tag:blogger.com,1999:blog-16593678256405391242024-03-13T14:20:57.065-07:00First Bank of the LakeAt First Bank of the Lake, we don't try to sell you a loan or service you don't need. And, we make all of our decisions right here at home - we use judgment and compassion when evaluating requests.
We're sure we have an account to fit your needs. Just come on in to First Bank of the Lake and talk with an Account Specialist today.First Bank of the Lakehttp://www.blogger.com/profile/07786820022764986835noreply@blogger.comBlogger341125tag:blogger.com,1999:blog-1659367825640539124.post-34484381048735664622021-12-28T07:01:00.001-08:002021-12-30T10:35:49.017-08:00 Credit and Debit Card Processing Options at First Bank of the Lake<p>In the true spirit of a hometown bank founded to take care
of the needs of our local community, we know that credit card processing is
essential to most of our lake area businesses. We also understand that people
prefer to do business with others they know and trust. That's why we’ve
partnered with BASYS Processing to offer <a href="https://www.fblake.bank/for-business/credit-and-debit-card-processing" target="_blank">credit and debit processing solutions at Lake of the Ozarks</a>.
BASYS is a family-owned payment processor, and makes accepting credit and debit
cards convenient, safe, and affordable. Best of all, BASYS shares the same
customer-oriented values as First Bank of the Lake. If you are looking for a <a href="https://www.fblake.bank/for-business/credit-and-debit-card-processing" target="_blank">credit c</a><a href="https://www.fblake.bank/for-business/credit-and-debit-card-processing" target="_blank">ard processing solution for your Lake of the Ozarks business</a>, keep reading to
learn about the benefits of credit card processing services at <a href="https://www.fblake.bank/for-business/credit-and-debit-card-processing" target="_blank">First Bank of the Lake</a>.</p>
<h3 style="text-align: left;">BENEFITS OF BASYS</h3>
<p class="MsoNormal">There are several things about BASYS that we think you will
particularly like. First, you will not
be dealing with an automated phone system.
When you call, you will be greeted by a live, friendly voice. You will
also have a dedicated account representative who will know your name, not just
your account number. BASYS also has an in-house PCI Compliance team that will
proactively reach out to help you achieve and maintain compliance. At BASYS, you will appreciate knowing you are
working with people who care and treat you like a person and not a transaction.</p><p class="MsoNormal"><o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjL4k_TcUDBbESvm_7NhPv84vWvXIBaWRAjmVBQpBk_IdC3_A_pQ2ANobgxyqGJADxL-kZ67KnR7NthizhB084DNs0_VI1b4dUYb43Luf0Pc8xZT41sltxZwg8xPZHj9SlPlTitwLzmjxsibadpWx9i8LxIwPwVCrck48u3KFn8w9TL08dUBbpYvTk6=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="631" data-original-width="1000" height="253" src="https://blogger.googleusercontent.com/img/a/AVvXsEjL4k_TcUDBbESvm_7NhPv84vWvXIBaWRAjmVBQpBk_IdC3_A_pQ2ANobgxyqGJADxL-kZ67KnR7NthizhB084DNs0_VI1b4dUYb43Luf0Pc8xZT41sltxZwg8xPZHj9SlPlTitwLzmjxsibadpWx9i8LxIwPwVCrck48u3KFn8w9TL08dUBbpYvTk6=w400-h253" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><h3 style="text-align: left;"><b>SAFETY AND SECURITY – ALERTS, APPROVALS, SECURE LOGIN</b></h3>
Alerts are a simple yet powerful way to stay connected to your account
information where you can track as much, or as little, as you choose. Alert
notifications can help you monitor your money and detect unusual account
activity. You can choose to receive push notifications or email, or both. Simply
set up and manage account alerts with the Mobile Banking app.<p class="MsoNormal">
Approvals are at the heart of our Business Banking App and are essential tool
that helps protect your business against fraud. Approvals that have been set-up
within our desktop site carry over to your mobile device. Authorized users have
the ability to approve payments and ACH transactions, wherever they are and
whenever it’s convenient. Approvals offer control over large transfers of
money, help identify suspicious activity, and can stop fraudulent transactions
before they ever happen. If you have transactions waiting for your approval and
have activated your push alerts, you'll even see an alert right on your home
screen.</p><p class="MsoNormal">
Logging in from your mobile device is simple and very secure. In fact, our
mobile login uses the same multi-layer security that’s used as if you’re
logging in from your desktop computer. We confirm your credentials along with
the device you are using. You can also securely sign in with Touch ID® and
Fingerprint Authentication.<o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjek7i7h40MOUoMD8BtbZHBKgn12VVzY1KgwTbo8IW4ceceSXH7KFiw1Y4dGKJz_tRSbVxdtGE7j0SLGO46G2zX59n06-I_bcNqQCffFZN8nfgA09rZyLBH8l7VXAKaySPkhb3OuPVIAT0PgCBi55SCs7ytpYB_mcV5fNUb0KfkdyuRHW8-owbt_BT_=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEjek7i7h40MOUoMD8BtbZHBKgn12VVzY1KgwTbo8IW4ceceSXH7KFiw1Y4dGKJz_tRSbVxdtGE7j0SLGO46G2zX59n06-I_bcNqQCffFZN8nfgA09rZyLBH8l7VXAKaySPkhb3OuPVIAT0PgCBi55SCs7ytpYB_mcV5fNUb0KfkdyuRHW8-owbt_BT_=w400-h266" width="400" /></a></div>
<h3 style="text-align: left;"><br /></h3><h3 style="text-align: left;">VARIETY OF PROCESSING SERVICES AND SOLUTIONS</h3>
<p class="MsoNormal">Credit Card Terminals<b>.
</b>We offer a complete lineup of the latest processing equipment,
including fully integrated EMV terminals.<b><o:p></o:p></b></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Ethernet,
dialup, or WiFi connectivity.<o:p></o:p></li>
<li class="MsoNormal">Built-in
printer.<o:p></o:p></li>
</ul>
<p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEj-le8IbRqBc8iga1QHkiD0YpjSaqklRZoKbtvRdHJh7NM2PoWmU0bExxIGopZh_rSOjFplYuasGmI6_CvfQB9jI0169Exi0ON6T_MhxUTnTbElyAyY9rNRjkbTC3LU7Z26NiMWpn9kj0Nm5pxazOcTJpbmqNL7cl93p1zsOq50-rk8kXI51oh0QzGf=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEj-le8IbRqBc8iga1QHkiD0YpjSaqklRZoKbtvRdHJh7NM2PoWmU0bExxIGopZh_rSOjFplYuasGmI6_CvfQB9jI0169Exi0ON6T_MhxUTnTbElyAyY9rNRjkbTC3LU7Z26NiMWpn9kj0Nm5pxazOcTJpbmqNL7cl93p1zsOq50-rk8kXI51oh0QzGf=w400-h266" width="400" /></a></div><o:p> </o:p><p></p>
<p class="MsoNormal">Point-of-Sale Systems.<b> </b>First Bank of the Lake is pleased
to offer the Clover™ solution, a cloud-based Point of Sale system with
inventory, open source applications, and business management tools to ensure
the best fit for your business.<b><o:p></o:p></b></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Robust
reporting capabilities.<o:p></o:p></li>
<li class="MsoNormal">Full
suite of integrated business management tools.<o:p></o:p></li>
<li class="MsoNormal">Accept
strip and EMV cards, as well as contactless payments.<o:p></o:p></li>
</ul>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Mobile Processing.<b> </b>Whether it be processing on a
tablet, smartphone, or fully dedicated wireless terminal, we have user friendly
EMV products to fit your mobile needs.<b><o:p></o:p></b></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Accept
strip and EMV cards, as well as contactless payments.<o:p></o:p></li>
<li class="MsoNormal">User-friendly
setup. </li>
</ul>
<p class="MsoNormal"><br /></p><p class="MsoNormal">Virtual Terminal Processing<b>. </b>BASYS Processing’s
custom on-line processing system, BASYS IQ, ensures that every transaction
contains the correct information to qualify at the best rates, including
Business Level III rates. We also work with Authorize.net, Paytrace, ePN, and
more.<b><o:p></o:p></b></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">No new
devices are necessary.<o:p></o:p></li>
<li class="MsoNormal">Qualify
for the lowest Level II/III rates.<o:p></o:p></li>
<li class="MsoNormal">Full
transaction and settlement history.</li></ul>
<p class="MsoNormal"><br /></p><p class="MsoNormal">E-Commerce. Let your
customers shop with you 24/7 with an online shopping cart. We can help
implement a secure payment solution for your e-commerce business that meets
your needs while reducing the risk and cost of fraud and charge backs in the
online world.<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Simplified
PCI DSS compliance.<o:p></o:p></li>
<li class="MsoNormal">Reduced
risk of fraud and chargebacks</li>
</ul>
<p class="MsoNormal"><br /></p><p class="MsoNormal">POS & Software Integration. From restaurants and catering, to
hospitality, to phone ordering, we can integrate with virtually all
point-of-sale systems on the market including Micros, Shift4, Aloha, and more.<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Flexible
integration.<o:p></o:p></li>
<li class="MsoNormal">Business
management tools</li></ul>
<h3 style="text-align: left;"><br /></h3><h3 style="text-align: left;">PAYMENT SOLUTIONS TAILORED TO FIT YOUR NEEDS!</h3>
<p class="MsoNormal">BASYS Processing makes accepting credit and debit cards
convenient, safe, and affordable. You will enjoy competitive processing rates
for all major card brands and have access to services and solutions including
terminals, virtual terminals, e-commerce, mobile, and point-of-sale, to fit your
unique business needs! <a href="https://www.fblake.bank/for-business/credit-and-debit-card-processing" target="_blank">First Bank of the Lake</a> thinks you will also appreciate the relationship
you get with BASYS. Your personal account representative at BASYS is fully
aware that debit and credit card processing is essential to everyday business functioning
and downtime is costly and he or she will be there to help whenever you need
it. If that sounds interesting and you would like to learn more about credit and <a href="https://www.fblake.bank/for-business/credit-and-debit-card-processing" target="_blank">debit card processing at Lake of the Ozarks</a>, complete the Basys Contact
Form by going to <a href="https://basyspro.com/referral/firstbankofthelake/" target="_blank">https://basyspro.com/referral/firstbankofthelake/</a> and a Basys
Representative will contact you. To stay informed of all the latest news and announcements
about <a href="https://www.fblake.bank/for-business/credit-and-debit-card-processing" target="_blank">banking at the Lake of the Ozarks</a>, don’t forget to use the links
below to follow us on social media. <o:p></o:p></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><p class="MsoNormal"><span face="arial, tahoma, helvetica, freesans, sans-serif" style="background-color: white; color: #606060; font-size: 14.85px; text-align: center;"><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span>(573) 348-2265</span> </p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-49411264560205787532021-12-21T10:29:00.000-08:002021-12-23T07:41:36.022-08:00 Applying for a Mortgage at First Bank of the Lake – 7 Types to Choose From (Part 2)<p>At <b><a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">First Bank of the Lake</a></b>, we hope you enjoyed part 1
of our blog on Applying for a Mortgage at First Bank of the Lake. As you can tell, we have a number of mortgage
options for you to choose from to best suit your needs. Last week we talked about 3 of our more standard
mortgages … Fixed Rate Mortgages, Construction Permanent Loans, and Bridge Loans. This week we are going to go into more detail
about 4 other types of loans. If you are
thinking about <a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">buying, building, or refinancing a home at Lake of the Ozarks</a>,
read on! We have the information you
need to make the best decision on what type of loan would be best for your
situation. When you are ready to make
the move, we invite you to reach out to one of our <a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">mortgage lenders in Osage Beach</a>
to get started.</p><p class="MsoNormal"><o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiQTICVCJr2h517hPTt9aUVfU8yU1BGzzYhP-T7Th9xZu8xdnVYFWEVbh0SDex8k4BAtByQVqO6BzuBL3P3reXQtinl5yhgM8wOHxO4FZxU7mHof9q-0gYUpPqOWQCSVo6Um_P7vYgie_bLtMpxsGCk7gkSdY1z0SguA1IZdshBJfGX02ja-ugTVtmS=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEiQTICVCJr2h517hPTt9aUVfU8yU1BGzzYhP-T7Th9xZu8xdnVYFWEVbh0SDex8k4BAtByQVqO6BzuBL3P3reXQtinl5yhgM8wOHxO4FZxU7mHof9q-0gYUpPqOWQCSVo6Um_P7vYgie_bLtMpxsGCk7gkSdY1z0SguA1IZdshBJfGX02ja-ugTVtmS=w400-h266" width="400" /></a></div><p></p>
<h3 style="text-align: left;"><br /></h3><h3 style="text-align: left;">Adjustable Rate Mortgage (ARM)</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">ARMs can be a popular mortgage choice when interest rates
are high, if you only plan to stay in your home for a few years, or if you plan
to refinance down the road. Most ARM loans feature an initial rate period,
during which the interest rate, principal, and interest payments remain the
same. Once the initial rate period expires, the interest rate will adjust once
per year for the remainder of the loan term. The adjustments are based on a
fluctuating index plus a margin. When the interest rate adjusts, your monthly
payment will usually increase if rates go up or decrease if interest rates go
down.<o:p></o:p></p>
<p class="MsoNormal">Often, an ARM loan may have a lower starting principal and
interest payment, but at the end of the ARM loan’s initial rate period, the
interest rate and monthly principal and interest payment could go up. If that
happens, you will need to be prepared to make bigger payments. To help avoid
significant fluctuations, interest rate caps limit how much the interest rate
can go up or down at each interest rate adjustment and over the life of the
loan.<o:p></o:p></p>
<p class="MsoNormal">Key Features:<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Available
in 5/1 term.<o:p></o:p></li>
<li class="MsoNormal">Fixed
rate for the first five years.<o:p></o:p></li>
<li class="MsoNormal">No
private mortgage insurance.<o:p></o:p></li>
<li class="MsoNormal">Variable
rate can adjust up or down at the end of the fixed term.<o:p></o:p></li>
<li class="MsoNormal">Rate
increases are capped at a pre-set maximum.<o:p></o:p></li>
<li class="MsoNormal">Attractive
interest rates and low closing costs.<o:p></o:p></li>
</ul>
<p class="MsoNormal">ARM loans are named by the duration of the initial rate
period and how often the rate will adjust thereafter. First Bank of the Lake
offers a 5/1 Adjustable Rate Mortgage:<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">The
“5” stands for the 5-year initial rate period during which the interest
rate remains the same.<o:p></o:p></li>
<li class="MsoNormal">The
“1” shows that the interest rate can adjust once per year after the
initial rate period expires. An ARM loan may be a good option if you plan
to move or refinance within a few years or if you expect your income to
grow in the future </li></ul>
<h3 style="text-align: left;"><br /></h3><h3 style="text-align: left;">Jumbo Loans</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">If you’re buying, financing, or building a home with a
higher property value and can manage larger monthly mortgage payments, a jumbo
loan, also referred to as a non-conforming loan, may be a good choice for you.<o:p></o:p></p>
<p class="MsoNormal">“Non-conforming” refers to loan amounts higher than the
maximum conforming limits available for Fannie Mae loans. Jumbo loans are
available in a variety of fixed-rate and adjustable-rate options. Although they
usually feature both a higher down payment amount and higher interest rate than
standard mortgages, a fixed or variable-rate jumbo loan can help some people
accommodate large purchases.<o:p></o:p></p>
<p class="MsoNormal" style="margin-left: 0.25in;">Key Features:<o:p></o:p></p>
<ul style="margin-top: 0in; text-align: left;" type="disc">
<li class="MsoNormal">Home
financing option above $510,400.<o:p></o:p></li>
<li class="MsoNormal">Variety
of loan terms are available.<o:p></o:p></li>
<li class="MsoNormal">Financing
for primary residences and vacation homes.<o:p></o:p></li>
<li class="MsoNormal">Fixed
rate, adjustable rate and interest-only payment options.<o:p></o:p></li>
<li class="MsoNormal">Purchase,
Refinance, and Construction options available.<o:p></o:p></li>
<li class="MsoNormal">Attractive
interest rates and low closing costs.</li></ul><p></p><p></p>
<h3 style="text-align: left;"><br /></h3><h3 style="text-align: left;">Residential Lot Loans</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">When you find the perfect lot, you don’t need to wait until
you are ready to build. You can purchase the lot now, work on creating your new
home plans, and then select a builder. When you’re ready, we can also provide
the construction loan and permanent financing. With so many considerations to
make while preparing to build, let us take care of the lot financing.<o:p></o:p></p>
<p class="MsoNormal" style="margin-left: 0.25in;">Key Features:<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Loan
amounts up to 1 million.<o:p></o:p></li>
<li class="MsoNormal">Three
financing options available, including interest only and fixed rate loans.<o:p></o:p></li>
<li class="MsoNormal">Low
down payment options.<o:p></o:p></li>
<li class="MsoNormal">In-house
underwriting, processing and closing.<o:p></o:p></li>
<li class="MsoNormal">Up to
10 acres allowed.<o:p></o:p></li>
</ul>
<p class="MsoNormal" style="margin-left: 0.25in;">When it comes to finding a lot
that works for you, you should consider:<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Your
price range.<o:p></o:p></li>
<li class="MsoNormal">Zoning
requirements for your desired area.<o:p></o:p></li>
<li class="MsoNormal">Annual
tax rate on the lot.<o:p></o:p></li>
<li class="MsoNormal">Ordinances
and covenants, including homeowner’s association (HOA).</li></ul><br /><p></p>
<h3 style="text-align: left;">Portfolio Loans</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Our in-house portfolio loans can help potential buyers with
special circumstances or atypical financing requirements, which can make it
difficult to qualify for a conventional home loan. Portfolio loans offer
homebuyers and homeowners with greater flexibility in the loan approval
process. They feature fixed and adjustable rate terms, attractive rates, low
closing costs and local lending decisions.<o:p></o:p></p>
<p class="MsoNormal" style="margin-left: 0.25in;">Key Features:<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Loan
amounts from $300,000 to $30 million.<o:p></o:p></li>
<li class="MsoNormal">In-house
processing, underwriting and closing.<o:p></o:p></li>
<li class="MsoNormal">Low down
payment options.<o:p></o:p></li>
<li class="MsoNormal">Expanded
guidelines and specialized features.<o:p></o:p></li>
<li class="MsoNormal">Interest-only
options.<o:p></o:p></li>
<li class="MsoNormal">Financing
options for self-employed borrowers.<o:p></o:p></li>
<li class="MsoNormal">Bridge
financing.<o:p></o:p></li>
<li class="MsoNormal">Pledged
assets in lieu of cash.<o:p></o:p></li>
<li class="MsoNormal">For
primary or vacation homes.<o:p></o:p></li>
<li class="MsoNormal">No
prepayment penalty.<o:p></o:p></li>
<li class="MsoNormal">No
monthly mortgage insurance.<o:p></o:p></li>
<li class="MsoNormal">Escrow
for Homeowner’s Insurance and Taxes not required.</li></ul><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgYBqQHeWW13-ja6btqLo4ScpQQIrNP8JRlnk9e3bYYGTL6ou5rlp5oZZKYeTImqJT67-Zg1baNlKfEIPMRvTh261PbWTqwm7Agml38xnoSdFXul7vq8E_lo1Gx5AEdlrGKw25OOyDT2GgTLs2XVDfaCfW_p8QkPMd4BFdZqIGz4JJtSNJb0lRsjh9J=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEgYBqQHeWW13-ja6btqLo4ScpQQIrNP8JRlnk9e3bYYGTL6ou5rlp5oZZKYeTImqJT67-Zg1baNlKfEIPMRvTh261PbWTqwm7Agml38xnoSdFXul7vq8E_lo1Gx5AEdlrGKw25OOyDT2GgTLs2XVDfaCfW_p8QkPMd4BFdZqIGz4JJtSNJb0lRsjh9J=w400-h266" width="400" /></a></div><p></p>
<p class="MsoNormal">When it comes to home loans, there’s no such thing as a one-size-fits-all. That’s why <a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">First Bank of the Lake</a> offers different types of home loans to meet a variety of needs. Sometimes
the specifics when <a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">buying a house at the Lake of the Ozarks</a> aren’t standard,
but that doesn’t make it impossible. Our
<a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">lending experts in Osage Beach</a> are well-versed in all our loan products and are
solution-focused. It is our goal to help
you reach your goal of buying your dream home. If you have any questions, we encourage
you to give us a call. To stay informed
with all our latest tips and information about <a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">banking at the Lake of the Ozarks</a>,
please follow us on our social media channels below! <o:p></o:p></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><p class="MsoNormal"><span face="arial, tahoma, helvetica, freesans, sans-serif" style="background-color: white; color: #606060; font-size: 14.85px; text-align: center;"><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span>(573) 348-2265</span> </p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-58193019785768773542021-12-17T09:05:00.000-08:002021-12-17T09:05:55.434-08:00Applying for a Mortgage at First Bank of the Lake – 7 Types to Choose From (Part 1) <p><a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">First Bank of the Lake</a> is very customer-focused, and
we know that every borrower’s situation is unique. That is why it is important to us that we
offer a variety of mortgage financing options to accommodate your needs. If you are interested in purchasing or <a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">building a home at the Lake of the Ozarks</a> we invite you to talk to one of our <a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">mortgage lenders in Osage Beach</a>. If you would
like to know more about the types of mortgage financing available at our <a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">bank at the Lake of the Ozarks</a> just keep reading! We are going to talk about 3 of our most popular
mortgages!</p><p><br /></p>
<h3 style="text-align: left;">Fixed Rate Mortgage</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">A fixed rate mortgage is a perfect solution if you plan to
stay in your home for a long period of time and have the peace of mind knowing
that your monthly payments won’t change.
