A Note of Optimism by euh19799


									Berlin                                                                                                            PRSRT STD
                                                                                                                                                                                                                           1st National Bank | Fall 2009
920-361-2400                                                                                                     U.S. POSTAGE
140 W. Huron St.                                                                                                    PAID                                                                                     In this Issue
                                                                                                                 PERMIT NO. 90
Green Lake                                                                                                       OShkOSh, WI
920-294-1001                                                                                                                                                                                                 In the Spotlight!                Page 2
                              PO Box 310
W1208 State Rds. 23/49
                              Berlin, WI 54923-0310
                                                                                                                                                                                                             We Have Roots                    Page 2
608-297-8100                                                                                                                                                                                                 Gift Giving                      Page 3
408 Main St.
                                                                                                                                                                                                             EZdeposit TM                     Page 4
920-685-5800                                                                                                                                                                                                 Protect your Assets              Page 4
120 Alder Ave.

Poy Sippi
N4259 State Rd. 49

                                                                                                                                  The Green Scene                                                         A Note of Optimism
                                                   We warmly welcome your feedback! Please contact:
608-849-6400                                                                                                                      1st National Bank strives to make our communities better places to
1330 Montondon Ave.                       Stacey Schuster | 920-361-6056 | sschuster@firstnationalbanks.biz
                                                                                                                                  live and work. We invite you to join us as we do our part to conserve
                                    The articles and information in this newsletter are for general information and are                                                                                   You may be wondering if optimism is even
Westfield                                                                                                                         and improve the environment we share. We enjoy seeing you
                                                        not intended as legal or accounting advice.                                                                                                       warranted. The stock market has seen
608-296-1727                                                                                                                      daily, weekly or monthly and are happy to offer innovative financial
                                                                                                                                                                                                          some positive movement and negative
356 S. Pioneer Park Rd.                                                                                                           solutions so you can bank conveniently. Changing the way you bank

                                “Fulfilling the dreams of people, businesses and                                                  can be intimidating. We warmly welcome your questions as you join
                                                                                                                                  us in our go green initiatives.
                                                                                                                                                                                                          news in the financial industry seems to
                                                                                                                                                                                                          have slowed. Some experts predict that the
920-582-9100                                                                                                                                                                                              economy will start shifting momentum in
908 E. Main St.               communities through innovative financial solutions.”                                                1st Online cash management, business check cards, eStatements,
                                                                                                                                                                                                          the fourth quarter, into the first quarter
                                                                                                                                                                                                          of 2010.
                                                                                                                                  ACH Services, account reconciliation, EZdeposit, direct payment,
                                                                                                                                  mobile banking and telephone banking are convenient services that
                                                                                                                                                                                                          Community banks have offered business
                                                                                                                                  create an electronic rather than paper trail.
                                                                                                                                                                                                          solutions during these unprecedented

   Run your business without                                    Protect your Assets                                               1st Online Cash Management
                                                                                                                                                                                                          economic times. Take the opportunity to
                                                                                                                                                                                                          review long-term strategies and financial
                                                                                                                                  Transfer funds, check balances, get eStatements and much more           goals. Keep them in mind as you make
       the run around!                                          Businesses are advised to employ fraud prevention and
                                                                detection systems as a result of a fraud jump in small and
                                                                                                                                  without ever leaving your office!                                       decisions amidst the economic challenges
                                                                                                                                                                                                          of today, tomorrow and beyond.
                                                                mid-size companies in the U.S., resulting in drained bank         eStatements
                          EZdeposit TM                          accounts.                                                         An electronic version of paper statements. Eliminate the paper,
                  your remote deposit solution.                                                                                                                                                           Financial integrity and trust is at our core
                                                                                                                                  envelopes and stamps.                                                   and we continue to make loans for
                                                                                                                                                                                                          projects that improve our communities. Our
 In the last two years, EZdepositTM has                                   1. Safeguard your electronic assets with features       Account Reconciliation
                                                                                                                                                                                                          attention is on the success of businesses
 revolutionized the way businesses do banking.                              like network security, remote access and              Keep records up to date while you save time, money and
                                                                                                                                                                                                          and families in our communities.
                                                                            application security controls.                        eliminate clutter.
 Banks are now able to process check images                                                                                                                                                               Accepting deposits and lending money
                                                               Best Practices

