Treasury Management Receivables Solutions

1 Treasury Management SolutionsReceivables Treasury Management SolutionsReceivablesStreamline your collection cycle to improve working OfferBENEFITSC onsolidated ReceivablesAutomatically capture remittance details across multiple payment channels. Reduce the time, expense, and inaccuracies of manual Bill Presentment and Payment (EBPP)Provide your customers the convenience of viewing their bills online and choosing their payment date and faster payments convenient and flexible, online ServicesAccept credit and debit card payments online or at the point-of-sale (in-person) using our secure and innovative payment cash flow by receiving card payments as soon as the next business Clearing House (ACH)

2 And EDIE liminate the cost and inefficiency of paper processes by moving to electronic collections. Realize significant cash flow benefits by eliminating mail automate the collection and application of electronic processing by consolidating payment and remittance data into a single posting Vault Services and DeposiCashConsolidate cash deposits from multiple locations into a single account and consolidated report for faster clearance and easier processing bottlenecks to get deposits working for you Deposit Capture and Image Cash LetterSave time by scanning checks at your office for secure online

3 Transmission and convert paper checks to electronic ReceivablesConsolidate paper and electronic EOB data, remittance advices, and payment information into a simple, automated post remittance to your Management LockboxEliminate the time and cost of manually processing deposits , more efficient collections can significantly improve cash Receivables Solutions and platforms can work independently or combined to automate processes, reducing operational costs, and accelerating cash working capital trapped in your balance and efficient processing of Receivables can make a tremendous impact on your company s financial performance.

4 Streamlining your collection cycle can help you improve working capital. Yet, compliance issues and the rapid increase in customer payment channels have, if anything, made Receivables even more offers a variety of flexible Solutions that help simplify and accelerate your Receivables process, start to finish. SolutionsPRODUCTSA utomate Receivables workflowStreamlining your workflow helps you close invoices faster while ensuring a more efficient payment-posting process. Consolidated ReceivablesDigitize the invoice-to-cash processMoving from paper to electronic processes can significantly improve the speed and efficiency of your Receivables collection and Management .

5 Receive cross-currency credit card transactions seamlessly and securely. EBPP ACH Debit Orgination ACH Authorization ACH Cash Concentration Merchant ServicesSimplify posting to increase productivityTake paper out of the system, cut costs and improve productivity. e-Lockbox Healthcare ReceivablesHandle deposits more efficiently Choose the processing options that best suit your needs. Cash Vault Services DeposiCash Remote Deposit Capture Image Cash Letter Wholesale LockboxTogether, we can look at automating processes, reducing operational costs, and accelerating your Receivables inflows and ApproachClose invoices more quickly and ensure faster payment processing, remittance and reconciliation.

6 2 Payment ProcessingChoose from a range of Solutions that enable faster processing and access to ReconciliationAutomate your Receivables posting processes with the receipt of a single data file in the format compatible your Receivables Present InvoicesEasily convert expensive paper-based billing and payments into a simple and secure online Remittance DetailCollect payment details across multiple paper to electronic processesSignificantly improve the speed and efficiency of your Receivables collection and Management . CONSOLIDATED RECEIVABLESS traight-through processing.

7 Combine information into a single data file for easy integration into your accounts receivable BILL PRESENTMENTO ptimize Cashflow. Moving from paper to electronic processes can significantly improve the speed and efficiency of your Receivables collection and Management . Easily convert expensive paper-based billing and payments into a simple and secure digital payment application. Advanced data scrub feature helps identify incorrect payer information for quick review and repair of exception items LOCKBOXE liminate Manual Processing. Collect and process both business-to-business and customer payments in a single, integrated CASH CONCENTRATIONC onsolidate Funds.

8 Minimize excess balances, reduce borrowing costs, and unlock working AUTHORIZATIONI mprove Cashflow. Provide greater security than checks to help mitigate risk and financial loss; only those transactions that match your criteria post to your DEBIT ORIGINATIONA ccelerate Collections. Same Day ACH debits ensure faster transaction processing and availability of Net CashPut your entire Treasury relationship right at your by our real-time processing platform, BBVA Net Cash integrates and securely streamlines the Management of accounts Receivables and other functions.

9 You can connect from your desktop or mobile device. The consistent workflow features simple dashboard controls and can be customized to meet your VAULT SERVICES AND DEPOSICASHM anage Cash Securely. Deposits are tracked individually from the point of delivery through DEPOSIT CAPTURE AND IMAGE CASH LETTERF lexible Deposit Solutions . Scan checks at your office for secure online transmission and processing. MERCHANT SERVICESP rovide Alternative Payment Options. Next-generation technology maximizes ecommerce approval rates, while increasing customer Receivables Consolidate EOB Data.

10 Eliminate manual data entry, allowing you to post and balance healthcare payments faster and more accurately to improve overall cash flow. TM-02-8013BR Rev 05/20 BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. BBVA USA, Member FDIC. All accounts and credit are subject to approval, including credit BBVA USABBVA USA is a leading banking franchise with operations throughout the Sunbelt region and ranks among the top 25 largest commercial banks based on deposit market share. BBVA operates over 600 branches in Alabama, Arizona, California, Colorado, Florida, New Mexico, and the BBVA GroupBBVA is a customer-centric global financial services group founded in 1857.