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Member FDIC


Table of Contents Locations Commercial Lending Private Banking Business Banking Merchant Services Commercial Real Estate SBA Lending Business Deposit Products Mortgage Auto Lending RV Lending Boat Lending Home Equity Line of Credit Consumer Deposit Products Mobile Banking Credit Cards

CSB NMLS #409010

Member FDIC


“Community & Southern Bank’s Vision is to become the financial institution of choice in our markets by exceeding expectations of our clients and our communities through our decisions and our behavior every day.” Pat Frawley - CEO


“From Athens, to Atlanta, to Marietta, west to Douglasville, Carrollton and Bremen, and north Dahlonega, Cumming, Ellijay, Blue Ridge and Blairsville, we have over 550 employees dedicated to exceeding your expectations.�

Mark Abernathy - President


Blue Ridge

Dalton

Blairsville

Chatsworth Ellijay

Dahlonega Cornelia Dawsonville

Canton

Cumming

Woodstock Alpharetta

Braselton

Buford

Roswell 400 Marietta Dunwoody Grayson

Corporate Office

Buchanan Tallapoosa

Winder

Brookhaven Snellville

Douglasville

Athens

Loganville

Bremen Villa Rica

Conyers

Carrollton

2010

established

CSB Branch Stand Alone ATM

40

locations Member FDIC

$3.4

billion

Customer Care Cen

800.901.807 myCSBonline.com


Bank your way.

in-person | online | mobile

Member FDIC


COMMERCIAL BANKING At CSB, we focus on providing your business with key essentials for success: access to capital through a variety of loan products, cash management tools, and professional advice and expertise. You’ll benefit from our unique banking experience, chartered with a mission to provide capital and financial services to help stimulate the local economy, and support business growth and prosperity in the markets we serve. An extensive level of experience in working with companies like yours, has provided our dedicated banking professionals with a better understanding of how to address your financial needs. Providing a holistic approach to partnering with your company to achieve your goals for today, and years to come, CSB offers innovative products to help simplify your banking, allowing you to focus more time and energy on achieving the vision you have for your business.

Commercial Banking Options Loans from $1MM to $25MM including: • Lines of Credit • Term Loans • Commercial Mortgages • SBA and USDA Loans Deposit and Investment Accounts Cash Management Services Online Banking and Bill Pay Remote Deposit Capture Merchant Bankcard

CSB NMLS #409010

Member FDIC

Key essentials for your business


“We found a bank that offers the kind of solid strategic advice that can help us grow during any business cycle. The bank is Community & Southern. Good bank. Good people.� Chip Vaughn - Brand Vaughan Lumber Company


PRIVATE BANKING The Private Banking group at Community & Southern Bank provides comprehensive financial solutions through unparalleled and personalized service to its clients. Clients work with a dedicated client manager to assess needs, identify opportunities and develop a banking relationship through ONE point of client contact. With experience in the Metro Atlanta community, our team strives to exceed expectations by focusing on the unique needs of our clients. Our Private Banking group’s mission is to establish mutually beneficial relationships as a trusted financial partner for our clients. As one of the largest banks in Georgia, our goal is to become the ONE choice for the Professionals and Executives in our community.

NOTHING’S MORE PERSONAL THAN SUCCESS.

THAT’S WHY YOU NEED A MORE PERSONAL BANK.

“At CSB, our Private Banking experts will exceed your expectations by being available when you need us. By providing ONE point of contact, our goal is to be your long-term trusted financial advisor – connecting your needs with our knowledge, to save you time and money.” Mark Abernathy - President

CSB NMLS #409010

Member FDIC

One to One Banking


BUSINESS BANKING At Community & Southern Bank, we understand your daily business decisions are often based on your time and need for convenience. This is why our dedicated team of business banking professionals is available to help simplify your most basic business needs, from access to capital to cash management solutions. We are committed to the communities we serve and are available to assist you in growing a successful business. We look forward to being your business partner, bringing value to you, and ultimately your customers.

Business Banking Options Loans from $100,000 to $2MM including: • Lines of Credit • Term Loans • Commercial Mortgages • SBA and USDA Loans Deposit and Investment Accounts Cash Management Services Online Banking and Bill Pay Remote Deposit Capture Merchant Bankcard

CSB NMLS #409010

Member FDIC

Your success is our business


MERCHANT SERVICES Your customers prefer your local business, why not keep your merchant services local? At Community & Southern Bank, we offer the latest technology in merchant card processing with outstanding customer service a the lowest possible cost.

