Today's Forecast.. . ....72 Degrees and Sunny! FREE Checking Account PEOPLE FLOCK TO THE BEACH Whatta mean it won't be 72 degrees and sunny today? It will be . somewhere. Certainly in Florida and Arizona. Probably In Southern California. Maybe in a few other locations as well. No minimum balance required No monthly service fee FREE debit card FREE online and mobile banking FREE coin counting What does that have to do with Joliet? Probably nothing. Other than some places have more moderate weather in the winter than we do. But they also have some pretty hot weather in the summertime so it evens out. When you think of it, the weather and banking have a lot in common. What, you never thought of that! OK, here's the skinny. People sometimes use weather terms to describe moods. If someone is having a good day, their mood may be "sunny" regardless of the weather outside. People may also be having a "rainy" day if things aren't going so well. $100 minimum opening deposit FREE Bill Pay Unlimited transactions Monthly statements Now, let's put that in the context of (1) bank employees, and, (2), bank customers. Bank employees sometimes have rainy days. They work for a smaller bank that gets taken over by a big bank. They are told that nothing will change. Then, three months month later, a whole (Paper or electronic, your choice!) new set of directives come down from "headquarters." That's a rainy day. The "nothing will change" now means that they will continue to use the same brand of toilet paper in the bathrooms. But, for many bank employees, that is no longer an issue because they got fired Home of MONSTER CD Rates! anyway. Now, that's a really rainy day. When you go into your bank, how many of the senior people that were there 2 years ago are still there? Maybe very few if it was a little bank that was taken over by a big bank. Or, even if it was a big bank to start with, many big banks have gone through a "restructuring." That means that they fired people to cut overhead so that the big bosses somewhere else will get larger annual bonuses. CD Special! Now, how about bank customers? Regardless of their mood when they enter the bank, they have the right to expect a sunny banking experience. If they stop in to make a quick deposit or withdrawal, or if they use the drive up, they should be treated professionally by experi- enced people. That's a sunny banking experience. How about if they need a loan or just help with a banking issue? If the people at the bank go out of their way to help them right then and there without referring to crazy policies or needing to get permission from someone a few hundred miles away at headquarters, that's a sunny banking experience. 13-Month CD' 1.65%APY* $1,000 Minimum The above describes the difference between the First Secure Community Bank and some other banks. First Secure is Joliet's community bank. It is locally owned and managed. Our people are long time professionals in the Joliet banking market. Decisions are made right here. So if you want sunny banking experiences, come on in. The sun always shines brightly at the corner of Essington and Caton Farm Roads. Joliet's locally-owned, locally-managed community bank! 2398 Essington Rd., Joliet, IL 60435 (Corner of Essington and Caton Farm Rd.) 815.230.8000 www.1stsecurebank.com FIRST SECURE COMMUNITY BANK OF JOLIET yarak, wele gurighber FDIC whe Annual Percentage Yield (APY) effective as of 12/1/19 and terms are subject to change at anytime and without notice. Minimum balance to open and earn stated APY is $1,000. Substantial penalty for early withdrawal An earfy withdrawal penalty may reduce earnings Today's Forecast.. . ....72 Degrees and Sunny! FREE Checking Account PEOPLE FLOCK TO THE BEACH Whatta mean it won't be 72 degrees and sunny today? It will be . somewhere. Certainly in Florida and Arizona. Probably In Southern California. Maybe in a few other locations as well. No minimum balance required No monthly service fee FREE debit card FREE online and mobile banking FREE coin counting What does that have to do with Joliet? Probably nothing. Other than some places have more moderate weather in the winter than we do. But they also have some pretty hot weather in the summertime so it evens out. When you think of it, the weather and banking have a lot in common. What, you never thought of that! OK, here's the skinny. People sometimes use weather terms to describe moods. If someone is having a good day, their mood may be "sunny" regardless of the weather outside. People may also be having a "rainy" day if things aren't going so well. $100 minimum opening deposit FREE Bill Pay Unlimited transactions Monthly statements Now, let's put that in the context of (1) bank employees, and, (2), bank customers. Bank employees sometimes have rainy days. They work for a smaller bank that gets taken over by a big bank. They are told that nothing will change. Then, three months month later, a whole (Paper or electronic, your choice!) new set of directives come down from "headquarters." That's a rainy day. The "nothing will change" now means that they will continue to use the same brand of toilet paper in the bathrooms. But, for many bank employees, that is no longer an issue because they got fired Home of MONSTER CD Rates! anyway. Now, that's a really rainy day. When you go into your bank, how many of the senior people that were there 2 years ago are still there? Maybe very few if it was a little bank that was taken over by a big bank. Or, even if it was a big bank to start with, many big banks have gone through a "restructuring." That means that they fired people to cut overhead so that the big bosses somewhere else will get larger annual bonuses. CD Special! Now, how about bank customers? Regardless of their mood when they enter the bank, they have the right to expect a sunny banking experience. If they stop in to make a quick deposit or withdrawal, or if they use the drive up, they should be treated professionally by experi- enced people. That's a sunny banking experience. How about if they need a loan or just help with a banking issue? If the people at the bank go out of their way to help them right then and there without referring to crazy policies or needing to get permission from someone a few hundred miles away at headquarters, that's a sunny banking experience. 13-Month CD' 1.65%APY* $1,000 Minimum The above describes the difference between the First Secure Community Bank and some other banks. First Secure is Joliet's community bank. It is locally owned and managed. Our people are long time professionals in the Joliet banking market. Decisions are made right here. So if you want sunny banking experiences, come on in. The sun always shines brightly at the corner of Essington and Caton Farm Roads. Joliet's locally-owned, locally-managed community bank! 2398 Essington Rd., Joliet, IL 60435 (Corner of Essington and Caton Farm Rd.) 815.230.8000 www.1stsecurebank.com FIRST SECURE COMMUNITY BANK OF JOLIET yarak, wele gurighber FDIC whe Annual Percentage Yield (APY) effective as of 12/1/19 and terms are subject to change at anytime and without notice. Minimum balance to open and earn stated APY is $1,000. Substantial penalty for early withdrawal An earfy withdrawal penalty may reduce earnings