• Initial Deposit
• Forfeiture Amount

Certificate of Deposit Account Inquiry

For Certificate of Deposit Account Inquiries, select your Certificate of Deposit account from the Account List or select from the list of accounts displayed in the Accounts drop-down menu. Your Certificate of Deposit account is separated into three sections: Account Information, Interest Information and Terms

Account Information includes:

• Current Balance
• Accrued Interest
• Forfeiture
• Redemption

Interest Information details all interest associated to the account. Interest Information includes:

• Current Accrued Interest
• One Day's Interest
• Next Interest
• Last Interest
• Interest Paid Current Year
• Interest Paid Previous Year
• Interest Paid to Account

Terms section includes:

• Maturity Date
• Term
• Months To Maturity
• Last Renewal
• Original Issue
• Renewal Terms

Loan Account Inquiry

For Loan Account Inquiries, select your Loan account from the Account List or select from the list of accounts displayed in the Accounts drop-down menu. Your Loan Account Inquiry is separated into seven sections: Account Status, Balances, Interest Information, Loan Details, Payment Information, Credit Information and Escrow.

Account Status includes:

• Days Past Due

Balances includes:

• Principal
• Interest
• Late Charge
• Fees
• Insurance
• Escrow
• Estimated Net Payoff

Interest information includes:

• Current Rate Over Split Amount
• Current Split Rate Amount
• Current Rate Under Split Amount
• Current Interest Rate
• One Day's Interest
• Interest Paid (Current Year)
• Interest Paid (Previous Year)
• Rate Change Frequency
• Next Rate Change Date
• Rate At Next Change

Loan Details includes:

• Original Note Amount
• Note Date
• Months To Maturity
• Maturity Date
• Collateral

Payment Information includes:

• Current Amount Due
• Current Principal Due
• Current Interest Due
• Total Amount Due
• Last Payment

Credit Information includes:

• Available Credit
• Maximum Credit
• Last Advanced
• Loan To Date Advances
• Date Last Zero Balance

Escrow Information includes:

• Escrow Balance
• Current Escrow Payment
• Last Disbursement
• Escrow Interest Paid Current Year
• Escrow Interest Paid Previous Year
• Escrow Change Frequency
• Next Escrow Analysis Date
• Taxes Paid Current Year
• Taxes Paid Previous Year
• Insurance Paid Current Year
• Insurance Paid Previous Year

Reviewing Transaction Activity

Once you have selected an account from the Account List or from the Accounts drop-down menu, you are ready to view pertinent transaction activity. From the Transactions drop-down menu, multiple views of your transactions can be displayed including: Current Business Day, Previous Business Day, Current Statement, Previous Statement, Current Year, Previous Year, Current Month, Previous Month or Account to Date.

Transaction Menu

The Transaction Menu provides a list of all transactions associated with your selected corporate Demand Deposit and Saving accounts. Your Transaction Menu is separated into five sections: Presentments, Activity from Last Update, Current Statement Cycle, Previous Statement Cycle and Transaction Search.

Presentments details all activity that is pending against your account and includes:

• Current Balance
• Credits
• Debits
• Projected Balance

Activity From Last Update details all activity since your account was last processed and includes:

• Previous Balance
• Credits
• Debits
• Current Balance

Current Statement Cycle details all activity during your current statement cycle and includes:

• Beginning Balance
• Credits
• Debits
• Current Balance

Previous Statement Cycle details all activity that occurred during your previous statement cycle and includes:

• Beginning Balance
• Credits
• Debits
• Ending Balance

Transaction Search allows you to perform specific transaction research. The Transaction information can be categorized by type, date, amount or number. Any or all four of these search criteria can be used to narrow the generated list of transactions. The Transaction Search includes:

• Cycle
• Transaction Type
• Sort By
• Date
• Amount
• Transaction Number
• Export Formats

Transaction List

The Transaction List provides a detailed view of your transaction activity pertaining to the specified account. From the Transactions drop-down menu, select Transaction List. The Transaction List can be sorted in ascending or descending order depending on the account number by clicking on the column headings. The Transaction List includes:

• Date (Demand Deposit, Savings and Certificate of Deposit accounts)
• Transaction Number (Demand Deposit, Savings and Certificate of Deposit accounts)
• Description (Demand Deposit, Savings and Certificate of Deposit accounts)
• Amount (Loan and Demand Deposit Loan accounts)
• Debit (Demand Deposit, Savings and Certificate of Deposit accounts)
• Credit (Demand Deposit, Savings and Certificate of Deposit accounts)
• Principal (Loan and Demand Deposit Loan accounts)
• Interest (Loan and Demand Deposit Loan accounts)
• Balance (All)