The interest is locked in, so you’ll have a consistent monthly payment
and have the flexibility to choose the length of your loan. Knowing your
payment will be the same each month<span style="background: rgb(249, 249, 249); color: #4d4d4d; font-family: Montserrat;"> </span>may give you greater ability to plan
a budget and pay other expenses without jeopardizing your mortgage payment. With
a fixed rate mortgage from First Bank of the Lake, you have a choice of a
variety of available loan terms. The overall interest you pay is more over the
life of the longer-term loan, but a short-term loan often has a higher monthly
principal and interest payment.<o:p></o:p></p>
<p class="MsoNormal">Key Features:<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">A
variety of loan terms are available.<o:p></o:p></li>
<li class="MsoNormal">Consistent
payments for the life of the loan.<o:p></o:p></li>
<li class="MsoNormal">Low
down payment options.<o:p></o:p></li>
<li class="MsoNormal">Single
family loan amounts up to $510,400.<o:p></o:p></li>
<li class="MsoNormal">Attractive
interest rates and low closing costs.</li></ul><p class="MsoNormal"><o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiYgEA-_YCiIxR9r2DbyXhCXyZNUgpwe48V52N8lla3OVizgMoAxA6iOsFtjhQAsQE11Z3j725gixUuJgNb1VHdnE_3zhFLKg6xIzKWWaKgzzxXBo5hJeLWR8XgyX9gtlUaFwIjLtXCr8ibWDVyUCeWieGySlM7aWbslMo-cjkGV_T6Ad8jeZ2f_X8f=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEiYgEA-_YCiIxR9r2DbyXhCXyZNUgpwe48V52N8lla3OVizgMoAxA6iOsFtjhQAsQE11Z3j725gixUuJgNb1VHdnE_3zhFLKg6xIzKWWaKgzzxXBo5hJeLWR8XgyX9gtlUaFwIjLtXCr8ibWDVyUCeWieGySlM7aWbslMo-cjkGV_T6Ad8jeZ2f_X8f=w400-h266" width="400" /></a></div><br /><p></p><p class="MsoNormal"></p><h3 style="text-align: left;">
Construction Permanent Loan</h3><o:p></o:p><p></p>
<p class="MsoNormal">A Construction Permanent Loan makes new home financing
simple. There’s just one loan application and one closing. You can use the
construction loan to build either a primary or vacation home. Our construction
loans offer low closing costs, and we offer a closing credit on your permanent
loan when the construction/renovation project has been completed. Our
construction loan approval and construction disbursing processes have been
refined to provide a superior borrower and builder experience.<o:p></o:p></p>
<p class="MsoNormal">Key Features:<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Loan
amounts up to $5 million.<o:p></o:p></li>
<li class="MsoNormal">Construction
period up to 12 months.<o:p></o:p></li>
<li class="MsoNormal">Loan
Program options provide flexibility.<o:p></o:p></li>
<li class="MsoNormal">Secure
your permanent interest rate before you begin building.</li></ul><p class="MsoNormal"><o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjLM65T5PsrGWI688PKNJKdADGALbwtDCiGn3yGctrEPClLK_JAtLdHXBmCVmkmIifHF29d9ujg4VIL1rrAcuSEPeYIbP_N6UDifb8RoVB9CrRmlKGyhbCgFO2G5-kpGqxFKRdOBkyKoovvuXSQToP3LnzVh-dL9ulB62xtlxsbbYsWb7yGZFuVqf48=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEjLM65T5PsrGWI688PKNJKdADGALbwtDCiGn3yGctrEPClLK_JAtLdHXBmCVmkmIifHF29d9ujg4VIL1rrAcuSEPeYIbP_N6UDifb8RoVB9CrRmlKGyhbCgFO2G5-kpGqxFKRdOBkyKoovvuXSQToP3LnzVh-dL9ulB62xtlxsbbYsWb7yGZFuVqf48=w400-h266" width="400" /></a></div><br /><p></p>
<h3 style="text-align: left;">Bridge Loan </h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">It’s not uncommon for a buyer purchasing a new home to have
to secure financing prior to the sale of an existing home. In this case, a
bridge loan – also known as “gap financing” or a “swing loan” – can provide the
money you need to help complete the new purchase. The funds from the bridge
loan are then used as a down payment on the new home by leveraging the equity
in your current home. By using the equity in your current home to acquire your
down payment funds, you can purchase your new home now, and then pay off the
temporary bridge loan when you close on the sale of your existing home.<o:p></o:p></p>
<p class="MsoNormal">Bridge loans can be the perfect solution for a number of
different situations:<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Your
dream home has come on the market for sale.<o:p></o:p></li>
<li class="MsoNormal">You
need to relocate for a new job.<o:p></o:p></li>
<li class="MsoNormal">Your
family is about to outgrow your current bedroom count.<o:p></o:p></li>
<li class="MsoNormal">You
don’t have a temporary housing solution between selling and buying homes,<o:p></o:p></li>
</ul>
<p class="MsoNormal">Simply put, bridge loans are to help people transition into
the next home. They say timing is everything, but real estate opportunities and
life transitions rarely come at a convenient time – bridge loans can span the
transitional gap.<o:p></o:p></p>
<p class="MsoNormal">Key Features:<o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Interest
only payments on a fixed rate.<o:p></o:p></li>
<li class="MsoNormal">Short
loan term with no prepayment penalty.<o:p></o:p></li>
<li class="MsoNormal">Intended
to help smoothly navigate this all-too-common homeownership predicament.</li></ul><p class="MsoNormal"><o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjUiWX4EXCOs9pJwPU6a9e6IyOkbhJ_A_RPw_yea2Bp-0zCO9eFO7pNy_CEeXxcVbVbZTjnq53_b7ro-x-nN9US13y079lANQsO4GUlllWhpBtRKLFHieIZjMHnat3TDzo3QuEvWvzzdzLrGCKUJWkI8tbZO6hkDkTwc7UTkuzgyOQB00SuH85QN6gq=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEjUiWX4EXCOs9pJwPU6a9e6IyOkbhJ_A_RPw_yea2Bp-0zCO9eFO7pNy_CEeXxcVbVbZTjnq53_b7ro-x-nN9US13y079lANQsO4GUlllWhpBtRKLFHieIZjMHnat3TDzo3QuEvWvzzdzLrGCKUJWkI8tbZO6hkDkTwc7UTkuzgyOQB00SuH85QN6gq=w400-h266" width="400" /></a></div><br /><p></p><h3 style="text-align: left;">Financing Options to Fit Your Needs at First Bank of the Lake! </h3>
<p class="MsoNormal">If none of these three loans exactly fit your needs, we have
more to tell you about in another blog!
But if you can’t wait until then, you can go to <a href="https://www.fblake.bank/for-you/mortgage-financing-options">https://www.fblake.bank/for-you/mortgage-financing-options</a> to read about them on our website. If you are not sure which option is right for
you, reach out to our lending experts.
They will help guide you through the process to choose the best rate and
term to make your dream home a reality!
Our team of <a href="https://www.fblake.bank/for-you/mortgage-financing-options" target="_blank">mortgage lenders at Lake of the Ozarks</a> makes the loan
process easy. You can start your
application online or call us at (573) 348-2265. To hear about all our latest announcements
and tips, use the links below to follow us on our social media channels! <b><o:p></o:p></b></p><p class="MsoNormal"><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><p class="MsoNormal"><span face="arial, tahoma, helvetica, freesans, sans-serif" style="background-color: white; color: #606060; font-size: 14.85px; text-align: center;"><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span>(573) 348-2265</span> </p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-57465809125178178342021-12-07T14:23:00.000-08:002021-12-10T11:33:13.199-08:00Exploring What First Bank of the Lake Has to Offer Using Our Education Center!<p>The mission of <a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a> is to put our
customers first, and we take that mission to heart in everything we do. We know that people need access to time-saving
technology that is convenient and secure to manage their accounts and keep
track of their finances. We provide that
through numerous apps and services available through our <a href="https://www.fblake.bank/" target="_blank">bank at Lake of the Ozarks</a>. We also understand that with
technology and a large menu of services available, there is a learning curve. </p><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">So, we created the Education Center on our website to provide
24/7 unlimited access to video tutorials that will help you learn more about
what First Bank of the Lake has to offer and how to use each service or app. If you are interested in utilizing things like
Online Bill Pay, Mobile Banking, CardValet, Money Transfers, and more, but don’t
know exactly how to get started or use them to their full potential, read on! We wrote this blog for you. <o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjuddxbW1SXI_w99UfsFtVmpnwKZ_4nu8M60w_EGdyHTWRViLSSAaYZsQfl450hZxbfDwKdLWNyj9btxJ321imTuy0_cxj3n4w_7TvKA7eQB0TGo_tn9G-Fmpnu8NdRI1hKEJBqyLvXQ6httR93PAqF_Sm8y4YTyP5RqanMgX8SqXJUSDJabwZLitpt=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="610" data-original-width="1000" height="244" src="https://blogger.googleusercontent.com/img/a/AVvXsEjuddxbW1SXI_w99UfsFtVmpnwKZ_4nu8M60w_EGdyHTWRViLSSAaYZsQfl450hZxbfDwKdLWNyj9btxJ321imTuy0_cxj3n4w_7TvKA7eQB0TGo_tn9G-Fmpnu8NdRI1hKEJBqyLvXQ6httR93PAqF_Sm8y4YTyP5RqanMgX8SqXJUSDJabwZLitpt=w400-h244" width="400" /></a></div><p></p>
<h3 style="text-align: left;">Library of Tutorials</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Finding our Education Center is easy. Just click on the Resources tab of our
website and you will see it in the dropdown menu. This is where learning begins, and you get to
see our products in action! There will
be a menu of tutorials, each one broken down into sections in case you just
need help with one part of the product and don’t want to hear the entire
overview. They will cover products for personal banking and business banking. When you click on a tutorial, it will open in
a new window and ask your permission to leave the First Bank of the Lake
website and proceed to the site for the tutorials. <o:p></o:p></p>
<h3 style="text-align: left;">Mobile Banking</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Many of the products we offer at our <a href="https://www.fblake.bank/" target="_blank">bank in Osage Beach</a>
are integrated into Mobile Banking in general, so the tutorial for Mobile
Banking is a great place to start. This video will walk you step-by-step through exactly
what features are available with the Mobile Banking app and how to use
them. For example, the tutorial will explain
how to use or access the following:</p><p class="MsoNormal"><o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Instant
Balance: When enabled, users can securely preview balances without
logging in.<o:p></o:p></li>
<li class="MsoNormal">Touch/Fingerprint
ID: Log in using your fingerprint instead of a password with Apple's
Touch ID or Android's Fingerprint Authentication or Facial Recognition.<o:p></o:p></li>
<li class="MsoNormal">Account
Balances: View your account balances in real-time.<o:p></o:p></li>
<li class="MsoNormal">Recent
Transactions: View both recent and pending transactions.<o:p></o:p></li>
<li class="MsoNormal">Check
Images: View images of the front and back of your checks.<o:p></o:p></li>
<li class="MsoNormal">Transfer
Funds: Easily move money between your accounts.<o:p></o:p></li>
<li class="MsoNormal">Add
Contacts: Add companies and people to send money to.<o:p></o:p></li>
<li class="MsoNormal">Send
Money: Schedule payments to companies and people.<o:p></o:p></li>
<li class="MsoNormal">Deposit
Checks: Deposit paper checks using your phone's built-in camera.<o:p></o:p></li>
</ul>
<p class="MsoNormal">There are also individual videos on things like Online Bill
Pay, eStatements, and Remote Deposits. The
Mobile Banking video will talk about these features, too, but you may check the
stand-alone videos for more details as well.
In addition, there are videos for the business side of these products
e.g. the Business Mobile App, Business Bill Pay, etc.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEieTwg5WpoTg_bDb41wcCGRvWv1f3iDZ1jK11qU6Td43GMfmMnem0Ds25bw0Ok2_m6cnWkDATM_0FTY-3m_DJuvKT4OEWxHypdCynx-WPj6Z4LbFxRHQatGqXb4QSCJfj_scD3F_ZseE7DIv_NyH1_Ps01XdpmlB1MXeyx0mVhn75Bk-0nFSG68axja=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEieTwg5WpoTg_bDb41wcCGRvWv1f3iDZ1jK11qU6Td43GMfmMnem0Ds25bw0Ok2_m6cnWkDATM_0FTY-3m_DJuvKT4OEWxHypdCynx-WPj6Z4LbFxRHQatGqXb4QSCJfj_scD3F_ZseE7DIv_NyH1_Ps01XdpmlB1MXeyx0mVhn75Bk-0nFSG68axja=w400-h266" width="400" /></a></div>
<h3 style="text-align: left;">Other Featured Products</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">There are several other handy products available at First
Bank of the Lake with detailed tutorials in the Education Center library. There is a video on Popmoney which explains
how you can send money to family and friends or other individuals with just their
email address or phone number. There is
a video on the CardValet app which allows you to lock and unlock your debit card
using your phone, restrict purchases to locations, merchant categories, or
transaction types, receive alerts based on criteria you choose, and more! There is a video on how FDIC deposit insurance
works and how to ensure your deposits if they exceed the $250,000 maximum with IntraFI
Deposits. There is even one telling how
to manage money transfers with other banking institutions outside of First Bank
of the Lake called External Transfers. <o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEihNZneXiJaBIKS5trFJJ7-iYs9pzSTDPcIHVddLEnqC_bL4dpNvA8e-YvCsn_vL07YKjoISwJP7b0apLmN-tDvyHvsmkIM2nOOyfvFFJ0-A6wyI3NIlhM9lbmj2Sjfi2uUNesL9blmIvT9Vm2WIz2wiyHEZbACEod8pEi4md94d79wCzugeDkg31Ne=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEihNZneXiJaBIKS5trFJJ7-iYs9pzSTDPcIHVddLEnqC_bL4dpNvA8e-YvCsn_vL07YKjoISwJP7b0apLmN-tDvyHvsmkIM2nOOyfvFFJ0-A6wyI3NIlhM9lbmj2Sjfi2uUNesL9blmIvT9Vm2WIz2wiyHEZbACEod8pEi4md94d79wCzugeDkg31Ne=w400-h266" width="400" /></a></div>
<h3 style="text-align: left;">Welcome to the Education Center at First Bank of the Lake!</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">If you have not ventured to look into any of these banking
options, we think you will enjoy exploring the Education Center. It just may inspire you to try some easy
tools that can help you manage your <a href="https://www.fblake.bank/" target="_blank">bank accounts at the Lake of the Ozarks</a>
with proficiency! Or if it is something you don’t use very often, like
Popmoney, and you just need a quick reminder of where to find it or how to use it,
the Education Center tutorials are great guides. At <a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>, we are all
about making banking easier, better, and more secure for our clients. We hope you enjoyed this blog about the
Education Center on our website. If you would like to stay up-to-date with helpful
announcements and information about <a href="https://www.fblake.bank/" target="_blank">banking at the Lake of the Ozarks</a><b>,</b>
we invite you to follow us on social media.
