user guide wire and internal transfers

For Client Use Only Effective July 2019

Wire and Internal TransfersU S E R G U I D E

Overview 03

Before you start 03

Sign On to the Financial Center 06

Navigating Through Wire and Internal Transfers 08

Create Transfer 08

Domestic Wire 09

International Wire 17

Import Transfer File 48

Transfer Reporting 61

Templates 67

Set Preferences 76

Pending Items 80

Cutoff Times 84

Appendix 85

Table of Contents

Overview

MUFG Union Bank, N.A. adds convenience and speed to your treasury management processes with Wire and Internal Transfer Services. We have streamlined and simplified our wire services so that you can initiate transfers—domestic or international, USD or FX—in just minutes.

Before you start

This user guide will walk you through the step-by-step process on the following tasks:

• Create Transfer

• Import Transfer File

• Transfer Reporting

• Templates

• Set Preferences

• Pending Items

Self-Service Administration for Wire and Internal Transfers Access

Contracting Officers or Web Administrations may enroll, edit, or delete user entitlements to Wire and Internal Transfers through the Administration Console in the Financial Center. Wire and Internal Transfers may be entitled to all users or selected users; including full or selected access to individual accounts.

User entitlements include:

• Create Wire

• Create Templates

• Submit International Wires

• Approve Wire

• Approve Templates

• Set Dollar Limits

• Review Reports

• Submit Repetitive Transfers without Additional Approval

• Set Wire Limit

• Delete Wires

• Submit Intra-Company Transfers

• Assign Security Token

Wire and Internal Transfers 3

4 Wire and Internal Transfers

Setting up Alerts for Wire Activity

Contracting Officers or Web Administrations may enroll, edit, or delete user entitlements to Alerts through the Administration Console in the Financial Center. Alerts may be entitled to all users or selected users; including full or selected access to individual accounts.


Sign On to the Financial Center

Sign on to the Financial Center from www.sso.unionbank.com.

Enter your User ID.

Click Next.

Enter Password.

Click Submit.


http://www.sso.unionbank.com

Click Wire and Internal Transfers.

The Financial Center will display.


Navigating Through Wire and Internal Transfers

The Wire and Internal Transfers home screen will display access to the wires entitlements in which you are enrolled in.

OPTIONS FUNCTIONALITY

Create Transfer Create an individual or a batch of up to 25 wires at a time.

Available wire types consist of:

• Domestic Wire• International Wire• Intra-Bank (Book)• Intra-Company• International Request for Transfer

Import Transfer File Import multiple transfer files in a single upload

Transfer Reporting Retrieve 60 days of wire reports

Templates Create Templates, Create Template Report, and Search of Templates with the option to Edit, Copy, or Delete a template

Set Preferences Set your individual user preferences with options to Rename Accounts, Reorder Accounts, and Show/Hide Fields that Contain No Data

Help Access the Wire and Internal Transfers User Guide

Return to My Services Return to the Financial Center

Pending Items Approve pending wires and templates

Broadcast Message Displays important information pertaining to Wires and Internal Transfers

Create Transfer

Create a single or a batch of domestic and/or international wire transfers quickly and easily.

• Create a Single Transfer: Create and submit one wire at a time

• Create a Batch of Transfers: Create up to 25 wire transfers and submit the entire batch at once

Note: A batch can contain both free-form and template-based transfers of any type—including U.S. dollar and foreign currency international wires. Available wire types:

• Domestic Wire

• International Wire

• Intra-Bank (Book)

• Intra-Company

• International Request for Transfer


Domestic Wire

Create a Single Free-form Transfer

Note: For assistance with the field definitions please see the Comprehensive Field Definitions located in the Appendix.


Click Create Transfer.

Click Create a Single Transfer. All fields marked with an asterisk (*) require an entry.

Note: If creating a transfer from a template, please see the section titled Create a single transfer from a template.

Select the Type of transfer:

• Domestic Wire



• Intra-Company


Select the Debit Account.

Enter the Amount.

Select the Send Date. Wires may be future dated up to 30 business days in advance.

Enter the Beneficiary Bank information:

• ABA Number (a Search function is available for ABA and Bank Name assistance)

• Bank Name

• City, State, and Country

Enter the Beneficiary information:

• Account Number

• Name

• Address

• City and State

• Country

Important information regarding the Beneficiary:

• Beneficiary Name and Address fields are limited to 33 characters and City/State field to 30 characters. One additional line of 33 characters can be added by clicking the (+) sign next to either of the field.

• The country information is a separate field. Please use the search option to ensure correct Country is selected.

• When prioritizing beneficiary information, Beneficiary Name and City are required. The address is for informational purposes only.

• Beneficiary names should not be abbreviated except when indicating standard business entity type (e.g., Co, Ltd., and Inc.).

• Use standard abbreviations for States (e.g., CA for California).

• If a line break is necessary when entering the information, ensure the line break does not separate a word. Separated words may result in delays or cancellation of the wire request.

Enter the Beneficiary Reference (16-character limit).

Enter Payment Details (140-character limit). Valid characters include all alphanumeric characters and + – ( ) . : ‘ { } blank.

If an Intermediary Bank is required to route the Wire appropriately, click the + icon to expand the section.


Enter the Intermediary Bank information:

• ABA Number (a Search function is available for ABA and Bank Name assistance)

• Bank Name


It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before submitting the transfer.

Select Submit Transfer. The transfer will be added to the Pending Items for approval.

Select Review Transfer.

Selecting Review Transfer will display the Review Transfer screen; validate the information for accuracy before selecting Submit Transfer.


If the transfer requires updates, select Edit and make the necessary updates.

Select Print to print the transfer information.

