Two Great Banks Even Better Together

Transcription

1 Two Great Banks Even Better Together Welcome to Central Valley Community Bank Important Information Guide For Folsom Lake Bank Customers Effective February 12, 2018

2 Table of Contents Pg 2 Questions & Answers Welcome to Central Valley Community Bank Your banking relationship is important to us. With that in mind, we have prepared this comprehensive Merger Information Guide to assist you with the upcoming transition of accounts from Folsom Lake Bank to Central Valley Community Bank products and services beginning Friday, February 9, 2018 through Monday, February 12, Pg 11 Pg 17 Merger Process Information Account Information ATM and Debit Card Information Chip-Card Technology Information Overdraft Option Information Personal Account Information Business Account Information Safe Deposit Box Information CD/IRA Account Information Insurance Requirements MasterCard Credit Card Account Information Personal/Business Loan Information Incoming Wire Transfer Information Personal Online Banking Personal Online Banking Information Important Information Prior To Conversion Conversion Date Instructions Frequently Asked Questions Business Online Banking Business Online Banking Information Important Information Prior To Conversion Conversion Date Instructions Frequently Asked Questions Pg 24 Account Conversion Information Pg 30 Account Disclosures Consumer Privacy Policy Schedule of Fees Separately Inserted Terms & Conditions

3 Merger Process Information 1. What does change of control mean? The merger of Folsom Lake Bank (FLB) and Central Valley Community Bank (CVCB) was finalized as of 10/1/17. This period is referred to as change of control, where FLB became part of CVCB and no longer operated as a separate bank. CVCB will continue to operate three FLB offices in Folsom, Rancho Cordova and Roseville (combined with CVCB Roseville) under the FLB brand until the systems conversion period is completed. 2. What does conversion mean? Conversion is the internal change of financial transaction systems from FLB to CVCB. Upon conversion, the terms and conditions of your accounts will change to the standard terms and conditions of CVCB accounts. Conversion is expected to begin on Friday, 2/9/18, and be completed before branches open on Monday, 2/12/18. Changes to the terms applicable to your banking accounts will be effective on 2/12/18. Further explanation of what this means to you as a customer is detailed in this Merger Information Guide. 3. Where can I view updated information on the conversion process? Updated information and timely announcements are available online on the homepage of through the conversion process. 4. What should I expect to see at branch locations as a result of the merger? GENERAL SUMMARY The Folsom Lake Bank offices will look exactly the same as they do today, with the exception of the relocated Roseville office. The same friendly employees will be available at each office to greet and help you complete your banking transactions. As a customer, you should not notice any change in the level of service you have grown to expect from the FLB team. CVCB and FLB teams have been training together to make this transition as smooth and seamless as possible. For your convenience, the operating hours for Folsom Lake Bank offices will remain the same: GREATER SACRAMENTO AREA FOLSOM 905 Sutter Street, Ste. 100 Lobby Hours Monday - Friday: 9:00 a.m. - 5:00 p.m. RANCHO CORDOVA 2865 Sunrise Boulevard Lobby Hours Monday - Friday: 9:00 a.m. - 5:00 p.m. ROSEVILLE (combined office) 2999 Douglas Boulevard, Ste. 160 Lobby Hours Monday - Friday: 9:00 a.m. - 5:00 p.m. NAME AND SIGNAGE CHANGES The name change from Folsom Lake Bank to Central Valley Community Bank will be effective on 2/12/18. Exterior and interior branch signage changes from FLB to CVCB will transition during the month of February. PHONE NUMBERS The Folsom Lake Bank office phone numbers will remain the same, but beginning on 2/12/18, the phones will be answered, Central Valley Community Bank. All phone recordings and voic messages will change to CVCB at conversion on 2/10/18. All of your questions will continue to be answered by your local office, and if the office is serving other customers, your call may be routed to the CVCB support team in the Customer Service Department where they can help direct your call as needed. The Customer Service Department can be reached at (800) or (559) or via at customerservice@cvcb.com. WEBSITE The FLB website address at will transition to after conversion. Please use to access all of your Personal and Business Online Banking accounts as of Monday, 2/12/18, and learn about the full range of products and services available to you through CVCB. Page 2 Merger Information Guide: Questions & Answers January 2018

4 Merger Process Information (Continued) CUSTOMER SERVICE SUMMARY After conversion, the Customer Service phone number will change to (800) Feel free to contact your local office by telephone or you may stop by and speak with the friendly staff you have been accustomed to. Central Valley Community Bank Customer Service Department (800) or (559) Customer Service Hours Monday - Thursday Friday 8:30 a.m. - 5:00 p.m. 8:30 a.m. - 5:30 p.m. Extended Customer Service Hours (2/12/18 2/23/18) Monday - Friday 8:00 a.m. - 6:00 p.m. During the conversion weekend, Personal and Business Online Banking and Bill Pay will not be available until Monday, 2/12/18 at 9:00 a.m. ATMs located at your local branch will not be accessible from 3:30 pm Friday, 2/9/18 until Tuesday, 2/13/18; however, MoneyPass network ATMs will be available throughout the conversion period for your convenience. 5. When will I be able to visit Central Valley Community Bank offices to do my banking? Beginning Monday, 2/12/18 you will be able to visit any CVCB location for your banking needs and CVCB customers will be able to visit newly converted FLB offices. After the conversion, there will be a total of 24 CVCB offices in 18 San Joaquin Valley communities: Cameron Park, Clovis, Exeter, Fair Oaks, Folsom, Fresno, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Prather, Rancho Cordova, Roseville, Stockton, Tracy, and Visalia. 6. What is BankLine and when can I access it? BankLine is Central Valley Community Bank s 24-hour automated telephone banking system where you can access your checking, savings, CD, IRA and loan accounts, transfer funds between checking and savings accounts, make loan payments and change your ATM/Debit Card PIN. As of 2/12/18, customers will have access to CVCB s BankLine at (866) The first time you access BankLine you will be prompted to register. You will be required to enter your Social Security Number and a Personal Identification Number (PIN). Your PIN will be set to a default PIN which is the last four digits of your Social Security Number. For security purposes, you will be prompted to change your PIN upon initial log in. The system will then prompt you to input your account number and either the last four digits of your evening phone number or zip code. 7. Is CVCB part of the MoneyPass Network? Yes, and there are no ATM charges when you use a MoneyPass ATM. If you elect to use a foreign ATM that is not part of the MoneyPass network, you may be charged by that organization for your transactions, and CVCB will also charge a $3.00 Foreign ATM Fee. For a listing of the over 25,000 available MoneyPass locations, visit Account Information 8. Will I receive more than one letter or notice regarding account changes from FLB to CVCB? Depending on your account relationship, everyone will receive this comprehensive Merger Conversion Guide. Some customers will also receive individual letters that require action with detailed instructions and notices. 9. What happens to my existing FLB accounts? As of Monday, 2/12/18, all of the terms and conditions of your FLB deposit accounts will convert to the terms and conditions of your new corresponding CVCB accounts. Please refer to the Account Conversion Information on pages for details. This information individually outlines all personal and business banking products under the new converted CVCB products. It includes an easy-to-view table with the names of your previous FLB products, their new CVCB product names, features and benefits, and any action items you should consider. Please Note: Terms and Conditions for Time Certificates (TCDs) will remain the same until maturity. For more information, see the CD/IRA Information section on page Will my existing account numbers change for deposit products? No, your account number will remain the same. 11. What can I expect with my checking and savings account statements? After conversion, your next account statement will reflect the CVCB look and all transactions will be included in the statement listed under your CVCB checking or savings product names. Reference the table below for account statement dates for Personal and Business checking and savings accounts. Loan statement dates will remain the same. Folsom Lake Bank Statement Personal Business Central Valley Community Bank Statement Dates 5th of the month (beginning 3/5/18) Last day of the month (beginning 2/28/18) January 2018 Merger Information Guide: Questions & Answers Page 3

