InfoTekies Corporation

BB&T

TREASURY SERVICES

CASHMANAGER ONLINE

USER MANUAL

WIRE TRANSFER

Version 1-04

“You can tell we want your business…”

BB&T CASHMANAGER ONLINE TABLE OF CONTENTS

User Manual Revision 1-04

TABLE OF CONTENTS

Subject Page WIRE TRANSFERS WIRE-1 – WIRE-44 Introduction WIRE-1 Create Wire from Template WIRE-2 Create Wire Free-Form (FED) WIRE-4 Create Wire Free-Form (International) WIRE-7 Approve Wire WIRE-10 Modify/Delete Wire WIRE-12 Create Fed Template WIRE-15 Create International Template WIRE-19 Create Draw-Down Template WIRE-23 Create Template From Existing WIRE-24 Approve Template WIRE-26 Modify/Delete Template WIRE-28 Quick Entry Wire Group Quick Entry Wire Adding Template Group

WIRE-30 WIRE-32 WIRE-34

Modify Template Group WIRE-36 Delete Template Group WIRE-38 Transfer Report WIRE-39 Template Report WIRE-41 Stale Dated Report WIRE-43 Wire Status/Codes Definitions WIRE-44 GLOSSARY FAQ APPENDIX E – CONTACTS/VITAL TIMES

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Introduction

User Manual Revision 1-04 WIRE-1

INTRODUCTION - WIRE TRANSFERS

The Wire Transfer system enables you to initiate, approve, modify, and delete wires, both internationally and domestically (U.S.). Other functions include the ability to generate reports showing transfers and templates, and an Import/Export option that provides the ability to import wire transfer records and wire templates into CashManager OnLine.

Processing time for outgoing wire transfers is between Monday thru Friday, 8:00 a.m. (EST) and 5:00 p.m. (EST).

For international wire transfers, please allow up to ten (10) business days before inquiring about non-receipt of funds from the beneficiary.

Correct and complete wiring instructions need to be obtained from the beneficiary. These instructions include: bank routing number, bank name, bank address (international), beneficiary account number, beneficiary name, and beneficiary address.

Special characters such as !@#$%^&*()_+={}\?><~`[] and | are not allowed. Only letters, numbers, commas (,) and decimals (.) are allowed.

Field labels preceded by an asterisk (*) are required fields.

The following topics are discussed in this section.

Enter, approve, modify, delete wire transfers

Generate reports

Setup wire and template import rules

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Create Wire From Template


CREATE WIRE FROM TEMPLATE

An active template is required.

The following procedures are to create a wire from a template:

1. Go to Wire Transfer, Create / Maintain Wire and click From Template.

2. The Create Wire From Template screen is displayed.

Create Wire From Template screen 3. Enter the Template ID, select the Type and/or select the appropriate Bank|Account

No.|Account Name|Curr from the drop-down menu. 4. Click the Search button. 5. The Create Wire From Template Results screen is displayed.

Create Wire From Template Results screen 6. Click on the Template ID hyperlink.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Create Wire From Template


7. The Create XXX Wire From Template screen is displayed with the appropriate

template.

Create XXX Wire From Template

8. Enter the value date, amount and, if needed, any payment details. 9. Click the Preview button. 10. The Create XXX Wire Preview screen is displayed.

Create XXX Wire Preview screen

11. Click the Submit button. 12. The Create XXX Wire Results screen is displayed.

Create XXX Wire Results screen 13. Click the OK button. 14. The Welcome screen is displayed.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Free-Form Fed Wire


FREE-FORM FED WIRE

Suggestion: These type of wires should be primarily used as a single event domestic transaction.

The following procedures are to create a U.S. wire from a free-form. A free-form wire is also known as a non-repetitive wire transfer:

1. Go to Wire Transfers, Create/Maintain Wire; and click Free Form.

2. The Wire Message Type Selection screen is displayed.

Wire Message Type Selection screen

3. Click on FED for a wire transfer within the United States or its territories. 4. The Create FED Free Form screen is displayed.

Create Free Form screen



5. Verify the Message Type is Fed. 6. Select the BB&T account to be debited from the drop-down menu. 7. Enter the amount of the wire transfer in the Amount field. 8. Enter the date of the wire transfer in the Value Date field by entering the date (dd-mmm-

yyyy, e.g., 27-MAR-2003), or click on the calendar icon to select the date from the calendar box.

9. Verify Curr is USD. 10. In the Beneficiary Information section, click on the Bank Search button. 11. The Bank Search Criteria window is displayed in a separate browser window.

Bank Search Criteria window 12. Select “F” in the ID Type field. 13. Enter data in one or more of the following fields: ID (routing number/ABA), Bank Name,

City, State or Providence, Postal Code or Country. 14. Click the Search button. 15. The Bank Search Criteria screen is displayed.

Bank Search Criteria window 16. Click the radio button next to the bank to be used. 17. Click the Submit button. 18. The window is closed and the data for the bank automatically populates the fields in the

Create FED Free Form screen. 19. Enter the Beneficiary Account number. (maximum 20 characters) 20. Enter the Beneficiary Name. (maximum 35 characters) 21. Optional: Enter the Beneficiary Address (3 fields available). (maximum 35 characters per line) 22. Optional: Enter any payment details in the Payment Details 1 and Payment Details 2.

