User Guide 1.0 12/04 UserVersion Guide Version 2.0 08/07

ACH Direct

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Welcome to Key and thank you for choosing ACH Direct. This booklet will provide you with important information you need when using this service. Your Cash Management Sales Officer activated the following services on ACH Direct. Please review the appropriate sections within this booklet for each of the services checked below.

ˆ Online Control Totals ACH Originators submit file control totals online.

ˆ E-mail File Collection Alerts Real time e-mail notifications sent throughout the file collection process.

ˆ Online ACH Origination Calendars Submit your Origination calendars online using ACH Direct.

ˆ ACH Transaction and File Inquiry Through our Transaction and File Inquiry feature, you can either view the detail of ACH Origination files or query details of your received ACH transactions.

ˆ ACH Debit Protection through Electronic Payment Authorization (EPA) Protect your account against debit fraud by using our EPA service against unauthorized ACH transactions.

Once again, thank you choosing Key Bank.

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Contents 1. Section One: Introduction to ACH Direct 1.1 Overview of ACH Direct .............................................................................4 1.2 ACH Direct e-mail Notifications .................................................................5 1.3 Storage of Notifications ...............................................................................6 1.4 Timing of Notifications and System Availability ........................................6 1.5 Getting Started on ACH Direct ....................................................................7 1.6 Navigational Tips for ACH Direct ...............................................................8 1.7 Need Help? Find out who to call and where to go ......................................8 1.8 In case the system is unavailable ..................................................................8

2. Section Two: Introduction to ACH Direct 2.1

Electronic Payment Authorization (EPA) Overview of Service .................9

2.2

Electronic Payment Authorization (EPA) Notification Overview ............10

2.3

Electronic Payment Authorization (EPA) Functional Overview ..............12

2.4 ACH Transaction and File Inquiry Overview of Service ………….….....16 2.5

Using ACH Transaction and File Inquiry Functional Instructions ...........17

2.6

E-mail File Collection Alerts Overview of Service ..................................24

2.7

E-mail File Collection Alerts Notification Overview ................................24

2.8

Control Totals Overview of Service .........................................................25

2.9

Control Totals Notification Overview .......................................................25

2.10 Using Control Totals Functional Instructions ..........................................26 2.11 Online ACH Origination Calendars Overview of Service ........................29 2.12 Online ACH Origination Calendars Notification Overview ....................29 2.13 Online ACH Origination Calendars Functional Instructions ...................30

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1.1 Overview of ACH Direct ACH Direct is comprised of five functional modules allowing real time functionality with Key’s ACH system. The modules include: •

Online Control Totals ACH Originators can submit file control totals online, allowing you to add, view, modify or delete totals for originated files, replacing phone initiation.

•

E-mail File Collection Alerts E-mail Notifications for ACH Originators throughout the file collection stages, including arrival and collection.

•

Online ACH Origination Calendars Submit your yearly Origination calendars online instead of paper calendars.

•

ACH Transaction and File Inquiry Through our Transaction and File Inquiry feature, you can either view the detail of their ACH Origination files or query details of your received ACH transactions.

•

ACH Debit Protection through Electronic Payment Authorization (EPA) Protect your account against electronic debit fraud by using our EPA service. EPA allows you to exercise more control over which entries are allowed to post to your accounts by limiting the transactions to only those that have been authorized. Choose to block all debit activity or establish and maintain authorization records to allow certain trading partners to debit your account.

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1.2 ACH Direct e-mail Notifications With the exception of ACH Transaction Query module through our warehouse functionality, you will receive event triggered email notifications. Each notification type is assigned a number making it easy for you to identify the type of notification and any action required. Sample subject line on email notification would be as follows: F800 ACH Direct Notification The number after the “F” above details the notification type. Look within the specific module overview to gain an understanding of the notifications available within each of the modules. Sample e-mail notification----Original Message----From: [email protected] [mailto:[email protected]] Sent: Tuesday, August 10, 2004 1:01PM To: [email protected] Subject: F800 ACH Direct Notification F800 Normal Arrival The ACH file has been received by KeyBank and will be processed in the nextavailable collection cycle. File Header Originator ID / Name: 12345678 – ABC COMPANY Processor ID / Name:

041001039 - KEY BANK

File Creation Date / Time: 08/10/04 - 12:39 File ID Modifier: 0 File Trailer Totals Entry/Addenda Count: 215 Total Credit Amount:108468.70 Total Debit Amount:108468.70 Please call ACH Operations at 1-800-304-9856 for any questions related to notification. Please do not send e-mails to nor reply to the e-mailbox from which this message was sent. Incoming e-mail to this address is not monitored nor read. For inquiries, please contact ACH Operations @ 800-304-9856. This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information. If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide services requested by Key.

