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NOTICE RE: FULL FDIC COVERAGE

First National Bank of Central Florida is participating in the FDIC's Transaction Account Guarantee Program. Under this program, through December 31, 2010, all non-interest bearing transaction accounts, including personal and business checking accounts, are fully guaranteed by the FDIC for the entire amount in the account. IOTAs (Attorney Trust Accounts) are fully guaranteed for the entire amount in the account. Effective July 1, 2010, NOW accounts with interest rates of 0.25% or less are fully guaranteed for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. To learn more, contact the FDIC toll-free at 1.877.275.3342 from 8:00 a.m. until 8:00 p.m. ET or visit www.FDIC.gov

First National Bank of Central Florida Announces New CFO
Winter Park, FL—May 21, 2010-- First National Bank of Central Florida has appointed Jon Eckstein to Senior Vice President/Chief Financial Officer. Eckstein joined the bank in March of 2009 and has over 20 years of financial experience.

He is a graduate of the University of Akron, in Akron, Ohio with a Bachelors of Science in Accounting and a Masters of Business Administration in Finance. Eckstein is also a Certified Public Accountant and an active member of both the American Institute of CPA's and the Florida institute of CPA's.

First National Bank of Central Florida is a full-service community bank, dedicated to serving the Central Florida region by providing superior products and services with a specific focus on helping small and medium sized businesses grow. The institution is headquartered at 369 North New York Avenue in Winter Park, Florida with office locations in Orange and Seminole Counties.

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First National Bank of Central Florida co-sponsors event to benefit foster children
WINTER PARK, FL -- Joda Connell, Market Executive for the Heathrow Office and a Board Member of Intervention Services, which is a nonprofit organization that provides services for foster children, abused children, and adoption assistance, hopes that you will be able to join us!

If you love dogs and want to help children, this is the event for you! Please join us as we support Paws and Cheers for Children on May 22, 2010 at BullFish in Baldwin Park. This exciting wine tasting will help Intervention Services, Inc raise funds to help abused and neglected children in our community. There will be wine, hors d'oeuvres, raffle prizes, and cutest/best dressed dog contest. Ticket proceeds and 10% of the evening's sales will benefit Intervention Services, Inc. For more information, please contact BullFish at 407-894-3474 , visit www.isofl.org, or view the attached flyer. The Heathrow Office has tickets for purchase.

View Flyer for this event

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First National Bank of Central Florida to co-host homebuyer workshop
WINTER PARK, FL-- March 22, 2010 -- First National Bank of Central Florida (FNBCF) will host an informational homebuyer workshop in conjunction with the non-profit organization, Consumer Credit Counseling Services (CCCS), on Friday, April 16 th from 9 a.m. to 3 p.m. at the CCCS offices located at 3670 Maguire Boulevard Orlando, Florida 32803. The workshop is free and open to the public.

The day's program, designed for first- and second-time homebuyers, will feature Al Feldman, Vice President/Department Manager of FNBCF's National One Mortgage, as a guest speaker. Topics for discussion will include qualifying for a mortgage loan, insuring a home, the home inspection process and working with a realtor. The workshop will also provide a question and answer period for participants. Refreshments will be provided to all attendees.

Space is limited and reservations are required. Contact Priscilla Tapp at (407) 952.2180, or e-mail: Priscilla.Tapp@cccsinc.org to reserve seats today.

For additional information on the Homebuyer Workshop please visit: www.believeinyourbank.com

Consumer Credit Counseling Service is a full-service, nonprofit, financial counseling agency based in Atlanta, Georgia. Counseling is provided 24 hours a day in all 50 states over the telephone and internet in both English and Spanish. CCCS also offers in-person counseling at 30 offices in Georgia, Florida, Mississippi and Tennessee. CCCS is accredited by the Council on Accreditation and is a member of the Better Business Bureau and the National Foundation for Credit Counseling (NFCC). Governed by a community-based board of directors, CCCS is funded by creditors, clients, contributors and grants from foundations, businesses and government agencies. CCCS offers around the-clock help by phone at 1-800-251-CCCS or at its Web sites, www.cccsinc.org and www.cccsenespanol.org .

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ALERT
Better Business Bureau Cautions about Census Scams
Over the next 18 months, 1.4 million U.S. Census workers will be surveying the population of the country to gather demographic information about everyone living here. Some consumers report they received a lengthy document labeled , "The American Community Survey ." As the 2010 census process begins, the Better Business Bureau (BBB) Serving Central Florida advises citizens to cooperate carefully in order to avoid becoming a victim of census-related scams.

Citizens are required by law to respond to the U.S. Census Bureau's requests for information. Census data will be used in allocation of more than $300 billion in federal funds as well as in determining the number of Congressional representatives that each state is allowed.

