Internet Banking Standard FIAT & Standard FIAT-Hybrid Registration Intuit Financial Services University Internet Banking Certification Training

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 2 Standard-FIAT Overview: Authenticated OrderConsumerAdmin PlatformFinancial Institution Administrator 1Goes to website and completes registration form. If authenticated, the consumer is automatically approved for IB. 2Consumer is added to the Internet Banking system. 3Logs into IB with User ID and Password/PIN. 4Consumer is updated in the Internet Banking system with a status of Active. NOTE: This is one example of overview flow. Actual flow will depend on the host.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 3 Standard-FIAT Overview: Soft Fail OrderConsumerAdmin PlatformFinancial Institution Administrator 1Goes to website and completes registration form. One or more of the validation fields fail. 2Consumer is added to the Internet Banking system with a status of Needs Approval. Receives an (optional) that a new consumer has registered and the application “soft failed”. 3Reviews the application under Registration > IB Registration (Status = Needs Approval” and approves the application. 4An approval is sent to the consumer. 5Logs into IB with User ID and Password/PIN. Consumer is updated in the Internet Banking system with a status of Active. NOTE: This is one example of overview flow. Actual flow will depend on the host.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 4 Standard-FIAT Overview: Hard Fail OrderConsumerAdmin PlatformFinancial Institution Administrator 1Goes to website and completes registration form. All of the validation fields fail. 2Consumer sees an on screen customer verification error message. NOTE: This is one example of overview flow. Actual flow will depend on the host.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 5 Consumer Registration Process (The Front End)

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 6 Login Screen To register for Internet Banking, consumers should click the link found on your financial institution’s login screen. NOTE: The location of this link as well as the verbiage for the link is customizable. Example of a Home Page login screen Example of a Standard login screen

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 7 Welcome Screen The consumer is presented with a welcome screen.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 8 Step 1: Complete the Registration Form Tool Tips allow you to give your consumers formatting requirements, e.g. NNNNNNNNN for the SSN field. Many fields are customizable. Please reference the Implementation Form for details. The Company field is configurable and optional. If you have small businesses using your Internet Banking product, this is a good way to collect that data. If you have Small Business FinanceWorks, this field is visible for your financial institution (no configuration request required).

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 9 Validation Fields (optional) You’ll work with your Intuit Financial Services Implementations Project Manager to define what fields on the registration form to use for FIAT authentication. What fields you can use may depend on your financial institution’s host. You may also define additional validation fields for your reference. Commonly available and recommended choices for authentication: (You must require at least two fields and can have up to four.) SSN#/Tax ID Mother’s Maiden Name Date of Birth Zip Code NOTE: In selecting authentication elements, consider the following: Likelihood that the consumer will enter the data in a consistent manner with how it is stored on your financial institution’s host. Select enough authentication fields to authenticate the consumer, but not so many that legitimate registrations are more likely to fail, causing a high number of manual registration approvals. Primary Account Number Last Deposit Amount Last Statement Date

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 10 Login Credentials – FIAT Only User ID: This field pre-fills with the SSN that was entered in the SSN field at the top of the form. This field is not editable. During Implementations, your financial institution will select the identifier based on your host (i.e. member number, account number). Alternate User ID: During Implementations your financial institution will determine if the consumer is required to create a unique Login ID for this field. Your financial institution will also choose to either display your unique login ID guideline requirements as a Tool Tip or as a hyperlink that when clicked, opens a new window with login ID requirements. NOTE: The Reports > IB Activity Reports may be used to track consumers that have created an Alternate User ID. Password: During Implementations, your financial institution will choose to either display your password requirements as a Tool Tip or as a hyperlink that when clicked, opens a new window with password requirements. TIP: The consumer can manage their Alternate User Id via User Options button inside of Internet Banking.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 11 Login Credentials – FIAT-Hybrid Only TIPS: Add a tool tip to tell the consumer exactly what to enter in the PIN and Alternate User ID field. Enable the global password prompt. This will force all consumers to change the PIN entered on the registration form to a unique password upon the initial login to Internet Banking. User ID: This field pre-fills with the SSN that was entered in the SSN field at the top of the form. During Implementations, your financial institution will select the identifier based on your host (i.e. member number, account number). Alternate User ID: During Implementations your financial institution will determine if the consumer is required to create a unique Login ID for this field. NOTE: The Reports > IB Activity Reports may be used to track consumers that have created an Alternate User ID. PIN: If your financial institution chooses to display this field, the consumer enters their PIN that is currently stored on your host (i.e. telephone banking PIN, last four digits of their SSN, etc.).

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 12 Bill Pay Bill Pay: If your financial institution is using Combined Enrollment for bill payment, the consumer is registering for Internet Banking and Bill Payment via this one application. Depending on the verbiage your financial institution selected during Implementations, the consumer will either opt in or opt out of Bill Payment here.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration The confirmation screen allows the consumer to verify their information. If anything is incorrect, they can click Edit and the fields become editable. Step 2: Review the Confirmation Screen

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration The consumer is prompted to accept your financial institution’s disclosure. If your financial institution is using Combined Enrollment, both the Internet Banking and Bill Pay Terms & Conditions will be displayed here. Option 1: Text box with the Accept/Decline buttons. Option 2: A checkbox which is integrated on the registration form with a link to the Terms & Conditions. Step 3: Read the Disclosure Screen (optional)

