1 CCB Program: Extending Your Reach Date: XXXX Presented by: Your premier North American Global Treasury Management Services Partner

2 Part 1: Bank without borders. Limited effort. Limitless possibilities. You will learn how with as your partner, You can bank without borders, while extending your reach into Canada.

3 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..

4 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

5 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

6 “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

7 CCB Basic Service Plan Included per month:Feature Account information reporting 1 statementMailed Bank Statement 10 checks issuedWrite checks CCB Account 10 check depositsCash Concentration

8 CCB Prime Service Plan Account information reporting 1 statementMailed Bank Statement 15 checks issuedWrite checks CCB Account Up to1000 data entry strokes 1 every business day Faxed Daily Activity Report 15 check depositsA Prime Wholesale Lockbox Lockbox Included per month:Feature

9 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…

10 Full Suite of Canadian Services

11 Part 2: Success Stories You will see how companies like you benefit from the CCB program every day

12 Profiling Success

13 From Those Who Are Experiencing Success…

14 Join our Clientele… (this is slide is for visual impact, to show perspective clients what they can achieve)

15 Part 3: Why ? Learn why we are your #1 Canadian Partner.

16 Why Partner with ? Leadership: We have partnered with a leading Canadian Bank to provide you with Canadian Banking Services. Uniqueness: 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.

17 Part 4: What’s Happening in Canadian Banking

18 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

19 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.

20 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, , 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

21 7 Cheque Clearing in Canada…Today Canada’s cheque clearing system is one of the world’s most efficient.

22 Cheque Clearing in Canada…Tomorrow Image-based clearing in Canada will mandate the electronic exchange of cheque images.

23 Standardization of Cheques in North America Initially: Data CenterRemote or Data CentrePoint of Truncation NoYesSubstitute Checks/IRDs Transfers to receiving FI upon acceptance - two days to accept Point of captureLiability Target: 2008October 2004Commencement MandatoryVoluntary Participation Canada - TECPU.S. - Check 21 Front and Back Images 200 DPI b/w, 120 DPI g/s Front and Back Images 200 DPI b/w Imaging Standards CPA Standard 006ANSI - ANS X Cheque Standards

24 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: Develop internal applications, encrypt data, establish networks

25 Thank you for meeting with us today! For more information on how the CCB Program can benefit you please contact us anytime. Extend Your Reach with the CCB Program