ANZ TRANSACTIVE - MOBILE for iPhone, iPad and iPod touch

SIMPLIFYING AND CONNECTING YOUR TRANSACTION BANKING ACROSS AUSTRALIA AND NEW ZEALAND

USER GUIDEAUSTRALIA AND NEW ZEALAND

AUGUST 2013

VERSION 2.0

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TABLE OF CONTENTS

CONTENTSIntroduction 3

Getting Started 5

Getting Started - Administration 6

Downloading ANZ Transactive - Mobile 7

Logging onto ANZ Transactive - Mobile 8

Viewing Account & Transaction Information 9

Approving Payments 10

Viewing Payment Details 11

Rejecting a Payment 12

Releasing Payments 13

Signing & Releasing Payments 14

Get Rate 15

Linking Contacts & Initiating a Call 17

Mobile App Settings 18

Need More Help? 20

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INTRODUCTION

PURPOSEThis User Guide is designed to assist you with completing common tasks on the ANZ Transactive – Mobile App.

This guide will be updated with new functionality and information when necessary. Please ensure you regularly check the available version to ensure you have the most up-to-date copy.

ANZ TRANSACTIVE RESOURCE CENTRALAll ANZ Transactive - Mobile resources are available online to ensure that we are constantly providing you with the latest information.

Visit the Resource Central site directly (www.anz.com/ANZTransactiveResourceCentral) to access all the ANZ Transactive – Mobile resources including this User Guide, a Getting Started Guide, and Frequently Asked Questions (FAQs).

For easy access, make sure you save the page in your internet browser favourites.

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ABOUT ANZ TRANSACTIVE - MOBILE

WhAT IS ANZ TRANSACTIVE - MOBILE?ANZ has developed a Mobile App that seamlessly integrates with and acts as an extension of your ANZ Transactive web-based cash management solution.

With ANZ Transactive - Mobile you can:

> Log on with your ANZ Transactive User ID and password

> Monitor cash flow and manage your cash position

> Check real time account balances

> View current and prior day account transactions

> Approve and reject payments

> Securely release payments using a Pin Pad Security Token

> Obtain a Dynamic FX rate for cross currency payments using a Pin Pad Security Token, and

> Personalise your account display

SECURITYANZ employs a range of security measures including data and transport encryption, time-out safeguards, the ability to log out by simply selecting your home button and password lock- out (after 3 incorrect attempts).

SUPPORTED DEVICESANZ Transactive - Mobile is compatible with iPhone1, iPad1 and iPod touch1 mobile digital devices (running iOS version 4.3 or later).

1 iPhone, iPad and iPod touch are trademarks of Apple Inc

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GETTING STARTED

GETTING STARTEDTo use ANZ Transactive – Mobile on your mobile device, please ensure that:

> Your ANZ Transactive Administrator has enabled your User ID to access mobile functionality (Refer to the Administrators section below for further information).

> You know your ANZ Transactive:

> User Group

> User ID

> Password (see below)

If you are unaware of the above information, please check with your ANZ Transactive Administrator or contact the ANZ Transactive Helpdesk.

Password Only User

Enter the Password you normally use to access the ANZ Transactive web-based solution.

Smartcard or Smart USB Key User

Contact your ANZ Transactive Administrator to obtain a password.

Note: Your security device password cannot be used.

Pin Pad Security Token User

Enter the Token Password you normally use to access the ANZ Transactive web-based solution.

Note: This is not your One Time Password (OTP)

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GETTING STARTED - ADMINISTRATION

ADMINISTRATORS: ENABLING USER ACCESS TO ANZ TRANSACTIVE -MOBILETo enable mobile functionality for your Users, you will need to log into the web-based solution:

> Select Admin -> Users -> View -> Modify

> Select the User you wish to grant ANZ Transactive – Mobile access

Note: If a user holds a Smartcard or Smart USB key, you will need to create a new Password for the user, then confirm the New Password (See across for ANZ Transactive Password Standards).

> Tick the ‘Mobile’ check box and click ‘Update’

> A second Administrator will then need to approve these changes

Notes:

> Roles, entitlements and transaction limits within the Mobile App will directly reflect your ANZ Transactive web-based permissions.

> User access to the Mobile App can also be revoked leveraging the above process - select the User you wish to revoke access, uncheck the ‘Mobile’ checkbox and click ‘Update’.

ANZ TRANSACTIVE PASSWORD STANDARDS > Must be 8-16 characters long

> Must contain at least one character from three of the following categories:

> An uppercase letter

> A lowercase letter

> A number

> A non-alphabetic character (e.g. ! @ # $ % ^ & * ( _ + = [ /)

> Must not include three or more consecutive repeats of the same character (e.g. AAA, 666)

> Must not contain a repeating pattern in ascending or descending order (e.g. 123, abc, 765, gfe)

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DOwNLOADING ANZ TRANSACTIVE - MOBILE

DOWNLOADING ANZ TRANSACTIVE - MOBILE The ANZ Transactive - Mobile App is available for download from the App Store2.

