U.S. Bank AP Optimizer¨ (SPEECH) [AUDIO LOGO] (DESCRIPTION) Logo, U.S. Bank. A.P. Optimizer. Documents and dollar signs flow by. (SPEECH) SPEAKER: Organizations are looking for ways to streamline the accounts payable process to remove costs and reduce inefficiency. U.S. Bank can help with AP Optimizer, a single system that automates the entire AP process, from invoice receipt to payment disbursement. AP Optimizer saves time by automating all invoice processing steps and disbursing business and consumer payments from a single instruction file. Moving from checks to electronic payments can reduce costs, save time, and create rebate revenue opportunity. AP Optimizer connects to the Paymode-X¨ network of more than 500,000 electronic payment-accepting suppliers. Organizations typically find that 45% of their suppliers are already in the network, creating savings and rebate revenue opportunities on day one. AP departments typically convert 40% to 60% of their check payments to higher value virtual card and ACH. With security and fraud mitigation tools embedded throughout, AP Optimizer provides unmatched security. Our AP automation expertise can increase productivity, reduce costs, create rebate opportunity, and strengthen controls to help grow your business. Contact a U.S. Bank representative today to schedule an automation consultation. (DESCRIPTION) Contact a U.S. Bank representative today. The director and issuer is U.S. Bank National Association pursuant to separate license.