As banking laws, regulations and best practices become increasingly more complex, community banks are turning to TIB for assistance with human capital needs. For many community banks, hiring full-time staff for specialized industry work is cost prohibitive, so it is being outsourced. TIB believes that, being a bank itself and observing best practices over hundreds of institutions, it can best provide consulting services. A/L Management The“ALCO Manager”Risk Management System by ALX Consulting combines consulting services with its proprietary model and easy-to-understand reporting. The“ALCO Manager”is a comprehensive compliance program, as well as a beneficial tool for measuring, monitoring and controlling sensitivity to interest rates and liquidity. Bankers choose ALX because our people are customer driven, our services are cost effective and work, and we partner with our customers. Consulting Services A/L Management, Loan Review & Compliance Compliance TIB-Bequeaith enjoys an exceptional reputation for providing consumer compliance, BSA, AML review and consulting services. We annually conduct the Compliance Certification program one of the country’s largest national trade associations. Regulatory Compliance • Functional compliance testing • Specific issue review and consultation • Virtual compliance officer services Bank Secrecy Act/Anti-Money Laundering • Training/Testing • AML validation • Consultation Fully Outsourced Program • Industry experts • Bank specific assumptions • Fully validated model Latest and Greatest • EVE curves stress test • Beta stress test • Loan Portfolio Stress Test Director Friendly • Easy-to-read presentation • Integrated policy limits Policy Development • Integrated capital, liquidity and IRR policies • Investment, brokered deposit, contingent funding plans available Annual Review • Included • Back test • Verification of inputs • Assumptions document Expertise At Your Service • Professional ALM staff • Regulatory experience • Available when you need us Loan Review & Compliance TIB-Bequeaith Banking Solutions is among the most inclusive and customizable suite of professional solutions for community banks in the industry, delivered by a team of specialists with hundreds of years of credit origination, monitoring and compliance experience. Loan Review TIB-Bequeaith provides both on-site and virtual loan review services to community banks. They leverage technology including electronic line cards, imaging and a proprietary delivery/communication system to help manage costs and improve efficiencies. Among the Loan Review services they provide are: • Full scope review • Targeted scope review • Due diligence review • Ongoing monitoring of large loan relationships • Specific issue consultation • ALLL consultation www.tib.bank