1. About Us Headquartered in Jacksonville, FL Established in 1952 Asset Size = $4.7 Billion Serving 430,000+ Members 34 Branches; which includes 4 High School Branches 167 ATMs with Image Deposit Module (IDM) and Bulk Note Acceptors (BNA) Approximately 1150+ employees

2. About Me Employed with VyStar since 1991 Worked in the following areas: –Call Center –Branches –Electronic Payments & Services Currently a Business Analyst for the department Overall Banking experience = 30+ years

3. What do we do @ VyStar? Currently offer consumer and commercial capture All ATMs are Image Enabled (aka ATM Capture) Looking to deploy mobile capture by mid- to late year

4. Consumer Capture Integrated into Internet Banking with Intuit Using Fiserv’s Source Capture Solution product Converted from Southwest’s BluePoint product (approx. 2 years ago) Have offered service since June 2009

5. Process Overview Managed by small group in Electronic Pmt & Card Services Reject & repair Posting 3 files daily @ 10:00am, 2:00pm and 6:00pm Risk & Losses Duplicate detect Return check processing

6. Commercial Capture Stand alone application Set up at business Using Fiserv’s Source Capture Solution product Have offered service since October 2009 Monthly service charge - $30 per month Same Process as Consumer

7. ATM Capture Diebold Deposit Automation ATMs Images are captured at the ATM & sent to Image Center a Profit Stars service Images are transmitted to FiServ for storage & viewed via FiServ Image Viewer Application

8. Mobile Capture We don’t do it now… Senior Management is pushing offer to be competitive Even with dying check market like the We plan to integrated into the existing mobile app with Intuit using Fiserv product

9. Contact Information Trisha Hunt huntt@vystarcu.org 904 908 2944