1. Intuit Financial Services University FIS Bill Pay Certification Training (Due Date Model) Section 7: CST Research

2. Bill Pay Certification Page 2 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Section Objectives This section prepares you to understand how to research consumers’ Bill Pay questions and issues using CST. Specifically, you will learn:  how to search for Bill Pay consumers and their payment activity  how to manage payees and payments on behalf of a Bill Pay consumer  how to search for consumer bills and view the details  the steps to view, add, edit and delete funding accounts  how to change a consumer’s daily limits  where to view email messages  the steps to create a new service request and how to view/edit existing ones

3. Bill Pay Certification Page 3 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Why Use CST? CST is the support and research tool used for FIS Bill Pay. With this system, support staff can answer the following questions for a consumer: Is a payment scheduled? Was my payment sent? My payment hasn’t been credited. I have late fees and I used BP to pay my bill. I want to add another funding account. What is the status of a consumer’s service request? And many more …

4. Bill Pay Certification Page 4 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. CST Login Screen CST utilizes a security feature called Cross-site Scripting (XSS) protection. As a result, you cannot enter the following special characters on any CST page: “ ( ) ^ \ ; In addition, you may only use the forward slash ( / ) when entering a date format such as MM/DD/YYYY. If a CST page is submitted and contains a special character, an alert box appears and you must delete the character. Your financial institution receives your CST URL, user ID, and passwords from your Project Manager. This is FIS' product and is used by FIS Customer Service Representatives as well. A shortcut to the CST login page is found in Management Console via Partners. The Super User for Internet Banking can grant other financial institution administrators access to this shortcut. Note: Access to CST is restricted by IP address. CST contains 2 years of Bill Pay history.

5. Bill Pay Certification Page 5 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Set Up Challenge Questions Upon login you are prompted to set up security questions that allow you to reset your password when locked out of CST. You are prompted to provide answers to four unique challenge questions. Each answer must be at least five characters long and cannot be associated with your user ID or password. You can opt to provide answers to the challenge questions at another time by selecting Remind me later, but the setup must be completed before you can use the Change Password feature.

6. Bill Pay Certification Page 6 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Change Password Tool If you forget your password, click the Change Password link on the login screen (see page 4). After entering your User ID, you are randomly presented two out of the four challenge questions previously set up. After answering the questions correctly you can create a new password. A password can only be changed once in a 24-hour period.

7. Bill Pay Certification Page 7 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. My Profile In the top right corner of the Launch Page, all CST users see a My Profile link where they can change their password and some profile information including their email address, phone number and fax number.

8. Bill Pay Certification Page 8 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. CST Launch Screen The left navigation links are: 1.Launch 2.Administration 3.Operations 4.Support Pages (Terms to Know, FAQs and How do I… links)

9. Bill Pay Certification Page 9 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Search Security Groups needed to perform all activities in this section: CSR Warehouse CSR Engine – Client Level (High, Medium or Low)

10. Bill Pay Certification Page 10 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Launch Screen Search Options Search options include: 1.Customer 2.Organization 3.Service Requests

11. Bill Pay Certification Page 11 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Detail & Snapshot Security Groups needed to perform all activities in this section: CSR Warehouse CSR Engine – Client Level (High, Medium or Low)

12. Bill Pay Certification Page 12 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Search Step 1: Select “Customer “ in the Search for menu and enter the consumer’s information to search (fill in at least one field to search). Note: Searching by name requires both first and last name. Step 2: Click Submit.

13. Bill Pay Certification Page 13 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Detail The Customer Detail screen provides information on general consumer information, contact information, funding accounts and more. On the left side, administratorss access Page Activities, Related Pages, Related Tools and Support Pages. Note: If the customer search results in more than 250 records, a warning screen recommending the user refine their search. If only one match is found the Customer Detail screen appears (shown here).

14. Bill Pay Certification Page 14 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Detail - Top Use the Customer Detail screen to verify the consumer’s identity. To return to the search screen, click Return to Launch in the upper left hand corner of the screen. The CST user can also view or add comments to this consumer’s profile and view the contact history. Note: CST uses two databases to display consumer and payee information. The Warehouse database provides current information stored with FIS. You should use the Warehouse when verifying the consumer.

15. Bill Pay Certification Page 15 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Detail - Middle A CST user can view the funding account information, service level, transaction limits, Bill Pay account information and audit information. Tip: Click the Show additional information links to display more info about that section of the consumer’s profile.

16. Bill Pay Certification Page 16 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Detail - Bottom A CST user can also see the last time the customer’s profile was changed and the contact history. Contact History captures every time an administrator accesses the consumer’s Bill Pay account and what specific actions were performed.

