Help your business customers deal with online bill payment transactionsAR-Box from Creative Payment Solutions gives your financial

institution a state-of-the-art online receivables processing

answer that competes with solutions from the nation’s largest

banks. There’s no capital investment or budget allocations

needed to quickly help your consumer billers deal with

their online bill payer transactions from multiple processors.

With electronic bill payments continuing t o grow, your business

customers are looking to you to help them gain control of this

technology and take advantage of it. AR-Box does all that and more.

How AR-Box® works for your customers and prospects Ever wonder exactly how online bill payment systems work? After consumers pay their bills online,

they are electronically sent to various payment processors for debiting from their DDA accounts.

This payment information is then sent to AR-Box, which credits your customers’ accounts at your

financial institution or any other. An automated accounts receivables file is uploaded to the

Biller’s accounting system eliminating data entry and our online reporting tool provides daily

detailed transaction information. (See our process flowchart on back.) It’s seamless, secure and

cost-effectively works for any size business.

Use AR-Box® to retain your customers and prospect for new onesOur browser-based receivables processing system allows your

customers to more efficiently receive and process online payment

activities from their customers. AR-Box consolidates all your

customer’s electronic payment information from numerous payment

processors into a single source. It’s easy-to-use with multiple levels

of access and security, web-based reporting tools and transaction

search capabilities. And because there’s no need to open a new DDA

account to use AR-Box, you’ll have a new prospecting tool to get a foot

in the door to add new customers and market share.

To learn more about AR-Box from Creative Payment Solutions and how it will benefit both your

financial institution and your customers, please call our support team at 1-800-508-0277 or visit

www.creativepaymentsolutions.com today.

AR-Box® Online Receivables Processing for Consumer Billers

Compete with major banks using this advanced receivables product

State-of-the-art online receivables processing.

Prospecting tool to capture more market share.

No new DDA account needed.

No capital investment.

Retain your customers and build loyalty.

Expand your geographic reach.

New fee income opportunity.

Easy-to-use, browser-based system.

Multiple levels of access and security.

Web-based reporting tools and transaction search capabilities.

CREATIVE PAYMENT SOLUTIONS

Creative Payment Solutions, Inc. • P.O. Box 2341, Wilson, NC 27893 • Phone: 1-800-508-0277 Fax: 1-800-518-9364Creative Payment Solutions is a subsidiary of BB&T Corporation • Member FDIC

Automated daily accounts receivables file updates with the click of a mouse.

AR-Box® Online Receivables Processing Financial Institutions

Creative Payment Solutions Inc • PO Box 2341, Wilson, NC 27893 • Phone: 1-800-508-0277 Fax: 1-800-518-9364

AR-Box® Online Receivables Processing Financial Institutions

Consumer

Credit to Biller’s DDA account at their

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Payment transmitted to financialinstitution’s payment processor.

Biller for uploading intotheir accounting software.

Online bill payment through anyfinancial institutionor Biller payment site.

Consumer’schecking account debitedfor payment to Biller.

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Payment information processed.• Payments validated• Stop payments identified• Biller exception items returned

6

1

2

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AR-Box Online Receivables Processing ®

Creative Payment Solutions, Inc. • P.O. Box 2341, Wilson, NC 27893 • Phone: 1-800-508-0277 Fax: 1-800-518-9364 Creative Payment Solutions is a subsidiary of BB&T Corporation • Member FDIC