Dear Valued Customer,

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1 Dear Valued Customer, First and foremost, I would like to thank you for entrusting us with your banking needs. As you may have already heard National Bank of Southwest Florida will soon be operating under a new name, Encore National Bank. Though different in some ways, this change should have very little impact on you and your daily banking activities. You will be able to do business in the same location, with the same people and receive the same great service that you have grown to expect. There are some minor changes that are detailed in this information package. Our goal remains the same, to ensure that your banking experience is the best it can be. The information that follows provides answers to questions you may have about the accounts and services you have with the bank. You will also find that we have added branches in Fort Myers, Naples, and Sun City Center to broaden our reach and serve you better. We know change can be unsettling, so during this transition, rest assured that our focus is on meeting your needs and maintaining the level of service you expect. If you have any questions or concerns that are not addressed in this package feel free to contact any of the employees that you normally work with or feel free to contact me directly. Thank you again for banking with us at Encore National Bank. Sincerely, Thomas N. Ray CEO & President Encore National Bank

2 Office Information Naples Main Office 3003 Tamiami Trail N., Ste. 100 Naples, FL Port Charlotte Office 2120 Kings Highway Port Charlotte, FL North Naples Office Tamiami Trail N., Ste. 604 Naples, FL Sun City Center Office 1653 Sun City Center Plaza, Ste Sun City Center, FL Fort Myers Office 7920 Summerlin Lakes Dr. Fort Myers, FL Lobby & Drive-thru Hours: Monday - Friday 9:00 a.m. to 5:00 p.m. Helpful Information and Details Your existing accounts will not change. As a customer of Encore National Bank you will be able to transact on all of your accounts as you are currently doing today. Your deposit account numbers will remain the same. Checks and Deposit Slips You may continue using your current checks. At the time of your next check order, new check will have the Encore National Bank name. Debit Cards You may continue to use your National Bank of Southwest Florida Master Card Debit card until the expiration date on your card. Upon renewal, you will receive an Encore National Bank Master Card Debit card. Your account number will not change. Recurring Payments on your Master Card Debit card You will not be required to make any changes to preauthorized payments currently set up. ATM Availability As we make this transition over Friday, February 11th through Sunday, February 13th we anticipate that ATM usage will be available for you with limited interruption. This may limit your funds availability through the ATM. On Monday, February 14, 2011, normal daily limits will resume. ATM Locations You may use your new Encore National Bank MasterCard debit at any ATM. Encore National Bank will automatically rebate all service charges assessed by other ATM owners, worldwide. Bank Statements You will receive a final statement from National Bank of Southwest Florida as of the transition date of February 11, This statement will cover your account activity during the period from your previous statement date until the date of the account transfer. After the transition date you will continue to receive regular monthly statements as previously scheduled. 2

3 Consumer Online Banking You will be able to access your Encore National Bank online banking services at beginning on Monday, February 14, Your user name will remain the same. Your password will default to the last five (5) digits of the social security number of the person registering with online banking. Consumer Online banking is free and offers Online Bill Payment, check images, funds transfers and low balance reminders. Consumer Online Bill Payment If you are currently using National Bank of Southwest Florida s bill payment service some action will be required. Prior to the close of business Friday, February 11, 2011, we recommend that you download and/or print your bill payment information. We ask that you review your current bill payment instructions, making particular note of any new or recurring bills scheduled for payment between February 11 th and February 14 th. You may want to reschedule these bills to be paid on or before February 11, If you are currently an online banking customer but do not participate in bill payment services, and would like to take advantage of this service you will be required to complete the standard Online Bill Payment enrollment once you have logged into Consumer Online Banking at Online Electronic Statements If you are currently receiving electronic statements, you will need to access your new online banking account with Encore National Bank, click on the estatements icon and accept the disclosure to receive online statements. estatement history will begin as of the date of enrollment with Encore National Bank. If you would like to retain copies of your past statement history, we encourage you to download and/or print your statements currently online with National Bank of Southwest Florida. Telephone Banking Our automated telephone banking system is called Touch Tone Teller. You may reach this service by calling Beginning Monday, February 14, 2011, you may access your account information and bank by phone. You will use your 8 digit account number and last 4 digits of the primary account holder s social security number to access the system. When you call Touch Tone Teller, you will be directed step-by- step on how to access your accounts. If you should have any questions, please contact your local banking office at the numbers listed on page 2. Direct Deposit All of these services will continue for you without interruption. Automatic Internal Transfers Any automatic transfers established from your checking or savings account will continue to occur on their normal schedule. Certificates of Deposit / Maturity and Renewal Your Certificate of Deposit is not affected in any way. You will continue to earn the interest rate for the term on your Certificate of Deposit or most recent Renewal Notice. Upon maturity, you will as always, receive a maturity notice from Encore National Bank with the new rate and term that your certificate will automatically renew into. The grace period for Certificates of Deposit is seven (7) days after maturity. 3

