IN TOM HALL'S MIND, the conversation on the fairway might go something like this:

“I'm going down to Ocean Reef this
weekend with my bank.”
“Oh, who's your bank?”
“First National.”
“That's great. How do you get to do that?
“You've got to be part of its private
banking program. …”

Actually, you need to have at least $300,000 invested with the bank and all but pay for the trip yourself, but those are details.

Hall, senior vice president, re

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