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Basic PackageUser Guide

Reflex Online Cash Management

BASIC USER GUIDE VERSION 2.0 PART 1 INTRODUCTION1.1 What is Reflex?1.2 Services Available at Reflex 1.3 The System Administrator and Corporate User Role

PART 2 RECEIVED ITEMS2.1 Acknowledgement Letter2.2 Before Start Using Reflex2.3 How to Activate & Change Your Default Pin Number2.4 How to Login2.5 First time Login - Terms & Conditions Acceptance2.6 FAQs on Reflex

PART 3 SYSADMIN1 & SYSADMIN2 SETUP3.1 Sysadmin1 – Creation of Subsidiary/Department Maintenance3.2 Sysadmin2 – Subsidiary/Department Maintenance Authentication3.3 Sysadmin1 – Creation of User Group3.4 Sysadmin2 – User Group Authentication3.5 Sysadmin1 – Creation of User ID3.6 Sysadmin2 – User ID Authentication3.7 Reset Corporate User Login

PART 4 HOME4.1 Message Inbox4.2 Information Management

4.2.1 Foreign Exchange Rates4.2.2 Money Market Rates Inquiry4.2.3 Foreign Currency Notes Rates Inquiry4.2.4 Multi Currency Deposit Inquiry4.2.5 Indicative Forward Rates4.2.6 View Treasury Alert

4.3 TradeInfoLink4.3.1 Trade Global Detail

4.4 Reports4.4.1 Returned Cheque

4.5 Log4.5.1 Transaction Log Inquiry

4.6 Need Help?4.6.1 Need Help?4.6.2 How to use Challenge Response

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Basic Reflex Online Cash ManagementRHB Bank Berhad l Version 2.0

PART 5 ACCOUNT MANAGEMENT5.1 Inquiry

5.1.1 Consolidated Balance Inquiry5.1.2 Current Account Balance Inquiry5.1.3 Multi Currency Account Balance Inquiry5.1.4 Fixed Deposit Balance Inquiry5.1.5 Loan Inquiry

5.1.5.1 Loan Inquiry5.1.5.2 Revolving Inquiry

5.1.6 Late Local Cheque5.1.7 Float/OC Details5.1.8 Overdraft Inquiry5.1.9 Trade Inquiry 5.1.9.1 Portfolio Inquiry

5.1.9.2 Limits 5.1.9.3 Alerts 5.1.9.4 Processed Transactions 5.1.9.5 Settled Transactions5.1.10 Transaction History Inquiry5.1.11 Statement

5.1.11.1 Statement Request5.1.12 Charges Statement5.1.13.1 Cheque Status Inquiry5.1.13.2 Presented Cheque Inquiry

PART 6 Appendix6.1 How to Change Token Pin Number

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Part 1Introduction

1.1What is Reflex?

Reflex Cash Management is an online service, combining Cash Management, Trade and Payments Solutions together asan integrated online solution.

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Services Basic

Account ManagementAllows you to inquire on your account balances and activities.

Cheque ManagementEnables you to check on the status of your cheques in real-time

Information ManagementDisplays information on foreign exchanges, rates and treasury

Trade InquiryApplicable for customers who have trade facilities with the bank. Check trade account balances and activities online.

Credit Card Merchant reportApplicable for customers who are the Bank’s Credit Card Merchants. Receive, print and download the merchant summary report and terminal activities online on the next day (after you had performed settlement at the terminal).

Fund Transfer- Intra-Bank Transfer Allows you to perform Fund Transfers from your

own group of accounts and to 3rd party accounts within the Bank

- Inter-Bank Transfer Allows you to perform Fund Transfers to accounts

maintained with IBG (Giro) & RENTAS member banks

- Remittance Foreign TT Allows you to submit application for Telegraphic

Transfer (TT) to foreign countries online. You will enjoy special rate on each of your TT application.

Payment Advice NotificationAllows you to submit details and notification to your beneficiaries whenever you perform Fund Transfer, IBG, Rentas and TT.

Bills PaymentAllows you to pay company bills online.

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1.2 Services Available at Reflex

1.1What is Reflex?

Part 1Introduction

Services Basic

Stop Cheque onlineAllows you to perform stop payment on cheques via Internet (for instances of lost or stolen cheques).

Online Cheque Book requestAllows you to submit requests for additional or new cheque books via Internet.

Bulk PaymentAllows you to submit multiple payments in a file if your volume of payment is high.

Payroll PaymentAllows you to submit payroll to RHB account holders and other banks.

Trade FinanceApplicable for customers who have trade facilities with the bank. Allows you to submit application for trade facilities (e.g. Letter of Credit, Bank Guarantees, etc.) online.

Statutory Body TransactionsOne-stop Centre for payments to individual statutory bodies such as EPF, SOCSO and IRB.

Loan RepaymentMake your life easier and your business smoother by meeting your monthly commitments of your RHB Corporate and Commercial Loans hassle-free with Reflex.

Fixed DepositIt’s a breeze to conduct Fixed Deposit placement and upliftment with Reflex.

Collections- Autodebit Allows you to debit fund from your payer or client.- Payment Allows you to credit fund from your payer or client.

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1.2 Services Available at Reflex

Sysadmin1 - Create / Amend

Inquirer

1) Subsidiary/DepartmentDepartment type i.e: HR, PAYROLL, ADMIN

2) User Group

(i) Assign what type transaction banking modules(ii) Assign List Account Viewing

3) Corporate UserCreation of User ID login assign to Group and Division

4) Reset Login (When nescessary)Reset users with multiple login

5) Account Maintenance (When necessary)(i) Change the account name (For easy reference particular used when there are multiple company accounts)(ii) Change the account accessibility according to user group (assign which account the users could view)

Used for Account Management, to view Account and Cheque Status.

Approve / Reject Sysadmin 1 Creation/ Amendments

Sysadmin2 - Approve / Reject

System Administrators are appointed by the Company’s Management or Board of Directors. They manage the system for the corporate users.