5 Account Information (Continued) 12. When will I receive my last FLB statement? All FLB customers will receive a final statement with an end date of 2/9/18. If your account is interest bearing, all interest will be paid through 2/11/18. Your first CVCB statement will include data from 2/10/18 through the end of your new statement cycle date. Important Note: Up to 18 months of Historical estatements will become available after 3/1/18. If you anticipate needing access to these statements during this time, we recommend that you save/print them prior to 2/9/ If my checking account currently pays interest, will it continue to earn interest after the merger? Please refer to the Account Conversion Information on pages to learn more about how your specific account type will convert to your new account and features. 14. Will I be able to change accounts or open a new account? If you are interested in moving to a different account, our New Account Representatives are available to help you review account options and to assist you in determining if another account more closely aligns with your needs. If you would like to open a new account, please see a New Account Representative. 15. Will check images be included with my checking statements? Yes, for business checking statements, an image of the front of the check will be included. For personal checking accounts, only Relationship Interest Checking and Personal Money Market Accounts will include check images. You may also view images by signing up for online banking. 16. Am I going to continue to receive deposit images in business checking account statements? Yes, in addition your account deposit tickets will be individually listed on your business checking account statement. You may view your deposit ticket offset images within the Business Online Banking system. 17. If I currently have accounts with CVCB, will my FLB accounts be merged into them? If you have accounts with both banks at conversion, they will remain separate and you will receive separate statements for each account. 18. Will I be able to perform external transfers at CVCB? If you currently transfer funds from your FLB checking account to another bank, the external transfer process (credit/debit) will not be supported after 2/9/18. Please contact your Account Representative at FLB prior to 2/9/18 to discuss alternative methods to move funds between banks. Note: Loan payments made from an external account will be supported after 2/9/ What happens to my FDIC insurance coverage if I have deposits at both FLB and CVCB and my combined balances exceed $250,000? If you have accounts at CVCB and FLB at the time of the merger, (Effective October 1, 2017) those accounts will continue to be insured separately through April 1, 2018 (six months from the date of the merger). This grace period will give you the opportunity to restructure accounts if necessary and consult with one of our experienced banking professionals. Certificates of Deposit will be insured until the first maturity date. Please see your Branch Manager for FDIC insurance coverage details. 20. Do you have a Funds Availability Policy? Yes, our general policy is to allow you to withdraw funds deposited in your account on the next business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In certain cases, we may delay your ability to withdraw funds beyond the next business day. Then the funds will generally be available by the second business day after the day of the deposit. ATM and Debit Card Information 21. When will I be able to use Central Valley Community Bank ATMs? At the Folsom and Rancho Cordova locations you will be able to start using CVCB ATMs on Tuesday, 2/13/18. All other CVCB ATMs will be available as of Monday, 2/12/18. Plus, all MoneyPass network locations are available throughout the conversion period for your convenience. Important Note: CVCB ATMs offer deposit automation. At our ATMs you can insert cash and checks right into the ATM no envelope is required. Your cash deposit is credited immediately to your account. When you insert your deposit, you can verify the amount on the screen. Your receipt will also confirm your deposit, along with an image of your check. 22. What is ATM Deposit Automation? CVCB offers envelope-free ATMs where you no longer need to use envelopes or deposit slips. With CVCB ATMs, you have the option to deposit up to 30 checks and 50 bills at one time and print check images on your receipt. The ATMs also offer full-color interactive screens and text-to-voice capabilities and braille labels for vision-impaired customers. Page 4 Merger Information Guide: Questions & Answers January 2018

6 ATM and Debit Card Information (Continued) 23. Will I get a new Personal Visa Debit Card? A new CVCB Personal Visa Debit Card will be mailed to the address on file the week of 1/22/18. Your new PIN will come in a separate mailing approximately one week after receiving your new CVCB Personal Visa Debit Card: You may activate your new card immediately, but you will not be able to use the card until Friday, 02/9/18 at 4:00 p.m. You will be able to use your FLB Debit Card through 2/12/18 at 6:00 a.m. After 6:00 a.m. your FLB Debit Card will no longer work, at which time you will need to destroy your FLB Debit Card and proceed with using your new CVCB Personal Visa Debit Card. You will be able to customize your PIN by calling BankLine at (866) or (559) on or after 2/12/18. NOTE: In order to customize your PIN, you will need to provide the PIN number you received in the mailing noted above. Your new CVCB Personal Visa Debit Card will be embedded with the latest chip technology to provide enhanced security when used at chip-enabled terminals. For more information on chip technology, please refer to page 6 or you can also visit and review the Personal Debit Card webpage. 24. Will I get a new Business Visa Debit Card? A new CVCB Business Visa Debit Card will be mailed to the address on file the week of 1/22/18. Your new PIN will come in a separate mailing approximately one week after receiving your new CVCB Business Visa Debit Card: You may activate your new card immediately, but you will not be able to use the card until Friday, 2/9/18 at 4:00 p.m. You will be able to use your FLB Debit Card through 2/12/18 at 6:00 a.m. After 6:00 a.m. your FLB Debit Card will no longer work, at which time you will need to destroy your FLB Debit Card and proceed with using your new CVCB Business Visa Debit Card. You will be able to customize your PIN by calling BankLine at (866) or (559) on or after 2/12/18. NOTE: In order to customize your PIN, you will need to provide the PIN number you received in the mailing noted above. Your new CVCB Business Visa Debit Card will be embedded with the latest chip technology to provide enhanced security when used at chip-enabled terminals. For more information on chip technology, please refer to page 6 or you can also visit and review the Business Debit Card webpage. 25. What will happen to automatic debits I have linked to my FLB Debit Card? Automatic debits linked to your FLB Personal Debit Card will not transfer. As soon as you activate your new CVCB Personal Visa Debit Card, please notify any third parties or businesses initiating a charge to your FLB Debit Card of your new CVCB Personal Visa Debit Card number. Some third parties require time to make this change, so you should inform them immediately of your new card number and effective date to help ensure your services continue without interruption. 26. Will I need to update my automatic payments, direct deposits, etc. linked to my FLB deposit accounts? All automatic payments, direct deposits, etc. will continue as usual following the conversion. We recommend that you contact all parties that initiate automatic payments, direct deposits, etc. from your account and provide the updated routing and transit numbers to ensure they have the most updated information. CVCB will also have an information sheet available to assist you with providing the new routing and transit numbers. 27. Will my Personal Debit Card limits change? Your FLB Debit Card limits will remain the same from now until 2/12/18 at 6:00 a.m. After 6:00 a.m. on 2/12/18 your FLB Debit Card will no longer work. Over the conversion weekend from 2/9/18 at 4:00 p.m. through 2/12/18 at 6:00 a.m., your limits will be $300 per day for ATM withdrawals, $900 per day for point-of-sale withdrawals and $1,000 per day for signature purchases. PLEASE NOTE: These limits will apply to both the FLB and the CVCB Debit Cards. On 2/12/18, your limits will be $500 per day for ATM withdrawals, $1,500 per day for point-of-sale withdrawals and $3,500 per day for Debit Card signature purchases. NOTE: The $1,500 point-of-sale (POS) limit is part of the $3,500 signature limit per day. 28. Will my Business Visa Debit Card limits change? Your FLB Business Debit Card limits will remain the same from now until 2/12/18 at 6:00 a.m. After 6:00 a.m. on 2/12/18 your FLB Business Debit Card will no longer work. Over the conversion weekend from 2/9/18 at 4:00 p.m. through 2/12/18 at 6:00 a.m., your limits will be $300 per day for ATM withdrawals, $900 per day for point-of-sale withdrawals and $1,000 per day for signature purchases. PLEASE NOTE: These limits will apply to both the FLB and the CVCB Debit Cards. On 2/12/18, your limits will be $500 per day for ATM withdrawals, $1,500 per day for point-of-sale withdrawals and $3,500 per day for Debit Card signature purchases. NOTE: The $1,500 point-of-sale (POS) limit is part of the $3,500 signature limit per day. January 2018 Merger Information Guide: Questions & Answers Page 5

