Business E-BankingCash Management Solutions

Business Client Benefits

• Anytime, anywhere access to banking services

• Online, real time account balances

• Saves time with one-stop access to importantfinancial services

• Offers convenience with features that empowerclients to better control their finances

STAND INDEPENDENT

Business E-Banking

Business E-Banking allows business clients to:

• Online real-time account balances to monitor dailyaccount activity

• Access detailed account information and transaction histories

• Account/book transfers for users with multiple accounts tomove money between those accounts. The functionalityincludes both single, one-time entry and recurring transferoptions

• Transfer funds between accounts and pay loan payments

• Sweeps allow users to monitor their accounts and keepbalances within customer defined limits. When a limit isreached, the system transfers money between the specifiedaccounts

• Account reconciliation payment (ARP) provides businessclients with reconciliation services to help eliminatetime-consuming manual account reconciliation of issued checks

• Create stop payments

• Control access and keep information safe with service andaccount permissions, transaction approval limits and paymentapproval requirements for users

• Industry-leading fraud prevention capabilities with One-TimePasscode (OTP) via email, phone or text and Multi-FactorAuthentication (MFAC)

Reporting and Alerts

• Access both historical and real-time balance and transactiondetails for all deposit, savings, and loan accounts forcomprehensive reporting on transactions and balances

• View check and view, print, and save account statements

• Receive proactive alert notifications of key banking,balance,transaction and administrative events

• QuickBooks/Quicken Web Connect Integration enables yourbusiness to export transactions from the balance reportingservice within Business E-Banking and import them intoQuicken or QuickBooks, reducing duplicate work anderror-prone keying of data

Bill Payment Feature

• Quickly and conveniently pay anyone online you pay today inthe U.S. by check (except court-ordered payments and stateand federal tax payments)

• Saves time, money, postage and staff hours

• Provides the ability to assign authority levels to individualbusiness users with payment limits and approvalrequirements and other controls over business usageand maintenance

• Payment Center page serves as a central location for makingpayments and reviewing payment information

• Schedule single or recurring payments

• Ability to include detailed remittance information (invoicenumber, credits, adjustments, etc.)

Automated Clearing House (ACH) Origination

ACH offers electronic payment capabilities to business clients tohelp them better manage working capital and reduce the costassociated with processing checks or paying credit card fees.Work the way you want by submitting payments in multiple waysincluding: manual creation, file import and recurring payments.

Business clients can originate the following ACH transactions:

• PPD (prearranged payments and deposits)

• CCD (cash concentration and disbursement)

• EFTPS (federal tax payments)

ACH Payroll

• Create employee payroll direct deposits

• Cost effective way to handle payroll resulting in a greatemployee benefit

• Allows you to process your entire payroll as a batchtransaction executed with a single submission

ACH Payments

• Make payments to vendors and individuals

• Fast and convenient electronic disbursements for vendorsand suppliers

ACH Credits

• ACH account receivables/payments from your customers

• Efficient method of collecting account receivables andrecurring payments from customers

ACH Federal Tax Payments

• Pay Federal Tax Payments electronically

• This is also known as EFTPSR for Electronic Federal TaxPayment System tax payment service

Wires Origination

• Enables business clients to initiate outgoing wirepayments as well as monitor incoming activity

• Originate both domestic and international wires

• Create efficient wire transfers to other companies orindividuals at most financial institutions to maximizeuse of funds

• Eliminate the need for expensive overnight delivery ofcritical paper checks

• Import wire transfer transactions from an accountingapplication

• Supports both repetitive (template-based) and free-form wires

Electronic Deposits with Merchant Capture

Merchant Capture (aka Remote Deposit Capture or RDC) utilizes adesktop scanner we provide for your use with system that connectsto your PC and the Internet. With it, you can scan checks receivedfrom customers and issue deposits electronically to Bank 34 anytime, day or night. It is the fastest way to turn check deposits intocash.

