• No fee • No pre-payment penalty • P&I payments • Collateralized • Guarantors may be required • Competitive rates • Fixed or Floating • Minimal fee • No pre-payment penalty (after year 1) • Interest only first 5 years • Collateralized • Guarantors may be required • Competitive rates • Fixed or Floating • Origination fee: 1.5%-3% • Begins amortizing in year 6 • No collateral • No guarantors • No prepayment for first 5 years Other terms and conditions may apply. Advantages. Hybrid Stock Loans Designed to bridge the gap between a traditional stock loan and subordinated debt, our “Hybrid” bank stock loan provides an alternative lending product for community banks. Traditional Stock Loan Hybrid Stock Loan Subordinated Debt* *Offered through our investment subsidiary - First Bankers’ Banc Securities, Inc. Member FINRA & SIPC. INSTITUTIONAL USE ONLY. MEMBER FDIC mibanc.com ACH Audit BSA Audit Lending Compliance Audit Deposit Compliance Audit Directors’ Examination Interest Rate Risk Review Home Mortgage Disclosure Act (HMDA) Review Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act Audit Loan Review Internal/External Penetration Test Internal/External Vulnerability Assessment Social Engineering Assessment IT Security Audit Business Continuity Management Audit AUDIT SERVICES mibanc.com/audit Our Team is ready to help. Contact John Hay or Jake Wolfe at 888-818-7206 Jake Wolfe jwolfe@mibanc.com John Hay jhay@mibanc.com Need help with Loan Reviews?
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