Guide to FHB Online Business Center

Quick and Easy Guide to FHB Online Business Center

Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com

© 2009-2015 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 are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking. 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.

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Welcome

We work hard to provide our customers with the financial tools they need to achieve the goals to their business that matter. One of those important tools is online banking. FHB Online Business Center (OBC), our online banking system, is designed for ease of use. Whether you access it from your desktop, tablet or smart phone, it looks and functions the same across all devices. It is full of powerful features that make it easy to keep track of your company’s finances. We invite you to take a moment to learn more about the anytime, anywhere convenience of FHB Online Business Center.

Please contact our Cash Management Department for more information about additional services or for any questions about FHB Online Business Center by calling 808-844-3303 or via email OBC@FHB.com

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Table of Contents

General Information Security.................................................................................................4 New Enrollment.................................................................................9 Current Banking Users..................................................................10 Logging in.........................................................................................11 Home...................................................................................................12 Messages Messages...........................................................................................13 Transactions Account Details...............................................................................14 ACH/Wire...........................................................................................15 Payment From File..........................................................................22 Tokens.................................................................................................23 ACH Pass Thru..................................................................................24 Activity Center.................................................................................25 Tax Payment......................................................................................28 Funds Transfer..................................................................................29 Recipients..........................................................................................33 ACH Set Up........................................................................................35 Wire Activity......................................................................................37 Reports Create/View Reports......................................................................38 Administration Company Policy Overview..........................................................39 Features and Accounts.................................................................40 Add a User.........................................................................................41 Assign User Rights..........................................................................42 Edit or Delete a User......................................................................44 User Roles..........................................................................................45 Services ACH Block Request.........................................................................46 Order Checks....................................................................................47 Stop Check Payment......................................................................48 Positive Pay Introduction......................................................................................49 Upload Issue File.............................................................................50 Manually Enter a Check................................................................51 Void a Check.....................................................................................52 Managing Exceptions....................................................................53 Reports...............................................................................................54

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Settings Account Preferences......................................................................55 Alerts...................................................................................................56 Security Alerts..................................................................................57 Mobile Authorizations..................................................................58 Profile..................................................................................................59 Security Preferences......................................................................60 Locations Branches and ATMs........................................................................61

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General Information

Security

Take Precautions Against Computer Fraud

We care about the integrity of the account information you have with First Hawaiian Bank (FHB). While we utilize various fraud monitoring technologies and strategies to protect your company’s information, it is helpful for you to review your own internal procedures regularly. The sophistication and frequency of computer attacks is growing each year. Therefore, we urge you to review your security practices and take precautionary measures as you deem appropriate. Please keep in mind that each business is responsible for taking adequate measures to ensure that its computer(s), network, and electronic communications systems are secure from unauthorized access and manipulation. Education about new and changing fraud trends is also a key for long-term success in preventing cyber-attacks. Please share this information with your employees, customers, family and friends. According to law enforcement, one of the most common emerging threats in the financial industry is the Business Email Compromise (BEC) scam characterized as “a sophisticated scam targeting businesses working with foreign suppliers and/or businesses that regularly perform wire transfer payments. The scam is carried out by compromising legitimate business email accounts through social engineering or computer intrusion techniques to conduct unauthorized transfers of funds.” Sample Fraudulent Online Wire Scheme Using a Compromised Email Account: A very common fraudulent wire scheme starts with compromising a business or personal email account and disabling all security alerts, entering new contact information, and thus, defeating out-of-band confirmation security measures and preventing the victim from knowing that the account has been compromised. The fraudster then uses this compromised account to submit a wire request to a trusted customer who has no idea that account has been compromised. This wire scheme has increasingly been utilized by criminals because it specifically targets the weaker or less mature security programs to commit fraud. Statistics: BEC statistics reported to FBI’s Internet Crime Complaint Center from October 2013 to August 2015 over 7,000 victims in the US alone with over $747 million in losses, which combined with international law enforcement agencies during the same period, bring the BEC exposed loss to over $1.2 billion (Source: FBI Public Service Announcement I-082715a-PSA - https://www.ic3.gov/media/2015/150827-1.aspx).