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1.3 Storage of Notifications Given the sensitive nature of the information contained within these notifications such as account numbers, routing numbers, etc. it is recommended that any printing and storage is secured.

1.4 Timing of Notifications and System Availability ACH Direct Availability Schedule Available 8 AM – 11 PM ET.Look for specific deadlines below. All days referenced below are business days, Monday thru Friday, excluding holidays.

ACH Direct Notification Timing Notification Timing

Deadlines

Electronic Payment Authorization

Notifications are sent daily when event occurs. Key processes and sends ACH received information four times during the day. The number of items received against your account will ultimately determine the number of times a notification is received.

Decisioning of items must be completed before 4:00PM EST from published return date.

ACH Transaction Query (Warehouse) E-mail File Collection Alerts Control Totals

Not applicable.

Not applicable.

Notifications are sent upon originated file arrival and/or collection.

Not applicable, informational emails only.

Notifications are sent daily upon arrival and collection of file.

Origination Calendar

October-November Timeframe

Control Totals must be sent prior to transmission. Must complete calendar before year end.

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1.5 Getting Started on ACH Direct ACH Direct provides added security. For Existing Key Total Treasury (KTT) clients your KTT sign-on will not give you access to ACH Direct. Password and log in information will be mailed to your location.

Implementation Expectations Existing Key Total Treasury Clients Timeline

What you should expect

2-3 days from receipt of this packet

For EPA Clients Only: Receive a Welcome e-mail

What you should do The day ACH Operations completes your EPA set-up, you will receive an e-mail communication to all e-mail recipients within ACH Direct.

New Clients What you should expect

What you should do

For EPA Clients Only: Receive a Welcome e-mail

The day ACH Operations completes your EPA set-up, you will receive an e-mail communication to all e-mail recipients within ACH Direct. Look to the instructions on the email. This is an interim step that will allow you to pay/reject items until you receive your passwords.

Look to the instructions on the email. This is an interim step that will allow you to pay/reject items until you receive your passwords.

5-7 days from receipt of this packet

Receipt of ACH Direct Password

Once you receive your passwords on KTT follow the instructions contained within your welcome packet; look below for more information.

Receipt of KTT Password and ACH Direct Password

Once you receive your passwords on KTT follow the instructions contained within your welcome packet; look below for more information.

Signing on to ACH Direct via Key Total Treasury for the first time Once you have received your log in information, it is recommended you complete the following steps the first time you log into ACH Direct via Key Total Treasury. Existing Key Total Treasury Clients Timeline

Complete the following

Helpful Hints

New Clients Complete the following

Helpful Hints

Step 1

Log in to KTT

• Log in using your current KTT user id and password.

Log in to KTT

Step 2

Log in to ACH Direct

• Using your temporary user id and password, log in to ACH Direct. • Enter the User Organization information exactly as it appears on your welcome letter (case sensitive, spaces included). • Be sure to change your password.

Log in to ACH Direct

Step 3

Any authorizations on your current EPA service will be listed on your ACH Direct EPA service, please review the authorizations for accuracy and make changes if needed

• For more information on viewing your authorizations, go to the Functionality Overview of EPA.

Any authorizations on your current EPA service will be listed on your ACH Direct EPA service, please review the authorizations for accuracy and make changes if needed

If you are a current EPA client

• Using your temporary user id and password, log into Key Total Treasury. • Using your temporary user id and password, log in to ACH Direct. • Enter the User Organization information exactly as it appears on your welcome letter (case sensitive, spaces included). • Be sure to change your password. • For more information on viewing your authorizations, go to the Functionality Overview of EPA.

