Pub. 2 2022 Issue 1

TIRED OF BORROWING MONEY BEING MORE COMPLICATED AND DIFFICULT THAN IT NEEDS TO BE? Bank Stock and Bank Holding Company Stock Loans done the simple way Bank mergers, acquisition loans and refinances up to $50 million  Approval typically within 2 to 3 days and sometimes immediately  In many cases the loan can be started, closed and funded in less than 2 weeks  No Correspondent Bank Account relationship required  If the Federal Reserve approves it we can likely get the deal done for you  Standard Commercial Loan Documentation used in most cases  We won’t restrict you to unnecessary covenants  Limited or no reporting requirements  Limited or no origination costs  Low interest rates  Principal payments often determined with the borrower’s input on a year by year basis  In many circumstances we accept bank capital growth instead of loan principal reduction  We will come to you! Most loans initiated and closed at the borrowers home or office. Deal directly with a lender/owner who is a CPA who understands the banking industry. Although we cannot give direct advice, we have 35 years of industry experience and can make your job far less stressful and time consuming. We will understand your transaction. You do not need to educate the lender. Our belief is to make the loan and then stay out of the banker’s way and let you do your job. You will only see us when you choose to. Call Ryan Gerber or Rick Gerber at 1.866.282.3501 or email ryang@chippewavalleybank.com or rickg@chippewavalleybank.com

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