CFBank Relax Brochure

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Relax.

A new approach to banking makes doing business easier.

Discover the Difference.

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Time to switch “You don’t need to accept mediocrity and complacency in banking or treat banking as a commodity. The great news is that CFBank’s relationship-based banking has many advantages.

More attention, strategic advice, customized solutions and faster action. Our relationships are non-adversarial and advisory – a big difference, our clients say. In short, there’s never been a better time or reason to switch.

Is your old bank costing you money?

Discuss it with us and find out. With the full range of tools and strategies at our disposal, we can explore new approaches to banking that you’re really going to appreciate. So, come on, it’s time to sit back, relax and experience a new and better way of banking.”

Mark Allio, Chairman & CEO 330-576-1334

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Banking relationships demystified 6 questions to ask about your banking relationship

1. Do I have a “ghost banker”?

4. Does my banker ask the right questions?

A surprising number of business owners don’t even

A good banker gets to know you and your business, so

know their banker. You deserve more than this.

you get a loan structure or cash management strategy that solves your specific problems. That’s why we begin

2. Am I getting business strategy from my banker?

every relationship with an extensive interview.

A banker who doesn’t understand your business can’t give you ideas, and nothing beats a good idea.

5. Are inadequate funds stifling our growth?

You need a banker who understands the flow of cash

3. Who responds to my questions and how fast?

It’s possible to get direct access to a banker with deci-

through your business and can develop the right solutions that set you free to grow at your own pace.

sion-making skill and authority. We know, because it’s how we work – no ropes, no committees, just one-onone service that’s quickly executed.

6. Can I tell good debt from bad debt?

Let us re-structure your debt for you so that it works, fitting your timeline and growth plans.

With CFBank, you can simplify multiple checking accounts, existing debt and cash management.

We’ll also work with you to help you make smart business decisions in any economy.

Joe Munhall, Vice President and Senior Commercial Banker 614-334-7983

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Relationship-based banking CFBank’s approach to banking is based on relationships.

The CFBank process involves everyone. You, your CFBank commercial lender and the Bank’s management all work together. Decision-makers are involved throughout the process. Here’s how the relationship, the process and the solutions connect.

Discovery An initial meeting determines compatibility and identifies problems, issues and needs.

Evaluation We work with you to understand your business finances, operations, processes and cash flow.

Solutions We jointly discuss possible solutions and their pros and cons.

Decision You choose a course of action, and together we define the details of that custom solution.

Execution We implement with a sense of urgency.

Feedback We continue to evaluate results and assess your needs to assure that the solution maintains its effectiveness.

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Banking the new way When we asked our clients what bothered them most about typical banking, we got an earful! Here are typical business owners’ issues and an explanation of CFBank’s relationship-based solutions.

Business owners’ issues

CFBank solutions

When I have a loan request,

CFBANK: At CFBank, there are no loan committees or hidden

my bank takes too long to respond.

decision-makers. You have direct access to experienced bankers with the authority to give you a prompt answer.

My business is growing so fast that it’s

CFBANK: Our flexible lending solutions and new cash management

stressing my cash flow.

techniques help you fund and manage growth and profits.

How can I use my financial reports

CFBANK: We can help you interpret your financials so you have

to help me make banking decisions?

a sound basis for banking decisions. This will not only help with the financing, but also clarify the thinking behind the entire process.

It’s time I stopped financing my customers.

CFBANK: New cash management solutions can make AR easier to control and help you take advantage of the profit potential.

Have I exhausted my lending and capital

CFBANK: Probably not. New strategies are our thing. Let’s meet

options?

and talk about it.

Bank service fees and pricing – ouch!

CFBANK: Let’s rethink this and explore alternatives. We’ll help you structure a relationship with fair pricing.

My old loans don’t fit my needs anymore.

CFBANK: We can restructure your loans with terms that are more appropriate. And we use regularly scheduled strategy meetings to help you adjust quickly to changing conditions.

It’s a gigantic waste to drive to the bank.

CFBANK: With Remote Capture, CFNetConnect and couriers, you almost never have to drive to the bank.

I work at top speed all day and then have

CFBANK: You’re going to love our no-teller

to stand in a teller’s line? It’s outrageous.

system of banking. And when you do visit the bank, we invite you to have a seat across the desk from an experienced and capable representative.

I have too many accounts to keep straight.

CFBANK: Let’s talk about it. We’ll help you simplify and automate the process.

I want interest on short-term cash.

CFBANK: Our sweep accounts make it possible, even automatic, so you not only get interest, but it’s effortless.

Krista J. Dobronos, Assistant Vice President 330-576-1201

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The new, better way to bank CFBank has been helping businesses and their owners since its founding in 1892. We provide all of the financial tools available, and we pair these with banking and investment strategies that result from our discussions with you.

This helps to improve your company’s performance in key areas:

• Cash management, including ACH and Remote Capture • Commercial loans and lines of credit • CDARS® deposits with FDIC insurance up to $50 million • Merchant services that link you to Visa® and other card services • Group banking with advantages for your employees • Business courier service • CFNetConnect with online bill pay You can also take advantage of our personal service for your personal banking and mortgages.

“If you’ve never experienced concierge banking services, you’re in for a pleasant surprise. Give us a call to explore the possibilities – you’ll find a high level of expertise in a relaxed atmosphere that’s very easy to like.”

R. Parker MacDonell Regional President 614-334-7981

Discover the Difference.

2923 Smith Road Fairlawn, OH 44333 330-666-7979

7000 North High Street Worthington, OH 43085 614-334-7979

49028 Foulks Drive Calcutta, OH 43920 330-385-4323

601 Main Street Wellsville, OH 43968 330-532-1517

www.cfbankonline.com ®CDARS is a registered service mark of Promontory Interfinancial Network, LLC.

®Visa is a registered trademark of Visa Inc.

©2008 CFBank