1. CONTINUED…
GINGER BRELSFORD
16820 Oak Preserve Drive | Jacksonville, FL 32226
h—904.672.8739 | c—904.868.8281 | brelsfog@comcast.net
EXECUTIVE SUMMARY
COMMITMENT | LEADERSHIP | INTEGRITY
A proven visionary and strategic leader who translates business
strategies into maximum profits. An expert in developing
strategic deposit and consumer loan portfolio through the
development of a consistent sales management process. A proven
track record of implementing the necessary controls to ensure
operational soundness in conjunction with client management
processes for a superior customer experience and minimal risk
exposure. Dedicated to maintaining a reputation built on quality,
service and uncompromising ethics.
PROFESSIONAL EXPERIENCE
CERTUSBANK | PONTE VEDRA BEACH, FLORIDA MAY 2013-PRESENT
Director of Retail Banking | Executive Vice President
Responsible for acquisition and expansion growth of a $1.5 billion book of business. Developed and
implemented a new bank and retail business model structure to effectively drive deposit and loan performance
across a four state footprint. Successfully developed and executed deposit product lines, increasing liquidity
position to an all time high. Streamlined operation functions to meet and exceed regulatory expectations.
Managed a team of around 200 winning professionals from multiple lines of business, including Retail, Retail
Operations, Marketing, Communications, Customer Engagement and Learning and Development.
• Acquired $140 million in new deposits within a six-month period while staying within deposit pricing
guidelines and strategic goals.
• Created new incentive plans that generated loans and deposits according to the bank’s strategic plan.
• Built a retail leadership business plan and new organizational structure to support a six-region footprint
across all four states the bank serves.
• Increased loan utilization for consumer line products to an all-time high while maintaining a competitive
spread.
• Member of CertusBank’s executive leadership team, risk and operating committees.
ATLANTIC COAST BANK | JACKSONVILLE, FLORIDA MAY 2012-MAY 2013
Director of Retail And Marketing | Senior Vice President
Implemented retail deposit sales strategy that allowed the organization to achieve high water marks in deposit
production while lowering cost of funds by over 20 basis points and leveraging low cost marketing efforts.
Developed and executed retail sales incentive plan supporting bank’s strategic plan of growing core deposits
and high quality asset growth. As a result, nine out of eleven branches saw increases in non-interest income
and six out of eleven branches saw net deposit core growth in 2012.
AREAS OF EXPERTISE
• Sales and Service Management
• Business Development
• Coaching and Development
• Retail Banking Expert
• Executive Leadership
• Strategic and Tactical Planning

2. G I N G E R B R E L S F O R D P A G E 2
CONTINUED…
• Successfully developed and executed deposit campaign, resulting in a gross deposit growth of $50 million
in six months while lowering cost of funds, incenting top producers and keeping marketing costs to a
minimum.
• Grew average monthly deposits from $1.0MM to well over $4.5MM monthly.
• Developed and implemented performance scorecards and incentive plans for all retail job families to
complement strategic plan of growing deposits, maintaining capital, investing in human capital and
driving strong quality asset growth.
• Developed and executed corporate community strategy to include random acts of kindness, business
spotlights and development of community rooms for future prospects and community events.
• Developed and implemented employee retention strategy to include personal development and growth
plans, quarterly review process, onboarding, and enhanced training and development processes.
FIRST GUARANTY BANK AND TRUST | JACKSONVILLE, FLORIDA 2008-MAY 2012
Retail Banking Director | Vice President
Implemented sales management processes for the bank, leading to a 500% increase in gross core deposit sales.
Reached all-time highs in deposit retention dollars, resulting in net positive balance sheet growth for five
branches in 2011. Significantly exceeded budget expectations on core deposits in 2010 and 2011. Lead vision
and strategy for senior management decisions including bank growth, retention plans and standardization of
best practices. Effectively managed Merchants Services, Cash Management, Retail Bank Administration, Call
Center and Retail Branch network departments. Partnered with Learning and Development to implement
client management strategies including pipeline management, business development, outbound calling efforts
and profiling tools.
• Developed and implemented FDIC training for all sales employees to reduce potential client exposure
and provide an avenue for deposit growth.
• Successfully lead multiple deposit campaigns resulting in record breaking gross deposit sales for the
bank. Increased sales from an average of $500k/month in gross deposit sales to $2.5MM/month.
• Revised fee structure for ATM services resulting in an increase in income of over 40%. Streamlined
interest rate tiers for deposit products resulting in over $300,000 in expense reduction in 2010. Reduced
staffing model by 30%, far exceeding salary expense budget in 2011. Negotiated contract with Harland,
leading to a reduction in cost of 25% to the bank for all checking products and a bank credit of $20,000.
• Developed employee development career pathing program in conjunction with individual performance
plan scorecards for each job family, resulting in improved employee engagement, team culture and
increased employee and customer retention.
• Designed and implemented our Service Commitment and Client Management programs.
FAMILY FOUR FITNESS, LLC DBA CONTOURS EXPRESS | JACKSONVILLE, FLORIDA 2006-2008
Small Business Franchise Owner
Owner operator of women’s boutique gym. Trained women on proper exercise techniques. Provided
nutritional advice to support health plan. Ran daily operations to including new sales, personal training,
managing personnel and bookkeeping. Worked directly for the corporate office on training initiatives.
• Highest membership sales for new franchises across the company in first year of business.
• Developed training program that supported new franchise owners success that was adopted by the
company as a best practice.
• Set standard for pro-shop sales across the company.
• Graduated from corporate training program as a personal trainer.

3. G I N G E R B R E L S F O R D P A G E 3
WACHOVIA BANK | ATLANTA, GEORGIA 1994-2005
Service Director | Vice President
Responsible for Sales and Service performance for a 78-branch network in the Atlanta market. Directed
recruitment and retention efforts of seven Regional Service Leaders and staff of 680 employees. Provided
supervision of efficient daily operations for entire branch network, including operations. Promoted a sales and
service culture through increased deposit and loan product sales and customer service. Trained, supervised
and evaluated staff on sales, service, retention, profitability, business planning, business development and
leadership growth. Implemented personal development plans for all employees with a high success rate in
employee retention and promotions. Member of merger and acquisition team.
• Drove deposit growth from an average of $300,000 to $750,000 per office per month.
• Increased Gallup Service Scores by an average of .20 basis points annually.
• Nominated and Won Regional Leadership Award for Outstanding Performance.
• Nominated and accepted into Leadership Cobb 2003.
• Nominated and accepted into Georgia 100 Mentor Program 2003.
EDUCATION
OMEGA COMMERCIAL LOAN TRAINING
Certification Complete
OKALOOSA COMMUNITY COLLEGE
General Studies with a focus on business management
CHATTAHOOTCHEE TECHNICAL COLLEGE
General Studies with a focus on business management
COMMUNITY INVOLVEMENT
The Jacksonville Rotary Club | Member
Easy Peasy Kids Foundation | Treasurer and Board Member
Church of Eleven 22 | Member
Girls on the Run | Buddy
Second Harvest | Leader of Food Drive and Team Building
Breast Cancer Research Foundation | Lead on Charity Drive
Ronald McDonald House | Lead on Charity Drive
Hubbard House | Fund Raiser Chair
REFERENCES AVAILABLE UPON REQUEST