Citizens Bank Business Online Banking Resource Guide

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Published by Murphy & Company, Inc. 13610 Barrett Office Dr

St. Louis, MO 63021 www.mcompany.com

© 2009-2017 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2eBanking. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

Getting Started

Welcome to Business Online Banking with Citizens Bank! Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your Online Banking experience easy and convenient. By adding powerful commercial products and features, Citizens Bank provides you with the complex tools your business needs to achieve its goals. Although our Business Online Banking shares similar features with our personal accounts, this guide is meant to help you through only business features. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at 505-599-0100.

Table of Contents Getting Started

Business Online Banking Overview.............................................................................4 Users........................................................................................................................................ 4 Subsidiaries............................................................................................................................. 4 Recipients................................................................................................................................ 4 Business Online Banking Transaction Types ..................................................................... 5 Transaction Type Overview..........................................................................................5 Commercial Users Overview..............................................................................................................6 User Management Overview................................................................................................ 7 Adding a New User ................................................................................................................ 8 Part 1 of 6: Editing or Assigning User Rights....................................................................... 9 Part 2 of 6: Establishing Transaction Type Rights............................................................. 10 Part 3 of 6: Disabling a Transaction Type.......................................................................... 11 Part 4 of 6: Editing Approval Limits for a Transaction Type............................................ 12 Part 5 of 6: Establishing Rights to Access Features.......................................................... 13 Part 6 of 6: Establishing Rights to Access Features.......................................................... 14 Deleting a User............................................................................................................15 Subsidiary Overview....................................................................................................16 Adding a Subsidiary............................................................................................................. 17 Editing a Subsidiary.....................................................................................................18 Deleting a Subsidiary..................................................................................................19 Recipient Overview......................................................................................................20 Part 1 of 4: Adding a Recipient............................................................................................ 21 Part 2 of 4: Recipient Account Detail.................................................................................. 22 Part 3 of 4: Beneficiary FI Detail. ........................................................................................ 23 Part 4 of 4: Intermediary FI Detail...................................................................................... 24 Editing a Recipient.......................................................................................................25 Editing a Recipient’s Templates.......................................................................................... 27 Deleting a Recipient....................................................................................................28 Payment Template Overview.....................................................................................29 Creating a New Payment or Template......................................................................30 Part 1 of 7: Selecting A Transaction Type.......................................................................... 30 Part 2 of 7: Info & Users...................................................................................................... 31 Part 3.1 of 7: Single-Recipient & Amount.......................................................................... 32 Part 3.2 of 7: Multiple-Recipients & Amounts .................................................................. 36 Part 4 of 7: Import a File into a Template ......................................................................... 39

Part 5 of 7: Subsidiary.......................................................................................................... 40 Part 6 of 7: Account.............................................................................................................. 41 Part 7 of 7: Review & Submit............................................................................................... 42 Viewing, Approving or Canceling a Transaction......................................................44 Single Transaction................................................................................................................ 44 Multiple Transactions.......................................................................................................... 45 Splitting a Payment.....................................................................................................46 Editing or Using a Template.......................................................................................49 Deleting a Template....................................................................................................50 Payment From File......................................................................................................51 Tax Payment................................................................................................................53 Mobile Authorizations. ...............................................................................................55

Getting Started

Business Online Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users, subsidiaries and recipients. After setting up these key entities, you can jump right in and experience our state- of-the-art system! Users If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. After setting up a company policy with a bank representative, you can organize which employees get access to different features within Business Online Banking by establishing user rights. Subsidiaries Subsidiaries are different entities owned or managed by one parent company. Business Online Banking allows you to aggressively manage your subsidiaries, offering centralized control to the parent company with the convenience of a single banking system. Subsidiaries may not apply if your business is a single entity with only one tax ID that has several bank accounts tied to it. For complete information, contact us at

505-599-0100. Recipients

Recipients are people or businesses to whom you send money using a payment feature offered through Business Online Banking. After creating a profile for each recipient, you can choose the method to send them money and the respective transaction details. Each created recipient is saved so you can quickly and easily make future payments.

