SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$

SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 1 SHAZAM BOLT$ Reference Guide This guide is intended for SHAZAM issuing financial institutions participating in SHAZAM BOLT$, and for SHAZAM financial institutions whose cardholders receive funds from SHAZAM BOLT$ cardholders. SHAZAM BOLT$, page 3 Integrating SHAZAM BOLT$ Into Your App or Web Portal 4 System Requirements for BOLT$ App 4 Authentication and Security, page 5 Cardholder Authentication 5 Device Security 5 Card Registration 6 Cardholder Enrollment, page 7 Login, page 12 Before Login 12 After Login 16 Features, page 17 Menu 17 Home — Cards & Balances 18 Send Money (BOLT$ P2P Payments) 25 Manage Recipient 32 User Profile 34 Login Preferences 35 User Settings 37 ATM Locator 43 About 44 Help 44 Feedback 45 Log Out 45 Troubleshooting, page 46 Card Use When a Card is Blocked 46 Forgot Username 47 Forgot Password 48 Handling Hot-Card Situations 48 On-Screen Error Messages 50 Cardholder Requests Made Via Text Message 51 Notification Options 52

SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 2 Activity Limits, page 54 Card Limit 54 Maximum P2P Daily Send Limit 54 Anti-Money Laundering (AML) Limit 55 PIN-Authentication Threshold Amount 56 Sample Email and Text Message Verbiage, page 57 Transaction Alerts 57 Suspicious Transaction Alerts 62 SHAZAM BOLT$ Notifications 64 SHAZAM BOLT$ Person to Person (P2P) Emails 72 Manage BOLT$ in SHAZAM Access, page 79 Functionality 79 Researching Transactions, page 82 Identify BOLT$ Balance Inquiries in SHAZAM Access Transaction Detail 82 Identify BOLT$ P2P Transactions in SHAZAM Access Transaction Detail 82 Identify BOLT$ Transaction Control Maintenance in SHAZAM Access Transaction Detail 83 SHAZAM BOLT$ Denials in SHAZAM Access 84 Using SHAZAM Reports, page 85 AML SHAZAM BOLT$ Activity (CD400-R) Report 85 Card Account File Maintenance (CD200-R) Report 85 Cardholder Institution Activity (SSR110) Report 85 Establisher Exception Journal (SSR105) Report 85 Establishing Institution Activity (SSR120) Report 85 Institution Settlement Summary (SSR130) Report 85 Mobile Activity (CM401-D) Report 86 SHAZAM Risk Management (FD020-R) Report 86 SHAZAM Security / Fraud Activity (SCD020) Report 86 Temporary Card Block (FW310-R) Report 86 Settlement and Balancing for P2P Transactions, page 87 Cardholder Reports and Settlement 87 Terminal Reports and Settlement 87 Change Log, page 88

SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 3 SHAZAM BOLT$ The SHAZAM® BOLT$™ service allows participating financial institutions to provide online and mobile card-management services to their cardholders. BOLT$ allows the cardholders of participating financial institutions to do the following:
  • View balance information for the primary account for each registered debit card.
  • Set up alerts for the following transactions, which are received via text (SMS) message, email, or both (additional fees are charged to the issuing financial institution for text messages):
  • Suspicious transactions (if your institution subscribes to SHAZAM Fraud Management Services)
  • Transactions over a cardholder-configurable amount
  • Internet and phone transactions (card-not-present)
  • Transactions outside the U.S.
  • Set up blocks for the following transactions:
  • All transactions (temporary card block)
  • Transactions over a cardholder-configurable amount
  • Internet and phone transactions (card-not-present)
  • Transactions outside the U.S. Note: Your cardholder can remove only blocks they’ve placed. Cardholders can’t remove a block placed by your financial institution or SHAZAM.
  • Send money to any cardholder if your financial institution subscribes to BOLT$ person-to-person (P2P) payments (mobile app only).
  • Regardless of whether your financial institution participates in BOLT$, all users of the SHAZAM BOLT$ mobile app can:
  • Receive money from BOLT$ cardholders.
  • Locate the ATMs closest to them. SHAZAM provides the following methods for cardholders to access BOLT$:
  • The SHAZAM BOLT$ web portal (http://bolts.shazam.net/) allows cardholders to access BOLT$ through a web browser on a PC, laptop, or mobile device. The web portal supports the following web browsers:
  • Mozilla Firefox®
  • Windows® Internet Explorer®
  • Apple Safari®
  • Google Chrome™
  • SHAZAM BOLT$ mobile app allows cardholders to access BOLT$ from mobile devices. Mobile app is available for free download for the following types of mobile devices:
  • SHAZAM BOLT$ for Apple® iOS®: available on the Apple App Store (https://itunes.apple.com/us/app/shazambolt$/id571486405).
  • SHAZAM BOLT$ for Android™: available on Google Play™ (https://play.google.com/store/apps/details?id=net.shazam.bolt&hl=en).
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 4 Integrating SHAZAM BOLT$ Into Your App or Web Portal SHAZAM also provides a BOLT$ Application Programming Interface (API). Financial institutions can use the BOLT$ API to integrate BOLT$ account alerts and account blocking into their own web portals and mobile apps. For more information about the BOLT$ API, contact your account executive. System Requirements for BOLT$ App The BOLT$ app is supported on the following smartphone operating systems:
  • Android 6.0 and higher
  • iOS 10.0 and higher The BOLT$ app is supported on all devices that support these operating systems. The BOLT$ app is optimized for smartphones but will also work on iPads and Android tablets. Fingerprint login is supported on an Android device only if the device supports the standard Android fingerprint authentication API. Login with Face ID® is supported on all Apple devices with Face ID, and login with Touch ID® is supported on all Apple devices with Touch ID.
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 5 Authentication and Security BOLT$ is available to your cardholders with POS-enabled debit cards. If a card can be used to make purchases, then it’ll work with BOLT$. Cardholder Authentication To offer BOLT$ to your cardholders, your financial institution must use one of the following authentication methods:
  • PIN-based authentication — SHAZAM or your online processor is able to perform PIN verification without receiving the Track 2 data located on the magnetic stripe of the card.
  • Plastics-based authentication — This process validates the last four digits of your cardholder’s Social Security Number (SSN) with his or her Primary Account Number (PAN) and the expiration date of the card.
  • Note: This product isn’t supported for ATM-only cards and savings-only cards. Additionally, if a card can be used to access more than one demand deposit account (DDA) or savings account, only the primary account is available. Device Security The BOLT$ app:
  • Certifies a mobile device’s ability to fully encrypt and secure cardholder information.
  • Enables a cardholder to create a unique username and password when signing up to use BOLT$.
  • Allows a cardholder to enable fingerprint login for the cardholder’s BOLT$ user account, if the device uses fingerprints for device security.
  • Doesn’t store the cardholder’s password, Social Security number (SSN) or financial institution account information on the mobile device.
  • Doesn’t send fingerprint information from the mobile device to SHAZAM. If your cardholder purchases a new mobile device and / or changes service providers, he or she must download BOLT$ to the new mobile device from the Apple App Store or Google Play Store. Note: Once BOLT$ is downloaded to a new device, the cardholder will log in to the app using his or her existing username and password to authenticate the new device. The cardholder can then enable fingerprint login, if the device uses fingerprints for device security. Cardholders must change their password after every 365 days. If a cardholder’s password has not been changed within the past 365 days, the password expires and fingerprint login is disabled on the cardholder’s mobile device. When a cardholder logs in to BOLT$ with an expired password, the cardholder is prompted to change the password before continuing.
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 6 Card Registration At card registration, SHAZAM:
  • Validates the bank identification number (BIN) is eligible for BOLT$ and additional services, such as BOLT$ P2P.
  • Validates the card is active and the current card expiration date matches to that on file.
  • Ensures the PAN matches the plastics record.
  • Compares the last four digits of the cardholder’s SSN to the PAN’s plastics record, if applicable.
  • Verifies the PIN via an interactive voice response (IVR) call, if applicable. Note: If a cardholder of a non-BOLT$ issuer creates a BOLT$ account to receive money, SHAZAM ensures the PAN is the correct number of digits in length, has the correct check digit, and has an expiration date in the future.
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 7 Cardholder Enrollment To enroll in BOLT$, follow the steps below. Note: These screenshots are from an iPhone. The Android app is similar to the iPhone app in appearance and function. The web portal provides similar function to the mobile apps apart from mobile-only functions such as text alerts and biometric security. Step Screen 1. Download BOLT$ for free from the Apple App Store or Google Play Store. Or, access the SHAZAM BOLT$ web portal (http://bolts.shazam.net/).

2. Tap Register.

SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 8 3. Use either of the following methods to enter your card number and expiration date:
  • Tap Capture Card to take a picture of your debit card using the device's camera. (The app must have access to the device's camera.)
  • Enter the card number and expiration date manually. After you enter the card number and expiration date, enable I accept Terms & Conditions and tap Next to continue. To read the terms and conditions before you accept them, tap the Terms & Conditions link to view the Terms & Conditions screen. Tap Done on the Terms & Conditions screen to continue cardholder enrollment. Step Screen
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
  • SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 9 4. Confirm the card is yours by entering additional information associated with your card. The information you enter depends on your financial institution's BIN settings.
  • Plastic-based authentication: Enter the last four digits of your Social Security number.
  • PIN-based authentication: Enter a phone number where you can be reached now. Verify the card number and expiration date and tap Next to continue. If the financial institution uses PIN-based authentication, an automated system calls the number that you entered. When you receive this call, enter the card's PIN when prompted.