7 Chip Card Technology Information 29. What is a chip-enabled debit or credit card? A chip-enabled debit or credit card, also known as a chip card or EMV card, adds an extra layer of security to your Visa Debit or Credit Card transactions. 30. What does a chip look like? A chip card has a small metal square on the front of the card above the card number. 31. Why do we need chip cards? Cards with magnetic stripes are easily duplicated and fraud is on the rise. Chip cards contain microprocessors that enhance the security of cards during transactions at the point of sale. 32. How does chip technology protect my information? Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip-enabled Visa Debit or Credit Card, it generates a code that is unique to each transaction. This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases. 33. Will chip cards prevent all fraud from happening? No, chip cards simply provide an additional layer of security at chip-enabled terminals. Central Valley Community Bank still advises that you take appropriate precautions to reduce the risk of becoming a victim of identity theft. 34. Will I still be protected against unauthorized charges? Yes, consumers are protected; please see Central Valley Community Bank s Terms and Conditions for complete details. For Business customers, please refer to your Business Debit Card agreement. Please notify Central Valley Community Bank immediately of any unauthorized use. 35. How do I use a chip-enabled debit or credit card? When making a purchase at a store, if the retailer has a chip-enabled terminal, insert the chip end of your Central Valley Community Bank Business or Personal Visa Debit or Credit Card into the terminal with the chip facing up. Keep your card in the terminal throughout the transaction and follow the prompts on the screen. Remove your card when prompted and take your receipt. Please Note: When using a CVCB ATM, please insert, remove and then reinsert your card. You will need to leave your card in the ATM until your transaction is completed. If the retailer is not equipped with a chip-enabled terminal, simply swipe your Business or Personal Visa Debit or Credit Card as you do today. For purchases made online or over the phone, please continue as you do today, there are no changes to this process. 36. Where can I use a chip-enabled debit or credit card? You can use a Business or Personal Visa Debit or Credit Card at millions of places that accept Visa, at home and around the world. 37. Can I still swipe my card to pay? Yes, if a merchant is not yet chip-enabled, simply swipe your card as you do today. Overdraft Option Information 38. What are my Personal Checking overdraft options at CVCB? Central Valley Community Bank can cover your Personal Checking overdrafts in the following ways: Auto Transfer Plans: Establish a pre-authorized transfer of funds from your linked savings or eligible second checking account to cover any potential overdrafts. You must apply for this service, so please see a New Account Representative for details. Community Credit Line (CCL): A formal line of credit tied to a deposit account to specifically cover overdrafts. You must apply for this product, so please see a New Account Representative for details. Page 6 Merger Information Guide: Questions & Answers January 2018

8 Personal Account Information 39. What will happen to my unused FLB checks? You will be able to use your FLB checks up to 90 days after the systems conversion. We recommend that you contact your local branch to reorder checks using CVCB s routing and transit number at your earliest convenience. Important Note: If you order your check supplies from a source other than CVCB, please contact a New Account Representative to request an information sheet with the correct routing and transit format to make sure all of the appropriate details are contained on your new check order to avoid disruption in service and ensure your new checks contain the latest security features. 40. Do you offer a Student Checking account? Yes, we offer a Student Checking account for young adults ages This account requires a parent or guardian as joint owner. If you are interested in learning more about this account, please see a New Account Representative. Business Account Information 41. What will happen to my unused FLB Business checks? You will be able to use your FLB business checks up to 90 days after the systems conversion. We recommend that you contact your local branch to reorder checks using CVCB s routing number at your earliest convenience. Important Note: If you order your business check supplies from a source other than CVCB, please contact a New Account Representative to request an information sheet with the correct routing and transit format to make sure all of the appropriate details are contained on your new business check order to avoid disruption of service and ensure your new checks contain the latest security features. 42. If I have a FLB Merchant Card Processing Program, what will happen to my service? You will still be able to use the services provided under the FLB Merchant Card Processing Program. Soon after conversion, your local Branch Manager and Cash Management Officer will be contacting you to review all available new options and answer any questions you may have. Merchant Services at CVCB are provided with our partner United Merchant Services. 43. Will my courier service continue? We will review all existing courier arrangements to ensure appropriate solutions continue to meet your needs. 44. Is the pricing for Courier Service going to change? There are fees associated with courier service pick up. Please contact your local Branch Manager or Customer Service Manager to discuss courier service pricing or alternatives that may support your needs. Safe Deposit Box Information 45. Will there be any changes with my current Safe Deposit Box? Your current safe deposit box located at FLB will remain the same. Due to a slight increase in annual rental fees your annual fee will be waived for a period of one year from your anniversary date beginning with the conversion date of 2/12/18. See below pricing details. After a one-year waiver, the Safe Deposit Box rental fee will be applied based upon the size of your box: Box Size Annual Rent (Effective 2/12/18) 3x5 3x10 5x10 10x10 $44.00 $74.00 $94.00 $ January 2018 Merger Information Guide: Questions & Answers Page 7

9 CD/IRA Account Information 46. What can I expect regarding my Individual Retirement Account (IRA)? Your Individual Retirement Account will retain its existing terms until maturity. Upon maturity, the account is set to reinvest into the closest matching maturity product if we do not hear from you, all Central Valley Community Bank terms and conditions apply. In addition, CVCB will act as the successor custodian. No action is required. Visit your local office for more information. 47. What can I expect regarding my Certificate of Deposit Accounts (CD)? Your Certificate of Deposit will retain its existing terms until maturity. Upon maturity, the account is set to reinvest into the closest matching maturity product if we do not hear from you, all Central Valley Community Bank terms and conditions apply. Visit your local office for more information. 48. What is the Certificate of Deposit Account Registry Service (CDARS)? The Certificate of Deposit Account Registry Service (CDARS) is the easiest, most convenient way to access FDIC insurance on large deposits. Large deposits are broken into smaller amounts and placed with other banks that are members of the CDARS network. Deposits earn one rate per maturity on your entire investment and you will receive one regular account statement that includes a listing of all your CDs along with their issuing dates, maturity dates, interest earned and other details. By working with one bank, Central Valley Community Bank, you can receive FDIC insurance coverage through many. If you are interested in learning more about CDARS, please talk to one of our Account Representatives. Insurance Requirements 49. If I already have an insurance policy covering my loan at FLB for property casualty insurance on real estate, vehicles, equipment, etc., do I need to notify my insurance agent of this change? Yes, you will need to notify your insurance agent that Central Valley Community Bank will be the new lienholder and your agent will make the change to the policy. You should provide your insurance agent with the following information for the policies where FLB is the lienholder: Central Valley Community Bank, its successors and/or its assigns 7100 N. Financial Drive, Ste. 101 Fresno, CA If the collateral securing my loan is located in a flood zone and I have already obtained flood insurance, will I be required to continue my current flood insurance policy after conversion? Yes, flood insurance is a federal requirement and must be continued to protect the Bank s collateral interest. You should keep your existing flood coverage in place and notify your insurance agent of this change. You should provide your insurance agent with the following information for the policies where FLB is the lienholder: Central Valley Community Bank, its successors and/or its assigns 7100 N. Financial Drive, Ste. 101 Fresno, CA On flood insurance policies, how will I know what information I need to provide to my insurance agent? You will receive a letter with a notice from CVCB separate from this Merger Information Guide. This letter will notify you to let your insurance agent know that CVCB will be handling your loan. We will include the Notice to Borrower In Special Flood Hazard Area and ask you to sign and return it to us as soon as possible. MasterCard Credit Card Account Information 52. Will I receive a new MasterCard Credit Card? No, you can continue to use your existing Folsom Lake Bank MasterCard Credit Card after the conversion. Page 8 Merger Information Guide: Questions & Answers January 2018

