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Palm Coast, FL – Bruce Page, President and Chief Executive Officer, announced today the addition of Dr. Pamela Carbiener to the Intracoastal Bank Board of Directors. In this capacity Dr. Carbiener will join the bank board of directors in playing a critical role in the successful operation of the Bank. As a director
she will help make sure the Bank fulfills its responsibilities to its customers and the communities it
serves.

We are delighted that Dr. Carbiener has joined our Board of Directors,” said Bruce Page, “ Her
involvement and the way she genuinely cares about the community, compliments our goals and she will
play a vital role with the Bank,” he added.

Dr. Carbiener has over 20 years of business and community experience in the Flagler and Volusia market area. She is a physician at Halifax OBGYN. She is past Treasurer, Board of Commissioner and Audit and Finance Committee member of Halifax Health. She is past President and current Executive Committee member of the Volusia County Medical Society and the editor of their publication The Stethoscope. She has previously been Chair of Daytona State College's Center for Women and Men. She has served on numerous committees in local hospitals. She is currently on the Healthy Start Coalition and The Daytona Women's Center boards. She is the clerkship director for obstetrics and gynecology for the FSU College of Medicine's Regional Campus at Daytona Beach, as well as the medical director for the Sexual Assault Response Team. She co-founded and actively supports the Daytona Beach Blues Festival.

“I always knew that Intracoastal Bank was a different kind of bank. When a current board member first
suggested the possibility of being on the board, I was a bit intimidated since I come from outside the
banking and finance industry,” admits Dr. Carbiener. “When I started to research the opportunity, I
found that the bank made it extremely easy, with the use of technology, to connect with their customer
which includes me. Add the personal touch and I was convinced,” Carbiener added.

Intracoastal Bank is a locally owned and operated financial institution. Intracoastal Bank’s main banking
center is located at 1290 Palm Coast Parkway, NW, Palm Coast, Florida 32137. The Bank’s Lending
Center is located at 1659 N. Clyde Morris Blvd Ste 2, Daytona Beach, FL 32117. The Bank serves the
Northeast and East Central Florida area. The bank offers a full range of deposit and loan products
tailored to meet the needs of customers and the community. The bank is a state charted commercial
bank, member FDIC. Intracoastal‘s 5-Star "superior" rating distinguishes the Bank as one of Florida’s
strongest, safest financial institutions, according to BauerFinancial, Inc.

More corporate information and e-banking are available at http://www.intracoastalbank.net/.

For further information, please feel free to contact:

Bruce Page
President & C.E.O.