ACCESSING THIS WEB SITE OR VIEWING ANY OF ITS CONTENTS SHALL CONSTITUTE YOUR AGREEMENT WITH THE TERMS BELOW.

Use of Information and Materials
Any person is hereby authorized to view the information available from this Web site for informational purposes only. No part of this information may be redistributed, copied, or reproduced without the prior written consent of Seaside or its subsidiaries or affiliates. The product and fee information presented in this Web site represent Seaside's offerings as of the most recent update. Rules, Regulations, Fee Schedules, and Service Agreements currently in effect take precedence over any information herein. The information contained in these pages is subject to change without notice. The company information contained in this site is provided for informational purposes only and is not a solicitation or offer to sell securities, nor should it be used by others in connection with any sale, offer for sale or solicitation of an offer to buy securities. Neither Seaside, nor any of its subsidiaries or affiliates is acting as an advisor or fiduciary by publishing any information contained in this site.

No Warranties
The information and materials contained in the Web site are provided "as is" without warranty of any kind, either express or implied, including without limitation, any warranty of accuracy, adequacy or completeness of the information and materials, title, non-infringement of third party rights, merchantability, fitness for a particular purpose and freedom from computer virus.

Limitation of Liability
In no event will Seaside or any of its subsidiaries or affiliates be liable for any damages, losses or expenses, including without limitation, direct or indirect, special, incidental or consequential damages arising in connection with this Web site, use thereof or reliance on any information contained herein, even if Seaside or any of its subsidiaries or affiliates are notified of the possibility of such damages.

Choice of Law, Unenforceability
Your access to and use of this Web site, and these terms, are governed by and will be construed in accordance with the laws of the State of Florida, without regard to principles of conflicts of laws. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

Business Internet Banking Disclosure Information
System hours of operation are generally 24 hours a day, seven days a week. Scheduled maintenance may occur on Sunday from 2 a.m. to 9:00 a.m. EST.

• Customer Support
  Operational Support is available on business days at 1-800-593-4345 from 8:00 a.m. to 8:00 p.m. Eastern Time. Additional customer support is available on business days at 407-567-2222 from 8:00 a.m. to 5:00 p.m. Eastern Time via mail message within the system entitlement menu under Customer Support and Contact Us.
• Business Days
  Business days are Monday through Friday except federal holidays. Transactions initiated on Saturday, Sunday or any federal holiday will be processed by Seaside on the next business day.
• Account Access
  Subject to the terms of the Business Internet Banking Service Agreement, you will generally be able to access your accounts through the bank website 24 hours a day, seven days a week. At certain times, Internet Banking may not be available due to scheduled system maintenance or circumstances beyond our control. Account access may be gained by calling Seaside's Customer Service during regular business hours. Scheduled downtime for routine system maintenance will be performed on Sundays between the hours of 2:00 a.m. and 9:00 a.m. Eastern Time. The following services are subject to the following cutoff hours (Eastern Time) on business days:
• Wire Transfers
  Domestic — 4:00 p.m.
  International — 2:30 p.m.
• ACH payment and collection — 4:00 p.m.
• Stop payment — 11:00 p.m.
• Bill payment — 9:00 p.m.
• Book/Express transfer — 11:00 p.m.
• Termination
  Either you or Seaside may terminate these arrangements at any time by giving written notice to the other. The termination is effective immediately upon Seaside's receipt of your written notice to terminate or Seaside's mailing you of its written notice to terminate. These arrangements will be governed by and construed in accordance with the laws of Florida.

Date: June 2009

I. Purpose
The Emergency Economic Stabilization Act of 2008 as amended by the American Recovery and Reinvestment Act of 2009 requires each recipient of funds under the Capital Purchase Program (CPP) or the Troubled Assets Relief Program (TARP) to have in place a policy regarding excessive or luxury expenditures as identified by the Secretary of the Department of the U.S. Treasury.

This policy is not intended in any way to limit or restrict the normal and customary expenditures for business development, employee training, retention, morale, or the ongoing operation of the company. It is critical for Seaside National Bank & Trust to maintain its branding integrity and for delivery of the Seaside client experience.

II. Person Affected
All persons employed by Seaside National Bank & Trust.

III. Policy
Seaside National Bank & Trust is characterized by high ethical, moral and business standards. Our bank focus is on the "Client Experience" and doing what is right. It is the expectation that the conduct and actions of all Seaside Professionals be aligned with this focus. For its Officers, Directors and Professionals, Seaside National Bank & Trust's policy prohibits excessive luxury expenditures outside of its well defined strategic plan. These may include excessive expenditures on entertainment or events, office and facility renovations, aviation or other transportation services, or other activities or events that are not reasonable expenditures for staff development, reasonable performance incentives, or other similar measures conducted in the normal course of business operation.

Entertainment is defined as an activity that a professional or executive would use company funds for business development purposes relating to current customer(s) or prospective customer(s) or to further enhance the Company's marketing efforts.

The expectation is that all expenses incurred on behalf of the bank would be for company purposes and used to cultivate business for the bank. Reasonable events and entertainment involving customers is a necessary part of the Company's marketing efforts and is not deemed as a violation of this policy.

Office and facility renovations should be relative to Seaside's branding initiative and client experience. It is important for the company to protect its branding efforts. Spending on office and facility renovations should be aligned with the client experience and efforts to deliver excellent service.

