Single Sign On Customer Administrator User Guide

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2 Table of Contents 1 INTRODUCTION FUNCTIONS OF A SYSTEM ADMINISTRATOR (SA) WHICH IS ALSO KNOWN AS CUSTOMER ADMINISTRATOR SETUP OF SYSTEM ADMINISTRATOR Single Control Administration Dual Control Administration Bank Administrator (BA) PROFILE SETUP Profile Creation Users Multi-factor Authentication Login For Users LOGGING ON AS A SYSTEM ADMINISTRATOR THE SYSTEM ADMINISTRATOR HOME PAGE CREATING PROFILES AND USERS FOR THE FIRST TIME CREATING NEW PROFILE CREATING NEW USER CREATING DAILY PAYMENT LIMIT FOR APPROVERS MODIFYING PROFILES AND USERS MANAGE PROFILES MANAGE USERS ADD / REMOVE USER PROFILES DEACTIVATE / ACTIVATE / RESET USER / DELETE R EPORTS USER AUDIT REPORT USER PROFILE ACCESS REPORT LOGIN STATUS REPORT PAYMENT TXN AUDIT REPORT ADMINISTRATION AUDIT REPORT AUTHORISATION MATRIX REPORT TEMPLATE AUDIT REPORT VIEW INFO MANAGER ACCESS PROFILES INFO MANAGER ATTRIBUTE ACCESS REPORT PAYMENT FUNCTIONS / AUTO SEND FEATURE FREQUENTLY ASKED QUESTIONS RIDER TO STRAIGHT2BANK CUSTOMER ADMINISTRATION USER GUIDE Version Jun 2013 Page 2 of 44

3 1 INTRODUCTION Customer self-administration is a new feature of Straight2Bank, which allows you to take control of the services and products to which you have subscribed. This additional flexibility allows you to swiftly set-up new reporting and transactional users for immediate access. When you subscribed to Straight2Bank, you are required to provide and assign your own System Administrator (SA). 1.1 Functions of a System Administrator (SA) which is also known as Customer Administrator The SA which is also known Customer Administrator will be able to take control of the day to day operational tasks such as : Creation Create new User Create new Profiles* Modification Modify User Modify Profiles* Others Reset Password Deactivate User Activate User Setup Daily Payment Limit *This would be the access rights of the user on the types of function they can perform + the accounts they can access. 1.2 Setup of System Administrator System Administrator (SA) can be setup by the Bank for single control or dual control Single Control Administration System Administrator appointed will be able to perform the functions of SA singly without any authorisation from another SA. A company may appoint as many SA as appropriate Dual Control Administration Dual System Administrator appointed will need to perform the functions of SA on a checker / maker role. First SA will create and the second SA needs to approve the tasks before the whole SA process is completed. It does not restrict as to which SA needs to perform the tasks first. A company may appoint as many SA as appropriate. Every tasks will require dual control effort Bank Administrator (BA) The following are the tasks in which the company still needs to submit to the Bank for processing. Adding of new accounts Deleting of accounts Adding of new approvers* Deleting of approvers* Modification of signing matrix limits* * only applicable for Transaction Initiation customers Version Jun 2013 Page 3 of 44

4 1.3 Profile Setup Before a Customer User is able to login to the Straight2Bank, the System Administrator needs to perform the setup of the following information: Profile Creation This would be the access rights of the user on the types of function they can perform + the accounts they can access. There are three functions :- 1) Inquiry for viewing of reports. 2) Operator creation of transactions 3) Authoriser approving the transactions created. Accounts will be tagged to these functions accordingly Users After the profiles have been created, at least one profile must be linked to your Customer User in order to use Straight2Bank. This user list will be setup by the System Administrator. A User ID may be assigned to 1 or more profiles Multi-factor Authentication Login For Users For Straight2Bank Users who domicile in SG/US that require multi-factor authentication at login as per regulatory requirement. This group of users will be required to login to Straight2Bank using Vasco Token. For Straight2Bank Users who domicile in countries other then SG/US, this group of users will be given the options to login to Straight2Bank using - Password or - Vasco Token. Version Jun 2013 Page 4 of 44

