1. Excellent customer service, including specific points of contact for the Services, direct access to staff, and emergency contact phone numbers. 2. Robust cybersecurity practices for the protection of the Systems’ information and assets and our participating employers and members information. 3. Robust Disaster Recovery and Redundancy capabilities to ensure the Systems’ day to day business transactions are not interrupted. 4. Robust on-line reporting and transactional portals. 5. Ability to comply with the collateral requirements of Sections 169.045 and 30.270 of the Revised Statutes of the State of Missouri (RSMo) in a cost-effective and efficient manner. 6. Competitive cash investment and earnings options. 7. Ability to open and maintain accounts for banking services as listed in the Appendix A: Current Account Details. 8. An internal control structure that allows for large volumes of transactions to be executed seamlessly with appropriate checks and balances. 9. Provide any and all best practice ACH fraud protections, at a minimum an ACH debit block and debit filter, with the ability to allow for specific company IDs. 10. Robust fraud prevention tools 11. Ability to accept and process all deposits, including, but not limited to, checks, cash, and electronic fund transfers. 12. Ability to process ACH credits and ACH debits based on specific company IDs. 13. Ability to facilitate incoming and outgoing wire transfers. 14. Provide annually, at no cost, a copy of the most recent Annual Report or Form 10-K of the Bank or its holding company, its most recent audited internal control documents, including, but not limited to, SOC 1, SOC 2 and SSAE 18 reports, all of which shall include the attestation of the company’s independent registered accounting firm regarding the company’s internal control over financial reporting and cybersecurity controls.