The links to our channels can be found below. <o:p></o:p></p><p class="MsoNormal"><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><p class="MsoNormal"><span face="arial, tahoma, helvetica, freesans, sans-serif" style="background-color: white; color: #606060; font-size: 14.85px; text-align: center;"><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span>(573) 348-2265</span> </p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-58025392551519359252021-11-30T13:54:00.004-08:002021-12-03T13:19:16.248-08:00Mobile Deposit at First Bank of the Lake - A Better Way to Deposit Checks!<p>If you have heard about mobile deposits but haven’t tried
using them yet, you don’t know what you are missing! The convenience of depositing checks is
literally at your fingertips. With the
First Bank of the Lake Mobile Banking app, it's easy, fast & FREE! It's as
simple as point, click, done. Deposit checks anywhere and anytime. It's the
fastest, easiest way to get checks into your account AND it is safe and secure. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgFw-OH6J8lYL240fo32A1Swl5b0aMVWKXJydxAUzbIvvmyuOdaT2svy6hg4KuhIsADvnEZv79HTOBti8_nM-39XnsmgoKSzbUmFKWvVjmz4p9rEhHdNw6xh3vy22dl8TaW0h83mgI1fQfN0UvEBx8DCzDf4nSEet6snVCwUn9XRaUESXZNI8DnezYC=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEgFw-OH6J8lYL240fo32A1Swl5b0aMVWKXJydxAUzbIvvmyuOdaT2svy6hg4KuhIsADvnEZv79HTOBti8_nM-39XnsmgoKSzbUmFKWvVjmz4p9rEhHdNw6xh3vy22dl8TaW0h83mgI1fQfN0UvEBx8DCzDf4nSEet6snVCwUn9XRaUESXZNI8DnezYC=w400-h266" width="400" /></a></div><p></p><p>At <a href=" https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>, we would
like to tell you a little more about how to make mobile deposits and answer
some frequently asked questions. Read on
to learn more. If you have any questions
that we do not answer in this blog, please give our <a href=" https://www.fblake.bank/" target="_blank">bank at the Lake of the Ozarks</a> a call at (573) 348-2265. We
are here to help with all your banking needs.</p><p class="MsoNormal"><o:p></o:p></p>
<h3 style="text-align: left;">How does it work?</h3>
<p class="MsoNormal">Depositing checks has never been easier. Once you downloaded
the FBOL mobile app, simply launch it on your phone and select Deposit. To
deposit a check, choose the account to make your deposit. Then enter the
amount. Sign the back of your check with your signature and the endorsement For
Mobile Deposit Only at First Bank of the Lake. Now, take a photo of the front
of the check. Photograph the check against a background that gives you strong
contrast. Ensure the entire check is visible, in focus, and well lit. When
ready tap the camera icon to snap your picture. If it’s clear, use it. Repeat
this process for the back of the check. Once both images have been captured
make your deposit. That’s it!</p><p class="MsoNormal"></p><p></p><p class="MsoNormal"><o:p></o:p></p>
<h3 style="text-align: left;">Is it secure?</h3>
<p class="MsoNormal">Yes, depositing checks with Mobile Deposit is safe and
secure. Every deposit you make is password protected and highly encrypted.<span style="background: white; color: #4d4d4d; font-family: Montserrat;"> </span>In fact,
our mobile login uses the same multi-layer security that’s used as if you’re
logging in from your desktop computer. We confirm your credentials along with
the device you are using. You can also securely sign in with Touch ID® and
Fingerprint Authentication</p><p class="MsoNormal"><o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjMGCEmzW08-jkhmoSIaVT9YlnxneJIwVwIu6BMhGqZUL6acCbrxUFexnr_xgeQlTDflDN3-xPq8Qdx71wjo3fz5hkGuK3INZxqcttLSM-tsXyzIkvSQBmretBEuF4odBESsS6hFw8is1l_bUwLm1ylPY6qwtDmLMIa4bGvJlZ197EkayECPP_NkiCd=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEjMGCEmzW08-jkhmoSIaVT9YlnxneJIwVwIu6BMhGqZUL6acCbrxUFexnr_xgeQlTDflDN3-xPq8Qdx71wjo3fz5hkGuK3INZxqcttLSM-tsXyzIkvSQBmretBEuF4odBESsS6hFw8is1l_bUwLm1ylPY6qwtDmLMIa4bGvJlZ197EkayECPP_NkiCd=w400-h266" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><p></p>
<h3 style="text-align: left;">What types of checks can I deposit?</h3>
<p class="MsoNormal">You can deposit checks payable in U.S. dollars, including
personal, business, and most government checks. Checks must be payable to and
endorsed by the account holder.<o:p></o:p></p>
<p class="MsoNormal">The following are not eligible for mobile deposit:
International Checks, U.S. Savings Bonds, U.S. Postal Money Orders, MoneyGram,
Federal U.S. Treasury Checks, remotely created checks (whether in paper form or
electronically created), convenience checks (checks drawn against a line of
credit), and cash, etc.</p><p class="MsoNormal"><o:p></o:p></p>
<h3 style="text-align: left;">When will my funds be available?</h3>
<p class="MsoNormal">Generally, mobile deposits received and accepted on a
business day before 4 pm CT will be available that business day.</p><p class="MsoNormal"></p><p></p>
<h3 style="text-align: left;">What should I do with my check after I deposit it?</h3>
<p class="MsoNormal">It's recommended that you write a note on the original
document reminding you that the check has been deposited. Then, store the
document until you’ve confirmed it's been accepted. We recommend securely
holding on to your check for 30 days (or at least 7 days) after you deposit it
in case we need more details from you.</p>
<h3 style="text-align: left;">How will I know if my check was deposited?</h3>
<p class="MsoNormal">You’ll receive an email notification confirming that we’ve
received your deposit and another email when we’ve accepted it for processing.
Or you can view your Mobile Deposit History in the app. There you will be able to see your deposits pending,
failed, and those which have been accepted.</p><p class="MsoNormal"><o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEicvYjZWydSZ-4UnQ1Fuy6Us7CdyZVJSsfYvO8AdhOwd0LZ7gmHVFLpDJ57oke1ibAV-6weD8K8yO1u8gdtpMkoIRyFsCzaaJZXMcuOs1J97grdO3GGjD11sIS-3U-Mr9bobGJTGguS2_nmka2wxCJ8wJsxA2tm8A37P8GBMykLl3J2Y74luN6IL4xG=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEicvYjZWydSZ-4UnQ1Fuy6Us7CdyZVJSsfYvO8AdhOwd0LZ7gmHVFLpDJ57oke1ibAV-6weD8K8yO1u8gdtpMkoIRyFsCzaaJZXMcuOs1J97grdO3GGjD11sIS-3U-Mr9bobGJTGguS2_nmka2wxCJ8wJsxA2tm8A37P8GBMykLl3J2Y74luN6IL4xG=w400-h266" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><h3 style="text-align: left;">How do I get started?</h3>
<p class="MsoNormal">To get started with Mobile Deposit, download the FBOL mobile
app and enroll your checking or savings account(s). To use Mobile Deposit, you
must first be enrolled in Online Banking. Not enrolled in Online Banking? No problem!
Just go to <a href="https://www.fblake.bank/for-you/mobile-deposit">https://www.fblake.bank/for-you/mobile-deposit</a>
and click on the yellow Enroll Today button.
If you're already enrolled in Online Banking, just follow these
steps: <o:p></o:p></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Go to
the Apple Store or Google Play.<o:p></o:p></li>
<li class="MsoNormal">Search
for First Bank of the Lake or FBOL mobile.<o:p></o:p></li>
<li class="MsoNormal">Download
the FBOL mobile app.<o:p></o:p></li>
<li class="MsoNormal">Enter
your Online Banking User ID & follow the prompts. It’s that simple! </li></ul>
<h3 style="text-align: left;"><br /></h3><h3 style="text-align: left;">With Mobile Deposit, making a deposit on the go is a
snap! </h3>
<p class="MsoNormal">As your <a href=" https://www.fblake.bank/" target="_blank">hometown bank in Osage Beach</a>, we know your
time is valuable. You have better things
to do with your time than to make a trip to the bank every time you receive a
check. You also want to have access to
your money as quickly as possible, and you want your financial accounts and
information to be safe and protected. Having
the option of making a <a href=" https://www.fblake.bank/" target="_blank">Mobile Deposit at Lake of the Ozarks</a> makes
banking quick, easy, and secure. So, skip the trip and use Mobile Deposit today! For more information feel free to explore our
website at <span face=""Segoe UI Historic",sans-serif" style="background: white; color: #216fdb; font-size: 11.5pt; line-height: 107%;">https://www.fblake.bank/</span> or contact
us here at <a href=" https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>.
You can also follow us on social media to stay up to date on the latest
tips and information about <a href=" https://www.fblake.bank/" target="_blank">banking at the Lake of the Ozarks</a>.<o:p></o:p></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><p class="MsoNormal"><span face="arial, tahoma, helvetica, freesans, sans-serif" style="background-color: white; color: #606060; font-size: 14.85px; text-align: center;"><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span>(573) 348-2265</span> </p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178588151975781 -127.82482628220902 66.438330584802415 -57.512320917790987tag:blogger.com,1999:blog-1659367825640539124.post-50373858339154388792021-11-26T09:09:00.000-08:002021-11-26T09:09:16.109-08:00Using Online Bill Pay to Help You Save Time and Stay Organized!<p>Do you dread sitting down to pay your bills each month? Or worse, do you end up making your payments late because you forget when they are due? You are not the only one. At <a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>, we know
late payments not only come with late fees, but they can also hurt your credit
score. That is why we would like to tell
you about Online Bill Pay at First Bank of the Lake. </p><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEg0z3t8M3I-mHlw5-ul4QrwOuMrAv9KD4Eb9WQpzFm-51dZ6rA5cQs_uTlc5fRQpCkqY80vY9WIcQmIwNBveytsAu3GtRLh-ywoQxLnlgGbfe05lAQqUL-uPAAGnrWaOj-nU4YwWOlxn08IOOePgRrSQ1Q8qFx14zFcc39szvGtGZSntwEW9HT6pYlf=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEg0z3t8M3I-mHlw5-ul4QrwOuMrAv9KD4Eb9WQpzFm-51dZ6rA5cQs_uTlc5fRQpCkqY80vY9WIcQmIwNBveytsAu3GtRLh-ywoQxLnlgGbfe05lAQqUL-uPAAGnrWaOj-nU4YwWOlxn08IOOePgRrSQ1Q8qFx14zFcc39szvGtGZSntwEW9HT6pYlf=w400-h266" width="400" /></a></div></div><p></p><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Online Bill Pay is a fast, easy, and secure way to pay all
your bills in one place using your <a href="https://www.fblake.bank/" target="_blank">checking account at Lake of the Ozarks</a>.
Pay your bills manually when they are
due or set up automatic recurring payments.
You can even send money to friends and family. If you would learn how to use this time-saving
tool to pay your bills and send money securely online from your hometown <a href="https://www.fblake.bank/" target="_blank">bank at Lake of the Ozarks</a>, read on! </p>
<h3 style="text-align: left;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhD-GA8tcUEjWq1yGMAFik-exB2PKIS_8k9jPim73FIm9wMs21n3PH8IxKumFQ2xlgI-QQ6sreGHBkxEhOFhla0-X7YSwPFbTQR0fJwc_Vj212xkyujWVvsWKI2w99b2Fkxo3zqsflFssqzJmaY32jnzcfQXLW2jTVEdaQV22yBcTbY9cuEBEuogjDG=s1000" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEhD-GA8tcUEjWq1yGMAFik-exB2PKIS_8k9jPim73FIm9wMs21n3PH8IxKumFQ2xlgI-QQ6sreGHBkxEhOFhla0-X7YSwPFbTQR0fJwc_Vj212xkyujWVvsWKI2w99b2Fkxo3zqsflFssqzJmaY32jnzcfQXLW2jTVEdaQV22yBcTbY9cuEBEuogjDG=w400-h266" width="400" /></a></div>Online Bill Pay at First Bank of the Lake is a powerful,
complete payment system that's secure and easy to use. And, it's FREE! With Online Bill Pay you can … </h3><h3 style="text-align: left;"></h3><div><br /></div><ul style="margin-top: 0in;" type="disc"><li class="MsoNormal">Easily
add companies and people to pay virtually anyone.<o:p></o:p></li>
<li class="MsoNormal">Set
email reminders that can notify you when a bill is ready to be viewed or
when it's due. <o:p></o:p></li>
<li class="MsoNormal">Take
advantage of automatic, recurring payments that work best for your payment
schedule and financial routine.<o:p></o:p></li>
<li class="MsoNormal">Avoid
the stress of late fees by making same-day or next-day payments. (Fees
apply for expedited payments). <o:p></o:p></li>
<li class="MsoNormal">Stay
organized with convenient eBills.<o:p></o:p></li>
<li class="MsoNormal">Group
similar payments like utilities, cable, and phone into categories.<o:p></o:p></li>
<li class="MsoNormal">Request,
receive or send payments to anyone in the U.S. with our convenient
Popmoney® service.</li></ul><h3 style="text-align: left;"></h3><h3 style="text-align: left;">We are Here For You.</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">If you have any questions about online banking, our secure messaging center helps you get answers to any
questions you might have.</p>
<h3 style="text-align: left;">Need to make sure you made a payment?</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Your bill history is right at your fingertips. You can
search for past payments by company, date, and status, the moment you need an
answer, wherever you are.</p><p></p>
<h3 style="text-align: left;">Getting started is simple. So, give it a try and see how
much time it saves you!</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">As a bank that was founded with a mission to put your first,
we are very excited to offer <a href="https://www.fblake.bank/" target="_blank">Online Bill Pay at Lake of the Ozarks</a>. Not only does it make paying your bills on time
a breeze, it makes it so much easier to keep track of where your money is going,
when your bills are due, and to know when they are paid. You don’t have to worry about stamps and envelopes,
you don’t have to go to the post office, and you don’t have to take notes and keep
records. All that is done for you. <o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiYz6xrarXMDEpW0GWs1V63LX_X2kuCXPh89-IypwdVYJPcteopTaJrFBrDdwepYHgUefd17ZyMHsn30em_kDl8yaa-xcJSwQY8myS3eIg1KQnTz1Ieph_ToqnB1RxBG9QAKnI-6h8aerjrsVwAkcufGfnqPhRa_IvwxOqx4Qdu8BK68qnsdypDqPN2=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEiYz6xrarXMDEpW0GWs1V63LX_X2kuCXPh89-IypwdVYJPcteopTaJrFBrDdwepYHgUefd17ZyMHsn30em_kDl8yaa-xcJSwQY8myS3eIg1KQnTz1Ieph_ToqnB1RxBG9QAKnI-6h8aerjrsVwAkcufGfnqPhRa_IvwxOqx4Qdu8BK68qnsdypDqPN2=w400-h266" width="400" /></a></div><p></p>
<p class="MsoNormal">If that sounds like the solution you have been looking for,
you can get started, go to <a href="https://www.fblake.bank/for-you/bill-pay">https://www.fblake.bank/for-you/bill-pay</a>
and click on the Enroll Now button. Or, you can go to <a href="https://www.fblake.bank/education-center">https://www.fblake.bank/education-center</a>
to view a video for more details. To
keep up with all the latest banking news and information from your <a href="https://www.fblake.bank/" target="_blank">local bank in Osage Beach</a>, follow us on social media using the links below.<o:p></o:p></p><p class="MsoNormal"><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><p class="MsoNormal"><span face="arial, tahoma, helvetica, freesans, sans-serif" style="background-color: white; color: #606060; font-size: 14.85px; text-align: center;"><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span>(573) 348-2265</span> </p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178588151975781 -127.82482628220902 66.438330584802415 -57.512320917790987tag:blogger.com,1999:blog-1659367825640539124.post-41980165913142989802021-11-16T08:06:00.001-08:002021-11-19T11:14:04.711-08:00 What to Do If Your Debit Card Is Lost or Stolen<p>At <a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>, we know it is a terrible feeling
when you realize you can’t find your debit card, or worse if you discover it
has been stolen. Hopefully, it never
happens to you, but if it does, it is good to know ahead of time just what
actions you should take to be safe. By
acting quickly, you can limit your financial liability in the event that
someone tries to use your card and access your account. If you would like to know what to do if your
card is lost or stolen, read on!</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhFz30c-kcmsDIdgcOBEWsVT_CbKbpTqGbJ9kctYJ16xpT_1LeQvr-uZm8_h9x5wWSxGaM283YJQAcIfHoNO8nWWfHafbNFtrwxxLZArZ0_0vo0N_iduNkIucVUtmapjucz4wi865BVr02I03h827JhrMOnAQlMpAc6YeL8jq8Fie-0XCdPThqD35V4=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="749" data-original-width="1000" height="300" src="https://blogger.googleusercontent.com/img/a/AVvXsEhFz30c-kcmsDIdgcOBEWsVT_CbKbpTqGbJ9kctYJ16xpT_1LeQvr-uZm8_h9x5wWSxGaM283YJQAcIfHoNO8nWWfHafbNFtrwxxLZArZ0_0vo0N_iduNkIucVUtmapjucz4wi865BVr02I03h827JhrMOnAQlMpAc6YeL8jq8Fie-0XCdPThqD35V4=w400-h300" width="400" /></a></div>
<h3 style="text-align: left;">Step 1 – Contact Your Bank</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Calling quickly to report the issue is key. If your debit card
from <a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake </a>is lost or stolen, immediately call
800.417.8715, 24 hours a day, 7 days a week. Otherwise, let your bank or issuer
of your debit card know that your card is missing. If you notice a purchase or withdrawal you
did not authorize, report that as soon as you realize it. Once you have reported the loss or theft, you
cannot be held liable for any purchases or withdrawals after that point according
to federal law. If you have CardValet from First Bank of the Lake, you can lock
your card with your phone app as soon as you realize it is missing. You can go to <a href="https://www.fblake.bank/for-you/card-valet">https://www.fblake.bank/for-you/card-valet</a>
to learn more about CardValet and all the handy features that come with it.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhqgb8tOplI1hPG4ugsWboXfueL-qHiXsDum-Duq7gjJcJFgAPsSyDhjXUj2haqRcKulrAYmNQdsmVgWJ1sWDPDQQg2_DwIUOJkww1XTQWI0eSBlq5_l35x-vMSGhh5rT3jtLV6ZEIv2Z7Kb9-spceYza5oc_QnRmLVVwvteWxNfuSwxgxzNlBe44WG=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEhqgb8tOplI1hPG4ugsWboXfueL-qHiXsDum-Duq7gjJcJFgAPsSyDhjXUj2haqRcKulrAYmNQdsmVgWJ1sWDPDQQg2_DwIUOJkww1XTQWI0eSBlq5_l35x-vMSGhh5rT3jtLV6ZEIv2Z7Kb9-spceYza5oc_QnRmLVVwvteWxNfuSwxgxzNlBe44WG=w400-h266" width="400" /></a></div>
<h3 style="text-align: left;">Step 2 - Monitor Transactions</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">You will want to review your bank statements and account
transactions promptly and regularly to carefully confirm debit card transactions,
payments, and other transaction data. Again,
if you find anything you did not authorize, report it immediately. Also, keep in mind, that with the CardValet
App, you are able to see a real-time list of all your transactions and can set
alerts to notify you when a purchase is made.