10 Personal/Business Loan Information 53. What is changing with my loan account? Most loan account numbers will not change. If you are one of the few customers who will have a new loan account number, you will be notified in advance in a separate letter with specific details outlining the changes. Customers who currently receive billing statements will continue to receive a billing statement. You may notice that the statement looks different, but the information will remain the same (rate, terms and conditions agreed to at the time the loan was approved). 54. Where should I send my loan payments? Please continue to make your loan payments as you do today. As of 2/10/18, loan payments can be made at any CVCB location or mailed to: Central Valley Community Bank 7100 N. Financial Drive Ste. 101 Fresno, CA If I have signed up for FLB s Consumer Overdraft Line of Credit, will I have to make any changes? No, changes that are going to be made to your Consumer Overdraft Line of Credit will not require any action on your part. You will receive a separate letter detailing the changes to your account. 56. If I have FLB s Commercial Overdraft Line of Credit, will I have to make any changes? No. Changes that are going to be made to your Commercial Overdraft Line of Credit will not require any action on your part. You will receive a separate letter detailing the changes to your account. 57. If I have a Home Equity Line of Credit (HELOC), will I receive checks after conversion? Yes, new checks for your HELOC will be provided to you after the conversion. The checks will be sent to the branch where you established your line of credit. A bank representative will contact you when your checks arrive. You will receive a separate letter with specific details of any action required. 58. Will I receive a separate notification of an index rate change on my variable rate Consumer or Commercial/Business Loan(s)? No, interest rate changes that may occur on your loan will be shown on your Monthly Loan Statement. 59. Will the payment application method change for how interest and principal is applied to my Consumer or Commercial/Business loan(s) if I have a scheduled payment which includes Principal and Interest? Yes, today, the interest portion of your payment is credited up to the payment due date and the remainder is credited to principal. After conversion, interest will accrue up to the date your payment is received and credited on that date. For example, if your payment is due on 11/1/17, and not received by us until 11/7/17, interest will continue to accrue until credited on 11/7/17. So, at Central Valley Community Bank, the earlier your payment is received, less is being applied to interest and more is being applied to principal to reduce your loan balance. 60. Who should I contact if I have additional loan questions? If you have additional questions after 2/10/18, please visit any CVCB location or contact us at (800) or (559) Does CVCB report information about my consumer loans to credit bureaus? As a participant in the consumer reporting system, we furnish information about our experience with you to consumer reporting agencies. These consumer reports allow us to make credit and other opportunities available to you. NOTICE OF NEGATIVE INFORMATION DISCLOSURE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. January 2018 Merger Information Guide: Questions & Answers Page 9

11 Personal/Business Loan Information (Continued) 62. Can I opt out from CVCB reporting my information on my consumer loans to credit bureaus? No, you may not opt out from the information we report. 63. Who do I contact if I should discover information reported by CVCB is inaccurate? If you believe that we have furnished information to a consumer reporting agency that is inaccurate, please notify us at once. You may contact Credit Administration by calling (800) or writing to: Credit Administration Central Valley Community Bank 7100 N. Financial Drive, Ste. 101 Fresno, CA Incoming Wire Transfer Information 64. What information do I need to provide for Incoming Domestic Wires (U.S. Dollar)? Please provide the following instructions to any parties sending wire transfers to Central Valley Community Bank. Beneficiary Bank: Central Valley Community Bank Beneficiary Bank ABA#: Beneficiary Name: Beneficiary Address: Beneficiary Account: 65. What information do I need to provide for Incoming International Wires (U.S. Dollar)? The following instructions are for receiving wire transfers in US Dollars only from foreign countries. Intermediary Bank Swift: 56: WFBIUS6S *See note below Intermediary Bank Name: Wells Fargo Bank Intl, San Francisco Account with Intermediary Bank: 57D: //FW Beneficiary Bank: Central Valley Community Bank 7100 N Financial Drive Ste 101, Fresno CA 93720, USA Beneficiary Name: Beneficiary Address: Beneficiary Account: *Please keep in mind this above SWIFT is only to be used when you are receiving US Dollar wires from foreign countries. 66. What information do I need to provide for Incoming International Wires (Foreign Currency)? If you need foreign currency wire instructions please contact CVCB Customer Service at (800) Foreign currency wire instructions are unique based on the currency and country. Page 10 Merger Information Guide: Questions & Answers January 2018

12 ATTENTION FLB ONLINE BANKING CUSTOMERS CVCB has two separate online banking platforms, one for Personal accounts and one for Business accounts. If you have both Personal and Business accounts on your current FLB Online Banking platform, you will need to access your accounts on two separate platforms. For Business Online Banking Conversion details, please see pages Personal Online Banking Information 67. When will my existing Personal Online Banking and Bill Pay account convert to CVCB? In preparation for the conversion to Central Valley Community Bank s Personal Online Banking and Bill Pay service, please note the following: Unavailable as of: Available as of: Personal Online Banking Personal Bill Pay Friday, 2/9/18 at 2:00 p.m. Thursday, 2/8/18 at 12:00 p.m. Monday, 2/12/18 at 9:00 a.m. through homepage On Monday, 2/12/18 after 9:00 a.m. you can access your CVCB Personal Online Banking account from the homepage by entering your existing FLB Username and temporary Password and clicking the Login button. Your temporary password will be the last six digits of your Social Security Number. Follow the prompts to set up your new password and security questions, you will also be asked to agree to CVCB s Terms and Conditions. 68. What does CVCB Personal Online Banking include? Our free Personal Online Banking service gives you immediate access to your CVCB personal accounts and provides the features listed below: Alerts: The ability to set account alerts to notify you when a specific account activity occurs, such as your balance reaching a predetermined level. Secure Messaging: If you have a question about a specific transaction, you can communicate securely from within the Personal Online Banking platform directly to the Electronic Banking Department. estatements: Receive your monthly statements electronically as soon as they are ready for viewing. Mobile Banking: Manage your money anytime, anywhere, from your mobile device. Mobile Deposit: An added convenience of Personal Mobile Banking, with Mobile Deposit you can deposit checks from our Mobile App by taking a photo (daily and monthly limits, endorsement restrictions and fees may apply). Bill Pay: Pay your bills online, view payment history, schedule single and recurring payments and much more. Popmoney SM : Safely send or receive money electronically with your Personal Checking account with this person-to-person payment service. There is a $0.65 fee for each Popmoney SM payment that you initiate. There is no fee to accept payments through Popmoney SM. 69. If I m not a current Personal Online Banking Customer, how can I sign up after conversion? After the conversion on 2/12/18, you can sign up for Personal Online Banking and other services using the following steps: Personal Online Banking: To enroll in Personal Online Banking, go to and click on the Enroll link located under the Personal Online Banking Login and follow the enrollment steps. Bill Pay: Once you are logged into your Personal Online Banking account, you can sign up for Bill Pay by clicking on the Pay Bills tab, accept the terms and conditions and follow the enrollment steps. Once enrolled in Bill Pay, you will be able to use Popmoney (person-to-person) payment option. estatements: Once you are logged into Personal Online Banking, under the Account tile, click on the Online statements link and follow the easy steps for enrollment. Mobile Banking: Once you are logged into Personal Online Banking, select the Mobile link in the top right corner and follow the enrollment steps. January 2018 Merger Information Guide: Personal Online Banking Page 11

13 Be Prepared in Advance Important Information Prior To Conversion Bill Pay Users To make this transition as smooth as possible for you, we will convert all existing payees and pay schedules to the new CVCB system. We still encourage you to make a list of your current payments/payees under your current FLB system and cross reference them when you log in to CVCB Personal Online Banking. You will not be able to access your FLB system after Thursday, 2/8/18 at 12:00 p.m., so please plan accordingly. See page 14 for more information. Financial Accounting Software Users If you use an external financial accounting software program, you will be required to take action prior to Friday, 2/9/18. Please refer to the Folsom Lake Bank Merger Information page located on select the Personal Online Banking information tab, and review the Financial Accounting Software Guides section for Quicken users. See page 16 for more information. Demonstration Videos For your convenience, interactive demonstration videos are available for Personal Online Banking, Bill Pay (including Popmoney SM ), estatements and Mobile Banking. Demonstration videos can be accessed anytime on the Personal Online Banking page located under the Personal tab on or through the Merger Information page located on by selecting the Personal Online Banking information tab. estatement Users If you are a current estatement user, you will need to re-enroll once you gain access into CVCB s system. See page 15 for more information. Conversion Date Instructions 70. What to do on Monday, 2/12/18? To gain access to Personal Online Banking, enter your User ID and Password directly from the homepage and click the Login button. How Do I Log In? User ID Please use your existing Folsom Lake Bank Username. Password Your temporary password will be the last six digits of your Social Security Number. Once you log in to the Personal Online Banking system, you will be asked to do the following: 1. Create A New Password Your new password will need to meet the following criteria: at least one uppercase letter, one lowercase letter, one number, one of the following special characters (-`.,@?!()$/\) and must be at least eight characters in length. You will be prompted to change your password every 90 days. 2. Set Up Identity Verification You will be prompted to select your preferred delivery method (text or voice). After confirming your phone number, you will receive a message (text or voice) on your phone with a 4-digit code. You will be asked to enter this code to complete the login process on your desktop computer. NOTE: During subsequent Personal Online Banking sessions, you may be prompted to enter a verification code (4-digit pin) to authenticate your account. Some examples that may cause you to verify your identity include: accessing your account from a different computer, making a large transfer, or performing a transaction different from your normal session habits. Important notes: All verification text messages will come from the same 5-digit phone number (28369). The verification code will be different each time you receive an alert. Once you are signed up, you can update your phone number. Log into your Personal Online Banking, go to Settings > Security and Alerts > Identity Verification Phones. This feature does not apply to our mobile app. 3. Agree To The Terms and Conditions Please review and agree to the CVCB Personal Online Banking Terms and Conditions. 4. Address If the CVCB system does not have your on file, you will be prompted to provide it at this time. Page 12 Merger Information Guide: Personal Online Bankings January 2018

