Florida Banking May 2023

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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 Erica Nelson Advertising Sales Executive 763-497-1778 Erica@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 2023 Alex Sanchez President and Chief Executive Officer

THE MAGAZINE OF THE FLORIDA BANKERS ASSOCIATION

VOLUME 38

NUMBER 4

MAY 2023

ON THE COVER 8 �� Intercredit Bank: Embracing Digital Banking to Expand in the United States CONTENTS 4 �� Chair’s Message 6 �� Straight Talk from the President’s Desk 14 �� BancServ Endorsed Partner: ‘Keep It Long Enough, It Willl Come Back in Fashion’: Buydown Program Considerations 16 �� Trust Banking: The Florida Family Trust Trifecta 22 �� 67th Annual Washington, D.C., Trip 26 �� Personal Transactions 28 �� Kudos 30 �� Upcoming Events 31 �� Did You Know? 31 �� Advertising Directory

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

Bill Penney Chair Jose Cueto Chair-Elect

Fab Brumley Immediate Past Chair

Greg Nelson Second Immediate Past Chair

On the Cover: Intercredit Bank President and CEO Simon Cruz

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

Photos by Steven Martine Photography

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