OVB Business Solutions

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1 OVB Business Solutions The area s true source for Expert Local Business Banking

2 Welcome to the OVB Family Your company now joins hundreds of others who have unlocked the power of Ohio Valley Bank for their business. Our goal is to provide you with outstanding service, complimented by valuable and reliable products and services. It s not one-size-fits-all and you re not just an account number. At Ohio Valley Bank, Community First! is our mission. It s what we live and breathe. You are part of our community. Your business is important to us. We will be your biggest advocates. Our professional bankers will work to help you succeed. Please review this solutions guide to see all that we have to offer. If there is something missing, just let us know. Chances are we can make it happen. As Walt Disney once said, It s kind of fun to do the impossible. Again, welcome to the family. I hope to see you round the bank soon. Sincerely, Tom Wiseman President & CEO Ohio Valley Bank It s not one-size-fits-all and you re not just an account number.

3 OVB solutions for Cash Flow & Financing Our experienced Corporate Bankers have the funds you need to move your business forward. Operating Line of Credit Get the flexibility of an approved source of funding that you pay no interest on until you begin using it. Commercial Lines of Credit are most often use for inventory purchases or cash flow needs. Business Loans Time for new equipment? Ready to expand? OVB also offers the following financing options: Commercial Real Estate Loans Floor Plan Financing Loans on Stocks and Bonds Commercial Equipment Loans SBA Loans Commercial Construction Loans USDA Loans OVB Business Visa Credit Card The power of Visa...The personal service of Ohio Valley Bank. Easily track employee purchases online and rest easy with 24/7 customer service. Commercial Letter of Credit If your business is making a purchase where normal standards of payment are not acceptable, a letter of credit from your OVB loan officer can help. Ohio Valley Bank offers this service for credit-worthy business customers.

4 Appointment Checklist To expedite the loan process, have these items on hand when you meet with your lender... Past 3 years and Current Business Profit & Loss Statements and Balance Sheets (incl. Federal Income Tax Returns) Current Personal Financial Statement and 3 years Federal Income Tax Returns on all guarantors Info on all collateral that will be used Inventory Listing itemized with initial cost Accounts Receivable Report showing current, 30 days, 60 days, and 90 days Copy of deed and address of real estate that will be used as collateral Articles of Incorporation Corporate Resolution List of officers of the corporation LLC Operating Agreement LLC Resolution and list of Members Partnership Agreement and list of all Partners If new business, a written business plan must be provided along with 5 years income/expense and balance sheet projections

5 OVB solutions for Taking Payments Mix and Match the Ohio Valley Bank services that are right for your business: Card Payments Need to be able to accept credit and debit cards at the register, by phone, or online? We can help you do it all. It s called Merchant Services. Pricing is based on v o l u m e. C o n t a c t a n y o f f i c e o r e m a i l businessdevelopment@ovbc.com for a quote. iphone Checkout Turn your iphone into a register than can accept debit or credit cards. Our service features one of the lowest per transaction fees in the country. Autopay Ever wish that you could set up your customers on autopay instead of invoicing them every month? You can with our ACH module for Cash Management. With this module, you can create and manage autopay electronic payments from your customers checking or savings accounts. Check Resultz Free check recovery service. Merchant receives 100% face value of collected item.

6 We help businesses of all sizes...

7 OVB solutions for Basic Banking Mix and Match the Ohio Valley Bank services that are right for your business: Small Business Checking No minimum balance required on this checking account with the convenience of a MasterCard Debit card. Comes with free online bill pay. Business Checking A great solution for mid to large size businesses. Realtime analysis ensures that you only pay for the services you actually use. MarketWatch Money Market Account High yield interest with check-writing capability. MarketWatch gives you both. OVB Remote Deposit No more driving to the bank and waiting in line. Deposit checks right from your desk and get same day credit to your account. Business Checks & Check Systems Ohio Valley Bank offers a large selection of business checks, forms and supplies through Deluxe and Safeguard Business Systems. Forms can even be custom-made to fit your specific needs.

8 Rest easy knowing OVB is there for you...

9 OVB solutions for Employee Benefits Happy employees are productive employees. Ohio Valley Bank can improve your benefit offering to attract an elite staff. My Health HSA If your company offers a high deductible health plan for its employees, consider the benefits of My Health HSAs. These unique accounts give your employees a significant tax benefit at no additional cost to you. If you want to invest a little, it s easy to make a small annual deposit to your employees HSA as part of their health benefit package. Christmas & Vacation Savings Give your employees the opportunity to automatically save part of their paycheck. Each time they are paid, a portion of that check is automatically placed into a Christmas or Vacation Savings account. The account s balance builds with each paycheck and interest is awarded as a bonus. Once annually, the account pays out its entire balance plus interest to the employee. Vacation Savings pays out in April; Christmas Savings in October.

10 OVB can bring order to the chaos...

11 OVB solutions for Money Management Mix and Match the Ohio Valley Bank services that are right for your business: Online Cash Management Available even when the bank is closed. Make transfers, loan payments, initiate electronic transactions, place stop payments, pay bills, send wires, view account statements, and access balances and history including check images. Choose separate passwords and security levels for each employee or one for all. Enhance your Cash Management experience with the optional Wire or ACH modules that help you create these advanced transactions on your own with a few clicks of the mouse. OVB Remote Deposit No more driving to the bank and waiting in line. Deposit checks right from your desk and get same day credit to your account. Automated Payroll Always on time...always no hassle. Let us handle your payroll by check or direct deposit or opt for our selfservice ACH module so that you can directly deposit paychecks via online Cash Management. CellTeller Mobile Banking The power of Cash Management is now available in mobile web, iphone App, and Android App for your phone or tablet. Secure Tokens Add an extra layer of security with Verisign Secure Tokens for your employees. Business Bill Pay Free for our Small Business Checking customers, OVB Business Bill Pay keeps your payments organized and on time.

12 OVB solutions for Safekeeping Mix and Match the Ohio Valley Bank services that are right for your business: Statements on CD More than just a statement. OVB can produce a CD for your with your check images, deposit slip images and deposit items for the entire year. Statements on CD is a great resource when it comes to tax time. edelivery Don t wait for the mail. Don t even wait until morning. Receive your account statement seconds after its generated by the bank. With edelivery, your account statement is streamed into your inbox after a secure login connection is established. Never lose track of a statement again with this green delivery method. Safe Deposit Box Let the Bank protect your documents in a secure Safe Deposit Box in our vault. Annual or lifetime rental is available for boxes of varying sizes. Night Depository Service A great solution for making cash deposits after bank hours. Receive one of our special-made lock bags that can be used in combination with our well-lit and convenient and drop-off locations. Budget Buddy Available via OVB online Cash Management, Budget Buddy is a great way to compile your account information from all your financial institutions into one place for recordkeeping and reporting. Business Bill Pay Free for our Small Business Checking customers, OVB Business Bill Pay keeps your payments organized and on time.

13 As a THANK YOU for your business, all OVB business accounts come with the following provided at NO CHARGE... Cash Management internet banking edelivery paperless statements CellTeller mobile banking OVB Line telephone banking OVB Budget Buddy OVB MasterCard Debit/ATM Card 24/7 Debit Card Support Hotline Fraud Monitoring Support from our Expert Account Services & Lending Personnel Small Business Checking Accountholders also receive Online Business Bill Pay at no charge. Those applying for Business Loans, receive a FREE personalized Financial Analysis for your business.

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15 OHIO VALLEY BANK Questions or Comments? Contact us at: Phone: EQUAL HOUSING L E N D E R MEMBER FDIC March 2013