If an Intermediary Bank is required, click the Bank Search button in the Intermediary Bank section and repeat Steps #11 through #17.



23. Scroll down to the Originator section. This section is automatically filled with the user’s information, however it can be modified.

24. Click the Preview button to verify entries. 25. The Create FED Wire Preview screen is displayed with the entered data to be reviewed.

Create FED Wire Preview screen 26. Click the Submit button. 27. The Create FED Wire Results screen is displayed.

Create FED Wire Results

For status definition, go to Status/Codes Definitions for Wire Transfers. 28. Click the OK button. 29. The Welcome screen is displayed.

Welcome screen

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Free-Form International Wire


FREE-FORM INTERNATIONAL WIRE

Suggestion: These type of wires should be primarily used as a single event international transaction.

The following procedures are to create an international wire from a free-form, this type of wire is also called a non-repetitive wire transfer:

1. Go to Wire Transfers, Create/Maintain Wire; and click Free Form.

2. The Wire Message Type Selection screen is displayed.

Wire Message Type Selection screen

3. Click on INT for a wire transfer within the United States or its territories. 4. The Create Free Form INT screen is displayed.

Create Free Form INT screen 5. Ensure the Message Type is INT. 6. Select the BB&T account to be debited from the drop-down menu. 7. Enter the amount of the wire transfer in the Amount field. 8. Select the currency of the wire transfer from the Curr drop-down list.



9. The currency will determine the earliest effective date, or you can enter the date of the wire in the Value Date field by entering the date (dd-mmm-yyyy, e.g., 27-MAR-2003), or click on the calendar icon to select the date from the calendar box.

10. The Exchange Rate is automatically calculated, depending on the selected currency. 11. The Debit Amount is automatically calculated, depending on the entered amount and

selected currency. 12. Scroll down to the Beneficiary Bank section.

Beneficiary Bank section

13. Optional: Enter the Bank ID, such as the SWIFT or CHIPS code. 14. Enter the Bank Name. (maximum 34 characters) 15. Enter the Bank Address. (maximum 35 characters per field) 16. Scroll down to the Beneficiary section.

Beneficiary section 17. Enter the Beneficiary Name. (maximum 34 characters) 18. Enter the Beneficiary Account Number. 19. Enter the Beneficiary Address. (maximum 35 characters per field) 20. Optional: Enter any payment details in the Payment Details 1 and Payment Details 2.

If the operator elect to include a US Intermediary Bank, complete Steps #21 through #28.

21. Scroll down to the Intermediary Bank 1 Information section.

Intermediary Bank 1 Information section 22. Click Bank Search by the Intermediary Bank section.



23. The Bank Search Criteria window is displayed.

Bank Search Criteria window

24. Select “F” in the ID Type field. 25. Enter or select data in one or more of the following fields: ID, Bank Name, City, State or

Providence, Postal Code or Country. 23. Click the OK button. 24. The results are displayed in the Bank List.

Bank Search Results window

25. Click the radio button next to the bank to be used. (JP Morgan Chase is the example used) 26. Click the OK button. The information automatically fills in the beneficiary bank's

information. 27. Scroll down to the Originator section. This section is automatically filled with the

user’s information, however it can be modified. 28. Optional: Scroll down to the Regulatory Reporting section. This section is can be used

for additional instructions. 29. Click the Preview button to verify entries. 30. The Preview International Wire screen is displayed.

Preview International Wire screen

31. Click the Submit button. 32. The Create Wire Results screen is displayed.

Create Wire Results (international)

33. Click the OK button. 34. The Welcome screen is displayed.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Approve Wire


APPROVE WIRE

This function allows you to approve wire transfers that you are entitled to approve. You will be given a choice of approving or skipping each displayed transfer. The following procedures are to approve entitled wire transfers:

1. Go to Wire Transfer, Create / Maintain Wire and click Approve.

2. The Approve Wire(s) List screen is displayed.

Approve Wire(s) List screen 3. Do one of the following:

A. To review a wire, select the check box next to the wire to be reviewed in the Review column. To review all wires, select the check box in the heading.

B. To approve a wire, select the check box next to the wire to be approved in the Approved column. To approve all wires, select the check box in the heading.

7. Click the Submit button. 8. One of the following will occur:

A. If the wire is being reviewed, the Approve Selected Wire(s) screen is displayed. Go to Step #10.

Approve Selected Wire(s) screen

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Approve Wire


B. If the wire is being approved, the Approve Selected Wire(s) Results screen is displayed with the total number of wires selected, the total number of pending and released wires, and details for each wire.

Approve Selected Wire(s) Results screen

9. Click the OK button. 10. If there are wires to be reviewed, the details for the first wire are displayed on the Review

Selected Wires screen. 11. Do one of the following:

A. Click the Approve button to approve the wire. B. Click the Skip button to skip the wire without approving it. C. Click the Cancel button to return to the main menu.

