1. Flushing Bank New Account Opening – Miser BA Flushing Bank opened in 1929 17 Branches 4.3 Billion in Assets Miser Core – Service Bureau since 1997 Miser Branch Automation – Implemented Q4 2011 3 Associations on Miser NYS Chartered Commercial Bank as of 2/28/13

2. Flushing Bank has been named one of America’s Most Trustworthy Companies by Forbes Magazine. We are 1 of 100 companies to receive this recognition. We are one of only 16 banks to be named to the list. Recognition

3. Flushing Bank New Account Opening – Miser BA Accounts Opened in Session ID Scanned into BA Complete a customer profile sheet (not in BA) ChexSytem is checked online Implementing Qualifile on BA ZIP + 4 feature is used in BA New Account Documents are scanned to cold storage

4. Profile Sheet

5. Customer is searched Existing Customers Check for scanned ID Validate RCIF information New Customers Scan ID to Start session Start of Session

6. Start Scan in BA

7. Scanning in BA

10. ScanShell® 800R Specification Image sensor:Color Contact Image Sensor (CIS) Interface: USB 2.0 (High Speed) Scan area: A6, Maximum 4.2" x 7.0" (107mm x 178mm) Scanner Dimensions (LxWxH): 185mm x 52mm x 40mm Scanning modes: Internal 36bit, outputs 24bit true color,8bit gray scale, 1bit black & white. Scan speed (100dpi): 7.5ms/line color, 2.5ms/line Gray and Black & White. Scanner Weight: 210g (7.4 ounce) ID Scanners

11. Designated drive must be mapped Scanners are a little sensitive Move them slightly and they need to be recalibrated Sometimes requires multiple attempt to get the image Does not scan passports ID Scanners

12. All New Account Documents are Scanned into cold storage (Synergy) Scanning is done by branches Scanned Documents are verified back office Documents

13. Document Scanner

14. Personal Personal Signature Card Customer Profile Business Business Signature Card Non-Personal Know your Customer Resolution of Authority Multiple NY State docs(filing etc) Documents Scanned

15. Ensure proper postal abbreviations Helps to clean up RCIF address errors Zip + 4

18. THANK YOU Joan Roche jroche@flushingbank.com 718.512.2825