Once the wire instructions and the beneficiary have been confirmed, click Submit Transfer. The transfer will be added to the Pending Items for approval.

The Transfer Creation Confirmed screen will display with the transfer status and the options to:

• Print

• Create Another Transfer

• Create Template from this Transfer

Create a Template from a Transfer

Select Create Template from this Transfer. All fields marked with an asterisk (*) require an entry.


The Save As Template screen will display.


Enter a unique identifier in the Template ID (20-character limit with no spaces).

Enter the Template Name (35-character limit).


Select the Amount:

• Allow any amount up to the transfer limit. Enter a transfer limit in the field.

• Always use this amount

Confirm the Beneficiary Bank:

• Always use the same beneficiary

• Leave blank (will be required at entry)

Confirm Beneficiary:

• Always use the same beneficiary

• Allow text to be added to the beneficiary address only (optional at entry)


Confirm Beneficiary Reference:

• Always use the same Beneficiary Reference

• Leave blank (will be optional at entry)

Confirm Payment Details:

• Always use the above text

• Allow text to be added to above (optional at entry)

• Leave blank (all text will be optional at entry)

• Disable (field will not appear on transfer)

Select the Number of Approvers (up to 5 additional approvers). Selecting “None” as the number of approvers will automatically approve and release the transfer, when created from this template, if the user submitting the transfer has approval entitlements.

Note: The template will also need to be approved before use.

If an Intermediary Bank is required to route the Wire appropriately, click the + icon to confirm the information.

• Always use the same Intermediary Bank


It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before submitting the template.

Select Submit Template. The template will be added to the Pending Items for approval.

Select Review Template.


Selecting Review Template will display the Review Template screen; validate the information for accuracy before selecting Submit Template.


Once the wire instructions and the beneficiary have been confirmed, click Submit Template. The template will be added to the Pending Items for approval.


The Template Creation Confirmed screen will display.


International Wire

Create a Single Free-form International Transfer






• Domestic Wire



• Intra-Company



If this is a Dodd-Frank wire, select the checkbox entitled Transfer is for personal, family, or household purposes, if applicable.

Select the Amount Type:

• Credit Amount

• Debit Amount

Note: Amount Type provides the ability to specify the USD-equivalent amount on an international FX wire, and allows the user to enter either the Debit Amount or Credit Amount when creating international wires. The user will be able to enter either the Debit Amount in USD or the Credit Amount in either USD or a foreign currency.

Enter the Amount.

Select the Credit/Debit Currency from the dropdown. If specific rules apply to the currency selected, click the View Rules link.

Select the Send Date.

Select the Value Date. This Value Date may differ from the Send Date due to the destination on the Wire.

Note: The default Value Date shown is based on the selected Send Date and Currency. Changes to the date must adhere to the rules associated with both the currency and selected account. For example, the earliest Value Date for many currencies is 2 business days after the Send Date. Additional Consideration is given to international holidays for the selected currency.

If using an existing Contract Number, enter the Contract Number and click Get Rate. The contract rate and calculated debit amount will be displayed.

Note: The optional “Contract Number” field refers to the FX trade/ticket number. Please provide the FX contract number if you have executed one already or leave the field blank and click the “Get Rate” button to request one.

If a foreign exchange rate is required, select the Get Rate link to obtain a real-time rate. The amount will be calculated.

• A time sensitive rate will display in the Exchange Rate Information.

• Clicking Accept Rate enters your company into a legally binding Foreign Exchange contract with MUFG Union Bank, N.A.

• Once accepted, the rate and affected data cannot be changed.

Note: Certain foreign currencies have special processing rules associated with them. If this is the case, you can click View Rules to see the processing rules and requirements specific to the foreign currency.


SWIFT Code (a Search function is available for SWIFT Code and Bank Name assistance)

• Bank Name


View IBAN formats: The International Bank Account Number (IBAN) is typically used for payments going to any other countries that use the EURO as their main currency. If you have a beneficiary in any of these countries, he/she must provide the IBAN, so the international wire transfer will be processed correctly. The IBAN is entered in the Account Number field. The View IBAN formats link will show you the IBAN format for each of the eurozone countries. You should not try to reconstruct the IBAN based on the BIC Code and the account number. Only your beneficiary can provide you with his/her correct IBAN number.


• Account Number (If entering an IBAN, click the View IBAN formats for assistance)

• Name

• Address

• City and State

• Country









Enter Payment Details (140-character limit). Valid characters include all alphanumeric characters and + – ( ) . : ‘ { } blank

Select the International Fees type to define which party in the transaction will pay the international fees and other bank charges incurred for each transfer. International fees (also known as commission charges) are common in many international wires. These are fees charged by the intermediary banks to process a wire transfer through their bank.

• If “Shared” is selected, the charges are shared between the beneficiary and the sender.

• If “Ours” is selected, no intermediary fees apply, and the sender pays all charges. If you select this option, additional fees will be charged to your account.




• ABA—For a domestic bank selection

• SWIFT—For a foreign bank selection

• TEXT Number—For free-form input of Bank Name and Address fields only

• Search function is available for ABA, SWIFT, or TEXT and Bank Name assistance

• Bank Name


Note: MUFG Union Bank, N.A., will choose the intermediary bank to deliver international wire payments. In some cases, your beneficiary will provide the specific intermediary bank to use for payments. MUFG Union Bank, N.A., may choose to route the wire transfer through an alternate intermediary bank to expedite processing or if the instructions provided are not correct.