17. Bill Pay Certification Page 17 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Detail – Page Activities You should not use the following links as they do not apply to your product: Request Password Change customer detail (EXCEPTION: used to increase or decrease the consumer’s limits) Change service level Add additional contact (EXCEPTION: If you want a secondary person to have the ability to call and inquire about the primary Bill Pay consumer’s account.) Deactivate customer Warning: You should not update any personal information (including choosing a new Bill Pay plan) nor close an account using CST. To update this information, go to Billpay User Profile Maintenance within Management Console and make the appropriate changes (the information will copy to CST).

18. Bill Pay Certification Page 18 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Links include, but are not limited to: Add/View Customer Comments: Comments on the consumer’s profile Funding Accounts: List of funding accounts used for Bill Pay Pending Payments: List of all pending payments Payment History: List of completed payments Customer Payees: List of Payees Customer Bills: List of e-bills Service requests: Requests issued for this consumer Customer Email Notifications: Emails sent to the consumer Funding Account Management: Add, edit and delete funding accounts SWTS: Ability to view (possibly update) items on the front end for the consumer Customer Detail – Related Pages/Tools

19. Bill Pay Certification Page 19 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Snapshot The Customer Snapshot page consolidates a consumer’s key information: View a consumer’s profile, pending and historical payments, recent service requests, and payee information all in one location. Access details for a specific payment or service request directly from this page. Access the Customer Snapshot page via the View dropdown on the Launch page, or under Related Pages on any customer-related screen.

20. Bill Pay Certification Page 20 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Snapshot The Customer Snapshot page is divided into the following two sections. Customer Profile Verification Personal Profile Bill Pay Account Funding Account Contact History Audit History Additional Information Payment History Pending Payments Service Requests Payees Bills Email Notifications

21. Bill Pay Certification Page 21 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. TabDescription VerificationHelps the CSR verify the identity of the consumer. Personal Profile Displays profile information including the consumer’s phone number and address. Bill Pay Account Displays general account information including organization name, customer ID and member number. Funding Account Displays funding account information including number, type and status. Contact History Displays a list of all CSRs who accessed and/or modified the Customer Detail page. Audit HistoryDisplays any activity on the account. The top portion of the page contains important information about the consumer and their personal account. Some uses of this section include verifying funding accounts and reviewing recent account activity. Customer Snapshot - Profile This section is organized into the following tabs:

22. Bill Pay Certification Page 22 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. TabDescription Payment HistoryDisplays the last 45, 60, or 90 days of payment history. Pending PaymentsDisplays the customer’s scheduled payments. Service Requests Displays the customer’s the last 30, 45, 60, or 200 service requests. PayeesDisplays payees paid in the last 45, 60, or 90 days. BillsDisplays e-bills from the last 45, 60, or 90 days. E-mail NotificationsDisplays the customer’s e-mail alerts. Customer Snapshot – Additional Information The bottom part of the page contains data on account activity. This section is helpful to look up a recent or pending payment, to check on the status of an existing service request, and more. For any table, click a specific row to access the detail screen; for example, click a payment on the Payment History tab (shown below) to access the Payment Detail screen. The search feature is available on each tab, which brings you to that specific search page in CST. This section is organized into the following tabs:

23. Bill Pay Certification Page 23 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Pending Payments and Payment History Security Groups needed to perform all activities in this section: CSR Warehouse CSR Engine – Client Level (High, Medium or Low).

24. Bill Pay Certification Page 24 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Pending Payments Scenario: Mike Money calls in to ensure that he scheduled his payment correctly to American Express for $50.00 with a due date of 3/18/11. Tip: To find the payment faster, either click a column header to sort or click the Perform new search link under the Page Activities to narrow the search criteria. Step 1: Verify the consumer’s identity in Customer Detail. Step 2: Click on Pending Payments. Step 3: If there are multiple pending payments, click appropriate payment to pull up Pending Payment Detail.

25. Bill Pay Certification Page 25 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Pending Payment Detail Questions answered here: What is the payee name and account number? What funding account was used? Is the payment manual or part of an automatic model? What is the confirmation number for the payment?

26. Bill Pay Certification Page 26 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Payment History Note: History is stored for two years. A search for Payment History returns a maximum of 1000 payments. Tip: To find the payment faster, either click the column headers to sort or click the Perform new search link under the Page Activities to narrow the search criteria. Scenario: Cindy Cashier sent a $50.00 gift to her niece Caroline for her birthday on 10/06/10 and wants to know if it was cashed yet. Step 1: Verify the consumer’s identity in Customer Detail. Step 2: Click on Payment History. Step 3: Click on appropriate payment to pull up Payment Detail.

