First Interstate Bank’s Business Online Banking

CLIENT CONVERSION GUIDE

New Clients from Bank of the Cascades

Impor tant Dates and Times

• Your Bank of the Cascades business online banking access will continue until 5 p.m. MDT/4 p.m. PDT on Friday, August 11, 2017.

• Your First Interstate Bank Business Online Banking will become available at 8 a.m. MDT/7 a.m. PDT on Monday, August 14, 2017.

• There will be no access to online banking between 5 p.m. MDT/4 p.m. PDT August 11, 2017 and 8 a.m. MDT/7 a.m. PDT on August 14, 2017.

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WELCOME TO BUSINESS ONLINE BANKING

TABLE OF CONTENTS

Important Dates and Times 1

Accessing Your New Account 3

Navigating Business Online Banking 4

Business Mobile Banking (App) 11

Navigating Business Mobile Banking 12

Welcome to First Interstate Bank’s Business Online Banking

We’re excited to welcome you as one of our newest clients! To help ease your transition from Bank of the Cascades to First Interstate Bank, we’ve created this user guide to help you navigate Business Online Banking. This guide will address the following topics:

• Accessing Your New Account

• Adding Users

• Navigating Business Online Banking

• Additional Services

• My Settings

• Troubleshooting

• Business Mobile Banking (App)

As a current business online banking user at Bank of the Cascades, you will be automatically enrolled in First Interstate Bank’s Business Online Banking on August 14, 2017. To ensure your automatic enrollment is successful, please confirm your email address and phone number are accurate within your Bank of the Cascades business online banking account prior to August 11, 2017.

If you have questions about logging into Business Online Banking after August 14, 2017, please visit your local branch or call our Client Contact Center at 1-855-342-3400. Treasury Support representatives are available Monday-Friday, 8 a.m. to 6:30 p.m. MDT (7 a.m. to 5:30 p.m. PDT).

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Fur ther Communication

As conversion approaches, First Interstate Bank will send additional communication regarding Business Online Banking. Please be sure to download/print documents and history from your Bank of the Cascades business online banking system prior to August 11, 2017.

ACCESSING YOUR NEW ACCOUNT

Prior to August 14, you will receive two emails with instructions on how to log into your new First Interstate Bank Business Online Banking account. One email will contain your username, and the other will contain your temporary password. During your first login, you will be prompted to change your password. You can also change your username. See the section titled “Login and Security” on page 9 of this guide to learn more.

Only Business Administrators will automatically convert to First Interstate Bank’s Business Online Banking. All other users will need to be added to the system manually. Detailed information regarding how to add users, as well as support available to assist you with this task, will be forthcoming. See the section titled “Manage Users” on page 6 of this guide to learn more.

Logging Into Business Online Banking

To access your new Business Online Banking account (after you update your login credentials received via email), simply visit firstinterstate.com. Click the “Login” link in the upper right hand corner; you will see a login screen. In the top box, select “Online Banking;” enter your username and password then click “Sign In.”

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Once you are logged into Business Online Banking, you will be automatically directed to the “My Accounts” page. This home page serves as your main portal, providing snapshots of account balances, quick links to approve payments, templates, and users, and other items, such as a calendar and a calculator. The menu in the upper left of the screen will serve as your main navigation throughout Business Online Banking. Please review the following pages for details on each of the menu options and account features available through Business Online Banking.

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NAVIGATING BUSINESS ONLINE BANKING

MY ACCOUNTS

The “My Accounts” tab shows you just that: information on each of your accounts with First Interstate Bank. You can click on the “Quick Peek” option next to each account to view current balance information as well as transactions from the last five days. Links to detailed information on each of your accounts are indicated in orange text. To view more information for each account, simply click the link. You’ll be directed to an “Account History” page, which lists your recent transactions. You’ll even be able to see check images.

For businesses with dual control, approval is required when an Automated Clearing House (ACH) file or wire payment is initiated, when an ACH or wire template is created/edited, and when a Business Administrator adds/edits a business user. For single administrator businesses, approval is not required (the approval widget displays but is not used).

MOVE MONEY

The “Move Money” tab gives you options to move money between your First Interstate Bank accounts (internal transfers) or make external transfers.

Internal TransfersWith internal transfers, you can easily move money from one First Interstate Bank account to another, or pay on your First Interstate Bank loans by transferring money directly from your account. Simply click on the “Internal Transfers” option from the “Move Money” menu and follow the instructions. You can even establish recurring transfers at intervals of your choosing. Once established, a list of scheduled transfers can be viewed from the options on the “Move Money” tab.