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General Information

Security

So the threat is real! What can you do to prevent it? For your protection, we encourage you to review the following Best Practice Fraud Precautions:

1. Raised awareness of the BEC scam has helped businesses detect the scam before sending payments to the fraudsters. On-going training and reminders of the evolving threats of cyber-crime are crucial in preventing these frauds. Please share this information with your employees, customers, family and friends. 2. Review your bank account transactions daily. Contact FHB immediately if you detect any unauthorized transactions. Immediately cease all activity on any computer or device that you suspect may have been compromised. 3. Establish a segregation of duties so that individuals who have the responsibility for initiating wire or ACH transfers cannot approve or release those transfers. 4. Question and verify / confirm any wire, ACH or other transaction requests received over email, even internally since the sender may be a victim of BEC. This is why FHB does NOT accept wire, ACH or other transaction requests over email. 5. For all computers (PCs and network servers) that access financial websites, such as FHB Online Business Center (OBC), install a security software suite from a reputable vendor that includes detection for viruses, spyware, malware and adware, as well as firewall protection. Use the automatic software update feature and configure it to perform complete system scans on a routine basis. Use a designated computer for financial transactions only, if possible. 6. Create intrusion detection system rules that flag e-mails with extensions that are similar to company email. For example, legitimate e-mail of abc_company.com would flag fraudulent email of abc-company.com. 7. Ensure that your operating system and application software, such as Microsoft Office, Adobe Flash, Adobe Acrobat/Reader etc., are updated. Install any software and hardware updates immediately when made available. 8. Computers used to access OBC should be blocked from personal email accounts (such as Yahoo, Google, and Hotmail) and social networking websites where documents infected with viruses can be downloaded. 9. Whenever possible, do not use a wireless network for financial transactions. If a wireless network must be used, enforce latest security measures such as enabling encryption (e.g. WPA2 is preferable to WPA, do not use WEP) and MAC address filtering, changing the service set identifier (SSID) and turning off SSID broadcasting. 10. Do not click on a link to reach your financial institution, especially when listed in emails and search engines. Instead, type the bank’s website address into the Internet browser’s address bar every time. Do not open emails, click on links or open attachments sent with emails from an unknown person or organization. Input your OBC security token code only when prompted after selecting the “Release” button. If you are prompted to enter your security token code at any other time, immediately log out and contact our Cash Management Department.

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General Information

Security

11. Use a different login and password for each website/system, and change them frequently. Keep login information confidential and do not write it down. Do not use the same or similar password for OBC that you use for your work PC or any other service such as a personal email. Do not allow your computer or web browser to “save” or “remember” your login names or passwords. 12. Choose a password that uses a combination of numbers and letters that cannot be easily guessed by anyone else. 13. Setup and use a “non-privileged user” account on your computer to prevent unauthorized changes to the computer. Use this non-privileged account for web browsing whenever possible. Consult with your company’s technical staff or the company that services the network for assistance. 14. Do not post personal information on the internet. Even “common” information about yourself (e.g. your high school, maiden name, date of birth) can be used by computer hackers to answer security questions to your accounts. 15. Do not send personal or account information via email or cell phone text message – even if the request appears to be from your financial institution or a person you know. Hang up if you receive a phone call prompting you to enter any personal or financial information. These are common “phishing” scams to steal your information. For additional information, please read the FBI Public Service Announcement I-082715a-PSA: https://www.ic3.gov/media/2015/150827-1.aspx, Information Sharing and Analysis Center’s Fraud Alert: https://www.fsisac.com/sites/default/files/ news/BEC_Joint_Product_Final.pdf, Visa’s New Year’s Resolution…Resolve to Fight Malware: https://usa.visa.com/dam/VCOM/download/merchants/risk-new-year- resolution-2016-01-15.pdf , and the Hawaii’s Partnership Against Fraud page: http:// www.bbb.org/hawaii/hawaii-partnership-against-fraud. Should you have any questions about these or any other fraud precautions, please contact your Information Technology Specialist or a Data Security Consultant. For any questions related to First Hawaiian Bank and its services, contact our Cash Management Department.

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General Information

Security

By following our tips, FHB Online Business Center can be a safe and efficient method for handling your banking needs. For additional security tips, visit fhb.com.

