OOPS! Guarantee Program

You've lived by rules all your life. As a kid you learned how to play fair and be a good sport. But as an adult, you've found that the playing field isn't always level and sometimes, life just isn't fair.

Take banking fees, for example. You've been tolerant and understanding when your bank charged you for making mistakes. Let your deposit balance fall too low or make a late payment, and you knew there'd be a price to pay.

But when the mistake was made by the bank, somehow the rules were different. When your name was misspelled, when you were debited instead of credited, when numbers were transposed, well you just called them up, pointed it out, and then let it slide.

We don't think that's right. When we first opened our doors, we promised to be different. We promised great products, better rates, and the best darn service you'll find for miles around. To do this, we build relationships with our customers based on trust and mutual respect.

So even though the rules of banking have allowed us to charge you for your mistakes, and look the other way with ours, we believe it's time for a change. That's why we offer a revolutionary new idea in banking: the OOPS! Guarantee Program™. To guarantee that we provide the highest quality customer service, if you find a mistake we have made, we'll pay you for it.

Yes, even banks make mistakes now and then.

Whether the other guys admit it or not, there are mistakes that all banks occasionally make. But we're the only bank flexible enough and humble enough to pay our customers when we make them.

The OOPS! Guarantee Program is our small way of acknowledging that we're human, too. We may be the best bank around here, but we know we're not perfect. We've committed our sins of omission, revision, division, and addition.

Don't get us wrong, we don't expect anyone to get rich on our errors. We're going to continue making every effort to meet the highest standards in banking. But if we misspell a name on someone's checks, we'll pay them. If checks are missing from a statement, we'll pay them. It’s our way of making sure we provide quality service.

Here's a list of common banking mistakes:

• Names and addresses
• Interest rate, term, or maturity date on CDs
• Check order
• Teller line wait over 5 minutes
• Staff member greeting
• Research time over two days
• Account posting
• ATM adjustment
• Transposed numbers
• Addition, subtraction, multiplication...
• And others that are hard to define, but are clearly mistakes.

If a customer notes any of these errors, we'll credit their account $2 immediately. Or, they can have cash!

If you are one of our customers, we hope this reaffirms your belief in hometown banking. Because we think that uncovering mistakes that slip through our own tough scrutiny can only help us serve you better over the long term.

If you're not one of our customers, you should know the OOPS! Guarantee Program will benefit you, too. Because other banks in the area will be forced to look at their systems, products and services to be able to compete with ours.

So you see, customer or not, hometown banking can be good for you. Of course, we think it will be better if you are our customer. Then you can say you're with that innovative community bank that is willing to admit to an "oops".