 and do not need the original paper checks.                                                                                       Check Cards                                                             within our communities helps us all grow
 As a result, businesses are able to:                                     2. Review monthly bills and statements to ensure        Make everyday purchases from your checking account without the          and prosper.
  • Deposit checks without leaving the office.                              all purchases are warranted. Fraudulent fund          check! Simplify reconciliation and balancing.
                                                                            transfers in the U.S. as a result of compromised                                                                              1st National Bank is
  • Access funds from payments                                                                                                    Direct Payment                                                          shaped by its 133 year
    received faster.                                                        log-in credentials increased in 2009.
                                                                                                                                  Pay vendors and employees electronically and eliminate checks,          legacy and focused on
  • Receive faster check return notification.                                                                                     envelopes and stamps.                                                   your future. Thank you
  • Streamline reporting and                                              3. Require an internal dual control system in billing                                                                           for building a trusted
    accounting procedures.                                                  and payroll areas. Verify all payments are            ACH Services                                                            relationship with us.
  • Eliminate multiple banking relationships.                               accurate and all funds received are distributed       Disburse funds, speed up payments, make collections and reduce          We promise to
                                                                            properly. Schedule a thorough audit annually.         operating costs.                                                        continue strengthening that relationship
 EZdepositTM is ideal for clients who primarily                                                                                                                                                           for years to come.
 accept checks. All you need is a computer, an                                                                                    Wire Transfers
 internet connection and a qualified check                                                                                        When you need to send money quickly and safely, turn to the
                                                                The best defense is good offense and we are on your side!         convenience of a wire transfer.
 scanner. For more information or product
                                                                1st Online Cash Management is protected by encryption
 demonstration, call Treasury Management                                                                                          EZdepositTM
                                                                technology, keeping your password and information                                                                                         Tom Jensen
 Specialist, Jolene Hostak, 1-888-571-0249.                                                                                       Reduce trips to the bank to deposit checks and expedite cash flow.
                                                                related to you and your accounts completely safe.                                                                                         President and CEO
2 Business Connection                                                                                                                                                                                                                                        Business Connection 3

