Quick and Easy 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.

II

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

1

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 ............................................................................20 ACH Pass Thru .....................................................................................21 Tax Payment .........................................................................................24 Funds Transfer ....................................................................................25 Recipients ..............................................................................................26 ACH Set Up ............................................................................................30 Administration Add a User .............................................................................................31 Edit or Delete a User ........................................................................35 Services ACH Block Request ............................................................................36 Check Reorder ....................................................................................37 Stop Check Payment ........................................................................38 Positive Pay Introduction ..........................................................................................39 Upload Issue File ................................................................................40 Manually Enter a Check ..................................................................41 Void a Check .........................................................................................42 Managing Exceptions .......................................................................43 Reports ...................................................................................................44

2

Settings Account Preferences ........................................................................45 Alerts ........................................................................................................46 Security Alerts ......................................................................................47 Profile ......................................................................................................48 Security Preferences ........................................................................49 Locations Branches and ATMs ..........................................................................50

3

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).

4

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.

5

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.

6

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

7

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.

8

General Information

New Enrollment

1. From 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. 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 5 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. On first login, you can update the profile screen. Review and make the necessary changes when you are finished, 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.

9

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 5 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. On first login, you can update the profile screen. Review and make the necessary changes when you are finished, 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.

10

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.

11

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.

12

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.

13

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.

14

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: Step One: Adding Recipients

Click on the Transactions tab, then click on ACH/Wire . 1. Click New Template if you are going to be sending this payment more than once or click New Payment to create a one-time payment. 2. (Template Only) Enter a name for your template then click Next .

15

Transactions

ACH/Wire

3. Select appropriate ACH Class Code; PPD for consumer transactions and CCD for Corporate Transactions. 4. Choose a recipient by finding their name using the search bar or by checking the box next to their name. 5. (Optional) If you have the Manage Recipients right, you can add a new recipient and remain within your payment template. Click the New Recipient button and follow the steps on page 26 if needed. Once you are finished, you will return to your template. 6. Enter the Amount you wish to pay them. You can also include an Addendum. 7. Once you have entered the recipient(s) you need and entered payment amount to the recipient(s), click Next .

16

Transactions

ACH/Wire

Step Three: Account

1. Choose the Account you wish to withdraw from. 2. Click Next when finished.

17

Transactions

ACH/Wire

Step Four: Review & Submit

1. Select the Effective Date (payment date). 2. Click Draft or Approve depending on user rights, .

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.

18

Transactions

Dual Authorization

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, approve a transaction using the Actions drop-down 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 .

19

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 .

20

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 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 transactions). 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.

21

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:

22

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.

23

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 .

24

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.

25

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. • For ACH Recipient’s, please enter the name of the person or company in the Recipient’s ACH Name field. • For Wire Recipients, please enter the name of the person or company in the Recipient’s Wire Name field. 3. Click the Next button on the right. A new tab will appear called “Account New”.

26

4. Select the Payment Types Allowed • ACH Only • Wire Only • ACH and Wire 5. Choose a Beneficiary Type, this step is only needed if you select Wire Only or ACH and Wire. 6. Select the International Account Type, this step is only needed if you selected International as your Beneficiary Type if you are send the recipients only wires or ACH and wires. 7. Fill in the needed information. The fields will change depending on your Payment Type Allowed, Beneficiary Type and Intermediary Account Type. Refer to the table to see what information is needed base on your selection. 8. When finished, click Save Recipient.

Refer to the table to see what information is needed base on your selection

27

Allowed Payment Types Table

International IBAN & SWIFT/ BIC

International IBAN

International SWIFT/BIC

Domestic

• Account Type • Account # • FI Name • ACH Routing #

N/A

N/A

N/A

ACH Only

• Account # • FI Name • Beneficiary FI Information • Wire Routing # • Intermediary FI Information • Account Type • Account # • FI Name • Beneficiary FI Information • Wire Routing # • Intermediary FI Information

• FI Name • Beneficiary FI Information • IBAN • Intermediary FI Information

• Account # FI Name • Beneficiary FI Information • SWIFT/BIC • Intermediary FI Information • Account Type • Account # • FI Name • ACH Routing # • Beneficiary FI Info • SWIFT/BIC • Intermediary FI Information

• Account # • FI Name • Beneficiary FI Information • IBAN • SWIFT/BIC • Intermediary FI Information • Account Type • Account # • FI Name • ACH Routing # • Beneficiary FI • IBAN • SWIFT/BIC • Intermediary FI Information

Wire

• Account Type • FI Name • ACH Routing # • Beneficiary FI Information • IBAN • Intermediary FI Information

ACH & Wire

28

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 the contact information needed. Click Next . 3. Change any account 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.

