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Dear Valued Client:

We are pleased to announce our forthcoming merger with Banesco USA, a Florida State Chartered bank founded in 2006 and recently named, “Business of the Year, by the South Florida Business Journal.

For now, there is no action needed on your part – just continue banking as usual for the next several months. Brickell Bank and Banesco USA will remain separate companies until regulatory approval is obtained and the transaction is complete. We expect this to be around midsummer, at which point you will receive a welcome package from Banesco USA with more specific information, including details about your accounts and additional banking options.

Banesco USA shares our same commitment to high-quality personal service and will bring you an enhanced level of financial strength and an expanded suite of products and services including five branches in Miami and one in San Juan, Puerto Rico; comprehensive commercial lending products; easy mobile access to your accounts; and state-of-the-art online banking, wire transfer and bill pay experiences.

In anticipation of some questions that you may have about this transition, attached is a brief list of frequently-asked-questions (FAQ) and you may find additional information about Banesco USA on their website at www.banescousa.com. In the meantime, please contact your advisor at Brickell Bank should you wish clarification or additional information. Our main telephone number is (305) 347-8300.

Your business and banking relationship are truly appreciated, and we are pleased to share this exciting news with you.


Sincerely,


G. Frederick Reinhardt

Chairman & CEO


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