<o:p></o:p></p>
<p class="MsoNormal">In addition, our <a href="https://www.fblake.bank/" target="_blank">bank in Osage Beach</a> offers Kasasa
Protect. It is a comprehensive and
affordable service that comes with 24/7 monitoring, identity restoration
services, and more! It also includes Lost Wallet Protection which allows you to
take care of canceling and replacing all your important documents through one point
of contact. Restoration through your agent includes your cards, licenses,
social security cards, insurance cards, passports, military IDs, and even
traveler’s checks. You can see more details
about Kasasa Protect by going to <a href="https://www.fblake.bank/for-you/kasasa-protect">https://www.fblake.bank/for-you/kasasa-protect</a>
on our website.</p>
<h3 style="text-align: left;">Step 3 - Cancel Automatic Payments </h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">If you have automatic payments set up using the lost or
stolen debit card, you will want to have those canceled. Once you deactivate your
card those payments will not go through, and you don’t want to have the added
stress of making late payments or damaging your credit. You will have to set up
an alternative payment method until you get a new card issued.</p>
<h3 style="text-align: left;">Step 4 - Follow Up in Writing</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">The next step is to follow up in writing with your bank. Give them your account number, the date and
time you first knew your card was missing, as well as when and how you reported
it. Send it by certified mail and request a return receipt. It is important for you to keep good records
throughout this situation. Write down the
dates when you send letters or make phone calls, who you send it to or talk to,
and the information shared. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiUiZKkVj1r1yaSMeXpdFhVTQoRZ1okRmWlCdDHhS0WG4KAIK24lMcu8mk-fylNTdN4yHxMr459qPSAWg2J0Z43HKHrTZESw08MwfVNjcNOBjThgc_1ZkR5xQtnBqmpnPIkrdDjA-5ZRcnk20TEGrlPRdMfSAnoBno6Zh-Iaf4EprcJIRjO7QO0UYlF=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEiUiZKkVj1r1yaSMeXpdFhVTQoRZ1okRmWlCdDHhS0WG4KAIK24lMcu8mk-fylNTdN4yHxMr459qPSAWg2J0Z43HKHrTZESw08MwfVNjcNOBjThgc_1ZkR5xQtnBqmpnPIkrdDjA-5ZRcnk20TEGrlPRdMfSAnoBno6Zh-Iaf4EprcJIRjO7QO0UYlF=w400-h266" width="400" /></a></div>
<h3 style="text-align: left;">Step 5 - Know Your Responsibility</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">The sooner you act, the less responsibility you will bear if
your card is used fraudulently. That is
why it is so important to report the loss or theft immediately. If you report it before someone uses your
card, you are not liable for any unauthorized transactions. If someone uses your card before it is
reported, your responsibility will be determined by how quickly you reported
it. If you do so within 2 business days of discovering the loss or theft your maximum
loss will be $50. If you report it
between 3 business days and 60 calendar days your loss is limited to $500. If not reported until after 60 calendar days,
you are responsible for all the transactions made with that card. If unauthorized
transactions are made but your card is not lost, as long as you report it
within 60 days of your statement being sent to you, you will not be liable.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhosCTZjznPBL-fpUacGCSHp1_HFHdS5vGdalimkzgtM4b3aTArqMsb-tlWwF_GDL4ayk1cLInqtFtQp0yrxBl9rKdsC2aZcVGlaDkxRrw4mBGuxbtiss1pioSZa2xTUZ0z3HZOSYpVP-zYakm8w9Xk0vdsLUkqg4yd6Nyj5RU5eX3d6JLtgYwLE83I=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEhosCTZjznPBL-fpUacGCSHp1_HFHdS5vGdalimkzgtM4b3aTArqMsb-tlWwF_GDL4ayk1cLInqtFtQp0yrxBl9rKdsC2aZcVGlaDkxRrw4mBGuxbtiss1pioSZa2xTUZ0z3HZOSYpVP-zYakm8w9Xk0vdsLUkqg4yd6Nyj5RU5eX3d6JLtgYwLE83I=w400-h266" width="400" /></a></div>
<h3 style="text-align: left;">Your Hometown Bank is Here for You!</h3><p class="MsoNormal">We know that discovering your debit card is lost or stolen is
scary and your first instinct may be to panic.
As your <a href="https://www.fblake.bank/" target="_blank">hometown bank at Lake of the Ozarks</a>, we want to help you
get through it as quickly and easily as possible without it becoming a
financial liability for you. If you have
any questions about how <a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a> can help you before,
during, and after the loss of your debit card, give us a call or see more details
on our website. For more helpful tips
and information regarding <a href="https://www.fblake.bank/" target="_blank">banking at the Lake of the Ozarks</a>, feel free
to subscribe to our social medial channels using the convenient links below!</p><p class="MsoNormal"><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><p class="MsoNormal"><span style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span>(573) 348-2265</span> </p><p class="MsoNormal"><o:p></o:p></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178588151975781 -127.82482628220902 66.438330584802415 -57.512320917790987tag:blogger.com,1999:blog-1659367825640539124.post-88143621014796247782021-11-10T06:25:00.003-08:002021-11-12T11:21:25.935-08:00 Keeping Your Bank Account Safe – Staying on the Look Out for Scammers<p>Online crime is on the rise as more of us are spending our
time and managing our money online. Most
of us believe we would recognize a scam if we saw one, but you would be
surprised how many people fall victim to online fraud and identity theft each
year. It is always good to be reminded
of what to look out for so you can be proactive and protect your personal information
and your bank accounts. If you are interested
in staying safe online and keeping your information out of the hands of
scammers, <a href="https://www.fblake.bank/ " target="_blank">F</a><a href="https://www.fblake.bank/ " target="_blank">irst Bank of the Lake</a> hopes you find this blog helpful! </p><p class="MsoNormal"><o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiBS0I0N9R6rtYVony0Tif-bOOUEao1E2fgxyavx2upLJDeb9N9EWn3lMFLwfeKSXCtZYYG_6bVDmq7f1_YU6NmI5eAnPkepbX8kzuJSBPr4ACm4N8ZvqLjVMrMs8-o6lYl2ChyVi3vuWAlrEPsw95nBQ-KY6-1owpiHciyFQLfn6PKqXIATdjiiRKj=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="709" data-original-width="1000" height="284" src="https://blogger.googleusercontent.com/img/a/AVvXsEiBS0I0N9R6rtYVony0Tif-bOOUEao1E2fgxyavx2upLJDeb9N9EWn3lMFLwfeKSXCtZYYG_6bVDmq7f1_YU6NmI5eAnPkepbX8kzuJSBPr4ACm4N8ZvqLjVMrMs8-o6lYl2ChyVi3vuWAlrEPsw95nBQ-KY6-1owpiHciyFQLfn6PKqXIATdjiiRKj=w400-h284" width="400" /></a></div><br /><p></p>
<h3 style="text-align: left;">Stop and Think</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">The scammer’s whole purpose is to get you to share
information with them that can be used to access your bank account or steal your
identity. Any time someone contacts you
and then asks you to provide personal information, stop and think. Just taking a moment to pause can save you
from a huge headache or financial loss.
It is OK to be suspicious.
Scammers can reach out to you using names and even branding and logos
that appear legit. The phone number may appear
to come from the bank, the email address may be very similar, they may even be
using the name of an actual employee. </p><p class="MsoNormal">But your hometown <a href="https://www.fblake.bank/ " target="_blank">bank in Osage Beach</a> will never initiate communication
with you and then ask you to provide any personal information related to your
account via phone, text, email, etc. If
anyone asks you to provide sensitive information and you did not initiate the contact
– stop and think. Do not provide them
with any of the information they are asking for. Do not click on any link or open attachments
you are not expecting or that are from a source with which you are not familiar.
<o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiACTWiU1ZcBtn-TCnU7ATfpk8AzQxbYEMWF0BBow8P1fVM-pAoiSfLciurMcnAlzIvj9RnAXVXr7PVCkuyT9usow3fFC2e7zNWv7kvXRd4pUpDPmuD5LILIf-3m_sn8ZB9eK-2STx_zF4Dy-NP43cahUCi1Im3bowmcvBx6i3BcFIIkiDyku9ie4XT=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEiACTWiU1ZcBtn-TCnU7ATfpk8AzQxbYEMWF0BBow8P1fVM-pAoiSfLciurMcnAlzIvj9RnAXVXr7PVCkuyT9usow3fFC2e7zNWv7kvXRd4pUpDPmuD5LILIf-3m_sn8ZB9eK-2STx_zF4Dy-NP43cahUCi1Im3bowmcvBx6i3BcFIIkiDyku9ie4XT=w400-h266" width="400" /></a></div><h3>Examples</h3><p class="MsoNormal"><o:p></o:p></p><p class="MsoNormal"><o:p></o:p></p><p class="MsoNormal">The techniques people will use to try to access someone’s bank account are numerous. But just to give you an idea, here are a few examples. Scammers will pretend to be from a technology company and want to help you fix a non-existent problem with your computer. They then convince you to give them remote access to your computer to correct the issue, which can also give them access to your personal information. </p><p class="MsoNormal">Similarly, an imposter may represent themselves as a bank employee and inform you that some situation needs to be corrected, they just need to get your confirmation code or other information, or they need to transfer money out of your account. </p><p class="MsoNormal">Some online crooks will even act like they are a family member in distress with some emergency for which they need cash right away. They may say they have a medical emergency or need bail money or are stranded somewhere dangerous, and they need help. This one is nicknamed the “grandparent scam” and often the person begs the grandparent not to tell the grandchild’s parent.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiLQ4pK1Ffn5fnBS90yZpZ6N-cl5TeBXnM3ty-TRmAwRst7_2nSQZmQ5HcwHNaUpI4X4KAseFPKJpLMGdi2qVGcO6PYc1w7QDmq7nwM7M0fUU7Or7zstNA_ybisd8J1XYjUghG-PA6aAyk_7ibB9ebPSYhma-dLbcvdWuXjbgOnzgxMx-CFb3TVuFzB=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEiLQ4pK1Ffn5fnBS90yZpZ6N-cl5TeBXnM3ty-TRmAwRst7_2nSQZmQ5HcwHNaUpI4X4KAseFPKJpLMGdi2qVGcO6PYc1w7QDmq7nwM7M0fUU7Or7zstNA_ybisd8J1XYjUghG-PA6aAyk_7ibB9ebPSYhma-dLbcvdWuXjbgOnzgxMx-CFb3TVuFzB=w400-h266" width="400" /></a></div>
<h3 style="text-align: left;">End Communication</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">If someone reaches out to you, and you did not initiate any
communication with them first, question the situation. If they are claiming to be from your local <a href="https://www.fblake.bank/ " target="_blank">bank at Lake of the Ozarks</a><b> </b>and are asking you for personal information, the best
thing to do is end the communication immediately. Then call First Bank using the number you
already have for us and let us know what happened. Even if you have specific business with the
bank like being in the process of applying for a loan, it is good to pause and
question if you receive an email, phone call, or text that you are not
expecting. Just a simple phone call to
verify it is coming from your contact person is worth the time.</p>
<h3 style="text-align: left;">Remember</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">First Bank will not initiate communication with you and then
ask you to give us any of the following.
<o:p></o:p></p>
<p class="MsoNormal">*Social Security Number<o:p></o:p></p>
<p class="MsoNormal">*Online Banking Secret Word or Password<o:p></o:p></p>
<p class="MsoNormal">*PIN number<o:p></o:p></p>
<p class="MsoNormal">*One-time passcode you receive<o:p></o:p></p>
<p class="MsoNormal">*3-Digit Security Code or expiration date on debit or credit cards<o:p></o:p></p>
<p class="MsoNormal">*Passwords</p><h3 style="text-align: left;">Keeping Your Bank Account Safe!</h3>
<p class="MsoNormal">At our hometown <a href="https://www.fblake.bank/ " target="_blank">bank in Osage Beach</a>, we want to help
you keep your hard-earned money safe and your identity private. If you are ever concerned that someone may be
attempting to scam you, access your account, or obtain your personal
information, please call First Bank at the number below, or email us at <a href="mailto:info@fblake.bank">info@fblake.bank</a>. You can also call the number on the back of
your debit card. </p><p class="MsoNormal">We are here for you and
happy to help you. If you would like further peace of mind when it comes to your
bank account and personal identity, ask us about <a href="https://www.fblake.bank/for-you/kasasa-protect" target="_blank">Kasasa Protect</a> and the <a href="https://www.fblake.bank/for-you/card-valet" target="_blank">CardValetApp</a> offered at <a href="https://www.fblake.bank/ " target="_blank">First Bank of the Lake</a>! For more tips and information
about <a href="https://www.fblake.bank/ " target="_blank">banking at the Lake of the Ozarks</a>, be sure to follow us on social
media using the channels below. <o:p></o:p></p><p class="MsoNormal"><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-83648870610606032752021-11-04T21:58:00.001-07:002021-11-14T11:06:04.656-08:00SBA Loans - Our Team Partnering with You to Finance Business Growth!<p>We know having the right banking partner is essential to the
success of your business. <a href="https://www.fblake.bank/for.../sba-small-business-loans" target="_blank">First Bank of the Lake</a><b> </b>was founded to meet the needs of the local community and is
proud to be an <a href="https://www.fblake.bank/for.../sba-small-business-loans" target="_blank">SBA Preferred Lender</a>. <span style="background: white;">That is because when a bank or financial institution has a
“Preferred Lender” status, they have the authority to make final credit
decisions on SBA-guaranteed loans. This means lending decisions are driven by
our team of banking professionals who understand your business and are
inspired to employ our creativity, understanding, experience, and expertise to
build the right solution for you.</span> </p><p>In today’s blog, we thought we would
focus on some of the features of First Bank of the Lake’s SBA programs, our
lending process, and our free loan consultations. If you are interested in learning more about what
it is like to partner with First Bank of the Lake for your SBA loan needs, read
on! This blog is for you. </p><p class="MsoNormal"><span style="background: white; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p></o:p></span></p><div class="separator" style="clear: both; text-align: center;"><span style="background: white; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiolKyKpYMZs1FtTyei98dfQTEyz6-aPXjmRUSDQdUqsx8uy_yq97i7Hb_51R-YYc81ZPrP5sj3445MtWRcWYRuXb524_6PfPUPNPFBQaH_DWbVjqSk9EOF17DaQT8cQ4Cy-KpFVEt9Xj_CL8oy5hd1xdOB15je5w-FoOMgIP5YGTz54zsh_Sm1-9_f=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEiolKyKpYMZs1FtTyei98dfQTEyz6-aPXjmRUSDQdUqsx8uy_yq97i7Hb_51R-YYc81ZPrP5sj3445MtWRcWYRuXb524_6PfPUPNPFBQaH_DWbVjqSk9EOF17DaQT8cQ4Cy-KpFVEt9Xj_CL8oy5hd1xdOB15je5w-FoOMgIP5YGTz54zsh_Sm1-9_f=w400-h266" width="400" /></a></span></div><p></p>
<h3 style="text-align: left;">Features of First Bank’s SBA 7(a) & 504 programs:</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">At First Bank of the Lake, our SBA 7(a) & 504 programs
offer some very attractive features for business loans. One feature is longer terms for cash flow
enhancement. Another is low down payment
requirements. These programs also
feature increased liquidity for next opportunities, and a streamlined
underwriting and closing process. In addition, when you choose First Bank of the
Lake as your SBA lender you will enjoy quick responses, flexible options,
experienced underwriters, and fast closing.</p><p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEilos5662Lb5Gtp18i_d40LKmw82tn1aGKxwmN22f49Iiph5oScIFX_QjysnI4bJZRYJ_DS_2yrEpUAfrissvM32cRBfwrdbsFTcBqKrH4SWCMpDMki4FguNE2w0YlsRPRUKcVwTahqcXGcl8xHZQdpjzkejsLV0Yhc_wWN-TErj0Otr8SivqENXuQs=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEilos5662Lb5Gtp18i_d40LKmw82tn1aGKxwmN22f49Iiph5oScIFX_QjysnI4bJZRYJ_DS_2yrEpUAfrissvM32cRBfwrdbsFTcBqKrH4SWCMpDMki4FguNE2w0YlsRPRUKcVwTahqcXGcl8xHZQdpjzkejsLV0Yhc_wWN-TErj0Otr8SivqENXuQs=w400-h266" width="400" /></a></div><p></p>
<h3 style="text-align: left;">OUR LENDING PROCESS:</h3><p class="MsoNormal"><o:p></o:p></p>
<h3 style="text-align: left;">Lending Partner</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Your relationship with an experienced SBA Preferred Lender
begins with clear and open communication.