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1.6 Navigational Tips for ACH Direct • Do not use the BACK button on your browser • Use the links at the bottom left-hand side of the page to navigate through ACH Direct

1.7 Need Help? Find out who to call and where to go Customer Service Area KTT Internet Support

Phone Number 1-800-539-9039

ACH Customer Service

1-800-304-9856

For additional copies of this toolkit, go to: www.key.com/cashmanagement

1.8 In case the system is unavailable Any issues with ACH Direct, please call KTT Internet Support.

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2.1 Electronic Payment Authorization (EPA) Overview of Service Overview of Service Electronic Payment Authorization through ACH Direct is comprised of two components: 1. Notifications sent to each company associate designated during set-up alerting them of events 2. A web-based portal through Key Total Treasury allowing you to decision pending items, input authorizations and query authorization records. The default for Electronic Payment Authorization is to “block all” ACH debits coming through the account. If there are trading partners who should debit the account, you inform Key through an authorization submitted online via ACH Direct.

Typical Day-to-Day Operations The following diagram highlights what a typical day could look like. AM

AM 1. Key Bank receives Federal Reserve file detailing ACH transaction.

AM Bank of originating company receives return for the ACH transaction.

2. ACH Direct sends notification regarding ACH transaction. PM ACH Originating Company sends file to their financial institution for processing an ACH transaction.

PM 1. Log in to ACH Direct and decision transaction, decisioning ACH prior to the return date listed on the notification. 2. ACH Direct sends notification to Federal Reserve of rejected items.

Wednesday

Thursday

Friday

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2.2 Electronic Payment Authorization (EPA) Notification Overview Sample Notifications for Electronic Payment Authorization Number

Standard Notifications

Notification

Action Required

100

The following ACH transaction was authorized during the last collection cycle and will be posted to the designated account.

No action required, informational email.

303

Maintenance was performed to the following electronic authorization record by the processing institution KeyBank personnel:

Review the parameters to ensure accuracy. This notice is generated anytime Key ADDS a request.

ACH transactions paid through authorization

Note: It may be desirable to review this authorization record to ensure the authorization parameters meet your requirements 304

305

Maintenance Notifications 501

502

Maintenance was performed to the following electronic authorization record by the processing institution KeyBank personnel: Note: It may be desirable to review this authorization record to ensure the authorization parameters meet your requirements Maintenance was performed to the following electronic authorization record by the processing institution KeyBank personnel: Note: It may be desirable to review this authorization record to ensure the authorization parameters meet your requirements The pending maintenance request has been processed successfully for the following Authorization record: The pending maintenance request has been processed successfully for the following Authorization record:

Review the parameters to ensure accuracy. This notice is generated anytime Key DELETES an authorization Review the parameters to ensure accuracy. This notice is generated anytime Key UPDATES an authorization Review the parameters to ensure accuracy. Review the parameters to ensure accuracy.

During this processing cycle, the ‘Number of Authorizations’ parameter was impacted. This pending maintenance request has changed the ‘Number of Authorizations’ Please review the following information to ensure the ‘Number of Authorizations parameter still meets the requirements

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Number

Notification

Action Required

101

The following ACH transaction was rejected during the last collection cycle and will be returned if no action is taken by 4:00 pm ET on the date referenced below. • The transaction rejected due to the fact that no authorization record was located. • To accept or refuse this transaction, access the EPA REJECT DECISIONING option. • If no action is taken on this reject, it will be returned on the following date: MM/DD/YY

Log in to ACH Direct and decision items

102

The following ACH transaction was rejected during the last collection cycle and will be returned if no action is taken by 4:00 pm ET on the date referenced below. • The transaction rejected due to the fact that the authorization on file matching this transaction was not qualified. • To accept or refuse this transaction, access the EPA REJECT DECISIONING option. • If no action is taken on this reject, it will be returned on the following date: MM/DD/YY The following ACH transaction was rejected for a missing or unqualified authorization record and was subsequently APPROVED via the Reject Decisioning feature.

Log in to ACH Direct and decision items

201

No action required, informational email.

This transaction will be posted to the account identified below.

Pending Notifications

202

The following ACH transaction was rejected for a missing or unqualified authorization record and was subsequently REFUSED via the Reject Decisioning feature.

