ReceivablesVision SM Getting Started Guide

Transcription

1 ReceivablesVision SM Getting Started Guide March 2013 Transaction Services

2 ReceivablesVision Quick Start Guide Table of Contents Table of Contents Accessing ReceivablesVision SM...2 The Login Screen... 2 The Home Screen... 3 Getting Started Learn the Analytics Functionality...4 Getting Started Learn the Advanced...19 Search Functionality Common Account Receivables Management...24 Functions View Monthly Collections Examine Monthly Collection at a Business Unit Level View Analyze Monthly Collection Across Business Units View Monthly Collection Across Geographies Examine Payment Method Trends Monitor Payor Behavior/Trends View the Value of Receivables Across Department/Business Unit View the Volume of Receivables Across Department/Business Unit for a Given Date Range View Receivables Across Department/Business Unit by Channel View Receivables Across Department/Business Unit by Instrument Type Display Direct Debit Transactions & Export Identify Reversals View Receivables For Specific Department/Business Unit View Future Dated Payments

3 ReceivablesVision Quick Start Guide Accessing ReceivablesVision Accessing ReceivablesVision SM ReceivablesVision SM applications are accessible from CitiDirect BE SM. The Login Screen To access CitiDirect BE, you will need: A computer with Internet Explorer (version 7.0 and above) installed Internet access (broadband Internet recommended) The proper user privileges to access CitiDirect BE A valid SafeWord card Using a web browser s address bar, type the following address: Website Address to CitiDirect BE SM : In the CitiDirect BE page, select the desired Country, if necessary. Click the Go button. The User Login page appears. 2

4 ReceivablesVision Quick Start Guide Accessing ReceivablesVision Click the Login Method drop-down arrow: Login Method: Choose SafeWord. User ID: Input your User ID. Password: Login to SafeWord card using your PIN. When HOST? appears, press 2 and enter the results in the Password field. Select Remember my Login ID on this computer checkbox. Click the Login button. The Home Screen The Home Screen is the first landing page after you ve successfully logged in to CitiDirect BE. The Home Screen contains links to many of the applications that you will use in CitiDirect BE. Important things to know: Navigation within the CitiDirect BE application is always done through the blue Service Navigation ribbon which is located at the top of the page. The Service Navigation ribbon is always present in the desktop so that you can always return to the Home Screen at any point. The Logout button is located at the top right-hand corner of the CitiDirect BE application. To manage information that appears in the Home Screen, click Customize Homepage (located on the right, below the Service Navigation ribbon) to display a list of web widgets that you can add/ remove from the Home Screen. 3

5 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Getting Started Learn the Analytics Functionality What You ll Learn This tutorial shows you how to: Use the receivables scorecard Work with analytics Build your analytics report Export or save your Analysis Use charts Use the Receivables Scorecard To open the receivables scorecard: Log into CitiDirect BE, choose Reports & Analytics > Receivables Analytics. What is a scorecard? A scorecard strives to make data consumable for everyone. With its focus on graphical representation and at-a-glance viewing, any type of business user can benefit from retrieving information through a scorecard. Scorecards use dynamic graphing techniques and advanced visualizations to convey more meaning in less space. Users can view more of the data represented over time spans, all in one screen. 4