Getting Started: Business Online Banking Overview

Getting Started

Various types of payment methods are offered through Business Online Banking, including wire and ACH transfers. Though they are both quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions are done using a batch process, and funds are generally not available until the next business day. Please call us at 505-599-0100 for a full list of wire and ACH fees or if you have any questions. Transaction Type Overview

Business Online Banking Transaction Types

Type

Description

Upload a NACHA-formatted file.

ACH Pass-Thru

ACH Payment

Send a payment to one recipient.

ACH Batch

Send a payment to several recipients.

ACH Receipt

Receive a payment from one recipient.

ACH Collection

Receive a payment from several recipients.

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different country.

International Wire

Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

Payroll

Send federal, state or local tax authority payments.

Tax Payment

Getting Started: Transaction Type Overview

Commercial Users Overview

Depending on your number of employees, owners and company policies, Business Online Banking lets you set up multiple users with different responsibilities. After establishing a company policy with your accountant or financial advisor, new users can be created with their own unique login IDs and passwords. Each user is assigned a set of user rights that permits or prevents them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • The number of approvals that can be completed in a day or the dollar amount in a specific transaction. • Accessing specific accounts. • Managing recipients, users, subsidiaries and templates. Authorized users can set up the features, accounts and rights each user needs to do their job. Establishing these rights gives users permission to perform specific tasks, helping you manage your business and making it run as smoothly as possible.

Commercial: Users Overview

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User Management Overview The User Management page lets you view all your existing users and their contact information in one easy place. From here, you can create users, edit rights and oversee your employees on a day-to-day basis. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I List View

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Grid View

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In the Settings tab, click Users . A. This page is available in two views: List or Grid. Toggle between them to find your preference. B. The following information presents for each user: • Name • Email address • Last login time C. You can sort your users, if necessary. There are a few options depending on if you are in List or Grid view. 1. In List view, you can sort users in alphabetical or reverse alphabetical order by clicking the icon next to the Users column. 2. If you are using Grid view, you can sort users in alphabetical or reverse alphabetical order by clicking the “Sort by” Link. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

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Commercial: Users Overview

Adding a New User An authorized user with Manage Users rights can set up a new user by first creating a profile and a unique login ID and password. Once you establish a user and their login credentials, you can begin assigning user rights by accessing their User Policy.

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In the Settings tab, click Users . 1. Click the Add User button in the top right corner. 2. Enter the user’s first and last name and email address. 3. Select the user’s country using the “Phone Country” drop-down and enter their phone number. 4. Create a unique login ID for the new user. 5. Enter a password following our guidelines and confirm it in the provided space. 6. Click the Save button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16 17 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 0c 1c 2c 3c 4c 5c 6c 7c 8c 9c 0d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 10 12 13 14 15 16 17 18 19 20 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 10a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c 2c 3c 4c 5c 6c 7c 8c 9c 10d 12a 13a 14a 15a 16a 17a 18a 19a 20a 12b 13b 14b 15b 16b 17b 18b 19b 20b 2d 3d 4d 5d 6d 7d 8d 9d J L M N O P Q R S T V W X Y Z B C D E F G H I B1 C1 D1 E1 F1 G1 H1 I1 J3 J2 J1

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Commercial: Users Overview

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Part 1 of 6: Editing or Assigning User Rights After creating a user, you can locate their profile on the User Management page to further edit or assign their rights. Each step is critical when establishing user rights, but once complete, you can remain confident in your user’s abilities and which actions they have access to.

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In the Settings tab, click Users . 1. Click the 2. Click the Assign Rights button.

icon to edit a specific user.

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Commercial: Users Overview

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Part 2 of 6: Establishing Transaction Type Rights You start assigning or editing a user’s rights in the Overview tab, which helps you decide which responsibilities and limitations a user should have regarding certain transactions. Here, you can change a user’s approval limits and decide which transaction types they can view, draft, approve or cancel.

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1. Choose a type of transaction to assign rights for under the Transaction Type column. 2. Choose whether a user can draft, approve, cancel or view a specific transaction by clicking the icons under each column. The icon allows the user to perform the listed action, while the icon disables their rights. • Draft : Create a transaction or template that needs approval from an authorized user. • Approve : Send or accept drafted transactions. • Cancel : Reject a drafted or unprocessed transaction. 3. Click the icon under the View column to change which transaction activity a user can view. • Can view only their activity. • Can view activity of all users. • Cannot view activity of any user. 10a 1a 2a 3a 4a 5 6a 7a 8 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

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Note : Users must have the

icon enabled to approve

transactions.

