About TIB

Home Equity Line of Credit &
Home Equity Loan Application Tips

Now that you've decided to apply for a loan, you're ready to use our online application! The application should take a few short minutes to complete. You'll need to supply the usual information about name, address, date of birth, employment, income and so on. To speed up the process, be sure to have access to the following information for each applicant. Otherwise, you may have to leave the online application before completion, and you'll lose all information you've entered.

To Apply You'll Need the Following Information:

Purchase price, date of purchase and market value of your property.
Mortgage company, loan balance, monthly payment and if payment includes escrow.
Previous address (if you or your co-applicant moved within the past three years).
Social Security number and date of birth.
Current employer's name and address.
Previous employer's name and address (if you or your co-applicant changed jobs in the last three years).
Monthly income and the source and amount of any other income.
Outstanding loans and credit cards, including balances and monthly payments.
Location, value, mortgage balance and income (if rental property) on other real estate owned.
Names and balances of savings and investments.

The following application is for individuals only. They are not intended for business purpose loans, sole proprietors, other businesses, or trusts. Each applicant must be at least 18 years old. At this time, the following applications are available to residents of the Florida Keys, South Miami-Dade County and the Naples-Bonita Springs Area of Southwest Florida. Additionally, applicants will be required to sign loan documents in one of our conveniently located branches.

USA Patriot Act and Banking Privacy Statement USA Patriot Act: Federal regulations enacted pursuant to Section 326 of the USA PATRIOT Act require all financial institutions to verify the identity of every person who seeks to open an account with the institution. All persons are subject to the identity verification requirements even though they may be a long term customer of and well known to the institution. However, please be assured that our long term relationship and service quality during the course of our day-to-day interaction with you will NOT be compromised. We truly appreciate your business and value you as a customer. For the purpose of the regulation, an "account" includes every formal banking relationship that entails ongoing services, dealings or transactions. Some examples are a deposit account, loan, or safe deposit box rental. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Reliance on Others A bank may rely on a third party to fulfill some or all of the CIP requirements, provided: * Such reliance is reasonable under the circumstances; * The other party is a financial institution regulated by a federal regulator and subject to the same CIP requirements * The other party contracts to certify annually that it has implemented its anti-money-laundering program and it will perform the CIP duties. In these circumstances, the relying bank will not be held responsible for the failure of the other financial institution to fulfill its CIP duties. A bank may use a third party to perform its CIP duties without complying with the three conditions listed above, but the bank will remain liable for any failure of the third party to satisfy the CIP requirements applicable to the bank. TIB Bank may retain a copy of any document it relied upon to verify your identity. We apologize for any inconvenience this may cause as it is our hope to ensure this processing requirement remains as transparent to you as possible. If you have any questions or concerns regarding this regulation, feel free to contact the Branch Manager, Business Banking Officer or Customer Service Representative. TIB Bank Online Banking Privacy Statement: 1. Confidentiality and Security TIB Bank (the Bank) is committed to providing the highest level of security and privacy regarding the collection and use of our banking customers' personal information. A detailed description of the nonpublic information that we collect and disclose is provided below. If you have additional questions regarding the privacy of your personal information, please contact us. 2. Respect of Right to Privacy Protecting your privacy, along with your financial assets, is at the core of our business. We recognize our obligation to keep the information that you provide to us secure and confidential. TIB Bank respects your right to privacy, and we maintain physical, electronic, and procedural safeguards to help us safeguard your nonpublic information that comply with state and federal laws and regulations. 3. Collection, Use and Storage of Personal Information The collection of personal information is designed to assist the Bank in providing you with the products and services you want and need, and to protect access to your personal accounts. We obtain information about you from the following sources: information provided by you on applications or other forms; information about your transactions with us, our affiliates or others; and information we receive from consumer-reporting agencies. All personal information collected and stored by the bank is used for specific business purposes: to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, to help the bank better understand your financial needs in order to design or improve our products and services, and, to the extent permitted by law, may be shared with TIB Bank of the Keys' family of companies in order to provide you with products and services appropriate to your needs and circumstances. The TIB Bank family of companies are: TIB Bank TIB Financial Corp. 4. Limited Employee Access to Personal Information TIB Bank limits employee access to your personal information to only those bank employees with a reason for knowing such information. TIB Bank also trains all employees about the importance of confidentiality and customer privacy. Improper use of your personal information by a bank employee will result in disciplinary action, including termination and referral to law enforcement authorities where appropriate. 5. Third-Party Disclosure Restrictions TIB Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all non-affiliated third parties with a business need to access this information to adhere to similar and equally stringent privacy policies, and such parties are not permitted to release, use for their own purposes, or sell any customer information we share with them to any other party. Personal information may be supplied to a third party in order to process transactions initiated by you; if you request the disclosure; if the disclosure is required or allowed by law (i.e. the exchange of information with reputable reporting agencies, pursuant to subpoena, court order, or during an investigation of fraudulent activity); for marketing the Bank's own financial products or services, or to market financial products or services offered by the Bank in conjunction with another financial institution (see "Joint Marketing," below). Joint Marketing TIB Bank may disclose all of the information that we collect, as described in paragraph 3 above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. TIB Bank does not sell, share or otherwise disclose non-public information about our customers except as described above. No action on your part is necessary to prevent TIB Bank from sharing this information with marketers outside of the TIB Bank family of companies. TIB Bank will not disclose personal information about former customers to anyone, except as required by law, permitted by law, or requested by the former customer. 6. Maintenance of Accurate Information It is in the best interest of both you and the bank to maintain accurate records concerning your personal information. We continually strive to maintain complete and accurate information about you and your accounts. Should your personal information ever change, or if you ever believe that our records contain inaccurate or incomplete information about you, please contact us. 7. How to Contact Us If you would like additional information, or have questions regarding TIB Bank Privacy Statement, please telephone us at 305-451-4660 or 800-233-6330, or email us at one of the email addresses provided at www.tibbank.com. You may also write us, or stop by one of our many offices and discuss your questions with one of our staff. Revised 3-05

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