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Banking Services Portfolio


Heather Wertz, Pine Ridge Office Teller

The cookie bank is back!

We pride ourselves on our superior customer service. We invite you to experience it and see that little things make a big difference. Meet our staff of experienced professional and enjoy some freshly baked cookies and refreshments.


About Us

At First National Bank of the Gulf Coast, we pride ourselves on being the premier community bank in Southwest Florida. We opened our doors on October 26, 2009 and are proud to be the bank of choice in our community. We practice the Golden Rule and are committed to providing you with the highest level of superior customer service available. Our personal bankers are the most highly-qualified and experienced banking professionals you’ll find anywhere, most of whom were an essential part of the former First National Bank of Florida. The bank’s executive management team, led by Gary Tice, Chairman and CEO, and Garrett Richter, President, have strong ties to the community we serve. First National Bank of the Gulf Coast is headquartered in Collier County, with all of our decisions being made locally. We proudly support various local organizations and charitable causes throughout Southwest Florida. We offer a full array of banking services designed to meet the needs of personal and commercial customers. We utilize state-of-the-art technology to deliver sophisticated financial products and services, many of which are offered through our cash management electronic banking. At First National Bank of the Gulf Coast, our financial experts have skills from lending to cash management. We are committed to developing a strategy that will best serve your current financial needs, as well as expanding your business needs in the future.

Garrett Richter, President, and Gary Tice, Chairman and CEO, shake hands on First National Bank of the Gulf Coast’s opening day, October 26, 2009.

First National Bank of the Gulf Coast’s strategic plan is to expand our business model of superior customer service into the Tampa Bay and Central Florida regions. Brian Keenan, a 25-year banking veteran in the Tampa Bay area, joined the First National team of bankers in 2011. His primary focus is leading the bank’s expansion efforts in Tampa Bay and the neighboring market areas. Currently, Brian is providing both lending and cash management services to the Tampa Bay area. Upcoming plans for Tampa Bay include the opening of a full-service retail banking center within the near future. First National Bank of the Gulf Coast aspires to be the premier community bank in current and future markets. Voted Southwest Florida’s Best Bank two years in a row! We were also awarded a star for Best Mortgage Lender!

• Free Electronic Banking and Bill Pay • Free 24-Hour Mobile Banking • Free E-statements • Free Debit Card with Picture ID • Free Unlimited Withdrawals from Any ATM Worldwide • Free Notary Services


Locations

Corporate Headquarters

3580 Pine Ridge Road Naples, Florida 34105 239-348-8000

Lobby Monday-Thursday 9:00 am-4:00 pm Friday 9:00 am-5:00 pm Drive-thru Monday-Thursday 8:00 am-5:00 pm Friday 8:00 am-6:00 pm Saturday 8:30 am-12:00 pm

811 Anchor Rode Drive Naples, Florida 34103 239-649-6000

Lobby Monday-Thursday 9:00 am-4:00 pm Friday 9:00 am-5:00 pm Drive-thru Monday-Thursday 8:00 am-5:00 pm Friday 8:00 am-6:00 pm Saturday 8:30 am-12:00 pm

690 Bald Eagle Drive Marco Island, Florida 34145 239-642-1166

Lobby Monday–Thursday 9:00 am-4:00 pm Friday 9:00 am-5:00 pm

1255 Creekside Parkway Naples, Florida 34108 239-593-5522

Lobby Monday–Thursday 9:00 am-4:00 pm Friday 9:00 am-5:00 pm Drive-thru Monday–Thursday 8:30 am-4:30 pm Friday 8:30 am-5:00 pm

Corporate Headquarters 3560 Kraft Road Naples, Florida 34105 877-763-0244 www.fnbofgc.com

Contact a team member to schedule a meeting today! • Jose Cuadrado, Pine Ridge Office Branch Manager, 239-325-5713, josecuadrado@fnbofgc.com • Mike Dunzelman, Anchor Rode Office Branch Manager, 239-325-5712, mikedunzelman@fnbofgc.com • Sandy Tarquino, Creekside Office Branch Manager, 239-593-5522, sandratarquino@fnbofgc.com • Tom Wagor, Marco Island Office Branch Manager, 239-642-1166 tomwagor@fnbofgc.com • Aliette Pettay, Retail Banking Administrator, 239-325-5710, aliettepettay@fnbofgc.com • Brian Keenan, Loan Production Office Regional President, 813-891-9029, briankeenan@fnbofgc.com


Electronic Banking and Mobile Deposit

First National Bank of the Gulf Coast's Mobile Deposit Coming 4th Quarter 2012! Depositing your checks is now as easy as taking a picture! With our new remote deposit capture product, there is no longer a need to drive to the bank to deposit your checks. By simply snapping a picture of the front and back of your endorsed check with your smart phone and following the simple steps of the app, your check will be quickly and easily deposited into your First National Bank of the Gulf Coast account. It’s safe, secure, and best of all—it's free!