Commercial: Users Overview

Part 3 of 6: Disabling a Transaction Type If a user should not have access to a certain transaction type, such as payroll or international wires, an authorized user can disable those rights for individual users.

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1. Select the transaction type to disable in the Overview tab. 2. Toggle the switch to “Disabled” for that specific transaction. 3. Click the Save button when you are finished making changes.

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Commercial: Users Overview

Part 4 of 6: Editing Approval Limits for a Transaction Type To give you peace of mind, a user’s approval limits can be adjusted, so you never have to worry about the amount or number of transactions they make. You can set these restrictions for a daily and monthly bases as well as per account.

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1. Select a transaction type in the Overview tab to edit a user’s approval limits. 2. Click the Approval Limits tab. 3. Click the icon to edit the maximum amounts a user can approve or draft and the maximum number of transactions a user can perform. Enter the amount or count using the keypad. 4. Click the Save button when you are finished making changes. J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2

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Commercial: Users Overview

Part 5 of 6: Establishing Rights to Access Features When assigning user rights, the Features tab lets you control who can edit templates or manage users, subsidiaries or recipients. Depending on their User Policy or job roles, some users may have different responsibilities than others.

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1. Click the Features tab. 2. Enable a feature by clicking on a specific right. Dark boxes with a check mark indicate that the feature is active. 3. Disable a feature by clicking on it to make the box white. This indicates that the feature is inactive. 4. Click Save when you are finished making changes. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 1a 2a 3a 4a 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c 11a 12a 13a 14a 15a 1d 2d 3d 4d 5d

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Note : If Manage Users is assigned to a user, they can change their own rights. Be sure to limit which users have this feature.

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Commercial: Users Overview

Part 6 of 6: Establishing Rights to Access Features The Accounts tab lets you decide which users have access to perform specific tasks within an account, including viewing the account and transaction histories and making deposits or withdrawals.

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1. Click the Accounts tab. 2. Edit a user’s ability to view, deposit or withdraw in a specific account. • User right is active. • User right is disabled. • User right is locked and cannot be edited. 3. Click the Save button when you are finished making changes. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 2c

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I I

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Commercial: Users Overview

Commercial

If you are assigned the Manage Users right, you have the ability to permanently delete a user that is no longer needed. This deletes their contact information from the User Management page and deactivates their Business Online Banking login ID, but it will not erase the data from an existing payment using that person. Deleting a User

icon. 1d 2d 3d 4d 5d 6d 7d 8d 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c J1 K L M N O P Q R U V W X Y Z A B C D E F G H J2 J3 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8

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In the Settings tab, click Users . 1. Find the user you want to remove and click the 2. Click the Delete button. 3. Click the Confirm button to permanently remove a user.

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Commercial: Deleting a User A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3

Commercial 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I If your business is a parent company and controls alternate daughter companies or subsidiaries, you can create a separate profile for those entities. This allows you to swiftly make payments between the two companies from the parent account. After setting up subsidiaries, they are listed in the Subsidiary Management page, where you can edit and administer their information. Subsidiary Overview 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I List View

11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 11 12 13 14 15 16 17 1 21 22 23 24 25 26 27 1 2 3 4 5 6 7 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c K L M N O P Q U V W X Y Z A B C D E F G 11 12 13 14 15 16 17 1 21 22 23 24 25 26 27 1 2 3 4 5 6 7 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c 11a 12a 13a 14a 15a 16a 17a 1d 2d 3d 4d 5d 6d 7d K L M N O P Q U V W X Y Z A B C D E F G 11a 12a 13a 14a 15a 16a 17a 18a 19a A1 B C D E F G A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c 1d 2d 3d 4d 5d 6d 7d 11b 12b 13b 14b 15b 16b 17b 18b 19b 1d 2d 3d 4d 5d 6d 7d 8d 9d 11b 12b 13b 14b 15b 16b 17b

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J2 J3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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Grid View

In the Commercial tab, click Subsidiaries . A. This page is available in two views: List or Grid. Toggle between them to find your preference. B. The following information presents for each subsidiary: • Name • Payment type: Wire, ACH & Wire, or ACH • Wire header C. You can sort your subsidiaries, if necessary. There are a few options depending on if you in List or Grid view. 1. In List view, you can sort your subsidiaries by name, Wire/ACH or Tax ID by clicking the icon next to the specific column. 2. If you are using Grid view, you can sort your subsidiaries in alphabetical or reverse alphabetical order by clicking the “Sort by” link. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b

Commercial: Subsidiary Overview

Adding a Subsidiary Users with Manage Subsidiary rights can create new subsidiaries. Depending on the type of payments being made, you may be required to enter the subsidiary’s Tax ID, header or address.