13. Repeat Step #11 to review each wire. After all wires have been processed, you will return to the main menu.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Modify/Delete Wire


MODIFY/DELETE WIRE

Wires that have been released cannot be modified or deleted. This function allows you to make changes or delete a previously entered wire. When the wire is modified, the original wire is actually deleted and a new wire is generated with a new control number. Therefore, the modified wire may need to be approved according to the pre-established approval requirements. The following procedures are to modify/delete wire transfers:

1. Go to Wire Transfer, Create / Maintain Wire and click Modify / Delete.

2. The Modify/Delete Search Criteria screen is displayed.

Modify/Delete Search Criteria screen

3. To narrow the search parameters, specify criteria in one or more of the following fields:

• Value Date • Amount • Debit Account Number • Currency • Sequence Number • Message Type • Beneficiary Name

4. Click the Search button. 5. The results of the search display in a list on the Modify/Delete Wires screen.

Modify/Delete Wires screen



6. Click on the Beneficiary Name hyperlink to select the wire to be modified or deleted. 7. The Modify / Delete XXX Wire screen is displayed.

Modify / Delete XXX Wire screen

8. Do one of the following.

A. To modify the wire, go to Step #13. B. To delete the wire, go to Step #9.

9. Click the Delete button. 10. The Delete Transfer screen is displayed.

Delete Transfer screen

11. Click the Submit button. 12. The Delete Transfer Results screen is displayed with the status update on the deletion.

Go to Step #18.

Delete Transfer Results screen

13. Make the appropriate changes in the fields as needed. 14. Click the Preview button.



15. The Create XXX Wire - Preview screen is displayed.

Create XXX Wire Preview screen

16. Click the Submit button. 17. The Create XXX Wire Results screen is displayed with the results of the session.

Create XXX Wire Results screen 18. Click the OK button. 19. The Welcome screen is displayed.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Create Fed Template

User Manual Revision 1-04 u WIRE-15

CREATE FED TEMPLATE

Suggestion: Templates should be primarily used, if a wire is going to be initiated on a regular or consistent basis.

The following procedures are to create a FED (domestic) template:

1. Go to Wire Transfer, Create/Maintain Template and click on Create New.

2. The Template Message Type Selection screen is displayed.

Template Message Type Selection screen

3. Click FED to begin creating a Fed template. 4. The Create FED Template screen is displayed.

Create FED Wire Template screen

5. Enter a template ID in the Template ID field. (1 word containing 1 to 10 alphanumeric characters) 6. Enter a name for the template in the Template Name field. (maximum 34 characters)



7. Select the number of secondary approvals required when using this template from the Number Approvals list.

8. Enter the maximum dollar amount that can be entered when this template is used in the Transfer Limit field. (value - 0.01 to 9,999,999,999.99)

9. Enter a Template Level. (value – 1 to 999) 10. Ensure the Message Type is FED. 11. Select an account to debit. 12. Enter the maximum daily cumulative limit for this template in the Cumulative Limit

field. 13. Verify the currency as USD. 14. Go to the Beneficiary Information section.

Beneficiary Information section

15. Click Bank Search by the Beneficiary Bank section. 16. The Bank Search Criteria window is displayed.

Bank Search Criteria window 17. Select “F” in the ID type field. 18. Enter data in one or more of the following fields: ID (routing number/ABA), Bank Name,

City, State or Providence, Postal Code or Country. 19. Click the Search button. 20. The results are displayed in the Bank List.

Bank Search Results window



21. Click the radio button next to the bank to be used. 22. Click the Submit button. 23. The information automatically fills in the beneficiary bank's information. 24. Enter the Beneficiary Account Number. (maximum 20 characters) 25. Enter the Beneficiary Name. (maximum 35 characters) 26. Enter the beneficiary's address. (maximum 35 characters per line) 27. Optional: Enter any additional information in Payment Details 1 and/or Payment

Details 2.

If one or two Intermediary Banks are required, scroll down to the Intermediary Bank Information section, click Bank Search and repeat Steps #16 through #22.

Intermediary Bank Information section

28. Click the Preview button to verify the entries. 29. The Create Fed Template Preview screen is displayed.

Create FED Template Preview screen 30. Click the Submit button. 31. The Create Template Results screen is displayed.

Create Template Results screen



32. Click the OK button. 33. The Welcome screen is displayed.

Welcome screen

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Create International Template


CREATE INTERNATIONAL TEMPLATE

Suggestion: Templates should be used primarily if a wire is going to be initiated on a regular or consistent basis.

The following procedures are to create an international template:

1. Go to Wire Transfer, Create/Maintain Template and click on Create New.

2. The Template Message Type Selection screen is displayed.

Template Message Type Selection screen

3. Click INT to begin the creation an international template. 4. The Create Int Template screen is displayed.

Create Int Wire Template screen

5. Enter a template ID in the Template ID field. (1 word containing 1 to 10 alphanumeric characters) 6. Enter a name for the template in the Template Name field. (maximum 34 characters)



7. Enter a Template Level. (value – 1 to 999) 8. Select the number of secondary approvals required when using this template from the

Number Approvals list. 9. Enter the maximum dollar amount that can be entered when this template is used in the

Transfer Limit field. (value - 0.01 to 9,999,999,999.99) 10. Verify the Msg Type as INT. 11. Select an account to debit. 12. Select the type of Currency. 13. Enter the maximum daily cumulative limit for this template in the Cumulative Limit

field. 14. Scroll down to the Beneficiary Bank section.

Beneficiary Bank section 15. Optional: Select "B" for BIC or SWIFT codes; or “C” or “U” for CHIPS, from the

Bank ID Type drop-down menu. 16. Optional: Enter the Bank ID. This can be the SWIFT or CHIPS code (maximum 34

characters) 17. Enter the Bank Name. 18. Enter the Bank Address. (maximum of 35 characters per line) 19. Scroll down to the Beneficiary section.

