Easy, fast and safe! A complete guide for a proud ABO user

Aruba Bank N.V.Camacuri 12P.O. Box 192, Oranjestad, ArubaT (+297) 527 7777F (+297) 527 7715info@arubabank.com

“Log in anytime, anywhere!”

Aruba Bank Online

The ABOpass is the most highly secured online banking system in the world. Use your ABOpass for approving transactions, also known as a digital signature.

Online Banking with Aruba Bank is easy, fast and safe.

This manual will guide you on how to:A. ABOpass page 4B. Access abo with abo pass 5C. Personalization 6D. Daily activity 7E. Account summary 8F. Payments 10G. External Transfers 12H. Internal Transfer 14I. Dual approval 16J. Stop Payment 17K. Bill payment 18L. Unlock your abo pass 20M. Audit report 21N. Bulk Payments 23O. Block Account 29P. Request checkbook 31Q. Frequently Asked Questions 32

For any more assistance please visit our ABO site for tutorials on different subjects.

Welcome to ABO

Our Aruba Bank Online (ABO) service offers you the safest and most advanced onlinebanking service. ABO gives you the possibility of banking any place, anytime as long as you have access to a computer or mobile with Internet connection. Transfers and payments can be managed with a simple click of the mouse.

ABO allows you to make online payments, check your balance, transfer money to your savings accounts, transfer money to other accounts (local or other international countries), or block a check that has been lost and more.

At Aruba Bank we are constantly re-evaluating our security measures in an attempt to eliminate the evolving Internet and computer security threats. Therefore we choose to use a PIN entry device: ABOpass.

Your ABOpass gives you a double layer of security. It cannot be used without your PIN, making it useless to someone else, should it be lost or stolen.

With ABOpass your financial information is always protected. With the use of your PIN, the ABOpass generates a one time password each time you login.

3

A. Your ABOpass

ActivateTo activate your ABOpass you need to:

• go to our website www.arubabank.comand click on

• select Aruba Bank Online [ABO]

• have both your Customer ID number(6 digits) and your PIN number availablethat was part of the ABOpass packagedelivered to you by the bank.

Please follow the steps to activate yourABOpass:

Step 1 Press to turn on your ABOpass

Step 2 Enter your 4 digit PIN number stated in the letter

Step 3 Enter your NEW PIN

Step 4 Enter your NEW PIN again to confirm

You have now successfully changed yourPIN number. Starting from now you willneed to use your PIN number each timeyou log-in.

You will also need your PIN number to

approve any of the following: External and Internal Transfers, Stop Payments and Billl

Payments. The explanation of these steps

is described in this brochure.

4

Note: It’s important to keep your Secret Verification Code (SVC) number safe in a secure place since you will need this number in case you lock your ABOpass.

What you should know about your ABOpass:Select from option:

1. Sign on

2. approve a transaction (digital signature)

ABOpass PIN:

Fail 3x how to reset (see L)

Battery low:

Contact bank

Password failed 3x

User account will be disabled, need to

contact bank to activate account.

B. Access ABO with ABOpass

Once your ABOpass has been activated and having yourown secret PIN, use the following steps to access ABO:

Step 1 Enter Customer ID (6 first digits of your ABO Account Identification)

Step 2 EnteryourUserID(ifsub-user)* otherwiseleaveblank

Step 3 Press to turn on the ABOpass

Step 4 Enter your 4 digits PIN Number Step 5 Press number 1

Step 6 Enter on your computer the one time password generated by the ABOpass

Step 7 Click on

* If you are not a sub-user this field remains empty.

5

C. Personalization

You can assign a title for each of your accounts. This will make it easier for youto distinguish between your different accounts when making or viewing a transaction.

Follow these steps to add a title to each account:1. Select ‘Personalization’ from the menu on the left.2. Assign the names as seen on the example below.3. Click on ‘Submit’ to activate changes.

You can now identify each account when you do a transaction.

