Internet Banking. Member User Guide

Internet Banking Member User Guide

Table of Contents 1. Introduction... 4 2. Getting Started... 5 2.1 Register... 5 2.2 Login... 5 2.3 Alerts... 7 2.4 Conditions of Use... 8 2.5 Accounts & Balances... 9 2.6 Transactions... 10 2.7 Advanced Search... 12 2.8 Security Check... 13 3. Menu Navigation... 14 4. Quick Links... 16 5. Two Factor Authentication (2FA)... 17 5.1.1 What is 2FA?... 17 5.2 Vasco Token... 18 5.2.1 What is a Vasco Token device?... 18 5.2.2 How do I register for a Vasco Token?... 18 5.3 SMS Token... 19 5.3.1 What is an SMS Token?... 19 5.3.2 How do I register for an SMS Token?... 19 5.4 TA Password... 20 5.4.1 What is a TA Password?... 20 5.4.2 How do I use the TA Password?... 21 6. Daily Transfer Limits... 22 7. Accounts... 23 8. Business Banking... 24 9. Transfers... 25 9.1 Funds Transfer Internal Immediate... 25 9.2 Funds Transfer Internal Future Dated and/or Recurring... 27 9.3 Funds Transfer External Immediate... 30 9.4 Funds Transfer External Future Dated and/or Recurring... 34 9.5 View/Modify Future Dated Payments... 38 9.6 Manage Payees... 41 9.6.1 Add Payee... 41 9.6.2 Edit/Delete Payee... 41 9.7 isaver Member Transfers... 44 9.7.1 Debit isaver Account (To Other Financial Institution)... 45 9.7.2 Credit isaver Account (From Other Financial Institution)... 46 9.8 Loan Redraw... 47 10. BPAY... 48 10.1 BPAY - Immediate... 48 10.2 BPAY - Future Dated and/or Recurring... 51 10.3 Manage BPAY Billers... 55 10.3.1 Add Bpay Biller... 55 10.3.2 Edit/Delete BPAY Biller... 55 10.4 View/Modify Future Dated BPAY Payments... 58 11. BPAY View... 59 11.1 Introduction... 59 11.2 Product Overview... 60 11.2.1 Available Billers... 60 11.2.1.1 View Biller Details... 61 11.2.1.2 Register Biller... 62 11.2.2 My Billers... 63 11.2.3 My Bills... 64 11.2.3.1 View Bill Summary... 65 11.2.3.2 View Bill... 67 11.2.3.3 Pay Bill... 68 11.2.3.4 Pay Minimum Amount... 69 Internet Banking Member User Guide Page 2 of 125

11.2.3.5 Paid Bill Elsewhere... 69 11.2.4 Payment History... 70 11.2.5 Payment Status... 71 11.2.6 New Bill Alert... 71 12. estatements... 72 12.1 Accessing estatements... 72 12.2 Quicklinks Menu Bar... 72 12.3 View Menu... 73 12.4 New Statement Alert Button... 73 12.5 Registration... 74 12.6 Deregistration... 75 12.7 Toggle between estatements & Accounts & Balances... 76 12.8 View Statements... 77 12.9 Statement Search Filter... 78 12.10 New Statement Alert... 79 12.11 Help... 79 13. View... 80 13.1 estatements... 80 13.2 Transaction Listings... 81 13.3 Future Dated Payments... 82 13.4 YTD interest... 83 13.5 Balance Details... 84 13.6 Accounts... 85 13.7 Direct Debits & Credits... 86 13.8 Register a link TO another Member... 87 13.9 Deregister a link TO another Member... 89 13.10 Overdraft Details... 90 13.11 Loan Details... 91 14. SMS Alerts... 93 14.1 Register for Alerts... 93 14.2 Alert Settings & Options... 94 14.3 View SMS History... 95 15. Security Settings... 96 15.1 Register... 96 15.2 15.3 View/Maintain... 98 Session History... 99 16. Card Management... 100 16.1 Card Activation... 100 17. Maintenance... 102 17.1 Change Contact Details... 102 17.2 Personal Settings... 104 17.3 Download Transactions... 106 17.4 Change Tran Auth Password... 107 17.5 Change Second Password... 108 17.6 Personalise Accounts... 109 17.6.1 Nickname Account... 110 17.6.2 Hide Account... 112 17.6.3 Mask Account... 114 17.7 Change Address... 116 17.8 Change Login Password... 118 18. Applications... 119 18.1 Apply For a Loan... 119 18.2 Apply For a Credit Card... 120 18.3 Open a Savings Account... 121 19. Help... 123 19.1 19.2 Contact Us... 123 User Guide Standard... 124 19.3 User Guide Business Banking... 124 20. Going on Holidays?... 125 Registered to BPAY Pty Ltd ABN 69 079 137 518 Internet Banking Member User Guide Page 3 of 125

1. Introduction Members who are registered for Internet Banking are able to login via our Holiday Coast Credit Union website www.hccu.com.au. This user guide provides members with a step-by-step navigation of the functions offered within Internet Banking including, account balances, transaction lists, account transfers, BPAY payments, online statements, transaction download and much more. Internet Banking also offers users a variety of Security functions to ensure a confident Internet banking experience. These include the use of Crypto Keypad, Two Factor Authentication using TA (Transaction Authentication) Password, Vasco Token or SMS Tokens. Internet Banking Member User Guide Page 4 of 125

2. Getting Started 2.1 Register To register for Internet Banking simply call us on 1300 365 7 24 and we ll have you online in minutes. 2.2 Login 1. To login click on the Internet Banking link on our Holiday Coast Credit Union website www.hccu.com.au. 2. Enter your Member Number & Access Password You should have been issued a temporary login password as part of the registration process. This can be used at first login & you will be prompted to change it to a password of your choosing. 3. Click Login 4. The Identification Page will be returned to confirm your details Internet Banking Member User Guide Page 5 of 125

5. Click Next The Accounts & Balances page should then be displayed. Internet Banking Member User Guide Page 6 of 125

2.3 Alerts After entry of your Member Number and Access Password if there are any new Alerts posted you will be presented with the alerts page. Clicking on the alert text will open a new window for the target site/document. Should you not wish to view details about the alert, you can choose to simply click Next to continue login. Internet Banking Member User Guide Page 7 of 125

2.4 Conditions of Use When you log in for the first time, or if the Conditions of Use have been updated since the last time you logged in, you will be presented with the following page. 1. To view Conditions of Use, click on the hyper link and the document will open in a new window for viewing. 2. After viewing Conditions of Use the check box will automatically be checked 3. To continue with login click Next button Internet Banking Member User Guide Page 8 of 125

2.5 Accounts & Balances By default when you login the page that displays is the Accounts & Balances page where you can view a list of all your accounts. This page also includes some security features at the bottom of the page so you can easily see the date & time of your last transactions & login. Internet Banking Member User Guide Page 9 of 125

2.6 Transactions When you first login to Internet Banking you are presented with your Accounts and Balances page see below. 1 1. To view transactions for a particular account, click on the account 2 3 4 Internet Banking Member User Guide Page 10 of 125

Transaction Types Filter 2. To view transaction for a specific date range enter the oldest and newest dates in the fields. 3. To filter the transaction type, choose type from the drop down box and click Search 4. To find a specific cheque transaction enter the cheque number and click on Search Internet Banking Member User Guide Page 11 of 125

