An introduction to the UK’s leading Bacs approved Bureau

1. An introduction to the UK’s leading • Bacs approved Bureau • “From simple & affordable - to bespoke API technology” First Capital Cashflow HQ - Sutton House First Capital Cashflow - In Commercial Confidence

2. Overview.... • Discover how you can combine SAGE and the First Capital CashflowDirect Debit/Credit solution, to enable your organisation to process, automate and integrate in to SAGE for both B2C and also for B2B (in to Accounts Receivable Ledger) collections. • Explore how using Direct Debits for B2B collections, can put you in control; • Be paid faster, • Be paid on time/due date, • Improve client retention, • Cut credit control

3. The PM’s crack down.... • David Cameron’s pledge to crack down on late payments has been welcomed by business leaders. • The PM said he would take action against late payments, which in some cases can lead to staff not being paid and even drive SMEs out of business. • He plans to announce a consultation on tackling late payment and whether there is a case for further legislation or penalties. • You could wait for legislation or take matters into your own hands today with B2B Direct Debits “It’s not right that suppliers are not getting paid on time for the work they do and the services they provide, and I know that late payment can have devastating effects on our small and medium-sized businesses” David Cameron

4. Understanding integration.... • Existing inefficiencies • Time consuming manual Rekeying of Direct Debit instruction data in to Sage • Error prone – possibility of mistakes when rekeying data • Must be a better way - need a fire and forget solution • Integration Options and Benefits • Sage File Import – Requires manual editing and processing of file (Clunky) • Bespoke Apps – Often too costly for SME's, never up to date with latest versions • 3rd Party App - Preferred option, low cost, off the shelf solution, maintained by vendor, assuming vendor is reliable i.e. FCC

5. Understanding integration.... • Introducing our Sage integration Partner: Zynk • Sage accredited, company trading 10 years, on sale in Sage Web Shop, Flexible solutions • Direct integration to FCC API • Scheduled download of processing of DDI's and automated posting to Sage • Integration Options • Download as Sales Receipts  • Download as Bank Receipts • Workflow can be customised without needing "bespoke"

6. Who we are.... • Established 2001, 98% customer retention rate • Consistent in exceeding Bacs regulatory and security/Governance requirements • Specialist Bacs provider (Bureau Number B60684) • Unlike other Bureaus, in-house purpose built product • In-house UK developers and support - no outside contractors • Bacs Audit – Scoring Excellent, reduce your risk • PCI DSS – Security based “measures” and Encryption • Data securely hosted off site, across multiple UK sites, continuity of service • Double digit growth for the past three years, profitable and debt free. • Fully insured, excellent credit rating and accounts

7. Who we are.... • Solutions are dictated by clients’ requirements - don’t believe one size fits all. • Vertical sector solutions for example SME, Corporate, NFP, FI’s, Banks, Clubs • Solutions can be white labelled – collections made under a clients own brand. • ISO 9001:2008 quality management certified. • A member and key contributor to the Bacs Affiliate Group. • Pooling together over 70 years of experience in banking and technology • Combined with leading edge technology, experience of working with Banks/FI’s.

8. How we work.... • Fully manned UK based clients services team. • Interaction with clients via email, phone and support ticketing. • Dual layer of authorisation required for reconciliations/release of funds. • Segregated areas of business processing for clients. • Dedicated Account Manager. • Transparent and flexible fee structures to suit all requirements. • Providing a secure end to end fully compliant service. • Consultancy, implementation, project and account management. • Known for our cost effective fees and best in class solutions and service. • Consultancy, advice/guidance, form filling assistance – “hand holding”

9. Where we sit in the UK Clearing Bank space.... • Bacs scheme requires an entity to obtain a Service User Number (SUN) from a sponsoring provider or Bank in order to utilise Direct Debits/Direct Credits • UK Banks issue SUN’s at their own discretion taking into account the financial stability, banking relationship, credit history and turnover of a business. • Even with sponsorship in to the scheme, in-house processing can be administratively and financially demanding. • Banks/Accounting solutions lack “value add” such as API, On line sign up, Direct Debit Management Solution • FCC provide FM (Facilities Management) sponsorship in the place of a bank or work as a Bureau utilising the clients own SUN.

10. What we do.... • Payment gateway, a SaaS / Cloud based Bureau – FCC take the costs out, improve security and the efficiency of your Direct Debit Collections. • Combination of paper based, web based, paperless Direct Debit options • Secure controlled sign off data file submission via smartcards and readers. • Regarded as the most innovative and technically advanced business in the Bureau processing industry – leading the way.

11. What we do.... • Bureau • FCC act as an outsourced submissions only or fully managed service to organisations and businesses utilising direct debits and/or credits via a clients own SUN. • Facilities Management (FM) – subject to risk analysis and underwriter approval • FCC is part of the Facilities Management scheme (sponsored by NatWest) which allows FCC to sponsor its own client base in to the Bacs scheme. All clients FM funds are managed in ring fenced client accounts.

