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A Quick and Easy Guide to

Online Banking & Bill Pay

Published by Murphy & Company, Inc. 459 Sovereign Court Ballwin, MO 63011 www.mcompany.com

Š 2010-2011 Murphy & Company, Inc. Microsoft, Windows, Microsoft Money, Excel and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken and QuickBooks are registered trademarks of Intuit, Inc. Adobe Reader is a registered trademark of Adobe Systems Incorporated in the United States and/or other countries. THIS PRODUCT IS NOT ENDORSED OR SPONSORED BY ADOBE SYSTEMS INCORPORATED, PUBLISHER OF ADOBE READER.

Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/publisher, nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.


WELCOME TO ONLINE BANKING Welcome to Columbia Bank’s Online Banking. Whether you’re at home, at work or on the road, Columbia Bank is here for you 24 hours a day, 7 days a week with our electronic services. We offer several options that let you decide how you want to interact with us - via telephone, ATM or online. This guide is designed to help answer your questions about how Online Banking can help manage your finances. In addition to accessing your account information and transferring funds online, you will also be able to export account information to financial management software like Quicken®, QuickBooks® or Microsoft® Money, and pay your bills. After becoming an Online Banking customer, you will find that you are able to reduce the amount of time spent managing your finances. We hope you enjoy this quick and convenient guide to Columbia Bank’s Online Banking.

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TABLE OF CONTENTS General Information Security ............................................................................................................................ 3 Enhanced Login Security..................................................................................................... 4 Online Banking Overview.................................................................................................... 5

Account Overview & Services Getting Started .................................................................................................................. 6 Logging In ............................................................................................................................ 7 Account Access................................................................................................................... 8 Account Detail .................................................................................................................... 9 Transfers .......................................................................................................................... 10 External Funds Transfers .................................................................................................. 11 Export ................................................................................................................................ 11 Online Statements ............................................................................................................ 12 Mobile Banking & Alerts .................................................................................................. 13

Online Bill Pay Bill Pay Overview .............................................................................................................. 14 Set Up E-Bills .................................................................................................................... 15 Make Payments ................................................................................................................ 16 Make Recurring Payments ............................................................................................... 17 Expedited Payments.......................................................................................................... 18 Edit or Cancel Payments ................................................................................................... 19 Payment History ................................................................................................................ 20

Other Services Mobile Banking ................................................................................................................. 21 Online Services ................................................................................................................. 22 Customer Forms ................................................................................................................ 23 User Options ..................................................................................................................... 24 Customer Knowledge........................................................................................................ 25

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SECURITY Depend on Us for Security There is nothing more important to us than knowing that our end users’ online financial transactions are private and secure. Our systems are secured with encryption, perimeter and internal firewalls, screening and filtering routers, intrusion detection, strict authentication, virus protection, as well as application security. Application security includes a double-blind process for issuing PINs, user lockouts due to failed login, and additional encryption of sensitive user data during sessions. Our network architecture is structured so the servers that store actual account information are not directly connected to the Internet.

Confidentiality Security is strengthened by your efforts in keeping all account and login data confidential. Never share your password with anyone and never include account specific details within an unsecured e-mail.

Passwords The most secure passwords are those which use a combination of alpha-numeric and special characters. Avoid using easily obtained personal data within your password, such as initials and birth dates or loved ones’ names.

Signing Off If you must step away from your work computer for even a moment while using the Online Banking system, be sure to click Log Out to ensure your account data is not reviewed or altered by unauthorized individuals.