J2 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c K L M N O P Q R U V W X Y Z A B C D E F G H 11 12 13 14 15 16 17 18 1 21 22 23 24 25 26 27 28 2 1 2 3 4 5 6 7 8 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 11a 12a 13a 14a 15a 16a 17a 18a 11b 12b 13b 14b 15b 16b 17b 18b 1d 2d 3d 4d 5d 6d 7d 8d

In the Commercial tab, click Subsidiaries . 1. Click the Add Subsidiary button. 2. Enter the subsidiary’s name. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 3. Choose the payment type by selecting either ACH, ACH & Wire or Wire. 4. Enter the required information depending on the selected payment type. • ACH : Enter an ACH Header and ACH Tax ID. • ACH & Wire : Enter an ACH Header, ACH Tax ID, Wire Header, subsidiary’s street address, city, state and postal code. • Wire : Enter Wire Header, subsidiary’s street address, city, state and postal code. 5. Click the Create Subsidiary button when you are finished. A1 B1 C1 D E F G H I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J2 J3 J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1

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A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 I A3 B3 C3 D3 E3 F3 G3 H3 I

Commercial: Subsidiary Overview

Commercial

Editing a Subsidiary

If necessary, an authorized user can make changes to subsidiaries on the Subsidiary Management page.

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In the Commercial tab, click Subsidiaries . 1. Find the subsidiary you want to edit and click the 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 0a 1d 2d 3d 4d 5d 6d 7d 8d 9d

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

J1 11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 K L M N O P U V W X Y Z A B C D E F J2 J3 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c

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icon.

2. Make the necessary changes. 3. Click the Save Subsidiary button when you are finished making changes. A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1

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Commercial: Editing a Subsidiary

Commercial

Deleting a Subsidiary

If you are assigned the Manage Subsidiaries right, you have the ability to permanently delete a subsidiary that is no longer needed. This deletes their contact information from the Subsidiary Management page, but it will not erase the data from an existing payment using that entity.

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In the Commercial tab, click Subsidiaries . 1. Click the icon. 2. Click the Delete Subsidiary button to permanently remove a subsidiary. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d

J1 J2 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 10 1b 2b 3b 4b 5b 6b 7b 8b 9b 10 1c 2c 3c 4c 5c 6c 7c 8c 9c 10 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J3 1 11 12 13 14 15 16 17 18 19 2 21 22 23 24 25 26 27 28 29 3 1 2 3 4 5 6 7 8 9

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J A1 B1 C1 D1 E1 F1 G1 H1 I1 J A2 B2 C2 D2 E2 F2 G2 H2 I2 J A3 B3 C3 D3 E3 F3 G3 H3 I3

Commercial: Deleting a Subsidiary

Commercial 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

A recipient is any person or company that receives payments from your business. For easy access on the Recipient Management page, you can set up individual profiles so funds can be sent to or received by a recipient. After they are created, you can include them in multiple payments or templates. Recipient Overview 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I List View 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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J1 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J2 J3

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Grid View

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10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

In the Commercial tab, click Recipients . A. This page is available in two views: List or Grid. Toggle between them to find your preference. B. The following information presents for each recipient: • Name • Number of accounts the they have • Email address C. You can sort your recipients, if necessary. There are a few options depending on if you are in List of Grid view. 1. In List view, you can sort your recipients by display name, number of accounts or e-mail address by clicking the icon next to the specific column. 2. If you are using Grid view, you can sort your recipients in alphabetical or reverse alphabetical order by clicking the “Sort by” link. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 A B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b 1 1d 2d 3d 4d 5d 6d 7d

Commercial: Recipient Overview

Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need to have their contact and account information.