Merchant Services Options: • Customized Merchant Solutions • Industry Experience • Safety and Security • Innovative Reporting Tools • Local + 24/7/365 Support • Affordable + Transparent Fees • Increased Sales • Keep the Tax Base Local • Unrivaled Reliability

CSB NMLS #409010

Member FDIC

Competitive Rates Latest Technology Local Service


“The right banking partner lends solid strategic advice which allows us to practice in state-ofthe art facilities and focus on what’s most important - caring for cancer patients.� Dr. Mark McCord - Atlanta Oncology Associates


COMMERCIAL REAL ESTATE The real estate market is growing and fast moving! And when you partner with a CSB Commercial Real Estate Lender, you have the benefit of a dedicated relationship manager that provides responsive service combined with solid guidance. Your Community & Southern Relationship Manager will take the time to understand your goals and will keep you updated throughout the loan process. And with local credit approvals and streamlined processes, your project goals will be completed on time and tailored to fit your needs.

Community & Southern offers a wide array of real estate financing services that include: • • • • •

Affordable Housing Commercial and Residential Construction Income Producing Properties Mini-Permanent Financing Senior Housing

Contact your Community & Southern real estate expert today and discover a bank that offers innovative loan products and services designed with you in mind!

CSB NMLS #409010

Member FDIC

Innovation with you in mind


SBA LENDING At Community & Southern Bank, we understand your daily business decisions are often based on your time and need for convenience. We specialize in small business, we will take the time to sit down and get to know you and your business needs. We offer our business clients access to key financial essentials required to grow and prosper. We are committed to the communities we serve and are available to assist you in growing a successful business. We look forward to being your business partner, bringing value to you, and ultimately your customers.

7(a) and 504 Loan Programs Purchase Construction Equipment Acquisition Working Capital Business Solutions Access to Capital Cash Management Financial Expertise

CSB NMLS #409010

Member FDIC

Solutions to fit your business.


CONSTRUCTION LOANS At Community & Southern Bank, we realize that even the most attractive loan offers has to come with superior service and affordable rates to work for you. So, we’ve developed a range of mortgage loan products including construction to permanent lending to help our customers realize their dreams while saving them time & money.

Construction to Permanent Builder Overview: a. Up to a 12 month maturity with interest only payments. b. Max loan to value based on the lesser of Total Project Cost or as Completed Appraised Value (whichever is less). Call for specific details and max Loan to Values. c. Construction loan can include tear down of existing structures, new construction build out, and renovation of existing homes. d. Acquisition of the lot can be included in the Construction loan. e. General contractor/builder of your choice.*

CSB NMLS #409010

Member FDIC

Loans to help you grow.


DEPOSIT SOLUTIONS Business

At Community & Southern Bank, you will find an excellent selection of checking accounts to meet the needs of your business, paired with the latest in banking technology and serviced by professional, experienced bankers.

Featured Products and Benefits: • Remote Deposit Capture • Online Payment Services • ACH Payment Origination and Processing • Federal Wire Transfer • Positive Pay • ACH Debit Block and Filter • Zero Balance Account • Line of Credit Sweep • Online Banking • Bill Pay (Business PaymentsPlus) • eStatements

CSB NMLS #409010

Member FDIC

Do More Business Banking in Less Time.


• $100 minimum opening deposit • No minimum balance requirement • No monthly service charge • Free VISA® Debit Card with unlimited withdrawals at CSB ATMs • 200 transaction items included (additional items are $0.25 each) • $10,000 in cash deposits included (additional fee of $0.12 per $100 over $10,000) • $10,000 cash out included (additional fee of $0.12 per $100 over $10,000)

Classic Business

Business Accounts

Simple Business

• $100 minimum opening deposit • $1,000 minimum monthly balance requirement • $10 monthly service charge, if daily balance falls below $1,000 • Free VISA® Debit Card with unlimited withdrawals at CSB ATMs • 500 transaction items included (additional items are $0.15 each) • $10,000 in cash deposits included (additional fee of $0.12 per $100 over $10,000) • $10,000 cash out included (additional fee of $0.12 per $100 over $10,000)

Advantage Business • $100 minimum opening deposit • $1,500 minimum monthly balance requirement • $10 monthly service charge, if daily balance falls below $1,500 • Free VISA® Debit Card with unlimited withdrawals at CSB ATMs • 400 transaction items included (additional items are $0.15 each) • $10,000 in cash deposits included (additional fee of $0.12 per $100 over $10,000) • Tiered interest based on balance. • $10,000 cash out included (additional fee of $0.12 per $100 over $10,000)

Analysis Business • $100 minimum opening deposit • Free VISA® Debit Card with unlimited withdrawals at CSB ATMs • Earnings credit rate option • Balances and activities for multiple accounts can be combined • Other activity fees apply (may be offset by balances)

Why choose Analysis Business Checking?