Dodd-Frank Wires

International remittance transfers that are sent for personal, family, or household purposes are governed by the Dodd-Frank regulations. These transfers will require the following additional fields to be completed during wire creation:

• Sender Name is required

• Beneficiary Name is required

• Fees and Taxes are required. Select Get Fees and Taxes to populate this section

• International Fees are fixed to Ours





The Transfer Creation Confirmed screen will display.


Create an Intra-Bank Book Transfer

If the Beneficiary is located at MUFG Union Bank, N.A., you can send an Intra-Bank (Book) transfer. Book transfers are settled on a real-time basis.





• Domestic Wire



• Intra-Company




Enter the Amount.

Select the Send Date. Wires may be future dated up to 30 business days in advance.


• Union Bank® Account Number

• Account Name

Enter Payment Details (140-character limit). Valid characters include all alphanumeric characters and + – ( ) . : ‘ { } blank









Create Intra-Company Transfer

Intra-Company transfers are transfers between your MUFG Union Bank, N.A., accounts. Intra-Company transfers settle on a real-time basis and require a security token to complete.

Select Create Transfer.

Select Create a Single Transfer. All fields marked with an asterisk (*) require an entry.



• Domestic Wire



• Intra-Company


Enter the Amount.

Select the Send Date. Transfers may be future dated up to 20 business days in advance

Select the Debit Account (From).

Select the Credit Account (To).

It is highly recommended you thoroughly review all data for accuracy before submitting the transfer.


Select Submit Transfer. You will be prompted to enter the token Passcode for approval.





Once the transfer instructions have been confirmed, click Submit Transfer. You will be prompted to enter the token Passcode for approval.


Create International Request for Transfer

You can create international requests for transfer in U.S. dollars or a foreign currency.






• Domestic Wire



• Intra-Company



Enter the Amount.

Select the Send Date. The Req. Execution Date will populate.

If you are sending an International Request for Transfer in foreign currency, enter the FX Deal Reference if applicable.

Select the Instructions Code and Detail:

• CMSW

• CMTO

• CMZB

• OTHR

• PHON

• RTGS

• URGP

Note: Real Time Gross Settlement (RTGS) is the recommended code. Select URGP for time-sensitive payments.

Enter the Beneficiary Bank:

• SWIFT Code or Bank Name (a Search function is available for SWIFT Code and Bank Name assistance)

• Address


View IBAN formats: The International Bank Account Number (IBAN) is typically used for payments going to any other countries that use the EURO as their main currency. If you have a beneficiary in any of these countries, he/she must provide the IBAN, so the international wire transfer will be processed correctly. The IBAN is entered in the Account Number field. The View IBAN formats link will show you the IBAN format for each of the eurozone countries. You should not try to reconstruct the IBAN based on the BIC Code and the account number. Only your beneficiary can provide you with their correct IBAN number.


• Account Number (If entering an IBAN, click the View IBAN formats for assistance)

• Account Name

• Address


• City, State

• Country









Enter the Customer Reference.

Enter the Originator to Beneficiary information.

Select the International Fees type to define which party in the transaction will pay the international fees and other bank charges incurred for each transfer. International fees (also known as commission charges) are common in many international wires. These are fees charged by the intermediary banks to process a wire transfer through their bank.

• If “Shared” is selected, the charges are shared between the beneficiary and the sender.

• If “Ours” is selected, no intermediary fees apply, and the sender pays all charges. If you select this option, additional fees will be charged to your account.

Enter the Regulatory Reporting.



• ABA—For a domestic bank selection

• SWIFT—For a foreign bank selection

• TEXT Number—For free-form input of Bank Name and Address fields only

• Search function is available for ABA, SWIFT, or TEXT and Bank Name assistance

• Bank Name


Note: MUFG Union Bank, N.A., will choose the intermediary bank to deliver international wire payments. In some cases, your beneficiary will provide the specific intermediary bank to use for payments. MUFG Union Bank, N.A., may choose to route the wire transfer through an alternate intermediary bank to expedite processing or if the instructions provided are not correct.



The Transfer Creation Confirmed screen will display

Create a transfer from a template



Click Select Templates.


The Template Search screen will display.

Enter the necessary template information.

• Template ID

• Type

• Account

• Created By

Note: Leave the search criteria fields as the default settings and click Search to view a full list of available templates.

Click Search.

The respective templates will display. Click on the line item corresponding to the desired template.


The template will display.

Enter the required fields.



Select Review Transfer.34 Wire and Internal Transfers


Create a Batch of Transfers


Note: Batch transfers not submitted by the send date are retained for 5 business days. The retention period may differ by company.


Click Create a Batch of Transfers. All fields marked with an asterisk (*) require an entry.



• Domestic Wire



• Intra-Company


Enter the required information in the data fields.


Select Add this Transfer to Batch. The transfer will be added to the Transfer Batch to the right of the data fields.

Repeat steps 3–5 until all transfers have been added to the batch.

It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before submitting the transfers.

If a transfer requires updates, select Edit or Delete as appropriate.

Select Submit Transfers. The transfers will be added to the Pending Items for approval.

Select Review Transfers.


Selecting Review Transfers will display the Review Transfers screen; validate the information for accuracy before selecting Submit Transfers.


Select a print option for the transfer information:

• Print Transfer (one per page) to print each transfer on its own page

• Print Transfers with Detail (continuous) to print multiple transfers on a page.

If a transfer requires updates, select Edit or Delete as appropriate.

Once the transfer instructions and the beneficiary have been confirmed, click Submit Transfer.

IF SUBMITTING AN INTRA-COMPANY TRANSFER IF SUBMITTING ALL OTHER TRANSFERS

The approval screen will display prompting for the Security Token to be entered for approval. 1. Enter the token Passcode.2. Select Submit. The Intra-Company transfer will be

submitted for processing. 3. Select Cancel to cancel the transfer.