27. Bill Pay Certification Page 27 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Check payments display: Check sent to the payee AND Check cleared by the payee Funding account information Payment Detail - Check Questions answered here: Was my payment sent and when? What date will the payment arrive at the payee?

28. Bill Pay Certification Page 28 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Payment Detail – Check (cont’d) Another important question answered here: What is the check number for the payment? If a consumer asks to stop payment on a check or get a photocopy of a check, these tasks must be performed on the financial institution’s host system. The first step must be to pull up the payment detail in CST and note the check number (also shown on the Payment History table).

29. Bill Pay Certification Page 29 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Areas to review Payment method Payee funds More (displays funding details such as trace and routing numbers) Payment Detail - Electronic Questions answered here: Was my payment sent and when? When did the consumer set up the payment? Customer funds Initiated date

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31. Bill Pay Certification Page 31 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payees Security Groups needed to perform all activities in this section: CSR Warehouse CSR Engine – Client Level (High, Medium or Low)

32. Bill Pay Certification Page 32 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payees Scenario: You want to view a list of all of the payees that Debbie Deposit set up on Bill Pay. Step 1: Verify the consumer’s identity in Customer Detail. Step 2: Click on Customer Payees. Step 3: Click on appropriate payee to view the Customer Payee Detail (optional). Tip: You can click the Printable version link on the left navigation.

33. Bill Pay Certification Page 33 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Payee maintenance history - View a side-by-side comparison of the information originally entered for the payee versus the current information Payment history for this payee – View a list of completed payments Pending payments for this payee – View a list of pending payments Customer Payee Detail A CST user can view additional payee information including address, status, lead time etc.

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35. Bill Pay Certification Page 35 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payee/Payment Management Security Groups needed to perform all activities in this section: CSR Warehouse Customer Payee Maintenance Customer Payment Maintenance

36. Bill Pay Certification Page 36 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payee/Payment Management Overview Customer Payee Maintenance allows a CST user to: add, edit and delete payees change email notifications manage categories Customer Payment Maintenance allows a CST user to: view a list of all payments schedule manual and recurring payments change payment options Suggested Users: We recommend that access to these features are kept with the main administrator. A CST user can manage a consumer’s payees and payments within two areas of CST. Essentially, a CST user can do everything for a consumer that the consumer can do on the front end of Bill Pay.

37. Bill Pay Certification Page 37 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payee Management A CST user can: View/Change the payee details Add a payee (Business/Person) Manage categories

38. Bill Pay Certification Page 38 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payee Management – Payee Details To view/change payee and email notification information: Step 1: Click on Payee Details on the Customer Payee Management screen. Step 2: Click the change information link to update payee info OR Step 3: Click the change information link to modify the eBill status or change notifications link to modify email notifications for the payee. Note: A CST user can also delete or deactivate a payee on behalf of the consumer.

39. Bill Pay Certification Page 39 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payee Management – Add a Payee To add a payee: Step 1: Click on Add a Person or Add a Business on the Customer Payee Management screen. Step 2: Enter payee information or search the payee database. Step 3: Click Add payee link to save the information.

40. Bill Pay Certification Page 40 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payee Management – Manage Categories To manage categories or add a new category: Step 1: Click Manage Categories on the Customer Payee Management screen. Step 2: Enter category information to update and Save changes OR Step 3: Click the Add a new category link to create a new category.

41. Bill Pay Certification Page 41 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payment Management Click on Add Payments to begin the process of scheduling a manual payment or adding a recurring payment. The workflow and options are the same as on the front end. A CST user can: View Bill Add Notes Edit/Cancel Payments Add Payment(s) Change Payment Options

42. Bill Pay Certification Page 42 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payment Management – Edit/Cancel a Payment To edit a payment: Step 1: Click the Edit link on the Customer Payment Management screen. Step 2: Edit the payment information and click Save Changes. To cancel a payment: Step 1: Click the Cancel link on the Customer Payment Management screen. Step 2: Review the disclosure and confirm the deletion by clicking OK.

43. Bill Pay Certification Page 43 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payment Management – Add Payment(s) To add a payment(s): Step 1: Click Add Payment(s) link on the Customer Payment Management screen. Step 2: Select the payee(s) that you want to pay and click the Schedule Manual Payment(s) link OR click the Add automatic payment link.

44. Bill Pay Certification Page 44 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Payment Management – Change Payment Options To update the payment option for a payment: Step 1: Click Change Payment Options link on the Customer Payment Management screen. Step 2: Click Change payment options next to the payment you want to change. Step 3: Update the payment option information and click Save changes.

