A Letter From The President

Dear Investor:

I believe you have something in common with Alpha Bank & Trust. If you have observed or even experienced a widening gap in the financial services marketplace - a gap between your expectations and the service and performance you actually experience - then we share a common experience. You see, as a leader in the investment field I, too, observed this gap.

At first the big brokerages wanted only six figure and larger accounts - and they wanted only fee-based "managed" or "wrap" accounts. Then bank trust departments renamed themselves things like "global wealth and investment management" and declared they would accept only one million dollar accounts, then three million, then five million, while still maintaining a penchant for their own in-house investments. Accounts with less than the minimum are relegated to a 1-800 call center. Performance and cost are secondary considerations. Conflicts abound. In fact, it was my job to lead teams managing billions of dollars through these sometimes painful changes and I knew there was a better way.

So from the day Alpha Bank & Trust was conceived, offering effective wealth management, including trust and investment services, has been at the foundation of our organization. Our focus is simple: it's your focus.

Though we have a disciplined investment process, we start by understanding your expectations for the assets you place with us. We do not tell you how to manage your entire financial life or force you to go through a five-step financial physical. If you ask us to, we will work with your other advisors to implement a comprehensive financial management plan but if you just want us to create and manage a solid stock or bond portfolio, we can do just that.

We have the tools to help you achieve your financial goals, even a five-step comprehensive financial analysis if that is what you need, or we can manage just the part that is most important to you at this point in time. With a full range of services, we stand ready to do all that is needed to ensure your goals are met now and in the future.

We sum it up this way: Your Goals. Our Guidance ™.

The Team

John P. Atwill

Senior Vice President and Wealth Management Executive







Mr. Atwill has been with Gainesville Bank & Trust for the past six years where he managed a Trust & Investment Division with assets of $100 million and more than 300 client relationships. Prior to joining the Gainesville bank, Mr. Atwill was in trust and wealth management with SunTrust Bank, Fidelity Investments and SouthTrust. A graduate of Florida State University and the Cannon Trust School at the University of North Carolina at Charlotte, he is a Chartered Financial Consultant and a Chartered Advisor for Senior Living. Mr. Atwill is a member of the Kiwanis Club of Gainesville, a member of the Gainesville Estate Planning Council and has served on the Planned Gifts Committee for the Northeast Georgia Regional Medical Center.

Contact John at 770-536-5112 or jatwill@myalphabank.com

Ela Lopez

Wealth Management Specialist







Ela is an experienced Wealth Management Specialist, well-versed in all trust operations matters and, most importantly, a pleasure to talk to. Ela has worked with a multinational clientele and thrives on regular contact with her clients. She supports the wealth management team in their daily work with clients, ensuring we meet your high standards of service.

Contact Ela at 678-534-3683 or elopez@myalphabank.com

Gail Tipton

Wealth Management Specialist








Gail Tipton will bring more than 10 years of trust and investment experience to Alpha Bank & Trust, most recently with Gainesville Bank & Trust. A Registered Investment Advisor with a concentration in human resources and employee benefits, Ms. Tipton has also served as in a trust, investment and wealth management capacity for Wachovia, Appalachian Community and United Community Banks. She earned an MS in Organizational Behavior from Capella University in Minnesota and an MBA from Brenau University in Gainesville, GA. Ms. Tipton is a member of the Society of Human Resources Management, Foothills of Georgia Chapter and the Gainesville Kiwanis Club.

Contact Gail at 770-536-5112 or gtipton@myalphabank.com

Jolie Sims

Wealth Management Specialist








Jolie Sims, also from Gainesville Bank & Trust. Ms. Sims has an extensive background in a variety of investment products ranging from irrevocable trusts to employee benefits to estate plans. Prior to joining Gainesville Bank & Trust, she served in a similar capacity for SunTrust Bank. A graduate of the University of Georgia, Ms. Sims has also studied at Cannon Financial Institutions in Atlanta and Myrtle Beach, SC. Her extensive community involvement includes serving on the board of the Gainesville Kiwanis Club, and the advisory boards of Northeast Georgia Medical Center, Brenau University and the Edmondson Telford Center for Children. Ms. Sims is a 2004 graduate of Leadership Hall County.

Contact Jolie at 770-536-5112 or jsims@myalphabank.com