1. Meet EDDY! The perfect desktop banking assistant for your business The perfect desktop banking assistant for your business

2. Who is EDDY?  State-of-the-art cash management system that is...  Easy to use...  Computer based...  Enables electronic deposits from your desktop by capturing...  Retaining and electronically sending all deposit and check information including endorsements  State-of-the-art cash management system that is...  Easy to use...  Computer based...  Enables electronic deposits from your desktop by capturing...  Retaining and electronically sending all deposit and check information including endorsements EDDY is your Desktop Banker! It’s a BankTennessee branch right inside your office.

3. EDDY Benefits With EDDY on your desk, you will:  Gain efficiencies  Improve controls  Have ease of use  Have additional security  Enhance profits  Gain efficiencies  Improve controls  Have ease of use  Have additional security  Enhance profits

4. Gain Efficiencies  EDDY eliminates the need for physical delivery of corporate deposits to the bank.  Large reduction in employee non-productive time. (Travel, waiting lines, etc.)  Multiple deposits allowed at your convenience 24/7.  Facilitates “single bank” relationship  EDDY eliminates the need for physical delivery of corporate deposits to the bank.  Large reduction in employee non-productive time. (Travel, waiting lines, etc.)  Multiple deposits allowed at your convenience 24/7.  Facilitates “single bank” relationship

5. Improve Controls  Permanent data capture of all deposit check and deposit information.  Reduction in deposit handling.  Customizable security authorization requirements.  Ease of research.  Permanent data capture of all deposit check and deposit information.  Reduction in deposit handling.  Customizable security authorization requirements.  Ease of research.

6. Ease of Use  Point and Click Deposits  Optical Character Recognition on deposits.  Self balancing  Immediate verification of receipt via email.  Point and Click Deposits  Optical Character Recognition on deposits.  Self balancing  Immediate verification of receipt via email.

7. Enhanced Security Your risk level is no higher than it is today.  Documents are secure as checks never leave your office. Reduction of loss potential by theft, error, etc.  Employees physical protection enhanced.  Send, restore, correct and re-send files with state-of-the-art security system safeguards in place. Your risk level is no higher than it is today.  Documents are secure as checks never leave your office. Reduction of loss potential by theft, error, etc.  Employees physical protection enhanced.  Send, restore, correct and re-send files with state-of-the-art security system safeguards in place.

8. Enhance Profits  No armored car or courier costs.  Reduced non-productive employee time.  Faster use of deposited funds.  No more missed deposit cutoffs.  Quicker availability resulting in better use of cash to reduce debt or invest.  No armored car or courier costs.  Reduced non-productive employee time.  Faster use of deposited funds.  No more missed deposit cutoffs.  Quicker availability resulting in better use of cash to reduce debt or invest.

9. Frequently Asked Questions Q Am I limited to the number of deposits that can be sent through EDDY? A There is no limit… deposit files can be transmitted to the bank anytime, day or night. A single deposit file can contain up to 250 items. QWho will warehouse the original items? AWe recommend you keep the original checks for a minimum of 14 days to safeguard your deposit has been processed correctly. You will want to store the original items in a secure file for the duration of the time you keep them. Q Am I limited to the number of deposits that can be sent through EDDY? A There is no limit… deposit files can be transmitted to the bank anytime, day or night. A single deposit file can contain up to 250 items. QWho will warehouse the original items? AWe recommend you keep the original checks for a minimum of 14 days to safeguard your deposit has been processed correctly. You will want to store the original items in a secure file for the duration of the time you keep them.

10. Frequently Asked Questions Q Is there a risk in presenting a substitute check? A With Check 21, substitute documents are fully acceptable for use in lieu of the original checks. Q Is there a risk in presenting a substitute check? A With Check 21, substitute documents are fully acceptable for use in lieu of the original checks.

11. EDDY Requirements All you need...  Minimum computer system requirements: PC with Windows 2000 Professional or Windows XP Professional, 1.3 GHz - 2 GHz Pentium 4, 1 GB RAM, 1 GB storage, CD-ROM, display supporting 1024x768 resolution, a serial or U, 32-bit operating system only (64-bit operating system is not supported at this time).  Check scanner and EDDY software provided by BankTennessee  Provisions to safeguard and/or destroy the original checks  Corporate checking account with BankTennessee All you need...  Minimum computer system requirements: PC with Windows 2000 Professional or Windows XP Professional, 1.3 GHz - 2 GHz Pentium 4, 1 GB RAM, 1 GB storage, CD-ROM, display supporting 1024x768 resolution, a serial or U, 32-bit operating system only (64-bit operating system is not supported at this time).  Check scanner and EDDY software provided by BankTennessee  Provisions to safeguard and/or destroy the original checks  Corporate checking account with BankTennessee

12. BankTennessee & EDDY make banking easy!  Gain efficiencies  Improve controls  Have ease of use  Have additional security  Enhance profits  Gain efficiencies  Improve controls  Have ease of use  Have additional security  Enhance profits Start saving time and money now, put EDDY on your desk today! Start saving time and money now, put EDDY on your desk today!