Amendment to Employment Agreement

Exhibit 10.28

Amendment to Employment Agreement

This Second Amendment (this “Amendment “), dated as of April 1, 2016, to the Employment Agreement, made as of May 1, 2014 and as amended as of September 1, 2015 (the “Employment Agreement “), between the Florida Community Bank, National Association (the “Company”) and Kent Ellert (“Executive”).

WHEREAS, the Company and Executive now wish to amend the Employment Agreement in accordance with the provisions of Section 7(n) of the Employment Agreement;

NOW, THEREFORE, in consideration of good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree to amend the Employment Agreement as set forth herein.

I.      The second sentence of Section 5(b)(i) of the Employment Agreement is hereby deleted in its entirety and replaced with the following:

“In consideration of the payment by the Company to Executive of amounts that may hereafter be paid to Executive pursuant to this Agreement (including, without limitation , pursuant to Sections 3 and 4 hereof) and other obligations undertaken by the Company hereunder , Executive agrees that during (I) his employment with the Company , and (2) the period beginning on the date of termination of employment and ending on the second anniversary of the date of termination of employment (the “Covered Time”), Executive shall not, directly or indirectly , engage (as owner, investor, partner, stockholder, employer, employee, consultant, advisor, director or otherwise) in any Competing Business in any Restricted Area (each as defined below) , provided that the provisions of this Section 5(b)(i) will not be deemed breached merely because Executive owns less than 5% of the outstanding common stock of a publicly-traded company.”

IN WITNESS WHEREOF, each of the parties hereto has caused this Amendment to be duly executed effective as of the date first written above.