No action required, informational email.

This transaction is being returned to the originating company.

203

The following ACH transaction was rejected for a missing or unqualified authorization record.

No action required, informational email.

No decisioning action was taken on this item. However, prior to returning the item, an authorization was located that authorized the transaction.

204

This transaction will be posted to the account identified below. The following ACH transaction was previously rejected for a missing or unqualified authorization record.

No action required, informational email.

No decisioning action was taken on this item.

301 302

This transaction is being returned to the originating company. The PENDING Reject Decisioning action has been processed and accepted for the following rejected transaction: The PENDING Reject Decisioning action has been declined for the transaction detailed below.

No action required, informational email. No action required, informational email.

The transaction was processed during this collection cycle and therefore the pending action could not be applied.

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2.3 Electronic Payment Authorization (EPA) Functional Overview Entering EPA 1. From ACH Direct Main Menu, click on EPA 2. EPA Main Menu contains the following functions: •

EPA Add – Used to add authorizations to your service. These are partners you are authorizing to debit your account.

•

EPA Authorization Search – Used to search for authorizations already on the system.

•

Reject Decisioning – Used to decision items, i.e. pay, reject items.

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EPA Add (Adding an Authorization) The account number selected will be displayed at the top of the page for informational purposes only. 1. The following data must be entered on the add page: Number of Transactions to be Accepted with this Authorization •

Single Use – To authorize only a single transaction, this value should be set to 001.

•

Specific Number of Transactions – Enter the specific number of Transactions that should be authorized. For example, if the user wants to authorize ten transactions, this value should be set to 010.

•

Unlimited – To indicate that an unlimited number of transactions should be authorized, this value should be left blank.

Transaction Type: Debit. Authorization Date Range (Begin Date): The date the authorization will become active. Authorization Date Range (End Date): The date the authorization record will expire or will be considered inactive. Note: If no expiration, type in 12/31/2099. Maximum Amount: The maximum amount of the transaction(s) that can be authorized using this authorization record. Specific Amount: The specific amount of the transaction(s) that can be authorized using this authorization record. # of Transactions: The number of transactions that can be authorized with this authorization record. Company ID: The company id of the entity originating the payment. Reference Number: Optional, reference number to be contained within the individual id field of the incoming transaction detail record. 2. Click Submit.

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EPA Search Note:

If you are an existing Electronic Payment Authorization client, be sure to verify the accuracy of these authorizations.

1. The following search criteria is available: •

Company ID

•

Reference Number

•

Begin Date (range)

•

Expiration Date (range)

•

Max Amount or Specific Amount

•

Number of transactions remaining that can be authorized

2. Once any desired search delimiters have been entered, click on the Search button.

Authorization Change/Delete Once you have completed an authorization search, you are able to delete and/or modify these records.

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Reject Decisioning Once you have received an e-mail notification regarding a pending entry, you can log into ACH Direct and perform a decision on the item. You have three options: •

Accept—allows entry to post to account

•

Refuse—item will be returned

•

Pending—decision not known at this time. You have until 4:00 P.M (EST) of the return date listed on the email notification. Note: If pending items are not decisioned, they will be returned.

Some important tips regarding decisioning •

It is important to note that any changes or additions to authorization records made during the acceptance session will only impact future transactions.

•

Decisioning can only be performed until the item has been recollected, i.e the return date.

•

When selecting “Accept”, you are indicating the item should be allowed to post and will not look for or use any existing authorization records.

•

During the acceptance process, you will be given the option to view (and potentially change) an existing authorization record (if one was present) to determine why the item rejected and make any appropriate modifications to allow future transactions to post.

•

If the detail item rejected because no authorization record was located, you will be given the option to add an authorization record so that future transactions will not reject.

•

If you determine the entry should be returned, select the REFUSE option and the item will be recollected and returned on its effective date (or on the following day if collected on the Effective Date).

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2.4 ACH Transaction and File Inquiry Overview of Service Overview of Service You can query ACH transactions via our warehouse functionality. For ACH Originators, you can view status of files, batches, and detail transaction information. For receivers of ACH transactions, you will be able to view the detail of the individual transaction. You can view the following information: 1. Originator Browse – Used by ACH Originators to view files sent. 2. Originator by Account Number – Used by ACH Originators to view originated information. 3. Receiver by Account Number – Used by ACH Receivers to view information for ACH received. There are no e-mail notifications for this module.