6 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Receivables Scorecard Definitions Reports: Provides quick access to the following: Save As: View Receivables Scorecards by: Transaction Currency (Settlement): Convert Currency To: Time Period selectors: Year: Quarter: Month: Week: Geography/Account selectors: Region: Country: Legal Entity: Account: Receivables Comparisons: Transaction Type: Country: Currency: Receivables Trending: Reports save in locations (Private & Shared Reports) to retrieve your saved reports/analysis. View and create scheduled reports. Initiate Ad-Hoc Reports (Summary, Transaction and Invoice Reports). Allows the user to save a customized scorecard as a saved report. This option, located at the top left of the application frame, allows the user to choose to view the scorecard by the Legal Entity or the Citi Branch where the account is maintained. Allows the user to choose which transaction currency to view on the receivables scorecard. This selector lets you view the transactions based on conversion currency (transactions are converted into a common currency). Located below the View Receivables Scorecards, the time period selectors let you choose to view data by Year, Quarter, Month and Week. Changing any of these will change the entire scorecard view. Lets you choose to view data for a specific year (e.g., 2012, 2011, etc). Receivables Analytics shows the current year by default. Lets you choose to view data for a specific quarter (e.g., Q1-2012). If year is not chosen, Quarter will show all quarters where data is available. Lets you choose to view data for a specific month (e.g., Mar-12). If year or quarter is not chosen, Month selector will show all months where data is available. Lets you choose to view data for a specific week in a year (e.g., 19-Mar-12). A week always begins on a Monday. If Year, Quarter or Month is not chosen, Week selector will show all weeks where data is available. Lets you choose to view data by Region, Country, Legal Entity, Account and Currency selectors. Filter by geographic region (Asia Pacific, etc). Filter by a country within the chosen region. If a region is not chosen, the Country selector will list all countries where data is available. Filter transaction by the legal entity name. Filter transaction by account number. Located in the lower panel, shows comparison by transaction type, country and currency. You can select between Display by: Value or Volume. Lets you compare the between different transaction types (e.g. Checks, Direct Credit, Wires etc). Lets you compare between different countries where account is maintained. Lets you compare between different transaction currency. Located as a separate tab (next to Receivables Comparisons), shows the trending patterns as a line graph. 5

7 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Receivables Scorecard Definitions Status: Country: Currency: Receivables Statistics (by Value): Top Currencies: Top Countries: Top Accounts: Shows receivables transactions trends by transaction status (In Process, Cleared, Return). Shows receivables transactions trends by country. Shows receivables transactions trends by transaction currency. Shows the Top 4, by Value with percent contribution to the total by the following categories: Shows the ranking by transaction currency. Shows the ranking by countries. Shows the ranking by accounts. How do I view the scorecard in transaction (original) currency? You can change the current scorecard view to be shown in local currency instead of converted currency. To do this, perform the following: 1. Select the transaction currency that you want to view in the Transaction Currency (Settlement): 2. Select Original in the Convert Currency to: Work with Analytics Reporting is an essential component and the primary focus of business intelligence analysis. While the scorecard gives you a summary view of key performance, more in-depth analysis can be achieved through the Report Window. You can access the Reports Window using any of the following methods shown below. Click on any of the transaction statuses to drill-down to specific status reports. Receivables transaction broken down by statuses. Transaction/Converted Currency 6

8 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality On the scorecard, click Reports drop-down ( menu (shown below). ) to expand and bring out the expanded Access to report save-in locations Click on any of the reports to initiate an Ad-Hoc Report. Clicking on any of the Summary, Transaction and Invoice reports will initiate an Ad-Hoc Report. The Ad-Hoc dialog window will appear. Select answers to the list of prompt questions to narrow down the report result. Click Run Report to initiate the report. The Report Window Report Name View Filter Panel Report Page by Panel The Toolbar Report objects Drill down Report window showing data in grid view. Report Name: The Toolbar: Report Objects: Report window: Drill down (shown as underlined): Report Page-By Panel: View Filter Panel: The name of the report that is currently being displayed in the Report window. Provides access to many of the actions you will use to create and build your analysis. Located on the left, provides a list of attributes and metrics available for this report. You will use the report objects to add or remove attributes from the Report window. Displays the current analysis in either grid, graph or grid and graph view. Click on the Total Transaction Amount or Total Transaction Count rows to drill down to the next related report. Shows Page-By attributes (displayed as a drop-down panel) currently being applied to the analysis. Displays the current view filter being applied to the analysis. You can also add or remove filters from this panel. 7

9 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality The Toolbars The receivables analytics toolbars give you one-click access to many of the actions you ll use when working on your analysis. The View Toolbar Undo last action Add/schedule current report Click to save the current report Change the view: Grid, Graph, Grid and Graph Export current report to File or PDF The Option Toolbar Show/Hide Report Page-By Show Pivot Buttons Show/Hide Report Objects Show/Hide Report View Filters Show Sort Buttons The Data Toolbar Sort Swap rows and columns Add View Filter Condition Drill... The Grid Toolbar Outline Lock row/ column headers Banding Merge column/ row headers The Format Toolbar Align selected columns/text Change cell fill, line and font color Advanced Grid Formatting Change the font, font style, font size Change the numbers style Change the borders/ border style 8

