Florida Banking July 2022

Editorial & Executive Offices 1001 Thomasville Road, Suite 201 Tallahassee, FL 32303 850-224-2265 www.floridabankers.com Advertising & Production Offices 250 Prairie Center Dr., Ste. 300 Eden Prairie, MN 55344 952-835-2275 www.nfrcom.com For advertising information, contact Greg McCurry Senior VP - Business Development 952-835-2275 Greg@NFRcom.com For reprints or single issues, contact 800-336-1120 Statements of fact and opinion are made on the responsibility of the authors alone and do not imply an opinion or endorsement on the part of the officers or members of FBA. Florida Banking is published 11 times annually with a combined issue in December/January. Subscription price is $50 per year for nonmembers. Postmaster, send address changes to Florida Bankers Association, P.O. Box 1360, Tallahassee, FL 32302. Copyright 2022 Alex Sanchez President and Chief Executive Officer A

THE MAGAZINE OF THE FLORIDA BANKERS ASSOCIATION

VOLUME 37 NUMBER 6 JULY 2022

ON THE COVER 8 - - - - - - - - Intracoastal Bank: Building Loyalty and Longevity

CONTENTS 4 - - - - - - - - -Chair’s Message 6 - - - - - - Straight Talk from the President’s Desk 12 - - - - Government Relations: Like a Horror Movie —The Credit Unions are Coming for Your Public Deposits Again! 13 - -BancServ Endorsed Partner: Synthetic Identity Fraud: A Serious Payments Industry Concern 16 - -Trust Banking: The Trustee's Tightrope — Balancing the Conflicting Interests of Income and Remainder Beneficiaries 18 -----------Milestones in Florida Banking 20 - - - - - - - - FBA Leadership Dinner Honoring Florida Gov. Ron DeSantis 24 - - - - - Personal Transactions 26 -------------Kudos 29 - - - - - - FBA Staff Spotlight 30 - - - - - - - Upcoming Events 31 - - - - - - - - DidYouKnow? 31 - - - - - Advertising Directory

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Florida Bankers Association asanchez@floridabankers.com Pamela Ricco Executive Vice President and Chief Operating Officer Florida Bankers Association pricco@floridabankers.com Brooke Harrison Publications Director Florida Bankers Association bharrison@floridabankers.com

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Bill Penney Chair Jose Cueto Chair-Elect

Fab Brumley Immediate Past Chair

Greg Nelson Second Immediate Past Chair

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On the Cover: Bruce Page, CEO and Director (Left), and Ryan Page, President and Chief Risk Officer

Florida Bankers Association: The voice of Florida banking since 1888.

Photos by Daniese Betito, Images for Business, Orlando, Fla.

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