1. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. Managing your processes using cash management services Jemmy Ong Vice President, Global Transaction Services Cash & Trade

2. Agenda  Efficiency improvements on the information management processes through ebanking  Addressing the technological risk  The Implementation process

3. Efficiency improvements on the information management process  Real time information on accounts  Comprehensive reports on a timely basis  Data management –Convenience –Streamline process

4. Real time information on accounts  Account Statement

5. Real time information on accounts Real-time Viewing  Inward Remittances –Showing details like Ordering Party, Payment Details –Ease of reconciliation against account receivables

6. Real time information on accounts  SGD Cheque Presentment Status –Ease of reconciliation against account payables

7. Reconcile to Cheque Deposit Advice Comprehensive reports on a timely basis Check deposit advice

8. Comprehensive reports on a timely basis

9. Data management - Convenience  Consumers –Various modes of DDA for GIRO applications xDDA: via AXS terminals iDDA: via DBS iBanking eDDA: via NETS EFTPOS terminals DDA Maintenance: Processing of manual DDA forms –Extensive branch network in Singapore 86 DBS / POSB branches Over 900 ATMs Over 600 Self Service Kiosks – AXS Machines 24X7 availability for iBanking PIN? CUR. SAV. CRD

10. Data management - Convenience  NPO –Automation of collection process through IDEAL Eliminate the need for manual signatures Approval by batch Proxy authorisationProxy –Reduction of manual keying in process DDA status file sent electronically for updating Billing Organisation’s AR system Collection status file for GIRO delivered electronically PIN? CUR. SAV. CRD

11. Addressing the technological risk To have a electronic banking system with robust security features:  Limited access  Segregation of function  Strong Audit Trail

12. Addressing the technological risk 2 – Factor Authentication  Sign-on using –User ID –Personal PIN and –Random PIN from security token User’s Token Authoriser’s Token

13. Addressing the technological risk Segregation of Duties  Maker  Authoriser  Administration Officer Audit Trail  Track the activities of the users that use the system  Activities are available online for up to 3 months Additional Encryption  Triple DES Encryption for file upload (optional)

14. IDEAL TM – USER PROFILE Authoriser  Authorisation with ease –Using Security Token to generate response code

15. Addressing the technological risk Authoriser  Proxy Authorisation –Generate response for proxy to authorise –Data integrity can be verified using hash total Hash Total for data integrity Challenge Code for Authoriser Total Transaction Amount

16. Convenience  Proxy Authorization –Generate response for proxy to authorise –Data integrity can be verified using hash total Hash Total for data integrity Challenge Code for Authoriser Total Transaction Amount

17. The implementation process  Set up process –Shared responsibility Clients complete the forms Bank set up the system based on the complete forms Token and acknowledgement sent to the users  Implementation officers –Hand hold clients through the implementation process –Testing of file formats  Training –Classroom –On-site –On-line training videos

18. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. Thank You