Account PersonalizationYou may assign a friendly description to each account.

Once assigned, the description will appear in the summary.Account Summary

6

D. Daily Activity

The Daily Activity Option gives you the option to select and print the ‘Daily Activity’ ofall the accounts that you would like to review in one time.

Follow these steps to display the ‘Daily Activity’ service:1. Select ‘Daily Activity’ from the menu on the left.2. Select the accounts that you would like to see in the report.3. Select a specific date.

A PDF is generated. For each account a page will be displayed. This page will showall transactions of that account for that specific date. It is possible to view, print,save or e-mail this page.

7

E. Account Summary

After you have logged in, the ‘Account Summary’ screen will appear.The screen provides a summary of the accounts associated with your Customer ID which you have selected.

By clicking on the blue underlined fields (hyperlinks), you can inquire on balances and transactions for each of your accounts. Please keep in mind if you have more than one Customer ID, you will need to click on the dropdown list of Customer ID’s that is on the top left hand side of this screen. If you would like to display more accounts, just select the specific Customer ID.

8

Statement RangeIf you would like to view the transactions history of your account, the following display allows you to choose the reporting period for the statement request.

Follow these steps:1. Select the statement period. And/ or select the range of amounts to be reported on and also the order of reporting.2. Select whether you want the report to appear on the browser screen or have it sent to your PC as an Excel or other file format. You have the option to select different download formats (Excel;QIF;OFX;CSV;ASCII;MSMoney). Click on ‘Submit’ to display the results of your request.

While on the transaction detailed page , if you want to see more details of the transaction you can click the line under the date of the transaction (hyperlinks).

9

F. Payments

There are 3 different types of payments, namely:1. External Transfers (see G)2. Internal Transfers (see H)3. Bill Payments (see K)4, Bulk Payments (only applicable for corporate clienst, see N)

These types of payments with all their possibilities will be explained separately.First we will provide you with information about some general features.These can be applied for External, Internal Transfers and Bill Payments.

Scheduled and Recurring PaymentsABO provides you with the flexibility to schedule a payment in advance andapprove this at the time of creation. This payment will be kept until the scheduledday arrives, at which time this will be executed. User can create an one time scheduled payment or create recurring payments with specific intervals. The scheduled payments will be checked against available balance at the time of posting.If sufficient funds is available this will be executed if not it will reject posting andnotify the user. The scheduled payments can be modified or deleted before thescheduled date arrives. You can click on the ‘inquiry’ option to get an overview ofall your scheduled payments.The client will receive notifaction of the upcoming payment a few days before the scheduled date and another notification will be sent when payment has been processed.

10

See example below:

11

The External Transfers service also knownas ‘Money Transfer’ represents the transactions done between your account and other accounts at Aruba Bank, other local banks or foreign banks (Wire transfer). You can create a new transfer, create atemplate or create another transfer froman existing transfer. You can also modify,delete or inquire on the status of a transferand view the rejected transfers as well asapproved transfers.Note: Credit card payments should be processed using the option ‘Bill Payment’.The following provides an explanationof the steps to take when performing an‘External Transfer’.

Follow these steps to create a‘Money Transfer’1. Select ‘External Transfers’ from the menu on the left.2. Click on ‘Create new’.3. You can change the reference number of a transaction to a more meaningful description.4. To select the currency that you would like to use, go to the pull down list and select the currency of the transfer. Please note that transfers to local banks are only allowed in AWG.5. Type in the amount that you would like to transfer.6. Choose the account from which you will pay from the list of accounts you have available.

G. External Transfers 7. Type in the account number of the beneficiary, beneficiary’s name and address.8. Select the beneficiary’s bank of the drop down list. Make sure you select the correct bank, otherwise the payment cannot be processed.9. Always enter a description in details of payment field. Please note that this description will be printed on both your statement as the beneficiary’s statement.10. Once you have verified correctness, click on ‘Submit’.11. Go to the next page.12. Choose ‘Approve’ from the list.13. A list of all transfers pending to be approved will appear.