      In the Spotlight!                                                                                      Focused on Family
      Meet Steve Sponholtz, our                                                                                                                         Give the gift that never gets returned.
      registered Financial Advisor through UVEST                                                         In June 2009, 1st National Bank joined
      Financial Services. Steve is available to help                                                     the Wisconsin Family Business Forum             Visa® gift cards are perfect for rewarding valued customers, boosting employee morale, promotions and prizes.
      you create a strategy that may protect your                                                                                                        Gift cards give customers and employees exactly what they want - flexibility, convenience and ease of use.
                                                                                                         (WFBF) as a sponsor. The WFBF is a
      assets, take care of your employees and                                                            partnership of family business owners
      prepare for an enjoyable retirement.                                                               and professionals in the Fox Valley area         Pick up a gift card today!                                        Order a gift card online!
                                                                                                         that are dedicated to understanding and                                                                            Visit www.firstnationalbanks.biz for immediate
      Steve and his wife owned and                                                                                                                        Visit any 1st National Bank location and ask to
                                                                                                         support unique circumstances family-                                                                               access to a wide variety of gift card designs.
      successfully operated Sponholtz Photography                                                                                                         see the selection of unique gift card designs.
      in Berlin for 21 years. He understands the                                                         owned businesses face. Networking
      challenges business owners face and appreciates the difficulty of                                  offers members and sponsors a safe                                                                                 •   Give $20 to $750 per gift card (up to $2500
                                                                                                                                                          •    Give $20 to $750 per gift card (up to $2500 per                  per gift card for corporate and bulk orders)
      starting a retirement plan amidst tax and insurance priorities.                                    environment to exchange ideas,                        gift card for corporate and bulk orders)
                                                                                                         information and best practices.                                                                                    •   Select a design to fit the recipient
                                                                                                                                                          •    Select a design to fit the recipient and occasion                and occasion
      1st National Investment Services can tailor a retirement plan to                                                                                    •    Instantly receive the pre-activated gift card
      your long term financial objectives while taking into consideration                                                                                                                                                   •   Add your business logo (one time set-up
                                                                                                         Typically, six major programs that focus
      your current financial position. Steve joined 1st National Bank                                                                                                                                                           fee applies)
                                                                                                         on topics such as succession planning                                                                              •   Emboss with recipient’s name and add one
      as a personal banker and has since passed the FINRA Series 7                                       and healthy communication are held
      and 66 exams to become a registered Financial Advisor through                                                                                                                                                             of 16 standard embossed messages.
                                                                                                         annually. Participants of these
      UVEST Financial Services. He is the Berlin High School                                                                                              We are happy to make gift giving easy and affordable by offering reduced fees on bulk card orders.
                                                                                                         interactive programs are broken out into
      Assistant Basketball Coach and part of the Berlin Booster Club.
                                                                                                         small groups based on their position in
                                                                                                         the organization. Individuals interested             Card Service Fees                                        Bulk Shipping Fees
      Business owners with needs in the area of Retirement Plans,
      Key Person Insurance, Executive Benefit Plans, Employee                                            in joining the forum are allowed to attend           Number of Cards                 Price per Card           Number of Cards          Shipping Cost
      Benefit Plans, Corporate Investment Accounts, Retiree Service                                      one event at no cost.                                1-49                            $3.50                    1-24                     $14.70 + $0.30 per card
      may call Steve at 920-361-7776.                                                                                                                         50-100                          $3.30                    25-400                   $20.00 + $0.10 per card
                                                                                                                                                              101-500                         $3.10                    401+                     $14.00 + $0.10 per card
      Securities and insurance products offered by UVEST Financial Services and its affiliates, member   Visit http://wfbf.uwosh.edu or contact our
      FINRA/SIPC. Investment advisory services offered by UVEST Financial Services, a SEC registered                                                          501-1000                        $2.90
      investment advisor. UVEST and 1st National Investment Services are independent entities. Not
                                                                                                         business bankers at 1-888-281-2265.                  1001+                           $2.60
      FDIC Insured • Not Bank Guaranteed • May Lose Value • Not Guaranteed by any Government
      Agency • Not a Bank Deposit

             We Have Roots Where Others Have Branches                                                                                                   We are everyday people, not an everyday bank. We actively
                                                                                                                                                        support a variety of events including Sovereign State Days in
             1st National Bank is different from other banks because we live out                                                                        Winneconne, Waunafest in Waunakee, the Great Berlin Grill
             our community commitment as local leaders and volunteers. In                                                                               Out, 4th of July Parades, Father Marquette Days in Montello,
             addition to building valuable financial relationships with you, we build                                                                   Teach Children to Save Day, Green Lake Concerts in the Park,
             community relationships and friendships as we work to make our                                                                             Fox River Days in Berlin and Adventure Day in Fairwater.
             communities great places for families and businesses.

                                                                                                                                                                                                                          The train makes its way through the streets of
                                                                                                                                                                                                                          Berlin during Fox River Days.

                                                                                                             1st National Bank employees helped                                                          We strive to make 1st National Bank a great place to bank and
                                                                                                             make the 1st Annual Partners in Business                                                    work. Employees are proud to lead and to be part of
                                                                                                             golf event at Lake Breeze Golf Club in                                                      organizations such as Rotary, Chamber of Commerce, Volunteer
                                                                                                             Winneconne successful.                                                                      Fire Department, Community Health Network Foundation,
                                                                                                                                                                                                         Business Development Associations, Parish Councils and more.
               The Great Berlin Grill Out is a ‘favorite event’                                                                                         The Montello team float took 1st Place in        Employees enjoy flexible scheduling so they are able to be part
               for employees to be part of.                                                                                                             the annual Father Marquette Days parade.         of these organizations and balance time with family and friends.

  Member FDIC │ Equal Housing Lender                                                                                                                                                                                                 1.888.281.2265 │ www.firstnationalbanks.biz

To top