Strictly Private and Confidential[insert_clientname]

Solutions to Help You Capitalize on Opportunity Now

February 2013

How Treasury & Payment Solutions can help your business shine

[insert_clientname]

These materials may not be used or relied upon for any purpose other than as specifically contemplated by written agreement with Company

Agenda

I. Understanding your business today

II. Meeting your treasury needs

III. Introducing your team and our approach

AppendixA. Company Overview B. Treasury & Payment Solutions Introduction

Disclosure Appendix

Understanding your business today

[insert_clientname]

A closer look at treasury trends

When evaluating which payment solutions are right for your company, in an ever-evolving marketplace, some considerations may include:

Shifting and complex payment options

Changing consumer and business payment behavior

When is the right time to make a change – do it now or wait and see

Understanding the payment options available for my business

Knowing who the change impacts and how – is it worth the effort

Automating receivables and payables to gain operating efficiencies

Considering the move to electronic payments, and to card solutions

[insert_clientname]

A closer look at treasury trends

Businesses are continually looking for ways to streamline processes and become more efficient. These factors may influence the approach you take:

Shrinking resources

Increased organizational responsibilities

Flexibility and adaptability of the solutions to my business

Breadth of regulatory oversight

Board scrutiny on investment policies and decisions

In-house expertise versus third-party alternatives

[insert_clientname]

A closer look at treasury trends

Managing information and processes to meet your needs is a constant challenge. Figuring out how to establish appropriate controls for both is the opportunity.

Evaluating risks and identifying exposure

Data security issues

Protecting your money and your information against fraud

Managing who has access to what information

Having enough data to make a sound decision

Contingency planning for cash flows

Meeting compliance requirements

Controlling costs

[insert_clientname]

A closer look at treasury trends

While it seems that almost everything in the economy is changing on a near-daily basis, one thing remains the same: Businesses exist to generate profit and are looking for ways to find the competitive edge.

Keep your best customers

80% of profit comes from 20% of customers

Generate profitable new business

Existing customers remain the best source of new business

Turbulence in the economy creates fresh opportunities

Prepare for the impact of change

Historically low interest rate environment

Consolidation in the banking industry

Balancing the need to invest for growth with the demands of a new market in which liquidity and stability are so closely connected

Meeting your treasury needs

[insert_clientname]

Working Capital Cycle

We work to understand our clients’ business flows and recognize where our services can add value in order to establish long-term relationships with our clients.

[insert_clientname]

Receivables Deposit Accounts Wholesale Lockbox Lockbox Image Services Scannable Lockbox Online Check Deposit Image Cash Letter Cash Services Deposit Reconciliation ACH Services Wire Transfer Electronic Data Interchange Merchant Services Check Deposit Services Online Payment Acceptance eClaim Revenue Gateway

Payables Checking Accounts Controlled Disbursement Positive Pay Controlled Payment Reconciliation Enterprise Payment Processing ACH Services ACH Fraud Control Wire Transfer TTAXplus Service Electronic Data Interchange Account Reconciliation Image Delivery Services Corporate Card Purchasing Card Payroll Card Solution Commercial Prepaid Card Online Payroll

Online Information

and Control

Information Reporting ACH Services Wire Transfers Account Transfers Stop Payments Online Image Services Online File Transfer Automated Report Delivery and Notification

LiquidityCash Position Management

Previous Day and Same Day Information Transaction Initiation Automated Investment and Borrowing Zero Balance Account Sub Account Management Cash Concentration

International Trade Finance Trade Services Foreign Exchange International Cash Management

The Right Solutions

Understanding our clients needs allows us to recommend the appropriate treasury management or other payment-related solutions to enhance all aspects of their business.

[insert_clientname]

Core collection services

Deposit/Checking Accounts Wholesale Lockbox Scannable Lockbox Cash Services Online Check Deposit Image Cash Letter eClaim Revenue Gateway

Wire Transfer Corporate Payments Pre-authorized Debit Check Deposit Services Merchant Services Online Payment Acceptance ACH Services

Complementary products to further enhance timely processing

Lockbox Image Services Deposit Reconciliation Electronic Data Interchange

Information Reporting Online File Transfer Cash Services

Receivables Solutions

Improve the collection and posting capabilities for your outstanding receivables by accelerating and automating the processing of these transactions.