2.7 Advanced Search This function allows you to search transactions using: 1. Additional date filters eg. periods 2. Between two amounts or a specified amount or 3. By searching for particular narrative eg. invoice 000123 Click on the Advanced Search button from the transactions page to complete a search. The screen will display additional fields for use. 1 2 3 Click on the Basic Search button to return to the standard search page. Internet Banking Member User Guide Page 12 of 125

2.8 Security Check Internet Banking provides a security check so that you can verify the last date and time you logged in and transacted via Internet Banking. Internet Banking Member User Guide Page 13 of 125

3. Menu Navigation The standard menu options appear down the left hand side of the page. You can access the sub menu options simply by clicking on the menu name. The menu will expand to show all available options. The menus may vary slightly depending on what type of account you are viewing and on your individual settings. To close the sub menu simply click the menu name again. Internet Banking Member User Guide Page 14 of 125

Below is a table outlining the sub menu options available. Primary Menu Sub Menu Options All Accounts Savings Loans Investments Accounts Overdrafts Visa Christmas Club Sweep Accounts Redraw Accounts Create Batch Review Batches Upload Bank File Business Banking Batches in Progress Batch History Change Authority Password Funds Transfer Internal Funds Transfer External Transfers View/Modify Future Dated Payments Manage Payees Loan Redraw Within Holiday Coast Credit Union To Other Financial Institution Transfers (isaver Only) From Other Financial Institution Edit Quickdebits BPAY Manage BPAY Billers BPAY View Available Billers BPAY BPAY View My Billers BPAY View My Bills BPAY View Payment History estatements Transaction Listings Future Dated Payments YTD Interest Balance Details View Accounts Direct Debits & Credits Register a link TO Another Member Deregister a link TO Another Member Overdraft Details Loan Details Alert Settings & Options SMS Alerts View SMS History Register Security Settings View/Maintain Session History Card Management Card Activation Change Contact Details Personal Settings Download Transactions Change Tran Auth Password Maintenance Change Second Password Personalise Accounts Change Address Change Login Password Apply for a Loan Applications Apply for a Credit Card Open a Savings Account Contact Us User Manual Standard Help User Manual Business Banking General Internet Banking Member User Guide Page 15 of 125

4. Quick Links The Quick Links menu appears at the top of the page. It is a static menu, which provides the most frequently used Internet Banking functions. These static menu options will appear on the majority of Internet Banking pages. Internet Banking Member User Guide Page 16 of 125

5. Two Factor Authentication (2FA) 5.1.1 What is 2FA? 2FA provides you with a second level of security when performing specific functions within Internet Banking. The second level password or code may be one of the following depending on your External Transfer Limits and your BPAY Limits. Vasco Token SMS Token TA (Transaction Authentication) Password In combination with the second factor authentication, the first level will be your Login Password. Internet Banking Member User Guide Page 17 of 125

5.2 Vasco Token 5.2.1 What is a Vasco Token device? It is a small portable device that at a single press of the button generates a dynamic one-time password for use within Internet Banking. The device can be carried on your key ring, worn around your neck or simply placed in your pocket or purse. Vasco Tokens are available on request to members who wish to ensure maximum-security protection for Internet banking. Either a Vasco or SMS token is mandatory for users with Funds Transfer External (FTE) and/or BPAY limits greater than $2000. Members registered for a Vasco Token will be prompted to use the Vasco Token when they perform any of the following functions via Internet Banking: - Add new External Transfer Payee Add new BPAY biller Card Management eg. Activation Personalise Accounts Change Contact Details 5.2.2 How do I register for a Vasco Token? Refer to Section 15.1 Register for details on registering for a Vasco from within Internet Banking. Alternatively, you can call us on 1300 365 7 24. Refer to our Fees & Charges brochure for device costs. Internet Banking Member User Guide Page 18 of 125

5.3 SMS Token 5.3.1 What is an SMS Token? An SMS token is a one-time password/code delivered to your registered mobile phone in a text message. Either a Vasco or SMS token is mandatory for users with Funds Transfer External (FTE) and/or BPAY limits greater than $2000. Members registered for an SMS Token will be prompted to use the code when they perform any of the following functions via Internet Banking: - Add new External Transfer Payee Add new BPAY biller Card Management eg. Activation Personalise Accounts Change Contact Details 5.3.2 How do I register for an SMS Token? Simply call us on 1300 365 7 24 & we will have you registered in no time at all. Internet Banking Member User Guide Page 19 of 125

5.4 TA Password 5.4.1 What is a TA Password? A Transaction Authentication (TA) Password is an additional password to utilise as a second factor authentication method. TA Passwords are applied to all registered Internet Banking members who do not have a Vasco or SMS Token, i.e. use only standard FTE and BPAY limits. This password must be different to your login password & is required to input when performing any of the five functions listed below. Add new External Transfer Payee Add new BPAY biller Card Management eg. Activation Personalise Accounts Change Contact Details Initially you will be issued a temporary TA password by a Holiday Coast Credit Union staff member. Before being able to use this password you will be required to change the password. If you attempt to use the password without changing it you will this error: Simply click on the Click Here text to be taken to the Change Tran Auth Password screen. Alternatively, this screen can be found in the Maintenance menu within Internet Banking and this password can be reset/changed at any time. Refer Section 17.4 Change Tran Auth Password for more information. Internet Banking Member User Guide Page 20 of 125

5.4.2 How do I use the TA Password? TA Passwords are entered using the floating Crypto Keypad. Crypto Keypad Technical Details: Crypto Keypad is an HTML based keypad for password entry which uses an enhanced login mechanism designed to help reduce the risk of password capture traditionally associated with key logging techniques. The Crypto Keypad also incorporates a substitution cipher that scrambles passwords using the full 95 keypad character set to further obscure password information. Random movement of the keypad when entering a password is an inbuilt security function designed to prevent cursor mapping. The keypad has been added to any page that requires a TA password and supports the following character set: `1234567890-= abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ []\;,./~!@#$%^&*( )_+{} : <>? space Internet Banking Member User Guide Page 21 of 125

6. Daily Transfer Limits Standard Daily Limits Transaction Type Amount BPAY $2000 Funds Transfer External $2000 Daily Transfer Limit/s Two Factor Authentication Method $0 $2,000 TA Password Greater than $2,000 Vasco Token or SMS Token Internet Banking Member User Guide Page 22 of 125

7. Accounts By clicking on each of the Account options, this will change the display of Accounts & Balances to only those account types selected. Example; Select Accounts\Investments only Investment accounts will be displayed. Account Types All Accounts Savings Loans Investments Overdrafts Visa Christmas Club Sweep Accounts Redraw Accounts Default setting to display All Accounts and Balances Savings Accounts eg. S2, S55, S8 Loan Accounts eg. L3, L53 Note: When a loan is selected, you have an added option in the View menu to view Loan Details Investment Accounts eg. I1 Any account with an Overdraft facility attached Any account with a Visa Card facility attached Displays Christmas Club Accounts Displays Sweep Accounts Note: If no accounts with that facility a message is returned advising of such. Loan accounts with Redraw funds available Internet Banking Member User Guide Page 23 of 125

8. Business Banking Please refer to the separate Business Banking User Guide available on our website www.hccu.com.au or via the Help Menu on the Accounts & Balances page. Note: This menu is only available for members registered for Business Banking. Internet Banking Member User Guide Page 24 of 125