10 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Report Objects Panel What is a report object? An object is a data container that holds information to build your analysis. In the Report Objects panel, an object can either be an attribute or a metric. This icon represents a metric. Also known as the continuous variable. This icon represents an attribute. Also known as the discrete variable. Build your analytics report In Receivables analytics, there are three key tools that you will need to learn to build a comprehensive analysis: Data Pivoting: Rearrange the columns and rows in the grid, so you can view and segment data from different perspectives. View Filters: A view filter enables you to further narrow down a report view, using only those objects in the Report Objects window. Page-By: Enables you to select and display subsets of your analysis results as separate views. Data Pivoting Data pivoting refers to the process of rotating the view of data. In databases where there is a high volume of data, it is often very difficult to get a view of a particular data or report for analysis. Data pivoting helps overcome this by displaying the data in a compact format that allows you to find relationships within the data that are otherwise difficult to see because of the amount of detail. You can pivot data in a report using any of the following methods: Drag and drop objects (from the Report Objects panel) to move them within the report window. Right-click an object in the report window, point to Move and select an option from the menu. In this analysis, we have the Transaction Count broken down by Quarter. Using the Report Objects panel, you can add/remove attributes from this analysis. From the Report Objects panel, choose Month and drag the attribute to the Report window (see below). Insert the Month attribute between Quarter and Transaction Count column. The insertion point is always indicated by a solid yellow line. 9

11 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality To perform a drag and drop action: 1. Move the mouse or other pointing device to the object (e.g., Month attribute). 2. Press, and hold down, the button on the mouse or other pointing device to grab the object. 3. Drag the object to the desired location. 4. Drop the object by releasing the button. The result is shown. Adding the Month attributes allows receivables analytics to expand the data and show you the transaction count by Month. In addition to the Drag-and-Drop ability, users can also utilize the contextual menu when selecting row headings (shown below) To bring up the contextual menu: 1. In the Report Window, move the mouse or other pointing device to the desired row heading. Select a column by clicking on the row headings. Perform a right mouse click to initialize the contextual menu. Go to <Move> to expand the menu. 2. Press the left button on the mouse or other pointing device to select the object. 3. Press the right button on the mouse or other pointing device to bring up the contextual menu. Here is what each option does: To Page-by Axis: Moves the selected object to the Page-By axis (see Using Page-By). To Columns: Moves the selected object to the column heading. Left: Moves the selected object to the left of the current position. Right: Moves the selected object to the right of the current position. 10

12 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Using Filters Filters are used to narrow the results of an analysis to a subset of data. For example, one might apply a filter to show only CHECK transactions or transaction amounts greater than 100,000. To apply a filter to an analysis, users must first create the filter criteria. You can create filter criteria in a report using any of the following methods: In the Data Toolbar, click the Add View Filter condition ( ) icon. Right-click an object in the report window, point to Filter On. In the report window, click Add Condition in the View Filter panel. Example of building filter criteria Build a simple filter criteria using the grid to the right as an example. The report below shows transaction count by Year. 1. Initiate a View Filter command using any of the methods outlined above. 2. Select the attribute to filter from the Filter On: drop-down. Select Year. 3. Define the criteria using the Select In List option. Choose any value(s) from the Available panel and move them to the Selected panel by pressing the move arrow button. In this example, we will select Execute the view filter by pressing the checkbox button. The analysis will filter the data and show the transaction count for Year (2012) only. 11

13 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Creating dynamic filter criteria In some scenarios, selecting values in the list may not be sufficient, especially if you want the filter to be dynamic. For example, show transaction count by Year greater than or equal to To achieve this condition, we will use the Qualify method. 1. Follow Step Follow Step Select the Qualify option and choose the proper Operators ( Greater than or equal to ) and input 2011 in the value box. 4. Execute the view filter by pressing the checkbox button. The analysis will filter the data and show the transaction count for Year Greater Than Or Equal To 2011 only. Using Page-By When you have a very large set of data it can be easier to work with that data by grouping it into logical subsets, and viewing only one of the subsets at a time. To group data into subsets, you can use the page-by feature. The subsets you separate your business data into are called pages, and you then page your way through the analysis, one data subset at a time. You can create a Page-By in a report using any of the following methods: Drag (from the Report Objects panel or Report window) and drop an object onto the Page-By panel. Right-click an object in the report window, point to Move and select the To Page-By Axis option from the menu. Note: Page-By is found under the options drop down. 12