Select a ‘Money Transfer’ to ApproveTo approve one or more transactionsselect the transfer(s) you want to approveor ‘Select all’ if you want to approve thetransfers all at once.

12

Foreign Transfers• Foreign Transfers require additional information. Note: If the transfer is to a European bank, you need to add an IBAN number in the account number field. • Select the “Reference Code” <Reason of Transfer>.• The regular transfer costs for foreign ‘SWIFT’ transfers will be applied.• Fill in description field.

Global ApprovalIf you have more accounts under different CIFS available on ABO, choose ‘Global Approval’ option to see and approve group of transactions. All transactions to be approved will be displayed. This is also a good time to review all transactions for correctness. Note: applicable for all modules: External Transfer, Internal Transfer and Bill Payment.

Detail of Foreign Bank chargesForeign Bank charges are applied by the foreign banks and consists of: • Correspondent Bank charges• Receiving Institution Charges• Intermediary Bank charges when applicable.

Approve transactionTo confirm the approval of the transaction,you will need your ABOpass.Follow the steps on your computer:1. Press to turn on your ABOpass2. Enter your PIN Number on your ABO pass APPL1 appears on your ABOpass screen3. Press number ‘2’ in your ABOpass 1 _ _ _ _ _ _ appears on your ABOpass screen4. Enter the Challenge Code which appears on your computer screen on your ABOpass5. Press and hold until ‘2’ is shown on your ABOpass screen6. Press one time again to receive your ABOpass Approval Code7. Enter Approval Code generated by ABOpass in your computer8. Click on ‘Approve’

13

Transaction charges on the Sender’s side are to be borne by the ordering customer, transaction charges on the Receiver’s side are to be borne by the beneficiary customer.

Sender accepts to pay all Foreign Bank charges. Note Foreign banks will charge sender at a later time.

The Internal Transfers service representsthe transactions done between your ownaccounts online.

Create an Internal Transfer

Follow these steps to perform anInternal Transfer:1. Select ‘Internal Transfers’ from the menu on the left.2. Click on ‘Create New’.3. Type in the amount that you would like to transfer. To select the currency that you would like to use, go to the pull down list and select the currency of the transfer.4. From the list of accounts available, choose the account that you would like to transfer from and the account to be transferred to.5. Once you have verified correctness, click on ‘Submit’.6. Go to the next page.7. Choose ‘Approve’ from the list.8. A list of all transfers pending to be approved will appear.

H. Internal Transfers

14

You will receive an email message fromthe bank after the transaction is processedby the bank either to inform you that thetransaction is:• approved.• rejected with a reason.Please note that Money Transfers andwire transfers sent after 12:00 pm willbe processed the next business day.

Select for approvalTo approve a transaction(s) select thetransfer(s) you want to approve or‘select all’ if you want to approve thetransfers all at once. All transactions tobe approved will be displayed; this is agood time to review for correctness.

Approval confirmationTo approve the transaction, follow the steps on the screen. The steps are exact the same as with an External Transfer approval. Global approval is also possible (see page 13). The transaction will be processed automatically and immediately. You will get confirmation that the transfer has been processed on your screen. It’s also possible to schedule Internal Transfers.

Create from previous transferIt’s possible to create a transfer usinginformation from previous transfer.Click on ‘Create From Previous InternalTransfer’ and select the previous transferthat you would like to use.

15 16

I. Dual Approval User can request to have the ABO account setup for dual validation. This means that all transactions must be approved by 2 users. In order to do this the main user must create sub-users and give them options to create and approve.

The first user will create the transfermessage and have this approved once.Next the 2nd user must sign-in and dothe second approval for the transfer to go out. A transfer with only one approval will stay in the approval option until the 2nd user approves the transfer. This is done for dual validation purposes, used by companies that require dual validation, but is not restricted to.