9. Transfers 9.1 Funds Transfer Internal Immediate 1. Access via the Transfers menu or Quicklinks. 2. Select Funds Transfer Internal 3. Select the account to transfer From, using the From Account drop down box 4. Select the account to transfer To using the To Account drop down box 5. Enter the amount you wish to transfer, in the Amount field 6. Enter a Reference (This text will be visible on both the From and To accounts) 7. Select the Transfer Time as Pay Now 8. Click Submit 9. A confirmation page will be displayed Internet Banking Member User Guide Page 25 of 125

10. Verify details & if correct click Confirm, if not click Cancel 11. A receipt page will then be displayed confirming transaction. You can then either: a. Enter Another Transfer to load an additional transfer b. Print To print transaction receipt c. Continue to return to the Accounts & Balances page Internet Banking Member User Guide Page 26 of 125

9.2 Funds Transfer Internal Future Dated and/or Recurring 1. Access via the Transfers menu or Quicklinks. 2. Select Funds Transfer Internal Note: The additional future dated fields will not appear on screen until the Transfer Time Pay Later option is selected and/or Frequency is changed from Once Only. 3. Select the account to transfer From, using the From Account drop down box 4. Select the account to transfer To using the To Account drop down box 5. Enter the amount you wish to transfer, in the Amount field 6. Enter a Reference (This text will be visible on both the From and To accounts) Internet Banking Member User Guide Page 27 of 125

7. Select the Transfer Time as Pay Later 8. Select the desired Transfer Frequency for a one off or regular recurring payment. a. Once Only b. Weekly c. Fortnightly d. Monthly e. Quarterly 9. Enter the Start Date in the First Transfer Date field. Simply click on the field & select the date from the popup calendar. 10. Enter the End Date in the Last Transfer Date field. Simply click on the field & select the date from the popup calendar. Note: If the payment is to be permanent, enter NEVER in this field. 11. Click Submit 12. A confirmation page will be displayed Internet Banking Member User Guide Page 28 of 125

13. Verify details & if correct click Confirm, if not click Cancel 14. A receipt page will then be displayed confirming transaction. You can then either: a. Enter Another Transfer to load an additional transfer b. Print To print transaction receipt c. Continue to return to the Accounts & Balances page Internet Banking Member User Guide Page 29 of 125

9.3 Funds Transfer External Immediate 1. Access via the Transfers menu or Quicklinks. 2. Select Funds Transfer External 3. Select the account to transfer From, using the From Account drop down box 4. Select the Payee from the drop down box if existing payee or 5. Enter New Payee BSB, Account Number & Account Name Note: If you enter new Payee details instead of an existing payee the system will recognise it as New & you will be prompted for Second Factor Authentication (2FA) to allow successful transaction Refer to Section 5 Two Factor Authentication for further details. 6. Enter the amount you wish to transfer, in the Amount field 7. Enter a Reference Internet Banking Member User Guide Page 30 of 125

(This text will be visible on both the From and To accounts) 8. Select the Transfer Time as Pay Now 9. Click Submit 10. A confirmation page will be displayed Additional 2FA information required when adding a new payee. 11. If existing Payee go to Step 13. 12. If a new Payee, select the Security Option being used eg. SMS OTP or TA Password; a. SMS i. Click the Send One Time Password button to receive a code via SMS Internet Banking Member User Guide Page 31 of 125

ii. Once code received, select SMS OTP option again from the Security Option drop down list iii. A new field will be available to enter the code b. TA Password enter the TA Password using the floating Crypto Keypad (Refer Section 5.3 TA Password for further details) 13. Verify details & if correct click Confirm, if not click Cancel 14. A receipt page will then be displayed confirming transaction. You can then either: d. Enter Another Transfer to load an additional transfer e. Print To print transaction receipt f. Continue to return to the Accounts & Balances page Internet Banking Member User Guide Page 32 of 125

Internet Banking Member User Guide Page 33 of 125

9.4 Funds Transfer External Future Dated and/or Recurring 1. Access via the Transfers menu or Quicklinks. 2. Select Funds Transfer External Note: The additional future dated fields will not appear on screen until the Transfer Time Pay Later option is selected and/or Frequency is changed from Once Only. Internet Banking Member User Guide Page 34 of 125

3. Select the account to transfer From, using the From Account drop down box 4. Select the Payee from the drop down box if existing payee or 5. Enter New Payee BSB, Account Number & Account Name Note: If you enter new Payee details instead of an existing payee the system will recognise it as New & you will be prompted for Second Factor Authentication (2FA) to allow successful transaction. Refer to Section 5- Two Factor Authentication for further details. 6. Enter the amount you wish to transfer, in the Amount field 7. Enter a Reference (This text will be visible on both the From and To accounts) 8. Select the Transfer Time as Pay Later 9. Select the desired Transfer Frequency for a one off or regular recurring payment. d. Once Only e. Weekly f. Fortnightly g. Monthly h. Quarterly 10. Enter the Start Date in the First Transfer Date field. Simply click on the field & select the date from the popup calendar. 11. Enter the End Date in the Last Transfer Date field. Simply click on the field & select the date from the popup calendar. Internet Banking Member User Guide Page 35 of 125

Note: If the payment is to be permanent, enter NEVER in this field. 12. Click Submit 13. A confirmation page will be displayed Additional 2FA information required when adding a new payee. 14. If existing Payee go to Step 16 15. If a new Payee, select the Security Option being used eg. SMS OTP or TA Password; a. SMS i. Click the Send One Time Password button to receive a code via SMS Internet Banking Member User Guide Page 36 of 125

ii. Once code received, select SMS OTP option again from the Security Option drop down list iii. A new field will be available to enter the code b. TA Password enter the TA Password using the floating Crypto Keypad (Refer to Section 5.3 TA Password for further details) 16. Verify details & if correct click Confirm, if not click Cancel 17. A receipt page will then be displayed confirming transaction. You can then either: a. Enter Another Transfer to load an additional transfer b. Print To print transaction receipt c. Continue to return to the Accounts & Balances page Internet Banking Member User Guide Page 37 of 125

9.5 View/Modify Future Dated Payments 1. Access via the Transfers menu. 2. Select View/Modify Future Dated Payments 3. A page will be returned displaying all current future dated payments Edit Payment 1. Click the Edit button for the required payment & the following page will be displayed 2. The following fields can be edited: Internet Banking Member User Guide Page 38 of 125

a. Amount b. Next Due Date c. Frequency d. Expiry Date 3. Update the payment as required 4. Click Submit 5. A message will be returned advising payment has been successfully updated 6. Click Continue & you will be returned to the View/Modify Payments page. The payment should now reflect the changes just made. Delete Payment 1. Click the Delete button for the required payment & the following page will be displayed 2. Verify the correct payment has been selected 3. Click OK to delete the payment 4. A message will be returned advising payment has been deleted Internet Banking Member User Guide Page 39 of 125

5. Click Continue & you will be returned to the View/Modify Payments page. The payment should no longer be in the list. Internet Banking Member User Guide Page 40 of 125

9.6 Manage Payees 9.6.1 Add Payee Adding a new payee is performed at the time of processing a transfer. You load the new payee details & enter a 2FA method to allow the payment. Refer to Section 9.3 Funds Transfer External for further details. 9.6.2 Edit/Delete Payee 1. Access via the Transfers menu. 2. Select Manage Payees 3. A page will be returned displaying all current payees Edit Payee 1. Click the Edit button for the required payment & the following page will be displayed Internet Banking Member User Guide Page 41 of 125

