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Checking & Operating Accounts Cass Business Checking Cass Business Interest Checking Cass Small Business Checking Investment & Savings Accounts Cass Money Market Cass Prevail Savings Cass Certificates of Deposit Credit Services Cass Line of Credit Commercial Credit Card Commercial Equipment Financing Construction Loan Industrial Revenue Bond Financing Installment Loan Letter of Credit Mortgage Loan International Banking Services Collections Foreign draft Wire Transfer		International Banking Services Cass ACH Origination Cass Account Line Cass Automatic Investment Account Cass Bank-By-Mail Cass Book Transfers Cass Cash Concentration Cass CD Image Cass Controlled Disbursement Cass Daily Sweep Cass Freightpay® Cass Information Reporting Cass Internet Banking Cass Merchant Card Services Cass Positive Account Reconciliation Cass Wholesale Lockbox Cass Wire Transfer Federal Tax Payments Payroll Services Quick Drop Deposit Service Zero Balance Account


Checking & Operating Accounts CASS BUSINESS CHECKING – Providing your company with a safe, convenient and flexible method of collecting and disbursing funds using a non-interest bearing demand deposit account. Can be opened with just $100 Insured by the Federal Deposit Insurance Corporation (FDIC) up to $100,000 Account information including available 24 hours a day, seven days a week via the Internet or the Cass Account Line Numerous deposit options including postage-paid Cass Bank-By-Mail service, a Quick Drop Service with daily pick-ups in the St. Louis metro area and a remittance processing service, making banking convenient and economical Check images available on compact disk Positive Account Reconciliation (PAR) service automates account reconciliation and minimizes fraudulent activity Monthly service fee and activity charges can be covered by balances maintained in the account or deducted from the account each month Easy-to-use monthly statement is mailed to you by the 3rd business day after month-end Monthly statement lists paid checks in numerical order, simplifying account reconciliation Funds generally available for withdrawal in two business days CASS BUSINESS INTEREST CHECKING – Providing your not-for-profit company or sole proprietorship with a safe, convenient and flexible method of collecting and disbursing funds while earning interest. Can be opened with just $100 Insured by the Federal Deposit Insurance Corporation (FDIC) up to $100,000 Account information including available 24 hours a day, seven days a week via the Internet or the Cass Account Line Numerous deposit options including postage-paid Cass Bank-By-Mail service, a Quick Drop Service with daily pick-ups in the St. Louis metro area and a remittance processing service, making banking convenient and economical Check images available on compact disk Positive Account Reconciliation (PAR) service automates account reconciliation and minimizes fraudulent activity Monthly service fee and activity charges can be covered by balances maintained in the account or deducted from the account each month Easy-to-use monthly statement is mailed to you by the 3rd business day after month-end Monthly statement lists paid checks in numerical order, simplifying account reconciliation Funds generally available for withdrawal in two business days Account holder must be a not - for - profit concern or sole proprietorship CASS SMALL BUSINESS CHECKING – Providing your small business with a safe, economical and flexible method of collecting and disbursing funds using a non-interest bearing demand deposit account. Can be opened with just $100 No monthly service charge if an average balance of $5,000 or greater is maintained First 25 deposits per month free First 50 checks and other withdrawals per month free First 50 deposited checks per month free Insured by the Federal Deposit Insurance Corporation (FDIC) up to $100,000 Account information including check copies available 24 hours a day, seven days a week via the Internet or the Cass Account Line Numerous deposit options including postage-paid Cass Bank-By-Mail service, a Quick Drop Service with daily pick-ups in the St. Louis metro area and a remittance processing service, making banking convenient and economical Easy-to-use monthly statement is mailed to you by the 3rd business day after month-end Monthly statement lists paid checks in numerical order, simplifying account reconciliation Funds generally available for withdrawal in two business days back to top



