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Investment ServicesImprove Information SharingWebNow, the browser-based complement to ImageNow, enablesbrokers in any location to immediately retrieve loan applications,correspondence and other documents from their clients’ loanfiles. ImageNow can integrate with portal environments toprovide brokers with current information in a familiarenvironment. Advanced security features ensure that brokersonly view files relating to their customers, so confidentialinformation remains secure.Human ResourcesManage Your People ProcessesHR associates can take advantage of the tight integrationbetween ImageNow and your business application to quicklyaddress employee payroll concerns and effectively administeronline employee W-4 forms. Significantly reduce documentationloss rate and help HR associates process resumés, benefitelections and more in a timely manner.Accounts PayableMaintain Operational SuccessStreamline invoice processing by scanning and indexingdocuments upon receipt. Boost productivity using automatedworkflow queues and electronically route invoices to theappropriate channels for faster approval. By optimizing youraccounting processes, you increase the opportunity to capitalizeon money-saving supplier discounts.Legal & ComplianceProtect Customer PrivacyImageNow technology comprehensively and cost-effectivelysupports data integrity, confidentiality and accessibility, which arecritical to satisfying Sarbanes-Oxley, HIPAA and other mandates.ImageNow security privileges ensure that only authorized userscan access applicant, policyholder and staff information, andreporting features allow managers to monitor who accessesdocuments and what action is taken.Back-Office OperationsTreasury ServicesCreate Lasting EfficienciesEliminate Paper-Based DelaysProvide authorized personnel with single-click access to keyReplacing the paper chase with electronic documentoperational documentation, including corporate treasury servicemanagement enables the treasury department to manage itscontracts, ACH payment authorizations, Check21 agreements,documents more efficiently and securely. Employ ImageNowvendor agreements and more. Standardize daily work processesto improve a variety of daily treasury activities, including remoteaccording to your current business model, including prioritydeposit capture, account reconciliation and positive pay. Byprocessing, document review and approval procedures.electronically capturing check and MICR information up front,payment discrepancies such as unavailability of funds arerecognized and acted upon quickly, reducing the risk of fraud.www.imagenow.com 5

Loan ProcessingSpeed Application DecisionsImageNow captures loan applications in any format and sendsthem to the appropriate staff members for immediate processing.Incoming applications are automatically linked to loan originationsystem records, facilitating instant document access that speedsloan processing, underwriting and issuance.The flexibility of ImageNow Workflow enables you to adapt it tomirror every step of your existing review process with one majordifference — no paperwork delays. Reporting features givemanagers a comprehensive overview of loan processing metrics,enabling them to better focus resources.ImageNow at Work in Loan ProcessingExpedite Loan DecisionsImageNow Technology FocusInstant access to files allows staff working in any location to quicklyperform daily tasks. ImageNow Workflow facilitates faster informationsharing between brokers, broker service representatives, underwritersand other personnel, enabling them to make fast, informed loan decisions.Improve Customer ServiceWith single-click access to loan files at any stage in the review process,you can quickly answer questions from customers and brokers. And asyou'll process loan applications faster than ever before, customer satisfactionwill increase.Simplify Loan AdministrationThe longer the term of a loan, the more correspondence, loan servicerequests and other documents accumulate. Managing loan files electronicallyin ImageNow eliminates the financial and productivity costs of housingpaperwork and enables your organization to efficiently manage each loanfrom receipt of the application to purging the customer’s file.Protect Applicant PrivacyUnlike a paper storage system, which is virtually impossible to secure,ImageNow safeguards application files in an electronic repository that onlyusers with valid privileges can access. Advanced document and systemsecurity measures built in to ImageNow — such as digital signatures,authentication and auditing capabilities — protect every file stored inthe system.6 Perceptive Software ImageNow for Financial ServicesImageNow ProjectsUsing ImageNow Projects, you can groupall components of an applicant’s loan file asone object while maintaining the propertiesof each document. This association makesit possible to view loan file components ata single glance, route them to colleagues inImageNow Workflow with a single click andperform a variety of other tasks with a singleaction.ImageNow Projects can identify a missingdocument, such as a verification ofemployment, and notify the appropriatestaff member to encourage swift action.Within the ImageNow Project Viewer,system properties such as project statusand type and additional details such asaudit information are easily viewed. Whennecessary you can quickly print, send viae-mail or manage a project documentindependently.

