The AFS Payments Product Management Program is a comprehensive, multi-faceted program of continuous improvement that provides financial leverage through the application of integrated, state-of-the-art systems solutions; AFS expertise and ability to execute; and industry best practices.

Available on an Application Service Provider (ASP) basis, the Payments Product Management Program provides immediate access to outsourced AFS systems and a full range of staff expertise without costly investment in the development of internal infrastructure to support Payments management. Clients can request AFS' assistance with individual components of the program, or can opt to outsource all aspects of Payments Product Management to AFS.

The Program enables you to maximize earning assets, increase revenue, and minimize risk through change management. It is our sole objective to create value on behalf our clients, and we do so by covering the full spectrum of treasury management, from balance sheet management to customer and product profitability.

At AFS, we offer the option of entering into a revenue-sharing partnership with you not only to identify opportunities for revenue improvement and cost reduction, but to help you implement them and to measure the results. Only AFS invests its equity and intellectual capital in your business to ensure your success.

Payments Product Management Program Benefits:

• Increased earning assets
• Increased fee income
• Reduced revenue leakage
• Increased depository services and treasury management revenue
• Decreased check collection costs
• Improved productivity and efficiency
• Reduced operational risk/cost
• Better decision making and increased competitive advantage and shareholder value

Program Services

Within the scope of the Payments Product Management Program are services focused on enhancing bottom line profitability. As a partner, AFS continually monitors workflow efficiency and reevaluates changing environmental conditions (automation opportunities, client behavior, competitive positioning, changing rates, etc.) to re-optimize and prevent backsliding throughout the term of the partnership.

Maximize Earning Assets (Accounting and Processing Elements) Balance sheet analysis Non-earning asset reduction (includes Clearing Agent Analysis) Payments processing analysis General ledger and control account reconciliation and management Returned item and exception processing analysis

Enhance Treasury Management Revenue (Pricing, Billing, Collection, and Profitability) Account Analysis pricing Exception pricing management and price modeling Revenue leakage Float pricing Customer/relationship and product profitability

Minimize Risk through Change Management Acquisition/consolidation/conversion support Market planning and development

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Payments Service

The Payments Service is a web-based, 24/7 information access portal providing a single-source gateway to pricing and servicing schedules for the primary payments providers impacting bank depository costs. Other features include: News Service: daily updated to help you monitor industry developments Availability and transportation schedules: single-source gateway to pricing and servicing schedules for the primary payments providers impacting bank depository costs Schedule Library Updates: Listing of current library schedule updates AFS on the Industry: AFS commentary on industry developments Treasury Risk Workstation demo: access a demo of the new Treasury Risk Workstation product

Program Products

Through the AFS Payments Product Management Program, clients have access to powerful systems whose capabilities are unique in the industry. In combination with AFS staff expertise, these products create exceptional value:

Automation of payments application Item processing incoming workflow management Optimization of check collection costs and deposit services profitability analysis Customer float assignment and determination of actual bank float incurred Management of customer depository and treasury management services pricing and revenue leakage Treasury Management customer and product profitability reporting Analysis and delivery of customer credit relationship information Customer combined credit and non-credit relationship management information and profitability

Payments Product Management Program Product Suite:

AFS CheckTrack PLUS (CTPlus) Enables item processing managers to access real-time check receiving, processing, and tracking information by processing site, branch, and customer. AFS Deposit Analysis Service The AFS Deposit Analysis Service combines database management and analytic capabilities to provide immediate performance improvement in payments sales and delivery costs, revenues, profitability, and risk. Learn more about the Deposit Analysis Service AFS Product Manager Workstation AFS PMW eliminates the burden of working with large, disparate legacy systems to gather information. It combines raw data from account analysis with the organization's unique management reporting structure to deliver timely and meaningful information to the desktop. AFS Relationship Manager Workstation (RMW) Measures the profitability of individual relationships, encorporating both credit and non-credit services, as well as trust, international, and other relationship contribution elements as appropriate. AFS Touchpoint AFS Touchpoint communications presentation services, enables clients to benefit from tightly integrated personalized contacts, campaign management, and multi-channel delivery in one solution driven by AFS. With Touchpoint clients can dynamically tailor messaging to the specific demographics, product needs, and financial characteristics of individual customers using any media, including written and electronic communications such as statements, letters, e-mail, and fax. AFS Treasury Risk Workstation (TRW) AFS extracts data housed within your organization's diverse legacy systems—such as DDA, account analysis, CIF, float pricing system, check processing system—and integrates, manages, and continually updates them to provide a single source of timely and meaningful information to mange the depository and treasury management lines of business. TRW provides access to reporting for executive management, including analytics, modeling capabilities, consulting to improve financial performance and industry benchmarking. View the Treasury Risk Workstation brochure (PDF file 2125 Kb)

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For a demo or more information, e-mail us or call AFS Sales at +1 484 875 1250