Florida Gulf Bank

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BAN K~ The Power 0/ Personal Service

At Florida Gu/fBank, every member ofour professional banking staffand board ofdirectors shares the feeling that building relationships with our clients goes beyond mere words. We take the time to get to know JOu and understand Jour financial needs, so that we can tailor specific banking programs to meet those needs and accomplish Jour goals.

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Bill Valenti, President & CEO

Our independent bank is locally owned and managed, and each member of our team is an active member of our community. From the local Chamber of Commerce to

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various charitable, cultural and arts organizations, JOu will find our Florida Gu/f Bank team there by Jour side, participating in events and helping our area grow and thrive. We view this involvement as a natural extension of community banking, and a crucial component of our relationships with our customers. When you bank with us, you 're very likely banking with Jour neighbor, afellow PTO parent, or another member ofJourfovorite localorganization.

Pictured left to right: lohn Reingardt, Dennis Kucera, Bill Valenti, lohn Hodas, lohn Pritts

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Executive Vice President & Senior Loan Officer

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lohn Hodas, Senior Vice President & CFO

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Dennis Kucera, Senior Via President

At Florida GulfBank you '11 find business banking services designed to help your business grow. Why? Because as your independent, local bank, we think like you. Florida Gulf Bank is a community bank that has integrated The Power 01 Personal Service into its commercial banking program. Gur relationship managers are long-time experienced Lee County bankers, and they understand how important it is to build a business partnership with a client rather than simply complete a transaction. Like you, we live and work in this community and want to see it grow and prosper. Gur bankers are involved in all aspects

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leadership in Lee County, and we appreciate the contribution made by your business. Its success is vital to our local economy, and that is why we take the time to get to know your goals and plan how we can work together to achieve them. You willfind a community bank where a board made up

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local business leaders, just like you, makes prompt

and informed decisions. Decisions based on your needs, not based on a policy implemented by a distant market. From flexible checking accounts, /rom loans to deposits, to commercial money market investments, we have the tools necessary to tailor banking programs

to

help

accomplish

your goals and to help your company succeed.

Pictured left to right:

(Rear) Jay McGregor, Bill Roche, John Weaver,

Dennis Kucera, Bill Turner

(Front) Lisa Musho, Lourdes DeChoch, John Reingardt, Cecilia Jones, Beth Hendry

At Florida Gulf Bank, our team s commitment extends beyond 5

Personal Banking

p.m., and beyond the banks front doors. Inspired by a strong connection to the community, we extend our dedication to each customer by providing a complete selection of individualized, knowledge-based, innovative banking services. Gur skilIed team o[banking center managers is well-prepared to handle every aspect o[ your banking needs... quickly and professionally. Most importantly, every banking program can be customized to meet your specific needs. Every member ofthe Florida GulfBank team is trained to help you utilize the latest state-ofthe-art technology, programs and products in banking today.

Combined with the traditional values of service,

personal attention, commitment and flllow-through, this ensures the highest levelofservice, and thefinest banking experience available today.

Banking Center Managers piehtred left to right:

Personal Banking Services with

(Rear) Pefe D'Alessandro, Dana Kellermeier, Patty Canham

(Front) Lee Golden, Debra Mclntyre, Heather Chouinard,

Valerie Petracco

State-of-the-Art Technology:

On-fine Banking On-fine Bill Pay Service ATMslPresto Network & more Tefephone Banking On-fine Check Images On-fine Cash Management Equity Lines 0/ Credit Debit Cards Master Money TM

At Florida GulfBank, The Power 0/Personal Service is more than a motto - it's our culture. Dur staffis dedicated to providing a levelofservice that exceeds our clients' expectations. As a matter offact, we take The Power 0/ Personal Service

so seriously that we have established a special committee devoted to creating the perfect banking experience flr our clients. The Committee, comprised of individual bankers, meets regularly to review suggestions and input /rom our clients to forther improve our services. We recognize that clients are individuals, not numbers, and strive to cultivate mutually rewarding relationships. We want our clients to look forward to coming back. To us, exceptional customer service is truly meaningfuL Is it the fresh flowers in our offices? The way we speak to our clients and meet with them at their convenience? Perhaps it's simply our special talentflr anticipating our clients' needs before being asked. Most likely it's a combination ofall ofthese things and more - company-wide drive to provide

Pictured left to right:

(Rear) Patti-Anne Nicholson, Jim Rickards,

Karla Sherman, Debra Scott, Melanie Emmerich

(Front) Talisha Faber, Sharon Bessette, Beth Countryman (Committee Chair), Jackie Partlow, Cecilia Jones

superior customer service.