• Multiple accounts can be consolidated into a single relationship • Balances can be aggregated for the month • “Earnings Credit” is applied based on balances in order to offset service charges • Cash Management Services are delivered through analyzed accounts • Monthly analysis statement provides detailed information regarding the account activity Member FDIC


MORTGAGE At Community & Southern Bank, we understand the decision making process for finding your new home can be filled with many questions along the way. Our dedicated team of mortgage loan professionals is available to meet you where you are in the process, providing local expertise and familiarity with local markets. We are committed to the communities we serve and are available to assist you in finding your best mortgage loan option. You’ll be exceptionally pleased with our ability to carry the loan process from start to finish – quickly and conveniently – at a branch location nearest to your new home.

Mortgage Options • Conventional • Jumbo • FHA • VA • USDA • Purchase Money Second Loans

(Maximun Loan to Value Available)*

• Construction to Permanent Loans • HomePath Loans

CSB NMLS #409010

Member FDIC

*With Credit Approval

We look forward to being a part of your story.


PURCHASE MONEY SECOND MORTGAGE At Community & Southern Bank, we know that even the most attractive loan package has to come with superior service and affordable rates in order to work for you. That’s why we have developed a range of personal loan products and services to help you realize your dreams - and save you time and money. Included in our mortgage loan product offering, are Purchase Money Second Mortgage Home Loans. Plus, when you apply for a Purchase Money Second Mortgage, ask to have your payments automatically deducted from your CSB personal Checking account. Once your loan is approved, you’ll save 0.25% on your loan rate, as long as you choose to have continuous automatic payments from your CSB personal Checking account.*** 

Features and Benefits: • Closes at the same time as the main home purchase transaction with funds going towards the down payment • Allows borrowers to put down less “out of pocket” money on a home, or break up their loan into two separate amounts to produce a more favorable blend • Available for single or 1-4 unit owner occupied residences • The interest for this loan may be tax deductible* • Fixed rate for the first 5 years from closing, and then floats with the Wall Street Prime rate** • Private Mortgage Insurance (PMI) is not required

CSB NMLS #409010

Member FDIC

*Ask your tax advisor. **Ask a CSB team member for the most recent rates. ***A CSB Checking account requires a minimum opening deposit of $100. Monthly loan payments to Community & Southern Bank for the Purchase Money Second Mortgage will not include any amount for taxes and insurance. Contact us for the current rate, margin, and minimum and maximum interest rates. Must be purchased in combination with a Mortgage originated from Community & Southern Bank.


“Many banks offer the same services. We choose a partnership with CSB because of the responsive and helpful team of professionals. Our day-to-day business leaves no margin for error, and CSB understands this work ethic. We are about people and relationships, and so is Community & Southern.� Greg Walker - Walker Cadillac


AUTO LOANS Whether you want to buy a new SUV or used car, or refinance an existing auto loan, CSB has the right loan for you. Take advantage of our competitive rates and superior local service to keep you in the driver’s seat of your financial life. Contact us today to get an auto loan.

Dealer Services Options: Competitive rates Secured or unsecured financing Quick approvals Convenient terms

CSB NMLS #409010

Member FDIC

“Always focus on the front windshield and not the rearview mirror.” - Colin Powell


RV LENDING Your life adventures await. CSB is here is make sure you enjoy them with competitive rates and local service. Contact us today to get a loan for an RV or Camper

“It always rains on tents. Rainstorms will travel thousands of miles, against prevailing winds for the opportunity to rain on a tent.� - Dave Barry, Author

Simplistic lifestyle

CSB NMLS #409010

Member FDIC


BOAT LENDING From local lakes to the high seas and rivers in between, the world is yours to navigate. CSB boat and watercraft loans are here to ensure you enjoy life on the water with competitive rates and local service. Contact us today to finance your boat or other watercraft.

