Terms of Use

TIB Bank maintains this site to provide you with information about TIB Bank products and services and to facilitate communication with TIB Bank and its related companies. TIB Bank requires that all the visitors to our site on the Internet ("the Site") adhere to the following rules and regulations. Please review the following terms and conditions about your use of this site. By accessing the Site you indicate your acknowledgement and acceptance of these terms and conditions. From time to time we may revise these terms and conditions.

Unauthorized Use
Unauthorized use of TIB Bank's Web site and systems including but not limited to unauthorized entry into TIB Bank's systems, Internet Banking systems, misuse of passwords, or misuse of any information posted to the site, is strictly prohibited. The Internet banking section is for authorized users only and any attempt to enter the secure Internet Banking section is prohibited by Federal law and will be reported to law enforcement authorities.

You agree that (i) ) you will not engage in any activities related to the Web site that are contrary to applicable law, regulation or the terms of any agreements you may have with TIB Bank and (ii) in circumstances where locations of the Web site require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

Products and Services
Not all of the products or services described on the Site are available in all geographic areas. You may not be eligible for all the products or services described. TIB Bank reserves the right to determine the eligibility for any product or service. Investment products and services (i) are not bank deposits and are not insured by the FDIC, (ii) are not guaranteed by TIB Bank, and (iii) are subject to substantial risk, including the possible loss of some or all of the principal invested.

E-Mail Submissions or Feedback
Any communication or material you transmit to us via Internet electronic mail is on a non-confidential basis and is not encrypted. All feedback or submissions of any kind submitted to this Web site become the property of TIB Bank, to be used or not as the Bank chooses without cost or liability.

Copyright
Copyright in the pages, screens, text, graphics and images appearing on the Web site are owned by TIB Bank or others as indicated. The information and materials contained on the Web site may not be copied, displayed, distributed, downloaded, licenses, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of TIB Bank.

Potential Disruption of Service
Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:

• Hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
• Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
• Overload of system capacities;
• Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
• Interruption (whether partial or total) of power supplies or other utility of service;
• Strike or other stoppage (whether partial or total) of labor;
• Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
• Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of TIB Bank.

Online Practices
A "cookie" is a way for Web sites to recognize whether or not you have visited the site before. This site uses this feature of your browser. It is important for you to know that cookies do not read your hard drive, nor can they be used to reveal anything about you that you have not chosen to enter as a user on a site. Our use of cookies allows us to recognize your computer and optimize your visit to our Web site. In addition, TIBLink Plus Cash Management utilizes the downloading of a security cookie onto one terminal which must be used to perform certain functions.

Links to Other Sites
TIB Bank may provide access to information, products or services offered on Web sites that are owned or operated by other companies ("third party Web sites"). We provide this access through the use of hyperlinks that automatically move you from the TIB Bank Web site to the third party site.

TIB Bank is not responsible for the content or accuracy of any third party Web site. TIB Bank cannot endorse, approve or guarantee information, products, services or recommendations provided at a third party Web site. Because we may not always know when information on a linked site changes, TIB Bank is not responsible for the content or accuracy of any third party Web site. TIB Bank shall not be responsible for any loss or damage of any sort resulting from the use of a link on its Web site nor will it be liable for any failure of products or services advertised or provided on these linked sites.

When you visit a third party Web site from TIB Bank's site, you will no longer be protected by TIB Bank's privacy policy or security practices. The data collection, use and protection practices of the linked site may differ from the practices of TIB Bank's site. We encourage you to read the third party Web site's privacy policy and security statement as those are the policies that apply to your use of the linked web site.

Tips to tell if you've left TIB Bank's Web site:

• The linked Web site is shown in a new browser window. The appearance of the linked site is significantly different from the TIB Bank site.
• Instead of the TIB Bank address, the URL of the linked Web site appears in the location box or address field of your browser.
• The linked site does not appear in a new browser window, but you see:
• The logo of a different company prominently displayed.
• The navigation tools are different from the layout of the navigation tools on the TIB Web site.
• The third party's privacy policy and terms of use statement are prominently displayed.
• Information on the footer at the bottom of the Web page contains information about a company other than TIB Bank.

Warrants and Disclaimers
We use our best efforts to include accurate and up to date information on our Web site, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of the Web site and its contents is at your own risk. By using the Web site, you acknowledge that we specifically disclaim any liability (whether based on contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special use of the Web site, (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.

Limitation of Liability
Because of the possibility of human and mechanical error as well as other factors, the Web site, including all information and materials contained on the Web site, is provided "as is" "as available." TIB Bank and third party data providers are not providing any warranties and representations regarding the Web site. TIB Bank and third party data providers disclaim all warranties and representations of any kind with regard to the Web site, including any implied warranties of merchantability, non-infringement of third party rights, freedom from viruses or other harmful code, or fitness for any particular purpose. Further, TIB Bank will not be liable for any delay, difficulty in use, inaccuracy or information, computer viruses, malicious code or other defect in this Web site, or for the incompatibility between this Web site and files and the user's browser or other site accessing program. Nor will TIB Bank be liable for any other problems experienced by the user due to causes beyond TIB Bank control. No license to the user is implied in these disclaimers.

Governing Law and Jurisdiction
You agree that your use of this Web site shall be governed by all applicable Federal laws and the laws of the state of Florida and agree that venue shall be located in such location in Monroe County, that TIB Bank chooses.

Revised 3-05