2. Mobile and Remote Capture Ameriana Bank – Established in 1890 – Asset Size 443M – 12 Banking Centers – 150 Associates

3. Deposit Options Remote Deposit Capture (RDC) – May 2007 44 Customers Average of 8,000 items per month Deposits Range from 10 -15 million – Types of Scanners Multi Feed – Panini My Vision X Single Feed – Panini I:Deal Mobile Deposit Capture – September 2011 Average of 100 deposits Deposits Range from 20-30 thousand High Month of 404 deposits High Month Deposit $87,000.00 – Types of Devices Any Smart Phone/Device – Integrated into our mobile app

4. Important Factors to Consider Risk – Risk Assessment is necessary Risk Committee Customer Agreement – Very Detailed Liability Responsibility – RDC – Reviewed one on one with the customer by our Cash Management Officer. – Mobile Deposit electronic acceptance. Policy/Procedures – Have all of this documented before you begin. This will minimize internal questions and concerns.

5. The Ameriana Way Processing – Back Office – Imaging Area – Limits Amount (daily and one time) – Cutoff Times RDC - Three cutoff times per day Mobile – Two cutoff times per day Integration (Image Centre) – RDC is an Image Centre product – Mobile Deposit Capture Bankserv created and x9 file that we import into Image Centre. She tricked us!! Said she was going to take us to Florida  Really? I MISS YOU MICKEY

6. THANK YOU Stacy Darling stacy.darling@ameriana.com 765-521-7538