Strictly Private and Confidential

February 2013

Solutions to Help You Capitalize on Opportunity NowHow 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. Benefits to your business

II. Targeted Solutions

III. Your Company team and our approach

AppendixA. Company Overview B. Treasury & Payment Solutions Introduction

Disclosure Appendix

Benefits to your business

more money – more time – more control

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More Money

Are you busy balancing the need to manage complex treasury processes with expense imperatives?

Make money with new interest bearing checking accounts

Save money with earnings credit that can offset banking fees

Manage investments more effectively with cash position management tools like zero balance accounts

Cost

Complexity

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More Time

Is your business looking for ways to streamline processes and become more efficient?

Save time with Automation: payments, receipts, payroll, reconcilement, and more Outsourcing labor-intensive processes More?

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More Control

How can you control the flow of information that helps you control your working capital?

Control money with greater visibility into accounts and transactions

Protect money with fraud control options

Receive automatic alerts and notifications for specified transaction types

Access real-time reporting on accounts

Move money as needed for working capital priorities

Targeted Solutions

transparency ● predictability ● consistency

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The best solution is the one designed for your business

Receivables – get funds faster

Payables – cut costs and increase efficiency

Online information and control – know what’s going on with all your accounts

Liquidity and cash position management – make your money work harder

Card Solutions – offer alternative payment and collection options

International solutions – expand your borders

Relevant 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.

Receivables

Payables

Liquidity & Cash Position Management

Card Solutions

International Solutions

Onl

ine

Info

rmat

ion

and

Con

trol

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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.

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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

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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.

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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

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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.

Your Company team and our approach

relationship starts with the right team

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NameCorporate Banker/ Relationship ManagerPhoneEmail

NameTreasury Sales OfficerPhoneEmail

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.

NameTreasury Client Services SpecialistPhoneEmail

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.

NameTreasury Implementation Lead Project ManagerPhoneEmail

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

Your Corporate Banker 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.

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Comprehensive Solutions

Our industry knowledge brings you the specific strategies and solutions that can help you address challenges and take advantage of your biggest opportunities.

*Offered by Company Robinson Humphrey, Inc.** Offered by Company Investment Services, Inc.

Deposits, Treasury and Liquidity

Payables and ReceivablesOnline Information and Control Services

Cash Position ManagementCard Programs

Merchant ServicesChecking and Savings

Liquidity Investment Solutions

Financing and Capital Term Loans and Lines of Credit

Real Estate FinancingEquipment Leasing

Insurance Premium FinancingAsset Based LendingDebit capital raising*Equity capital raising*Tax-exempt financing*

Employee Benefit Solutions401(k) and Retirement Plans**

Workplace BankingHealth Savings Accounts

Gift Card ProgramsEquity-based Compensation Services

Personal Financial Solutions

Financial PlanningRetirement and Estate Planning

Investment Management**Wealth Management Banking Services

Employee Banking

Investment Banking AdvisoryBusiness Valuation Services

Mergers and AcquisitionsBusiness Transition Advisory

Global Trade SolutionsTrade Finance

Letters of Credit International Cash Management

Risk & Fraud ManagementFraud Protection Services

Currency Risk ManagementInterest Rate Risk ManagementEquity Concentration Hedging

6

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Integrated Delivery of Service and Solutions

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.

Receivables

Payables

Online Informationand Control

Liquidity/Cash Position Management

International

Relationship Management Team

Treasury & Payment Solutions Sales Teams

Implementations and Client Services Teams

Product Management, Risk Management and Operations Teams

Ideas & Solutions

Supp

ort &

Com

mun

icat

ions Specialized Expertise

Quality Execution

CLIENT

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How can we help you shine today?

AskListen

Execute

Own

How we do business

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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

Exceptional Service

Relevant Solutions

are built and maintained by focusing on our clients’ success

begins with listening to our clients and owning their service issues

are delivered by understanding the unique challenges each client faces

[insert_clientname]

Our Commitment to You

We pledge to listen to your unique requirements, understand your needs and deliver on your

expectation to the fullest.

Appendix

A. Company Overview

B. Treasury & Payment Solutions Introduction