With over $1 billion in loans, TIB’s Correspondent Lending Division is multifaceted and robust, while maintaining disciplined underwriting standards. The Division is home to a dozen seasoned loan officers who call on community banks daily. The credit policy and loan review departments operate independently of the lending function, for exceptional objectivity. Bank Stock Loans TIB’s Correspondent Lending Division has been extending bank stock loans to bank holding companies and bankers since our doors first opened in 1982. We offer bank holding company loans for capital injections, mergers and acquisitions, stock buy-back programs, ESOP funding, and general corporate purposes. We also lend to bankers to acquire stock, exercise stock options, and make personal investments. Whether you are looking for term facilities, lines of credit or short-term financing secured by bank stock, TIB has the expertise and experience. Participations Providing community banks with valuable participation lending is a cornerstone of our mission. TIB has expertise in Commercial Real Estate, Commercial Loans, Acquisition and Development Loans, Equipment Loans, Residential Real Estate, Accounts Receivable/Inventory and Agricultural Loans. We can help community banks compete against larger institutions, reduce loan concentrations and increase liquidity through loan sales. Municipal Lending The Municipal Lending Department specializes in tax-exempt lending to cities, counties, school districts, and municipal utility districts. This specialized sector enjoys a low risk profile and historic low default rates making these loans very desirable for community banks. TIB’s municipal lending department works with local community banks and municipal financial advisors, on behalf of the referring community bank. We take bankers’referrals, do all the work, then share the loan through a participation. Small Business Investment Company (SBIC) TIB is a general and limited partner in three successful leveraged SBIC’s authorized by the Small Business Administration. Community bank investors contributed over $75 million to all three SBICs. The most recent fund, including SBA leverage, is providing over $100 million in capital and/or borrowings to our country’s small businesses. TIB has introduced many banks to these funds, providing them with access to above average long- term returns. Fed Funds Lines of Credit TIB is a national leader in providing overnight liquidity facilities to respondent banks, extending over $6.6 billion in FFLOCs to nearly 1,000 banks nationwide. Cash letter customers can establish automatic borrowing extensions to cover unexpected clearing needs. Bankers’Preferred Program Specially designed for bankers’everyday consumer needs, our“Bankers’Preferred”program features origination-free mortgage loans and favorable credit card and money market rates. Correspondent Lending A Strong, Steady Partner (800) 288-4842