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ENHANCED LOGIN SECURITY In addition to your personal password security, Columbia Bank provides additional security measures with Enhanced Online Security or ELS. ELS strengthens the safeguards in place at log in by adding steps to verify your identity. Although these security enhancements are benefiting you and your security, your day-to-day experience will change very little, if at all. Once your authentication steps are in place, you can continue to manage your finances online as you always have. Part of this identification process includes recognizing the computer you normally use to access Online Banking. This information, coupled with your normal login details, is incorporated into your online identity profile. You will have three options to receive a One-Time Passcode (OTP) by voice, text or e-mail, which will be used to authenticate you as a user. When you log in, you will enter your Username and Password as normal, and you may be prompted to answer your challenge question as well. This is especially likely if you are logging in on a computer you do not normally use. Simply select how you would like to receive your OTP. An OTP will be sent to you via your selected method. Enter your OTP in order to access your accounts. You will be presented with one Challenge Question to answer. You will be asked this question if you have forgotten or need to reset your password by clicking on the “Forgotten Password Feature�. You will also be asked to answer this question if you do not have access to any of the three OTP options. Enhanced Login Security (ELS) is another layer of login security. The default is Public, however you may select Private. An example of when to select Public would be if the computer you are currently using is only being used for that one time and/or it may be used by many individuals (such as a library or school computer). If the computer you are currently using is your personal computer you may want to choose Private. The difference between Public and Private is whether or not you are prompted to enter an OTP. Public prompts the OTP for that computer and Private does NOT, unless you have entered an incorrect Username.

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ONLINE BANKING OVERVIEW With Online Banking it’s safe, fast and easy to manage your finances on your terms. Now you can take care of all your banking needs from home, work or anywhere you have Internet access. With Online Banking You Can: •

See a detailed view of your account activity, including individual transaction histories.

Transfer funds at any time of the day or night. All transfers completed after business hours or on Sunday or holidays will normally not be processed until the next business day, except for Friday, which will normally be processed on Saturday. You may also transfer funds from or to accounts at other institutions.

Set up automatic recurring payments to be made at the frequency you specify.

Manage your money easily by exporting your account information to your computer in a format compatible with your personal financial software like Quicken®, QuickBooks® or Microsoft® Money. *Versions 2004 and prior are compatible with our system.

Save time and money by viewing statements/check images online.

Pay your bills online.

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GETTING STARTED When you are ready to bank online, open your Internet browser, like Microsoft速 Internet Explorer or Firefox速, and go to columbiabankonline.com. You can quickly view information, explore the demo, sign up to begin using Online Banking with Bill Payment, as well as find help if you have forgotten your Password.

Click here to reset your Password.

Explore the Demo to help understand the benefits and features of Online Banking.

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If you have not registered for Online Banking with Bill Payment, click on the Sign Up Today link to begin the registration process.


LOGGING IN Logging into Online Banking with Bill Payment is simple and easy to do. After opening our website at columbiabankonline.com, you can log in directly from the home page, once you have registered.

Enter your Username and Password, then click Login to begin banking online.

If we do not recognize the computer as one you normally use for Online Banking or this is the first time logging in, you will be presented with a challenge question. Select Private, if logging in from your personal computer, otherwise select Public. Once you have completed the above information, click Login.

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ACCOUNT ACCESS This page displays a quick view for all of your accounts that you have designated to access online during the registration process. With Account Access, you can view your current deposit and loan balances, view several months of transaction history and transfer funds between accounts. Click one of the topics in the navigation bar to navigate through Online Banking. The submenu links will change based on the topic selected.

Click the Account Name to display the detailed history for that account.

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Make a Quick Transfer between Accounts.


ACCOUNT DETAIL When you click an account name listed on the Account Access page, a screen with the current month’s detailed transaction information will display. Click the column headings to re-sort in ascending or descending order.

View other transactions by changing the date range and click Submit. View an image of your check by clicking on the check number.

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TRANSFERS It’s easy to transfer money between your Columbia Bank accounts. With just a few clicks of the mouse, you can control when and how often your money is transferred. To begin, click Transfers in the navigation bar.

Enter the Transfer Amount. Select the accounts to transfer funds FROM and TO. Click Transfer Funds to submit.

Click Scheduled & Recurring Transfers Between Two Columbia Bank Accounts to schedule a transfer. Click Add to create a new Scheduled Transfer.

Enter the Transfer Amount, the accounts to transfer funds FROM and TO, and the Start Date. Select the Frequency, Number of Transfers and if you would like an E-mail Notification when the payment is sent. Click Save Transfer and confirm the details of the transfer on a secondary screen. You may edit the Scheduled Transfer anytime prior to processing.

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EXTERNAL FUNDS TRANSFER Moving money between your Columbia Bank accounts and other financial institutions is made simple by using the Funds Transfer feature. This tool enables you to not only transfer funds between your Columbia Bank accounts but other financial institutions as well. The first time you use Funds Transfer, you will be required to fill out an authorization form.

