The Windward Islands Bank Ltd. Clem Labega Square, P.O. Box 220 Phlipsburg, St. Maarten Tel.: (721) 546 2WIB Fax: (721)

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1 The Windward Islands Bank Ltd. Clem Labega Square, P.O. Box 220 Phlipsburg, St. Maarten Tel.: (721) 546 2WIB Fax: (721) The Windward Islands Bank Ltd. Clem Labega Square, P.O. Box 220 Phlipsburg, St. Maarten Tel.: (721) 546 2WIB Fax: (721)

2 (Personal Accounts) What is is the Internet banking service of The Windward Islands Bank Ltd. That enables personal customers to do banking from a personal computer anywhere, anytime. Application Submission: What is required to start using WIB@Home? Active Personal Current and /or Savings Account(s). WIB Bankomatiko Smart Card. What services doe WIB@Home offer? Balances on current accounts, saving accounts, credit cards, personal loans, personal mortgages, and time accounts. Transaction history on current accounts, saving and credit cards. Verify status of individual cheques. View last 10 debits and credits. Pay bills (make payments), locally and internationally. Make payments to any 3rd party. Order cheque books. Retrieve online messaging from The Windward Islands Bank. View statements. What does it cost to use WIB@Home? WIB@Home is free of charge, with the exception of standard charges applicable to process Chequebook orders, Swift (Wire) transfers and a 3rd party payment to other banks. At some point, WIB may find it necessary to charge WIB@Home services. We will notify you well in advance if this should occur. If the password does not work, how do I reset it? To reset your password, please call our Contact Center at (721) We are open Monday to Friday 8:00 a.m. to 7:00 p.m. and on Saturday 8:00 a.m. to 5:00p.m. (AST), except holidays. One of our bank representatives will be happy to assist you. Where is help available? Throughout WIB@Home, there are context sensitive help screens for your assistance. Click on the HELP button in the upper-right corner of each screen. If additional support is required, please send your question or comment via to home@wibbank.net or call (721) or (721) ACCOUNT INFORMATION Which accounts can be viewed on WIB@ Home? All active Personal and/or Savings accounts can be viewed, as well as the account balance of your Credit Card(s), Personal loan(s), Mortgage(s), Time Deposit(s). What needs to be done to view additional accounts on WIB@Home? On the main accounts page, click on change profile, complete the form and submit, the accounts will be added at the bank. How far back is it possible to view transaction in WIB@Home? A customer can view Current and Savings accounts transactions up to thirteen (13) months back. Can Current Account (personal) statements be viewed on WIB@Home? Yes. When can today s transaction be viewed on WIB@Home? Accounts transfer and immediate (pay now) payments are processed in real time and are immediately available on the detail history. When scheduling a payment, it will not be visible until the payments are processed daily between 4:00 p.m. and 5:00 p.m. and if submitted correctly, will be visible during the day.

3 ACCOUNT TRANSFERS What is an account transfer and how does it work? An account transfer is moving funds between the Current and/or Savings Accounts that are setup in Transfers are supported in NAF., USD and Euro currencies. The transfer will occur in the currency of the From account. To transfer funds, select the account you want to transfer from and the account you want to transfer the funds to. Is it possible to transfer Dollars and Euros? Yes, it is possible to transfer US Dollars and Euros if the transfer From account is a Foreign Currency account. It is also possible to make payments from a US Dollar or Euro account. Payments A bill has been paid but the balance of the account did not change. Why not? When scheduling a payment, the balance of the selected account will not reflect payment of the amount until payment had been processed during our settlement procedure, between approximately 4:00 p.m. and 5:00 p.m. When does the beneficiary of a bill actually gets the payment? If the beneficiary s account is at The Windward Island Bank, the payment will be received the same business day. For beneficiaries at other local banks, it takes about 3 business days for the payment to be received. Please allow an adequate amount of time for the payment to reach the beneficiary. Can beneficiaries at other banks be paid via WIB@Home? Yes. payment procedure applies as the local banks, selecting the beneficiary s name for the bank drop down menu on the payment page. If the beneficiary s name does not appear on the drop down menu list, payment can be executed by means of a wire transfer. How can a beneficiary in the USA or Europe be Beneficiaries in the USA or Europe can be paid by wire transfers. Is it possible to get a confirmation that a payment has been processed? WIB@Home generates confirmations both at creation of the payment and at its execution. LIMITS What are the transaction limits? Transfers and payments are subject to the following daily amount limits, which are subject to change by the Bank. TRANSACTION TYPE Within own Accounts Bank Vendor List Payments 3rd. Party Payments (not vendor list) Wire Transfers NUMBER SINGLE TRANSAC- TION How can a beneficiary on another island be If the beneficiary is with the MCB Group the same