The Transfer Creation Confirmed screen will display with the option to Create Another Transfer. The transfers will be added to the Pending Items for approval.1. Select Print Transfers to print the transfer information.2. Select Create Another Transfer to create additional transfers.


Create a Drawdown Transfer

Access to Drawdown wires must be specifically requested at the account level and created by a template. Therefore, a user initiating a Drawdown wire must have access to Templates and Drawdown Wires.

Create a Drawdown Template

Click Templates.

Click Create Template.


The Create Template screen will display.



Select Drawdown Wire in the Transfer Type.

Enter a unique identifier in the Template ID (20-character limit, and no spaces permitted).


Select the Credit Account.

Select the Amount:



Select the Debit (Drawdown) Bank. A Search function is available for ABA and Bank Name assistance.

Enter the Debit (Drawdown) Party:

• Account Number

• Account Name

• Address

• City, State

• Country

Select the Payment Details:





Select the Number of Approvers (up to 5 additional approvers). Selecting “None” as the number of approvers will automatically approve and release the transfer, when created from this template, if the user submitting the transfer has approval entitlements.







Once the Drawdown Template is created, another wire user with approval entitlements will need to approve the pending drawdown template before initiating a drawdown wire.


Creating a Drawdown Wire



Click Select Templates.


Enter the necessary template information.

• Template ID

• Type

• Account

• Created By


Note: Leave the search criteria fields as the default settings and click Search to view a full list of available templates.

Click Search.

The respective templates will display. Click on the line item corresponding to the desired template.

The template will display.

Enter the required fields.





Import Transfer File

Import multiple transfer files in a single upload.

Upload an import file using the default template.

Click Import Transfer File. All fields marked with an asterisk (*) require an entry.

To view a sample of an import file, click View Sample File Templates in CSV Format, select Download, and open the file.

Note: For assistance with the wire import field definitions please see the Wire Import Field Definitions located in the Appendix.

Browse and locate the file to import.

Select Default Template in the File Template drop-down if the file was created from a CSV Sample File Template.

Enter the Number of Items to be imported.

Select Import File.

Note: Files must be uploaded by 2:45 p.m. PT on business days, except for book transfers which must be uploaded by 3:30 p.m. PT on business days. Future-dated wires must be uploaded by 11:30 p.m. PT on the day prior to the send date of the wires.


The Import Transfer File Summary will display.

Select Import Another Transfer File to continue importing additional files.

Select View Files Pending Submission to review, edit, or submit transfer files that have been imported.

The Imported Transfer Files Pending Submission will display.

Note: Any discrepancies such as an incorrect total, invalid transfer data, or duplication of a file or an item will be displayed with a red exclamation point (!). For assistance/examples of discrepancies, please see the Exceptions section.

Click Delete to delete the file that was imported.

Click the File Name to review, edit, delete, or submit the file(s) for approval.


Selecting a File Name will display the File Transfer Summary. If there is more than one file to process, each file will have to be reviewed and submitted separately.

It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before submitting the transfers for approval.

Viewing the File Transfer Summary:

Review the details of a specific transfer within the file by checking the box corresponding to the transfer(s) or view details on all transfers by selecting the “Check All” box and clicking Review Selected.

Select Return to Import Files to return to the Imported Transfer Files Pending Submission. The file will not be submitted for approval until you click Submit File for Approval.

Select Submit File for Approval to submit the transfers for approval.


The Review Imports screen will display. Confirm the totals for accuracy.

Select Submit File for Approval. The transfer(s) will be added to the Pending Items for subsequent approval.

Select Cancel to cancel the import.

Note: Files must be submitted for approval by 2:55 p.m. PT on business days, except for book transfers which must be uploaded by 3:45 p.m. PT on business days. Future-dated wires must be uploaded by 11:45 p.m. PT on the day prior to the send date of the wires.


The Imported Transfers Files Submitted for Approval—Confirmation will display.

Select Import Transfer File to continue importing additional files.

Select Return to Files Pending Submission to view all imported transfer files.

Note: The Number of imported wires approved, the Number of imported wires submitted for additional approval, and Number of imported wires that failed will be displayed with their respective wire totals.


Create a New Template for an Import File

Import file templates can be created at any time via the File Template sub-tab. You can download the default file template which supports domestic, international USD, and book transfers, or, create a custom file tempalte. Custom file templates in CSV format can be tailored to support the specific wire types and fields that you use. You can exclude optional fields which are not used.

Select Import Transfer File. All fields marked with an asterisk (*) require an entry.

Select View Sample File Templates in CSV Format.

The Maintain File Templates will display.


To view a sample template, click Download and Open the file.

Note: For assistance with the wire import field definitions please see the Wire Import Field Definitions located in the Appendix.

Click Create New File Template.

The available import fields will display. All fields marked with an asterisk (*) will be required in the file when importing.

Enter the File Template Name.

In the Transfer Types section, highlight the type of transfer(s) that will be contained in the file.

Move the Available transfer types over to the Selected types:

• Click the double arrow >> to move all transfer types over to the selected types.

• Click the single arrow > to move individual transfer types over to the selected types.


Depending on the Transfer Types selected, the corresponding Transfer Fields will display below.

In the Transfer Fields section, highlight the additional transfer fields that will be contained in the file.

Move the Available transfer types over to the Selected types:

• Click the double arrow >> to move all transfer types over to the selected types.

• Click the single arrow > to move individual transfer types over to the selected types.

Click Submit to submit the template for use.

Select Cancel to cancel the template.


Clicking submit will display the Maintain File Templates with the newly created template.

Click Create New File Template to create another import template.

Click Download to begin using the import template.