Transaction Search

Transaction Search provides you specific transaction research. The Transaction information can be categorized by type, date, amount or number. Any or all four of these search criteria can be used to narrow the generated list of transactions. The Transaction Search includes:

• Cycle
• Transaction Type
• Sort By
• Date
• Amount
• Transaction Number
• Export Formats

Image Search:

Image Search provides you the ability to search and view specific images. Images can be categorized by type, date or amount. Any one or all three of these search criteria can be used to narrow the generated list of items. Once all of the desired search criteria has been entered, click the submit button to view the list of images. Image Search includes:

• Image Type
• Item Number (Required)

Select the item from the list. The front of the image is displayed. If there is a back to the image (i.e. a check), click the "View Back of Image" button.

Image Requests

Images can be viewed on all transactions except current business day. To view an image, select a specific transaction statement from the Transactions drop-down menu. Then from the Transaction Number column, select the transaction you want to view. This will display the front of the check. To view the back or to rotate the document, simply click the "View Back of Document" or "Rotate" button.

Exporting Transaction Information

Export transaction information for use with your personal finance application, such as Intuit's Quicken or QuickBooks, Microsoft Money or Windows Clipboard. To Export transactions into your personal finance application, complete the Transaction Export options within the Transaction Menu, then click the "Export" button. Your files will be saved to disk. Once you have log on to your personal financial application, you can then import these files from their saved location. Select the appropriate file type from the following list.

• Comma Separated File (.CSV)
• Quicken Interchange Format (.QIF) -- Intuit Quicken
• Open Financial Exchange (.OFX) -- Microsoft Money
• Intuit Interchange Format (.IIF) --Intuit QuickBooks

Then click the "Export" button to complete the process.

The following transactions can be exported:

• Current Business Day
• Previous Business Day
• Current Statement
• Previous Statement
• Current Month
• Previous Month
• Current Year
• Previous Year

ACCOUNT LEVEL TWO - $10.00* per month:
(Includes all of the features of Level One)

Funds Management:

Funds can be transferred between your corporate accounts within Port Washington State Bank or to accounts at other financial institutions. The Funds Management area allows you to manage funds within your authorized accounts. Your Funds Management area and all the information contained within are tied to your employee status.

Within the Funds Management area, fund transfer templates are assigned to you by your corporate administrator. You will only be able to manage those fund transfers that are listed within your Funds Management area.

The Funds Management area also allows for additional inquires into specific fund transfers, inquires into the accounts the transfers are occurring from, a recap of all fund transfers and a list of all the predefined fund transfers you have issued.

Funds Management consists of:

• Stop Payments
• Internal Transfers
• Domestic Wires (additional per item charge – please refer to current fee schedule)
• Federal Tax Payments
• State Tax Payments (additional per item charge – please refer to current fee schedule)

Stop Payments

Stop Payments allow you to request a stop payment on any one of your assigned corporate accounts. From the Stop Payment menu, you can select the Stop Payment Menu, perform a Stop Payment Search and issue a stop payment.

Stop Payment Menu

The Stop Payment Menu provides a complete list of all stop payment features including a list of all stop payment items associated to your account, stop payment research and the ability to issue a stop payment. The Stop Payment Menu is separated into 3 sections: Approved Stop Payments, Stop Payment Search and Issue Stop Payment.

Approved Stop Payment

The Approved Stop Payment List displays all stop payments that have been approved and includes:

• Type
• Expiration Date
• Number
• Amount
• Payee

Stop Payment Search

Stop Payment Search allows you to search for specific stop payments that have you have already issued. Stop Payment Search can be categorized by date, item number, or amount. Any one or all three of these search criteria can be used to narrow the list of items. Stop Payment Search includes:

• Item Date
• From/Thru Item Number
• From/Thru Amount
• Sort By

Once the desired search criterion has been entered, click the "Submit" button to view the stop payment list.

Issuing a Stop Payment

To issue a stop payment, verify that you have obtained the correct payment with the use of the Stop Payment Search.
 