29

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.

30

Administration

Add a 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.

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. When finished, click Save .

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

31

Administration

Assign 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.

To Assign User Rights:

Click on the Administration tab, then click on Users . 1. Click the Edit Icon . 2. Click the Assign Rights button to begin assigning user rights.

32

Administration

Assign User 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.

3. 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 = Can view transactions by others in this role. - 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.

33

Administration

Assign User Rights

4. 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, 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 5. 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. 6. 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.

34

Administration

Edit or Delete a User

Authorized users with the Manage Users right can make changes to existing users at any time. This is especially beneficial if someone’s job title changes or their approval limits need to be adjusted.

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, click the Assign User Rights. 3. To delete a user, click Delete , then Yes to verify the delete. Click Close when you are finished.

35

Services

ACH Block Request

With the ACH Block Request feature you can let us know what ACH transactions, if any, should be permitted to post to your company’s checking account. This gives you full control of your ACH transactions and decreases your risk from unauthorized ACH transactions coming through your account. To use the ACH Block Request feature, you must subscribe to the Debit Block service. Please contact Cash Management for more information.

To Send an ACH Block Request:

Click on the Services tab, then click on ACH Block Request . 1. Input the account number. 2. Select “Block” or “Allow Only” from the Action drop down. 3. Enter the Name of Originating Entity . 4. Enter the Company Identification Number . 5. Select the box indicating you understand that First Hawaiian Bank will act solely on the information provided below and will not verify the accuracy of any information provided. You also understand that this Change Request will become effective within three business days after acceptance by First Hawaiian Bank. 6. Click Submit .

36

Services

Check Reorder

With online banking, you can conveniently reorder checks online.

If you notice that you are missing checks, please contact us right away so that we can take precautions to safeguard against identity theft and fraud.

To Order Checks:

Click on the Services tab, then click on Check Reorder . 1. Choose the account for which you would like checks ordered. 2. You will be redirected to Harland Clarke’s website to complete your order.

37

Services

Stop Check Payment

If you’re ever worried about a pending written check, you can initiate a stop payment request to prevent that check from being cashed. Once approved, the stop payment remains in effect for 6 months. If you need the current fee information, please call us during our business hours at 636-394-2116. Contact our Cash Management Department for current fee information.

To Initiate a Stop Payment Request:

Click on the Services tab, then click on Stop Payment . 1. Choose request type; single or multiple checks. 2. Click on each category header on the left to select an account, enter a check number, amount and choose the date of the check. 3. When entering the check number or amount, be sure to click Save . 4. When completed, click Send Request .

38

Positive Pay

Introduction

Positive Pay is a feature available to our commercial customers that will help to minimize or eliminate check fraud to prevent losses, provide easier management of Voids and Stop-Payments, and simplify month-end checking account reconciliation. With Positive Pay, you submit an electronic file each day detailing the checks your business issues. As each check is presented for payment, the Positive Pay system electronically compares it to the information in your file. If an item does not match the record you provide, it is flagged as an exception and referred back to you for a payment decision. Click on the Services Tab, then click on Positive Pay . This will open a new browser window for Positive Pay. When exiting Positive Pay, you should always use the Sign Out button located in the upper-right hand corner of the page. To Access Positive Pay:

39

Upload Issue File

Positive Pay

To Upload an Issue File:

Select Submit Issued Check File from the Transaction Processing menu. 1. Click Choose File and locate the file to be uploaded. 2. Use the Account ID dropdown list to select the account the issue was drawn from. 3. Select the previously mapped file type from the File Processing Type . 4. Click Process File . The file processing status will display at the bottom of the page.

40

Positive Pay

Manually Enter a Check

To Manually Enter a Check:

Select Add New Issued Check from the Transaction Processing menu. 1. Use the Account ID dropdown list to select the account the issue was drawn from. Also, enter the check number , amount of the check , date issued, and payee information into the provided fields. 2. When you click Add Check , a confirmation of check added will display at the top of the page. A table of newly issued checks will appear at the bottom.

Multiple checks may be added in sequential order or may be added by clicking the Auto-Increment Check Number.