Click Edit to make changes to the template.

Click Delete to delete the template.

Upload an import file from a newly created template.


Select Import Transfer File. All fields marked with an asterisk (*) require an entry.

Browse and locate the file to import.

Select the template in the File Template dropdown.

Enter the Number of Items to be imported.

Select Import File.

Note: Files must be uploaded by 2:45 p.m. PT on business days, except for book transfers which must be uploaded by 3:30 p.m. PT on business days. Future-dated wires must be uploaded by 11:30 p.m. PT on the days prior to the send date of the wires.

The Import Transfer File Summary will display.

Select Import Another Transfer File to continue importing additional files.

Select View Files Pending Submission to view all transfer files that have been imported.


The Imported Transfer Files Pending Submission will display.

Note: Any discrepancies such as an incorrect total, invalid transfer data, or duplication of a file or an item will be displayed with a red exclamation point (!). For assistance/examples of discrepancies, please see the Exceptions section.

Click Delete to delete the file that was imported.

Click the File Name to review, edit, delete, or submit the file(s) for approval.

Selecting a File Name will display the File Transfer Summary. If there is more than one file to process, each file will have to be reviewed and submitted separately.

It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before submitting the transfers for approval.

Viewing the File Transfer Summary:

Review the details of a specific transfer within the file by checking the box corresponding to the transfer(s), or view details on all transfers by selecting the “Check All” box and clicking Review Selected.


Select Return to Import Files to return to the Imported Transfer Files Pending Submission. The file will not be submitted for approval until you click Submit File for Approval.

Select Submit File for Approval to submit the file for approval. The transfer(s) will be added to the Pending Items for approval.

The Review Imports screen will display. Confirm the totals for accuracy.

Select Submit File for Approval. The transfer(s) will be added to the Pending Items for approval.

Select Cancel to cancel the import.


The Imported Transfers Files Submitted for Approval—Confirmation will display.

Select Import Transfer File to continue importing additional files.

Select Return to Files Pending Submission to view all imported transfer files.

Note: The Number of imported wires approved, the Number of imported wires submitted for additional approval, and Number of imported wires that failed will be displayed with their respective wire totals.


Transfer Reporting

Create transfer reports or search for specific transfers in a summary or detailed view.

Create a Transfer Report

Select Transfer Reporting.

Select Create Transfer Report.

Select the Type of transfer report you would like to create.

• All

• Domestic Wire



• Drawdown Wire

• Intra-Company



Select the Account.

• Select All Accounts

• To limit the report to specific accounts, click the boxes corresponding to the account(s).

Select the Status:

• Requires Approval—Not yet submitted to the bank for processing

• Submitted to Bank—Fully approved and submitted to the bank for processing

• Deleted—Deleted from the Pending List

• Expired—Not approved by the Send Date cutoff time

• Rejected—Approved and submitted to the bank but rejected

• Confirmed—Successfully executed by the bank

• Pending Confirmation—Executed by the bank and awaiting status of either Confirmed or Rejected. Note: This is the final status for Drawdown Wires unless Rejected.

Select Created By:

• All—All users

• Me (User)—Transfers only created by you

If applicable, enter the Amount.

Enter the Date or select the date from the calendar icon:

• Entry Date—View transfers created on a specific date—from today through the last 60 calendar days.

• Send Date—View transfers sent on a specific date—including the current business day, last 60 calendar days, or 30 business days in the future.

Note: To view transfers over a range of dates, click the Search for Transfer feature.

Choose Report Format:

• Summary Report—View a summary of all transfers within the search criteria. You will have an option to view individual transfer details by selecting the Type/ID of a specific wire.

Available download options:

– Adobe Acrobat 7.0 Document (*.pdf) format

– Rich Text (*.rtf) format

– Comma-Delimited (*.csv) format

– Microsoft Excel (*.xls) form

• Detail Report—View a listing of all transfers within the search criteria, displaying all detailed information.

Available download options:

– Adobe Acrobat 7.0 Document (*.pdf) format (one wire per page)

– Adobe Acrobat 7.0 Document (*.pdf) format (continuous wires per page)

– Rich Text (*.rtf) format (one wire per page)

– Rich Text (*.rtf) format (continuous wires per page)

– Comma-Delimited (*.csv) format

– Microsoft Excel (*.xls) format

• Consumer International Transfer Report—If applicable, transfer details are displayed in PDF format with disclosures required by the Dodd-Frank regulations.


Select View Report.

SAMPLE OF A SUMMARY REPORT SAMPLE OF A DETAIL REPORT


Search for Transfer

Search for a specific transfer(s).

Select Transfer Reporting.

Select Search for Transfer.


Select the Type of transfer report you would like to create.

• All

• Domestic Wire



• Drawdown Wire

• Intra-Company


Select the Date Type/Date(s).

• Entry Date

– Date

– Or Date Range

• Send Date

– Date

– Or Date Range

• Value Date

– Date

– Or Date Range

Enter the Amount or Amount Range.

Enter the Sequence Number or Number Range.

Select Created By:

• All—All users

• Me (User)—Transfers only created by you

Select the Account.

• Select All Accounts.

• To limit the report to specific accounts, click the boxes corresponding to the account(s).

Click Search.


The search results will display. Click the Amount of a specific transfer to view and print the details.


Templates

Create Template

Click Templates.

Click Create Template.


The Create Template screen will display.

Select the Transfer Type.

Enter a unique identifier in the Template ID (20-character limit with no spaces allowed).



Select the Debit Account (or the Credit Account for a Drawdown wire).

Select the Amount:



If creating an International Wire, select the Credit Currency: Always use or leave blank (will be required at entry).

