Banking Services Portfolio

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.

The cookie bank i s back!

Heather Wertz, Pine Ridge Office Teller

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!

•FreeElectronicBankingandBillPay•Free24-HourMobileBanking•FreeE-statements•FreeDebitCardwithPictureID•FreeUnlimitedWithdrawalsfrom AnyATMWorldwide•FreeNotaryServices

CorporateHeadquarters

3580 Pine Ridge RoadNaples, Florida 34105239-348-8000LobbyMonday-Thursday 9:00 am-4:00 pmFriday 9:00 am-5:00 pmDrive-thruMonday-Thursday 8:00 am-5:00 pmFriday 8:00 am-6:00 pmSaturday 8:30 am-12:00 pm

811 Anchor Rode DriveNaples, Florida 34103239-649-6000LobbyMonday-Thursday 9:00 am-4:00 pmFriday 9:00 am-5:00 pmDrive-thruMonday-Thursday 8:00 am-5:00 pmFriday 8:00 am-6:00 pmSaturday 8:30 am-12:00 pm

1255 Creekside ParkwayNaples, Florida 34108239-593-5522LobbyMonday–Thursday 9:00 am-4:00 pmFriday 9:00 am-5:00 pmDrive-thruMonday–Thursday 8:30 am-4:30 pmFriday 8:30 am-5:00 pm

Contact a team member to schedule a meeting today!• JoseCuadrado,Pine Ridge Office Branch Manager, 239-325-5713, josecuadrado@fnbofgc.com•MikeDunzelman,Anchor Rode Office Branch Manager, 239-325-5712, mikedunzelman@fnbofgc.com•SandyTarquino,Creekside Office Branch Manager, 239-593-5522, sandratarquino@fnbofgc.com•TomWagor,Marco Island Office Branch Manager, 239-642-1166 tomwagor@fnbofgc.com•AliettePettay,Retail Banking Administrator, 239-325-5710, aliettepettay@fnbofgc.com•BrianKeenan,Loan Production Office Regional President, 813-891-9029, briankeenan@fnbofgc.com

Locations

690 Bald Eagle DriveMarco Island, Florida 34145239-642-1166LobbyMonday–Thursday 9:00 am-4:00 pmFriday 9:00 am-5:00 pm

Corporate Headquarters3560 Kraft RoadNaples, Florida 34105877-763-0244www.fnbofgc.com

Electronic Banking and Mobile Deposit

Depositingyourchecksisnowaseasyastakingapicture! 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!

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.

First National Bank of the Gulf Coast's Mobile Deposit Coming 4th Quarter 2012!

•Onlinebanking•Billpay•E-statements•MobilebankingforiPhone/Androiddevices•Bank-to-banktransfers•Realtimebalances•E-mailalerts•Andmuchmore

Our Full Suite of Electronic Banking Products Includes…

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

Kay Chesser, Anchor Rode Office Customer Service Officer

Kristi Willems, Marco Island Branch Operations Officer

Business Lending

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…

•Personalizedattention•Prompt,courteousservice•Experienceinvariousbusinessindustries

•Workingcapitallinesofcredit•Equipmentfinancing•A/Randinventoryfinancing•Lettersofcredit•Owneroccupiedrealestateloans•Non-owneroccupiedrealestateloans•Construction/permanentloans•Realestateloans(investment)•Commercialleases•Associationlending

Summary of Loans Provided…

Contact a commercial lending team member to schedule a meeting today!•RonRucker,EVP Senior Loan Officer 239-325-3733, ronrucker@fnbofgc.com•BrianKeenan,Loan Production Office Regional President, 813-891-9029, briankeenan@fnbofgc.com•BillGrauel,SVP Commercial Lender 239-325-3732, billgrauel@fnbofgc.com•MikeKozak,SVP Commercial Lender 239-325-3731, mikekozak@fnbofgc.com•GeoffCross,SVP Commercial Lender 239-325-3739, geoffcross@fnbofgc.com•CharlesSammons, SVP Commercial Lender 239-325-3738, charlessammons@fnbofgc.com• JoyRobinson,VP Commercial Lender 239-325-3742, joyrobinson@fnbofgc.com

Local Lending Decisions. Extensive Market Knowledge.

