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Investments, securities and insurance products: NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT A DEPOSIT Please see final page for important disclosure information >> CONFIDENTIAL PROPERTY: These materials are the confidential, proprietary materials of Associated Banc-Corp and its affiliates and subsidiaries. External duplication or dissemination of these materials is strictly prohibited. Associated Portfolio Online (APO) Reference Guide

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Investments, securities and insurance products:

NOT FDIC INSURED

NOT BANK GUARANTEED

MAY LOSE VALUE

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT A DEPOSIT

Please see final page for important disclosure information >>

CONFIDENTIAL PROPERTY: These materials are the confidential, proprietary materials of Associated Banc-Corp and its affiliates and subsidiaries. External duplication or dissemination of these materials is strictly prohibited.

Associated Portfolio Online (APO) Reference Guide

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

APO Reference Guide Trust account access made easy, 24 hours a day, seven days a week.

Table of Contents

Internet Settings/System Requirements .................................................................................................................... 3 System Requirements ............................................................................................................................................... 4

First Time Sign In ....................................................................................................................................................... 5

Subsequent Sign In ................................................................................................................................................... 7

Password Reset/Forgotten Password ....................................................................................................................... 8

Personalized Access ID ........................................................................................................................................... 10

Navigation ................................................................................................................................................................ 11 Overview ...............................................................................................................................................................11

Account List ..........................................................................................................................................................12

Filters ....................................................................................................................................................................13

Show/Hide Summary Sections .............................................................................................................................14

Next Step Options .................................................................................................................................................15

Print/Download .....................................................................................................................................................16 Group Accounts ....................................................................................................................................................17

Portfolio Positions .................................................................................................................................................... 20

Activity (Transactions) ............................................................................................................................................. 22

Viewing Your Statement .......................................................................................................................................... 24

Banner Menu ........................................................................................................................................................... 25 Trading ..................................................................................................................................................................... 26

How to Enter a Trade: ...........................................................................................................................................27

Pending Trades ....................................................................................................................................................30

Downloading Instructions......................................................................................................................................... 31

Help .......................................................................................................................................................................... 34

Contact Us ............................................................................................................................................................... 35 Frequently Asked Questions ................................................................................................................................... 36

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Internet Settings/System Requirements To ensure a satisfactory experience, Associated Portfolio Online (APO) has been certified for use with the following browsers and operating systems:

Internet Browsers Browsers are verified through the two most recent versions available.

Compatible Browsers Compatible Operating Systems

Microsoft® Edge Windows® 10

Microsoft® - Internet Explorer® Windows® 7, 8, 8.1, 10

Mozilla® - Firefox™ Windows® 7, 8, 8.1, 10

Google - Chrome® Windows® 7, 8 8.1, 10

Apple® - Safari® Mac OS X® v10.9 Mavericks Mac OS X® v10.10 Yosemite

iOS iPad 2, 3 and 4

Internet Browser Settings for IE 10 and IE 11 1. The Browser History / Temporary Internet Files cache option should be set to “Every Time” or

“Automatically.” Note: This procedure is not needed if using Safari; the option is currently in place.

2. Allow Cookies.*

3. Allow Pop-Up Windows.

4. Text size set to “Smaller.”

5. Allow “Active Scripting.”

6. Allow “META REFRESH.”

*Computer security software: Some anti-spyware software may delete cookies from the computer. If APO’s cookie is removed, the user may be required to complete the additional security measures upon future log in attempts.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

System Requirements To run Associated Portfolio Online effectively, the following minimum computer standards are recommended (performance issues may arise if computers fall below these minimum recommendations):

Component Standard

CPU Core 2 Duo/Athlon II X2 or higher recommended

RAM 2GB

Video Adapter 1024 x 768 or greater resolution

Additional Software Recommended Microsoft® Excel® 2007 or 2010 Adobe® Acrobat® Reader latest version

Screen Resolution To maximize the amount of data displayed on screens, it is recommended the resolution be set to 1024 x 768 pixels or higher.