To download the Mobile App to your mobile device:

> Select the ‘App Store’ icon from your mobile device

> Select the ‘Search’ option from the menu located at the bottom of the screen

> Search for ‘ANZ Transactive’3

> The search results will return the ‘ANZ Transactive’ App (provided by ‘ANZ Banking Group Limited’)

> Select the ‘ANZ Transactive’ App

> Select the ‘Free’ button and then the ‘Install App’ button to proceed with the download

> You may be prompted to enter you Apple ID password to complete the download4

> Once complete, the ‘Transactive’ App will appear on your Apple Home screen

2 App Store is a service mark of Apple Inc.3 The ANZ Transactive - Mobile App will only be available in the Australian and New Zealand App Stores. As such, you will require an Australian or New Zealand Apple ID.4 Please note that in downloading and using the Mobile App, you may be subject to your relevant mobile data-usage plan stipulated by your mobile telecommunications provider. In turn, any potential charges in this regard are solely your responsibility

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LOGGING ONTO ANZ TRANSACTIVE - MOBILE

LOGGING ONTO ANZ TRANSACTIVE - MOBILE:Before proceeding, please ensure you have read the ‘Getting Started’ section of this User Guide.

> To logon to the ANZ Transactive - Mobile App, initially, you will need to enter your User Group, User ID and your associated Password.

You will also be required to select whether you are a Token User prior to tapping the ‘Log on’ button.

Note: A Pin Pad Security Token will be required to release payments and obtain an FX rate for cross currency payments.

> If you have been granted a new password by your ANZ Transactive Administrator, you must first log onto ANZ Transactive via the web-based solution to change your initial password. The new password can then be used to log into the Mobile App.

Note: When your password expires you will need to change it by logging onto the ANZ Transactive web-based solution.

> Once you have entered your details successfully, you will only be requested to enter your password in future when you return to the Mobile App.

SWITCh USER > Multiple Users are able to logon to ANZ Transactive - Mobile via the same device.

> Simply select the ‘Switch User’ button to return to the initial Registration screen.

> Another User can then logon with their User Group, User ID and Password.

Registration Screen

Subsequent Logon Screen

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VIEwING ACCOUNT & TRANSACTION INFORMATION

VIEWING ACCOUNT BALANCES AND TRANSACTIONS:

> Once you log on to ANZ Transactive - Mobile, select the ‘Accounts’ tab from the menu at the bottom of the screen.

> This screen will display a list of your accounts and their associated balance, grouped by currency.

> Select an account to view further account information.

> You can then select to view the account’s ‘Current Day Transactions’ or ‘Prior Day Transactions’.

Notes:

> The Accounts screen will initially display 10 accounts. Scroll down to continue loading the subsequent accounts.

> Some account balances may appear blank if the balance is not available.

> Current day and Prior day transactions will each display up to 200 transactions.

> You can personalise the accounts that appear on your Accounts screen via the ‘Settings’ tab. Refer to the ‘Mobile App Settings’ section in this User Guide for further instructions.

Accounts Screen

Account Details

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APPROVING PAyMENTS

APPROVING A PAYMENT > When logged on to the Mobile App, select the ‘Approvals’ tab at the bottom of the screen.

> A list of payments that you are entitled to approve are displayed, grouped by payment type.

Notes: This screen will display the latest 100 payments awaiting approval. The amount shown for AU Domestic mixed batches will be the NET amount – select the payment to view the detail of the credit and debit value.

> To view payment details for a specific payment you need to select the payment.

> Select the check box next to each payment you wish to approve, and select the ‘Approve’ button at the top of the screen.

Note: You can approve multiple payments at once.

> An approval confirmation message will be displayed. Select ‘Yes’ to confirm the approval of the payments.

APPROVAL RESULTS SCREEN > The Approval Results screen will appear confirming the payment’s status.

The various status categories include:

Approved: Payment has been successfully approved. Once approved, the payment will disappear from the Approvals screen.

Warning: This category will appear for payments that require your additional approval.

If you choose not to proceed with the additional approval, the payment will return to the Approvals list in an unapproved state.

Failed: This will occur if there is an issue approving the payment. The payment will return to the Approvals list in an unapproved state.

Payment Approval list

Approval Results screen

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VIEwING PAyMENT DETAILS

VIEWING PAYMENT DETAILS > You can view payment details for a payment from either the ‘Approvals’, ‘Releases’ or ‘Rates’ screens.