Activities include: - Assignment of tokens and PINs for dynamic users - Enable and reset of passwords for static users - Manage the Security Matrix for assignment of user’s right and access - Manage and maintain access profiles which define the functions

available to users group - Manage and maintain static and dynamic user’s access

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Part 1Introduction

1.3The System Administrator and Corporate User Role

In Reflex, there are two type of users:

1. Administrators - who take care of the set-up of the system i.e: Sysadmin1 & Sysadmin2

2. Corporate Users - the actual users of the system i.e: Inquirer, Data Entry, Reviewer & Authorizer

Part 2Received Items

2.1Acknowledgement Letter

Acknowledgement letter is a cover letter that were send together with the token/pin mailer. It indicates the corporate ID number, token serial number and other relevant information. The letter also act as a notification to RHB Bank that you have receive the token/pin mailer.

Please acknowledge on both Tokens and Pin Mailers Acknowledgement Letters and return a copy us via:

i) mail to the following address:

Registration CentreCash & Payment Ops. DepartmentPayment & Cash Management Solutions DivisionRHB Bank BerhadLevel 3, Tower 3, RHB CentreJalan Tun Razak50400 Kuala Lumpur

ii) scanned & email to us at:

reflex_support@rhbbank.com.my

iii) fax to us at 03-9280 6194

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Sample of the Pin Mailers Acknowledgement Letter

Sample of the Tokens Acknowledgement Letter

LIM KO HUI,

011892

SYSADMIN1 3129111777 0135593129113998 0135603129126448 013561

SYSADMIN2USER1

ABEL MANAGEMENT SDN BHDNO. 88, JALAN SULTAN 2,51000 KUALA LUMPURMALAYSIA

LIM KO HUI,

011892

SYSADMIN1 312911177731291139983129126448

SYSADMIN2USER1

ABEL MANAGEMENT SDN BHDNO. 88, JALAN SULTAN 2,51000 KUALA LUMPURMALAYSIA

Part 2Received Items

2.2Before You Begin to use Reflex

1. TokenToken is a device that will be used every time you need to log into Reflex system.

2. Pin MailerThis is the default pin number sent by RHB Bank for first time activation of the token. Once activated, you are required to set your very own 8 digit pin number.

3. Token Acknowledgement LetterThis acknowledgement letter provides as a notification to RHB Bank that you have received the Tokens.

4. Pin Mailer Acknowledgement LetterThis acknowledgement letter provides as a notification to RHB Bank that you have received the Pin Mailers.

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Before you begin, you will need to have all of the followings items:

1. Token2. Pin Mailer3. Token Acknowledgement Letter4. Pin Mailer Acknowledgement

LetterLIM KO HUI,

011892

SYSADMIN1 3129111777 0135593129113998 0135603129126448 013561

SYSADMIN2USER1

ABEL MANAGEMENT SDN BHDNO. 88, JALAN SULTAN 2,51000 KUALA LUMPURMALAYSIA

LIM KO HUI,

011892

SYSADMIN1 312911177731291139983129126448

SYSADMIN2USER1

ABEL MANAGEMENT SDN BHDNO. 88, JALAN SULTAN 2,51000 KUALA LUMPURMALAYSIA

Corparate Name:ABEL MANAGEMENT SDN BHD

Token Serial No. : 3129111777

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Part 2Received Items

2.3How to Activate & ChangeYour Default Pin Number

1. Please ensure that your Token Serial Number displayed at the back of your Token matches the number displayed on the front and inner pages of your Pin Mailer. Each Token has a unique Pin Mailer.

2. Open your Pin Mailer to view your 8-digit Default Token Pin Number located on the right-hand corner of the Pin Mailer’s inner page.

3. Press the RED button on your token. The word ‘PIN’ will be displayed on the Token.

4. Enter the 8-digit Default Token Pin Number as stated in your pin mailer (as shown at no. 2). Token will show ‘NEW PIN’.

5. Enter your new 8-digit Token Pin Number.

6. The word ‘PIN CONF’ will be displayed on Token. Re-enter the New Token Pin Number for confirmation.

7. The Token LCD Screen will display “APPLI” once you have successfully changed your Token Pin Number.

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Please have both the Token and Pin Mailer with you before you proceed to the next steps.

Corparate Name:ABEL MANAGEMENT SDN BHD

Token Serial No. : 3129111777

Corparate Name:ABEL MANAGEMENT SDN BHD

Token Serial No. : 3129111777

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Part 2Received Items

2.4How to Login

1. At your Internet browser, please key in http://www.rhb.com.my to enter RHB BANK main page.

2. Select “Business Banking” at the top of the page to go to Reflex main page.3. Click button to take you to the Reflex login page.4. At the Reflex Login page, enter your Corporate ID (as printed on your

Acknowledgement Letter).5. Enter the SignOn ID (User ID) e.g. Sysadmin1.6. Key in the 8-digit at the Token Passcode. Please refer below steps to get

the Token Passcode: a) Press the RED button on your token b) Enter your new 8-digit Token Pin Number c) The word “APPLI” will then be displayed at the Token LCD screen. To

generate login token passcode, please press “1” on your token d) An 8-digit number will be generated by your Token and shown on the

LCD screen e) Key in the generated 8-digit number at the Token Passcode field7. Click button to proceed.

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Before you login, please ensure that you have taken the correct token. You may refer to the Token Acknowledgement Letter to check on the assigned token.

Please note that Sysadmin1 and Sysadmin2 is preset by the Bank, whereas the other user(s) is/are determined by you. It is advisable that all the tokens are labelled accordingly to avoid any confusion.

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Part 2Received Items

2.5First time Login -Terms and ConditionsAcceptance

1. Once you have successfully logged in to Reflex page, you will be prompted with the Terms and Conditions on the usage of Online Banking. You are required to read and understand the terms and conditions. Once you agree, please click on to the Continue button to proceed to the next screen.

2. Whilst the token passcode is still displayed on the screen, press the RED button once. As an added Reflex security feature, you will be able to view a matching 5 digit host return code on the token.

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Part 2Received Items

2.6FAQs on Reflex

1. How to Change Token Pin Number • Press the RED button at your token. • Enter your current/existing Token Pin Number. The Token will display

‘APPLI’. • Press and Hold RED button until you see “NEW PIN” message

prompted up at your token LCD screen. • If you want to change pin number: - Enter New Pin Number - Reconfirm New Pin Number • If you do not want to change pin number : - Press the RED button to turn off the token

2. How to Unlock Token • When you entered a wrong token pin number for the 1st time into

your token, the word ‘FAIL 1’ will be displayed on the screen. You are given 3 attempts to enter the correct password.

