Private Banking

Personal Credit Services

Mortgage Loan

• Fee Reduction on home mortgage loans
• Physician loan
• Construction loan
• Jumbo loan

Home Equity Line of Credit

• Preferred pricing on fixed and variable rate options
• Interest only payments
• Check access
• Ability to link to deposit account

Home Equity Loans

• Flexible terms and preferred pricing

Premier Unsecured Line of Credit

• Preferred pricing
• Flexible interest-only payment options
• Check access
• Ability to link to deposit account

Instaline

• Overdraft protection for your Premier Interest Checking
• Annual fee waived

Secured Loans and Lines of Credit

• Customized loans secured by investments, CD's or savings accounts

Luxury asset financing

• Autos
• RVs
• Boats, etc

*Subject to credit approval. Ask for full details and disclosures.

Personal Deposit Services

Private Client Premier Interest Checking

• Premium-tiered interest rates
• No minimum balance or monthly service fee
• Foreign ATM fees and surcharge waived
• Increased ATM and Debit Card limits
• Complimentary Private Client checks
• Leather checkbook cover
• Exclusive Private Client instant issue, rewards debit card*
• No-fee 3x5 safety deposit box
• Overdraft privilege options with options to link to a money market or line of credit
• No-fee official checks or money orders
• Domestic wire charges waived, nominal fee for international wires

Elite Private Client Gold Money Market

• Premium tiered rates
• Ability to link to Private Client Premier Interest Checking

Savings

• Private Client Statement Savings Account
• “Saving with Rocky” Youth Savings Program

Private Client Certificates of Deposit

• Premium interest rates

Insured Cash Sweep

• Each client or business is FDIC insured up to $10,000,000
• Funds are completely liquid
• Rate varies with balance
• No monthly fee
• No collateral required
• Account is viewable via Farmers Online Banking and ICS portal
• Sweep must be attached to a regular personal or business checking with a target amount
• Not subject to Reg. D requirements

*Available with an approved application.

Business Credit Services

• Commercial Real Estate
• Construction Loans
• Revolving Lines of Credit
• Single Pay Notes
• Commercial Term Loans
• SBA Loans
• Overdraft Lines of Credit
• Practice financing

Business Deposit Services

Executive Select Business Checking

• First 500 items at no charge on the account
• Requires average monthly balance of $15,000 or a $20 service charge
• Complimentary first intro order of checks
• Discounts available on Treasury Management Services

Executive Health Checking

• First 650 items at no charge on the account
• Requires average monthly balance of $15,000 or a $20 service charge
• Complimentary first intro order of checks
• Discounts available on Treasury Management Services
• Discount on remote deposit scanner

Business Green Checking

• First 200 items processed at no charge
• No minimum balance required

Commercial Analysis

• Unlimited transactions per month
• Earnings credit helps offset fees generated from monthly activity or treasury management services
• Detailed analysis statement available in addition to traditional monthly statement

Business Money Market

• Preferred pricing available
• Ability to link to business checking at no cost

Private Client Treasury Services

• Remote Deposit Capture
• ACH
• EDI
• Account Reconciliation
• Investment Sweep
• Online Wires
• ZBA
• Merchant solutions provided by Finet
• Fraud protection bundle

Complimentary Business Services

• Estatements or paper statements are available for your convenience
• Free business debit cards make purchases easy
• Internet corporate cash management... free inquiry, in-house transfers and online bill payment