14 Conversion Date Instructions (Continued) Account Nicknames Under the Settings link, expand the Account link, and click on the account to create a nickname(s). If you do not assign a nickname to your accounts, they will appear in alphabetical order by the product name. Account Transfers Under the Transfers tab, you can set up one-time and recurring transfers. Same day transfers can be viewed in the accounts transaction history by clicking on the Account tile. Future dated or recurring transfers can be viewed by clicking on the Transfers tab. Transaction History Under the Accounts tab, you will be able to see your transaction details by account. Please note the order is sorted in alphabetical order by account. NOTE: The system retains 6-12 months of transaction history. Updates & Important Information Prior To Conversion Updates and important information prior to conversion can be accessed through the Folsom Lake Bank Merger Information page located on select the Personal Online Banking information tab. Updates & Important Information After Conversion Personal Online Banking and system notifications post-conversion can be easily found on the CVCB Personal Online Banking home screen. You can also use the Secure Messaging tool or the Help screens within the system if you need assistance. Frequently Asked Questions 71. What is different about CVCB s Personal Online Banking and Bill Pay system? The differences between the two systems are minimal. CVCB Personal Online Banking offers all the same great services and increased security features, in a user-friendly, easy-to-navigate platform. Some of the main differences include: Enhanced Password Security: You will be required to change your password every 90 days. More Options for Financial Accounting Software Users: You will be able to use Web Connect and Direct Connect for Quicken. Account History: The Personal Online Banking system stores 6-12 months account history. Mobile Banking: Manage your money anytime, anywhere from your mobile device. See page 16 for more information. Mobile Deposit: An added convenience of Personal Mobile Banking, with Mobile Deposit you can deposit checks from our Mobile App by taking a photo (daily and monthly limits, endorsement restrictions and fees may apply). Secure Messaging: If you have a question about a specific transaction, you can communicate securely from within the Personal Online Banking system directly to the Customer Service department. Alerts: The ability to set up alerts to notify you when a specific activity occurs within your account, such as your balance reaching a predetermined level or breaching a threshold, set by you. See page 15 for more information. Popmoney SM : Safely send or receive money electronically with your Personal Checking Account with this Person-to-Person payment service. There is a $0.65 fee for each Popmoney SM payment you initiate. There is no fee to accept payments through Popmoney SM. See page 14 for more information. 72. Will you convert my bank accounts? Yes, all personal accounts, where you are an owner, will be converted to the CVCB Personal Online Banking system. Please continue to use your FLB Personal Online Banking as you do now, we will transfer your accounts for you beginning Friday, 2/9/18 at 2:00 p.m. If you have both Personal and Business accounts on your FLB Online Banking platform, personal accounts will move to our Personal Online Banking platform and business accounts will move to our Business Online Banking platform. 73. How much Personal Online Banking history is available? The Personal Online Banking systems stores 6 months for Checking account history and 12 months for Savings account history. Check images are available for 90 days. January 2018 Merger Information Guide: Personal Online Banking Page 13

15 Bill Pay 74. Will my bill payees carry over after the conversion? Yes, to make the transition as smooth as possible for you, all existing payees will transfer over to the new system. However, we strongly encourage you to make a list of your current payments/payees and cross-reference them when the new system becomes available on Monday, 2/12/ Will I be able to see my previous Personal Bill Pay history? No, your Personal Bill Pay history will not transfer to the new system. 76. When setting up a payment, will I be able to select the payment send by date? When setting up a payment, in the new system you will need to select the deliver by date and not the send by date. 77. Who can I pay with the Personal Bill Pay system? You can pay anyone in the United States who you would typically pay via check. For your convenience, an interactive demonstration for Personal Bill Pay can be accessed anytime on the Personal Online Banking page located under the Personal tab on or through the Folsom Lake Bank Merger Information page located on select the Personal Online Banking information tab and review the Personal Bill Pay video. 78. Will the Personal Bill Pay system send out payments I prescheduled for a date after the conversion? Yes, future dated and recurring payments for Personal Bill Pay will convert to the new system. These payments will need to be verified once you gain access to Central Valley Community Bank s Online Banking system. 79. Is there a fee for Personal Bill Pay service? No, Central Valley Community Bank offers Bill Pay for Personal Online Banking users free of a monthly service charge. NOTE: If your account is converting to our Simplicity or Secure Checking Account, you should be aware that you may experience circumstances where the vendor might issue a check rather than an electronic debit and you may be charged a fee if the item exceeds the allowable number of checks/drafts per monthly statement cycle. 80. Are same day payments available? Yes, same day payments are available, for a fee, for a limited number of payees. 81. How can I sign up for Personal Bill Pay? New users can enroll in Personal Bill Pay anytime by selecting the Pay Bills tab after you log in to your Personal Online Banking account and follow the self-enrollment process. After you complete the process, you will have immediate access to begin using Personal Bill Pay. Popmoney SM 82. What is Popmoney SM? Popmoney SM is a person-to-person payment service that allows you to send money to anyone with a U.S. bank account. All you need is their mobile phone number or address to send them money electronically, no matter where they bank in the U.S. For more information, an interactive demonstration video can be accessed anytime on the Personal Online Banking page located under the Personal tab on or though the Folsom Lake Bank Merger Information page located on select the Personal Online Banking information tab, and review the Personal Online Banking Demonstration video. 83. How can I access Popmoney SM? Popmoney SM is available for customers that are enrolled in Personal Online Banking and Bill Pay. You will be able to access Popmoney SM after you log in to your Personal Online Banking account and access Bill Pay by clicking on the Pay People tab at the top. Then follow the prompts on the screen. 84. Is there a fee to use the Popmoney SM service? Yes, there is a $0.65 charge for each Popmoney SM payment that you initiate. There is no charge to accept payments through Popmoney SM. Security Information 85. What is Trusteer Rapport? Trusteer Rapport is a security software that protects your online banking internet connection by creating a tunnel for safe and secure communication with Central Valley Community Bank. Trusteer Rapport helps to protect your business and personal information and web browser from online threats by shielding your information from malware, even if a virus already impacts your computer. While conventional solutions such as firewalls and antivirus software are important, Trusteer Rapport adds an additional layer of security to any anti-virus or security software you already use or have installed on your computer. 86. How do I sign up for Trusteer Rapport? The Trusteer Rapport splash page will pop up after you log in to the Personal Online Banking system, select the Download Now button and follow the prompts. This prompt may continue indefinitely until you choose this added security feature. Page 14 Merger Information Guide: Personal Online Banking January 2018