• After the 3rd attempt (FAIL 1, FAIL 2, & FAIL 3), your token will then be locked and a 7 digit lock pin code will be displayed on your token.

• On your Token LCD screen you will see “PIN LOCK” message will be displayed.

• Prepare a letter on your company letterhead to request for the token to be unlocked with below content:

- Request to Unlock Token - Please state your REFLEX corporate ID, Token serial number - Please state your Token Lock Pin code - Please state your contact person - Please state your contact number - Sysadmin1 or Sysadmin2 to sign - Mail to:

Registration Centre Cash & Payment Ops. Department Payment and Cash Management Solutions Division RHB Bank Berhad Level 3, Tower 3, RHB Centre Jalan Tun Razak 50400 Kuala Lumpur

- Our Customer Support will contact you once the token has been unlocked.

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1. How to Change Token Pin Number2. How to Unlock Token 3. Sample Letter for Unlock Token Request 4. Other Inquiries

PIN LOCK

2.6FAQs on Reflex

3. Sample Letter for Unlock Token Request

4. Other Inquiries: Please contact our Customer Support at the following dedicated

number for any general inquiries with regards to Reflex such as: - Token Delivery Status - Pin Mailer Delivery Status - Activation of Corporate ID - Guidance on how to use Reflex Online Cash Management

Part 2Received Items

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Customer Support Hotline: 03 - 92078383Customer Support Operating Hours: 8.45am - 6.45pm (Monday - Thursday) / 8.45am - 5.45pm (Friday)Customer Support Email: reflex_support@rhbbank.com.my

<Your Company’s Letterhead>

<Date>

Registration CentreCash & Payment Ops. DepartmentPayment & Cash Management Solutions DivisionRHB Bank BerhadLevel 3, Tower 3, RHB CentreJalan Tun Razak50400 Kuala Lumpur

Dear Customer Support,

<Corporate ID> - <Company Name> : – UNLOCK TOKEN REQUEST

We would like to request for below tokens to be unlock:

1) Token Serial Number: Lock PIN Code:

2) Token Serial Number: Lock PIN Code:

Should you have any enquiries, please contact <your PIC name> at telephone number <your contact no.>.

Thank you.

<Signature of Sysadmin1 / or Sysadmin2> <Name>

ACCOUNTS DEPARTMENT

001

Part 3Sysadmin1 & Sysadmin2 Setup

3.1Sysadmin1 - Creation ofSubsidiary/DepartmentMaintenance

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1. Login as Sysadmin1 and under the “User Maintenance” tab, select “Subsidiary/Department Maintenance”.

2. Click “Add”.3. Key in a Code* - System identification number for the subsidiary /

department (any character / minimum 1 & maximum 20 characters).4. Type in the Description - for example: Accounts Department / HR

Department/Finance Department.5. Click to proceed to the next step.6. Click . A message of “Transaction(s) is successfully sent for

approval” will be displayed. This indicates that the creation has been sent to Sysadmin2 for approval.

7. Click on to Logout.

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Part 3Sysadmin1 & Sysadmin2 Setup

3.2Sysadmin2 -Subsidiary/DepartmentMaintenanceAuthentication

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1. Login as Sysadmin2 and under the “User Maintenance” tab, select “Subsidiary/Department Maintenance”.

2. Click “Transaction(s) Authorization”. 3. Tick the Check Box.4. Click to proceed.5. To authenticate your Subsidiary/Department, please refer steps

below: a. Press the RED button on your token and enter your 8-digit Token Pin

Number. The word “APPLI” will then be displayed at the Token LCD screen.

b. Please press “2”, and then enter the “Challenge Code” into your Token.

c. An 8-digit number will be generated by your Token and enter this number at the token field.

6. Click . A message “Authorization(s) has been successfully approved.” will be displayed once the approval is successful.

7. Click on to Logout.

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Part 3Sysadmin1 & Sysadmin2 Setup

3.3Sysadmin1 - Creationof User Group

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Part 3Sysadmin1 & Sysadmin2 Setup

3.3Sysadmin1 - Creationof User Group

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1. Login as Sysadmin1 and under the “User Maintenance” tab, click “User Group”.

2. Click “Add”.3. Key in a Code - System identification number for the User Group (any

character, minimum 1 character & maximum 20 characters).4. Type in the Description - minimum 1 character & maximum 20

characters i.e : Inquirer.5. Select Role for your user.6. Select Status as Active.7. You have the options to choose what type of modules your Inquirer

can view. We recommend that you select All the Modules.8. Click .9. Tick the Check Box of the account you wish your user to view. 10. Click to proceed to next step.11. Click to send for approval. A message of “Transaction(s) is

successfully sent for approval.” will be displayed. This indicates that the creation has been sent to Sysadmin2 for approval.

12. Click on to Logout.

Creation of User Group is necessary to determine the user function access. Please add TWO Groups: Data Entry and Authorizer. Each token has to be assigned only one role.

INQUIRER Created

Part 3Sysadmin1 & Sysadmin2 Setup

3.4Sysadmin2 - UserGroup Authentication

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1. Login as Sysadmin2 and under the “User Maintenance” tab, click “User Group”.

2. Click “Transaction(s) Authorization”.3. Tick the Check Box. 4. Click to proceed.5. To authenticate your User Group, please refer steps below: a. Press the RED button on Sysadmin2 token and enter 8-digit Token Pin

Number. The word “APPLI” will then be displayed at the Token LCD screen. b. Please press “2” and then enter the “Challenge Code” into your Token. c. An 8-digit number will be generated by your Token and enter this

number at the token field.6. Click . A message “Authorization is successful” will be

displayed once the approval is successful.7. Click on to Logout.

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3.5Sysadmin1 - Creationof User ID

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3.5Sysadmin1 - Creationof User ID

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1. Login as Sysadmin1 and under the “User Maintenance” tab, select “User”.

