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INTRODUCTION
TO
ACH PROCESSING


"PROCESSING YOUR FUNDS AT THE SPEED OF LIGHT"


Overall Benefits to Participants

Benefits to Corporate Originators

     - Cost reduction.
     - Eliminates critical delivery of checks since funds are        automatically deposited.
     - Predictability of funds.
     - The reduction of paper handling, which comes from automation.

Benefits to Originating Depository Financial Institutions

     - Reduction in processing costs
     - Stronger customer relationships. Revenue generation

Benefits to Receiving Depository Financial Institutions

     - Shorter lobby lines
     - Improved customer service
     - Reduced costs in processing incoming entries. Immediate collected funds for credit entries

Benefits to Receivers

     - Convenience of use
     - Increased control over account balances. Reduced payment costs





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