5 2 LOGGING ON AS A SYSTEM ADMINISTRATOR In order to subscribe for this service, you will need to communicate the information of the employee you wish to designate as your administrator to your LOCAL Solution Delivery. Once the System Administrator's information has been setup, you will be sent an administrator logon ID and password. (Note: For Straight2Bank Customers under Two Factor Authentication Login, all users - operators, approvers and administrators - are setup to login to Straight2Bank Web using a Vasco token instead of password.) In your browser, select Enter Group ID Enter User ID Login using Password OR Token. Version Jun 2013 Page 5 of 44

6 2.1 The System Administrator Home Page Upon successful login:- Click Adminstration This will bring you to the Administration Home Page. Client Administration Task Bar This will the Client Admin related tasks, so that the admin users can jump to the tasks easily by clicking in the tasks itself. Authorisation Dash Board (For Dual Control Admin Setup) Will show high level summary related to the application (dash board) which helps customer administrator to take action on certain items. Version Jun 2013 Page 6 of 44

7 3 CREATING PROFILES AND USERS FOR THE FIRST TIME 3.1 CREATING NEW PROFILE Click Create New Profile. Enter Profile ID. Enter Profile Name. Select the Role from the drop down list. Version Jun 2013 Page 7 of 44

8 Select Product from the drop down list. Select Service from the drop down list. Version Jun 2013 Page 8 of 44

9 Select the applicable Functions from Available Functions box and placed them in Selected Functions by using. Click Link. Select Data Types from the drop down list. Click on the check box for data type to be tagged to the functions. Click Save Version Jun 2013 Page 9 of 44

10 Click Add to Profile. Click Save. Version Jun 2013 Page 10 of 44

11 The status will be changed to Authorised (For Single Admin Control Setup). Note : Perform the same profile creation steps for the other roles. Version Jun 2013 Page 11 of 44

12 The status will be changed to Pending Approval (For Dual Control Admin Setup). Request for the 2 nd Administrator to login. Click Administration Click of the Created Count under the dash board for Profiles Pending Authorisation Check against the Profile ID Click Authorise. Note: The new Profile must be authorised before it can be assigned to the user. Version Jun 2013 Page 12 of 44

13 3.3 CREATING NEW USER Click Administration Click Create New User Enter the fields in the red box. Check against the profile to be tagged to the user. Click Save. Version Jun 2013 Page 13 of 44

14 Enter the password (For Single Admin Control Setup). Click Submit. The User ID status will be changed to Authorised. Version Jun 2013 Page 14 of 44

15 The User ID status will be changed to Pending Approval after clicking Save. (For Dual Admin Control Setup). Request for the 2 nd Administrator to login. Click Administration Click of the Created Count under the dash board for Users Pending Authorisation Check against the User ID Click Authorise. Note : Password generated by the Bank will be sent to the user address. Version Jun 2013 Page 15 of 44

16 3.4 CREATING DAILY PAYMENT LIMIT FOR APPROVERS In Straight2Bank Web, each payment authorizer is assigned a limit on payment value to authorize a payment transaction, and with in this limit the authorizer can authorize any number of payments. The daily limit can be set at either at User level or at User + Account level. Note: A user can have a limit set up only at one level either at User level or User + Account level Not both. For User level, the daily payment Authorization limit will be setup on A pre-defined amount for the user and In Group Base Currency The User will be able to approve a payment only if the transaction amount is within his available limit for that DAY. The daily limit will be calculated based on the value date of the transaction and not based on the transaction date. For User+ Account level, the daily payment Authorization limit will be setup on Each Payment Account in the Group and In Group Base Currency The User will be able to approve a payment only if the transaction amount is within his available limit for the payment account for that DAY. The daily limit will be calculated based on the value date of the transaction and not based on the transaction date. Click Administration Click Setup Daily Payment Limits Version Jun 2013 Page 16 of 44

17 Click to select the User ID of your choice Click on or When Click on Specify the daily Total Limit Click Save The status will be changed to authorized (For Single Admin Control Setup). The status will be changed to Pending Approval (For Dual Admin Control Setup). Version Jun 2013 Page 17 of 44

18 When click on Specify the daily Account Limit Click Save The status will be changed to authorized (For Single Admin Control Setup). The status will be changed to Pending Approval (For Dual Admin Control Setup). Version Jun 2013 Page 18 of 44

