Great Florida Bank Customers. Welcome to FCB! Consumer Conversion Guide

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1 Great Florida Bank Customers Welcome to FCB! Consumer Conversion Guide

2 Welcome to FCB! We are pleased to welcome Great Florida Bank customers to FCB! While the name of your bank will change, the exceptional service that you have grown accustomed to will remain the same. At FCB, we treat you like a neighbor because you are. As the Florida Based, Florida Focused community bank, we believe in empowered local decision making and we are committed to you our community. Our strategy has always been simple and straightforward: Give our customers great service, solid products and competitive rates. FCB offers innovative products and services with the kind of personalized service only a community bank can provide from tellers who greet you by name, to experienced managers who take the time to understand your personal and business banking needs. We ve greatly enhanced the community banking model by providing the resources and financial horsepower only a much larger bank can provide. Fueled by the financial strength of our parent company Bond Street Holdings FCB has the capital, lending capacity, and product line breadth to exceed the needs of our customers and provide them with a competitive advantage. Further, we are now assessing the emerging technologies to deliver the optimum combination of convenience and security in mobile banking. In our banking centers, FCB delivers the community banking experience our customers enjoy. Behind the scenes our capital strength, seamlessly integrated products, and financial resources rival the largest banks in the nation. Important Contact Information: Customer Service: (Option 0) Online Banking Support: (Option 3) Telephone Banking: (Option 2) Lost or Stolen ATM/Debit Card: (Option 4) Support: ebanking@fcb1923.com Branch & Office Contact Information: FloridaCommunityBank.com/Locations As part of FCB, you will benefit from: Access to over 60 locations across the state of Florida 4th largest independent bank in Florida and rated 5 Stars (Superior) by Bauer Financial, Inc. Flexible and comprehensive financial solutions to enhance your banking experience Ask about our entire range of personal banking products and solutions, all designed to meet your unique financial needs and help you reach your goals we re here to serve you. We want to extend our sincere appreciation for your ongoing relationship and we warmly welcome you to the Stronger Than Ever FCB! Sincerely, Kent S. Ellert President & Chief Executive Officer 2 1

3 Table of Contents Important Dates 4 Account Name Change Chart 5 FCB Personal Checking Accounts 6 FCB Personal Money Market & Savings Accounts 10 Certificate of Deposit 14 Individual Retirement Account (IRA) 16 Personal Borrowing Solutions 18 Additional Solutions at FCB 19 Other FCB Services 23 We are excited to welcome you to Florida Community Bank, N. A. (FCB). We ve put together this helpful guide to assist you through our conversion weekend beginning after normal business hours on Friday, March 7, If you have any questions about the information enclosed, please feel free to contact our Customer Service Support at Banking Center Locations

4 Important Dates Account Name Change Chart Your new FCB account name has been determined based on the specific terms and conditions of your Great Florida Bank account. Our associates will explain your specific FCB accounts & services and discuss options that may be better suited for you. For locations, please visit FloridaCommunityBank.com/Locations, call Customer Service Support at or turn to pages Personal Checking & Savings Accounts Before Conversion Great Florida Bank Online Banking Users: Download and save your Great Florida Bank account history and bill pay history New FCB ATM/Debit Cards will be mailed New FCB PINs (Personal Identification Numbers) will be mailed separately Great Florida Bank Account: GF100 Simple Checking* GF100-E Simple Checking GF 300 Interest Checking New FCB Account: Free Checking or Community Checking Community Checking Personal Interest Checking March 4, 2014 Beginning at 8:00 a.m., activate and begin using your new FCB ATM/Debit Card Great Package Greatest Package Personal Interest Checking Personal Interest Checking March 6, 2014 Beginning at 4:00 p.m. EST, Online Bill Pay will not be available through the conversion weekend Sum of You Checking GF400 Money Market Investment Gold Relationship Checking Personal High Yield Money Market March 7, 2014 At 3:00 a.m. EST, your Great Florida Bank ATM/Debit Card will no longer work Retention Money Market Sum of You Money Market Personal High Yield Money Market Personal High Yield Money Market Beginning at 4:00 p.m., Online Banking will not be available through the conversion weekend Special Personal Money Market GF200 Great Savings Personal High Yield Money Market Personal Savings March 8, 2014 & March 9, 2014 FCB s Customer Service Support team will be available to assist you with questions over the conversion weekend. Call on Saturday and Sunday, from 8:00 a.m. to 6:00 p.m. GF200-E Great Savings GF250 Great Future Savings Great Special Savings Personal Savings Minor Savings Premier Personal Savings March 10, 2014 FCB s Online Banking and Bill Pay Service will be available through FloridaCommunityBank.com at 8:30 a.m. EST on March 10, 2014 for all Great Florida Bank customers Great Variable Rate Savings Sum of You Savings Personal Savings Premier Personal Savings FCB 24-hour Telephone Banking Service will be available at (Option 2) FCB s Mobile Banking will be available for enrollment IRA Certificate of Deposit Personal Certificate of Deposit IRA Certificate of Deposit Personal Certificate of Deposit *The accounts will map over to the FCB Free Checking account ONLY if GFB customer has met the required qualifier for the GF100 product to be a free account. If the account qualifier has not been met then the account is mapped over to the Community Checking. 4 5

