Andrew W. Stein

President/CEO and Director of Summit Bank, N.A.
and Summit Financial Enterprises, Inc.

Andrew Stein was Regional President of Regions Bank until April 2007. During his 11 years with Regions, he held positions of increasing responsibility, including Market President for Bay and Walton Counties, Group President for the Panhandle of Florida and Regional President for Alabama and the Florida Panhandle. From 1989 to 1997, he served as President and CEO of Florida First Bancorp, Inc., headquartered in Panama City, Florida. He continued his employment with Florida First after it merged with Regions in 1997. Prior to becoming President and CEO of Florida First, Stein held several positions of increasing responsibility with banks including Chief Financial Officer, Chief Lending Officer and Branch Administrator. He has a Master’s Degree in Business Administration and is a Certified Public Accountant (license inactive). Stein has held several leadership positions with civic, philanthropic and governmental entities in the Panama City area.

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Summit Bank, N.A. is regulated by the Office of the Comptroller of the Currency, 500 North Akard Street Suite 1600, Dallas TX 75201