Beneficiary section 20. Enter the beneficiary account number in the Beneficiary ID field. (maximum 34 characters) 21. Enter the Beneficiary Name. (maximum 35 characters) 22. Enter the Beneficiary Address. (maximum 35 characters per line) 23. Optional: Enter any additional information in Payment Details 1 and/or Payment

Details 2.

If a US Intermediary Bank is required, complete Steps #24 through #32. 24. Scroll down to the Intermediary Bank section

Intermediary Bank section



25. Click Bank Search by the Intermediary Bank section. 26. The Bank Search Criteria window is displayed.

Bank Search Criteria window 27. Select “F” in the ID Type drop-down field. 28. Enter data in one or more of the following fields: ID (routing number/ABA), Bank Name,

City, State or Providence, Postal Code or Country. 22. Click the Search button. 23. The results are displayed in the Bank List.

Bank Search Results window 24. Click the radio button next to the bank to be used. 25. Click the Submit button. 26. The information automatically fills in the beneficiary bank's information. 27. Scroll down to the Originator Information section to verify the pre-filled information is

correct. 26. Click the Preview button to verify the entries. 27. The Preview International Template Wire screen is displayed. 28. Click the Submit button. 29. The Create Template Results screen is displayed.

Create Template Results screen

30. Click the OK button.



31. The Welcome screen is displayed.

Welcome screen

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Create Draw-Down Template


CREATE DRAW-DOWN TEMPLATE

Suggestion: Templates should be used primarily if a wire is going to be initiated on a regular or consistent basis.

The following procedures are to create a draw-down template:

The purpose of a Draw-Down template or wire is to send a wire transfer to another bank to debit an account. This account will most likely reside at, but is not limited to, the originating company’s secondary account at a secondary bank. The procedures are the same as create a FED template, except for the wording. Instead of “FED” you will see “DRAW”. See Create Fed Template.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Create Template from Existing


CREATE TEMPLATE FROM EXISTING

The following procedures are to create a new template from an existing template:

1. Go to Wire Transfers, Create / Maintain Template and click Create From Existing.

2. The Create Template From Template Search screen is displayed.

Create Template From Template Search screen 3. Do one or more of the following to find the template which to base the new template

upon: A. Enter the first few characters of the Template ID. B. Select the message type from the Message Type list. C. Select an account number.

4. Click the Search button. 5. The results of the search are displayed in the Create Template From Template List.

Create Template From Template List screen

6. Click a Template ID in the list to select a template.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Create Template from Existing


7. The Create XXX Template From Template screen is displayed.

Create XXX Template From Template screen

8. Enter a new Template ID. (1 word containing 1 to 10 alphanumeric characters) 9. Enter a new Template Name. (maximum 34 characters) 10. Enter or select data in other fields as needed 11. Click the Preview button. 12. The Create XXX Template Preview screen is displayed.

Create XXX Template Preview screen 13. Click the Submit button. 14. The Create XXX Template Results screen is displayed.

Create XXX Template Results screen 15. Click the OK button. 16. The Welcome screen is displayed.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Approve Template


APPROVE TEMPLATE

The following procedures are to approve a template:

1. Go to Wire Transfer, Create/Maintain Template and click on Approve.

2. The Approve Template(s) List screen is displayed.

Approve Templates List screen

3. Do one of the following:

A. To review a template, select the check box next to the template to be reviewed in the Review column. To review all templates, select the check box in the heading.

B. To approve a template, select the check box next to the template to be approved in the Approve column. To approve all templates, select the check box in the heading.

4. Click the Submit button. 5. One of the following will occur:

A. If selected for approval, the Approve Selected Template(s) Results screen displays the confirmation details for those selected templates. Go to Step #6.

Approve Selected Template(s) Results screen

B. If selected for review, the Approve Selected Template(s) screen is displayed with

the details of the first listed template. Go to Step #8.

Approve Selected Template(s) screen

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Approve Template


6. Click the OK button. 7. If the templates have been approved, you will return to the home screen. 8. Do one of the following:

A. Click the Approve button to approve the template. The Approve Selected Template(s) Results screen is displayed. Click the OK button.

Approve Selected Template(s) Results screen

B. Click the Skip button to skip the current template without approving it and to review

the details for the next template. C. Click the Cancel button to return to the main menu.

9. Repeat Step #8 to review each template. After all templates have been processed, the main menu is displayed.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Modify/Delete Template


MODIFY/DELETE TEMPLATE

The following procedures are to modify/delete templates:

1. Go to Wire Transfer, Create / Maintain Template and click Modify/Delete.

2. The Modify/Delete Template Search Criteria screen is displayed.

Modify/Delete Template Search Criteria screen 3. Enter or select data in one or more of the following fields:

• Message Type • Bank|Account #|Account Name|Curr • Template ID • Beneficiary Name

4. Click the Search button. 5. The results of the search display in a list on the Modify/Delete Template List screen.

Modify/Delete Template List screen 6. Click on the Template ID hyperlink to select the template to be modified or deleted.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Modify/Delete Template


7. The Modify/Delete XXX Template screen is displayed with the selected template.

Modify/Delete XXX Template screen

8. Do one of the following.

A. To modify the wire, go to Step #13. B. To delete the wire, go to Step #9.

9. Click the Delete button. 10. The Delete Template Confirm screen is displayed.

Delete Template screen 11. Click the Submit button. 12. The Delete Template Results screen is displayed with the status update on the deletion.