Safari Settings If Safari is being used as the browser, follow these steps to assist with keyboard tabbing from field to field within APO:

1. Open the Safari browser.

2. Select the “Safari” tab.

3. Select the “Preferences” option.

4. Select the “Advanced” tab.

5. Select the “Press Tab to Highlight Each Item on a Webpage” checkbox.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

First Time Sign In 1. Go to AssociatedBank.com

2. Select “Sign In” from the Personal drop down

3. Select “Trust Portfolio” from the drop down menu Select “Sign In’

4. On the APO Sign In page, enter your Access ID and Password and select “Sign in”

For assistance, utilize the APO User Guide located on the sign in screen or contact 24/7/365 Customer Care at 800-431-4649 or via the email link.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

First Time Sign In (cont.) First-time users will be prompted to enroll in Secure Sign-On, a service designed to help protect from fraudulent online activity. Secure Sign-On uses multiple layers of security beyond your Access ID and Password to validate the user’s identity before allowing access to any accounts. Secure Sign-On also helps ensure that only authorized individuals can access financial information online, meeting federal guidelines and protecting confidential information.

1. On the Security Enrollment page, complete the required fields of personal information. This information is necessary to validate identity when necessary upon future log in attempts. The user can be assured the information entered on this page is stored in a secure, encrypted environment.

Future log in attempts may require the user to go through additional security measures to verify authorization by calling the user with a security code.

For any questions concerning this step in the process, click on the “FAQ” link located in the upper-right hand corner of the screen.

2. Change the Temporary Password to comply with the following password requirements:

• Must be a minimum of eight characters

• Must include at least three of the four character types below:

− Numeric characters

− Uppercase letters

− Lowercase letter

− Special characters (such as ! # @)

• To keep financial information protected, it is recommended to change the password every 90 days.

3. Accept the APO terms and conditions.

4. Click “Access Your Accounts” to begin accessing account information.

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Subsequent Sign In Once the Secure Sign-On is complete and the user’s computer is registered, future sign ins are fast and easy:

1. Go to AssociatedBank.com.

2. Select “Sign In” from the Personal drop down

3. Select “Trust Portfolio” from the drop down menu Select “Sign In”

4. On the APO Sign In page, enter the Access ID and Password, and click “Sign In.”

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Password Reset/Forgotten Password Option 1: The user can reset a password anytime (24/7/365). After entering the Access ID, click on the “Forgot your password?” link.

Option 2: Call the Customer Care Center at 800-431-4649, available 24/7/365, to reset a password. Customer Care is available 24/7/365 but the system used to reset passwords is only available from 7 a.m. to 7 p.m. Central Time.

How to reset a password from the website:

1. Click the “Forgot your password?” link.

2. Enter your new password and confirm your new password.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Password Reset/Forgotten Password (cont.) One time security code:

Before entering a new password, the user may be required to authenticate his or her identity by entering a one-time security code. The system will provide the code to you via a phone message or text.

1. Select the phone number you wish to be contacted at.

2. Select how you want the security code provided to you (Voice or Text).

Voice: Select “Voice” if you want the security code delivered as a voice message. Answer the call and enter the security code shown on the computer screen by using your phone keypad. Click on “Phone Call Completed” on the computer screen.

Text: Select “Text” if you want to receive the security code as a text message. Enter the security code on the computer screen.

3. Click “Access Your Accounts”.

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Personalized Access ID To create a custom Access ID, follow these steps:

1. Select the Preferences icon from the banner menu.

2. Select “Change Access ID.”

3. Complete the fields shown below.

4. Click “Submit.”

5. Complete the necessary fields to re-enroll in the Secure Sign-on Program.

Secure Sign-on is a service to help protect from fraudulent online activity. It uses multiple layers of security beyond the Access ID and Password to validate the user’s identity before allowing access to any accounts. Secure Sign-on also helps ensure that only authorized individuals can access financial information online, meeting federal guidelines and protecting confidential information.

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Navigation Overview

Hovering over a menu item on the navigation bar allows the user to view and select sub menu options.

Main navigation functions:

• Portfolio: View investments and allocation, gain/loss, equity and fixed income analysis.

• Activity: View a snapshot of year-to-date transaction activity with links to the individual transactions.

• Documents: View, save and print account statements.

• Trading: Trading is available to directed investment management accounts only.

• Tools: Calculate cash flows or download data.

• Links: Easy access to other Associated Online products.

• Group Accounts: Assemble accounts into groups for easy review and management of investments.

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Navigation (cont.)

Account List

The list of accessible accounts will be listed in the Account dropdown box.

To change from one account to another, select an account in the list and click “GO.”

Account Search Some clients have access to a large number of accounts. This search feature allows for a partial search of the account title or account number. A new temporary system group is created within the resulting selected accounts to assist with faster navigation. This group is overlaid when a new search is created or when the website is exited.