1A loan applicant, Ted Smith, calls to check on2The customer service representative pulls up3She selects the application from the document4She sees the “Approved” annotation and tellsthe status of his application.Ted’s record and clicks the ImageNow button.list to display it.Ted that his application has been successful.You have your answer in seconds.“ImageNow reduced the time ittakes to process each student loanby 50 to 60 percent and eliminatedthe cost and time delays associatedwith mailing documents. It has alsoimproved partner relations becausesending documents electronicallydecreases manual labor for them.”Ed McGowanI.S. ManagerEducation Services Foundationwww.imagenow.com 7

BankingImprove Customer ServiceMany banks offer comparable products and rates, so it is customerservice that really sets organizations apart from competitors. It canbe difficult to meet customers’ needs quickly when searching fordocuments in file cabinets. ImageNow puts customer records atusers’ fingertips, enabling tellers, account managers and other staffto answer inquiries immediately.ImageNow also enhances commercial financial services, back-officeoperations, treasury, legal and other banking functions by replacingthe paper chase with more efficient workflow processes thatmaximize the number of transactions your staff is able to process,approve and complete each day.ImageNow at Work in BankingInvigorate Retail OperationsCreating New Efficiency in Treasury ServicesImporting applications, loan agreements, correspondence and otherWhen implementing new treasury services for commercialcustomer documents into the central ImageNow repository and linking themcustomers, ImageNow allows you to capture customerwith records in your banking systems provide a new level of documentagreements electronically, link them to banking applicationaccess to authorized tellers, loan officers and other staff members. Uponrecords and route them via ImageNow Workflow toreceipt, account applications are routed to the appropriate account managerappropriate staff members for setup completion. Instantvia ImageNow Workflow for immediate action and can be sent on to othersaccess to supporting documents enables support areas toinvolved in account setup with just a single click. Instant document accessconfirm the status of customer implementations andand simplified workflow also speed the processing of deposits and otherutilizations, and reporting features provide verification oftransactions. Storing signatures cards in ImageNow helps banks verifyturnaround times for customer setups. ImageNow linkscustomer signatures before issuing funds, helping to prevent check fraud.lockbox and/or disbursement image files to AP and ARImprove the Customer ExperienceWhether your organization provides retail or commercial services, yourcustomers expect a timely response to their inquiries, not to be put on holdor called back after a file cabinet search. The seamless integration betweenImageNow and your existing banking applications puts staff members atheadquarters, a customer call center or any of your branch locations justa click away from the documents they need to meet customers’ needsand expectations.Boost Back-Office OperationsImageNow captures key operational documentation, including corporatetreasury service contracts, ACH payment authorizations, vendor agreementsand Check21 image exchange agreements and stores them in a secureelectronic repository that only authorized users can access. Full-text searchcapabilities give you the flexibility to find documents stored in ImageNowusing ad hoc queries, making it even easier to locate precise informationat a moment’s notice.8 Perceptive Software ImageNow for Financial Servicessystems, giving commercial customers a new level ofdocument visibility that speeds project completion.ImageNow also supports the provision of add-on servicessuch as image transmissions.

