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Treasury Management

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Treasury Services

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About UsAlliance Bank is an established Texas bank with a strong banking presence in Northeast Texas since its opening in the late 1920s. At Alliance Bank, you are the priority. Our dedicated professionals are empowered to quickly address your needs and make your experiencean easy process. Simply put, Alliance Bank is about the relationship,not the transaction. Our Treasury services strengthen an organization's capability toimprove financial performance. By implementing a treasurymanagement service, businesses are able to streamline the paymentprocess and reduce time spent on payment authorization andinitiation.Our primary goal of Treasury's services is to improve your business'efficiency, profitability, and

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Meet the Treasury Team PABLO GUZMAN TAYLOR PHILIPS PEYTON FULLER VICE PRESIDENT TREASURY SERVICES MANAGER TREASURY SERVICE SUPPORT ANALYST TREASURY SERVICES SUPPORT REVIEW 903 439 6706 903 487 2641 903 439 6770 treasury alliancebank com treasury alliancebank com treasury alliancebank com

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TABLE OF CONTENTS010305Merchant ServicesRemote Deposit CaptureACH & Wires0709Positive PayAutobooks11Business Online Banking ____________________________________________Business Online Banking__________________ ___________Positive Pay ___________________ ___________Autobooks______________ ____________ACH & Wires______________ _________________Merchant Services____________________ ____________________________Remote Deposit Capture________________________ _________________________Business Online Banking___________________________

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Merchant Services Credit Card ProcessingCustomers typically expect businesses to accept allforms of payment. Businesses that don't accept credit ordebit cards risk losing a large volume of sales. AllianceBank provides businesses with seamless and securecredit card processing services. We review your creditcard transaction and offer processing solutionsspecifically tailored to your business needs. Product Features:Cost-free analysisCompetitive pricingOnline reportingAvailable to Alliance Bank customers & non-customersTREASURY MANAGEMENT | MERCHANT SERVICES PAGE 1 ______________Positive Pay_____________ _____________ACH & Wires_______________ ___________Autobooks_____________ ________________________Remote Deposit Capture_____________________________ ____________________________________Business Online Banking____________________________________ _______________Merchant Services_________________ ________________________Remote Deposit Capture_____________________________

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TREASURY MANAGEMENT | MERCHANT SERVICES PAGE 2Merchant Services Credit Card ProcessingOnline Sales MobileVirtual TerminalRental ProgramsSeasonal ProcessingReporting/Analysis POSCountertop TerminalsSell products and services online through ourE-Commerce solutionsAcceptance of payments with amobile card reader. Compatible withmost iPhone and Android phones.Businesses that only need to process in certain monthscan be deactivated atspecific times of the year to save money. Online reporting access with detailed account oftransaction activity, volume, and batch reportsand other report capabilitiesall in one place. 24/7/365.Tablet based POS withrobust payment capabilityalong with businessmanagement tools.Using internet access,process credit cardthrough our encryptedsecure web portal.Terminals accepting creditcards/contactless pay, EMV,and mobile payments withthe latest in securitytechnology.We can provideterminals for specialevents or for a short-term rental need

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Scan check images for deposit into your business bank accountUpload multiple checks in a single depositView images of deposited checksSave administrative timeMake deposits into multiple accountsRemote Deposit CaptureOur Remote Deposit service is like having a teller in youroffice. Utilizing an easy-to-use check scanner provided byAlliance Bank, your check images are processed from thesafety of your office, and in most cases, funds areavailable in the next business day. Product Features:TREASURY MANAGEMENT | REMOTE DEPOSIT CAPTURE PAGE 3Saving youSaving youtime &time &

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TREASURY MANAGEMENT | ACH & WIRES PAGE 5ACH & WiresThe ACH network functions as an efficient, electronicalternative to paper checks. By utilizing our ACH service,you can easily manage your account payables andaccount receivables.ACH is the most widely used electronic processingnetwork for bank transfers in the United States. ACHhelps businesses cut down on the manual time spenton processes such as writing paper checks.Pay an employee or reimburse checks with the directdeposit of an ACH credit into the recipient's checkingaccount.Easily manage your account receivables byelectronically debiting your client's account.Manage account payables by electronically creditingyour vendor's account. Product Features:

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TREASURY MANAGEMENT | ACH & WIRES PAGE 6ACH & WiresMake and receive vendor payments 24/7, electronicallyIdeal for businesses with a high volume of recurringreceivables, including:Monthly duesPaymentsPremiumsBill customers directly for an expedited processMore efficient and accurate processingDirectly deposit employee payrollStreamline recordkeepingFewer errors in accounting, reducing human errorEliminates waste and expense of paper checksMore closely predict your overall cash flowWire funds, hassle-free:Easy, same-day, safe movement of fundsMove money locally, regionally, nationally, or eveninternationallySchedule one-time transfers or create recurringtemplates for future use

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Positive PayTREASURY MANAGEMENT | POSITIVE PAY PAGE 7Unfortunately, scammers and thieves have beentargeting businesses for some time, exploitingweaknesses for their own gain. That's why we offerPositive Pay to protect against check fraud, notifying youpromptly should it determine any suspicious activity. OurFraud Defense is crafted to give you more control overthe payment of checks. Positive Pay works by matching the dollar amount ofeach check, the check number, and the account numberthat is presented for payment against checks that havebeen previously authorized and issued by the business. Ifthese three components do not match up, the check isnot paid. When a check is presented to a bank that doesnot have a "match" in the transmitted file, it becomeswhat is known as an "exception item". When anexception item is found, the bank will contact the client,who will then review and instruct the bank to eitheraccept or deny the check presented.

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Positive PayTREASURY MANAGEMENT | POSITIVE PAY PAGE 8Positive Pay is an automated fraud detection tool offeredby Alliance Bank. It's a service that matches the accountnumber, check number, and dollar amount of eachcheck presented for payment against a list of checkspreviously authorized and issued by the company. Thepayee information can also be added for verification. With Positive Pay, fraud attempts can be caughtimmediately with instant notification.You can control the payment of checks that arepresented with altered information.Have the security of knowing your checks are beingreviewed for accuracy. Product Features:

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AutobooksTREASURY MANAGEMENT | AUTOBOOKS PAGE 9Autobooks upgrades online banking to include theproduct suite that is "just the right fit" for the smallbusiness.Product Features:Accept online payments from customers via card andACH. Incoming payments are deposited directly intotheir existing checking account.Easily track incoming customer payments andoutgoing bill payments in a single application.Automated bookkeeping tasks and access to financialreports.95%95%of Autobooks users areof Autobooks users arepaid within 5 business dayspaid within 5 business daysafter sending an invoice.after sending an invoice.

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AutobooksTREASURY MANAGEMENT | AUTOBOOKS PAGE 10Send a professional invoice right to yourcustomer's inboxCreate and send a great-looking invoice inminutes. Delight your customers with easy onlinepayment options. You'll be able to see who paidtheir invoice, and who is past due.Payments go right into your BusinessChecking AccountIn just a few clicks, your customers pay you withtheir debit card, credit card, or an electronic banktransfer. Payments are deposited directly into yourbusiness checking account. Always know your payment activityQuickly see who opened your invoices, who madea payment and who still owes you money. You canalso access more detailed reports, such as BalanceSheets or General Ledgers.

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Business Online BankingTREASURY MANAGEMENT | BUSINESS ONLINE BANKING PAGE 11Free, secure, and easy-to-use service for Alliance Bank customersManage a number of banking activities anytime, anywhere* withInternet access:Access eStatementsView account balances and historyTransfer funds between accounts (one-time and recurringtransfers)View checks writtenMake loan paymentsCardSwap - update preferred payment method for your favoriteonline streaming & shopping services, all in one place.And more*For security purposes, online banking may not be available from geographic locations outside of the United States.

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Business Mobile BankingTREASURY MANAGEMENT | BUSINESS ONLINE BANKING PAGE 12Fast, free, and secure service for customers enrolled in onlinebanking1Available to Alliance Bank customersEasily keep track of your finances — even on the go:View account balancesReview historyTransfer funds between accountsReceive alertsPay billsAvailable via any web-enabled cell phone or deviceUtilize this service three convenient ways:Web browsingApp download – iPad/iPhone® | AndroidGet it on Google Play™Text bankingSave valuable time and effort; avoid an extra trip to a branch