1. Account Reconciliation & Positive Pay Option 2 Certification Webcast April DeLac Intuit Financial Services University Published December 2011

2. p 2 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Main Objective: Support businesses using the Account Reconciliation/Positive Pay (ARP) feature in Business Banking. By the end of this training, you will be able to: Describe to a customer the purpose and basics of Account Reconciliation and Positive Pay Set up your ARP service in the FI Admin Platform Set up a customer with ARP Walk a customer through the steps to use Account Reconciliation and Positive Pay Process exception decisions Today’s Objectives Note: Knowledge of the core Business Banking functionality, including navigation in the FI Admin Platform and the Customer Platform, is a prerequisite for this training.

3. p 3 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Admin Platform the back-end of Business Banking Commercial Customer Platform the front-end of Business Banking FI Admin – Financial Institution Administrator any financial institution employee who has access to the FI Admin Platform Company Administrator the “Super User” at any company who has access to the all functionality on the front- end of Business Banking as granted by the financial institution ARP – Account Reconciliation Processing a module within Business Banking that allows commercial clients to upload and/or input issues, view these issues as reconciled against paid items, and determine what action to take with exception items (if positive pay is enabled) Issue a paper check that the business has issued to a payee; does not include ACH debits Exception Item when an issue clears the host system that doesn’t match certain variables of that same issue in the register on the Customer Platform, it is flagged as an exception Terms to Know

4. p 4 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Account Reconciliation  Provides reconciliation of both outstanding and cleared checks  Does not depend on a costly ARP system on your host  Ideal product for commercial clients that issue large volumes of checks (250+/mo)  View current status of issued items  Easily upload or input issued checks into online register Reverse Positive Pay  A check fraud product – provides fraud prevention by automatically detecting exceptions  Validates checks already paid by the financial institution and automatically matches the items against customer-issued check records maintained by Intuit Financial Services  Empowers commercial customer to make online decisions on exception items  Decreases exception item research time with check imaging (if enabled) Features

5. p 5 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Reconciliation Processing Overview Business User FI Administrator Financial Institution Host Intuit Financial Services 5 2 4 1 3 6 1.Business user enters checks into Business Banking. 2.Financial institution host sends cleared checks to Intuit Financial Services. 3.Intuit Financial Services reconciles checks (triggers email to business if exceptions are found). 4.Business submits pay or return exceptions into Customer Platform. 5.FI administrator gets email notice and downloads exception decisions (triggers email to business). 6.FI administrator updates host.

6. FI Admin Platform

7. p 7 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Security – FI Admin Profile Maintenance Super User gives other administrators rights to ARP processing Maintenance – Policies Establish ARP global settings Communications – Messages Create dynamic messages for ARP screens on Customer Platform Communications – Workflow Email Routing Assign FI administrator(s) to receive ARP email notifications Maintenance – Add New/Customer Maintenance Account List – choose ARP accounts Banking Services – assign Acct Recon/Pos Pay permissions, stale date, default decision File Processing – Process ARP Exceptions Administrators process exceptions decisions made by the customer or by default Where does ARP Appear on the FI Admin Platform?

8. p 8 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Security – FI Admin Profile Maintenance NOTE: only the Process Exception Decisions pertains to your financial institution since you are in effect using Intuit Financial Services as your ARP processor. The other two options regarding ARP still display yet are not applicable. The FI Super User comes here to create a new FI administrator OR update an existing FI administrator with permission to process exception decisions.

9. p 9 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Maintenance - Policies 1)The system will prevent a customer from submitting their decisions on exceptions past the cutoff time. 2)The stale date for issues (X number of days after checks are issued, these items are updated to a “stale” status). This ensures that a stale check that clears the host will get flagged as an exception. Accepted values are 1-999. 3)The default exception decision defines the default exception management of issues if a customer does not submit their own pay/return decisions prior to cutoff time. 4)The financial institution may choose to suppress the email notification that is generated (to the FI administrator) when a customer submits their exception decisions for processing. This email address is specified on the Workflow Email Routing Screen. **Note: these settings affect new clients only and are initial policies only! This is where an FI administrator can set up the default policies regarding ARP:

10. p 10 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Communications - Messages The FI administrator may insert customized brief messages that are displayed at the top of all four screens within Reconciliation Services. HTML is allowed; some tags are restricted for security reasons. See next slide for sample recommendations. These are the dynamic text message options that are available with ARP:

11. p 11 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Communications - Messages Recommended Messages Upload Issues screen: “We recommend uploading a maximum of 1000 issues at a time.” Positive Pay Exceptions Decisions screen: “The cutoff time to decide whether to pay or return an exception item is 11:00 EST. After this time, a default decision will be made on your behalf”. Issues (Register) Input screen: “Set your screen resolution to 1024x768 and maximize your browser window in order to see all issues in the Update Issues section.”

12. p 12 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Communications – Workflow Email Routing The last field on the Workflow Email Routing screen determines the FI administrator(s) (up to 5 separated by semicolon) that will receive notification via email when a customer submits exception decisions for processing. (Remember, this email may be suppressed under Policies.) **The same addresses will receive the nightly summary email as well.

13. p 13 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Intuit Financial Services’ ARP Processing System  Nightly runtime set up during implementations (any hour 9pm to 9am Pacific Time other than 12am, 1am or 2am): 1.Batch: two hours after import time 2.Real-time: two hours after nightly processing on host  If the host was down or for other reasons, you miss the ARP run time, call Intuit Financial Services Customer Care to manually run the ARP Processing system.  Email is sent nightly (seven days a week) after the scheduled run is complete  Summary email to financial institution and Intuit Financial Services’ Customer Care: Subject: Account Reconciliation Services summary report for (Date/Time) Financial Institution: FI Name Financial Institution Number:400103 Summary for run Total accounts successfully reconciled:4 Failure count:0 If you have any questions regarding this report, please contact customer service.

14. p 14 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Maintenance – Add New/Customer Maintenance When granting Account Reconciliation to a company, select the checkbox in Issues column. To grant Positive Pay, select both the Issues and Exceptions checkboxes. Note: You must check both boxes when setting up Positive Pay. Then scroll down to Banking Services! Only checking accounts will be available for selection; all others will be grayed out.

15. p 15 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Maintenance – Add New/Customer Maintenance Step 1: Check the main Reconciliation Services box. Step 2: Determine if this customer will have: Account Reconciliation Both Acct Recon and Pos Pay (at least one must be checked!) Step 3: Determine number of days after issue a check becomes stale Step 4: Select the default decision on exception items (determines action taken if a customer doesn’t submit their positive pay decisions prior to cutoff time) ** Step 3 and 4 will populate with Policies settings.

16. p 16 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Maintenance – Add New/Customer Maintenance IMPORTANT!! When granting a customer Positive Pay permissions, be sure to coordinate the activation of Positive Pay with the commercial customer. Once you click the Update button on the Maintenance screen, you need to inform that customer to input or upload their outstanding checks that same day. Without this action, Intuit Financial Services’ ARP Processing system will run that night and identify every issue retrieved from host as an exception item.

17. Customer Platform

18. p 18 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission.  Administration  User Maintenance oAccount List – choose ARP accounts oReconciliation Services – grant options  Administration  Change User Preferences  Account Services  Reconciliation Services Where does ARP Appear on the Customer Platform?

19. p 19 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Administration – User Maintenance Similar to the FI Admin Profile Maintenance at the admin platform, this screen is where an administrator at the company level will set up users with access to Reconciliation Services. The administrator selects whether the user has access to exceptions, issues, or both for specific accounts within each company record. The separation of services allows for dual control within a company regarding exception processing. Then scroll down to assign specific permissions with Reconciliation Services

20. p 20 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Administration – User Maintenance See next slide for descriptions! Screenshot when the customer has both Account Reconciliation and Positive Pay Screenshot when the customer has Account Reconciliation only Options that display will depend on permissions established on the administrator platform