Mike Kozak Geoff Cross Charles Sammons

Joy Robinson

Ron Rucker Bill GrauelBrian Keenan

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.

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 and Closing Services

•Residentialandcommercialtransactions•Realestatepurchaseandsaletransactions•Refinanceorcash-outequitytransactions

Title Insurance and Settlement Services Include…

•Titlesearchreports•Documentpreparationandrecording•Escrowservices

Other Services Include…

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

Tracy Coghill

Title Closing Services

Residential and Consumer Lending

We specialize in the luxury homebuying market. Jumbomortgagesaretheperfectwaytofinancethe 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.

Jumbo 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.

Home Mortgages

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.

Construction Loans

Local Lending Decisions. Extensive Market Knowledge.

Contact a residential lending team member to schedule a meeting today!•KevinKlimek,Director of Residential Lending 239-325-3751, kevinklimek@fnbofgc.com•LeticiaRocha,Assistant VP Residential Lending 239-325-3754, leticiarocha@fnbofgc.com

Other Consumer Lending Options Include…•Autoloans•Personalcreditlines•Personalcreditloans•Lotloans•Mobilehomeloans•Creditcards

Unlock the value in your home with a Home Equity LoanoraHomeEquityLineofCreditfromFirstNational 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).

Home Equity Loans

Contact our consumer lending team to schedule a meeting today!Bill Reitz, SVP Consumer Lending Manager239-325-3744, billreitz@fnbofgc.com

Kevin Klimek Leticia Rocha Bill Reitz

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

Cash Management Services

First National Bank of the Gulf Coast offers a suite of products and services designed for your business. Our state-of-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 BankingA 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.•Accessaccountinformation•TransferfundsbetweenFirstNationalaccounts•Setupmulti-useraccesswithvaryinglevelsofauthority•SetupE-mailnotificationalerts•DownloadtransactionstoQuickBooks •ACHprocessing/directdeposit•Wiretransferswithrepetitivewirecapabilities•PositivePaytominimizecheckfraudlosses•Accountreconciliation

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.•Greatercontrolofyourorganization’scashposition•Reducethecostofpaperchecks•Allowscustomersmultiplepaymentoptions•Setuprecurringpayments

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.•Reducecheckfloat,makingfundsavailablequicker•Laterdepositprocessinghoursof7:00pmEST•On-sitetrainingandimplementation•Localsupportstaffavailabletoyouduringbankinghours•Reducethenumberoftripstothebank• Increaseemployeeproductivityintheoffice•Eliminatetheneedforcostlycourierservices•Retrieveimagesofdepositedcheckforlifeofaccount

Lockbox ServicesExpedite 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-ownedandoperatedbyFirstNationalBank•Samedayprocessing•Efficientmailreceiptandprocessing•Expedientcheckcollectionandfundsavailability•Timelyandaccurateremittancedetails

Other Cash Management Solutions Available…•Merchantservices•Corporatecreditcardsand/orpurchasingcards•Cashvaultservices•Payrollprocessing•CheckimagingviaCD-ROM•Zerobalanceaccounts

Contact our cash management services team to schedule a meeting today!Nancy Ortega, SVP Director of Treasury Operations239-325-3748, nancyortega@fnbofgc.comJohnDash,Electronic Banking Officer239-325-5614, johndash@fnbofgc.comBethDeAngelis,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.

*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 239-348-8000 to speak to a personal banker.

