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1

A Letter from the President

of Pilot Bank

On behalf of your Pilot Bank team, I’mexcited to announce the launch

of our new, state of the art, bank-wide system. Beginning

February

8th

, this complete upgrade, from our back-office computers to

the latest in mobile banking, aims to provide all of our clients with

phenomenal service and deliver incredible results. We look upon this

upgrade as an investment in the ways we support our relationship

with you as we strive to earn your trust, and build friendships.

Our new core system will offer a strong foundation for all banking

activities, starting with a streamlined experience when you visit one

of our expert Financial Center Representatives. With enhanced

security, advanced features and expanded functionality, the system

upgrade extends to just about every part of our banking operation,

reaching out through remote access tools like your smartphone,

computer or tablet that you use everyday to manage your finances.

This will immediately provide greater control and more convenience

when managing your accounts.

We will have a support team available to assist you during the

migration. You can reach out to your Financial Center Representative

or contact us at

(813) 349-4747

. Complete upgrade information is

available at

www.pilotbank.com .

Thank you for continuing to choose Pilot Bank for your financial

needs.

Sincerely,

Roy N. Hellwege

President

Pilot Bank