Kay Chesser, Anchor Rode Office Customer Service Officer

At First National Bank of the Gulf Coast, we pride ourselves on being on the cutting edge of technology. We encourage all of our customers to Go Paperless with our E-statements and electronic banking. Up to 3 years of bank statements are available 24 hours a day, 7 days a week through on our user-friendly electronic banking site.

Our Full Suite of Electronic Banking Products Includes… • Online banking • Bill pay • E-statements • Mobile banking for iPhone/Android devices • Bank-to-bank transfers • Real time balances • E-mail alerts • And much more

Kristi Willems, Marco Island Branch Operations Officer

Additional services for business customers are offered through cash management electronic banking.


Business Lending

Local Lending Decisions. Extensive Market Knowledge. First National Bank of the Gulf Coast is committed to providing financial solutions to businesses in the communities we serve. That’s why we offer a wide range of flexible and sophisticated financing options for short-term, seasonal and long-term borrowing needs. Here’s What You Receive with Any Business Loan… • Personalized attention • Prompt, courteous service • Experience in various business industries

Contact a commercial lending team member to schedule a meeting today! • Ron Rucker, EVP Senior Loan Officer 239-325-3733, ronrucker@fnbofgc.com • Brian Keenan, Loan Production Office Regional President, 813-891-9029, briankeenan@fnbofgc.com • Bill Grauel, SVP Commercial Lender 239-325-3732, billgrauel@fnbofgc.com • Mike Kozak, SVP Commercial Lender 239-325-3731, mikekozak@fnbofgc.com • Geoff Cross, SVP Commercial Lender 239-325-3739, geoffcross@fnbofgc.com • Charles Sammons, SVP Commercial Lender 239-325-3738, charlessammons@fnbofgc.com • Joy Robinson, VP Commercial Lender 239-325-3742, joyrobinson@fnbofgc.com

Summary of Loans Provided… • Working capital lines of credit • Equipment financing • A/R and inventory financing • Letters of credit • Owner occupied real estate loans • Non-owner occupied real estate loans • Construction/permanent loans • Real estate loans (investment) • Commercial leases • Association lending

Ron Rucker

Brian Keenan

Bill Grauel

Mike Kozak

Geoff Cross

Charles Sammons

Joy Robinson


Title Closing Services

Title and Closing Services First National Bank Title & Closing Services, Inc. provides a full range of title insurance protection and professional settlement services to borrowers, sellers, purchasers, lenders and realtors throughout the Southwest Florida area. As a wholly-owned subsidiary of First National Bank of the Gulf Coast, we understand all aspects of title insurance and the closing process, including the often burdensome and ever-changing regulatory environment. Our knowledge and experience help us navigate the complicated closing process while providing superior customer service and peace of mind that our customers real property interests are protected. All title and closing transactions are conducted by a Florida Board Certified real estate attorney. Title Insurance and Settlement Services Include…

Contact a title company team member to schedule a meeting today! • Tracy Coghill, Title Company President 239-325-3723, tracycoghill@fnbofgc.com • Gigi Duggan, Administrative Assistant 239-325-3724, gigiduggan@fnbofgc.com

• Residential and commercial transactions • Real estate purchase and sale transactions • Refinance or cash-out equity transactions Other Services Include… • Title search reports • Document preparation and recording • Escrow services

Tracy Coghill

All title insurance policies are underwritten by Old Republic National Title Insurance Services, the underwriter with the highest financial strength rating in the title insurance industry.


Residential and Consumer Lending

Local Lending Decisions. Extensive Market Knowledge. Jumbo Mortgages We specialize in the luxury homebuying market. Jumbo mortgages are the perfect way to finance the luxury home of your dreams. Whether you are purchasing or refinancing, we will work with you to tailor a lending plan to fit your needs. Home Mortgages With personal service from our experiences residential lending team, First National Bank of the Gulf Coast can make your home buying dreams a reality. We offer a variety of portfolio loan programs to suit your needs. Construction Loans Building a new home can be one of the most exciting times of your life, and also one of the most stressful. We try to take some of the stress out of this process by providing you with top-notch service from the beginning to the end of building your dream home. Contact a residential lending team member to schedule a meeting today! • Kevin Klimek, Director of Residential Lending 239-325-3751, kevinklimek@fnbofgc.com • Leticia Rocha, Assistant VP Residential Lending 239-325-3754, leticiarocha@fnbofgc.com