A company can set up several users with different approval limits depends on the lowest approval limit between the two users. The system will validate the account to approve. Subuser can also be set to approve specif accounts only.

ExampleDual validation table

limit

mainuser 200.000Subuser 1 200.000Subuser 2 100.000Subuser 3 50.000

Mainuser + Subuser 1 = 200.000Mainuser + Subuser 2 = 100.000Mainuser + Subuser 3 = 50.000Subuser 1 + Subuser 2 = 100.000Subuser 1 + Subuser 3 = 50.000Subuser 2 + Subuser 3 = 50.000

The Stop Payment service gives you the op-tion to stop a personal check that has been lost or stolen via our Aruba Bank Online Banking service.

Create a Stop Payment

Steps to create a Stop Payment:1. Fill out the reference number of the transaction.2. Select the account number you would like to use for the Stop Payment or remove a Stop Payment.3. Type in the range of checks or check number and amount on the check, fill out all required fields and click on ‘Save’.4. Go back to the Stop Payment menu and select ‘Approve’

J. Stop Payment 5. After approval, the Stop Payment will be submitted for further process in the bank. This will take maximum 2 hours after the request has been sent.

Select for approvalTo approve the ‘Stop Payment’, click on thereference number of your transaction. Thedetails of the transaction you wish to per-form a ‘Stop Payment’ on will appear.

Approval confirmationFollow the steps described on yourcomputer screen to confirm the approvalof the Stop Payment. The steps are exactthe same as with an External Transfer(see pages 12 and 13).Note: Only permitted for lost or stolen.The bank reserves the right to decline aStop Payment request, if it considers thatthese rules were not followed correctly.

17 18

K. Bill PaymentThe Bill Payment service enables you topay vendors online. You can pay your utilitybills online or you can select from the list ofvendors from the dropdown list to processseveral payments including Aruba Bankcredit cards, Aruba Bank Insurances,Tax payments and more.

Create a Bill Payment

1. Select the ‘Payee’ that you would like to pay, click on the pull down list and select the ‘Payee’. Payees require different information to be entered.2. Carefully review the information required to be able to perform the Bill Payment.3. Enter the amount that you would like to pay.4. Now choose which of your accounts you would like to pay from.5. When you are finished, click on‘Save’.

Select for approvalClick ‘Approve’ on the next screen. Select theBill Payment you would like to approve byclicking on the reference number. The details of the transaction you wish to perform will appear.

You can create as many Bill Payments as you need and then do a bulk approval.

ApprovalFollow the steps described on your computer screen to approve the Bill Payment. The steps are exact the same as with an Internal Transfer approval. You will get realtime confirmation. Global approval is also possible (see page 13). You can print a receipt for every Bill Payment for your own back-up or reference. You can also print a payment confirmation from a previously payed Bill Payment. For more details about Bill Payment, see page 11.

Create from previous Bill PaymentIt’s possible to create a transfer usinginformation from previous transfer.Click on ‘Create From Previous Bill’ andselect the previous payment that youwould like to use.

Favorite Payee ListIt is possible to personalize your own short list of selectedvendors from the payee list. This will facilitate the processwhen you often need to pay the same vendors.This personalized list can be modified and updatedat any time.See example:

19 20

L. Unlock your ABOpassOnce you enter a wrong pin three (3) times, your ABOpass will automatically lock.To unlock your ABOpass, you need to have available the Secret Verification Code that waspart of the ABOpass Package delivered to you by the Bank.Please follow the quick and easy steps described below to unlock your ABOpass:

Step 1 Enter your Customer ID on your computer screen

Step 2 EnteryourUserID(onlyforsub-users)*

Step 3 Press to turn on the ABOpass

Step 4 Enter the number shown on your ABOpass on your computer screen Step 5 Enter your Secret Validation Code Step 6 Click on ‘Get Unlock Code’ Step 7 Press for ABOpass to display

Step 8 Enter ABOpass Unlock Code that appears on your computer screen

Step 9 Enter your New PIN

Step 10 Confirm your New PIN

Step 11 Click on ‘Sign-on Page’ Your ABOpass is unlocked and ready for use.