> Once you locate and select the payment, the relevant details will then be displayed.

> To view details of the payees/beneficiary, select ‘Payees’ or ‘Beneficiary’.

Note: This button label will change depending on the payment type.

> To view who has created, modified or approved the payment, you can select ‘Audit History’ by scrolling down.

> You can also approve a payment from within this Payment Details screen by:

> Tapping on the ‘Approve’ button at the top of the screen.

> An approval confirmation message will be displayed. Select ‘Yes’ to confirm the approval of the payment.

AU Domestic Payment

Payees

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REjECTING A PAyMENT

REjECTING A PAYMENT > To reject a payment you will need to select the ‘Approvals’ tab from the bottom of the screen and locate the payment you wish to reject.

> Once in the required payment, select “Other Actions…” and then the “Reject” button.

> You will then be prompted to choose a predefined reason for rejecting the payment (e.g. Duplicate Entry). Alternatively you can specify a custom reason for rejecting the payment, by selecting the ‘Other Reason’ button.

REjECTION RESULTS SCREEN > The Rejection Results screen will appear after rejecting the payment to confirm the payment status.

> The various status categories include:

Rejected: Payment has been successfully rejected. Once rejected, the payment will disappear from the Approvals screen.

Failed: This will occur if there was an issue rejecting the payment The payment will return to the Approvals list in an unapproved state.

Rejecting a Payment

Rejection Results Screen

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RELEASING PAyMENTS

VIEW PAYMENTS AWAITING RELEASE > When logged on to the Mobile App, select the ‘Releases’ tab at the bottom of the screen.

> This will display all payments that you are eligible to release.

Note: You can view the payment details and associated audit history prior to releasing, by selecting a payment.

> Select the check box next to each payment you wish to release, and tap the ‘Release’ button at the top of the screen. You are able to release multiple payments at once.

Note: The ‘Releases’ tab will only be visible to users who have logged on as a Token User and are entitled to Release payments.

RELEASE VALIDATION > When you select the ‘Release’ button, the selected payments will be validated and you will be presented with an interim validation screen.

> This will display a summary of the payments and will advise you of any payments requiring additional acceptance (i.e. acknowledge a Late lodgment fee etc.).

Note: Only payments with warning messages will need a further acknowledgement from the user in order for them to carry forward to the signing stage. i.e. Payments in the Signature Required status will automatically carry forward to the signing screen.

> Tap the ‘Sign’ button at the top of the screen to sign all visible payments.

Payment Release list

Release Validation list

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SIGNING & RELEASING PAyMENTS

SIGNING PAYMENT > Once tapping the ‘Sign’ button on the previous page, the Mobile App will display a list of all the payments you selected to release with the associated payment details.

> You will then be required to enter a Token Signature. This field will be located below the payment summary on the same screen.

> Enter the Token Entry value into your ANZ Security Token device, to obtain the Token Signature (following the instructions on the screen). The signature generated on your ANZ Token will then need to be entered into the ‘Token Signature’ field on the Mobile App.

> Tap the ‘Submit’ button to release the payment for processing.

Note: You have 60 seconds to perform this step after the Token Signature has been generated by the token.

RELEASE PAYMENT > Once the payment has passed signing, a confirmation screen will be displayed advising if the payments were successfully released to ANZ for processing.

Note: If the payment is cross-currency, an exchange rate is required (see the Get Rate process).

Payment Signing

Payments Released

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GET RATE

ACCESSING ThE RATES SCREEN > When logged into the Mobile App, select the ‘Rates’ tab at the bottom of the screen.

> Your One Time Password (OTP) will be requested. Follow the instructions on the screen to generate your OTP.

Notes: You have 60 seconds to perform this step after the OTP has been generated by the token.

The ‘Rates’ tab will only be visible to users who have logged on as a Token User and are entitled to ‘Get Rate’ functionality.

VIEW PAYMENTS AWAITING A RATE > After entering your OTP, the Mobile App will display all the eligible payments awaiting an FX Rate.

> Payments awaiting a rate will be grouped by currency pair.

> The amount displayed will be the value that ‘needs a rate’ (not the full payment amount).

> You can select a payment to view the payment details prior to obtaining a rate.

Note: You cannot request a rate from this screen; you must select a payment first.

Rates

Payments Awaiting Rates

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GET RATE (CONTINUED)

PAYMENT DETAILS > For payments requiring an FX rate, you will be able to view the ‘Total Payment Amount’ along with the ‘Amount Requiring a Rate’.

> You can request a dynamic rate for the payment from this screen by tapping the ‘Get Rate’ button.

Note: You can only request an FX rate for one payment at a time.