User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name or other personally identifiable choices. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and FHB Online Business Center, making it difficult for anyone to access your account information. Secure Access Code You need a Secure Access Code to access your accounts when you log into FHB Online Business Center for the first time or the first time from any new device. This code is delivered to you by phone call or SMS text message. You can opt to have your device registered so that you do not have to complete the Secure Access Code process the next time that you access FHB Online Business Center from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to request another Secure Access Code. Online Banking Safety Tips: > Ensure your web browser, operating system, anti-virus software, and other applications are current and support 128-bit encryption. > Memorize your passwords and change them regularly. > Exit your FHB Online Business Center session when finished. > Do not leave your computer unattended when logged in to FHB Online Business Center. > Do not use public computers or unsecured WiFi when accessing. > If you receive an error when logged in to your account, report the error to our Cash Management Department

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General Information

Security

FHB Online Business Center will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from FHB Online Business Center, please report the incident to a customer service representative as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or Login IDs and passwords. Using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their financial institution. Identity Theft It is important that you are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise, and commit other crimes using your identity. Logging Off As a secure practice, you should log off before you close your online banking session, or anytime you walk away from your computer. For additional security, FHB Online Business Center will log you out automatically due to inactivity or when your session reaches the maximum time limit. Fraud Prevention Tips: > Do not open email attachments or click on a link from unsolicited sources. > Avoid completing email forms or messages that ask for personal or financial information. > Do not trust an email asking you to use a link for verification of login or account details. > Monitor your account transactions for unauthorized use. > Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers, and expired charge cards before disposing of them. > Contact the sender by phone if you are suspicious of an email attachment.

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General Information

New Enrollment

1. From fhb.com select Business in tool bar across the the top. 2. Click on FHB Online Business Center. 3. On the next page, select Login (Hawaii) or Login (Guam) .

4. Enter your Login ID and Password . Forgot your password? Simply click “ Forgot your password ?” and select where you would like to receive your Secure Access Code, then follow the instructions to re-establish a password. 5. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone or text message option that will enable FHB Online Business Center to reach you immediately with your one-time Secure Access Code. 6. When you receive your six-digit Secure Access Code, enter it on the access code screen and click Submit . The Secure Access Code is valid for only 15 minutes. If it expires before you use it, you must request a new one. 7. Once your access code has been accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 8. Now you can change your password. Use your temporary password as your old password. For your protection, you will need to create a password that meets the stated security criteria. Click Submit . When the pop-up window appears, click OK to confirm. 9. Review the Welcome First Time User screen, which presents a PDF link of the FHB Online Business Center Services Agreement. Please click the link to view the agreement. Read and acknowledge that you agree to the conditions by clicking I Accept . 10. A view online profile screen will appear for your review. It will be grayed-out and you cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed FHB OBC, you will be able to use the Address Change screen to make corrections. Click Submit then OK to continue. 11. Congratulations! You are now logged in to FHB Online Business Center. If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact our Cash Management Department.

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General Information

Current Banking Users

1. On the FHB OBC Login Page, enter your current Login ID and click Login, if you have forgotten your Login ID, please contact our Cash Management Department. 2. Do not enter your password when the next screen comes up. Instead, select “I am a new user” . 3. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone, text message, or email option that will enable FHB Online Business Center to reach you immediately with your one-time Secure Access Code, then click Submit . 4. When you receive your six-digit Secure Access Code, enter it in the access code screen and click Submit . The one-time access code is only valid for 15 minutes. If it expires before you use it, you must request a new one. If you close the login screen and then receive the code, follow the above steps again and instead select “I already have a Secure Access Code” . 5. Once your access code has been accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 6. You will then be prompted to change your password. For your protection, you will need to create a password that meets the stated security criteria. When finished, click Submit . 7. A view-only online Profile Screen will appear for your review. It will be grayed- out and you cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed FHB OBC, you will be able to use the Address Change screen to make corrections. Click Submit , then OK to continue. 8. You are now presented with a copy of the OBC Services Agreement. Read and acknowledge that you agree to the conditions by clicking I Accept . 9. Congratulations! You are now logged in to FHB Online Business Center. If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact our Cash Management Department to update your contact information.

