Trusted Partner Bringing Value To Community Banks TIB Puts Community Banks First Community banks are the heartbeat of the local main street economy and the primary engines of growth for our country. Because of that, we are committed to our partner banks’well-being above all else. From day one, our mission has always been the same: “To be the Trusted Partner for those we serve.” As a bankers’ bank, we never compete for or cross-sell the customers of our bank partners. Given our unique purpose and role in the flow of business, we know our success is tied to that of our partner banks. This is why our annual shared revenue goal is our top priority each year. Last year marked our 13th consecutive record year in this category, as we shared more than $28.4 million in revenue with our shareholders and customers. Driven to Create & Grow Relationships While we certainly believe in leveraging technology to drive efficiencies and improve communications, it will never take the place of a personal relationship. While other organizations have downsized, TIB has expanded our calling staff, traveling more than 200,000 miles and making more than 8,000 personal calls on community bankers across the country. We are committed to being wherever our partner banks are, in order to get to know and meet them on their terms and in their shops. Whenever possible, we hire local, knowledgable and familiar talent to serve within a particular region. Employee Location Our People Our people are our greatest strength. It takes a specific kind of person to fit at TIB. While experience, work ethic and expertise are musts, our organization also has a decided “family”atmosphere, balanced with an earnest and appropriate approach to our business. We value and seek team-oriented individuals who put others first, share credit for successes and are ready to serve our partner banks and each other. Our managers are encouraged and trained to become “servant leaders”to their teams. Branch Location Security & Business Continuity TIB serves some 1,600 community banks across the country. It is a role and responsibility we take very seriously. As such, we have made unprecedented investments in the areas of Disaster Recovery and Business Continuity. This includes the establishment of three geographically-diverse operational centers (counting our corporate headquarters) to meet any-sized crisis or displacement. Each location can accommodate our operations staff and is equipped for conducting every critical business function needed for our partner banks. Credit Culture Asset quality is the cornerstone of any bank’s safety and soundness. TIB is committed to a disciplined credit culture designed to not only protect our balance sheet, but also to protect our partner banks, while generating solid and consistent revenue. We can only be a great partner when we are healthy, safe and sound. While we have a legal lending limit of over $36 million, we long ago made the decision to self-impose a much lower“in- house”limit (currently $12 million).