21. p 21 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Descriptions Allow Reconciliation Services: Grants general access to Reconciliation services. This feature works with checking accounts only. Issues Register Input: Grants permission to manually input issues into a register for processing. Issues Register: Gives access to the Register screen. *Exceptions Processing: Grants permission to submit exception decisions for processing. (The sub navigation button for the Customer is called Positive Pay Exceptions Decisions.) File Upload: Grants permission to upload Issues Register file to the financial institution. (The sub navigation button for the Customer is called Upload Issues File.) **Suppress Exception Notification: Prevents the system from sending an email a) when Intuit Financial Services identifies exceptions for this business and b) when the FI administrator processes their decisions file. ***Reconcile Issues: Grants permission on the Register to reconcile the issued items in register. Must also grant access to the Issues Register (see above). Account Reconciliation access only: *The Exception Processing option will not display **The Suppress Exception Notification will not display ***The Reconcile Issues option will display

22. p 22 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Administration – Change User Preferences The user can select a screen within Reconciliation Services to be their main start page.

23. p 23 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Reconciliation Services Overview  Upload Issues File: allows the user to upload an issues file  Issues (Register) Input: allows the user to manually enter issue items (checks only)  Positive Pay Exceptions Decisions: allows the user to view exceptions and make pay/return decisions.  Issues Register: allows the user to view a history of issues (both input and uploaded) with certain filter and search tools. Why would the Positive Pay Exceptions Decisions menu option not display here? 1. 2.

24. Input Issues

25. p 25 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Issue Register Input Only the company records and accounts for which the user has issue permission will display in the dropdown box. (Remember the User Maintenance screen.) The customer may utilize this screen to manually enter issues into the Register. See next slide for step by step instructions!

26. p 26 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Add Issue Step 1: Account Selection — choose from available accounts in the dropdown box Step 2: Action — choose one of the following options: Reg/Add: adds a check to the Register with an outstanding status—all checks must first be entered as Reg/Add before they can changed to void or stop pay Reg/Del: changes the status to Deleted Void/Add: changes the status of an outstanding check to a Void Void/Del: updates a voided check back to Outstanding Stop/Add: changes the status of an outstanding check to Stop Pay—does not place the stop payment itself on the check, rather it updates the status in the Issues Register. Stop/Del: changes a stop pay check back to Outstanding Step 3: Issue Date — date the check was written to the payee Step 4: Check Number — once a single check is added, the number in this field automatically increases in increments of one. The maximum is 9 digits. Step 5: Amount — the amount of the check. The maximum is $99,999,999.99. Step 6: Payee (optional) — to whom the check is written. The maximum is 40 characters. Step 7: User Information (optional) — this field can be used to uniquely identify the issue item, similar to the Memo field on a check. The maximum is 20 alphanumeric characters. Step 8: Click the Add button

27. p 27 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Issue Register Input After the client finishes adding issues to this page, two options are available: 1) Click the Save button to save any additions/changes/ deletions under Update Issues. Will not save the issues to the Register! 2) Click the Send button to add the items to the Issues Register. Two minutes prior to session timeout, a warning message will pop up notifying the user to save changes. If user changes status to void or delete, the system will check against entire register for same acct #, check #, and amount

28. p 28 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Issue Register Input Important Data Entry Tip! Payee & User Information may get removed: When you enter any of the Issue Action transactions, the payee and user information replace whatever is in the database. If the payee and user information in the action transaction are left blank, existing database payee and user information will be blank. Example: A client writes check 101 to J. Jones for a red dump truck for $20 and discovers that it should have been for $20,000. To enter this same issue with a Void/Add status, enter in the Payee of J. Jones and User Information of red dump truck. If these two fields are left blank when updating the status, the Issue Register will display check number 101 as Void but the payee (J. Jones) and the user information (red dump truck) will be blank.

29. p 29 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Issues Input - Confirmation The customer sees a confirmation screen after clicking the Send button. A summary of the issue register items entered displays. If an issue is rejected, the screen will detail a specific error. That issue will remain on the Issues Register Input screen in the Update Issues section.