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General Information

Logging in

Once you have enrolled as a New User, and logged into FHB OBC at least once, follow these steps for subsequent logins.

1. From our fhb.com select Business in tool bar across the top. 2. Click on FHB Online Business Center. 3. On the next page, select Login (Hawaii) or Login (Guam) .

4. Enter your Login ID and Password. Forgot your password? Simply click “Forgot your password?” and select where you would like to receive your Secure Access Code, then follow the instructions to re-establish a password. Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer, for example, at a public library. Logging Off As a secure practice, you should log off your session with FHB Online Business Center when you are finished, or anytime you walk away from your computer. For additional security, FHB Online Business Center will log you out automatically due to inactivity or when your session reaches the maximum time limit.

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General Information

Home

The Home Screen will give you an overview of all of your accounts displayed in a comprehensive list with available balances conveniently in one place.

To View an Overview of Your Accounts:

1. For account transaction history, click the account name to view the Account Details screen. View transaction details by clicking the transaction. 2. You can scroll through the account summaries by clicking Next or Previous at the bottom of the summary box. 3. Click the button and you will be directed to Account Preferences where you can modify the nickname of accounts as well as the order in which they appear. The print button will print a quick summary of your current available funds in all accounts.

4. Need an action done in a hurry? In the top right corner, you will notice options for easy access tools. These Quick Action options allow you to swiftly transfer money and view the Activity Center.

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Messages

Messages

The message center allows you to communicate securely with us. Check here for your alerts, replies to your inquiries and communications with FHB.

To View Messages:

Click on the Messages tab. 1. Messages are listed on the left side of the screen. Click the message that you would like to read and the entire message will appear on the right. 2. Delete or reply to a message in the upper right corner of the message. 3. Create a new message by selecting New Conversation . 4. Messages will be automatically deleted after a certain period of time has passed. A message can be saved indefinitely by clicking this box.

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Transactions

Account Details

To View Account Details:

From your Home Page , click on an account for more information. 1. For account transaction history, click the account name to view the Account Details screen. View transaction details by clicking that transaction. 2. If you click on the description of a specific transaction, you will see more details like the elements a multi-faceted deposit. You can then click a single element of this deposit for more information like the image of a check or deposit slip. 3. You can choose to print only this transaction or click Transaction Inquiry to send a secure message to FHB Online Business Center. 4. If you choose to Filters , you will be able to sort out particular transactions to view, export or print. 5. Once you’ve made your selections, click Apply Filters . 6. Click Print to print your filtered transactions. 7. You can also Export your filtered selection when working from your computer.

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Transactions

ACH/Wire

The ACH/Wire tab is your place to establish one-time or recurring payments to recipients. Here you can create templates to automate your routine payments. The following template and payment types include a single-recipient: • ACH Payment • Domestic Wire • ACH Receipt • International Wire The following transaction types include multiple-recipients: • ACH Batch • ACH Collection • Payroll • Payment from File

To Create Payments:

Click on the Transactions tab, then click on ACH/Wire . 1. Select whether you would prefer to view your available templates as a Grid or List .

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Transactions

ACH/Wire

To Create Payments: Step One: Info and Users

Click on the Transactions tab, then click on ACH/Wire . 1. Select an available template or choose New Template at the upper right corner to create a new template. The New Payment button can be used to create a one- time payment. If you choose to create a new template, type a unique name. 2. Select appropriate ACH Class Code; PPD for consumer transactions and CCD for Corporate Transactions. 3. In the Info and Users tab, Indicate which users should have access to this template. You can find users by typing their name in the Search bar, or checking their name below. 4. When you have established a template name and user access, click Next .

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Transactions

ACH/Wire

Step Two: Recipient and Amount

1. Select a recipient that you wish to pay. You can find recipients by typing in their name in the Search bar, or checking their name below. 2. Once you have chosen your recipient, enter the Amount you wish to pay them. You can also include an Addendum. 3. You can also add a recipient at this point and remain within your template workflow. Click Add Recipient and you will be directed to the Add Recipient page to enter the information, and then conveniently return to the payment workflow. 4. Once you have selected the recipient(s) and entered payment amount entered recipients’ amount, click Next .