2. Only the Reference data can be modified as changing any other data is the same as adding a new payee. If BSB, Account Number or Account Name require changing you need to add it as a new payee. 3. Update the payment as required 4. Click Submit 5. A message will be returned advising payee has been successfully updated 6. Click Continue Internet Banking Member User Guide Page 42 of 125

Delete Payee 1. Click the Delete button for the required payment & the following page will be displayed 2. Verify the correct payment has been selected 3. Click OK to delete the payment 4. A message will be returned advising payment has been deleted 5. Click Continue Internet Banking Member User Guide Page 43 of 125

9.7 isaver Member Transfers For isaver Memberships the menu options are reduced. Modified Quick Links Reduced Menu Options Note: isaver Memberships can only transfer To & From their nominated linked membership, all other transfer functionality is blocked. Internet Banking Member User Guide Page 44 of 125

9.7.1 Debit isaver Account (To Other Financial Institution) 1. Select the To Other Financial Institution option from the Quicklinks menu or within the Transfers menu. 2. The From Account & Payee Details will be hard coded as part of the setup & registration. 3. Complete the transfer details as required Refer to Section 9 Transfers for further details. Internet Banking Member User Guide Page 45 of 125

9.7.2 Credit isaver Account (From Other Financial Institution) 1. Select the From Other Financial Institution option from the Quicklinks menu or within the Transfers menu. 2. The To Account & Payer Details will be hard coded as part of the setup & registration. 3. Complete the transfer details as required Refer Section 9 Transfers for further details. Internet Banking Member User Guide Page 46 of 125

9.8 Loan Redraw The Loan Redraw option is only accessible if you are logged into a Membership that has eligible loan redraw accounts. 1. Access via the Transfers menu. 2. Select Loan Redraw option 3. Select the Loan Redraw account to transfer From, using the From Account drop down box 4. Select the account to transfer To using the To Account drop down box 5. Enter the amount you wish to redraw, in the Amount field 6. Click Submit 7. A confirmation page will be displayed 8. Verify details & if correct click Confirm, if not click Cancel 9. A receipt page will then be displayed confirming transaction. You can then either: a. Enter Another Transfer to load an additional redraw b. Print To print transaction receipt c. Continue to return to the Accounts & Balances page Internet Banking Member User Guide Page 47 of 125

10. BPAY 10.1 BPAY - Immediate 1. Access via the BPAY menu or Quicklinks. 2. Select BPAY option 3. Select the account to transfer From, using the From Account drop down box 4. Select a Biller from the Select Biller drop down box if existing biller or 5. Enter New Biller and CRN Note: If you enter new Biller details instead of an existing Biller the system will recognise it as New & you will be prompted for Second Factor Authentication (2FA) to allow successful transaction (Refer Section 5 Two Factor Authentication for further details). 6. Enter the amount you wish to transfer, in the Amount field Internet Banking Member User Guide Page 48 of 125

7. Select the Transfer Time as Pay Now 8. Click Submit 9. A confirmation page will be displayed Additional 2FA information required when adding a new biller. 10. If existing Biller go to Step 12 11. If a new Biller, select the Security Option being used eg. SMS OTP or TA Password; c. SMS i. Click the Send One Time Password button to receive a code via SMS Internet Banking Member User Guide Page 49 of 125

ii. Once code received, select SMS OTP option again from the Security Option drop down list iii. A new field will be available to enter the code d. TA Password enter the TA Password using the floating Crypto Keypad (Refer Section 5.3 TA Password for further details) 12. Verify details & if correct click Confirm, if not click Cancel 13. A receipt page will then be displayed confirming transaction. You can then either: a. Enter Another Transfer to load an additional transfer b. Print To print transaction receipt c. Continue to return to the Accounts & Balances page Internet Banking Member User Guide Page 50 of 125

10.2 BPAY - Future Dated and/or Recurring 1. Access via the BPAY menu or Quicklinks. 2. Select BPAY option Note: The additional future dated fields will not appear on screen until the Transfer Time Pay Later option is selected and/or Frequency is changed from Once Only. Internet Banking Member User Guide Page 51 of 125

3. Select the account to transfer From, using the From Account drop down box 4. Select the Biller from the drop down box if existing biller or 5. Enter New Biller and CRN Note: If you enter new Biller details instead of an existing Biller the system will recognise it as New & you will be prompted for Second Factor Authentication (2FA) to allow successful transaction (Refer Section 5 Two Factor Authentication for further details). 6. Enter the amount you wish to transfer, in the Amount field 7. Select the Transfer Time as Pay Later 8. Select the desired Transfer Frequency for a one off or regular recurring payment. i. Once Only j. Weekly k. Fortnightly l. Monthly m. Quarterly 9. Enter the Start Date in the First Transfer Date field. Simply click on the field & select the date from the popup calendar. 10. Enter the End Date in the Last Transfer Date field. Simply click on the field & select the date from the popup calendar. Note: If the payment is to be permanent, enter NEVER in this field. 11. Click Submit Internet Banking Member User Guide Page 52 of 125

12. A confirmation page will be displayed Additional 2FA information required when adding a new biller. 13. If existing Biller go to Step 15 14. If a new Biller, select the Security Option being used eg. SMS OTP or TA Password; e. SMS i. Click the Send One Time Password button to receive a code via SMS Internet Banking Member User Guide Page 53 of 125

ii. Once code received, select SMS OTP option again from the Security Option drop down list iii. A new field will be available to enter the code f. TA Password enter the TA Password using the floating Crypto Keypad (Refer Section 5.3 TA Password for further details) 15. Verify details & if correct click Confirm, if not click Cancel 16. A receipt page will then be displayed confirming transaction. You can then either: d. Enter Another Transfer to load an additional transfer e. Print To print transaction receipt f. Continue to return to the Accounts & Balances page Internet Banking Member User Guide Page 54 of 125

10.3 Manage BPAY Billers 10.3.1 Add Bpay Biller Adding a new biller is performed at the time of processing the payment. You load the new biller details & enter a 2FA method to allow the payment. Refer to Section 10 BPAY for detailed information on making a BPAY payment. 10.3.2 Edit/Delete BPAY Biller 1. Access via the BPAY menu 2. Select Manage BPAY Billers option 3. A page will be returned displaying all current billers Edit Biller 1. Click the Edit button for the required biller & the following page will be displayed Internet Banking Member User Guide Page 55 of 125

2. Only the Reference data can be modified as changing any other data is the same as adding a new biller. 3. If Biller Code requires changing you need to add it as a new biller. 4. Update the biller as required 5. Click Submit 6. A message will be returned advising biller has been successfully updated 7. Click Continue Delete Biller 1. Click the Delete button for the required biller & the following page will be displayed Internet Banking Member User Guide Page 56 of 125

2. Verify the correct biller has been selected 3. Click OK to delete the biller 4. A message will be returned advising biller has been deleted 5. Click Continue Internet Banking Member User Guide Page 57 of 125

10.4 View/Modify Future Dated BPAY Payments All future dated payments including both Internal Transfers, External Transfers & BPAY payments are accessible via the same page View/Modify Future Dated Payments in the Transfers menu. Payments can be both edited & deleted from this section. If you only wish to view your future dated payments a view only option is available from within the View menu. Refer Section 9.5 View/Modify Future Dated Payments for full details. Internet Banking Member User Guide Page 58 of 125

