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

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

2 Welcome to FCB! We are FCB, over $5 billion in assets strong; one of the most well-capitalized banks in the nation and the fourth largest Florida-based bank. We are methodically building a banking institution to serve Florida business in every corner of the state. Building on a foundation of eight independent banks, FCB has retained the community banking qualities our customers seek local, empowered decision making and personalized service delivered by a staff of knowledgeable banking professionals who know and understand you and your business. Our community banks strengthen the local economies through employment and community partnership. 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 their businesses 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. We are pleased to welcome Great Florida Bank customers to FCB! This change will enable us to provide you with more efficient transaction processing, enhanced customer communications, and a more flexible and comprehensive banking solution. While the name of your bank will change, the exceptional service that you have grown accustomed to will remain the same. 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 At FCB, we have the ability to invest in innovative products and services that will enhance your banking experience. Our financial services include Retail Banking, Business Banking, Commercial Banking, Treasury Management and Online Banking. 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 1

3 Table of Contents Important Dates 4 Account Name Change Chart 5 FCB Business Checking Accounts 6 FCB Business Money Market & Savings Accounts 10 Certificate of Deposit 16 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. If you have any questions, please visit your nearest branch. For locations, please visit FloridaCommunityBank.com/Locations, call Customer Service Support at or turn to pages Our associates will explain your specific FCB accounts & services and discuss options that may be better suited for your business. Before Conversion Great Florida Bank Online Banking Users: Download and save your Great Florida Bank account history and bill pay history New FCB Business Debit Cards will be mailed New FCB PINs (Personal Identification Numbers) will be mailed separately Business Checking & Savings Accounts Great Florida Bank Account: Customer Repurchase Agreement Investment New FCB Account: Repurchase Agreement March 4, 2014 Beginning at 8:00 a.m., activate and begin using your new FCB Business Debit Card GF 1000 Business Checking Small Business Checking GF 2000 Enterprise Checking Business Checking March 6, 2014 Beginning at 4:00 p.m. EST, Online Bill Pay will not be available through the conversion weekend GF 2000 E Elite Business Checking Business Checking March 7, 2014 At 3:00 a.m. EST, your Great Florida Bank Business Debit Card will no longer work Beginning at 4 p.m., Online Banking will not be available through the conversion weekend GF 3000 Business Incentive Checking GF 3006 Business Sweep Checking GF 4000 Business Interest Checking Commercial Checking Commercial Checking Business Interest Checking 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. GF 4006 IOTA GF 6000 Business Money Market Investment IOTA Business Money Market 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 FCB 24-hour Telephone Banking Service will be available at (Option 2) FCB s Mobile Banking will be available for enrollment Special Business Money Market GF 5000 Business Savings Great Business Special Savings Business Certificate of Deposit Commercial High Yield Money Market Business Savings Premier Business Savings Business Certificate of Deposit 4 5

5 FCB Business Checking Accounts After normal business hours on Friday, March 7, 2014, your business 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 Business Checking accounts include these services: Online Banking with Bill Pay Direct Deposit estatements Telephone Banking Sweep Transactions Wire Transfers* Foreign Wire Transfers* Cash Advances * 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 All About Your Business Deposit Account Terms & Conditions and Disclosures Booklet in the back of this guide. FCB Checking Solutions FCB offers a comprehensive suite of products, services and solutions that are tailored to fit your business needs. Small Business Checking Ideal for businesses with low transaction volumes. Minimum balance to open the account: $ 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 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 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. A per item fee of $0.25 will be imposed for each transaction item in excess of 325 during a month. A cash deposit fee of $0.12 will be imposed per $ deposited in excess of $10, during a statement cycle. Business Checking Suitable for businesses with moderate to high transaction volume. Minimum balance to open the account: $ Minimum balance to avoid imposition of fees: A maintenance fee of $15.00 will be imposed every month if the average daily balance for the 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. A per item fee of $0.25 will be charged for each transaction item in excess of 500 during a month. A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle. Commercial Checking Specifically designed for companies with high transaction volume. Earnings Credit: This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will not be assessed fees but you will not be paid, carry forward or otherwise receive credit for any excess earnings credit. 6 7

6 FCB Business Checking Accounts Earnings Credit Calculation: The earnings credit is applied to average collected balances monthly. The earnings credit rate will be determined by the bank and may change monthly. The earnings credit will be calculated and applied against fees incurred for the monthly statement cycle. Minimum balance to open the account: $ Accrual of earnings credit on noncash deposits: Earnings credit begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) A monthly maintenance fee of $15.00 will be charged each month. A per item fee (see separate fee schedule) will be charged each month. A cash deposit fee of $0.12 will be charged per $ deposited during a statement cycle. Public Funds Checking Must be a Government Entity. Minimum balance to open the account: $ A per item fee of $0.25 will be charged for each transaction item in excess of 325 during a month. A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle. Business Interest Checking Account restricted to IOTA, sole proprietorships, non-profit organizations, and Attorney s Trust accounts participating in the Florida Bar Association Program. Rate Information: 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 account at any time. Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account: $ 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. A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle. Note: IOTA does not incur fees Public Funds NOW Checking Must be a Government Entity. 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 account at any time. Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account: $ 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. A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle. 8 9

