CharterBank

Solid, Stable, Excited to Be Here!

As you've likely already heard, CharterBank has entered into an agreement with the Federal Deposit Insurance Corporation (FDIC) to assume all the deposits and substantially all of the loan accounts and operations of First National Bank of Florida, Milton, FL. This means that CharterBank now stands behind the deposits of First National Bank of Florida customers, and going forward, we will conduct the bank's day-to-day operations.

As former First National Bank of Florida customers, you are now customers of CharterBank. Your deposits are safe, sound and readily accessible. You will be able to continue using yoru personal and business checks at this time, and have access to online banking and bill pay, and your ATM/Debit Card will continue to work. At this time your account numbers will remain the same.

CharterBank is one of the strongest community banks in West Central Georgia, the Florida Panhandle and East Alabama. We've been around since 1954 when we were formed in West Point, Georgia and became the first institution to make home loans to folks throughout that region. We're solid, too, so you won't have to worry - we're not going anywhere. For more information visit us online at www.charterbank.net.

We have new products, services and perks coming your way we think you'll love.

While we work on completing the transition process to CharterBank, Online Banking will remain available. Select the link below to continue to your online banking login:

• Online Banking
• Cash Management

You can continue to use Telephone Banking by calling toll-free at 1-877-527-2714 or locally at (850) 365-0458. Also, to reach your local branch you may continute to call (850) 623-2822.

toll free 800.763.4444 or online: www.charterbank.net

FDIC Bank Closing Information for The First National Bank of Florida