Florida Capital Bank Presidents

Mr. Owston serves as Executive Vice President and Chief Operating Officer of Florida Capital Bank, N.A. He is responsible for bank operations around Florida. Additionally, he is President and CEO of Florida Capital Bank of Central Florida. Mr. Owston established the bank's operations in the Central Florida market in 2005. Prior to joining Florida Capital Bank in August 2005, Mr. Owston spent 20 years with Wachovia Bank, formerly First Union. During his career with Wachovia Bank, Mr. Owston served in various leadership and business development roles within the Florida market. Before joining Wachovia Bank, he was a commercial banker with SunTrust Bank in Orlando. Mr. Owston attended the University of Florida and the University of Central Florida and holds a bachelor's degree in Finance.

Mark F. Johnson is President and CEO of Florida Capital Bank Mortgage, a Division of Florida Capital Bank, N.A. He was formerly the founder, President and CEO of Florida Bank Mortgage from 2002-2004, and from 1976-2002, he served HomeSide Lending, Inc., as Executive Vice President of Production and Secondary Marketing, as well as many other senior level positions. Prior to its acquisition by Washington Mutual in 2002, HomeSide Lending was the 7th largest mortgage banking company in the country. Mr. Johnson is past Chairman of the Mortgage Bankers Association of America Secondary and Capital Markets committee and a member of both the FannieMae Southeast Regional Advisory Board and the GMAC Residential Funding Corporation Advisory Board. Mr. Johnson received his bachelor’s degree at Valdosta State College and is a graduate of the MBA’s School of Mortgage Banking at Northwestern University. He is a native of Jacksonville, Florida.

Prior to joining Florida Capital Bank, Mr. Bishop spent 19 years with Wachovia Bank. He was most recently the Commercial Bank Director for Wachovia in Palm Beach and the City Executive for Boca Raton. He has also served as the Commercial Bank Manager for Miami-Dade, Broward and Palm Beach Counties, as well as various other leadership and relationship management positions during his career with Wachovia, First Union and Southeast Bank. He is a native Floridian from Miami.

Mr. Bishop is active in the community, serving on the board of directors of the Boca Raton Chamber of Commerce and the board of directors for The Centre for the Arts at Mizner Park. He serves on the Boca Raton Community Hospital Foundation Board and is on the executive and investment committees, as well as various subcommittees. He serves on the board of the Optimist Foundation of Boca Raton. In addition, he was nominated for the 2003 South Florida Leading Man Award, sponsored by the Cystic Fibrosis Foundation and based on business, charitable involvement, leadership and the individual’s positive impact on the community.

Prior to joining Florida Capital Bank in August 2005, Mr. Faircloth served as Executive Vice President for Mercantile Bank’s Tampa region, overseeing the bank’s commercial lending activities. He has more than 19 years of banking experience and has also been employed by Florida Bank, SouthTrust Bank and First Florida Bank.

Mr. Faircloth serves as a Director for Neighborhood Housing Partners—a low-income loan consortium offering financing for affordable housing projects. He also serves as a member to the Hillsborough County Regional Advisory Council for the University of Florida Foundation.

Mr. Hester brings more than 27 years of banking experience to Florida Capital Bank. Prior to joining the Bank, he was employed with Mercantile Bank as an Executive Vice President in charge of the Commercial Banking Division in the Tampa region. Mr. Hester also held senior-level positions with Barnett Bank of Pinellas County and Bank of America, where he managed 16 western states in the National Accounts Group for its Dealer Financial Services Division.

Mr. Hester is involved in his community, where he currently serves on the Seminole City Council. Mr. Hester has also served on the board of directors for the Society for the Prevention of Cruelty to Animals. In addition, Mr. Hester belongs to the Seminole Chamber of Commerce and has served in various capacities with March of Dimes, United Way, Big Brothers Big Sisters and PARC (Pinellas Association for Retarded Children).

Mr. Holley manages the operations of the Florida Capital Banks in Duval, St. Johns, Nassau and Clay counties and has spent 25 years in the banking industry. Prior to joining the Bank, he was President, Northeast Florida, and Senior Vice President, Middle Market Banking for Bank of America, covering Northeast Florida and South
Georgia. During that time, he achieved his Six Sigma Green Belt certification. He joined Bank of America after it acquired Barnett Banks, Inc., where he managed corporate banking in Pinellas County. His career began at Southeast Bank in Miami, Florida.

Mr. Holley is committed to serving the community. He is currently a trustee for the Jacksonville Regional Chamber of Commerce and is a board member for both the YMCA of Florida’s First Coast and the Northeast Florida Council of the Boy Scouts of America. He serves as an executive board member on the University of North Florida Foundation. He is also a board member of the Baptist Health Foundation, as well as the current chair elect. He served as chair of Cornerstone in 2003 (the Jacksonville chamber’s economic development organization). He was appointed in 2002 by Jacksonville Mayor Delaney to chair the Preservation Project and was appointed in 2003 by Mayor Peyton to chair the Blue Ribbon Commission (the mayor’s transition subcommittee for financing efficiency).

Prior to joining Florida Capital Bank, Mr. Johnson spent four years as a Commercial Relationship Manager with Florida Bank of Alachua County. He has also held several commercial relationship management positions during his career with both SunTrust and First Union. In 1999, Mr. Johnson was named the top Commercial Relationship Manager for SunTrust.

Mr. Johnson is active in the community, serving as the current Board President for the Neighborhood Housing and Development Corporation, a non-profit affordable housing provider. In addition, Mr. Johnson is the past Board President for Crime Stoppers of Alachua County. Mr. Johnson has also served the community in various capacities with the Alachua County Chamber of Commerce, March of Dimes and the YMCA.

Prior to joining our company, Ms. Ramirez was employed by Bank of America as Market President of Volusia, Flagler and Putnam Counties. She also was a Senior Client Manager for Bank of America’s middle market banking team, covering 10 Central Florida counties. She began her banking career in 1988 with Barnett Bank of Volusia and Flagler Counties, a predecessor to Bank of America.

Ms. Ramirez is very active in the community, serving on a variety of non-profit boards. She served as President of FUTURES, Inc., the Education Foundation for Volusia County Schools, and has served as chair of the Volusia County Take Stock in Children program. She is a member of the Ormond Beach Kiwanis Club, Halifax Business & Professional Women’s Club and Daytona Beach Leadership Council. She also serves on the advisory boards of the College of Arts & Sciences at Stetson University and Whitney Laboratory for Marine Bioscience at the University of Florida.

In addition to her community involvement, Ms. Ramirez has received many awards, including the Marvin Samuels Leadership Award in 2004 from the Halifax/Daytona Chamber of Commerce and the Women’s Lifestyle Spirit Award in 2006. The Volusia/Flagler Business Report also named her one of the “2007 Most Influential Women in Business.”