| We talked to a variety of business owners to find out exactly
which banking services they want most. Then we designed the Business
Banking Plan and the Ultimate Business Banking Plan to bring
together the services you need in an easy-to-use banking program
tailored to your specific needs. Your plan can include: |
| 1. Simplified Business Checking Account |
| The heart of Business Banking. |
| 2. Business Account Contact |
| A banker you can call whenever you have questions or need additional
banking services. |
| 3. Summary “Roll-Up” Statement |
| Each month, you’ll receive a summary statement that highlights
all your business banking activity in an easy-to-read format
so you can quickly see the “big picture” of your
business finances. |
| 4. Business Loans and Lines of Credit |
| You’ve worked hard to build your business. So why not
take it to the next level with a line of credit from Southwest
Georgia Bank? We offer a variety of business loans, lines of
credit and credit cards, making it simple to find the perfect
solution for your business. Whether you need equipment, support
for your business cycle or to purchase a new facility, Southwest
Georgia Bank has the credit vehicle to keep your business moving
ahead. |
| 5. SGB Online Banking |
| SGB Online Banking gives you instant access to your business
account information any time of the day or night, seven days
a week, and a convenient, secure way to manage your business
accounts, check balances, transfer funds and pay bills. With
SGB Online Banking, you get detailed transaction history and
real-time account balance information for deposit and loan accounts.
And, you can correspond with Southwest Georgia Bank at your convenience
via secure e-mail. With the added convenience of our Bill Pay
service, you can pay an unlimited number of bills, set up future
or repeating payments, and check the status of your payments.
In addition, an available Automated Clearing House* (ACH) upgrade
gives you the ability to disburse electronically any type of
payments, including payroll and retirement benefits, and can
serve as a collection system for regularly occurring receipts.
ACH eliminates the time and expense involved in writing and processing
checks. |
| 6. Preferred Personal Banking for Business Owners and Employees |
| With our Business Banking Plan, you, as the owner, automatically
qualify for a no-monthly-maintenance-fee Southwest Georgia Bank
account. Designed to simplify your personal banking, this package
includes a checking account with unlimited check writing, overdraft
protection, free personal SGB Online Banking with free Bill Pay,
plus a Visa® Check Card.* With our Ultimate Business Banking
Plan, you and your employees receive these valuable benefits. |
| 7. Personal Loan Discounts |
| With Ultimate Business Banking, you and your employees automatically
receive one-half percent off the interest rate of any non-mortgage
consumer installment loan.* |
| 8. Investment Consultation |
| Critical to the success of any business, retirement plans help
attract and retain talented employees. Our Trust and Investment
Division has a dedicated team of Investment Advisors to administer
and service individual and company sponsored employee benefit
plans. Your Business Banking Plan comes with a free consultation
and portfolio review with one of our Investment Advisors.** |
| 9. Insurance Consultation |
| Your Business Banking Plan also comes with a free consultation
with one of our Insurance Advisors to help you determine how
to best insure what you have worked so hard to build. We offer
Commercial Property, Commercial General Liability, Worker’s
Compensation, Business Automobile, Commercial Excess Liability,
Group and Individual Health Policies, Group and Individual Disability
Insurance, and Life Insurance for all your business insurance
needs through our Insurance Division DBA Moultrie Insurance Agency. |
| 10. Merchant Services |
| We make accepting credit and check cards easy with a program
that fits your business needs. Just choose the cards you wish
to accept, and we do the rest. Our experienced professionals
help you quickly set up your program then provide ongoing support.
Southwest Georgia Bank’s advanced, reliable processing
technology assures fast access to your funds. As an Ultimate
Business Banking client you qualify for a discount on your merchant
services. |
| 11. Additional Products & Services |
| And, there’s more. Southwest Georgia Bank can give you
more information on these vital business services: Wire Transfer;
Cash Management; Sweep Accounts; Letters of Credit; Free Notary
Service; Safe Deposit Boxes; Night Deposit; Infoline Telephone
Banking; A Drive-Through lane reserved for businesses. |
| * Lending services, credit cards and ACH are subject to credit
approval. Normal credit criteria applies. |
| ** Securities offered exclusively through Raymond James Financial
Services, Inc. Member NASD/SIPC, an independent broker/dealer,
and are: NOT FDIC Insured. NOT GUARANTEED by the bank. Subject
to risk and may lose value. |
