Receivables Management Solutions

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1 Receivables Management Solutions Unlock trapped liquidity, reduce costs and make collections more predictable Citi Transaction Services Latin America and Mexico

2 Citi Transaction Services Latin America and Mexico Receivables Management Solutions 2 Manage cash strategically and optimize working capital with Citi s global receivables solutions. Citi s solutions streamline receivables processing and increase operational efficiencies to reduce costs and help organizations achieve their financial goals. Citi Receivables Offering in Latin America and Mexico Jamaica: 1/17 Honduras: 21/70 Mexico: 4000/. Guatemala: 40/700 Dom. Rep: 2/74 Haiti: 1/0 Solutions & Capabilities El Salvador: 32/68 Nicaragua: 11/0 Ecuador: 2/85 Costa Rica: 18/0 Peru: 15/108 Panama: 19/117 Chile: 441/376 Uruguay: 5/460 Argentina: 69/2.556 Puerto Rico: 5/56 Trinidad & Tobago: 2/0 Venezuela: 19/117 Colombia: 55/4.295 Brazil: 123/4.068 Identified Collections Pick-up Services A/R Service Direct Debit Citi Branches 2,561 Network Ext. points 16,492 Paraguay: 2/1.161 SpeedCollect Speed Collect is a simple deposit service of Identified deposit of checks and/or cash at any Citi branch or partner branch where a pre-printed deposit slip will be used by the depositor (customers of our customer) to include Invoice information of payment such as Invoice number, Payer ID, Dates and amounts so that our customers can later identify and reconcile their A/R Benefits at a Glance Increase efficiency and reduce DSO and overall costs Easy monitoring of your Collections via Electronic Banking Fast reconciliation from the collections reports available with deposit Information Maximize Funds Availability and usage Better control over payments and collections with an overall objective to improve working capital

3 3 Transaction Services Receivables Management Solutions 1 Citi s Concentration Accounts 2 Deposit Date 4 Beneficiary Number 5 6 Reference Field Client Reference Field 3 Deposit Amount Active Collection Services Citi s electronic and paper-based collection solutions automate the collection process to reduce processing costs, accelerate collections, improve cash flow and optimize liquidity. Account Receivables Services Citi Accounts Receivable Services streamlines and simplifies the complexities of the accounts receivable reconciliation process, reducing administrative costs and days sales outstanding. How it works: Citi obtains a company data on your company s account receivables in advance. This file will serve different collection channels, Citibank branches and third party networks. Your company s payers can go to any of these points to make a deposit in cash, checks or instruct a Book-to-Book Transfer. Direct Debit Services Citi Direct Debit Services is a solution for clients managing direct debit program in house. It offers your customers a convenient payment method and accelerates receivables, improving your cash flow. Simply collect authorizations and bank account information from your customers, and send instructions to Citi to debit your customers accounts via Automated Clearing House (ACH) to settle their outstanding obligations. Benefits at a Glance: Reduces error level during reconciliation process and allows incorporating discount or interest calculations. Collection information can be easily downloaded from CitiDirect to the client s receivables system. Collection process can be monitored via Electronic Banking, providing quick reporting update. Benefits at a Glance: Improve your company s cash flow Accelerate Receivables Convenient payment method with complete reporting capabilities How it works: This service allows Citi client to send a file to Citi containing the amount to be debited at their payer's account at Citi or at any other Bank (when ACH Debit is available). Given that the product is built under ACH capability, the payer's account may reside in another bank. Our client and the payer previously sign a contract, in which the payer authorizes the transaction indicating amount, date, and any other predefined condition. Electronic transfers are also available in those countries where Direct Debit is not offered.

4 Citi Transaction Services Latin America and Mexico Receivables Management Solutions 4 Latin America Receivables Features on CitiDirect Allows to easily access the information about your company s Accounts Receivable through interactive electronic reporting tools available on CitiDirect that are designed to consolidate all OTC collections. Latin America Receivables Reports More than ten different reports are available for clients in Latin America in order for them to retrieve information about active and passive collections, consolidating transactions from multiple accounts and countries. Some of them provide an aggregated view based on relevant attributes like status, payers and payment dates. Clients are able to drill down to get a summary view of all transactions under a specific category as well as to get detailed information for every transaction. Latin America Receivables File Delivery Regional and Local standard formats are available for clients to send and receive files to support their Accounts Receivable process. Clients can import files containing active collections transactions and export files to get up-todate status updates and the latest information about their collections to improve their reconciliation process. Latin America Receivables Services Clients using our Active Collections offering are able to send specific instructions and make modifications to transactions that have not been paid, through several options that are available as part of our offering. Citi Electronic Invoice Presentment and Payment An efficient tool to better control, visualize and manage your collections processes end-to-end. Citi, in partnership with SDD is able to offer a robust solution to provide improved cash flow visibility, increased automation and integration with their ERPs, making it possible for clients to reduce DSO, minimize dispute rates, lower costs and accelerate payment settlement for a more efficient reconcilement process. A strong partnership In offering you our Present and Pay Service, Citi has partnered with an industry expert: SD&D Collections. A longtime leader in banking processing, SD&D adds their expertise in system development, integration and collection processing to the Citibank. In addition, SD&D has backup operations and presence in 10 countries in LatAm and +40,000 active users. And in Citi, you are working with one of the largest players in finance and cash management today, with all the resources associated with industry leadership. Together, the Citi and SD&D partnership is uniquely qualified to assist you in reducing days sales outstanding and accelerating your collections. Your company can achieve the following results by using Citi Present and Pay: Improve your collections process by providing your clients with access to a web based environment to receive invoices and complete payments Reconcile transactions from all of your current collections channels, increasing automation and allowing for full visualization of payments and outstanding invoices. Implement an efficient communications tool with your customers, commercial representatives and all other stakeholders involved in the collection process to negotiate and quickly resolve invoice disputes. Other features include: Place an order to APMM via the online platform Receive an automated confirmation Originate and deliver an electronic invoice to customers Get a confirmation of received goods Negotiate with customers via chat or internal communicator Issue a payment electronically through the platform or to communicate a payment made at any other institution or through any other channel (cash deposit, check, deposit at a third bank, etc.) Reconcile complete collections account Seamless connection to your ERP through an interface to download all transaction files. Benefits at a Glance Full reporting and reconciliation capabilities Minimize manual processes, gaining control and efficiency in managing your collections process Increase visibility of outstanding invoices and reconcile payments from different channels Improve working capital by providing your customers with a convenient payments platform Reduce administrative expenses