4 FDIC Insurance Coverage Encore National Bank is a member of the FDIC. Deposits are insured as provided under FDIC rules and regulations. FDIC insurance covers funds in deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs). The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. Account Fee Schedule Return Deposit Item Fee. $5.00 Insufficient Funds (NSF)... $30.00 Overdraft Protection (between accounts) $5.00 Excessive Activity Fee. $25.00 Stop Payment..... $30.00 Wire Fees Domestic Incoming No Charge Domestic Outgoing $15.00 International Incoming.. No Charge International Outgoing.. $50.00 Check Printing. Varies based on selection Cashier s Check. $5.00 Collection Item Foreign. Dormant Account Fee. Account Research Fee... Varies based on exchange rate $10.00 per month $20.00 per hour Statement Copy..... $3.00 Garnishment / Levies $25.00 Night Deposit Lock Bag (Commercial accounts)..... First 2 lockable bags are free $10.00 for each additional bag Items in bold reflect a change to current Fee Schedule 4

5 Frequently Asked Questions Q: How will this transition benefit me? A: You will immediately begin to receive benefits. As a client of Encore National Bank you will continue to receive the unparalleled customer service you deserve. Now as a regional community bank, Encore National Bank will have the flexibility to focus on the needs of our customers and community in Southwest Florida. Q: Where is Encore National Bank headquartered? Who will run it? A: Encore National Bank is headquartered in Florida. The bank is run by a Board of Directors, all of whom live full or part time in Florida. The President of Encore National Bank is Thomas Ray, who brings over 30 years of commercial banking experience in Florida and most recently the Florida President of Encore Bank. Q: What will happen to the National Bank of Southwest Florida employees? A: All the professional employees you are accustomed to working with will continue to service your accounts. Q: Will my account number(s) change? A: Checking, Savings and Certificate of Deposit account numbers will remain the same. Loan numbers will also remain the same however you will see the number 04 preceding the existing account number. Q: Will I have to get new personal and/or business checks? A: No, you may continue to use your existing checks. At the time of your next check order, the new checks will have the Encore National Bank name. Q: Will I receive a new Debit Card? A: No, you may continue to use your National Bank of Southwest Florida Master Card Debit card until the expiration date noted on your card. Upon expiration, you will receive a new Master Card Debit card with the Encore National Bank logo. Your card number will not change. Q: Will my minimum balance requirements or monthly service charges change as a result of this transaction? A: No, Encore National Bank is making every effort to make this transition a smooth one. The product(s) that you currently have will continue to operate as they have. Encore National Bank offers a wide variety of products and services. We encourage you to visit with your Personal Banker to discuss these with you. Q: What will happen to my ACH Direct Deposit, Automated Payments, and Automatic Transfers? A: All of these services will continue for you without interruption. If there are any payments or transfers that we cannot convert, we will notify you in advance. Q: What will happen to my Internet Banking? A: Internet banking will not be available from 8:00 pm on Friday, February 11, 2011 until 8:00 am on Monday, February 14, 2011 in order to accommodate the information transfer. After that time, you may access your online banking by visiting Your Access ID will not change. Your Password will be the last five (5) digits of the social security number of the person registering. Once you have signed in we encourage you to change your password. Q: I use Online Bill Pay, will I have to re-enter my payee information and scheduled payments? A: Yes, prior to the close of business Friday, February 11, 2011, we recommend that you download and/or print your bill payment accounts, payees/billers, scheduled payments and recurring payment cycle information. We ask that you review your current bill payment instructions, making particular note of any new or recurring bills scheduled for payment between February 11 th and February 14 th. If possible, reschedule these bills to be paid on or before February 11, 2011and therefore minimizing the possibility of late payments as we make the transitions to Encore National Bank bill payment system. Q: I currently receive Electronic Statements; will my past statements appear in my internet banking? A: Encore National Bank offers estatements either through online banking or through an Encore National Bank estatement website. You can simply accept the estatement option to continue to receive your statements electronically. Your history will begin at the time of enrollment. We encourage you to download and/or print your statements in order to retain your entire online statement history. 5

6 Frequently Asked Questions Continued Q: What will happen to my Certificate of Deposit? A: Your CD will be honored with the same rate and term until it matures. Q: I have my mortgage loan with National Bank of Southwest Florida. Will my Mortgage loan be sold? A: No, Encore National Bank will continue to offer mortgage loan services. Q: How will my Consumer loan, Home Equity Line, Mortgage loan and/or Commercial loan be affected? A: The terms and conditions on your personal loan(s), line(s) of credit, mortgage loan(s) or commercial loan(s) will continue to be serviced through Encore National Bank. You should continue to make payments on your regularly scheduled due date. Q: What if I have deposits at both banks? Will I be covered under FDIC? A: The FDIC specifies deposit insurance coverage during a bank merger. The deposits from National Bank of Southwest Florida continue to be insured separately for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary. Encore National Bank has reviewed all deposits held with National Bank of Southwest Florida and has found no client that would be in jeopardy of insufficient FDIC insurance coverage. We encourage you to contact your Personal Banker to discuss in more detail should you have any concerns. Q: Will I receive End of Year Tax reporting from both banks? A: No, you will receive 2011 end of year tax reporting statement(s) from Encore National Bank. 6