When using the ACH Template in the Recipients and Amount Step, choose whether the ACH class code is for an Individual (PPD) or Company (PPD).

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Transactions

ACH/Wire

Step Three: Subsidiary

1. Select the Subsidiary . You can find subsidiaries by typing in their name in the search bar, or checking their name below. 2. When finished, click Next .

Step Four: Account

1. Choose the Account you wish to withdraw from. 2. When finished, click Next .

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Transactions

ACH/Wire

Step Five: Review & Submit

1. Select the Effective Date (payment date). 2. Review the information and if it is correct, click Save 3. Then, depending on user rights, select Draft or Approve .

The User Roles may restrict a user to only have the rights to draft payments. It will appear in the Activity Center as a pending payment. An authorized user must login to approve the transaction. Review the Dual Authorization page in this book for more information.

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Transactions

ACH/Wire

With Dual Authorization you can create an additional layer of security within your organization. You can create an approval process so that a single user cannot draft and approve the same transaction. Different transactions can be set up with different allowances and restrictions. Restrictions include defining criteria like which account to pay from, maximum amount, and types of transactions. You can set up dual enrollment rights when creating a template, defining user roles, or at the company policy level.

To Authorize or Approve a Transaction:

Click on the Transactions tab, then click on Activity Center . 1. If you have the allowed rights to approve transactions, you can do so by simply using the Actions dropdown on the right of the chosen transaction. 2. If more than one authorization is required for a transaction type, the number of approvals received/needed will be reflected in the Approvals column within Transaction Creation .

3. If you are an authorized user, you can also approve a transaction (or be one of the required approvers) within the flow of the transaction creation by selecting Approve at the end of the process. This approval will be reflected in the Activity Center under the Approvals column.

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Transactions

ACH/Wire

Follow these step to send a Wire:

1. Select recipient you wish to pay. Similar to ACH payment you can select a recipient typing in their name or select them from the drop down menu. Or, click on the New Recipient button . Click Add New Recipient , for steps on how to Add a New Recipient. 2. Enter the amount of the wire. 3. Select a subsidiary from the dropdown list and include information in the Message to Beneficiate field, if needed. 4. Select your From Account .

5. Choose Process Date . 6. Click Next to proceed. 7. Review and Approve .

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Transactions

Payment From File

Payment from File allows you to: • Import a balanced NACHA format file to create ACH transactions. • Only process PPD or CCD, by default when you import a NACHA file, it will be checked for errors before processing. If errors are found, you will be prompted to provide the required information in the correct format before the file can be processed. This ensures that all transactions will be process successfully.

Click on the Transactions tab, then the ACH/Wire Tab 1. In the New Payment drop down, select Payment From File . 2. From the Payment Type drop down, select your Payment Type . 3. Choose a file to upload . 4. Click Save Recipients or Upload File .

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Transactions

Tokens

What are Tokens?

Tokens are a security device that adds another level of security when making wire transfer requests. FHB Online Business Center will issue a hardware token to each user authorized to Approve Wires and/ or ACH Transactions initiated through OBC. All tokens must be registered with FHB Online Business Center. The hardware token will be mailed to each user and ready to use upon arrival.

Using Tokens:

After completing a Wire or ACH Transaction, the user with Approval authority will click Approve. Click OK when the window prompts you to confirm the transaction. Then the following window will appear:

The first time a token is used, the dialog box will require users to enter two consecutive security codes. Enter Security Code 1, wait 30 seconds for a new number to appear on the token, and key the second number in the Security Code 2 field. The Security Code keyed must match the numbers expected by our online banking system in order for the wire transfer to successfully transmit. The wire transfer will not transmit without a successful match. For assistance with your token, contact our Cash Management Department.

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Transactions

ACH Pass Thru

If you use an accounting software package that can generate a NACHA formatted file of ACH transactions, you can upload it to our system using this page. The ACH Pass Thru functions allows you; 1. Upload complex NACHA formatted files that include multiple batches, and 2. contains SEC codes other than PPD or CCD 3. ACH Files can be balanced or unbalanced. Care should be taken when uploading a file using ACH Pass Thru as the file will not be verified prior to processing. Any errors may result in transactions being rejected.

