SANTANDER TREASURY LINK TRANSITION GUIDE

Introduction Introducing Santander Treasury Link for Online Banking A new experience ahead We are pleased to introduce you to Santander Treasury Link and look forward to providing you with an Online Banking service with Treasury Management capabilities that allows you to move, manage, and monitor your cash and treasury activities. You can view your account information and activity, receive online statements, initiate payments, get alerts, and much more to streamline the operation of your business. What s inside This Guide contains a series of chapters that detail important information on the treasury management services available with Santander Treasury Link. Each chapter includes: Actions you need to take to use your new treasury management services before and after your transition from IRIS to Santander Treasury Link What is new Whom to call if you have questions What s next Please review this booklet, particularly the chapters that are relevant to the services your company uses, so that you know what to expect when your services transition to Santander Treasury Link. Share this information with others in your organization so they are prepared as well. If you have questions about the treasury management services that will be available to you, please call your relationship representative or use the contact numbers/resources provided in this booklet. Welcome again, and we look forward to continuing to serve your banking needs through our powerful suite of treasury management solutions. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. 2017 Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame Logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States and other countries. All other trademarks are the property of their respective owners. 2017 Santander Bank, N.A. All rights reserved. Page 2

Contents Contents Introducing Santander Treasury Link for Online Banking... 2 Welcome... 4 Treasury Dashboard New!... 5 Administration... 6 Information Reporting (Accounts)... 8 Account management and reporting functions... 9 Payments... 14 ACH payments... 16 Wire payments... 17 Transfers... 20 Fraud Control... 22 Check Services... 24 File Services... 26 Tools... 27

Welcome Welcome Welcome to Santander Treasury Link, Santander s integrated solution that will provide you with an intuitive, interactive and customizable experience for all of your cash management needs. Santander Treasury Link will become your central portal for managing your company s access to: Treasury Dashboard (new) Obtain a customizable, quick view of your accounts as well as shortcuts to common tasks. Administration Manage all aspects of Santander Treasury Link access for your company s users including entitlements to accounts, system features, and functionality. Accounts View previous and current day balance and transaction reporting, retrieve account statements. Payments Perform ACH and wire transfers. Transfers Initiate single and bulk transfers between your Santander accounts. Fraud Control Authorize decisions for suspect items on check positive pay accounts and manual issue maintenance. Check Services Submit stop payments and view images of paid, deposited, and returned deposited items. File Services Upload files of check issues for positive pay. Tools (new) Establish account alerts and reminders, create a list of preferred banks commonly used in your daily business transactions. All features and functions of Santander Treasury Link are available through the menu tabs below the logo banner on every page. Figure 1: Santander Treasury Link menu tabs ACTION REQUIRED: Critical actions are required to ensure your company is ready for business on your transition date. The checklist of keys things to know includes details the actions your company is required to take. If you are not the correct company administrator, call us at the Santander Treasury Link Support Center at 1-844-726-0095 or email us at TL_Support@Santander.us. You may also contact our Business Customer Contact Center at 1-877-768-1145. 2017 Santander Bank, N.A. All rights reserved. Page 4

Treasury Dashboard Treasury Dashboard New! What is it? The Treasury Dashboard is your designated initial landing page after you have successfully logged into Santander Treasury Link. It provides you with a quick view of your accounts as well as shortcuts to common tasks through the presentation of widgets. Key things to know Your Treasury Dashboard is assigned a default view for your company. You can customize your Treasury Dashboard in a variety of ways to fit your particular needs. Your company s users can each establish their own customizations for the Treasury Dashboard that are unique to them so that others cannot view it. For information reporting customers, each time you log in to Santander Treasury Link, your Treasury Dashboard will automatically refresh the balances displayed for your entitled accounts. Key things to do You may wish to add, remove, customize or reposition various widgets presented with your Treasury Dashboard. The Account Balances widget (information reporting customers only), however, is not eligible for repositioning. Figure 2 below illustrates a custom widget arrangement. Figure 2: Dashboard widgets 2017 Santander Bank, N.A. All rights reserved. Page 5

