Setting Account Assignments
When you select a User, the Permissions Selection list boxes display with accounts associated with the selected user.

• Assign accounts to a user by moving an Inactive Account to the Active Account list.
• Unassign accounts from a user by moving an Active Account to the Inactive Account list.

Changing Type/Limit for Active Accounts
The top of the Active Accounts list box contains the Change Type/Limit button. When you add an account to a user, you must select this button and define the parameters of each account assigned to the user. There are four fields of information to define:

• Account Type - Defines whether the user may move money from (Debit) the account, to (Credit) the account, or both (Debit/Credit)
• Max Amount - Defines the maximum amount of money the user can move from the account with any one transfer. For example, if the Max Amount limit is set at $1000, the user can generate individual book transfers that debit the account for no more than $1000.
• Max Amount per Day - Defines the maximum amount of money the user can move from the account for a single processing day. For example, if this limit is set at $5000, the user can debit the account for a total of $5000 in a single processing day. Each processing day's total is tracked separately so that if the user enters a transfer for a future date, that future day's totals will be affected.
• Max Number per Day - Defines the total number of debit book transfers that the user can initiate for a single processing day. For example, if the limit is 10, even if the Max Amount per Day limit has not been reached, no more than 10 debiting transfers can be initiated.

At a minimum, the Account Type must be defined. When the Change Type/Limit button is selected, the Account Type field defaults to "debit/credit" and the max limit fields defaults to "None". If the user is not to have any limits imposed, and may move money into and out of the account(s), these defaults may be left as is. Alternatively, any or all limit fields may be defined with a value. Each field functions independently of the others and therefore some may have a limit defined and some may be left with no limit.

Once all necessary changes have been made, selection of the Submit button saves the changes. Selecting the Reset button clears all entries made and sets all fields to the values they had at the beginning of the session.

Book Transfer Input
The Book Transfer Input Service enables you to move funds between two accounts at The Exchange Bank. The Exchange Bank has established accounts between which you may move money and may have worked with your company to determine how much you can move within any given day.

Creating a Book Transfer consists of selecting the from and to accounts, entering a transfer amount, an optional processing date, and some informational text. Once the Transfer has been entered, you receive a confirmation message reiterating the information generated and providing you with a reference number that you can use in tracking.

The Book Report Service, a separate service, allows you to review Book Transfers entered for today and previous days.

The Confirmation Page
The Confirmation Page displays all the details about your book transfer. You can print this page and use it for future reference. The information displayed includes:

• Your Name
• Your Company's Name
• Your Address
• The Debit Account Number and Name from which you are moving money
• The Credit Account Number and Name to which you are moving money
• Any Additional Information you entered
• The Date and Time you added the transfer to this system
• A Response indicator, showing whether the bank's system accepted your transfer request
• The amount of money to be moved between the specified accounts
• The date on which the transfer will be posted
• A system wide reference number consisting of Julian Date and unique sequence number
• A sequential company wide reference number
• Legal information
• A blue underlined e-mail link to Customer Service, in case you have questions

Once you have received this confirmation message, you can be assured that the bank has or will receive your transfer to process. At this point, you may select the Book Input Service to enter another book transfer, select another service within this system, or logout of the system.

Setting Data Selection Criteria

From Account Number List
This list box displays accounts "from" which you may move funds. Each account in the list is identified by account number, currency, and account name. To select an account, scroll through the list to find the account that you want to move money out of (debit) and click on it. The account you select is displayed in the From Account window. The system will not allow you to use the same From and To account in a single Transfer.

To Account Number List
This list box displays accounts "to" which you may move money. Each account in the list is identified by account number, currency, and account name. To select an account, scroll through the list to find the account that you want to move money into (credit) and click on it. The account you select is displayed in the To Account window. The system will not allow you to use the same From and To account in a single Transfer.

Amount
This is the amount of money to move from one account to the other. If you are entering dollars and cents, you need to enter a decimal between the dollar value and the cents value. If you are entering zero cents, you are not required to enter a decimal. If you are entering more than $999.99, you may enter commas, but they are not required.

The Exchange Bank may impose daily and individual transfer limits on each account from which you may move money. If so, there may be a limit to the

• amount you may move in a single transfer, from a single account
• amount you may move in a single day, from a single account
• number of transfers you may make in a single day, from a single account.

If you try to exceed any of these limits, the system displays a message stating that you are trying to move too much.

Processing Date
This is the date on which you want The Exchange Bank to make the transfer between the two accounts. The system automatically supplies the date of the soonest available business day in this field. The Exchange Bank has defined a cutoff time for accepting book transfers for today's processing. If you are entering a transfer after that cutoff time, the date in this field will be the next business day on which this transfer could be posted. You may also enter a date in the future, if suitable. Book transfers entered for future dates are held by the bank until the specified date, on which they are to be posted. The system will not allow you to enter transfers for holidays or non-business days such as weekends.

