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? We process Inclearing, ACH and IAT’s We offer Bill Payer via IB utilizing an Intuit/FiServ product We offer ACH Origination to Companies Recently we began printing our IRDs in house from the FED

4. Operations Information Managed by a staff of in Electronic Pmt & Card Services of 1 Manager –1 Coordinator –2 Checking Specialist –3 Electronic Pmt Specialist We are InterACT clients

5. Process Overview Marker is used for items that are exceptions from the TWD002 posting. In March we processed 25,000+ returns Credits and debits – over $6.5 Million Inclearing return file created at night, after nightlies (challenges with returns)

6. Risk & Loss Mitigation For 2013 we set up a process to monitor IRS ACH credits to lessen tax fraud Allowing us to return ACH credits if an account receives multiple credits to the same account or credits for a name other than on the account.

7. Process changes being considered Not sending NSF notices; cost savings on postage. How we would implement this change and notify members? Email USPS

8. Enhancements to Consider –To allow this user to pull warehouse items up using the sequence number. –Marker to present items in the same order at the TWD002 exceptions

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