2. Click “Add”. 3. Key in preferred User ID - minimum 6 characters and maximum 14

characters (Can be Alphanumeric/Alphabets/Numeric) e.g.: USER01 / USER02.

4. Enter User Name - the person who will operates/hold the token. The minimum is 1 character and maximum is 40 characters.5. Click onto the magnifying glass button and choose the Token ID to tag

to the user.6. Select View Detailed Transaction or View Summary.7. Enter the Transaction Limit (For Data Entry/Reviewer/Authorizer). 8. Select Active at the User Status.9. Select the User Group.10. Tick the Check Box of the Subsidiary/Department.11. Click to proceed to next step.12. Click to send for approval. A message of “Transaction(s) is

successfully sent for approval” will be displayed. This indicates that the creation has been sent to Sysadmin2 for approval.

13. Click on to Logout.

USER01 SUSAN GAN

USER01 SUSAN GAN

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Part 3Sysadmin1 & Sysadmin2 Setup

3.6Sysadmin2 - User ID Authentication

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1. Login as Sysadmin2 and under the “User Maintenance” tab, select “User”.

2. Click “Transaction(s) Authorization”.3. Tick the Check Box. 4. Click to proceed.5. To authenticate your corporate user, please refer steps below:- a. Press the RED button on your token and enter your 8-digit Token Pin

Number. The word “APPLI” will then be displayed at the Token LCD screen.

b. Please press “2”, and then enter the “Challenge Code” into your Token.

c. An 8-digit number will be generated by your Token and enter this number at the token field.

6. Click . A message “Authorization is successful” will be displayed once the approval is successful.

7. Click on to Logout.

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Part 3Sysadmin1 & Sysadmin2 Setup

3.7Reset Corporate UserLogin

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1. Login as Sysadmin1 or Sysadmin2 and under the “User Maintenance” tab, select “Reset Login”.

2. Tick the Check Box for the user ID that you wish to reset.3. Click . The status will be shown as successful at the user

listing for the respective user ID.

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To logout, please click on the icon .If accidentally click on the button from browser tab, please wait for 15 minutes before you could login again or get your System Administrators (i.e Sysadmin1 or Sysadmin2) to reset the corporate user login.

Part 4 Home

1. Login as User. Click “Message Inbox” at the Home menu.2. By clicking on the Subject Line you will be able to see message

information on pending / approved / rejected transaction(s) from Data Entry / Authorizer / Reviewer.

3. Message will be auto deleted after a period of 15 days or you can Tick the Check Box, and click .

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4.1 Message Inbox 1

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This function is used to view information on any pending transaction sent by Data Entry for Reviewer / Authorizer and vice versa for Data Entry to view updates if the transaction has been approved / rejected.

The message will be available for 15 days, after which, the message will be auto deleted (unless it is deleted earlier by the user).

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4.2 Information Management

Part 4Home

1. Login as User and click “Information Management” on the main menu.2. Click “Foreign Exchange Rates Inquiry”. You also have the options to

print the rates.

1. Login as User and click “Information Management” on the main menu.2. Click “Money Market Rates Inquiry”. You have the options to print the rates.

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4.2.1 - Foreign Exchange Rates

4.2.2 - Money Market Rates Inquiry

Consists the indicative exchange rates for USD, GBP, AUD, NZD, CAD, GSD, JPY, CHF,CNY, IDR, and EUR in unit for selling and buying.

Consists info on component of the financial markets for assets involved in short-term borrowing and lending with original maturities of one year or shorter such as Repo, FD, NID, and BA.

4.2 Information Management

Part 4Home

1. Login as User and click “Information Management” on the main menu.2. Click “Foreign Currency Notes Rates”. You also have the options to print

the rates.

1. Login as User and click “Information Management” on the main menu.2. Click “Multi Currency Deposit Inquiry”. You have the option to print the rates.

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4.2.3 - Foreign Currency Notes Rates Inquiry

4.2.4 - Multi Currency Deposit Inquiry

Inquire on the latest Live exchange rates from RHB Foreign Exchange quoted against Malaysia Ringgit.

Multi-Currency Deposit inquiry shows the term deposit and its rates of different currencies. Typically use to manage different currencies in one account. Save foreign currencies in current and term deposit accounts or use as collateral for cross-currency borrowing.

4.2 Information Management

Part 4Home

1. Login as User and click “Information Management” on the main menu.2. Click “Indicative Forward Rates”. You have the options to print the rates.

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4.2.5 - Indicative Forward Rates

4.2.6 - View Treasury Alert

1. Login as User and click “Information Management” on the main menu.2. Click “View Treasury Alert”. You can view any updates and the latest

news from RHB Treasury.

The Indicative Forward rates determines the Indicative rate of the currency exchange rate, to be paid or received on an obligation beginning at a future start date where else the Spot rates is the current exchange rate.

Contains latest news from RHB treasury.

4.3TradeInfoLink

Part 4Home

TradeInfoLink is a dedicated web portal at https://tradeinfolink.com.my that connects you instantly to the world of global trade.

This is a collaboration between RHB and Export Enterprise, Paris, TradeInfolink, and it aims to provide international trade information to RHB Reflex Online Cash Management customers in an easy-to-use web environment.

Export Enterprise, Paris has more than 20 years experience in providing international trade services to global goverment and banks. This is Export Enterprise’s first collaboration in Asia, making RHB the first bank to provide such services to customers in Malaysia.

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1. Login as User. Click Home Tab. 2. Click TradeInfoLink.3. You will be directed to Trade Info Link. Choose ‘New to TradeInfoLink’

(First Time Login).4. Fill up required detail to create the Profile ID and Password.5. The above light box will appear. REFLEX customers will need to login at

the option under RHB REFLEX Customers.

4.3TradeInfoLink

1. Key in Login Username and Password.2. Click OK button.

Part 4Home

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Once the profile has been created, customer will enter into below screen:

Customer login via outside REFLEX (customer has the TIL login ID & password).

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4.3TradeInfoLink

Part 4Home

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You can select a country and get the country profile via the world map.

Under the ‘World Economic Indicator’, you can select the country and get its GDP growth, GDP per capital, Household Consumption Growth and Import Growth information.

