Market Overview

Third Coast Bank SSB to Introduce Zelle® in Its Online Banking and Mobile App Platforms

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Zelle® Makes it Fast, Safe and Easy to Send Money Digitally to Those you Know and Trust With a Bank Account in the U.S.

THIRD COAST BANK SSB today announced that Zelle is now live in its online banking and mobile app platforms. Zelle is available in the digital banking experience of Third Coast Bank SSB. Zelle enables convenient digital payments for our mobile banking consumers at Third Coast Bank SSB. "We are extremely proud to offer such great technology like Zelle to our customers. It gives us the opportunity to be in the same arena with the big banks but with a more personal touch," said Bart Caraway, President and CEO.

The Zelle Network® includes financial institutions of all sizes. For more than 140 million consumers, Zelle is already available from the convenience of their mobile banking app, making digital payments a fast, safe and easy alternative to cash and checks. Money sent with Zelle moves directly from one bank account in the U.S. to another, using only a recipient's email address or U.S. mobile number. Funds are typically available within minutes when both parties are already enrolled with Zelle. Consumers who are not enrolled and receive a payment notification or a request for payment can enroll through their financial institution or by downloading the Zelle app if their financial institution does not participate. Third Coast Bank SSB consumers have access to a robust mobile banking app that uses the latest technologies including responsive display, customizable dashboard, fingerprint or face recognition, and functionality such as personal transfers, mobile deposits, and account opening within the app. Currently, consumers of Third Coast Bank SSB already experience the capability to utilize other banking products such as My360 View, a personal online financial management tool for spending, budgeting, and goal planning.

About Zelle®

Brought to you by Early Warning Services, LLC, an innovator in payment and risk management solutions, Zelle makes it fast, safe and easy for money to move. The Zelle Network® connects financial institutions of all sizes, enabling consumers to send fast digital payments to people they know and trust with a bank account in the U.S. Funds are available directly in consumer bank accounts generally within minutes when the recipient is already enrolled with Zelle. To learn more about Zelle and its participating financial institutions, visit http://www.zellepay.com.

About Third Coast Bank SSB

Third Coast Bank SSB was established in March of 2008 by a group of local organizers seeking to create a relationship oriented bank committed to personal service and community contribution. We distinguish ourselves by anticipating and exceeding the expectations of our customers, building sustainable partnerships, maintaining the highest standards of ethical business conduct, being aware of and responsive to the needs of our community, and always being mindful of the fact that customers have a choice.

Our approach is to be the best bank by offering the latest, state of the art technology, sophisticated banking tools and products including a high tech suite of treasury management solutions with our personal touch and community banking service. We know it's personal to you, that's why our relationship bankers will always be available to talk to you.

Third Coast Bank is proud to be locally owned with grassroots values and an entrepreneurial spirit. Our employees are empowered to do the right thing and encouraged to make a difference in our communities. It has been said that we are the "grease in the economic engine" as we have helped numerous businesses grow and profit. Those profits allow our customers more freedom for "doing good in their communities."

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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