MCBGroupDirect Internet Banking for Commercial Customers Maduro & Curiel's Bank N.V. is the leader of Banking Innovations. MCB introduced MCB@Home, our Personal Internet Banking system in 1999. Now we proudly announce the re-launch of MCBGroupDirect, our renovated and re-designed Commercial Internet Banking system for the 21st century.

What is MCBGroupDirect ?
MCBGroupDirect is a Commercial Internet Banking system, designed to be used by all type of businesses and organizations. MCBGroupDirect is available 24 hours a day, 7 days per week and accessible from all over the world.

What can you do with MCBGroupDirect ?
All banking needs can be met with MCBGroupDirect, by providing the customer the following services.

• Account information:
  View balances of all types of accounts held at our bank. These balances are updated throughout the day.
  Retrieve current account statements electronically at the start of each business day.
  Search for transactions up to 90 days old, and download transaction history in an industry standard format.

• Account transfers:
  Transfer funds between one's own accounts.
  
  
• Third party payments:
  Pay anyone with an account at MCB, other local banks, MCB subsidiaries on the other islands.
  These payments can be either single transactions or batch transactions.
  International payments can be done by using the SWIFT transfers provided on MCBGroupDirect.

• File transmissions:
  Files generated in other applications like payrolls and accounts payables can be sent to the bank for processing. Beneficiaries can have accounts at MCB, other local banks or MCB subsidiaries.

• Bank Services:
  Request a stop payment on a cheque in case of loss or theft, or order a new cheque-book when needed.

What are the requirements for using MCBGroupDirect ?
Basically all you need is a computer with an internet connection from one of the local Internet Service Providers, and of course a browser.

We recommend these basic requirements:

• Hardware:
  • Pentium II or higher
  • At least 32 MB of RAM (64MB for Windows NT)
  • 15 MB free disk space
• Operating System:
  • Microsoft Windows 95 (Service Pack 1)
  • Microsoft Windows 98 (2nd edition)
  • Microsoft Windows 2000
  • Microsoft Windows NT
  • Microsoft ME
• Browser:
  • Internet Explores 5.5 (Service Pack 2)
  • Netscape Communicator 4.75 (128-bit encryption)
• Additional software:
  • Entrust Direct Client 5.0.2
• Internet Service Provider (ISP):
  • Account with a company that provides you with a connection to the internet

How secure is MCBGroupDirect ?
We guarantee full proof security with the use of MCBGroupDirect, by providing the following features.

• Authentication and encryption trough use of Digital Certificates
  MCB issues a Digital Certificate to every user of MCBGroupDirect. This is a special permission to get access to the MCBGroupDirect website. Log-on to MCBGroupDirect is only possible with the digital certificate.
  We provide you with your own private key to enter our branch on the web.
• Use of a secured server
  The MCBGroupDirect application is located on a server in a secured environment at the bank. This secured environment provides the user a one to one connection with the bank, while being on the internet.
• Managed password features
  Each user of MCBGroupDirect gets his/her own user-id and password, to which the rights of the user are tied. Information of all users is stored on the bank's server. Whenever changes have to be made on a user's rights, this has to be requested to the MCBGroupDirect administrator at the bank. This ensures that all users and rights are carefully documented and accounted for.
• Segregation of duties
  Segregation of duties can be applied according to organizational structure of the company. Amount limits can be applied to both creation and authorization of transactions, at user level.
• Activity log
  All transactions done trough MCBGroupDirect are recorded in an activity log, with date, transaction type, amount, confirmation code and user name. At any time managers can check which transactions were done by whom.

What advantages does MBCGroupDirect offer?
MCBGroupDirect offers numerous advantages to all commercial customers. These are just a few of them:

• Immediate access to all the MCBGroup banks in the Netherlands Antilles and Aruba through a single portal on the internet, by logging in only once.
• 24/7 access to our banks from all over the world.
• Instant financial information of all your accounts at our banks anytime at your fingertips
• Possibility to schedule a recurring transaction or a transaction for one time posting on a future date.
• Minimal chances for errors through the use of aliases (account names that the customer uses in his everyday administration) instead of account numbers.
• Timesaving and less errors through the use of transaction templates that can be re-used.
• Online instructions for the creation of transactions.
• Professional helpdesk to give telephone support.
• Personal support on request.

How do you sign up for MCBGroupDirect?
Our professionals from the Automated Services Department are always at your service at 466-1683 and 466-1565, to provide you with information and sign you up. You can also send us an e-mail at mcbdirect@mcb-bank.com. If you still require more information, our professionals are always available to give you an in-depth presentation, upon request.