Webster City Financial Bank

Our people are our greatest asset. Stop in and meet them at our Open House on June 24.

401 Fair Meadow 401 Meadow Drive Drive I W Webster ebster City, Ci t y, IA 50595 515 . 832 .3071 . 3071 I Toll Free 866.

866.263.0293 263.0293 I Fax 51 515.832.3085 5. 832 .3085 515.

LOBBY HOURS: LOBBY HOURS : M Monday onday - Thursday Thursday 9:00 9:00 a.m. – 4:00 p.m. I FFriday r iday 9:00 9:00 a.m. – 4:30 p p.m. .m.

Monday DRIVE-UP HOURS: HOURS: M onday - Friday Friday 8:00 a.m. – 6:00 p.m. I Saturday 8 8:00 :00 a a.m. .m. – Noon 24/7 2 4 / 7 Full Service Ser vice ATM ATM

The people you know.

The experience you trust.

WCFBank.com W CF Bank .com

The ground breaking, April 16, 2014

Board of Directors - Kyle Swon, Tom Chalstrom, Leo Moriarty, Stephen Mourlam, bank president and CEO, Dennis Tasler, Harold Pursley and former board member Don Newman.

Mayor Doug Getter, standing alongside WCF Financial Bank's CEO Stephen Mourlam and board member Leo Moriarty, speaks to the crowd gathered for the ground breaking for the new bank building.

www.wcfbank.com

Thank You For over 80 years, WCF Financial Bank has called Webster City home. We’ve seen more than a few changes over the years, including the recent addition of our new branch in Independence, but one thing that has not changed is our commitment to supporting and giving back to the communities in which our customers reside.

We’d like to take this opportunity to say thank you to those of you that have chosen us as your financial partner. The confidence you have placed in us is humbling. As a result, we outgrew our space at 820 Des Moines Street and now call home to a gorgeous 15,000 square foot facility located at 401 Fair Meadow Drive, Webster City.

Kyle R. Swon, Market President and Stephen L. Mourlam, President/CEO.

As our way of saying “thank you” for your continued support of our institution over the years, we invite you to join us on June 24th at 8:30 am at a ribbon cutting to officially mark the beginning of our next chapter. Following the ribbon cutting, we’ll have an Open House from 9 am – 7 pm. We hope that you are able to stop in and meet our team, tour the new facility and enjoy treats throughout the day provided by the following local businesses: Maid-Rite, The Lunchbox Market, Dairy Queen and La Perla Jarocha.

We believe that our most important asset is our people. Our team of financial experts are focused on providing the highest level of customer service and financial knowledge in this area. It is our team that makes a difference and, with our new facility, we are able to make doing business with us even more enjoyable.

We’d like to thank the WCF Financial Bank staff for their patience during the construction process and their flexibility to adapt to change. This includes our team members in Independence, as well. Throughout this process, the input from our staff was extremely valuable in providing our end result. It truly was a collective effort.

We are very proud of our new headquarters at 401 Fair Meadow Drive and believe that it enhances the entrance into Webster City, from the south, and that it showcases the pride we have as a community.

We look forward to you joining us on June 24th as we celebrate our new facility, our customers, and this community that we are so proud to call home.

Stephen L. Mourlam

Kyle R. Swon

President/CEO

Market President – Webster City

Page 4, The Daily-Freeman Journal, Webster City, Iowa, Friday, June 19, 2015

Meet Our Family BarbKaye Barb Kaye is a loan processor for WCF Financial Bank. She started working at the bank about 11 years ago. The Webster City High School graduate is married to Bob Kaye, who works at Hagie Manufacturing in Clarion. The couple have three children — Lindsay Kaye who will begin her senior year at WCHS in the fall; Ashley Wilson, who manages Verizon Wireless in Webster City and is raising a son, Damion and a daughter, Lilly; and Ryan Wilson, who also works at Hagie Manufacturing. He and wife Laurie are raising two boys, Jack and Hank. In her spare time, Barb enjoys spending time with her family, doing crafts and riding motorcycles. She said she appreciates the peaceful area parks and enjoys the newly reopened Webster Theater.

