part 1: bank without borders. limited effort. limitless possibilities

1<add your logo here>

CCB Program: Extending Your Reach

Date: XXXXPresented by: <Your Bank name here>Your premier North American Global Treasury Management Services Partner


Part 1:

Bank without borders. Limited effort.

Limitless possibilities.

You will learn how with <Your bank name here> as your partner, You can bank without borders,

while extending your reach into Canada.


• You want to operate in Canada, but retain financial control from the U.S.

• You need to collect funds and make payments in Canada with access to up-to-date information from Canada

• You want an easy-to-use Canadian solution

CCB Program – It is for you because..


As you deepen your business in Canada, the program will help you extend your footprint into Canada

We provide you with ongoing support

We research the Canadian Market and provide you with services you need – easily!

We can provide a full range of world class Canadian treasury management solutions

The program supports your growth


Expanded international treasury management

Seamless access to robust Canadian treasury management and treasury solutions

An “easy to understand” way to conduct business in Canada

An opportunity for you to reach new markets while leaving all the Canadian banking regulations and rules with us to understand

Reduced complexity associated with other international banking relationships

We pave the way for you extend your business into the Canadian market

Benefits For You


“All-in-one” Service Plans

Designed and packaged to make it easy and convenient to bank in Canada.

Choose either the Basic Plan, or the slightly more sophisticated Prime Plan. • Both plans offer:

• The easiest and simplest way to bank in Canada, • a fixed monthly fee

A full suite of services are also available to suit your needs


CCB Basic Service Plan

Included per month:Feature

<You specify the frequency>

Account information reporting

1 statementMailed Bank Statement

10 checks issuedWrite checks

CC

B A

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10 check depositsCash Concentration


CCB Prime Service Plan

<You specify the frequency>

Account information reporting

1 statementMailed Bank Statement

15 checks issuedWrite checksCC

B A

cco

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Up to1000 data entry strokes

1 every business day Faxed Daily Activity Report

15 check depositsA Prime Wholesale LockboxLo

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Included per month:Feature


Step 1 Step 2 Step 3 Step 4

You purchase CCB services through us.

We begin the account opening and set-up process.

We complete the set-up process on your behalf with our partner in Canada.

You are ready to bank in Canada.

We provide you with ongoing support.

You communicate ongoing requests.

How Easily the Program Works…


Full Suite of Canadian Services

<add additional product info, if required, for your target client, i.e. EFT, Wires, DirectCheque, etc.>


Part 2:

Success Stories

You will see how companies like you benefit from the CCB program every day


Profiling Success

<add personal success stories><i.e.. how an exemplary client realised new

opportunities for growth in Canada AFTER signing up with the CCB program>


<add a testimonial from a client on how the CCB program has benefited them…>

From Those Who Are Experiencing Success…


Join our Clientele…

< add logos of clients you service>

(this is slide is for visual impact, to show perspective clients what they can achieve)


Part 3:

Why <Your Bank Name Here>?

Learn why we are your #1 Canadian Partner.


Why Partner with <Your Bank Name> ?

Leadership: We have partnered with a leading Canadian Bank to provide you with Canadian Banking Services.

Uniqueness: <Enter statistic or unique fact here; i.e. competitive edge, etc.>

Innovation: CCB Program is unique in Canada & the US, with a client service and specialized support.

Reputation: Meeting the needs of clients like you for over xx years.

We now have a significant number clients like you benefiting from this CCB program that hold over xx CCB corporate accounts.

Service: Committed to providing exceptional service, making every effort to ensure that the CCB Program is easy for you to benefit from.


Part 4:

What’s Happening in Canadian Banking


Banking in Canada

Highly efficient - same day clearing of paper and electronic payments

Electronic - 75% of payment transactions in Canada are processed electronically; dominated by debit cards, credit cards, and ACH

National - operates across Canada in 6 time zones

Building for the Future - banks take a co-operative approach to new infrastructures: image processing, chip cards, large value

Canada has a highly efficient banking system


TECP is…

An industry-wide, mandatory initiative spearheaded by the Canadian Payments Association (CPA)

A mandate that stipulates the exchange of cheque images and MICR information during clearing, instead of paper cheques

Truncation (the “T” in TECP)

Electronic Cheque Presentment (ECP)

Image-based clearing in Canada

will mandate the electronic exchange of cheque images.


Why is This Change Necessary?

Evolving client needs

Reduce System Vulnerabilities

Leverage Technology

Improve access –faster tracing, dispute resolution and reconciliation

Increase flexibility - more choice with multiple access points - web, email, fax, print, file transfer, etc.

Increase control - fast access to information for reconcilement and pay/no-pay decisions

Avoid interruptions caused by unpredictable events Reduce reliability on physical cheque transition points

Imaging and web technologies are more widely available and accepted

Cheque imaging & TECP will improve the way we process cheques


7

Cheque Clearing in Canada…Today

Canada’s cheque clearing system is one of the world’s most efficient.


Cheque Clearing in Canada…Tomorrow

Image-based clearing in Canada

will mandate the electronic exchange of cheque images.


Standardization of Cheques in North America

Initially: Data CenterRemote or Data CentrePoint of Truncation

NoYes Substitute Checks/IRDs

Transfers to receiving FI upon acceptance

- two days to acceptPoint of captureLiability

Target: 2008October 2004Commencement

MandatoryVoluntaryParticipation

Canada - TECPU.S. - Check 21

Front and Back Images200 DPI b/w, 120 DPI g/s

Front and Back Images 200 DPI b/w

Imaging Standards

CPA Standard 006ANSI - ANS X9.100-140 Cheque Standards


TECP…Today and Beyond…

TECP is a well orchestrated, industry wide initiative

2007 “Build”2007 “Build”

Truncation will commence in a phased rollout

2008 “Test” + “Rollout”2008 “Test” + “Rollout”

Prepare for truncation enablement

June 30, 2007: CPA compliance deadline for cheques. Visit: www.cdnpay.ca

Develop internal applications, encrypt data, establish networks


Thank you for meeting with us today!

For more information on how the CCB Program can benefit you please contact us anytime.

<contact name><contact title>

<correspondent bank name><email address><phone number>

Extend Your Reach with the CCB Program

part 1: bank without borders. limited effort. limitless possibilities

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