We learn about your goals and the challenges you face. While every business is unique, we will
provide innovative solutions based on decades of experience helping business
owners just like you. Every loan request begins with understanding your business,
your project, and your objectives. This
knowledge helps us expedite the loan process for you. <o:p></o:p></p>
<h3 style="text-align: left;">Underwriting Phase</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">During the underwriting phase, we carefully review your
project. We will review your business and
personal financial information, the use of requested loan proceeds, any collateral
offered, as well as special conditions unique to your situation. This detailed due diligence helps us reach
our goal of providing you with a quick credit decision. If everything lines up, you will have a loan
approval within a matter of days. <o:p></o:p></p>
<h3 style="text-align: left;">Loan Closing Phase</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">After your loan is approved, your dedicated closing team
works with you to coordinate every last detail.
Our closing experts ensure all closing conditions are satisfied and all documentation
is properly prepared. During the loan closing phase, we all share a common
goal; to get your loan closed in a timely manner. <o:p></o:p></p>
<h3 style="text-align: left;">On-Going Service </h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Our commitment to the success of your business does not end
when the loan closes. We’re here to
provide ongoing support and to do what we can to facilitate the growth and success
of your business. Our team is available
to offer consultation and guidance as needed.
This ongoing communication is unique to the SBA industry and is a resource
our clients find invaluable.</p>
<h3 style="margin-left: 0.5in; text-align: left; text-indent: -0.5in;">Loan Consultations:</h3><p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.5in;"><o:p></o:p></p>
<p class="MsoNormal">Our lenders will work with you through the entire process
starting with a free loan consultation.
During this consultation, you will be able to discover your options and review the
approval process. We will learn
about your unique business and your goals, and talk about how to structure
financing that will meet your business needs.
All you have to do to schedule your consultation is to go to <a href="https://loans.firstbanklake.com/sba-loan-consultation/">https://loans.firstbanklake.com/sba-loan-consultation/</a>
and fill out the form!</p><p class="MsoNormal"><br /></p>
<h2 style="text-align: left;"></h2><h3 style="text-align: left;">You Specialize in Business, We Specialize in Business
Financing!</h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhN67ecoPolcjkD42ggqIiR4B6-uAGhTgoU0WfHNdeZaMwLnatg9gWyRGVQjzBHjEPxE3qQRJv_MM1Q5fk41jS2aGn06DE7AI6YLX5cPePvNatd1phRxaA4QoyUEOwgTWXCx7cwTuyYNnJ0Mt1sFQqbIIdDCIdRnFcicY2sZyedEEvxdKPGZbpElI5l=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1000" height="251" src="https://blogger.googleusercontent.com/img/a/AVvXsEhN67ecoPolcjkD42ggqIiR4B6-uAGhTgoU0WfHNdeZaMwLnatg9gWyRGVQjzBHjEPxE3qQRJv_MM1Q5fk41jS2aGn06DE7AI6YLX5cPePvNatd1phRxaA4QoyUEOwgTWXCx7cwTuyYNnJ0Mt1sFQqbIIdDCIdRnFcicY2sZyedEEvxdKPGZbpElI5l=w400-h251" width="400" /></a></div><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Have you been thinking about <a href="https://www.fblake.bank/for.../sba-small-business-loans" target="_blank">purchasing an existing business or franchise</a>?
Are you an entrepreneur who sees a need for a product or service, and has
an idea for a business that meets that need?
Do you have a small business that you have nurtured to the point it is
ready to expand or grow? At <a href="https://www.fblake.bank/for.../sba-small-business-loans" target="_blank">First Bank of the Lake</a>, our goal is to support your vision with financing that
makes good business sense. We are more
than just lenders. We are your lending
partners. In the same way that you dedicate
your heart, time, and ideas to your business and your vision for its future, we
focus our resources on helping businesses understand the myriad of options available
to them. We believe educating you on how each option
will affect things like cash flow, taxes, operations, and overall competitiveness
is important for you to be able to make the best decision. <o:p></o:p></p>
<p class="MsoNormal">If you are looking to start, expand, or purchase an existing
business, we are here to give you the information you need to make an informed
decision. If you want an <a href="https://www.fblake.bank/for.../sba-small-business-loans" target="_blank">SBA lender</a> that takes a consultative approach and partners with
you to structure the financing you need to help grow your business and achieve
success, we are able and ready to be that partner. Schedule your consultation today! For more banking tips and helpful information
about <a href="https://www.fblake.bank/for.../sba-small-business-loans" target="_blank">banking at the Lake of the Ozarks</a>, be sure to follow us on social
media using the channels below!<o:p></o:p></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-47621972591875830542021-10-29T11:43:00.000-07:002021-10-29T11:43:49.253-07:00Using Financial Calculators to Build a Good Financial Foundation (Part Two)<p>We hope you enjoyed last week’s blog on Financial Calculators and what
a useful tool they can be when making important financial decisions. It is hard
to know if you should choose a 15-year or 30-year mortgage until you can
actually look at the numbers and understand what difference that makes in your monthly
payment amount and in the total interest you will pay on the loan. Amortization can be complicated, and many
financial questions may require some specific math formulas to answer. </p><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">As a local <a href=" https://www.fblake.bank/" target="_blank">bank at Lake of the Ozarks</a><b> </b>focused on the needs
of our local clients, we believe making good financial decisions happens easier
when you are fully informed and educated.
That is why<a href=" https://www.fblake.bank/" target="_blank"> First Bank of the Lake</a> is so proud to offer the
multitude of financial calculators on our website under the Resources tab. This week, we will talk about several
calculators related to mortgages. We
will also introduce you to calculators for figuring how long your retirement savings
will last you, how much you will owe in income tax, and lots of tools to help
you determine ways to set and meet savings goals. If you would like to know
more about how to have instant access to the answers to these kinds of
financial questions, keep reading this blog!
We think you will be blown away by the tools you have available to you at
<a href=" https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>.</p><p class="MsoNormal"><o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjSrZQOpcY0h00NWKv0ztUyJhjfs7GKdS43jrbfUieaPhEMu3aUwlkkXZ3kNIANG5Pyr3k5ujKanxNj4Yv6Yzg-su0-FXwQMUd99-KmjQTy2fakB2i5xNqje82w7Ismen3X40vYORPsc_G_nXtqmq5cRo1_l352j5OKPvVTKdUiPWf0R3sHJxSE40ce=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEjSrZQOpcY0h00NWKv0ztUyJhjfs7GKdS43jrbfUieaPhEMu3aUwlkkXZ3kNIANG5Pyr3k5ujKanxNj4Yv6Yzg-su0-FXwQMUd99-KmjQTy2fakB2i5xNqje82w7Ismen3X40vYORPsc_G_nXtqmq5cRo1_l352j5OKPvVTKdUiPWf0R3sHJxSE40ce=w400-h266" width="400" /></a></div><br /><br /><p></p>
<h3 style="text-align: left;">Mortgage Qualifier</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">The first step in buying a house is
determining your budget. The mortgage qualifier calculator takes the guesswork
out by stepping you through the process of finding out how much you can borrow.
You can calculate your mortgage qualification based on income, purchase price, or total monthly payment.</span></p><div class="separator" style="clear: both; text-align: center;"></div><o:p></o:p><p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<h3 style="text-align: left;">Mortgage Loan</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Use this mortgage calculator to
determine your monthly payment and generate an estimated amortization schedule.
Quickly see how much interest you could pay and your estimated principal
balances. Enter prepayment amounts to calculate their impact on your mortgage.</span><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<h3 style="text-align: left;">Refinance Savings Calculator</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">How much interest can you save if
you refinance your mortgage? The Should I Refinance Calculator helps you find
out. Enter the specifics about your current mortgage, along with your current
appraised value, new loan term, rate, and closing costs. The calculator will
determine how much interest refinancing can save you and if you should
refinance your mortgage. In addition, it will calculate the number of months to
break even on closing costs with your reduced monthly payment.</span><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<h3 style="text-align: left;">Bi-weekly payments</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">This calculator shows you possible
savings by using an accelerated biweekly mortgage payment. Biweekly payments
accelerate your mortgage payoff by paying 1/2 of your normal monthly payment
every two weeks. By the end of each year, you will have paid the equivalent of
13 monthly payments instead of 12. This simple technique can shave years off
your mortgage and save you thousands of dollars in interest. <o:p></o:p></span></p>
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEg61gI21GzaA-9p93AEpU5UekPqNT9dTj1rV54kxKBP2rWjoq3NU3CkgJqF66AwPVuSfeCTHozw9qeuMyIBmdXRXOr5U6oCXvaFkGh_xXlQu7NP8bMfR_bGkhxSqlR-T72KdRoeiblcgQh-nB3sECOnjLeUdJ3ryoJTg3-j7hhsAQ_NzOupUtKlGbqn=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="599" data-original-width="1000" height="240" src="https://blogger.googleusercontent.com/img/a/AVvXsEg61gI21GzaA-9p93AEpU5UekPqNT9dTj1rV54kxKBP2rWjoq3NU3CkgJqF66AwPVuSfeCTHozw9qeuMyIBmdXRXOr5U6oCXvaFkGh_xXlQu7NP8bMfR_bGkhxSqlR-T72KdRoeiblcgQh-nB3sECOnjLeUdJ3ryoJTg3-j7hhsAQ_NzOupUtKlGbqn=w400-h240" width="400" /></a></div><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> </o:p></span><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"></span></p>
<h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Rent v. Buy Calculator</span></h3>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Should you rent or should you buy
your home? It takes more than looking at your mortgage payment to answer this
question. The Home Rent vs. Buy calculator helps you weed through the fees, taxes,
and monthly payments to help you make a decision between these two options.
This report is based on the original purchase price, fees, and taxes payable at
that time. Insurance and tax costs can fluctuate from year to year.<o:p></o:p></span></p>
<h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> <br /></o:p></span><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Mortgage Comparison</span></h3>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Determining which mortgage term is
right for you can be a challenge. With a shorter 15-year mortgage, you will pay
significantly less interest than a 30-year mortgage - but only if you can
afford the higher monthly payment. Use this calculator for a comparison of a 15
vs. 30-year mortgage.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Retirement Plan Calculator</span></h3>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Do you know what it takes to work
towards a secure retirement? Use this calculator to help you create your
retirement plan. View your retirement savings balance and your withdrawals for
each year until the end of your retirement. Social Security is calculated on a
sliding scale based on your income. Including a non-working spouse in your plan
increases your Social Security benefits up to, but not over, the maximum.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Savings</span></h3>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">The list of calculators to help you
with savings goals is quite extensive.
What would you save if you brought your lunch rather than eating out during
the workweek? How long would it take to
save a million dollars? Or if you want
to accumulate $10,000 in 5 years, how much would you have to save per month?
How will your savings be affected by taxes and inflation? All these questions and more can be answered
using the calculators available under the Savings tab. <o:p></o:p></span></p><p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjBfsLRGN0jAPJwm8ttqMiL65WvR0xHQ9gIdTFZ5R2yljvxzLiHqts99OQoe1YBYSmqd_JRy4fSova8VCbYYpDUTC-yyLLVMF9LjGNdsYwMir5sQGDZUxK--Fm1PF9N38OEzHLrrzhFYqD9LHyo5tc08r_iHeexzSwT4jMW9LrFYZr_7vZXcsF2WJ7H=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEjBfsLRGN0jAPJwm8ttqMiL65WvR0xHQ9gIdTFZ5R2yljvxzLiHqts99OQoe1YBYSmqd_JRy4fSova8VCbYYpDUTC-yyLLVMF9LjGNdsYwMir5sQGDZUxK--Fm1PF9N38OEzHLrrzhFYqD9LHyo5tc08r_iHeexzSwT4jMW9LrFYZr_7vZXcsF2WJ7H=w400-h266" width="400" /></a></div><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><br /></span><p></p>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">1040EZ Tax Calculator</span></h3>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">The 1040EZ is a simplified form
used by the IRS for income taxpayers that do not require the complexity of the
full 1040 tax form. Simply select your tax filing status and enter a few other
details to estimate your total taxes. Based on your projected tax withholding
for the year, we then show you your refund or the amount you may owe the IRS
next April.</span> There is also a
calculator for marginal tax and a standard 1040 Tax Calculator. <o:p></o:p></p>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> </o:p></span></p><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p></o:p></span></p><h3 style="background: white; line-height: normal;"><span style="color: #343a40; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Financial calculators for all your financial needs.</span></h3>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">All the calculators we have
described, and more, are available on our website. We encourage all our clients to see what is
available and use the resources offered to inform their financial decisions. It is easy to assume you are better off <a href=" https://www.fblake.bank/" target="_blank">buying a home at Lake of the Ozarks</a> rather than renting, but that isn’t always the
case. It can feel like a 15-year mortgage is always better, but sometimes having
a lower payment with the option of making extra payments may be safer. The earlier in life people start thinking
about these questions and planning their financial future based on the big picture,
the more solid a foundation they can build earlier in life. Who doesn’t want that for themselves and their
loved ones? <o:p></o:p></span></p>
<p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">As a <a href=" https://www.fblake.bank/" target="_blank">bank at the Lake of the Ozarks</a> that is completely focused on putting your first, we are particularly
excited about sharing these calculators with the young adults we know. If you
know a young adult that is interested in learning how to manage and <a href=" https://www.fblake.bank/" target="_blank">save money at the Lake of the Ozarks</a>, let them know about the tools available on our
website. Showing someone how they can see
their overall financial picture in light of their specific situation and goals
can be one of the best gifts you can give them.
Best of all, it is a FREE gift of knowledge! For all your <a href=" https://www.fblake.bank/" target="_blank">financial and banking needs at the Lake of the Ozarks</a>, we are here to help. Feel free to reach out to us with any questions
you may have and be sure to follow us on social media on the channels listed below. </span><o:p></o:p></p><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><br /></span></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"></span></p><p><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><br style="color: black;" /></span></p><p></p><p class="MsoNormal"><span style="color: #4d4d4d;"></span></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-40496169527555113312021-10-19T14:51:00.000-07:002021-10-22T07:41:00.112-07:00Using Financial Calculators to Build a Good Financial Foundation (Part One)<p class="MsoNormal">We all have financial questions in life, especially when we are making
important financial decisions. Have you
ever wondered if you would save money if you bought a house rather than renting? Do you know how much emergency saving you need
for your situation? If you buy a home, how much of a difference will it make if
you get a 15-year mortgage v. a 30-year mortgage. What if you get a 30-year mortgage but make
extra payments each year? </p><p class="MsoNormal"><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake </a>knows you need accurate answers to these questions, and we think you should
be able to have access to those answers 24/7.
So, we created financial calculators and put them on our website for our
clients to access any time they want. If you are curious how these financial
calculators could help you build a great financial foundation, keep reading this
blog! We are going to describe just a
few of the many useful calculators to give you an idea of what is available.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEij8YRrsPFTmYfV3zyYpaCXpOUqyIC-oedPtKsg7Gl1JUSiwXSaJqUanQLDqLiUS7XLmYpBaUlN3I117oTIoluPdw5UzVXiXGu6_1KtihiYrFbCF3Q-X1VWVhbsmXsn_RhbA_H-KEKFAsiAJFqsPllYT7UvNSMPRTIDiai9prnupYX0gxJP18XTa-NF=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="582" data-original-width="1000" height="233" src="https://blogger.googleusercontent.com/img/a/AVvXsEij8YRrsPFTmYfV3zyYpaCXpOUqyIC-oedPtKsg7Gl1JUSiwXSaJqUanQLDqLiUS7XLmYpBaUlN3I117oTIoluPdw5UzVXiXGu6_1KtihiYrFbCF3Q-X1VWVhbsmXsn_RhbA_H-KEKFAsiAJFqsPllYT7UvNSMPRTIDiai9prnupYX0gxJP18XTa-NF=w400-h233" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><p class="MsoNormal"><o:p></o:p></p><h3 style="text-align: left;">Managing Debt Calculator</h3><p class="MsoNormal"><o:p></o:p></p><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Use this calculator to find out how
much you owe. This can be used as a good starting point for your debt
management plan. Enter all your credit
cards and outstanding installment loan balances. Find out how much you owe and
how long it will take to pay it all off.</span></p><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><br /></span></p><h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Personal Debt Consolidation, and
Credit Card Payoff Calculators</span></h3><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Should you consolidate your debt?