5 FCB Personal Checking Accounts After normal business hours on Friday, March 7, 2014, your personal checking account(s) will transfer to FCB. Your Great Florida Bank checking accounts have been matched to FCB s checking accounts that have comparable features and benefits. Please reference the Account Name Change Chart on page 5. All personal checking accounts include these services: Online Banking with Bill Pay estatements Telephone Banking Sweep Transactions Wire Transfers* Foreign Wire Transfers* Cash Advances Foreign Currency Exchange* Cashier s Checks* Notary Services ATM and Visa Debit Cards Mobile and Text Banking No fee for use of any FCB or Publix Presto ATM * Additional fees may apply Overdraft Protection If you have overdraft protection with Great Florida Bank, your service will continue in the same manner with no fee. Transfers to cover overdrafts will count against your savings or money market withdrawal limits. For more information, refer to the Understanding Your Deposit Account Terms & Conditions and Disclosures Booklet in the back of this guide. FCB Checking Solutions We want to help you find the account that meets all of your financial needs. FCB Free Checking Minimum balance requirements: No minimum monthly balance requirements. Transaction limitations: No transaction limits apply to this account. Community Checking Minimum balance to avoid imposition of fees: A maintenance fee of $7.00 will be imposed every month if the average daily balance for the cycle falls below $ or if the account does not have direct deposit. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Preferred Senior Checking Individual must be a minimum of 55 years of age. Student Checking Individual must be 18 years of age and a full time student. Minimum balance to open the account: $50.00 VEP Colleague Checking Individual may be eligible through their employer s enrollment in the VEP program. Minimum balance requirements: No minimum monthly balance requirement. Opening balance requirement: No opening balance amount requirement. Transaction limitations: No transaction limits apply to this account. 6 7

6 FCB Personal Checking Accounts Relationship Checking Minimum balance to avoid imposition of fees: A maintenance fee of $7.00 will be imposed every month if the average daily balance for the cycle falls below $1, or your aggregate account balances in qualified accounts falls below $1,500.00: checking, savings, money market or certificates. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Gold Relationship Checking Rate information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your Determination of rate: At our discretion, we may change the interest rate on your Minimum balance to avoid imposition of fees: A maintenance fee of $7.00 will be imposed each month if the average daily balance for the monthly statement cycle falls below $5, or your aggregate account balances in qualified accounts falls below $5,000.00: checking, savings, money market or certificates. The average daily balance is calculated by adding the principle in the account for each day of the period and dividing that figure by the number of days in that period. Senior Gold Relationship Checking Individual must be a minimum of 55 years of age. Rate information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your account at any time. Determination of rate: At our discretion, we may change the interest rate on your Minimum balance to avoid imposition of fees: A maintenance fee of $7.00 will be imposed each month if the average daily balance for the monthly statement cycle falls below $5, or your aggregate account balances in qualified accounts falls below $5,000.00: checking, savings, money market or certificates. The average daily balance is calculated by adding the principle in the account for each day of the period and dividing that figure by the number of days in that period. Personal Interest Checking Rate information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your Determination of rate: At our discretion, we may change the interest rate on your Minimum balance to avoid imposition of fees: A maintenance fee of $15.00 will be imposed each month if the average daily balance for the monthly statement cycle falls below $2, The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 8 9