Note: If the information that you enter doesn’t match the information on file with SHAZAM, you are prompted to enter the correct information. If the second attempt is unsuccessful, you will not be able to try again until midnight. Step Screen

SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
  • SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 10 5. Enter the following information for the user profile and tap Next.
  • Username
  • Password, Confirm Password Passwords must be between 5 and 32 characters long. Passwords must also contain at least one uppercase letter, one lowercase letter, one number and one special character , or *). Your password expires if you do not change it within 365 days.
  • Primary Email The primary email address must be unique. For example, a husband and wife who share an email address can establish only a single BOLT$ account.
  • Mobile Number Note: An asterisk (*) indicates a mandatory field that needs to be entered.
  • 6. Enter the following details and tap Next.
  • First Name, MI (Middle Initial), Last Name
  • Address
  • City
  • State
  • Zip Code Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 11 7. Tap Done to return to the login screen. SHAZAM sends you an email at your primary email address to confirm that the email address is valid. Tap the activation link in the email to activate your account before you login for the first time. If you attempt to log in without tapping the activation link in the email, the app prompts you to activate your account before you proceed, and SHAZAM sends you another email at your primary address with a new activation link.

You can log in successfully only after tapping the activation link in the latest email from SHAZAM.

Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 12 Login Immediately before and after logging in to BOLT$, you are presented with several options, as described below. Step Screen Before Login From the login screen, tap the following options:
  • Use Face ID, Use Touch ID or Use Fingerprint If biometric login is enabled in the app, a button that indicates the biometric login type is displayed. Supported types of biometric login include Face ID, Touch ID and fingerprint login on Android devices.
  • A more detailed explanation of these features follows.
  • Forgot Username See Troubleshooting for details.
  • Forgot Password See Troubleshooting for details.
  • Quick Balance A more detailed explanation of this feature follows.
  • Register (For New Mobile Card User) See Cardholder Enrollment for details.
  • ATM Locator See Features for details. Select Remember Me to set the device to remember the username. Disabling Remember Me or entering a different username will automatically disable the Quick Balance and biometric login features.
  • SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 13 Biometric login (Face ID, Touch ID or fingerprint) Enabling Biometric Login During First Login BOLT$ suppors biometric login on devices on which you have enabled biometric login (Face ID, Touch ID or fingerprint login on Android devices). The first time that you use BOLT$ on a device on which biometric login is enabled, you must log in with your username and password. After you successfully log in, the prompt for the supported method of biometric login is displayed.
  • To enable biometric login in BOLT$, scan your fingerprint (for Touch ID or fingerprint security on Android) or your face (for Face ID). You might also need to grant permission for BOLT$ to use the device’s camera or biometric login feature.

To continue without enabling biometric login in BOLT$, tap Cancel. Note: This method for enabling biometric login is available only the first time you log in after installation. To enable biometric login after the first login, you must log in with your username and password and tap Menu > Login Preferences. Login with Fingerprint (iPhone 8 and below or Android) If fingerprint login is enabled in the app, the app displays the fingerprint prompt automatically when you launch the app. Scan your fingerprint to log in with the username that is saved on the device, or tap Cancel to sign in with a different username and password.

If you make three consecutive unsuccessful attempts to access the account with a fingerprint, fingerprint login is disabled. To enable fingerprint login again, you must log in with your username and password and tap Menu > Login Preferences.

If the fingerprint prompt does not display, tap the fingerprint button on the login screen (Use Touch ID or Use Fingerprint) to access the fingerprint prompt. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 14 Login with Face ID (iPhone X and above) If Face ID login is enabled in the app, the app displays the Face ID prompt automatically when you launch the app. Scan your face to log in with the username that is saved on the device, or tap Cancel to sign in with a different username and password. If the Face ID prompt does not display automatically, tap Use Face ID on the login screen to access the Face ID prompt.

Quick Balance If the Quick Balance feature is enabled on a device, you can tap Quick Balance on the login screen to view the balance on all cards associated with your BOLT$ account.

Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 15 The Quick Balance feature shows only cards that are issued by BOLT$ financial institutions. If there are no such cards registered in your BOLT$ account, Quick Balance displays No eligible cards found. If the Quick Balance feature is disabled in the app, you cannot see the balances for the eligible cards. To enable Quick Balance, log in and tap Menu > Login Preferences. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc.

