140 W. Huron St.
W1208 State Rds. 23/49
408 Main St.
120 Alder Ave.
PO Box 310
Berlin, WI 54923-0310
PERMIT NO. 90
In this Issue
1 st National Bank | Fall 2009
In the Spotlight! Page 2
We Have Roots Page 2
Gift Giving Page 3
EZdeposit TM Page 4
Protect your Assets Page 4
N4259 State Rd. 49
1330 Montondon Ave.
356 S. Pioneer Park Rd.
908 E. Main St.
We warmly welcome your feedback! Please contact:
Stacey Schuster | 920-361-6056 | firstname.lastname@example.org
The articles and information in this newsletter are for general information and are
not intended as legal or accounting advice.
“Fulfilling the dreams of people, businesses and
communities through innovative financial solutions.”
Run your business without
the run around!
your remote deposit solution.
In the last two years, EZdeposit TM has
revolutionized the way businesses do banking.
Banks are now able to process check images
and do not need the original paper checks.
As a result, businesses are able to:
• Deposit checks without leaving the office.
• Access funds from payments
• Receive faster check return notification.
• Streamline reporting and
• Eliminate multiple banking relationships.
EZdeposit TM is ideal for clients who primarily
accept checks. All you need is a computer, an
internet connection and a qualified check
scanner. For more information or product
demonstration, call Treasury Management
Specialist, Jolene Hostak, 1-888-571-0249.
Protect your Assets
Businesses are advised to employ fraud prevention and
detection systems as a result of a fraud jump in small and
mid-size companies in the U.S., resulting in drained bank
1. Safeguard your electronic assets with features
like network security, remote access and
application security controls.
2. Review monthly bills and statements to ensure
all purchases are warranted. Fraudulent fund
transfers in the U.S. as a result of compromised
log-in credentials increased in 2009.
3. Require an internal dual control system in billing
and payroll areas. Verify all payments are
accurate and all funds received are distributed
properly. Schedule a thorough audit annually.
The best defense is good offense and we are on your side!
1st Online Cash Management is protected by encryption
technology, keeping your password and information
related to you and your accounts completely safe.
The Green Scene
1 st National Bank strives to make our communities better places to
live and work. We invite you to join us as we do our part to conserve
and improve the environment we share. We enjoy seeing you
daily, weekly or monthly and are happy to offer innovative financial
solutions so you can bank conveniently. Changing the way you bank
can be intimidating. We warmly welcome your questions as you join
us in our go green initiatives.
1 st Online cash management, business check cards, eStatements,
ACH Services, account reconciliation, EZdeposit, direct payment,
mobile banking and telephone banking are convenient services that
create an electronic rather than paper trail.
1st Online Cash Management
Transfer funds, check balances, get eStatements and much more
without ever leaving your office!
An electronic version of paper statements. Eliminate the paper,
envelopes and stamps.
Keep records up to date while you save time, money and
Make everyday purchases from your checking account without the
check! Simplify reconciliation and balancing.
Pay vendors and employees electronically and eliminate checks,
envelopes and stamps.
Disburse funds, speed up payments, make collections and reduce
When you need to send money quickly and safely, turn to the
convenience of a wire transfer.
Reduce trips to the bank to deposit checks and expedite cash flow.
A Note of Optimism
You may be wondering if optimism is even
warranted. The stock market has seen
some positive movement and negative
news in the financial industry seems to
have slowed. Some experts predict that the
economy will start shifting momentum in
the fourth quarter, into the first quarter
Community banks have offered business
solutions during these unprecedented
economic times. Take the opportunity to
review long-term strategies and financial
goals. Keep them in mind as you make
decisions amidst the economic challenges
of today, tomorrow and beyond.
Financial integrity and trust is at our core
and we continue to make loans for
projects that improve our communities. Our
attention is on the success of businesses
and families in our communities.
Accepting deposits and lending money
within our communities helps us all grow
1 st National Bank is
shaped by its 133 year
legacy and focused on
your future. Thank you
for building a trusted
relationship with us.
We promise to
continue strengthening that relationship
for years to come.
President and CEO
2 Business Connection Business Connection 3
In the Spotlight!
Meet Steve Sponholtz, our
registered Financial Advisor through UVEST
Financial Services. Steve is available to help
you create a strategy that may protect your
assets, take care of your employees and
prepare for an enjoyable retirement.
