e Z Want it? To use ezapps you ll first need to register for ezbanking and you can find those steps in the previous ezbanking section.

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1 ezsuite ebanking Services In addition to our Commercial Services products, we have a full range of electronic services available to small businesses and individuals. If you currently use a similar Bank of America service to those in this section, we will enable your access for our product automatically, beginning Monday, July 14. You won t need to register or experience a delay in service. e Z For the most seamless transition, you will want to confirm that Bank of America has your accurate address on file. We will be sending you important information via the week of the transition that will be critical for transitioning your online experience. To ensure delivery of important communications, please add welcome@firstbankkansas.com to your address book. We know the ability to access your bank accounts while on the go is not just convenient; it is a necessity! Our ezapps for Android and Apple devices allow you to do just that. Check your balances and view transaction history, move money between your accounts with us, send and receive secure messages with the bank as well as access a full listing of our branches, phone numbers and ATM locations. ezbanking, our Internet Banking service offers real-time account balances, internal account transfers, check & deposit images, alerts & notifications as well as the ability to send & receive secure messages with us. Have it? The User ID you use at Bank of America will continue to be your Login ID once your account has transitioned over. As part of your login process at Bank of America you may currently use the Save this Online ID function. If so, a portion of your User ID is masked from display for security purposes. Prior to July 11, you should access your Profile Settings on your Bank of America online and make a note of your full User ID (if you do not remember it) so you will have it ready when when the transition to our ezbanking services is complete. Have it? All ezbanking customers have the ability to also bank using the ezapps. On your phone or other mobile device (sorry, Kindles are not supported), access the applicable app store and search for First Bank Kansas and the name is ezbanking. The icon is a blue First Bank Kansas logo. Download and install the app and login with the same credentials you use online. Want it? To use ezapps you ll first need to register for ezbanking and you can find those steps in the previous ezbanking section. Want it? Beginning July 21, please visit our website at and find the Register Here link in the tan box on the right side of the page. Complete and submit the form. You will receive an back within 2 business days that contains instructions for logging in it s that easy! Welcome guide 9

2 ezsuite ebanking Services (cont.) Mobile ezcapture* is an optional feature of our ezapp. Your camera enabled device can save you a trip to a branch or the ATM to deposit an item when you snap a picture of the front and back of the item and submit it securely to us through the app. Deposits can be made until 4:00 p.m. for same day availability. Please note that availability of funds may be delayed if there are irregularities with the deposited item. Have it? If you made a mobile deposit into your Bank of America account between January and March of 2014, we have enabled your access to Mobile ezcapture. This function can be found on the ezapp under the Transactions Menu. Want it? To use ezcapture you ll first need to register for ezbanking. Those instructions can be found in the ezbanking section of this guide. Once logged in, click the Mobile ezcapture menu option under Transactions from the green menu on the left hand side of the page. The Terms & Conditions will display for you to review & accept. We will review your request and you will receive confirmation once your registration has been processed. *Additional fees may apply. Free ezstatements allows you to view one or all of your accounts and/or notices within ezbanking. A rolling 13 months of history will begin building starting July 12. You can save the statements (with check images) in pdf format to your computer for future reference. An will be sent to you each month when your statement is ready for viewing. Remember, there will not be any statements available for viewing until your first statement cycles on your new account. Want it? If you did not use electronic statements at Bank of America but would like to start doing so with us, you will first need to register for ezbanking if you are not currently. Please note: New registrations will be accepted beginning July 21; instructions can be found in the ezbanking section. Once you are able to login, click on the ezstatements menu option during your online session and you will be prompted with a simple form to select the accounts you would like to receive electronic statements and/or notices on. With just a few clicks of a mouse you can pay bills in minutes saving you time and money! ezpayments* is ourbill payment service which allows for almost 85% of payees to be paid in as little as 2 business days. ezpayments includes the functionality for you to send an electronic payment to your family or friends that do not bank with First Bank Kansas, with just their address and a shared pass code one-time or on a regular basis all free! McPherson Have it? Your accounts that utilized electronic statements with Bank of America will be enrolled automatically for ezstatements. When you receive notice of your first statement, simply sign on to ezbanking and click on the ezstatements menu option. 10 FIRST BANK KANSAS