Benefits to businesses using Merchant Capture:

• Deposit checks and money orders without ever leavingyour office, anytime and even on weekends

• It is a quick, more efficient way to turn check depositsinto cash

• Saves gas money and time with fewer trips to the bank

• Consolidate funds from remote locations into onefinancial institution

• Faster check clearing allows you to react sooner onreturned check, significantly increasing youropportunities for collection and reducing risk of check fraud

• Multiple layers of security including password protection,access rights and controlled criteria levels

Bank 34 Business E-Banking offered in partnership with Bottomline Technologies.

©Bottomline Technologies. All rights reserved. Bottomline Technologies and theBT logo are trademarks of Bottomline Technologies, which may be registered incertain jurisdictions. All other brand/product names are trademarks or registeredtrademarks of their respective holders. REV102113

To view an Interactive Demo: https://bbsitedemo.btbanking.com/onlineserv/CM/?D=5357

To Login to Bank 34 Cash Management | Business E-Banking: https://bank34online.btbanking.com/onlineserv/CM/

To Login to Bank 34 Merchant Capture: https://xpress.usremotedeposit.com/ct/?bid=098102102

Business Analysis Checking

Business account with earnings credit based on positive average*balance to offset the eligible monthly service and activity fees.Monthly service fee of $15. Excess earnings credits can reduce oreliminate monthly service fee and activity fees. $100 minimumopening balance. Excess earnings credits are not paid to you and

do not accumulate from one statement to another.

Business Analysis CheckingMiscellaneous Charges and Fees

Monthly Maintenance Fee 15.00 Check/Debits Paid 0.15 Credits 0.50Electronic Credits 0.15Deposited Items (per item deposited) 0.10 Deposit Correction 5.00 Stop Payments 30.00 Deposited Items Returned 5.00 Additional Statement 5.00 Statement Copy 5.00 Interim Statement 5.00 Rejected Item 0.50 Currency Supplied (per hundred) 0.15 Currency Deposited (per hundred) 0.15 Cash Difference Adjustment 3.00 Rolled Coin Supplied (per roll) 0.15 Boxed Coin Supplied (per box) 5.00 Sorted Coin Deposited (per bag) 3.50 Unsorted Coin Deposited (per bag) 6.00 Cash Order 2.50 MSB 125.00 MRB 1000.00

Cash Management E-BankingMiscellaneous Charges and FeesCommercial Online Banking (with Bottomline) monthly No ChargeInternal bank account transfers per transfer No ChargeInternal loan transfers per transfer No ChargeStop Payment per item 30.00 Commercial Bill Pay feature monthly No ChargeCommercial Bill Pay transactions per transaction No Charge

ACH/Wire features access bundle monthly 35.00

ACH feature monthly 20.00 ACH set up one time 50.00 ACH batch/file per batch/file 2.50

ACH credit/debit transactions per transaction/item 0.15 ACH item reversal per item 5.00 ACH batch reversal per batch 50.00 ACH return item per item 5.00

Domestic Wire feature per month 20.00 Domestic Wire Origination transactions per wire 15.00 Foreign Wire Origination transactions per wire 45.00

Merchant Capture Miscellaneous Charges and FeesMerchant Capture feature (aka RDC) monthly 30.00 Merchant Capture set up one time 50.00 Merchant Capture equipment one time 50.00 Merchant Capture credit per item 0.25 Merchant Capture debit per item 0.09 Merchant Capture return item per item 2.50

Merchant Capture early commitment closure 500.0018-mocommitment

*Average refers to the average of the actual balance in the account during this cycle. Contact a representative for complete details of applicable fees, terms, conditionsand rate information.

MEMBER FDIC Version 07.2020

www.Bank34.com

Toll Free: 888.702.5266Alamogordo, NM: 575.437.9334Las Cruces, NM: 575.521.8100 Scottsdale, AZ: 623.463.1440Peoria, AZ: 623.463.1440