CarriePark Carrie Park joined the staff four years ago and is a Deposit Operations Supervisor. A graduate of Ogden High School, she received a degree from Des Moines Area Community College. She and her husband, Aaron, have been married two years and have a 7-month-old daughter.

When not working, she enjoys spending time with her family and friends. Carrie said she appreciates living in a community that offers support during times of need.

The people you know.

CrisWhitmore Cris Whitmore, a 16-year employee of WCF Financial Bank, works as a personal banker and opens accounts. She graduated from Green Mountain High School and Bernel's College of Hairstyling. Her husband, Paul, will be retiring in June as a Hamilton County deputy sheriff. The couple has two married children and four grandchildren. In her spare time, Cris enjoys spending time with her grandchildren and family, taking bike rides and walks. She particularly appreciates the bike trail to Briggs Woods, a hidden gem in the area.

JessiSukraw DanielleMoore Consumer loan officer Danielle Moore joined the staff of WCF Financial six months ago, although she's worked in the banking industry for 17 years.

She's married to Rob Moore and the couple have three children — Colton, 17, Bailey, 12 and Kennedy, 10.

Motorcycle riding is a favorite pastime along with spending time with family and friends. Danielle said she's glad the community has Fuller Hall and Kendall Young Library which provide many activities for children.

SheilaScott Sheila Scott is the WCF Financial Bank assistant vice president, working with retirement accounts, health savings accounts and is a consumer loan technician. She has been a member of the team for 35 years. The Webster City High School graduate also earned a degree from Iowa Central Community College. Sheila and husband Mike have been married for 26 ½ years. They have two children: Sarah (Scott) Kunz, 24, a WCHS and ICCC graduate who works for Webster City Custom Meats; and Zachary, 19, a 2014 WCHS graduate who attends ICCC and works at Hy-Vee. The Scott family enjoys going camping and spending time together.

Sheila said she appreciates Kendall Young Park and would love to see a campground developed there.

www.wcfbank.com

Jessi Sukraw joined the staff four years ago and works in customer service and electronic banking.

She is a graduate of Roland-Story High School and Iowa Central Community College. She married her husband Zach in 2012. He is a field sales agronomist for United Co-op. The couple have a son, Jaxon, 1. The family enjoys spending time outdoors, especially at the lake. Jessi said the beautiful Boone River is a great attraction in the Webster City area.

The Daily-Freeman Journal, Webster City, Iowa, Friday, June 19, 2015, Page 5

JoyceDutcher

KyleSwon Kyle Swon began working at WCF Financial as part-time summer help in June 1982, while attending Iowa State University. He returned to the bank as a full-time employee in May 1987. Kyle has followed in his father, Ellis “Doc” Swon's footsteps. Ellis retired from WCF Financial Bank after a 50-year career. Kyle is Market President for the Webster City headquarters and oversees the dayto-day operations. He's married to Darcy Swon, the owner of inTANDEM marketing and inTANDEM workspace in Webster City. The couple have three children — Bryan, 21, currently a senior at ISU studying finance; Shannon, 18, who will be attending ISU in the fall and Lauren, 15, a sophomore at Webster City High School. Kyle is a follower of all things Iowa State and enjoys fly fishing in the Rocky Mountain West and photography. He appreciates all of the recreational opportunities the Boone River has to offer.

JeffKluver

Joyce Dutcher has worked for WCF Financial Bank for 23 years. She's a familiar face to those conducting business at the drive up window.

She graduated from Webster City High School and has a daughter and a son, and three grandchildren.

One of her favorite ways of spending her free time is with her grandchildren. Joyce said she's fond of the friendly people in Webster City who especially step up to help during times of need.

