For instance, the modular structure of Treasury Manager's services, including Balance Reporting, Account Reconciliation and Stop Payments, lets you select only what fits your needs. To achieve a powerful, fully integrated treasury management solution, you can also add funds transfer applications such as Automated Clearing House (ACH) origination, book transfers and wire transfer initiation. And all this is accessible through the Internet or with software we provide.

In addition to being flexible, Treasury Manager is easy to use, reducing learning time and helping you operate quickly and efficiently. User-friendly features include pull-down menus, built-in look-up tables and an online help system with search capabilities, hypertext links between related topics and graphical images with information "hot spots." The system enables you to receive electronic updates, add applications, change wire and ACH dollar limits and add or change accounts. And multi-user capabilities allow shared data to be accessed from networked computers.

Balance Reporting

• Effectively manage your daily cash position
• Obtain consolidated information in easy-to-understand reporting formats
• View your entire cash position at a glance
• Eliminate multiple phone inquiries to the bank

Account Access By Operator allows the system administrator to permit or block access to specific accounts for each operator.

Store and Report Funds Availability Information for Balance and Transaction Records provides full reporting on Funds Availability at both the summary and detail transaction level. This information is used to indicate how much of a particular total amount is available on various dates.

Automatic Balance and Activity Retrieval can be configured to automatically check the last time a bank update file was retrieved whenever the Balance Reporting/ Reconciliation application is loaded. If a file has not already been picked up for the day, the system will retrieve the latest data from the bank.

Save Report Preferences by Operator saves report preferences and criteria for each report by individual user, so that when an operator logs on to the system, their last-used reporting requests will be presented. The user can then opt to immediately request the report using the same criteria or make changes.

Recurring Transactions automatically stores individual register transactions, such as EFT items, so they can be easily retrieved for future use.

Additional Export File Formats provides other options for the generation of spreadsheet files such as Quicken, Excel or comma delimited.

Multiple Import Specification can be maintained on a single system.

Account Reconciliation gives you a powerful, automated tool for tracking account activity and reconciling that activity with the bank's statement. An electronic check register presents the status of all issued items, including paid items and bank-initiated transactions such as service charges, and allows you to manually enter or electronically import payment information from other sources. When the bank generates a file of cleared items, Treasury Manager processes and matches them to the register. The system presents transaction detail information by account range, dollar range, serial number, transaction type and other criteria. All reconciliation functions are performed quickly and easily, and reconciliation aids, built into the system, help you resolve unmatched exception items.

The account reconciliation function can also help you:

• Reduce clerical expenses by automating the reconcilement process
• Reduce accounting and data entry errors
• Perform ongoing reconcilement to improve planning and control
• Stop Payments allow you to create an electronic stop payment order to the bank regarding a specific check or range of checks. Texas Capital Bank receives an electronic form with all the necessary account and payment information, eliminating the need for telephone or fax requests.

Fund Transfer Modules provide a complete corporate Treasury Management package, the ACH and wire transfer initiation modules may be integrated into the basic Treasury Manager system, with both capabilities appearing as separate items in the main menu. Extensive security features protect wire transfer payments and ACH transactions from unauthorized access or use.

In addition, each funds transfer module performs processing activities in a similar manner, so that once you have learned to operate one module, learning others will come easily.

Wire transfer module supports creation of both repetitive and non-repetitive wire transfers, utilizing a simple process that allows you to both create and approve transactions for submission to the bank. Once transactions are created, they may be stored in the database for future access and modifications. Comprehensive user authorization and audit features are built in, so that sensitive functions can be assigned to a higher level of user, and unauthorized personnel cannot access the system. Each organization can establish global security parameters such as a password-aging period and the number of invalid log-on attempts permitted before disabling an operator. Most importantly, data is protected using the data encryption standard (DES) and message authentication codes. Both the database and file transmission process are encrypted, preventing data from being viewed or altered.

Additional Treasury Manager capabilities include:

Maximum Per-Transaction Dollar Limits by Operator lets administrators set a per transaction maximum dollar amount that is verified at send time. This feature is in addition to the cumulative daily dollar limits.

Transaction Access by Operator enables a transaction access control feature, so that the system administrator can block access to specific recurring transactions for each operator.

• Payroll deposits
• Bill or dues collections
• Corporate payments
• Financial EDI payments
• Federal and state tax payments

Additional Import File Formats allow you to import from such sources as NACHA, Excel, comma delimited and fixed column text files.

Combined Import With Auto-Update adds new records to a group (batch) of ACH transfers, while existing records are updated in a single operation. In addition, multiple import specifications can be created and maintained on a system.

Book Transfers
Internal bank transfers can be created quickly at your site using this module. Book transfers are funds transfers between two accounts within the same financial institution. The book transfer function follows the same processing guidelines as all the funds transfer and transaction initiation modules, including ACH origination, wire transfer and stop payments.

For more information on the Treasury Manager system, please call your Treasury Management Representative at Texas Capital Bank or 1.877.TEX.BANK (1.877.839.2265).