30. Upload Issues

31. p 31 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Upload Issues File Step 1: Select the file type to upload. Comma delimited and fixed column length (ASCII) formats are the more common file types. Proprietary ARP file is in MICASH format. Step 2: Click Browse to locate the file. Step 3: Click Upload to enter these issues into the database, which places them in the Issues Register. The customer can save time by uploading issues directly into the Register.

32. p 32 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Upload Issues File Key Points:  Upload will not allow user to upload issues for accounts they do not have access to in Issues Input.  If an error occurrs during the upload process, the system gives error details on an error table, and entire file is rejected.  Stop/add and stop-delete are not transactions accepted in the upload file format.  Payee name and User Information columns accept special characters.  Intuit Financial Services recommends telling your customers to upload issues in groups of 1000 or less.  The Help menu inside Business Banking provides the exact file format specifications.  A customer should enter only outstanding issues. Intuit Financial Services’ ARP Processing System only pulls current day issues from the host, therefore the history in the Register starts building when the customer is set up on the Admin Platform.  There is not a cutoff time for entering checks into the register. In order for a check clearing the host today to find its match in the Register, the customer must upload or input that check before your scheduled ARP runtime.

33. p 33 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Upload Comma Delimited file Columns separated with a comma (left to right): 1.Account Number (Max 19 digits) 2.Check Issued Date (mmddyyyy) 3.Check Number (Max 9) 4.Check Amount (Max 10 - decimals are optional) 5.Payee (Max 40) 6.User Data (Max 20) 7.Transaction Type R = Register V = Void 8.Action A = Add D = Delete Hints: Save as.csv format All columns must be text values Bolded columns above indicate required data

34. p 34 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Upload Fixed Column Length file Columns adhering to a specific length (left to right): 1.Account Number (19 digits) 2.Check Issued Date (mmddyyyy) 3.Check Number (9 digits) 4.Check Amount (10 digits - decimals are allowed) 5.Payee (40 characters) 6.User Data (20 characters) 7.Transaction Type: R = Register V = Void 8.Action A = Add D = Delete Hints: Save as.txt file Select ANSI encoding Fill in zeros to ensure each column meets the required length

35. Issues Register

36. p 36 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Issues Register 1). The user selects an account from the dropdown box. 2). The user can keep the default date range** or decide to change the date range. 3) With the filter feature, a user can opt to see all issues or ones of a specific status. All options on the right are exception reasons. 4) Click Submit. This page shows the top of the Issues Register for customers with both Account Reconciliation and Positive Pay. **Register provides 180 days of history starting from the date the issue is added (via input or upload) to the Register. If the customer changes the status, the history resets to another 180 days.

37. p 37 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Issues Register With only reconciliation granted, users must type in a date and manually click the Reconcile button to have issued items reconciled with cleared items. Intuit Financial Services does nightly reconciliation comparison after host update, but results don’t show until the user hits Reconcile. Scroll down further to see second half of Register page for both ARP permissions! This slide shows the top part of the Issues Register for customers with Account Reconciliation and not Positive Pay.

38. p 38 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Issues Register  A search function is available to find an individual issue according to Check Number, Issue Date, Issued Amount, or Payee. A value is required to use the search.  The actual register of issues appears at the bottom of the page. Up to 100 checks will display at one time, with a more button appearing next to export to access the next group of checks.  The customer can also export these issues. The bottom part of the Issues Register is the same for customer with and without Positive Pay.

39. Positive Pay

40. p 40 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Email to Client: Account Reconciliation Exceptions have been received and are waiting decision Processing. Please use this link to review the details: https://[insert fi domain]/onlineserv/CM Exceptions Received date and time:03-25-2003 13:33:55 PM We will Pay the exception(s) if you are unable to review it by 03-25-2003 23:50:00 PM Positive Pay Exception Decisions After Intuit Financial Services’ ARP Processing System completes the nightly reconciliation for your financial institution, an email will be generated to all customers that have exception items found. The following email goes to all administrators with Positive Pay permissions. Note: the default action is indicated if the customer misses the cutoff.