14 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Example: The analysis below shows transaction count by Year and Quarter. You can drag and drop year back into the Report Objects panel to view the Transaction Count by Quarters, one Year at a time. All the data from the report is still present, but is now grouped into smaller, more manageable pages. The Year attribute now is a drop-down and you can easily change the page by changing the Year value to 2012 to show only 2012 transaction count data. Exporting or Saving Your Report In this step, you ll learn how to export your analysis into common formats or save them online for reference. Exporting your analysis Here are ways to export the current analysis: Click View in the toolbar and choose the Export icon Click View in the toolbar and choose the PDF icon 13

15 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality The Export Options Choose what to export Clicking on the Export icon will trigger the Export option dialog window. In this dialog window, you ll be provided with various options to customize the export output. Choose the format to export Choose other export options Execute the export The PDF Options Choose what to export Clicking on the PDF icon will trigger the PDF option dialog window. In this dialog window, you ll be provided with various options to customize the export output. Change pagination options Execute the export 14

16 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Saving your report Receivables analytics contains the capability to store/save your analytics reports online. To save the analysis you re currently working on, follow these steps: In the toolbar, click the ( ) icon. A Save As Dialog appears. Select the folder you want to save the analysis in and provide a name and description to help you identify the report. Click OK to confirm and the analysis will be saved in the chosen Save in location. Choose where to save your analysis Create a new folder Private/Shared Reports Receivables Analytics gives the user the ability to save the analysis as private (only viewable by the user) or shared (viewable by others). To save your analysis as a shared report, choose Shared Reports in the Save in drop-down, select the user group folder that you want to share this analysis with and click OK. Other users within that user group will immediately be able to access that analysis. Input a name and description of your analysis Saved analysis appears here Click OK to confirm Advanced options The Save in location can be accessed via the Reports & Analytics dropdown on the Home Screen or the Reports dropdown in analytics. 15

17 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Using Charts In this step, you will learn to use charts as part of your analysis. Receivables analytics provides tools for creating your own charts to present some or all of the data. Use a chart when you want to visually represent trends or relationships that may be more difficult to see when data is presented in a grid. Viewing Graph Reports In receivables analytics, you can view any report as a graph by clicking either of the following icons on the toolbar while viewing a report. To show a Graph view To show a Graph and Grid view Example: In this example, we have a grid report showing transaction count broken down by Quarters. Select Graph and Grid view by clicking on the ( ) icon in the toolbar. Hint: Each Graph report consists of categories and series: Categories: Refers to the data along the X-axis of a graph report. Corresponds to the rows in a grid report and usually represents attributes. Series: Refers to the data along the Y-axis of a graph report. Corresponds to the columns in a grid report and usually represents metrics. 16

18 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality The Graph Bar When working on graphs, the Graph tab is available on the toolbar. Clicking on the Graph tab will initiate the Graph bar shown above. Adding objects to a graph report As you work with the graph report, you may need to analyze data that is not currently in the report. In this case, you must add objects to the grid report so that the graph report is changed accordingly. You can add data to a report by using the Report Objects to add attributes, metrics and other objects. Example: You have a grid report that shows transaction count by Quarters. You re interested to view this data graphically and also interested in seeing this data at the month level. To achieve this, you may choose to add the Month attribute to your report. The graph report now shows transaction count broken down by Month. 17

19 ReceivablesVision Quick Start Guide Getting Started Learn the Analytics Functionality Using Data Pivoting, Filters and Page-By on Graph Reports As with any receivables analytics report, you can also utilize the different analytics tools that you ve learned to make your analysis even more relevant and useful. Exporting or saving your graph report You can save your graph report within receivables analytics by clicking on the ( the methods outlined to save your graph report. ) icon. Follow Graph styles Area An area graph emphasizes changes in data values by connecting various data points along a line, and then filling in the portion of the graph beneath the line. Area graphs can often resemble a mountain range of high peaks and low valleys. Minimum Requirement: One attribute, one metric Bar Also known as a column graph, allows you to easily compare a wide range of data values. Minimum Requirement: One attribute, one metric Line A line graph is a type of graph that highlights trends by connecting lines between different data points. Minimum Requirement: One attribute, one metric Pie A pie chart is a style of graph in which data values are represented as proportionally sized slices of a pie. Minimum Requirement: One attribute, one metric 18