REqUEST A RATE > Once you select to ‘Get a Rate’ for a particular payment, the dynamic rate will be displayed.

> You will have the option to ‘Trade’ or let the quote time out.

> To accept the rate you will need to tap on the ‘Trade’ button at the top of the screen. Once complete, you will be presented with a confirmation message.

> If successful, the payment will then be removed from the list of payments displayed on the ‘Rates’ screen.

If you wish to view the payment after this, you will need to log into the web-based solution.

Rates

Trade Rate

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LINkING CONTACTS & INITIATING A CALL

LINKING A CONTACT / INITIATING A CALLYou are able to associate other ANZ Transactive Users to phone contacts stored on your mobile device.

This allows you to initiate a call to the ANZ Transactive User from within the Mobile App5.

> When viewing the Audit History of a payment, select the ‘+ Contact’ button next to the User you wish to link to your address book.

> Locate and select the contact from your address book.

> Once linked, the ‘+ Contact’ button will automatically change into a ‘Call’ button.

> To initiate a call to the contact, tap the ‘Call’ button.

> A confirmation message will appear displaying the phone number you are about to dial.

> Select ‘Yes’ to proceed with making the call, or the ‘No’ button to return to the previous screen.

Notes:

While the Mobile App provides the ability to integrate with your Contacts stored on your device, ANZ will not in any way access or store your Address Book information.

Making a call from within the Mobile App will terminate your App session. You will be required to authenticate yourself again when you return to the Mobile App.

5 The calling feature is only supported on iPhone devices

Payment History

Making a Call

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MOBILE APP SETTINGS

SETTINGSTo access the App settings, select the “Settings” tab at the bottom of the screen. You will then be able to:

> Configure which accounts display in your Accounts list,

> Manage your linked contacts,

> Formally log out of the Mobile App, and

> Bring up the quick reference guide.

Note:

By accessing the quick reference guide, your application session will terminate and you will be required to log back in.

The link to the quick reference guide is also available on the Mobile App login page.

Pressing your ‘Home’ button on your device will exit the Mobile App. Similarly, backgrounding the application will also securely log you out.

CONFIGURE ACCOUNTS LISTThe ANZ Transactive - Mobile App allows you to personalise which accounts appear on the Accounts screen.

> From the ‘Settings’ menu, select ‘Configure Accounts List’.

> This will display a list of the accounts you are entitled to view, in alphabetical order.

> Select the accounts you wish to display by ticking the check box next to the account.

> Tap the ‘Save’ button at the top of the screen to update the changes.

Settings

Configure Account List Screen

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MOBILE APP SETTINGS (CONT’D)

MANAGE LINKED CONTACTSThe Mobile App allows you to associate other ANZ Transactive Users to phone contacts stored on your mobile device. (Refer to the ‘Linking Contacts’ section for further information)

Once contacts are linked to your address book, you can manage and unlink contacts. To do this:

> From the ‘Settings’ menu select ‘Linked Contacts’.

> This will display a list of contacts that you have already linked in the Mobile App.

> To unlink a contact, simply select the ‘Unlink’ button next to the contact name.

> The unlink button will automatically change to the ‘+ Contact’ button.

Note:

You can elect to link this contact again by selecting the ‘+ Contact’ button and selecting a contact from your address book.

Linked Contacts

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NEED MORE hELP?If you have additional queries, please refer to the ANZ Transactive - Mobile FAQ’s located via www.anz.com//ANZTransactiveResourceCentral

Alternatively, for further assistance please contact:

> Australia

133 199 between 7am - 7pm Melbourne Time.

> New Zealand

0800 800 760 between 7:30am and 7pm New Zealand Time.

> International

+613 9601 1200 between 7am - 7pm Melbourne Time.

NEED MORE HELP?

OPEN SOURCE SOFTWARE

The ANZ Transactive – Mobile App contains open source code and ANZ is required to restate the following in relation to the relevant open source code:

Copyright (C) 2007-2011 Stig Brautaset. All rights reserved.

Redistribution and use in source and binary forms, with or without modification, are permitted provided that the following conditions are met:

Redistributions of source code must retain the above copyright notice, this list of conditions and the following disclaimer.

Redistributions in binary form must reproduce the above copyright notice, this list of conditions and the following disclaimer in the documentation and/or other materials provided with the distribution.

Neither the name of the author nor the names of its contributors may be used to endorse or promote products derived from this software without specific prior written permission.

THIS SOFTWARE IS PROVIDED BY THE COPYRIGHT HOLDERS AND CONTRIBUTORS “AS IS” AND ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE ARE DISCLAIMED. IN NO EVENT SHALL THE COPYRIGHT OWNER OR CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATA, OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OF THIS SOFTWARE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

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