A division of Zions Bancorporation, N.A. Member FDIC vectrabank.com / 800-341-8156

TREASURY MANAGEMENT / DISBURSEMENTS

Page 1 of 2

INTEGRATED PAYABLES INVOICE-TO-PAY

BENEFITS

FEATURES

INTEGRATED PAYABLES is a fully integrated invoice-to-pay solution that automates your accounts payable and payment process. Issue Commercial Card, ACH* and check payments from a single location. Replace the manual and time-consuming process of collecting,

approving, tracking and paying invoices with an end-to-end customizable electronic workflow. Experience the benefits of increased AP efficiency, reduced processing costs, greater control of outgoing cash flow, reduced payment risk and improved internal accounting controls.

• Save Time. An active synchronization with your accounting software allows you to save timeby reducing manual payment entry and posting. Spend less time on your daily payables andmore time growing your business.

• Create Cost Efficiencies & Improve Cash Flow. You choose when and how to pay your vendorsto maximize benefits back to your business. Gain extra cash by taking advantage of early paydiscounts. Earn greater rebates by increasing payments made with Commercial Card.

• Streamline Your Workflow. A streamlined, predictable AP process with a single actionableview of payments reduces the opportunity for error. Issue Commercial Card, ACH and checkpayments from a single location.

• Reduce Risk of Fraud. Reduce risk of internal and online fraud through advanced securityfeatures. Integrates with Positive Pay.

• Active Synchronization. Bi-directional integration with common Accounting/ERP applications.

• Invoice Capture. Important invoice information (vendor, payment terms, line level information)is automatically extracted from paper and electronic invoices, presented to AP staff for reviewand routed to individual departments for approval.

• Invoice Approval. Workflow tools enable AP staff to route uploaded invoices to departmentsfor approval. An unlimited number of scanned invoices and other supporting documents canbe stored in the solution.

• Payment Authorization. Approved invoices can then be aged and approved for paymentaccording to your cash management policy. Payments can be approved for CommercialCard, ACH or check. Payments are processed directly from your account without the useof settlement accounts. Use important payment controls: segregation of duties and dualapprovals for payments above certain thresholds. Mobile support: payment approvers canreview and release payment instructions through a web interface.

• Payment Remittance. Electronic remittance details are sent to vendors.

For more information, call 800-341-8156 or email tmsupport@vectrabank.com or contact your local banker.

A division of Zions Bancorporation, N.A. Member FDIC vectrabank.com / 800-341-8156

TREASURY MANAGEMENT / DISBURSEMENTS

Page 2 of 2

REV031717

*Use of Integrated Payments with Commercial Cards and/or ACH payment service requires separate applications andenrollment. Subject to credit approval. Terms, conditions, fees and agreement apply. See a banker for details.

All trademarks referenced above are property of their owners and ZB, N.A. does not claim any ownership or exclusive rights therein.

Integrated Payables supports most popular accounting systems and has an active synchronization with QuickBooks® (Desktop and Online), Intacct®, Microsoft® Dynamics GP, NetSuite® and Sage50®.

OPERATIONS

HOW IT WORKS