Fall 2007 Issue - Financial Gardener by liwenting


									Your Instant Cash & Check Card – Looks like a Credit Card, Works like a Check
An Instant Cash & Check Card makes using your ProGrowth checking account easier and more convenient than ever. It
not only gives you quick and convenient access to cash at thousands of automated teller machines (ATM)
worldwide, but it also allows you to make purchases wherever you see the familiar VISA symbol. Why use
your Instant Cash & Check Card?

It’s Convenient. It’s not a credit card, but it’s just as easy to use. The money for your Instant Cash &                                                                       Mankato Wal-Mart Supercenter branch
Check Card purchases comes directly out of your checking account.

                                                                                                                                                                              T heFinancial
It’s Easy to Use. Your card is accepted at more than 11 million locations, wherever you see the familiar
VISA symbol.
It’s Safe. Even if your card is lost or stolen, with proper notification on applicable transactions,
     \ Z eZ
Visa’s Z Zro Liability policy can limit your losses.
            When you’re ready to experience the ease, convenience and safety of a ProGrowth Instant Cash
            & Check card, stop by any of our three locations or apply online at


                Bank Hours
                                                               Thanksgiving Decorating Ideas
                                                                                                                                                                                                   Gardener                                                                   ProGrowth

                  Lobby Hours
                                                                                                                                                                                                         Come Grow With Us!
Monday-Friday .......................8:30 am-4:00 pm       If you’re ambitious enough to host a Thanksgiving feast this year, here   Heather, Nicollet        Winter 2007
                 Drive-Thru Hours                          are some decorating ideas you can use to make the day warm and
Mon, Tues, Wed, Friday............7:45 am-5:00 pm          inviting. Your guests will leave feeling pampered and special!                                                          ProGrowth Bank - Mankato expands presence
Thursday...............................7:45 am-6:00 pm
Saturday...............................8:30 am-12:00 pm                                                                                                    By Philip A. Keithahn, Chairman & CEO
                                                           Personalize your table. Create small name tags and customized menus
                                                                                                                                                                ProGrowth Bank is expanding its presence in Mankato. On October 24, we moved our existing branch in Mankato from 45 Teton
Mankato                                                    for each place setting.                                                                              Lane to an in-store branch in Wal-Mart at 1881 Madison Avenue.
                                                           Leave a fall-inspired trinket on each plate, such as a festive leaf or
                     Lobby Hours
Monday-Friday........................9:00 am-8:00 pm       pumpkin candle.                                                                                      We have expanded our business hours at the Wal-Mart branch in order to provide Mankato customers with service 7 days a week.
Saturday................................9:00 am-5:00 pm                                                                                                         In addition to expanding our Monday to Friday hours to 9am to 8pm, we are now open on Saturday in Mankato from 9am to 5pm
                                                           Candles! Candles! Candles! Nothing says cozy like the warm glow of a                                 and on Sundays from noon to 5pm.
Sunday.................................12:00 pm-5:00 pm
                                                           burning candle. A nice cinnamon scent is even better!
Nicollet                                                   Dress up your chairs! Wrap your chair backs                                                          We now have two locations in Mankato. Our Wal-Mart branch provides customers with the added convenience of
507.232.3488                                                                                                                                                    expanded banking hours. This is a full-service branch, and you will be able to conduct all your loan and deposit
                                                           with orange, red or brown material and tie a
                       Lobby Hours
Monday-Thursday...................8:30 am-4:00 pm          bow at the back.
Friday...................................8:30 am-5:00 pm
Saturday...............................8:30 am-12:00 pm                                                                                    banking industry, this change means that the 45 Teton Lane location will focus solely on loans for customers. All deposit services have
                                                                                                                                           been transferred to the Wal-Mart location.

                                                                                                                                           and see our new location.

                                                                                                                                                         the time they might not be there, as they will be visiting customers at their place of business. We think it is especially important for bankers
                                                                                                                                                         to leave the bank and meet business owners, entrepreneurs, and professionals at a time and place that is convenient to them. If you want to
                                                                                                                                                         meet with these four people, please call or email them to schedule an appointment at 45 Teton Lane. Even better, they would LOVE to get a
                                                                                                                                                         tour of your business, share a cup of coffee or lunch together, and learn more about your needs and dreams.