This calculator is designed to help determine whether debt consolidation is
right for you. Enter your credit cards, auto loans, and other installment loan
balances by clicking on the "Enter Data" button for each category.
Then change the consolidated loan amount, term, or rate to create a loan that
will work within your budget.</span><o:p></o:p></p><p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjBEvWyzyFZNPtF_jJZwD8OAhqhQs4iV94eLzO3zpUznxirmYdfe2QXhytdhvyxgJGel83N_flhh6_lwcAPwE9dOoXzZOgP7BYEw-Ig4wgmxme_avWi5piT9ZIQRI_qSj0Ihb9PF4z9_g8MI4NW_y-tvKf9nH8vI9O6eABZTOXpWDO-OlQx-2dZW8sG=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEjBEvWyzyFZNPtF_jJZwD8OAhqhQs4iV94eLzO3zpUznxirmYdfe2QXhytdhvyxgJGel83N_flhh6_lwcAPwE9dOoXzZOgP7BYEw-Ig4wgmxme_avWi5piT9ZIQRI_qSj0Ihb9PF4z9_g8MI4NW_y-tvKf9nH8vI9O6eABZTOXpWDO-OlQx-2dZW8sG=w400-h266" width="400" /></a></div><br /><p></p><h3 style="text-align: left;"><u>Auto Rebate vs. Low-Interest Financing</u></h3><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Use this calculator to help you
determine whether you should take advantage of low-interest financing or a
manufacturer rebate. A rebate will reduce your auto loan balance, while low-interest financing lowers your monthly payment. The best option depends on the
price of the vehicle, the size of the rebate, and the interest rates available
for financing.</span><o:p></o:p></p><p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEheVHU9trvK_FaEpnSY_wpYotLPk7ZNI2RRLljAE-mr_hJAI4oaC8G1wphH0DnMzDN9_jE5AFjHhUisbgRJSeVK46mtnKi-K9_oLhCXORzbH32GXtPJmc4T9e5F-n-9iOGbP-rh_yDvE-NPVHlF_twGseomrOLtMzcFR3idCP-4uRAkTJukGqyuGGxb=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEheVHU9trvK_FaEpnSY_wpYotLPk7ZNI2RRLljAE-mr_hJAI4oaC8G1wphH0DnMzDN9_jE5AFjHhUisbgRJSeVK46mtnKi-K9_oLhCXORzbH32GXtPJmc4T9e5F-n-9iOGbP-rh_yDvE-NPVHlF_twGseomrOLtMzcFR3idCP-4uRAkTJukGqyuGGxb=w400-h266" width="400" /></a></div><br /><p></p><h3 style="text-align: left;">Loans</h3><p class="MsoNormal"><o:p></o:p></p><p class="MsoNormal">There are a number of different calculators under the loans
category. Using them together, you can
answer questions like … how much of a difference will it make if I get a 5-year
loan v. a 10-year loan. What if I increase
my monthly payment $100? Which loan
option has the quickest payoff or lowest monthly payment. If you borrow so much money, what will your
payment be? If you can afford so much
for a payment, how much of a loan can you get? See the calculators under the loans category to learn the answers to these types of questions. <o:p></o:p></p><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> </o:p></span></p><h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Credit Assessment Calculator</span></h3><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Use this calculator to assess your
credit. After entering your information, your credit is assessed as 'Good',
'Fair' or 'Needs Improvement'. You can view your credit assessment report for more information
about what this assessment means to you.</span><o:p></o:p></p><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> </o:p></span></p><h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Checkbook Calculator</span></h3><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Let us help you balance your
checkbook. First, tell us the ending balance on your statement, then enter all
of your outstanding checks and deposits. If your checkbook register matches our
calculated amount, your checkbook is balanced! If not, you may need to verify
that all of your withdrawals and deposits are correct and accounted for.</span><o:p></o:p></p><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> </o:p></span></p><h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Home Budget Calculator</span></h3><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Managing your monthly budget can be
difficult and frustrating. One of the most important aspects of controlling
your budget is to determine where your money is going. This calculator helps
you do just that. By entering your income and monthly expenditures, you can see
how much you have left to save and where your money is being spent. In
addition, you can click the "View Report" to see your entry's results
in detail, which can help identify areas for improvement.</span><o:p></o:p></p><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><o:p> </o:p></span></p><h3 style="text-align: left;"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Emergency Savings Calculator</span></h3><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Having adequate emergency savings
can make unforeseen unemployment, auto repairs, medical emergencies, property
damage, and even legal issues more manageable. With adequate emergency savings,
you can focus on how to best meet your family's needs, rather than worrying
about finding the money to handle these difficult situations. This calculator
helps you determine how much emergency savings you may need, and how you can
begin saving toward this important goal.</span><o:p></o:p></p><p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEi7akSK71C6g1ilb1INlt6zoj8ZbBm9U3y8_FlV9LP9VU_MWvCxGnthd4J47I__ODz0q8hDPwDid9QZr6NM2KofaNmvFLUFCHpvqfobQmOhX_sLHHjhQwIQ761NDWKupUnyjAV3Lly3YzQnY9nRfTizh2ktfxfj_trUncSE5wulccBP4qbXnO820q6g=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEi7akSK71C6g1ilb1INlt6zoj8ZbBm9U3y8_FlV9LP9VU_MWvCxGnthd4J47I__ODz0q8hDPwDid9QZr6NM2KofaNmvFLUFCHpvqfobQmOhX_sLHHjhQwIQ761NDWKupUnyjAV3Lly3YzQnY9nRfTizh2ktfxfj_trUncSE5wulccBP4qbXnO820q6g=w400-h266" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><p></p><h3 style="background: white; line-height: normal; text-align: left;"><span style="color: #343a40; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman";">Financial calculators for all
your financial needs.</span></h3><p>
</p><p class="MsoNormal"><span style="background: white; color: #4d4d4d; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">When you know the answers to these financial questions, it is much easier to make better decisions to secure your financial future. Saving money and making extra payments can be much more appealing when you see exactly how much money it will save or earn you.</span><span style="background: white; color: #4d4d4d;"> You can access all these <a href="https://www.fblake.bank/" target="_blank">financial calculators</a> on the <a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a> website under the Resources Tab. </span> <span style="color: #4d4d4d;">From mortgages to retirement plans, our calculators can help
answer questions about loans, debts, investing, and more! </span></p><p class="MsoNormal"><span style="color: #4d4d4d;">The list above is just a start. We will continue in next week’s blog with
more calculators including those to determine whether you are better off
<a href="https://www.fblake.bank/" target="_blank">renting or buying a home at the Lake of the Ozarks</a> and whether you should get a 15-year mortgage or a 30-year
mortgage, and much, much more. For more information and helpful tips for
managing your money, be sure to follow us on social media using the channels
listed below. </span></p><p class="MsoNormal"><span style="color: #4d4d4d;"><br /></span></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p class="MsoNormal"><span style="color: #4d4d4d;"></span></p><p><br /></p><p class="MsoNormal"><o:p></o:p></p><p class="MsoNormal"><o:p></o:p></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-24629534162085031862021-10-15T12:16:00.000-07:002021-10-15T12:16:33.165-07:00Saving Money Securely with IntraFi Network Deposits<p>At First Bank, we offer IntraFi Network Deposits as a
solution for securing larger deposits.
When you place a large deposit with us, we place your funds into
certificates of deposit issued by other financial institutions in the IntraFi’s
network of banks, effectively allowing you access to multi-million-dollar FDIC
protection on CD investments. If you
have over $250,000 in savings and would like to learn more about how to combine
the convenience of working directly with just one financial institution with the
security of access to FDIC insurance, keep reading this blog to learn about
IntraFi Network Deposits with <a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhe4dLHsiDDB13YS9ze8_5oFL8e8vhIgT1XH0T40rQ35VvWrVs9bWCBUwKW9borEJVS1tZukMJRJZtXm1S7GSf2ten2OmTtx8EbQ3R6WHYRiq8LSu-5P9CjoptNrB3CYR9d00P3FitsGtShFINxDpYApPmMauiT2DVw-t7MCLSdh0-ky3XZOrPPuf77=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEhe4dLHsiDDB13YS9ze8_5oFL8e8vhIgT1XH0T40rQ35VvWrVs9bWCBUwKW9borEJVS1tZukMJRJZtXm1S7GSf2ten2OmTtx8EbQ3R6WHYRiq8LSu-5P9CjoptNrB3CYR9d00P3FitsGtShFINxDpYApPmMauiT2DVw-t7MCLSdh0-ky3XZOrPPuf77=w400-h266" width="400" /></a></div><p class="MsoNormal"><o:p></o:p></p>
<h3 style="text-align: left;">FDIC Insurance</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">The FDIC insures up to $250,000 in deposits per account
holder per institution to ensure depositors that the funds will be there when they
need them. Banks don’t just keep
deposited funds in a vault, they will use those funds to invest and earn
revenue to pay for things like interest on savings accounts, CDs, etc. Investments may include loans to other
customers, stocks, and more. FDIC insurance was created to protect consumers in
the event that such investments cause a bank to fail thereby adding stability to
our economic system by preventing such a failure from wiping out account
holders’ savings. <o:p></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgUoOyen58LTi4ckde2mHvCAFuY4Opm_q8ORIc_wQwb2yQatirTm4ZfRldYgpDaNPMaiOcaSWUcWiKXHo5ufe0iVBvDjf78X_L8QSzeq9jq4ow5rgtBMUOowaNmMJU5TAw91_Kfh2cBI3jLu1Vil91fg5B-gSeYgBgYLewpoWW6ToXGaCmXHwXRNqRE=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://blogger.googleusercontent.com/img/a/AVvXsEgUoOyen58LTi4ckde2mHvCAFuY4Opm_q8ORIc_wQwb2yQatirTm4ZfRldYgpDaNPMaiOcaSWUcWiKXHo5ufe0iVBvDjf78X_L8QSzeq9jq4ow5rgtBMUOowaNmMJU5TAw91_Kfh2cBI3jLu1Vil91fg5B-gSeYgBgYLewpoWW6ToXGaCmXHwXRNqRE=w400-h266" width="400" /></a></div>
<p class="MsoNormal">But what if you have larger deposits to make and want to be
ensured that the money you are saving is protected? Many people will separate
their money into different accounts in different banks to make sure none of their
savings is at risk. But it can be
complicated to keep track of and manage so many different accounts, each with
their own balance and different disbursements.
<o:p></o:p></p>
<h3 style="text-align: left;">IntraFi Network Deposits</h3><p class="MsoNormal"><o:p></o:p></p>
<h4 style="background: white;"><span face="Calibri, sans-serif" style="font-size: 11pt; font-weight: normal;">With IntraFi
Network Deposits, everything is handled through our </span><span face="Calibri, sans-serif" style="font-size: 11pt; font-weight: normal;"><a href="https://www.fblake.bank/" target="_blank">bank in Osage Beach, Missouri</a></span><span face="Calibri, sans-serif" style="font-size: 11pt; font-weight: normal;">. You work directly with us to secure large
deposits. Your large deposit is broken into smaller amounts and placed with
other banks that are members of IntraF's network of banks. Then those banks
issue CDs in amounts under the standard FDIC insurance maximum, so that your
investment is eligible for FDIC protection. By working directly with just one
bank – our bank – you can receive insurance through many. It is that simple.<o:p></o:p></span></h4><div><span face="Calibri, sans-serif" style="font-size: 11pt; font-weight: normal;"><br /></span></div><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhgF8DRTKvMVcRnx4DjKK3btVfYwVxemo7fyMd8OZFpuB1EAqP_dJ2M4lpCovtib6U1f3ui2YeSLhCmW2WSNAPQx8D6VMHe1hHXRlWGvVoauFRjV9ZZe8lsCJ3pMRXrU5E2ZsmUq46DR33g6Ba2NrrO0Oj0DmovtEgRk4FAU7nXC8dtkWd84to8vyxq=s1000" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="664" data-original-width="1000" height="265" src="https://blogger.googleusercontent.com/img/a/AVvXsEhgF8DRTKvMVcRnx4DjKK3btVfYwVxemo7fyMd8OZFpuB1EAqP_dJ2M4lpCovtib6U1f3ui2YeSLhCmW2WSNAPQx8D6VMHe1hHXRlWGvVoauFRjV9ZZe8lsCJ3pMRXrU5E2ZsmUq46DR33g6Ba2NrrO0Oj0DmovtEgRk4FAU7nXC8dtkWd84to8vyxq=w400-h265" width="400" /></a></div></div>
<h3 style="text-align: left;">Benefits</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">With IntraFi Network Deposits, you do not have to negotiate
multiple rates or manually tally disbursements for each CD. You earn one interest rate per maturity on
your entire CD investment without the need for consolidating multiple
disbursement checks. You receive one monthly statement with the details of all
your CDs including issuing banks, maturity dates, interest earned, etc. You will no longer have to consolidate
statements on your own or track changing collateral values. You will be able to get a full understanding
where your CD investments stand at a glance. <o:p></o:p></p>
<p class="MsoNormal">There are no hidden fees of any kind – no annual fees, no subscription
fees, no transaction fees. The rate you
see is the rate you get. You can select from various maturities from 4 weeks to
3 years and choose the best terms for your needs. Most importantly, you will
have the peace of mind knowing your savings is securely deposited and not
subject to floating net asset values that can lead to a loss of principal and
erase returns during a down market or period of high market volatility. <o:p></o:p></p>
<h3 style="text-align: left;">Invest using IntraFi Network Deposits today!</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">At <a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>, we are dedicated to putting
you first and creating real solutions for our clients with our <a href="https://www.fblake.bank/" target="_blank">banking services at the Lake of the Ozarks</a>. Our bank was founded to cater to the
specific needs of this community, and we know that many of the people who own homes
here have a need to be able to secure large deposits securely.<o:p></o:p></p>
<p class="MsoNormal">If you have any questions about IntraFi Network Deposit or
anything about <a href="https://www.fblake.bank/" target="_blank">banking at the Lake of the Ozarks</a>, feel free to reach out
to First Bank. We are here for our
customers and are happy to answer your banking questions with clarity. For more news and information about all First
Bank has to offer, be sure to follow us on our social media channels listed
below. <o:p></o:p></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-80005191195481508682021-10-05T14:16:00.000-07:002021-10-08T11:26:35.700-07:007 Things to Know About Around the Clock Identity Theft Protection with Kasasa Protect<p>If you do everything you can to avoid fraud and identity
theft but still worry about it, <a href="https://www.fblake.bank/for-you/kasasa-protect" target="_blank">First Bank of the Lake</a><b> </b>understands. While we want to do all that is within our
power to prevent fraud some things can be beyond our control. That is why we offer <a href="https://www.fblake.bank/for-you/kasasa-protect" target="_blank">Kasasa Protect</a>
for your <a href="https://www.fblake.bank/for-you/kasasa-protect" target="_blank">checking account at Lake of the Ozarks</a><b>.</b> It is a comprehensive and affordable service that
works as an invisible armor for your sensitive information and can be added
to any First Bank of the Lake Kasasa Checking Account. If you are interested in the peace of mind
that comes with 24/7 monitoring, identity restoration services, and more … keep
reading this blog. </p>
<h3 style="text-align: left;">1) Monitoring </h3><p class="MsoNormal" style="tab-stops: 174.0pt;"><o:p></o:p></p>
<p class="MsoNormal" style="tab-stops: 174.0pt;">Monitoring the activity in your
checking account can be one of the simplest ways to protect yourself against
fraud.<span style="mso-spacerun: yes;"> </span>With Kasasa Protect keeping an
eye out for you, if anyone inquires about your credit, tries to start a new
account, inquires about loan data, or places a lien or judgment on your
account, or any other suspicious activity occurs, you will be alerted
immediately.<span style="mso-spacerun: yes;"> </span><o:p></o:p></p>
<h3 style="text-align: left;">2) Dark Web Monitoring</h3><p class="MsoNormal" style="tab-stops: 174.0pt;"><o:p></o:p></p>
<div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-g_THd1v4zrY/YVy_xX1aPqI/AAAAAAACdCA/DGT2P81gaVIt6MNwogtyLFhsBzvTaZySQCLcBGAsYHQ/s1000/shutterstock_1903862827.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="665" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-g_THd1v4zrY/YVy_xX1aPqI/AAAAAAACdCA/DGT2P81gaVIt6MNwogtyLFhsBzvTaZySQCLcBGAsYHQ/w400-h266/shutterstock_1903862827.jpg" width="400" /></a></div><p class="MsoNormal" style="tab-stops: 174.0pt;">By scanning millions of international
sources in real-time, Dark Web Monitoring can help you keep close tabs on your online
identity.<span style="mso-spacerun: yes;"> </span>If stolen data that could
identify you such as social security numbers or medical identification numbers
are spotted on the dark web, you will be alerted.<o:p></o:p></p>
<h3 style="text-align: left;">3) Identity Restoration</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">If you are the unfortunate victim of identity theft, one of
the most valuable advantages of Kasasa Protect is the advice and resolution
services provided the instant fraud is discovered. You will not have to face it
by yourself.<span style="mso-spacerun: yes;"> </span>Instead, you will have a
certified specialist to file, dispute, and resolve issues including notifying
authorities, filing fraud alerts, and placing credit freezes at different bureaus.