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Navigation (cont.)

Filters

The filter area on the page allows customizable views of information.

1. Select the “arrow” icon in front of Additional Filters to show the available items for selection.

2. Populate the fields. The “GO” button will change to green. Select “GO” to update the page.

3. The selection to show or hide will be stored as a cookie on the computer, so when returning to the page, it will display the previous view.

In the example below, the Additional Filters are hidden.

In the example below, the Additional Filters are shown.

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Navigation (cont.)

Show/Hide Summary Sections

Select the “arrow” icon to show information or hide information.

In this example, the filter area at the top has been opened so the data fields can be populated.

Further below, the “arrow” icons have been selected to hide the detail and only show totals.

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Navigation (cont.)

Next Step Options

Some pages include Next Step icons to obtain additional information concerning a selected investment or transaction activity. By selecting the Next Step option, a pop-up window will appear to maintain the user’s place on the page. Examples of Next Steps include Tax Lot Detail, Transaction Activity and Detailed Security Information.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Navigation (cont.)

Print/Download

The page heading may include the ability to download page information into a spreadsheet.

When the Download icon is selected, a pop-up window will launch confirming the download to a Microsoft Excel spreadsheet.

When Print is selected, it will either launch a PDF report or a Browser Print. PDF reports, such as statements, can be printed or saved for future use.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Navigation (cont.)

Group Accounts

The Group Accounts feature was created to assist users with access to multiple accounts.(In previous versions of APO, this was the account Working List feature.)

This functionality allows customization of accounts into groups. The accounts may be viewed on an individual basis or a combined basis and add up to 150 accounts to a group.

For example, a user with access to 10 individual accounts wishes to view them as three groups:

• Group 1: Five grandchildren accounts

• Group 2: Three investment accounts

• Group 3: Two Roth IRAs

To create a group 1. Click the “Groups Accounts” tab.

2. Select “New Account Group” from the Group dropdown menu and click “GO.”

3. The box on the left shows all accessible accounts.

4. Check the boxes of the accounts to put into a group.

5. Click “Add.” This will move the selected accounts to the box on the right.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Navigation (cont.) 6. Click “Save As.”

7. Type in the name of the group and click “OK.”

8. A confirmation message will appear: “Account group has been successfully saved.”

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Navigation (cont.) By selecting the “Group” radio button, the user may now view the accounts based on the created groups. The user is able to navigate through APO by viewing the accounts on an individual basis or a combined basis.

1. Under the Group dropdown menu, your custom account list can be selected.

2. Under the Account dropdown menu, the individual accounts saved in the group can be selected.

3. The “Group” selection will provide a total view of all the accounts in the group.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Portfolio Positions Select the Portfolio tab from the main navigation menu. A sub-menu appears of various options to review an account’s investments.

• Group Summary: For multiple accounts, the Group Summary will total the accounts and provide a market value of Cash Equivalents, Equities, Fixed Income, Other Assets and Total. The information can be viewed for the current date or as of month-end for prior months.

• Positions: The Positions tab provides a list of assets held in an individual account or aggregated for a group of accounts. The page offers four separate and distinct views to incorporate allocation of assets within the account as compared to the market value, income expected or accrued on the holdings; and summarized realized gain/loss information on the holdings.

• Equity Analysis: This page displays a graphical depiction of the equity positions by industry.

• Fixed Income Analysis: This tab provides three data view options: 1) A graphical depiction of the fixed income positions by sector, 2) Maturity Schedule and 3) Maturity Detail, which lists the individual bonds that will be maturing for each year.

• Comparison: The comparison page displays a snapshot of the market value as of one date compared to another date. Detail of the holdings that make up the totals can be viewed by clicking “Detail.”

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Portfolio Positions (cont.) Current Value This is a new feature within the Positions tab. The Current Value tab provides real-time prices of all the marketable stock positions in the account. This allows the user to track the daily fluctuations in marketable stock prices and quickly see the impact it has throughout the day.

Click “GO” to refresh the screen with up-to-date, real-time prices.

Prices are updated for each security type as follows: • Stocks and Exchange Traded Funds – instantly during market hours.

• Mutual Funds – several hours after market close.

• Fixed Income – based on specific pricing schedule of the security.