Kevin Klimek

Leticia Rocha

Home Equity Loans Unlock the value in your home with a Home Equity Loan or a Home Equity Line of Credit from First National Bank of the Gulf Coast. The money can be used for just about anything—from home renovations to medical expenses. Interest paid to you may be tax deductible. (Consult with your tax advisor to verify deductibility). Other Consumer Lending Options Include… • Auto loans • Personal credit lines • Personal credit loans • Lot loans • Mobile home loans • Credit cards Contact our consumer lending team to schedule a meeting today! Bill Reitz, SVP Consumer Lending Manager 239-325-3744, billreitz@fnbofgc.com

Bill Reitz


Cash Management Services

First National Bank of the Gulf Coast offers a suite of products and services designed for your business. Our stateof-the-art technology enables us to effectively compete in the Southwest and Central Florida markets and provides our customers with the most innovative products and services to simplify your business banking needs. Our treasury operations professionals are dedicated bankers who will work with you to customize and create solutions to successfully meet your business needs. Cash Management Electronic Banking A more sophisticated version of our basic online banking. We offer additional features such as direct deposit, wire transfers and multi-user access with varying levels of authority or functionality by specific user. Demo available at www.fnbofgc.com. • Access account information • Transfer funds between First National accounts • Setup multi-user access with varying levels of authority • Setup E-mail notification alerts • Download transactions to QuickBooks • ACH processing/direct deposit • Wire transfers with repetitive wire capabilities • Positive Pay to minimize check fraud losses • Account reconciliation ACH (Direct Deposit) Save time and money with electronic payment and deposit processing. Electronically deposit your employees’ paycheck directly to their bank accounts at the bank of their choice. Our business customers will benefit from the cost savings and efficiency of ACH processing. • Greater control of your organization’s cash position • Reduce the cost of paper checks • Allows customers multiple payment options • Setup recurring payments

Remote Deposit Capture (RDC) Simplify your banking by making deposits right from your desktop scanner. With a secure internet connection, you can scan checks for deposit, and they will be credited electronically to your First National Bank of the Gulf Coast account. Deposits made by 7:00 pm EST will receive same-day credit. It’s a quick and secure way to improve your operating efficiency. • Reduce check float, making funds available quicker • Later deposit processing hours of 7:00 pm EST • On-site training and implementation • Local support staff available to you during banking hours • Reduce the number of trips to the bank • Increase employee productivity in the office • Eliminate the need for costly courier services • Retrieve images of deposited check for life of account Lockbox Services Expedite your receivables by outsourcing your payment processing directly to First National Bank of the Gulf Coast. It’s a convenient and efficient way to process your deposited items. • Locally-owned and operated by First National Bank • Same day processing • Efficient mail receipt and processing • Expedient check collection and funds availability • Timely and accurate remittance details Other Cash Management Solutions Available… • Merchant services • Corporate credit cards and/or purchasing cards • Cash vault services • Payroll processing • Check imaging via CD-ROM • Zero balance accounts

The cash management team (John Dash, Beth DeAngelis and Nancy Ortega) use one of our most popular services—remote deposit capture.

Contact our cash management services team to schedule a meeting today! Nancy Ortega, SVP Director of Treasury Operations 239-325-3748, nancyortega@fnbofgc.com John Dash, Electronic Banking Officer 239-325-5614, johndash@fnbofgc.com Beth DeAngelis, Treasury Operations Administrative Assistant, 239-325-3734, bethdeangelis@fnbofgc.com


Personal Banking

Our commitment to superior customer service is apparent in our variety of quality banking options. To find out what account selection best suits your banking needs, please inquire with one of our friendly and experienced personal bankers. Totally Free Cash Back Checking The account that pays you to use your debit card! • 10¢ cash back for every credit/signature-based transaction conducted with your debit card. Cash back earned will post to your account at your statement cycle. If you close your account before your cash back has been credited, you will not receive the cash back earnings for the statement period. A 1099-MISC will be issued for annual cash back earnings of $600 or more. • No minimum daily balance requirement • No monthly service charges First Prime Checking Ideal for those who maintain moderate balances. • $100 opening balance requirement • No minimum daily balance requirement • Earns interest* • Limited to 6 transfers to another account by means of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer per statement cycle. Excludes in-person and ATM withdrawals. • No monthly service charge

**Earns interest* based on the following tiers… $0.01 to $4,999.99

$50,000.00 to $99,999.99

$5,000.00 to $24,999.99

$100,000.00 or more

$25,000.00 to $49.999.99

*Interest is compounded daily and credited monthly. **Interest rates are a percentage of the Prime Rate as published in The Wall Street Journal. Interest is compounded daily and credited monthly. For further account details, please visit www.fnbofgc.com or call 239348-8000 to speak to a personal banker.