Investment & Savings Accounts CASS MONEY MARKET – Providing your company with safety and liquidity for your cash investments while receiving money market rates. Can be opened with just $100 Variable rate account with check-writing convenience Interest compounded and paid monthly Insured by Federal Insurance Deposit Corporation (FDIC) up to $100,000 Easy-to-use monthly statement is mailed to you by the 3rd business day after month-end No monthly service charge if $1,000 in collected balances is maintained in the account Account information including check copies available 24 hours a day, seven days a week via the Internet or Cass Account Line Numerous deposit options including postage-paid Cass Bank-By-Mail service, a Quick Drop Service with daily pick-ups in the St. Louis metro area and a remittance processing service, making banking convenient and economical Collected funds can be withdrawn at any time without penalty via check, Internet, Cass Account Line or a phone call to Cass Customer Care Center. CASS PREVAIL SAVINGS – Providing your company with safety and liquidity for your cash investments while receiving money market rates. Can be opened with just $100 Variable rate account that pays money-fund rates on balances of $1.0 million and above Interest compounded and paid monthly Insured by Federal Insurance Deposit Corporation (FDIC) up to $100,000 Monthly statement mailed to you by the 3rd business day after month-end No monthly service charge if $200 in collected balances is maintained in the account Account information including check copies available 24 hours a day, seven days a week via the Internet or the Cass Account Line Numerous deposit options including postage-paid Cass Bank-By-Mail service, a Quick Drop Service with daily pick-ups in the St. Louis metro area and a remittance processing service, making banking convenient and economical Collected funds can be withdrawn at any time without penalty via the Internet, Cass Account Line or a phone call to Cass Customer Care Center. CASS CERTIFICATES OF DEPOSIT – Providing your company with safety and liquidity for your cash investments while receiving money market rates. Minimum term 30 days Can be opened with $1,000 Flexible maturity date to meet your needs Interest paid quarterly by check, automatic deposit to another Cass account or added back to the account Insured by Federal Insurance Deposit Corporation (FDIC) up to $100,000 Certificate of Deposit issued in book-entry form thereby eliminating the need to present the certificate at maturity No monthly service charge or account maintenance fee Account information available 24 hours a day, seven days a week via the Internet or the Cass Account Line Written notice of pending maturity Grace period of ten calendar days after maturity date allows withdrawal of funds without penalty see note 1. below Certificates automatically renewed at maturity with like term unless you notify us Notes 1. Early withdrawal penalties are 30 days of interest on a certificate of deposit with a term of less than one year, and 90 days of interest on certificates of deposit with a term of one year or more. back to top



Credit Services CASS LINE OF CREDIT – Providing your company with working capital. Can be used to finance working capital or buy equipment Secured and unsecured lines available Collateral for secured lines typically includes a general lien on accounts receivable and inventory Interest rate typically floats with Cass prime Interest billed monthly; can be automatically deducted from the operating account Advances and payments can be automated using Cass Daily Sweep COMMERCIAL CREDIT CARD – Providing your company with working capital. Company and individual business cards available No annual fee if one purchase is made during the year Rate floats with prime rate Monthly management report available that summarizes and details purchases by cardholder Consolidated billing statement option Payment can be made by telephone or Internet You set the credit limits for the company and individual cardholders Visa procurement card available Statements and other information accessible via the Internet COMMERCIAL EQUIPMENT FINANCING – Providing you with a way to buy new and used equipment for your business. Purchase of new and used equipment used in business operations Maturity from 2 – 5 years full amortized Collateral is the equipment being purchased Principal and interest payments can be automatically deducted from a Cass account CONSTRUCTION LOAN – Providing you with a way to buy new and used equipment for your business. For construction of expanded or modernized facilities Floating rate with interest only during construction Up to one year construction period Convertible to amortized mortgage loan at completion of project INDUSTRIAL REVENUE BOND FINANCING – Providing your company with a way to finance large capital expenditures. INSTALLMENT LOAN – Providing your company with financing options for the purchase of new or used commercial equipment. Terms ranging from 30 – 60 months Competitive rates Coupon book available upon request Principal and interest payments can be automatically deducted from a Cass account LETTER OF CREDIT – Providing your company with another financing option using Cass' creditworthiness. Documentary and standby letters of credit available Letter of credit can be issued by Cass or one of our correspondent banks International letter of credit also available MORTGAGE LOAN – Providing your company with a way to finance company owned real estate. For acquisition of properties as well as refinancing existing debt Interest rates may be fixed or floating Maturity dates ranging from 3 – 5 years Amortization can be up to 20 years Principal and interest payments can be automatically deducted from a Cass account back to top