11. BPAY View 11.1 Introduction BPAY View is a product offering from BPAY that allows a user to receive, view and pay their bills online. When used in conjunction with Internet Banking, this service allows members to register for the service, receive bill summaries and provide links to Biller systems to display full bill details. BPAY View includes the following key functionality: Member Registration A user is registered for a particular Biller s service via Internet Banking. Bill Summary Display A summary of all bills that have been received from the billers the user is registered with. Bill Details Display A user can be securely passed to the Billers web site for full display of bill details. Bill Notification Members will be advised within Internet Banking when a bill arrives. Bill Payment History Shows a summary history of BPAY View bills. The use of BPAY View is completely optional, should members choose not to register for BPAY View billers, they may continue to use the existing standard BPAY functions. Internet Banking Member User Guide Page 59 of 125

11.2 Product Overview 11.2.1 Available Billers 1. Access via the BPAY menu 2. Select BPAY View Available Billers option 3. A page will be returned displaying all current billers available for registration. To ensure that the list of billers is up to date, Internet Banking retrieves an updated list from BPAY each day. If a biller is not listed then they are not yet part of the BPAY View scheme and cannot send members electronic bills. Options to view biller information and to register a biller are provided via the action column. Internet Banking Member User Guide Page 60 of 125

11.2.1.1 View Biller Details You can click on View Biller button to view to view biller details & verify if the correct biller required. Internet Banking Member User Guide Page 61 of 125

11.2.1.2 Register Biller 1. Access via the BPAY menu 2. Select BPAY View Available Billers option 3. A page will be returned displaying all current billers 4. Click the Register button for the required biller 5. Registration information required to register as well as the Info Text displayed is entirely dependent on the biller requirements and will vary biller to biller and cannot be changed by the credit union. 6. Enter required information Online validation is used to ensure that details are correct prior to submitting a registration request. 7. Click Submit 8. Once details are submitted, a registration request is immediately sent to the biller; however they have up to 72 hours to action the request. Internet Banking does not automatically approve registration requests and will display the status as PENDING via the My Billers page. Internet Banking Member User Guide Page 62 of 125

11.2.2 My Billers 1. Access via the BPAY menu 2. Select BPAY View My Billers option 3. A page will be returned displaying a listing of the billers that have been registered to receive electronic bills and their status. Actions available are based on the Status of the registration and are as follows: Pending View Biller Active View Biller, Deregister Inactive View Biller, Register Deactivating View Biller Internet Banking Member User Guide Page 63 of 125

11.2.3 My Bills 1. Access via the BPAY menu 2. Select BPAY View My Bills option 3. A page will be returned displaying all BPAY bills now available for viewing and payment online. Options available on the My Bills page are as follows: a) View Bill Summary Displays a summary of the bill information such as biller details, bill amount, due date. Note: This is not the electronic version of the bill. b) View Bill Is a link to the electronic bill or secure login page to access and view the bill. c) Pay Bill Links to BPAY payment screen with bill details and amount pre populated. d) Pay Minimum Amount Links to BPAY payment screen with payment amount pre populated to the minimum payment amount (if applicable) e) Pay Bill Elsewhere Manually flags an unpaid bill as paid and moves the bill to the Payment History screen should a payment have been made via another payment method (cash, credit card, cheque etc) Internet Banking Member User Guide Page 64 of 125

11.2.3.1 View Bill Summary Bill summary information is available from the View Bill Summary link on the My Bills page. Information is obtained from the biller and cannot be altered by the credit union. 123456 200000012345 067000012345 Internet Banking Member User Guide Page 65 of 125

Bill Types Billers are able to send different bill types for payment, such as a Mandatory Bill for Payment or Bill for Payment. Bills flagged as being mandatory must be viewed before a payment can be made; with an error returned should a member attempt to pay a mandatory view bill without having first viewed it. Bill types are as follows: Bill Type BILL FOR PAYMENT BILL NOT REQUIRING PAYMENT MANDATORY BILL FOR PAYMENT MANDATORY BILL NOT REQUIRING PAYMENT REPLACEMENT BILL FOR PAYMENT REPLACEMENT BILL NOT REQUIRING PAYMENT REPLACEMENT MANDATORY BILL FOR PAYMENT REPLACEMENT MANDATORY BILL NOT REQUIRING PAYMENT Description Normal bill requiring payment A bill not requiring payment such as a bill with zero balance or account in credit. A bill that must first viewed prior to accepting a payment A mandatory bill not requiring payment such as a bill with zero balance or account in credit. Normal bill requiring payment which replaces a previously issued erroneous bill. A bill not requiring payment such as a bill with zero balance or account in credit, which replaces a previously issued erroneous bill. Normal mandatory bill which must be paid, and which replaces a previously issued erroneous bill. A mandatory bill not requiring payment such as a bill with zero balance or account in credit, which replaces a previously issued erroneous bill. Internet Banking Member User Guide Page 66 of 125

11.2.3.2 View Bill To view the electronic copy of the bill, select the View Bill button. The format of the bill is at the discretion of the biller and may be a PDF version of the paper or a secure login web page. Internet Banking Member User Guide Page 67 of 125

11.2.3.3 Pay Bill The Pay Bill action will pre-populate the full bill amount and biller/crn details ready for payment. Payments to BPAY View use the standard BPAY payment process so payments can be created as immediate, future dated etc. 200000012345 Bill total due amount pre populated Refer Section 10 - BPAY for full BPAY payment information. Internet Banking Member User Guide Page 68 of 125

11.2.3.4 Pay Minimum Amount The Pay Minimum Amount action will pre-populate the minimum payment amount and biller/crn details ready for payment. Payments to BPAY View use the standard BPAY payment process. 11.2.3.5 Paid Bill Elsewhere The Paid Bill Elsewhere action allows members to move an unpaid bill from their active My Bills listing into their payment history. This is helpful should a member have made the biller payment via another means outside of Internet Banking, such as cash, cheque or credit card. Note: Once a bill has been moved into payment history you can no longer view the electronic copy of the bill. Internet Banking Member User Guide Page 69 of 125

11.2.4 Payment History The payment history screen displays a listing of bills that have been fully paid, or have been flagged as having been paid elsewhere. The ability to view an electronic bill once paid is not available however the ability to view the bill summary information is supported. Members also have the ability to manually delete a history payment record using the Delete option. Note: This is PERMANENT and cannot be restored once deleted. 200000012345 200000056789 Internet Banking Member User Guide Page 70 of 125

11.2.5 Payment Status Bills presented for payment within the BPAY View system will have a status assigned. This status is updated based on member actions such as making a full or partial payment or flagging the bill as paid elsewhere. A listing of the applicable status and its meaning are as follows: Bill Status Description Unpaid Partially Paid Paid Elsewhere Paid in Full <date> Unpaid bill requiring payment. Bill that has been partially paid (immediate payment) but still has an outstanding balance. Bill that has been flagged by the member as being paid by another means (such as payment direct to biller) Bill that has been paid in full (immediate payment). i.e. Paid in full 03 DEC 2005 Scheduled Payment <auth #> <date> No Payment Required Bill that has been paid via future dated payment. i.e. Scheduled Payment Auth #44313 Due 01 FEB 2006 Bill that does not require payment (zero balance or credit bill) 11.2.6 New Bill Alert Whenever a new bill arrives, an alert will be displayed at the top of the Accounts & Balances page within Internet Banking. This alert will disappear once the bill is paid. Internet Banking Member User Guide Page 71 of 125

