1. Remote Capture Services Aimee Briles Vice President, Institutional Banking Tom Ormseth Senior Vice President, Treasury Management Oak Brook Bank

2. How It Started?

3. Check 21  Enacted in October 2004  Allows checks to be truncated  An Image Replacement Document (IRD) is presented as the legal equivalent of the original check

4. Choices Options ARC POP Image Exchange Check 21 Questions What day do I get my money What is it going to cost to get it

5. Remote Capture  Capture images at your desktop  PC, Scanner and Internet Connection  Convert eligible (consumer) items to ARC  Clear non-eligible items as IRD’s

6. ARC/POP  Convert checks into an ACH debit to consumer accounts  ARC growth is strong  Little or no growth in POP (regulations)

7. How It Works Checks Scanned & Truncated Secure Submission Print/Process Substitute Checks Any type of Check Payments Accepted By Business Internet ARC

8. What is best for my School District?

9. Collection Flows  Customer – Who are they  Payments – Check, Cash, Debit/Credit  Business – B to B, B to C, Retail  Banking Locations

10. Benefits  Reduced handling costs  Expedite funds availability  Decreased transaction costs  Later deposit deadlines

11. Demo