* If you are not a sub user, this part remains blank.

-------

M. Audit ReportThis option can give you an overview of allyour Money Transfers, Internal Transfersand Bill Payments.Define Audit Details

.

Checkbook request option• User can send a checkbook request

using the e-mail option ‘select checkbook’.

• Select checkbook size and pickup location.

21 22

N. Bulk Payments

How to create a Bulk PaymentThere are two methods to perform a ‘Bulk Payment’:1. By manually inserting all your required transactions one by one or2. By uploading a fi le in ACH or TP0 format containing your required transactions, which will be processed to your payees or employees.

1. Create a Manual Bulk Payment• First click on ‘Bulk Payment’ in the menu.

• Select ‘Manual Input’ to start with your transaction.

Fill in header of Bulk Payment• Type the “Total amount of the Transfers” that you will be processing.• Choose the current account from which you will pay, from the list of accounts you have available.• Select the purpose of this transaction from the drop down list.

Fill in details of Bulk Payment Add new row Duplicate this row Delete this row

• Select the beneficiary’s institution (bank) from the drop down list. Make sure you select the correct bank; otherwise the payment may be misdirected.• Type in the beneficiary’s account number, the beneficiary’s name, the amount of the transaction and fill in the description field.

Note:1. The description used will be printed on the statement of the beneficiary;2. The number of transactions needs to be more than one in order to use this ‘Bulk Payment’ feature;3. The transaction will not proceed if there is a difference between the total amount of transfers (as filled in the header) and the total beneficiaries amount (as filled in the details) are not in balance.

23

• Once you have completed the input, click ‘Submit’.• Review the contents for correctness and click ‘Confirm’; or click ‘Back’ if correction is needed.• A unique ‘Bulk Payment’ reference code is created for each ‘Bulk Payment’. Retain this code and use to match with the ‘Bulk Payment’ transaction confirmation.• Click ‘Next page’.

2. Create Bulk Payment with ‘Upload’ –file

Fill in header of Bulk Payment• Type the total amount of the transactions (file total) that you will be uploading in your ACH file or TP0 file.• Type the number of transactions (total records in file) that you will be uploading.• Choose the current account from which you will pay from the list of accounts you have available.• Select the purpose of this transaction from the drop down list.• Select the file type that you will be uploading from the drop down list (ACH or TP0).• Browse on your computer to locate the fi le that you will be uploading.• Click ‘Submit’ once you have verified for correctness. A unique ‘Bulk Payment’ reference code is created for each ‘Bulk Payment’.• Your file with transactions will be uploaded and will be displayed.• Review the contents of your ‘Bulk Payment’ for correctness and click ‘Confirm’, or go ‘Back’ to modify the ‘Bulk Payment’ header if necessary.• A unique ‘Bulk Payment’ reference code is created for each ‘Bulk Payment’. Retain this code and use to match with the ‘Bulk Payment’ transaction confirmation.• Click ‘Next page’.

24

3. Approve the Bulk Payment

Choose ‘Approve’ from the list.1. User with fi rst approval authority in case of dual approval • Click ‘Approve’ or ‘First approval’ depending on the user profile setup • A list of transactions pending to be approved will appear

• Select a ‘Bulk Payment’ to approve • Verify entered information of the ‘Bulk Payment’ and click ‘Approve’

2. User with second approval authority with dual validation • Click ‘Second approval’ • Continue with ABO steps for approval to complete the ‘Bulk Payment’

Note: In case of Dual Approval, the fi le is sent to Aruba Bank for screening after the second user approves the transaction.

