Investment Services Mississippi National Banker’s Bank offers a full suite of investment products designed specifically for community banks. Our team of investment professionals utilize state-of-the-art software to bring large portfolio efficiencies to portfolios of all sizes. MNBB offers a fixed income bank dealer desk equipped to meet all of your investment needs. Our experienced portfolio managers have access to all of the major markets and primary dealers to ensure the best execution on all of your trades. Our services in this area include, but are not limited to, portfolio strategies and analysis, CD placement and purchasing, municipal underwriting, municipal lending, public funds management, trust preferred underwriting, and investment compliance. Investment Services Benefits: Access to bids and offers in any sector including: Treasury, Agency, Municipal, Mortgage, Money Market, or Corporate Security, market, and rate information and research services at your fingertips Unbiased recommendations and pricing Development of portfolio strategies regarding management of risk and tax reduction Asset/Liability Management MNBB brings the power of ALM4, a leading provider of planning software for commercial banks, to your bank. Using the same software as large money center banks, we give you the detailed analysis you need to effectively manage your bank for greater profitability. We work closely with you to analyze your ALM reports, develop policies, and communicate with your Board, ALM Committee, or regulators. Asset/Liability Management Benefits: ALM reporting, budgeting, and planning information available from one system at an affordable price Eliminate the need to maintain costly software within your bank Totally customizable reports, to include any graphics, numbers, ratios, or trends Access to experienced A/L strategists dedicated to serving your bank's needs Portfolio Accounting MNBB has a commitment to quality customer service that allows us to offer a cost effective Portfolio Accounting service using state-of-the-art technology. Our comprehensive service provides rapid and accurate information regarding your bank’s portfolio accounting. We serve over 200 community banks accounting for over 6,000 different securities. Portfolio Accounting Benefits: Personal attention from a team of knowledgeable individuals who can assist you at all times Integrated with safekeeping function, eliminating the need for duplicate notifications Internet accessible; reports are available three full working days before month end Always in compliance with the latest accounting regulations Safekeeping Our comprehensive safekeeping service provides rapid and accurate information relating to your bank’s securities. FNBB is an approved custodian for the State of Louisiana, State of Mississippi, State of Alabama, State of Arkansas, State of Florida as well as many other municipal depositors. We serve over 200 community banks maintaining over $13 billion par value in securities held. Safekeeping Benefits: Integrated with MNBB Portfolio Accounting, eliminating the need for duplicate notifications Fees related to the transfer of securities during the conversion process are waived Smooth transition during conversion with minimal demands on the time of your staff Internet access to all security information and activity Cash Sweep Your customers with high DDA balances are looking for interest on their excess balances. Our Cash Sweep solution, through AIM Money Market Mutual Funds, offers multiple investment options for swept balances giving customers a high degree of income, safety, and liquidity. Cash Sweep Benefits: Your bank retains and grows the relationship with your customer, to include cross-sell opportunities Your customer earns competitive money market rates with simplified cash management functions Your bank earns more income No cost to your bank for marketing assistance or other services Trust Preferred Securities Through several of our capital markets relationships, MNBB can assist you in issuing Trust Preferred securities for your bank. Trust Preferred Securities Benefits: Trust preferred counts as Tier 1 Capital Proceeds can be used to repurchase stock, provide acquisition financing, leverage the balance sheet, or support organic growth Interest-only for 30 years Nondilutive for existing shareholders Other Consulting Services In addition to our primary investment products, our staff of investment professionals can assist you and your staff in the following investment related areas: Independent ALM Review – We offer an in-depth review of your bank’s policies and procedures relating to ALM in accordance with requirements in the FDIC’s 1996 Policy Statement. This includes policy and compliance review as well as ALM model validation. Our review report provides recommendations for improvements, efficiencies, and information on benchmark industry practices. Tax Strategies – We can assist you in Sub-S conversion planning, bond swap analysis, and year-end tax planning. For more information about Investment services, please visit our Contact Us page or contact your business development representative at 800-421-6182.

Member FDIC