To issue a stop payment, the following information will be required:

• Item Date
• Item Type
• From/Thru Amount
• From/Thru Number
• Payee
• Reason
• Comments

Once of the information has been entered, click the "Submit" button to issue the stop payment. A Stop Payment Confirmation page will be returned detailing the information you entered above with a confirmation number. Your Stop Payment Confirmation is separated into two sections: Stop Payments and Confirmation Summary. The Stop Payment Confirmation includes:

Stop Payments details the information you entered in the Issue a Stop Payment section and includes:

• Type
• Number
• Amount
• Payee

Confirmation Summary provides you with a number that indicates the stop payment was issued and is being processed at our financial institution. Confirmation Summary includes:

• Confirmation Number

Fund Transfer List

The Fund Transfer List conveniently provides a list of all your fund transfers associated to your corporate accounts. From the Funds Management drop-down menu select Transfer List. Each transfer is listed detailing the account used as the source of fund for the fund transfer, the next transfer date and the next transfer amount.

From the Transfer List, you can issue multiple fund transfers with only a few clicks of the mouse. To issue multiple predefined fund transfers, simply place a check in the "Select" box for each transfer. Once you have selected all the fund transfer(s), click the "Submit" button within each group.

The Fund Transfer List includes:

• Select
• Transfer Description
• From Account
• Date
• Amount
• Total

You can click the Transfer Description link to view detailed information pertaining to the fund transfer.

Incoming ACH and Wire Search

The Incoming Transfers conveniently provides a list of all your incoming daily wires and future dated ACH transactions associated to your corporate accounts. From the Funds Management drop-down menu select Incoming ACH Search or Incoming Wire Search. Each incoming transfer is listed detailing the original information on the transaction.

Issue a Fund Transfer

You can issue a fund transfer only through Funds Management. Within the Fund Management area, there are two ways you can issue a transfer.

To issue a predefined fund transfer, select Fund Transfer List from the Funds Management menu. You can issue a single or multiple predefined transfers by selecting the check box under the Select column. Once you have entered the transfer dates and amounts, click the "Submit" button within the group to initiate the fund transfer.

A second method of issuing fund transfers is to select the Transfer ID from the Fund Transfer List. All predefined transfer information will be listed on the left hand side within the Transfer Information section. All other information necessary for you to issue the fund transfer will be listed within the Issue Transfer section. Once you have entered the information, click the "Submit" button to initiate the fund transfer.

Once you have submitted the transfer, you will receive a fund transfer confirmation. The fund transfer confirmation details the number of fund transfers completed and the total amount of funds transferred. A statement may also be displayed indicating the fund transfer is pending approval. Changing the status of the fund transfer within the Client Review can approve these fund transfers. Only designated employees can review these pending items.

Transfers Issued

The Fund Transfer Issued provides a review of all the fund transfers that you have issued prior to the end of your processing day. To display the list of Fund Transfers that have been issued, select Transfers Issued from the Funds Management menu. You can select the Transfer Description to view detailed information about the transfer.

ACCOUNT LEVEL THREE - $30.00* per month:
(Includes all of the features of Level TWO)

Account Level Three enables your business to originate ACH transfers and to pay bills online. There is an additional $.10 per item charge for each ACH transfer.

ACH Transfer

File Transfer Management

The File Management area allows for file uploads such as payroll, direct deposit, or check issued files to your institution and file downloads such as reports or exception information from your institution.

Within the File Management area of the employee specifications, your corporate administrator assigns file transfer templates to that employee. The employee will be able to manage only those file transfers that are listed within your File Management area.

The File Management area also allows for additional inquires into specific file transfers and file transfers that were issued that day.

File Transfer List

The File Transfer List conveniently provides a list of all of the employee's designated file transfers. From the File Management drop-down menu select File Transfer List. Each transfer is listed detailing the file name and file type.

From the File Transfer List, you can inquire into a file transfer by selecting Transfer Description.

The File Transfer List includes:

• Transfer Description
• File Name
• Type
• Direction

Issue a File Transfer

You can issue a file transfer only through File Management. To issue a file transfer, select the Transfer Description from the File Transfer List. All predefined transfer information will be listed on the left hand side within the Transfer Information section. All other information necessary to issue the file transfer will be listed within the Issue Transfer section. Once you have entered all the information, click the "Submit" button to initiate the file transfer.

File Transfers Issued

The File Transfers Issued provides a review of all the file transfers that you have issued prior to the end of your processing day. To display the list of File Transfers, select File Transfers Issued from the File Management menu.

* Note: These charges are hard charges and cannot be waived via account analysis.

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