4.3.1 Trade Global Detail

4.3TradeInfoLink

Part 4Home

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To get more information on the country’s trade information, you can choose ‘Trade Info Tools’ ‘Get Market Information’ ‘Country Profiles’ and select the country from the country profiles listing.

If you have any queries over any of RHB’s products and services, you may select the FAQ at the contact box.

4.3.1 Trade Global Detail

4.3TradeInfoLink

Part 4Home

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The list of links to RHB’s product websites will be populated for selection.Example: If you select on ‘REFLEX Online Cash Management’, it will redirect you to the FAQ posted under REFLEX Online Cash Management (refer below).

For any incoming messages from the portal, you would be able to view at the Message Board

4.3.1 Trade Global Detail

4.3TradeInfoLink

Part 4Home

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If you have any query to RHB, you can post your query at the contact box.

When you click Send, an automated message will be prompted to indicate that the message is being attended.

4.3.1 Trade Global Detail

4.3TradeInfoLink

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Sanction Screening is available for you to check on the blacklisted parties (companies/ individuals).

You will be directed to the following screen. Key in the Name of the individual or entity. Click Find button.

1. Click Trade Info Tools Tab.2. Click Sanction Screening.3. Click access service.

4.3.1 Trade Global Detail

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List of the black listed individuals or entities will be provided in below screen.

4.3.1 Trade Global Detail

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How to find assistance in using the services provided in the TradeInfoLink?

The following light box will be populated. You can key in the assistance required and the queries will be directed to Export Enterprise.

4.3TradeInfoLink

4.3.1 Trade Global Detail

1. Click Trade Info Tools Tab.2. Click “Need Assistance using This Services?”.

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How to contact the webmaster of TradeInfoLink?

The following lightbox will appear and you may post any query related to the information given in this portal.

4.3TradeInfoLink

4.3.1 Trade Global Detail

1. Click Contact the webmaster.

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Click on the quick access menu to view the desired modules.

4.3TradeInfoLink

4.3.1 Trade Global Detail

4.4.1 Returned Cheque

4.4Reports

Reports are used to view rejected / returned cheque which was issued. You could also print and download the report for easy reference.

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1. Login as User. Click “Reports” on the main menu.2. Click “Returned Cheque”.3. Select your Account Number by clicking search tool.4. Select the Date From and To to view the Returned Cheque during the

period of choice.5. Click on .6. You will be able to view the Returned Cheque (The information contains

the returned date, transaction description, amount, cheque number and its reasons for returned cheque).

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4.5.1 Transaction Log Inquiry

4.5Log

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1. Login as User. Click “Log” on the main menu.2. Click Transaction Log Inquiry.3. Select Debiting Account Number by clicking search tool.4. Select the Date From and To Dates of the payment date.5. Tick the Transaction Type(s) you wish to view or Select All to view All Transactions.6. Click on .7. Click on to the Transaction Date link to view the transaction(s) and to view

the transaction(s).

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Beside Transaction(s) Status Inquiry to view status of approved Transaction(s); you could also use Transaction Log Inquiry to view approve / reject / expired transaction(s).

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4.6.1 Need Help?

4.6Need Help?

If you need help please contact Reflex customer hotline at 03-92078383 or email reflex_support@rhbbank.com.my; alternatively you could also access help topics from Need help section. It contains the common Q&A, documents sample to link subsidiary account etc.

How to use challenge response is a good step-by-step guide for Reviewer / Authorizer / Sysadmin2 to review on how to approve / reject transaction.

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1. Login as User. Click “Need Help?” on the main menu.2. Select “Need Help?”. Choose the topics you wish to view from the

content list by clicking on to the links.

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4.6.2 How to Use Challenge Response

4.6Need Help?

Challenge Response is used by the Authorizer to ‘APPROVE’ or ‘REJECT’ the transaction(s).Please refer to the following step by step guide on how to use Challenge Response.

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Using Challenge Response for approving your transaction1. Login as Authoriser. Click “Transaction Authorisation”.2. Click “Transaction Authorisation Inquiry”.3. Select Check Box(s) and click .4. A 5 digits Challenge Code will be displayed on the Authorizer’s screen.

To reject the transaction(s), you are required to indicate the token passcode and the reason of rejecting.

4.6.2 How to Use Challenge Response

6. You have now completed the approval process.

4.6Need Help?

Part 4Home 5. On the AUTHORIZER’s token

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1. Press TOKEN red button

3. At the APPLI, then Press 2

5. Token will generate 8 digits Passcode on TOKEN LCD screen

7. Then click submit to approve the transaction

9.

8. A host return code will be generated on the screen to indicate the the transaction has been completed. Authorizer can verify the transaction’s Host Return Code by pressing the RED button once

6. Enter the 8 digits Passcode into the Token* field

4. Enter 5 digits Challenge Code that appear on the screen into Authorizer’s token

2. Enter the Token Pin

Part 5Account Management

5.1Inquiry

1. Access REFLEX main login page.2. Enter your Corporate ID (Please refer to Acknowledgement Letter).3. Enter the SignOn ID (Your User ID).4. Press the RED button at your token.5. Enter your 6-digits Token Pin Number.6. Once it displays APPLI, press 1 on it.7. Your token will auto generate and display 8 new digits on your Token

Screen.8. Key in the 8 digits on the Passcode field on your Login Page.9. Click “GO” button to proceed (login).

Reminder!** If your user that will be login are tagged under more than 1

“Subs/Dept.” this screen will be displayed instead.

1. Select your Subs/Dept. 2. Click to proceed.

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Account Management allows you to view the following:

• Consolidated Balance Inquiry • Current Account Balance Inquiry• Multi-Currency Account Balance Inquiry• Fixed Deposit Balance Inquiry• Loan Inquiry• Late Local Cheque • Float/OC Details• Trade Inquiry• Overdraft Inquiry• Transaction History Inquiry• Statement

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5.1.1 Consolidated Balance InquiryPart 5Account Management

5.1 Inquiry

1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Consolidated Balance Inquiry”. Scroll down for

more information*. It will display the balances for all accounts (e.g.: FD, Multi Currency Account etc.).

