Borel Private Bank & Trust Company

1. What is borelonline?

borelonline allows you to use a personal computer and telephone line (modem) to perform many banking transactions via the Internet, including viewing your account balances, transferring money between your Borel Private Bank & Trust Company accounts, paying bills, and more.

2. How much does borelonline and/or Bill Payment Cost?

Both products are free of charge.

3. How do I sign up for borelonline?

If you currently have a Borel Private Bank & Trust Company checking account, you have two ways to sign up. For your security, we will identify you prior to providing access.

1. From our Web Site at www.borel.com:

a. Locate the Online Banking section of Borel’s Homepage and click on “Enroll Now”, then click on borelonline from the drop down menu and complete the enrollment form online. Print the form, sign it, and fax it to Borel Private Bank & Trust Company, Attention: Customer Service at 650-378-3774.
b. Contact Customer Service at 650-378-3770 to obtain your User ID and a temporary password. Customer Service is available between 8:30 a.m. – 5:00 p.m. PST Monday through Friday, excluding bank holidays.

2. Stop by the bank and visit our New Accounts or Customer Service Departments to request this service.

If you do NOT currently have a Borel Private Bank & Trust Company checking account:

Please visit Borel Private Bank & Trust Company, located at 160 Bovet Road in San Mateo and open an account. You can sign up for borelonline at the same time and it will be ready for you to use within one business day. Our lobby hours are between 9:00 a.m. – 4:00 p.m., Monday through Friday, excluding bank holidays.

4. How long must I wait to use borelonline after signing up?

borelonline access will be available to you within the same business day if you request this service before 1 p.m. on a regular business day. Access will be available within one business day if the service was requested after 1 p.m. on a business day or on a weekend or holiday.

Note: If you signed up via the Online Enrollment Form, you must contact the bank to obtain your User Login ID and temporary password before you can access borelonline.

5. How do I log onto borelonline for the first time?

From the Online Banking section on our Homepage, www.borel.com, click on “Log on”, select borelonline from the drop down menu and then follow the steps below.

1. Click Sign-On and then enter you Login Id and temporary password the bank issued you. Do not change your password at this time. Click the Submit button.

2. Complete the “Customer Information” screen. Click the Submit button.

3. You must now change your temporary password at this time. Please keep the following in mind when selecting your new password:

Your password must be five to ten digits in length.

For a more secure password, we suggest using a combination of upper and lower case letters, numbers and/or hyphens.

Do not make your password something easily determined by unauthorized individuals. The bank strongly suggests using a combination of two words with numbers. (Example: 2Redhat). This is an example only and should not be used as your actual password.

How do I change my password?

You can change your password any time you log on to borelonline. Simply click the “change password” box on the Log in screen, then follow the directions below.

Your password must be five to ten digits in length.

For a more secure password, we suggest using a combination of upper and lower case letters, numbers and/or hyphens.

Do not make your password something easily determined by unauthorized individuals. The bank strongly suggests using a combination of two words with numbers. (Example: 2Redhat). This is an example only and should not be used as your actual password.

What if I have problems with my password?

Call Customer Service at 650-378-3770 between 8:30 a.m. and 5:00 p.m., PST, Monday through Friday, excluding bank holidays. The representative can reset and issue you another temporary password.

6. What accounts can I access using borelonline?

You can access any checking or savings account, certificate of deposit or loan you have at Borel Private Bank & Trust Company for which you are a signer. Note: Accounts with special signing restrictions and/or requirements will restrict borelonline capabilities.

7. How do account transfers work?

Transfers requested before 1 p.m. on a regular business day will be processed the same day. Transfers requested after 1 p.m. on a business day or on a weekend or bank holiday will be processed the next business day.

8. Can I transfer funds to and from any account or loan?

Account transfers are allowed to and from most checking and savings accounts for which you are an owner or an authorized signer on the account.

The following are exceptions to the transferring of funds feature:

IRAs, Certificates of Deposit and accounts with special signature requirements and/or restrictions.

