a message from the chairman and ceo

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2 a message from the chairman and ceo In 2007, Mutual of Omaha made a strategic investment in banking. With a distinguished history and a well respected brand, the company saw an opportunity to deliver complementary financial products and services to customers across the country. I m pleased to say Mutual of Omaha Bank is realizing that vision. We ve recruited top talent, developed a sound strategy and built a $6 billion bank. Key to our success has been our focus on relationships. At our core, we are a relationship bank. We truly get to know our clients as we take a long-term, solutionsbased approach to help them achieve their goals. This purpose was manifested across our organization in 2013: Our commercial banking team partnered with large and small businesses to meet their financing, cash management and payment processing needs. We provided real estate financing to individuals from coast to coast, offering a full suite of mortgage lending solutions. We launched a more robust online presence, allowing consumers in all 50 states to access competitive online mortgages, credit cards and deposit products. We remained the nation s leader in banking solutions for homeowner associations, providing deposit, cash management, financing and administrative support to help property managers grow and build strong communities. As our bank continues to mature, we will remain focused on these core competencies, delivering the value-added services our clients are looking for. And we will resolve to continue on a path of safe, sound and profitable growth. Our foundation is solid, our strategy clear and our future bright. We consider it a privilege to continue serving as your trusted banking partner. Jeffrey R. Schmid Chairman and Chief Executive Officer

3 built to serve our clients We are a relationship bank. Our greatest strength is found in the lasting relationships we have with our clients. Those relationships are the reason we exist and the filter through which we view every business decision. With that as our foundation, Mutual of Omaha Bank is focused on delivering best-in-class products and services within four primary areas of expertise: We supplement these four areas of focus with a comprehensive menu of banking solutions that can be customized for each client s specific needs. Customers who come to Mutual of Omaha Bank can expect industryleading talent, technology and service always delivered with a focus on long-term relationships. Commercial Banking Mortgage Banking ebanking Association Banking These are the pillars through which our relationship banking philosophy takes hold.

4 Owning and building a business is a highly personal endeavor. We offer the resources, technology and game-changing ideas to help our business partners thrive in today s competitive economy. Robert Strong Regional President East Region commercial banking Strength, Experience and Client-First From the beginning, commercial banking has been a core focus for Mutual of Omaha Bank. Our highly experienced bankers partner with businesses of all sizes to finance expansion and deliver the tools and technology to support their daily operations. We serve our commercial clients through a network of bank locations in key markets across the country. From these locations, we also serve individuals including business owners and their employees with personal banking, mortgage banking, private banking and wealth management solutions Highlights Provided more than $1 billion in new loan commitments to businesses of all sizes Committed more than $500 million in new commercial real estate financing Introduced Business Online Banking, a state-of-the-art Internet cash management tool Products & Services Deposit Accounts Credit and Debit Cards Commercial Lending Commercial Real Estate Treasury Management Services Small Business Solutions Private Banking and Wealth Management Personal Banking and Mortgage Banking For a complete list of our locations, visit mutualofomahabank.com We strive to be a one-stop shop for our clients. At Mutual of Omaha Bank, businesses and individuals have access to a full suite of banking solutions, delivered with a focus on long-term relationships. John Krusoe Regional President West Region

5 Financing a home is one of the most important financial decisions an individual makes. We handle each and every loan with the utmost care, providing the resources our clients are looking for and the service they deserve. mortgage banking Competitive Financing from a Strong Lending Partner Mike Fosdick Managing Director Mortgage Sales Home buyers across the United States have turned to Mutual of Omaha Bank as their trusted mortgage lender. Our experienced mortgage loan officers partner with each individual to ensure a smooth process from application to closing. We offer a full menu of financing options, competitive rates and the peace of mind that comes from working with a strong and stable bank Highlights Provided $1.3 billion in new mortgage financing Closed nearly 4,000 mortgage loans across 46 states Originated $32 million in loans through our exclusive Community First Home Loan program, which provides financing for low and moderate income borrowers in the communities we serve Products & Services Conventional Loans Refinancing Construction Loans Construction to Permanent Financing Jumbo Mortgages Second Mortgages Lot Loans Vacation Home Financing Bridge Loans FHA and VA Loans Community First Home Loan Program Visit mutualofomahabank.com to find a mortgage loan officer near you.