7 FCB Personal Money Market & Savings Accounts After normal business hours on Friday, March 7, 2014, your personal money market and savings account(s) will transfer to FCB. Your Great Florida Bank money market and savings accounts have been matched to FCB s money market and savings accounts that have comparable features and benefits. Please reference the Account Name Change Chart on page 5. For more information, refer to the Understanding Your Deposit Account Terms & Conditions and Disclosures Booklet in the back of this guide. Federal law requires banks to monitor Money Market and Savings accounts for excessive withdrawals. Money Market and Savings accounts allow up to six (6) pre-authorized or automatic withdrawals on the account per month or statement cycle. After three (3) instances of exceeding the allowable number of withdrawals, your account may be converted to a checking account or you may be offered other options to eliminate future occurrences. FCB Money Market & Savings Solutions Compare benefits and features and find the savings or money market account that s right for you. Personal Savings Rate information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your Determination of rate: At our discretion, we may change the interest rate on your Minimum balance to avoid imposition of fees: A maintenance fee of $3.00 will be imposed every quarter if the average daily balance for the quarter falls below $ The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees: An excessive transaction fee of $2.00 will be charged for each transaction in excess of six during a month or statement cycle. Premier Personal Savings Rate information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your Determination of rate: At our discretion, we may change the interest rate on your Minimum balance to open the account: $50, Minimum balance to avoid imposition of fees: A maintenance fee of $3.00 will be imposed every quarter if the average daily balance for the quarter falls below $ The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum average daily balance of $50, to obtain the disclosed annual percentage yield. No interest earned if balance falls below $50, The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is a quarterly statement cycle. Fees: An excessive transaction fee of $2.00 will be charged for each transaction in excess of six during a month or statement cycle. Minor Savings Minor Savings accounts are available to customers under 18 years of age. When the minor reaches the age of 18, the account will be converted to a Personal Savings account, and relevant fees will apply. Rate information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your 10 11

8 FCB Personal Money Market & Savings Accounts Determination of rate: At our discretion, we may change the interest rate on your Minimum balance to open the account: $10.00 Fees: An excessive transaction fee of $2.00 will be charged for each transaction in excess of six during a month or statement cycle. VEP Colleague Savings Individual may be eligible through their employer s enrollment in the VEP program. Rate information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your Determination of rate: At our discretion, we may change the interest rate on your Minimum balance to avoid imposition of fees: A maintenance fee of $3.00 will be imposed every quarter if the average daily balance for the quarter falls below $50.00 or if you do not maintain a VEP Colleague Checking account. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees: An excessive transaction fee of $2.00 will be charged for each transaction in excess of six during a month or statement cycle. Personal Money Market Rate information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your Determination of rate: At our discretion, we may change the interest rate on your Minimum balance to open the account: $1, Minimum balance to avoid imposition of fees: A maintenance fee of $10.00 will be imposed each month if the average daily balance for the monthly statement cycle falls below $1, The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees: An excessive transaction fee of $5.00 will be charged for each transaction in excess of six during a month. Personal High Yield Money Market Rate information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate on your Determination of rate: At our discretion, we may change the interest rate on your Minimum balance to open the account: $2, Minimum balance to avoid imposition of fees: A maintenance fee of $12.00 will be imposed each month if the average daily balance for the monthly statement cycle falls below $2, The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees: An excessive transaction fee of $5.00 will be charged for each transaction in excess of six during a month

9 Certificate of Deposit After normal business hours on Friday, March 7, 2014, your CD will transfer to FCB. Your account(s) will continue with the same rate, term and penalty through maturity. Interest will be calculated and credited in the same manner and on the same schedule. You will receive a maturity notice on or about 20 days prior to maturity. You will have seven (7) calendar days after maturity to withdraw the funds without a penalty. Unless you notify us directly, your CD will automatically renew to the most similar term and current FCB interest rate. FCB CDs may provide you with higher interest rates than other accounts, and with virtually no risk. We offer a variety of terms ranging from 30 days to 5 years. Your FCB fixed rate CD will include the following features: Rate information: You will be paid the disclosed rate until first maturity. Compounding frequency: Interest will be compounded every month. Crediting frequency: Interest will be credited to your account every month. Minimum balance to open the account: $1, Jumbo account minimum deposit is $100, Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction limitations: You may not make any deposits into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. Time requirements: Your account will mature as stated on your Certificate of Deposit. Early withdrawal penalties: A penalty may be imposed for withdrawals before maturity if: - Your account has an original maturity of less than one year the fee we may impose will equal one months interest on the amount withdrawn subject to penalty. - Your account has an original maturity of one year or more the fee we may impose will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of interest prior to maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically renewable time account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If you prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same posted rate we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have seven (7) calendar days after maturity to withdraw the funds without a penalty