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221300000000002SKY WARK

21300000000003OCEAN CITY

21300000000004TG ABU

60800000000001TG MINERAL

60800000000002PRO TECH

31100000000001TANJUNG TAWAU

31100000000002BUKIT M SDN BHD

21100000000001SABAH RESORT

21100000000002CHOICE SDN BHD

71100000000001BINA SDN BHD

71100000000002MOHD ISMAIL

If any of your Company FD, MCA, CA, Loan or Trade Account does not appear in the system, please write formal letter signed by your Sysadmin / Authorized Signatories to request to include the account linkage and mail to:

RHB Bank BerhadCash & Payment Operation DepartmentLevel 3, Tower 3, RHB Centre, Jalan Tun Razak, 50400 Kuala Lumpur.

5.1.2 Current Account Balance Inquiry

5.1 Inquiry

Part 5Account Management

1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Current Account Balance Inquiry”.3. Click on the Account Number hyperlink and you will be able to see the

detail transaction(s) of today. 4. Click Available Balance (RM) hyperlink to see the balances of the day.5. Click on or .

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21300000000001SKY WARK

21300000000002OSA CREATION

21300000000003SABAH BHD

21300000000004TG ABU

21300000000005PRO TECH

21300000000006TG MINERAL

21300000000007BINA SDN BHD

5.1.3 Multi Currency Account Balance Inquiry

5.1 Inquiry

Part 5Account Management

1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Multi Currency Account Balance Inquiry”.3. Click on the Account Number hyperlink to see the detail transaction(s)

of the day. 4. Click on or .

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60800000000001TG MINERAL

60800000000002PRO TECH

60800000000003LION CORP

60800000000004TG BUNGA SDN BHD

60800000000005STEEL CORP

60800000000003DESIGN TECH

60800000000003BESI STAR

60800000000003LUCKY SDN BHD

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5.1.4 Fixed Deposit/Repo Account Balance Inquiry

5.1 Inquiry

Part 5Account Management

1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Fixed Deposit Balance Inquiry”.3. Click on or .

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31100000000001TANJUNG TAWAU

21100000000001SABAH RESORT

21100000000002CHOICE SDN BHD

21100000000003DANAU AIR BHD

5.1.5.1 Loan Inquiry

5.1 Inquiry

Part 5Account Management

5.1.5Loan Inquiry

1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Loan Inquiry”, click “Loan Inquiry”.3. Click on the Account Number hyperlink to see the detail transaction(s)

of the day.4. Click on or .

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71100000000001SABARUDDIN

71100000000002MOHD ISMAIL

71100000000003MUSTAPA

71100000000004GHAZALI YAHAYA

71100000000005SUIB AYUB

71100000000006TAN BENG HUA

71100000000007MENG

5.1.5.2 Revolving Inquiry

5.1 Inquiry

5.1.5Loan Inquiry

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1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Loan Inquiry” and click “Revolving Inquiry”.3. Click on the Note Number hyperlink to see the detail transaction(s) of

the day.4. Click on or .

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Part 5Account Management

1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Late Local Cheque Inquiry”.3. Click on the Account Number hyperlink to see the detailed cheque

status.

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5.1.6 Late Local Cheque

5.1 Inquiry

21300000000001/SKY WARK

21300000000001/DESIGN 77

21300000000001/LION STEEL

21300000000001/LUCKY ABC

21300000000001/AIR CORP

21300000000001/DAUN BHD

21300000000001/JUMBO TECH

21300000000001/LADYS 88

21300000000001/BAIDURI SDN BHD

21300000000001/DUNIA WORLD

21300000000001/IT TECH

21300000000001/SMART IT CORP

Part 5Account Management

1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Float O/C Details”.3. Select the Account Number by clicking search tool.4. Select either Today or Previous days.5. Click on . 6. Click on or .

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5.1.7 Float/OC Details

5.1 Inquiry

21300000000001

LION STEEL

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5.1.8 Overdraft Inquiry

5.1 Inquiry

1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Overdraft Inquiry”.3. Click on the Available Balance hyperlink to see the balance.4. Click on or .

21300000000001SKY WARK

21300000000002OCEAN CITY

21300000000003IT TECH

Portfolio Inquiry• Shows the consolidated outstanding trade transactions with the Bank.

Represents all transactions processed and are still outstanding.• Summarise by product, item count and outstanding by product.

Portfolio Screen1. Login as User. From the Main Menu bar, click “Account Management”,

then click “Trade Inquiry” and click “Portfolio”.2. The Trade Account Selection page appears. Select an account from the

drop down list and click Go.3. The system routes the page to Portfolio Screen.

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This sub-module shows you the steps to perform a Portfolio Inquiry:

• Portfolio Screen, • Outstanding Listing and • Transaction Details.

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5.1.9.1 Portfolio Inquiry

Outstanding amount shown is the MYR equivalent principal amount at creation / issue time.

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Outstanding Transactions Listing1. At Portfolio Screen, click on any Product Type hyperlink under the

respective Product Category.2. The system routes to the Outstanding Transactions Listing Page with

listing of transactions outstanding under a product type selected. The format/layout of each outstanding product listing is displayed below:

Part 5Account Management

The field description of the fields for each outstanding product listing are depicted below.

No Field Name Description

[I] Outstanding Letter of Credit

1. Transaction No Instrument Type2. Original Amount Amount in the LC currency3. Original MYR Amount MYR equivalent at creation4. Issue Date Date processed by Bank5. Expiry Date Not shown if sight bills6. Outstanding Amount Current outstanding amount in original currency7. Status • Approved – processed • Pending – transaction in process by Bank

[II] Outstanding Inward Bill for Collection

• See Outstanding Letter of Credit for description of fields.

[III] Outstanding Trust Receipt

• See Outstanding Letter of Credit for the remaining field descriptions.1. Interest Outstanding Total unpaid interest as at inquiry date.

[IV] Outstanding Bankers Acceptance

• See Outstanding Letter of Credit for the remaining field descriptions.1. Tenor BA financing tenor

[V] Outstanding Inward Letter of Credit

• See Outstanding Letter of Credit for description of fields.

[VI] Outstanding Outward Bills for Collection

• See Outstanding Letter of Credit for description of fields.