Administration Administration What is it? Administration is the central Santander Treasury Link module where your company administrator creates and manages company users by controlling entitlements to accounts and all the system s features and functionality. Organizations have the option to configure multiple company administrators. In this case, activities performed by one administrator require approval by a second administrator before any changes take effect. Key things to know Figure 3: Administration menu All of your company s user entitlements will be converted based on your existing IRIS entitlements/permissions. Initially, Santander will continue to manage ACH and Wire entitlements on behalf of your company. In a future release, client administrators will be given the ability to manage their own company ACH and Wire entitlements. Key things to do A client administrator can designate additional client administrators within their company as necessary. To contrast the entitlements section in IRIS vs. Santander Treasury Link, see Figure 4 below. 2017 Santander Bank, N.A. All rights reserved. Page 6

Information Reporting (Accounts) Information Reporting (Accounts) What is it? The Accounts module is Santander Treasury Link s access to comprehensive account balance and transaction reporting. The Accounts module and its underlying capabilities will provide you extensive choices for viewing and printing reports, downloading report content and exporting data in a variety of formats, viewing account statements, and performing transaction searches. Key things to know Your existing IRIS Reporting feature is now the Accounts module in Santander Treasury Link (Figure 5). Figure 5: Account management and reporting features On transition day, you will have access to up to 90 days of prior day balance and transaction information and 7 days of current day balance and transaction information. Your account balances and details are updated every time you log in to Santander Treasury Link. The Refresh Data link below the tab menu on many pages provides your latest account updates at any time during your session. 2017 Santander Bank, N.A. All rights reserved. Page 8

Information Reporting (Accounts) Figure 6: Refresh Data link Account management and reporting functions Account Activity This view displays transaction activity for a selected account. Information is displayed in either one or two tabular lists, depending on configuration: In Process and Cleared Transactions and Scheduled Transactions. Prior Day This view provides detailed information on account balance and transaction activity that has been processed by the bank. Current Day This view displays today s balances for accounts with current day data loaded. If no balances were loaded today, the page displays No Data Found. Cash Position (new) The cash position worksheet provides the ability to view historic financial data online and allows you to view historical trending and perform some basic forecasting. Export Profiles This function allows you to set up and manage profiles for exporting data from Santander Treasury Link. The following export formats are supported for information reporting: BAI II Comma separated QuickBooks Semicolon separated SWIFT Tab separated Export History This page provides a record of all account exports that were performed for a selected date or date range. Statements (new) On this page, you can view your account statements in PDF format. Transaction Search This function allows you to search for a specific transaction or group of transactions within an account or accounts. Several criteria can be used to search for a transaction. Account Reports These reports have balances and transaction data that may be based on BAI, SWIFT, or a bank s own data format, depending on how the account information was loaded and mapped in the database. Account reports can be viewed and customized. Special Reports This is an optional service that provides Electronic Data Interchange (EDI) reports 2017 Santander Bank, N.A. All rights reserved. Page 9

Information Reporting (Accounts) defined by Santander that you can download and view. Special reports cannot be customized. Account reports The Account Reports page has two tabs: Standard and Custom. Standard reports are provided by Santander and cannot be edited or deleted. However, you can use a standard report as a basis for creating a custom report. Custom reports can then be edited and deleted. Standard reports provide information for either the current day or the prior business day. A custom report, however, can include information for more than one day. 2017 Santander Bank, N.A. All rights reserved. Page 10

Information Reporting (Accounts) Account activity Figure 7: Standard Reports list on the Account Reports page In contrast to IRIS (Figure 8), loan account information is accessible through the Account Balances widget in the Treasury Dashboard (Figure 9), the Account Activity page (Figure 10), and Prior Day page (Figure 11). 2017 Santander Bank, N.A. All rights reserved. Page 11

Information Reporting (Accounts) Figure 8: Loan account report in IRIS Figure 9: Santander Treasury Link Account Balances widget By selecting from the Action dropdown menu for the account in the Account Balances widget (Figure 9), you can view the Account Activity (Figure 10) and Prior Day (Figure 11) pages. Figure 10: Account Activity page 2017 Santander Bank, N.A. All rights reserved. Page 12

