1. Welcome to Bank Day! 1

2. 2

3.  Structure  Function  Income  Expense 3

4.  [Information here about your bank structure] 4

5.  The bank serves as an intermediary between our depositors and our borrowers 5

6.  Deposits ◦ Bank Liability  Checking Accounts  Savings Accounts  Certificates of Deposit  Loans ◦ Bank Asset  Provide income through interest paid 6

7.  Interest Income  Non-Interest Income 7

8.  Interest Received on Loans  Interest Received on Securities 8

9.  Service Charges on Deposit Accounts  Commissions and Fees (Investment Services)  Mortgage Loan Fees  Service Charges on Loan Accounts  Other Operating Income 9

10.  Interest Expense  Non-Interest Expense  Provision for Loan Losses 10

11.  Interest Paid on Deposits  Other Interest Paid (Other Borrowing) 11

12.  Salaries & Employee Benefits  Occupancy Expense  Furniture & Equipment  Office Supplies & Printing  Advertising  Other Operating Expense 12

13.  Expense to cover expected future losses from loans that default 13

14. 14

15. 15 Federal Deposit Insurance Corporation

16.  Created in 1933  Effective July 1, 1934  Insurance on deposits 16

17. Amount of Coverage 1934 $2,500 2014 $250,000 17

18. Example: Insurance coverage for a family of four with deposit accounts in multiple ownership categories Account TitleAccount Ownership Category Owner(s)Beneficiary(ies)Maximum Insurable Amount HusbandSingle AccountHusband$250,000 WifeSingle AccountWife$250,000 Husband IRACertain Retirement Account Husband$250,000 Wife IRACertain Retirement Account Wife$250,000 Husband & WifeJoint AccountHusband & Wife$500,000 Husband PODRevocable TrustHusbandWife$250,000 Wife PODRevocable TrustWifeHusband$250,000 Husband & Wife Living Trust Revocable Trust Account Husband & WifeChild 1 & Child 2$1,000,000 Total$3,000,000 Amount Insured$3,000,000

19.  Checking  Savings 19

20.  Deposit and Withdraw Funds  FDIC Insured  Access By: ◦ Personal check ◦ Debit card ◦ ATM ◦ Local Branch ◦ Online Banking 20

21.  Deposit and Withdraw funds  Interest bearing  FDIC Insured  Access by ◦ Local Branch ◦ Online Banking 21

22.  Deposit and withdraw funds  Higher interest than regular savings  FDIC Insured  Access by ◦ Personal check (limited) ◦ Debit card (limited) ◦ Local branch ◦ Online Banking 22

23.  Fixed term ◦ 3 months ◦ 6 months ◦ 1 year ◦ 5 years  Fixed interest rate  Withdraw at maturity 23

24.  Retirement savings plan  Tax advantages  Types of IRA ◦ Traditional-  May have tax advantage ◦ Roth  Tax free withdrawals 24

25. Checking Ledger |Online Banking | Quicken 25 Keep Track of Your Money!

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27.  An arrangement in which a lender gives money to a borrower, and the borrower agrees to repay the money, along with interest, at some future point(s) in time. 27

28.  Consumer  Business 28

29.  Auto Loans  Education  Home Equity (loans or lines)  Home Improvement  Personal Unsecured 29

30.  Equipment  Real Estate  Lines of Credit 30

31. Banking and the Six C’s of Credit Credit History CollateralCapacityConditionsCapital Character 31

32. Trustworthiness | Respect | Responsibility | Fairness Caring | Citizenship 32 Pillars of Character

33.  Be honest  Be reliable- do what you say you’ll do  Have the courage to do the right thing  Build a good reputation 33

34.  Follow the “Golden Rule”  Accept differences  Use good manners  Be considerate of others feelings 34

35.  Plan ahead  Persevere - keep trying!  Do your best  Use self-control  Think before you act 35

36.  Play by the rules  Take turns and share  Be open-minded; listen to others 36

37.  Be kind and compassionate  Express gratitude  Forgive others  Help people in need 37

38.  Do what you can to make your school and community a better place  Cooperate  Get involved  Stay informed; vote  Respect authority; obey laws and rules  Protect environment 38

39. 39 Investing in our Community

40.  Financial Literacy  Volunteering  Sponsorships 40

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42. ‣ Remote Deposit Capture ‣ Online Banking ‣ Mobile Banking 42

43. ‣ Deposit funds from remote locations into the bank ‣ Make deposits anytime (Same Day - 5:00) ‣ Cut cost by reducing trips to the bank ‣ Save time preparing deposits 43

44. 44 ‣ Manage your accounts from home, office or anywhere via internet 24/7 ‣ Personal ‣ Small business ‣ Corporate (E-Corp) ‣ Online bill pay (additional charges may apply)

45. 45 ‣ Manage money on the go ‣ Enrollment via website

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47.  Building a foundation ◦ Create a “rainy day” reserve ◦ Pay off your debts ◦ Get insured ◦ Max out any tax-deferred retirement plans 47

48. 48 Why Invest?

49.  Setting investment goals  Think about your time horizon  Understand your risk tolerance  Remember your liquidity needs 49

50. Stocks | Bonds | Cash 50 Types of Investments

51.  How do stocks work?  The role of stocks in your portfolio 51

52.  How do bonds work?  The role of bonds in your portfolio 52

53.  Cash and alternatives  Using cash alternatives 53

54.  Balancing risk and return  Many ways to diversify  Monitoring your portfolio 54

55. Questions? 55

56. Thank you for attending Bank Day at [bank name]! 56