| Investment Management |

Sabal Trust Company's philosophy is to construct individual portfolios using customized investment strategies to achieve each client's goals and objectives. There is a consistent ongoing process of monitoring and feedback to assure adherence to the highest asset management and fiduciary standards.

Our Portfolio Construction Process is based upon:

Asset Allocation

Diversification

Style Discipline

Sector Expertise

Tax Efficiency

Consistency

Investments with Solid Fundamental Characteristics

Sabal Trust Company Core Equity Strategy

Designed for clients looking for stable income with capital appreciation potential

Focuses on high quality companies with above average dividends that exhibit historical and future earnings growth

Provides diversification across economic sectors

Portfolio structure is designed to reduce portfolio volatility

Incorporates approximately 35 individual stocks that contain earnings visibility and predictability and possess favorable growth characteristics versus the market

The objective for this strategy is to have moderate turnover and to manage trades where possible for tax-efficiencies.

A sell discipline is in place to identify securities that no longer meet our Investment Committee's criteria, are underperforming or have reached valuations that no longer make them attractive.

We also utilize high quality fixed income instruments to provide enhanced diversification, protection of principal and stable cash flows to the portfolios.

Personal Services

Inside this section:

| Investment Management |

Our Portfolio Construction Process is based upon:

Sabal Trust Company Core Equity Strategy

Inside this section: Investment Management Trust Services Estate Settlement Services	\| Investment Management \| Sabal Trust Company's philosophy is to construct individual portfolios using customized investment strategies to achieve each client's goals and objectives. There is a consistent ongoing process of monitoring and feedback to assure adherence to the highest asset management and fiduciary standards. Our Portfolio Construction Process is based upon: Asset Allocation Diversification Style Discipline Sector Expertise Tax Efficiency Consistency Investments with Solid Fundamental Characteristics Sabal Trust Company Core Equity Strategy Designed for clients looking for stable income with capital appreciation potential Focuses on high quality companies with above average dividends that exhibit historical and future earnings growth Provides diversification across economic sectors Portfolio structure is designed to reduce portfolio volatility Incorporates approximately 35 individual stocks that contain earnings visibility and predictability and possess favorable growth characteristics versus the market The objective for this strategy is to have moderate turnover and to manage trades where possible for tax-efficiencies. A sell discipline is in place to identify securities that no longer meet our Investment Committee's criteria, are underperforming or have reached valuations that no longer make them attractive. We also utilize high quality fixed income instruments to provide enhanced diversification, protection of principal and stable cash flows to the portfolios.

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