International Banking Services COLLECTIONS – Providing your company with a way to deposit checks drawn on foreign banks or issued in foreign currency. Checks sent for collection the day they are received May be used to process checks and drafts drawn on foreign banks issued in U.S. dollars or a foreign currency Receipt prepared and mailed to you that shows the original check amount, the exchange rate, and the adjusted check amount FOREIGN DRAFT – Providing your company with a way to obtain a check or draft issued in non-U.S. dollar currency. Drafts can be ordered over the phone Drafts will be mailed to you Drafts are ordered the day your instructions are received WIRE TRANSFER – Providing your company with a way to pay suppliers and other third parties. Transfers can be sent in U.S. dollars or a foreign currency Receipts confirming transfers mailed to your office Incoming and outgoing wire transfer capability Phone notification of incoming wire transfers Instructions can be phoned or faxed Requests received by noon processed same day Transfers clearly described on bank statement back to top



Treasury Management Services CASS ACH ORIGINATION – Providing your company with an electronic alternative to paper checks. Multiple uses including direct deposit of payroll and payment of federal taxes Electronic payments reduce transaction processing time...allowing funds to be available in 2 days...at a lower cost than wire transfer Electronic payments reduce paper and save your staff time and effort Accelerates the processing of recurring payments such as loans, payroll and taxes Can be used to pool smaller accounts at different banks into one central account at Cass Warehousing capability allows items to be stored until the due date Reduced fees for low-volume users Payments originated via Cass Internet Banking Compensating balances may be used to offset fees Provides more direct control than paper checks when a transaction is debited or credited to your account Initial training and installation of system provided by Cass at no additional charge CASS ACCOUNT LINE – Providing your company with 24-hour / 7-day access to account information via a touch-tone telephone. Step-by-step instructions guide menu choices to information desired User guide with menu choices available at no cost Individual access code, chosen by you, restricts account access thereby ensuring that only you have access to your account information Local users call 314-506-5544; non-local customers call toll free 888-964-4272 Users can obtain account balances, confirm paid checks and verify deposits Users can also transfer funds between Cass accounts CASS AUTOMATIC INVESTMENT ACCOUNT – Providing your company with an automated way of earning interest on your excess balances. Idle cash is transferred to a Cass investment account where it earns interest Daily review of account by Cass personnel ensures that idle cash earns interest and no overdrafts occur in the operating account Idle cash is maintained in the investment account until it is needed to cover withdrawals in the operating account Automatic transfer between accounts Accounts linked by total relationship Deposit Accounts are FDIC insured up to $100,000 Collected balances maintained in the operating account eliminate bank fees and other service charges CASS BANK-BY-MAIL – Providing your company with a convenient and inexpensive way to deposit checks into your Cass account. Postage paid by Cass Unique post office box and zip code expedites delivery of mail Deposits posted to your account the day they are received Deposit receipt mailed to you on day of deposit along with self-addressed, postage-paid envelopes Can also be used to make loan payments Mail picked up several times each day at main post office CASS BOOK TRANSFERS – Providing your company with a convenient way to move funds between your Cass accounts. Transfer instructions may be phoned in, faxed or sent via Cass Internet Banking; transfers can also be initiated via the Cass Account Line Transfers post same-day and therefore funds are available for immediate withdrawal Confirmations of transfers can be obtained via the Cass Account Line, Cass Internet Banking or a phone call to our Customer Care department CASS CASH CONCENTRATION – Providing your company with a way to move funds from your non-Cass account(s) to your Cass account. Funds can be moved electronically using Cass ACH Origination or with paper checks Funds moved electronically using Cass Internet Banking require minimal effort Transfers made only with your authorization Transfers can be initiated by you or a Cass staff member Can be used to move funds from most bank accounts located in the United States Concentration of funds in one account ensures that all available funds are used to offset service charges Well suited for companies located outside of the St. Louis metropolitan area or with offices in other cities Compensating balances may be used to offset fees CASS CD IMAGE – Providing your company with a convenient and secure method of storing and retrieving check images. Contains statement information in addition to check images Check images can be found and sorted by amount, check number or date paid Images include the front and back of each check Multiple accounts can appear on a single compact disk Each compact disk can store approximately 25,000 images Check images are legal proof of payment Check storage becomes more secure