Payments Payments What is it? In Santander Treasury Link, the Payment Center provides a central location for you to manage all aspects of your wire and ACH payments. Figure 12: Opening the Payment Center Figure 13: Santander Treasury Link Payment Center 2017 Santander Bank, N.A. All rights reserved. Page 14

Payments Below you will find brief descriptions of the various sections of the Payment Center and what each section provides. Manage Template Center enables you to manage ACH and wire payment templates, which you can use to create new payments with greater ease and efficiency. Templates were known as Databases in IRIS. Template Groups logically relate two or more wire transfer templates that are normally paid with the same timing to enable users to implement complex payment processes with greater efficiency. Master Recipient List is a new feature where you can create and modify ACH and wire transfer recipients that can be easily accessed when making payments. Payment Tools Import Profiles allows you to set up and manage profiles for importing files from outside sources. Santander Treasury Link supports both standard and user-defined formats for ACH & Wire Payments: ACH NACHA ACH User-Defined ACH Recipients ACH Templates Wire Standard Wire User-Defined Import History page displays information about imported files, including the status of files that are processing. Export Profiles page displays all existing export profiles and enables you to view and manage profiles. Create Master Recipients Recipients allows you to define the details of a new recipient so that you can use the recipient for future payments. Reports Payment Reports provides a comprehensive list of reports related to payment activity, which you can view, customize, and print. There are several standard ACH and wire payment reports, each of which can be customized and saved as a favorite. 2017 Santander Bank, N.A. All rights reserved. Page 15

Payments Create ACH/Wire Payments and Templates These tools allow you to create new ACH and wire payments and perform various actions on payments. Approving payments The concept of RELEASING an ACH or wire payment transaction in IRIS has been replaced by APPROVE in Santander Treasury Link. New RSA tokens will replace your existing IRIS Vasco Token which will be provided prior to your conversion. ACH payments Key things to know For ACH management, features that were under ACH Payments in IRIS are now accessed via the Santander Treasury Link Manage payments, Create ACH Payments, and Create ACH Templates menus. Figure 14: ACH Payments mapping from IRIS to Santander Treasury Link In Santander Treasury Link, recurring ACH payments need to be approved only once and all future batches will be released. ACH processing For your transition to Santander Treasury Link, all of your existing ACH databases will be converted and available for you at transition date. Databases in IRIS are known as templates in Santander Treasury Link. 2017 Santander Bank, N.A. All rights reserved. Page 16

Payments Santander Treasury Link will warehouse ACH batches approved in the future. Credit ACH batches will be transmitted to the bank 2 days prior to the effective day, and debit ACH batches will be transmitted to the bank 1 day prior to the effective day. If a batch is not approved before 7:00 PM ET, processing of the batch will default to the next available business day. Recipient ID and Company Entry Description are required fields in Santander Treasury Link. The Recipient ID is associated with the recipient. For Company Entry Description, the NACHA rules state: The Originator establishes the value of this field to provide the Receiver with a description of the purpose of the Entry. If you are currently using ACH Validator in IRIS, you will need to use the Import Profiles feature in Santander Treasury Link (see User Guide). Key things to do Verify your Santander Treasury Link ACH templates that were converted from your IRIS databases. If you are currently using an ACH import profile in IRIS, you will need to create and test an import profile in Santander Treasury Link. In Santander Treasury Link, reestablish recurrence on any recurring ACH transactions you had in IRIS. Wire payments Key things to know For wire payment management, features that were under Wire Transfers in IRIS are now accessed via the Santander Treasury Link Manage payments and Create Wire Payments menus. Wire Templates and Payment Tools, formerly accessed via Setup in IRIS, are now accessed via the Santander Treasury Link Create Wire Templates menu. 2017 Santander Bank, N.A. All rights reserved. Page 17