45. Bill Pay Certification Page 45 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Bills Security Groups needed to perform all activities in this section: CSR Warehouse View Bill

46. Bill Pay Certification Page 46 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Bills Step 1: Verify the consumer’s identity in Customer Detail. Step 2: Click on Customer Bills. Step 3: Click on appropriate bill to pull up Customer Bill Detail (optional). Scenario: You want to view a list of all of the e-bills that Mike Money is currently receiving through Bill Pay. Statuses: Inbox/New – New bill, not yet paid Outbox – Payment is pending against the bill Paid – Payment processed Filed – Consumer filed the bill Deleted – Consumer deleted the payee Types: E-bill – Biller sends the bill electronically to FIS Scraped – FIS logs into the payee website and scrapes a copy of the bill to present through online Bill Pay

47. Bill Pay Certification Page 47 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer Bill Detail Hyperlinks: Payee: payee detail for the payee that is associated with this bill View Bill Image: view the same image of the bill as the consumers see

48. Bill Pay Certification Page 48 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Payee/Payment Management and Customer Bills – Practical Applications 1. If you wanted to change the email notifications that are sent with American Express, what link do you need to click? 2. If you wanted to cancel a payment in CST, what link do you need to click? 3. What does the customer bill status “Outbox” mean? 4. What are the types of bills as they appear in CST?

49. Bill Pay Certification Page 49 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Funding Accounts Refer to the Resources Page URL for the Quick Help Guide on Funding Accounts. Security Groups needed to perform all activities in this section: CSR Warehouse Funding Account Maintenance - Client

50. Bill Pay Certification Page 50 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Funding Accounts - Overview A CST user can use the Funding Accounts screen to: View all of the consumer’s existing accounts and the account status Edit the nickname of the funding account Note: You can not edit account numbers- You must add a new funding account and then delete the old one. Change the consumer’s default account (if there is more than one used for Bill Pay) Delete a funding account (if there is more than one used for Bill Pay) Notes on Deleting Funding Accounts: 1.If there is only one funding account, you cannot delete it. 2.You cannot delete the default funding account. 3.You cannot delete an account if there are any current payments from that account or a payee is set up to fund specifically from that account. 4.History for a deleted account does not appear on the default Payment History report. However, the consumer can create a custom report to display information from a deleted account provided it has some activity. 5.When a funding account is deleted and replaced with a new one, either by the consumer or the financial institution, the consumer needs to go to every Payee Details screen to select this new funding account for each Payee that is associated with the old account. EXCEPTION: If the consumer wants to make the new account their default funding account, then any Payees set up with “always use default account” automatically uses the new default account with the next payment sent if it’s a recurring payment. Any pending single payments do not change to the new default. These payments are editable within Pending Payments.

51. Bill Pay Certification Page 51 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Funding Accounts Scenario: You want to view a list of all of the funding accounts that Debbie Deposit uses for Bill Pay. You also want to add a new checking account. Step 1: Verify the consumer’s identity in Customer Detail. Step 2: Click Funding Accounts to view a list of checking accounts (regardless of status). Step 3: Click Funding Account Management to add a new checking account.

52. Bill Pay Certification Page 52 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Funding Account Management – Add Funding Account To add a funding account: Step 1: Click Add Funding Account.

53. Bill Pay Certification Page 53 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Step 2: Complete the Primary Account Holder and Funding Account Information fields. Funding Account Management – Add Funding Account (cont’d) Note: The Account Number field can contain up to 32 alphanumeric characters.

54. Bill Pay Certification Page 54 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Step 4: Select the Approval status. Values = pending approval or internal review completed Select “Internal review completed” after you have verified the information Once the account is activated by FIS (this is a batch update that typically takes one full business day), the status changes to “approved”. Step 3: Check the box giving authorization to initiate debits to the account. Step 5: Click Continue and confirm the selection. Funding Account Management – Add Funding Account (cont’d)

55. Bill Pay Certification Page 55 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. The nickname and address fields are the only editable fields. If you need to change an account number, first add the new account, then delete the old one. Funding Account Management – Change Funding Account

56. Bill Pay Certification Page 56 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. After clicking Delete, the system prompts you to confirm. If the consumer wants to reuse that same account at a later date, you must add it as a new funding account. Note: You will receive an error message if you try to delete an account that is associated with a particular payee or has pending payments tied to it. View Funding Account Management – Delete Funding Account

57. Bill Pay Certification Page 57 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Change Customer Detail Security Groups needed to perform all activities in this section: CSR Warehouse Update/Deactivate Customer – Client

58. Bill Pay Certification Page 58 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. The transaction limits are specified in your contract. Default limits are $19,999.99 daily limit per consumer and $9,999.99 per transaction. With CST, you can DECREASE either of these amounts for a consumer. You can later increase the limits back to the ones specified in your contract. If you signed an amendment to have the ability to raise limits, this is the screen to do so. Tip: If you are interested in increasing your current contracted limits, please contact your Account Manager for an amendment. The financial institution assumes all risk associated with payments over the original contracted amount. Change Limits - Overview

59. Bill Pay Certification Page 59 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Change Customer Detail - Change Limits Scenario: You want to decrease Mike Money’s transaction and daily limits for Bill Pay. Step 1: Verify the consumer’s identity in Customer Detail. Step 2: Click Change Customer Detail. Step 3: Reduce the limits and click Submit (at the bottom of the screen).