Select the Beneficiary Bank:

• Always use the same Beneficiary Bank (Drawdown wire templates require fixed bank information)


Select Beneficiary:

• Always use the same Beneficiary Bank

• Allow text to be added to the beneficiary address only (optional at entry)


Select Beneficiary Reference (Domestic, International, and International Request for Transfers only):

• Always use the same Beneficiary Reference


Select Payment Details:





If creating an International Wire, select the International Fees. Select the International Fees type to define which party in the transaction will pay the international fees and other bank charges incurred for each transfer. International fees (also known as commission charges) are common in many international wires. These are fees charged by the intermediary banks to process a wire transfer through their bank.

• Always use:

– Shared—The charges are shared between the beneficiary and the sender

– Ours (no intermediary fees apply)—The sender pays all charges. If you select this option, additional fees will be charged to your account

• Allow Change (will be optional at entry)

Select the Number of Approvers (up to five additional approvers). Selecting “None” as the number of approvers will automatically approve and release the transfer, when created from this template, if the user submitting the transfer has approval entitlements.


If an Intermediary Bank is required to route the Wire appropriately, click the + icon to confirm the information.

• Always use the same Intermediary Bank





Create Template Report

View summary or detail information for both active and pending templates.

Click Templates.

Click Create Template Report.


The Create Template Report screen will display.

Select the Type of Template Report you would like to create:

• All

• Domestic Wire



• Drawdown Wire

• Intra-Company


Select the Account.

• Select All Accounts

• To limit the report to specific accounts, click the corresponding boxes.

Enter the Template ID.


Select the Status:

• All

• Available

• Pending

• Deleted

Selected Created By:

• All—All users

• Me (User)—Templates only created by you

Enter the Date or select the date from the calendar icon:

• Last Updated Date

• Date Range

Choose Report Format:

• Summary Report—View a summary of all templates within the search criteria. You will have an option to print and view individual template details by selecting the Template ID of a specific template.

• Detail Report—View a listing of all templates within the search criteria, displaying all detailed information.

– Available print options:

º Print one template per page

º Print continuous templates per page

– Available sort options:

º Template ID [ascending (default)]

º Account Number (ascending)

º Type

Click View Report.

Search for Template (Edit/Copy/Delete)

Find an active template to edit, copy (to create a new template), or delete. Access the Pending Items to modify or delete templates pending approval.

Note: Any changes to a template must be approved by another user before the template can be used.

Click Templates.

Click Search for Template (Edit/Copy/Delete).



Enter the Template ID.

Select the Type of Template Report you would like to create:

• All

• Domestic Wire



• Drawdown Wire

• Intra-Company


Select the Account.

Selected Created By:

• All—All users

• Me (User)—Templates only created by you

Click Search.

A listing of all templates within the search criteria will display. Click on the line item corresponding to the desired template.


Select Edit.

• The requested template will populate.

• Enter the necessary changes.

• It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before submitting the template.

• Select Submit Template. The template will be added to the Pending Items for approval.

• Select Review Template.

• Selecting Review Template will display the Review Template screen; validate the information for accuracy before selecting Submit Template.

Select Copy: You can copy an active (approved) template to create a new template with similar values.

• The Create New Template from Copy will display values copied over from the original template.

• Enter a unique identifier in the Template ID field.

• Enter the necessary changes.

• It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before submitting the template.

• Select Submit Template. The template will be added to the Pending Items queue for approval.

• Select Review Template.

• Selecting Review Template will display the Review Template screen; validate the information for accuracy before selecting Submit Template.

Select Delete to delete the template. Click Yes or No in the dialog box.


Set Preferences

Set your individual user preferences with options to Rename Accounts, Reorder Accounts, and Show/Hide Fields that Contain No Data.

Set preferences

Rename Accounts

You can assign preferred names to accounts for easier identification in drop-down lists.

Note: Your account renaming does not affect other users or the display of account names in reports.

Enter the Preferred Account Name.

Click the Save Preferred Account Names.76 Wire and Internal Transfers

Note: To keep the accounts actual default name, leave the entry field blank.

The Account Rename Confirmed will display.

Reorder Accounts

You can define a preferred account order for easier selection from the drop-down list.

Note: To place your most frequently used accounts at the top of the drop-down list, choose sort by Account Name and use Rename Accounts to create custom account names.

Select the preferred option from the Always sort by drop-down:

• Account Number—Accounts are listed in ascending account number order

• Account Name—Accounts are listed alphabetically

Click Save New Account Order.


The Account Reorder Confirmed will display.

Show/Hide Fields that Contain No Data

Fields that contain no data were left blank by the wire’s creator. Showing or hiding these fields will impact your Review screen and Reports.

Select the preferred Show/Hide Fields that Contain No Data option:

• Hide unused fields

• Show unused fields

Click Save Show/Hide Setting.

The Show/Hide Fields that Contain No Data Confirmed will display.


Update Dodd-Frank Disclosure (FI clients only)

The standard disclosure covering the rights to cancellation as required by Dodd-Frank regulations can be updated here.

Update the disclosure language for approved wires and pending wires as required.

Click Save Dodd-Frank Disclosure for Approved Wires.


The Update to Dodd-Frank Disclosure for Approved Wires Confirmed screen will display.

Pending Items

The Pending Items status bar displays the number of transfers and templates requiring approval or other action. Links to the Pending Items screen are activated when items exist. Your User Entitlements control the items and actions available on the Pending Items screen.

Pending Items Status:

• Transfers Pending Your Approval—Transfers that require your approval.

• Transfers Pending Company Approval—Transfers that require approval from other user(s).

• Rejected Transfers—Approved transfers submitted to the bank for processing that have been rejected.