12. estatements 12.1 Accessing estatements You can access estatements from within an Internet Banking session numerous ways. You can either: Click on the estatements option on the Quicklinks Menu Bar Click on the estatements option in the View Menu or When a new statement is available to view, an alert button is displayed on the Balances page advising of such. Regardless of which access option you choose, you will be taken to the View your estatements screen where you can view, save or print your statements on request. 12.2 Quicklinks Menu Bar 1. Click on the estatements option on the Quicklinks Menu Bar 2. The View your estatements screen will be displayed Internet Banking Member User Guide Page 72 of 125

12.3 View Menu 1. Expand the View menu 2. Select estatements option 3. The View your estatements screen will be displayed 12.4 New Statement Alert Button As soon as a new statement is available for viewing, an alert will be displayed on the Accounts & Balances page just above your list of accounts. You can simply click on this link to access your statements. 1. Click on the New estatement Available Click Here to View alert button 2. The View your estatements screen will be displayed Note: As long as a statement remains unread, the new statement alert button will be displayed on the Accounts & Balances page. Internet Banking Member User Guide Page 73 of 125

12.5 Registration To register for estatements you must first be registered for Internet Banking. Once registered for Internet Banking you can simply access the estatements option & when accessing for the first time you will be prompted to Register. By registering to receive your statements online you agree to no longer receive paper based statements & they will now be available to view via Internet Banking. 1. Login to Internet Banking 2. Access estatements (refer Accessing estatements section above) 3. You will be required to read & accept the estatements Conditions of Use 4. If you accept, select I Accept check box 5. Click Activate estatements button 6. A registration successful message should appear on screen; Your registration for estatements was successfully processed 7. Registration confirmation email will also be sent to the email address on file 8. Click Click Here button to view your statements Internet Banking Member User Guide Page 74 of 125

12.6 Deregistration By deregistering to receive your statements online you agree to resume receiving paper based statements. 1. Login to Internet Banking 2. Access estatements (refer Accessing estatements section above) 3. Click Registration menu option 4. You will be required to read & accept the Deregistration Conditions 5. If you accept, select I Accept check box 6. Click Deregister for estatements button 7. A deregistration successful message should appear on screen; You will now be sent your statement in the mail! 8. Deregistration confirmation email will also be sent to the email address on file 9. Click Click Here button to go back to accounts Internet Banking Member User Guide Page 75 of 125

12.7 Toggle between estatements & Accounts & Balances When you access estatements you temporarily no longer have access to your accounts & balances. To leave estatements & go back to your Accounts & Balances page you simply click on the Back to Balances option in the orange Menu Bar. Internet Banking Member User Guide Page 76 of 125

12.8 View Statements The columns on the view statement page are: Statement Date Statement End Date Statement No. System generated unique document identification number Statement Type Either Monthly or Credit Card depending on the type of statement Viewed Viewing status either Yes or No To view a statement: 1. Login to Internet Banking 2. Access estatements (refer Accessing estatements section above) 3. Click on View button for the required document, or 4. Use Search Filter to retrieve a statement for a specific period (see details below) 5. The statement will open as a pdf document which you can then print or save to your PC if required. By default, statements displayed will date back 12 months. However, you can use the statement filter to search for any previous statements (refer Statement Search Filter section below for more information). Internet Banking Member User Guide Page 77 of 125

12.9 Statement Search Filter On the View your estatements page you can filter the statement periods you want to view by using the Search Filter date ranges. The start and end dates can be entered in the following formats: dd/mm/yyyy dd/mmm/yyyy dd/mm/yy To search for an old statement; 1. Login to Internet Banking 2. Access estatements (refer Accessing estatements section above) 3. Enter Start & End date 4. Click Filter button to commence search 5. Page will be returned with the statements for that period 6. Click on the View button for the required statement Internet Banking Member User Guide Page 78 of 125

12.10 New Statement Alert When a new statement is available there will be an Alert displayed on the Accounts & Balances page, this will remind you when you have a new statement available for viewing. You simply click on this alert and it will take you to the View your estatements screen. Once you have viewed all unread statements this alert will no longer appear, until next time a new statement is available. 12.11 Help For summary estatement Help please refer to the Help Menu on the View your estatements page or for the full estatement User Guide which is located in the Help Menu on the Accounts & Balances page. Otherwise please don t hesitate to contact us at ubelong@hccu.com.au or phone on 1300 365 7 24. Internet Banking Member User Guide Page 79 of 125

13. View 13.1 estatements 1. Access via the View menu 2. Select estatements option Use this option to access your electronic estatements. This page is also available via the estatements menu and Quicklinks menu. Refer to Section 12 estatements for further details. Internet Banking Member User Guide Page 80 of 125

13.2 Transaction Listings Transaction listings will generate an informal statement for a nominated period for all accounts. 1. Access via the View menu 2. Select Transaction Listings option 3. Enter transaction listing Start Date in the From Date field 4. Enter transaction listing End Date in the To Date field 5. Click Submit button Internet Banking Member User Guide Page 81 of 125

13.3 Future Dated Payments 1. Access via the View menu 2. Select Future Dated Payments option This option provides a user with View Only access to any future dated payments. If you wish to Edit or Delete a future dated payment, please refer to the View/Modify Future Dated Payments option in the Transfers menu. Internet Banking Member User Guide Page 82 of 125

13.4 YTD interest 1. Access via the View menu 2. Select YTD Interest option 3. A page will be displayed showing details of Interest earned for the Current and Previous Financial Year. Internet Banking Member User Guide Page 83 of 125

13.5 Balance Details Balance details are only displayed for one account at a time so first you need to select the account you wish to view balance details for prior to using this option. 1. On the Accounts & Balances page, click on the required account 2. Access the View menu 3. Select Balance Details option Note: This screen will show transactions that make up the difference between the current balance and the available balance such as: Visa authorisations Uncleared cheques Overdrafts etc. Internet Banking Member User Guide Page 84 of 125

13.6 Accounts 1. Access via the View menu 2. Select Accounts option This will display a list of all accounts and balances. This is the same as the View Accounts option in the Quicklinks menu bar. Internet Banking Member User Guide Page 85 of 125

13.7 Direct Debits & Credits 1. Access via the View menu 2. Select Direct Debits & Credits option 3. Click View button to show further details for required Debit or Credit Internet Banking Member User Guide Page 86 of 125

13.8 Register a link TO another Member This option can be used if for some reason you have multiple memberships in the same name. It will allow you to access both memberships from within the one login, removing the need to log out then log into the other membership. To register, if eligibility criteria met, this facility must first be activated by the Credit Union. 1. Access via the View menu 2. Select Register a link TO another Member option 3. Enter Member Number to Link TO 4. Enter Password for the linked membership 5. Click Submit button 6. If details entered successfully, a confirmation page will be displayed Internet Banking Member User Guide Page 87 of 125

7. A new option will be displayed at the top of the page to be able to access the linked membership. 8. Select the linked membership from the drop down list 9. Click Select button 10. The linked membership should now be displayed just as if you were logged into that membership with all standard access 11. To switch back to the original membership click the new Switch Back button at the top of the page. Internet Banking Member User Guide Page 88 of 125

