Treasury Management Overview

2005 Amegy Bank N.A. Member FDIC.

Core Values Take time to listen Do the right thing integrity always Know that everyone counts Generate common sense solutions Get results!

2005 Amegy Bank N.A. Member FDIC.

Treasury Management Services

Improve your receivable collection processes Increase control and management of your disbursements Enhance your level of timely and comprehensive information controls Maximize your liquidity management Reduce the potential for fraud and possible monetary losses to your company Provide the most advanced information technology tools available

2005 Amegy Bank N.A. Member FDIC.

Receivables Management
Wholesale Lockbox

Current day detail reporting Imaged remittance documents Invoice capture detail

2005 Amegy Bank N.A. Member FDIC.

Receivables Management
Retail Lockbox

Same day data transmissions Imaging available of check, coupon or both Searchable CD-ROM archive of processed detail

2005 Amegy Bank N.A. Member FDIC.

Lockbox Web Delivery

2005 Amegy Bank N.A. Member FDIC.

Lockbox Web Delivery

Checks & Supporting Documents

Sample Company Street Name City, ST zip

View remittance deposit amounts quickly and easily Look at the supporting documentation/coupons with accompanying checks to post to your internal systems. Provide value added service to your customers with this quick research tool.

ABC Company

John Doe

SAMPLE DEMO COMPANY SAMPLE Z COMPANY 456 COMPANY XYZ COMPANY

2005 Amegy Bank N.A. Member FDIC.

Lockbox Image Delivery

ABC Company

Jane Doe 123 Main Street City, USA 12345

ABC Company

2005 Amegy Bank N.A. Member FDIC.

File Transmission Options

CHOOSING THE OPTION THAT IS BEST FOR YOU

Modem

How do you want to transmit your file?

Internet

Who will be transmitting the file?

How would you like to transmit?

User - PC to PC

Mainframe / Unix / AS400 Browser Scripted Transfer

Async
recommends encryption of your file during transmission

Bisync
recommends encryption of your file during transmission

NetST@Rsm File Transfer

FTP

2005 Amegy Bank N.A. Member FDIC.

Browser-based transmissions are secured with 128-bit encryption

recommends encryption of your file during transmission

Lockbox Reporting

2005 Amegy Bank N.A. Member FDIC.

eBusiness Solutions Standard Online Payment Product

INTRODUCTION

Amegy Bank has emerged as a premier technology leader within the banking industry and has differentiated itself by providing unique services that help our customers grow their businesses.
Secure Network Infrastructure Custom, Managed Solution For Your Online Needs Incorporate Your Online Products Incorporate Ecommerce

2005 Amegy Bank N.A. Member FDIC.

eBusiness Solutions Standard Online Payment Product Our Payment Gateway ensures:
Payment authorization and settlement for electronic checks and credit cards in a Secure Sockets Layer (SSL) environment Various payment templates to select from Customizable fields to pull specific customer data Customizable e-mail replies to your customers Custom or standard data transmission Easy integration into existing site or storefront Payment search module to expedite resolution of your customer inquiries Option of Bank-Hosted or Client Software-Based Payment Model Enhanced Electronic presence online

2005 Amegy Bank N.A. Member FDIC.

eBusiness Solutions - Standard Online Payment Product

Sample web pages

http://www.amegybank.com/contact sopp amegybank@dougsuniverse.com Privacy Policy Payment engine provided by Amegy Bank eBusiness Solutions Copyright 2005 Amegy Bank N.A.

2005 Amegy Bank N.A. Member FDIC.

http://www.amegybank.com/contact sopp amegybank@dougsuniverse.com Privacy Policy Payment engine provided by Amegy Bank eBusiness Solutions Copyright 2005 Amegy Bank N.A.

eBusiness Solutions - Standard Online Payment Product

http://www.amegybank.com/contact sopp amegybank@dougsuniverse.com Privacy Policy Payment engine provided by Amegy Bank eBusiness Solutions Copyright 2005 Amegy Bank N.A.

2005 Amegy Bank N.A. Member FDIC.

eBusiness Solutions - Standard Online Payment Product

Thank you for using the Amegy Bank Electronic Check payment method. Your transaction will be processed in 5 7 business days. You may wish to print this page for your records.

Amegy Bank N.A.

http://www.amegybank.com/contact sopp amegybank@dougsuniverse.com Privacy Policy Payment engine provided by Amegy Bank eBusiness Solutions Copyright 2005 Amegy Bank N.A.

2005 Amegy Bank N.A. Member FDIC.

http://www.amegybank.com/contact sopp amegybank@dougsuniverse.com Privacy Policy Payment engine provided by Amegy Bank eBusiness Solutions Copyright 2005 Amegy Bank N.A.

Receivables Management
ACH Debit

Cash Concentration Direct Debit

2005 Amegy Bank N.A. Member FDIC.

CD ROM Check Imaging

Page 1 123456 ABC Company Medical Center 123 Main Street City, USA 12345

Software and upgrades distributed on the CD-ROM containing the statement Multiple accounts may be placed on one CD-ROM

Were offering Great Rates on our Home Improvement Loans. Stop by today or visit us at www.amegybank.com and get the results youve been looking for.

