Business banking without hassle. Strength on demand. Renasant Business Edge

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1 Business banking without hassle. Strength on demand. Renasant Business Edge

2 It s time to reimagine business banking. Do you believe it s possible for a bank to understand your business? Does your banker know the worry of wondering if there ll be enough in the account when the day ends? Breathe deep. Relax. What if... what if your bank were as warm as a bakery, if the choices were as easy as an apple tart or a glazed donut? Guess what? It s here. Renasant Business Edge. All you desire. Everything your business needs to thrive. Designed to save you money and make things easy and convenient. Business banking without hassle. Strength on demand.

3 Business Edge Loans Need money? We hear you. And the sooner the better. That s why Business Edge gives you one-day decisions on qualifying loans. We ll stop at nothing to give your business what it needs to do business. To expand. To launch out. Money on demand. Without the wait. What s Included: LOANS - Commercial real estate - Equipment - Working capital - Accounts receivable - Inventory LINES OF CREDIT Money on demand. One-day decisions.

4 RENASANT BUSINESS EDGE LOANS All loans subject to credit approval. Turn-around time on credit decisions requires a complete loan application and is not applicable on unsecured commercial exposure over $75,000 or secured commercial exposure over $500,000, and is subject to verification and validation of all information on the loan application. Offer is valid only in Alabama, Mississippi and Tennessee; applicable only to customers opening new Business Edge accounts with Renasant Bank and is subject to change. 05/09.

5 Business Edge Totally Free Business Checking Renasant s Business Edge checking costs you nothing. We know you expect that from your business banker. But Business Edge gives you more. No minimum balance, no monthly service charge. And you get standard enhanced business internet banking with online bill pay all free. Want even more? New accounts get up to $100 credit on their initial order of checks and related supplies (so go ahead and order the nice checks). What s Included: FREE CHECKING WITH NO MINIMUM BALANCE NO MONTHLY SERVICE CHARGE FREE STANDARD ENHANCED INTERNET BANKING WITH ONLINE BILL PAY ONLY $50 MINIMUM DEPOSIT TO OPEN $100 CREDIT ON FIRST CHECK ORDER No minimum balance. No monthly service charge. Free standard enhanced business internet banking.

6 RENASANT BUSINESS EDGE TOTALLY FREE BUSINESS CHECKING Totally Free Business Checking account is subject to transaction limits for deposits, items deposited, paid items and cash deposited; fees may apply to volume in excess of the transaction limits stated in the Rules and Regulations governing the account. Offer is valid only in Alabama, Mississippi and Tennessee; applicable only to customers opening new Business Edge accounts with Renasant Bank and is subject to change. 05/09.

7 Business Edge Daily Sweep A good night s rest. That s what you get with the Business Edge line of credit sweep. It works like this: Each day, automatically, money flows between your checking account and your linked line of credit. So you don t come up short, but you also don t pay interest on more than you need. Automatic. Free. Rest easy. What s Included: AUTOMATIC TRANSFERS MAKE SURE YOU RE COVERED DAILY CREDIT LINE PAID AUTOMATICALLY TO KEEP INTEREST TO A MINIMUM You re covered. Automatically. Rest Easy.

8 RENASANT BUSINESS EDGE DAILY SWEEP Line of Credit Sweep applicable only to accounts for the same legal entity. Offer is valid only in Alabama, Mississippi and Tennessee; applicable only to customers opening new Business Edge accounts with Renasant Bank and is subject to change. 05/09.

9 Business Edge Merchant Card Processing Rapid, reliable credit card deposit processing is available for Business Edge customers through a secure network. We provide you the gateway to one of the nation s largest payment processors. To make it even easier to start credit card processing, we ll give you $100 credit toward equipment cost or setup fee when you sign up for the service. What s Included: ACCESS TO ONE OF THE NATION S MOST RELIABLE MERCHANT CARD NETWORKS $100 CREDIT TOWARD GETTING YOU STARTED $100 credit toward equipment cost or setup fee.

10 RENASANT BUSINESS EDGE MERCHANT CARD PROCESSING Merchant Card Deposit Processing is provided by Renasant Bank in partnership with an external vendor. Offer is valid only in Alabama, Mississippi and Tennessee; applicable only to customers opening new Business Edge accounts with Renasant Bank and is subject to change. 05/09.

11 Business Edge Safe Deposit Box Secure your important documents, jewelry, and other irreplaceable items. Business Edge customers get a $50 credit on the first year s rental of a new safe deposit box. What s Included: $50 CREDIT ON FIRST YEAR S RENTAL CHECK YOUR LOCAL RENASANT BANK FOR AVAILABILITY $50 credit on your first year s rental.

