LOCATIONS Investor FAQs When was the Company founded/incorporated? Where is the Company traded? What industry is the Company in? Does the Company pay dividends? Who is the Company's transfer agent? What is a transfer agent? Who are the Company's external legal counsel? Who are the Company's Independent Auditors? What analysts cover the Company stock? Are First Citizens Bank bank accounts FDIC insured? Who can I contact to receive further information about the Company? When was the Company founded/incorporated? Sun American Bancorp is a single bank holding company headquartered in Boca Raton, Florida and organized under the laws of the State of Delaware. Sun American Bancorp was originally incorporated in 1992 under the name of PCM Acquisition Group, Inc., for the sole purpose of acquiring Florida First International which was renamed Southern Security Bank Corporation. In 2001, Southern Security Bank Corporation acquired the assets and assumed deposits and certain liabilities of PanAmerican Bank. As part of the transaction, Southern Security Bank adopted the name PanAmerican Bank and the Company was renamed PanAmerican Bancorp. On January 12, 2006, the Company changed its name from PanAmerican Bancorp to Sun American Bancorp. On January 20, 2006, we also changed the name of our bank subsidiary from PanAmerican Bank to First Citizens Bank. (back to top) Where is the Company traded? We are trading on the so called “Pink Sheets”/OTCBB. This is an electronic over the counter market that has market makers buying or selling our stock for new or existing shareholders. We have over 5 market makers making a market on our stock including Knight Securities and UBS. It is an electronic trading system similar to NASDAQ but smaller The symbol (samb) has remained the same except for Yahoo (samb.pk).(back to top) What industry is the Company in? Community commercial and consumer banking. Does the Company pay dividends? No. Who is the Company's transfer agent? Olde Monmouth Stock Transfer Company Incorporated 200 Memorial Pkwy. Atlantic Highlands, NJ 07716-1655 (back to top) What is a transfer agent? A transfer agent and registrar for a publicly held company keeps records of every outstanding stock certificate and the name of the person to whom it is registered. When stock changes hands, the transfer agent transfers the ownership of the stock from the seller's name to the buyer's name. The registrar reconciles all transfer records and makes sure that the number of shares debited is equal to the number of shares credited. The Company's transfer agent is Olde Monmouth Stock Transfer Company Incorporated. The transfer agent does not maintain records of shares bought and sold through brokerage accounts. Those records are maintained by the specific brokerages through which the shares are bought and sold.(back to top) Who are the Company's external legal counsel? Greenberg Traurig, P.A. 5100 Town Center Circle Suite 400 Boca Raton, FL 33486 Who are the Company's Independent Auditors? Carr, Riggs & Ingram, LLC 2999 Ross Clark Circle, Suite 200 Dothan, AL 36301 What analysts cover the Company stock? Keefe Bruyette Woods, Inc. 3455 Peachtree Road NE, Suite 450 Atlanta, GA 30326 Are First Citizens Bank bank accounts FDIC insured? Yes. Deposits are insured in amounts up to applicable FDIC insurance limits (generally $250,000 per account). Who can I contact to receive further information about the Company? Please contact our Corporate Secretary at: Sun American Bancorp 9293 Glades Road Boca Raton, FL, 33434 Tel: (561) 544-1908 (back to top)

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