JulieOlmstead Julie Olmstead works in the Loan Servicing and Collections department at WCF Financial Bank. The Webster City High School graduate also attended Iowa Central Community College and has been a part of the WCF Financial Bank team for the past 17 years. She's been married for 30 years and the Olmsteads have two boys — Nick, 21, and Brett, 15. In her spare time, she enjoys running, biking, golfing and sharing time with family and friends. “Webster City is fortunate to have Fuller Hall and the outdoor pool”, says Julie. “It offers a safe, fun environment for kids, and helps encourage sports and exercise”.

The experience you trust.

Jeff Kluver joined the WCF Financial Bank team 17 years ago. Jeff is the senior vice president of the bank and also serves as the Chief Lending Officer. He received his finance degree from the University of Northern Iowa and is a 1999 graduate of the Graduate School of Banking at the University of WisconsinMadison. Jeff grew up in a large family — four boys and four girls. He has a famous brother, Jerry Kluver, well-known lawn and garden expert. Jeff and his wife, Becky Hacker-Kluver, enjoy having close relationships with their nieces and nephews scattered around the United States. His wife recently retired from her position as principal of Webster City Middle School. In his spare time, Jeff said he's always working on a house project though he said there's never enough time to get his “to-do list” finished. Jeff said he enjoys meeting and working with his wonderful customers.

LaurieWilson Laurie Wilson has been a member of the WCF Financial Bank team for almost three months. She is a receptionist and works in customer service. Laurie is a Webster City High School graduate and attended The Salon Professional Academy where she studied Massage Therapy. She and her husband, a technical support specialist at Hagie Manufacturing in Clarion, have two sons, ages 3 and 4. Laurie said she also likes spending time in the kitchen baking. As a family, the Wilsons enjoy camping, boating and fishing.

Briggs Woods Park and Recreational Area is a favorite spot for their outdoor activities.

Maricruz Arriola-Rincon Maricruz ArriolaRincon has been a member of the WCF Financial Bank team for one year, working as a teller and also helping as a translator as needed.

The Webster City High School graduate is originally from Veracruz, Mexico. Her family migrated to the United States and have lived in Webster City for 16 years. She enjoys listening to music, going for walks, dancing and watching movies. Maricruz said the 7-B Ranch is one of Webster City's hidden gems.

Page 6, The Daily-Freeman Journal, Webster City, Iowa, Friday, June 19, 2015

MichelleMcBride Michelle McBride joined the staff of WCF Financial Bank in March 2015.

She is a bank teller and says her position involves confidentiality and careful customer service. She graduated from Webster City High School and recently earned an Associate's Degree of Science in Human Services from Iowa Central Community College. Michelle's family has a long history in Webster City. Her grandfather, Charles V. Warren, opened the local radio station and the Daily Freeman-Journal in the 1950s. She said one of her favorite pastimes is spending time with family and friends, but she also enjoys bike riding, exercising, gardening and canning.

Michelle said she thinks the people of Webster City, both past and present, are what makes this community special.

DonnaDowns Webster City native Donna Downs, vice president and treasurer of WCF Financial Bank, joined the staff almost nine years ago. She graduated from Webster City High School and attended Iowa Central Community College.

Donna and her husband Jim have two adult sons, Brett and Mitch. She enjoys spending time with family and friends, and being outdoors in her spare time. Donna said Webster City offers opportunities in terms of schools, recreation and great people.

SherriStaley Sherri Staley works in the accounting department and has been a member of the staff for the past 31 years. She is a Webster City High School and Iowa Central Community College graduate. Sherri and her husband Dennis have one son, Chris. She enjoys traveling and spending time with her family and friends. Sherri appreciates all of the bike and walking trails the community has to offer.

CyndiBergeson Cyndi Bergeson is a loan officer with the Independence Branch.

She has 23-years of experience in the banking industry. Cyndi graduated from Jefferson High School in Independence. She and husband Rick have two married children — Amanda (Josh) Conrad and Garrett (Jamie) Bergeson. They also have six granddaughters. When she's not working, Cyndi enjoys traveling, playing pool and taking pontoon rides on the river. She said the Wapsipinicon River offers recreational opportunities for all of Buchanan County.

www.wcfbank.com

PamShurtz Pam Shurtz is a personal banker with the Independence team. She has 21years of experience in the banking industry and is currently working in new accounts. Pam and Curt, her husband, have two daughters, Julie and Laurie, and four grandchildren ranging in age from 7 months to 9 years.