10 Individual Retirement Account (IRA) After normal business hours on Friday, March 7, 2014, your IRA account will transfer to FCB. Your account(s) will continue with the same rate, term and penalty through maturity. Interest will be calculated and credited in the same manner and on the same schedule. Rate information: You will be paid the disclosed rate until first maturity. Compounding frequency: Interest will be compounded every quarter. Crediting frequency: Interest will be credited to your account every quarter. Minimum balance to open the account: $1, Jumbo account minimum deposit is $100, Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction limitations: You may not make any deposits into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. Time requirements: Your account will mature as stated on your IRA. Early withdrawal penalties: A penalty may be imposed for withdrawals before maturity if: - Your account has an original maturity of less than one year the fee we may impose will equal one months interest on the amount withdrawn subject to penalty. - Your account has an original maturity of one year or more the fee we may impose will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of interest prior to maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically renewable time account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or if we receive a written notice from you within the grace period mentioned below, if any. If you prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same posted rate we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposits. You will have seven (7) calendar days after maturity to withdraw the funds without a penalty. These accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please refer to your IRA Agreement or your Tax Advisor for additional information

11 Personal Borrowing Solutions Additional Solutions at Fcb Your loan account number(s) may change. A separate communication will be sent to those customers affected. If you currently use a coupon book, you will receive an FCB loan statement after the conversion. If your payments are automatically drafted (debited), they will continue to be drafted with no interruption in payments. Please note that automatic payments will attempt to draft only once. Non-sufficient funds charges may apply to your transaction account if funds are not available. Your loan statement will now reflect a new address. When submitting your loan payments, please use the new mailing address below: Loan Operations Department 369 N. New York Ave. Winter Park, FL At Florida Community Bank (FCB), we offer a selection of customized loan programs to accommodate a wide variety of needs, with fast approvals and closings. As an FCB customer, your request will be handled by an experienced lender. Home Mortgage Loans Home Equity Loans Home Equity Lines Auto Loans CD Secured Loans Credit Cards FCB Disclosures The Understanding Your Deposit Account Terms & Conditions and Disclosures Booklet provides you with important information governing your account with FCB. We encourage you to read the Agreement which describes Terms and Conditions, Electronic Transfers, Funds Availability and Truth in Savings along with specific account details available to your account. We have also included FCB s Privacy Disclosure which provides you with important information regarding the bank s sharing of information. FCB Personal Debit Card If you have an active Great Florida Bank Debit MasterCard your new FCB Visa Personal Debit Card will be mailed on February 18, 2014 to replace your existing card. Your Personal Identification Number (PIN) will not be the same as the one you used with your Great Florida Bank Personal Debit Card and your new FCB PIN will be mailed separately on February 19, If you have any questions regarding your PIN or if you need assistance, please contact FCB Telephone Banking at (Option 0) for assistance with your PIN. If you do not receive your new FCB Visa Personal Debit Card by March 3, 2014, please call You may activate and begin using your new card on Tuesday, March 4, 2014 at 8:00 a.m. After this date and time, you may call to customize your new PIN. Activation instructions and additional information will be included with your new FCB Visa Personal Debit Card packet. Your Great Florida Bank MasterCard Check Card or ATM card will no longer be active and available for use after 3:00 a.m. on March 7, If you have previously set up reoccurring payments that are tied to your debit card, please contact your vendors with the new FCB card information. Refer to the FCB Debit Card section of the enclosed Terms & Conditions for information about your new daily spending limits, ATM withdrawal limits, and other important account information. Please note: All MasterCard benefits associated with your Great Florida Bank Debit MasterCard will terminate at 3:00 a.m. on Friday, March 7,

