Q3. Who is eligible to apply for UOB Business Internet Banking?
Sole proprietors/companies/clubs and societies who open corporate accounts with the UOB Group are eligible to apply for UOB Business Internet Banking.

Q4. What system requirements do I need?
Minimum requirement specifications:

• Personal Computer: Pentium II processor with 32 MB RAM or higher
• Modem: 33.6 kbps modem, but preferably a 56 kbps modem or broadband access for best results
• Operating System: Windows 9X, Windows ME, Windows 2000, Windows XP or Windows NT 4.0
• Browser: Microsoft Internet Explorer (IE) 5.5 (SP2) or 6.X, with strong (128-bit) encryption capability
• Internet Access: An Internet account with any Internet Service Provider or access via Local Area Network
• UOB Business Internet Banking will support an 800 x 600 screen resolution. However, it is best viewed at a 1024 x 768 screen resolution.

Microsoft Internet Explorer
1) Select "Help" from the Internet Explorer menu bar
2) Select "About Internet Explorer" from the drop-down menu
3) The "About Internet Explorer" dialog box will provide information on your browser version and encryption level.

To upgrade your Microsoft Internet Explorer browser, please visit Microsoft website at http://www.microsoft.com/ie.

Q5. How do I apply?
You can visit any UOB Group Branch to obtain the necessary application forms. Alternatively, you can simply download and print out the UOB BIB Service Registration Form from the following links:

For Basic: Enquiry Services

• Registration Form (PDF: 27KB)

For Professional: Transactional Services

• Registration Form (PDF: 36KB)
• Transaction Approval Mandate Customisation Supplementary Form (PDF: 45KB)

Submit the completed Registration form together with a Corporate Resolution (PDF: 24KB) from your Board of Directors (where applicable) at your domicile branch.

When your registration for UOB Business Internet Banking is approved, your nominated Company Administrator(s) and Signatory(s) will receive their User ID,Password mailers and Token via post.

If you are a subsidiary company applying to have your accounts linked to your parent company's Company ID for performing enquiries or transactions, you need to submit the UOB BIB Service Registration Form (for Subsidiary Company) (PDF: 39KB), together with a resolution (for Subsidiary Company) (PDF: 24KB) from your Board of Directors.

Q6. Is the service available 24 hours a day?
Yes, it is. As long as you meet the minimum system requirements listed out in Question 4 above, you will be able to access UOB Business Internet Banking anytime, anywhere. (Note: Certain transactions may be subject to processing hours. Please refer to your user guide for details.)

Q7. Are there any subscription fees for using UOB Business Internet Banking?
You can select from either of the two Service Packages currently offered under BIB. These are: Basic (Account Enquiry Only) and Professional (Transactional Services, inclusive of Account Enquiry, Account Services and Remittance Services). Monthly subscription fee for BIB is currently waived (fees and charges related to product and services such as IBG, LC and TT will continue to apply).

Note: The subscription fee waiver will not apply to Premium Options (ie. Bulk Services and Trade Services).

Q8. Can I access the service from different PCs?
Yes, as long as you meet the minimum system requirements as listed above in Question 4, you can access UOB Business Internet Banking from any PC of your choice.

Q9. Can I access the service from overseas?
Yes, as long as your PC has Internet access while you are overseas, you will be able to access UOB Business Internet Banking.

Q10. Can I give UOB Business Internet Banking access to my staff?
Yes. Your Company Administrator will be able to create multiple company users and assign different functional and data access privileges for different company users. The users may include those from the subsidiary company(s), so long as the accounts of the subsidiary company(s) are linked to the parent company.

Getting Started

Q11. I am performing a company administration set-up for the first time. How do I go about doing this?
Upon receiving and acknowledging your UOB Business Internet Banking Company Administrator ID and Password, please download our Quick Setup Guide (PDF: 290KB) and follow the instructions given. (You need Adobe Acrobat Reader to view this file. To download a copy, click here)

Security

Q12. What mechanism do you use to ensure that financial transactions are properly authorised?
UOB Business Internet Banking has a system in place that provides a high standard of security for banking over the Internet. This security system employs Secured Sockets Layers 128-bit encryption (the highest level of encryption generally available today) and a two-tier authentication technology that uses a User ID and Password to safeguard the confidentiality of your corporate account information and banking transactions.

In addition, monetary transactions will require authorisation by the Company Signatory(s) through the use of a personal Token and related PIN.

The mandate for the approval of these monetary transactions will be governed by the Authorisation Profiles as instructed by the customer in the service registration form.