Go to Step #18. 13. Make the appropriate changes in the fields as needed. 14. Click the Preview button. 15. The Create XXX Template Preview screen is displayed. 16. Click the Submit button. 17. The Create Template Results screen is displayed with the results of the session. 18. Click the OK button.

Once modified, an approval maybe required for the template to become active.

19. The Modify/Delete Template Search Criteria screen is displayed.

Modify/Delete Template Search Criteria screen

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Quick Entry Wire


CREATE QUICK ENTRY WIRE

Existing templates are required. International templates cannot be used in the Quick Entry Wire function.

The following procedures are to create multiple wires simultaneously:

1. Go to Wire Transfers, Create / Maintain Wire; Quick Entry and click on Quick Wire

Entry.

2. The Quick Entry screen is displayed.

Quick Entry screen

3. Enter a Template ID or enter at least the first character of the ID and click on the magnifying glass symbol to search. A separate browser window is displayed with all of the results. Click on the Template ID hyperlink. The ID will pre-fill in the field.

4. If the date is to be changed from the default (current day), enter the date for the wire to be sent in the Value Date field (dd-mmm-yyyy, e.g., 27-MAR-2003), or click on the calendar icon to select the date from the calendar box.

5. Enter the amount of the wire in the Amount field.

Repeat Step #3 through Step #5 for each transfer to be submitted.

6. Click the Submit button to submit batch. 7. The Quick Entry Approve Results screen is displayed. It will display the total number of

wires entered, the total dollar amount of wires that were rejected or released, and a confirmation detail for each wire.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Quick Entry Wire


Quick Entry Approve Results screen

8. Click the OK button. 9. The Quick Entry screen is re-displayed.

Quick Entry screen

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Group Quick Entry Wire


CREATE GROUP QUICK ENTRY WIRE

An international template cannot be used as a group quick entry wire. The following procedures are to create multiple wires simultaneously. This function is very similar to "Quick Entry Wire". The difference is that with this function, the user does not have to enter the template ID. The template ID is included in a group that is previously created by the user or another authorized user. To use this function, a template(s) is required.

1. Go to Wire Transfers, Create / Maintain Wire; Quick Entry and click on Quick Wire

Entry.

2. The Group Quick Entry screen is displayed.

Group Quick Entry screen

3. Select a template group from the drop-down list. 4. The Quick Entry Template Groups screen is displayed.

Quick Entry Template Groups screen

5. A check mark should be next to the template ID to be used. 6. If the date is to be changed from the default (current day), enter the date for the wire to be

sent in the Value Date field (dd-mmm-yyyy, e.g., 27-MAR-2003), or click on the calendar icon to select the date from the calendar box.

7. Enter the amount of the transfer in the Amount field. 8. Optional: Click on the Payment Details hyperlink to enter further information.

Repeat Step #5 through Step #8 for each transfer. 9. Click the Submit button.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Group Quick Entry Wire


10. The Quick Entry Approve Results screen is displayed with the total number of wires

entered during this session, the total dollar amount of wires that were rejected or released, and confirmation details.

Quick Entry Approve Results screen

For status definition, go to page WIRE-44.

11. Click the OK button. 12. The Group Quick Entry screen is re-displayed.

Group Quick Entry screen

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Adding a Template Group


ADDING A TEMPLATE GROUP

International templates cannot be added in a template group. Once the template group(s) are created, the Quick Entry Group function can be utilized. The following procedures are to add templates to a group:

1. Go to Wire Transfer, Create / Maintain Template and click Group Maintenance.

2. The Template Group Selection screen is displayed.

Template Group Selection screen

3. Select the Create radio button and select New from the drop-down list. 4. Click the Submit button. 5. The Template Group Creation screen is displayed.

Template Group Creation screen 6. Select the group maintenance level from the Template Group Type list. 7. Enter a unique identifier for the template group in the Template Group ID field. (maximum

10 characters) 8. Perform one of the tasks to add or remove templates:

A. To add a template, select the templates to be added from the Templates Not in Group box and click >.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Adding a Template Group


B. To add all templates, click >>. C. To remove a template, select the templates to be removed from the Templates in

Group box and click <. D. To remove all templates, click <<.

9. Click the Submit button to save the settings. 10. The Template Group Selection screen is re-displayed.


BB&T CASHMANAGER ONLINE WIRE TRANSFERS Modify Template Group


MODIFY TEMPLATE GROUP

The following procedures are to modify template group:



Template Group Selection screen 3. Click the Modify radio button and select the group to be modified from the drop-down

list. 4. Click the Submit button. 5. The Template Group Creation screen is displayed with the selected Template Group

ID.

Template Group Creation screen 6. Make the appropriate modifications. 7. Click the Submit button to save the settings.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Modify Template Group


8. The Template Group Selection screen is re-displayed.


BB&T CASHMANAGER ONLINE WIRE TRANSFERS Delete Template Group


DELETE TEMPLATE GROUP

The following procedures are to delete template group:



Template Group Selection screen 3. Click the Delete radio button and select the group to be deleted from the drop-down list. 4. Click the Submit button to delete the group. 5. The Deletion Confirmation box is displayed with the selected group to be deleted.