The couple enjoys spending time with their grandkids, staying at their cabin, shopping and road trips in the Chevelle. The Wapsipinicon River, the Amish community and Heartland Acres Museum all offer visitors something special in the area, according to Pam.

StephenMourlam Stephen Mourlam, president and Chief Executive Officer, has more than 40 years of experience in the banking industry — with 37 of those years at WCF Financial Bank. He attended Webster City High School and Iowa Central Community College and then spent three years in the Army before returning to Webster City.

He’s a 2008 graduate of the Graduate School of Banking, Boulder, Colorado. He and his wife, Shel, recently built a home south of Webster City and enjoy spending time there with their five children and five grandchildren. The Mourlams also enjoy attending sporting events and dance competitions with the grandchildren. Stephen said his favorite pastime is riding his Slingshot (motorcycle) and working around his acreage.

Webster City has much to offer to those who have not yet experienced it, according to Stephen.

SueWebster Sue Webster has been a member of the Independence team since November 2014.

A graduate of Independence High School and Kirkwood Community College, Sue is a full-time teller at the institution. She's married with three grown children and three grandchildren. She enjoys spending time with her family and playing pool. Sue said she appreciates the Wapsipinicon River for recreational opportunities all year round. She thinks the area is also lucky to have a Frank Lloyd Wright house on the river as part of a state park.

StephanieChristian Stephanie Christian is the Market President of the Independence branch. Stephanie is a graduate of Webster City High School and Buena Vista University. She's worked 12 years for the institution. Stephanie and her husband Joshua live in Independence with their two children, Mackenzie, 9, and Bryce, 7. Prior to moving to Independence, the family lived in Webster City. Stephanie said the family is busy exploring and becoming acclimated with their new adventure. She enjoys going to the kids' sporting events and dance competitions, as well as bike rides, walks, boating and camping. Stephanie said she's discovered Fontana Park and the Amish Country — two area attractions.

Congratulations WCF Financial Bank

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Page 8, The Daily-Freeman Journal, Webster City, Iowa, Friday, June 19, 2015

Looking North Down DSM

1934 The group opened

By 1959, Webster City

the first week of

Federal Savings & Loan had

April 1934 with a

outgrown their single-front

borrowed desk and

building. Choosing to build a

office space in

OUR

Wensell Groceteria

History M

1959

CHAIRMAN OF THE BOARD Harry J. Bossert 1934 - 1957 W. A. Miller 1967 - 1986

residents stepped forward in the early

Ellis Swon 1987 - 2001

savings and loan association. They were

businessmen and local citizens who believed that an institution of this kind was vital to the community’s stability and future progress.

Their support enabled the formation of the Webster City Federal Savings and Loan Association during the most severe Depression of record.

Under the strict guidance of the federal government, the Webster City Savings and Loan was chartered in February 1934. With the newly enacted federal rules, the institution could finance first mortgages on homes and real estate within a radius of fifty miles of the City. According to federal regulations, safety of money invested in the savings and loan association was the guiding motive.

The group opened the first week of April 1934 with a borrowed desk and office space in Wensell Groceteria located at 638 Second Street. The officers and directors, all serving with no pay, kept the office open on Wednesday and Saturday evenings, the City’s traditional trading nights.

First home loan by the company was in August of 1934 for $800. Additional loan costs included $1 application fee, $3 plus 5 cents a mile appraisal fee,

Dr. Carroll Haynes 2001 - 2007 Dennis Tasler 2007 - 2015 Harold Pursley 2015 - Present $1 recording fee with a $5 charge for an abstract examination.

Original officers and directors included Harry J. Bossert, Orville Berryhill, H. O. Cutler, F. V. Talcott, George Aden, Ray W. Miller, Carl Ainslie and L. V. Mills. Their dedication allowed the association to pay a three-percent dividend for their first year of operation. As a stakeholder, the United States Treasury also received its share of dividends.