Page 16 After Login After you access the account, the app displays the Cards & Balances screen, which is the home screen of the app. You return to the Cards & Balances screen whenever you tap Menu > Home. The Cards & Balances screen displays all cards that are registered in the BOLT$ account, even if the cards are from two or more financial institutions. More details on these options are included in Features. When no cards are registered in the BOLT$ account, the Card & Balances screen displays no cards.

Note: If your BOLT$ account doesn’t contain a card, and you don’t log in for six months, the account is considered dormant and is purged. You must create a new account to use BOLT$ again. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 17 Features After enrolling in BOLT$, there are a number of different features you can use. Step Screen Menu Access the menu by tapping the menu button. Your username is displayed on the menu before any menu options. The menu options include:
  • Home
  • Send Money
  • Manage Recipient
  • User Profile
  • Login Preferences
  • User Settings
  • ATM Locator
  • About
  • Help
  • Provide Feedback
  • Log Out Send Money and Manage Recipient are available only if the account has at least one card issued by a BOLT$ P2P financial institution.
  • SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 18 Home — Cards & Balances When you tap Menu > Home, the app displays the Card & Balances screen. The Cards & Balances screen can show the following details for each registered card.
  • Financial institution name
  • Last four digits of PAN
  • Available Balance — The amount of money in an account that’s available for immediate withdrawal or other type of use. It represents the difference between the account balance and any activity that hasn’t yet cleared on the account (such as pending deposits, checks and withdrawals). Financial institutions sometimes put a hold on deposited checks to ensure their legitimacy, and the holds can last for as much as a week on larger deposits.
  • Ledger Balance — The actual balance on the account at the start of the business day. It's the balance that’s printed on financial statements. This is the balance that’s used to calculate interest payments on interest-bearing accounts. It's also the figure that’s used to figure out whether balance requirements have been met on certain types of accounts. It doesn't include pending activity. Note: Please refer to your financial institution’s balance-type definitions when discussing this information with cardholders.

BOLT$ displays card balances only for cards issued by a BOLT$ financial institution. If a card is not issued by a BOLT$ financial institution, the Cards & Balances screen displays NA as the balance. If you have such a card, you can only receive money on the card, change the card’s expiration date or delete the card. A card balance is blank if the card is issued by a BOLT$ financial institution but the balance is unavailable or can’t be displayed for any reason. You can tap a card to view Card Actions for that card. You can also tap Add Card to add a card to the BOLT$ account. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 19 Card Actions When you tap a card on the Cards & Balances screen, Card Actions are displayed for the card. The top of the screen shows detailed information about the card:
  • Last four digits of PAN
  • Financial institution logo or name and ABA number
  • Balance information when available
  • Valid Thru (expiration date) Tap Terms & Conditions to view the terms and conditions that are applicable to the card.
  • From Card Actions, you can perform the following actions:
  • Set alerts (if the card issuer subscribes to BOLT$). See “Set Alerts/Set Alerts & Blocks” on page 20.
  • Set blocks (if the card issuer subscribes to BOLT$ transaction control). See “Set Alerts/Set Alerts & Blocks” on page 20.
  • Send money to other cardholders (if the card issuer subscribes to BOLT$ P2P). See “Send Money (BOLT$ P2P Payments)” on page 25.
  • Change the card’s expiration date. See “Change Expiration Date” on page 24.

Remove the card from the BOLT$ account. See “Remove Card” on page 24.

Step Screen

  • SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 20 Set Alerts/Set Alerts & Blocks You can use BOLT$ to set card activity alerts and to block certain types of card activity. Certain features can be used only if the card issuer subscribes to these features.
  • If the card issuer subscribes to BOLT$ but not to BOLT$ transaction control, Card Actions displays the Set Alerts button. Tap this button to view the Set Alerts screen, from which you can set alerts for the card.

If the card issuer subscribes to BOLT$ transaction control, Card Actions displays the Set Alerts & Blocks button.

Tap this button to view the Set Alerts & Blocks screen, from which you can set alerts and blocks for the card. Block-related options are displayed on the Set Alerts & Blocks screen but not on the Set Alerts screen. Otherwise, these screens are identical. Alerts can be sent as emails. If the card issuer subscribes to BOLT$ text messaging, text alerts can also be sent as text (SMS) messages for all alert types other than BOLT$ notifications. Tap the Turn Card Off / On switch to place or remove a temporary card block. A temporary card block halts transaction activity on a card while an issue is being resolved.

For example, a temporary card block can be placed on a card if the card is misplaced. The Turn Card Off / On switch does not indicate whether your financial institution or SHAZAM have placed their own card blocks on your card, and you cannot use this switch to remove such card blocks from your card.

