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PALM COAST, FL( February 7, 2013) – Bruce Page, President and Chief Executive Officer, today
announced the addition of Richard Luce to the Intracoastal Bank team as Vice
President/Portfolio Manager for the Bank. In this capacity Luce will oversee all aspects of the
Bank’s loan risk management function and will provide a wide range of credit and sales support
services to the Bank’s Lending Group. Over the past two years he has worked with Intracoastal
Bank as a Risk Management Consultant. Prior to joining Intracoastal Bank, Luce was a
Corporate Banking Relationship Manager for Floridian Bank, Prosperity Bank, and SunTrust
Bank, all within the Volusia, Flagler and ST Johns Counties market. He comes to Intracoastal
Bank with a wealth of local banking experience. During his 36 years in banking, Luce has served
in various capacities including retail office manager, business lending, corporate lending,
commercial real estate project lending, and portfolio management.

Richard has been active in various organizations including Daytona Civitans, United Way,
Habitat for Humanity, Daytona Beach Quarterback Club, and Daytona Association of Realtors.
Richard attended the University of Florida and graduated with a degree in Business
Administration. Page stated, “We are thrilled about Richard joining our team. As a lifelong
resident of this area and his vast experience in banking, Richard will continue to play a vital
role within the Bank.”

Intracoastal Bank, headquartered in Palm Coast, is Flagler County’s only 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, Suite 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

For further information, please feel free to contact:

Bruce Page
President & C.E.O.
1290 Palm Coast Parkway NW
Palm Coast, FL. 32137
Office: 386- 449-0958
Fax: 386-447-1663
Cell: 386-864-0611
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