60. Bill Pay Certification Page 60 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Funding Accounts/Change Customer Detail – Practical Applications 1. What link do you need to click in CST to add or delete a funding account? 2. Can you edit a consumer’s funding account number? 3. True/False The system allows a CST user to delete a funding account that is associated with a pending payment or payee. 4. Can you delete a consumer’s primary funding account? 5. If you want to delete a consumer’s default funding account, what must that consumer do before you can delete the account in CST? 6. What screen do you go to in order to decrease transaction limits? Can you increase those limits above the contracted amounts as well? 7. Where should you update personal information like name, address, phone, etc for your consumers – Management Console or Customer Service Tool?

61. Bill Pay Certification Page 61 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Email Notifications Security Group needed to perform all activities in this section: CSR Warehouse

62. Bill Pay Certification Page 62 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Email Notifications Overview Email address is required for consumers. If the email address is invalid, the email is returned to the from address as designated by your financial institution. Some notifications are automatic (“payment returned”) while others are set up by the consumer (“notify me if a bill is higher than X amount”). See Section 3 in the binder for more examples. Through CST, you can resend emails. Depending on your Host**, if a consumer changes their email address, the financial institution must manually update this information in order for FIS to have the latest email on file The financial institution should run a regular report in Management Console to see who has changed their address: 1.Go to Home Banking  Activity Reporting 2.Select the date range 3.Select the transaction type “Change Email” 4.Select the presentation style (on screen display or download) 5.Submit the query  Then the financial institution should make the appropriate changes in Management Console: 1.Go to Bill Payment  User Profile Maintenance 2.Search for the consumer 3.Click on the consumer’s name to pull up the application 4.Make the appropriate update 5.Click save changes at the bottom of the screen Note: Depending on your host, this step may not be necessary as the information automatically updates when the consumer changes their email address under User Options.

63. Bill Pay Certification Page 63 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Customer E-mail Notifications and Detail Scenario: You want a list of all of emails that were sent to Mike Money for Bill Pay. Step 1: Verify the consumer’s identity in Customer Detail. Step 2: Click Customer Email Notifications. Step 3: Click the email to view the details of a particular email and resend (optional).

64. Bill Pay Certification Page 64 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Email Notifications – Practical Applications 1. Where do you go to change a consumer’s email address for Bill Pay? 2. What Transaction Type should you choose on the Home Banking  Activity Report to see a consumer’s new email address? 3. What screen do you go to in CST to resend an email to a consumer? 4. True/False Consumers receive both automatic and manually set-up email notifications from FIS.

65. Bill Pay Certification Page 65 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Requests Refer to the Resources web page for the Quick Help Guide on Service Requests. Security Groups needed to perform all activities in this section: CSR Engine – Client (Low, Medium or High) Service Request Summary (unique permission to access this page)

66. Bill Pay Certification Page 66 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. 1 st Tier Support Options During Implementations, your financial institution determines who supports your consumers when they have Bill Pay questions/issues. The three support options are: 1.Financial institution 1 st Tier with FIS 2 nd Tier: Your financial institution supports your consumers directly by researching Bill Pay issues via Customer Service Tool (CST). 2 nd Tier: Your financial institution can engage FIS by opening service requests in CST when further research /assistance is needed. 2.FIS 1 st and 2 nd Tier: Your consumers contact FIS directly via phone or email for support. 2 nd Tier: FIS opens services requests via CST when further research/assistance is needed. Note: Your financial institution can also assist consumers when necessary via CST. 3.Intuit Financial Services 1 st Tier with FIS 2 nd Tier: Your consumers call Intuit Financial Services’s Call Center and Intuit Financial Services researches Bill Pay issues via CST. 2 nd Tier : Intuit Financial Services engages FIS by opening service requests in CST when further research /assistance is needed. Intuit Financial Services 1 st Tier support includes: Requests to update user profile information Note: The financial institution is responsible for all requests to change a consumer’s funding account or to close a Bill Pay account. Questions on the use of Bill Pay Questions on the status of particular payments Any of the service requests reasons on the next page Note: Intuit Financial Services Tier 1 Support is via phone only. Your financial institution is provided with a phone number for your consumers to use. Any email address links inside the Bill Pay frontend link to a financial institution email address.

