1. Remote Deposit Next

2. What is Remote Deposit? Remote Deposit is a cash management product that will allow you to endorse, scan and electronically transmit check deposits from your office directly to your account with First Farmers & Merchants Bank. Next

3. Remote Deposit - How it helps… Saves travel time and cost Possibly reduces insurance/legal cost Advantage of a later daily cut-off time for deposits Spots insufficient checks faster Allows for consolidation of bank accounts Next

4. Remote Deposit – How it works… 1. Open the program for scanning 2. Total your batch of checks 3. Enter the total 4. Pick the appropriate account number (if more than one) 5. Scan each check 6. Once scanning is finished, the system will notify you if you are out of balance and alert you to the error. 7. Transmit batch 8. Auto print-out of deposit 9. Auto email to second party for dual control on account activity Next

5. Remote Deposits - Requirements Client PC running Windows 2000 Professional or higher 1.3 GHz Pentium 4 512 MB RAM 1 GB of storage for every 10,000 items to store CD-ROM 1 USB Port (Version 2.0 for optimum scanner performance) NIC or Modem with Internet connectivity Printer (optional) Display supporting 1024x768 resolution Keyboard and mouse Next

6. Remote Deposit Software and Hardware Client Capture Software Scanner – UEC7000 Single Feed Scanner or – Unisys My Vision X30 Next

7. UEC 7000 Single Feed Scanner Manual Batch limit of 250 items, single feed Lease $65 per month, includes Remote Deposit service Purchase $695, Remote Deposit service $40 monthly Next

8. Unisys My Vision X30 Transporter Automatic Batch limit of 250, auto- feeds up to 100 checks at one time Lease $90 per month, includes Remote Deposit service Purchase $1495, Remote Deposit service $40 monthly Next

9. Remote Deposit – Questions? Q: “Am I limited to the number of deposits that can be sent through Remote Deposit?” A: “There is no limit and deposit files can be transmitted to the bank anytime, day or night.” Q: “Who will warehouse the original items?” A: “You need to keep the original document for at least 120 days and then destroy properly.” Q: “Will I have technical support?” A: “Yes, First Farmers & Merchants Bank will assist you as well as software tech support.” Next

10. Remote Deposit – Other information Contact First Farmers & Merchants Bank, Commercial Banking Department or Felicia Brown for more information. commercialbanking@myfirstfarmers.com FF&MB 816 South Garden ST Columbia, TN 38401 1.800.882.8378 End