BUSINESS BANKING

Treasury Management

Cash Management is a robust, flexible online finance management solution for businesses. With Cash Management, you can monitor, manage and maximize your company's financial strategy with surprising ease. All your company need s to put this powerful tool to work for your business is a commercial checking account. More information not included in this brochure, please contact your First American representative.

CASH MANAGEMENT BENEFITS:

• Added Convenience - Track, manage and balance account limits from a single location.
• Improved Forecasting - Up-to-the-minute balance alerts, book transfer notifications and transaction processing notifications help forecast and plan.
• Greater Flexibility and Security - Multi-user permissions settings provided added security.
• Enhance Efficiency - Manage multiple business needs from one online location.

FEATURES:

User Administration

• Manage end-user's functions (access to accounts and services, transaction limits and transaction approval capability)

Account Reconciliation and Positive Pay

• Upload/input issues register (to be downloaded to First American Bank)
• Change/delete issue register
• Submit exception decisions to First American Bank
• Download and print exception decisions

Image Services

• Entire check image available in Account Detail
• View, print and save front and back of check images

Funds Transfers

• Wire Transfer
  • Originate domestic wire transfers
  • Set daily maximum limits (per day) and per transaction amount limits
  • Increased security through use of dual approval routing
  • Originate templates or free-form (one time) and batch wires
  • Submit Investigation Request(s) for wires already processed
• ACH Origination
  • Payroll, vendor, collections and cash concentration ACH transaction types
  • Addenda Information
  • Transaction and daily limits
  • Increased security through use of dual approval routing
• Sweeps
  • Keep business accounts at a pre-determined target balance level
  • Designate "From" account to automatically transfer the funds into and/or out of
  • System reviews on a regular basis to see if balance condition is met
• Recurring Book Transfers
  • Schedule book transfers as recurring or one-time
  • First American Bank determines which accounts are available for book transfer debits, credits and overdrafts to accommodate zero balance accounts

Reporting

• Real-Time and Summary - Customers can receive real-time detail and summary reports on all accounts held at First American Bank including loan and DDA. Other reports include ad hoc statements and general summaries.
• Custom Reports - Each user has the ability to define reporting parameters at any interval. This includes transaction filtering including debit, credit and ACH debits/credits
• Export - Quicken, QuickBooks, Microsoft Money, HTML, and comma-delimited
• Balance Alerts - Communication for balance alerts and pre-defined balance conditions.
• Stop Payments - Submit real-time Stop Pay requests then receive status updates automatically.

Business Services

• Check reorders
• Account research
• Photocopy requests
• Change order forms