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2.5 Using ACH Transaction and File Inquiry Functional Instructions Entering ACH Transaction Query (Warehouse) 1. From ACH Direct Main Menu, click on Warehouse. 2. Warehouse Main Menu contains the following functions: •

Originator Browse – Option is used by an ACH Originator to browse their file, batch, and detail information without necessarily looking for a specific transaction.

•

Originator by Account Number – Option is used by ACH Originators where the account number is known.

•

Receiver by Account Number – Option is used by receivers of ACH transactions.

3. Within browse functionality, you have the ability to drill down to the addenda detail of an originated or received ACH transaction. This information is contained at the detail level for each individual transaction.

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Originator Browse (Search) This option can be used by an ACH Originator to browse their file, batch, and detail information without necessarily looking for a specific transaction. For each level, the information can be scrubbed further using specific search criteria. The table below highlights the type of information contained in each level. For each detailed information record, you are able to perform searches on items designated by an asterisk (*). 1.

Click on Originator Browse

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2. Using the table below as a guide, select delimiter search information (items with an *). This table highlights the type of information contained in each level. Search options prior to entering file information. Application Name: Application the user wishes to browse for data. By default, the ALL option will be highlighted. Date File Processed: fields are used to enter the specific date (or range of dates) a file was processed. Only files on the warehouse that were collected on the date (or date range) entered will be displayed. File Status: drop down box is used to select either all files, or all files with a particular status. File Immediate Destination: Processing Bank Routing Number. Immediate Destination Name: Processing Bank Name. Immediate Origin: ACH Originator number, e.g. company tax id number.

Detail * Transaction Type: Debit or credit. * Transit Routing Number: Receivers routing number.

* Company Name: Originating Company Name.

* Account Number: Receivers account number.

* Company ID: Company ID assigned to client.

* Dollar Amount: Amount of individual item.

Immediate Origin Name: Name of ACH Originator.

* Entry Description: File entry description, i.e. payroll.

File Creation Date: Date of file creation.

* SEC Code: Standard Entry Class Code for File, i.e. PPD, CCD, etc.

File Creation Time: Time of file creation. File ID Modifier: Alphanumeric character used to uniquely identify multiple files created on the same day. Entry/Addenda Count: Count of entries and addenda.

Information Detail

Batch * Batch Number: Number assigned by Originating company.

Total Credit Amount: Dollar amount of credits. Total Debit Amount: Dollar amount of debits. * Date Processed by PEP+: Date processed by Key’s ACH System. Time Processed by PEP+: Date processed by Key’s ACH System. File Number: Unique identifier assigned by Key’s ACH System. * Status: File status, including delete, normal, suspended, rejected.

* Effective Date: Date file is effective for settlement * Date Processed: Date batch processed through Key’s ACH System. * Time Processed: Time batch processed through Key’s ACH System. Status: File status, including delete, normal, suspended, rejected.

* $ Amount Relation: Anywhere or Exactly. * Individual ID: Identification number entered by originator. * ID Relation: Anywhere or Exactly. * Individual Name: Name of receiver. * Discretionary Data: Optional data input by originator. Transaction Code: Standard ACH Transaction code for debits or credits. Original Account No: Account number of receiver. Original T/R Number: Routing number for receiver’s account.

* Credit amount: Total credit amount for batch.

Date Collected: Date Key’s ACH System collected item.

* Debit Amount: Total debit amount for batch.

Time Collected: Time Key’s ACH System collected item.

* Entry Addenda: Number of addenda records for this batch.

Date Distributed: Date Key’s ACH System distributed item to Fed.

* Count: Number of entries for this batch. * Hash Total: Used to validate numbers; usually routing number.

Time Distributed: Time Key’s ACH System distributed item to Fed. Scheduled Dist. Date: Date item is scheduled for distribution. Scheduled Dist Time: Time item is scheduled for distribution. PAR#: Assigned by Key’s ACH System. Addenda Record Detail: Addenda string information

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Originator by Account Number (Search) ACH Originators can use this option if the account number is known. 1. Click on Originator by Account Number

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2. Using the table below as a guide, select delimiter search information (items with an *). This table highlights the type of information contained in each level.