“Most people are understandably cautious about giving out personal information to unsolicited phone callers or visitors, but the Census is an exception to the rule,” said Judy Pepper, President/CEO of the Central Florida BBB. “Scammers know that the public is more willing to share personal data when participating in the Census, so they take advantage of this opportunity by posing as government workers to get access to personal financial information.”

The BBB and local media have gotten calls from citizens who have been approached by census workers, but are uncertain about giving out personal information. The BBB has been in contact with local census officials, who have urged Central Florida residents to call the US Census Bureau at (800) 923-8282 if they have concerns.

The BBB offers the following advice to help distinguish between bona fide Census workers and con artists:

• U.S. Census workers will have identification, a handheld device and a confidentiality notice. Caution: never invite strangers into your home.

• U.S. Census workers will not ask for your Social Security number or any information about bank or credit card accounts.

• U.S. Census workers will not ask you for money or say that you owe money.

• U.S. Census workers will not harass or intimidate you.

• U.S. Census workers will not contact you by email – only by phone, by mail or in person.

For more information regarding the 2010 Census, visit the U.S. Census Bureau online at www.census.gov

Article Link: http://centralflorida.bbb.org/WWWRoot/preview.centralflorida.bbb.org/article/bbb-cautions-about-census-scams-12940.

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FIRST NATIONAL BANK OF CENTRAL FLORIDA HOSTS HAITI RELIEF DRIVE
WINTER PARK, FL-- Jan. 22, 2009 – Winter Park-based community bank, First National Bank of Central Florida, will host a Haiti Relief supply drive the week of January 25 th. The bank, whose community outreach efforts are widely known, will be collecting medical, personal-care and food items for shipment to Haiti. Donations can be made at any of their six locations throughout Central Florida.

Supplies collected by the bank will be given to Harvest Time International, a Sanford-based Hunger & Disaster Relief Organization, where they will be sorted and distributed to Haiti. The bank will drop off its donations to Harvest Time, located at 225 N. Kennel Rd., Sanford FL 32771 on Monday, February 1 st .

The bank urges all Central Florida citizens to donate to the Haiti relief efforts, as experts anticipate a very long recovery for the poverty stricken country.

For more information on First National Bank of Central Florida's Haiti relief efforts or to find locations, please visit: www.believeinyourbank.com

Harvest Time International is a faith based Hunger & Disaster Relief Organization that strives to touch the lives of people in practical ways, by empowering them with tools to become successful in all areas of life. The organization works to meet the needs of families in the US and other various nations worldwide. They have and will continue to distribute relief products to Haiti and other Caribbean countries on an ongoing basis. Website: www.harvest-time.org

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First National Bank of Central Florida sends donations in lieu of holiday cards
WINTER PARK, FL-- Dec. 17, 2009 -- For the second year in a row, First National Bank of Central Florida has issued a donation, on their clients' behalf, to Second Harvest Food Bank of Central Florida rather than sending holiday cards.

“As citizens of this community, we recognize that many are struggling to put food on their tables this year and if we can, we'd like to lift a bit of that burden” said Isa Cusack, Executive Vice President/Director of Marketing and Business Development.

Many at the bank have been following the trend of giving this holiday season, several offices donated their “Holiday Lunch” allowances to the Coalition for the Homeless of Central Florida and one branch is donating toys and refreshments for an entire class's holiday party at Midway Elementary.

Second Harvest is a private nonprofit organization that collects and distributes donated food to more than 450 nonprofit partner agencies in six Central Florida counties.

The Coalition for the Homeless is the largest provider of homeless services in Central Florida. It is a non-profit organization that works to address the needs of the homeless in the community and serves as a catalyst for community collaboration to end homelessness by offering comprehensive case management programs to help the homeless become self-sufficient. In the most recent fiscal year, the Coalition served nearly 270,000 meals and provided over 234,000 nights of shelter to homeless individuals.

Midway Elementary School was chosen because 87% of the student population is on free or reduced lunch programs. The school is located at 2251 Jitway Avenue in Sanford.

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Noted Florida Banker J. Lamar Roberts Joins First National Bank of Central Florida
WINTER PARK, FLORIDA
July 2, 2009

First National Bank of Central Florida welcomes J. Lamar Roberts to the Senior Management team of the bank. Mr. Roberts will assume the role of President of the six office banking institution.

A former President of the Florida Bankers Association, Lamar Roberts recently left First National Bank of Pasco , after heading the bank as President for seventeen years. First National Bank of Pasco has long been recognized as one of the highest performing banks in the state.

Lamar Roberts is a graduate of the Georgia Banking School at the University of Georgia ; the Graduate School of Banking of the South at Louisiana State University ; the National Commercial Lending Graduate School at the University of Oklahoma and the Graduate School of Banking Investments, also at the University of Oklahoma .

In addition to having served as President of the Florida Bankers Association, he is also former Chairman of Independent Bankers Bank of Florida ; former Chairman of the Florida Banker's Insurance Trust. His civic and professional achievements span both the banking industry and the communities served by the banks he has headed.

