Tennessee Commerce Bancorp, Inc. (the ‘‘Corporation’’ or ‘‘we’’ or ‘‘us’’) is a Tennessee corporation
that was formed as a bank holding company to own the shares of Tennessee Commerce Bank (the
‘‘Bank’’). The Bank commenced operations as a Tennessee state chartered bank on January 14, 2000, and
is a full service financial institution headquartered in Franklin, Tennessee, 15 miles south of Nashville,
Tennessee. Franklin is in Williamson County, one of the most affluent and rapidly growing counties in the
nation. The Bank conducts business from a single location in the Cool Springs commercial area of
Franklin. The Bank had total assets at December 31, 2010 of $1.5 billion. Although the Bank offers a full
range of banking services and products, it operates with a focused ‘‘Business Bank’’ strategy. The Business
Bank strategy emphasizes banking services for small- to medium-sized businesses, entrepreneurs and
professionals in the local market. The Bank competes by combining the personal service and appeal of a
community bank institution with the sophistication and flexibility of a larger bank. This strategy distinguishes
the Bank from its competitors in efforts to attract loans and deposits of local businesses. In
addition, the Bank accesses a national market through a network of financial service companies and
vendor partners that provide indirect funding opportunities for the Bank nationwide.