“To reach a port we must set sail – Sail, not tie at anchor Sail, not drift.” - Franklin D. Roosevelt

Embrace the possibilities

CSB NMLS #409010

Member FDIC


HOME EQUITY LINE OF CREDIT Up to 100% Financing! Whether you are planning for a second home, your exotic getaway, or need extra money for seasonal home projects, we are available to help make your dreams a picture-perfect reality.

Our Home Equity product features include: • Up to 100% Loan to Value financing • Low variable rate • Interest only or standard payment options • Easily accessible by check, online transfer or phone request • Tied to your CSB checking account for peace of mind overdraft protection • Interest accrues only on outstanding balances • Interest may be tax deductible**

CSB NMLS #409010

Member FDIC

Picture Your Dreams

*A line of credit is a revolving loan account that contemplates multiple borrowings against the credit line, repayment of any portion of the amount borrowed, and reborrowing up to the amount of the credit limit. **Consult your tax advisor.


DEPOSIT SOLUTIONS Kasasa.

An Opportunity to benefit the most from your hard-earned money. OK, it may not give you superhuman strength, but Kasasa does give you free accounts that take your best interest to heart. All with exceptional personal service that Community & Southern Bank has built its reputation on.

With Kasasa You Always Get: • No monthly service fee • No minimum balance to earn rewards • Free online banking and bill pay • Free debit card

CSB NMLS #409010

Member FDIC

Do You Kasasa?


l l a s ’ t I

u o Y t u o b A

opnen ow! www.kasasa.com/csb Member FDIC


High Rates & Refunds On ATM Fees Nationwide*

2.01 %

APY*

On Kasasa Cash balances up to $25,000 if qualifications are met

0.05

Save Automatically With Kasasa Cash & Kasasa Saver Working Together Interest and ATM fee refunds from Kasasa Cash are automatically transferred directly into Kasasa Saver, which also earns high interest. Just

%

APY*

On all Kasasa Cash balances if qualifications are not met

0.50

To earn interest and ATM fee refunds each month:

%

APY*

On Kasasa Saver balances up to $50,000 if qualifications are met on Kasasa Cash

purchases post and settle, have at least 1 automatic payment (ACH) or bill pay transaction post and settle, and be enrolled and receive e-statement on this account.

0.05 %

APY*

On all Kasasa Saver balances if qualifications are not met on Kasasa Cash

Kasasa Cash and Kasasa Saver: *APY=Annual Percentage Yield. APYs accurate as of 7/8/2013. Rates may change after account is opened. Minimum to open

action and credited to account automatically on the last day of monthly statement cycle. When the ATM fee is $5.00 or more, due to operation restrictions, the customer must provide the bank the ATM receipt to receive the $4.99 maximum reimbursement per transaction; (2) balances up to $25,000 receive an interest rate of 2.00% (2.01% APY); and (3) balances over $25,000 earn an interest rate and corresponding APY of 0.25% on portion of balance over $25,000, resulting in a composite APY of a maximum of 2.01% (assuming an average balance of $25,001) to 0.60% (assuming an average balance of $125,000), with an APY below 0.60% (but never below Cash all balances earn an interest rate and corresponding APY of 0.05%. Qualifying transactions must post to and settle in the Kasasa Cash account during the monthly from the date transaction was made to post to and settle in account. ATM transacment cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle, and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. balances up to $50,000 in Kasasa Saver receive an interest rate and corresponding APY of 0.50%; and (2) balances over $50,000 in Kasasa Saver earn an interest rate and corresponding APY of 0.25% on the portion of balance over $50,000, resulting in a combined Kasasa Saver APY of 0.50% (for average balances of $50,001) to 0.33% are not met on Kasasa Cash, all balances in Kasasa Saver earn an interest rate and corresponding APY of 0.05%. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN.

Kasasa Tunes: *The minimum to open account is $25. You will be refunded up to $20 for iTunes® and/or Amazon.com® purchases that post to and settle in the the account on the last day of statement cycle in which refundable purchases were Rewards expire if not used within 30 days. Purchases must be made with the debit card associated with your Kasasa Tunes account. Qualifying Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit

tion cycle will be reimbursed up to $4.99 per single transaction and credited to account automatically on the last day of monthly statement cycle. When the ATM fee is $5.00 or more, due to operation restrictions, the customer must provide the bank the ATM receipt to receive the $4.99 maximum reimbursement per transaction. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. Limit one account per SSN.

iTunes® or Amazon.com® Refunds* & Nationwide ATM Fee Refunds*

$10

Every Month

In iTunes or Amazon.com ®

Plus,

®

refunds* if qualifications are met

$20

In iTunes® or Amazon.com® refunds* just for signing up!

