Smart financial advice from local experts... Dollar & ense Community Banks Build Communities ByWes Stripling, First National Bank &Trust Community Bank President Why choose a community bank over a big megabank? Community banks are an integral part of local economies; we reinvest local dollars back into the community and help create local jobs. Our relationship banking philosophy is ingrained in the way we conduct business, one loan-one customer-at a time. Local reinvestment helps small businesses grow and helps families finance major purchases and build financial security Community Banks Offer: Local Focus: Unlike larger banks that may take deposits in one state and lendin others, community banks channel their loans to the neighborhoods where their depositors live and work, which helps local businesses and communities thrive Relationship Banking: Community bank officers know their customers and may consider family history and discretionary spending in making loans. Megabank loan officers apply impersonal qualification criteria, such as credit scoring, without regard to individual circumstances Innovative Solutions: Community bankers also work hand in hand with customers to ensure they have access to the best innovations possible to meet their needs-such as the most secure, reliable and convenient payment options Lending Leadership to Small Business: According to the Federal Reserve's Smail Business Credit Survey Report on Employer Fims, community banks are the small business lender of choice. .80 percent of independent businesses that used community banks report they were satisfied with their overall experience, compared with 78 percent for oredit unions, 61 percent for large banks and just 46 percent for online lenders Independent businesses that apply for loans with community banks are the most successful and the most satisfied. Community Engagement and Accessibility: Community bank officers are typicaly deeply involved in their local communities, donating their time, dedication and resources to local causes that make a diference in the lives of residents, while megabank officers are often detached from the communities where their branches are located. As local small businesses themselves, community banks only thrive when their customers and communities flourish. We answer to our local communities. Megabanks are driven by shareholder value and answer to Wall Street When it's time for you to make the switch to a community bank here are some tips to remember before switching: Make sure all outstanding checks have deared before dosing your old checking account. Open an account atyour new bank before you leave your old bank Donotdose the old bank accountuntilyou are sure any direct deposits or automatic bill payments have transferred to the new account Because we live and work in our communities, we have a vested interest in pricing our products fairly and practicing sensible underwriting when extending loans. People like knowing that their money is being put to work in their community, and when you bank locally with a community bank, we're all working together to make it a better place for all who call it home First National Bank & Trust Rooted in Your Community Since 1887 3805 10th St. Menominee 906.863.7861 fnbimk.com Smart financial advice from local experts... Dollar & ense Community Banks Build Communities ByWes Stripling, First National Bank &Trust Community Bank President Why choose a community bank over a big megabank? Community banks are an integral part of local economies; we reinvest local dollars back into the community and help create local jobs. Our relationship banking philosophy is ingrained in the way we conduct business, one loan-one customer-at a time. Local reinvestment helps small businesses grow and helps families finance major purchases and build financial security Community Banks Offer: Local Focus: Unlike larger banks that may take deposits in one state and lendin others, community banks channel their loans to the neighborhoods where their depositors live and work, which helps local businesses and communities thrive Relationship Banking: Community bank officers know their customers and may consider family history and discretionary spending in making loans. Megabank loan officers apply impersonal qualification criteria, such as credit scoring, without regard to individual circumstances Innovative Solutions: Community bankers also work hand in hand with customers to ensure they have access to the best innovations possible to meet their needs-such as the most secure, reliable and convenient payment options Lending Leadership to Small Business: According to the Federal Reserve's Smail Business Credit Survey Report on Employer Fims, community banks are the small business lender of choice. .80 percent of independent businesses that used community banks report they were satisfied with their overall experience, compared with 78 percent for oredit unions, 61 percent for large banks and just 46 percent for online lenders Independent businesses that apply for loans with community banks are the most successful and the most satisfied. Community Engagement and Accessibility: Community bank officers are typicaly deeply involved in their local communities, donating their time, dedication and resources to local causes that make a diference in the lives of residents, while megabank officers are often detached from the communities where their branches are located. As local small businesses themselves, community banks only thrive when their customers and communities flourish. We answer to our local communities. Megabanks are driven by shareholder value and answer to Wall Street When it's time for you to make the switch to a community bank here are some tips to remember before switching: Make sure all outstanding checks have deared before dosing your old checking account. Open an account atyour new bank before you leave your old bank Donotdose the old bank accountuntilyou are sure any direct deposits or automatic bill payments have transferred to the new account Because we live and work in our communities, we have a vested interest in pricing our products fairly and practicing sensible underwriting when extending loans. People like knowing that their money is being put to work in their community, and when you bank locally with a community bank, we're all working together to make it a better place for all who call it home First National Bank & Trust Rooted in Your Community Since 1887 3805 10th St. Menominee 906.863.7861 fnbimk.com