Business Online - Westpac

1 Your guide toBusiness Banking Online plus more ..Visit to get startedBusiness OnlineHow to get Business Online working for youIntroductionWith Business Online , the power of the Internet doesn t start and end with Online banking. In addition to one of Australia s most advanced and user-friendly Internet banking services, Business Online gives you access to downloadable financial tools and access to a wealth of independent and topical information that can help you manage your Business more efficiently than ever key is knowing how to make the most of it. This simple guide has been created to help you take full advantage of the useful features Business Online offers your Business including detailed demonstrations of popular and time-saving banking keep this guide handy. We hope you ll find it helpful in managing your day-to-day Business needs.| 2 |Why Business Online ? Business Online can help your Business in many ways. For example, you can: Do your banking when it suits you 24 hours a day, 7 days a week Keep track of your finances from your home or office computer Save up to 75% on day-to-day transaction fees each month Pay your staff, suppliers and bills with a few clicks of your mouse View and access non- Westpac accounts held at most Australian financial institutions Complete administration tasks Online via Online Self Serve Administration, updating user access levels or adding a new user to your service.

2 | 3 |The security of your Online transactions is our priorityInternet Banking is easy to use and convenient and you can rest assured that it s also a safe way to do Business . The latest 128-bit encryption technology ensures that no one can intercept your information. Your Online environment is as secure as a physical bank, so you can safely move money between your own accounts and make payments into other people s Online bank can also safely give your account number to others so they can pay you directly. They can put money into your account, but can t take it backs up all Internet Banking data on separate secure computers at different locations, so there s no risk of losing any transaction information. You re also protected by the sign out and timeout sign out button locks the door of your Internet bank it can t be opened again without your password. You should sign out at the end of every banking session, but this is particularly important if you are using a shared computer at work, a library or an internet caf.

3 The timeout feature closes your sessionif the computer is left idle for seven minutes. You ll need to resubmit your password in order to return to your Internet Banking you wish to make payments over your daily payment limit, the SecurID token authentication system can provide an extra level of of the most advanced Internet transaction security systems in the world, SecurID uses a security code generated by the SecurID token plus an individual token password known only to the user providing a greater level of protection than passwords tokens are available on application. If you would like to apply for a SecurID token, you can do this either Online via the Request Token option in Online Self Serve Administration or by visiting , select Sign in and the SecurID token link on the right hand code changes every 60 secondsWe recommend you access Business Online from a computer which has appropriate anti-virus and firewall protection. You ll find details on this and Westpac s commitment to Online security at You will also find more technical information under our security overview.

4 | 4 |Getting StartedWhen you sign in to Business Online , the first thing you will see is your Business Summary . Below you ll find handy tips for navigating from SCREEN ONLY| 5 |Handy tips for navigating 1 View messages relating to your Westpac accounts 2 Change your password and set up marketing preferences 3 Access to Online Self Service Administration to complete Online administration tasks on your service 4 Access Online Help 5 Switch between your personal and Business accounts 6 Online Broking and other services 7 Access banking services including Funds Transfer, Pay Anyone and BPAY 8 Credit check your customers Online 9 Apply Online for additional products and services 10 Change your statement options and personalise your accounts 11 A summary of all your Westpac accounts 12 A list of up to 20 pending payments including future-dated payments 13 View your superannuation accounts14 View your Westpac and non- Westpac accounts in one place15 Check the status of your recent application | 6 | Business Online offers all of the following banking features.

5 Account Services Transfer funds between your Westpac accounts Stop receiving paper statements on eligible accounts and view them Online Complete Administration tasks Make payments to accounts held at most Australian financial institutions Pay any bill displaying the BPAY logo Transfer funds overseas Pay the Australian Taxation Office (ATO) directly View a list of pending payments (including payments scheduled for future dates) Set up a periodic payment.| 7 |Banking features| 8 |SAMPLE SCREEN ONLYa. To access the Banking features from the summary page, simply select the feature from the drop down list and select Go .b. You can also access these options by selecting the Banking tab.| 9 |Customer ServiceUnder Banking, you can also update your email address to receive the latest Business Online Signatures If you have an account that requires more than one signature to authorise transactions, you can specify the names of users that may authorise the transactions when you apply for Business includes authorising payments through Funds Transfer, BPAY , Pay Anyone Import & Templates, Overseas Telegraphic Transfers, Tax Payments and Periodic Authority LevelsYour Business has the flexibility of having different access levels for each authorised user on specific accounts.