1A customer, Jim Smith, calls with a questionabout the most recent monthly statement forhis checking account.2You open Jim’s record in your banking system3A list of Jim’s documents is displayed, and4This statement is displayed, and you quicklyand click the ImageNow button.you select his most recent monthly statement.find the required information and relay it to Jim.You have your answer in seconds.“ImageNow helps us avoid lossesbecause we’re not cashing checksfor unauthorized parties. Havinginstant access to signature cardsallows us to answer customers’questions without delay.”Pam RebusmenVice PresidentCitizens First Bankwww.imagenow.com 9

ImageNow for Any Financial Services OrganizationTime and Cost Savings in Front- and Back-Office AreasRegardless of what financial services your company offers, youdeal with a multitude of paperwork that delays processes, increasescosts and inhibits customer service. ImageNow captures incomingdocuments and ties them to records in your business applicationsto create a direct connection between your staff and the documentsthey need to do their jobs well.ImageNow Workflow mirrors existing processes, allowing you tomove documents between individuals and departments without thedelays associated with paperwork. Instead of pulling files for internaland external audits, you can simply route documents to an auditqueue and grant auditors temporary access privileges.Investment ServicesImageNow captures customer applications, correspondence, contracts andother documents submitted by broker-dealers online, via fax and e-mail andImageNow Technology Focusthrough other channels, imports them into a secure electronic repository andties them to customer records in your business application for easy review.ImageNow can automatically update business systems behind the scenes,so when broker-dealers log into your company’s portal environment theyview current information, facilitating real-time customer service.Credit UnionsWhen a customer calls with a question, he or she doesn’t want to wait whileyou search a file cabinet for the required document. ImageNow puts you justa click away from any page of any customer file, and the results are moresatisfied customers and less wasted time for your team. ImageNow is equallyeffective in departments such as AP and HR, enabling you to quickly approveinvoices, evaluate job candidates and more.Capital MarketsImageNow captures incoming contracts and legal documents and storesthem in a secure electronic repository that only authorized users can access.Managing documents in ImageNow helps capital market organizationseliminate the office supply and storage costs, wasted time and potentialsecurity risks associated with retaining unsecured paper files. ImageNowOutput PackagingImageNow enables authorized users tocollect documents related to a specificcustomer or project and easily send themto an agent-broker, customer, businesspartner or other requestor. With a singleclick in the ImageNow toolbar, a user canselect a delivery method, includingpaperless outbound fax, e-mail, hard copyor PDF, which can be saved onto a CD forconvenient viewing. The output packagingtool enables requestors to specify theirpreferred viewing method and allows yourorganization to eliminate the timeconsuming and costly tasks of manuallycollecting, preparing and mailing or faxinga group of documents.Workflow helps back- and front-office departments move files quickly throughthe necessary channels, and reporting features allow managers to track thelife cycle of each document, improving business process management.Advisory ServicesImageNow integrates with existing systems to give authorized userssingle-click access to customer portfolio information. To reduce the time andcost inefficiencies associated with printing hard copies, ImageNow capturesmulti-customer reports, breaks down the report stream by customer and linksindividual report pages to business system records. Strong security featuresprotect customer privacy and help satisfy the regulatory requirements ofSarbanes-Oxley, the SEC and more.“ImageNow’s flexibility makes iteffective in multiple departments.It allows employees in differentareas to easily share informationwithout having to duplicate hardcopies.”Kevin JonesAssistant Manager of Customer RecordsLloyds TSB Financial Markets10 Perceptive Software ImageNow for Financial Services

