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PROPOSAL FOR BANKING SERVICE BANK &WEST <br />ACH POSITIVE PAY <br />ACH Positive Pay is a web -based security tool that prevents unauthorized ACH transactions <br />from posting to the City's account. It has an easy -to -use web interface that gives the City the <br />opportunity to review incoming ACH credit and ACH debit "exceptions", and to make a "pay" or <br />"return" decision online. The many benefits include: <br />• Fraud Mitigation — Monitor and manage ACH credit and debit items before transactions <br />are posted to accounts. <br />• Security — Advanced online security features help reduce the possibility of unauthorized <br />access. <br />• Convenience — Provides the convenience of setting up filters to permit previously <br />authorized ACH transactions to post without having to be reviewed. <br />• Notifications — Set up alerts regarding specific ACH activity that may affect your <br />accounts. <br />BANK AT WORK <br />Bank of the West Rewards Your Employees! <br />Bank of the West is pleased to extend our Bank at Work program to all full and part-time <br />employees of the City. This program is free to the City and offers free and discounted products <br />and services to your active employees while Bank of the West is your primary bank. Bank at <br />Work features include: <br />• Free Checking — No monthly service charge or minimum balance requirement on a <br />personal checking account with Check Safekeeping <br />• Free Regular Savings account when linked to a checking account — No monthly service <br />charge or minimum account balance required <br />• Free eTimeBanker — our online banking service — with free personal Bill Pay <br />• Free Debit Card — The easiest way to pay for purchases <br />• Free box of Bank of the West corporate image checks or $5.00 off any wallet style <br />checks <br />• Annual fee waived for the first year on Overdraft Protection <br />• 0.25% Annual Percentage Rate reduction on Home Equity and Auto Loans with <br />automatic loan payment from a Bank of the West checking account <br />• 1% Annual Percentage Rate reduction on your new Home Equity Line of Credit with <br />automatic payments from your Bank of the West checking account <br />23'Page <br />