Loans and Lines of Credit are limited to “transfer to” transactions (payments). You cannot advance loan funds from these types of accounts.

9. Can I use Quicken or Microsoft Money with borelonline?

You can export histories of posted transactions from borelonline to your Quicken or Microsoft Money. Please refer to the Help icon “?” which is located on the Export screen within the main History menu.

10. How much history is maintained on my accounts?

Starting from the day you sign up for borelonline, you can view 45 days of account activity.

11. How far back can I go to look at monthly account statements?

You can view and print your monthly checking or savings account statements beginning with July 2000 statements. Simply select the month you want to view.

12. Can I establish one borelonline service both for my personal and business accounts?

You may use borelonline for both your personal and business accounts. Small business owners can also link their personal and business accounts under one Login ID.

We also offer Cash Management for Business which is a tool that can help business owners better manage their cash flow. It has features specifically designed to meet the needs of your business. Please ask our New Account or Customer Service Departments for more details.

USING THE BILL PAYMENT SERVICE

1. How do I sign up for borelonline Bill Payment Service?

You can sign up for the Bill Payment Service at the same time you sign up for borelonline.

To establish your borelonline and Bill Payment service, use one of the following three options:

1. From the Online Banking icon on our home page, click the enroll option, and click on borelonline from the drop down menu.

a. Complete the enrollment form and choose the “Bill Payment” option.
b. At your earliest convenience contact the bank either by calling Customer Service (650-378-3770, 8:30 a.m. – 5:00 p.m. PST, Monday through Friday, excluding holidays) or visiting with a New Accounts Representative at our location, so we may personally identify you.

2. Come to the bank and visit one of our New Account or Customer Service Representatives in person to enroll in the Bill Payment service.
3. Call Customer Service at 650-378-3770, 8:30 a.m. – 5:00 p.m., PST, Monday through Friday, excluding bank holidays.

2. How do I start using the Bill Payment Service?

Click on the “Pay Bills” button once you have logged on the borelonline service.

1st Step - Build a “Personal Payee List”
This screen will automatically appear until you have established at least one payee.

1. From the alphabetic list presented, click the first letter of the payee’s name.

2. Search the list for the payee’s name and click on it to default into the name field i.e., say you want to pay Pacific Bell Telephone, you select “P” and scroll down until you find that name, then click on Pacific Bell Telephone to fill in the “Name” field. Select your payee from the “Payee List” whenever possible, to expedite the payment process. Payee’s selected from the “Payee List”, which do not have an asterisk (*) by the letter will be paid electronically within 48 hours of the scheduled payment date.

3. If your payee is not listed, then you’ll manually enter the information about your payee in the space provided. Payees that you enter manually are paid by draft (check) and may take up to eight days for the mailed payment to reach the payee.

4. Fill in account number.

5. Fill in the address.

6. Fill in the “Recurring Payment” information only for those payments that have a set amount and date each month i.e., a loan payment.

2nd Step Scheduling the date and amount for payment
Now you set up the payment date instructions for each payment.

1. Click the smaller “PAY BILL” button to bring up your personal list of payees.

2. Click the box in front of each payee and enter a payment date and amount of the payment.

3. Select the checking account from which you want the payment to be debited.

To ensure your payee(s) receives the payment on time

Schedule all your payments at least eight business days before your bill’s due date if the merchant you are trying to pay is described by the system as “paper draft’’.

If the notation under the merchant’s name says “paid electronically” the payment will normally be transmitted within two business days, and usually posts with the payee within four business days. You can always adjust the lead-time as you observe how quickly a payee posts your payment.

Remember, once you build your “personal payee list”, the notation “paid electronically” or “paid by draft” is displayed by the payee’s name to remind you how the payee is paid.

3. Which of my Borel Private accounts can I use to pay my bills?

Your primary checking account is automatically selected for bill paying debits. However, you may use any checking account listed in the drop-down box for which you are an owner or authorized signer.

Please note: Accounts with special signature requirements and/or restrictions are excluded form Bill Payment access.