• Expired Transfers—Transfers not approved by the Send Date cutoff time. These items are not included in the total number if transfers displayed on the Pending Items status bar.

• Approved Future-Dated Transfers—Approved transfers with a future Send Date. These items are not included in the total number of transfers displayed on the Pending Items status bar.

• Templates Pending Your Approval—Templates that require your approval.

• Templates Pending Company Approval—Templates that require approval from other user(s).


Review Transfers or Templates

It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before submitting or approving a transfer or template.

Click Transfers Require Action or Templates Require Action.

Click Edit to make the updates. The transfer will reappear in the Pending Items and require additional approval.

Click Delete to delete the transfer. Click Yes or No in the dialog box.

Select the item(s) to review.

It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before approving the transfer or template.

Click Review Selected.


The items to be reviewed will display.

The number of items to be reviewed will be displayed.

If the transfer or template requires updates, select Edit and make the necessary updates. The transfer or template will require additional approval.

Click Delete to delete the transfer or template.

Click Print to print the transfer or template information.

Click Approve Transfer to approve the transfer for processing.

Click Return to View Pending to view other items pending.

Approving Transfers or Templates

Transfers and Templates are subject to approval based on rules established by your company.

Approval requirements are defined at either a company level for free-form transfers or template level for template-based transfers. Transfers requiring secondary approval will not be submitted to the bank for processing until fully approved.

Note: Approvers are required to use a security token supplied by MUFG Union Bank, N.A., to authorize transfers.


Click Transfers Require Action or Templates Require Action.

The applicable items will display.

Select the item(s) to approve.

It is highly recommended you thoroughly review all data for accuracy and validate the beneficiary information before approving the transfer or template.

Click Approve Selected.


The For Your Security screen will display, prompting for the security token passcode.

Enter the Passcode.

Click Submit to approve the transfer for processing.

Click Cancel to cancel the approval of the transfer.

Cutoff Times

Transfers must be approved and submitted to the bank by the cutoff time; defined by transfer type, on the Send Date.

TRANSFER TYPE CUTOFF TIME (PACIFIC TIME)

Domestic Wire Transfer 3:00 p.m.

International Wire Transfer 3:00 p.m.

Drawdown Wire Transfer 3:00 p.m.

Intra-Bank (Book) Transfer 4:00 p.m.

Intra-Company Transfer 9:00 p.m.

Transfers not approved by the Send Date cutoff time are listed as Expired Transfers on the Pending Items screen to be edited or deleted.

Note: International wire transfers sent to personal, household, or family purpose must be approved by 2:15 p.m. PT as these wires have a 30-minute cancellation period.


Appendix

For questions and additional information, call Client Services at 800-322-2778, 7:00 a.m.–6:00 p.m. PT, Monday through Friday, excluding holidays.

For assistance with Foreign Currency, call Global Foreign Exchange at 866-868-4034.

Field Definitions

FIELD NAME FULL FIELD NAME EXAMPLE MANDATORY FIELD FIELD COMMENTS

Type Type Fed

Int

Book

IRT

Mandatory Field Choices:

Fed

Int

Book

IRT

TempID Template ID FedTempl1 Mandatory Field Supports leading zeros

Alphanumeric, supports leading zeros

Debit Account 3050116009 Mandatory Field Numeric, supports leading zeros

Amt Amount 555.55 Mandatory Field Numeric, supports digits after decimal

AmtType Amount Type Credit Optional for all wire types

Choice of “Debit,” “Credit,” or “blank” (defaults to “Credit”)

CrdCurr Credit Currency EUR Optional for all wire types

3-character currency code for non-USD international wires

SendDate Send Date 12/22/2009 Mandatory Field mm/dd/yyyy date format

ValueDate Value Date 12/22/2009 Required for International wires and IRTs only; optional for other wire types

mm/dd/yyyy date format

Contract# Contract Number 123456 Optional for all wire types

FX contract number for international wires in foreign currency debiting a USD account

FXDealRef FX Deal Reference 5648765 Optional for all wire types

Alphanumeric and special characters

InstructionsCode Instructions Code RTGS Required for IRTs only; optional for other wire types

Choice of “CMSW,”

“CMTO,” “RTGS,”

“CMZB,” “OTHR,”

“PHON,” or

“URGP,” “RTGS” is recommended

InstructionsDetails Instructions Details Real Time Settlement Optional for all wire types


BeneBankID Beneficiary Bank Swift/ ABA Number

Fed: 111101681

Int: TOSRGB21

Book: N/A

Mandatory Field Alphanumeric, show leading zeros

Alphanumeric, supports leading zeros

Beneficiary Account # 123456789 Mandatory Field Numeric, supports leading zeros

BeneName Beneficiary Account Name Bob's Account Mandatory Field Alphanumeric and special characters



BeneAdd1

BeneAdd2

BeneAdd3

Beneficiary Address (All) 123 Any St. Suite 100 San Diego, CA 92115

Optional for all wire types


BeneRef Beneficiary Reference PO12345 Optional for all wire types


CustomerRef Customer Reference MT101 Request Required for IRTs only; optional for other wire types


OBI1

OBI2

OBI3

OBI4

Originator to Beneficiary Information (All Four)

Invoice # 1623534 Optional for all wire types


Wire Import Field Definitions


PmtDetails Payment Details 1234-139A Required for International, Domestic, and Book Transfers; optional for IRTs

140 Alphanumeric and special characters

RegRptg1

RegRptg2

RegRptg3

Regulatory Reporting (All Three)

BENEFRES USA Optional for all wire types


OrigDrAcct# Originating Debit Account # 123456789 Originator info for FI clients (Travel rule)