19 4 MODIFYING PROFILES AND USERS This next set of screens are used for maintaining, viewing and / or approving existing Profiles and Users created. 4.1 MANAGE PROFILES An appropriate message will be generated to all existing Straight2Bank users' message centers who are affected by any amendments in this screen. Manage profiles allow administrator to modify the access rights created in the profile that was assigned to the user. Click Administration Click Manage Profiles Version Jun 2013 Page 19 of 44

20 To search for an existing Profile Populate the fields applicable in the red box. Click Search. Check against the Profile ID Click Edit. Proceed to make changes to the fields required as pointed out in the red arrows where functions + data can be added or removed. Click Save once modification is completed. Version Jun 2013 Page 20 of 44

21 The status will be changed to authorized (For Single Admin Control Setup). The status will be changed to Pending Approval (For Dual Admin Control Setup). Version Jun 2013 Page 21 of 44

22 4.2 MANAGE USERs Manage Users s allow administrator to perform the actions below. Add / remove profiles Deactivate Activate Reset User Copy Steps Click Administration Click Manage Profiles Version Jun 2013 Page 22 of 44

23 4.2 Add / Remove User Profiles Steps Performed User Search Check against User Id. Click Edit Version Jun 2013 Page 23 of 44

24 Check against the profiles to be added / Uncheck the profiles to be removed. Click Save. The status will be changed to authorized (For Single Admin Control Setup). The status will be changed to Pending Approval (For Dual Admin Control Setup). Version Jun 2013 Page 24 of 44

25 4.3 Deactivate / Activate / Reset User / Delete Deactivate Deactivation of user means temporary / suspending the user from the group Check against the user id for deletion. Click Deactivate Note :- If Dual Admin Control is setup, this function needs to be released by the 2 nd Administrator. Version Jun 2013 Page 25 of 44

26 Activate Activate User will work for the user whose status is Suspended. Check against the user id for activation. Click Activate Note :- If Dual Admin Control is setup, this function needs to be released by the 2 nd Administrator. Version Jun 2013 Page 26 of 44

27 Reset (For Password Login) Reset User will allow the password of the use to be reset. Check against the user id for reset activation. Click Reset User Note :- If Dual Admin Control is setup, this function needs to be released by the 2 nd Administrator. Version Jun 2013 Page 27 of 44

28 Delete Delete will delete the entire User record. Check against the user id for deletion Click Delete Note :- If Dual Admin Control is setup, this function needs to be released by the 2 nd Administrator. Version Jun 2013 Page 28 of 44

29 5 REPORTS Activities / User Records on Straight2Bank is tracked via reports in the Administration module. Version Jun 2013 Page 29 of 44

30 5.1 User Audit Report Click User Audit Report Specify the criteria for the report generation. Click Run Report Version Jun 2013 Page 30 of 44

31 5.2 User Profile Access Report Click User Profile Access Report Specify the criteria for the report generation. Click Run Report Click Print. Version Jun 2013 Page 31 of 44

32 5.3 Login Status Report Click User Profile Access Report Specify the criteria for the report generation. Click Run Report Save as PDF or CSV / Click Print. Version Jun 2013 Page 32 of 44

33 5.4 Payment Txn Audit Report Click Payment Txn Audit Report Specify the criteria for the report generation. Click Run Report Save as PDF or CSV / Click Print. Version Jun 2013 Page 33 of 44

34 5.5 Administration Audit Report Click Administration Audit Report Specify the criteria for the report generation. Click Run Report Click Print Version Jun 2013 Page 34 of 44

35 5.6 Authorisation Matrix Report Click Authorisation Martix Report Specify the criteria for the report generation. Click Run Report Click Print. Version Jun 2013 Page 35 of 44

36 5.7 Template Audit Report This report shows audit trail of changes on payment templates by each user Click Template Audit Report Specify the criteria for the report generation. Click Run Report Version Jun 2013 Page 36 of 44

37 5.8 View Info Manager Access Profiles This report shows list of Default Attribute Access Profiles that will be assigned to users by Bank Admin. Note : Customer Admin user will only have view access to the Attribute Access Profiles Click on View Info Manager Attribute Access Profiles You can specify the search criteria for the Attribute Access Profile. Click Search. OR Click on the Attribute Access Profile ID to view the details Version Jun 2013 Page 37 of 44

38 5.9 Info Manager Attribute Access Report This report shows details about the users Attribute Access profiles. Click Info Manager Attribute Access Report You can specify the User ID(s) - User Name(s) to generate the users Attribute Access profiles details. Click Run Report. Version Jun 2013 Page 38 of 44