Personal Service '1t's all about the people. Our staff is fulfilled by providing exceptional customer service they can certainly be proud 0/ And our clients appreciate that their expectations are completely surpassed each and every timß they visit Florida GulfBank. That's The Power 0/Personal Service. " - Beth Countryman, Chairperson. The Power of Personal Service Committee

At Florida GulfBank, our goal is to provide comprehensive financial services flr our valued clients. That's why we have developed a professional investment services department, Florida Gulf Investments, to meet all your investment needs. The benefit to you? You receive the expertise ofprofessionals who understand your financial picture and can help you plan a cohesive program. Plus, the financial advisors combine their commitment to The Power

0/ Personal Service

with their

expertise, providing you with intelligent advice enhanced by a personal touch.

Investment Services indude:

Financial Advisors pictured left to right: Steve Stewart, Mary Petro, Bill Valenti jr. (Program Manager), Debra McIntyre, Lee Golden

Portfolio Review Mutual Fund Evaluation Asset Allocation Review Individual Stock Purchases 401(kj Advice Consolidated Brokerage Statements M unicipal Bonds Corporate Bonds U.S. Treasuries Variable Annuities IRAs Pension & Profit Sharing Plans On-line Brokerage Services Registered Representative 01securities, advisory services, and certain insurance products are offered through INVEST Financial Corporation, member FINRAJSIPC, a registered broker dealer and affiliated insurance agencies. INVEST is not affiliated with Florida GulfBank or Florirk GulfInvestments. Products are· not FDIC insured . not a tkposit or other obligation of, or guaranteed by any bank. subject to risks including the possible loss 0/ principal amount invested . not insured by any government agency.

Purchasing a building or new home is an event that one never undertakes lightly. It is a complex process, which invoives a long-term commitment 0/ time, energy and money. That is why it is important to choose a mortgage lender that takes the purchase 0/your new property as seriously as you do. Florida GulfBank s experienced loan officers are available to meet with you at any %ur locations, in your home or business, and at a time that is convenient to you. Its nice to know there is an independent, local bank that truly understands your mortgage needs. To the team at Florida GulfBank, you are a neighbor, notjust a name on an application. We offer aJUli range 0/ fixed and adjustable rate loans, and provide the expertise to tailor a mortgage loan to meet your needs.

Pictured: Doug Thrasher SVP Residential Lending

We look forward to welcomingyou to Florida Gu/fBank,

and to building a long-term and successfulfinancial relationship.

Our Board ofDirectors: College Pointe Banking Center 9101 College Pointe Court • Fort Myers, Florida 33919

(239) 332-4440 • Fax: (239) 332-4987

Downtown Fort Myers Banking Center 2247 First Street· Fort Myers, Florida 33901

(239) 332-3527 • Fax: (239) 226-4277

. Summerlin Crossing Banking Center

7580 Winkler Road • Fort Myers, Florida 33908

(239) 481-2875· Fax: (239) 481-5012

Daniels Falls Banking Center 8870 Daniels Parkway • Fort Myers, Florida 33912

(239) 225-7268 • Fax (239) 225-7981

Pictured left to right:

Dei Prado Banking Center

(Rear) Kevin M. Bums, Jarnes A. Dwyer, Jr., Jay A. Brett, Gregory M. Morris (Front) James W Moore, Chairman, Williarn P. Valenti, President & CEO

812 Dei Prado Boulevard South

Cape Cora!, Florida 33990

(239) 985-8120 • Fax (239) 242-1275

Colonial/Six Mile Banking Center 8341 Dani Drive

Fort Myers, Florida 33966

(239) 433-6020 • Fax: (239) 936-2098

Sandoval Banking Center 2546 Heydon Lane

Cape Coral, Florida 33991

(239) 433-6000 • Fax (239) 282-0241

Coconut Point Banking Center

23250 Via Villagio

Estero, Florida 33928

(239) 985-8140

Pietured left to right:

(Rear) John D. Fritts, Exeeutive Viee President, Stephen Maehiz, M.D.,

Howard E. Palen, F 'lohn Reingardt, Executive Vice President

(Front) R. Ernest Hendry, D.D.S., Amy B. Gravina, Lynn A. Kirby

(Not appearing in photo) Trudi K Williams, Michael M. Mitehell