Search options prior to entering file information Application Name: Application the user wishes to browse for data. By default, the ALL option will be highlighted. Account Number: Account Number. Account Search Options * Company Name: Originating Company Name.

Detail Company Name: Originating Company Name.

* Company ID: Company ID assigned to client.

Company ID: Company ID assigned to client.

* SEC Code: Standard Entry Class Code for File, i.e. PPD, CCD, etc.

SEC Code: Standard Entry Class Code for File, i.e. PPD, CCD, etc.

* Entry Description: File entry description, i.e. payroll.

Entry Description: File entry description, i.e. payroll.

* Effective Date: Date file is effective for settlement.

Transaction Type: Debit or credit.

* Transaction Type: Debit or credit.

Information Detail

Effective Date: Date file is effective for settlement. Transit Routing Number: Receivers routing number. Account Number: Receivers account number.

* Transit Routing Number: Receivers routing number.

Dollar Amount: Amount of individual item.

* Discretionary Data: Optional data input by originator.

Individual ID: Identification number entered by originator.

* Dollar Amount: Amount of individual item.

Individual Name: Name of receiver.

* $ Amount Relation: Anywhere or Exactly.

Discretionary Data: Optional data input by originator.

* Individual ID: Identification number entered by originator.

Original Account No: Account number of receiver

* ID Relation: Anywhere or Exactly. * Individual Name: Name of receiver.

Original T/R Number: Routing number for receiver’s account. Date Collected: Date Key’s ACH System collected item. Time Collected: Time Key’s ACH System collected item. Date Distributed: Date Key’s ACH System distributed item to Fed. Time Distributed: Time Key’s ACH System distributed item to Fed. Scheduled Dist. Date: Date item is scheduled for distribution. Scheduled Dist Time: Time item is scheduled for distribution. PAR#: Assigned by Key’s ACH system. Addenda Record Detail: Addenda string information

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Receiver by Account Number Use this option to understand the detail behind ACH transactions received against your account. If you are an EPA client, this search will be beneficial in creating your authorization records. 1. Click on Originator by Account Number

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2. Using the table below as a guide, select delimiter search information (items with an *). This table highlights the type of information contained in each level. Search options prior to entering file information Account Number: Account Number of company Account Search Options * Company Name: Originating Company Name.

Detail Company Name: Originating Company Name.

* Company ID: Company ID assigned to client.

Company ID: Company ID assigned to client.

* SEC Code: Standard Entry Class Code for File, i.e. PPD, CCD, etc.

SEC Code: Standard Entry Class Code for File, i.e. PPD, CCD, etc.

* Entry Description: File entry description, i.e. payroll.

Entry Description: File entry description, i.e. payroll.

* Effective Date: Date file is effective for settlement. * Transaction Type: Debit or credit. * Transit Routing Number: Receivers routing number. * Discretionary Data: Optional data input by originator. * Dollar Amount: Amount of individual item. * $ Amount Relation: Anywhere or Exactly. * Individual ID: Identification number entered by originator. * ID Relation: Anywhere or Exactly. * Individual Name: Name of receiver.

Information Detail

Effective Date: Date file is effective for settlement. Transaction Type: Debit or credit. Transit Routing Number: Receivers routing number. Account Number: Receivers account number. Dollar Amount: Amount of individual item. Individual ID: Identification number entered by originator. Individual Name: Name of receiver. Discretionary Data: Optional data input by originator. Original Account No: Account number of receiver. Original T/R Number: Routing number for receiver’s account. Date Collected: Date Key’s ACH System collected item. Time Collected: Time Key’s ACH System collected item. Date Distributed: Date Key’s ACH System distributed item to Fed. Time Distributed: Time Key’s ACH System distributed item to Fed. Scheduled Dist. Date: Date item is scheduled for distribution. Scheduled Dist Time: Time item is scheduled for distribution. PAR#: Assigned by Key’s ACH System. Addenda Record Detail: Addenda string information.

