Jack Henry & Associates Profile US Community and Mid Tier Banks Core Processing Systems Integrated Complementary Products In-House or Outsourced Services US & International Financial Institutions Corporate Entities Bankers’ Banks Correspondent Banking Excellent Training & Support 85 + Best of Breed Solutions, including: Financial Performance Retail Delivery Imaging & Payments Processing Information Security & Risk Mgmt Online & Mobile Since 1976, Jack Henry & Associates has been a leading provider of core system solutions to financial institutions. The company has been public since 1985 and today is a $1B company with a fortress balance sheet and an industry leader in customer service. JH Banking provides core systems to Banks, while Symitar provides core systems to Credit Unions. ProfitStars, the 3rd division of JHA, is a culmination of 19 JHA acquisitions of best of breed solutions that help FIs operate more efficiently and profitably. We have over 14,000 clients on 5 continents, work with 56 of the top 10 banks, 57 of the top 100 credit unions, have at least one solution installed in each of the top 20 banks and today we offer over 70 state-of-the-art technology solutions that fall into 1 of 4 categories: retail delivery, network performance, imaging/payments and financial performance. Within the financial performance category, are our Commercial Lending Solutions that help community banks generate recurring fee income, grow core deposits and increase net interest income STOP clicking slides at this point. Question Challenge something from the Bank’s Call report that shows them you know their numbers and they need some help fixing. Then, use bank data sheet to ask questions of the bank that you may have already discussed in a first meeting so all the new participants know what the bank’s pains are. Once the dialogue is finished and you know their goals: Thank you (name of banker) for sharing that information about your bank, it provides context for our meeting. Regarding your goals, every bank that is using BM strategically had the same goals & objectives and for these banks BM has or is becoming a major piece of their puzzle helping them achieve their goals. Let me share 3 sources that validate BM’s income impact. Each year our Risk Managers perform portfolio reviews to measure the performance of BM portfolios. (RECITE CORRECT FIGURES FROM KEN SUMMAR’S “SIGNIFICANCT REPORT PEER GROUP”). For BM banks from $200-500MM in assets, the BM portfolios on average consists of 8 businesses, equals .48% of assets, produces an ROA of 10.30% yet represents 8.48% of the bank’s annualized income. During our recent 12/13/11 webcast, David Kapavik-CEO of Lone Star Bank stated the BM income at his bank equals 20% of the bank’s total ROA. And more close to home, you may recall Oak Hill Bank. Before being acquired by Westbanco, BM was part of their major piece of their strategic plan. Oak Hill Bank was purchasing $10-11MM of A/R per month, had a $11MM average monthly balance with an average A/R Turn of 31 days and was earning a net yield of 10.5%. The bank WAS EARNING $1.2MM PER YEAR! So, after our meeting today, we certainly hope you do your due diligence, because I firmly believe that the more you do the more you will like about the BM program. Once you complete the due diligence, we also hope you will allow us to partner with you so together we can build the BM program so your bank can realize the same type of income impact. Publicly Held Corporation & Traded on NASDAQ “JKHY”

ICBA Preferred Service Provider ICBA Preferred Service Providers (PSPs) are among a select group of service providers to the community banking industry that have earned the ICBA "Stamp of Approval." Preferred Service Provider selection criteria includes financial strength, commitment to the community bank market, reference checks with existing community bank customers, and national distribution capabilities. In addition, ICBA Preferred Service Providers offer unique benefits (discounts) to ICBA member community banks. Remote Deposit From simple, easy to use to very robust solutions. Website Hosting & Security Solutions Compliant and secure. Asset Based Lending/Accounts Receivable Financing Develop new business while effectively managing business growth risks. Alternative Lending Alternative financing For underperforming and unbankable business Clients Remittance Check and coupon depositing with accounting integration. ©2011 Jack Henry & Associates, Inc. All Rights Reserved.