[VII] Outstanding Shipping Guarantee

• See Outstanding Letter of Credit for description of fields.

[VIII] Outstanding Bank Guarantee

• See Outstanding Letter of Credit for the remaining field descriptions.

1. X-Ref No. Applicable for BG Renewal. The expired BG reference no. will be indicated in this column.

[IX] Outstanding Export (Others)

• See Outstanding Letter of Credit for the remaining field descriptions.1. Product List the various export products under Export (Others)

[X] Outstanding Other Financing

• See Outstanding Letter of Credit for the remaining field descriptions.1. Product List the various products under Other Financing2. Interest Outstanding Total unpaid interest as at inquiry date

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5.1 Inquiry

5.1.9 Trade Inquiry

5.1.9.1 Portfolio Inquiry

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5.1.9.1 Portfolio Inquiry

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3. Click to return to Portfolio Screen.4. To download the listing, click to open or save the listing to your

computer. You have the option to choose the required format either in CSV (Microsoft’s Excel) or Text format under the drop-down menu.

5. Click to print the documents.

5.1 Inquiry

5.1.9 Trade Inquiry

5.1.9.1 Portfolio Inquiry

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Transaction Details Page1. At the Outstanding Transaction Listing Screen, click Transaction No.

Hyperlink.2. The system routes to Transaction Details page. The format/layout of

each product inquiry is displayed below: - See related sub-module for field descriptions of information relating to each product. 3. NOTE : Transaction Details page provides you with information as per original

creation for product types, e.g. Letter of Credit, Inward Letter of Credit, Inward Bills Collection and Bank Guarantee. You can access the Correspondence Tab or Attachments Tab to retrieve the full details of LC/BG issued, the Inward Collection Schedules and Inward LC details, including amendments, if any.

a. Letter of Credit b. Bank Guarantee c. Outward Bills for Collection d. Bankers Acceptance e. Other Financing Outstanding list shows product identification under Other Financing * Current Outstanding – Balance of loan after settlement (if any) * Interest Accrued – Interest accrued up to date of inquiry f. Inward Letter of Credit g. Inward Bills for Collection h. Export (Others) This outstanding list also shows product identification under Export

(Others) *Balance amount after drawdown i. Shipping Guarantee j. Trust Receipt4. Click Back hyperlink after each inquiry to return to the respective

Outstanding Transaction Listing.

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5.1 Inquiry

5.1.9 Trade Inquiry

5.1.9.1 Portfolio Inquiry

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5.1 Inquiry

5.1.9 Trade Inquiry

5.1.9.1 Portfolio Inquiry

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History TabHistory Tab is a list of the historical sequence of events of the respective transaction. To access the History Screen:

1. Please refer to Transaction Details page under sub-module 9.1 - Portfolio Inquiry in this manual for detailed steps.

2. Once user is at the Transaction Details page, history of the transaction can be viewed by clicking the History tab.

3. Click Back hyperlink to return to the previous listing.

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Under the Transaction Details page of the respective Product Type, there are 4 common tabs associated with the Details page namely History, Contact, Attachments and Correspondence. These tabs are related to the individual transactions and can only be accessed from the Transaction Details page via various entry points ie. from Outstanding Listing, Settled Transactions, Alerts and Processed Transaction pages.

5.1.9.1 Portfolio Inquiry

5.1 Inquiry

5.1.9 Trade Inquiry

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Contacts TabContact Tab is a listing of the notifications sent by the Bank and service requests sent by the Corporate users pertaining to the transaction. To access the Contact Screen:

1. Please refer to Transaction Details page under sub-module 9.1 - Portfolio Inquiry of this section for detailed steps.

2. At Transaction Details page, Contacts of the Transaction can be accessed by clicking Contacts tab.

3. Click Back hyperlink to return to the previous listing.

5.1.9.1 Portfolio Inquiry

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Attachments TabAttachments tab is a list of attachments uploaded by the users related to the transaction. To access Attachment Screen:

1. Please refer to Transaction Details page under sub-module 9.1 - Portfolio Inquiry in this manual for detailed steps.

2. At Transaction Details page, it can view the attachments related to the transaction by clicking the Attachments tab. The View Attachments Page specifies the date and type of attachments uploaded.

3. Click Back hyperlink to return to the previous listing page. To drill-down the details of the attachments.4. From Attachments page, click View hyperlink to view the documents.5. System routes to Attachment Details page.

6. Click Open to open the file.7. Click Save to save the file.8. Click Cancel to return to View Attachment page.

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Correspondence TabCorrespondence tab shows a listing of documents uploaded by the Bank related to the transaction. To access Correspondence Screen:

1. Please refer to Transaction Details page under sub-module 9.1 - Portfolio Inquiry in this manual for detailed steps.

2. Once user is at the Transaction Details page, Correspondences of the transaction can be accessed by clicking Correspondence tab. The Correspondence page specifies the type of the documents uploaded.

To drill-down on the details of the correspondences: 3. From Correspondence page, click Correspondence Description

hyperlink. It describes the Description, Type, Transaction and Sequence of the correspondence uploaded.

4. System routes to Correspondence Details page.

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Limits Inquiry displays the Trade Line structures of your trade facilities with the Bank. This sub-module guides you on how to perform a limit inquiry.

Limits Inquiry displays the Trade Line structures of your trade facilities with the Bank. This sub-module guides you on how to perform a limit inquiry:

Limit Screen1. Login as User. From the Main Menu bar, click “Account Management”,

then click “Trade Inquiry” and click “Limits”.2. A Limit Listing page appears. Select the account from the drop down

list. Click Go.

3. The system routes the page to Limit Listing Screen displaying the Corporate Facility Type, Approved Limit/Sub Limit (MYR), Utilised (MYR) and Available/Excess (MYR).

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5.1.9.2 LimitsPart 5Account Management

This dropdown list will display the Trade Account Number(s) for selection.

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5. On the Utilised (MYR), click the Utilitised Amount Hyperlink.6. The system routes to the Utilised Details for product type with listing of

the outstanding transactions under the respective trade lines.