6. Click the OK button. 7. The Template Group Selection screen is re-displayed.


BB&T CASHMANAGER ONLINE WIRE TRANSFERS Transfer Report


TRANSFER REPORT

The following procedures are to generate a transfer report of any outgoing wire transfer initiated via CashManager OnLine:

1. Go to Wire Transfer and click on Reports.

2. The Reports List screen is displayed.

Reports List screen 3. Click on the radio button next to Transfer Report. 4. Click the OK button. 5. The Transfer Reports Search Criteria screen is displayed.

Transfer Report s Search screen 6. Select the Report Type. 7. Select the Date Type. 8. Select the Search By. 9. Optional: Enter the date of the report in the Start Date and End Date field by entering

the date (dd-mmm-yyyy, e.g., 27-MAR-2003), or click on the calendar icon to select the date from the calendar box.

10. Optional: Enter the Minimum Amount. 11. Optional: Enter the Maximum Amount.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Transfer Report


12. Optional: Enter the Sequence Number. 13. Select the Message Type. 14. Optional: Select the Account #. 15. Optional: Enter the Currency Code. 11. Click the Generate button. 12. The report is displayed in a separate window. 13. One of the following will occur. 14. If this is a Summary Report, a hyperlink will be present for the detail of the wire

transfer.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Template Report


TEMPLATE REPORT

The following procedures are to generate a template report of any templates entitled to be used:


2. The Reports List screen is displayed with the available reports.

Reports List screen 3. Click on the radio button next to Template Report. 4. Click the OK button. 5. The Template Report Search Criteria screen is displayed.

Template Report Search Criteria screen 6. Select the Report Type. 7. Select the Message Type. 8. Optional: Select an account number from the Account list to limit selection to a specific

account number. 9. Optional: Enter a template ID in the Template ID field to limit selection to a specific

template ID. 5. Click the Generate button to display the results of the search.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Template Report


6. One of the following will occur:

A. If this is a Summary Report, the Wire Summary Template Report screen is displayed in a separate window. (To view the details, click on a Temp ID link to display the transfer details.)

Wire Summary Template Report screen

B. If this is a Detail Report, the Wire Detail Template Report screen is displayed.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Stale Dated Template Report


STALE DATED TEMPLATE REPORT

The following procedures are to generate a template report of any templates that have not been accessed for an extended time period:


2. The Reports List screen is displayed with the available reports.

Reports List screen 3. Click on the radio button next to Stale Dated Template Report. 4. Click on the OK button. 5. The report is displayed in a separate window. 6. If there are any stale dated templates to be viewed, click on the Temp ID hyperlink.

BB&T CASHMANAGER ONLINE WIRE TRANSFERS Status/Codes Definitions


STATUS OF WIRE TRANSFERS DESCRIPTIONS

Deleted Transfer was deleted prior to processing.

Pending Transfer has an assigned sequence number, but needs additional approval before further processing can occur.

Released Transfer has all necessary approvals, has been assigned a control number, and has been accepted by the wire system. A transfer in a Released state will have additional statuses assigned to it by BB&T.

Expired Transfer was not processed by its assigned value date.

In Process Transfer was picked up for processing but has not yet received a FED Reference Number or Swift Reference Number confirmation.

Rejected Transfer was rejected by BB&T.

Processed Transfer was picked up by BB&T, but the FED or Swift Reference Number has not yet been received .

Beneficiary Bank ID Type Code Definitions

B - Bank ID Code (BIC)/SWIFT

C - CHIPS Participant

D - DDA account number

F - FED ABA/Routing Number

N - Non-bank (i.e. drivers license)

U - CHIPS ID


User Manual Revision 1-04 u Glossary

ABA Number – A nine-digit bank identifier (also known as transit or routing number) Account Analysis – An analysis performed to determine the profitability of each demand account to the bank. The analysis may also be used to determine the profitability of a group of demand accounts with the same owner. Account analysis is normally performed by the bank, but can be done by anyone in the depositor's organization provided sufficient information is available. The analysis identifies the net earnings based on the average daily ledger balance less reserved requirements and float. The net earnings can then be compared with the various activity service charges based on the volume of transactions and the per item price of the services. ACH (Automated Clearing House) – A nationwide network of financial institutions that sends electronic messages to transfer money between two parties. Addenda Record – An electronic record, which is attached to an ACH payment entry, used for the purpose of transmitting payment related information. ANSI (American National Standards Institute) – A private, non-profit organization that administers and coordinates the U.S. voluntary standardization and conformity assessment system, to include national and international standards for electronic transaction formats that are used in electronic data interchange (EDI). www.ansi.org ANSI X9.17 – Standards for authentication and key management. These standards are maintained by the American National Standards Institute and can be found at the Computer Security Resource Center (www.csrc.nist.gov).