ABC Company

123456

2005 Amegy Bank N.A. Member FDIC.

CD ROM Check Imaging

John Doe 123 Street City, USA 12345

For :

John Doe

|:123456789|: 00123456789|
12377 12345 12345 12345 12345 12345 12345 12345 12345 12345 12345 12345

Eliminates the need to sort, organize and store checks Provides faster access to check information Print front and/or back; print range of images

2005 Amegy Bank N.A. Member FDIC.

Disbursement Management Controlled Disbursement

Porter Hemphill Honey Grove

Account Reconciliation
Full ARP Partial ARP Deposit reconciliation Direct transmission of paid item files Statement and check imaging on CD-ROM

2005 Amegy Bank N.A. Member FDIC.

Disbursement Management
ACH

Easy to complete transaction forms Wide variety of payment types including EDI 820 Allows import of transaction detail from other applications

2005 Amegy Bank N.A. Member FDIC.

Disbursement Management
Positive Pay Advantage

A Relationship Saver 90 Day History of Paid Check Images e-Mail Notification when Items are Ready for Review Dynamic Reports Export Data to a comma delimited file (CSV) for further Customization Manage your Business with our Administration Module

2005 Amegy Bank N.A. Member FDIC.

Disbursement Management
Positive Pay Advantage

Access exceptions online View images of paid items front and back Create reports

2005 Amegy Bank N.A. Member FDIC.

Dynamic Reports

5555555 Test Account

2005 Amegy Bank N.A. Member FDIC.

ACH Blocking
Benefits and Features

Minimizes risk of unauthorized ACH transactions Reports may be generated for Authorized and Unauthorized transactions Provides control in managing authorized ACH transaction activity Assists in the protection of fraudulent ACH transactions

2005 Amegy Bank N.A. Member FDIC.

ACH Blocking

Report displays unauthorized transactions for your review or approval

Amegy Bank Amegy Total Account Reporting

Amegy Bank

2005 Amegy Bank N.A. Member FDIC.

Accurate Account Access

NetST@R Balance Reporting Convenient Internet Access Previous and Current Day Summary and Detail 60 Days of Previous Day Transaction History Images of transaction items Friendly Online Forms Stop Payments Check Research Check/Deposit Slip Orders Lockbox Reports ACH Return Item Report EDI Report Controlled Disbursement Totals and Detail
sm

2005 Amegy Bank N.A. Member FDIC.

Accurate Account Access

Information Reporting

333333
ABC

7777777
ABC PR

444444
ABC Oper

Previous day and Current day summary and detail Images of transactions View by account or relationship

ABC INC

333333
ABC DT

Export detail or print reports

2005 Amegy Bank N.A. Member FDIC.

Accurate Account Access

e-statements

ABC Company

Delivered via e-mail Encrypted Password protected

ABC Company

2005 Amegy Bank N.A. Member FDIC.

Maximization Of Balances
Automated Opportunities
Eurodollar Sweep* Automated Repurchase Agreements Money Fund Sweeps* *

* Eurodollar deposits are offered through Amegy Bank N.A. (the Bank), pursuant to an exemption under Cayman Islands law which requires the Bank to give notice that it is not subject to regulation by the Cayman Islands Monetary Authority. Eurodollar deposits may be subject to additional restrictions with respect to liquidity. A Eurodollar Sweep account requires a $100,000 minimum daily investment balance. **Amegy Bank N.A. acts as agent when distributing a Money Market Mutual Fund used in connection with its Money Fund Sweeps. Although Money Market Mutual Funds seek to maintain a stable net asset value (NAV) of $1.00 per share, there can be no assurance that they will achieve their goals. Investment products and services available at select Amegy Bank locations are not insured by the FDIC or any other governmental agency. They are not deposits or other obligations of or guaranteed by Amegy Bank and are subject to investment risks, including the possible loss of principal amount invested.
2005 Amegy Bank N.A. Member FDIC.

Vault Services
Vault facility locally managed and operated at our Operations Center, downtown Houston, (1801 Main). Accurate and timely processing of coin & currency orders/deposits for small to large volume customers. 24 hour acceptance of Change Orders made easy- via File Transfer or Voice Response Unit (touchtone phone). Security Features and tight policies/procedures ensure our clients money is handled with the highest level of safety and integrity. Depository Services - 81 branches currently available, 5 of which are located in the Dallas Metroplex.
2005 Amegy Bank N.A. Member FDIC.

Value Added Services Merchant Services Corporate Credit Cards Purchasing Cards Payroll Cards Data Integration EDI Translation Outsourced Payables Web Design and Integration

2005 Amegy Bank N.A. Member FDIC.

The A Bank!

2005 Amegy Bank N.A. Member FDIC.

Revision Date: 03/18/05