Time (ET)/Date The Time/Date column display the time or date the price of an asset was last updated. During market hours, for securities that are actively traded on an exchange, this field will display the time that the real-time quote price was retrieved when the page was refreshed in the Internet browser. After market hours, from the close of the market until midnight, this field will display the time of the last real-time quote price received prior to the market closing. After midnight, until the start of the next trading day, this field will display the date of the market close.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Activity (Transactions) The Activity tab provides the transaction activity that has occurred in an account or a group of accounts. Select the “Activity” tab from the top navigation menu. Then select from one of the three sub-menu tabs.

Activity Summary The Activity Summary page displays a year-to-date view of all transaction activity in an account or aggregated for a group of accounts. The page also offers a one-click view to the underlying transaction by selecting the desired transaction category. A pop-up window will display the list of transactions comprising the category total.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Activity (Transactions) (cont.) Activity List The Activity List page allows the user to view a list of transactions that have occurred in the account. The filter area allows the user to select the account, time period and further information to view. Transactions for the last 24 months are available on APO. Both the ticker and security number will be included, where applicable.

Filtering an Activity List 1. Show/hide the needed filters by clicking on the “arrow” icon.

2. Fill any of the available fields in the filter area and click “GO.” The transactions listed on this page are based on the account selected and the time period entered. The Activity List information will display in the Data/Information Area. Transactions can be viewed based on predefined views such as: by Time Period, by an Activity Type or by Security.

3. To access additional information about a transaction, such as security information or tax lots, click the “Next Step Select One” dropdown. (“Tax Lot” refers to the cost basis of the investment.)

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Viewing Your Statement Updated statements are available on the third business day following the end of a statement period.

To view statements, click on the “Documents” tab from the top navigation menu. Select “Statements” from the sub-menu for quick access to all the available statements. Annual statements are archived for five years, while interim statements are archived for 24 months.

The statements are available for viewing and/or printing in a PDF format. Adobe Acrobat Reader is required to view the statement in a PDF format. This free software can be downloaded at www.adobe.com.

To print a statement, select the “print” icon from the Adobe tool bar. The “Save a Copy” icon can be used to retain a copy of the statement.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Banner Menu

The banner area (above) consists of general system features, including:

Preferences The Preferences icon contains the following items:

• Access Management: Provides the option to change user’s password and Access ID. For security reasons, changes made will require the user to complete the authentication process. Up-to-date personal information (see below) is required so that the authentication process is successful.

• Manage Personal Information: Provides the option to update user’s contact information which is utilized during security authentication.

• Manage Preferences: Allows user to customize the view of information. For example, view the account as of Trade Date or Settlement Date.

• Manage Security Watchlist: Allows user to add, delete or modify a list of equities and indices. Up to 20 items can be added. NOTE: This information is displayed on a delayed basis. It is not real-time.

Help: Provides page-level help including descriptions of the fields of information.

Contact Us: Select this for quick access to the relationship manager and/or investment officer’s email and phone number. Or contact Customer Care 24/7/365.

Quick Quote/Security Search: Enter the ticker symbol or use the search icon to enter the name of security to obtain a real time quote.

Home: Directs user to the Associated Bank website.

Sign Out: Ends the user’s session.

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Trading Trading is available for directed investment management accounts only. For accounts with the ability to trade:

1. The Trade feature allows for Equity and Mutual Fund* trading only. The following types of trades cannot be processed:

• Bond trades

• Penny stocks

• Pink sheet securities

• Foreign trades

• Options

• Futures

• Commodities

2. Trades are charged a commission of $0.01 per share.

3. Clients should be entering all trades. Associated will not enter trades for the user.

The Relationship Manager should be contacted for any questions or special situations.

Equity Trades

• Equity trades can be entered until the U.S. exchanges close, which is typically 3 p.m. Central Time.

• Trades entered after 3 p.m. Central Time will be processed the next business day.

Mutual Fund Trades To receive that day’s price, Mutual Fund trades can be entered until 1 p.m. Central Time. Trades are processed electronically at 1 p.m. Central Time each day. Trades entered after 1 p.m. Central Time will be submitted at 2:30 p.m. Central Time, but there is no price protection for these trades if they are rejected. Trades entered after 2:30 p.m. Central Time will be processed the next business day.

*NOTE: Mutual Fund trades could be delayed between 1-5 business days if Associated Trust Company does not have an existing relationship with the mutual fund. Depending on the turnaround time of the mutual fund company, the trade will be executed once the account is established at the fund.

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Trading (cont.)