To begin, click Transfers in the Navigation menu, then click Transfer To or From External Accounts. Be sure to have your other financial institution information available and simply follow the on-screen prompts.

NOTE: You may only transfer funds to accounts for which you are the primary owner.

EXPORT There are options in which you can sync your Bank accounts to your personal financial management software like Quicken速, QuickBooks速 or Microsoft速 Money. This utility allows you to export your financial institution account information into a formatted file. The file will be downloaded onto your hard drive where it will be available for you to import into the above mentioned software programs.

Click on Export to begin.

Click the Download Data button to save the data to your hard drive. Select the Source Account, enter the date range to view and select the format compatible with your personal financial software.

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ONLINE STATEMENTS The Online Statements feature saves paper and space in your home or office by allowing you to view and save up to 60 month’s statements electronically. This is a great virtual filing system. Click on Online Statements to begin. Before viewing your online statements for the first time, you must read and accept the required disclosure.

Select the Account you wish to view your online statement for from the drop-down menu.

Click the PDF icon next to the statement you wish to view.

NOTE: In order to view statements you must have Adobe® Reader® installed on your computer. You can download this free software at adobe.com or by clicking on the link on the Statements page. Registering for Online Statements will activate paperless statements for all your accounts with monthly statements.

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MOBILE BANKING & ALERTS Online Banking with Bill Payment will allow you to have an e-mail sent to you every time your account reaches a specified limit, when a specific check clears or when a payment due date is approaching. The alerts feature will help you stay up-to-date with your finances and personal reminders. To begin, click Account Access in the navigation bar, then select Mobile Banking & Alerts.

To activate Text Message Banking, click the Activate button.

Select an account for each alert and enter in any of the avaialable notification thresholds, enter your e-mail address, then click Submit.

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BILL PAY OVERVIEW Bill Payment offers you convenience, cost savings and best of all time savings, all without ever writing a check. You also have the option of receiving your billing statements electronically. This feature allows you to access your bills anywhere you have Internet access. You can even set up electronic bill notification(s) to be sent directly to your personal e-mail account. To begin, click on Bill Pay in the navigation bar.

Payments - Pay all your bills through the Make Payments menu.

Payees - Individuals or businesses to whom payments are made. You can add or edit payee information here.

Reports - Sort your bill payment information for easy viewing.

E-Bills - Receive your bills electronically anytime, anywhere you have Internet access.

E-mail Reminder - Setup electronic bill notifications.

Expedited Bill Pay - Need to get your payment there faster? You can setup a payment to be delivered the next business day. Fees apply.

NOTE: You may not use Bill Pay to pay governmental fees such as taxes or court-directed obligations such as alimony or child support.

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SET UP E-BILLS With Online Banking, not only can you pay your bills online, but you can also receive them online as well. E-bills allow your billers to send bills electronically, right to your Online Banking account. You will be able to view and pay your bills online and save the information to print when you need it. Add e-bills to your payees when you set them up, or click Set up e-bill for those payees which offer the service right from the Payment Center. You will need to have login credentials for each online biller account that you are trying to setup with e-bills.

Click on Set up e-bill to start receiving your bill electronically. You will receive an e-mail when your current bill is available.

Enter your User ID, Password and select your Billing Cycle from the drop-down menu, then click Continue.

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MAKE PAYMENTS The Payment Center enables you to enter one or all of your bill payments from a single screen. Billers that are set up for automatic payments, e-bills or that support next day payments are designated with a corresponding icon. Click Make Payments from the navigation menu to begin.

Enter the Amount next to each biller to pay. For those billers that do not require payment, leave the field blank. Your payment should show a delivery date on or before the due date to make sure the payment is received in time. Need to get your payment there faster than the standard bill payment? Use Expedited Payment. Once you click Pay, your payment will be added to Pending Payments. To print your payment confirmation, click here.

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MAKE RECURRING PAYMENTS You can save time by setting up automatic payments for bills that occur on a regular basis for a specified amount. Access this and other features from the Make Payments page within the Bill Pay system.

To set up recurring payments, start by clicking on the more options icon next to the payee, then click Pay Automatically.

In the automatic payment screen, you can write a memo, such as “car payment�, choose whether or not to pay e-bills automatically, the amount, frequency and start and end dates. Click Save Changes to save and continue.

