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Same day credit of deposits and incoming wire transfers. <br /> Vie process daily transactions on each business day with a cutoff time of <br /> 3:00pm. All deposits and wires received up to this time would be credited <br /> on this same business day. <br /> <br />Electronic deposits, -. <br /> All Village Bank accounts accept electronic deposits under the ACH <br /> system. In addition, we offer internet banking se?vices that ali our <br /> customers can use to make automatic debit and credit transfers to their <br /> accounts. <br /> <br />Lockbox services. <br /> Retail lockbox services are not currently available but could be contracted <br /> if needed. <br /> <br />Competitive investment options. <br /> We offer Certificates of Deposit from terms of 3 months to 48 months for <br /> investment purposes. Please contact us for a quote on rates and terms. <br /> Through our correspondent relationship with Wells Fargo Bar&, the City <br /> is able to purchase securities or i~vestments and receive imstimtional <br /> pricing on these transactions. <br /> <br />Electronic balance and transaction reporting. <br /> Available through Village Banks online banking service. There is no <br /> charge for viewing acti¥ity or transferring funds between bank accounts. <br /> <br />Positive pay services. <br /> While this service is currently not available, Village Bank is wil]i,ng to <br /> work with the City on,other alternatives. · '- <br /> <br />M. Responsive, accurate, cooperative and courteous customer 'service. <br /> Village Bank is a community bank that is fami}y~ovmed and operated. The <br /> pr/mary focus of our bank is on customer service and satisfaction. Our <br /> personalized banking philosophy has contributed to our rapid growth with <br /> assets totaling over $175 mit,lion. ,Our staff is committed to meeting the <br /> individual needs of our banking customers. Village Bank is expan-ding to <br /> meet the b~king needs of our rapidly growing market area. Village Bank <br /> was chartered in January 1993, Since that t/me we have added offices in <br /> Oak Grove, Blaine and Ramsey. In the fail of 2005, we wilt be opening a <br /> fifth office in East Bethel. <br /> <br />-6- <br /> <br />-205- <br /> <br /> <br />