AiDPS Active-Image Document Processing System For Caribbean Confederation of Credit Unions Presented by: Tony Waeschle, Area Sales Manager; Aperta Payment Solutions Wayne Wray, Managing Director, Wiltshire Consulting & Advisory Limited June 26, 2010

Today’s Topics Who is Aperta Ltd. What is Active-image Document Processing (AiDPS) – Active image-Teller Capture (AiTC) – Branch - Remote Capture – Active Image Archive (AiA) Closing

Formed in 1992 by former Unisys managers: – Hardware, System and Application Software International Company based in UK – Research and Development Centre Subsidiaries and International Locations – USA, Latin America, Caribbean, South Africa, Australia, India Specialists in Payment and Image Processing Windows platform – Scalable solutions 400+ Installations Worldwide – Latin America & Caribbean. Argentina, Colombia, Venezuela, Brazil, Costa Rica, Panama, Dominican Republic, Trinidad, Jamaica, Puerto Rico Bahamas, Dominica, Cayman Islands Aperta Company Overview

Fraud detection Image Document Archive (Content Management) Active-image Archive – (AiA) Transaction Archive History Research Check & Document Capture Signature Verification Teller Capture Remote Capture What is Active-image Document Processing - (AiDPS) Remittance Processing Forms Processing Home Deposit Merchant Capture

Various image payment processing modes Providing a variety of payment exchanges: Physical check documents exchange; Electronic data exchange; Partial or total truncation through image exchange Aperta-image Document Processing Solutions

Current Issues, Challenges & Objectives Improve back office operation productivity Shorten US$ check float Improve overall settlement time Reduce correspondent bank account overdrafts Reduce correspondent bank service charges Reduce overall operational costs Increase member & employee satisfaction Improve transaction history/research capabilities

Current CU Deposit Process CORE Application Host Credit Union’s Clearing Account – Local, US, EUROS & Canadian Checks Day One Customer Deposit Day Two CU Lodgement Back Office Cash Letter(s) Prep & Deposit CU - GL Day Four Thru Thirty Funds Available End of Month Supervisor Statement Reconciliation CU GL CU Acct

Proposed Process Solution using… Active – image Teller Capture (AiTC)

Active-image Teller Capture (AiTC) Provides“Check Image Capture” at the teller window with any Windows Teller Transaction System Seamless integration with existing Teller Platform through Screen Scraping or Application Program Interface (API) Data Entry, Corrections & Balancing (DCB) – At the Teller level or Centralized Provides a high level of flexibility & improves accuracy – Multiple types of transactions Only credits, Only debits, Mixed transactions – MICR / OCR / BarCode, CAR/LAR Let’s look at an example Active-image Teller Capture work process…

CU’s Local Bank US Correspondant Bank - US CK21 - Day One BDD DB Teller Active-image Teller Capture Back OfficeCentral Site Host US$ Checks (CK21 Letter) US$ Checks (CK21 Letter)

Active-image Teller Capture Benefits Shorten funds collection time for US$ Check lodgment via Check 21 electronic exchange – Image Exchange (CK21) letter sent to ‘Local Bank’ can be route by them to their US Correspondent bank for immediate processing of US$ items. – Credit Union’s use of AiTC can assist their local bank in providing cost effective delivery of US Checks to their correspondant bank. Check Scanner can provide a physical breakout of local $ Checks vs mainland US$ Checks Capture and scanning of the original transaction at the source & time of deposit will – Improved teller transaction processing – Speed up balancing and reduce errors – Improved audit trail

Eliminate most back-office data entry, correction and balancing Reduced back office staff requirement – cost reduction Extend processing date/time at teller window Improved security and research capabilities due to image capture database archive Eliminates microfilm & microfiche for old-fashioned inquiry methods Active-image Teller Capture Benefits

Active-image Archive (AiA) Document Storage for AiDPS Solution Transactions. – Check Images – Payment Coupons – Other Credit Forms – Misc Forms – Transaction History & Reports Standard AiTC includes a 10 day AiA archive for research and verification of duplicate items

Main Features – Long term storage of transactions and related data & images for on-line research – Multiple images document types and image formats supported – MS Windows based – Web browser inquiry/research – Display, Printer and CD output capabilities – User friendly – Easy to Install – Microfilm Replacement Active-image Archive (AiA)

Active-image Archive Architecture Local Area Network SmartSource Adaptive Image File Server Export Server On line Customer Service Workstations Archive Server Casual Printer Storage - NAS or SAN Internet Information Server Web Inquiry Scanner SmartSource Professional

1 – Individual Credit Union Capture 2 – Transfer images & data to CUG 3 – Data Entry, Correction & Balancing 4 – Transmit US$ Items to Local Bank 5 – Correspondent Bank CK21 Clearing 6 – Receive US$ Funds quicker 7 – Each CU Prepares Paper Cash Letter 8 – Local/Central Archive 7 8

Thank You