DIGITAL WORKING CAPITAL FOR BUSINESSES

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1 DIGITAL WORKING CAPITAL FOR BUSINESSES

2 DIGITAL WORKING CAPITAL FOR BUSINESSES Today, the global business environment has reached a stage where even the simplest processes warrant digitization to ensure ease, efficiency and operational excellence. As the focus increases on faster transactions, smoother cash flows and greater customer satisfaction, YES BANK recognizes its responsibility to deliver cutting edge technologies to empower financial processes of its business partners. We are pleased to present YES BANK's latest digital offering - YES TRANSACT: InvoiceXpress, a web based solution for working capital management that will fully automate order and invoice presentment, receivables management for your company. Through YES TRANSACT: InvoiceXpress, your company can now manage its debtor and working capital cycles much efficiently, leading to faster cash flows and more streamlined operations. YES TRANSACT: InvoiceXpress allows you to raise invoices online in the company format, set alerts and reminders, and view a complete dashboard of individual paid and unpaid dues with or without an ERP system. Multiple dealers can access the portal to pay through multiple payment options, thus allowing you to retain full control of your organization's working capital management. YES TRANSACT: InvoiceXpress will usher in unmatched efficiencies into your business' financial operations making receivables paperless, secure and real time. I am confident that this solution will be the simplest, most beneficial upgrade of your financial supply chain processes. As always, YES BANK is honored to partner with you in improving your entire value chain and contributing to your organization's lucrative future. Thank you. Sincerely, Rana Kapoor Managing Director & CEO

3 Introducing An end to end solution for your company's process of order management, invoice presentment, collections & reconciliation Your dealers/vendors/distributors/customers and channel partners can now pay online on your customized YES TRANSACT: InvoiceXpress webpage. Payments can be made using their preferred mode of transaction Card, Cash, Cheque, NEFT, RTGS, IMPS or Net Banking. You have flexibility to set limits, rules, alerts and reminders to further simplify the collection process. Your Company does not require an Enterprise Resource Planning (ERP) system to use YES TRANSACT: InvoiceXpress. It is a web based plug and play solution. However, if your company has an ERP, YES TRANSACT: InvoiceXpress can also be integrated into it as well as your company webpage without major system developments. Each customer/dealer/vendor/distributor of your company will have a personalized web portal to access YES TRANSACT: InvoiceXpress from his/her end multiple payers can log in to settle single or bulk payments. Features Simple and secure web based module Comprehensive dashboard showcasing pending/advance/part payments Upload invoices in your Company's format Make/Receive bulk payments through Online & Of ine payment options No need for major system developments Easy Integration with your ERP/Webpage Discounts, Charges & Taxes will be auto calculated and adjusted Set alerts & receive real time updates & noti cations Plug & Play Solution Tailored as per your needs Instant Reconciliation Full support & training Online & Offline payment channels

4 Digital Working Capital for Businesses Transform your business with Digital invoicing will streamline your workflow and enable efficient supply chain management Your dealer/ distributor places an order through YES TRANSACT: InvoiceXpress accepts the order with real time updation on YES TRANSACT: InvoiceXpress Your dealer receives real time intimation of acceptance uploads invoices, configures payment rules & alerts Your dealer receives SMS/ alerts & reminders can execute multiple transactions with multiple dealers receives funds with a reconciled MIS Your dealer logs into webpage, views all outstanding invoices, makes payment using RTGS/ NEFT/ IMPS, Cash, Cheque, or Payment Gateway can activate dynamic discounting or auto levy of taxes/charges

5 Challenges Eliminated Long payment cycles delaying cash ows Restricted transaction processing time Risk of signature and invoice spoo ng Dif culties in reconciling partial/advance payments against invoices Real time monitoring & updates unavailable Standardized multi-bank reconciliation unavailable Manual raising & reconciliation of invoices prone to errors Exponential Benefits Accelerated collections & working capital cycles Round the clock processing through online channels Inherent security features with built-in controls Single interface to manage multiple debtors Accurate, real time information snapshots Multiple payment methods & multi-bank reconciliation Digital raising of invoices with audit trail IDEAL FOR Online fees/ membership collection for Clubs/ Colleges/Schools/Universities Utility bill payments for Power and Water Distribution companies Automated collections from distributors for FMCG companies Order and collection management for Auto companies with dealerships Collection management for Travel and Tour Agents

6 Digital Working Capital for Businesses FAQs 1. Is this channel secure? YES TRANSACT: InvoiceXpress is a highly secure web-based platform with several controls put in place to ensure security and integrity of data management. 2. Are transactions possible only through YES BANK accounts? YES TRANSACT: InvoiceXpress facilitates receivables and payables from/to both YES BANK and Non-YES BANK accounts through multiple payment options. 3. Is there a limit to the quantum of transactions that can be processed? There is no limit to the quantum of transactions that can be processed. 4. What is the average time taken for YES TRANSACT: InvoiceXpress implementation? On an average, YES TRANSACT: InvoiceXpress will take 7-10 days for end to end rollout. 5. Is it necessary to have an Enterprise Resource Planning (ERP) system? No, you do not need to have an ERP system. You can easily raise invoices via excel, csv or txt uploads. 6. Is there any license or registration required prior to implementation? There is no such requirement. 7. Do I need to invest in a new IT application to integrate with YES TRANSACT: InvoiceXpress? YES TRANSACT: InvoiceXpress is a web based module which seamlessly integrates with your existing systems and workflows. Only minor customizations need to be done to your existing system. 8. What are the benefits of YES TRANSACT: InvoiceXpress? YES TRANSACT: InvoiceXpress is a comprehensive platform for invoice presentment, disputes management and receivables management. It provides user interface for all payments and enables notifications, auto adjustments of discounts/ taxes. It ensures straight through reconciliations.

7 GO DIGITAL FOR YOUR WORKING CAPITAL TODAY Contact: Asit Oberoi Group President & Global Head Transaction Banking, YES BANK To know more, us at Corporate Of ce: YES BANK Tower, IFC 2, 27th Floor, Senapati Bapat Marg, Elphinstone (W), Mumbai , India.