7. Click Back hyperlink to return to Limit Listing page.

5.1.9.2 Limits

5.1 Inquiry

5.1.9 Trade Inquiry

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Item Field Name Description

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Facility Type

Total MTL

MTL # (e.g. MTL2, MTL3, etc)

MTL1-Islamic LC or other product types

Approved Limit /Sublimit (MYR)

Utilised (MYR)

Available/Excess(MYR)

Types of trade facilities that the customer maintains with the Bank.

The Overall Multi Trade Line (MTL) granted to the customer.

The Multi-Trade Line granted to customer for trade facilities e.g. LC, TR, BA under 1 combination.

This is an individual product facility type under the Multi-Trade Line combination (for this e.g. Islamic LC under the first combina-tion of MTL1).

The Approved Limit for total MTL is the maximum limit approved/granted by the Bank to the customer. The Approved Limit for MTL# is the maximum limit for each MTL.

The Sublimit is the individual limit approved by the Bank for a specific product.

Utilised column shows the amount that have been utilized or the limit outstanding with the Bank.

The Available/Excess column shows you the respective amounts that are available for utilization and/or respective amounts that exceeded the approved limit granted by the Bank. The exceed/overdrawn amount will be denoted as negative (-) value.

5.1.9.2 Limits

5.1 Inquiry

5.1.9 Trade Inquiry

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Alert is a maturity report that displays your transactions (for transactions with maturity dates only), which are maturing during the next 7 days.

1. Login as User. From the Main Menu bar, click “Account Management”, then click “Trade Inquiry” and click “Alerts”.

2. The Alert page appears. The user is required to select an account from the drop down list and click Go.

3. The system routes to Alerts Screen.4. Click the hyperlink at transaction number. The system routes the

request to the transaction details page, where user can view the details, history, contacts, attachment and correspondence related to the transaction.

5.1.9.3 Alerts

5.1 Inquiry

5.1.9 Trade Inquiry

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1. Login as User. Login as User. From the Main Menu bar, click “Account Management”, then click “Trade Inquiry” and click “Processed Transactions”.

2. Trade Account Selection page appears. Select an account from the drop down list and click Go.

3. The system routes to Processed Transactions Inquiry Screen. It displays a list of transactions processed by the Bank for the past 7 days from the processed date.

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This is a listing of transactions that has been processed by the Bank. It is an online real-time basis kept in the system for 7 days from date of process.

5.1.9.4 Processed Transactions

5.1 Inquiry

5.1.9 Trade Inquiry

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1. Login as User. Login as User. From the Main Menu bar, click “Account Management”, then click “Trade Inquiry” and click “Settled Transactions”.

2. Trade Account Selection page appears. Select the account from the drop down list and click Go.

3. System routes to Settled Transactions Screen. It displays a list of transactions that have been settled or repaid for a period determined by the Bank.

4. Transaction details can be viewed by clicking on the Transaction No. hyperlink. Please refer to the Transaction Details Screens under sub-module 9.1 - Portfolio Inquiry of this section.

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Settled Transactions is a listing that shows all transactions that have been fully settled/repaid. Also include matured items but converted to overdue loan if customer fail to repay on maturity.

5.1.9.5 Settled Transactions

5.1 Inquiry

5.1.9 Trade Inquiry

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1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Transaction Inquiry”.3. Select the Account Number by clicking search tool.4. Select the Date (From and To).5. Click to proceed.6. Click on or .

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5.1 Inquiry

21300000000003 / OCEAN CITY

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5.1.11.1 Statement RequestPart 5Account Management

5.1 Inquiry

5.1.11Statement

1. Login as User. Click “Account Management” on the main menu.

2. Click “Inquiry”, click “Statement” and click “Statement Request”.

3. Select the Account Number by clicking search tool.

4. Select the Statement Date.

5. Click to proceed.

6. Select either Open or Save.

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5.1.12 Charges StatementPart 5Account Management

5.1 Inquiry

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1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Charges Statement”.3. Select the Account Number by clicking search tool.4. Select the Date (From and To).5. Click on .6. Click on or .

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5.1.13.1 Cheque Status InquiryPart 5Account Management

1. Login as User. Click “Account Management” on the main menu. 2. Click “Inquiry”, click “Cheque Management”.3. Click “Cheque Status Inquiry”.4. Select Account Number by clicking search tool.5. Key in the “Cheque Number” (From and To).6. Click to proceed.

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5.1.13.2 Presented Cheque InquiryPart 5Account Management

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5.1 Inquiry

5.1.13Cheque Management

1. Login as User. Click “Account Management” on the main menu.2. Click “Inquiry”, click “Cheque Management”.3. Click “Presented Cheque”.4. Select the Account Number by clicking search tool. 5. Select the Date (From and To).6. Click to proceed.

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Part 6Appendix

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1. Press the RED button on your token.2. Enter your Token PIN Number.3. The Token LCD screen will display APPLI.4. Press and Hold the RED button until you see “New Pin” message is displayed.5. Enter your New Pin Number.6. Reconfirm your New 8 digit Pin Number.7. Press the RED button to turn off the token.

• When you enter Token Pin Number wrongly 3 times, your token will be locked and you will see “Lock Pin Number” on the screen.

• To unlock your token, prepare a formal letter on your company letterhead with the following content: - Request to Unlock Token - REFLEX Corporate ID

- Token Lock Pin Number - Contact Person - Contact Number - Sysadmin1 or Sysadmin2 must sign the letter - Send the completed letter to RHB Centre - Our Customer Support will contact you

6.1 - How to change Token Pin Number

6.2 - How to Unlock Token

To include Designated Fund Transfer, Autodebit / Auto Credit / Bulk Payment, email us at reflex_support@rhbbank.com.myor write to us at:

RHB BANK BERHADCash & Payment Operations DepartmentLevel 3, Tower 3, RHB Centre,Jln Tun Razak,50400 Kuala Lumpur.

If you require further clarification on the file format, please contact Reflex Training via Reflex support at 03-9207 8383.

Selangor and Wilayah Reflex Implementation Trainers are based at RHB Centre; you can contact us for hands on training approximately 2-4 hours in duration for free of charge or at your premise at RM150 training fee charges. Please contact us for appointment.

Customer Service operating hours: 8.45am - 6.45pm (Monday - Thursday)

8.45am - 5.45 pm (Friday)

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