How to Enter a Trade:

1. Select the “Trading” tab from the main navigation menu.

2. Select the appropriate sub- menu tab (Buy Equity, Sell Equity, Buy Mutual Fund, Sell Mutual Fund).

3. Enter the “ticker symbol” in the “Symbol/Security” field.*

4. Click “Get Quote and Trade.”

If a security is not on the system, the message “Security Does Not Exist” will appear. Contact the Customer Care Center at 800-431-4649, available 24/7/365 or email us at [email protected]. A notification will be sent once the security has been added to the system. Please note, securities can only be added during regular business hours.

*If the ticker symbol or security number of the investment is unknown, select the magnifying glass icon to look up the security by name.

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Trading (cont.)

How to Enter a Trade (cont.)

5. The screen will refresh with a real-time quote trading information and the available cash balance.

• For users with access to more than one account, select the “Group” radio button to view and trade in all accounts.

6. Select the “Order Type: Market Order, Limit Order or Stop Order.”

7. Enter the “Quantity” to trade.

8. DO NOT enter comments in the comments box. This will convert the trade to manual versus electronic execution. This results in delayed execution.

9. If a trade(s) already exists for a security, a pop-up display with the message “A trade already exists for this position. If you proceed, you may duplicate the trade. Click Cancel and check the Pending Trades page or click OK to continue with the trade.”

10. Click “Preview” (bottom right-hand corner of the screen) and verify the accuracy of the trade information.

There is no capability to cancel the trade once it has been submitted.

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Trading (cont.)

How to Enter a Trade (cont.)

11. If needed, select “Edit” or “Cancel” located in the bottom right-hand corner of the screen.

12. Click “Submit” to send the trade.

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Trading (cont.)

Pending Trades

To view the status of pending trades, select the “Trading” tab from the top navigation menu and select “Pending Trades” from the sub-menu.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Downloading Instructions 1. Select “Tools” from the top navigation menu.

2. From the sub-menu, select the type of download (i.e., Download Activity, Download Portfolio or Download Tax Lots). In this example, “Download Portfolio” was chosen.

3. Click on the “arrow” icon to open the filters and apply as needed.

4. Select the type of file and any applicable filter information in the Download Filters section.

5. Choose “All Fields” or “Select Fields.”

6. If selecting a specific field, click on each field name from the left column. Click “Add,” which will move the field to the right column.

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Downloading Instructions (cont.) 7. Click “Save” and name the download, click “OK.”

8. Click “Go to Preview and Execute.”

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Downloading Instructions (cont.) 9. A preview screen summarizing the data to be downloaded will appear.

10. Click “Download.”

11. Open or Save the file to retrieve the downloaded data.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Help Click “Help,” located in the upper right-hand corner of the screen anytime. This will provide page-level help including descriptions of the fields of the information on the page in view. Select the “Product Info” link within Help for more information on system settings and navigation tips.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Contact Us For assistance with Associated Portfolio Online, please contact the Customer Care Center at 800-431-4649, available 24/7/365 or email us at [email protected].

To contact the Relationship Manager or Investment Officer, select the “Contact Us” link in the upper right-hand corner of the screen.

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Frequently Asked Questions Associated values the security of customer information. This product employs a Secure Sign-On process that includes layers of protection at time of product log in to mitigate risk, and thwart sophisticated hackers and Internet adversaries. The following are lists of frequently asked questions concerning the Log In process and the site. Within the product site, online help is available to guide you through the features. Should questions arise that are not addressed in this document or in the online help provided once logged in to the site, contact the Customer Care Center for assistance.

Initial product access • What Is Secure Sign On? • How does Secure Sign On work? • How do I enroll in Secure Sign On in order to access the product? • What happens if I “Cancel” during the Secure Sign on enrollment process? • Why do you need my personal information? • Can I enter a P.O. Box as my address? • What address should I list if I reside at multiple addresses throughout the year? • If I reside outside of the country, what should I enter as my address? • Can I enter a telephone number with an extension? • Can I enter an international telephone number? • How do you keep my personal information private? • If I need to, how can I change the personal information entered during enrollment? • Do I have to go through Secure Sign On enrollment with every computer or personal device I use? • If multiple people use this computer, will each person be required to go through Secure Sign On enrollment? • What can I do to protect my accounts and personal information? • I use a service that combines all of my accounts at different institutions on one website. Will this service be

able to complete this with the Secure Sign On safety measures?

