bankNOW vs SpendTrack

Bank conveniently and securely with Nicolet National Bank Mobile Business Banking. Now you can manage your business finances anytime, anywhere - from your mobile device. Manage Your Accounts: • Check business account balances • View recent transactions, including check images • Transfer money between accounts Deposit Checks: • Deposit checks by snapping a picture of each check • View deposit history in the app Review and Approve: • Approve transactions scheduled through Business Online (eCorp/BizBank), including fund transfers, ACH transfers and wire transfers • Receive alerts when approvals are pending Getting started is easy. Simply contact the Nicolet Bank Treasury Management team at 800-369-0226 to turn your access on, and then download the app and sign on with your Business Online (eCorp/BizBank) user credentials. [Additional fees may apply.1]. For more information about Nicolet National Bank’s mobile services, please visit www.nicoletbank.com or call us at 800-369-0226. 1Carrier’s data rates may apply

This application is powered by Fiserv, Inc. but is activated through specific financial institutions and businesses. Check with your business administrator or financial institution to ensure they participate in SpendTrack prior to downloading. Exact functionality may vary by financial institution based on their subscription. _________________________________________ SPENDTRACK HELPS BUSINESSES EFFICIENTLY MANAGE THEIR CARD PROGRAM AND EXPENSES DIGITALLY SpendTrack is a scalable solution that is ideal for small and midsize businesses. It enables: -- Employees to make payments, view transactions, request a card and submit expense reports -- Small-business owners and managers to view employee accounts, open new accounts, manage credit lines, and view and approve expense reports ROBUST FUNCTIONALITY – ALL IN ONE APP -- Real-time card controls, including locking and unlocking a card, resetting PIN, reporting a lost/stolen card, establishing spending limits and enabling merchant category restrictions -- Customizable expense management workflows that streamline the administration and review process -- Intelligent receipt capture with card and transaction data auto-population, even before the transaction posts -- Expense report creation with receipt attachments and mileage claims -- Statement access and payment information -- Spend breakdowns, by cardholder, department, or pay account -- Comprehensive analytics that provide complete program visibility and drive better business decisions with insights into spend trends, merchant spend and credit line use