20 ReceivablesVision Quick Start Guide Getting Started Learn the Advanced Search Functionality Getting Started Learn the Advanced Search Functionality What You ll Learn This tutorial shows you how to: Create a search Navigate within a search View check images Create a Search To open the advanced search feature, log in to CitiDirect BE, choose Receivables > Advanced Search. Select Instrument from the Receivables Item Type dropdown menu, then press Go 19

21 ReceivablesVision Quick Start Guide Getting Started Learn the Advanced Search Functionality Define Search Criteria Search Criteria Name Data Element Condition Value User-given title to identify the search Item you wish to search on Limitation of your search (i.e., equal to, greater than, contains). The Condition options in the drop-down menu will change based on the Data Element selected The data point your Data Element will be conditioned upon + Use this to add an additional row (Data Element, Condition, Value) to your search. The search can be a combination of the rows (AND) or a choice between the two (OR) Preview Search Save and Search Returns the number of results without executing or saving the search Executes and Saves the search Navigate within a Search Once you have defined your search criteria and executed the search, the results will appear in the following window: 20

22 ReceivablesVision Quick Start Guide Getting Started Learn the Advanced Search Functionality To manipulate the search results, select the customize icon ( ) located in the upper right-hand corner of the Search Results. This will pull up the Customize Data Table Box Available Columns Displayed Columns Data categories not currently displayed in the search results Data categories currently displayed in the search results < > Highlight an item in the Available Columns and use the directional arrows to move it to Displayed Columns or vice versa ^ Highlight an item in Displayed Columns and use the directional arrows to adjust where in the report it appears. The further up in the list, the further left it will appear in the data table Once you have arranged the data table to your liking, page through by clicking the directional arrows. Hint: The left most data item will always be the link to the transaction details 21

23 ReceivablesVision Quick Start Guide Getting Started Learn the Advanced Search Functionality Select Expand All or the arrows to the left of the detail categories to see details. To return to the Search Results press Cancel. 22

24 ReceivablesVision Quick Start Guide Getting Started Learn the Advanced Search Functionality View Instrument Images The view icon ( ) next to any transaction indicates there is an image associated with the transaction. To view the image, simply click on the icon. A pop-up of the image will appear. 23

25 Common Account Receivables Management Functions View Monthly Collections Click into the Received Value. 24

26 Hint: If you do not see a panel called Report Objects on the left, simply select Report Objects from the Options menu. Drag the Month report object into the table. 25

27 Result: Examine Monthly Collection at a Business Unit Level View By Legal Entity 26

28 Analyze Monthly Collection Across Business Units By Account Note: Account is already in the table so to see collections by account more clearly, drag out report objects you do not want. Result: 27

29 View Monthly Collection Across Geographies By Region By Country Across Regions Across Countries Drag in Country of Legal Entity and drag out any items (ex: Transaction Cleared Date) that you do not want as part of the analysis. 28

30 Graph to view trends Examine Payment Method Trends Via Dashboard 29

31 By Analytics 30

32 OR, swap the order of the first two columns for a different view. 31

33 Remove Transaction Type to see overall month by month Transaction Count Graph HINT: To move from several small graphs to one single graph displaying all information simply enable Graph Zones under options. Then, ensure the Report Object you want to compare is placed under the Series section 32

34 Across Accounts 33

35 OR Drag Transaction Count to the top and remove Transaction Amount for a different view. You can see that check is the most used transaction type but that at least two accounts don t use check at all Across Geography (Popular Payment Type by Geography) This table quickly shows you that your incoming payments from both India and Japan come in only a single transaction type each, while China, Hong Kong and Malaysia use various transaction types 34

36 OR, swap position of the first two columns for a different view. OR If your organization is trying to reduce the use of costly checks, you can easily see from this chart that India with 13,538 checks has above and beyond higher use than your other markets Add in the Quarter to see time trends. 35