6 ebanking Convenient Banking Nationwide As consumers find new ways to manage their money, Mutual of Omaha Bank has invested in a robust online presence to meet our customers where they are with smart, convenient solutions. Through our ebanking channel, clients in all 50 states can access competitive online mortgages, credit cards and deposit products. This includes the millions of Mutual of Omaha insurance customers who already know and trust our brand Highlights Introduced Internet banking products nationwide Launched a brand new website Opened new deposit accounts in 41 states Products & Services Checking Accounts Money Market Accounts Credit Cards Mortgage Loans Today s consumers expect to bank on their terms, so we ve built an online experience that enables them to do just that. Our priority is to offer competitive rates and easy-to-manage accounts, backed by helpful and efficient service. Wendy Wilson Enterprise Director Consumer Banking Visit mutualofomahabank.com to find the Internet banking solution that s right for you.

7 association banking Specialized Community Services from the Nation s Leader Mutual of Omaha Bank is the largest provider of banking solutions for homeowner associations. Through our regional account executives and relationship managers, we offer financing, cash management and administrative support to help property managers and HOA boards grow and build strong communities Highlights Served thousands of HOAs and millions of homeowners in all 50 states Grew community association deposits by 7 percent and community association loans by 6 percent Opened new National Client Services Center in Phoenix to deliver best-in-class service and technology to associations nationwide Products & Services Community Association Deposit Accounts Community Association Lending High-Speed Payment Processing Internet Cash Management CDARS ICS HOA Business Cards Merchant Services CondoCerts Online Document Management The community association industry remains one of our highest priorities and a cornerstone of our strategy moving forward. Our team of experts takes a hands-on, consultative approach, establishing long-lasting relationships with our valued community association managers and HOA clients. Alan DeTata Managing Director Association Banking and CondoCerts Visit mutualofomahabank.com to find an Association Banking representative near you.

8 financial performance Statement of Condition (in thousands) $6 M $5 M $4 M $3 M $2 M $1 M balance sheet assets $ Cash & Due from Banks Investment Securities Total Loans Receivable Goodwill/Intangibles Other Assets Total Assets loan growth chart 4,018,488 4,607,126 4,978, , ,994 4,607, , ,498 $ 5,922, , ,273 4,978, , ,350 6,388,532 deposit growth chart $6 M $5 M $4 M $3 M $2 M $1 M 4,565,368 4,928,135 5,324, liabilities Deposits: DDA NOW Money Market Savings Time Accounts Total Deposits Borrowings & Other Liabilities Total Liabilities Capital Total Liabilities & Capital $ $ 929, ,504 2,218,621 60, ,139 4,928, ,049 5,240, ,634 5,922,818 1,006, ,294 2,390,739 71, ,857 5,324, ,721 5,684, ,978 6,388,532 Financial management reports are prepared in advance of regulatory financial statements and may not include minor adjustments and reclassifications appearing in those statements. Such differences are immaterial where they exist and this report adequately reflects the current financial position of the bank. leadership Board of Directors Jeffrey Schmid Chairman and Chief Executive Officer Mutual of Omaha Bank Frank Hayes Owner and President Hayes & Associates, LLC Edward Keller Former Chairman and Chief Executive Officer JP Morgan Chase Oklahoma Senior Leadership Jeffrey Schmid Chairman and Chief Executive Officer Marjorie Heller Chief Financial Officer Kevin Hale Chief Lending Officer Dwayne Sieck Chief Risk Officer Barry Major Executive Vice President Mortgage Banking Terry Kroeger President and Chief Executive Officer Omaha World-Herald Company George Little Chairman and Chief Executive Officer HDR, Inc. John Nahas President Corporate Management Consulting Matthew Minchow Executive Vice President National Banking M. Lynn Crane Executive Vice President Bank Operations and Services John Krusoe Regional President West Region Robert Strong Regional President East Region

9 Member FDIC MB232_0214 Mutual of Omaha Bank 3333 Farnam Street Omaha, Nebraska mutualofomahabank.com Equal Housing Lender EQUAL HOUSING