16 Alerts 87. What are Alerts? Alerts are notifications sent to you via when certain account events occur. Alerts provide an additional way to monitor your accounts for suspicious activity. Alerts can be set up for the following: Transaction: Use Transaction Alerts to notify you when your payroll is deposited, a check clears or to monitor a variety of account activities (debits/credits/atm). Balance: Use Balance Alerts to be notified when you have a low account balance or excess funds you might want to move to a higher yield investment. New Secure Message: Use New Secure Message to notify you when CVCB has sent you a secure message. This includes important Bill Pay information and other secure messages. NOTE: Alerts are not real-time. 88. How do I set up Alerts? To set up an Alert, click on the Create Alert link on the Accounts Details page and follow the prompts. Your Alerts preferences can be updated at any time in this same location. estatements 89. What are estatements? estatements are an electronic version of your monthly account statement. You can sign-up electronically for estatements, free of charge! For more information on estatements, an interactive demonstration can be accessed anytime on the Personal Online Banking page located under the Personal tab on or though the Folsom Lake Bank Merger Information page located on select the Personal Online Banking information tab, and review the Personal Online Banking tab. 90. Does the CVCB Personal Online Banking system offer estatements? Yes, if you are an existing estatements customer within FLB s Personal Online Banking platform, you will need to re-enroll in estatements within CVCB s Personal Online Banking. NOTE: In order to view an estatement, you have to be enrolled in estatements in Personal Online Banking. If you are a customer with a Simplicity Checking Account, you will need to enroll in estatements within 60 days of conversion in order to continue to maintain your account at no charge. 91. Will there be a delay in my historical estatements? Historical statements will be available after 3/1/18. If you anticipate needing access to these statements during this time, we recommend that you save/print them prior to 2/9/ How do I sign up for estatements? Once you log in to Personal Online Banking, click on the Accounts tile and select the Statements link and follow the enrollment process. NOTE: In order to complete the enrollment verification process, your computer will need to be able to download Adobe PDFs. In the enrollment process you will be asked to open a sample PDF and extract the code before the enrollment can be completed. If you do not have Adobe PDF reader, a link to download Adobe PDF reader will be provided at the time of enrollment. 93. How many months of estatement history will be available? After 3/1/18, estatements will store 18 months of history. You will be able to download, print and save statements to your personal computer. 94. How long after I sign up will I begin receiving estatements? Please allow up to one statement cycle to discontinue paper statements. Your statement cycle cutoff date will remain the same. 95. Can I receive both paper and electronic statements for the same accounts? No, you will be asked to choose one or the other. You will be able to view, print, and save your online estatements to a proprietary computer. 96. How will I know when my estatement is ready to be viewed? Each month you will receive an alert indicating your estatement is available for viewing. Alerts will be sent to the designated address on file. You must have a valid address to receive estatements. January 2018 Merger Information Guide: Personal Online Banking Page 15

17 Mobile Banking 97. What is Personal Mobile Banking? Personal Mobile Banking is a convenient way to manage your money safely and securely while using your mobile device. With Personal Mobile Banking, you can check your account balances, view recent transactions, transfer money between your Checking and Savings accounts, send and receive money with Popmoney SM, pay bills and locate the nearest CVCB ATMs and branches. 98. How do I set up Personal Mobile Banking? To enroll in Personal Mobile Banking, log in to your CVCB Personal Online Banking account and select Mobile in the upper right corner. Follow the prompts to sign up for the Mobile Browser, Mobile App, Text Messaging and Alerts. 99. Does Personal Mobile Banking offer Personal Mobile Deposit? Yes, Personal Mobile Deposit is available when you download the Central Valley Community Bank iphone or Android App. To access Personal Mobile Deposit you will need to log in to your Central Valley Community Bank Mobile App, select Deposits from the menu and follow the steps to submit a New Deposit Does Personal Mobile Banking offer Text Alerts*? Yes, you can receive automatic alerts sent directly to your mobile device regarding account balances and transactions posting to your account. Alert options include: Withdrawal Alert: Notifies you when a withdrawal has been posted to your account. Deposit Alert: Notifies you when a deposit has been posted to your account. Low Balance Alert: Notifies you when your account balance falls below your pre-set limit. Overdraft Alert: Notifies you when your account is overdrawn. Check Alert: Notifies you when a specific check number posts to your account. *Standard message and data rates may apply. Please note the alerts feature is not real-time, Alerts will be sent out each night during nightly processing. CVCB Mobile Banking is a free service and only available with a CVCB Personal Online Banking Account. However, your mobile service provider may charge for text message and/or web access. Check your plan for details Where can I go if I have questions or need assistance? Our Customer Service team is available to assist you Monday through Thursday, 8:30 a.m. to 5:00 p.m., and Friday from 8:30 a.m. to 5:30 p.m. at (800) or customerservice@cvcb.com beginning on Monday, 2/12/18. Financial Accounting Software Information 102. Is CVCB s Personal Online Banking system compatible with other accounting software systems (i.e., Quicken or QuickBooks)? CVCB s Personal Online Banking system is compatible with both Quicken and QuickBooks. Please refer to the Folsom Lake Bank Merger Information page located on select the Personal Online Banking Information tab, and review the Financial Accounting Software Guides section for Quicken users. For all other accounting software packages, please contact the vendor of your product for complete instructions on compatibility and conversion steps. Page 16 Merger Information Guide: Personal Online Banking January 2018

18 ATTENTION FLB ONLINE BANKING CUSTOMERS CVCB has two separate online banking platforms, one for Personal accounts and one for Business accounts. If you have both Personal and Business accounts on your current FLB Online Banking platform, you will need to access your accounts on two separate platforms. For Personal Online Banking Conversion details, please see pages Business Online Banking Information 103. When will my existing Business Online Banking account convert to CVCB? In preparation for the conversion to Central Valley Community Bank s Business Online Banking and Bill Pay service, please note the following: Business Online Banking Business Bill Pay Unavailable as of: Friday, 2/9/18 at 2:00 p.m. Thursday, 2/8/18 at 12:00 p.m. Available as of: Monday, 2/12/18 at 9:00 a.m. through homepage On Monday, 2/12/18 after 9:00 a.m. you can access your CVCB Business Online Banking account from the homepage by entering your existing User ID and your temporary password (last six characters of your User ID). Follow the prompts to set up your new password and security questions. You will also be asked to agree to CVCB s Terms and Conditions What does CVCB Business Online Banking include? Business Online Banking with CVCB is free from a monthly service charge and offers everything that your Business needs all in a user-friendly, easy-to-navigate system. You also have the ability to add Business Bill Pay and a full array of Cash Management Services (additional fees apply) to manage your business safely and conveniently online. Bill Pay: Pay any company or individual in the U.S. from your account. Streamline your business by paying bills online. It s fast, easy and secure (additional fees apply). estatements: Receive your monthly statements electronically as soon as they are ready for viewing. Mobile Banking: Manage your money safely and securely using your mobile device. With Business Mobile Banking, you can check your account balances, view recent transactions, transfer between your checking and savings accounts and locate the nearest CVCB ATMs and branches. Mobile Deposit: An added convenience of Business Mobile Banking, with Mobile Deposit you can deposit checks from our Mobile App by taking a photo (daily and monthly limits, endorsement restrictions and fees may apply). Alerts: The ability to set up alerts to notify you when a specific activity occurs within your account, such as your balance reaching a predetermined level or breaching a threshold, set by you. See page 20 for more information. System Administrators: A System Administrator manages the operations of your Business Online Banking. System Administrators have access to all accounts and functionality within the Business Online Banking system, as well as administrative functions such as adding and deleting users and resetting passwords. They are also able to make changes or add/delete online services and accounts for other users. Cash Management Services: Customize your Business Online Banking by adding Cash Management Services: ACH Credits/Debits: ACH credit and debit origination is an efficient alternative to paper checks, utilizing electronic transfer of funds between financial institutions to pay to or collect from consumers or other businesses. Direct Deposit/Payroll: Direct Deposit of payroll provides many benefits to your business including reduced costs and increased efficiency. Tax Payments: Make State and Federal Tax Payments. Domestic/International Wires: Business Online Banking enables you to submit requests for both domestic and international wires from your desktop. Wire requests submitted online are discounted by $10 from the standard outgoing wire fee. Remote Deposit: Remote Deposit is a check processing tool that allows you to deposit checks electronically without having to bring them to a physical branch for deposit. Utilizing a desktop scanner, provided by the Bank, you can scan checks received from customers and issue deposits electronically to the bank, anytime day or night. Positive Pay: A powerful tool in helping to protect against check fraud. For more information on Business Online Banking and Cash Management Services, you can review the demonstration videos by visiting the Business Online Banking and Cash Management Services pages on There will be a monthly service charge for Cash Management Services and applicable analysis fees may apply If I m not a current Business Online Banking or Cash Management Customer, how can I sign up after conversion? If you are interested in our Business Online Banking and Cash Management Services, you can submit a Business Online Banking form available at and one of our dedicated Cash Management Specialists will contact you within two business days or feel free to visit your local branch and they will assist you with a direct connection to our cash management team. January 2018 Merger Information Guide: Business Online Banking Page 17

