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Solutions to Help You Capitalize on Opportunity Now. How Treasury & Payment Solutions can help your business shine. February 2013. Agenda. Benefits to your business Targeted Solutions Your Company team and our approach Appendix Company Overview - PowerPoint PPT Presentation
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Strictly Private and Confidential
February 2013
Solutions to Help You Capitalize on Opportunity NowHow Treasury & Payment Solutions can help your business shine
[insert_clientname]
These materials may not be used or relied upon for any purpose other than as specifically contemplated by written agreement with Company
Agenda
I. Benefits to your business
II. Targeted Solutions
III. Your Company team and our approach
AppendixA. Company Overview B. Treasury & Payment Solutions Introduction
Disclosure Appendix
Benefits to your business
more money – more time – more control
[insert_clientname]
More Money
Are you busy balancing the need to manage complex treasury processes with expense imperatives?
Make money with new interest bearing checking accounts
Save money with earnings credit that can offset banking fees
Manage investments more effectively with cash position management tools like zero balance accounts
Cost
Complexity
[insert_clientname]
More Time
Is your business looking for ways to streamline processes and become more efficient?
Save time with Automation: payments, receipts, payroll, reconcilement, and more Outsourcing labor-intensive processes More?
[insert_clientname]
More Control
How can you control the flow of information that helps you control your working capital?
Control money with greater visibility into accounts and transactions
Protect money with fraud control options
Receive automatic alerts and notifications for specified transaction types
Access real-time reporting on accounts
Move money as needed for working capital priorities
Targeted Solutions
transparency ● predictability ● consistency
[insert_clientname]
The best solution is the one designed for your business
Receivables – get funds faster
Payables – cut costs and increase efficiency
Online information and control – know what’s going on with all your accounts
Liquidity and cash position management – make your money work harder
Card Solutions – offer alternative payment and collection options
International solutions – expand your borders
Relevant Solutions: Understanding our clients needs allows us to recommend the appropriate treasury management or other payment-related solutions to enhance all aspects of their business.
Receivables
Payables
Liquidity & Cash Position Management
Card Solutions
International Solutions
Onl
ine
Info
rmat
ion
and
Con
trol
[insert_clientname]
Core collection services
Deposit/Checking Accounts Wholesale Lockbox Scannable Lockbox Cash Services Online Check Deposit Image Cash Letter eClaim Revenue Gateway
Wire Transfer Corporate Payments Pre-authorized Debit Check Deposit Services Merchant Services Online Payment Acceptance ACH Services
Complementary products to further enhance timely processing
Lockbox Image Services Deposit Reconciliation Electronic Data Interchange
Information Reporting Online File Transfer Cash Services
Receivables Solutions
Improve the collection and posting capabilities for your outstanding receivables by accelerating and automating the processing of these transactions.
[insert_clientname]
Enhance the timing and reconciliation of payables due to your suppliers or trading partners by implementing payment methods that streamline the process and build in added security.
Core disbursement services
Checking/Deposit Accounts Controlled Disbursement Positive Pay Controlled Payment Reconciliation Wire Transfer ACH Corporate Payments Direct Deposit
TTaxplus Service Corporate Card Purchasing Card Payroll Card Solution Commercial Prepaid Card Online Payroll
Complementary products to further augment control and security
ACH Fraud Control Account Reconciliation Electronic Data Interchange Image Delivery Services
Enterprise Payment Processing Information Reporting Online File Transfer
Payables Solutions
[insert_clientname]
Online Treasury Manager
Account review and transaction initiation
ACH Services Wire Transfers Stop Payments Account Transfers
Special Reports Information Reporting Image Services
Fraud Control Exception Items Disbursement Items Deposited Items and Tickets
Online File Transfer
Internet data transmission
Lockbox ACH Services Account Reconciliation
Controlled Payment Reconciliation Positive Pay
Online Courier
Automated delivery of information reporting
Automated Delivery Notification Alerts
Balance Alerts Transaction Alerts
Delivery Methods Internet, Email and Fax Treasury Workstation
– Direct dial-up connection– Internet Access
Online Information and Control Solutions
Streamline access to banking transactions and financial information needed to make critical business decisions through our online services.