67. Bill Pay Certification Page 67 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Payment not posted- Payment was made but has not posted to the consumer’s payee account. Tip: Do not use if payment was received by the payee. Open a ‘Late fees incurred’ service request instead. Note: Use Payment Not Posted service requests only if sufficient time has passed for the payment to clear (Electronic payments: A minimum of 3 business days since the file was sent to the payee and Check payments: A minimum of 5 business days since the check payment post time). CST users with the CSR Engine High - Client Security Group Permission can still add Payment Not Posted service requests at anytime if they provide a valid reason. Late fees incurred- Payment was made but posted to the consumer’s payee account late. Tip: Only use if the payment was received by the payee, but was received late. Open ‘Payment not posted’ service request instead. Note: FIS reimburses service charges (up to $50.00) if the consumer has scheduled the payment as outlined in the terms of the consumer contract. Electronic bill Issue – Consumer has an issue with their e-bill such as duplicate electronic bill received, electronic bill not received, electronic bill posted late, electronic payee not allowed- business account, incorrect account number error, invalid login error, unable to set up payee, and unable to view electronic bill. Payment posted for incorrect amount- Consumer’s payment has posted to his/her account with the payee but for the wrong amount. Duplicate debit received - Payment was sent out once but two debits appear on consumer’s account. Duplicate credit received - Payment was sent out once but credited twice to consumer’s account with the payee. Service Requests Types

68. Bill Pay Certification Page 68 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Requests Types (cont’d) Intuit Financial Services financial institutions should not open Service Requests when: CST users see additional types of service requests that they can open on behalf of a consumer. However, Intuit Financial Services financial institutions should not use these service requests (i.e requests that begin with “Modify customer -…”) Financial institutions should use the Management Console  Bill Payment  User Profile Maintenance button to make these types of profile updates. The Management Console updates CST automatically with these updates. If you need to change the funding account to debit, do that through the Funding Account Management feature within CST. Financial institutions will not use the following service requests for check payments (since only direct checks are issued): 1.Stop Payment Request 2.Photocopy Request (still applicable for electronic payments) If the CST admin selects either of these service requests for a check payment, this message appears in red: This service request type is not allowed for a direct check payment.

69. Bill Pay Certification Page 69 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Requests that are proactively opened by FIS: Credit return – FIS received a returned payment from a payee. FIS returns the funds to the consumer within three (3) business days from the date FIS receives and processes the return. FIS notifies the consumer via email when the funds are returned, informing the consumer why the payment was not successful. The consumer must work with the payee directly to resolve the reason for the credit return prior to initiating a new payment. Note: Additional information about the credit return appears on the Closed Credit Returns report found in the CST Appendix. Customer Collection/Debit return – FIS issued a payment to a payee for which they were unable to debit the consumer. This most often occurs when a consumer is insufficient on three debit attempts or the debit attempt is returned as a closed account. The financial institution or the consumer can contact the FIS collection department to make debiting arrangements. Confirm posting - FIS has blocked a consumer’s Bill Pay account due to suspicious activity and FIS was unable to confirm the payment with the consumer. This generally occurs when the first payment initiated through Bill Pay is for a large dollar amount. Service Requests Types (cont’d)

70. Bill Pay Certification Page 70 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. SWTS - See What They See Before submitting a service request, a CST user may utilize the See What They See (SWTS) tool to troubleshoot an issue. This feature enables a CST user to see what the consumer is seeing in the front end of Bill Pay. There are two versions of this tool: Read-only version - available to all CST users in the “CSR Warehouse” security group. Edit version – available to CST users in the “Full SWTS” security group and allows the CST user to edit and change consumer bill pay information.

71. Bill Pay Certification Page 71 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Opening a Service Request To open a Service Request for a payment: Step 1: Verify the consumer’s identity in Customer Detail. Step 2: Click Payment History. Step 3: Click the payment in question to see the Payment Detail screen. Step 4: Select the appropriate Service Request type from the dropdown menu and click Go. Step 5: Complete the requested information and click Add (see next page).

72. Bill Pay Certification Page 72 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Opening a Service Request (cont’d)

73. Bill Pay Certification Page 73 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Searching for Existing Service Requests Search options on the Launch page:  Reference Number  Customer  Search for a specific consumer’s service requests from the Customer Detail screen  Search for a consumer’s service request by name, SSN, date, reference number, etc.  Organization  Search for all open service requests for your financial institution  Search for a type of service request such as “late fees incurred” or “debit return” Why would a CST user need to look up a service request? 1.Answer questions and/or provide an update for the consumer when they call your financial institution. 2.Reassign ownership to another CST user. 3.Provide more information to FIS to help resolve the issue. 4.Update the status of a service request. A CST user can view all service requests across the organization on the Service Request Summary page. As well, a CST user can search for a specific service request on the Launch page.

