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Solutions to Help You Capitalize on Opportunity Now. February 2013. How Treasury & Payment Solutions can help your business shine. Agenda. Understanding your business today Meeting your treasury needs Introducing your team and our approach Appendix Company Overview - PowerPoint PPT Presentation
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Strictly Private and Confidential[insert_clientname]
Solutions to Help You Capitalize on Opportunity Now
February 2013
How 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. Understanding your business today
II. Meeting your treasury needs
III. Introducing your team and our approach
AppendixA. Company Overview B. Treasury & Payment Solutions Introduction
Disclosure Appendix
Understanding your business today
[insert_clientname]
A closer look at treasury trends
When evaluating which payment solutions are right for your company, in an ever-evolving marketplace, some considerations may include:
Shifting and complex payment options
Changing consumer and business payment behavior
When is the right time to make a change – do it now or wait and see
Understanding the payment options available for my business
Knowing who the change impacts and how – is it worth the effort
Automating receivables and payables to gain operating efficiencies
Considering the move to electronic payments, and to card solutions
[insert_clientname]
A closer look at treasury trends
Businesses are continually looking for ways to streamline processes and become more efficient. These factors may influence the approach you take:
Shrinking resources
Increased organizational responsibilities
Flexibility and adaptability of the solutions to my business
Breadth of regulatory oversight
Board scrutiny on investment policies and decisions
In-house expertise versus third-party alternatives
[insert_clientname]
A closer look at treasury trends
Managing information and processes to meet your needs is a constant challenge. Figuring out how to establish appropriate controls for both is the opportunity.
Evaluating risks and identifying exposure
Data security issues
Protecting your money and your information against fraud
Managing who has access to what information
Having enough data to make a sound decision
Contingency planning for cash flows
Meeting compliance requirements
Controlling costs
[insert_clientname]
A closer look at treasury trends
While it seems that almost everything in the economy is changing on a near-daily basis, one thing remains the same: Businesses exist to generate profit and are looking for ways to find the competitive edge.
Keep your best customers
80% of profit comes from 20% of customers
Generate profitable new business
Existing customers remain the best source of new business
Turbulence in the economy creates fresh opportunities
Prepare for the impact of change
Historically low interest rate environment
Consolidation in the banking industry
Balancing the need to invest for growth with the demands of a new market in which liquidity and stability are so closely connected
Meeting your treasury needs
[insert_clientname]
Working Capital Cycle
We work to understand our clients’ business flows and recognize where our services can add value in order to establish long-term relationships with our clients.
[insert_clientname]
Receivables Deposit Accounts Wholesale Lockbox Lockbox Image Services Scannable Lockbox Online Check Deposit Image Cash Letter Cash Services Deposit Reconciliation ACH Services Wire Transfer Electronic Data Interchange Merchant Services Check Deposit Services Online Payment Acceptance eClaim Revenue Gateway
Payables Checking Accounts Controlled Disbursement Positive Pay Controlled Payment Reconciliation Enterprise Payment Processing ACH Services ACH Fraud Control Wire Transfer TTAXplus Service Electronic Data Interchange Account Reconciliation Image Delivery Services Corporate Card Purchasing Card Payroll Card Solution Commercial Prepaid Card Online Payroll
Online Information
and Control
Information Reporting ACH Services Wire Transfers Account Transfers Stop Payments Online Image Services Online File Transfer Automated Report Delivery and Notification
LiquidityCash Position Management
Previous Day and Same Day Information Transaction Initiation Automated Investment and Borrowing Zero Balance Account Sub Account Management Cash Concentration
International Trade Finance Trade Services Foreign Exchange International Cash Management
The Right 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.
[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.
Introducing your team and our approach
[insert_clientname]
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.
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.
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
NameClient/Relationship ManagerPhoneEmail
NameTreasury Sales OfficerPhoneEmail
NameTreasury Client Services SpecialistPhoneEmail
NameTreasury Implementation Lead Project ManagerPhoneEmail
Your Client Manager 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]
Receivables
Payables
Online Informationand Control
Liquidity/Cash Position Management
International
Integrated Delivery of Service and Solutions
Relationship Management Team
Treasury & Payment Solutions Sales Team
Implementations and Client Services Teams
Product Management, Risk Management and Operations Teams
Ideas & Solutions
Supp
ort &
Com
mun
icat
ions Specialized Expertise
Quality Execution
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.
CLIENT
[insert_clientname]
How We Do Business
Our Vision…
We will be THE premierpayment solutions provider.
Solutions to help you
shine
Ask
Listen
Own
Execute
[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 Listening to our clients Engaging in proactive dialogue to identify possible solutions for your needs Leveraging our experience to meet ever changing needs
Exceptional Service High-touch customer service delivered through a dedicated Client Services Group Seamless implementation delivered through an efficient Implementations Group Experienced and well-trained banking team
Relevant Solutions
Superior Internet banking solutions Advanced image-based solutions Industry-leading fraud protection services Market-leading commercial card services
[insert_clientname]
How can we help you shine today?
Our Commitment to You
We want to get to know your business
Understanding your needs is central to our approach which is focused on asking questions and listening carefully to your company
Company offers a wide range of solutions from which you can choose – whether your business requires traditional treasury, commercial card, merchant services or international capabilities, we specialize in payment solutions
Ongoing support is delivered through seamless implementation and high-touch client services from professionals who differentiate themselves daily
Our goal is a relationship that allows your company to prosper
We pledge to listen to your unique requirements, understand your needs and deliver on your expectation to the fullest. And in doing so, become the premier payment solutions provider.
Appendix
A. Company Overview
B. Treasury & Payment Solutions Introduction