• AAA CAROLINAS PRESENTATION

• INFOSCORE PRESENTATION AND

DEMONSTRATION

• DRAWING FOR $500 AMERICAN EXPRESS

GIFT CARD

PAYDATA

HEADQUARTERED IN CHARLOTTE NC

AAA CAROLINAS OFFERS TO MEMBERS IN NC AND SC• 24 HOUR ROADSIDE ASSISTANCE PLUS TRAVEL

• INSURANCE & AUTOMOTIVE SERVICES

• ALMOST 2 MILLION MEMBERS (1,993,800 AS OF 9/13/14)

AAA CAROLINAS HAS AT LEAST 8 DIFFERENT STATEMENTS INCLUDING:• 1ST, 2ND, AND 3RD BILLS FOR MEMBERSHIP RENEWALS

• DIRECT MAIL OFFERS FOR NEW AND RETURNING MEMBERS

• STATEMENTS FOR CREDIT CARD REJECTIONS

• BILL ONLY STATEMENTS FOR MID-TERM BILLING

• MEMBERSHIP UPGRADES

• RDC CAPTURE FOR BRANCHES AND SERVICE CENTERS

PRIOR TO PAYDATA

• AAA CAROLINAS OUTSOURCED THE IMAGING PROCESS.

• THE OUTSOURCER WAS ABLE TO PROCESS AAA STANDARD TRANSACTIONS IN A TIMELY MANNER. HOWEVER, EXCEPTION TRANSACTIONS WERE SENT TO AAA FOR PROCESSING.

• THE EXCEPTIONS (NOW AT LEAST A DAY OLD) WERE PROCESSED MANUALLY BY 5 OPERATORS

WORKING 6 HOURS.

IN 2003, THE DECISION WAS MADE BY AAA CAROLINAS MANAGEMENT TO BRING

MEMBERSHIP PAYMENT PROCESSING IN-HOUSE.• INFOSCORE WAS SELECTED BASED ON ITS INNOVATION AND ITS ABILITY TO PROVIDE A STANDARD

SOLUTION THAT WOULD ACCOMMODATE AAA’S BUSINESS REQUIREMENTS.

• INFOSCORE IS AN ENGINEERING COMPANY KNOWN FOR SUPPORT AND FLEXIBILITY.

AAA CAROLINAS USES INFOSCORE’S PAYDATA SOLUTION TO PROCESS BOTH STANDARD AND

EXCEPTIONS IN-HOUSE AS FOLLOWS:• ALL STANDARD AND EXCEPTION ITEMS ARE SCANNED.

• THE EXCEPTION ITEMS ARE AUTOMATICALLY CLASSIFIED BY EXCEPTION TYPE.

• AN IMAGE OF EACH EXCEPTION IS DELIVERED TO AN OPERATOR FOR RESOLUTION.

• AAA CAROLINAS’ CUSTOM IN-HOUSE SOLUTION (AS400 DATABASE) IS UPDATED WITH ALL

TRANSACTIONS WITHOUT THE USE OF PAPER

• ALL DEPOSITS ARE ELECTRONICALLY POSTED IN THE BANK USING INFOSCORE’S CHECK 21 SOLUTION.

STANDARD SOFTWARE FOR ALL CUSTOMERS.• UPGRADE PROJECT CONTINUES

• A CITY IN NC ARE GETTING THE SAME SOFTWARE UPGRADE

ALL STANDARD AND CUSTOM TRANSACTIONS FOR MEMBERSHIP PAYMENTS RECEIVED BY MAIL

AND HQ DEPOSITS FOR OTHER LINES OF BUSINESS ARE PROCESSED IN-HOUSE BY 4 PEOPLE IN

5 HOURS PER DAY. ADDITIONALLY:• ALL TRANSACTIONS ARE STORED IN THE IMAGE ARCHIVE AND AVAILABLE FOR ACCESS BY

AUTHORIZED PERSONNEL REDUCING THE NEED FOR SECURED PHYSICAL STORAGE OF STATEMENT

AND CHECK DOCUMENTS.

• EXCEPTION ITEMS ARE PROCESSED IN A TIMELY MANNER AND COMPLETELY DOCUMENTED AS

WELL AS AVAILABLE FROM THE ARCHIVE.

• ALL DEPOSITS ARE AVAILABLE TO BE POSTED TO THE BANK THE SAME DAY.