To Import ACH Transactions:

Click on the Transactions tab, then click on ACH Pass Thru . 1. Indicate which file you would like to import. 2. Choose the: Process Date - is the date the bank will process the file, which maybe be different than below. Settlement Date \ Effective Date - this is the date when the receivers will get the funds into their account (for credit transctions). 3. When finished, click Draft or Approve .

Process Date is the date the bank will process the ACH file, which may be different than the settlement date for your transactions.

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Transactions

Activity Center

The Activity Center contains pending and processed transactions initiated within online banking such as funds transfers. The Activity Center does not include transactions that you make by other means such as check transactions these types of transactions are shown on the Account Details page once they are processed and clear your account.

To View Online Single Activity:

Click on the Transactions tab, then click on Activity Center . 1. You can choose to view Single Transactions by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Filters for additional search options. Click Apply Filters when you are satisfied with your filter criteria. 4. You can search transaction descriptions by typing a word or phrase in the text bar and clicking Search . 5. Select Actions to perform additional functions such as Cancel a transaction, Inquire to compose a Secure Message to FHB Online Business Center, Copy a transaction, or Print Details to print a copy of your Transactions.

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Transactions

Activity Center

The Activity Center shows transaction activity initiated through FHB Online Business Center. Depending on the type of account and access, you can review, approve and cancel unprocessed transactions. Whether single or recurring transactions, you can view debits/credits and verify the status, type, amount, account and date of your online activity.

To View Online Transactions:

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Transactions

Activity Center

Click on the Transactions tab, then click on Activity Center . 1. You can choose to view Single Transactions or Recurring Transactions by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Filters for additional search options. Click Apply Filters when you are satisfied with your filter criteria. 4. You can search transaction descriptions by typing a word or phrase in the text bar and clicking Search . 5. Select Actions to perform additional functions. In Recurring Transactions you can Cancel Series of transactions, Copy a transaction, View transactions in a series or Print Details to print a copy of your Transactions. In Single transactions you can Select Actions to perform additional functions such as, Cancel a transaction, Inquire to compose a secure message to FHB Online Business Center, Copy a transaction or View transaction in a series or Print Details to print a copy of your Transactions

Treasury customers can easily view status and ownership as well as the process workflow for each transaction.

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Transactions

Tax Payment

Never run to the local branch with a tax payment check again. Initiate a Federal or State tax payment through EFTPS from your home or office up to 30 days in advance.

To Initiate a Tax Payment:

Click on the Transactions tab, then click on Tax Payments . 1. Using the drop-down menu, select the Tax Authority . 2. A list of tax payment forms will appear. Choose your tax payment simply by clicking on it. 3. Enter the required information for the payment, then click Draft or Approve .

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Transactions

Funds Transfer

FHB Online Business Center enables you to transfer funds between your own company accounts quickly and easily.

To Transfer Individual Funds:

Click on the Transactions tab, then click on Funds Transfer . 1. Select Individual Transfers . 2. Select the accounts that you wish to transfer funds From and To using the drop-down menus. 3. Enter the dollar amount and date to process the transaction. 4. (optional) If you wish to setup a recurring transaction, click the checkbox Make this a recurring transaction . New input fields will appear and you will need to specify the frequency and date range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under the Start Date. 5. When you have finished entering all of the needed information, select Transfer Funds . 6. If successful, a screen with an overview of your transaction will appear. All funds transfers will appear in the Activity Center whether immediate or future dated. You can view them at this time or click Close and review at your convenience. You can view or cancel unprocessed

transactions by accessing the Recurring Transfer tab within the Activity Center.

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Transactions

Funds Transfer

To send to Multi-Account transfers:

Step One:

Click on the Transactions tab, then click on Funds Transfer . 1. Select Multi-Account Transfers 2. If you already have a template saved, select a template. If you are sending a new transfer decide if this will be recurring or single. If it’s recurring select Create Template if it isn’t select a template then Transfer Funds . 3. If you have user access and are creating a template, enter your template name. 4. Click Next .