19 Be Prepared in Advance Important Information Prior To Conversion Bill Pay Users If you are a current Business Online Banking Bill Pay user, your service will convert as of Thursday, 2/8/18. To ensure that there are no Bill Pay interruptions, we recommend that you do the following: Make a list of your current payees prior to Thursday, 2/8/18 to cross-reference to Central Valley Community Bank s Business Online Banking system once converted. Review the status of your payments. If a payment has an effective date of 2/8/18 or later, the payment will not process. See page 21 for more information. Future-dated & Recurring Transfer Users If you use the future-dated and recurring transfer feature, we recommend that you make a list of all future-dated and recurring transfers prior to Thursday, 2/8/18. Future-dated and recurring transfers will need to be set up again once you are converted to CVCB s Business Online Banking system. See page 21 for more information. Financial Accounting Software Users If you are a Quicken, QuickBooks or other financial accounting software user, you will need to access and download the appropriate Conversion Guide prior to Thursday, 2/8/18, which has information that you will need to follow once you are converted to CVCB s Business Online Banking system. See page 22 for more information. estatement Users If you are a current estatement user, you will need to re-enroll once you gain access into the new system. See page 22 for more information. Conversion Date Instructions 106. What to do on Monday, 2/12/18? To gain access to Central Valley Community Bank s Business Online Banking system, go to and click on the Business button located in the shaded box on the homepage, then enter your User ID and temporary Password and select the Login button. How Do I Log In? User ID Your CVCB User ID will be your existing FLB Business Online Banking User ID. Password Your temporary CVCB password will be the last six characters of your User ID. If your User ID is shorter than six characters, insert leading zeros (0) to fill the remaining spaces. NOTE: Your temporary password is case sensitive. Example User ID: JSmith1 Temporary password: Smith1 Once you gain access into CVCB s Business Online Banking system, you will be asked to do the following: 1. Set Up Challenge Questions You will be prompted at Login to set up your security questions. You will be asked to select and answer three questions from the options provided. The answers are case sensitive. NOTE: If your Company is an ACH or Wire customer, you will be asked to set up a One-Time PIN (OTP) profile. Please see page 23 for more information about OTP. 2. Create A New Password Your new password must include the following criteria: at least one uppercase letter, one lowercase letter, one number, one special character and must be at least eight characters in length (including spaces). You will be required to change your password every 90 days. 3. Agree To The Terms And Conditions Please review and agree to the Business Online Banking Terms and Conditions. Page 18 Merger Information Guide: Business Online Banking January 2018

20 Conversion Date Instructions (Continued) System Administrators (Administrative Access Rights Control) You will receive a phone call from a Central Valley Community Bank Cash Management Representative asking you to identify the individual who will have administrative access to your account. The individual you authorize will be the system administrator once accounts are converted to CVCB s Business Online Banking system. Please contact Customer Service at (800) , if you want this changed. See page 23 for more information. Account Nicknames Under the Preferences tab you can assign nicknames to each account listed, then click save. If you do not assign a nickname to your accounts, they will appear in alphabetical order by the product name. Account Transfers Under the Accounts tab you can set up one-time transfers by selecting the account you want to transfer from and follow the prompts on the screen. Same day transfers can be viewed in the Accounts tab under Activity by clicking on the applicable account, or in the Business Apps tab by clicking on the Transaction Activity link. To set up future dated or recurring transfers, go to the Business Apps tab, select the Transfers button and follow the prompts. Transaction History Under the Accounts tab, you will be able to see your transaction history by account. Please note your banking accounts are listed alphabetically by account name. You will need to select the account you wish to view from the drop-down menu. Business accounts will contain transaction history dating back to August Going forward, the system will store up to 360 days of history. Frequently Asked Questions 107. What is different about Central Valley Community Bank s Business Online Banking system? CVCB s Business Online Banking system offers all the banking features that you are accustomed to, plus the ability to add custom-tailored Cash Management Services that benefit your business, all in a user-friendly, easy-to-navigate system. New Features Include: Cash Management Services*: See page 17 for more information. Wire Transfers: Place domestic and international wire transfers securely. Change Orders: Submit orders for currency to be picked up at your local branch. Positive Pay: A powerful tool in helping to protect against check fraud. Alerts: The ability to set up alerts to notify you when a specific activity occurs within your account, such as your balance reaching a predetermined level or breaching a threshold, set by you. See page 20 for more information. System Administrators: A System Administrator manages the operations of your Business Online Banking. System Administrators have access to all accounts and functionality within the Business Online Banking system, as well as administrative functions such as adding and deleting users and resetting passwords. They are also able to make changes or add/delete online services and accounts for other users. More Options for Financial Accounting Software Users: You will be able to use Web Connect and Direct Connect for QuickBooks. Mobile Banking: Manage your money safely and securely using your mobile device. With Business Mobile Banking, you can check your account balances, view recent transactions, transfer between your checking and savings accounts and locate the nearest CVCB ATMs and branches. Mobile Deposit: An added convenience of Business Mobile Banking, with Mobile Deposit you can deposit checks from our Mobile App by taking a photo (daily and monthly limits, endorsement restrictions and fees may apply). *NOTE: There will be a monthly service charge for Cash Management services and applicable analysis fees may apply. If you wish to add Cash Management services, please fill out the form online at or contact your local branch to request an application Will I be charged a fee for CVCB s Business Online Banking system? No, there is no charge for Business Online Banking, estatements, or Mobile Banking. January 2018 Merger Information Guide: Business Online Banking Page 19

21 Frequently Asked Questions (Continued) 109. Will I be charged for CVCB s Cash Management Services? There will be a monthly service charge for Cash Management Services and applicable analysis fees may apply on your existing account. In order to assist you with learning the full benefits of CVCB s Cash Management Services, the monthly cash management fee will be waived for 6 months. If you wish to add additional Cash Management Services to your existing Business Online Banking package, please contact your local branch to request an application or fill out the form online at Will my recurring and future-dated transfers continue without interruption after the conversion? No, after the conversion, you will need to set up any recurring and future-dated transfers, as they will not convert. Recurring transfers may be set up by selecting the Business Apps tab and selecting the Transfers button. One-time transfers are easily performed from the Accounts tab How much history will be available in my new CVCB Business Online Banking system? As of the completion of the conversion on Monday, 2/12/18, you will have approximately 180 days (six months) of history available. Going forward, the system will store up to 360 days of history. If you need to access Business Online Banking prior history, please contact Customer Service at (800) and we will be able to assist you. Security Information 112. Is CVCB s Business Online Banking system secure? CVCB s Business Online Banking uses Intelligent Authentication, 128 bit encryption, and secure internet browsing to make your online experience safe and secure. Upon initial login, you will be prompted to setup challenge questions and have the option to register your computer. If you do not register your computer, you will be prompted each time you access to answer challenge questions. NOTE: While your banking behavior is being established with CVCB, you may be asked to answer your security questions more frequently. CVCB takes every opportunity to educate our customers about internet security and fraud prevention. More information can be found at by clicking on Online Privacy & Security at the bottom of the page What is Trusteer Rapport? Trusteer Rapport is security software that protects your Online Banking internet connection by creating a tunnel for safe and secure communication with CVCB. Trusteer Rapport helps to protect your business, personal information and web browser from online threats by shielding your information from malware, even if a virus already impacts your computer. While conventional solutions such as firewalls and antivirus software are important, Trusteer Rapport adds an additional layer of security to any antivirus or security software you already use or have installed on your computer How do I sign up for Trusteer Rapport? You will be presented with the Trusteer Rapport splash page after you log in for the first time to CVCB s Business Online Banking system, select the Download Now button and follow prompts. This prompt may continue indefinitely until you choose this added security feature. Alerts 115. What are Alerts? Alerts are notifications sent to you via when certain account events occur, providing another way to monitor your accounts for suspicious activity. Alerts can be set up for the following: Transaction Alerts: Use Transaction Alerts to notify you when a transaction has been submitted for more than a specified amount, put in place by you, or a transaction exceeds your business limit. Balance Alerts: Use Balance Alerts to notify you when your account balance reaches a threshold amount set by you. Security Alerts: Set up Security Alerts to notify you if something changed to your company/business profile, a password was reset, etc. may apply). NOTE: Security Alerts are real-time; however, Transaction and Balance alerts are not real-time (you will be notified next day via ) How do I set up Alerts? To set up an Alert in the Business Online Banking system, click on the Other Services tab, select Alerts and follow the prompts. Your Alerts preferences can be updated at any time in this same location. Page 20 Merger Information Guide: Business Online Banking January 2018