Webster City native W. A. Miller was elected secretary-treasurer at the Savings and Loan’s annual meeting in early 1936. Miller served as secretary, president and finally chairman of the board, until he retired at age of 98 in 1986.

With the selection of W. A. Miller as secretary, the fledgling financial establishment found permanent office space at 538 Second Street. Miller, co-owner of Security Title and Loan, had purchased the building, originally built in 1881 as a bank, in 1916. The Second Street location

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new facility, they purchased the no longer used Star Laundry building.

By NANCY KAYSER editor@freemanjournal.net

Orville Berryhill 1958 - 1967

ore than one hundred Webster City

part of 1934 to subscribe to shares in a

Star Laundry Building

www.wcfbank.com

would serve the Webster City Federal Savings and Loan as headquarters until 1960.

Harry J. Bossert pointed out in a May 1936 Webster City Freeman article that investing in the government supervised association was safe and generated income.

He also noted that making funds available for new construction, remodeling, repairing and home purchases helped improve the local current financial conditions and decreased unemployment.

The Savings and Loan association made steady but conservative growth through the remaining Depression years. During the War years of 1941 to 1946, they encouraged purchase of War Bonds to support the war effort.

As local soldiers returned home from the war, they found a severe housing shortage existed in Webster City.

All the financial institutions in Webster City, including the Savings and Loan, offered special GI home loans to get the families settled.

Beginning in 1948, the Chamber of Commerce and the City estimated there would need to be one thousand new homes to accommodate the growing population.

Between 1948 and 1957, 563 single family dwellings, with construction costs of almost $10 million, were built.

Webster City Savings and Loan, staying with their original charter of helping to provide housing, financed many of the new and existing homes purchased in the community during that time.

The Daily-Freeman Journal, Webster City, Iowa, Friday, June 19, 2015, Page 9

Steady growth placed Webster City Federal in need of a larger

1984

On their 50th anniversary

building. In January 2013, the

in 1984, growth required

bank announced their intention

building expansion. A

to build a two-story facility on the

complete remodel of

southeastern edge of the city. In

the building was done.

2014, construction began of the Old Building

new 15,880 sq. ft. building WCF Financial Bank’s New Location

By the time Webster City Federal Savings and Loan had reached its 25th anniversary in 1959, they had outgrown their single-front bank building on Second Street.

Choosing to build a new facility, the association purchased the no longer used Star Laundry building on the corner of northeast corner of Division and Des Moines Streets. The historic corner was the site of one of the original hitching yards for teams of horses in the early days of the City.

In September of 1959, they announced plans for a new 48 by 83-foot structure designed by the Chicago Bank Building and Engineering Company of Chicago. Bank designer was E. H. Hezner with Arvid E. Silbert as architect. The design included two vaults, private offices, a meeting room, more convenient parking along with a drive-up window. The north side of the building provided officers for Security Title Company. Contracts were let and construction began with a hoped for completion date early summer of 1960.

In the news report announcing their building plans, the company noted on the 25th anniversary of the Savings and Loan, their assets had grown from the original $2,500 to $5 million.

The Savings and Loan Association moved into their new building at 820 Des Moines Street in mid-November, 1960. A formal open house was held the next month.

In the next decade, assets had tripled. While the Association principally financed new homes or home projects, they also expanded to finance commercial building, nursing homes and church buildings.

PRESIDENTS Harry J. Bossert 1934 - 1957 Orville Berryhill 1958 - 1967 W. A. Miller 1967 - 1971 Ellis Swon 1971 - 1990 Don Newman 1990 - 1999 Phyllis Murphy 1999 - 2008 Stephen Mourlam 2009 - Present Parking lot expansions at the Des Moines Street office occurred in 1974 and 1982. Drive-up service was also modernized in 1974 to include a LeFebure Tel-Air automatic system.

