Business Online. Business Online. International Banking Solutions

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1 Business Online Standard Bank is South Africa s oldest, most trusted and best-recognised banking brand. It is also the largest South African bank by assets and earnings and is represented in 17 African countries and a further 21 outside Africa. The specialised banking needs of business are met by Standard Bank s Corporate and Investment Banking division, a leader in innovative banking solutions. Business Online As a pioneer of electronic banking in South Africa, Business Online is the country s leading provider of online business banking services. It has the biggest market share and is backed by user-friendly technology and personal service from a team of highly trained professionals. With more than users, in excess of operators and transactions worth more than R200 billion processed each month, Business Online provides reliable, secure and costeffective banking solutions to small, medium and large businesses. Business Online has a comprehensive range of products and services designed to address all your banking requirements. These have been developed and introduced over the past 20 years and are stable and well-established services that will add significant value to your business. Other Business Online services Domestic Banking Domestic Banking is a Windows-driven electronic system, delivered through Cats, that uses Internet technology to provide a range of business banking services and financial information through its account management, funds transfer and messaging modules. Domestic Treasury Domestic Treasury provides access to domestic Treasury call (deposit and loan) and term (deposit and loan) accounts. efiling Electronic filing (efiling) is a channel between the South African Revenue Service (SARS) and the taxpayer. By using efiling a wholly owned SARS company, various tax forms and payments can be submitted online. Custody Communications Custody Communications provide access to custody and settlement information for assets held with our Financial Asset Services (FAS) division using Internet technology. International Banking International Banking is a Windows-driven system, delivered through Cats, that uses Internet technology to provide seamless and paperless processing of international cash management requirements. FX Trading FX Trading is a Windows-driven, Internet-based business online system, delivered through Cats, that is designed to provide a comprehensive and highly efficient foreign exchange dealing service. Third Party Fund Administration Third Party Fund Administration is a Windows-driven electronic system, delivered through Cats, that allows administrators such as attorneys, accountants and stockbrokers to perform basic banking transactions on behalf of their clients. Treasury Interest Rate Products Interest rate products is an inter-active Internet site that provides a range of financial information and research on interest rates. Continued overleaf SBSA /A 09/ int inserts.indd 1 10/16/07 8:04:47 AM

2 Treasury Portfolio Valuations Treasury portfolio valuations provides secure, relevant and reliable financial information to assist you with meeting the valuation and accounting requirements relating to your interest rate derivative portfolio. Share Trading Standard Bank Online Share Trading puts you behind the wheel of your financial future. It s your live link to the JSE and your direct channel to expert market analysis. It gives you access to fundamental information on listed companies. Trading online means you are your own successful broker. You can make informed decisions and smart investments. You can place orders for JSE-listed shares at any time of the day or night, from anywhere in the world providing you have access to an Internet linked computer. Warrants The Business Online warrants site offers information on the South African warrants market and seeks not only to educate potential warrant traders but also to provide investors with trading tips and tools to help them trade warrants more effectively. ZAR accounts ZAR accounts is an Internet-based enquiry system, providing real-time balances, current and historic statements as well as interest information on ZAR accounts held by global institutions. International Trade System The International Trade System is designed to deliver international trade-related products in a secure, effective and streamlined manner. SBSA /A 09/ int inserts.indd 2 10/16/07 8:04:48 AM

3 What does Business Online International Banking offer? Business Online International Banking offers a global banking network through which you can effectively manage all of your international banking requirements. Account management International Banking Account Management of resident Customer Foreign Currency (CFC) and non-resident Foreign Currency Account (FCA) accounts offers: What do Offshore Statements offer? Displays statements, balances and exposures on offshore accounts. Statement-viewing capabilities for accounts held at any financial institution. A single view of multiple accounts. The ability to export statements into accounting packages or ERP systems. The ability to interface statement files into ERP systems through CONNECT: Direct or online exports. Account balances, transactional details, interest statements and account exposures. Six months statement history. SWIFT message printouts for foreign payments and receipts. Facilitation of the interface into Enterprise Resource Planning (ERP) systems. Export of statement information. Daily, weekly and monthly interest statement options. Account management facilitates the movement of funds into and out of CFC, FCA and Offshore accounts. Offshore accounts These are accounts held with other financial institutions both locally and internationally. Continued overleaf SBSA /B 09/ int inserts.indd 3 10/16/07 8:04:49 AM

4 Funds Transfer Funds Transfer allows payments to local and international beneficiary accounts. The system facilitates the transfer of funds between CFC and/or ZAR accounts. Transactions can be fully automated to reduce risk and speed up the process. Features of the Funds Transfer module Beneficiaries are preloaded and verified by us. Cross-border payments can be made from ZAR (current), CFC and FCA accounts, and instructions for payments can be made from offshore accounts. Payment instructions can be captured up to 30 days in advance. Cross-border foreign exchange transaction reports are sent electronically to the South African Reserve Bank. All banking-related information can be interfaced with overthe-counter accounting software packages and ERP systems. Value-dated (today, tomorrow and spot) transactions can be effected. Each payment and beneficiary has a particular status, enabling the user to monitor the progress of the payment. Currency cut-off times and public holidays can be viewed on the system and can therefore be taken into account when planning payments. Unique reference numbers are generated that can be used to query transactions. Transfer funds between CFC accounts and FCAs. Transfer funds between CFC and ZAR accounts or vice versa, allowing effective management of funds into and out of the account. Transaction audit reports are available for reporting, reconciliation and confirmation of payments. Transaction audit reports are available for reporting. Amend and cancel transactions. The Offshore Payments module offers: The ability to instruct any financial institution to make local and third-party payments on your behalf. The facility to capture payment instructions up to three days in advance. Transaction audit reports. SBSA /B 09/ int inserts.indd 4 10/16/07 8:04:51 AM