[insert_clientname]
Liquidity / Cash Position Management Solutions
Prior Day and Current Day Information
Monitor account activity to determine daily cash position
Summary Detail
Special Reports Image Services
Transaction Initiation
Transfer funds using online services
ACH Services Wire Transfers
Stop Payments Account Transfers
Automated Funds Mobilization Tools
The movement of cash on a daily basis can be provided through a variety of cash positioning services
Business Sweep Overnight investments Overnight loans
Zero Balance Account Consolidate deposits Fund disbursements
Cash Concentration
Sub Account Management Account reconcilement Interest allocation Balance reporting 1099 statements
Maximize the use of funds on a daily basis through products that can automate the movement of funds and monitor account activity.
[insert_clientname]
Commercial Card Solutions
Corporate Card
Benefit from improved financial control, cost reduction, streamlined administration, and corporate protection
Flexible Program Controls Single transaction limits Monthly spending limits MCC (vendor type) restrictions Online pre-purchase approval
Detailed Card Program Reporting
Visa Liability Waiver Program*
Billing and Grace Period Individual and Central bill 30 Day Billing Cycle 25 Day Grace Period Powerful real-time reporting capabilities
through Enterprise Spend Platform
Purchasing Card
Increase efficiency, generate revenue, and improve management control and visibility
Flexible Program Controls Limit single transaction size and
monthly spending by cardholder MCC (Vendor Type) restrictions Online pre-purchase approval Accounts Payable automation
Billing and Grace Period Central Bill 30 Day Billing Cycle/18 Day Grace
Period (optional weekly or semi-monthly billing)
Visa Liability Waiver Program*
Detailed Card Program Reporting Visibility into transaction details (up to level
3 detail, where available) Powerful real-time reporting capabilities
through Enterprise Spend Platform
* Terms and conditions apply
Track and control spending with card programs tailored to your needs, including replacing petty cash accounts, paying bills, and managing travel and entertainment expenses
[insert_clientname]
Commercial Card Solutions
Commercial Prepaid Card
Use prepaid cards for incentives, awards, promotions and more
Non-Reloadable Commercial Prepaid Cards: Issue in whole US dollar amounts from
$1 to $500 Signature only transactions where Visa is
accepted No ATM or cash advance access Disposable once the value of the card
reaches $0 Customization available with a minimum
annual order of 750 cards
Reloadable Commercial Prepaid Cards: Can be funded from $0 to $5,000 US
Dollars Use at 800,000 Plus/Interlink ATMs,
cash advances, and signature Cards can have an indefinite
lifecycle 50 card minimum Cardholder SSN is required and
name must be embossed on the card
Mobile phone alerts
Enterprise Spend Platform
Provides you with the flexibility to select the specific functionality your organization requires
Statement ManagerTransaction ManagerExpense Manager
Payables ManagerRequisition Manager
Track and control spending with card programs tailored to your needs, including replacing petty cash accounts, paying bills, and managing travel and entertainment expenses
[insert_clientname]
International payment and risk management solutions
Trade Finance Trade Services Foreign Exchange International Treasury Management
International Solutions
Integrate international and domestic treasury functions by establishing an array of services to meet multi-country and multi-currency business needs.
Your Company team and our approach
relationship starts with the right team
[insert_clientname]
NameCorporate Banker/ Relationship ManagerPhoneEmail
NameTreasury Sales OfficerPhoneEmail
Your Treasury Sales Officer consults with you concerning your business needs in order to develop a customized treasury or payment solution, coordinating the work of the sales and service teams. The Treasury Sales Officer keeps you informed about industry trends and new services, and makes recommendations to optimize your treasury management processes.
