You Succeed. We Succeed.

You Succeed. We Succeed.

Our Values The First Partners Way Build partnerships of service. Build partnerships of trust. Build partnerships of integrity. Build partnerships of respect. Build partnerships of innovation. Build partnerships of spirit. About First Partners Bank First Partners Bank was formed in October 2007 as SouthCity Bank. In March 2012 the bank changed its name to First Partners Bank to more clearly define the mission of partnering with our customers. Along with a dynamic new logo and reinvigorated brand, the new name is a clear reflection of First Partners core purpose-we are bankers, but first and foremost we are partners-a mindset that guides everything we do. First Partners Bank has experienced growth every year since its inception. This can be attributed to our commitment to internal core competencies and a continued focus on operational excellence and customer service. By operating in a lean framework and eliminating non-value added activities, we are able to serve our customer s financial needs in a very competitive way. We take a proactive approach to compliance and risk management to ensure that we are meeting the needs of our customers while also protecting their interests. In 2010, First Partners Bank was the only bank with a presence in the metro Birmingham area to achieve perfect five-star safety ratings in the fourth quarter from Florida-based research firms Bauer Financial and Bankrate.com. First Partners Bank has again achieved this coveted 5-Star rating.

Roy Swayze Award, Alabama Historical Commission 2014 First Partners Bank and the firm Shannon Waltchack received the Roy Swayze Award for the restoration of 2121 Highland Avenue South, Birmingham. In an effort to retain its historical characteristics and appearance, they went to great lengths and expense to rehabilitate the First Partners Bank building to national standards. The building kept its designation in the National Register and owners were able to take advantage of national rehabilitation tax credits. Entrepreneur Spotlight, Birmingham Business Journal 2014 The 2014 Entrepreneur Spotlight award honors excellence among startups and small businesses across a range of industries from tech and real estate to retail and health care. First Partners Bank was among 15 companies in Birmingham recognized this year. Bauer 5 Star Rating 2014 Bauer analyzes the condition of financial institutions using key balance sheet information, profitability data, capital ratios and other factors. First Partners has consistently rated 5 stars. Community Bank of the Year, Small Business Administration 2013 Awarded the Community Bank of the Year, Small Business Administration, at the Alabama Small Business Administration s Lenders Conference. CEO of the Year, Small Business Category, Birmingham Business Journal 2013 Elam Holley, President and CEO, was recognized as CEO of the Year, Small Business Category. This award recognizes excellence among top executives in the Birminghamarea business community. The criteria for consideration are strong financial performance, tangible results and goals achieved a key role in the success of the business, and community involvement. Recognitions John S. Jemison Jr. Award, Birmingham Venture Club 2012 Considered Alabama s most prestigious award for high quality, fast-growth companies based in the Birmingham area. Major factors considered are the demonstration of a viable business model and outstanding sales growth. Birmingham s Largest SBA Lenders, Birmingham Business Journal 2012 First Partners Bank was among a few Birmingham-based banks that were among the largest lenders to Alabama companies through the U.S. Small Business Administration s 7(a) program, which is often used to establish a new business or to assist in business acquisitions. Community Bank of the Year, Small Business Administration 2011 Awarded the Community Bank of the Year, Small Business Administration, at the Alabama Small Business Administration s Lenders Conference. Community Bank of the Year, Small Business Administration 2010 Awarded the Community Bank of the Year, Small Business Administration, at the Alabama Small Business Administration s Lenders Conference. Our philosophy is simple We truly think of our customers as partners. When they win, we win. When they grow, we grow. When they celebrate, we celebrate. The bottom line is when our customers succeed, we succeed. This philosophy is at the core of our mission. You Succeed. We Succeed. 2

