General:
What can I do with Online Cash Management?
Can I copy and paste content?
When can I use Online Cash Management?
Can I export my financial information to Quicken or other accounting software packages?
Why does my session time out?
How many accounts can I access?
How do I get additional help during a session?
What should I do if I need help accessing Online Cash Management?
What should I do if I forget my User Name or Password or the Company Name or Company Password?
I am having difficulty connecting to Online Cash Management; what should I do?
Is there a person I can call if e-mail is down?
Are transactions processed in real time?
Is there a limit to the number of accounts I can add?

System Access:
Can I set up different access privileges for my employees?
I have more than one account at City National. Can I transfer funds between my accounts?

Balance Reporting:
How far back can I view my transactions?
Can I change the dollar level that triggers the Balance Alert?
What is included in the account statement?
What is the difference between the current balance, the available balance, the collected balance and the ledger balance for my checking account?
Can I pull an image of a deposit ticket?

Browser:
What are the browser requirements?
Can I use a beta browser to bank online?
What makes one browser more secure than another?
Why does City National Bank require 128-bit encryption?
Why doesn't the "back" or "forward" command for the browser work correctly?

Security/Encryption:
Is Online Cash Management safe and secure?
How does City National protect my privacy?
How do I know if my banking session is encrypted?
What is the difference between 128-bit, 40-bit, and 56-bit encryption?

A.

• Obtain summary and detail transaction information (checking/savings).
• Obtain balance information on deposit accounts, investment accounts and loans.
• Process account-to-account transfers.
• Obtain images of paid checks.
• Process stop payment requests.
• Establish balance alerts when the account balance rises above or falls below a predefined threshold.

• Process wire transfers. Originate ACH transactions.
• Submit check issue information for Account Reconciliation.
• View Positive Pay Exception Items and submit pay or no pay decisions.
• Pay bills electronically.

• Current balance is your balance as of right now. It includes any transactions that have been posted online to your account during the current processing day.
• Available balance is the balance in your account that is available for you to use. This balance may be lower than your current balance when holds are placed on deposits.
• Collected balance is the balance in your account that has been collected. This balance reflects the impact of float on your deposits.
• Ledger balance is the balance in your account at the end of the prior business day. Companies typically use this balance to reconcile their bank accounts.

For Windows Users:

• Internet Explorer version 5.5 - 6.0  with 128-bit encryption
• Netscape Communicator versions 4.6 - 4.7 with 128-bit encryption.

For Macintosh Users:

• Internet Explorer - not supported
• Netscape Communicator versions 4.5 - 4.7 with 128-bit encryption.

• Some browsers allow you to encrypt information, so that the information is scrambled as it passes over the Internet.
• Some browsers offer more secure forms of encryption than other browsers do.
• Even the same version of a browser can come with different levels of encryption. (Netscape Communicator 4.7, for example, comes with either 56-bit standard encryption or the more secure 128-bit encryption.)

• Strong Encryption (128-bit). All data sent to and from City National is "scrambled" and "reassembled" between City National and your personal computer to help protect your personal and financial information. 128-bit encryption, the highest level of encryption generally available today, means there are 2¹²⁸ possible combinations of "keys" but only one will "unlock" the information.
• Four-tier Logon. The Company ID, Company Password, User ID and User Password must be entered to access account information.
• Automatic Time Out. When there is no activity for a company-defined period of time, City National will terminate your Online Cash Management session to help protect against unauthorized access.

• Click on the "Security" icon/button at the top of the browser. A new window will open.
• Click on the Navigator link on the left hand side.
• Scroll down the right side to the "Configure SSL v3" button and click on it.
• Check for RC4 encryption with a 128-bit key.
• If you do not have 128-bit encryption, you will need to go to the Netscape Web site to upgrade.

• Click on "Help," then "About Internet Explorer."
• You will see a new window with version and Cipher security.

• The difference between these types of encryption is one of capability. 128-bit "high or strong" encryption is exponentially more powerful than 40-bit or 56-bit standard encryption.
• Standard encryption (40-bit or 56-bit) means there are 2⁴⁰ or 2⁵⁶ possible keys that could fit into the lock that holds your account information but only one that works for the Online Cash Management session.
• So there are many billions of possible keys that could potentially get to your account information, but only one that works each time you bank online.
• "High" or "Strong" encryption (128-bit) means there are 2¹²⁸ (if you were to write the number down it would be 34 with 38 zeros after it) possible keys that could fit the lock that holds your account information, but only one that works for each Online Cash Management session. So a hacker attempting to get to your account information would need to use a computer with exponentially more processing power than for 40-bit or 56-bit standard encryption to find the correct key.

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