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Transactions

Funds Transfer

Step Two:

1. From the drop downs select your To and From Accounts. 2. If you wish to repeat a specific transfer. Click each time you would like to repeat the same transfer. 3. To add more transfers enter how many more transfer you need then click Add . 4. To delete extra transfers click . 5. If you are sending from a template, to turn off certain transfers select to turn off for this transaction. 6. Click Next .

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Transactions

Funds Transfer

Step Three:

1. If all transfers occur on the same date be sure the “ Use same date for all ” box is selected and enter the date from the “ Select Date ” drop down. 2. If all transfers occur on a different date uncheck “ Use same date for all ” box and use Transfer Date drop down to enter the transfer date. 3. To leave the same memo for all transactions enter memo then click Push to All . If not click the to enter an individual memo for each transfer. 4. If you are making a template be sure to hit Save . 5. Then click Transfer Funds .

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Transactions

Recipients

A recipient is any person or business with whom your business may exchange funds. You can send or receive payments from a recipient. After a recipient is created, you can include them in multiple payments or templates simultaneously. Each recipient entry contains the recipients contact and account information.

To Add a Recipient:

Click on the Transactions tab, then click on Recipients . 1. Click the Add Recipient button on the right. 2. Fill out the required information regarding the recipient. Fields marked with an asterisk are required fields. 3. Click the Add Account button on the right. A new tab will appear called “Account New”. 4. Select the Account Type and enter the account and routing number. 5. (Optional) If you plan to use the account with wire transfers you will need to enter the Name, Country and postal address . 6. When finished, click Save Recipient.

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Transactions

Recipients

To Edit or Delete a Recipient:

Click on the Transactions tab, then click on Recipients . 1. Find the recipient whose rights you would like to change; click the Edit icon: 2. Change any information needed. Click Next .

3. Change any information needed. Click Save Recipient. 4. To add another account, click Add another account. 5. Edit from a specific template, click Access . 6. To delete a recipient, click .

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Transactions

ACH Set Up

Subsidiaries are secondary or alternate company profiles that you can use when creating a payment or a template. Use subsidiaries when your business requires that you create transactions for multiple entities. If you operate a relatively small firm with just a few accounts, this section may not apply to you. If you would like to set up a subsidiary, please contact our Cash Management Department for assistance.

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Transactions

Wire Activity

Wire Activity shows wires initiated through FHB Online Business Center. You can view the receiving institution, processing date, amount, account and date of your online activity.

Click on the Transactions tab, then click on Wire Activity . 1. Click on a transaction to view more details. 2. Click Filters for additional search options. Click Apply Filters when you are satisfied with your filter criteria. 3. You can search transaction descriptions by typing a word or phrase in the text bar and clicking Search .

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Reports

Create/View Reports

Use FHB Online Business Center to run reports of your payments and transactions. These reports, depending on which report you run, can be saved to your computer or device as PDF, XLS, or BAI.

To Create a Report:

Click on the Reports tab. 1. Select your report under Create New Reports options on the right side. 2. One the next screen you will be able to specify the settings for this report. Depending on the report you choose, variables include: choosing an account, date range and choice of how often the report is scheduled to be run.

3. When you are satisfied with your report options, click Save . 4. To view, edit your saved reports, or run a report, click the

icon.

5. To view an existing report, click the icon.

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Administration

Company Policy Overview

If your company has complex banking needs, such as high transaction volumes, ACH/ Wire transfers or a large number of employees, Treasury Management features offered through FHB Online Business Center will help simplify your daily needs. You can manage entitlements, send and receive payments and generate reports. Begin by defining entitlements at the company level from the Company Policy page. Then specify user roles that set limits and rules for individuals or user groups. Company Policy Overview:

Click on the Company Policy tab. 1. Click the transaction type to define entitlements at the company level. 2. This screen is where you will define parameters on Allowable Actions including: Draft Amount, Approvals, Subsidiaries, Accounts, Hours, Locations and IP Addresses. 3. Click on the Approval Limits tab and to view and modify the approval limits at the company level. 4. Click the Add New Allowable Action button to add a new set of criteria. 5. You can use the Policy Tester to test an example transaction. 6. After changes have been initiated a Save button will appear at the top of the page. Click Save and Close .