13.9 Deregister a link TO another Member This option will only be available if a previous link has been setup to another membership. 1. Access via the View menu 2. Select Deregister a link TO another Member option 3. Select member to unlink from the drop down box 4. Click Submit button 5. A confirmation page will be displayed advising link removed successfully 6. You will now no longer see the Switch To options at the top of the page. Internet Banking Member User Guide Page 89 of 125

13.10 Overdraft Details This menu option only becomes visible after you have clicked on an account with an overdraft from the Accounts & Balances page. 1. Access via the View menu 2. Select Overdraft Details option 3. A page will be displayed showing detailed information regarding the overdraft. Internet Banking Member User Guide Page 90 of 125

13.11 Loan Details This menu option only becomes visible after you have clicked on the required Loan account from the Accounts & Balances page. 1. Access via the View menu 2. Select Loan Details option 3. A page will be displayed showing detailed information regarding the loan. Internet Banking Member User Guide Page 91 of 125

Internet Banking Member User Guide Page 92 of 125

14. SMS Alerts SMS Alerts is a messaging service to alert you of certain transactions on your account. The options can be personalised to suit your needs and is managed via Internet Banking. This option is only available if you are not currently registered for Alerts. Once you are registered this option is no longer displayed. 14.1 Register for Alerts 1. Access via the SMS Alerts menu 2. Select Register for Alerts option 3. Enter your Mobile Number 4. Click Submit button 5. Click Continue 6. This will take you to the Alert Settings & Options page where you can configure the settings to suit you. Refer Alert Settings & Options section below for further information. Internet Banking Member User Guide Page 93 of 125

14.2 Alert Settings & Options There are many options available within the SMS Alerts functionality that are completely customisable by a user. These settings can also be modified or updated at any time and as many times as you like. Refer to the screen below for details of each of the settings available. Some of the key options are: Allowed Times - Any time of day or only between specified From & To times eg. 8am to 10pm Send SMS when a payroll credit is posted so you are alerted as soon as you receive the funds Send SMS when available balance falls below a specified limit. Individual limits can then be set for each account. Internet Banking Member User Guide Page 94 of 125

14.3 View SMS History You can view your SMS Alert History by selecting the option below. 1. Access via the SMS Alerts menu 2. Select View SMS History option 3. Enter Oldest & Newest date & Message Type Filter if applicable. Otherwise all history is displayed by default. 4. A listing of your SMS alerts will be displayed, including the following details: a) Message ID each message has a unique ID b) Date The date that the SMS was sent c) Time The time that the SMS was sent d) Mobile # number the SMS was sent to e) SMS text f) Sent used to identify if the message has been sent/pending etc g) Billed Identifies if the member has been billed for the SMS message by the Credit Union. Internet Banking Member User Guide Page 95 of 125

15. Security Settings 15.1 Register This option allows you to register for security tokens online. 1. Access via the Security Settings menu 2. Select Register option SMS At this stage you must phone us to register your mobile number for SMS one time passwords. VASCO 1. Select Register button in the Action column for Vasco Security Token Internet Banking Member User Guide Page 96 of 125

2. Using the drop down box, select the account to Debit Purchase Cost from (refer to fees and charges document for further information). 3. Delivery Address will be pre populated with the address on your membership 4. Enter any specific Delivery Instructions if applicable 5. Click Submit button 6. A confirmation page will be displayed 7. Click Continue 8. The Credit Union will then action your request. Internet Banking Member User Guide Page 97 of 125

15.2 View/Maintain At any time you are able to view the security options attached to your membership. This will show details of any Vasco or SMS Tokens you have registered and their different states. 1. Access via the Security Settings menu 2. Select View/Maintain option Information displayed will include: Token Name Cost (if applicable) Status and Token ID (either token number or mobile number Internet Banking Member User Guide Page 98 of 125

15.3 Session History The Internet Banking Session History function allows you to view detailed information regarding login & logouts & activity performed once logged in. This can be an aid in recognising fraudulent transactions. It includes information like: - BPAY, Internal, External and Quick Debit transactions Displays date, time, description, from account, to account, amount and receipt Insufficient funds attempts Invalid BPAY biller codes, BSBs CRN etc. 1. Access via the Security Settings menu 2. Select Session History option 3. Enter Oldest & Newest date & Transaction Filter if applicable. Otherwise all history is displayed by default. Internet Banking Member User Guide Page 99 of 125

16. Card Management 16.1 Card Activation This function allows users to activate Visacards and Redicards online. Once a card has been successfully activated, the card status will be updated to an OPEN status and will be available for use. 1. Access via the Card Management menu 2. Select Card Activation option Note: Initially this page is greyed out/locked down until a Second Factor Authentication (2FA) security option is selected. Refer to Section 5 Two Factor Authentication for further details 3. Select the Security Option from the drop down menu (fields will now become available a. SMS One Time Password b. Vasco Token c. TAPwd Crypto Internet Banking Member User Guide Page 100 of 125

4. Enter Card Number 5. Enter Expiry Date 6. Enter 2FA - Token Number, SMS Code or TA Password 7. Click Submit button 8. A confirmation page will be returned if card is activated successfully. Internet Banking Member User Guide Page 101 of 125

17. Maintenance 17.1 Change Contact Details 1. Access via the Maintenance menu 2. Select Change Contact Details option Note: Initially this page is greyed out/locked down until a Second Factor Authentication (2FA) security option is selected. Refer to Section 5 Two Factor Authentication for further details 3. Select the Security Option from the drop down menu (fields will now become available) a. SMS One Time Password b. Vasco Token c. TAPwd Crypto 4. Changes available in this area are: Internet Banking Member User Guide Page 102 of 125

a. Email Address b. Mobile Number c. Allow SMS Direct Marketing flag d. Email Confirmations flag 5. Make any required changes 6. Enter 2FA - Token Number, SMS Code or TA Password 7. Click Submit button Internet Banking Member User Guide Page 103 of 125

17.2 Personal Settings This function allows you to configure the way that account and transaction information is displayed within Internet Banking. Changes available are: Setting Transactions per Screen Transactions per Page Transactions Direction Preferred Account Preferred Screen Date Method Current Oldest Date Current Newest Date Include Closed Accounts Description The default number of transactions to display on each screen when viewing transactions. Range of 5 120. The default number of transactions to display on each page when printing transactions. Range of 10 300. Default display order of transactions; Newest first Oldest first Default account across multiple actions eg. Transfer From account pre populated Preferred screen at login; Balances Transactions (preferred account) Transactions displayed by default when an account selected; Current Month Last 30 days Last 60 days Last 90 days All available dates Nominated dates oldest to newest Last 180 days Last n transactions Can set a minimum oldest date for viewing Can set a maximum newest date or Today by default Flag to include or exclude closed accounts from display To make changes to these fields - 1. Access via the Maintenance menu 2. Select Personal Settings option 3. Change settings as required 4. Click Submit button Internet Banking Member User Guide Page 104 of 125

Internet Banking Member User Guide Page 105 of 125

17.3 Download Transactions The download transactions function allows you to download selected transaction types for a specified period in the following formats: - Quicken dd/mm/yy Quicken mm/dd/yy Quicken for MYOB/MS Money Comma Separated CSV CSV with running balance Open Financial exchange (OFX) Download transactions as follows - 1. Access via the Maintenance menu 2. Select Download Transactions option 3. Enter From Date 4. Enter To Date 5. Select Transaction Types from the drop down list 6. Select Account 7. Select required Format 8. Click Submit button 9. Your downloaded transactions should appear in a new window, if not, click the Download button Internet Banking Member User Guide Page 106 of 125