                                                                                                                                                      We’re excited about our expanded presence in Mankato and we hope you will appreciate the more convenient hours and additional people
                                                                                                                                           who have been hired to help you out.
                                                                                                            Gaylord, MN 55334
                                                                                                                                           While every ProGrowth Bank customer can also use our Wal-Mart branch when they are in Mankato, we hope you will continue to support the local
                  PERMIT NO.66
                                                                                                            PO Box 266
                MANKATO, MN 56001
                                                                                                            320 Main Avenue                businesses in Gaylord and Nicollet. As a community bank and a small-town business owner, we believe it is vital for people to do as much business as
                       PAID                                                                                                                possible within the community where they live.
                  U.S. POSTAGE
                   PRSRT STD                                                                                                               Gaylord and Nicollet have the good fortune to have an outstanding mix of business owners who care about their community, who donate
                                                                                                                                           time and money to local community organizations, and who help make Gaylord and Nicollet great places to live. Let’s all support those

                                                           HAVE YOU HEARD?                                                                                                               Discover the Ease of Small Business Banking
                                                                                                                                                                                         By Honey Miller, Business Banking Officer

                                                                     Our Mankato Branch has moved!                                                                                      At ProGrowth Bank, we make business banking a snap with Merchant Card Services and

                                                            We are now located inside the Wal-Mart Supercenter.
                                                                                                                                                                                        Merchant Card Services
                                                                                                                                                                                        Offering your customers their preferred payment method is essential to doing business today. Giving
                    Wal-Mart Supercenter Location                                                                                                                                       prospective clients the ability to make purchases by credit or debit card will increase your sales. In
                                                                                                                                                                                                                 order to maximize your business opportunities, it’s important you work with an experienced
                   Grand Opening December 3rd - 8th                                                                                                                                                              and knowledgeable Merchant Services Provider. First Data is ProGrowth Bank’s preferred
                                                                                                                                                                                                                 Merchant Card Services Provider.
                        Watch for more details in upcoming area publications!                                                                                 Employee
                                                                                                                                                             Spotlight!                                              Merchant Deposit Capture
                                                         Mankato Office
                                                                                                                                                           Meet Ingrid Skelley,                                      Capture is like bringing the bank’s teller window to your business. Capture money orders,
                                                      Wal-Mart Supercenter                                                                                 Assistant Vice President                                  consumer checks, cashier’s checks and commercial checks electronically with a secure,
                                        1881 Madison Avenue, PO Box 4429
                                                                                                                                                           and Branch Manager at the
                                    Phone: 507.344.4333 • Toll Free: 888.458.6672
                                                                                                                                                            Mankato Wal-Mart Supercenter location
                                                 Fax: 507.344.4384                                                                                                                                                   If you’re thinking of starting a small business or are a seasoned business owner looking to
                                                                  Lobby Hours:                                                                                                                                       streamline your processes, call or stop by any of our three locations today. Our bankers will be
                                                                                                                                                           Ingrid Skelley has been with ProGrowth Bank               happy to help you.
                           Monday-Friday: 9:00 am to 8:00 pm                                                                                               for a little over three years. She began in the
               Saturday: 9:00 am to 5:00 pm • Sunday: 12:00 pm to 5:00 pm                                                                                  Gaylord location and was relocated to Mankato
                                                                                                                                                           in July 2006.
                       Do You or Someone You Know Have an                                                                                                  “I am very excited about our move to the

                         Adjustable Rate Mortgage (ARM)?
                                                                                                                                                           Wal-Mart location!” she said.                                ProGrowth Sponsors Relay for Life
                                                                                                                                                           Ingrid feels the bank’s extended hours will be a
  By Suzanne Greenig, Mortgage Lender                                                                                                                      benefit to customers.
                                                                                                                                                                                                                     ProGrowth Bank was a proud sponsor of the Nicollet County and Sibley County
                                                                                                                                                           When she’s not busy at work, Ingrid enjoys
                                                                                                                                                                                                                     Relay for Life held in June. ProGrowth’s commitment to charitable giving extends to
                              Fact:                                                                                                                        riding her Harley-Davidson motorcycle,
                              Fact:                                                                                                                        going for walks and spending time outside.                its employees as well. Barb Covell, Kathy Bierstedt, Shelly Dorn, Mary Goetsch, Cindy
                              Fact: It’s always best to work with someone who cares about you                                                              Look for Ingrid during your next trip to                  Grams, Kathy Jensen, Angela Koepp, Jan Renne & Rhonda Stolt participated in the event
                              and your needs.                                                                                                              ProGrowth’s Wal-Mart Supercenter location!                this year, raising money for the American Cancer Society. Our hats are off to them and to
                              Fact:                                                                                                                                                                                  the more than three million people who participate each year. To learn more about how
                                                                                                                                                                                                                     you can get involved, visit the American Cancer Society’s website at www.cancer.org.
                              ARMs scheduled to reset over the next 12 months need to act now – even those with a pre-

  ARM resets, monthly payments can double in some cases.

  increasing, which has created a wealth of choices for homebuyers. Interest rates are still low, but have risen slightly

  payment assistance programs available in the community where you want to live.

  If you’re currently in an ARM product that is readjusting or are looking to purchase a home, contact our

                                                                                                                                                      Equal Housing Lender
                                                                                                                                                                                                   Front (L-R) Mary Goetsch, Angela Koepp & Cindy Grams                    (L-R) Jan Renne & Shelly Dorn
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither ProGrowth Bank nor any other party assumes                    Back (L-R) Barb Covell, Kathy Bierstedt, Rhonda Stolt & Kathy Jensen
liability for loss or damage due to reliance on this material. See account disclosures for complete details.    Equal Housing Lender. Member FDIC.

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