Terme Bancorp (TMEB) CEO Letter Highlights Growing Opportunities in Underbanked Consumer Population

Terme Bancorp, a holding company engaged in money services and consumer behavior initiatives via four subsidiaries, this morning issued a corporate update letter from its CEO, John G. Yedinak.

To shareholders and the investment community:

Since Terme has recently become current with its financial reporting and increased its share capitalization to facilitate growth, this is an optimal time to update current and potential shareholders on our business operations and vision for the future.

Terme Bancorp’s primary mission is to provide economic inclusion for a large segment of the population that is underserved or rejected by banks and other financial institutions due to their ethnicity, poor credit or prior banking history. Terme Capital’s core business is to provide global electronic money services to consumers by offering general-purpose reloadable (GPR) cards that are sponsored by affinity groups.

The Company collects a small transaction fee for every consumer transaction using our GPR cards and we expect to experience early success and generate steady revenue growth in this area of our business based on the rapid growth occurring in the electronic currency market.

Targeted affinity groups for our prepaid cards include charitable, religious, entertainment, athletic, corporate, social, and government organizations. Terme is currently working with these organizations to enable them to offer the general public, their members and employees tools for personal financial empowerment and inclusion.

The Company’s affinity relationships will be unique to every entity but have a common revenue sharing component with a portion of the proceeds specifically directed to support the social and philanthropic initiatives of the affinity partner. Terme Bancorp intends to enter into strategic celebrity endorsements as well as pledge our support for US military veterans via our GPR card agreements.

Utilizing the most secure chip technology, Terme’s GPR cards will give consumers the ability to access and transfer currency globally at affordable rates while adhering to the strictest regulatory guidelines. Our pre-paid reloadable cards will be very popular because they allow economic inclusion for consumers who may otherwise be unable to engage in basic transactions such as paying bills online, making hotel reservations or renting a car.

Consumers can also access their balances and activity from any internet-capable device in real time, in addition to cash management and financial planning tools, with our cards. GPR prepaid cards are one of the fastest-growing areas of consumer finance as the prepaid industry as a whole has experienced tremendous growth over the past few years. There are at least 68 million Americans who are unbanked or underbanked, according to a 2012 report issued by the FDIC.

According to the 2013 ‘Analysis of General Purpose Reloadable Cards’ report by Bretton Woods Inc., GPR prepaid cards continue to have a cost advantage over basic checking accounts and provide a valuable and cost effective service for all consumers, particularly those classified as having a low to moderate income (LMI).

Due to the significant growth of the GPR card market and the Company’s affinity relationships, Terme plans to build a consistent and significant revenue stream and increase shareholder value while providing economic inclusion to underbanked and underserved consumers.

Sincerely,

John G. Yedinak

CEO

Terme Bancorp

For more information on Terme Bancorp, visit www.termebancorp.com\

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