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MERCHANT PROCESSING IS THE 'BEATING HEART OF BANKING'

PAYMENTS PROCESSING

"Payments and payment systems are important to banks because they are the 'lifeblood' of the customer relationship. In some markets, payments may be priced as a loss leader, underpinning a customer relationship, which allows cross-selling of other products and services. When so many other sources of revenue are uncertain or reducing, banks are welcoming the continued flow of steady income provided from payments." The Beating Heart of Banking - KPMG"When you outsource, your control is weakened. Someone else, or multiple third parties, will be optimizing their own bottom line - not yours . . . to treat your customers as you want them treated and to prosper, you need to know which operations and functions are key, and you have to own and deploy the skills to assure that these are good, better and even best in class." Andrew Kahr, American Banker"The move toward electronic based payments will continue unabated and will constitute 68% of consumer payments by dollar volume in 2012 and almost 75% in 2017." Bob Landry, VP Banking Group Advisory ServicesWhile many banks have sold or outsourced merchant acquiring over the years, there are growing incentives for banks to get back into the business. "Banks are starting to realize that they need to turn their branches into sales channels," said consultant Linda Mahy. "Many small business customers of banks are also high net-worth individuals, so it's appropriate that banks offer these individuals a gamut of services, including payments." The Greensheet"Historically banks target small business with lending, yet 60% of these businesses never borrow at all." BAI

RECOGNITION

TESTIMONIALS

"In the mid 1990's our Bank was struggling with a merchant processor endorsed by a National Banking Group. We were thirsting to learn more about the merchant business. Calls and letters to our provider went unheeded. We were a small bank with a small portfolio. Then one day two gentlemen, Paul England and Jerry McKamey stopped by to introduce themselves and their firm. Within ninety minutes I learned more about the opportunities and risks of the merchant service's business than I had in years working with the other firm. This visit, and our subsequent relationship and activity with these folks, changed the strategic direction of our Company and placed us at the forefront of a major segment of the financial industry."Leton L. Harding, Jr., EVPThe First Bank & Trust Co."Finally a partner that provides a program that brings real value to our clients and our financial institution. Elmhurst's electronic payment solutions allow our financial institution to control our client relationships. Through the merchant program, we have grown deposits while generating income many times greater than our direct expense. Additionally, by leading with Electronic Payments we have successfully attracted new merchant's clients and deposits while reducing attrition to our traditional banking services. Imagine a deposit product that generates revenue! Elmhurst's BankMax portfolio model focuses on the value of the total merchant relationship. A major component of our success is Elmhurst's commitment to quality service, reliable guidance, and always being there each and every time we need them"Richard E. Herrington, CEOFranklin Synergy Bank "Our merchant services division is one of the areas of our bank which continues to grow at a significant rate and is a major contributor to the growth and retention of our commercial (DDA) accounts. We have also experienced a significant increase in our fee income since the switch to Elmhurst Financial. Working with your management team, I am appreciative of your professionalism, industry knowledge, and devoted interest to our success, and of your staff's hard work and dedication to service. The training program and systems you provide enables our Bank to run a very efficient and high-quality department." Lynn Peoples, VPNorthwestern Bank

NEW PRODUCTS

Elmhurst has chosen to partner with ROAM DATA, giving Banks a Mobile Processing solution with support for hundreds of smart phones and pad computers.Elmhurst is now offering Verifone's PAYware PC, a powerful software solution supporting all payment types and signature capture on Windows computers.Design Gift Cards online using our free and easy-to-use creation tool. Choose your design, upload your own logo, add your own text, and see a real time proof.

Overview

PAYMENTS PROCESSING
RECOGNITION
NEW PRODUCTS

COMPANY

MERCHANT PROCESSING = DEPOSITS

Title 1

About Us

Elmhurst Financial Services, LLC takes a targeted approach to the payments industry. Unique to virtually all of our competitors, the Elmhurst Financial business model focuses on the core value of this industry, which we believe is in the development and protection of banking relationships.The current market conditions are challenging financial institutions to find new sources of fee income while also fulfilling the great demand for low cost deposits. Of equal importance is the retention of existing business customers.It is Elmhurst Financial's view that merchant processing is the modern weapon in the war for deposit relationships, and we have been proven successful in effecting a culture shift in the minds of many banks across the nation.

Title 2

Elmhurst Financial management has worked as a team for over 15 years, with over 130 years total experience in the electronic payments processing and banking industry.Elmhurst Financial manages approximately 1500 banking locations nationwide; Elmhurst Financial's partners gain access to the largest front and back end processors in the world.Elmhurst Financial is a member of the First Data President's Club, recognizing firms with outstanding sales acheivement for 2010. In addition, Elmhurst Financial was ranked in the top 5% of all corporations evaluated by 9G Enterprises.
WHY DO BANKS CHOOSE ELMHURST?OUR PARTNER BANKS ARE AMONG THE MOST PROFITABLE IN THE NATION.WE ARE INVESTED IN THE BANKING BUSINESS. ALL OF OUR CLIENTS ARE BANKS.WE SET THE INDUSTRY BENCHMARK FOR BANK SERVICE AND SUPPORT. ELMHURST'S ONE-ON-ONE BANK TRAINING SEMINAR IS THE MOST COMPREHENSIVE IN THE INDUSTRY.CORPORATE INTEGRITY AND PROVEN PERFORMANCE.