41. p 41 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Positive Pay Exception Decisions Reasons an issue would be an exception item:  If the check is paid and the issue is not found in the Issues Register, the issue will be flagged as Paid-No-Issue.  If a check is paid and is a duplicate of a previously paid item, the issue will be flagged as Duplicate Paid.  If a check is paid and the issue date is older than the stale date field in the customer’s profile, the issue will be flagged as Stale Dated.  If a check is paid and the issue is listed with a Stop Pay status in the Issues Register, the issue will be flagged as Paid Over Stop.  If a check is paid and the issue is listed with a Void status in the Issues Register, the issue will be flagged as Paid Void.  If a check is paid and the issue has a different dollar amount in the Issues Register, the issue will be flagged as Amount Mismatch.

42. p 42 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Positive Pay Exception Decisions Note the check imaging links! (financial institution must already have check imaging enabled.) After receiving the email notification, the customer comes to this page to pay or return those items. If this doesn’t happen by the cutoff time, the default decision will take effect. Remember, this is reverse positive pay, which means items are reconciled against paid items obtained from the host. Therefore, a decision to return an item will require the financial institution to reverse the item from the customer’s account on the host. This is usually a manual process. Input can affect current day exceptions.

43. p 43 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Positive Pay Exception Decisions If there are more than 50 exception items, only the first 50 display. Once the first 50 have a decision sent, then the next set of 50 will automatically load. The customer checks one or more exceptions in the Select column, selects Pay or Return, and clicks the send button to submit the decision file to the financial institution. Remember, ARP processing hours should be set on the hour after the host update is complete between the hours of 9pm PST and 8am PST. If host doesn’t provide update on time, the ARP system will keep trying to run every hour.

44. p 44 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Positive Pay Exception Decisions Email to the financial institution: Exception Decisions have been submitted for processing. Please use this link to review the details: https://10.200.0.103/onlineserv/CM/adminLogin.cgi Decisions sent by: JOHNSON on behalf of: MS DEBRA DUPA DENNIS MD Decisions made on: 04/10/2003 17:18:37 PM EST When the commercial customer makes their positive pay exceptions decisions, an email is automatically generated to the designated FI administrator(s). The following email goes to the administrator(s) unless the Policy on the administrator platform is to suppress this notification.

45. p 45 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Positive Pay-Default Exception Decisions If a customer misses the cutoff time for their Positive Pay Exceptions Decisions, the default decision will automatically take effect. All the exceptions decided by default will then appear on the Sent screen (see next slide). The following email is generated upon one of two triggers (whichever happens first): either when the customer clicks on the Positive Pay screen after cutoff time, or when the FI administrator clicks on the Process ARP Exceptions screen on the Admin Platform after cutoff. Email to Client: Exception Decisions have been automatically submitted for processing to meet our processing deadline. The exceptions will be listed Exception Processed Activity screen with an asterisk "*" next to the Action indicating they were automatically submitted by your financial institution. These exceptions were submitted with the default decision Pay. Please contact your Financial Institution for questions. Exception Decisions automatically processed date and time: 03-14-2003 10:37:17 AM PST

46. p 46 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Positive Pay Exception Decisions - Sent Activity **Once a decision has been sent, the customer can’t change the decision. Ten days of sent activity display on this screen.

47. p 47 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Register Status Assignment Exception StatusDecisionStatus in Register All Exceptions StatusPayPaid Amount MismatchReturnOutstanding Paid Over StopReturnStop Paid Over StaleReturnStale Paid No IssueReturnDeleted Duplicate PaidReturnN/a Paid VoidReturnVoid This table shows the resulting status in the issue register, based on the exception reason and decision made by the customer.

48. p 48 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Check Cashing Policy for Positive Pay Intuit Financial Services recommends to financial institutions with the Positive Pay product put a procedure in place to identify positive pay accounts when checks are presented for payment over the counter (in the branch). The procedure may include some way for the branch personnel to verify that the check has in fact been issued by the commercial customer. This could entail placing a flag on the account requiring they call the customer before cashing the check, providing designated employee(s) with a login ID and password to the Customer Platform for that business, or the customer providing a downloaded file of their issues to the financial institution. This procedure may need to be stipulated in the Positive Pay agreement. If a check is cashed at a teller window or otherwise in person and it is a fraudulent check, it will appear as an exception item the next day.

