SLOT CASINO GAMES 799 BANKS PLAY. First Secure Bank Customer Some Other Banks' Customer ARE YOU SHOOTING CRAPS?? If you want to play a game, you can go to a casino. But how about your bank? They aren't a casino. But some banks play games too. They just don't tell you about it. Or, if they do, they hide it in the fine print somewhere. Well, we here at First Secure Bank consider ourselves to be the epitome of fair banking and the guardians of the banking universe. And, as such, we are going to educate the fine people in the Joliet area about the games that some banks play. Below is Chapter 1. There will be more chapters in the future. But we don't know when. Chapter 1 - The High CD Rate Screw Job You have seen ads or received flyers advertising high rate CD's. But, if you read the fine print, you may see some wording that says "New Money Only." What does that mean? That means that, if you are a loyal customer of that bank and already have your money with them..... you're screwed. Let's say that you are a long time customer of bank X. You have your checking account with Bank X. You also have a savings account, money market or some CD's with them. Then, you receive a flyer in the mail indicating that Bank X is offering a high rate CD. You take the flyer to the bank with you and tell them that you would like to transfer some money from your checking or savings account and buy a high rate CD. They tell you that they won't do it. Why? Because they already have your money. The only thing that they will do is sell you a CD at a much lower rate. Then, another customer walks into the bank. Never been there before. They bring in the same flyer that you brought. But "your bank will sell them a high rate CD because they have new money. But they won't sell it to you, a loyal current customer, because they already have your money. Do you really want to have your loyalty rewarded like that? Check out the CD rates on the right side of this ad. They are high. Maybe the highest of any local bank. If you want to buy a CD, just come on in. If you are a current customer and want to transfer some money from another First Secure account, sure, we'll do it. If you are a new customer, we'll sell you a CD too. Everybody gets the same rate. Would you rather do your banking at First Secure or at the bank that treats a loyal customer worse than someone that walks in the door for the first time? Easy answer. We're at the corner of Essington and Caton Farm Roads in Joliet. We're waiting for you. 1st FIRST SECURE COMMUNITY BANK OF JOLIET We're not just your bank, we're your neighbor! Joliet's Locally-Owned and Locally-Managed Billion Dollar Community Bank 2398 Essington Rd (Corner of Essington and Caton Farm Rd) (815) 230-8000 Visit 1stsecurebank.com MEMBER FDICT EQUAL THOUSING LENGER Monster CD Rates 4.25% 13 Month CD $1000 minimum to open 4.50% 25 Month CD $1000 minimum to open Limited Time Only. FREE Personal Checking Ask for Details. "Annual Percentage Yield (APY) effective as of 12/8/22, APY and terms are subject to change at any time and without notice. Minimum Balance to open and earn stated APY is $1,000, Substantial penalty for early withdrawal. An early withdrawal penalty may reduce earnings. Maximum per household $500,000. CDs will rollover at maturity to the then current rate, if not redeemed at maturity, as follows: the 13 month CD will rollover to a 12 month CD, the 25 month CD will rollover to a 24 month CD. SLOT CASINO GAMES 799 BANKS PLAY . First Secure Bank Customer Some Other Banks ' Customer ARE YOU SHOOTING CRAPS ?? If you want to play a game , you can go to a casino . But how about your bank ? They aren't a casino . But some banks play games too . They just don't tell you about it . Or , if they do , they hide it in the fine print somewhere . Well , we here at First Secure Bank consider ourselves to be the epitome of fair banking and the guardians of the banking universe . And , as such , we are going to educate the fine people in the Joliet area about the games that some banks play . Below is Chapter 1. There will be more chapters in the future . But we don't know when . Chapter 1 - The High CD Rate Screw Job You have seen ads or received flyers advertising high rate CD's . But , if you read the fine print , you may see some wording that says " New Money Only . " What does that mean ? That means that , if you are a loyal customer of that bank and already have your money with them ..... you're screwed . Let's say that you are a long time customer of bank X. You have your checking account with Bank X. You also have a savings account , money market or some CD's with them . Then , you receive a flyer in the mail indicating that Bank X is offering a high rate CD . You take the flyer to the bank with you and tell them that you would like to transfer some money from your checking or savings account and buy a high rate CD . They tell you that they won't do it . Why ? Because they already have your money . The only thing that they will do is sell you a CD at a much lower rate . Then , another customer walks into the bank . Never been there before . They bring in the same flyer that you brought . But " your bank will sell them a high rate CD because they have new money . But they won't sell it to you , a loyal current customer , because they already have your money . Do you really want to have your loyalty rewarded like that ? Check out the CD rates on the right side of this ad . They are high . Maybe the highest of any local bank . If you want to buy a CD , just come on in . If you are a current customer and want to transfer some money from another First Secure account , sure , we'll do it . If you are a new customer , we'll sell you a CD too . Everybody gets the same rate . Would you rather do your banking at First Secure or at the bank that treats a loyal customer worse than someone that walks in the door for the first time ? Easy answer . We're at the corner of Essington and Caton Farm Roads in Joliet . We're waiting for you . 1st FIRST SECURE COMMUNITY BANK OF JOLIET We're not just your bank , we're your neighbor ! Joliet's Locally - Owned and Locally - Managed Billion Dollar Community Bank 2398 Essington Rd ( Corner of Essington and Caton Farm Rd ) ( 815 ) 230-8000 Visit 1stsecurebank.com MEMBER FDICT EQUAL THOUSING LENGER Monster CD Rates 4.25 % 13 Month CD $ 1000 minimum to open 4.50 % 25 Month CD $ 1000 minimum to open Limited Time Only . FREE Personal Checking Ask for Details . " Annual Percentage Yield ( APY ) effective as of 12/8/22 , APY and terms are subject to change at any time and without notice . Minimum Balance to open and earn stated APY is $ 1,000 , Substantial penalty for early withdrawal . An early withdrawal penalty may reduce earnings . Maximum per household $ 500,000 . CDs will rollover at maturity to the then current rate , if not redeemed at maturity , as follows : the 13 month CD will rollover to a 12 month CD , the 25 month CD will rollover to a 24 month CD .