37 Monitor Payor Behavior/Trends* List of Clients by Transaction Status A sample of the Report Objects available after drilling into the data. NOTE: To view Dealer Code, Customer Reference Number, ERP Reference Code or Customer Division as options in Report Objects, you must first drill into the data by clicking on any of the black underlined data points in the summary report. *Based on the use of Virtual Account functionality. 36

38 View Behavior for Selected Dealer Codes View Exceptions by Payer Returned Transactions Click into the Returned Transactions to see detail and drag out columns you do not wish to use. 37

39 Again, click into the Returned Transactions to drill down. In the Report Objects bar you will now see additional options. You can now see, by Dealer Code the reasons and amounts for Returned Transactions. 38

40 To see an aggregate of reasons for Returned Transactions independent of dealer code, simply remove dealer code from the chart by dragging back into Report Objects Out of your 973 Returned Transactions, the most transactions were due to Insufficient Funds, followed by Invalid Account Numbers. You can also see that even though Invalid Account Numbers generated 101 returned transactions, Declined Transactions accounted for a greater dollar amount. View the Value of Receivables Across Department/Business Unit Create an Advanced Search Select Receivables > Advanced Search from the menu Select Instruments from the drop-down. Click Go. Enter Criteria. a. Enter Name for Saved Search in Search Criteria Name. b. Select Data Element Instrument Amount. c. Select Condition. d. Enter Numerical Value. e. Click Save and Search. 39

41 a b c d e Search Results View the Volume of Receivables Across Department/ Business Unit for a Given Date (Range) Create an Advanced Search Select Receivables > Advanced Search from the menu. Select Instruments from the drop-down. Click Go. 40

42 Enter search criteria: a. Enter Name for Saved Search in Search Criteria Name. b. Select Data Element. c. Select Condition. d. Specify date. e. Click Preview Search. a b c d e Then Select, Save and Search to see the Results. 41

43 View Receivables Across Department/Business Unit by Channel Display Transactions in an individual channel. Select Receivables > Advanced Search from the menu. Select Instruments from the drop-down. Click Go. a. Enter Name for Saved Search in Search Criteria Name. b. Select Data Element Deposit Channel. c. Select Condition. d. Enter Channel Value. e. Click Save and Search. a b c d e Results Displayed: 42

44 View Receivables Across Department/Business Unit by Instrument Type This scenario describes the steps to view Check Transactions & View Transaction Detail. Select Receivables > Advanced Search from the menu. Select Instruments from the drop-down. Click Go. a. Name for Saved Search in Search Criteria Name. b. Select Data Element Regional Instrument Type. c. Select Condition. d. Enter Channel Value. e. Click Save and Search. a b c d e Click Business Division for a transaction to view additional details. 43

45 Check Transaction Details: 44

46 Display Direct Debit Transactions & Export Select Receivables > Advanced Search from the menu Select Instruments from the drop down. Click Go Click Export to export an Excel, CSV or PDF file. 45

47 Exported data from Direct Debit transactions: Identify Reversals First, use Advanced Search to locate the ID of the payment that has been reversed. Search using your organization s designated identifier, for example, Customer Reference as well as the desired condition(s) of the payment. 46

48 In the results, click on the blue underlined data item in the transaction to view 47

49 Under Linked Payments expand the sections to find the payer and transaction detail needed. If the transaction is a return transaction, there will be two (2) linked payments shown: One for the original and a second for the return transaction View Receivables For a Specific Department/Business Unit Create an advanced search. Add an additional criteria row and enter the following values: 48

50 View Future Dated Payments Search for those incoming payments with a date greater than (after) today. If today is February 18, 2013: There are 145 future dated payments 49

51 To quickly sum the value of these future dated payments, simply export to Excel and sum the Instrument Amounts As of February 18th there are $9,574, of future dated payments that can be expected to clear. 50

52 Citi Transaction Services transactionservices.citi.com 2013 Citibank, N.A. All rights reserved. Citi and Arc Design is a registered service mark of Citigroup Inc. CitiDirect BE and ReceivablesVision are service marks of Citigroup Inc. SafeWord is a trademark of Secure Computing Corporation GTS /13