and less expensive Less time spent retrieving copies of paid checks Duplicate disks available 24-hour / 7-day access to images also available via the Internet Existing paper checks can be imaged and stored on a disk Paid check on file can be exported from disk CASS CONTROLLED DISBURSEMENT – Providing your company with notification of exact amount of the checks to be deducted from your checking account on any given day. Improves cash flow by centralizing and organizing corporate disbursements Maximizes investment opportunities by quickly identifying excess cash on a daily basis Helps reduce interest expense by identifying excess funds which can be used to pay down current debt or minimize short-term borrowings One presentation of checks increases the standard processing float...which means that your company has use of your funds somewhat longer Check amount can be reported to your by phone, fax or electronic mail CASS DAILY SWEEP – Providing your company with a treasury management service that automatically pays down your line of credit by transferring excess funds from your operating account. When the line is paid in full or if you do not have a line of credit, excess funds are automatically invested in a money market mutual fund. Minimizes your interest expense by using excess funds to reduce debt Excess funds are automatically invested in an interest-bearing money market mutual fund ^* when the line of credit is paid down to zero Daily transfers to and from the line of credit or investment account eliminates costly overdrafts and ensures excess balances are used to reduce debt or earn interest Service charges can be covered by balances maintained in the non-interest bearing accounts or deducted from the account each month Customer chooses the balance to keep in the operating account if fees are paid Choice of four money-market mutual funds including a tax-free fund Interest earned on your investment account is credited monthly and automatically reinvested Monthly operating account statement details daily transfers to and from the line of credit and/or investment account Daily balance reporting option via electronic mail ^* Investments in mutual funds are not deposit accounts and are not FDIC - Insured CASS FREIGHTPAY® – Providing specialized expertise in processing freight invoices. Significantly reduces your administrative costs of processing freight bills by replacing your internal fixed overhead and staff costs with variable per-invoice fees'you no longer need to staff for peak processing times Cass freight bill auditing eliminates duplicate payments and freight overcharges Ready access to freight invoice status information via a computerized audio response support system and the Internet Customized reporting is available to provide you with the information you need for decision making analysis, accounting control and payment reconciliation Benefit from Cass' financial stability and extensive industry experience as the leader in logistics services since 1956 Cass supports all freight invoice processing scenarios...centralized and decentralized billing, inbound and outbound shipments, MatchPay and non-MatchPay systems, paper and EDI invoicing Open the door to additional capabilities including enhanced accrual and accounting techniques and EDI operations CASS INFORMATION REPORTING – Providing your company with the information you need to manage your cash. A variety of information may be reported, including account balances, total debits and credits, checks presented through Cass Controlled Disbursement, debits and credits received through the automated clearing house and deposits received through Cass Wholesale Lockbox Information can be reported via telephone, fax or electronic mail Predetermined reporting time set by you ensures ample time to invest funds or pay down debts Scheduled reporting allows more efficient use of employee time; because contact is originated by Cass personnel, your employees need not be tied up calling us Compensating balances maintained in the operating account can be used to offset fees CASS INTERNET BANKING – Providing you with electronic access to banking services and account information via the Internet. Electronic access made easy Accessibility to your account information at your convenience...with up-to-date information downloaded next business day Easy access to up-to-date information on account balances and transaction history of all debits and credits Obtain copies of paid checks Move funds between Cass accounts at your discretion (subject to legal limitations) to maximize investment income and ensure funds are in the desired accounts Initiate electronic payments including wire transfers, federal tax payments and direct deposit of payroll Transfer funds from your non-Cass account to your Cass account via the ACH module Initiate stop payments quickly and easily, eliminating the need for follow-up documentation Order checks and deposit slips Online customer service feature File import and export capability Pay bills Extensive security measures include: user-defined security levels which provide daily limits at the operator and company level (for outgoing wires, ACH transactions and book transfers), and required verification and approval of outgoing