Additional Information
This optional field allows you to provide up to 80 characters of information. This information is reflected on the Book Transfer Report and can be used for your internal reference. If The Exchange Bank accepts the information on the transfer, it may be reflected on your balance statement. Check with your account manager to determine if this information is passed through the bank's systems.

The Data Entry Page Buttons

• Submit - Once you have entered all information and have looked over your entry, click this button to send the transfer to the bank. Depending on how The Exchange Bank processes transfers initiated by this system, your transfer will either be posted to your account immediately or later in the day. Check with your account representative to determine when posting is actually performed. Once you have clicked on the Submit button, you are presented with a Confirmation Page. The Confirmation Page displays all the details about your book transfer. You can print this page and use it for future reference.
• Reset - This button resets all fields to their original values. The account selection lists resets to display the first account in the list, the amount is reset to zero, the processing date is set to the next business day, and the additional information is blanked out. This allows you to start over, if needed.

Book Report
Book Transfer Report lets you review Book Transfers generated through this system. To generate a report, you must filter the amount of information displayed by entering selection criteria through the Data Selection Page. You may specify such criteria as dates, amounts, accounts, and sort order. The report is presented in a horizontal format, with up to three lines per transfer, and separated by account. You may print the report to save a paper copy for future reference.

The Book Transfer Report
This report displays the book transfers specified through the Data Selection Page. You may print the report to save it for future reference. It consists of two sections, the header and the body.

The report header contains:

• Your company's name
• The name of the report, Book Transfer Report
• The dates specified on the Data Selection Page
• The date and time you displayed the report

The body of the report is divided by From (Debit) account, unless you specified To account in the Sort selection list, in which case the body is divided by To (Credit) account. Within each account section the transfers are sorted by trace number/processing date unless you specified amount.

The information for each transfer is reported on up to three lines: the first line being the details of the transfer, the second line being any additional information entered and the third line being the bank's host system's response.

• "Non-sort by" account number
• "Non-sort by" account name
• Processing date, the date on which the bank will/did process the transfer
• Amount
• Date and time the transfer was entered.
• Bank Trace Number
• Customer Trace Number

From and To Account Number Lists
This multi-selection list box displays the banks and accounts for which you may view information. The default selection is "All Accounts," which would display all information for all accounts to which you have access. Each account in the list is identified by the reporting bank, account number, currency, and account name.

Entry and Processing Dates
To the left of the Date field is a select list containing the values entry and processing. Because the system allows you to enter book transfers to be processed in the future, this select list gives you the flexibility to determine whether the date or dates that you want represented in the report are those on which data was entered (entry date) or those for which data was entered (processing date.) If you select entry, all subsequent filters are applied to transfers that were entered on the date(s) you enter in the date fields to the right, regardless of when they were processed by the bank. If you select processing, all filters apply to transfers that were processed by the bank on the date(s) that you select, regardless of when they were entered.

The date fields default to the current date, but you may enter any appropriate date in the past or future. The date must be entered in day, month, year format using the numeric values of the month, such as 01 for January and 12 for December. You may enter the year as four digits or two, even after 1999. The dates you enter are inclusive and if transfers exist for these dates, they are displayed.

Amount
This is the amount of the item or items to display. The amount values you enter are inclusive and if transactions of this amount exist, they are displayed.

Bank Trace Number
This is the confirmation number that was assigned to the book transfer when it was entered. The bank trace number is made up of a Julian Day number, followed by a sequential number which represents the individual book transfer. For example, a bank trace number of 320010 would represent the 10th book transfer entered for processing date February 1. This number is unique across your bank.

Customer Trace Number
This is the confirmation number assignment used for book transfers initiated by your company. It is a sequential number between 1 and 9999. It is not tied to any particular date or year, but is intended to help you track the transfers entered by you and your co-workers. This number is unique within your company for the Book Transfer Service. Other transaction initiation services use their own customer trace number.

Setting Report Characteristics

Type

• Type currently defaults to Summary. From this Summary report, you may select a specific transfer and view its detail. The Detail option is reserved for future use.

Style

• Style currently defaults to Table. The report displays with column headers displayed in The Exchange Bank's colors. The Raw option is reserved for future use.

Sort
This determines how information is sorted in the report. You may select:

• from account
• to account
• amount
• processing date

The Data Selection Page Buttons

• Submit - After you have selected the desired filters, selecting this button generates the requested report, which is displayed as a new page in your browser work area.
• Reset - This option resets all filter fields to their original values.