39 6 PAYMENT FUNCTIONS / AUTO SEND FEATURE After Batch Payment Transactions has been is fully authorized, Straight2Bank allows Send to Bank function to be performed by a user who is entitled to perform this OR Auto Send function to take place automatically after the Batch Payment Transactions has been fully authorized. Steps Click Administration Click Payment Functions Check against the Auto Send to enable or disable this feature. Click Save Note : Concept of Single Control / Dual Control Admin is not applicable for this feature. Version Jun 2013 Page 39 of 44

40 7. FREQUENTLY ASKED QUESTIONS 7.1 WHAT IS THE WEBSITE ADDRESS TO LOGON TO STRAIGHT2BANK? The website URL address is at WHAT IS THE MINIMUM REQUIREMENT TO BE ABLE TO ACCESS THE WEB PAGE? You need to have a minimum Internet Explorer version 7 and a cipher strength of 128 bit. You can check this by clicking on Help at the Task Bar and select About Internet Explorer. 7.3 WHAT IS REQUIRED TO BE ABLE TO LOGIN TO PERFORM SYSTEM ADMINISTRATOR TASKS? The System Administrator will be assigned a Group ID, User ID and password (via ) to access Straight2Bank. 7.4 CAN THE SYSTEM ADMINISTRATOR ROLE BE A SINGLE OR DUAL CONTROL? The assigned System Administrator tasks can be based on Single Control or Dual Control. Single control means that the tasks of System Administrator can be performed singly without having another System Administrator to approve before the task is completed. Dual control means that the tasks need to be created or modified by the first System Administrator and the second System Administrator needs to approve before the task is completed. All the System Administrators share equal rights in Straight2Bank. 7.5 HOW MANY SYSTEM ADMINSTRATORS CAN A COMPANY ASSIGN? There is no limit to the number of System Administrator a company can assign. The System Administrator need to be authorised and be setup at the Bank and assigned with a User ID and Password. However, for control purposes, a company is recommended to have a main System Administrator and a backup System Administrator. 7.6 WHAT IS THE ROLE OF THE SYSTEM ADMINISTRATOR? The role of System Administrator is to administer the day to day operations tasks such as creating new users, assign profiles to the users. Others tasks such as activating, deactivating or deleting users. Most frequently the System Administrator will be resetting password for the users. 7.7 WHAT TO DO IF THE SYSTEM ADMINISTRATOR NEEDS TO BE CHANGED? The company needs to submit using the Administrator User Maintenance form to request the change of the System Administrator. 8.8 CAN THE SYSTEM ADMINISTRATOR ASSIGN ITS OWN USER ID? The System Administrator User Id is being assigned by the Bank in the following manner: XXXXSA1, XXXXSA2, XXXXDA1 and XXXXDA2. The first 4 characters denote the company name in short. SA denotes this is a single control administration and DA denotes this is a dual control administration. 7.9 CAN ONE SYSTEM ADMINISTRATOR RESET PASSWORD FOR THE OTHER SYSTEM ADMINISTRATOR? Version Jun 2013 Page 40 of 44