$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

**Earns interest* based on the following tiers…

The account that pays you to use your debit card!•10¢cashbackforeverycredit/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.A1099-MISCwillbeissuedforannualcash back earnings of $600 or more. •Nominimumdailybalancerequirement•Nomonthlyservicecharges

First Prime Checking

Totally Free Cash Back Checking

Ideal for those who maintain moderate balances.•$100openingbalancerequirement•Nominimumdailybalancerequirement•Earnsinterest*•Limitedto6transferstoanotheraccountbymeans of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer perstatementcycle.Excludesin-personandATM withdrawals. •Nomonthlyservicecharge

Holly Burghardt, AVP Branch Operations Officer

Created for students and has no balance requirement.•Forourstudents16to21yearsofage•Noopeningbalancerequirement•Nominimumdailybalancerequirement

First Student Checking

Prime Checking Plus

Interest bearing account for our customers ages 50 and older.•$100openingbalancerequirement•Nominimumdailybalancerequirement•Nomonthlyservicecharge•Earnsinterest**•Free3x10safedepositbox(basedonavailability,as needed)

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.

For more information, contact…MikeDunzelman,Financial Advisor and Anchor Rode Office Branch Manager239-325-5712, toll-free 877-763-0244mdunzelman@infinexgroup.com

First Prime Money Market

Earn a competitive interest rate with a moderate balance.•$100openingbalancerequirement•$2,500minimumdailybalancerequirement•Earnsinterest**•Limitedto6transferstoanotheraccountbymeans of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer perstatementcycle.Excludesin-personandATM withdrawals. •$10monthlyservicechargeifdailybalance requirement is not maintained

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.

Certificates of Deposit and IRAs

Ideal for those who need to have a flexible balance and wish to save money with a competitive interest rate.•$100openingbalancerequirement•Nominimumdailybalancerequirement•Earnsinterest*•Limitedto6transferstoanotheraccountbymeans of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer perstatementcycle.Excludesin-personandATM withdrawals.

First Savings

Mike Dunzelman, Anchor Rode Office Branch Manager

Ideal for those who maintain a higher balance and seek a higher rate of return. •$100openingbalancerequirement•$10,000minimumdailybalancerequirement•Earnsinterest**•Limitedto6transferstoanotheraccountbymeans of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer perstatementcycle.Excludesin-personandATM withdrawals.•$10monthlyservicechargeifdailybalance requirement is not maintained

First Prime Savings

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 InfinexInvestments,Inc.,memberofFINRA/SIPC,including retirement planning, IRA rollovers, annuity reviews,incomeplanning,401(k)rollovers,businessretirement plans, college funding plans, retirement plans and tax-advantaged investments.

Investment Services

Business Banking

At First National Bank of the Gulf Coast, we take yourbusinessseriously.Largeorsmall,weunderstandthat your business is unique, and that’s why we offer a variety of banking products to fit your company's specific needs.

*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 239-348-8000 to speak to a personal banker.

$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

**Earns interest* based on the following tiers…

Ideal for customers who maintain low balances and who have moderate needs for accessing funds.•$100openingbalancerequirement•Nominimumdailybalancerequirement•Nomonthlyservicecharge•Limitedto150transactionsmonthly(items depositedanditemspaid)25¢peritemover150•Earnsinterest*

Small Business Checking

Ideal for customers who have a higher transaction rate.•$100openingbalancerequirement•$10monthlyservicecharge•Limitedto300transactionsmonthly(items depositedanditemspaid)25¢peritemover300•Earnsinterest*

Business Advantage Checking

Ideal for businesses that maintain moderate balances and seek a higher rate of return.•$100openingbalancerequirement•$1,000minimumdailybalancerequirement•$10monthlyservicechargeifdailybalance requirement is not maintained•Exclusivelyofferedtosoleproprietors,non-profit organizations and government entities

Business Checking with Interest

Ideal for businesses who maintain higher balances and seek to manage their monthly service charges.•$100openingbalancerequirement•$1,000minimumdailybalancerequirement•$15monthlyservicechargeifdailybalance requirement is not maintained•$15monthlyservicecharge•35¢perdeposit•10¢peritemdeposited•10¢peritempaid•Earningscreditallowancebasedontheinvestable balance; can be used to offset partial or full monthly service charges

Commercial Checking

Ideal for businesses that maintain moderate balances and seek a higher rate of return.•$100openingbalancerequirement•$2,500minimumdailybalancerequirement•Earnsinterest**•Limitedto6transferstoanotheraccountbymeans of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer perstatementcycle.Excludesin-personandATM withdrawals.

