Stonegate Bank provides a wide variety of standard traditional banking products. This product line will be supported and enhanced by a high level of technology. The delivery of these products will be with a strong emphasis on personalized, relationship-driven service. The consolidation and merger of numerous financial institutions within the market has left a large segment of the small business and consumer market under-served. These clients have been negatively impacted by the shift to a regional bank product line focused on generating transactional fee income based products, as opposed to managing relationships to the mutual benefit of the customer and the bank.