Numeric, supports leading zeros

OrigName Originator Name Robert Originator info for FI clients (Travel rule)


OrigAdd1

OrigAdd2

OrigAdd3

Originator Address (All) 101 Elm St Suite 100 San Diego, CA 92108

OrigAdd1 and OrigAdd3 Originator info for FI clients (Travel rule)

OrigAdd2 Optional for all wire types


IntlFees International Fees Shared Required for International wires and IRTs only; optional for other wire types

Choice of: “Shared,” “Ours,” or “Beneficiary”

InterBank# Intermediary Bank Number 111000012 Optional for all wire types

Numeric, supports leading zeros

InterBankName Intermediary Bank Number Union Bank Optional for all wire types


InterMedAdd1

InterMedAdd2

InterMedAdd3

Intermediary Bank Address (All)

100 Elm St. Suite 2000 San Diego, CA, USA

Optional for all wire types



Comprehensive Field Definitions

Transfer and template data field definitions are listed in the order they appear on the entry screens. All fields are required unless noted otherwise.

FIELD AND DEFINITION INSTRUCTIONS

Debit Account (Credit Account for Drawdown): Union Bank account to use for the transfer

Select account from the drop-down list.

Note: The account selection list only shows your entitled accounts. Use preferences to display list in a different order and/or with different account names.

Amount: Amount to be transferred Enter amount (only numbers and decimals allowed).

Note: For International Wires, you can select an Amount Type of either Debit Amount reflecting the amount to be debited from your account or Credit Amount reflecting the amount to be credited to the beneficiary. The Debit Amount option can be used when you wish to specify the USD-equivalent amount of foreign currency to be sent to the beneficiary. The Credit Currency dropdown list is used to specify the currency in which the beneficiary receives the funds.

Send Date: Date the transfer is to be sent Enter date or click the calendar to select date.

Note: Transfers may be future-dated up to 30 bank business days, with the exception of Foreign Currency International Wires. (See Value Date for foreign currency rules.)

Value Date (International Wire): Date the funds are to settle at the beneficiary party's account

Enter date or click the calendar to select date.

Note: The default Value Date shown is based on the selected Send Date and Currency. Changes to this date must adhere to rules associated with both the currency and selected account. For example, the earliest Value Date for many currencies is 2 business days after the Send Date.

For foreign currency questions, contact Global Market at 866-868-4034.

Rate and Contract Number (Foreign Currency International Wire): Currency conversion information

To obtain a real-time rate quote:

• Click Get Rate. A rate displays in the Exchange Rate Information window.

• Click Accept Rate. Accepting the rate enters your company into a legally binding Foreign Exchange contract with Union Bank. Once accepted, the rate and affected data cannot be changed.

• The rate, contract number, and calculated Debit Amount display on your transfer entry screen.

To use an existing contract rate:

• Enter the rate.

• Enter the contract number. The calculated Debit Amount displays.

Beneficiary (or Debit Drawdown) Bank: Financial institution of the beneficiary (or drawdown) party's account.

Note: This section does not apply to Intra-Bank (Book) transfers since the beneficiary bank is Union Bank.

To search for a bank:

• Enter up to four characters of the ABA Number/SWIFT Code or Bank Name.

• Click Search for a list of matching banks.

• Click the bank from the list. The selected bank data displays on your transfer entry screen.

Beneficiary (or Drawdown) Party: Name and account number of the party receiving the funds (beneficiary) or having funds drawn (drawdown)

Enter Account Number.

Note: The account number for an International Wire must be in the proper format for the selected currency. If using an IBAN (International Bank Account Number), click View IBAN Formats for a list of accepted formats. Improper formatting may result in additional fees from downstream financial institutions.

Enter Account Name.

Enter Address fields (optional).

Beneficiary Reference (Domestic and International Wire): Reference information for the beneficiary

Enter up to 16 characters (optional) (ex: invoice #, etc.) for the benefit of the beneficiary.

Payment Details: Additional information for the beneficiary (or drawdown) party

Enter up to 140 characters (optional).

Note: Entry may be limited by template controls.


FIELD AND DEFINITION INSTRUCTIONS

International Fees (International Wire): Method for applying fees

Select method:

• Shared: Fees are shared between sending and receiving parties.• Ours (additional fees will be incurred): Fees are incurred by you (the sender).• Beneficiary: Fees are incurred by the beneficiary per prior mutual agreement

between parties.

Originator (if activated): Original party requesting the transfer.

Note: Original information is required to satisfy Travel Rule compliance for organizations sending wires on behalf of a third party. All fields (name of originator, address, and complete account number) are required under “Originator.”

Enter Debit Account Number.

Note: This is the third party's account number (not your Union Bank account).

Enter Name.

Enter Address 1.

Enter Address 2 (optional).

Enter City, State (and Country, if International Wire).

Intermediary Bank (Domestic and International Wire): Financial institution where the transfer will first be routed (if required by the beneficiary bank).

Note: Union Bank may opt to route the wire through an alternate intermediary bank to expedite processing.

To enter a Domestic Wire intermediary bank:

• Click Intermediary Bank (optional) to display entry fields.

• Enter up to four characters of the ABA Number/SWIFT Code or Bank Name.

• Click Search for a list of matching banks.

• Click the bank on the list. The selected bank data displays on your transfer entry screen.

To enter an International Wire intermediary bank:

Click Intermediary Bank (optional) to display entry fields.

Select the Type:

• Text: For free-form, input Bank Name, and Address fields only.• ABA: For a domestic bank selection.• SWIFT: For a foreign bank selection.

Enter Bank Name and Address (Text type) or search for a bank (ABA/SWIFT type).


user guide wire and internal transfers

Documents