<o:p></o:p></p>
<h3 style="text-align: left;">4) Credit Reports</h3><p class="MsoNormal"><o:p></o:p></p>
<div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-VSUsJbaZ56k/YVy_3ODfVgI/AAAAAAACdCE/zU6JcmzBbnw4UOTMRxBJYkoiM5zs4xFwgCLcBGAsYHQ/s1000/shutterstock_437469409.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-VSUsJbaZ56k/YVy_3ODfVgI/AAAAAAACdCE/zU6JcmzBbnw4UOTMRxBJYkoiM5zs4xFwgCLcBGAsYHQ/w400-h266/shutterstock_437469409.jpg" width="400" /></a></div><p class="MsoNormal">With Kasasa Protect you will receive full access to your
annual credit report from TransUnion and be provided deep insight on the health
of your credit.<span style="mso-spacerun: yes;"> </span>With that knowledge and
access, you can monitor your identity better and proactively manage your finances.
<span style="mso-spacerun: yes;"> </span><o:p></o:p></p>
<h3 style="text-align: left;">5) Credit Score Tracker</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Stay on top of your credit by reviewing your credit score
regularly, without the cost of pulling full credit reports.<span style="mso-spacerun: yes;"> </span>This allows you to learn exactly what is affecting
your score and notice positive (or negative) trends. <o:p></o:p></p>
<h3 style="text-align: left;">6) Lost Wallet Protection</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal" style="background: rgb(249, 249, 249); line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-H4pJdbF63Fw/YVy_98ewKlI/AAAAAAACdCI/hGnIe5t5m9EEHhgb8I6H18cFDIk72428ACLcBGAsYHQ/s1000/shutterstock_1390379423.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="580" data-original-width="1000" height="233" src="https://1.bp.blogspot.com/-H4pJdbF63Fw/YVy_98ewKlI/AAAAAAACdCI/hGnIe5t5m9EEHhgb8I6H18cFDIk72428ACLcBGAsYHQ/w400-h233/shutterstock_1390379423.jpg" width="400" /></a></div><span style="color: black; mso-color-alt: windowtext;"><p class="MsoNormal" style="background: rgb(249, 249, 249); line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="color: black; mso-color-alt: windowtext;">If you happen to lose your wallet or if it is stolen, Lost Wallet
Protection can serve as one point of contact to take care of canceling and replacing
all of your important documents</span><span style="color: black; mso-themecolor: text1;">.<span style="mso-spacerun: yes;"> </span></span><span style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;">Restoration through your agent includes your
cards, licenses, social security cards, insurance cards, passports, military
IDs, and even traveler’s checks.</span></p></span><p></p>
<h3 style="text-align: left;">7) How to Get Started</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal" style="text-align: left;">Just contact First Bank of the Lake to get started. <span style="mso-spacerun: yes;"> </span>It is only $7.99 per month with any Kasasa checking
account and once enrolled, it will start working immediately.<span style="mso-spacerun: yes;"> </span>Just log in and verify your identity to get the
full value from Kasasa Protect. <o:p></o:p></p><h3 style="-webkit-font-smoothing: antialiased; background-color: white; box-sizing: border-box; line-height: 1.25; margin: 0.58824rem 0px; text-align: left;"><span style="font-family: times;">Stay ahead of fraud – Kasasa Protect can help!</span></h3>
<p class="MsoNormal"><a href="https://www.fblake.bank/for-you/kasasa-protect" target="_blank">First Bank of the Lake</a> is founded on the value of putting
you first. That means we care about what you care about.<span style="mso-spacerun: yes;"> </span>We know our clients are concerned about identity
theft and fraud and are looking for solutions that will truly offer
protection and restoration in the worst-case scenario.<span style="mso-spacerun: yes;"> </span>That is why we are so proud to offer <a href="https://www.fblake.bank/for-you/kasasa-protect" target="_blank">Kasasa Protect</a> and why we wanted to share this blog with you today.<span style="mso-spacerun: yes;"> </span>If you have any questions about protecting
yourself from <a href="https://www.fblake.bank/for-you/kasasa-protect" target="_blank">fraud and identity theft at the Lake of the Ozarks</a><b>,</b> we are
happy to answer your questions. <span style="mso-spacerun: yes;"> </span>For more
news and tips on <a href="https://www.fblake.bank/for-you/kasasa-protect" target="_blank">banking at the Lake of the Ozarks</a>, don’t forget to subscribe
to our social media channels below. <o:p></o:p></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-75071302482097043302021-09-28T13:48:00.002-07:002021-10-01T10:41:35.701-07:005 Ways Business Mobile Banking Gives You Flexibility AND Security!<p>Business doesn’t stop because you are away from the office, and
some of those financial decisions can’t just wait until you get back. No matter what time of the day or night, as a
business owner, <a href="https://www.fblake.bank/for-business/business-mobile-banking" target="_blank">First Bank of the Lake</a> understands you need access to
your banking. We also know that running
a business means you probably wear a lot of hats and need to work efficiently in
order to accomplish everything that needs to be done in a day. </p><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-5Jv09vkJVt8/YVN54aEUOrI/AAAAAAACc2g/v8t-G7txzXEf4tSQTJZ-VTtl0Mx1hzNTgCLcBGAsYHQ/s1000/shutterstock_552470059.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-5Jv09vkJVt8/YVN54aEUOrI/AAAAAAACc2g/v8t-G7txzXEf4tSQTJZ-VTtl0Mx1hzNTgCLcBGAsYHQ/w400-h266/shutterstock_552470059.jpg" width="400" /></a></div>That is why <a href="https://www.fblake.bank/for-business/business-mobile-banking" target="_blank">Business Mobile Banking </a>was created.<span style="mso-spacerun: yes;"> </span>You work on the go and it only makes sense
that your <a href="https://www.fblake.bank/for-business/business-mobile-banking" target="_blank">business bank account at the Lake of the Ozarks</a> would too.<span style="mso-spacerun: yes;"> </span>What if you never had to drive to the bank to
deposit a check?<span style="mso-spacerun: yes;"> </span>How convenient would it
be to always know the balance of your account without having to log into it? <span style="mso-spacerun: yes;"> </span>That is the power and convenience of Business
Mobile Banking.<span style="mso-spacerun: yes;"> </span>If you are interested in
learning more about how Business Mobile Banking puts the power of financial
management and supervision right into your hands … keep reading today’s blog! <o:p></o:p><p></p>
<h3 style="text-align: left;">1) Mobile Deposit</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-E4i6gYTYk1I/YVN5_j5Y4uI/AAAAAAACc2k/6tQZjuDgaPoli6Us75PxFVDV8CuonSxcACLcBGAsYHQ/s1000/shutterstock_1868217013.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-E4i6gYTYk1I/YVN5_j5Y4uI/AAAAAAACc2k/6tQZjuDgaPoli6Us75PxFVDV8CuonSxcACLcBGAsYHQ/w400-h266/shutterstock_1868217013.jpg" width="400" /></a></div>We make it as easy as taking a picture of your check with
your phone or tablet and securely submitting your deposit to be processed.<span style="mso-spacerun: yes;"> </span>Imagine having your bank at your fingertips
24/7 … anytime, anywhere … for no added charge.<span style="mso-spacerun: yes;">
</span>The payment you receive from your client can literally be in your bank
account by the time you get back to your truck. <o:p></o:p><p></p>
<h3 style="text-align: left;">2) Payments and Transfers</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Business Mobile Banking also allows convenient online Bill Pay
and Transfers options. <span style="mso-spacerun: yes;"> </span>It is not only
hassle-free but completely flexible.<span style="mso-spacerun: yes;"> </span>You
can schedule a one-time payment to a person or a company, or you can set up
recurring payments, so you don’t have to manually enter the data each
time.<span style="mso-spacerun: yes;"> </span>Even one less thing that you have to
do or think about can help. You also have the convenience of transferring money
between accounts to manage who has access to what.<o:p></o:p></p>
<h3 style="text-align: left;">3) Balances and Transactions</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Of course, as a business owner, you always want to be aware of
how much is in your account(s) and exactly what activity is occurring in real-time.<span style="mso-spacerun: yes;"> </span>With Business Mobile Banking you
can have a look at all your accounts, their balances, the transaction history,
as well as recent and pending transactions.<span style="mso-spacerun: yes;">
</span>Do you regularly need to know your balance instantly at a glance? <span style="mso-spacerun: yes;"> </span>You have the option of enabling Instant Balance
to preview your balance securely without logging in.<o:p></o:p></p>
<h3 style="text-align: left;">4) Approvals</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Approvals are a powerful feature of the Mobile Business
Banking App to help protect your business from fraud. <span style="mso-spacerun: yes;"> </span>With Approvals, you are able to require your approval
for payments and ACH transactions as they come in, from wherever you are
whenever it is convenient.<span style="mso-spacerun: yes;"> </span>This means
you will always be able to supervise the transfers of large amounts of money and
notice any suspicious requests or activity.<span style="mso-spacerun: yes;">
</span>This can help you stop fraud before it happens, and you can even get
push alerts on your phone to let you know when you have a transaction waiting
on your approval.<span style="mso-spacerun: yes;"> </span>Now that is total
control coupled with convenience!<o:p></o:p></p>
<h3 style="text-align: left;">5) Secure Login</h3><div><br /></div><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-i1igwmt4Csc/YVN6FoFEqxI/AAAAAAACc2o/n8_MT8rPV9A4mWSRkKc4XADwsbGf0Vs0ACLcBGAsYHQ/s1000/shutterstock_1182164713.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="750" data-original-width="1000" height="300" src="https://1.bp.blogspot.com/-i1igwmt4Csc/YVN6FoFEqxI/AAAAAAACc2o/n8_MT8rPV9A4mWSRkKc4XADwsbGf0Vs0ACLcBGAsYHQ/w400-h300/shutterstock_1182164713.jpg" width="400" /></a></div><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">All of these handy features are accessed through the app which
is available in Google Play or the Apple App Store.<span style="mso-spacerun: yes;"> </span>The mobile login for the app uses the same
multi-layer security that is used when you log in from your desktop.<span style="mso-spacerun: yes;"> </span>We will make sure the credentials and devices you are logging in with match and are correct.<span style="mso-spacerun: yes;">
</span>For an added layer you can also use Touch ID and Fingerprint Authentication
to log in. <o:p></o:p></p>
<p class="MsoNormal">With all you have to take care of, <a href="https://www.fblake.bank/for-business/business-mobile-banking" target="_blank">First Bank of the Lake</a>
wants to make it as easy for you as possible with <a href="https://www.fblake.bank/for-business/business-mobile-banking" target="_blank">Business Mobile Banking</a>.
If you are ready for the convenience, control, and security of business
banking at your fingertips, contact us today!<span style="mso-spacerun: yes;">
</span>We are happy to answer any of your questions and help you get set up
with ease.<span style="mso-spacerun: yes;"> </span>Be sure to follow us on our
social media channels listed below for more news and tips about <a href="https://www.fblake.bank/for-business/business-mobile-banking" target="_blank">banking at the Lake of the Ozarks</a>. <o:p></o:p></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-49508320325363539262021-09-21T14:13:00.007-07:002021-09-24T08:03:44.204-07:003 Ways to Control Exactly What Your Debit and Credit Cards Can Be Used For, with the CardValet App!<p>Control and convenience from an app on your phone, for the
cards in your wallet – that is what it is all about. CardValet is a powerful
app offered at <a href=" https://www.fblake.bank/" target="_blank">First Bank of the Lake</a> that gives you extensive access
and control of your debit and credit cards. We have all had that moment when we
can’t find one of our cards. You
remember the last time you used it, but you aren’t sure if you misplaced it or
have lost it … or worse, maybe someone else “found” it. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-IFyMz1Y5IdY/YUpKxEx1GLI/AAAAAAACcvA/KR0-uO_UamcfW9Pb8jbWoMUuA8xamO5SACLcBGAsYHQ/s1000/shutterstock_464537990.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-IFyMz1Y5IdY/YUpKxEx1GLI/AAAAAAACcvA/KR0-uO_UamcfW9Pb8jbWoMUuA8xamO5SACLcBGAsYHQ/w400-h266/shutterstock_464537990.jpg" width="400" /></a></div>
<p class="MsoNormal">At that point you may wonder if you should you call the bank
and close the card before someone empties your account.<span style="mso-spacerun: yes;"> </span>What about all your automatic bill payments
that are attached to that card?<span style="mso-spacerun: yes;"> </span>Is it
safe to wait and see it you can find it? Maybe it is a false alarm, and the
card is in the pocket of the jacket you were wearing when you used it last. This
is a terrible feeling, and it is all alleviated with the <a href="https://www.fblake.bank/for-you/card-valet" target="_blank">CardValet App from First Bank of the Lake</a>. The CardValet App has so many wonderful features
that allow you to monitor and control your cards. If that sounds like something
you need, keep reading!</p>
<h3 style="text-align: left;">1) Lock and Unlock Cards</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">With the <a href="https://www.fblake.bank/for-you/card-valet" target="_blank">Card Valet App</a> you have the ability to lock and
unlock your card at any time.<span style="mso-spacerun: yes;"> </span>When you
lock your card, all transactions are blocked <i>except</i> your regularly recurring
payments.<span style="mso-spacerun: yes;"> </span>This is a useful feature when
you want to give someone access to your card but only when and for how long you
say so.<span style="mso-spacerun: yes;"> </span>This is also great way to
disable a lost or stolen card and prevent fraudulent activity.<span style="mso-spacerun: yes;"> </span>Even better, it brings instant peace of mind
anytime you “misplace” your card knowing that all transactions will be declined
until you choose to unlock the card.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-VwbhAAWyglI/YUpK38MHOHI/AAAAAAACcvE/Sa0keGOkp80DfnJdFsBG7RquTgGa1SQXQCLcBGAsYHQ/s1000/shutterstock_1486144283.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="668" data-original-width="1000" height="268" src="https://1.bp.blogspot.com/-VwbhAAWyglI/YUpK38MHOHI/AAAAAAACcvE/Sa0keGOkp80DfnJdFsBG7RquTgGa1SQXQCLcBGAsYHQ/w400-h268/shutterstock_1486144283.jpg" width="400" /></a></div>
<h3 style="text-align: left;">2) Monitor Spending</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">With the <a href="https://www.fblake.bank/for-you/card-valet" target="_blank">CardValet App</a>, you will be able to see the details
of each of your cards including a real time list of all your recent
transactions. You also can set each card to send you alerts or notifications based
on the criteria you set.<span style="mso-spacerun: yes;"> </span>You can set
each differently based on your needs, with the option to be notified based on transaction
types, merchant types, location and spending limits. <span style="mso-spacerun: yes;"> </span>That way even without checking the app regularly,
you can be assured that if something unusual is happening, you will be informed
immediately.</p>
<h3 style="text-align: left;">3) Limit Spending</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">In the same way as you specify your notifications, you can set
up controls on each card to limit how it is used.<span style="mso-spacerun: yes;"> </span>So, you input what transaction types, merchant
types, locations and spending limits are acceptable for each card. If a
purchase does not meet your criteria, it is declined.<span style="mso-spacerun: yes;"> </span>This is the answer to so many
situations!<span style="mso-spacerun: yes;"> </span>Parents who want their kids
to have an emergency card but only to use when you decide.<span style="mso-spacerun: yes;"> </span>Or maybe you want your kids to be able to buy
gas but not entertainment with your card.<span style="mso-spacerun: yes;">
</span>Perhaps you need a debit or credit card for your business but feel
uneasy about operating on just a trust system when it comes to giving your
employees access to it.<span style="mso-spacerun: yes;"> </span>With total
control, you have the ease of giving access to your cards, with the peace of
mind in knowing they will only be used for what is approved.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-0pUaPatmV0E/YUpK_wNSA3I/AAAAAAACcvI/i72tUhwNt2c6I2RuEBPgH7toGTrPgqXGwCLcBGAsYHQ/s1000/shutterstock_1798861387.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-0pUaPatmV0E/YUpK_wNSA3I/AAAAAAACcvI/i72tUhwNt2c6I2RuEBPgH7toGTrPgqXGwCLcBGAsYHQ/w400-h266/shutterstock_1798861387.jpg" width="400" /></a></div>
<p class="MsoNormal">The best part is you have the power to do all this in real
time with your fingertips!<span style="mso-spacerun: yes;"> </span>If your
employee has a flat tire in a company vehicle, you can immediately change the criteria
and allow him or her to access your <a href=" https://www.fblake.bank/" target="_blank">business bank account at the Lake of the Ozarks</a> and make an emergency purchase.<span style="mso-spacerun: yes;">
</span>Then as soon as the purchase is made, you can restrict the card again.<span style="mso-spacerun: yes;"> </span>You can have a card that you only turn on
when you make an online purchase and stays locked otherwise.<span style="mso-spacerun: yes;"> </span>You can know exactly what you, your employees,
or your kids are spending money on, as well as when, where, and how much.<span style="mso-spacerun: yes;"> </span><o:p></o:p></p>
<p class="MsoNormal">If having that kind of control and convenience over your
<a href=" https://www.fblake.bank/" target="_blank">banking at the Lake of the Ozarks</a> is important to you, <a href=" https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>
is here to help! Find out more about the <a href="https://www.fblake.bank/for-you/card-valet" target="_blank">CardValet App</a> on our website. To get
the latest news and helpful tips, feel free to follow us on social media using
the links below!<o:p></o:p></p><p class="MsoNormal"><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-85670240432575982682021-09-14T14:18:00.001-07:002021-09-16T17:57:40.003-07:00Recreational Vehicle Loans: We can help fuel your adventure!<p>People across the nation are embracing the RVing lifestyle like
never before. It is easy to understand,
having an RV allows you the freedom to go where you want when you want, AND the
convenience of having all your own things with you. Plus, the RV lifestyle allows people to
experience the places they visit more deeply as they tend to spend more time in
one place and take in all it has to offer.