22 Business Bill Pay 117. What is Business Bill Pay? Business Bill Pay with CVCB lets you pay any company or individual in the U.S. from your accounts. Streamline your business by paying bills online; it s fast, easy and secure. Business Bill Pay is available for a fee of $6.95 per month. NOTE: In order to assist you with learning the full benefits of CVCB s Business Bill Pay service, the monthly fee will be waived for 12 months Will my bill payees carry over after the conversion? Yes, to make the transition as smooth as possible for you, all existing payees will transfer over to the new system. However, we strongly encourage you to make a list of your current payments/payees prior to Thursday, 2/8/18 and cross reference them when the new system becomes available on Monday, 2/12/18. To access Bill Pay after the conversion, click on the Business Apps tab and click on the Pay Bills button Will the Bill Pay system send out payments I prescheduled for a date during or after the conversion? No, all future and prescheduled payments will need to be re-established in CVCB s Business Online Banking system Will recurring payments and future-dated payments that I previously set up be made after the conversion? No, all future and prescheduled payments will need to be re-established in CVCB s Business Online Banking system. Before Thursday, 2/8/18 at 3:30 p.m. when your FLB system converts to the CVCB system, we recommend that you review the status of your payments. If a payment is listed as processed, it will be processed, if a payment is listed as pending, it will not be processed. If you have additional questions or want us to verify a payment, please contact Customer Service at (800) Can I arrange to have my billing statements sent to me electronically? Yes, one of the features of Business Bill Pay is Online Bill Presentment. This enables you to automate your billing by receiving your bills electronically, if your vendor payee offers e-bills Will I be able to see my previous Bill Pay history? No, your Business Bill Pay history will not transfer to CVCB s Business Online Banking system Will I notice changes to the deductions from my account? No, the Business Bill Pay experience will be the same When setting up a payment, will I be able to select the payment send by date? When setting up a payment in the new system you will need to select the deliver by date and not the send by date Are same day payments available? No, however, next day payments are available for a fee of $20 per payment Who can I pay with the Business Bill Pay system? You can pay anyone in the United States to whom you would customarily send a check How can I sign up for Business Bill Pay? If you would like to enroll in Business Bill Pay, please contact Customer Service or your Personal Banker to begin the enrollment process. After a Business Bill Pay Agreement has been signed and processed, you will be able to access Business Bill Pay on CVCB s Business Online Banking system through the Business Apps tab by clicking on the Pay Bills button. Business Mobile Banking 128. What is Business Mobile Banking? Business Mobile Banking is a convenient way to manage your money safely and securely while using your mobile device. With Business Mobile Banking, you can check your account balances, view recent transactions, transfer money between your Checking and Savings accounts and locate the nearest CVCB ATMs and branches How do I set up Business Mobile Banking? To enroll in Business Mobile Banking in CVCB s Business Online Banking system, log in to your Business Online Banking account, and select the Mobile tab. Follow the prompts to sign up for Business Mobile Banking Is there a fee for this service? Business Mobile Banking is a free service and only available within your Business Online Banking account. However, your mobile service provider may charge you for text message and/or web access. Check your plan for details Do you offer Business Mobile Deposit? Yes, Central Valley Community Bank offers Business Mobile Deposit. If you would like to enroll in Business Mobile Deposit, please contact Customer Service or your Personal Banker to begin the enrollment process. After a Business Mobile Deposit Agreement has been signed and processed, you will be able to access Business Mobile Deposit on CVCB s Business Mobile Banking. January 2018 Merger Information Guide: Business Online Banking Page 21

23 estatements 132. What are estatements? estatements are an electronic version of your monthly account statement. You can sign up electronically for estatements, free of charge! 133. How do I sign up for estatements? Once you log in to CVCB s Business Online Banking system, click on the Statements link under the Accounts tab and follow the estatements enrollment process. NOTE: In order to complete the enrollment verification process, your computer will need to be able to download Adobe PDFs. In the enrollment process you will be asked to open a sample PDF and extract the code before the enrollment can be completed. If you do not have Adobe PDF reader, a link to download Adobe PDF reader will be provided at the time of enrollment Which accounts can I enroll in estatements? estatements are available for all Checking, Savings, Money Market and Loan accounts How many months of estatement history will be available? Historical statements will be available after 3/1/18. If you anticipate needing access to these statements during this time, we recommend that you save/print them prior to 2/9/ How long after I sign up will I begin receiving estatements? Please allow up to one statement cycle to discontinue paper statements. Your statement cycle cutoff date will remain the same. Paper statements and estatements follow the same statement cycle. See page 3, question #11 for statement cycle dates Can I receive both paper and electronic statements for the same accounts? No, you will be asked to choose one or the other. You will be able to view, print, and save your online estatements to a proprietary computer How will I know when my estatement is ready to be viewed? Each month you will receive an alert indicating your estatement is available for viewing. Alerts will be sent to the designated address on file. You must have a valid address to receive estatements. Stop Payments 139. Can I place a Stop Payment on a single check within CVCB s Business Online Banking system? Yes, a Stop Payment on a single check may be placed. The Stop Payment request will be effective for six months. NOTE: Stop payments can be reduced by $10.00 if completed through Online Banking Can I place a Stop Payment for a range of checks? Although the CVCB s Business Online Banking system allows Stop Payment requests to be submitted on a range of checks, this request will not be processed by the Bank. If you need to place a Stop Payment on a range of checks, please call Customer Service at (800) Accounting Software Information 141. Is CVCB s Business Online Banking system compatible with other accounting software systems (i.e., Quicken or QuickBooks)? CVCB s Business Online Banking system is compatible with both Quicken and QuickBooks. Please refer to the Folsom Lake Bank Merger Information page located on select the Business Online Banking Information tab, and review the Financial Accounting Software Guides section for Quicken and QuickBooks users. For all other accounting software packages, please contact the vendor of your product for complete instructions on compatibility and conversion steps. Page 22 Merger Information Guide: Business Online Banking January 2018

24 System Administrators 142. What is a System Administrator? A System Administrator manages the operations of your Business Online Banking What rights does a System Administrator have access to? System Administrators have access to all accounts and functionality within the Business Online Banking system, as well as administrative functions such as adding and deleting users and resetting passwords. They are also able to make changes or add/delete online services and accounts for other users Who will be the System Administrator on CVCB s Business Online Banking system? You will receive a phone call from a Central Valley Community Bank Cash Management Representative asking you to identify the individual who will have administrative access to your account. The individual you authorize will be the system administrator once accounts are converted to CVCB s Business Online Banking system. Please contact Customer Service at (800) , if you want this changed. One-Time Pin (OTP) 145. What is a One-Time PIN (OTP)? An OTP is a required numeric code that is delivered to you within seconds via text, voice or , providing an additional layer of protection to safeguard certain Business Online Banking transactions and sensitive information What transactions will require an OTP? The OTP will be required when submitting ACH Credits and outgoing domestic and international Wire Transfers for processing from Business Online Banking. It will also be required when a company system manager adds/modifies a user profile How does the OTP work? After enrolling, when submitting a transaction that requires an OTP, the user will be prompted to generate the OTP which will be sent to their preferred delivery option (text, voice, or ). Within seconds, the time-sensitive OTP will be delivered and once correctly entered into the system, the transaction will move forward. NOTE: OTPs are valid for 10 minutes. If you are unable to enter the OTP within 10 minutes, a new one may be regenerated up to two more times Where can I go if I have questions or need assistance? Our Customer Service team is available to assist you Monday through Thursday, 8:30 a.m. to 5:00 p.m., and Friday from 8:30 a.m. to 5:30 p.m. at (800) or customerservice@cvcb.com, beginning Monday, 2/10/18. January 2018 Merger Information Guide: Business Online Banking Page 23