49. Admin Platform: ARP Processing

50. p 50 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. File Processing – Process ARP Exceptions Financial institutions with Processing Method 2 (the method you have selected) will only use Process ARP Exceptions. The other two options will display but be grayed out (therefore cannot be selected). Once a customer submits an exception decisions file for processing, the FI administrator designated under Workflow Email Routing will receive an email notification (unless…?).

51. p 51 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. File Processing – Process ARP Exceptions Steps to process exception decisions: 1)Sort table according to the Action column. 2)(optional) Review the company details via the Company Name & ID link. 3)Check the Select box next to the specific items or Select All to select all exceptions listed. 4)Click either Download or Download/Print (this triggers an email notice back to the company). 5)Items are then moved to the Show Backup screen (and remain there for 10 calendar days). 6)For exceptions marked as “Return”, most likely this involves manually returning the check from the host. For exceptions marked as “Pay”, most likely this involves allowing the check to clear on through.

52. p 52 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. File Processing – Pending ARP Decisions The FI administrator can click on the “Show Pending” button to view outstanding exception decisions. The FI administrator does not take any action; the system automatically assigns the default decision after cutoff time to items not decided by the customer, and then automatically moves these pending items to the Process screen when an administrator accesses “Process ARP Exceptions”.

53. Reports & Wrap Up

54. p 54 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Billing & Reporting - Customer Activity Reporting Transaction types relating to ARP on the Customer Platform are circled here.

55. p 55 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Billing & Reporting - Financial Institution Activity Transaction types relating to ARP concerning activity at the Admin Platform are circled here.

56. p 56 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Summary of Key Points The designated FI administrator must process ARP exceptions files DAILY. Although there is not an issues cutoff time, we recommend training your customers to enter issues into the Register prior to your ARP runtime. We recommend you encourage your customers to enter issues daily rather than weekly, monthly, etc. This will ensure that a check will not clear the host before it is loaded in the Issues Register; otherwise, the check would clear and become an exception item. A customer needs to upload or input ONLY outstanding issues (important to stress for new users). Intuit Financial Services’ ARP Processing System only pulls checks that cleared the host from that business day. If the customer enters a check into the Register that has already cleared the host, it will remain outstanding indefinitely.

57. p 57 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Recap of Reconciliation Processing Overview Business User FI Administrator Financial Institution Host Intuit Financial Services 5 2 4 1 *3 6 1.Business user enters checks into Business Banking. 2.Financial institution host sends cleared checks to Intuit Financial Services. 3.*Intuit Financial Services reconciles checks (triggers email to business if exceptions are found). 4.Business submits pay or return exceptions into Customer Platform. 5.FI administrator gets email notice and downloads exception decisions (triggers email to business). 6.FI administrator updates host. * Remember, the process may stop at Step 3 if checks clearing the host match up with checks in the ARP register.

58. p 58 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Main Objective: Support businesses using the Account Reconciliation/Positive Pay (ARP) feature in Business Banking. By now you should be able to: Describe to a customer the purpose and basics of Account Reconciliation and Positive Pay Set up your ARP service in the FI Admin Platform Set up a customer with ARP Walk a customer through the steps to use Account Reconciliation and Positive Pay Process exception decisions Recap of Objectives Note: Knowledge of the core Business Banking functionality, including navigation in the FI Admin Platform and the Customer Platform, is a prerequisite for this training.

59. p 59 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Questions? Pause the webcast to jot down your question(s), then email them within 2 business days after the webcast to ifsuniversity@intuit.com.

60. p 60 Account Reconciliation & Positive Pay Certification Webcast © 2010 Intuit May not be reproduced in whole or in part without written permission. Webcast Survey Hang on… we’re almost done! Please take a minute to complete the webcast survey at http://www.customersat3.com/csc/SatisfactionSurvey When you close this webcast recording, a new browser window will open with the survey. You’ll select “Business Banking” and “ARP” from the dropdowns on the survey. Your feedback is valuable to us! Please let us know:  if this webcast provided valuable information to you  how the trainer presented the material