Pub. 3 2015 Issue 3

5 Fall 2015 The Community Banker We offer the SBA 504 loan program which provides the business owner: • Low down payment • Fixed interest rate • Long term loans P.O. Box 916 Helena, MT 59624 866.443.3261 www.mtcommunityfinance.org Partnering with lenders for over 30 years to help business owners expand in Montana. UPCOMINGMIB EVENTS January 21-22, 2016 MIB Winter Board Meeting Fairmont Hot Springs Anaconda, MT March 6-10, 2016 ICBA National Convention Hilton New Orleans Riverside New Orleans, LA April 14-15, 2016 MIB Spring Board Meeting Location TBA July 21-23, 2016 MIB Annual Convention & Tradeshow Red Lion Hotel Kalispell, MT Let’s Talk. Give your Vice President/Member Solutions a call to walk through your options. LETTERS OF CREDIT With the end of the year quickly approaching, it’s time we had a talk.…about LOCs that is. FHLB Des Moines Letters of Credit are a unique solution to some of your institution’s most common needs. • Let’s Talk Liquidity • Let’s Talk Regulators • Let’s Talk Cost Eric Jensen ejensen@fhlbdm.com 206.340.2489 Chris Thomas clthomas@fhlbdm.com 206.340.2370 For details around requesting a Letter of Credit, visit members.fhlbdm.com/letters-of-credit. COST EFFECTIVE FHLB DES MOINES DEPOSITS REGULATORS LETTERS OF CREDIT SOLUTIONS LIQUIDITY