External TransfersIf you have access to external transfers, you have the ability to transfer money to/from First Interstate and accounts at another financial institution by sending an ACH or domestic wire. Businesses with ACH access have the ability to send/collect money from individuals or businesses at First Interstate or at other financial institutions. Businesses with wire access have the ability to send domestic and/or foreign wires.

Business clients can make a payment (via ACH or wire), collect a payment (via ACH), or upload an ACH pass-through file using “Make/Collect a payment” under the “Move Money” tab. Clients can use existing templates once they are built or make a one-time payment. Monthly limits are also displayed on this screen.

Businesses that use third-party software to build ACH files can send them using the “Upload ACH pass-through file” option under the “Move Money” tab. Note: Businesses with foreign wire capability will be able to send money via Western Union using a link within Business Online Banking.

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ADDITIONAL SERVICES

We know life is busy. Sometimes, it is easier to go online to handle your banking as opposed to visiting a branch. That’s when this tab becomes especially important! Following are the options available under the“Additional Services” tab:

Manage UsersPrimary and secondary administrators are set up by First Interstate Bank; however, all other users must be added at the client level. Permissions for these users can vary. You have the ability to modify account-specific access, as well as set transaction limits for ACH and/or wires, if applicable. Note: User limits cannot be higher than client limits.

Bill PayI-Payables, our business online bill payment solution, is a great way to reduce your financial paper trail by eliminating paper checks and even paper statements. Simply select “Pay Bills” under the “Additional Services” tab and you’ll be redirected to the I-Payables business online bill payment portal. From there, you can pay bills as well as review your bill payment history. When paying a bill online, please note that funds will not be withdrawn from your account until the payment is processed or received by the payee.

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ADDITIONAL SERVICES (continued)

Payees and PaymentsIf you use business bill pay at Bank of the Cascades, your payees and recurring or scheduled payments should automatically convert to your new First Interstate Bank bill pay profile and will be available starting August 14, 2017. You will need to manually add any payees or recurring payments that do not automatically transfer to your new online banking profile. For your convenience, we suggest you download/print a list of scheduled payments to verify after the conversion.

Bill Pay HistoryYour Bank of the Cascades business online bill pay history will not convert to First Interstate Bank. We recommend you download/print a copy of your bill pay history from your Bank of the Cascades business bill pay system prior to August 11, 2017.

Integrated Online StatementsTo access online statements, click on “Integrated Online Statements” under the “Additional Services” tab. Select the account and month to view. Click on the PDF document to view and/or print the statement.

If you currently receive electronic statements for a business checking and/or savings account, you will continue to receive these statements electronically. All other electronic statements or notices will not transition to First Interstate Bank. We recommend you download/print a copy of statements and/or notices from your Bank of the Cascades business online banking system before August 11, 2017.

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ADDITIONAL SERVICES (continued)

Stop PaymentNeed to put a stop payment on a paper check? Place it online instead of going to the branch and save money.

Alerts and NotificationsControl how and when you receive notifications about your First Interstate Bank accounts. Simply click on the “Alerts and Notifications” option and follow the on-screen prompts. Any existing alerts will NOT transition to First Interstate’s Business Online Banking platform; however, most alerts can be re-established beginning August 14, 2017. Email alerts and push notifications are available. Do not disturb options are not yet available.

Note: It’s less expensive to place a stop payment on a paper check via online banking ($17.00) than it is at the branch ($29.00)

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MY SETTINGS

“My Settings” allows users to manage their Business Online Banking information and preferences, including:• Personal Information• Username and Password• Security Settings

Personal InformationThe Personal Information section allows a user to update his/her primary email address. This email address is used to contact users with important information and notifications about Business Online Banking accounts. Approval notifications are also sent to this email address.

Login and SecurityThe Login and Security section allows a user to update his/her username and password. Users may also update the phone number(s) used to confirm their identity if the device being used to access Business Online Banking is not recognized. Cell phones may be text enabled. If desired, users can receive one-time security codes via their primary email address.

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MY SETTINGS (Continued)

Other SettingsOnly primary and secondary administrator(s) will see the “Rename & Hide Accounts” option. This allows administrators to nickname accounts, making it easier to decipher between accounts within Business OnlineBanking.

Users also have access to Alerts & Notifications in this section. Alerts & Notifications can also be accessed under the “Additional Services” tab.