4. Who can I pay?

You can make payments to virtually any business or individual located within the United States. Using the borelonline Bill Payment service is no different than writing a check from your checkbook, except that you save postage and check expenses.

5. Is there anyone I should not pay through Bill Pay?

The Bill Payment service should not be used to make payments to settle securities, purchases, payments to interest-bearing accounts, tax payments or court-ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

6. How are my bills paid?

Each day the bank pulls all scheduled bill payments. Your account is debited and the money is sent to the payee one of two ways:

1. Electronically through the ACH system.
Note: Electronic payees are listed in the “Payee listing” without an asterisk (*) by the name.

or

2. By draft (check) with your name listed as the sender, sent via the U.S. Postal Service, to your payee. The drafts are prepared and mailed by Princeton Telecom, our Bill Pay service provider, in Princeton, New Jersey.

Payees that are paid by draft are those that you have to manually enter the Payee’s name, address, etc., or there is an asterisk by the name on the list.

7. When is my account debited for my scheduled bills?

On normal business days, your account is debited at 1:00 p.m. on the scheduled date of payment. This is the “end-of-day” cut off time for borelonline transactions, such as Bill Pay and Account Transfers.

Bill payments (and transfers) entered after 1:00 p.m. on a normal business day will be processed the following business day.
Payments scheduled on a bank holiday or weekends are processed the next business day.

8. Can I schedule recurring payments?

Fill in the information under “Recurring Payments” found at the bottom of the “Add Payee” screen. Enter the date, amount, and frequency of the payment. It will continue to automatically schedule and send the payment at the specified interval until you cancel the recurring payment option.

Note: Payments scheduled on a bank holiday or weekends are processed the next business day.

9. How do I cancel a bill payment or recurring payment?

You can cancel any scheduled bill payment up to 1:00 p.m. on the scheduled payment date by deleting the payment listed on the “Today’s Payment” or the “Future Payment” list. Click on the View Postings button form the main Bill Pay menu and follow the instructions at the bottom of the screen.

10. Can I add, change, or delete a payee?

To add, change, or delete a payee, click on “Modify Payees”, and then click on the appropriate button at the bottom of the screen.
Click on “ADD & PAY” to pay the bill at the time you add the payee.

11. Can I place a stop payment on a bill payment that has already been processed?

If the payment is “electronic”(meaning no paper is involved), we cannot place a stop payment. If the payment is completed by check or draft, a stop payment order may be placed if the check or draft has not been presented for payment. You can determine if a payee is paid “electronically” or by “check/draft” from the notation behind the name on the “Payee List”. If it is paid by draft, please call Customer Service at 650-378-3770 (8:30 a.m. – 5:00 p.m., PST, Monday through Friday), to determine the status of the payment.

12. What are “future payments” on the “View Postings” screen?

These are payments you have scheduled to be paid on a future date. They have not been processed (debited against your account and sent to the payee). A “future payment” can be canceled any time before 1:00 p.m. PST on the scheduled payment date.

13. What is the cut-off time to change or delete pending payments?

The cut-off time is 1:00 p.m. PST on the date the payment is scheduled. If the payment date happens to fall on a weekend or holiday you will have until 1:00 p.m. PST on the next business day to change or delete the payment.

14. What should I do if a payee has not posted my payment or I have received a late bill notice?

First, you should always allow enough time for the payee to receive and post your payment. Remember to allow at least 48 hours for electronic payments and up to eight days for check/draft payments.

If you receive a late notice, and more than enough time was given for the payment, call the payee directly to ensure your payment and late notice did not cross in the mail. If you believe an error has occurred, e-mail the bank with the payee’s name, payment date, amount, account number and telephone number. You can also call Customer Service at 650-378-3770 to research the payment.