17.4 Change Tran Auth Password 1. Access via the Maintenance menu 2. Select Change Tran Auth Password option 3. Enter Old Password using the crypto keypad 4. Enter the New Password using the crypto keypad 5. Confirm the New Password using the crypto keypad 6. Click Submit button 7. Click Continue Note: TA Passwords are activated for members who are not registered for a Vasco or SMS Token. Internet Banking Member User Guide Page 107 of 125

17.5 Change Second Password This option is only available to those members that have dual signatory access setup for two to sign accounts outside of Business Banking. The second password used for example to authorise transactions at the same time & location can be changed using this menu option. 1. Access via the Maintenance menu 2. Select Change Second Password option 3. Enter Old Password using the crypto keypad 4. Enter the New Password using the crypto keypad 5. Confirm the New Password using the crypto keypad 6. Click Submit button 7. Click Continue Internet Banking Member User Guide Page 108 of 125

17.6 Personalise Accounts The Personalise Accounts function provides you with the ability to personalise the display of accounts within Internet Banking. Using the Personalise Accounts menu this allows you to: Nickname an Account Hide an Account Mask an Account When the Personalise Accounts menu is selected, a listing of your accounts is returned. This allows you to then edit each individual account with its own unique settings. 1. Access via the Maintenance menu 2. Select Personalise Accounts' option 3. Click on Edit button for the account you wish to personalise Internet Banking Member User Guide Page 109 of 125

17.6.1 Nickname Account You can change the display name of an account by loading a Nickname. 1. Access via the Maintenance menu 2. Select Personalise Accounts' option 3. Click on Edit button for the account you wish to personalise Internet Banking Member User Guide Page 110 of 125

4. Enter in the preferred name into the Custom Account Name free format text field eg. Bills 5. Click Submit button 6. A confirmation page will be displayed confirming update 7. The account name will now be displayed within Internet Banking with the Nickname text you entered rather than the standard account name. Account name display prior to update. Account name after update Updated account name in drop down lists eg. From Account Internet Banking Member User Guide Page 111 of 125

17.6.2 Hide Account Within Internet Banking if for any reason you don t wish an account to display you can hide it from view. This flag can also be modified at any time by reversing this process & unchecking the same flag. You can view the hide/unhide status of accounts at any time on the Personalise Accounts page, the Display Option column will either show Yes for viewable or Account Hidden. 1. Access via the Maintenance menu 2. Select Personalise Accounts' option 3. Click on Edit button for the account you wish to personalise 4. Check the Do not display this Account check box. 5. Click Submit button Internet Banking Member User Guide Page 112 of 125

Account display prior to hiding 25024 S2.3 Account display after hiding 25024 S2.3. Note the S2.3 now not displayed. Hidden S2.3 account removed from drop down lists. Internet Banking Member User Guide Page 113 of 125

17.6.3 Mask Account Internet Banking also allows the functionality of masking part of the account number. If you don t wish a full account number to be displayed you can mask it from view. This flag can also be modified at any time by reversing this process & unchecking the same flag. You can view the masking status of accounts at any time on the Personalise Accounts page, the Masking column will either show No for full display or Yes for masking & how the masked account will display. 1. Access via the Maintenance menu 2. Select Personalise Accounts' option 3. Click on Edit button for the account you wish to personalise 4. Check the Mask Account check box. 5. Click Submit button Internet Banking Member User Guide Page 114 of 125

Account display prior to account masking. Account display after account masking. Account masked in drop lists Internet Banking Member User Guide Page 115 of 125

17.7 Change Address 1. Access via the Maintenance menu 2. Select Change Address option Internet Banking Member User Guide Page 116 of 125

3. Make any required changes 4. Enter 2FA - Token Number, SMS Code or TA Password 5. Click Submit button 6. Click Continue Internet Banking Member User Guide Page 117 of 125

17.8 Change Login Password As part of a new registration, you will be issues a temporary login password. You will be prompted to change this at first login. The password can then also be changed at any time using this option. 1. Access via the Maintenance menu 2. Select Change Login Password option 3. Enter Old Password 4. Enter the New Password 5. Confirm the New Password 6. Click Submit button 7. Click Continue Internet Banking Member User Guide Page 118 of 125

18. Applications 18.1 Apply For a Loan 1. Access via the Applications menu 2. Select Apply for a Loan option 3. An online form will open in a new window 4. Complete the form as per instructions 5. A staff member will then be in contact with you once we receive the application Internet Banking Member User Guide Page 119 of 125

18.2 Apply For a Credit Card 1. Access via the Applications menu 2. Select Apply for a Credit Card option 3. An online form will open in a new window 4. Complete the form as per instructions 5. A staff member will then be in contact with you once we receive the application Internet Banking Member User Guide Page 120 of 125

18.3 Open a Savings Account Additional savings accounts can be opened online in just a few easy steps & you can transfer some opening funds in the same process. Note: Opening of joint accounts, and opening of accounts that have eligibility requirements cannot be performed online. The account open screen is very similar to the internal transfer screen, allowing you to select a from account for debiting the opening deposit. The to account drop list displays an available listing of account types that can be opened. An account nickname can also be entered at time of opening. 1. Access via the Applications menu 2. Select Open a Savings Account option 3. Select the account to transfer From for opening balance funds, using the From Account drop down box 4. Select the account to transfer To using the To Account drop down box. This will display a list of available account types to open. 5. Enter the amount you wish to transfer, in the Amount field 6. Enter a Reference for the transfer 7. Enter a Nickname for the account if applicable 8. Click Submit button Internet Banking Member User Guide Page 121 of 125

9. A confirmation page will be displayed 10. Verify details & if correct click Confirm, if not click Cancel 11. A receipt page will then be displayed confirming savings account opened. You can then either: a. Print To print transaction receipt b. Continue to return to the Accounts & Balances page Note: The new account will now be available on the Accounts & Balances page. Internet Banking Member User Guide Page 122 of 125

19. Help 19.1 Contact Us This menu option is a link to the Contact Us page of our website. It will provide our primary contact details and a fill in form to submit to us requesting contact. Once the form is received we will contact you. Internet Banking Member User Guide Page 123 of 125

19.2 User Guide Standard This option provides a link to a comprehensive user guide for Internet Banking. This document is available on our website and from within Internet Banking. Via the; 1. Help menu 2. Select User Guide Standard option 19.3 User Guide Business Banking This option provides a link to a comprehensive user guide for Business Banking. This document is available on our website and from within Internet Banking. Via the; 1. Help menu 2. Select User Guide Business Banking option Internet Banking Member User Guide Page 124 of 125

20. Going on Holidays? This option allows you to easily alert us of any upcoming travel plans. We then forward this information to our 24/7 fraud monitoring service. This assists them in making better decisions about blocking potential fraudulent transactions on your account/card. Knowing where a customer is travelling to on their holidays provides great assistance to the fraud monitoring team when trying to distinguish between genuine and fraudulent transactions. 1. Access via the Going on Holidays menu 2. An online form will open in a new window 3. Complete the details as requested 4. Click Submit button Internet Banking Member User Guide Page 125 of 125