Usage

Q13. What are the types of funds transfers I can perform via Business Internet Banking?
You can perform the following funds transfers:

• Inter Account Funds Transfer:
  • Between own linked accounts with UOB
  • To prearranged or non-prearranged third-party account with UOB
• Inter Bank Funds Transfer to non-UOB accounts
• Remittances:
  • Remit funds from your UOB account to any beneficiary account with other banks (both local and international)
  • Apply for Demand Draft and Cashier's Order

Q14. What limit controls do I have over monetary transactions performed using Business Internet Banking?
Every monetary transaction can only be approved according to the Signing Condition mandate in the Authorisation Profile (see Q12 above). In addition, you can also set the following limit controls:

Limit	Type	Default Limit	Applies to
Signatory Limit	Daily Limit, per Signatory in each Signatory Group	Any Amount	Any Signatory in Group A, B or C
Funds Transfer Debit Limit	Daily Limit, per Current Account (SGD or non-SGD)	Any Amount, subject to availability of funds in the account *	Inter Account Funds Transfer to third-party accounts (prearranged or non-prearranged), Inter Bank Funds Transfer, payroll transactions or bulk GIRO payments
Bill Payment Limit	Monthly Limit, per Current Account (SGD only)	Any Amount, subject to availability of funds in the account *	Bill Payment transactions
* If these limits are left blank on the Registration Form, the respective default values (per account) will apply. You can indicate a different limit where required.

Q15. Which organisations can I make online payments to?
Currently, there are more than 60 Billing Organisations (BOs) available for selection in UOB Business Internet Banking (which you can view as a UOB Business Internet Banking customer upon logging in). New BOs are constantly being added to the list to better serve your payment needs.

To make an online Bill Payment, simply fill in the required information (eg. Payee Name, Bill Reference No, etc.).

Q16. When performing salary crediting to employees using Bulk Services, how do I ensure that confidential Human Resources information is not viewed by unauthorised users within my company?
The UOB Business Internet Banking Service Registration Form allows you to indicate which Company Administrator(s) or Company Signatory(s) should have the "HR Manager" function. This is effected by selecting "Yes" for "Assign Payroll Functions" in the registration form.

The Company Administrator (whether with "HR Manager" function or not) can create the Functional Access Profile for a Company User or Company Signatory who needs to perform Payroll functions. However, this will not come into effect till a Company Administrator or Company Signatory tagged with "HR Manager" function gives the approval.

In this way, the person(s) given the "HR Manager" function can help restrict the viewing of confidential Human Resources information to only the authorised Company Users.

Q17. Does Business Internet Banking make use of hashing for transaction files uploaded for Bulk Services? How does hashing work in BIB?
Hashing is an optional feature for BIB Bulk Services. It is an additional security feature to help ensure that the transaction files that you sent to BIB have not been tampered with.

Hashing works in this manner: A hashing algorithm is given to you so that you can implement in your company's back-end system that produces the transaction files (eg. bulk payment files, payroll files, etc.) for Bulk Services. A checksum will be computed based on the data contained in the transaction file. The checksum will be embedded within the file before being sent to the Bank. The Bank, upon receiving the uploaded file, will do a recomputation of the checksum and check that this number tallies with the embedded checksum within the file.

Q18. Under Bulk Services, is there a maximum limit to the number of records I can upload in a single transaction file?
The limitation is on the file size that can be optimally transmitted through the Internet. For Business Internet Banking, this translates to a maximum of 10,000 records per file for Interbank GIRO transactions and 1,000 records per file for payment using Cashier's Order, Demand Draft, Telegraphic Transfer or Cheques.

Q19. What is UOB eFX?
UOB eFX is specially developed by United Overseas Bank (UOB) to provide secure foreign exchange services over the Internet. With UOB eFX, you can secure foreign exchange (FX) rates anywhere, anytime.

Q20. What does UOB eFX offer?
UOB eFX offers the following product:
Foreign Exchange (FX) Services offer the most competitive FX rates to meet your foreign exchange trading and funding requirements - including loans, remittances, payment and receipt of trade bills and fund transfers, that are denominated in foreign currencies. You can secure FX rates in advance from a choice of more than 10 currencies (including the major currencies) against the Singapore Dollar and US Dollar.

