Here for you and your business. - Sandy Spring Bank

Here for you and your business.

Getting started with ebiz? Online Banking, Mobile Banking and ACH services.

Take a look inside and if you have any questions along the way, call 866.867.1570. We'll have answers for you.

Welcome!

This guide is designed to help make your transition from Revere Bank's online platform to Sandy Spring Bank Business Online Banking (ebiz), Mobile Banking and ACH services smooth and straightforward. We've included detailed instructions, key dates and any actions you may need to take, so you're ready to get started as a Sandy Spring Bank client on August 17, 2020. Please take some time to review this guide and let us know if you have any questions or need assistance. Where to find what you need: ebiz Online Banking ? pages 3-5 Mobile Banking ? page 5 ACH services ? pages 6-7

Go to welcome and click the ebiz preview link between July 27 and August 13 to preview ebiz Online Banking.

2 ? Welcome

ebiz: A powerful cash management tool that works overtime for you

With ebiz you can: ?View balance and transaction history ?View and save account statements ?See images of paid checks, deposits and deposited items ?Transfer funds among your Sandy Spring Bank accounts ?Electronically send stop payment requests ?Pay bills at no charge ?Export data and download information to accounting software such as QuickBooks? and Quicken? ? Gain access to Direct Connect and Web Connect through Quickbooks ?Protect your accounts with Positive Pay Preview ebiz ahead of the transition. You'll be able to preview ebiz between July 27 and August 13. This is an actual production version where much of your online banking information from Revere Bank will be available for review, and where the Primary Administrator from your organization can: ?Go through the first login and Step Up Authentication

(see pages 4-5 for more on our ebiz login procedure) ?Verify that all secondary users have converted and add new users ?Ensure all user profiles have accurate mobile phone numbers

Please note: users with inaccurate phone numbers won't be able to login to ebiz ?Assign user entitlements including service and account assignments ?Update ACH and Wire templates with any changes made on the Revere platform during this

3 week preview period

ebiz ? 3

Logging in to ebiz for the first time.

See your personalized ebiz Guide for details.

View our privacy policy. Visit our home page!

View our privacy policy. Visit our home page!

Additional dates to keep in mind.

Monday, August 10 ? Last day to enroll accounts for eStatements on Revere Bank online banking Prior to Monday, August 10 ? P rint your eStatement history, Bill Payment history and Positive Pay outstanding check issues from

Revere Bank Online Banking to keep as back up ? Also, print transfer instructions for scheduled and recurring account transfers, if needed Friday, August 14 ? Bill payment will no longer be available on Revere Bank online banking beginning at 8:00 a.m. ? Revere Bank online banking, including mobile banking, will no longer be available beginning at 3:00 p.m. Monday, August 17 ? ebiz will become available beginning at 9:00 a.m. ? Re-establish e-bills on or after this date; they will not automatically transfer over Tuesday, August 18 ? Certificate of Deposit information will become available ? Loan account reporting will become available Thursday, August 20 ? Bill Payment history will become available

4 ? ebiz

Enhanced security for online banking.

Sandy Spring Bank uses Advanced Login Authentication (ALA) as part of the online banking security procedure. ALA helps to reduce the risk of fraud by using Device Profiling and Step Up Authentication in addition to the login credentials described on page 4.

?Device Profiling ? This automatically takes place at every login for every user. If the Company ID and User ID are correct and the system recognizes the access device, login proceeds to the Password screen.

?Step Up Authentication ? If the system doesn't recognize the access device, Step Up Authentication occurs. A onetime security code is sent to one of the user's valid phone numbers recorded for their account. Once the security code is entered, login proceeds to the Password screen.

Please note: current phone numbers required ? Every user must maintain current phone contact information on their ebiz account. (See screen shot to the right.) Without a valid phone number, the user can't respond to the request for a security code and the login can't be completed. At this point, the user will have to contact their Primary Administrator or the Commercial Business Center at 866.867.1570 to update their phone number.

My phone number is not listed

Accessing Mobile Banking

Use our Mobile Banking app to bank anytime, anywhere that's convenient for you: ?Deposit checks ?View account balances and transactions ?Transfer funds among Sandy Spring Bank accounts ?Pay bills ?And more

Get started on Monday, August 17. ?Make sure you're enrolled in ebiz Online Banking and entitled

to use the service by your company's Primary Administrator ?Ensure you have an up-to-date mobile phone number on your

Profile record in ebiz ?Recommended: Go to the App Store? (for Apple? devices)

or Google PlayTM (for AndroidTM devices) and download our app--Sandy Spring Bank ebiz Version ?Once downloaded, follow the steps to enroll in Mobile Banking

ebiz/Mobile Banking ? 5

Using ACH services

ACH services will be available beginning at 9:00 a.m. on August 17. If your company sends both ACH credit and debit entries to the bank, you must use a different Company ID for each type of entry.