• BANK CORRECTIONS AND OPERATOR ERRORS ARE GREATLY REDUCED

• BANK EXCEPTIONS ARE MINIMAL

PAYDATA UPGRADE:• 100% BROWSER-BASED SOLUTION ENABLING ANY OPERATION TO BE PROCESS REMOTELY

• 93% PLUS CAR/LAR CORRECT READ RATE

• INCREASE IN KILLS (I.E. 90% PLUS FOR RENEWALS)

• TRANSACTION PROCESSING OVER BATCH PROCESSING INCREASES OPERATOR FLEXIBILITY

• “LASSO” FUNCTIONALITY REDUCES KEYSTROKES FOR OCR AND MICR LINES

• SCHEDULED TO EXPAND AND ADD INSURANCE USERS WHO WILL UTILIZE PAYDATA 4.5 TO

AUTOMATE PAYMENT APPLICATION AND POLICY CHANGES REDUCING PROCESSING TIME.

PAYDATA UPGRADE LISTED (BUT NOT LIMITED TO):• INCREASED EXCEPTION PROCESSING FUNCTIONALITY

• EXCEPTION MANAGEMENT & REPORTING

• EXCEPTIONAL IMAGE QUALITY

• NO RE-SCANS OR PRE-ANNOTATION OF LIGHTLY PRINTED PAYMENTS

• BETTER AUDIT TRACKING

• COMPLETE INFRASTRUCTURE AND OPERATOR MONITORING AVAILABLE TO ALL OPERATORS

THANK YOU!

QUESTIONS FOR

AAA

LOCKBOX

REMITTANCE

HOME OWNER ASSOCIATION

REMOTE DEPOSIT CAPTURE

RETURN ITEM PROCESSING

DOCUMENT SCANNING

PAYDATA

LOCKBOX, REMITTANCE, & HOA

Similar Segments in the business. HOME OWNER ASSOCIATION (“HOA”) PROCESSING

Header-less intermixed Client Profile scanning eases HOA processing

REMOTE DEPOSIT CAPTURE “RDC”

RDC provides all RDC functions plus all Remittance/Lockbox/Document

Scanning functions.RETURN ITEM PROCESSING E.G. “NSF”

Totally paperless automated NSF processing.

DOCUMENT SCANNING

Including full text search (enhanced by our image quality).

Single Sign-On System

LOCKBOX, REMITTANCE, & HOA

Similar Segments in the business. HOME OWNER ASSOCIATION (“HOA”) PROCESSING

Header-less intermixed Client Profile scanning eases HOA processing

REMOTE DEPOSIT CAPTURE “RDC”

RDC provides all RDC functions plus all Remittance/Lockbox/Document

Scanning functions.RETURN ITEM PROCESSING E.G. “NSF”

Totally paperless automated NSF processing.

DOCUMENT SCANNING

Including full text search (enhanced by our image quality).

Single Sign-On System

INFOSCORE’S RDC PLUS™ PROVIDES ALL STANDARD RDC FUNCTIONALITY PLUS UNIQUE

LABOR-SAVING FEATURES, INCLUDING:

Virtual Deposit Tickets

On-the-fly host updates thereby minimizing between batch processing time.

RDC PLUS™ IS HOSTED BY INFOSCORE’S REMITTANCE/LOCKBOX & DOCUMENT

SCANNING SOLUTION; IT IS A PATHWAY INTO THE SYSTEM AND BENEFITS FROM ITS MANY

FEATURES, SUCH AS:

RDC plus WholeSale, Retail & WholeTail Scanning

Real-Time Dashboard Monitoring

Reporting

Business Rules

Exception Handling

FUNNEL ELIMINATES PO BOXES & POSTAL SORTING

Reduce postal cost and sorting time by Scanning Retail and WholeTail accounts with a single mixed

accou0nt P.O. Box

PAYDATA electronically Sorts plus Auto-Flips & Auto-Rotates items

Eases Home Owner Association (HOA) processing

HIGHEST QUALITY IMAGES

Process light, gel-pen and busy documents with excellent results.

Eliminates re-scans

Eliminates pulls

LOWER & CONTROL BUDGET WITH PAYDATA'S FIXED VOLUME-BASED COST

Priced as a one-time entry fee plus fixed monthly amount for support, upgrades and generic

enhancements.

IMAGE-BASED EXCEPTION MANAGEMENT

Eliminates manual copying/re-scanning & other workarounds

Full auditing

OUTSTANDING CAR/LAR READ & KILL RATES

Proven actual 94% read rate

Proven actual 93% kill rate

EXTREMELY LOW EXCEPTIONS & REJECTS

Exceptions ≈(.06%)

Rejects ≈(.001%)

EASY TO MONITOR USERS AND ARCHITECTURE ACTIVITY

Monitor with few staff using a single “Dashboard” (for all capture

sites and data center locations).