12 RENASANT BUSINESS EDGE SAFE DEPOSIT BOX Safe deposit boxes in Mississippi and Alabama are in the name of Renasant Bank. Safe deposit boxes in Tennessee are in the name of Renasant Leasing Corp. II, a subsidiary of Renasant Bank. Safe deposit boxes may not be available at all Renasant Bank locations. Offer is valid only in Alabama, Mississippi and Tennessee; applicable only to customers opening new Business Edge accounts with Renasant Bank and is subject to change. 05/09.

13 Business Edge Renasant Financial Services * Do you have enough for retirement when that day comes? Can your income keep up when life shifts gears? Business Edge customers get a free investment checkup with one of our licensed investment consultants. The full array of financial products and services are at your service. Renasant partners with LPL Financial, a leading provider of investment programs. ** STOCKS, BONDS AND MUTUAL FUNDS IRAS What s Included: TAX-ADVANTAGED INVESTMENTS INSURANCE PRODUCTS RETIREMENT PLANS * See reverse for important information ** Based on total revenues, as reported in Financial Planning Magazine, June Free investment checkup.

14 RENASANT BUSINESS EDGE RENASANT FINANCIAL SERVICES Securities and insurance products offered through LPL Financial and its affiliates. Member FINRA/SIPC. Renasant Bank and Renasant Financial Services: Not a registered dealer; Not affiliated with LPL Financial. Investment Services and Insurance Services are: Not FDIC Insured Not A Deposit May Lose Value No Bank Guarantee Not Insured By Any Federal Government Agency Offer is valid only in Alabama, Mississippi and Tennessee; applicable only to customers opening new Business Edge accounts with Renasant Bank and is subject to change. 05/09.

15 Business Edge Renasant Insurance * One size doesn t fit all. You need to manage risk, but you need to match your coverage to your needs. Business Edge customers get a free consultation with one of our insurance consultants. Let us analyze your business and develop an affordable plan just for you. What s Included: COMMERCIAL LIABILITY COMMERCIAL PROPERTY HOME-BASED BUSINESS UMBRELLA OR EXCESS LIABILITY * See reverse for important information Free consultation.

16 RENASANT BUSINESS EDGE INSURANCE Investment Services and Insurance Services are: Not FDIC Insured Not A Deposit May Lose Value No Bank Guarantee Not Insured By Any Federal Government Agency Offer is valid only in Alabama, Mississippi and Tennessee; applicable only to customers opening new Business Edge accounts with Renasant Bank and is subject to change. 05/09.

17 Ready to sign up for Business Edge? It s simple. Choose the Business Edge features you want for your business, and contact your Renasant Relationship Manager by phone, , or in person. We ll have you set up in short order. Your business will see the benefits immediately. 1 Choose Your Features BUSINESS LOANS TOTALLY FREE BUSINESS CHECKING BUSINESS DAILY SWEEP MERCHANT ACCOUNT SAFE DEPOSIT BOX INVESTMENTS 2 INSURANCE 2 1, 2 See reverse for important information Business banking without hassle. Strength on demand.

18 1 Offer is valid only in Alabama, Mississippi and Tennessee; applicable only to customers opening a new Business Edge account with Renasant Bank and is subject to change. All loans subject to credit approval. Turn-around time on credit decisions requires a complete loan application and is not applicable on unsecured commercial exposure over $75,000 or secured commercial exposure over $500,000, and is subject to verification and validation of all information on the loan application. Totally Free Business Checking account is subject to transaction limits for deposits, items deposited, paid items and cash deposited; fees may apply to volume in excess of the transaction limits stated in the Rules and Regulations governing the account. Line of Credit Sweep applicable only to accounts for the same legal entity. Merchant Card Deposit Processing is provided by Renasant Bank in partnership with an external vendor. Safe deposit boxes in Mississippi and Alabama are in the name of Renasant Bank. Safe deposit boxes in Tennessee are in the name of Renasant Leasing Corp. II, a subsidiary of Renasant Bank. Safe deposit boxes may not be available at all Renasant Bank locations. 05/09. 2 Investment Services and Insurance Services are: Not FDIC Insured Not A Deposit May Lose Value No Bank Guarantee Not Insured By Any Federal Government Agency

19 It s time to reimagine business banking.

20 Recycled Paper: 30% post-consumer content. Produced with 100% green power.