12 Additional Solutions at Fcb FCB ATMs Once you ve received and activated your new FCB Personal Debit Card, you ll have the convenience of using FCB ATMs or over 1,080 Publix Presto ATMs at no charge, to make instant cash withdrawals, deposits, and transfers. Deposits only accepted at designated FCB ATMs. Online Banking If you currently use Great Florida Bank s Online Banking, beginning on March 10, 2014 you will be directed to FCB s Online Banking. Access to Online Banking will be temporarily disabled from 4:00 p.m. on March 7, 2014 until 8:30 a.m. on March 10, After the conversion weekend, you can access Online Banking at any time by visiting FloridaCommunityBank.com. Great Florida Bank Online Banking purchase rewards will be deactivated on January 31, New Great Florida Bank Online Banking enrollments will be unavailable beginning February 28, 2014 at 12:00 p.m. Great Florida Bank Online Banking will be available for view only and to download and save your account history through Direct Connect or Finance Works beginning at 4:00 p.m. March 7 April 16, Online Transaction History: Your Great Florida Bank transaction history will not transfer to FCB s Online Banking. Your Great Florida Bank online system will be available for downloading and viewing until April 16, 2014 via a link on our FCB website. Please download or print your Great Florida Bank transaction history prior to April 16, Online User ID and Password: Effective March 10, 2014, your current User ID with Great Florida Bank will be your User ID with Florida Community Bank. However, Florida Community Bank s Online Banking is case sensitive, so all letters will be lowercase. If you want to alter your user ID, you can do so after your first login by clicking on the Customer Service Tab in FCB s online banking platform and then clicking on the Change User ID link. Your new temporary password will be fcbna plus the last four digits of your Social Security Number (Example password: fcbna1234). Signing on to FCB s Online Banking: 1. Enter your User ID (the same one you currently use with GFB, but in lowercase letters) and Hit Enter or Click Arrow at right. 2. You will be directed the first time to perform FCB s step-up authentication. You will need to do this via security code and phone call/text message, or opt for verification questions via public and commercially available records. 3. Enter your temporary online banking password and follow the prompts as directed to create your new password. Your new password must be 8 to 12 characters and contain 1 alpha and 1 numeric character. Your new password is case sensitive. 4. Click on GO TO FINANCIAL CENTER to access your accounts. 5. Foreign customers without a Social Security Number will receive further instruction regarding login information. 6. Customer Service Support (Option 0) Online Bill Pay Access to your online bill pay will be temporarily unavailable from 4:00 p.m. on March 6, 2014 until 8:30 a.m. March 10, We will transfer all bill pay payees over to FCB s bill pay platform. You can begin initiating payments or set up new payees at 8:30 a.m. on March 10, We recommend that you save payee, payment transactions and bill pay history by 4:00 p.m. March 6, New Great Florida Bank Online Bill Pay enrollments will be unavailable beginning February 28, 2014 at 12:00 p.m. FCB Internet Banking Alerts Beginning March 10, 2014, you ll want to re-establish alerts that you currently use through Great Florida Bank s online banking. To set up your 20 21

13 Additional Solutions at Fcb Other FCB Services new FCB alerts, log on to FCB Online Banking, click on the Customer Service Tab, then click on View My Alerts. Click on Add an Alert to re-establish your alerts. FCB Mobile and Text Banking Great Florida Bank mobile banking will be unavailable beginning at 4:00 p.m. on March 7, Beginning March 10, 2014 FCB s Mobile and Text Banking will be available for enrollment. With Mobile Banking from FCB, you can enjoy secure access to your financial accounts on the go: check your account balance(s), review your transaction history, transfer funds between accounts, pay your bills, and locate branches and ATMs. Log on to FCB Online Banking and register for Mobile and Text Banking today. External Transfers Beginning at 4:00 p.m. on March 6, 2014, External Transfers/POP Money will no longer be available. Your POP Money history will also become unavailable. Please save your history prior to March 6, Personal Finance Works and Direct Connect Beginning March 7, 2014, Personal Finance Works and Direct Connect will be available to download and save your account history until April 16, FCB Telephone Banking On March 10, 2014 you can access your accounts through FCB s automated telephone banking at (Option 2). The first time you call in, enter your current account number and temporary PIN, which will be the last four digits of your Tax ID Number, and then establish a new PIN. FCB Telephone Banking provides automated access to account information and other banking services 24-hours a day, seven days a week. You can check balances, obtain deposit and loan account information, transfer funds between accounts linked to your FCB Personal Debit Card, stop payment, activate your FCB Personal Debit Card, report a lost or stolen card, get tax information, and more. Automatic Deposits/Drafts FCB will continue to accept your direct deposits and automatic drafts (ACH transactions). We encourage you to confirm that the necessary changes to the routing/transit numbers have been made with the companies involved in your direct deposits and other ACH transactions. Effective March 10, 2014, provide all payees with the new FCB instructions: Receiving Bank Name: Florida Community Bank, NA Receiving Bank Routing: Receiving Bank Address: 1255 Tamiami Trail, Port Charlotte, FL Deposit Account Numbers Your Great Florida Bank deposit account number(s) will not change. Your current account number(s) will appear the same on your bank statement, checks, deposit slips and any other information that you receive from FCB. Wire Transfers Effective March 10, 2014, please use the following wire instructions: Receiving Bank Name: Florida Community Bank, NA Receiving Bank Routing: Receiving Bank Address: 1255 Tamiami Trail, Port Charlotte, FL Beginning March 10, 2014, FCB will accept incoming domestic wires received with the previous Great Florida Bank routing/transit numbers. FCB requests that you notify the appropriate parties of your new FCB account information and ask that they make the necessary changes as soon as possible to prevent any disruption in service