ANSI X12 - Standards that regulate electronic data interchange (EDI), as governed by the American National Standards Institute Accredited Standards Committee. ASCII (American Standard Code for Information Interchange) – The most common format for text files in computers and on the Internet. In an ASCII file, each alphabetic, numeric, or special character is represented with a 7-bit binary number (a string of seven 0s or 1s). 128 possible characters are defined. BAI Format – A file format developed by the Banking Administration Institute that is used to transmit data information. www.bai.org Batch – The transmission or processing of a group of payment orders as a set at discrete intervals of time (as opposed to real-time processing). Cash Management – One or a combination of various techniques for accelerating cash receipts, delaying cash disbursements, effectively utilizing banking services, managing or augmenting liquidity, increasing the amount of cash available for investment, and/or increasing returns from liquid investments. CCD (Cash Concentration/Disbursement) – A (SEC) Standard Entry Class that can be either a credit or debit, where funds are either distributed or consolidated between corporate entities. This class is also used for the payment of state and federal taxes. CHIPS (Clearing House Interbank Payment System) – An international wire-system for high-value payments operated by a group of major banks. CSV (comma-separated values) – A file containing the values in a table as a series of ASCII text lines, organized so that each column value is separated by a comma from the next column's value and each row starts a new line.



CTX (Corporate Trade Exchange) – A (SEC) Standard Entry Class, either credit or debit, that is used to pay trading partners and accompanied by addenda records that relay information. Closing Available (collected) – The portion of the commercial account ledger balance for which a hold time allowing for the collection and return of deposit items has elapsed.

Closing Ledger – Total Float = Closing Available Balance or “Collected Balance” Closing Ledger (ledger or book balance) – A commercial account balance that is the result of the total debit and credit activity as of a specific date and time. There is no indication of funds availability or usability. This is sometimes referred to as book, gross, or statement balance.

Opening Ledger + Total Credits – Total Debits = Closing Ledger Balance Correspondent Bank – A bank that serves as a depository and provides banking services for another bank. See Intermediary Bank. Current Ledger – This figure is subject to change throughout the day to reflect current day Memo Debits and Memo Credits. Data Exchange – A method by which multi-bank reporting is gathered and presented to the respected user. DDA (Demand Deposit) – A deposit account that permits the depositor to withdraw funds on demand. This is usually, but not always, a checking account. Sometimes called demand deposit account. Delimited Format – A file format that can be imported using the Import Rules. It has fields that have a fixed order and are separated by a defined delimiter, such as a comma or semicolon.

Effective Date – The date on which funds will be electronically credited or debited. EFT (Electronic Funds Transfer) – An electronically based, rather than paper-based, system of transferring funds to and from accounts. Two main EFT remittance methods are wire transfers and Automated Clearing House (ACH). FRB or FED (Federal Reserve Bank) – An independent agency of the United States government that plays a central role in monetary policy, domestic payments system, and the regulation of financial institutions. Fedwire – A funds transfer and supporting information system operated by the Federal Reserve Bank. Fixed Format – A file format that can be imported using the Import Rules. It has fields that start and end at fixed positions within the file record. Float – The use of funds generated as a result of timing differences in the check-clearing system. For banks, float occurs because debits given by the Federal Reserve to a bank's reserve account for checks being cleared can be received prior to the time that the bank allows the customer who presented the check to use the funds. For depositors, float occurs because credits may be given for checks deposited or tendered for payment before the depositor's account is debited. Hold – A process by which a bank restricts funds deposited by checks. It is usually, but not always, used to restrict the proceeds of checks drawn on other banks until the funds have been transferred by the drawer’s bank to an account that the depositor’s bank maintains with the Federal Reserve. Hyperlink – Selected words or icons that can be activated (usually with the click of the mouse) to navigate to another site or location.



Import Rules – A specific ACH function to create and maintain rules of information than can be used to parse text files that are imported into CashManager OnLine. The rules can be created for two specific types: fixed format and delimited format. Intermediary Bank – A bank that serves as a depository and provides banking services for another bank. See Correspondent Bank. Lockbox – A cash management arrangement designed to reduce delays in depositing funds into the payee’s bank accounts. A post office box is established by a bank to receive checks for its cash management customers. Memo Post – An interim procedure in which credits and debits are recorded to accounts in a manner that allows financial institutions to reflect deposit information before actual posting. NACHA (The Electronic Payments Association) – The National Automated Clearing House Association is a national association of payments associations that develops operating rules and business practices for the Automated Clearing House (ACH) Network and for electronic payments in the areas of Internet Commerce, electronic bill and invoice presentment and payments (EBPP, EIPP), e-checks, financial electronic data interchange (EDI), international payments, and electronic benefit transfer (EBT). NACHA also provides information and education to its members. ODFI (Origination Depository Financial Institution) – The financial institution that receives the payment instructions from originators and forwards the entries to the ACH Operator. Opening Available – The available balance at the start of the business day following the day for which activity is reported.

Closing Available Balance + One Day Float = Opening Available Balance

Opening Ledger – The closing ledger balance of the previous day. PPD (Prearranged Payment and Deposit Entry) – A (SEC) Standard Entry Class, either a credit or debit, where funds are either credited into a consumer's account at the RDFI or debited from the consumer's account and deposited into the ODFI. Prenote (Prenotification) – A zero dollar ACH entry notifying an RDFI that an Originator will send one or more entries to a Receiver's account. RDFI (Receiving Depository Financial Institution) – This is the financial institution that receives ACH entries from the ACH Operator and posts them to the accounts of its depositors (receivers). Reversal – A function of reversing transactions that have been extracted and processed. SEC (Standard Entry Class) – A specific three-digit code that identifies an ACH application. SSL (Secure Socket Layer) – A protocol developed to ensure security and privacy. This supports authentication of client, server, or both, and encryption during a communications session. SWIFT (Society for Worldwide Interbank Financial Telecommunication) – A privately-owned electronic payments system used for funds transfers between member banks. Template – Information saved for the purpose of initiating transfer(s) on a consistent basis, eliminating the need to enter repetitive information each time. Template Level (account transfers) – The level of security access required by the operator in order to use the template to create account transfers.