Product sign on questions • Sometimes I log in to my account on a device not owned by me. Should I be concerned with doing this? • Why am I required to validate my identity when I log in to the product? • Why must I agree to Terms and Conditions if I want to receive a SMS Text message for access validation? • I requested to receive a text message, where do I find the one-time security code? • What happens if I do not have my phone with me for further validation purposes? • What if I am unable to answer the questions presented to me when further validation is necessary? • How often can I change my password? • What can I do if I forget my password? • How can I change my Access ID? • What can I do if I forget my Access ID?

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Frequently Asked Questions (cont.) Browser and device questions • Do I have to change any Internet browser settings to access the product? • Why doesn’t my browser’s “auto complete” feature pre-fill my password? • What security measures are taken to prevent sensitive information from being intercepted online? • What is phishing? • What is a cookie? • Are cookies dangerous to my computer? • Does anti-spyware and firewall software affect registration of a personal computer?

INITIAL PRODUCT ACCESS QUESTIONS

What is Secure Sign On? Secure Sign On is a service to help protect you from fraudulent online activity. We use multiple layers and factors beyond access ID and password before allowing access to your account. If we suspect unauthorized account activity, we will ask for additional authentication before permitting access to your account. Secure Sign On provides you with a secure website, ensuring that only authorized individuals have access to their financial information online.

How does Secure Sign On work? When you access the site for the first time, you will be required to complete an enrollment form. Each time you access the site after the enrollment is successfully completed, your information and device will be analyzed. If you pass the analysis, you will access the site. If there is concern with your information upon a future log in, you will be required to confirm your identity by using your telephone in conjunction with a security code.

How do I enroll in Secure Sign On in order to access the product? The enrollment process is completed upon your initial log in to the product site. The steps are as follows:

1. Enter the access ID and password provided to you by our institution.

2. The Security Enrollment page displays. Enter the required fields of personal information on this page. This information is important and will assist you should there be a need to validate your identity upon a future log in. The information entered on this page is stored in a secure, encrypted file that only you are able to access; no one at your financial institution has access to the information entered on this page. Complete the information on this page as accurately as possible.

3. Once the personal information is entered, you are required to create a new password. Enter the password and confirm it. Be sure you abide to the rules displayed on the page. This completes the Secure Sign on enrollment process.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Frequently Asked Questions (cont.) What happens if I “Cancel” during the Secure Sign On enrollment process? If you do any of the following during the Secure Sign On enrollment process, the information entered is discarded and you will be required to complete the enrollment process the next time you attempt to log in.

• Select the “Cancel” button on any page in the enrollment process.

• Are inactive on any of the enrollment pages for an extended period of time.

• Exit your browser window before the final step is completed.

Why do you need my personal information? The information entered on the Security Enrollment page is used should an additional form of identification be required when you sign on to the product. This may occur for a variety of reasons including access from a different computer, device, different network and so on. The information is used to either have a telephone call or text message placed to you with a security code. In addition, if you use the “Forgot your password?” link or change your personal information in the future, you will be required to validate yourself by telephone. These extra security measures help ensure that only authorized individuals access your financial information.

Can I enter a P.O. Box as my address? We strongly encourage you to enter your actual street address, not your postal box office code. This information is used if an additional form of identification is required when you sign on to the product.

What address should I list if I reside at multiple addresses throughout the year? We recommend that you enter the address that is listed on your federal income tax returns.

If I reside outside of the country what should I enter as my address? While you may enter an international address, we encourage you to enter a U.S.-based address at which you have resided; for example, the address that is listed on your U.S. federal income tax return.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Frequently Asked Questions (cont.) Can I enter a telephone number with an extension? Yes, you can; however there are some rules that apply. Extensions are only supported when direct dialing is provided. This includes the ability to enter a telephone number that requires another number to direct the call. For example, enter 2 to direct it to the appropriate department and then enter the extension number. In this case, the extension field on the enrollment page would include the 2; for example 800-555-5555, extension 25555. However, if a phone system requires you to press the pound (#) key, then the extension; or requires you to speak with a person first or to listen to a marketing type message first, then an extension will not work.

Can I enter an international telephone number? Yes, you are able to enter an international telephone number. The entry box is free-form; do not enter any dashes or special characters in the field.

How do you keep my personal information private? We understand the importance of keeping the personal information you enter in the enrollment process private and do so by:

• Using firewalls and encryption. We use firewalls and encryption technology to protect personal information on our computer systems.