Holly Burghardt, AVP Branch Operations Officer

First Student Checking Created for students and has no balance requirement. • For our students 16 to 21 years of age • No opening balance requirement • No minimum daily balance requirement Prime Checking Plus Interest bearing account for our customers ages 50 and older. • $100 opening balance requirement • No minimum daily balance requirement • No monthly service charge • Earns interest** • Free 3x10 safe deposit box (based on availability, as needed)


First Prime Money Market

First Prime Savings

Earn a competitive interest rate with a moderate balance. • $100 opening balance requirement • $2,500 minimum daily balance requirement • Earns interest** • Limited to 6 transfers to another account by means of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer per statement cycle. Excludes in-person and ATM withdrawals. • $10 monthly service charge if daily balance requirement is not maintained

Ideal for those who maintain a higher balance and seek a higher rate of return. • $100 opening balance requirement • $10,000 minimum daily balance requirement • Earns interest** • Limited to 6 transfers to another account by means of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer per statement cycle. Excludes in-person and ATM withdrawals. • $10 monthly service charge if daily balance requirement is not maintained

Certificates of Deposit and IRAs Make an investment for your future with a First National Bank of the Gulf Coast Certificate of Deposit. We offer a selection of maturity terms at competitive rates to assist you in reaching your financial goals. First Savings Ideal for those who need to have a flexible balance and wish to save money with a competitive interest rate. • $100 opening balance requirement • No minimum daily balance requirement • Earns interest* • Limited to 6 transfers to another account by means of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer per statement cycle. Excludes in-person and ATM withdrawals.

Mike Dunzelman, Anchor Rode Office Branch Manager

Investment Services Now more than ever, it is important to receive financial advice from a trusted source. We offer access to sophisticated financial products and services from Infinex Investments, Inc., member of FINRA/SIPC, including retirement planning, IRA rollovers, annuity reviews, income planning, 401(k) rollovers, business retirement plans, college funding plans, retirement plans and tax-advantaged investments.

For more information, contact… Mike Dunzelman, Financial Advisor and Anchor Rode Office Branch Manager 239-325-5712, toll-free 877-763-0244 mdunzelman@infinexgroup.com Securities offered through INFINEX INVESTMENTS, INC. Member of FINRA /SIPC. Infinex and First National Bank of the Gulf Coast are not affiliated. Not FDIC Insured. Not a deposit. Not guaranteed by the bank. Not insured by any government agency. Investment may go down in value.


Business Banking

At First National Bank of the Gulf Coast, we take your business seriously. Large or small, we understand that your business is unique, and that’s why we offer a variety of banking products to fit your company's specific needs. Small Business Checking Ideal for customers who maintain low balances and who have moderate needs for accessing funds. • $100 opening balance requirement • No minimum daily balance requirement • No monthly service charge • Limited to 150 transactions monthly (items deposited and items paid) 25¢ per item over 150 • Earns interest* Business Advantage Checking Ideal for customers who have a higher transaction rate. • $100 opening balance requirement • $10 monthly service charge • Limited to 300 transactions monthly (items deposited and items paid) 25¢ per item over 300 • Earns interest* Business Checking with Interest Ideal for businesses that maintain moderate balances and seek a higher rate of return. • $100 opening balance requirement • $1,000 minimum daily balance requirement • $10 monthly service charge if daily balance requirement is not maintained • Exclusively offered to sole proprietors, non-profit organizations and government entities

**Earns interest* based on the following tiers… $0.01 to $4,999.99

$50,000.00 to $99,999.99

$5,000.00 to $24,999.99

$100,000.00 or more

$25,000.00 to $49.999.99

*Interest is compounded daily and credited monthly. **Interest rates are a percentage of the Prime Rate as published in The Wall Street Journal. Interest is compounded daily and credited monthly. For further account details, please visit www.fnbofgc.com or call 239348-8000 to speak to a personal banker.

Kandy Trotta, Anchor Rode Office Teller

Commercial Checking Ideal for businesses who maintain higher balances and seek to manage their monthly service charges. • $100 opening balance requirement • $1,000 minimum daily balance requirement • $15 monthly service charge if daily balance requirement is not maintained • $15 monthly service charge • 35¢ per deposit • 10¢ per item deposited • 10¢ per item paid • Earnings credit allowance based on the investable balance; can be used to offset partial or full monthly service charges Business Prime Money Market Ideal for businesses that maintain moderate balances and seek a higher rate of return. • $100 opening balance requirement • $2,500 minimum daily balance requirement • Earns interest** • Limited to 6 transfers to another account by means of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer per statement cycle. Excludes in-person and ATM withdrawals.