Q21. What can I do on UOB eFX?
As a UOB eFX customer, you will enjoy a comprehensive range of electronic services that will help you to manage your financial portfolio efficiently and conveniently. These services include:

• Quick access to real-time FX rates
• Automatic alerts for your watch orders once your desired FX rate is reached
• Up-to-date status of your FX portfolio on-line, including your FX positions and outstanding orders
• Viewing of your historical trades
• Access to daily financial and up-to-date market-breaking news

Q22. What are the benefits of using UOB eFX?
UOB eFX provides:

• Fast and efficient execution of your FX trades
• Valuable real-time rates that reflect the latest market movements
• In-depth and up-to-date information that allows you to react promptly to the market
• User-friendly features, including a step-by-step guide to foreign exchange trading over the Internet
• Convenience, as you can trade anywhere, anytime without the need for a broker or dealer

Q23. What is the minimum amount per transaction when I trade on UOB eFX?
For FX Services, currently the minimum amount is USD10,000 or its equivalent per transaction.

Q24. What are the types of watch orders that I can place on UOB eFX?
You can place a Watch Alert. These orders are valid, for example, 'Good Till Cancelled', or 'Good Till Friday NY (New York) Close', depending on your specific requirements.

When you place a Watch Alert, you will be alerted the moment a foreign currency you are monitoring has reached your targeted rate.

Q25. What are the types of contracts that I can enter into?
A contract can be valued the same day (value today), the day after (value tomorrow) or spot day (value spot). If you have set up a "FX Line" with the Bank, the FX Line states the maximum amount and the tenure that you may contract at any one time on fixed forward or optional delivery forward basis.

Q26. Why are the rates quoted on UOB eFX different from those quoted by other information system providers?
One has to bear in mind that a rate offered by one information service provider is also not necessarily the same as that offered by another. As such, a quote that is offered to the customer can be a rate that reflects a certain bank deal that has just occurred or it can be an estimated rate.

Technical Requirements

Q27. What browser settings do I need?

• Set Cipher Strength to 128-bit encryption:
  • Go to the browser menu.
  • Click on 'Help' and then select 'About Internet Explorer'.
  • At the pop-up window, if 'Cipher Strength' is not 128-bit, click on 'Update Information'.
  • You will then be directed to the Microsoft website where you should download the appropriate security pack suitable for your system.
• Check that SSL 2.0, SSL 3.0 for accessing secured sites using HTTPS is enabled:
  • Go to the browser menu.
  • Click on 'Tools', select 'Internet Options' and then click on the 'Advanced' tab.
  • Ensure that the 'Use SSL 2.0, SSL 3.0" checkboxes under 'Security' are enabled.
• Check that Microsoft VM - JIT compiler for virtual machine is enabled:
  • Go to the browser menu.
  • Click on 'Tools', select 'Internet Options' and then click on the 'Advanced' tab.
  • Under 'Microsoft VM' section, ensure that the 'JIT compiler for virtual machine' is enabled.
  • You need to restart your computer after this.
• Other security settings that must be enabled:
  • Go to the browser menu.
  • Click on 'Tools', select 'Internet Options' and then click on the 'Security' tab.
  • Click on the 'Internet' icon.
  • Click on 'Custom Level'.
  • Under 'Cookies', ensure all Cookies options are enabled.
  • Under 'Microsoft VM, Java Permissions', ensure the 'Disable Java' and 'Custom' options are NOT enabled.
  • Under 'Scripting', ensure all Scripting options are enabled.

Q28. Why must my browser be Java-enabled?
The Bank uses a Java applet for added security (beyond the 128-bit SSL) to encrypt you Password/PIN before it is transmitted to the Bank. Without being Java-enabled or having a Java Virtual Machine (JVM) installed in your browser, the applet will not work and you will not be able to login to UOB Business Internet Banking.

Q29. How do I know if my browser has JVM installed?
Check that your browser settings comply with the recommendations in Q27. If JVM is not installed in your system, you will be prompted with an error message when you attempt to login to UOB Business Internet Banking.

Q30. What must I do to install JVM on my browser?
Most browsers from Microsoft come automatically Java-enabled. However, some of the later versions of Microsoft Internet Explorer (particularly with Windows XP) do not.

The latest java plug-in can be downloaded directly from the website of Sun Microsystems at http://java.sun.com/getjava/download.html

Q31. Do I need to check my browser periodically for software updates?
We encourage you to conduct periodic checks at the Microsoft website ( http://windowsupdate.microsoft.com ) for regular updates. Microsoft frequently publishes programme updates, upgrades, bug fixes and security fixes on its website and we encourage our customers to keep their browsers updated to take advantage of the latest enhancements available.