14 Other FCB Services Bank Statements Checking and Money Market Accounts: All checking and money market account holders will receive a newly designed bank statement. Because your account(s) are transferring from Great Florida Bank to FCB, you will receive an interim statement that will reflect your account activity through March 7, Your interest will be paid through March 7, 2014 and credited to your account. After March 7, 2014, you will receive your regular FCB monthly statement at approximately the same time you receive your current GFB statement. Savings Accounts: All savings account holders will receive a newly designed bank statement. Because your account(s) are transferring from Great Florida Bank to FCB, you will receive an interim statement that will reflect your account activity through March 7, Your interest will be paid through March 7, 2014 and credited to your account. After March 7, 2014, you will receive your regular quarterly statement at approximately the same time you receive your current statement. Image Statements FCB image statements provide images of checks, deposit tickets, and other debit/credit tickets (front only). FCB does not include return checks or other tickets in the bank statement. Online Statements If you currently receive your statements online only, you will begin receiving them again in the mail. However, once you log on to your new FCB Personal Online account, you may easily return to receiving your statements online only. Simply indicate your preferences and accept the applicable agreements. Checks You may keep using your Great Florida Bank checks and deposit slips. If you need additional checks before March 10, 2014, you may reorder as you normally would. To order checks, please stop by your local branch or call customer service at While your current checks and deposit slips will continue to process, we encourage you to re-order new checks and deposit slips through Florida Community Bank. All new checks and deposit slips will include the Florida Community Bank name and routing number. To order checks, please stop by your local branch or call customer service at the Credit Cards Your Great Florida Bank Visa consumer credit card will not be affected by this transition. First Bankcard will continue to service your Great Florida Bank Visa consumer credit card. If you have any questions, please call First Bankcard at or visit FDIC Insurance Your deposits at FCB will continue to be insured by the FDIC up to the maximum amount allowed by law. At the time of the acquisition, your deposits at Great Florida Bank and FCB will continue to be insured separately for a period of six months after the acquisition date. Certificates of deposit are insured separately for six months after the acquisition date or until maturity, whichever is later. In addition, if you have a Certificate of Deposit that is renewed for the same term and amount during this six-month transition period, the Certificate of Deposit will continue to be insured separately until the next renewal date. After the six-month transition period, your deposits at Great Florida Bank and FCB will be added together for the purpose of determining the amount of your FDIC coverage. Your total deposits at FCB that are in the same ownership rights and capacity will be insured up to $250, If you have more than $250, in total deposits at the combined banks, you may call the FDIC directly at for more information on how your funds may be insured. You may also use the FDIC s Electronic Deposit Insurance Estimator to calculate the insurance coverage at their website