wires Online user manual available at no cost Compensating balances maintained in the non-interest bearing account can be used to offset fees Reduced transaction fees for wire transfers, ACH origination, stop payments and book transfers 128 – bit encryption used Multiple firewalls used Numerous links to other Internet sites and services CASS MERCHANT CARD SERVICES – Providing your company with a way to accept major credit cards as payment from your retail and corporate customers. MasterCard®, Visa®, American Express® and Discover® cards processed Can be used to processed payments received in person or taken over the phone from U.S. Government agencies and other corporate customers Can also be used to process procurement and other purchasing cards Address verification option available to reduce fraud Procurement levels I, II & III capable Funds automatically credited to bank account in two business days Transactions can be processed using a desk-top terminal and printer, personal computer and software, or a touch-tone telephone 24-hour customer support provided for transactions and equipment Monthly statement summarizes checking account transfers and fees Fees deducted as a lump sum from bank account Over-the-phone setup and training at no cost CASS POSITIVE ACCOUNT RECONCILIATION – Providing your company with a way to reconcile your monthly bank statement and prevent fraud. Streamlines account reconciliation process List of outstanding issued checks provided upon request Ensures checks post to your account correctly, the first time Prevents fraudulent activity from posting to your account Exceptions reported to you prior to posting based on criteria you establish No monthly maintenance or processing fees CASS WHOLESALE LOCKBOX – Providing your company with quick and efficient conversion of your receivables into cash...for use in day-to-day operations, investments or to pay down on short term borrowing. Checks are mailed directly to Cass thereby eliminating one to two days in the postal system so checks are processed more quickly Same day processing for all your incoming checks, including Saturdays and some holidays Processing geared to meet general bank clearing deadlines and minimizing the time required for checks to clear Flexible document handling and information reporting available to meet your company's needs Your company's staff is available to perform other duties Unique post office box and financial zip code expedites delivery of mail to Cass CASS WIRE TRANSFER – Providing your company with a way to move funds between accounts and pay or receive transfers to and from third parties via Fed wire. Incoming and outgoing wire transfer capability, including international wire transfers Transfers may be phoned in, faxed or sent via Cass Internet Banking Cass Account Line may be used to transfer funds between company-owned accounts at Cass Can be used to pay suppliers or other third parties Can also be used to pay federal taxes Payee receives same-day availability on funds Verbal and written notification of incoming wire transfers from third parties Written confirmation of outgoing wire transfer Same – day payment instructions accepted until 2:45 PM (deadline for tax payments is 12:00 PM) Existing security controls offer maximum protection FEDERAL TAX PAYMENTS – Providing your company with options to pay your federal taxes. Payments can be originated by you using Cass Internet Banking, or by the U.S. Treasury Same-day tax payments can be sent via Cass Wire Transfer up until 12:00 PM CST. Balances maintained in the operating account can be used to offset fees PAYROLL SERVICES – Providing you with alternative ways to pay your employees. Pool account arrangements with several leading payroll processors streamline bookkeeping resulting in lower payroll processing costs Direct deposit option available via Cass Internet Banking Payroll taxes can be remitted electronically via Cass Internet Banking or EFTPS® Payroll transactions clearly described on bank statements QUICK DROP DEPOSIT SERVICE – Providing your company with yet another convenient, safe and inexpensive way to deposit checks into your Cass account. Twenty-three locations to serve you Quick Drop boxes located in safe, secure office buildings throughout the St. Louis metropolitan area Funds become available for withdrawal or investment more quickly than mailed deposits Can also be used to make loan and tax payments Transactions collected by bonded couriers Deposit receipt mailed to you on day of deposit along with new envelopes Deposits and payments posted to your account the same day they are picked up if they are in the deposit box by 12:00 PM. Service is free ZERO BALANCE ACCOUNT – Providing your company with a method of centralized cash control. Consolidates funds, thereby reducing your overall cost of capital Can allow independent function of subsidiary(ies)/divisions Multiple accounts are reconciled externally, thus saving you clerical time and expense Saves time by automating inter-company funds transfers All balances insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC) Compensating balances maintained in the operating account can be used to offset fees back to top




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