START BANKING EVEN BETTER. Welcome to IDB ’s advanced cash management system, IDB Access. Our comprehensive online toolkit makes it easier than ever to manage your funds. Set up your account today and have access to real-time account information, flexible reports, multiple convenient payment options, security tools and fraud protection. These products work together to provide you with a greater level of control and efficiency over your accounts, all at your fingertips.

Getting started is easy: Learn all you need to know to become an online banking expert. Our demos will guide you through every resource available in your new toolkit. Go online to learn more about IDB Access at www.idbcashmanagement.com, and see what makes our online banking so much better.

A SERVICE OF IDB BANK.®MEMBER FDIC Discover our powerful new cash management system.

What is IDB Access? IDB Access is our set of online cash management products and services that allow clients 24x7 access to their accounts. Depending on the type of account, clients can view account information, easily move funds, and electronically deposit checks, plus initiate stop payments, wire transfers, and ACH transfers.

How do I sign up for IDB Access? Contact Discount Bank to learn how to sign-up for this service. We will work with you to establish the appropriate plan and service levels for your individual needs. Access IDs and passwords will be sent to you once your enrollment applications have been approved and your account setup is complete.

How long is transaction information available with IDB Access? You have up to 6 months to view and/or export the information.

Can I download my business account history into financial management software? Yes, information from your checking, savings, and loan accounts can be downloaded to your computer, and then imported into a variety of software applications.

Can I transfer funds from/to other financial institutions? Yes, depending on the package of services selected, you can initiate a wire transfer, or originate an ACH funds transfer.

As a business customer, can I approve the transfer of funds initiated by employees? Yes. With IDB Access you can define access levels and set transfer limits for each employee-user for all types of fund transfers including ACH, wire transfer, and transfer of funds between your accounts held at IDB.

Linda Weber, SVP Jessica Perez, VP Cash Management Cash Management (212) 551-8718 (212) 551-8051 [email protected] [email protected]

Headquarters Branch Offices 511 Fifth Avenue, , NY 10017 NEW YORK 9401 Wilshire Boulevard, Suite 600, Harbour Centre, 18851 NE 29th Avenue, Beverly Hills, CA 90212 Suite 600, Aventura, FL 33180 Tel. (800) 517 3183 1350 Broadway, New York, NY 10018 Tel. (310) 860-6320 Tel. (305) 682-3700 Tel. (212) 714-5660 888 South Figueroa Street, Suite 550, 201 Edward Curry Ave., Suite 204, Los Angeles, CA 90017 Staten Island, NY 10314 Tel. (213) 861-6440 Tel. (718) 698-4892

A SERVICE OF IDB BANK.®MEMBER FDIC