Business Prime Money Market

Kandy Trotta, Anchor Rode Office Teller

Contact a team member to schedule a meeting today at 239-348-8000 or myassociationbanking@fnbofgc.com.

Ideal for those who do not wish to maintain a balance requirement. •$100openingbalancerequirement•Nominimumdailybalancerequirement•Earnsinterest*•Limitedto6transferstoanotheraccountbymeans of pre-authorized, automatic transfers, electronic banking or mobile banking. $10 per excess transfer perstatementcycle.ExcludesinpersonandATM withdrawals.

Business Savings

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.

Certificate of Deposit

•Freeelectronicbankingandbillpay•Free24-hourmobilebanking•FreeE-statements•Freedebitcard•FreeunlimitedwithdrawalsfromanyATM worldwide•Freenotaryservices•Freeremotedepositcapture

All Business Accounts Include…

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.

My Association Banking

•MyAssociationLending•MyAssociationBankingCheckingwithInterest*•MyAssociationBankingCheckingMoneyMarket*•MyAssociationBankingCertificateofDeposit*

Products and Services Offered...

•ACHorigination•CDARS•Electronicbankingwithfreebillpay•Lockbox•Onlinepayments(ACHorcreditcard)•Remotedepositcapture•Wiretransfers

Specialized Services Available...

Each October, First National Bank of the Gulf Coast hosts a charity golf tournament at Hideout Golf Club in Naples,Florida.Allproceedsaresplitbetweentwolocalchildren’scharities.Pastrecipientsinclude:TheRickyKingChildren'sFund,LacesofLove,YouthHaven,FosterCareCouncilofSWFlorida,VoicesforKidsofSouthwestFlorida, 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.

First National Bank of the Gulf Coast Gives Back!

Annual Charity Golf Tournament

For more information, contact…Heather Tice, AVP Director of Marketing239-325-5609, heathertice@fnbofgc.com

Heather Tice

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

Free that pays you back!

FOUR LOCATIONS TO SERVE YOU!www.fnbofgc.com

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

FREE CHECKING FOR LIFE!No Strings Attached.

The free checking account that pays you to use your debit card! We will pay you 10¢

cash back on every debit card signature based

transaction.(CREDITED MONTHLY)

3580 Pine Ridge RoadNaples, Florida 34105239-348-8000LobbyMonday-Thursday 9:00 am-4:00 pmFriday 9:00 am-5:00 pmDrive-thruMonday-Thursday 8:00 am-5:00 pmFriday 8:00 am-6:00 pmSaturday 8:30 am-12:00 pm

811 Anchor Rode DriveNaples, Florida 34103239-649-6000LobbyMonday-Thursday 9:00 am-4:00 pmFriday 9:00 am-5:00 pmDrive-thruMonday-Thursday 8:00 am-5:00 pmFriday 8:00 am-6:00 pmSaturday 8:30 am-12:00 pm

1255 Creekside ParkwayNaples, Florida 34108239-593-5522LobbyMonday–Thursday 9:00 am-4:00 pmFriday 9:00 am-5:00 pmDrive-thruMonday–Thursday 8:30 am-4:30 pmFriday 8:30 am-5:00 pm

690 Bald Eagle DriveMarco Island, Florida 34145239-642-1166LobbyMonday–Thursday 9:00 am-4:00 pmFriday 9:00 am-5:00 pm

Corporate Headquarters3560 Kraft RoadNaples, Florida 34105877-763-0244www.fnbofgc.com

Loryn Standifer, Director of First Impressions