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EXPEDITED PAYMENTS If your payment is due soon and you need to make it immediately, this feature allows you to send expedited payments to virtually any payee, anywhere, no later than the next day! Expedited Payments* allow you to minimize any late fees.

Select a Payee you wish to make an Expedited Payment to from the drop-down menu, then click Continue Payment.

Select the Payment type, enter the payment Amount and choose the “funds from account� from the drop-down menu, then click Continue Payment.

* Fees apply.

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EDIT OR CANCEL PAYMENTS With Bill Pay, you have total control over your money. Even after a payment is scheduled you may edit or cancel the transaction, up until the day it’s processed. View Pending Payments from the Make Payments screen and click Edit / Cancel to make any changes or to delete the payment.

To Edit or Cancel your payment, click here.

NOTE: The Cancel link deletes the payment and all future recurring payments made to that biller.

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PAYMENT HISTORY The View Payment History function makes it easy to view your payment history. Once in the View Payment History screen, you can download your payment history to your computer, or print a copy for your records.

To view your Bill Pay History, start by clicking on the more options icon next to the payee, then click View payment history.

In this screen you can view the date your payment is scheduled to be sent, the amount, the status of the payment, which account was funding the payment and even leave a note about the transaction.

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MOBILE BANKING We go where you go. With Mobile Banking from Columbia Bank, you can access your accounts in just moments. Any web-enabled device will do. So, instead of spending precious time running to the nearest computer or preferred banking office, we give you the control to manage your finances on your own terms. And best of all it’s free to Columbia Bank customers. For all web-enabled devices with internet, simply type in www.columbiabankonline.com into your browser and login using your Online Banking credentials. For Text Banking, simply click on Account Access, then Mobile Banking & Alerts to activate your mobile device and receive a list of short codes/keywords. Once you are activated you can manage your preferences under “Mobile Banking & Alerts”. You may text commands to “454545”. Here is a list of simple text commands: • BAL = primary account balance • BAL ALL = all account balances • BAL CHK = all checking account balances • BAL SAV = all savings account balances • TRANS amt = transfer money from source to primary account

Want to learn more? Simply click on the Mobile Banking link.

• LAST = last 5 transactions for primary account • STOP = deactivate text banking • HELP = list and description of all text commands

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CHECK REORDERING You can order checks online*, another feature that will provide you with both convenience and security. Click on Check Reordering from the top navigation.

Select the account you wish to order checks for from the drop-down menu, then click Enter.

* You must have previously ordered checks from a branch in order to use this feature.

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CUSTOMER FORMS The Customer Forms feature allows you to take advantage of branch services online. Please make sure that you have read any disclosure text, if shown, before submitting the application. Your account information such as ID, Name, Address and E-mail is automatically displayed on the forms.

To receive Secure Online Forms, select between several of the following options.

NOTE: You can use the TAB key to advance between fields within the forms.

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USER OPTIONS If you need to make changes to your Online Banking experience, select User Options from the navigation bar to update information involving your session and personal information.

Change Online Banking Password

Change Timeout

Change E-mail Address

Change History Date Range Change History Default Sort Order Change Start Page

Change Customer ID

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CUSTOMER KNOWLEDGE Forgotten Password Reset • For security reasons, five invalid login attempts will lock your Online Banking account. • You can access the Forgotten Password feature to reset your password by answering the challenge question to validate your identity. • The Forgotten Password button is located on the home page of our website underneath the User ID and Password fields. Ending Your Online Banking Session • It is recommended (but not required) that you click the Log Out link to end every Online Banking session. Online Help Index • On the home page, click on Help or go to: https://www.columbiabankonline.com/onlineserv/HB/login_help.html Mobile Text Banking Keywords We have included a keyword cheatsheet for you to cut out and keep in your wallet. Simply text the keyword to “454545” to receive the specified information.

Secure Support We want to make communicating with us to be quick, secure and easy. Although we do not recommend that you include sensitive financial information when sending an e-mail, Secure Support however, allows you to communicate and send confidential account inquiries online. To begin, click the Secure Support link in the upper righhand corner of the screen. columbiabankonline.com |

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Columbia Bank eGuide