1. All of the following are generally recognized as benefits of eBAM (electronic Bank Account Management) EXCEPT:

1. Eliminating the cost of creating, moving, reviewing, and storing paper
2. Streamlining the process of managing complex, geographically dispersed, bank account and signatory information
3. Improving the ability to quickly change bank accounts and their signatories across banks and geographies
4. Strengthening internal control and improving related auditing and management reporting
5. Reduction in training and education of employees/trading partners