Business Savings

My Association Banking

Ideal for those who do not wish to maintain a balance requirement. • $100 opening balance requirement • No minimum daily balance requirement • Earns interest* • Limited to 6 transfers to another account by means of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer per statement cycle. Excludes in person and ATM withdrawals.

At First National Bank of the Gulf Coast, we are aware of the unique needs of community associations and property management companies. We have dedicated banking professionals who specialize in addressing your needs.

Certificate of Deposit Make an investment in your future with a Certificate of Deposit. We offer a selection of maturity terms at competitive rates to assist you in reaching your financial goals. All Business Accounts Include… • Free electronic banking and bill pay • Free 24-hour mobile banking • Free E-statements • Free debit card • Free unlimited withdrawals from any ATM worldwide • Free notary services • Free remote deposit capture

Products and Services Offered... • My Association Lending • My Association Banking Checking with Interest* • My Association Banking Checking Money Market* • My Association Banking Certificate of Deposit* Specialized Services Available... • ACH origination • CDARS • Electronic banking with free bill pay • Lockbox • Online payments (ACH or credit card) • Remote deposit capture • Wire transfers Contact a team member to schedule a meeting today at 239-348-8000 or myassociationbanking@ fnbofgc.com.


First National Bank of the Gulf Coast Gives Back!

Annual Charity Golf Tournament Each October, First National Bank of the Gulf Coast hosts a charity golf tournament at Hideout Golf Club in Naples, Florida. All proceeds are split between two local children’s charities. Past recipients include: The Ricky King Children's Fund, Laces of Love, Youth Haven, Foster Care Council of SW Florida, Voices for Kids of Southwest Florida, Eden Autism Services Florida, Special Needs Children’s Fund of Collier County and Naples Equestrian Challenge. Since its inception in 2009, the tournament has raised over $100,000; the bank underwrites all operating expenses ensuring that every penny of each dollar raised goes to the chosen charitable cause.

2009 Recipient, The Ricky King Children's Fund

2009 Recipient, Laces of Love

2010 Recipient, Youth Haven

2010 Recipient, Foster Care Council of SW Florida

2011 Recipient, Voices for Kids of Southwest Florida

2011 Recipient, Eden Autism Services Florida

For more information, contact… Heather Tice, AVP Director of Marketing 239-325-5609, heathertice@fnbofgc.com Heather Tice


Free that pays you back!

The free checking account that pays you to use your debit card!

FREE CHECKING FOR LIFE! No Strings Attached.

Totally Free Cash Back Checking Also Includes:

No Minimum Balance, No Monthly Service Charges, Free Electronic Banking, Free Bill Pay, Free 24-Hour Mobile Banking, Free E-Statements, Free Debit Card With Picture ID and Free Unlimited ATM Withdrawals From Any ATM Worldwide

FOUR LOCATIONS TO SERVE YOU! www.fnbofgc.com

We will pay you 10¢ cash back on every debit card signature based transaction. (CREDITED MONTHLY)


3580 Pine Ridge Road Naples, Florida 34105 239-348-8000

Lobby Monday-Thursday 9:00 am-4:00 pm Friday 9:00 am-5:00 pm Drive-thru Monday-Thursday 8:00 am-5:00 pm Friday 8:00 am-6:00 pm Saturday 8:30 am-12:00 pm

811 Anchor Rode Drive Naples, Florida 34103 239-649-6000

Lobby Monday-Thursday 9:00 am-4:00 pm Friday 9:00 am-5:00 pm Drive-thru Monday-Thursday 8:00 am-5:00 pm Friday 8:00 am-6:00 pm Saturday 8:30 am-12:00 pm

1255 Creekside Parkway Naples, Florida 34108 239-593-5522

Lobby Monday–Thursday 9:00 am-4:00 pm Friday 9:00 am-5:00 pm Drive-thru Monday–Thursday 8:30 am-4:30 pm Friday 8:30 am-5:00 pm

Loryn Standifer, Director of First Impressions

690 Bald Eagle Drive Marco Island, Florida 34145 239-642-1166

Lobby Monday–Thursday 9:00 am-4:00 pm Friday 9:00 am-5:00 pm

Corporate Headquarters 3560 Kraft Road Naples, Florida 34105 877-763-0244 www.fnbofgc.com


FNB Banking Services Portfolio