On their 50th anniversary in 1984, the growth of banking services offered required building expansion. A complete remodel of the building was done with extensive redesign of the interior and the front of the building. Most noticeable to City residents was the electronic time and temperature sign.

Additional space and another vault for Safe-Deposit boxes was added in 1988.

Iin 1990, the bank was renamed to Webster City Federal Savings Bank to better reflect the Association’s expanded services.

2013

In the decade of the 1990’s, they gained national recognition as a top performing community-based lender cited as being highly efficient and maintaining high asset quality with a high concentration of single-family mortgages along with consumer and small business loans.

More services offered and a steady growth line placed Webster City Federal in need of a larger building. In January 2013, the bank announced their intention to build a two-story facility on the southeastern edge of the city.

The new building would serve their expanding operations which included acquisition of Independence Federal Bank for Savings in Independence, Iowa.

As the bank embarked on his 80th anniversary year in 2014, with assets in excess of $91 million, construction began of the new 15,880-square-foot building which would feature green building materials. Officials also announced the Des Moines Street bank building had been sold to the Webster City Community School District who planned to use the site as their administration building.

Also in 2014, Webster City Federal Savings Bank changed its name to WCF Financial Bank to encompass all the changes and growth.

On April 27, 2015, WCF Financial Bank was open for business in their new facility which features the latest in electronic and banking technology with more efficient work space for staff.

Harry Bossert and his first board of directors in 1934 would be pleased with the institution’s steady progress from a borrowed desk at the back of Wensell’s Groceteria store to the new state-of-the-art bank building in 2015.

Page 10, The Daily-Freeman Journal, Webster City, Iowa, Friday, June 19, 2015

MEET OUR Independence Branch

On January 3, 2014, Webster City Federal Savings Bank acquired Independence Federal Bank for Savings in Independence, Iowa, to expand their reach into this new market area as well as to increase Independence Federal's product and service offerings.

WCF Financial Bank, Independence Branch, has a staff of four - Stephanie Chrisitian, Market President; Sue Webster, teller/customer service representative; Cyndi Bergeson, loan processor; and Pam Shurtz, personal banker/new accounts.

Primarily a residential lender, Independence Federal Bank for Savings provided sound and secure financial services to residents of Buchanan County since 1935.

The bank now offers additional products and services that were not part of the portfolio in the past.

Independence is located in Buchanan County, east of Waterloo, just off of U.S. Highway 20, and has a population of 5,968. The area has a wealth of historical and recreational attractions, including the Wapsipinicon Mill, the Illinois Central Railroad Depot, Amish Country, and Heartland Acres.

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Page 12, The Daily-Freeman Journal, Webster City, Iowa, Friday, June 19, 2015

SERVICES

Products

LOANS MORTGAGE CONSUMER

SERVICES CHECKING ACCOUNTS DEBIT CARDS CREDIT CARDS OVERDRAFT DEFENDER ONLINE BANKING ONLINE BILL PAY MONEY MARKET PLUS ACCOUNTS SAVINGS ACCOUNTS KIDS CLUB CHRISTMAS CLUB ACCOUNT SAFE DEPOSIT BOXES NIGHT DEPOSIT DIRECT DEPOSIT

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CDS/IRAS CERTIFICATES OF DEPOSIT TAX DEFERRED RETIREMENT PLANS TRADITIONAL INDIVIDUAL RETIREMENT ACCOUNT (IRA) ROTH IRA SIMPLIFIED EMPLOYEE PENSION (SEP)

SAVINGS STATEMENT SAVINGS COVERDELL EDUCATION SAVINGS ACCOUNTS HEALTH SAVINGS ACCOUNT

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Page 14, The Daily-Freeman Journal, Webster City, Iowa, Friday, June 19, 2015

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Congratulations WCF Financial Bank On Your Open House

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The Daily-Freeman Journal, Webster City, Iowa, Friday, June 19, 2015, Page 15

OUR NEW

Home

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Proud to be the Architect and General Contractor of your new Bank

Congratulations and enjoy your new facility!