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First National Bank of Central Florida Supports The Sharing Center
Winter Park, Florida

April 13, 2009 -- First National Bank of Central Florida recently appointed SVP/ Karen Jennings to Leadership Seminole County . Leadership Seminole Class members adopted the Sharing Center as their class project. The Sharing Center was founded in 1985 to fill the needs of hurting people and has helped prevent homelessness by assisting low income families with basic needs during financial emergencies caused by job loss and health program. First National Bank of Central Florida made a $250 cash contribution. In addition the bank staff was able to assist the Leadership Seminole class with delivering over 2,000 pounds of food for their pantry.

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First National Bank of Central Florida Collects over 500 Pounds of Food for the Second Harvest Food Bank
Winter Park, Florida

First National Bank of Central Florida hosted a canned food drive in December to help replenish the depleted shelves of the Second Harvest Food Bank of Central Florida . With the help of the banks' clients and employees, 521 pounds of food was collected and distributed to the Second Harvest Food Bank. Second Harvest is a commendable private nonprofit organization that collects and distributes donated food to more than 450 nonprofit partner agencies in six Central Florida counties. In the last twelve months, Second Harvest has distributed 18 million pounds of life-sustaining food to those suffering from or at risk of hunger. First National Bank of Central of Florida is a locally owned community bank with six offices in Orange and Seminole Counties . First National Bank of Central Florida had assets exceeding $ 457 million and $42.9 million in total equity at September 30, 2008.

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First National Bank of Central Florida Hosting Canned Food Drive in an effort to assist the Second Harvest Food Bank
Winter Park, Florida

First National Bank of Central Florida will host a canned food drive to help replenish the depleted shelves for the Second Harvest Food Bank of Central Florida . The bank will collect canned goods and non-perishable items through December 18th at each of its six offices. Second Harvest is a commendable private nonprofit organization that collects and distributes donated food to more than 450 nonprofit partner agencies in six Central Florida counties.

Additionally, Executive Vice President and Director of Marketing and Business Development, Isa Cusack, announced in lieu of holiday cards to clients, the bank will direct its resources to help Central Florida families in need by making a contribution on behalf of its clients to the Second Harvest Food Bank. “Now more than ever our assistance is needed to ensure that those being negatively affected by the economic downturn and high food prices have access to the healthy food they need to feed themselves and their families,” noted Cusack.

First National Bank of Central of Florida is a locally owned community bank with six offices in Orange and Seminole Counties . First National Bank of Central Florida had assets exceeding $ 457 million and $42.9 million in total equity at September 30, 2008..............................................................................................................................................................................................

First National Bank of Central Florida to Host Blood Drive at Corporate Office in Winter Park
Winter Park, Florida

First National Bank of Central Florida will continue its efforts to increase awareness of the importance of blood donations with a fall kick-off blood drive. The blood drive will be held Friday, November 14 th from 10 a.m. to 4:00 p.m. at the bank's corporate office parking lot located at 369 North New York Ave in Winter Park . The Florida Blood Center is in need of blood to benefit cancer patients who are in daily need of treatment, burn victims who need plasma, trauma victims that need red blood transfusions and routine surgeries. The community is urged to participate in this worthy cause. Donors can be as young as 16 and should weigh at least 102 pounds. There is no upper age limit.

Donors will receive 50% off a 1 day/2 park or 2 day/2 park admission ticket to Universal Orlando, free discount coupon for Papa John's breadsticks, buy one, get one free admission to Gatorland, Gaylord Palms ICE 50% discount coupon and club red HERO enrollment (after two donations, receive a $10 Darden Gift Card in the mail). Additionally, every donor will automatically be entered to win a 3 day/2 night stay to live like a rock star at Hard Rock Hotel at Universal Orlando and enjoy dinner for two in The Kitchen.

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First National Bank of Central Florida Continues Support of Hope and Help Center of Central Florida
Winter Park, Florida - September, 2008

First National Bank of Central Florida continues their support of Hope and Help Center of Central Florida by sponsoring the organization's 19th annual Headdress Ball. The bank and its associates have contributed over $5,000 so far in 2008 for the organization through participation in various fundraising events. Additionally, Ted Bradford, Senior Vice President and Commercial Lender at First National Bank of Central Florida, serves as the President of the Board for Hope and Help Center and several bank officers regularly volunteer with the organization.

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First National Bank of Central Florida Supports Foundation for Foster Children
Winter Park, Florida - July 17, 2008

First National Bank of Central Florida recently partnered with The Foundation for Foster Children in support of their “Be Cool” Summer Kickoff program. First National and its associates donated $650 along with several “Cool Kits” containing summer fun essentials for kids. For additional information about The Foundation for Foster Children please visit www.foundationforfosterchildren.org.

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