5 How will my business benefit from International Banking? International Banking is an online offering that can be accessed any time, anywhere, at your convenience. International Banking allows you to: Manage your CFC, FCA and offshore accounts through the Account Management and Funds Transfer modules. Process local and cross-border transactions from current (ZAR) accounts and FCAs. Process payment instructions to other financial institutions. Manage pre-loaded beneficiaries and payments online or offline. Capture data which can be either online for immediate transmission or through your ERP system. Access our offline functionality for later importation into the online facility which eliminates dual capturing. Make use of our specialised administration department, which provides final verification and SWIFT validations to ensure that payments achieve straight through processing. Administration The Administration module allows passwords to be changed daily, switching between user IDs and for the operator to create and change reset keys. Training and support Extensive support is provided to all Business Online customers. A dedicated team of banking professionals delivers tailor-made onsite training on a one-on-one or group basis. Online help screens and a comprehensive demo system provide added support. Personal assistance is provided by a specialist Customer Contact Centre team. A dedicated account manager is allocated to your account to ensure that service excellence is adhered to at all times. SBSA /C 09/ int inserts.indd 5 10/16/07 8:04:51 AM

6 Security Business Online gives you total peace of mind as all electronic banking is conducted within a secure and controlled environment, with extensive use and release control features. Why is Business Online such a safe banking option? Access is controlled through user and operator IDs and passwords. Access limits and restrictions can be put in place for different users, according to your requirements. Segregation of duties among operators allows you to determine who does what on the system. Operator limits and multiple release capabilities provide added security. Customer-defined limits give you control over funds being released from your account. Many functions can be automated, thereby minimising manual input errors. Audit trails are available to help monitor access and usage by staff. Usage statistics can be viewed, printed or downloaded. Beneficiary and transaction limits can be enforced to enhance security. Many of our online products offer automated branch and account validation features, thereby minimising input errors. Our 128-bit encryption technology gives you added peace of mind that your transactions are secure. Business Online is the top-rated electronic banking product in South Africa and has been in existence for more than 20 years. Our system is reliable and secure and has a proven track record. What do I need to run Business Online solutions? Software and hardware requirements Business Online s user-friendly technology is compatible with most leading software packages. Your Business Online consultant will personally assess your company s systems to ensure that you can run the service and will install all software and arrange one-on-one or group training onsite. Hardware requirements Pentium III 450 MHz computer. (Recommended: Pentium IV 2.0Ghz.) 128MB of RAM. (Recommended: 256MB and for Windows XP, 512MB.) 100MB free space on hard disk. 56K modem or faster. (Recommended: ISDN or ADSL.) A4 plain paper printer. CD-ROM drive. Super VGA monitor 800x600 resolution with more than 256 colours. Software requirements Windows 2000, ME or XP operating system. Internet Explorer Version 5 with service pack one. Ports Business Online operates on ports 80 and 443. If you have access to the Internet these ports should already be open. Network For optimum performance the HTTPS protocol should be prioritised on your company s network. Contact information Johannesburg: Entrance 4, 2nd Floor, 3 Simmonds Street. Durban: 11th Floor, Standard House, 275 Smith Street. Cape Town: 6th Floor, Standard Bank Centre, Heerengracht, Adderley Street. Pretoria: 500 Tsitsa Street, Erasmuskloof, Castleview South. For more information, contact your Business Online consultant, or: call our Customer Client Centre on us at businessonline@standardbank.co.za visit our website at SBSA /D 09/ int inserts.indd 6 10/16/07 8:04:52 AM

7 Business Online Forex (FX) Trading Solutions FX Trading Business Online s FX Trading is a real-time, online dealing, management and enquiries service for companies that deal in foreign exchange. The system also allows access to indication rates and orders. What does FX Trading offer? Spot deals (deals initiated for value today, tomorrow or in two business days time). Forward Cover. There is the option of fixed, fully optional or partially optional cover). Extensions, surrenders, and early and normal deliveries on existing forward contracts. Orders, including stop losses, profit takes and call orders. Indicative exchange rates. The enquiry facility allows queries for trades, deliveries and orders with the following options: - unsettled, historic, single and today s deals; - mark to market; and - contract hierarchy. screens and a comprehensive demo system provide added support. Personal assistance is provided by a specialist Customer Contact Centre team. A dedicated account manager is allocated to your account to ensure that service excellence is adhered to at all times. Contact information Johannesburg: Entrance 4, 2nd Floor, 3 Simmonds Street. Durban: 11th Floor, Standard House, 275 Smith Street. Cape Town: 6th Floor, Standard Bank Centre, Heerengracht, Adderley Street. Pretoria: 500 Tsitsa Street, Erasmuskloof, Castleview South. For more information, contact your Business Online consultant, or: call our Customer Client Centre on us at businessonline@standardbank.co.za visit our website at What are the benefits of FX Trading? Easy navigation around the system. Windows functionality. Easy and efficient access to transaction information. Improved control over foreign exchange activities. Efficient deal reconciliation. Foreign exchange deal information is confidential. The trading environment is secure. Limit restriction per operator can be set. What do I need to qualify for FX Trading? Due to the risks associated with foreign currency dealing, certain credit approvals are required. Training and support Extensive support is provided to all Business Online customers. A dedicated team of banking professionals delivers tailor-made training, onsite, on a one-on-one or group basis. Online help SBSA /E 09/ int inserts.indd 7 10/16/07 8:04:53 AM