You may manage alerts or blocks for the following types of activity by tapping the option for that activity:
  • Transaction over a cardholder-configurable amount
  • Internet and phone transactions (card-not-present)
  • Transactions outside the U.S. You may manage alerts for the following types of activity by tapping the option for that activity:
  • Suspected fraud alerts (configurable only if your institution subscribes to SHAZAM Fraud Management Services)
  • SHAZAM BOLT$ email notifications for BOLT$ account setting updates Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc.

Page 21 Set alerts & blocks based on transaction amount On the Set Alerts screen or the Set Alerts & Blocks screen, tap Transaction Amount to manage alerts for purchases that exceed a card-specific, user-defined amount. If the card issuer subscribes to BOLT$ transaction control, you can also set BOLT$ to block purchases that exceed a card-specific, user-defined amount. You can receive email alerts at your profile's primary and secondary email addresses, which are displayed here. If the card issuer subscribes to BOLT$ text messaging, your profile’s mobile number is displayed here, and you can receive text (SMS) alerts at your profile's mobile number.

To receive alerts for purchases over a specified amount, enter the amount under Alerts and enable the switches for the email addresses or mobile number at which you want to receive the alerts. If you enable the mobile number switch and tap Submit, BOLT$ must verify your mobile number if it has not yet done so. For more information about this requirement, see Mobile number verification. To block purchases over a specified amount, enter the amount under Blocks and enable the Blocks switch. You can edit the profile’s secondary email address here. If you edit the secondary email address, SHAZAM sends you an email at the specified secondary email address to confirm that the email address is valid.

You must tap the activation link in the email before the secondary email address change takes effect. Mobile number verification If you enable text (SMS) message alerts in the app, the app must verify that you can receive text messages at your profile’s mobile number. Verification is needed only the first time that you enable text message alerts. The app will not need to verify your mobile number again unless you change your mobile number. To verify the mobile number, the app displays the terms and conditions for text alerts, and SHAZAM sends a text message with an activation code to your mobile number.

Review the terms and conditions, enter the activation code into the app when prompted, and tap Submit.

Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 22 Set alerts & blocks based on internet & phone transactions On the Set Alerts screen or the Set Alerts & Blocks screen, tap Internet & Phone Transactions to manage alerts for internet and phone purchases using the card. If the card issuer subscribes to BOLT$ transaction control, you can also set BOLT$ to block internet and phone purchases using the card. You can receive email alerts at your profile's primary and secondary email addresses, which are displayed here.

If the card issuer subscribes to BOLT$ text messaging, your profile’s mobile number is displayed here, and you can receive text (SMS) alerts at your profile's mobile number.

To receive alerts for internet and phone purchases, enable the switches for the email addresses or mobile number at which you want to receive the alerts. If you enable the mobile number switch and tap Submit, BOLT$ must verify your mobile number if it has not yet done so. For more information about this requirement, see Mobile number verification. To block internet and phone purchases, enable the Blocks switch. You can edit the profile’s secondary email address here. If you edit the secondary email address, SHAZAM sends you an email at the specified secondary email address to confirm that the email address is valid.

You must tap the activation link in the email before the secondary email address change takes effect. Set alerts & blocks based on transactions outside U.S.

On the Set Alerts screen or the Set Alerts & Blocks screen, tap Transactions Outside U.S. to manage alerts for purchases made outside the United States using the card. If the card issuer subscribes to BOLT$ transaction control, you can also set the BOLT$ to block purchases made outside the United States using the card. You can receive email alerts at your profile's primary and secondary email addresses, which are displayed here. If the card issuer subscribes to BOLT$ text messaging, your profile’s mobile number is displayed here, and you can receive text (SMS) alerts at your profile's mobile number.

To receive alerts for purchases made outside the U.S., enable the switches for the email addresses or mobile number at which you want to receive the alerts. If you enable the mobile number switch and tap Submit, BOLT$ must verify your mobile number if it has not yet done so. For more information about this requirement, see Mobile number verification. To block purchases made outside the U.S., enable the Blocks switch. You can edit the profile’s secondary email address here. If you edit the secondary email address, SHAZAM sends you an email at the specified secondary email address to confirm that the email address is valid.

You must tap the activation link in the email before the secondary email address change takes effect. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 23 Set alerts based on suspected fraud alerts On the Set Alerts screen or the Set Alerts & Blocks screen, tap Suspected Fraud Alerts to manage alerts for suspected fraudulent purchases made using the card. (These alerts are available only if the card issuer subscribes to SHAZAM Fraud Management Services.) You always receive suspected fraud alerts at your profile’s primary email address. You can choose to receive email alerts at your profile's secondary email address. For reference, your profile’s primary and secondary email addresses are displayed here.

If the card issuer subscribes to BOLT$ text messaging, your profile’s mobile number is displayed here, and you can receive text (SMS) alerts at your profile's mobile number. To receive alerts for suspected fraudulent purchases at your profile’s secondary email address or mobile number, enable the switches for the secondary email address or mobile number. If you enable the mobile number switch and tap Submit, BOLT$ must verify your mobile number if it has not yet done so. For more information about this requirement, see Mobile number verification.