System Monitor

PERFORMANCE

Proven Performance of over a million items per day

Proven Scalability down to a few items per week

Short transaction latency thereby accelerating deposits

COMPLETE DASHBOARD MONITORING

State and health of PAYDATA services from a single dashboard

State and health of PayData services

What users are logged-in and where

CAR/LAR rates, total and per scanner

OCR rates per scanner

CHADD items & rates, total, per scanner type and per scanner

Disk available for images

Status of transactions and batches

Audit Information

Summary of item progress through workflow (e.g. captured and batched in current day,

current exceptions, waiting to be keyed, suspended, etc.)

SCANNER QUALITY MANAGEMENT BY MONITORING BY ALL, TYPE AND INDIVIDUAL SCANNER

CAR/LAR Rates

OCR from Image Rates

Kill Rates

Change of Address (CHADD) Effectiveness

Exceptions

Bad Images

Bad Files

And more…

FULL RANGE OF SCANNERS PROVIDED BY SCANMAN

High quality images and quality monitoring is provided for all scanners - Burroughs, Canon

CR & DR, CTS, Digital Check, IBML, NCR, OPEX, Panini, TWAIN (Page Scanners) & PAYDATA’s

test/demo/training scanner.

In addition, no out-sorting is required (e.g. Money Orders due to being too light or too dark)

during scanning of any type of document and no kill-logic is used in OPEX Eagles, thereby

improving recognition rates and performance on all scanners.

PAYDATA’S“SCANMAN” WITH IMAGE

ENHANCEMENT

BURROUGHS

CANON CR & DR

CTS

DIGITAL

CHECK

IBML

NCR

OPEX

PANINI

PAGE

SCANNERS

TRAINING, TEST & DEMO

PayData Capture

PAYDATA’S SUPERIOR IMAGE QUALITY ELIMINATES VIRTUALLY ALL OUT-SORTS, MANUAL

PULLS, MANUAL HANDLING & RE-SCANNING

The lightly-printed money order is easily readable and does not require an amount to be

hand-written before scanning.

Busy checks and other documents are very readable.

The writing on gel-pen written documents are very readable

FULL CREDENTIAL CONTROLS

Administrator control of all “Sites,” “Groups,” “Accounts,” “Functions,” “Type of

Transactions,” and “Exception Types (e.g. Wires, Bankruptcy, etc.)” with PAYDATA‘s Single Sign

On (SSO) credential management system.

IMAGE-BASED EXCEPTION MANAGEMENT

Eliminate slow process of pulling or re-scanning of paper-based non-auditable exceptions.

Process them without re-scanning or pulling with PAYDATA’s fully-featured image-based

exception management system where all operations are fully audited.

COMPLETE SYSTEM AUDITING

System auditing is provided for all user, software functions and system functions.

INCREASE YOUR LOCKBOX CUSTOMER FOOTPRINT

Increase your market footprint with PAYDATA’s multi-industry solution

EXTENSIVE HOT FILE SUPPORT

Negative and positive hot files support. Multiple hot file validations can be applied

to the same items.

NO WORK-AROUNDS

100% image-based though-out the entire system

No out-sorting during scanning

No pulling items (except damaged items)

MICR, OCR and TEXT Reading

Optional (with license) of full-text read is useful in document scanning and in

Remittance/Lockbox for finding text like “Return” or “Close”.

Operators can invoke automatic OCR, MICR and text recognition via on-screen

highlighting.

DUPLICATE PREVENTION

Duplicate detection and resolution

PRODUCTION AND TEST REGIONS

Feature Test,” “Volume Test” and “Production” operational regions are supported.

EXTENSIVE ERROR HANDLING AND REPORTING

Extensive system error-handing & logging is provided to monitor and diagnose

customer environments.

ACCOUNT HISTORY

Ease Check Only transactions with support to recover fields (e.g. Customer Account

Number) from previously entered fields and scanned coupons.

ENHANCED SPECIAL PROCESSING

Ability to efficiently process “Special Processing” type (e.g. “Bankruptcy,” “Wires,”

“Splits,” “Debits/Credit with signed balancing logic,” “Cash Tickets,” “Charge Off,”

“Commissions and Fees” etc.)

SIMPLE AND COMPLEX TRANSACTION TYPES

Full support for all the following with or without embedded envelopes and correspondence

Statements (Coupons) Only

Statements (Coupons) & Payments (Checks)

Payments (Checks) Only

Correspondence Only

Payment (Check) & List

Deposit Only (e.g. RDC)

Ability to assign/re-assign a payment’s type (e.g. GL Credit)“

Ability to split a transaction into multiple transaction (e.g. Customer pays for two or more account

with a single remittance).

Ability to copy/move correspondence images across split transactions

Envelope images are automatically copied across split transactions

All system functions give enhanced context tracking information

Ability to assign a transaction to a Special Processing type (e.g. Bankruptcy)

Ability to mark an item as a CHADD

MICR, OCR AND TEXT READING

Optional (with license) of full-text read is useful in document scanning and in

Remittance/Lockbox for finding text like “Return” or “Close”.