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Administration

Features and Accounts

Features:

From the Company Policy tab, select the Features tab across the top 1. View all of the allowable rights at the company level. You can define rights features from the User Roles tab. 2. After changes have been initiated a Save button will appear at the top of the page. Click Save and Close .

Accounts:

From the Company Policy tab, click the Accounts tab across the top. 1. Here you can view the Accounts associated within your company and define account viewing rights from the User Roles tab. 2. After changes have been initiated a Save button will appear at the top of the page. Click Save and Close .

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Administration

Add a User

Users are easy to create. Giving each individual their own login to your online banking accounts gives you the ability to restrict accounts that they can see and functions that they can perform.

To Add a New User:

Click on the Administration tab, then click on Users . 1. To create a new user click Add User on the right.

2. Be sure to input a unique login ID and password that will be used by this user. 3. You can assign a User Role at this point or leave it unassigned and assign it later. 4. When finished, click Save .

After you click save, you will be immediately begin Assigning User Rights.

Users can edit their personal information through the Profile tab fromwithin their own account.

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Administration

Assign User Rights

Once you have created a user, you can now assign rights.

Overview lists the rights and limits the user has for each type of transaction. Features lists the features assigned to the user. Accounts lists the accounts the user can access.

To Assign User Rights:

1. Details of the user will appear. You can view transaction types and indicate whether you want this user to have the ability to: Draft, Approve, Cancel or View the transaction. Simply click on the check mark to disable the rights. - User View = can view own activity only - View All Transactions = can view activity by all users - Cannot View = cannot view activity by any user You can set limits on the number and dollar amount of transactions a user can approve. Click on the Transaction Type name link to update user limits

Approvers must have “View All Transactions” view rights enabled.

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Administration

Assign User Rights

2. Under the Features tab you can choose which rights you want this user to have. Dark colored features indicate they are active. To deactivate a feature, simply click on it and the box surrounding it will turn white, signifying that it is inactive. Manage Templates On - create, edit, and delete any type of template Manage Recipients On - create, edit, and delete recipients - add or remove recipients to/from templates Manage Users On - add and delete users - edit features, accounts and limits for any user. (see below)

Can View All Recipients Allow One Time Recipients

These two options work together in a variety of scenarios. Ask Cash Management team member for more details.

Enable Wire Upload or Enable Recipient Upload 3. Under the Accounts tab, you can choose which accounts this user is able to View, as well as allowances to Deposit funds or Withdraw funds. 4. Be sure to click Save when finished.

A user who has the User Management feature assigned can change his or her own rights and limits, so be sure to limit which users have the User Management feature assigned.

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Administration

Edit or Delete a User

Adding Users and specifying their individual rights and what features each individual has access to helps create security controls within your organization or business.

To Edit or Delete a User:

Click on the Administration tab, then click on Users . 1. Find the user whose rights you would like to change; click the Edit icon: 2. To Edit a User : You can Deavtivate User or change their User Roles . 3. If you update their role, be sure to click Update Role after you have selected their new role. 4. To Delete a user: click Delete , then Yes to verify the delete. Click Close when you are finished.

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Commercial

User Roles

A user role is comprised of a set of rules that governs access to features, accounts and transaction types that can be assigned to multiple users. For example, you can define the differences in access that a payroll administrator would have in comparison to your payroll clerks, or a location manager compared to an owner. This feature allows you to setup checks and balances within your processes.

User Roles:

Click on the User Roles tab. 1. A new user role can be created by clicking Create Role or you can choose to Copy a role if the roles will be similar. 2. To review roles assigned to a user role, click on the name of the user role you wish to view or edit. 3. If you know that you would like to edit the roles, click on the icon next to the user that you would like to edit, or you can click the icon at the top of the page once reviewing the rules. 4. For each Transaction Type , define allowable actions, rights and approval limits as well as Features and Accounts for which that user will have access. 5. You can choose to Delete a User Role in the list of available User Roles or at the top of the page once reviewing the rules.

Limits and allowances created in User Roles are further limiters to what is allowed at the company level. Restrictions may not exceed the limits set in the Company Policy.

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