Processing by Aruba Bank and e-mail confirmationThe ‘Bulk Payment’ transaction will be processed by Aruba Bank. You will receive an e-mail message from the bank with the following information: • Reference # per record • Status per record

25

4. Status descriptionYou can view the status of your ‘Bulk Payment’ transaction by clicking on ‘Inquiry’ on the ‘Bulk Payment’ page:

Status ABO Business User Aruba Bank

Pending Execution Approved by user Pending processing Aruba

Bank

Pending Approval Pending user single or

dual approval

N.A.

Partially Executed Approved by user Partially processed and partially rejected by Aruba Bank. (below a list of reasons for rejecting a record)

Fully Executed Approved by user Approved and processed by Aruba Bank

Rejected for Revision Approved by user Manually rejected by Aruba Bank

When you click on ‘Inquiry’ you will view a list of all your ‘Bulk Payment’ transactions. If you open one of these ‘Bulk Payment’ transactions, you can view the status of each record in that specific ‘Bulk Payment’ transaction.

The following status may apply for rejecting a record in a ‘Bulk Payment’ transaction:1. Dormant account (account inactive for longer than 2 years)2. Invalid account3. Beneficiary account blocked/ closed4. Insufficient funds (this will apply for all records in ‘Bulk Payment’)

5. Set-up recommendationFor maximum security for your Company, we recommend the following User/Sub-user settings in your ABO Business account:1. Setup a second ‘Sub-user’ with only approval authority.2. Setup a first ‘Sub-user’ with only creation/ uploading (no approval) authority.3. Setup either a ‘Main-user’ or a third ‘Sub-user’ with approval and deletion authority.

26

Note:1. For above recommended setup, the ABO user profi le should be set to Dual Authority Approval.2. The ‘Modify’ feature is optional. If the Main-user or Sub-user is authorized to ‘Modify’, this feature should be activated.3. The total amount limit is determined by your company’s Corporate Governance at client’s discretion upon signing of the Authorization Letter.

6. Cut-off time ‘Bulk Payment’ transactions‘Bulk Payment’ requests will be processed at the Aruba Bank transfer department. All ‘Bulk Payment’ transactions received before 1:00pm local time, on a local business day, will be processed the same day. You will receive a confi rmation of your transaction by e-mail and you can monitor the status your transaction 24/7 on ABO. All ‘Bulk Payment’ transactions received after 1:00pm local time, on a local business day, may be processed the next local business day.

If: BusinessOwnerwantsto giveUser theAuthority

Then:the followingset-upin ABO isrequired

User Create Modify Approve UserInquire Delete Create/Approve

BulkTransfer

AmountLimit

Approve/Delete/Inquire

Main-User

x x x x x x Pre-set withABO BusinessAuthorizationLetter by BusinessOwner

Approve Sub-User 1

x x x x Pre-set withABO BusinessAuthorizationLetter by BusinessOwner

Create/Upload

Sub-User 2

x x x x Pre-set withABO BusinessAuthorizationLetter by BusinessOwner

Recommended ‘Bulk Payment’ user setup in ABO with Dual Approval

27

O. Block Account

In case your ATM card has been lost or stolen, follow these steps to instantly block your account to avoid misuse of your account:

Step 1 Login to ABO with your ABOpassStep 2 Select the Menu option “Block Account” in the left side menu optionsStep 3 Select the Account to be blockedStep 4 Press “Submit” to confirm to block the account

You will receive a confirmation screen verifying that your account has been blocked.

In order to unblock your account, visit your Aruba Bank branch and one of our Customer Service representatives will assist you. Please present a valid ID. Your account will be re-actived on the next business day.

28

29

P. Request Checkbook

As ABO user, you can send a new checkbook request by using the e-mail option

Step 1 Select ‘Check Order Form’ from the E-mail listStep 2 Fill in the field with your detailsStep 3 Select checkbook size and the branch where you want to pick up your checkbookYou can pick up your checkbook at selected branch after 2 business days.

30

Q. Frequently Asked Questions

Can I use the ABOpass outside Aruba?Yes, you can use your ABOpass everywhereyou have Internet connection 24/7.