You can edit the profile’s secondary email address here. If you edit the secondary email address, SHAZAM sends you an email at the specified secondary email address to confirm that the email address is valid. You must tap the activation link in the email before the secondary email address change takes effect. Set alerts for SHAZAM BOLT$ notifications On the Set Alerts screen or the Set Alerts & Blocks screen, tap SHAZAM BOLT$ Notifications to manage alerts for BOLT$ account setting updates. You can receive email alerts at your profile's primary and secondary email addresses, which are displayed here.

To receive alerts for BOLT$ account setting updates, enable the switches for the email addresses at which you want to receive the alerts.

You can edit the profile’s secondary email address here. If you edit the secondary email address, SHAZAM sends you an email at the specified secondary email address to confirm that the email address is valid. You must tap the activation link in the email before the secondary email address change takes effect. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 24 Change Expiration Date If you are reissued a debit card with a new expiration date, and the debit card isn’t a SHAZAMChek card, you must change the expiration date of the card manually before it expires.

To change the expiration date of a card: 1. Tap the card on the Cards & Balances screen. 2. Tap Change Expiration Date under Card Actions 3. Enter the new expiration date and tap Submit. The expiration dates of SHAZAMChek cards are updated automatically after card activation, although you might need to wait until the next day for the update to take effect. Remove Card To remove a card from your BOLT$ account: 1. Tap the card on the Cards & Balances screen. 2. Tap Remove Card under Card Actions. 3. Tap Confirm.

Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 25 Send Money (BOLT$ P2P Payments) Send Money To New Recipient If your financial institution is enrolled in BOLT$ P2P, you can send money to other BOLT$ users. If you have not yet sent a BOLT$ P2P payment to a specific recipient, follow these steps. To send a BOLT$ P2P payment to a new recipient: 1. Complete one of the following actions:
  • From the Cards & Balances screen, tap the card from which you want to send money, then tap Send Money under Card Actions. The Send Money screen is displayed.
  • Tap Menu > Send Money, then tap Choose Card and select the card from which you want to send money. 2. Tap Add New Recipient. The Choose Existing Recipient field becomes the New Recipient field.

Step Screen

  • SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 26 Step Screen 3. Enter the new recipient’s email address into New Recipient and tap Next. BOLT$ verifies whether the email address is registered to an existing BOLT$ account with a valid, active card.
  • If the recipient is registered - BOLT$ uses the existing BOLT$ account and continues to the next step.
  • If the recipient is not registered - An error prompt is displayed. When you tap OK, BOLT$ sends a registration request email to the email address you entered, inviting the recipient to register for BOLT$ and enroll a card to receive money.

The invitation email gives the recipient a deadline of five days to register. On the fourth day, a reminder email is sent. If the recipient registers - You receive an email stating the payment can be initiated. Log in to the app and re-start this procedure again from the beginning. If the recipient doesn’t register - You receive an email stating the recipient has not registered. The payment can’t be completed. 4. Enter a new nickname for the recipient and the amount to send to the recipient. A minimum amount of $1 is required. Enter the amount as dollars and cents without a decimal. For example, to send $15 enter 1500.

You can also enter an optional comment about the transaction. For example, you can state what the money is for. Note: The receiver will see the memo in the email that he or she receives. The character limit for the memo is 200. If your financial institution charges a fee to send a payment, the fee does not count toward your maximum BOLT$ P2P daily limit. 5. Tap Next.

  • SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 27 6. Complete the remaining fields on the Review & Send screen and tap Send.
  • You must enter a recipient nickname for a new recipient. The nickname can be the recipient’s real name or a name the user calls the recipient.
  • If the payment amount is over the PIN-threshold amount limit, you are required to enter a callback telephone number. When you tap Send, an automated system will call the number that you enter. When you receive this call, enter the card's PIN when prompted.

Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 28 7. After you tap Send, the confirmation screen is displayed. The screen summarizes the transaction that’s just been completed. Both parties will receive an email confirmation of the BOLT$ P2P payment. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 29 Send Money To Existing Recipient If your financial institution is enrolled in BOLT$ P2P, you can send money to other BOLT$ users. Follow these steps to send a BOLT$ P2P payment in either of the following cases:
  • You have previously sent a BOLT$ P2P payment to the intended recipient.
  • You used BOLT$ to send a registration request email to the intended recipient, and you received an email stating that the recipient accepted the request and completed registration.
  • If you have not yet sent a BOLT$ P2P payment to a recipient, follow the steps under “Send Money To New Recipient” on page 25. To send a BOLT$ P2P payment to an existing recipient: 1. Complete one of the following actions:
  • From the Cards & Balances screen, tap the card from which you want to send money, then tap Send Money under Card Actions. The Send Money screen is displayed.
  • Tap Menu > Send Money, then tap Choose Card and select the card from which you want to send money. 2. Tap Choose Existing Recipient. A list of active and inactive users is displayed. Only active users can receive money. Inactive users do not have a valid card registered within SHAZAM BOLT$, so they cannot receive money. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 30 3. Tap the recipient and tap Next. 4. Enter the amount to send to the recipient. A minimum amount of $1 is required. Enter the amount as dollars and cents without a decimal. For example, to send $15 enter 1500. You can also enter an optional comment about the transaction. For example, you can state what the money is for. Note: The receiver will see the memo in the email that he or she receives. The character limit for the memo is 200. If your financial institution charges a fee to send a payment, the fee does not count toward your maximum P2P daily limit.

5. Tap Next. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 31 6. Review the payment information on the Review & Send screen and tap Send. If the payment amount is over the PIN-threshold amount limit, you are required to enter a callback telephone number. When you tap Send, an automated system will call the number that you enter. When you receive this call, enter the card's PIN when prompted. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 32 7. When you tap Send, the confirmation screen is displayed. The screen summarizes the transaction that’s just been completed. Both parties will receive an email confirmation of the P2P payment. Manage Recipient If your financial institution subscribes to the BOLT$ P2P service, the following options are available when you tap Menu > Manage Recipient:
  • Add Recipient
  • Edit Recipient
  • Delete Recipient Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 33 Add Recipient To add a P2P payment recipient: 1. Tap Menu > Manage Recipient. 2. Tap Add Recipient. 3. Enter an email address and a nickname for the recipient. The nickname can be the recipient’s real name or a name the user calls the recipient. 4. Tap Add. Edit Recipient To change the nickname of a P2P payment recipient: 1. Tap Menu > Manage Recipient. 2. Tap Edit Recipient. 3. Select the recipient whose nickname you want to change. 4. Edit the nickname as desired and tap Submit. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc.

Page 34 Delete Recipient To delete a P2P payment recipient: 1. Tap Menu > Manage Recipient. 2. Tap Delete Recipient. 3. Select the recipient to delete. 4. Tap Delete. User Profile You can update your BOLT$ user profile information (such as name, address, mobile number, and email addresses). If you change any of the information in your user profile, an email is sent to your primary email address to confirm the change. If you change either of your profile’s email addresses, an activation email is sent to the changed email addresses. You must tap the link in the activation email before the change takes effect.

When the change takes effect, BOLT$ disables any alerts that go to your email addresses apart from alerts that always go to your primary email address (such as user profile change alerts and suspected fraud alerts). To continue to receive those alerts, you must re-enable the alerts.

If you change your mobile number, BOLT$ disables any text alerts that go to your mobile number. To continue to receive those alerts, you must re-enable the alerts. You must also verify your new mobile number the first time that you enable text alerts in the app. To update your BOLT$ user profile information: 1. Tap Menu > User Profile. 2. Change the information in your user profile and tap Save. Step Screen

  • SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 35 Login Preferences Tap Menu > Login Preferences to view the Login Preferences screen. Use the settings on this screen to set login preferences for the mobile app.
  • Enable Quick Balance to view the current account balances without having to log in. A user must enable Remember Me to use Quick Balance.
  • Enable Remember Me so that the device remembers the username.
  • Enable Log In with Fingerprint or Log In with Face ID to use biometric login to access the app. The name of this option depends upon the type of biometric login that is available on the device (fingerprint for Touch ID and Android devices, Face ID for Face ID devices). You must enable biometric login on the device before you can enable biometric login in the app. Also, you must enable Remember Me to use this option.

Quick Balance When you enable Quick Balance in the BOLT$ app, the app allows users of the device to view account balances without having to log into the app. Only the balances of cards issued by BOLT$ financial institutions can be viewed using Quick Balance. Enabling this option also enables Remember Me because Remember Me is required for this option. When you enable this feature on the Login Preferences screen, the app displays a prompt to explain what this feature does. Tap OK to close the prompt. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc.

Page 36 Remember Me When you enable Remember Me in the BOLT$ app, the app remembers the current authenticated username. The next time that you log into BOLT$, the app fills in the Username field on the login screen with this username. Remember Me is required for Quick Balance and for any type of biometric login (Face ID, Touch ID, or fingerprint login on Android). If you disable Remember Me on the Login Preferences screen, the app displays a confirmation dialog to notify the user that these features will be disabled. Tap OK to disable Remember Me or Cancel to return to the Login Preferences screen without disabling Remember Me.

