Bill Payer Alternatives:

MUG 2013 User Panel(ACH Origination)

Established 1899 as the Wayne Building and Loan Company 1964 Wayne Savings and Loan Company 1997 Wayne Savings Community Bank

1993 Converted to Stock form of Ownership NASDAQ WAYN

Corporate Office in Wooster, Ohio 405 Million in Assets 12 Branches – 116 Employees In House Customer – 9 Years with MISER

Wayne Savings Community Bank:

ACH Origination

Retain “Community” Ideals and Level of Service Stability Safety and Soundness Community-Minded

…At the Same Time…

Shed the “Traditional Thrift” Label Expand Commercial-based Products &

Services Appeal to Gen X, Y Customers Focus on Technology for Accessibility /

Efficiency

Bank Initiatives:

ACH Origination

Bill Pay-Per-View: METAVANTE vs. WAYNE SAVINGS

Core Workout: MISER’s 3rd Party Origination Programs

How to Score This Round: Unanimous Split Decision

Questions

Discussion Topics:

ACH Origination

Pays Non-Sufficient Funds

Polices Own Clients ACH or Check Payments Automatic Payment

Options Reminder Alerts User Notes Viewable eBill

Integration Ad Hoc Reporting / EOY

CD

METAVANTE vs. WAYNE SAVINGS

Cheaper Service to Maintain

Account Analysis Friendly NSF Fee Income AP Software Compatible Batch (en masse)

Payments Risk Management Tools

• Financial Institution• Originating Company

ACH Origination / Bill Pay-Per-View

Number of Online Business Banking Customers – LOW

Initial Setup Cost to Implement Bill Pay – HIGH Existing Bill Pay Solution (Consumer) –

AVAILABLE Potential Alternative (ACH Origination) –

PRESENT Pressure from Current Business Customers -

GROWING

Other Bus. Bill Pay Considerations:

ACH Origination / Bill Pay-Per-View

MISER’s 3rd Party Origination:

ACH Origination / Core Workout

3rd Party Master (TPM) Master Record for Company

3rd Party Company (TPC) Risk Management Processing

• Standard Entry Class (SEC) Code Limits 3rd Party Redeposit (TPR) 3rd Party Suspect (TPS) 3rd Party Totals History (TPMOT) + (TPMRT)

Download 3rd Party ACH Files – Business Online Banking Change File ID = H

Start WFL/001/3rdPARTYIN TWR016 – ACH Splitter Program TWD001 – Online ACH File Edit and Entry

Program TWD002 – Online ACH Posting Program

Start WFL/001/3rdPARTYOUT TWD007 – Online ACH 3rd Party Processing

Program TWR009 – 3rd Party NOC and Returned Items

Advices TWR010 – ACH Exception Advice Print

Program Send ACH File via Fedline Advantage (File ID =

B)

Our ACH Origination Process:

ACH Origination / Core Workout

Straight ACH Example:

ACH Origination / How to Score This Round

Addenda Record Example:If I choose to pay by ACH Credit, what information must I provide to ensure that my account is properly credited?

When formatting your ACH Credit payment, you must include your Tax Registration Certificate number (Taxpayer Account Number) in the ACH addenda record. Use the following format (example shown here):

000123456-0001-0-201201M-U004

In this example, 000123456-0001-0 is the account number, 201201M is the tax period and type (the first month of 2012), and the fund/class is U004.

ACH Origination / How to Score This Round

001 WAYNE SAVINGS BANK EDI TRANSACTIONS EXTRACTED TWD001 REPORT 04/15/13 RUN 04/15/13 PAGE 1 VERSION: 12.2.01 UPDATE TIME:07:45:10 RECEIVING POINT 2412-7204-0 WAYNE SAVINGS COMMUNITY SENDING POINT 7930-0013-4 ASF APPLICATION SUPERVI DATE 130412 TIME 20:17 ID D COMPANY NAME: 1CHAIRSRUS SERVICE CLASS : 200 EFF DATE: 130414 BATCH ID NBR: 54 COMPANY ID : 1122332814 STD ENTRY CLASS: CTX SETT DATE: 105 WH SEQ NBR : 12146272 ENTRY DESC : EDI DISB. DISCRTNARY DATA: DESC DATE: ORIG NBR : 0430-0009 TRACE NUMBER SEQ NBR TC TRAN/ROUT# ACCOUNT NUMBER INDIV ID NUMBER #ADN/INDIVIDUAL NAME DP A AMOUNT ----------------- -------- -- ---------- ----------------- --------------- ---------------------- -- - ----------- 0430-0009-2409604 12146273 22 24127204-0 8020123456 076543 0007 TABLETOP 1 471.13 *ADDENDA: 705ISA*00* *00* *08*9251251000 *01*043000096820 *130412*17000012409604 *ADDENDA: 7050*U*00401*000010855*0*P*>\GS*RA*4124874200*043000077820*20130412*1700*3417*X*00400022409604 *ADDENDA: 705010\ST*820*000000394\BPR*C*471.13*C*ACH*CTX*01*043301627*DA*1013636459*12518728100032409604 *ADDENDA: 7054**01*241272040*DA*8020123456*20130414*VEN\TRN*1*068082\CUR*2L*USD*0001*PE*USD\R00042409604 *ADDENDA: 705EF*IT*062782\DTM*097*20130412\N1*PR*1CHAIRSRUS\N1*PE*TABLETOP*FI*34-2233445\N3*900052409604 *ADDENDA: 70547 DEVILLE RD\N4*WADSWORTH*OH*44281*USA\ENT*1\RMR*OI*71623**471.13\REF*FR*89903300062409604 *ADDENDA: 705-6\DTM*003*20130211\SE*15*000000394\GE*1*3417\IEA*1*000010835\ 00072409604 *** BATCH ID NBR *** TOT ENTRY/ADDENDA TOT DEBITS TOT DEBIT AMT TOT CREDITS TOT CREDIT AMT 54 8 .00 1 471.13 *** FILE TOTALS *** TOT ENTRY/ADDENDA TOT DEBITS TOT DEBIT AMT TOT CREDITS TOT CREDIT AMT 8 .00 1 471.13

EDI Invoice Example:

ACH Origination / How to Score This Round

Questions?

ACH Origination / Questions

Thank You!Jeff King - Information Systems Managerjeffking@waynesavings.com330-287-2801

1) Acceptance Level of ACH Payments?2) Standard Method to Convey Billing Information?