1 3 Reasons Your CFO Wants You to

1 3 Reasons Your CFO Wants You to Stop Paying Suppliers With Paper Checks Presented by: Mark Brousseau, Brousseau & Associates Ed Kelley, Trans. Card www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved.

2 About Our Webinar Sponsor Established in 1998, Affirmative Technologies provides our customers leading-edge technology built and enhanced over 19 years; continuing on today with a best-in-class payment processing and risk management engines. www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 1 2 3 4 5 Leading provider of NACHA compliant processing platforms Best-in-class payment processing and settlement engine Development is 100% in-house Focused on payment technology Unparalleled service and commitment to our clients

What Makes Affirmative Technologies Unique Scalability – Reliability - Security Innovation Integration Affirmative continues to invest in security and infrastructure, staying current on all certifications and on top of the latest vulnerabilities. We position ourselves as your technology partner. We build and maintain enterprise grade, regulatory compliant systems so you can focus on your core business. www. affirmativeusa. com We integrate with other software companies, bringing the latest electronic payment options to our end-users and broadening your client base. © 2017 Affirmative Technologies. All Rights Reserved. 3

Affirmative Technologies Software Scalability – Reliability - Security Reporting Risk Management Payment Capture Support Payment Processing NSF We offer a wide array of payment capabilities and reporting tools through our enterprise payment www. affirmativeusa. com and processing engines. © 2017 Affirmative Technologies. All Rights Reserved. 4

5 B 2 B Payments www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved.

Top AP Priorities 6 38. 20% 36. 80% 25. 00% 19. 10% 16. 20% Electronic workflows Image archive Electronic invoice Spend network analytics/business intelligence 13. 20% Procurement network Supplier portal Source: IOFM www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. Electronic payments

How Businesses Pay Suppliers Mainly Card; 3%Other; 4% Mainly ACH; 28% [CATEGORY NAME], [VALUE] Source: IOFM www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 7

Even Large Businesses Rely on Checks % of ACH payments increases with company size Other Mainly card Small Medium All check Large Mainly ACH Mainly check 0% 10% 20% 30% 40% 50% Source: Remittance Coalition www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 60% 8

Businesses Want to Pay Electronically Level of interest in increasing the percentage of electronic payments to suppliers High 47% Moderate Low 45% 7% Source: Remittance Coalition www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 9

Sr. Mgmt. ’s Top AP Payments Pressures Risk of fraud 7% Transaction processing costs 16% Reporting 15% Timeliness 30% Accuracy 32% Source: IOFM www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 10

11 “ Overwhelming proportion of CFOs see future payment processes leading away from the paper trail. ” “ “ Our intent is to move away from paper checks for security and efficiency reasons in the next 12 -24 months. ” “ Finance executives expect to see more of a shift toward electronic payments alternatives from paper checks. ” Seeking higher-value payment processes through new technologies is the next logical step. ” www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved.

Holistic Payments Automated Clearing House Virtual cards Paper checks www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 12

The “Last Mile” of AP Automation www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 13

AP is Becoming More Strategic Slightly lower strategic importance 0. 6% Unchanged (we are of low strategic importance) 15. 3% Unchanged (we are of high strategic importance) 20. 4% Slightly higher strategic importance Significantly higher strategic importance 51. 0% 12. 7% Source: IOFM www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 14

3 Benefits of Electronic Payments www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 15

16 PAYNUVER: A NEW CLASS OF FUNDS DISBURSEMENT www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. Confidential & Proprietary Information

THE FUNCTIONALITY OF PAYNUVER A simplified way to make payments, and an enhanced experience to receive payments www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. Patent Pending Confidential & Proprietary Information 17

18 PAYNUVER APP www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 18 Confidential & Proprietary Information

19 PAYNUVER APP www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 19 Confidential & Proprietary Information

20 PAYNUVER APP www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved. 20 Confidential & Proprietary Information

21 Home Office 35111 US Highway 19 North, Suite 200 CONTACT US Palm Harbor, Florida Sherry Knitter, AAP Director, Business Development 727 -772 -9881 ext. 225 WWW. AFFIRMATIVEUSA. COM sknitter@affirmativeusa. com www. affirmativeusa. com © 2017 Affirmative Technologies. All Rights Reserved.