Strategies for Success

Our primary strategy is to build value for shareholders by providing relationship-based financial services to small and mid-sized businesses, business owners, their employees and professionals. The key elements of our strategy include:

• Maintain a high level of customer service. We compete by emphasizing customer service and establishing long-term customer relationships. Many of our competitors have emphasized retail banking or market financial services to large companies. As a result, the small and mid-sized business market is underserved. Our focus on service is valued in this niche.

• Provide diversified products and services. We offer a variety of financial products and services. Cross-selling products and services to our existing customers is an important initiative. We offer relationship pricing to those clients who purchase multiple products and services from us.

• Manage credit risk. We have credit standards that are designed to enable consistent credit risk throughout our organization. We centrally administrator our loan policies and we attempt to maintain high asset quality by centrally monitoring and reviewing loans. Our producers focus on relationship building to grow loans.

• Increase intrinsic value to build shareholder value. We strive to increase intrinsic value by adding and nurturing durable relationships. We have consistently expanded our existing businesses. We are also willing to make investments in new businesses. We understand shareholder value is created by opportunistically deploying capital to businesses that are sustainable.

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