Resolving Technical Problems

Q32. If my computer were to crash or hang before I receive confirmation that my transaction was completed, how will I know if my transaction was successful?
Every transaction performed through Business Internet Banking has a unique reference number (Internet Reference No). You can monitor and check the status of any transaction under Transaction Search or the "To Do/To Track" function. All successful transactions will have the status "Completed" or "Issued".

For assistance, please call the UOB Business Internet Banking Helpdesk at
1800 22 66 121 (Monday to Friday (excluding public holidays), 9.00 am to 6.30 pm, toll-free).

Q33. Why do I get an 'Error 500' message when I submit my request to answer the Q&A or unlock my token?
Depending on the demand for its services, UOB Business Internet Banking might take a certain amount of time to process requests relating to Token Maintenance. Once the request has been submitted, please wait for a response from the system and do not press the 'Submit' button again or 'Refresh' the page.

Q34. I have added the login link of UOB Business Internet Banking to 'My Favourites' in my Internet Explorer programme. Yet I am not able to see the Login screen when I go to that link. Why is that so?
When saving the login screen of UOB Business Internet Banking into 'My Favourites' list, please ensure that the following URL has been saved in 'My Favourites' :

https://uniservices2.uobgroup.com/ELO/login.jsp

To save this link:

1. Proceed to the UOB Business Internet Banking Login Page by selecting the link above.
2. In the 'Favourites' drop-down menu in the Internet Explorer Browser, select 'Add to Favourites' Option.
3. Type in a description that describes the UOB Business Internet Banking Page.
4. Select the 'OK' button.

Q35. Why can't I login even after entering my Company ID, User ID and Password correctly?
If you encounter the above situation, please check if your browser settings have been configured as follows:

• Cipher Strength using 128-bit encryption:
  • Go to the browser menu.
  • Click on 'Help' and then select 'About Internet Explorer'.
  • At the pop-up window, if 'Cipher Strength' is not 128-bit, click on 'Update Information'.
  • You will then be directed to the Microsoft website where you should download the appropriate security pack suitable for your system.
• SSL 2.0, SSL 3.0 for accessing secured sites using HTTPS is enabled:
  • Go to the browser menu.
  • Click on 'Tools', select 'Internet Options' and then click on the 'Advanced' tab.
  • Ensure that the 'Use SSL 2.0, SSL 3.0" checkboxes under 'Security' are enabled.
• Microsoft VM - JIT compiler for virtual machine is enabled:
  • Go to the browser menu.
  • Click on 'Tools', select 'Internet Options' and then click on the 'Advanced' tab.
  • Under 'Microsoft VM' section, ensure that the 'JIT compiler for virtual machine' is enabled.
  • You need to restart your computer after this.
• Other security settings that must be enabled:
  • Go to the browser menu.
  • Click on 'Tools', select 'Internet Options' and then click on the 'Security' tab.
  • Click on the 'Internet' icon.
  • Click on 'Custom Level'.
  • Under 'Cookies', ensure all Cookies options are enabled.
  • Under 'Microsoft VM, Java Permissions', ensure the 'Disable Java' and 'Custom' options are NOT enabled.
  • Under 'Scripting', ensure all Scripting options are enabled.

Logging In

Q36. What do I need to log in?
You will need a Company ID / User ID, Password and Token for One-Time Password (OTP) issued by your Company Administrator to log in. For Company Signatories and Company Administrators, your Company ID / User ID, Password and OTP-token will be mailed to you by the Bank. For more information on OTP-token, please refer to www.uobgroup.com/2FA.

Q37. What should I do if I forget my ID and/or Password?
If you forget your ID, you should consult your Company Administrator. However, if you are a Company Signatory or Company Administrator and have forgotten your Password, you should submit the Maintenance Form (PDF: 45KB) to request for re-issuance of Company Signatory or Company Administrator password.

Q38. Will I be able to change my Company ID, User ID and Password?
You cannot change your Company ID and User ID. However, you may change your Password at any time.

Q39. What can I do to protect my company's account and trading information on UOB Business Internet Banking?
While the Bank has taken steps to keep your company's account and transactional information secure, you also play a major role in maintaining the security of such information. You should memorise your Company ID / User ID and Password and never write them down or reveal them to anyone.

To further protect your company's account and transactional information while banking via UOB Business Internet Banking, you can do the following:

• Change your Password when you access UOB Business Internet Banking for the first time (the system will enforce password change upon your first logon). We recommend that you change your Password regularly as an added security measure.
• Clear the browser's cache after each session in UOB Business Internet Banking so that details of your transactions are removed.
• Always log out properly after you have completed your online banking activities.