7 FCB Business Money Market & Savings Accounts FCB Money Market & Savings Solutions FCB offers a variety of money market deposit accounts and other savings products for businesses, community organizations, public entities and nonprofit organizations. After normal business hours on Friday, March 7, 2014, your business 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 All About Your Business 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. Business Savings Low balance requirements make this account best suited for small to medium size businesses. Interest rates compounded and credited quarterly. 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 account at any time. Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account: $ 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. An excessive transaction fee of $2.00 will be charged for each transaction in excess of six during a month or statement cycle. A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle

8 FCB Business Money Market & Savings Accounts Premier Business Savings Beneficial for businesses with excess funds who want to earn interest on idle money. Tiered interest rates compounded and credited quarterly. 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 account at any time. Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. 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 FCB uses is quarterly statement cycle. An excessive transaction fee of $2.00 will be charged for each transaction in excess of six during a month or statement cycle. A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle. Public Funds Savings Must be a Government Entity. Interest will be compounded and credited quarterly. 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 account at any time. Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account: $ 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. An excessive transaction fee of $2.00 will be charged for each transaction in excess of six during a month or statement cycle. A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle. Business Money Market Optimal for companies that are looking for a good return with low balance requirements. Interest will be compounded and credited quarterly. Rate information: 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 account at any time

9 FCB Business Money Market & Savings Accounts Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. 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. An excessive transaction fee of $5.00 will be charged for each transaction in excess of six during a month A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle. Commercial High Yield Money Market Allows companies to maximize return on supporting balances. Tiered interest rates compounded and credited monthly. Rate information: 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 account at any time. Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account: $50, 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 $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. An excessive transaction fee of $5.00 will be charged for each transaction in excess of six during a month. A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle. Public Funds Money Market Must be a Government Entity. Interest will be compounded and credited monthly. Rate information: 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 account at any time. Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. 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. An excessive transaction fee of $5.00 will be charged for each transaction in excess of six during a month. A cash deposit fee of $0.12 will be charged per $ deposited in excess of $20, during a statement cycle

10 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 charged 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 a 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. For Public Funds Certificate of Deposit: Must be a Government Entity

11 Borrowing Solutions Additional Solutions at Fcb At FCB, you ll find a complete range of loans and lines of credit that can help you manage your cash flow, finance expansion or real estate, purchase equipment and vehicles, or cover the costs of industryspecific needs of your business. FCB Business Loans 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 account number(s) may change. A separate communication will be sent to those customers affected. Your loan statement will reflect a new address. When submitting your loan payments, please use the new mailing address listed below: Loan Operations Department 369 N. New York Ave. Winter Park, FL FCB Disclosures The All About Your Business 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, Funds Transfers, Funds Availability, and specific account details available to your account. FCB Business Debit Card If you have an active Great Florida Bank Business Debit MasterCard, your new FCB Visa Business 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 Business 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 Business 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 Business Debit Card packet. Your Great Florida Bank Business Debit MasterCard 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 Business Debit Card section of the enclosed Terms & Conditions for information about your new daily spending limits, ATM withdrawal limits, and other important account information. Here is a list of Visa benefits that come with your FCB Business Debit Card: Lost/Stolen Card Reporting Cardholder Inquiry Service Emergency Card Replacement & Emergency Cash Disbursement 18 19

12 Additional Solutions at Fcb All MasterCard benefits associated with your Great Florida Bank Business Debit MasterCard will terminate at 3:00 a.m. on Friday, March 7, FCB ATMs Once you ve received and activated your new FCB Business 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 may be accepted at designated FCB ATMs. Online Banking If you are a Great Florida Money Manager customer, the Online Banking and Online Bill Pay sections do not apply. Separate communication has been sent to your Great Florida Money Manager Administrator. 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 5:00 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 and statements 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 FCB. However, FCB 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 Tax ID 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. 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 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

13 Additional Solutions at Fcb Other FCB Services 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. 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 Business Debit Card, stop payment, activate your FCB Business Debit Card, report a lost or stolen card, get tax information, and more. Treasury Management Services FCB offers Treasury Management Services designed to help you optimize your company s cash resources and manage payment risk. Our Treasury Services consultants can help you choose the right solutions for your business including; Collection, Disbursement and Information Management Services. To learn more about Treasury Management Services offered by FCB, stop by your local FCB banking center, or us at treasurymanagement@fcb1923.com. Great Florida Money Manager Administrators have received communications regarding Treasury Management Product Conversion. 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 , 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

14 Other FCB Services 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. Bank Statements Business Checking and Money Market Accounts: All business 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 paid through March 7, 2014 and credited to your account. After March 7, 2014, you will receive your regular monthly statement at approximately the same time you receive your current statement. Business Savings Accounts: All business 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 Business 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 business 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 business credit card will not be affected by this transition. First Bankcard will continue to service your Great Florida Bank Visa business 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 at FCB. 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