5 5 Transaction Services Receivables Management Solutions BILLER 1 6 Invoice Data A/R File Settlement Biller/Payer set up and entitlements Message translation and code normalization Invoice delivery and trading partner notification Uniform invoice approval/dispute workflow invoice presentation (including drill down, multiple selection, etc) Dispute processing, handling & resolution Payment processing and reporting analytics 2 Approve invoice Adjust(if necessary) Initiate & authorize payment via ACH or Deposit Slip PAYER Deposit Payment Confirmation Information Instructions Files Debit Information BILLER S BANK PAYER S BANK 4 Automated Clearingchouse(ACH) Credit CITI OPERATIONS 4 ACH Debit Pick up services: Traditional services where an armored car or special courier picks up cash or checks at customer s premises Money or documents are later deposited at Citibank branches Remote Deposits This solution allows customers to transfer remotely from their offices, checks to be collected. Through a web site and with a scanner provided by Citi, checks can be digitized and transmitted to the bank. Benefits at a Glance: Convenience (Save a Trip!) - Create a virtual branch in the office - No longer necessary to make a trip to the bank Country coverage - Reduce Float and Presentment Time - Clients can access deposited funds sooner Reduce Costs - Eliminate the expense of armored cars and overnight couriers Minimize Risk and Fraud - Since checks are presented for payment sooner, notification of returned items gets back to Clients faster Improved Information Flows - Online access to images of deposited checks through CitiDirect

6 Citi Transaction Services Latin America and Mexico Receivables Management Solutions 6 Tax Presentment Service Our Tax Presentment features in Latin America comprises country-specific and regional solutions, to support multiple market practices, regulatory frameworks and different conditions to integrate our processes with the local Tax Authorities Different Methods for Tax Presentment and Payment Throughout the region many different options are available to provide the information required for each specific type of Tax and make the related payment, depending on local regulations and market conditions: Paper based forms to support all relevant Tax Presentment details Over the Counter Tax Payments Electronic Tax Payments, initiating a funds transfer (e.g.: book to book) through the Electronic Banking Platform (e.g.: CitiDirect) Standing Agreements for custom brokers to initiate payments on behalf of our clients for Custom Taxes Tax Presentment and Payment through the Tax Authority Web Application Regional Tax Presentment Solution: available for clients through the Latin America Resource Center on CitiDirect via Single Sign On, this allows clients to fill in electronic forms (or perform file import) suited to support the data requirements of each type of tax and electronic payments (book transfers) as part of a single solution that also integrates with country-specific processors and the local Tax Authorities. Tax Presentment Service in Latin America Currently available in Brazil, Venezuela, Panama and Dominican Republic, this all-in-one solution provides clients with a flexible front-end to support manual input or file import of all transaction details required for each type of tax. The solution performs format verification, business validation and makes it possible to define different life cycles to reflect all relevant status for every type of tax. It also allows clients to choose from different control flows in terms of authorization levels. The front-end provides on-line real time connectivity with the local product processor for the timely execution of instructions and integration with the domestic Tax Authorities systems.

7 7 Transaction Services Receivables Management Solutions Why Citi Transaction Services Driving innovation in the receivables industry, Citi leads the way with mobile and electronic receivables solutions that meet our clients needs while being compatible with local systems and technologies. Citi solutions also offer value-added services such as dashboards, reconciliation services and analytics to provide clarity, visibility and global supervision, while facilitating local execution. With a comprehensive suite of receivables solutions, over 100 years of expertise and an on-the-ground presence in 24 markets in Latin America and Mexico, Citi can provide customized, strategic receivables solutions for any business need in the order-to-cash cycle. Citi has 30 partners and more than 16,000 collection points in the Region Network Extensions Regional Capabilities Mexico: Guatemala: 700 El Salvador: 68 Panama: 117 Jamaica: 17 Honduras: 70 Dom. Rep: 74 Puerto Rico: 56 13, ,561 16,492 $36 Billion Clients Countries Branches Network Points Annual client transactions with a total value of $1,872,000,000,000 American dollars Ecuador: 85 Peru: 108 Chile: 376 Uruguay: 460 Argentina: Venezuela: 85 Colombia: Brazil: Paraguay: To learn more about how Citi can help your company manage cash strategically and optimize receivables, contact your Citi representative.

8 Citi Transaction Services Citibank, N.A. All rights reserved. Citi and Arc Design is a trademark and service mark of Citigroup Inc., used and registered throughout the world. All other trademarks are the property of their respective owners.

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