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10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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11b 12b 13b 14b 15b 16b 17b 18b

A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3

In the Commercial tab, click Recipients . 1. Click the Add Recipient button. 2. Enter the recipient’s name. 3. Enter an ACH Name, Wire Name and ACH ID. 4. Enter the recipient’s email address. Check the box next to “Send E-Mail Notifications” to alert them when a payment is sent. 5. Select the recipient’s country using the “Country” drop-down. 6. Enter the recipient’s street address, city, state and zipcode. 7. Click the Next button. J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4 5c 6c 7c 8c 9c 0d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I A1 B1 C1 D1 E1 F1 G1 H1 I1 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J1

Commercial: Recipient Overview 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

A1 B1 C1 D1 E1 F1 G1 H1 I1

Part 2 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 K L M N O P Q U V W X Y Z A B C D E F G 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c

1. Select the Payment Types allowed: • ACH only • Wire only • ACH and wire 2. Fill in the Account Detail information. The fields change depending on the selected Payment Type: • ACH Only and ACH and Wire : Enter the account type, account number, financial institution and ACH routing number. • Wire Only- Domestic or International (SWIFT/BIC) : Enter only the account number. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

1d 2d 3d 4d 5d 6d 7d

11a 12a 13a 14a 15a 16a 17a

11b 12b 13b 14b 15b 16b 17b

A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3

Note : An account number is unneeded if you are using an International Bank Account Number (IBAN).

Commercial: Recipient Overview

11 12 13 14 1 21 22 23 24 2 1 2 3 4

Part 3 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. The beneficiary is the company or person that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information.

11 12 13 14 15 21 22 23 24 25 1 2 3 4 5 K L M N O U V W X Y A B C D E 1a 2a 3a 4a 1b 2b 3b 4b 1c 2c 3c 4c 1d 2d 3d 4d A1 B1 C1 D1 A2 B2 C2 D2 A3 B3 C3 D3 1a 2a 3a 4a 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c 11a 12a 13a 14a 1 11b 12b 13b 14b 1 1d 2d 3d 4d 5 A1 B1 C1 D1 E A2 B2 C2 D2 E A3 B3 C3 D3 E 11a 12a 13a 14a 15a 11b 12b 13b 14b 15b 1d 2d 3d 4d 5d A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 A3 B3 C3 D3 E3 11a 12a 13a 14a 1 K L M N U V W X A B C D E 11b 12b 13b 14b 1 1a 2a 3a 4a 5 1b 2b 3b 4b 5 1c 2c 3c 4c 5 K L M N U V W X A B C D 11 12 13 14 1 21 22 23 24 2 1 2 3 4 5

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 10a 10b 10c 10 11 2 3 4 5 6 7 8 9 20 21 2 3 4 5 6 7 8 9 30 1 2 3 4 5 6 7 8 9

10 1 12 13 14 15 16 17 18 19 20 1 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 J L M N O P Q R S T V W X Y Z B C D E F G H I 1a 2 3 4 5a 6 7 8 9 1b 2 3 4 5 6 7 8 9 1c 2c 3 4 5 6 7 8 9

1. Enter the beneficiary FI’s name 2. Enter the appropriate number depending on what wire type you are sending a. Domestic Wire : Enter the Wire Routing number. b. International Wire : Enter the IBAN and/or SWIFT BIC. 3. Enter its street address and city. 4. Using the “State” drop-down, select the beneficiary FI’s location and enter its postal code. J1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10 11a 2 3 4 5 6 17a 8 9 20 11b 12b 13b 14b 15b 16b 17 8 9 20 1d 2d 3d 4d 5d 6 7 8 9 J A1 B1 C1 D E1 F G H I1 J A2 B2 C2 D E F2 G H I2 J A3 B C3 D E F G H I3 10a a 2a 3a 4a 5a 6a 7a 8a 9a 10b b 2b 3b 4b 5b 6b 7b 8b 9b 10c c 2c 3c 4c 5c 6c 7c 8c 9c 10d d 2d 3d 4d 5d 6d 7d 8d 9d 1a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1 B1 C1 D1 E1 F1 G1 H1 I1

2 B2 C2 D2 E2 F2 G2 H2 I2

3 B3 C3 D3 E3 F3 G3 H3 I3

Note : Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.

Commercial: Recipient Overview

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