This confirmation dialog is not displayed if you disable Remember Me on the login screen.

Log In with Face ID/Fingerprint Enable Log In with Fingerprint or Log In with Face ID on the Login Preferences screen to enable biometric login in the app. The name of this option depends upon the type of biometric login that is available on the device (fingerprint for Touch ID and Android devices, Face ID for Face ID devices). You must enable biometric login on the device before you can enable biometric login in the app. Also, enabling this option also enables Remember Me because Remember Me is required for this option.

When you enable this feature on the Login Preferences screen, the app displays a prompt to explain what this feature does.

Tap OK to close the prompt. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 37 User Settings Tap Menu > User Settings to view the User Settings screen. From the User Settings screen, you can:
  • Select P2P receive card
  • Change password
  • Add card
  • Delete BOLT$ account Select Receive Card By default, the BOLT$ app selects the first card you add to the service as the “receive” card for P2P payments. Any money that you receive through the P2P service is added to the primary account of the “receive” card. However, you can change the card that receives P2P payments if you have two or more cards in your BOLT$ account.
  • To change the “receive” card for P2P payments: 1. Tap Menu > User Settings. 2. Tap Select Receive Card on the User Settings screen. The app displays the Your Receive Card screen with details about the current “receive” card:
  • Last four digits of PAN
  • Financial institution name and ABA number
  • Balance information when available
  • Card Status (whether the card is blocked)
  • Valid Thru (expiration date) 3. Select the new “receive” card in Change Receive Card and tap Submit.

Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc.

Page 38 Change Password The cardholder can update his or her password at any time by following the steps below. Note: You are prompted to change your password if you log in with a password that has not been changed for 365 days. 1. Tap Menu > User Settings. 2. Tap Change Password. 3. Enter the current password and the new password and tap Submit. Note: Passwords must be between 5 and 32 characters long. Passwords must also contain at least one uppercase letter, one lowercase letter, one number and one special character , or *). Your password expires if you do not change it within 365 days.

You are sent an email at your profile’s primary email address every time a change is made to your password. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 39 Add Card You can add cards to your BOLT$ account. 1. Access the card wizard using either of the following methods:
  • Tap Menu > User Settings, and then tap Add Card button on the User Settings screen.
  • Tap Add Card on the Cards & Balances screen. 2. Enter your card number and expiration date using either of the following methods:
  • Tap Capture Card to take a picture of your debit card using the device's camera. (The app must have access to the device's camera.)
  • Enter the card number and expiration date manually. 3. After you enter the card number and expiration date, enable I accept Terms & Conditions and tap Next to continue. To read the terms and conditions before you accept them, tap the Terms & Conditions link to view the Terms & Conditions screen. Tap Done on the Terms & Conditions screen to continue card enrollment.

Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 40 4. After the card’s eligibility for BOLT$ is confirmed, you can review a list of what you can do with the card in BOLT$. Click Next to continue. Step Screen

  • SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 41 5. Confirm that the card is yours by entering additional information associated with your card. The information that you enter depends on your financial institution's BIN settings.
  • Plastic-based authentication: Enter the last four digits of your Social Security number.
  • PIN-based authentication: Enter a phone number where you can be reached now. Verify the card number and expiration date and tap Next to continue. If the financial institution uses PIN-based authentication, an automated system calls the phone number you entered. When you receive this call, enter the card's PIN when prompted.

Note: If the information that you enter doesn’t match the information on file with SHAZAM, you are prompted to enter the correct information. If the second attempt is unsuccessful, you will not be able to try again until midnight. Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 42 6. To change the “receive” card for P2P payments, select the card under Change Receive Card and tap Submit. Delete BOLT$ Account You can delete your BOLT$ account entirely. You cannot recover your account information after you delete it.

Before you delete your account, ensure that there are no longer any blocks that are set up for any cards on the account. If you delete your account while blocks are active, you must contact your financial institution to remove those blocks. To delete your BOLT$ account entirely: 1. Tap Menu > User Settings. 2. Tap Delete BOLT$ Account on the User Settings screen. 3. Enter your password and tap Submit.

Step Screen

SHAZAM BOLT$ Reference Guide The SHAZAM Network - September 13, 2018 © SHAZAM, Inc. Page 43 ATM Locator Tap Menu > ATM Locator. If the GPS location service is enabled on your device, the screen will pinpoint your current location with a red location bubble. You can pinch the screen to shrink the image and view all ATMs within a three-mile radius or select the list button on the right side of the screen to access a list of ATMs in the immediate area. You can also tap the search function (indicated with a magnifying glass) and enter the location to which you will be traveling.

If there is more than one city with the same name, you will be presented with a drop-down list to select the appropriate location. The locator shows all ATMs within a three-mile radius of the specified location Step Screen

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