3 ezsuite ebanking Services (cont.) ezpayments is also available via our ezapp for certain functions like paying existing payees or cancelling a scheduled payment. For security purposes, new payees can only be created during an online session. *Additional fees may apply. Important payment scheduling information for the week of the transition: Bill Payment access with Bank of America will end at 4:00 p.m. on Tuesday, July 8. All payments at that time with a schedule date through July 11, will be processed. Future dated items will transition to us as scheduled payments. Have it? We will receive files containing your payees and payment history from Bank of America and this information will be loaded into our system. We will make every effort to ensure the accuracy of this information, however, it is very important that you review the information as soon as possible beginning July 14. If you need to change an address of a payee, it will be necessary to delete the existing payee and re-add a new payee with the updated information. Important differences to note: When you select a process date to pay a bill within our service, you will be selecting the date the payment will be processed on your behalf. On the process date, payments sent electronically will be debited from your account. A calendar image is displayed to help you estimate when the payment will be delivered, generally 2 business days for electronic payments and 5 for payments sent by check. Although the majority of payments are sent electronically, there are those that will be sent a check. In these cases, the payment will not be debited from your account until the check is received and deposited by the payee. 3:00 p.m. is the cut-off time to schedule a new bill payment or cancel/edit a pending bill payment. Want it? If you do not use Bill Payment services at Bank of America but would like to start doing so with us, you will first need to register for ezbanking if you are not already. Instructions can be found in the ezbanking section. Once you are able to login, click on the ezpayments menu option during your online session and you will be prompted to submit your registration. You may prefer to call and hear your account details rather than viewing them on a computer or other mobile device. Our voice response system, ezcall, can be reached at in Salina or outside Salina. Have it? All ezbanking users will also be registered in our ezcall service. You will be prompted to enter your Tax ID or Social Security Number and Security Code. The first time you call your Security Code is the last 4 digits of your Tax ID/Social Security Number. You will be prompted to change this immediately. Want it? Simply contact our Transition Care Team beginning July 21, and we will happy to set this service up for you. IMPORTANT NOTES You will be automatically registered for the same online services you use at Bank of America. Locate & make a note of your full User ID from Bank of America online by accessing your Profile Settings. Verify your Bill Payment payees for accuracy prior to scheduling payments for the first time after the acquisition. Make note of the payment schedule in the ezpayments section and plan your payments accordingly. Reestablish any eligible ebills if you choose to. New registrations will be available for all services beginning July Welcome guide 11

4 Still Have Questions? Or maybe you just want to confirm something you ve read. We ve gathered the most important topics together in this section for you again. Business Accounts Will I be charged for my checking account? We have taken care to find an account we think will work best for you based on the information we received about the type of account(s) you had at Bank of America. If after you receive your new account letter the week of June 9, you prefer a different account type, please contact our Transition Care Team beginning August 4 and we will assist you in finding a better solution. Will I have overdraft protection? If you had overdraft protection set up between your deposit accounts at Bank of America we will convert that transfer relationship and ensure that it is in place here at First Bank Kansas if both accounts are transitioning to us. If you had protection provided from a credit card or loan account you will no longer have overdraft protection in place and may want to consider making alternate arrangements. Am I going to get a new account number? Yes, we will be issuing you a new account number for your Money Market and Checking Account(s). You will receive a letter the week of June 9 which will contain both your new account type(s) and account number(s) as well as what account at Bank of America they correspond with. How will my business get new checks, deposit tickets or deposit stamps? As early as June 16, you may begin ordering your check and deposit supplies from the vendor of your choice or our preferred vendor, Deluxe, by calling Please refer to the letter you will receive the week of June 9 for your new account information. You will need this information when placing your order. As a one-time courtesy, we will be providing you with up to $25.00 per business account when you place an order. You may claim this offer by contacting our Transition Care Team by July 31. When will I receive my first statement? Business checking account statements will cycle on the last business day of each month. What will happen to my account history at Bank of America? Your account(s) will be coming to us from Bank of America without any transaction history. To receive information about any transaction (including interest payments) that posted prior to July 14, please contact Bank of America at Will terms or rates on my Certificate of Deposit change? The terms and rate on all of your fixed rate CDs will remain the same until maturity. Variable rate CDs will adjust to our current rates as reflected in the CD/IRA Disclosure Summary at the back of this guide. VISA Check Cards How do I get a new Debit Card (Card)? If your business has a MasterCard Debit Card with Bank of America that has been used in the last 6 months we will be issuing a replacement which will arrive the week of June 23. A system generated PIN will follow approximately 2 business days later. The VISA Debit Card will have your primary checking attached. Your business will receive all card(s) issued to your company s cardholders and it will be your responsibility to distribute them accordingly. If you do not receive the Card(s) you expected to replace your Bank of America Card(s) by July 7, please contact our Transition Care Team. What if my business does not use a PIN? If your business does not wish to use a PIN and would rather sign for purchases at the point-ofsale, you can simply destroy the system generated PIN that you receive in the mail approximately 2 business days following the Card itself. There will be a unique PIN generated and mailed for each Card. 12 FIRST BANK KANSAS