41

Positive Pay

Void a Check

To Manually Void a Check:

Select Void a Check from the Transaction Processing menu. 1. Use the Account ID dropdown list to select the account the issue was drawn from. Also, enter the check number , amount of the check , and date issued into the provided fields. 2. Click Find Matching Check and the check information will populate under Step 3 on the page. 3. Review the check and click Void Check when ready to complete the action.

42

Positive Pay

Managing Exceptions

While processing your checks, the Positive Pay system will send you an e-mail notification if there are any exceptions to review. Exceptions represent two types of items: Items that don’t match check issues submitted by the client to the bank, or items attempting to clear an account where the Positive Pay service is set to run in reverse, requiring client review of all items.

The Exception Type tells you why the item is listed. This can include: > Duplicate Paid Item: Item was previously paid. > Paid Not Issued: Bank was never notified of the item issuance. > Stale Date Item Paid: Item was issued longer than 180 days ago. > Stop Pay Request Match: Item matches a stop payment. > Voided Item: Item was previously voided.

To Manage Exceptions:

Selecting Quick Exception Processing from the Exception Processing menu. 1. The page can be filtered by Account ID , Display Type , or Status . 2. Using the Hide Exceptions Already Decided option will display only items requiring a pay or return decision. Decisions on exceptions must be made by 9:45 a.m. HST. Any items left undecided will be returned. All users will be placed into read-only mode after the cut-off time to prevent changes to the automated decision. 3. After review, use the Pay/Return Decision box to indicate whether the item should be paid or returned. If you select Return, you can add a reason for the return for later reference. 4. Click Update to submit the decisions.

43

Positive Pay

Reports

Positive Pay offers robust reporting functionality, found in multiple locations within the system. This allows you to keep track of payments and debits on your accounts.

In the Transaction Processing menu: > Review Checks: Will display all issued checks for the specified Account ID. It includes all outstanding issued items, paid items, and exceptions. In the Transaction Reports menu: > All Checks: Provides a report of all checks with filter capabilities for clients with multiple accounts and other criteria. > Outstanding Issued Checks: Provides a list of all issued checks that remain outstanding. > Paid Checks: Shows a listing of all previously paid checks. > Stops and Voids: Shows a report of items marked as stop pay or void. > Exceptions Items: Shows a list of all items flagged as exceptions. > Stale Dated Checks: Provides a list of all checks considered to be stale dated, which were issued longer than 180 days prior to registration. > Check Reconcilement Summary: Provides a list of newly issued, paid, and stop/ void checks. The report also shows a listing of outstanding checks as of the selected reconcilement date. In the System Reports menu: > Issued Check File: This report provides you with a log of all issued check files that have been electronically submitted in the Positive Pay system.

44

Settings

Account Preferences

The Home page and your accounts should appear in a way that is fitting for you. The names of accounts, order in which they appear on the Home page, order of account groups and names of account groups can be changed in Account Preferences to suit your needs.

To Set Up or Change Your Account Nicknames:

In the Settings tab, click Account Preferences . 1. Select the up or down arrows on the right side to change the order that your accounts appear in. 2. Use the Visibility switch to toggle whether or not your account is visible on the Home page. 3. Click the Edit icon to change the nickname of a group or an account. Make your changes and click the check mark to save it. 4. Click Nickname Account to change an account name. 5. Using the Accounts drop-down to change the group an account is in.

45

Settings

Alerts

You can create and manage alerts to remind you of important dates, warn you about the status of your accounts, and when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the delivery option to receive that alert. All alerts will automatically be sent to your OBC account via Secure Messages, regardless of the additional delivery preferences you have chosen. To Edit Alert Delivery Preferences: You can create specific Date, Account, History, Insufficient Funds, Transaction, and Security Alerts and edit their delivery methods.

Delivery methods include:

• Secure Message (Only within OBC) • Email • Phone • (SMS) Text Message

To Set Up new Alerts:

Click on the Settings tab, then click on Alerts . 1. To create a new alert, click the New Alert drop-down button. Choose the type of alert that you wish to create from the drop-down. A new screen will appear where you can enter the necessary information. Be sure to click Save when finished. 2. To view the alerts for each category, click the category header. 3. You can easily toggle an alert On/Off without deleting the alert by toggling the Enabled button. 4. To view or change details of an already-existing alert, choose the Edit link on the right end of the alert you would like to edit. Be sure to click Save after you change any alert details.

46

Made with