Leadership Elam P. Holley, Jr., Director, President and CEO Elam helped organize and launch First Partners Bank in October 2007 and has led the bank to growth of more than $207 million in assets. Elam has more than 40 years of banking experience and serves on multiple boards. Prior to joining First Partners Bank, he was the President and CEO of The Peoples Bank and Trust Company. Kenneth W. Till, EVP, CFO Kenneth Till has more than 23 years of experience in the financial services industry and is a member of the organizing group that founded First Partners Bank. Kenneth currently directs all financial and operational aspects of First Partners Bank, including treasury management, asset/liability management and investment portfolio management. Before joining First Partners Bank, Kenneth worked with Regions Financial Corporation serving as Senior Vice President and Assistant Comptroller. Art Freeman, EVP, Chief Lending Officer Art Freeman joined First Partners Bank in January of 2012 as the chief lending officer. He brings 12 years of experience in commercial real estate finance, including loan origination for development, construction, bridge and term facilities for multi-family, office, medical office, retail, industrial and self-storage properties. He has previously held leadership positions at BancSource Advisors, Red Mountain Bank and AmSouth Bank. Art received his B.A. in English from Columbia University and his M.B.A. from The University of Alabama. Scott Mathews, EVP, Chief Credit Officer Scott Mathews brings more than 28 years of experience in credit administration. He previously held leadership positions at ServisFirst Bank and First Commercial Bank. He received his M.B.A. from Samford University and his B.S. in Finance from The University of Alabama. Terry Pritchett, EVP, Risk Management Officer Terry Pritchett has more than 40 years of experience in risk management, internal auditing and regulatory compliance. She previously held leadership positions at SouthTrust Bank (Birmingham) and The Peoples Bank & Trust Company (Selma). She received her Accounting degree from Troy State University and holds several certifications in her area of expertise. 3

Board of Directors Mark Clark Dr. Clark serves on the Board of Directors of the Corporation and the Bank. Dr. Clark is an oral and maxillofacial surgeon practicing with Oral & Facial Surgery of Alabama, P.C. Christopher R. Cooper Mr. Cooper is the Chief Operating Officer and Owner of Boyd Bros. Trucking in Clayton, Alabama. Mr. Cooper has been with Boyd Bros. for 16 years. In addition, Mr. Cooper is active in various civic organizations. Richard A. Freese Mr. Freese serves on the Board of Directors of the Corporation and the Bank. Mr. Freese practices law, with offices in Birmingham, Alabama; Jackson, Mississippi; and Dallas, Texas. He is also general counsel of Freese Construction Company, with offices in Atlanta, Georgia; Orlando, Florida; and Austin, Texas. Elam P. Holley, Jr. Mr. Holley serves as President and CEO of the Corporation and the Bank. He also serves on the Board of Directors of the Corporation and the Bank. Mr. Holley has 40 years of banking experience in Alabama, having served as President and Chief Executive Officer of Peoples Bank and Trust Company and as President of the Birmingham Division for Peoples Bank and Trust Company. Kevin B. Kynerd Mr. Kynerd serves on the Board of Directors of the Corporation and the Bank. Mr. Kynerd is President of Bradford Building Company, Inc. Mr. Kynerd s prior banking experience includes serving as a member of the Young Executive Board of Compass Bank. Mr. Kynerd is active in business and civic affairs in Birmingham. Charles A. McCallum, III Mr. McCallum serves on the Board of Directors of the Corporation and the Bank. Mr. McCallum is an attorney practicing in the city of Vestavia Hills. Mr. McCallum is a Vestavia native and is a past president of the Vestavia Chamber of Commerce. Jane Solomon Ms. Solomon is the owner and President of Barlovento, LLC, a global government general contractor headquartered in Dothan, Alabama. Ms. Solomon is active in business and civic affairs in Alabama as well as Northwest Florida. William A. Visintainer Mr. Visintainer is the CEO and President of Atlas Welding Supply Co., Inc, headquartered in Tuscaloosa, Alabama. Mr. Visintainer is the President Elect of his industry s North American Trade Association, GAWDA. Mr. Visintainer was elected and served six years on the City Council for Vestavia Hills, where he continues to be active in community affairs. You Succeed. We Succeed. 4

Products & Services Personal At First Partners Bank, we provide all the checking and savings features expected from a bank, but with the mindset of a partner. So while our customers go about the business of life, we re working alongside them. Checking * Savings * Loans Business We have designed our business checking and savings accounts with the goal of helping businesses thrive. It means we provide options so that each business can find the account features that work best for them. Above all, it means providing friendly, one-on-one service that provides a positive banking experience. Checking * Savings * Loans Treasury Management * Merchant Services * Remote Deposit Capture Wealth Management Finding the right partner to help manage wealth, provide trust administration, build retirement plans for employees or selecting insurance products is important. Most people would agree that you would want a partner who takes the time to understand circumstances, needs and goals. At First Partners Bank we offer specialists who possess the depth of experience needed to make strong decisions about wealth and legacy. We believe that relationships should be based on trust and a shared vision of the future. Trust & Asset Management * Brokerage & Investment Services * Retirement Services Residential Mortgage Division We understand that every borrower has different needs. At First Partners Bank we offer a variety of products so that we can customize an approach to mortgage lending that is right for each individual situation. However, that is just the beginning. We also know that working through the process can be frustrating and overwhelming. We work with our borrowers each step of the way to help make the process of securing a mortgage is as simple and straightforward as possible. Conventional Fixed Rate Mortgages * FHA Mortgage Loans * VA Mortgage Loans Non-Conforming (Jumbo) Mortgage Loans * Construction Permanent 5

