Dealer Workbench

Member FDIC

Key Benefits

Managing Your Inventory

Dealer Workbench:

• Immediate access to floor plan portfolios from any

type of device with a browser

• Flexible and convenient

− Add and pay off floor plan units

− View real-time account information

− Access and print statements

• Scalable based on floor plan financing needs

Helps

grow your

business

Manages

credit

lines

Improves

operational

efficiency

2

Manufacturer Transaction

Manufacturer debits

Frost for new inventory

purchased by the dealer

Dealer Floor Plan

Account is a zero

balance account

NACHA file with VIN and

unit amount is received

Dealer Workbench is a

web-based floor plan

loan management

system, a value-added

service for Frost dealers

with loan commitments

ManufacturerDealer’s Frost

Floor Plan AccountDealer Workbench

ACH Debit

Dealer Workbench

inventory list is

automatically updated

from NACHA file

automatically updates inventory

3

As units are sold, the Frost loan commitments are paid down by dealer, according to loan agreement.

• Add and pay off units

• Track and maintain inventory

• Pay monthly statements

• View and print transaction history

Now you can use Dealer Workbench to

Dealer Transaction

Dealer Operating AccountDealer Workbench

Add and payoff units via

Workbench system

Payment

automatically updates inventory

4

Sample Floor Plan Billing Statement

Available via the statement icon on the dashboard

5

2CZRE3H56AG703333

2CZRE3H56AG703334

2CZRE3H56AG703335

2CZRE3H56AG703336

2CZRE3H56AG703337

2CZRE3H56AG703338

2CZRE3H56AG703339

2CZRE3H56AG703340

2CZRE3H56AG703341

2CZRE3H56AG703342

Getting Started

Web-based Application

Getting Started:

Easy access with

Internet Explorer,

Firefox, Chrome,

or Safari.

Log In:

• Frost Bank will provide access to the Workbench

interface through an internet browser -

https://dealer.frostbank.com/dealerworkbench/

• The login screen displays. Frost will send you an

email with a password to enable you to login the first

time. Select Change Password to initiate a custom

password

7

Dashboard

1. Groups displays dealership name

2. Accounts lists available commitments

3. Units lists dealership inventory within a commitment

1.

2.

3.

8

System Functionality

Add a Unit

Efficient & Easy

Process:

1. Select Add Uni t

2. Enter the VIN and tab

to next f ield – The

system pul ls

information from

Blackbook to complete

the Year, Make and

Model of the vehicle

3. Add Stock Number and

Boarded Amount

4. Select New or Used

from the Condit ion

drop down menu

5. Select Add Uni t/Close

1.

2.

Manufacturer’s ACH debit file with VIN automatically updates

Dealer Workbench with new units to inventory

1.

10

5.

3.

4.

2.

Review Inventory

Units include inventory added by dealer and inventory added via Manufacturer’s file with VIN

11

Export Inventory Data

Exporting data to

Excel:

1. Select Inventor y

2. A l ist of your inventor y

is presented to you in

Excel .csv f i le format.

You can ei ther open or

save the f i le .

Repor t Information

Includes:

• Account Number

• Year/Make/Model

• Stock Number

• VIN

• Contract Date

• Matur i ty Date

• Days Elapsed

• Rate

• Orig inal Amount

• Interest

• LTD Accrued Amount

• Current Balance

• Current Book Value

Log into system and begin from your dashboard

2.

1.

12

Add Stock Numbers

Add Stock numbers to

inventory:

1. Cl ick inside the Stock

f ield from your

dashboard and enter

the stock number in

this f ield

2. Select Save

1.2.

13

Pay Off Units

Dealers can pay off

units:

1. Select the Uni ts

checkbox in the lef t

column

2. Cl ick Payof f for the

Uni t (s) selected

3. The i tem wi l l display in

the Transact ion panel

4. Payof f processing

happens at the end of

the day or when ready

to process

Payoffs are applied to the principal balance. Interest due (if

applicable) appears on the next end-of-month billing statement.

2.

1.

14

Updates amount

owed:

1. The Units you selected

for payof f are

displayed in the

Transactions panel

2. By select ing Process,

you init iate payment

from your DDA account

3. Your processed

transactions are now

displayed under

Submitted tab of the

Transactions panel

Pay Off Processing

1.

2.

3.

15

Feature Guide

Searching for Units

Use the funnel icon:

1. Selecting the funnel

icon enables you to

search by cr i teria, l ike

VIN, Stock Number ,

Year, Make and Model

2. To complete the

request, c l ick Search

1.

2.

1.

Search Resu l ts

17

Process Transactions

Transaction Panel:

1. Transactions panel

displays transactions

per formed throughout

the day

2. By select ing Process,

you are tel l ing the

system to per form the

transaction and debit

your account to

complete an act ion

1.

2. 18

Creating Reports

Reports:

1. Select Repor ts icon to

generate the repor t

you need

2. Identi fy the date range

for your repor t

3. Select Generate

Repor t

4. You are prompted to

either Open or Save

the repor ts

5. Sample repor t

1.

2.

4.

5.

3.