Operators can invoke automatic OCR, MICR and text recognition via on-screen

highlighting

CHANGE OF ADDRESS DETECTION (CHADD)

CHADD actual rates and false positive rates are reported.

False positives are minimal.

Both or either side.

NO WORK AROUNDS

100% image-based though-out the entire system

No out-sorting during scanning

No pulling items (except damaged items)

CHECK 21 DEPOSIT

Since the enactment of Check21 Infoscore has enabled our system to interface with

the format of banking institutions of our clients. We are compatible with the top

banks in the country as well as smaller regional banks that our clients have

relationships with.

Due to our design, it is simple to add banks to our Check21 solution as our Clients

expand their relationships.

BANKS SUPPORTED

Bank of America, The Bank of Georgia, Bank of River Oaks, Bank of The West, BB&T,

Chase, Comerica Bank, Compass Bank, Enterprise Bank, First Victoria, FISERV,

Founders Bank, Independence Bank, Mercantil Commerce Bank, Metro Bank,

Moody National Bank, M&F Bank, M&I Bank, M&T Bank, SunTrust, Wachovia, Wells

And more.

DEVELOPMENT

Standardized/non-custom software solution for 14 vertical markets

Designed for extensibility

Built on Microsoft .NET Framework

Solution is a combination of Windows services and browser-based applications

All user interfaces are browser-based

SQL back-end database (2008 or later)

Flexible development practices for quick response to customer needs (e.g. a

regulation change).

Automated publishing with strict version controls.

EOB PROCESSING

Integration with OrboGraph available Oct 30th..

DOCUMENT SCANNING

Competitive Enhancements

HOSTED AT YOUR SITE

With your staff performing scanning functions and operator

functions.

With your staff performing scanning functions and any 3rd party

you designate including off-shore for operator functions.

And if desired, with our SSAE 16 SOC 1, Type II site for business

resumption.

HOSTED AT OUR SSAE 16 SOC 1 TYPE II SITE

With your staff performing scanning functions and any 3rd party

you designate including off-shore for operator functions.

With our SSAE 16 SOC 1 Type II site as business resumption

Or, any combination thereof.

AAA CAROLINAS

THEIR

BUSINESS

THE

CHALLENGE

PRIOR TO

PAYDATA

THE

PAYDATA

SOLUTION

THE

BENEFITS

NOW WITH

PAYDATA

4.5

Sales Partners

INQUIRE ABOUT

BEING A PART OF

OUR PARTNER

NETWORK

INFOSCORE

AAA CAROLINAS

ANONYMOUS

CITY OF

GREENSBORO

CITY OF

NORFOLK

COLLEGE

FOUNDATION

OPEX

UNITED

CHARITABLE

EXPERIENCE DRAMATIC REDUCTION IN YOUR OPERATING COST

GET ADVANCED FEATURES DESIRABLE BY TREASURY MANAGEMENT

ELIMINATE WORKAROUNDS AND PRE-SORTS

GREATLY REDUCE MANUAL PREPARATION BEFORE SCANNING

GET FULL AUDITING AND EXCEPTION REPORTING

EXPERIENCE OUTSTANDING QUALITY, READ RATES AND KILL RATES

BE EFFECTIVE WITH AN ALL IMAGE-BASED EXCEPTION MANAGEMENT SYSTEM

OPERATE LARGE HIGH PERFORMANCE INSTALLATIONS WITH COMPLETE MONITORING

EXPERIENCE EXCEPTIONAL FUNCTIONALITY

ELIMINATE RISK WITH GENERIC IMPLEMENTATION (NO CUSTOM CODE)

PROVIDE EXCEPTIONAL IMAGE QUALITY TO YOUR CUSTOMERS

ELIMINATE MANUAL PULLS EXCEPT DAMAGED ITEMS

VIRTUALLY REDUCE RE-SCANS TO ZERO WITH OUR IMAGE QUALITY

REDUCE RISK WITH CERTIFIED GENERIC DEVELOPMENT

BOTTOM LINE

PAYDATA is a standardized/non-custom software (all features

are generically implemented) solution for business that is

refreshed as technology advances.

With Infoscore’s standardized software methodology, all

features implemented for any customer are made available to

all customers. Also, if a banking or other regulation makes a

change a new feature necessary, it can be responded to quickly

with an update sent out to all customers. Otherwise, non-

standard or custom solutions require each customer’s

application software to be changed and tested separately in all

cases.

THANK YOU!

QUESTIONS?<INFOSCORE’S CONTACT TAB>

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