[insert_clientname]

Enhance the timing and reconciliation of payables due to your suppliers or trading partners by implementing payment methods that streamline the process and build in added security.

Core disbursement services

Checking/Deposit Accounts Controlled Disbursement Positive Pay Controlled Payment Reconciliation Wire Transfer ACH Corporate Payments Direct Deposit

TTaxplus Service Corporate Card Purchasing Card Payroll Card Solution Commercial Prepaid Card Online Payroll

Complementary products to further augment control and security

ACH Fraud Control Account Reconciliation Electronic Data Interchange Image Delivery Services

Enterprise Payment Processing Information Reporting Online File Transfer

Payables Solutions

[insert_clientname]

Online Treasury Manager

Account review and transaction initiation

ACH Services Wire Transfers Stop Payments Account Transfers

Special Reports Information Reporting Image Services

Fraud Control Exception Items Disbursement Items Deposited Items and Tickets

Online File Transfer

Internet data transmission

Lockbox ACH Services Account Reconciliation

Controlled Payment Reconciliation Positive Pay

Online Courier

Automated delivery of information reporting

Automated Delivery Notification Alerts

Balance Alerts Transaction Alerts

Delivery Methods Internet, Email and Fax Treasury Workstation

– Direct dial-up connection– Internet Access

Online Information and Control Solutions

Streamline access to banking transactions and financial information needed to make critical business decisions through our online services.

[insert_clientname]

Liquidity / Cash Position Management Solutions

Prior Day and Current Day Information

Monitor account activity to determine daily cash position

Summary Detail

Special Reports Image Services

Transaction Initiation

Transfer funds using online services

ACH Services Wire Transfers

Stop Payments Account Transfers

Automated Funds Mobilization Tools

The movement of cash on a daily basis can be provided through a variety of cash positioning services

Business Sweep Overnight investments Overnight loans

Zero Balance Account Consolidate deposits Fund disbursements

Cash Concentration

Sub Account Management Account reconcilement Interest allocation Balance reporting 1099 statements

Maximize the use of funds on a daily basis through products that can automate the movement of funds and monitor account activity.

[insert_clientname]

Commercial Card Solutions

Corporate Card

Benefit from improved financial control, cost reduction, streamlined administration, and corporate protection

Flexible Program Controls Single transaction limits Monthly spending limits MCC (vendor type) restrictions Online pre-purchase approval

Detailed Card Program Reporting

Visa Liability Waiver Program*

Billing and Grace Period Individual and Central bill 30 Day Billing Cycle 25 Day Grace Period Powerful real-time reporting capabilities

through Enterprise Spend Platform

Purchasing Card

Increase efficiency, generate revenue, and improve management control and visibility

Flexible Program Controls Limit single transaction size and

monthly spending by cardholder MCC (Vendor Type) restrictions Online pre-purchase approval Accounts Payable automation

Billing and Grace Period Central Bill 30 Day Billing Cycle/18 Day Grace

Period (optional weekly or semi-monthly billing)

Visa Liability Waiver Program*

Detailed Card Program Reporting Visibility into transaction details (up to level

3 detail, where available) Powerful real-time reporting capabilities

through Enterprise Spend Platform

* Terms and conditions apply

Track and control spending with card programs tailored to your needs, including replacing petty cash accounts, paying bills, and managing travel and entertainment expenses

[insert_clientname]

Commercial Card Solutions

Commercial Prepaid Card

Use prepaid cards for incentives, awards, promotions and more

Non-Reloadable Commercial Prepaid Cards: Issue in whole US dollar amounts from

$1 to $500 Signature only transactions where Visa is

accepted No ATM or cash advance access Disposable once the value of the card

reaches $0 Customization available with a minimum

annual order of 750 cards

Reloadable Commercial Prepaid Cards: Can be funded from $0 to $5,000 US

Dollars Use at 800,000 Plus/Interlink ATMs,

cash advances, and signature Cards can have an indefinite

lifecycle 50 card minimum Cardholder SSN is required and

name must be embossed on the card

Mobile phone alerts

Enterprise Spend Platform

Provides you with the flexibility to select the specific functionality your organization requires

Statement ManagerTransaction ManagerExpense Manager

Payables ManagerRequisition Manager

Track and control spending with card programs tailored to your needs, including replacing petty cash accounts, paying bills, and managing travel and entertainment expenses

[insert_clientname]

International payment and risk management solutions

Trade Finance Trade Services Foreign Exchange International Treasury Management

International Solutions

Integrate international and domestic treasury functions by establishing an array of services to meet multi-country and multi-currency business needs.