EXTENSIVE TRAINING + COMPETITIVE PRICING + OUTSTANDING SERVICE

PROGRAMS

BEFORE ANYTHING ELSE, PREPARATION IS THE KEY TO SUCCESS - ALEXANDER GRAHAM BELL

The majority of today's business transactions take place in the electronic payments environment. For that very reason, merchant processing is a vital product for your business owners.

At Elmhurst Financial , we ensure that your financial institution is an industry leader in the payments arena. As a full service payments provider, we handle your clients' transactions from the point-of-sale to clearing and funding. Our platform supports an array of robust payment solutions to meet the needs of virtually all of your business owners.

Our programs feature options that allow your institution to avoid risk, or participate in more traditional agent bank solutions. Our programs are tailored specifically to your bank - featuring customized branding, training, and support that is unrivaled in the industry.

BANK RETAINS 100% OF INCOME OVER PROCESSING FEES NON-LIABILITY OR TRADITIONAL AGENT PROGRAMS 2 -DAY INDUSTRY TRAINING AT ELMHURST CORPORATE OFFICE BANK RETAINS CONTROL OVER PROGRAM AND RELATIONSHIPS CUSTOMIZED BANK BRANDING AND REPORTING SALES LEADS, SUPPORT, AND ANALYSIS PROVIDED BY ELMHURST 24 / 7 / 365 CLIENT SUPPORT

BANKMAX

ACTION IS THE FOUNDATIONAL KEY TO ALL SUCCESS - PABLO PICASSO

GENERATE RECURRING FEE INCOME

ACQUIRE AND SECURE DEPOSITS

ATTRACT NEW BUSINESS RELATIONSHIPS

ENHANCE PRODUCTIVITY THROUGH TECHNOLOGY

At Elmhurst Financial Services , our success is defined by the results of our partner financial institutions. In addition to enhancing the overall banking relationship, our products and services are increasingly in demand by your business customers - and more importantly, your competition. For that reason, we developed the B ANK M AX growth program .

Our partner financial institutions are not only taking ownership of the payments industry - they are thriving. Elmhurst Financial's B ANK M AX growth program directs banks throughout the entire sales process from training, to identifying prospects, to pricing, to closing the deal.

OUR PROVEN PROGRAM GROWS DEPOSITS AND INCREASES FEE INCOME.

Elmhurst Financial is a true partner invested in the success of your financial institution.

SERVICES

CREDIT CARD PROCESSING

Elmhurst Financial Services provides Merchant Credit Card processing services through the most elite payment companies in the industry. Our systems provide support for the widest range of desktop terminals, software, and e-commerce companies.

DEBIT CARD PROCESSING AND EBT

Fully integrated pin-based debit card transactions are supported at the point of sale. Government assistance (Food Stamp) transactions via Electronic Benefit Transfer are also supported.

REMOTE DEPOSIT AND CHECK PROCESSING

Elmhurst Financial offers both web-based electronic remote deposit and merchant point-of-sale check conversion. Checks can be imaged and deposited to your financial institution electronically using advanced multi-check grayscale imaging units or converted to ACH at the merchant's point of sale, eliminating the need to deposit the paper item.

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PREPAID / GIFT CARDS

Elmhurst Financial provides a fully featured and integrated Merchant Gift Card program for both card present and online purchases. Our offering includes starter and custom program options to meet every need or budget.

SECURE VAULT PAYMENTS

Secure Vault Payments is the only payment option that operates on existing financial institution platforms, provides billers and merchants with real time payment authorization and guaranteed payments for ACH transactions and offers consumers an online payment choice without sharing any personal account information.

FUEL CARD PROCESSING

Processing services are available for the most popular Fleet cards and a wide assortment of fuel cards such as Voyager, Wright Express, Fleetcor, Fleet One, and the Visa and MasterCard Fleet Cards.

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SECURE PAYMENT PROCESSING ONLINE

Our online processing solutions feature industry-standard security compliance and support for Verified by Visa and MasterCard SecureCode, as well as access to alternative payment methods widely used in the online world.

PCI COMPLIANCE

Our turn-key PCI compliance program provides your merchants with online questionnaires and security scans to ensure that your portfolio is compliant with industry standards.

MOBILE AND WIRELESS POINT-OF-SALE

We offer an array of Smart Phone and Wireless point of sale processing solutions to your financial institution. Our products ensure that your merchants can accept payments anytime, anywhere.

CONTACT

5203 Maryland Way - Suite 210

Brentwood, TN 37027

615.376.7878 (tel)

866.373.7878 (tel)

615.376.2345 (fax)

sales_elmhurstfi.com

www.elmhurstfinancialservices.com

OFFICERS

Paul D. England - Chairman and Chief Executive Officer

Jerry McKamey - Vice-Chairman and President

Jennifer L. Russell - Chief Operating Officer

Tim McDonald - Chief Technology Officer

Kathryn Cox - Executive Vice President

John G. Dodd - Senior Vice President

Matt Moore - Senior Vice President

Steven Lambert - Vice President