41 The System Administrator cannot reset the password for other System Administrator. System Administrator password can only be reset by the Bank 7.10 WHAT IS THE PASSWORD RULES FOR ASSIGNING PASSWORD TO USERS? The password to be assigned to users should meet the following criteria: It must be at least 6 characters It should be a permutation of both letters and numbers It should not be based on log-on names, family names, birthdays, personal telephone numbers or any other associative data New password cannot be the last 8 passwords that had been assigned previously 7.11 WHAT TO DO IF THE SYSTEM ADMINISTRATOR FORGOT HIS/HER PASSWORD? The System Administrator needs to complete User Maintenance form to the Bank officer for it to be reset CAN THE SYSTEM ADMINISTRATOR CREATE THE SAME USER ID AFTER IT HAD BEEN DELETED FROM THE SYSTEM? The System Administrator cannot create the user using the same User Id again as it was already being recorded in the system. You will see this message User Id has been used before and deleted. Please enter a different user id CAN THE SYSTEM ADMINISTRATOR RESET PASSWORD FOR A USER ID WHOSE STATUS IS ACTIVE? The System Administrator cannot reset a user whose USER ID status is ACTIVE. password whose USER ID status is PASSWORD_LOCKED. You can only reset 7.14 CAN THE SYSTEM ADMINISTRATOR RESET PASSWORD FOR A USER ID WITH STATUS OF FIRSTTIME? The System Administrator cannot reset a user whose USER ID status is FIRSTTIME. You can only reset password where the USER ID status is PASSWORD_LOCKED CAN THE SYSTEM ADMINISTRATOR RESET PASSWORD FOR A USER ID WHERE STATUS IS SUSPENDED? The System Administrator cannot reset a user whose USER ID status is SUSPENDED. The System Administrator needs to activate the user from Suspended status to Active status first. Thereafter, the System Administrator can only reset password whose USER ID status is PASSWORD_LOCKED CAN THE SYSTEM ADMINISTRATOR RESET PASSWORD FOR A USER ID WHERE STATUS IS PENDING? The System Administrator cannot reset a user whose USER ID status is PENDING. The status must be set to Active first before the System Administrator can reset the password. The System Administrator can only reset password whose USER ID status is PASSWORD_LOCKED CAN THE APPROVERS BE CREATED BY THE SYSTEM ADMINISTRATOR? Version Jun 2013 Page 41 of 44

42 The System Administrator cannot create Approvers as if it is creating for Customer User. But the System Administrator needs to assign the appropriate profiles to the approver after the Bank had created the approver user id if the approver is not to be assigned as the default Approver profile CAN THE SYSTEM ADMINISTRATOR DELETE APPROVER USER IDS? The System Administrator can delete the Approver User id. It is recommended that the Approver deletion should still be submitted to the Bank to be deleted from Bank s database WHAT ARE THE TASKS THAT THE SYSTEM ADMINISTRATOR CANNOT PERFORM? There are certain tasks that will not be performed by the System Administrator. Tasks such as: Adding of new accounts Deleting of accounts Adding of new approvers* Deleting of approvers* Modification of signing matrix limits* * only available for Transaction initiation customer 7.20 CAN THE SYSTEM ADMINISTRATOR BE AN APPROVER OR USER TO THE STRAIGHT2BANK? The Bank does not restrict who is to be assigned the System Administrator although the recommendation is to have non Straight2Bank user to be assigned as System Administrator for the purpose of segregation of duties HOW MANY DAYS WILL THE INFORMATION IN THE STRAIGHT2BANK MESSAGE CENTER BE KEPT BEFORE BEING DELETED? The Straight2Bank Message Centre information will be kept for 7 days before it is being deleted by the system WHAT ARE THE AVAILABLE REPORTS THAT CAN BE VIEWED BY THE SYSTEM ADMIISTRATOR? The System Administrator can view two reports from the system. The two reports are User Audit Report and Administration Audit Report WHAT IS THE CONTACT NUMBER TO REQUEST FOR RESETTING OF PASSWORD FOR SYSTEM ADMINISTRATOR? Please call your Country Solution Delivery Hotline given for reset of password for System Administrator WHAT IS THE OPERATING HOURS FOR THE HOTLINE? The HOTLINE is operational from Monday to Friday from 0900hrs to 1730hrs. Version Jun 2013 Page 42 of 44