15. What happens if I don’t have enough money in my account to cover a Bill Payment? Will I be notified?

If your account has a sufficient overdraft protection line of credit to cover the payment, funds will draw against the line. If funds are not available the payment will be canceled and not processed. If a payment is canceled due to insufficient funds, the Bank will send a “Canceled Bill Payment Notice to your email address. This email will say:

“Your bill payment(s) scheduled for today was canceled due to Insufficient Funds even though you may see this payment in your “Posted Payments listing. If more than one payment was scheduled please refer to your “account history” to see which payment(s), if any, was actually sent out as scheduled. It is your responsibility to reschedule the bill payment for any canceled bill(s). Please contact Customer Service at 650-378-3770 if you have any questions.”

SECURITY ISSUES

1. How safe is my account information?

Please refer to our “Security Statement” for the complete details of our security. Links to our Security Statement can be found at the bottom of the Bank’s Website Home Page and on the first page of the borelonline program.

2. How does Borel Private ensure the safety of my account information?

Borel Private uses the latest security software and hardware to ensure your account information remains safe. With proven encryption, firewalls, and trusted operating systems incorporated into our overall banking architecture, we have made it as secure as possible for authentic transactions to take place over the Internet. Please refer to our “Security Statement” section for the details of our security.

3. What should I do to keep my account information safe?

Your Login ID and Password are confidential and you should exercise care when using them. Don’t make your password something easily determined by an unauthorized individual.
Never lend your Login ID or Password to anyone and never write them on your PC or any computer materials.
Never accept advice from strangers while you are using your Login ID and Password.
Beware of fraudulent request for your password by someone posing as a Bank employee. A Bank employee would never ask for this information!
Never use a “Save Password” feature if offered by your browser. (This is a feature available on Microsoft Explorer 5.0). This would allow anyone who opens your browser access to your account information without needing a password.
Use a browser with 128-bit encryption which provides the highest level of encryption. (Encryption is a method of scrambling information transmitted between you and the Bank.)

4. Where can I find more information about security?

Please refer to our “Security Statement” section for more information on how we keep your banking information safe with borelonline.

5. Can the Bank answer questions about my Internet Service connection or my computer?

Your best source of information regarding any issues you have with your Internet connection is your Internet Service Provider. Their customer service personnel are trained to answer all your Internet connection questions. The same hold true for any questions about your computer. Contact the hardware manufacturer or software company for best results.

6. Can anyone else see my account information?

Your online account information is available only to those with an authorized Login ID and Password. This information is not public.

7. Will an unauthorized person be able to access my accounts with borelonline?

No! Only authorized bank personnel and the signers on an account, using their own Login ID and Password, will be able to access the account.

8. Who is liable, the Bank or me, if a “hacker “ breaks into the system and takes all or some of my money?

Your liability may be limited by a federal regulation (known as “Regulation E”) against “unauthorized transaction” to your accounts. Please refer to the account disclosure information given to you when you opened your account for more details. You may obtain another copy of this disclosure by stopping into Borel Bank during office hours or by calling our New Accounts Department at 650-378-3700, 8:30 a.m. – 5:00 p.m., PST, Monday through Friday.

MISCELLANEOUS INFORMATION

1. How do I contact the Bank if I have a question or comment about borelonline?

If you have any questions, comments, or concerns, call Customer Service at 650-378-3770, from 8:30 a.m. to 5:00 p.m. PST, Monday through Friday.

2. What Internet browsers can I use with borelonline?

You may use Microsoft Internet Explorer (Versions 4.0 or higher) or Netscape Navigator (Versions 4.0 or higher). These browsers support secure transactions over the Internet using Secure Socket Layer (SSL) protocol. If you get an error that has “CGI” in the title when you try to access borelonline, your browser may have its “Java” turned off. You can turn the Java on in the Options or Preferences menu of your browser.

3. Can I use borelonline from outside the United States?

Yes! Just use a secure browser such as Netscape Navigator, or Microsoft Explorer.

4. Do I have access to my account information via the telephone?

Yes! Borel-Tel, our bank-by-phone service provides you with 24-hour, 7 day a week access to account information. Just dial 650-378-3609. You are automatically signed up for Borel-Tel just by being a Borel Bank client.