NameTreasury Client Services SpecialistPhoneEmail
The Treasury Client Services Specialist coordinates your day-to-day communication with Company, once your services are in place. A specific individual will be assigned to serve as your primary contact for routine inquires relative to how your services are functioning, determining the nature of any problems, identifying the appropriate follow up action and instituting that action to ensure a swift, accurate and complete resolution. Your Client Services Specialist works to ensure that you receive high quality customer service and that our services meet your expectations.
NameTreasury Implementation Lead Project ManagerPhoneEmail
The Treasury Implementation Lead Project Manager is responsible for planning, coordinating and executing implementations for all treasury management products and services. They partner with you from receipt of your initial request through the entire process directing and managing the workflow of the Company implementation team. They conduct detailed interviews to gather your requirements and secure deliverables ensuring that all services are established according to your needs. They have an in-depth knowledge of all treasury management solutions, coordinate all setup processes and testing, and have the ability to deliver solutions that ensure a smooth client experience.
Relationship Team ApproachIntroducing your team and our approach
Your Corporate Banker is your primary contact for general Company business – someone who knows your corporate objectives, your accounts and your business requirements. This person’s role is to consult with you about new and existing services, ensure your continued satisfaction and bring together the right Company specialists to meet your financial needs.
[insert_clientname]
Comprehensive Solutions
Our industry knowledge brings you the specific strategies and solutions that can help you address challenges and take advantage of your biggest opportunities.
*Offered by Company Robinson Humphrey, Inc.** Offered by Company Investment Services, Inc.
Deposits, Treasury and Liquidity
Payables and ReceivablesOnline Information and Control Services
Cash Position ManagementCard Programs
Merchant ServicesChecking and Savings
Liquidity Investment Solutions
Financing and Capital Term Loans and Lines of Credit
Real Estate FinancingEquipment Leasing
Insurance Premium FinancingAsset Based LendingDebit capital raising*Equity capital raising*Tax-exempt financing*
Employee Benefit Solutions401(k) and Retirement Plans**
Workplace BankingHealth Savings Accounts
Gift Card ProgramsEquity-based Compensation Services
Personal Financial Solutions
Financial PlanningRetirement and Estate Planning
Investment Management**Wealth Management Banking Services
Employee Banking
Investment Banking AdvisoryBusiness Valuation Services
Mergers and AcquisitionsBusiness Transition Advisory
Global Trade SolutionsTrade Finance
Letters of Credit International Cash Management
Risk & Fraud ManagementFraud Protection Services
Currency Risk ManagementInterest Rate Risk ManagementEquity Concentration Hedging
6
[insert_clientname]
Integrated Delivery of Service and Solutions
Our goal is to keep you, our client, at the center of everything we do. We offer premier treasury solutions coupled with seamless implementation and high-touch customer service to meet your specific treasury and payments needs.
Receivables
Payables
Online Informationand Control
Liquidity/Cash Position Management
International
Relationship Management Team
Treasury & Payment Solutions Sales Teams
Implementations and Client Services Teams
Product Management, Risk Management and Operations Teams
Ideas & Solutions
Supp
ort &
Com
mun
icat
ions Specialized Expertise
Quality Execution
CLIENT
[insert_clientname]
How can we help you shine today?
AskListen
Execute
Own
How we do business
[insert_clientname]
Why Choose Company?
We offer financial strength, commitment to your business and treasury expertise with solutions that meet the needs of our local and national clients.
Strong Relationships
Exceptional Service
Relevant Solutions
are built and maintained by focusing on our clients’ success
begins with listening to our clients and owning their service issues
are delivered by understanding the unique challenges each client faces
[insert_clientname]
Our Commitment to You
We pledge to listen to your unique requirements, understand your needs and deliver on your
expectation to the fullest.
Appendix
A. Company Overview
B. Treasury & Payment Solutions Introduction