74. Bill Pay Certification Page 74 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Request Summary The Service Request Summary page provides an overview of all service request activity for your organization, including: Service Request Statistics Search function Service Request List Navigate here via the Launch Page, Organization Detail page or the Service Request Detail page.

75. Bill Pay Certification Page 75 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Request Summary - Top The top part of the page provides statistics and a search function. A CST user can view statistics on service requests within the last 2 years according to: Priority Status Age of service request Type (Details on priority, status, and type are covered later in this section.) A CST user can search for a specific service request or group of service requests, within the last 2 years, according to: Status Type Open Date Priority

76. Bill Pay Certification Page 76 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Request Summary - Bottom The bottom part of the page provides a table of the service request records. The default view is of all Open/Pending service requests in the last 2 years. The CST user can click any row in the table to access the Service Request Detail screen.

77. Bill Pay Certification Page 77 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Requests – Statuses and Response Times Service Requests – Response Times New service requests are worked within 3 business days. Escalated requests are worked within 24 hours. (See Change Priority page on how to escalate requests.) FIS proactively monitors Credit Returns (failed payment, couldn’t post). Service Request StatusDescription Open The service request is open and has not been completed. Open/Pending The service request has not been resolved. ClosedThe service request has been resolved. Pending FISFIS is still investigating the issue. Pending Payee The issue is being investigated, waiting for information from the payee. Pending Organization The issue is being investigated, waiting for information from the organization. Pending Customer Contact The issue is being investigated, waiting for information from the customer.

78. Bill Pay Certification Page 78 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Searching for Existing Service Requests – by Reference Number On the Launch screen, a CST user can search service requests by Reference Number.

79. Bill Pay Certification Page 79 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. A CST user can also search for a specific consumer’s service requests according to: Call tracking number Type Status Opened date Searching for Existing Service Requests – by Customer

80. Bill Pay Certification Page 80 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. A CST user can search for a customer’s service requests by clicking Service Requests on the left navigation on the Customer Detail screen. Searching for Existing Service Requests – by Customer (cont’d)

81. Bill Pay Certification Page 81 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. A CST user can search service requests for the entire financial institution by: Type (Payment not posted, photocopy request, credit return, etc.) Status (Open, closed, etc.) Opened date Searching for Existing Service Requests – by Organization

82. Bill Pay Certification Page 82 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. All of the service requests that match the search criteria will display. Click on the appropriate service request to view the detail. Service Requests

83. Bill Pay Certification Page 83 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Request Detail This link will jump back to the payment’s detail

84. Bill Pay Certification Page 84 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Requests – Change Priority To escalate a service request, click the Change Priority link in the left navigation of the Service Request Detail screen. The service request is assigned a new priority of “99-Escalated”. You may enter comments on this screen as necessary. Note: Only Payment Not Posted and Payment Amount Incorrect service requests with a current priority of “1-standard”, “1-In-process”, “2-standard”, or “3-standard” can be escalated. The escalated service request must involve a payment that involves a mortgage payment, insurance payment, vehicle payment, utility disconnection (electric, gas, phone, or water).

85. Bill Pay Certification Page 85 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Request Detail – Add Comments To add any additional comments, like if incorrect information was originally entered, click the Add Comments link in the left navigation of the Service Request Detail. FIS also adds comments, like email communications to the consumer. Note: Only add comments to service requests in an ‘Open’ or ‘Pending’ status as FIS is not notified of the additional information for service requests in any other status. The username prefix denotes the origin: W95 = FIS user RHF3DI = Intuit Financial Services user RHF3 = Your financial institution user

86. Bill Pay Certification Page 86 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Request Detail – Change Requestor Information If a CST user (requestor) is going on vacation or terminated, you should change all service requests, in that requestor’s name, to another requestor by clicking the Change Requestor Information link in the left navigation of the Service Request Detail screen and providing the new requestor’s information.

87. Bill Pay Certification Page 87 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Requests – Change Service/Account Information If incorrect information was entered when the service request was created, click the Change Service/Account link in the left navigation of the Service Request Detail screen to edit the type of service, account number, or to add any additional information in the comments field. Note: Only Payment Not Posted and Payment Amount Incorrect service requests with a current priority of “1-standard”, “1-In-process”, “2-standard”, or “3-standard” can be updated.