Payments Wire processing Figure 15: Wire Payments mapping from IRIS to Santander Treasury Link After selecting a wire payment type from either the main Payments menu or the Payment Center, Santander Treasury Link displays the Create Wire Payments or Create Wire Template page. It is here that you will enter the details for a new wire payment or template. While the payment details vary depending on the payment type, the transaction flow is consistent. Santander Treasury Link supports: Book Wire An internal wire payment between two accounts belonging to Santander routed through Santander s own wire system rather than being released to the Federal Reserve. Drawdown (new) A request to have one of your accounts at another financial institution debited with the resulting proceeds to be sent to your designated account at Santander Bank. International Wire An international wire payment (USD or foreign currency) Repetitive and Semi-Repetitive Foreign Currency. US Wire A domestic payment made in U.S. dollars, repetitive or non-repetitive, as well an International USD wire. US Federal Tax A tax payment via wire transfer. The Wire transfer cutoff time for each business day will remain the same, with the exception of Federal Tax Payment, which is 4:00 PM ET. Domestic and International USD wire transfers submitted after 5:30 PM ET will process on the next business day. International Foreign Currency and new Federal Tax wire transfers submitted after 4:00 PM ET will be processed on the next business day. 2017 Santander Bank, N.A. All rights reserved. Page 18

Payments The concept of RELEASING a transaction in IRIS has been replaced by APPROVE in Santander Treasury Link. Key things to do Verify your Santander Treasury Link wire transfer templates that were converted from your IRIS databases. If you are currently using Wire Import in IRIS, you will need to create and test an import profile in Santander Treasury Link. 2017 Santander Bank, N.A. All rights reserved. Page 19

Transfers Transfers What is it? The Transfers menu in Santander Treasury Link provides access to pages where you can view transfers and perform transfer activity (Figure 16). Figure 16: Santander Treasury Link Transfers menu Three tabs on the Transfer Center page can show all transfers or transfers in various states, such as pending, pending modify approval, or deleted. Figure 17: Tabs on the Transfer Center page 2017 Santander Bank, N.A. All rights reserved. Page 20

Transfers Manage The Transfer Template Center is the area where you can view all your transfer templates and also perform transfers based on a template previously approved. Create Transfers You can create a single transfer, from one account to another account. Transfers can be created as one-time transfers or recurring transfers. One to Many and Many to One (new): This feature allows you to designate multi-account settlement, or bulk transfers, where you can debit one account and credit multiple offset accounts or debit multiple accounts and credit a single offset account. Transfer Tools Import Profiles displays existing import profiles, and enables you to view and manage profiles. Import History displays information about imported files, including the status of files that are processing. Create Templates This allows you to create transfers one at a time or create templates for bulk, repetitive transfers. Templates facilitate workflow by enabling repetitive transfers to be made with minimal data entry. Reports This enables you to generate reports based on transfer activity. The feature includes options to view standard and custom reports and to create custom reports based on standard reports. Key things to know The Transfer Center provides a central location for you to manage all aspects of your account transfer activity. Santander Treasury Link provides the ability to perform bulk or multi transfers (many to one and one to many). Key things to do All the functionality you need for transfer management is built into Santander Treasury Link no setup required. 2017 Santander Bank, N.A. All rights reserved. Page 21

Fraud Control Fraud Control What is it? The following functionality is provided through Santander Treasury Link Fraud Control: Positive Pay This feature supports positive pay and reverse positive pay exception item management. Issue Maintenance This feature gives you the ability to manually add an issue and void instructions. Key things to know Figure 18: Santander Treasury Link Fraud Control menu Standard Positive Pay The system declares an item as suspect when a comparison between the presented records and your issue data indicates the item may be suspect. Reverse Positive Pay Reverse Positive Pay enables your company to actively manage your previous day s paid check items and actions to return. Reports You can view, customize, and print reports related to Fraud Control features. Santander Treasury Link provides the following standard reports: Positive Pay Items Reverse Positive Pay Items Manual Issue and Void Instructions Views The Manage Positive Pay page (Figure 19) shows a summary view of Positive Pay items by Account. In addition to seeing summary activity, you may also view Paid Items and Suspect Items. 2017 Santander Bank, N.A. All rights reserved. Page 22

Fraud Control Key things to do Figure 19: Ability to view paid and suspect Positive Pay items All IRIS Positive Pay Items must be decisioned by 2:00 PM ET the Friday before your scheduled conversion to Santander Treasury Link. 2017 Santander Bank, N.A. All rights reserved. Page 23