6 There are three types of access levels you can choose: Value, Non-value and No access. A Value User has transaction access and can authorise payments on specific accounts A Non-value User can create transactions and has view-only access to specific accounts No access excludes users from specific accounts. For example a user may have Value access on one account and no access on another. The level of user access is selected on your Business Online application, and can be amended later by either manual administration form, which is processed between 5 10 working days or you can complete the request via Online Self Serve Administration, where once the request has been submitted the change will be made within PaymentsIf you often make regular deposits to a savings or investment account, you can save time by setting up a periodic periodic payment feature is a convenient way to authorise the bank to make payments on your behalf for fixed amounts at regular fixed intervals.

7 Payments can be made from your bank accounts to most other financial institutions. Once the periodic payment is established, all you have to do is make sure there are enough funds in the account before the payment is set up a periodic payment, simply click on Periodic on the left-hand menu on the Banking and Importing filesWhy waste time re-keying details each time you pay staff and suppliers when you can simply import files from your accounting software into Business Online ? You can also export the transaction history of your cheque, savings, credit card and home loan accounts back into your accounting software one account at a software packages supported within the exporting feature are: Quicken , MS Money , MYOB , Cashflow Manager, AgriMaster and Excel . You can also use other packages that use qif, ofx or csv file formats. To export your transactions, simply click on the account name from your Accounts List and select Export from the top of the import a file, please refer to the step-by-step demonstration under the Import tab in this guide.

8 | 10 |How to Pay AnyoneThis section includes step-by-step demonstrations of our most popular and time-saving banking feature: Pay can make any payment at any time from your home or office using Pay Anyone when you have Internet access. For example, you can deposit payments directly into the bank accounts of your staff and suppliers. The following step-by-step scenario shows how easy it is to Pay work for Jones Realty and you need to pay $125 to a plumber. You have his banking details Account Name: Plumbing Power; BSB (Bank and Branch number): 032000; Account Number: 123456. | 11 |You begin by selecting Pay Anyone from the drop down list on the Business Online summary page then select Go . How to Pay Anyone| 12 |SAMPLE SCREEN ONLY| 13 |a. Select the account you are paying from. The payer name should automatically appear once the account is Type in your own description for the payment. c. Select the date the payment is to be 1. Pay SCREEN ONLY| 14 |a.

9 Type in the payee s account Type in the BSB and account Type in a description. d. Type in the amount you would like to Select Add to Payments List .f. Select Proceed .Step 2 and 3. Pay to .. and ProceedPlease note: After selecting Add to Payments List your payee details will appear in Step 3. Please repeat the instructions for Step 2, to make up to 50 payee payments in one SCREEN ONLYa. Confirm payment details are correct by checking the amount, BSB and account 4. Payment Confirmationb. Select Proceed with payment to continue if the information is correct or Modify to make any necessary changes.| 15 |SAMPLE SCREEN ONLY| 16 |Please note: If the status of your payment shows Partially Accepted or Partially Rejected, this is because the payment is being made to a non- Westpac account. Only payments to other Westpac accounts can be this scenario, the details appear in the Summary of Payments with a status of A (Accepted) as shown in the Status Code Meaning key at the bottom of the Payments History to viewa detailed summary of your 5.

10 Summary of PaymentsSAMPLE SCREEN ONLY| 17 |The Payment List shows a detailed summary of your transactions. To see credits paid in your payments, click on the payment 6. Payment ListTo view this demonstration Online , visit and select sign in . SAMPLE SCREEN ONLY| 18 |How to import files into Business OnlineIf you registered for Business Online with the purpose of having more than one account and more than one authorised user, you will have access to this feature as shown on the following screen. Rather than re-keying the same payment details each time, you can import a file from your accounting software package to pay staff and suppliers. The following step-by-step scenario shows how easy it is to import need to pay 78 creditors a total of $26, for March. The payment needs to be scheduled for a future date 11 M a r c h . You have a record of their account details within your accounting package and you have created a direct entry payment file.