For example, if you use your tax identification number preceded by the number 1 (e.g. 1520111111) to send credit entries, you can send your debit entries with your tax identification number preceded by a different prefix (e.g. 9520111111).

ACH Credit Origination. If your ACH credit entries are pre-funded at Revere Bank, they must also be pre-funded at Sandy Spring Bank. Pre-funding means we'll immediately verify the availability of funds in your funding account when you originate a file.

View your ACH limits

?If you use File Import service (referenced as File Upload in ebiz) to deliver ACH entries, please follow these steps prior to sending the file through ebiz to ensure it can be processed:

1.Check your ACH settlement account to be sure there's a sufficient available balance to settle the total dollar amount of the entries on the ACH credit file. Please note: You'll no longer receive a message from online banking if sufficient available balances aren't in your settlement account.

2.Remove the off-setting ACH debit transaction from the file (unbalanced file). This is a change you must make through your in-house system that creates the ACH credit file (this change should be made after August 17). The off-setting transaction is an ACH debit at the end of your batch of ACH credit entries and is for the total amount of all of the credit transactions in the batch.

3. On or after August 17, update your File Header Record to reflect the Sandy Spring Bank name and routing number as shown in the chart below.

Field Position Length Contents

Data Element Name

3 04-13 10

b055001096

Immediate Destination; b=blank

4 14-23 10

b111111111 (insert your unique company id)

Immediate Origin; b=blank

11 41-63 23

Sandy

Immediate

Spring Bank Destination Name

12 64-86 23

ABC Company

Immediate Origin Name

Send money using an existing ACH template

If you need assistance with step 2 or step 3, contact the department within your organization that creates the file (such as your Payroll department if the file is for Direct Deposit) or call 866.867.1570.

?If you use an ACH template to deliver ACH entries, just follow the first step above to ensure your file is processed.

Dates to keep in mind.

6 ? ACH

?August 14 is the last day ACH entries can be sent through Revere Bank online banking ?Entries submitted during the week of August 10 must have settlement dates on or before August 14 ?If you have a Direct Deposit payroll file with a pay date of August 14, we recommend you submit the ACH

payroll credits through Revere Bank on August 12 Continued protection against ACH Debit Fraud. ACH Debit Block ? If you currently use this service to protect your account at Revere Bank, you'll have the same protection at Sandy Spring Bank beginning August 17. ACH Debit Filter ? If you currently use this service at Revere Bank, the rules you have established to determine if an ACH debit is authorized will transfer to ACH Positive Pay at Sandy Spring Bank beginning August 17. If no rules exist for an account, any ACH debits that are received will be presented as suspects for your review. The timeframe to review suspects is 9:00 a.m. ? 5:30 p.m. Any suspects not resolved by 5:30 p.m. will be handled based upon your current default decision. ACH Processing Schedule. Cutoff for same-day settlement entries with a current day and a valid effective entry date: 12:00 p.m. Cutoff for entries with a one- to two-day future and a valid effective entry date: 6:00 p.m. All ACH files received after the service cutoff time will be delayed by one business day. All effective dates referenced are considered business days, defined as Monday through Friday, excluding the following federal holidays: New Year's Day, Martin Luther King, Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, Christmas Day. For Direct Deposit of payroll files, please note: To ensure payroll credits are available to employees at the opening of business on the effective entry date ("payday"), it's recommended that direct deposit of payroll files be sent two (2) business days prior to the effective entry date. Please be sure to take into consideration the bank holidays listed above. If the bank has required pre-funding for ACH credit entries, available funds must be in your settlement account when the payroll file is sent to the bank or the file will not be processed. Sandy Spring Bank will consider entries received when transmission is complete and confirmed through the ACH History Report, available to you in ebiz.

Have questions about pre-funded ACH credit origination? Call 866.867.1570 to get answers.

ACH ? 7

Preview ebiz Online Banking

Go to welcome and click the ebiz preview link between July 27 and August 13.

If you have any questions, call 866.867.1570.

5483

Sandy Spring Bank, the Sandy Spring Bank logo and ebiz are registered trademarks of Sandy Spring Bank. App Store and Apple are registered trademarks of Apple Inc. Android and Google Play are trademarks of Google LLC.

All other trademarks are the property of their respective owners. ?2020 Sandy Spring Bank. All rights reserved. Member FDIC

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