12. What we do.... API Solutions Market leaders in delivering reliable Application Programme Interface (API) solutions Multiple sign up options Online hosted, iFrame, Telebased, Paper, Email – Complete flexibility Facilities Management White labelled end-to-end service without bank sponsorship (SUN) Managed or Submission only Bureau Solutions A flexible, cost effective, secure and reliable alternative to in-house software Other payment options Secure card-processing, SWIFT, E-wallets, FX, SEPA, International payments etc. Emergency processing A quick and secure means of submitting Bacs files Bacs Bank Cloud platform A value add, integrated Bacs processing solution to remove manual steps of processing Direct Debits/Credits between banks & accounting systems System Connectivity Working closely with a wide range of mainstream Accounting Systems, CRM & ERP vendors to ensure connectivity

13. Sample Clients….

14. Connectivity…. • Work closely with wide range of key Accounting, CRM and ERP vendors. • Connectivity between our bureau services with common file formats

15. Sample Partners….

16. Our Security .... Physical - Tier 3 – 24x7x365 manned - Gated compound, Proximity access cards, security guards - Private dedicated racks Isolation - Fully integrated security architecture - Sensitive encrypted data isolation - VLAN segregation of data networks Perimeter - Enterprise Firewalls - Unified Threat Management - Patched hourly Intrusion - DDoS & DoS mitigation - IDS/IPS Services - Monthly vulnerability and penetration

17. Our Resilience .... Sites Two fully independent sites separated geographically and linked by 100MB backhaul for data synchronisation. Monitoring Active internal and external monitoring from distributed systems with 24 hour assisted engineer response to site and high Service Level Agreements. Provision Separate N+N1 power backed by generators with and multi-homed diverse internet provisions again in N+N1 format. Servers Two complete independent server provisions with real-time file and database replication, each provision capable of full Direct Debit processing.

18. Application Programming Interface (API) • Specification to allow software components to interface with each other • Straight Through Processing (STP) - Complete end to end Solution • API Integration, ensures connectivity with end to end transactions. • Easy to implement • Can be branded as your site - Look and feel of your company

19. Online paperless (Hosted online) Option • (Screenshot from hosted web page) • Web Interface with your branding which complies to regulations for the online setup of Direct Debit • Complete white labelled solution • Flexible fields to capture appropriate information • Postcode look up functionality • Auto fill options • Real time modulus check on account number and sort code match

20. FCC Client Admin Portal .... • Securely hosted login to the most comprehensive and flexible admin portal in the industry • Optional tiered access for users with different permissions

21. FCC Client Admin Portal .... • Simple but powerful admin portal developed with usability in mind • View, amend and review payer details at the click of a button 27/7/365 • Wide and flexible range of criteria

22. FCC Client Admin Portal .... • A flexible wide range of payment and payer history reports easily accessible and downloadable in CSV or PDF format • Simple file upload facility via client admin portal

23. FCC Client Admin Portal .... • Ticket support service in addition to telephone support • Full admin portal training included as standard

24. New features (developed from client feedback).... • SMTP Relay email - Option to send all communications branded “as client”, • For example: • Forecast / look ahead reporting tool – number of transactions / amounts to be collected • Reports e.g. to allow clients to see which payers have cancelled between specific dates

25. Future features (always forward thinking).... • Adding features, keeps FCC as the most advanced and secure Bureau • To improve your collections, save time, money, provide efficiency gains and give you better visibility of your transactions – anytime, anywhere • KYC review • Business Intelligence / “At a glance” real time Graphic Dashboard • Enhanced import and export file format support • Smart Phone App review • “Plug and Play Library” common file formats and competitor file support • Signup via web browser on Interactive TV, Smartphone, Tablet • Take on board customer feed back / requests

26. Recap on First Capital USP’s • Flexible solutions to meet all requirements, API integration to hosted sign up • Best in class Resilient, Compliant, Secure, Contingent & Trusted • Branding options • Recommended by clients, major brands, banks, CRM and ERP vendors • PCI DSS “measures” plus Bacs Security, reduce your risk • FCC accounts voluntarily audited – sustainable and debt free • Applied to be FCA (previously FSA) regulated • ISO 9001:2008 quality management certified, audited on site annually • No expensive “upfront” software costs or licence fees, upgrades or Cap Ex • FCC in-house UK developers, product, support - no outside contractors • Bacs processing is our key, core business, not yours.

27. What else FCC can help with .... • Credit Card Processing • Does your organisation have recurring, subscription or instalment transactions? • Do you need to process credit and debit card payments online or offline? • If so, through FCC, we can provide a range of extremely cost effective card payment services. • Other Payment Solutions • A range of selected, trusted partners, that cover a wide range of payment issues from SEPA, FX, International payments, E-Wallet, virtual bank accounts, Card Terminal Rentals and more.

28. We aim to be a long term trusted partner, not just a basic outsourced service provider Thank you Paul Simpson – Sales Director Mob: 07791 021 708 Tel: 0844 82 66 700 Email: paul.simpson@firstcapitalcashflow.com Web: www.firstcapitalcashflow.com Conrad Broadbent – Managing Director Mob: 07747 608 095 Tel: 0844 82 66 700 Email: conrad.broadbent@firstcapitalcashflow.com Web: www.firstcapitalcashflow.com