43 8. Rider To Straight2Bank Customer Administration User Guide Customer Administrator and Users 1. In this section, terms used but not defined shall bear the same meaning as defined in the Reporting Services Agreement or, as the case may be, the Master Services Agreement. In addition, unless the context otherwise requires: Customer Administrator means at any time a User who is authorised by you to appoint or remove other Users, set up new User IDs with the respective Access Profiles, disable and delete existing User IDs, amend an existing User s Access Profile and reset User passwords; Relevant Date means the point at which the Bank allows and enables a Customer Administrator to set up new User IDs with the respective Access Profiles, disable and delete existing User IDs, amend an existing User s Access Profile and reset User Passwords via Straight2Bank; 2. An individual may be appointed as a Customer Administrator by your duly authorised signatory(ies) submitting to the Bank a duly signed and completed printed application/set-up form provided by the Bank for such purpose. Upon receipt, the Bank will set up a User ID for that Customer Administrator and deliver one or more sealed mailers to that Customer Administrator containing details of his or her User ID and/or User password. 3. A Customer Administrator may be removed by your duly authorised signatory(ies) submitting to the Bank a duly signed and completed printed application/set-up form provided by the Bank for such purpose. Upon receipt of such form, the Bank will as soon as is reasonably practicable disable and delete the relevant Customer Administrator s User ID. 4. The Bank will set up User IDs for each Customer Administrator and any other User in accordance with their respective Access Profiles specified by you. The Bank will deliver one or more sealed mailers to a Customer Administrator and/or each relevant User containing details of the User ID and/or User Password for that Customer Administrator or that User (as the case may be). 5. Up to the Relevant Date, an individual may be appointed and set up as a User, or an existing User s Access Profile may be changed, by a Customer Administrator submitting to the Bank a duly signed and completed printed application/set-up form provided by the Bank for such purpose. Upon receipt, the Bank will either (as the case may be) set up a User ID for that User and deliver one or more sealed mailers to a Customer Administrator and/or that User containing details of his or her User ID and/or User password or change the relevant Access Profile. 6. After the Relevant Date, a Customer Administrator may directly via Straight2Bankfrom time to time appoint an individual as a User by setting up a User ID with the relevant Access Profile and a User password for that person, or amend an existing User s Access Profile. 7. Up to the Relevant Date, a User may be removed by a Customer Administrator submitting to the Bank a duly signed and completed printed application/set-up form provided by the Bank for such purpose. Upon receipt of such form, the Bank will as soon as reasonably practicable disable and delete the relevant User ID. 8. After the Relevant Date, a Customer Administrator may directly via Straight2Bankat any time disable and delete any User s User ID. 9. Upon the setting up of a User ID, the relevant User will be given his or her own Access Profile which will limit and define that User s access to information and his or her ability to initiate transactions via Straight2Bank. A User who is not a Customer Administrator will not be given the ability to set up or delete and disable User IDs, or create or amend Access Profiles. 10. The Access Profiles of different Customer Administrators may vary and may give restricted or unrestricted information access (as appropriate) and restricted or unrestricted transaction initiation rights (as appropriate) together in all cases with the ability to set up or delete and disable User IDs, and create or amend Access Profiles. Version Jun 2013 Page 43 of 44

44 11. A Customer Administrator may at any time request the Bank to issue an Electronic Key in relation to a User by that Customer Administrator submitting to the Bank a duly signed and completed printed application/set-up form provided by the Bank for such purpose. Upon receipt, the Bank will set up a PIN for that Electronic Key and assign the Electronic Key to that assigned User such that when the Electronic Key is utilised in conjunction with its corresponding PIN, Straight2Bankwill register that User as having accessed Straight2Bank. The foregoing will be the case even in the event that the Electronic Key and its PIN is used by an individual who is not the assigned User. The Bank will deliver the Electronic Key to a Customer Administrator or the relevant User and separately deliver one or more sealed mailers to a Customer Administrator and/or that User containing details of the relevant PIN. 12. A User password will be disabled automatically after a period of 60 continuous days of non-usage. Meaning, all approvers, operators and administrators will be suspended on the 61 st day if there is no logon for a continuous 60 days. If the users are suspended, they must request their customer admin or the bank admin to reactivate them. Otherwise these users will continue to be in suspended mode. You agree to ensure that each User changes his or her User password the first time he or she utilises Straight2Bankand thereafter at least once every 90 days. 13. Up to the Relevant Date, if a User password is disabled for non-usage or for any other reason, the Bank will reset the User password only upon request in writing by a Customer Administrator, in the form provided by the Bank for such purpose. 14. After the Relevant Date, a Customer Administrator may directly via Straight2Bankreset a User password which has been disabled. None of the suspended users will be deleted by the Bank until specific instructions are being received from the Straight2Bank Web Customers in writing in the form provided by the Bank for such purpose. Deletion can be performed by the Customer Admin or Bank Administrator. Disclaimer This document is issued by Standard Chartered Bank ( SCB ). While all reasonable care has been taken in preparing this document, no responsibility or liability is accepted for any errors of fact, omission or for any opinion expressed herein. You are advised to exercise your own independent judgment (with the advice of your professional advisers as necessary) with respect to the risks and consequences of any matter contained herein. SCB expressly disclaims any liability and responsibility for any losses arising from any uses to which this document is put and for any errors or omissions in this document. This document contains information that is proprietary to SCB and should not be circulated to third parties without SCB s prior written approval. Version Jun 2013 Page 44 of 44