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2.6 E-mail File Collection Alerts Overview of Service Overview of Service For ACH Originators, you can receive real time e-mail alerts regarding your ACH files processed.

2.7 E-mail File Collection Alerts Notification Overview Number 800 801 815 825

Notification The ACH file has been received by KeyBank and will be processed in the next available collection cycle. The ACH file has been received on or after 9:00 pm ET by KeyBank and may not be processed until the next business day. File has been processed successfully with no errors. Application has been processed successfully processed.

Action Required No action required. File arrived at will be processed at the next window. No action required. File missed the last late window and will be processed on the next business day window. No action required. Based on your set-up within Key’s ACH system, once file is processed, you will receive either notification 815 or 825. No action required. Based on your set-up within Key’s ACH system, once file is processed, you will receive either notification 815 or 825.

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2.8 Control Totals Overview of Service Overview of Service If you are an ACH Originator who sends your files via Direct Transmission or KTT File Transfer and are required to enter control totals, you can do so online through ACH Direct.

Instructions for Originators 1. Send your file via KTT File Transfer or direct transmission 2. Log in to KTT and input your control totals via ACH Direct

2.9 Control Totals Notification Overview Number 612 613

Notification The pending Control Total Deletion request has been declined The pending Control Total Modify request has been declined

Action Required Informational e-mail. The file already processed, control totals cannot be changed. Informational e-mail. The file already processed, control totals cannot be modified.

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2.10 Using Control Totals Functional Instructions Entering Control Totals 1. From ACH Direct Main Menu, click on Control Totals 2. Control Total Main Menu contains the following functions: •

Control Total Add – Used to add control totals. It is recommended that you add control totals prior to sending your file.

•

Control Total Search – Used to search and modify any control totals already entered

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Control Total Add Notes •

For whole amounts, enter the decimal point. For example, if 2500 is the desired amount, enter $2500.00 in the field.

•

If you are sending a file with the offset, enter both credit and debit amounts in the required fields. If Key Bank is generating the offset for the file, enter only the appropriate amount in either the debit or credit field.

•

When the Control Total Add request is processed, the Control Total Add Confirmation page will be displayed of the successful add and provide a Control Total Reference Number. You can print this page for your record, and record the time and date for your reference.

Required Fields 1. Credit Amount – Credit amount of file (or batches) being submitted (including decimal point). 2. Debit Amount – Debit amount of file (or batches) being submitted (including decimal point). 3. Entry Count or Entry/Addenda Count – Number of detail records or number of detail and addenda records on the file being submitted.

Optional Fields 1. File Id Modifier – File id modifier from file header. 2. Hash Total – Hash total of entries being submitted.

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Control Total Search You can specify search criteria on this page to limit the Control Total lookup. 1. The following fields can be used as search criteria for control total entries: •

Application Name : Show control total entries only for a specific application.

•

Date Range: date range during which the control total was added by the user.

•

Credit Amount: Credit amount of file (or batches).

•

Debit Amount: Debit amount of file (or batches).

•

Entry or Entry/Addenda Count: Entry count of file (or entry and addenda count).

•

File Id Modifier: File id modifier from file header.

•

Hash Total: hash total of file (or batches)

•

Control Total Reference Number: Specific reference number.

•

Control Total Status: Show all control totals with a specific status.

2. Click the Search button

Control Total Modify/Delete Once you have completed a control total search, you are able to delete and/or modify your control totals.

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2.11 Online ACH Origination Calendars Overview of Service Overview of Service For ACH Originators required to submit origination calendars, ACH Direct allows this functionality online, with automated email notifications every year around the October-November timeframe.

2.12 Online ACH Origination Calendars Notification Overview Notification

Origination Calendar Reminders

Action Required Update yearly calendar.

IT IS THAT TIME OF THE YEAR AGAIN! Please mark an X on your transmission dates on the 2005 ACH Origination Schedule for the following ACH Application: ABC Company

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2.13 Online ACH Origination Calendars Functional Instructions Schedule Search and Modify 1. Select the application name from the drop down box. 2. Select Year 3. Click Submit

4. Select and deselect days of the week for your calendar using your mouse. Once all days have been selected, type in description. 5. Click submit at the bottom of the page.

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