How can I apply for Aruba Bank Online?Visit our website www.arubabank.com andapply online for ABO.

What is the number of days of deliveryfor a new ABOpass?Three (3) working days.

Do I get a PIN number of the Bank?When you pick up your ABOpass you willget a letter with a PIN number and yourSecret Verification Code (SVC). When youactivate your ABOpass you need to changethis PIN number. After you changed yourPIN number you will need to continue withthis PIN number.

How can I change my PIN number?To change your PIN you have to1. Press start2. Enter your PIN number3. Press and hold4. Screen display ‘ enter new pin’5. Enter new PIN number6. Enter new PIN again to confirm

What do I do if I lose my ABOpass?Call the bank immediately to block yourABOpass. Visit the bank to apply for a newone. What do I need to do when ABOpass isdamaged?Visit one of our branches with the damagedABOpass. You will have to fill in a requestform to get a replacement ABOpass.

How do I know which ABOpass belongto me, especially among sub-users?You will receive an e-mail with subject‘ABOpass request ID’ . This e-mail containsboth the Customer ID and user (sub-user)ID numbers or names and correspondingRequest ID number. These request ID cor-responds to the envelope number that the main user will receive for each sub-user. With this information the main user can distinguish between request numbers to whom each package pertains.We recommend you memorize your serialnumber (on the back of the ABOpass) or puta small sticker to distinguish your ABOpassfrom other ABOpass users.

31

I would like to create a sub-user.Is this possible?If you wish to give more people access toyour online account, you can as a mainusercreate sub-users yourself. To do thatyou should select the ‘User Administration’option on your ABO menu and select createa user. Once the user has been createdthe bank will get notification and willprepare an ABOpass for this new sub-user.Only you as the main-user can pick-up theABOpass at the bank.

I am a main-user; do I need to pick theABOpass for my sub-users?Yes, the main-user needs to pick-up theABOpass for the sub-users and sign forreceipt. The main-user is responsible forthe sub-users.

How do I know I am a main-user orsub-user?If you have been assigned a user ID andpassword by the owner of an account thenyou are a sub-user and you need to enterthe ABO Customer ID and USER ID to loginto ABO. If you are a main-user then youwould have received your Customer ID andpassword from the bank.

What is the battery life of an ABOpass?Five (5) years. When your battery is deadyou can contact the Aruba Bank and wewill supply you with a new one.

What happens if I make an errortyping wrong PIN in ABOpass?Your ABOpass will display ‘fail1’ press to go back and enter PIN numberonce again. After 3 times entering a wrongPIN, your ABOpass will be blocked. To un-block your ABOpass you need to follow thesteps that are mentioned under the link‘Unlock ABOpass’. To unlock your ABOpassyou need to have your Secret VerificationCode. This code is stated on the PIN mailer,which you received from the bank on theday you picked up your ABOpass.

Can I send a wire transfer?Yes, a wire transfer minimum of AWG 200,-is required. A transfer amount below AWG200,- will be rejected.

Can I send dollars or other currencyto local banks?Only local currency can be transferredbetween local banks as per Central Bankrules. If you need to send US Dollar currencythen you can send it by selecting the localbank USD. However this will be considered awire transfer and wire transfer charges willbe applied.

32

If I need to send Dollars to a localbank to pay my Credit Card whatshould I do?The Central Bank does not allow transfersbetween local banks in foreign currencies.In this case you should send the amount inlocal currency.

If I want to pay my credit card throughABO, can I use the Money Transferoption?No, to pay your Aruba Bank credit cards youshould use the Bill Payment option andselect USD currency

Questions?Do you need more information?Please check our ‘Tutorial’ on ABOfor more information.

ABO pass HelpdeskForget your Customer ID, lost your ABOpassor you don’t know how to handle further?Call our ABOpass Helpdesk (+297) 527 7843.

33