0001013796-10-000053 Sample Contracts

Re: Offer Letter
Tib Financial Corp. • October 6th, 2010 • State commercial banks • Florida

We are pleased to offer you continued employment pursuant to the terms of this letter agreement following the closing of the recapitalization of TIB Financial Corp. (the “Company”) and TIB Bank (the “Bank”) by North American Financial Holdings, Inc. (the “Transaction”) contemplated by the Investment Agreement dated as of June 29, 2010. If you chose to accept our offer, the following terms shall apply:

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September __, 2010 Michael H. Morris
Tib Financial Corp. • October 6th, 2010 • State commercial banks • Florida
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