Accounts Payable and FinancialsMaintain Operational SuccessAccounts payable and financials are paper-intensivedepartments. Success depends on how accurately andImageNow in Action: Automationefficiently your staff can process the invoices, contractsUse ImageNow to automate your financial processes such as invoiceand other documents that pervade your operation.matching, approval and exception handling; payment generation andImageNow enables you to easily capture, organize,distribution; travel and expense; receiving and more. Advanced ImageNowaccess, manage and route any type of documenttechnology collects key information from captured documents and externalalongside your business application, ensuring swiftsources to eliminate tedious steps so staff can concentrate on valuablefinancial processing, timely reimbursement and increasedprojects and tasks.opportunity for supplier discounts.Impact of ImageNow automation in accounts payableand procurement:ImageNow at Work in APCollect All Your Financial DocumentsOrganize invoices, receiving paperwork, proposals, Simplified processes using data from documents Enhanced information sharing between applications Hands-off invoice matching, approval and paymentcontracts and all other documents from any source in Reduced manual steps and processing errorsa single, secure repository to boost productivity. Immediate access to packet of related documentsInstantly Access the Right DocumentsLink related documents to records in your accountingsoftware or any other business application for instantretrieval from any location.Energize Your WorkflowRoute documents automatically to the right place for fasterapproval and payment rather than waiting for paperwork tobe delivered and processed.Reduce Manual ProcessingAutomate routine tasks so staff can focus on exceptionsand critical issues instead of dealing with paperwork.Immediately Respond to InquiriesReplace file cabinet searches and callbacks with real-time“Out of all the applications I’ve worked with,ImageNow is the easiest to administrate.One of the biggest benefits of the systemis that we didn’t have to bring someonein to manage it.”Cherie HooksAP Systems AdministratorPremera Blue Crossaccess to precise information that enables staff to provideimmediate answers to vendors and colleagues.Improve Business Process ManagementAnalyze productivity statistics, identify bottlenecks andmore with comprehensive yet easy-to-use reportingfeatures.www.imagenow.com 11

Human ResourcesManage Your People ProcessesTo deliver superior service to customers and staff, your organizationmust hire and retain the most talented personnel. That’s not an easytask when you’re swimming in a sea of resumés, applications,payroll inquiries and more.With ImageNow, all employee information is centralized and secure.Applicant and personnel documents alike are captured, stored andaccessible electronically, enabling you to retrieve a resumé oranswer a payroll question instantly and directly from your humanresources application.ImageNow at Work in Human ResourcesImageNow in Action: SecurityCentralize Employee RecordsThe security of personal information is an ever-increasingCreate a secure and instantly accessible repository for all HR-relatedpriority for all financial services organizations, anddocuments.the human resources department is tasked with a tallEnhance Employee PrivacyEliminate photocopies of records, ensuring that sensitive contentremains private.documentation relating to your staff remains confidentialwith powerful security features, including:Digital Signatures: Electronically sign documents usingSimplify recruiting, onboarding, performance management and otheradvanced public-key infrastructure technology.Annotations: Define flexible access rules for annotationsProtect Corporate Recordsand combine them with digital signatures.Minimize the potential for misfiled or lost employee documentation.Redaction: Conceal sensitive data in a document whileSpeed Information Sharingpreserving the state of the original.Automatically distribute job requisitions, resumés, benefit documentsEncryption: ImageNow supports the latest encryptionand more.standards and is Common Criteria (EAL2 ) certified.Rapidly Resolve IssuesAuthentication: ImageNow provides a variety of methodsInstantly view tax, benefit and other HR-related documents to resolveto authenticate users and track document access.discrepancies promptly.User and Document Privileges: Tightly control access toEnhance Regulatory Compliancedistinct system functions, documents and document types.Quickly and easily audit employee records for internal or external auditsAuditing: Easily configure audit templates to log more thanand satisfy HIPAA requirements.150 different ImageNow functions.Reallocate Work to Available ResourcesShift HR and payroll tasks around based on current workload. With ImageNow, you can rest assured that confidentialStreamline Core Processesinitiatives.12order to meet compliance guidelines such as HIPAA.Perceptive Software ImageNow for Financial Services

Legal and ComplianceSupport Data Security, Audits and Regulatory InitiativesGiven the innate vulnerability of paper, documentmanagement is an ideal tool for helping financial servicesorganizations keep legally binding documents secure fromunauthorized viewing and tampering as well as in cases ofdisaster. The unique architecture of ImageNow ensureseasy access to documents for authorized users, whileutilizing proven, industry-standard security features tokeep others out.Meeting today

WebNow, the browser-based complement to ImageNow, enables brokers in any location to immediately retrieve loan applications, correspondence and other documents from their clients' loan files. ImageNow can integrate with portal environments to provide brokers with current information in a familiar environment.