88. Bill Pay Certification Page 88 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Requests – Review Resolution Information If FIS determines that more information is needed to complete a service request or if FIS completed the service request, FIS places the service request in a ‘Metavante Completed’ status and a notification (email or phone contact) is sent to the CST requestor. In addition, a Review Resolution Information link appears in the left navigation of the Service Request Detail screen for the particular service request for which FIS completed or needs additional information.

89. Bill Pay Certification Page 89 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. The CST requestor needs to complete the following: 1.Click on the Review Resolution Information link and read through the comments to determine what FIS needs or how FIS resolved the request. 2.Contact the consumer and obtain the necessary information or confirm that the request was completed. If the request was completed, the CST requestor can: a)Select ‘Approved’ from the Approval status dropdown and the request moves to a ‘Closed’ status. Note: If the ‘Approved’ status is chosen, you cannot send the service request back to FIS. The CST requestor has to open a new service request instead. Tip: Reference the closed service request reference number in the new service request. b)Do nothing and the service request will be automatically approved and move to a ‘Closed’ status within the next 30-60 days. If the request has NOT been completed or the CST requestor receives additional needed information, the CST requestor should select ‘Rejected’ from the Approval status dropdown and then select a Reason from the Reason dropdown. Information/comments can be entered in the comments field. Click Submit to send the information back to FIS. The service request status is now: ‘Open in Rework’. Service Requests – Review Resolution Information (cont’d) Note: The ‘Closed in error’ reason is only used by FIS for internal purposes.

90. Bill Pay Certification Page 90 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Operational Procedure – Regulation E Potential Regulation E claims are logged whenever a consumer asserts that his or her payment instructions were not followed. To ensure that FIS has the ability to provide consumer with historical information as well as provisional credit recommendations, FIS' tracking system logs each item that is worked under Regulation E guidelines. Guidelines Initial review of the item occurs within one business day of either the financial institution or the consumer notifying a Customer Care Center of a potential Regulation E issue. Regulation E provides the following time frames: 10 business days from receipt of billing error notice to investigate and resolve the matter 1 business day after determining that an actual error occurred to resolve the error 3 business days after making a determination to communicate the results back to the consumer

91. Bill Pay Certification Page 91 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Procedure 1.Either the financial institution or the consumer contacts the Customer Care Center alleging that a transaction was unauthorized or the payment in question was made incorrectly. Timeframes begin when the Customer Care Center is notified. Note: Refer to the Regulation E document for specific definition of items that can be categorized under Reg E. 2.A research request is opened and the item is flagged with a Reg E indicator. 3.If it is determined that the item in question does not fall within Reg E guidelines, the item is handled as a normal research request. 4.If upon reviewing the item it is determined that the item does fall within Reg E guidelines, FIS handles the item in compliance with the guidelines and timeframes of Reg E. 5.If during research of a Reg E item it is determined that the error occurred because of processing or system error, the item is corrected within one business day. Results of the investigation and resolution are reported to the requestor (financial institution or consumer) of the original research request. 6.If during the research of a Reg E item it is determined that no processing error occurred, FIS Post-processing Support provides an explanation of the issue and the findings to the financial institution. The documentation that FIS used to make our determination is available upon request. The financial institution is required to notify the consumer of these findings in writing. 7.If FIS is unable to research or resolve the issue within eight business days (or in the case of Massachusetts, eight calendar days), from the date that the Customer Care Center was notified of the issue, FIS contacts the customer’s financial institution. The financial institution may wish to provide provisional credit. This allows two additional business days for the financial institution to provide the provisional credit to the account. Operational Procedure - Regulation E (cont’d)

92. Bill Pay Certification Page 92 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Service Requests – Practical Applications 1. What are the three different ways you can search for a Service Request? 2. If FIS requests additional information from the requestor to resolve a service request, what link within CST should a CST user click to update the system with the appropriate info? 3. How can you tell who wrote which notes in a Service Request? List all possibilities here. 4. Which two types of payments can you escalate? 5. How many days does a CST user need to wait in order to open a payment not posted for an electronic payment? For a check payment? 6. Which of the following Service Requests are NOT applicable for Due Date bill pay? a) Stop Payment b) Photocopy Request c) Modify Customer - Change Account to Debit d) Late Fees

93. Bill Pay Certification Page 93 Section 7: CST - Research © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Section Objectives - RECAP In this section, you learned:  how to search for Bill Pay consumers and their payment activity  how to manage payees and payments on behalf of a Bill Pay consumer  how to search for customer bills and view the details  the steps to view, add, edit and delete funding accounts  how to change a consumer’s daily limits  where to view email messages  the steps to create a new service request and how to view/edit existing ones