4 WIBDirect Business (Small & Medium Size Business) What is WIBDirect Business? WIB Direct Business is the Internet banking service of The Windward Islands Bank Ltd. that enables small to medium sized business customers to do banking from a personal computer anywhere, anytime. Application Submission: What is required to start using WIBDirect Business? Active Business Account(s) User ID, which is provided by the bank. What service does WIBDirect Business offer? Balances on Current Accounts, Saving Accounts, Credit Cards, Personal Loans, Personal Mortgages, and Time Accounts. Transaction History Verify Status of Individual Cheques. View Last 10 Debit and Credits. Pay Bills (Make Payments), Locally and Internationally. Make payments to any third party. Order Cheque books. Retrieve Online Messaging from The Windward Islands Bank Ltd. View Statements Online. What does it cost to use WIBDirect Business? WIBDirect Business has no monthly fee but it has the following transaction fees, with additional charges for Stop Payments and Cheque book Orders. The password does not work, how can it be reset? To reset your password, please call our Contact Center at (721) We are open Monday to Friday 8:00 a.m. to 7:00 p.m. and on Saturday 8:00 a.m. to 5:00p.m. (AST), except holidays. One of our bank representatives will be happy to assist you. Where is help available? Throughout WIBDirect Business, there are context sensitive help screens for your assistance. Click on the HELP button in the upper-right corner of each screen. If additional support is required, please send your question or comment via to wibdirectbusiness@wib-bank.net or call (721) or (721) ACCOUNT INFORMATION Which accounts can be viewed on WIBDirect Business? All active accounts you are authorized to view, as well as the accounts balances of your Credit Card(s), Personal Loan(s) Mortgage(s) and Time Deposit(s). What needs to be done to view additional accounts on WIBDirect Business? On the main accounts page, click on change profile complete the form and submit. The accounts will be added by the bank. How far back is it possible to view transactions in WIBDirect Business? A customer can view current and savings account transactions up to thirteen (13) months back. Transaction Type Within own Accounts Bank Vendor List Payments 3rd. Party Payments (not vendor list) Wire Transfers Amount NAF. Free of charge 1.05 per transaction 1.05 per transaction Standard fees apply Can Business Current Accounts statements be viewed in WIBDirect Business? Yes When can today s transaction be viewed in WIBDirect Business? Account transfers and immediate (pay now) payments are processed in real-time and are im-

5 mediately available on the detailed history. When scheduling a payment, it will not be visible until the payment has been processed during our settlement procedure, between approximately 4:00 and 5:00 p.m. International payments 3are processed daily between 8:30 a.m. and 4:30p.m. and if submitted correctly, will be visible during the day. ACCOUNT TRANSFERS What is an account transfer and how does it work? An account transfer is moving funds between the Current and/or Savings Account(s) that are set up in WIBDirect Business. Transfers are supported in NAF., USD and Euro currencies. The transfer funds will occur in the currency of the From account. To transfer funds, select the account you want to transfer funds from, then select the account you want to transfer the funds to. Is it possible to transfer Dollars and Euros? Yes, it is possible to transfer US Dollars and Euros if the transfer from account is a Foreign Currency account. It is also possible to make payments from a US Dollar or Euro account. PAYMENT A bill has been paid but the balance of the account did not change. Why not? When scheduling a payment, the balance of the selected account will not reflect payment of the amount until payment has been processed during out settlement procedure between approximately 4:00 p.m. and 5:00 p.m. When does the beneficiary of a bill actually get the payment? If the beneficiary s account is at The Windward Islands Bank, the payment will be received the same business day. For Beneficiaries at other local banks, it takes about 2 business days for the payment to be received. Please allow an adequate amount of time for he payment to reach the beneficiary. Can beneficiaries at other banks be paid via WIBDirect Business? Yes. How can a beneficiary on another island be If the beneficiary is within the MCB Group the same payment procedures apply as with local banks, selecting the beneficiary s name account from the drop down menu on the payment page. If the beneficiary s name does not appear on the drop down menu list, payment can be executed by means of a Wire Transfer. How can a beneficiary in the USA or Europe be Beneficiaries in the USA or Europe can be paid by Wire Transfer. Is it possible to get a confirmation that a payment has been made? WIBDirect Business generates confirmations both at creation of payment and at its execution. LIMITS What are the transaction limits? Transfer and payments are subject to the following daily and amount limits, which are subject to change by the bank. TRANSACTION TYPE Within own Accounts Bank Vendor List Payments 3rd. Party Payments (not vendor list) Wire Transfers NUMBER Unlimited SINGLE Unlimited

6 What is WIBDirect Corporate? WIBDirect Corporate is designed specifically for large sized businesses. What is required to start using WIBDirect Corporate? Active Business Account(s). Personal Computer with Internet access. The current version or the immediately preceding version of either Microsoft Internet Explorer (IE) or the Google Chrome browser. Application Submission via the Register button on: Addition Submission via the Register button on: 1 Type of identification from each user. Chamber of Commerce Registration. Signature List What service does WIBDirect Corporate offer? Viewing Features Detailed transaction for Current, Savings and Credit Card accounts. Download possibilities into industry standard formats. View balance of Loan Accounts, Time Deposit, Investment Account and Insurance Policies. View pending transactions. Verify Status of individual cheques. Easy retrieval of last 10 debits/credits on Current and Savings accounts. Statement of Current Accounts and Credit Cards Confirmation of payment notifications. Payment Features: Payment within own accounts. Payment to 3rd parties and Vendors payment- (incl. local bank Payments and Inter Island Transfers). Standing Orders. Wire Transfer Requests. Group Payments (Batches) File transmission a.o. externally generated Payroll Files. Other Features Cheque Book Order Request. Read/Send Mail. View foreign currency exchange rates. Security and User Features: Password. 2nd factor authentication Token. Assign Multiple Users with defined access, also option for dual control What does it cost to use WIBDirect Corporate? Registration Fee None Monthly Fee NAF / US$ OB for each additional user NAF / US$ OB is added to Monthly Fee. Payment within own Account NAF 1.00 / US$ OB. Payment 3rd Party NAF 1.00 / US$ OB. Wire Transfer Request Standard Fee. Order Cheque Books Standard Fee. What are the Transaction Limits? There are no Transaction Limits. CHEQUE BOOK ORDER REQUEST When an application for a cheque book is submitted where is the cheque book sent and when can it be picked up? The cheque book is sent to the branch of your choice. Cheque books are ready for pickup 2 business days after you online book order.