Transportation/travel for Seaside professionals for company business should be conducted in the most cost appropriate way for the bank. The finance department will determine which mode of transportation is the most appropriate for the Company and its Shareholders. Modes of transportation to be used may consist of vehicle, commercial air service and private air service. A determination of transportation analysis should factor in cost, efficiency and timeliness of travel.

Expenses for activities or events should enhance Seaside Professional staff development, provide reasonable performance incentives for employees or otherwise be conducted in the normal course of operating our business.

IV. Expenditure Approvals
In accordance with Finance procedures, senior management will approve all expenditures for their area of responsibility. These expenses will be reviewed by Finance prior to reimbursement.

Any new capital expenses or an expense out of the normal day to day operation of business is reviewed and approved by the CEO or CFO prior to the expense being incurred.

The CFO certifies all expenditures via the check signing process.

V. Practice
All Seaside Professionals are expected to act in accordance with this policy in practice and in spirit. It is expected that all business decisions be made with the benefit of all of our constituents in mind: clients, shareholders, fellow teammates and community.

It is the responsibility of all Seaside Professionals to report any violations of this policy to the CEO, CFO or the Director of Human Capital. Upon learning of any alleged violation, Seaside management will promptly investigate the matter and take appropriate steps, which may include disciplinary action up to and including termination of employment.

This policy will be approved by the Board of Directors annually.

VI. Revisions
Seaside National Bank & Trust reserves the right to cancel or modify this policy, at its sole discretion, at any time. The CEO, CFO or the Director of Human Capital must approve revisions to this policy. The Board of Directors will review and have final approval of any revisions.

VII. Contact
Any questions regarding this policy should be directed to the Finance, Compliance or Human Capital Departments.

Date: March 2010

I. Purpose
The Emergency Economic Stabilization Act of 2008 as amended by the American Recovery and Reinvestment Act of 2009 requires each recipient of funds under the Capital Purchase Program (CPP) or the Troubled Assets Relief Program (TARP) to have in place a policy regarding excessive or luxury expenditures as identified by the Secretary of the Department of the U.S. Treasury.

This policy is not intended in any way to limit or restrict the normal and customary expenditures for business development, employee training, retention, moral, or the ongoing operation of the company. It is critical for Three Shores Bancorporation, Inc. to maintain its branding integrity and for delivery of the Three Shores client experience.

II. Person Affected
All persons employed by Three Shores Bancorporation, Inc.

III. Policy
Three Shores Bancorporation, Inc. is characterized by high ethical, moral and business standards. Our bank focus is on the "Client Experience" and doing what is right. It is the expectation that the conduct and actions of all Three Shores Professionals be aligned with this focus. For its Officers, Directors and Professionals, Three Shores Bancorporation, Inc.'s policy prohibits excessive luxury expenditures outside of its well defined strategic plan. These may include excessive expenditures on entertainment or events, office and facility renovations, aviation or other transportation services, or other activities or events that are not reasonable expenditures for staff development, reasonable performance incentives, or other similar measures conducted in the normal course of business operation.

Entertainment is defined as an activity that a professional or executive would use company funds for business development purposes relating to current customer(s) or prospective customer(s) or to further enhance the Company's marketing efforts.

The expectation is that all expenses incurred on behalf of the bank would be for company purposes and used to cultivate business for the bank. Reasonable events and entertainment involving customers is a necessary part of the Company's marketing efforts and is not deemed as a violation of this policy.

Office and facility renovations should be relative to Three Shores's branding initiative and client experience. It is important for the company to protect its branding efforts. Spending on office and facility renovations should be aligned with the client experience and efforts to deliver excellent service.

Transportation/travel for Three Shores professionals for company business should be conducted in the most cost appropriate way for the bank. The finance department will determine which mode of transportation is the most appropriate for the Company and its Shareholders. Modes of transportation to be used may consist of vehicle, commercial air service and private air service. A determination of transportation analysis should factor in cost, efficiency and timeliness of travel.

Expenses for activities or events should enhance Three Shores Professional staff development, provide reasonable performance incentives for employees or otherwise be conducted in the normal course of operating our business.

IV. Expenditure Approvals
In accordance with Finance procedures, senior management will approve all expenditures for their area of responsibility. These expenses will be reviewed by Finance prior to reimbursement.

Any new capital expenses or an expense out of the normal day to day operation of business is reviewed and approved by the CEO or CFO prior to the expense being incurred.

The CFO certifies all expenditures via the check signing process.

V. Practice
All Three Shores Professionals are expected to act in accordance with this policy in practice and in spirit. It is expected that all business decisions be made with the benefit of all of our constituents in mind: clients, shareholders, fellow teammates and community.

It is the responsibility of all Three Shores Professionals to report any violations of this policy to the CEO, CFO or the Director of Human Capital. Upon learning of any alleged violation, Three Shores management will promptly investigate the matter and take appropriate steps, which may include disciplinary action up to and including termination of employment.

This policy will be approved by the Board of Directors annually.

VI. Revisions
Three Shores Bancorporation, Inc. reserves the right to cancel or modify this policy, at its sole discretion, at any time. The CEO, CFO or the Director of Human Capital must approve revisions to this policy. The Board of Directors will review and have final approval of any revisions.

VII. Contact
Any questions regarding this policy should be directed to the Finance, Compliance or Human Capital Departments.