• Restricting who has access to your information. You are the only party with access to the information entered. The information may be used to validate your identity if need be upon future log ins.

If I need to, how can I change the personal information entered during enrollment? It is important to keep your personal information up-to-date and you can do so by selecting Preferences, “Access Management Manage Personal Information” link within the product. If your name or address has changed, you have 12 months to change your information; however, if a telephone number changes, be sure to update this information immediately on the selected page. The page pre-fills your current information. You need only type over, add to, or delete information and click “Submit” to apply the changes. You will be required to validate your identity by answering dynamically-generated questions before the updated personal information is saved. It is also important for you to contact our institution when you have a change to your personal information to ensure our records match the updates you make.

Do I have to go through Secure Sign On enrollment with every computer or personal device I use? You enroll in Secure Sign On only once. It is based on your access ID and password, and not per the computer or device you use to access your accounts. You may be required to validate your identity when you use a different computer or device. You will be presented with the option to use your telephone in conjunction with a security code.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Frequently Asked Questions (cont.) If multiple people use this computer, will each person be required to go through Secure Sign On enrollment? Secure Sign On is based on Access ID and Password. Therefore, if each person using the same computer to access information for accounts they have with your institution has a unique access ID and password, they are required to complete the Secure Sign On enrollment process.

What can I do to protect my accounts and personal information? You are the first line of defense for your online account security. We have taken numerous steps to keep your accounts and personal information secure, but you also play a role in maintaining the security of your account information. Here’s what you can do:

1. Never provide your access ID and password to anyone.

2. Memorize your password. Your online password authenticates you when you begin an online session. You should memorize this password and never write it down anywhere.

3. Create a password that consists of letters, numbers and/or special characters. It should be a combination that cannot be easily guessed by others.

4. Change your password regularly. It is important to change your password regularly, which can be accomplished within the product.

5. Remember to sign off/log out. You may not always be at your own computer when you access your account. It is important to logout by clicking the “Logout” link in the top-right corner of the page. If you forget to do so, we automatically log you off after 15 minutes of inactivity.

6. Use your browser’s built-in security features. It is recommended that you use the built-in security features that browsers provide. Choosing certain security settings and options will help protect the privacy of your accounts and personal information. To learn how to maximize your online security, review the security features of your web browser.

I use a service that combines all of my accounts at different institutions on one website. Will this service be able to complete this with the Secure Sign On safety measures? Account aggregation lets you see the information from all your online accounts on one website. The firm operating the account aggregation service logs in as you and uses your security information to get your information for you. Once you set up Secure Sign On, these services may not work with the access ID and password you provide them because Secure Sign On uses sophisticated authentication processes. If we require further validation, these services will likely not be able to authenticate using the personal information you entered during the Secure Sign On enrollment process. It is best that you consult with your account representative for alternative options.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Frequently asked questions (cont.)

PRODUCT SIGN ON QUESTIONS

Sometimes I log in to my account on a device not owned by me. Should I be concerned with doing this? There are a number of things you should be mindful of when using a device not owned by you or when you are accessing your account information from a public network.

1. Be cautious using public computers. The best policy is to avoid using computers you do not trust. Some computers, even ones in legitimate business centers, may contain malicious software. If you must use a public or shared computer, once your session is complete, be certain to do the following before leaving the computer:

a) Click “Logout” in the upper-right corner of the site page.

b) Clear the browser’s cookies and clear the cached files from the browser.

c) Close the browser.

2. Only use wireless networks you trust. Your information may be vulnerable when you log in on an unsecured wireless network, whether at home or in a public area. Some wireless networks in public areas reduce their security, making it easier for individuals to access and use these networks. Do not use a wireless network when you do not know or trust whoever is responsible for the network.

3. Be ready to confirm your identity. We monitor your log in activity and may require you to validate your identity when you use a different computer, device or network. If we require further validation, you must use your telephone in conjunction with a security code.

Why am I required to validate my identity when I log in to the product? During the Log In process, we not only validate your access ID and password, we also analyze numerous elements regarding your device and your environment to ensure your identity. When we experience a change in your environment, we may require you to complete an additional step in the Log In process. This additional step is presented to you only when necessary. You will receive a page requesting you to select a telephone number whereby a one-time security code will be delivered. This can be delivered through a telephone call or SMS text message. If you have trouble completing this process, contact customer support for assistance.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Frequently asked questions (cont.) Why must I agree to Terms and Conditions if I want to receive a SMS Text message for access validation? If you select the “Text” radio button for a listed telephone number, you must agree to the terms and conditions of receiving a SMS Text message. Agreeing to the terms and conditions means that you are aware of and understand that additional rates may apply. Rates are dependent upon your telephone provider and your service plan.

