FedACH Services via FedLine Web and FedACH Services via FedLine Advantage Participant Role

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1 (FedLine Advantage nly) Send ACH payment files thrugh an easy-t-use brwserbased file transmissin system using a VPN tunnel t encrypt and secure infrmatin cntained in FedACH files USB tkens are used t authenticate staff s access (FedLine Advantage nly) Receive ACH payment files thrugh an easy-t-use brwser-based file transmissin system using a VPN tunnel t encrypt and secure infrmatin cntained in FedACH files USB tkens are used t authenticate staff s access Request that ACH items fr a receiving pint be immediately packaged int a file and delivered Dwnlad Acknwledgment (FedLine Direct custmers nly), Balance Reprt (FedLine Direct custmers nly), Infrmatin File, r Cmpsite Receiver File Files are available fr current prcessing day plus 10 previus business days Can be viewed by settlement date r prcess date Available by transactin cde Transactin cde and descriptins Date items prcessed and settled Debit and credit amunts Includes transactins prcessed n the current day and within 10 previus business days Includes transactins settled n the current day and within six previus business days and the next fur business days s Multiple access levels allw cntrl f staff access t meet peratinal needs Cmplete audit lg f activity available fr print/dwnlad Multiple access levels allw cntrl f staff access t meet peratinal needs Cmplete audit lg f activity available fr print/dwnlad Can be used between scheduled file deliveries Demanded files are delivered within a few minutes t the receiving pint s default nde t be dwnladed Files are available fr repeated dwnlads fr 11 days Infrmatin is available by type f accunt Respndent Intermediate crrespndent Crrespndent Accunt hlder Infrmatin can be balanced directly t Federal Reserve accunting statement Infrmatin helps trace and recncile ACH items with internal accunting system Available fr repeated dwnlads fr 11 days

2 Dwnlad up t three NACHA-frmatted advices per prcessing day ne fr each settlement cycle Includes advices fr current prcessing date plus 10 previus business days Review status (accepted, pended, rejected) f payment files transmitted t, r received frm, FedACH n the current day r during the previus 10 prcessing days Available infrmatin includes: Date and time file was send File ID and mdifier Delivery nde ( nly) Batch cunt Item and addenda cunts Debit and credit ttals fr each file Drill dwn t see infrmatin abut individual batches r items within a payment file Prvides access t batch search screen View status f batches riginated t, r received frm, FedACH n the current day r during the previus 10 business days Infrmatin available includes: Batch status and errr descriptins date SEC cde r RDFI RTN Cmpany ID Batch number Item and addenda cunts Debit and credit ttals fr each batch Cmpany name View any item sent t, r received frm, FedACH during the previus 60 business days Third party prcessrs are able t better serve their custmers is able t review descriptin f any file/batch/item errrs is able t determine file status w/ waiting fr an advice and btain infrmatin abut reject(s) can review batch status RDFI can quickly review all batches cntained in a particular file received frm FedACH RDFI is able t check n batch settlement and RDFI have access t cmprehensive item detail as well as item reject and addenda infrmatin

3 T initiate search, yu will need trace number r the dllar amunt and RDFI RTN Infrmatin available includes: Detailed descriptin Infrmatin abut the batch and file in which the item was riginated All can view item trace and settlement infrmatin All can view item reject infrmatin using edit errr ruler /Derive Multiple Return Items/Derive an NOC Item/ Fr items received frm FedACH during the previus 60 business days, derive returns, dishnred returns, cntested dishnred returns, ntificatins f change (NOC), and refused NOCs pint must als be an authrized sending pint fr the DFI n whse behalf the return item r NOC is derived View return and NOC status infrmatin by prcess date Hyperlinks reveal detailed infrmatin abut selected return items Third party prcessrs are able t better serve their custmers Greater accuracy in generating returns and NOCs When deriving multiple returns, as many as 15 return items with the same Return Reasn Cde can be derived withut having t input the Return Reasn Cde each time Risk Originatin Mnitring Mnitr ACH batches with selected ruting transit numbers (RTN) and cmpany IDs Define parameters including the fllwing: Originatrs (single, multiple r inclusive list f cmpany IDs) Timeframes (current prcess day r multiple expsure days) Debit and credit caps End-f-day defaults (reject r prcess pended batches) Able t mnitr ACH payments riginated by custmers regardless f netwrk entry pint (i.e., bank s back ffice r third-party prcessrs) User-cntrlled parameters Hereand nw mnitring, nt afterthe-fact Flexible, respnsive self-service criteria management

4 Receive ntices f batches pended fr exceeding caps, vilating criteria settings Access reprts listing returns fr any riginatr with return item vlume exceeding a designated threshld (as lw as ne return) in a given day r fr a range f days. Infrmatin is available fr up t a 10-day range during the previus 60 business days fr select return reasn cdes s are better able t identify thse riginatrs with excessive return items, thereby revealing ptential ACH fraud r prblem accunts Reprt f unauthrized returns includes: R05 Unauthrized Debit t Cnsumer Accunt Using Crprate SEC Cde R07 Authrizatin Revked by Custmer R10 Custmer Advises Nt Authrized R29 Crprate Custmer Advises Nt Authrized R51 Ineligible Re-Presented Check Entry Reprt f invalid accunt returns includes: R03 N Accunt/Unable t Lcate Accunt R04 Invalid Accunt Number RDFI sets debit and/r credit threshlds (dllar amunt, addenda/item cunt, r bth) fr FedACH utput files When FedACH utput file destined fr an RDFI exceeds a defined threshld, an alert is sent t the RDFI s designated pint(s) f cntact FedEDI Plus Enables DFIs t autmatically search their FedACH transactins fr financial Electrnic Data Interchange (EDI) messages and ther infrmatin. Service translates EDI payment and remittance infrmatin int humanreadable reprts r makes infrmatin available as a cmputer-readable file. RDFIs can manage ACH receipt risk resulting either frm intentinal fraud attempts r frm inadvertent errr User-cntrlled parameters As many as five addresses can be defined t receive alerts Reprts can be autmatically generated and distributed t internal DFI staff, riginatrs, and receivers DFIs, riginatrs, and receivers have access t EDI translatin and reprting as well as t reprts f return items, NOCs, IATs, death ntices, and ther

5 Scheduled reprts Autmatic generatin f scheduled reprts withut any sftware installatin Reprts available fr viewing, printing and dwnlading On demand reprts Real time reprts can be manually generated fr previus date ranges Autmatic delivery methds Encrypted service that allws generated reprts and data files t be sent t any address FedLine file delivery ptin allws generated reprts t be prduced in a frmat that can be leveraged t ppulate an Internet banking cash management prtal Each certificate hlder can display wn prfile, cnfirm authrized sending r receiving pints, and view settlement arrangements as an accunt hlder as well as fr respndents Prfiles can be viewed fr ther FedACH participants ACH data DFIs are able t ffer enhanced services t their crprate and business custmers Certificate hlder is able t btain custmer prfile infrmatin withut leaving the applicatin

6 FedACH Services - Rles and Menu Selectins RDFI Arrangements Arrangements Arrangements Arrangements Arrangements