Intervest Bancshares Corporation (IBC) is a financial holding company. IBC is the parent company of Intervest National Bank (INB) and Intervest Mortgage Corporation (IMC). IBC’s primary business is the ownership and operation of its subsidiaries. It does not engage in any other substantial business activities other than a limited amount of real estate mortgage lending, including the participation in loans originated by INB. INB is a nationally chartered commercial bank, which conducts a personalized commercial and consumer banking business that attracts deposits from the general public in the areas served by its banking offices. INB also provides Internet banking services through its Website: www.intervestnatbank.com, which also attracts deposit customers from outside its primary market areas. IMC’s lending business has been focused on the origination of first and junior mortgage loans secured by commercial and multifamily real estate.