Introducing your team and our approach

[insert_clientname]

Your Treasury Sales Officer consults with you concerning your business needs in order to develop a customized treasury or payment solution, coordinating the work of the sales and service teams. The Treasury Sales Officer keeps you informed about industry trends and new services, and makes recommendations to optimize your treasury management processes.

The Treasury Client Services Specialist coordinates your day-to-day communication with Company, once your services are in place. A specific individual will be assigned to serve as your primary contact for routine inquires relative to how your services are functioning, determining the nature of any problems, identifying the appropriate follow up action and instituting that action to ensure a swift, accurate and complete resolution.  Your Client Services Specialist works to ensure that you receive high quality customer service and that our services meet your expectations.

The Treasury Implementation Lead Project Manager is responsible for planning, coordinating and executing implementations for all treasury management products and services.  They partner with you from receipt of your initial request through the entire process directing and managing the workflow of the Company implementation team. They conduct detailed interviews to gather your requirements and secure deliverables ensuring that all services are established according to your needs. They have an in-depth knowledge of all treasury management solutions, coordinate all setup processes and testing, and have the ability to deliver solutions that ensure a smooth client experience.

Relationship Team ApproachIntroducing your team and our approach

NameClient/Relationship ManagerPhoneEmail

NameTreasury Sales OfficerPhoneEmail

NameTreasury Client Services SpecialistPhoneEmail

NameTreasury Implementation Lead Project ManagerPhoneEmail

Your Client Manager is your primary contact for general Company business – someone who knows your corporate objectives, your accounts and your business requirements. This person’s role is to consult with you about new and existing services, ensure your continued satisfaction and bring together the right Company specialists to meet your financial needs.

[insert_clientname]

Receivables

Payables

Online Informationand Control

Liquidity/Cash Position Management

International

Integrated Delivery of Service and Solutions

Relationship Management Team

Treasury & Payment Solutions Sales Team

Implementations and Client Services Teams

Product Management, Risk Management and Operations Teams

Ideas & Solutions

Supp

ort &

Com

mun

icat

ions Specialized Expertise

Quality Execution

Our goal is to keep you, our client, at the center of everything we do. We offer premier treasury solutions coupled with seamless implementation and high-touch customer service to meet your specific treasury and payments needs.

CLIENT

[insert_clientname]

How We Do Business

Our Vision…

We will be THE premierpayment solutions provider.

Solutions to help you

shine

Ask

Listen

Own

Execute

[insert_clientname]

Why Choose Company?

We offer financial strength, commitment to your business and treasury expertise with solutions that meet the needs of our local and national clients.

Strong Relationships Listening to our clients Engaging in proactive dialogue to identify possible solutions for your needs Leveraging our experience to meet ever changing needs

Exceptional Service High-touch customer service delivered through a dedicated Client Services Group Seamless implementation delivered through an efficient Implementations Group Experienced and well-trained banking team

Relevant Solutions

Superior Internet banking solutions Advanced image-based solutions Industry-leading fraud protection services Market-leading commercial card services

[insert_clientname]

How can we help you shine today?

Our Commitment to You

We want to get to know your business

Understanding your needs is central to our approach which is focused on asking questions and listening carefully to your company

Company offers a wide range of solutions from which you can choose – whether your business requires traditional treasury, commercial card, merchant services or international capabilities, we specialize in payment solutions

Ongoing support is delivered through seamless implementation and high-touch client services from professionals who differentiate themselves daily

Our goal is a relationship that allows your company to prosper

We pledge to listen to your unique requirements, understand your needs and deliver on your expectation to the fullest. And in doing so, become the premier payment solutions provider.

Appendix

A. Company Overview

B. Treasury & Payment Solutions Introduction