Solutions to Help You Capitalize on Opportunity Now

1. Solutions to Help You Capitalize on Opportunity Now How Treasury & Payment Solutions can help your business shine February 2013

2. Agenda • Benefits to your business • Targeted Solutions • Your Company team and our approach Appendix • Company Overview • Treasury & Payment Solutions Introduction Disclosure Appendix These materials may not be used or relied upon for any purpose other than as specifically contemplated by written agreement with Company

3. Benefits to your business • more money – more time– more control

4. 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

5. 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?

6. 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

7. Targeted Solutions • transparency ● predictability ● consistency

8. The best solution is the one designed for your business • 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 – 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 International Solutions Card Solutions Liquidity & Cash Position Management Online Information and Control Payables Receivables

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

10. Payables Solutions 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.

11. Online Information and Control Solutions Streamline access to banking transactions and financial information needed to make critical business decisions through our online services.

12. Liquidity / Cash Position Management Solutions Maximize the use of funds on a daily basis through products that can automate the movement of funds and monitor account activity.

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

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

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

16. Your Company team and our approach • relationship starts with the right team

17. 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.

18. 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. Deposits, Treasury and Liquidity Payables and Receivables Online Information and Control Services Cash Position Management Card Programs Merchant Services Checking and Savings Liquidity Investment Solutions Employee Benefit Solutions 401(k) and Retirement Plans** Workplace Banking Health Savings Accounts Gift Card Programs Equity-based Compensation Services Personal Financial Solutions Financial Planning Retirement and Estate Planning Investment Management** Wealth Management Banking Services Employee Banking Risk & Fraud Management Fraud Protection Services Currency Risk Management Interest Rate Risk Management Equity Concentration Hedging Financing and Capital Term Loans and Lines of Credit Real Estate Financing Equipment Leasing Insurance Premium Financing Asset Based Lending Debit capital raising* Equity capital raising* Tax-exempt financing* Investment Banking Advisory Business Valuation Services Mergers and Acquisitions Business Transition Advisory Global Trade Solutions Trade Finance Letters of Credit International Cash Management *Offered by Company Robinson Humphrey, Inc. ** Offered by Company Investment Services, Inc. 6

19. 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 CLIENT Specialized Expertise Support & Communications Quality Execution

20. How we do business Ask Listen Own Execute How can we help you shine today?

21. 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

22. Our Commitment to You We pledge to listen to your unique requirements, understand your needs and deliver on your expectation to the fullest.

23. Appendix Company Overview Treasury & Payment Solutions Introduction