Steve and his wife owned and
successfully operated Sponholtz Photography
in Berlin for 21 years. He understands the
challenges business owners face and appreciates the difficulty of
starting a retirement plan amidst tax and insurance priorities.
1 st National Investment Services can tailor a retirement plan to
your long term financial objectives while taking into consideration
your current financial position. Steve joined 1 st National Bank
as a personal banker and has since passed the FINRA Series 7
and 66 exams to become a registered Financial Advisor through
UVEST Financial Services. He is the Berlin High School
Assistant Basketball Coach and part of the Berlin Booster Club.
Business owners with needs in the area of Retirement Plans,
Key Person Insurance, Executive Benefit Plans, Employee
Benefit Plans, Corporate Investment Accounts, Retiree Service
may call Steve at 920-361-7776.
Securities and insurance products offered by UVEST Financial Services and its affiliates, member
FINRA/SIPC. Investment advisory services offered by UVEST Financial Services, a SEC registered
investment advisor. UVEST and 1 st National Investment Services are independent entities. Not
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
1 st National Bank is different from other banks because we live out
our community commitment as local leaders and volunteers. In
addition to building valuable financial relationships with you, we build
community relationships and friendships as we work to make our
communities great places for families and businesses.
Focused on Family
In June 2009, 1 st National Bank joined
the Wisconsin Family Business Forum
(WFBF) as a sponsor. The WFBF is a
partnership of family business owners
and professionals in the Fox Valley area
that are dedicated to understanding and
support unique circumstances familyowned
businesses face. Networking
offers members and sponsors a safe
environment to exchange ideas,
information and best practices.
Typically, six major programs that focus
on topics such as succession planning
and healthy communication are held
annually. Participants of these
interactive programs are broken out into
small groups based on their position in
the organization. Individuals interested
in joining the forum are allowed to attend
one event at no cost.
Visit http://wfbf.uwosh.edu or contact our
business bankers at 1-888-281-2265.
Give the gift that never gets returned.
Visa® gift cards are perfect for rewarding valued customers, boosting employee morale, promotions and prizes.
Gift cards give customers and employees exactly what they want - flexibility, convenience and ease of use.
Pick up a gift card today!
Visit any 1 st National Bank location and ask to
see the selection of unique gift card designs.
Give $20 to $750 per gift card (up to $2500 per
gift card for corporate and bulk orders)
Select a design to fit the recipient and occasion
Instantly receive the pre-activated gift card
We are everyday people, not an everyday bank. We actively
support a variety of events including Sovereign State Days in
Winneconne, Waunafest in Waunakee, the Great Berlin Grill
Out, 4th of July Parades, Father Marquette Days in Montello,
Teach Children to Save Day, Green Lake Concerts in the Park,
Fox River Days in Berlin and Adventure Day in Fairwater.
Order a gift card online!
Visit www.firstnationalbanks.biz for immediate
access to a wide variety of gift card designs.
Give $20 to $750 per gift card (up to $2500
per gift card for corporate and bulk orders)
Select a design to fit the recipient
Add your business logo (one time set-up
Emboss with recipient’s name and add one
of 16 standard embossed messages.
We are happy to make gift giving easy and affordable by offering reduced fees on bulk card orders.
Card Service Fees
Number of Cards
Price per Card
Bulk Shipping Fees
Number of Cards Shipping Cost
1-24 $14.70 + $0.30 per card
25-400 $20.00 + $0.10 per card
401+ $14.00 + $0.10 per card
The train makes its way through the streets of
Berlin during Fox River Days.
The Great Berlin Grill Out is a ‘favorite event’
for employees to be part of.
1 st National Bank employees helped
make the 1 st Annual Partners in Business
golf event at Lake Breeze Golf Club in
The Montello team float took 1 st Place in
the annual Father Marquette Days parade.
We strive to make 1 st National Bank a great place to bank and
work. Employees are proud to lead and to be part of
organizations such as Rotary, Chamber of Commerce, Volunteer
Fire Department, Community Health Network Foundation,
Business Development Associations, Parish Councils and more.
Employees enjoy flexible scheduling so they are able to be part
of these organizations and balance time with family and friends.
Member FDIC │ Equal Housing Lender
1.888.281.2265 │ www.firstnationalbanks.biz