I requested to receive a text message, where do I find the one-time security code? The one-time security code needed is contained within the body of text message; it is not at the beginning of the message. It does not contain any dashes in the number. You must read the text message to obtain the code, enter it correctly on the product page and click “Submit” in order to gain access to the product.

How often can I change my password? You may change your password once per day.

What can I do if I forget my password? Use the “Forgot your Password?” link on the Sign In page. You will be required to validate your identity before the password change occurs. If you have trouble completing this process, contact the Customer Care Center for assistance.

How can I change my Access ID? You may, if desired, change your access ID to be more meaningful once you have successfully logged in to the product. We recommend you change your access ID no more than once per day.

What can I do if I forget my Access ID? If you have forgotten your access ID, contact the Customer Care Center for assistance.

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Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Frequently asked questions (cont.)

BROWSER AND DEVICE QUESTIONS

Do I have to change any Internet browser settings to access the product? Your Internet browser must be set to accept cookies. Set the browser cache to “Check for newer page versions every time.” Most browsers accept cookies as a default setting. If you have not customized this setting, you should not need to make any changes. If you need to change the Internet cookie setting to accept cookies, follow the instructions provided in the Internet browser’s help file. If you do not make the change to accept cookies, you will be able to sign in; however, moving throughout the product will be difficult and may lead to unexpected errors. Allow Pop-Up windows.

Why doesn’t my browser’s “auto complete” feature pre-fill my password? Once you set up Secure Sign On, your password will not pre-fill. Secure Sign On uses a process that does not allow your browser to anticipate your password entry. While the Auto Complete feature may be helpful for some things, it can also seriously compromise your security and privacy. If a password is saved in the browser on a public computer, that information is available to others for use or theft.

What security measures are taken to prevent sensitive information from being intercepted online? From the moment account information leaves your computer to the time it reaches us, all online sessions are encrypted. That means your password as well as all information relating to you and your accounts employ some of the best forms of cryptography that are commercially available for use over the Internet. If for any reason your secure session ends, your online session automatically terminates.

What is phishing? Phishing is an Internet fraud technique that is used by criminals to trick you into giving them personal information. Phishing occurs when a criminal sends you an email message with a link to what may appear to be your institution’s website, but it is actually a fake. On this fake website, you will be asked to enter personal information such as your Social Security number, account number or credit card number. Phishing is a fraudulent act aimed at stealing your identity and private account information. Phishers set up a phony website that looks like the site of a trusted company to trick you into disclosing your access ID and password.

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Investments, securities and insurance products:

Investment management, fiduciary, administrative and planning services are provided by Associated Trust Company, N.A. (“ATC”). Investment management services are also provided to ATC by Kellogg Asset Management, LLC® (“KAM”), a SEC-registered investment adviser. ATC is a wholly owned subsidiary and affiliate of Associated Bank, N.A. (“AB”). AB is a wholly-owned subsidiary of Associated Banc-Corp (“AB-C”). KAM is a wholly owned subsidiary and affiliate of ATC. AB-C and its affiliates do not provide tax, legal or accounting advice. Please consult with your tax, legal or accounting advisors regarding your individual situation. Associated Bank, N.A. Member FDIC. Equal Housing Lender and Equal Opportunity Lender. (4/18)

Frequently asked questions (cont.) What is a cookie? A cookie is a small text file that an Internet server can store on a user’s computer. The cookie your institution stores on your computer is only used by your institution when you access your account information online. It is not used to track your Internet activity and cannot be used by others to access your information.

Are cookies dangerous to my computer? No. Cookies are small text files that can only be retrieved by the website that stored it on your computer. This website cannot look at any other cookie or anything else on your machine. The cookie your institution stores on registered computers are only used to ensure that an authorized location is accessing your account information. It is not used to track your Internet activity and cannot be used by others to access your information.

Does anti-spyware and firewall software affect registration of a personal computer? It is recommended that you use anti-spyware and firewall software on all your computers. However, some anti-spyware and firewall software do not allow cookies to be stored on a computer. Some anti-spyware software may give you an option to remove cookies. If this product site’s cookie is removed, upon future log in, you may be required to validate your identity.