19

Adding Users

Dealer Administrator

can add users:

1. Select Add a User

icon

2. Input required f ields:

User Id

Act ive = Yes

First Name

Last Name

Work Email

3. Select Dealer Group

4. Indicate permissions

al lowed by checking

the appropriate box –

a ful l l ist of

Permissions avai lable

on next sl ide

20

1.

2.

4.

3.

Permissions

Permission Description

Administrator Indicates user is a dealer administrator. Only Administrator has ability to grant permissions to

other users.

All History Provides user with access to all transaction history, including transactions made by other users.

Cash Management Allows user to access cash management accounts.

Inventory Listing Enables reporting feature that produces an inventory listing of all units tied to a commitment.

Mass Payment Users with this permission can process Mass Payments on commitments. Relationships set up

with Auto-debit do not allow for mass payment.

Previous Transactions Allows user to view a previous day’s transactions.

Process Transactions Allows user to process today’s transactions.

Remove Transactions Allows user to remove a transaction that has not yet processed.

Reports Allows user to access on-demand reports on Dashboard.

Statements Allows user to view and print dealer statements.

Units Allows user to access the Units category.

Unit Add Allows user to add a floor plan unit to a commitment.

Unit Batch History Allows user to click History button to view transaction history of floor plan unit for a specific range of dates.

Unit Payoff Allows user to pay off a floor plan unit.

Unit Update Allows user to change the stock number on a floor plan unit.

Transfer Gives user ability to transfer funds into and out of a dealer’s cash management account.

21

Fraud Prevention

• Watch for signs your system may be compromised

• Inability to log in to online banking

• Unusual timing of transactions

• Changes in web pages or appearance of graphics, text or icons

• Unusual pop-up messages, such as “try back later”

• Dramatic loss of computer speed, or unexpected restarting of computer

• Unexpected request for a one-time password or token during an online session

• Ways to keep your information safe

• Know that most providers you do business with, including Frost, will never reach out to you to ask for your account access credentials

• Never give out your account access credentials such as passwords, user ID, security questions, 4-digit password for mobile app, 6-digit PIN, or any passcode delivered via text

• Be aware of scams that request personal information through calls, direct mail, emails or texts

23

Protecting Your Business

• Safeguard your internet access

• Be cautious using public Wi-Fi, as even reputable hotspots can be compromised

• Install and regularly update anti-virus software on your desktop, laptop and mobile devices

• If you use text banking and lose your device, be sure to update your text banking profile in Frost Online Banking

• Be careful with your sensitive Information

• Log out when finished using online banking

• Never store personal or financial information, including passwords, on your device or computer

• Don't click links in spam emails--even those sent by someone you know

• Monitor your financial statements for unexplained activity and dispute activity that looks suspicious

24

Protecting Your Business

• Secure your side of the transaction

• Use a dedicated computer for online banking that's not used for any other purpose

• Update antivirus software and operating systems on all devices

• Don’t log in to online banking using public Wi-Fi hotspots

• Always log out of online banking when you have completed your transactions

• Stay alert for suspicious activity

• Monitor accounts frequently and reconcile them daily, if possible

• If you suspect fraud, contact your banker immediately or call us 24/7 at (800) 513-7678

• Understand the potential for fraud

• Do not use the same login ID and password across multiple systems

• Do not store or save login IDs and passwords on your browser, on a computer or on paper

• Do not share account information, login credentials, passwords or other sensitive data with anyone requesting it by phone or email

• Do not open suspicious email attachments that you have not requested or click on any links in emails you receive from unknown sources

• Do not visit websites you think may be suspicious 25

Protecting Your Business

• You received a suspicious email

• If you receive an email claiming to be from Frost that looks suspicious, please forward it to webhelp@frostbank.com or give us a call at (877) 714-4932

• You received a suspicious phone call

• If you inadvertently give out your personal information, call us at (800) 513-7678

• Your computer was compromised immediately

• Discontinue use of the affected computer for financial transactions and processes that require user credentials

• Change your email passwords

• Review sent folder for emails forwarded to unknown email addresses

• Use a respected antivirus vendor program to clean your computer system for malware or trojans

• Consider having an IT professional scan and confirm that malware is removed

• Once complete, change your email passwords again

• Change email passwords every 90 days

26

What to Do If You Suspect Fraud

27

How Frost Helps Protect Your Business

Protect ing your

accounts and personal

in formation is - and wi l l

always be - a pr ior i ty.

We have processes and

technology in p lace to

help monitor and detect

unauthor ized act iv i ty on

your Frost accounts so

that we can help

protect you. We

cont inual ly work to

opt imize and

strengthen those

systems.

We’re Here to Help

• Information Security Program

• Frost’s Information Security Program uses a variety of

safeguards to protect the confidentiality, integrity and

availability of information. The system uses a formal set

of industry standards to protect data, and the Frost

Information Security program’s Information Security

Standards are reviewed, updated and re-approved

annually.

• Frost has an Enterprise Information Security (EIS)

department, which has day-to-day responsibility for the

Information Security Program. The EIS department

consists of security professionals who work with Frost’s

Information Technology, Internal Audit, and Line-of-

Business departments to implement the program

• Frost routinely works with contracted security

professionals to test our network infrastructure. These

professionals will continue to apply specialized

information security skills and other resources as

necessary.