5 Still Have Questions? (cont.) What do I need to do to activate my card and when should I do it? We will automatically activate your Card as soon as the transition process is complete the evening of Saturday, July 12. We estimate activation will take place around 9:30 p.m. although we ll make every effort to have them available sooner and update our website accordingly. The Card will not be able to be activated prior to then and will be declined if a transaction is attempted prior to our automated activation process. Should I throw away my Bank of America Card? Your Bank of America card(s) will continue to work until 9:30 p.m. on Friday, July 11. At that time, the transition of your account will begin and your electronic access to your account via your Card will cease. You may destroy your card at that time or bring it into a First Bank Kansas location beginning July 14, and we can dispose of it for you. How will I access my funds over conversion weekend? It will be extremely important that you plan ahead for the transition weekend by ensuring that you have cash or another form of payment on hand. Your Bank of America location will not be open for business as it undergoes the transition to First Bank Kansas. Your Bank of America card(s) will cease to work at approximately 9:30 p.m. Friday, July 11, however, your First Bank Kansas Card S. Ninth - Salina will not work until approximately 9:30 p.m. the following evening, Saturday, July 12. You may continue to use your Bank of America checks through transition weekend in the event you have not yet received your new First Bank Kansas checks. Will my Card limits change? Depending on what limits you had associated with your Bank of America cards, they may change. As a general rule, cards will be activated with our standard limit of $700 per business day for ATM withdrawals and $2500 per business day for purchases. If your Bank of America card has limits higher or lower than these, those parameters will carry forward to our system during activation. Will my ATM access be affected? At noon on July 11, six of the Bank of America ATMs that you may have become accustomed to using will begin the transition to become First Bank Kansas ATMs. These ATMs will not be available for service throughout the transition weekend. There is a complete list of our ATMs located on page 6 of this welcome guide as there will not be service interruption for the machines we currently own. Once your new Card is activated, you may use any of the First Bank Kansas ATMs. Should we let you know if we are going to be traveling? We highly recommend you contact us with your travel dates in order to avoid any interruption of service. Our Fraud Management service tracks your purchasing habits and transactions outside your normal activity could cause an alert to go out. If they are not able to reach you it may result in your Card being blocked. Communicating your travel plans and having an alternate form of payment on hand during your travels are always best practices Welcome guide 13

6 Still Have Questions? (cont.) Other Services What do I need to know about using the night drop? Your night depository access at the Salina Mall, Lindsborg, McPherson South and Hutchinson locations will cease at 8:00 a.m. on Friday, July 11. Access will be available again beginning the morning of Monday, July 14. If your business currently has key access, a First Bank Kansas representative will contact you prior to July 11. Will there be a cut-off time at the branches? Our branches do not have a cut-off time and any transactions completed before close of business will be processed the same business day. Will my safe deposit box stay the same? The location, box number & keys of your safe deposit box will all remain the same. Boxes will be accessible until noon on Friday, July 11, and beginning Monday, July 14, during normal business hours. Do you offer wire transfers? We are able to initiate wire transfers upon your request. If your business has a high volume of wire transfers, you may consider taking advantage of our convenient Commercial Internet Banking product to initiate and track wire requests. In the meantime, we encourage you to follow the instructions in the ezbanking section of this guide if you are not sure of your current Bank of America User ID. Will I have to reenter my payees on Bill Payment? Bank of America will provide us with files containing your payees and payment history. These will be loaded into our system to reduce the amount of manual entry you will need to do. It is important that you review all of the payees to ensure the accuracy of the information. In addition, you will need to reestablish any ebills you had set up previously, if you choose. I didn t use some or all of these services at Bank of America but would like to try them. What do I need to do? Registration will open for ebanking services beginning July 21. Refer to the ezsuite section of this guide for information on how to sign up or contact our Transition Care Team for assistance. What do I need to do if I use Quickbooks? There will be some special steps you ll need to follow to link your Quickbooks to our ezbanking product. We will provide this information via our website & prior to conversion weekend. Internet Banking and Bill Payment Will I have to set up a new online banking account? If you use online services at Bank of America, we will automatically register you for our services. This will apply to ezbanking, ezpayments, ezstatements, ezcapture & ezcall. How will I know what Login ID and Password to use? As the transition gets closer, we will you specific instructions that you will need in order to login. W. Crawford - Salina 14 FIRST BANK KANSAS