Check Services Check Services What is it? Figure 20: Santander Treasury Link Check Services menu Santander Treasury Link Check Services provides the following capabilities: Manage This menu includes a list page for managing stop payments. Create This menu includes options for creating single and multiple stop payments. Cancel This menu includes options for canceling single and multiple stop payments. Research Tools This menu includes the following search functions with image retrieval: Check Inquiry Use this option to search for checks based on their check number, amount, or status. Image Search Use this option to search for credit, debit, individual deposit, and returned items. Image Activity Use this option to access all images retrieved by a user on a specified day. Reports This menu includes reports related to check services. Several standard reports are provided, which you can customize. 2017 Santander Bank, N.A. All rights reserved. Page 24

Check Services Key things to know Create Stop Payment can be used to request a stop payment on a single check or a sequential range of checks, such as checks 100 to 103. The page includes information that identifies the check to ensure the correct check is stopped. The Create Multiple Stop Payments page enables you to request stop payment on the following: Multiple, non-sequential checks, such as 100, 103, and 108 Multiple ranges of sequential checks, such as 100 to 103 and 120 to 130 The Cancel Stop Payment function allows you to cancel a stop payment that was previously placed on a check or range of checks. Similar to creating stop payment requests, you can cancel stop payment requests one check at a time, a check range at a time, or multiple checks or check ranges at a time. The Cancel Single Stop Payment page cancels a stop payment request on a single check or a sequential check number range, such as checks 100 to 103. The Cancel Multiple Stop Payments page enables you to cancel multiple stop payments that were previously placed on checks or ranges of checks. Key things to do Figure 21: Manage Stop Payments page There is nothing to do related to the conversion to Santander Treasury Link. All of your check and image history will be migrated and available in Santander Treasury Link. 2017 Santander Bank, N.A. All rights reserved. Page 25

File Services File Services What is it? Figure 22: Santander Treasury Link File Services menu The File Services module provides services for the exchange of files between you and Santander. Key things to know This feature enables you to upload Positive Pay issue files from a local or network drive and transmit them to Santander. Issue files can be either standard issue or user-defined issue files. Standard File Uploads This menu includes managing and creating file uploads and profiles. Reports Reports provide you with details on issue file uploads. Key things to do Figure 23: Manage File Uploads page Create an import file profile in the standard upload file format defined by Santander Treasury Link or create a user-defined upload profile that will allow you to use your current issue file format. 2017 Santander Bank, N.A. All rights reserved. Page 26

Tools Tools What is it? Figure 24: Santander Treasury Link Tools menu The Tools and Messaging Reference Guide includes information about these features: Alert Settings Describes how to create and edit alerts and when and how to deliver alerts. Messages Describes the Inbox s secure messaging functionality, which allows you to send and receive secure messages From Santander Client Support. Standard Banks Describes bank types and how to administer your company s list of banks. Set Describes changing your password, and how you can set up an alternate startup screen. Key things to know Security Alerts (designated with a lock icon ) are mandatory and will be received by all administrators when entitlement and template changes are made. Santander Treasury Link has 13 standard alerts that you can configure to notify you of important activity or events occur. Alerts will appear in the Santander Treasury Link inbox but can also be configured to be sent to your email address(es). Messages provides the ability to send and receive important messages to/from Santander Customer Support. Key things to do Alerts must be set up by you to work. Select alerts from the standard list (Figure 25) and configure to assist your daily monitoring of system activity. Review your Inbox often for important messages from Santander Client Support. 2017 Santander Bank, N.A. All rights reserved. Page 27

Tools Figure 25: Manage Alert Settings page Figure 26: Inbox ACTION REQUIRED: Critical actions are required to ensure your company is ready for business on your transition date. The checklist of keys things to know includes details the actions your company is required to take. If you are not the correct company administrator, call us at the Santander Treasury Link Support Center at 1-844-726-0095 or email us at TL_Support@Santander.us. You may also contact our Business Customer Contact Center at 1-877-768-1145. 22602 09/2017 2017 Santander Bank, N.A. All rights reserved. Page 28