Business Online BankingUser’s GuideThis document provides an overview of the different options availablewithin your Internet-based business cash management software.TABLE OF CONTENTS (click to jump to page)Home Screen . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 3Viewing Account Balances and History . . . . . . . . . . . . . . . . Page 4Searching for Transactions and Checks. . . . . . . . . . . . . . . . . Page 5Viewing Checks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 6Viewing a Deposit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 6Documents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 8Download/Export Transactions . . . . . . . . . . . . . . . . . . . . . . . . . Page 9Transferring Funds Between Accounts. . . . . . . . . . . . . . . . . Page 10Bill Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 12Stop Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 12Profile/Account Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 13FNB has policies and procedures to address data confidentiality, integrityand availability. We encourage all companies to review the following usefulsecurity tips to create and support a culture of security awareness. Control access to sensitive areas of the office. Ensure all company data and customer information is securely controlled. Change your password on a regular basis. Change your password immediately if you suspect it has been compromisedin any way.(continued on next page)TREASURY MANAGEMENTPage 1 of 13

Business Online BankingUser’s Guide Educate staff about password confidentiality and reinforce this regularly. Check that all requests for information are genuine – and ignore any requests forbank account details and passwords, whether by phoneor email. Ignore suspicious emails, consider deleting them unread – and be very wary ofopening attachments unless from a known source and of clicking on any linkscontained within an email. Always cut and paste URL information into a new browserwindow. Keep your web browser and anti-virus applications up to date with security patches. Ensure account transaction reconciliation functions are performed utilizingsegregation of duties processes and performed and reviewed timely. Frequently check and review systems and processes with your ‘securityhat’ on. Review transaction activity and account information on a daily basis. FNB has severalTreasury Management services such as Positive Pay that can provide additional toolsto assist with the review.PLEASE NOTE: A Business Email Compromise (BEC) is a form of phishing attack wherea cyber-criminal impersonates an executive (often the CEO), and attempts to get anemployee, customer, or vendor to transfer funds or sensitive information to the phisher.Unlike traditional phishing attacks, which target a large number of individuals acrossa company, BEC attacks are highly focused. Cyber criminals will scrape compromisedemail inboxes, study recent company news, and research employees on social mediasites in order to make these email attacks look as convincing as possible. This highlevel of targeting helps these email scams to slip through spam filters and evadeemail whitelisting campaigns. It can also make it much, much harder for employeesto recognize the email is not legitimate. An email message request for payment to besent outside the company should ALWAYS be verified OUTSIDE of the email channel toensure it is a legitimate request. Do not verify the request via email as the verificationmay be coming from the fraudster.If you see anything unusual immediately contact Treasury ManagementSupport at (866) 750-5298.Everyone in your business needs to remember that skilled fraudsters willresort to all manners of subtlety and guile to trick people into disclosing valuableinformation.For additional security updates and information, visit our website at and click on the Security option on the top right of the screen.TREASURY MANAGEMENTPage 2 of 13

HOME SCREENThe Home screen is displayed when you successfully access online banking. The Home screen combines thecorporate online banking tools you use the most, all in a single, convenient page. Accounts – This section can be customized to display your favorite accounts- Click on the Edit Accounts button to customize the display- Click on the account nickname and the Account Information will display Payments & transfers* - This section displays Wire Transfers, ACH Transfers & Internal Transfers awaitingreview Pay or transfer* – Internal - Transfer funds from one account to another. ACH – Transfer based on apredefined ACH template. ACH imports – Upload NACHA andNon-NACHA files. Wire – Utilize wire templates. BillPay – Launch BillPay. Checks & deposits* – Launch Positive Pay Quick launch* – This section allows you to access the Demo and User Guides* NOTE: Some sectionsmay not be availableto all users. Accessis based on TreasuryManagementagreement on file.TREASURY MANAGEMENTPage 3 of 13

VIEWING ACCOUNT BALANCES AND HISTORY Select Accounts and choose the account that you want to view. Up-to the minute Account Information willdisplay with Balance and Transactions sections.- At the bottom of Transactions section, select MORE TRANSACTIONS or ALL TRANSACTIONS toview more transactions.TREASURY MANAGEMENTPage 4 of 13

SEARCHING FOR TRANSACTIONSSearch transactions – select any or all of the below options to perform a transaction search Activity – limited to current and previous bank statement; choose between All transactions, Current businessday, Previous business day, Current activity, Last statement, Specific Date or Date Range - choosing thisoption displays Start Date and End Date Type - choose between All, Credits, Debits or Checks Amount - a specific amount or range can be entered to limit the search (Ex. 400.00–600.00) Check number – enter a check number or range to limit the search to only checks (Ex.123-128) Click SEARCH to display the search information on the screenSEARCHING FOR CHECKSCheck image viewer – enter a check number to perform a check image search; a 5 month history is available Check number - enter a check number to view an image of a check Click VIEW IMAGE. A window will appear with the front and back image of the check- Icons are available to rotate, zoom or print the imageTREASURY MANAGEMENTPage 5 of 13