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Step 4: Completion Screen. Authenticated - the application processes immediately. If your financial institution is Real-Time, consumers will have immediate access to Internet Banking at this time. If your financial institution is Batch or Hybrid, it will depend on your host on whether consumers will have immediate access to Internet Banking with limited information or have to wait until the next batch files are sent to Intuit Financial Services. NOTE: If your financial institution is using the host PIN as part of the login credentials and the consumer enters the wrong PIN on the registration form, they will see a modified Completion Screen text. Soft Failure - the application does not process immediately because of incorrect validation information. Use this page to tell your consumers their registration is complete and that they will be contacted or enabled within X days. Hard Failure - the consumer’s attempted registration is denied at the host due to all validations failing to pass (e.g. SSN and the consumer’s information failed to match host). NOTE: The consumer’s application will not be saved and therefore, it will not be available to view in Admin Platform.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration This page intentionally left blank Page 16

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 17 Administration Process (The Back-End)

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 18 Administrative Features Integrated registration form viewing within Admin Platform If application “soft fails” because of incorrect validation information, an financial institution administrator can view and approve or decline the application in Admin Platform Ability to search and retrieve historical applications by status Append notes to individual applications Applications are currently stored indefinitely on the server FIAT Information that is stored for future review as part of the Soft Failure Flow scenario has a time limit on storage for 180 days. After the data expires, the FIAT information ONLY will be purged from the system.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Financial institution Sent (optional) An is sent to the financial institution if the application Soft Fails: This tells you that a new consumer has registered, but was not authenticated and needs to be approved through Admin Platform The contains minimal information – just enough for you to look up this consumer in Admin Platform. The financial institution indicates what address to send this during the Implementation process.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 20 Step 1: Access Registration Applications Applications with a valid SSN that did not automatically process due to incorrect validation information (“soft fail”) have a status of “Needs Approval”. Access these registration applications via Registration > IB Registration Fiat Authentication. Select “Needs Approval” as the Category. Click on ‘Retrieve User List’ button. Then, click on the User ID hyperlink to view the application.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 21 Click on the FIAT Authentication button to view the consumer’s submitted information in comparison to their information as provided by the host. NOTE: The Super User controls access to this button. Step 2: Verify/Review the Registration Application

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 22 Compare the information (your financial institution should have policies set as to how to deal with differences) and choose either “Approve” or “Decline” from the Select Activity dropdown and then click the Submit button. The screen will refresh with a message that the operation was successful.. Step 3: Approve/Decline the Registration Application NOTE: When a consumer’s registration application is placed in the ‘Decline’ status, that consumer will be removed from the system but their application information will remain in the registration database.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Upon the financial institution approving/denying the consumer’s Internet Banking application in the Admin Platform, the consumer will receive either an approval or denial . Step 4: Consumer Receives IB

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 24 Consumers Who Opted in for Bill Pay If the consumer opted in for Bill Pay on the Combined Enrollment form, the consumer will be prompted to select their Bill Pay funding account upon their initial login. At that time, the consumer’s Bill Pay eReg record will be sent to the financial institution’s bill payment processor. NOTE: The consumer’s Bill Pay eReg record is sent to the financial institution (as opposed to the bill payment processor) if the financial institution does not have auto approval. Please refer to your Bill Pay manual for details regarding these steps/processes.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Page 25 Additional Registration Search Options 1.To view a specific consumer’s registration application: Enter their User ID and click on the ‘Retrieve User’ button. 2.To view all consumers’ registration applications that are in a specific status: Choose the category (New Registrations, Approved Registrations – Not Logged In, Declined Registrations, Postponed Registrations) from the dropdown and click on the ‘Retrieve User List’ button.

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Practical Applications – FIAT Registration 1.How do you know that a new consumer has registered for Internet Banking with a soft failure? 2.How long does an consumer need to wait between being approved for Internet Banking and being able to access their accounts online? 3.What is the very first thing an consumer must do if they have forgotten their password? 4.How do you reset an consumer’s password if they get locked out or forget their current password? 5.Is all the account information lost when you reset an consumer’s password? 6.How long does an consumer have to wait to access their accounts once they have been reset?

FIAT and FIAT-Hybrid Registration © 2012 Intuit Financial Services All rights reserved. CONFIDENTIAL AND PROPRIETARY. Internet Banking: FIAT & FIAT-Hybrid Registration Step 1: Receive an when a new IB registration has arrived that has “soft failed” Step 2: Log into Admin Platform > Registration > IB Registration Fiat Authentication. Search for user or select Needs Approval and retrieve list Step 3: Click on the User ID and review the registration for completeness, looking at the additional verification fields Step 4: Look at the accounts the consumer wants to view online and minimize Admin Platform. Go your core processor do any maintenance necessary to enable their account for online access (Ask your core processor contact for instructions). Step 5: Once you have correctly enabled the consumer’s accounts on the core processor, maximize Admin Platform again, check the consumer checkbox and select the activity “Approve”. NOTES: Check two statuses within Registration > IB Registration Fiat Authentication Needs Approval (The consumer has submitted their registration, but the application was not automatically authenticated and needs review New Registrations Not Logged In (These consumers have been approved but they have not actually logged into IB for the first time – Determine the time frame before initiating contact) Quick Tip Sheet: FIAT Registration Suggested Daily Tasks Monitor the inbox for registrations (if enabled) and the Needs Approval status in Registration > IB Registration Fiat Authentication. Approve or deny applications. If approved, enable the accounts on your core processor if necessary. Suggested Monthly Task Monitor Registration > IB Registration Fiat Authentication > New Registration Not Logged In status.