International Wire Transfers Help Guide Transfer Funds to Overseas Banks

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1 PERSONAL ONLINE BANKING International Wire Transfers Help Guide Transfer Funds to Overseas Banks Follow the instructions within this guide to Create, Edit, Cancel or Make a new wire transfer from an existing record. CREATE A NEW WIRE TRANSFER To avoid delays or additional fees on outgoing wire transfers, please ensure that you have the following information: Recipient information including first name, last name, address and account number. Wire transfers overseas banks require the recipient bank SWIFT Code. Wire transfers to banks in Mexico require a CLABE account number, please include this information in the recipients Originator to Beneficiary Information fields. International Bank Account Number (IBAN) can only be provided by the servicing bank and must be obtained from the beneficiary. Please make sure the IBAN number is valid. If you are unsure of any of the information needed to complete the electronic wire transfer, please contact the recipient before completing the transfer. STEP ACCESS THE WIRE TRANSFER FEATURE Click on the Payments tab Select Wires from the submenu International Wire Transfers Help Guide I

2 STEP ACCEPT THE FUNDS TRANSFER AGREEMENT AND E-SIGN ACT AGREEMENT Enable the I agree with the terms & conditions by selecting the check box for the Funds Transfer Agreement To view the agreement in Spanish, select Versión en Español NOTE: The Spanish version of the agreements appears only for purposes of translation. Enable the I agree with the terms & conditions by selecting the check box for the E-Sign Disclosure and Consent (E-Sign Agreement) and select Continue To view the agreement in Spanish, select Versión en Español NOTE: The Spanish version of the agreements appears only for purposes of translation. STEP CREATE A WIRE TRANSFER Select Create New Wire Transfer International Wire Transfers Help Guide I

3 STEP ENTER WIRE TRANSFER INFORMATION All fields marked with an asterisk (*) are mandatory. 7 8 Select the debit account from the dropdown menu Enter description of payment that will accompany the wire transfer Enter amount of transfer Select date of transfer by clicking on the calendar icon Enter your address Select the wire transfer frequency Enter number of wire transfers within the frequency selected Enter brief message that will accompany the wire transfer NOTE: For further credit to instructions, please use the Originator to Beneficiary Information field. 9 Enter recipients name 0 Enter recipients address Enter recipients address Enter recipients account number Select SWIFT Code as recipients bank identification type Enter recipient bank SWIFT Code Validate the Recipient Bank by clicking Validate Bank ID 7 7 Verify that the recipient bank information is correct If information is correct, select Continue To cancel this wire transfer, click Cancel International Wire Transfers Help Guide I

4 STEP VIEW WIRE TRANSFER View Wire Transfer Verify that the Wire Transfer information is correct and select Continue. If you need to make any necessary changes, select Back. International Wire Transfers Help Guide I

5 STEP COMBINED DISCLOSURE VERIFICATION Verify Wire Transfer information such as: Date of transfer 0 Date recipient will receive funds Transfer Amount Mercantil Commercebank Transfer fees Transfer Taxes if applicable Total amount debited by Mercantil Commercebank Transfer amount 8 Intermediary bank fees 9 Total amount that will be received by recipient after all fees have been deducted 0 Recipient name and address Recipient bank information If you need to make any necessary changes, select Back. To view the disclosure in Spanish Select Ver Documento en Español To validate the electronic wire transfer, select Authorize Transfer. International Wire Transfers Help Guide I

6 STEP 7 PROOF OF PAYMENT Select Print to keep a copy of the wire transfer receipt for your records. To view disclosure in Spanish, select Ver Documento en Español To return to the Wire Transfer Payment Center, select Exit. Mercantil Commercebank will be sending you important notifications related to your wire transfers via electronic mail ( ). CANCEL A PENDING WIRE TRANSFER Follow the steps below to cancel a wire transfer. STEP SELECT WIRE TRANSFER Select the wire transfer Reference ID International Wire Transfers Help Guide I

7 STEP CANCEL WIRE TRANSER Click Cancel Transfer Click OK to confirm Wire transfer Status will display Cancelled International Wire Transfers Help Guide I 7

8 STEP CREATE A WIRE TRANSFER FROM AN EXISTING RECORD Select the Wire Transfer Reference ID STEP CREATE TRANSFER FROM RECORD Click Create Transfer from this Record International Wire Transfers Help Guide I 8

9 STEP ENTER WIRE TRANSFER INFORMATION Enter Payment Description and Amount Select Date Select Frequency Enter Number of times Validate Bank ID If information is correct, select Continue. Proceed to follow Steps through Step on page. DAILY WIRE TRANSER DEADLINES Any request submitted after :00 p.m. EST will require a value date of the next business day. Recipient may receive less due to fees charged by the recipients bank and foreign taxes. You have the right to dispute errors in your transaction. If you think there is an error, contact us within 80 days at: Toll free: Toll free from Venezuela: Telephone calls from any other location: Hours: 7 a.m. Midnight EST You can cancel for a full refund within 0 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about Mercantil Commercebank, N.A., contact: Consumer Financial Protection Bureau (8) -7 or (8) 79-7 (TTY/TDD) Continued > International Wire Transfers Help Guide I 9

10 GLOSSARY SWIFT Code: The Swift Code is an international code used in transmitting international wires. This code is necessary for all international wire transfers. This code may be obtained from the recipient financial institution. You may also visit the Society for Worldwide Interbank Financial Telecomunication (SWIFT) website to ensure you have the correct Swift Code Corresponding/Intermediary Bank: A bank that funds go through to get to the intended recipient. Payment Description: Details about the wire transfer that is kept in the originators personal records. Originator to Beneficiary Information: Additional details related to the transaction, that the originator of the wire transfer would like for the recipient to receive. International Bank Account Number (IBAN): The IBAN varies by country/institution (refer to list of countries below). Please check with the beneficiary to ensure that you obtain the correct IBAN. You may also visit the IBAN Calculator website to confirm the International Bank Account Number (IBAN) Participating Countries that require an IBAN are: Albania Andorra Austria Belgium Bosnia and Herzegovina Bulgaria Croatia Cyprus Czech Republic Denmark Dominican Republic Estonia Finland France French Guianna French Polynesia Germany Georgia Gibraltar Greece Guadeloupe Hungary Iceland Ireland (Republic of ) Isle of Man Israel Italy Kazakhstan Kuwait Latvia Liechtenstein Lithuania Luxembourg Macedonia Malta Martinique Mauritania Mauritius Monaco Montenegro Netherlands New Caledonia Norway Poland Portugal Reunion Island Romania San Marino Saudi Arabia Serbia Slovak Republic Slovenia Spain Sweden Switzerland Tunisia Turkey United Arab Emirates United Kingdom August 0 Mercantil Commercebank, empowering your world

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