Troubleshooting

If you have issues with Business Online Banking, please call our Client Contact Center at 1-855-342-3400 for assistance. You may also use some of the features within Business Online Banking to troubleshoot on your own.

• Want to change your username, password, or security options? Select the “My Settings” link in the upper right hand corner. You are also able to update your email, rename and hide accounts, and modify alerts and notifications from this page.

• Need more assistance? The “Support” link in the upper right hand corner will provide the Client Contact Center phone number as well as a link to send a secure email. For more options, click the “Support Center” link at the bottom of the webpage.

• Not sure if your computer is compatible with Business Online Banking? Click the “System Requirements” link at the bottom of the page to view accessibility and system requirements.

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To utilize First Interstate Bank’s Business Mobile Banking, you must first be enrolled in Business Online Banking. You may start using Business Online and Mobile Banking on Monday, August 14, 2017.

With First Interstate’s Business Mobile Banking app, you are able to view account balance(s) and transactions, transfer funds between First Interstate Bank accounts, pay bills, and deposit checks—all from your mobile device. To download, simply visit your app store and look for the “First Interstate Bank Business Mobile Banking” app.

BUSINESS MOBILE BANKING (APP)

Logging Into Business Mobile BankingOnce you’ve downloaded your new First Interstate Bank Business Mobile Banking app, logging into Business Mobile Banking is simple. When you log into Business Mobile Banking for the first time, on or after August 14, 2017, your username will be the same as your Business Online Banking username. After your initial login, you may choose to login in one of the following ways:

Eyeprint ID (iPhone®, iPad®, and AndroidTM)

Eyeprint ID delivers a password-free, biometric login experience for mobile devices. This patented solution uses your smartphone’s camera to image and patternmatch blood vessels in the whites of the eye, making the authentication process quick and easy. To enable Eyeprint ID, access the “Settings” menu within the Business Mobile Banking app. First-time use will require a brief setup process.

Touch ID (iPhone®, iPad®, and AndroidTM)

Touch ID is a simple, secure way to access Business Mobile Banking using built-in, fingerprint sensor technology instead of traditional login credentials. After your initial login with your username and password, you will receive an automatic prompt asking if you would like to use Touch ID to login. If accepted, you will be able to login using your fingerprint the next time the Business Mobile Banking app is opened.

Business Online Banking Credentials

You may, of course, choose to log into the Business Mobile Banking app using the username and password you have established for Business Online Banking.

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Navigating Business Mobile Banking

First Interstate’s Business Mobile Banking app allows you to accomplish your most important banking tasks with just a couple taps. This section highlights the main functionality of Business Mobile Banking.

VIEW ACCOUNTS

Access the same accounts (deposits and loans) that are available in Business Online Banking. For your protection, account numbers are masked to only show the last four digits.

The current balance of each account is prominently displayed; available balance is the secondary balance displayed. If available, loan accounts show balances and payment due dates.

Tapping directly on any of the accounts takes you to the “Account History” page for that account. From this screen, you can view available balance, current balance, as well as pending and posted transactions. The “Account History” screen automatically loads history as you scroll.

TRANSFERS

Need to move money from one First Interstate Bank account to another? It’s easy. Select “Transfer” from the main menu, then choose the accounts you want to transfer money to/from by tapping on that area. Then, enter the amount of the transfer. Once you tap the “Transfer” button, you will be asked to confirm the transaction. Once the transfer is confirmed, you will see a “Success” message.

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APPROVALS

In Business Mobile Banking, it’s convenient to manage pending approvals for payments, templates, and users. Only Business Administrators and users with approval access will see “Approvals” in the menu.

MANAGE USERS

Primary and secondary administrators can manage users within Business Mobile Banking. They can approve/decline access to Business Online Banking for these users, as well as place users on hold (for example, if a user will be out of the office for an extended period of time).

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PUSH NOTIFICATIONS

Within Business Mobile Banking, you have the ability to establish push notifications. These reminders notify you when you have a large withdrawal, low balance, loan payment due, etc. These notifications show on your phone’s home screen and are separate from the alerts and notifications established within Business Online Banking, which are sent via email.

MORE

You can also manage alerts and settings within Business Mobile Banking. There are links to view branch locations, visit our website, as well as contact First Interstate Bank with questions.

Note: As an extra security measure, First Interstate Bank utilizes multi -factor authentication when you login from an unrecognized device. When this occurs, you will be presented with the option to receive an authentication code via text message or phone call. Af ter selecting your preferred option, follow the instructions to complete the authentication process.

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