To earn downloads and ATM fee refunds each month: post and settle, be enrolled and log into online banking, and be enrolled and receive e-statement on this account. Member FDIC


“A whole new way to bank”


DEPOSIT SOLUTIONS Consumer

Experience an account designed to complement your lifestyle. Reduce your monthly service fee just by by using your debit card and signing up for an electronic statement. Then take advantage of an online discount program with local area and nationwide businesses along with free ID Fraud Protection and Wallet Restoration services.

Simply Checking No

Frills

The convenience of a basic full-service account with easy choices to avoid a monthly service charge. • $25 Minimum opening balance • $3 Monthly service charge if discount qualifiers are not met QUALIFIERS (one of these 3) - $500 average monthly balance - Direct Deposit - eStatement • Noninterest checking

Prime Time

Account for customers age 62 or better who want interest, free wallet checks & other benefits. • Up to 4 Free withdrawals each month from any non-CSB ATM • 3 Free cashier’s checks per month • Earn tiered % on balances over $1,000 • 1st year FREE small safe deposit box (based on availability)

CSB NMLS #409010

Member FDIC

FREE

Account


• $100 minimum opening deposit • $1,000 minimum daily balance requirement • $10 monthly service charge, if daily balance falls below $1,000 • Limit of six transactions/transfers/withdrawals per month • $15 per transaction after six per month, regardless of transaction type**

Money Market • $100 minimum opening deposit • $1,000 minimum daily balance requirement • $12 monthly service charge, if daily balance falls below $1,000 • Limit of six transactions including checks/transfers/withdrawals per month+ • $15 per transaction after six per month, regardless of transaction type**

Consumer Accounts

myMaximum Savings

Statement Savings • $100 minimum opening deposit • $200 minimum daily balance requirement • $5 service charge per quarter, if daily balance falls below $200 • Limit of six transfers/withdrawals per month, $3 for each additional withdrawal**

Learn to Earn Savings • $25 minimum opening deposit • No minimum balance requirement • No monthly service charge • Available to 19 year olds and younger • Earns interest (compounded daily) • Limit of six transfers/withdrawals per month, $3 for each additional withdrawal**

CD • $500 minimum opening deposit • Earn competitive interest rates • Penalty for early withdrawal

IRA • $500 minimum opening deposit • IRA options: Traditional, Roth, SEP, Rollover & more • No administration or transaction fees • Earn competitive interest rates • Interest compounded & credited quarterly

+Account changed to non-interest bearing account if 6 transactions per monthly limit is exceeded for three times in rolling 12-month period, not consecutive. **Fees could reduce savings.

Member FDIC


MOBILE BANKING Living room, work, grocery store — wherever you are, so is Community & Southern Bank. Our free, convenient mobile banking service acts as a mobile branch. Check balances, transfer funds, pay bills, deposit checks, and more — available anytime, anywhere with your mobile device. Download an app or simply utilize your mobile browser. It’s your choice. Have a branch on you at all times — sign up for this time-saving service today. Mobile Options: • Fast, free, and secure service for customers on-the-go:  View and search account history  Transfer funds  Pay bills  Deposit checks remotely  Quickly find CSB locations  And more! • Available with any web-enabled mobile device • Utilize this service three convenient ways:  Mobile broswer  App download – iPhone | Android  Text banking • Save valuable time and effort; avoid an extra trip to a branch

Member FDIC

Bank where you want


CREDIT CARD Consumer & Business Credit Cards Make your purchase decisions easier with a CSB Visa credit card, with no annual fee. A CSB Visa® credit card boosts your purchasing power with Platinum Reward benefits. Cash in on a competitive rate. Plus, enjoy 0% on balance transfer fees and no annual fee*. Even manage your card online for free!

Features include: • 0% Fixed Introductory APR for purchases & balance transfers* • Rewards program redeemable for merchandise • Competitive rates* • $0 Fraud Liability Protection • Travel Accident Insurance • Auto Rental Collision Damage Waiver • Free online card management • Review account information • Track spending • Make a payment • Set alerts • Download files

CSB NMLS #409010

Member FDIC

A Credit Card with Rewards

*See the Business Card Pricing Information in the application for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. 0% Annual Percentage Rate for purchases and balance transfers applies to first six billings cycles from date of account opening.



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