Locations First Partners Bank serves customers throughout Birmingham and surrounding areas. We currently have two branches located in the Vestavia and Southside areas. We also serve customers through online banking, remote deposit capture and soon will be offering an option for mobile banking. Highland Office 2121 Highland Avenue South Birmingham AL 35205 (205) 822-5500 Vestridge Commons Office 1360 Montgomery Hwy Vestavia Hills, AL 35216 (205) 705-1500 Branch hours for both lobby and drive-thru are Monday through Friday from 9:00 a.m. to 5:00 p.m. You Succeed. We Succeed. 6

The Tools for Success resources were developed to allow us to help business owners become more prepared as they face the economic and market challenges of today s competitive and changing business environment. We feel these resources are an effective way for us to truly partner with our customers and the community. Workshops Tools for Success Through partnerships forged with local public libraries, chambers of commerce and business community groups, we host a Small Business Workshop Series on topics such as social media, marketing, public relations, human resources and more. Blog Business owners learning how to build a marketing plan at the Homewood Public Library. Through partnerships with local business experts, we ve also developed an information blog where we periodically post articles and tips for small businesses. 7

Magazine Our biannual publication, Tools for Success magazine, includes features, articles and resources developed with the business owner in mind. We currently print 12,000 copies of the publication which is distributed through strategic rack locations and as a piggyback publication to Birmingham-area subscribers of Business Alabama. A digital copy of the magazine is also available for online viewing. Radio In partnership with local talk radio, we produce a series of radio segments that provide resources and interviews specifically designed to engage and educate small business owners. The segments are produced live with the audio made available online throughout the year. You Succeed. We Succeed. 8

What Our Customers Say About Us Charlotte Thompson and Jeana Lee Fleming Owners of Bella Bridesmaid Jeana Lee Fleming (left) and Charlotte Thompson (right) owners of Bella Bridesmaid Having served as bridesmaids 26 times between them, sisters Charlotte Thompson and Jeana Lee Fleming found their business fit when they opened their own boutique, Bella Bridesmaid. Charlotte and Jeana chose First Partners because they want a bank to treat them like they treat each bridesmaid who comes in for a fitting like someone special. Like a partner. We wanted personal service, and they make it super easy to do business with them, Charlotte says. Andy Schroeder President of South Central Steel When the former owner of South Central Steel began dropping hints that he wanted to retire and sell the company, then employee Andy Schroeder recognized a chance to be his own boss and purchased the company in December 2012. Andy Schroeder, President of South Central Steel Knowing he was going to need a banking partner to help navigate the purchase, Andy called First Partners Bank. The experience at First Partners Bank was personal. Their team was intimately involved with every step of the process, he says. For me, it s been about having a relationship with a bank that works with me on a personal level, without that disconnected feeling you have at the bigger banks. Price Hightower, President Tower Development, Inc. Price Hightower (right) with Chris Cotton, VP Construction Lending at First Partners Bank Tower Development, Inc. builds about 100 new homes each year, and getting the best financing to cover construction costs is a top priority to President Price Hightower. First Partners Bank has taken the time to get to know us. They are extremely responsive, and we get a quick turnaround on lending decisions, Price says. They understand trends in the marketplace, and I trust their advice. 9

Financial Summary Since its inception, First Partners Bank has seen continued growth and success. In addition to moving into our new headquarters in the fall of 2013, we have also added team members and additional lines of business. We believe that this success has been possible because of the strength of our partnerships with the community, our employees and our customers. 2014 Total Assets Equity $ 207 million $ 27 million Capital Ratios Tier 1 Leverage Ratio Tier 1 Risked-Based Capital Ratio Total Risk-Based Capital Ratio Net Income Efficiency Ratio Assets Under Management 13.04% 16.14% 17.17% $ 2.3 million 63.61% $ 270 million In the end, all business operations can be reduced to three words: people, product and profits. Unless you ve got a good team, you can t do much with the other two. -- Lee Iacocca You Succeed. We Succeed. 10

For Investor Information Elam Holley President/ CEO 205.705.1670 eholley@firstpartnersbank.com Kenneth Till Chief Financial Officer 205.705.1671 ktill@firstpartnersbank.com 205.822.5500 www.firstpartnersbank.com 2121 Highland Avenue South Birmingham, Alabama 35205 First Partners Bank Member FDIC.