15 Banking Center Locations Brevard County Cocoa Beach 1701 N. Atlantic Ave. Cocoa Beach, FL (321) Merritt Island 2105 N. Courtenay Pkwy. Merritt Island, FL (321) Broward County Coconut Creek 6111 Lyons Rd., #103 Coconut Creek, FL (954) Cooper City 8743 Stirling Rd. Cooper City, FL (954) Deerfield Beach 3456 W. Hillsboro Blvd. Deerfield Beach, FL (954) Fort Lauderdale (East) 1501 S.E. 17th St. Ft. Lauderdale, FL (954) Hallandale 1709 E. Hallandale Beach Blvd. Hallandale, FL (954) Margate 5375 W. Atlantic Blvd. Margate, FL (954) Plantation 500 N. Pine Island Rd. Plantation, FL (954) Sunrise (Sawgrass) 143 N.W. 136 Ave. Sunrise, FL (954) Weston (Corporate Office) 2500 Weston Rd., #300 Weston, FL (954) Weston Commons 4507 Weston Rd. Weston, FL (954) Weston Country Isles 1142 Weston Rd. Weston, FL (954) Wilton Manors 1201 N.E. 26 St. Wilton Manors, FL (954) Charlotte County Port Charlotte 1255 Tamiami Trail Port Charlotte, FL (941) Punta Gorda 125 Nesbit St. Punta Gorda, FL (941) Collier County Immokalee 1400 N. 15th St. Immokalee, FL (239) Naples (Moorings) 2400 N. Tamiami Trail, #100 Naples, FL (239) Naples (Vanderbilt) 2325 Vanderbilt Beach Rd. Naples, FL (239) Hendry County Labelle 155 N. Bridge St. Labelle, FL (863) Hernando County Brooksville 1000 S. Broad St. Brooksville, FL (352) Indian River County Vero Beach th St. Vero Beach, FL (772) Lee County Bonita Springs 3360 Bonita Beach Rd. Bonita Springs, FL (239) Cape Coral (North) 205 Del Prado Blvd. S. Cape Coral, FL (239) Fort Myers 7900 Summerlin Lakes Dr. Fort Myers, FL (239) Lehigh Acres 1261 Homestead Rd. N. Lehigh Acres, FL (239) Martin County Stuart 715 Colorado Ave. Stuart, FL (772) Miami-Dade County Coral Gables 150 Alhambra Cir., First Floor Coral Gables, FL (305) Hialeah 591 W. 49 St. Hialeah, FL (305) Hialeah Gardens 8404 N.W. 103rd St. Hialeah Gardens, FL (305) Miami (Bird Road) 5900 Bird Rd. Miami, FL (305) Miami (Blue Lagoon) 701 N.W. 57 Ave. Miami, FL (305) Doral 9128 N.W. 25 St. Miami, FL (305) Doral Center 1450 N.W. 87 Ave. Miami, FL (305) Downtown Miami 2 S. Biscayne Blvd., #110 Miami, FL (305) Little Havana 1465 S.W. 8th St. Miami, FL (305) Miami Beach 959 West Ave. Miami Beach, FL (305) Miami Beach (North) 1802 N.E. Miami Gardens Dr. N. Miami Beach, FL (305) Miami Lakes N.W. 67 Ave. Miami Lakes, FL (305) North Miami Biscayne Blvd. N. Miami, FL (305) Pinecrest (North) 9079 S. Dixie Hwy. Pinecrest, FL (305) Pinecrest (South) S. Dixie Hwy. Pinecrest, FL (305) Sunny Isles Collins Ave., #113D Sunny Isles, FL (305) Surfside 9526 Harding Ave. Surfside, FL (305) Orange County Apopka 130 S. Park Ave. Apopka, FL (407) Orlando (Windermere) 8910 Conroy-Windermere Rd. Orlando, FL (407) Winter Park 369 N. New York Ave. Winter Park, FL (407) Palm Beach County Boca Raton (West) W. Palmetto Park Rd. Boca Raton, FL (561) Boynton Beach (West) 7410 W. Boynton Beach Blvd. Boynton Beach, FL, (561)

16 Boynton Beach (Hagen Ranch) 7593 Boynton Beach Blvd. #120 Boynton Beach, FL (561) Delray Beach 4920 W. Atlantic Ave. Delray Beach, FL (561) West Palm Beach 2001 Palm Beach Lakes Blvd. West Palm Beach, FL (561) St. Lucie County Fort Pierce 2500 Virginia Ave. Fort Pierce, FL (772) Port St. Lucie 1301 S.E. Port St. Lucie Blvd. Port St. Lucie, FL (772) Volusia County Ormond Beach 1120 W. Granada Blvd. Ormond Beach, FL (386) Port Orange (Clyde Morris) 4777 Clyde Morris Blvd. Port Orange, FL (386) Previous GFB locations. Sarasota County Englewood 3100 S. McCall Rd. Englewood, FL (941) North Port 4300 Aidan Ln. North Port, FL (941) Sarasota (Main) 1790 Main St. Sarasota, FL (941) Sarasota (South) 8444 S. Tamiami Trail Sarasota, FL (941) Seminole County Longwood 2160 West State Rd. 434 Longwood, FL (407)

17 Important Contact Information: Customer Service: (Option 0) Online Banking Support: (Option 3) Telephone Banking: (Option 2) Lost or Stolen ATM/Debit Card: (Option 4) Support: Branch & Office Contact Information: FloridaCommunityBank.com/Locations Stronger Than Ever. FloridaCommunityBank.com