VIEWING CHECKS Select the Accounts tab and click on the account that you want to view Scroll down to the Transactions section- At the bottom of Transactions section, select More Transactions or All transactions to view moretransactionsTo View a Check’s Image Click on the check number (a blue hyperlink) A window will appear with the front and back image of the check. Icons are available to rotate, zoom or print the images.Note: The Close, Previous and Next buttons on the lower left corner can be used to scroll through all theavailable document images on the statement.VIEWING A DEPOSIT Select the Accounts tab and click on the account that you want to view Scroll down to the Transactions section- At the bottom of Transactions section, select More Transactions or All Transactions to view moretransactionsTo View a Deposit Click on the Description (a blue hyperlink)TREASURY MANAGEMENTPage 6 of 13

A window will appear with the image of the deposit slip Icons are available to rotate, zoom or print the images. On the bottom right side of the deposit slip, select View Entire Deposit (you may need to scroll down) From the drop-down menu select the check you would like to view and click the Green Arrow to view thecheck An image of the front and back of the check will display below the Available Documents banner- Complete above steps for each check within the depositTREASURY MANAGEMENTPage 7 of 13

DOCUMENTSThe Documents tab provides the ability to view statements from the last 12 months, eSweep notifications fromthe last 45 days or other notices/reports as applicable. Select the Accounts tab Choose the Account you wish to view a document of Click the Documents tab Select the Account, Document Type, and Date Range Click Submit The available items will display below the Submit button, select the item you would like to view and/or print.TREASURY MANAGEMENTPage 8 of 13

DOWNLOAD/EXPORT TRANSACTIONSThe Download tab provides the ability to export transactions from the current and previous bank statementsinto one of the available formats. Select the Accounts tab Choose the Account you wish to export transactions from Click the Download tabA window will appear with the Download transactions options. Select the Activity, Type and Format Click DOWNLOAD TRANSACTIONSThe results will open in the requested formats software.TREASURY MANAGEMENTPage 9 of 13

TRANSFERRING FUNDS BETWEEN ACCOUNTS Select the Payments & Transfers tab Select the desired predefined Template or select Open transfer to select desired accounts Complete the remaining Fields on the screen. Fields with an asterisk (*) are required.- If entering a Description this will be the only description on both account statements- Repeat is explained below Click Preview Transfer A review screen will display, click Complete Transfer to transfer funds, Edit to make changes or Cancelto de lete- Internal Transfers completed prior to 10 PM ET will be processed the same business daySelecting the Repeat checkbox displays additional fields to create a recurring transfer. Fields with an asterisk (*)are required. The Date selected will be the date of the first transfer Select the Frequency of the transfer. The chart on the next page explains the available options.TREASURY MANAGEMENTPage 10 of 13

Select a Repeat the transfer option to assign the ending date of the transfer Enter the Amount of the transfer If entering a Description, this will be the only description on both account statements Click Preview Transfer A review screen will display, click Complete Transfer to transfer funds, Edit to make changes or Cancelto deleteIssued transfers will display allpending internal transfers Select Show Details to viewthe date, user and referencenumber Select Edit to modify thetransfer Select Delete to cancel thetransfer- I ssued InternalTransfers can also beaccessed through theHome screenTREASURY MANAGEMENTPage 11 of 13

BILL PAYMENTS (if selected at initial setup) Select the Payments & Transfers tab Select Bill Pay to access the bill payment feature of Business Online Banking.- On the initial login you will be prompted to register security information- Bill Payments can also be accessed through the Home PageSTOP PAYMENTS Select the Checks & Deposits tab Select Stop Payments Choose the Account you wish to place the stop payment on Select either For One Check or For a Range of Checks Complete the remaining fields on the screen Click Preview Stop Payment The Stop Payment screen will display, click Complete Stop Payment, Edit to make changes, or Cancel to deleteTREASURY MANAGEMENTPage 12 of 13

PROFILE/ACCOUNT SERVICES Select the Profile option on the far top right of the screen- Select Password to change your password for accessing Business Online Banking- Select Challenge questions to change your Challenge Questions and Answers The Email can not be changed on the site for security reasons. Please contact Treasury Management Supportto update.Contact Information: For additional assistance, please call Treasury Management Support Toll-free at (866) 750-5298 to speakto a support representative Monday - Friday between the hours of 8:00 AM and 5:30 PM ET. For additional information, you can visit our website at, or you can take advantage ofthe Business Online Banking Demo also available on our website. To contact Treasury Management Support via e-mail, the address is [email protected] Requirements: Equipment - A personal computer with an Internet connection are needed. A monitor resolution of 800 x 600(or greater) is recommended for best performance. Software –- Current version of Adobe Reader- Current version of an Internet browser capable of 128-bit encryptionNote: Beta versions of browsers or Operating Systems are not supportedTREASURY MANAGEMENTPage 13 of 13 Revised December 2020 NM