User Manual Revision 1-04 Glossary

Text File – A file composed of text characters. ZBA (Zero-Balance Account) – A cash management service offered by banks. Bank checking accounts that can accept deposits and/or make disbursements but that is always maintained at a zero balance. The zero balance is maintained by transferring just enough funds from or to a concentration account to offset each day’s activity. The concentration account is sometimes called the parent account and the zero-balance account is sometimes called the child or subsidiary account.

BB&T CASHMANAGER ONLINE FAQ

User Manual Revision 1-04 u FAQ

This is a list of Frequently Asked Questions. Q: Can I change my Customer ID? A: Yes; however, if your current ID is deleted, ALL information is lost and a new ID is created. Q: How many operators can I have on CashManager OnLine? A: You may have as many operators as your administrator wants to add. Q: Can I view check images online? A: Yes; Information Reporting, Stop Payment – Check Inquiry, and Positive Pay have online

image retrieval capabilities. Q: How can I add a new service/account? A: To add new services or accounts, please contact your Treasury Services Sales Consultant at

1-800-810-5625. Q: Can I add my personal account? A: No; CashManager OnLine is only for commercial/corporate accounts. Q: What is the difference between Customer level and User level? A: Customer level allows everybody that has access to your CashManager OnLine access to that

specific template, report, or service. User level allows only that operator access to that specific template, report, or service.

Q: How can I add/modify/ delete another operator? A: To make changes to another operator, please contact your administrator or the administrator

may contact the CashManager OnLine Help desk. Q: How can I import my BAI file into my accounting software? A: Please contact your accounting software vendor. The CashManager OnLine Help desk can

assist in downloading the file and importing into an Excel spreadsheet. Q: Can I send a foreign currency wire transfer? A: Yes; CashManager OnLine permits foreign currency wire transfers. Q: Can I view my Choice Line via CMOL? A: Not at this time. Q: What is the retention period for reports? A: The retention period for reports is 45 days. Q: Can I change the ACH batch/template name at any time? A: No, but you may use the Create/Maintain Template, Create From Existing feature to copy an

existing Template and assign a new ID and Name. . Q: Can I send multiple ACH batches at one time? A: No;templates must be submitted one at a time.

BB&T CASHMANAGER ONLINE APPENDIX E – SUPPORT/PROCESSING

User Manual Revision 1-04 u APPENDIX - E

SUPPORT DEPARTMENT HOURS OF OPERATION (EXCLUDING BANK HOLIDAYS)

PHONE NUMBER

CashManager OnLine Help Desk

Monday – Friday 8:00 am – 6:00 pm EST

1-800-774-8179 option 1 & option 1

ACH Support Monday – Friday 8:30 am – 6:00 pm EST

1-800-774-8179 option 2 or 1-800-541-4853 option 1

Wire Transfer Department (fax notification & confirmation – ONLY)

Monday – Friday 8:00 am – 5:15 pm EST

1-800-682-9473 option 4

Retail Lockbox Monday – Friday 8:00 am – 6:00 pm EST

1-800-774-8179 option 3 & option 1

Wholesale Lockbox Monday – Friday 8:00 am – 6:00 pm EST

1-800-774-8179 option 3 & option 2

Sales Consulting Monday – Friday 8:00 am – 5:30 pm EST

1-800-810-5625 option 1

Analysis and Service Charges Monday – Friday 8:00 am – 6:00 pm EST

1-800-774-8179 option 5 & option 1

Sweeps Monday – Friday 8:00 am – 6:00 pm EST

1-800-774-8179 option 5 & option 2

Zero Balance Accounts Monday – Friday 8:00 am – 6:00 pm EST

1-800-774-8179 option 5 & option 3

Paperwork Monday – Friday 8:00 am – 6:00 pm EST

1-800-774-8179 option 5 & option 4

Implementation Monday – Friday 8:00 am – 5:30 pm EST

1-800-774-8179 option 5 & option 5

PROCESS/REQUEST VITAL TIMES

Wire Transfer * Between 8:00 am – 5:00 pm EST (M-F) Account Transfer ** Between 8:00 am – 9:00 pm EST (M-F) Stop Pay ** Between 8:00 am – 9:00 pm EST (M-F) ACH File Origination *** Between 7:30 am – 6:00 pm EST (M-F) Controlled Disbursement Report Available after 10:00 am EST (M-F) Previous Day Report Available after 8:00 am EST (M-Sun) Current Day Report Updated every 30 minutes (M-F) Current Day Detail Reports Updated currently (M-F) Positive Pay Decisions/Approvals Prior to 2:00 pm EST (M-F) Positive Pay Exceptions Available after 10:00 am EST (M-F) Positive Pay File Processing Cutoff at 4:00 pm EST (M-F) Lockbox Report Available by provided deadline (M-F)

(Call Retail/Whole Lockbox for deadline)

* Wires initiated/approved after 5:00 p.m. (EST) for same day, will not be processed. ** Processed next business day *** ACH files transmitted after 6:00 p.m. (EST) for the same day, will not be processed.

Documents

InfoTekies Corporation