• 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* For additional information or to discuss further, call your relationship manager or MIB at 1-800-347-4642. *Offered through our investment subsidiary - First Bankers’ Banc Securities, Inc. Member FINRA & SIPC. INSTITUTIONAL USE ONLY. INVESTMENT PRODUCTS Municipal Bonds Mortgage-Backed Securities Govt. & Agency Bonds Corporate Bonds Brokered CDs Money Market Instruments Structured Products Equities Mutual Funds ETFs FINANCIAL SERVICES Public Finance Investment Portfolio Accounting Portfolio Analytics Interest Rate Risk Reporting Asset/Liability Management Reporting Municipal Credit Reviews Balance Sheet Policy Development and Review ST. LOUI S , MO • OVERLAND PARK, KS • OKLAHOMA C I T Y, OK • AUST IN, TX • DENVER , CO • NASHVI LLE , TN Comprehensive SOLUTIONS 888-726-2880 FBBS believes the success of your team is the future of our firm. MEMBER FINRA & SIPC. INVESTMENTS ARE NOT FDIC INSURED, NOT BANK GUARANTEED & MAY LOSE VALUE. MEMBER FDIC
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