The relationships people are able to nurture are also pretty
amazing. Getting to hang out with other
people, of diverse ages and backgrounds, who all have one thing in common …
they love what the RVing lifestyle has to offer … is a huge part of the draw.</p><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-JyP7Hh_hdSY/YUEQxrbu25I/AAAAAAACcmo/I8ExbtzXau8SbhQiwE3OoGtKxT4u-upjgCLcBGAsYHQ/s1000/shutterstock_1304609761.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-JyP7Hh_hdSY/YUEQxrbu25I/AAAAAAACcmo/I8ExbtzXau8SbhQiwE3OoGtKxT4u-upjgCLcBGAsYHQ/w400-h266/shutterstock_1304609761.jpg" width="400" /></a></div>At <a href=" https://www.fblake.bank/" target="_blank">First Bank of the Lake</a>, we are here to help you fuel
your adventure with great <a href="https://www.fblake.bank/for-you/recreational-vehicle-loans" target="_blank">financing options for recreational vehicles at the Lake of the Ozarks</a><b>.</b><span style="mso-spacerun: yes;"> </span>So, you don’t
just get to dream about having your own RV, we can help you make it happen!<span style="mso-spacerun: yes;"> </span>If you are interested in joining the millions
of Americans enjoying this way of life, read on to learn about all the perks of
the RV life, and how <a href="https://www.fblake.bank/for-you/recreational-vehicle-loans" target="_blank">getting a loan for a recreational vehicle at the Lake of the Ozarks</a> can be easy and affordable. <o:p></o:p><p></p>
<h3 style="text-align: left;">Freedom.</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">With an RV, YOU get to choose.<span style="mso-spacerun: yes;"> </span>Choose your view, choose your location,
choose your neighbors … and if you don’t like your neighbors, you can easily
move.<span style="mso-spacerun: yes;"> </span>You are able to bring your pets
with you, and you have the freedom to stop and hang out anytime along the
way.<span style="mso-spacerun: yes;"> </span>You are not limited to camping only
when the weather is temperate, either. <span style="mso-spacerun: yes;"> </span>Being able to decide your own destiny and
change your mind at any moment … this is what appeals to so many RVers. <o:p></o:p></p>
<h3 style="text-align: left;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-pp88Soh7NVc/YUEQ-LMaKcI/AAAAAAACcmw/s6-IYJs50zc0Zqsr2GcqMmf_IoWt8ug3gCLcBGAsYHQ/s1000/shutterstock_1838235571.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-pp88Soh7NVc/YUEQ-LMaKcI/AAAAAAACcmw/s6-IYJs50zc0Zqsr2GcqMmf_IoWt8ug3gCLcBGAsYHQ/w400-h266/shutterstock_1838235571.jpg" width="400" /></a></div>Experience.</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">People who embrace the RV lifestyle feel it allows them to
see new places and experience things they would not have otherwise been able
to.<span style="mso-spacerun: yes;"> </span>There is a big difference between
driving past a beautiful mountain and waking up at the base of it each morning
in the comfort of your own RV! <span style="mso-spacerun: yes;"> </span>You are
not just visiting different places; you are experiencing them. Stay as little
or as long as you like, it is up to you.<span style="mso-spacerun: yes;">
</span>You will also find there is an entire community of like-minded people who
enjoy meeting each other and sharing common interests – like the great
outdoors.<span style="mso-spacerun: yes;"> </span>In addition, families feel
they spend a lot more time outside doing things rather than being couch
potatoes.<span style="mso-spacerun: yes;"> </span><o:p></o:p></p><p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-6vZg9pDvMic/YUEQ4SpX5PI/AAAAAAACcms/4wWiuqKjxPkqkpMO-HTWXLQmTQ4SM0ORQCLcBGAsYHQ/s1000/shutterstock_1806022591.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-6vZg9pDvMic/YUEQ4SpX5PI/AAAAAAACcms/4wWiuqKjxPkqkpMO-HTWXLQmTQ4SM0ORQCLcBGAsYHQ/w400-h266/shutterstock_1806022591.jpg" width="400" /></a></div><p></p>
<h3 style="text-align: left;">Convenience.</h3><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Owning an RV is not just about long distance or long-term
travelling.<span style="mso-spacerun: yes;"> </span>Many of our parents enjoy
their RVs at sporting events, kids’ games, and other social events. Other
people enjoy hunting or off roading or water sports and find having a RV makes
it SO much easier to get out and do things comfortably – even if you only have
the weekend.<span style="mso-spacerun: yes;"> </span>After all, you don’t have
to pack your gear.<span style="mso-spacerun: yes;"> </span>It is always ready
and waiting for you. <o:p></o:p></p>
<p class="MsoNormal">The convenience starts during the purchasing process,
too!<span style="mso-spacerun: yes;"> </span>Our clients have been so happy to
find out that our loan process is easier than they expected.<span style="mso-spacerun: yes;"> </span>We have great loan rates, affordable monthly
payments, low origination fees, and discounts on your interest rate for signing
up for automatic payments.<span style="mso-spacerun: yes;"> </span>We are also
proud to offer local decision-making from our experienced bankers!<span style="mso-spacerun: yes;"> </span>We even help you with pre-approval to give you
more bargaining power when you are ready to buy. <o:p></o:p></p><p class="MsoNormal"><br /></p>
<h3 style="text-align: left;">How to Get Started.<span style="mso-spacerun: yes;"> </span></h3><p class="MsoNormal"><o:p></o:p></p><p class="MsoNormal"><span style="mso-spacerun: yes;"><br /></span></p>
<p class="MsoNormal">First, find out how much of a loan you can afford with our
handy loan calculators below.<o:p></o:p></p>
<p class="MsoNormal"><a href="https://www.fblake.bank/calculator/enhanced-loan" target="_blank">Click here for the Enhanced Load Calculator.</a><b><o:p></o:p></b></p>
<p class="MsoNormal"><a href="https://www.fblake.bank/calculator/complex-loan" target="_blank">Click here for the Payment Frequency Calculator.</a><b><o:p></o:p></b></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Second, get started with your application online. <o:p></o:p></p>
<p class="MsoNormal"><a href="https://www.fblake.bank/assets/files/HoMApWru" target="_blank">Click here for your Application Form.</a><b><o:p></o:p></b></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Or come on in to meet the team and let us walk you through
the process.<o:p></o:p></p>
<p class="MsoNormal"><a href="https://www.fblake.bank/about-us/our-team---personal--mortgage-and-commercial-lending" target="_blank">Click here to reach out to a loan officer.</a><b><o:p></o:p></b></p>
<p class="MsoNormal"><b><o:p> </o:p></b></p>
<div style="text-align: left;"><a href=" https://www.fblake.bank/" target="_blank">At First Bank of the Lake</a>, we are proud to be your partner
it the dream of <a href="https://www.fblake.bank/for-you/recreational-vehicle-loans" target="_blank">buying an RV at the Lake of the Ozarks. </a><span style="mso-spacerun: yes;"> </span>Whenever you are ready, we are here for you. </div><div style="text-align: left;"><br /></div><div><br /></div><div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p></div><p class="MsoNormal"><o:p></o:p></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-650375123149148342021-09-08T09:26:00.002-07:002021-09-10T13:29:58.504-07:00 Did You Know Contributing to a Traditional IRA Can Create a Current Tax Deduction?<p>What's your plan for retirement? You know the earlier you start planning the better off you are! On that note, our <b><a href="https://www.fblake.bank/" target="_blank">bank at the Lake of the Ozarks</a></b> is here to give you a few helpful retirement terms in this week's blog. If you have any questions, please call <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> today at (573) 348-2265.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-Zl6byddZdbA/YTjj4cpJ2jI/AAAAAAACcc8/J2n5iC35urE2VDpmALpoZEkB-y0GlDLRgCLcBGAsYHQ/s2048/shutterstock_2019051896.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1367" data-original-width="2048" height="268" src="https://1.bp.blogspot.com/-Zl6byddZdbA/YTjj4cpJ2jI/AAAAAAACcc8/J2n5iC35urE2VDpmALpoZEkB-y0GlDLRgCLcBGAsYHQ/w400-h268/shutterstock_2019051896.jpg" width="400" /></a></div><p><br /></p><h2 style="text-align: left;">Did You Know Contributing to a Traditional IRA Can Create a Current Tax Deduction?</h2><p><br /></p><p>Contributing to a traditional IRA can create a current tax deduction, plus it provides for tax-deferred growth. While long term savings in a Roth IRA may produce better after-tax returns, a Traditional IRA may be an excellent alternative if you qualify for the tax deduction.</p><p><br /></p><p><b><a href="https://www.fblake.bank/calculator/regular-ira" target="_blank">CALCULATE HERE</a></b></p><p><br /></p><p><b>Definitions</b></p><p><b>Starting balance</b></p><p>The current balance of your traditional IRA.</p><p><b><br /></b></p><p><b>Annual contribution</b></p><p>The amount you will contribute to your IRA each year. This calculator assumes that you make your contribution at the beginning of each year. For 2021 the maximum annual IRA contribution of $6,000 is an unchanged from 2020. It is important to note that this is the maximum total contributed to all of your IRA accounts. The contribution limit increases with inflation in $500 increments. An annual change to the contribution limit only occurs if the cumulative effect of inflation since the last adjustment is $500 or more.</p><p><br /></p><p>If you are 50 or older you can make an additional 'catch-up' contribution of $1,000. The 'catch-up' contribution amount of $1,000 remains unchanged for 2021. In order to qualify for the 'catch-up' contribution, you must turn 50 by the end of the year in which you are making the contribution.</p><p><b><br /></b></p><p><b>Current age</b></p><p>This current age of the account owner must 71 or less for this calculator. Although it is possible to make contributions to an IRA at any age when you have eligible income, this calculator does not take Required Minimum Distributions (RMD) into account, which begin at age 72 (or 70 1/2 if you were born before 7/1/1949) and is not designed for individuals that are required to make these distributions.</p><p><b><br /></b></p><p><b>Age at retirement</b></p><p>Age at which you plan to retire. The age at retirement of the account owner must 72 or less for this calculator. Although it is possible to make contributions to an IRA at any age when you have eligible income, this calculator does not take Required Minimum Distributions (RMD) into account, which begin at age 72 (or 70 1/2 if you were born before 7/1/1949) and is not designed for individuals that are required to make these distributions.</p><p><br /></p><p>This calculator assumes that the year you retire, you do not make any contributions to your IRA. For example, if you retire at age 65, your last contribution occurs when you are actually age 64.</p><p><b><br /></b></p><p><b>Adjusted gross income</b></p><p>What you anticipate your income to be. This is used to calculate whether you are able to deduct your annual contributions from your taxes. It is important to note that there are no income limits preventing you from contributing to a traditional IRA. Annual income only affects your ability to make a tax-deductible contribution.</p><p><b><br /></b></p><p><b>Maximize contributions</b></p><p>Check this box to contribute the maximum allowed to your account each year. This includes the additional catch-up contribution available when you are age 50 or over.</p><p><b><br /></b></p><p><b>Total non-deductible contributions</b></p><p>The total of your traditional IRA contributions that were made without a tax deduction. Traditional IRA contributions are often tax-deductible. However, if you have an employer-sponsored retirement plan at work, such as a 401(k), your tax deduction is limited based on your income. This calculator automatically determines if your tax deduction is limited by your income.</p><p><b><br /></b></p><p><b>Total contributions</b></p><p>The total amount contributed to this IRA.</p><p><b><br /></b></p><p><b>IRA total before taxes</b></p><p>Total value of your IRA at retirement before taxes.</p><p><b><br /></b></p><p><b>IRA total after taxes</b></p><p>Total value of your IRA at retirement after taxes are paid.</p><p><b><br /></b></p><p><b>Total taxable account</b></p><p>Total value of your savings, at retirement, if the after-tax contribution amount is deposited into a taxable account. This value, which we call your 'Taxable Account Deposit' is calculated by assuming you could save an amount equal to the after-tax cost of contributing to a traditional IRA. Your 'Taxable Account Deposit' is equal to your traditional IRA contribution minus any tax savings. For example, assume you have a 30% combined state and federal tax rate. If you contribute $2,000 to a traditional IRA and qualify for the full $2000 tax deduction, the value of your tax deduction is $2,000 X 30% or $600. The after-tax cost of contributing to your traditional IRA would then be $2,000 minus $600 or $1,400. If you do not qualify for tax-deductible traditional IRA contributions, your 'Taxable Account Deposit' will be the same as your traditional IRA contribution.</p><p><br /></p><p>In addition, all earnings in your taxable account are assumed to be taxable in the year they are earned.</p><p><b><br /></b></p><p><b>Expected rate of return</b></p><p>The annual rate of return for your IRA. This calculator assumes that your return is compounded annually and your contributions are made at the beginning of each year. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor's 500® (S&P 500®) for the 10 years ending December 31st 2020, had an annual compounded rate of return of 13.8%, including reinvestment of dividends. From January 1, 1971 to December 31st 2020, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.8% (source: www.spglobal.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a financial institution may pay as little as 0.25% or less but carry significantly lower risk of loss of principal balances.</p><p><br /></p><p>It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that investment funds and/or investment companies may charge.</p><p><b><br /></b></p><p><b>Current tax rate</b></p><p>Your current marginal tax rate you expect to pay on your taxable investments.</p><p><b><br /></b></p><p><b>Retirement tax rate</b></p><p>The marginal tax rate you expect to pay on your investments at retirement.</p><p><b><br /></b></p><p><b>Married</b></p><p>Check the box if you are married. Uncheck this box if you are unmarried or you are "Married filing separately". This is used to determine whether or not your annual contributions are tax-deductible.</p><p><br /></p><p>This calculator assumes that if you are "Married filing separately" you have not lived with your spouse anytime during the last year. This qualifies you to use the "Single" deduction phase-out range instead of the much lower "Married filing separately" phase-out range when calculating your traditional IRA tax deduction.</p><p><b><br /></b></p><p><b>Employer plan</b></p><p>Check the box if you have an employer-sponsored retirement plan, such as a 401(k) or pension. This is used to determine if you can deduct your annual contributions from your taxes. For more information on how an employer plan can affect your IRA tax deduction, see the definition for non-deductible contributions.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-uTinxssrRpQ/YTjkLQYW8UI/AAAAAAACcdE/NHN65NdLARMFncFgQ73vfmYfDa0vUzZiwCLcBGAsYHQ/s2048/shutterstock_556197010.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1365" data-original-width="2048" height="266" src="https://1.bp.blogspot.com/-uTinxssrRpQ/YTjkLQYW8UI/AAAAAAACcdE/NHN65NdLARMFncFgQ73vfmYfDa0vUzZiwCLcBGAsYHQ/w400-h266/shutterstock_556197010.jpg" width="400" /></a></div><p><br /></p><h2 style="text-align: left;">Ready To Retire?</h2><p>Start planning for it as early as possible! We can help. <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> puts YOU first! To learn more about our retirement options, please visit our website listed below. You can also stay up to date on our latest helpful financial products we offer by following us on our social media channels listed below.</p><p><br /></p><p><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-20212010983643072572021-09-03T11:56:00.000-07:002021-09-03T11:56:51.604-07:00Let Us Help You Balance Your Checkbook!<p>Does balancing your checkbook sound like a daunting task? If so, then this is the blog for you! Many people probably think balancing their checkbook just sounds boring and stressful. Our <b><a href="https://www.fblake.bank/" target="_blank">bank at the Lake of the Ozarks</a></b> is here to give you the tools you need to balance your checkbook STRESS- FREE, in this week's blog. If you have any questions, please call <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> today at 573-348-2265.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-8sZ0AD5OTFM/YS-R1nibUxI/AAAAAAACcUQ/udFQkKALqhYxA6nCbr1Y-FD0IszNT-D9gCLcBGAsYHQ/s1000/shutterstock_569695963.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-8sZ0AD5OTFM/YS-R1nibUxI/AAAAAAACcUQ/udFQkKALqhYxA6nCbr1Y-FD0IszNT-D9gCLcBGAsYHQ/w400-h266/shutterstock_569695963.jpg" width="400" /></a></div><p><br /></p><h2 style="text-align: left;">Let Us Help You Balance Your Checkbook!</h2><p><br /></p><p>Let us help you balance your checkbook. First, tell us the ending balance on your statement, then enter all of your outstanding checks and deposits. If your checkbook register matches our calculated amount, your checkbook is balanced! If not, you may need to verify that all of your withdrawals and deposits are correct and accounted for.</p><p><b><a href="https://www.fblake.bank/calculator/checkbook" target="_blank"><br /></a></b></p><p><b><a href="https://www.fblake.bank/calculator/checkbook" target="_blank">CHECK OUT OUR CALCULATOR HERE.</a></b></p><p><b><br /></b></p><p><b>Definitions</b></p><p><b>Balance on statement</b></p><p>Your ending account balance as it appears on your statement.</p><p><b><br /></b></p><p><b>Checks</b></p><p>Up to 10 checks written or other withdrawals you have made that do not yet appear on your statement. Be sure to include your ATM withdrawals.</p><p><b><br /></b></p><p><b>Deposits</b></p><p>Up to five deposits made that do not yet appear on your statement. Be sure to include your ATM deposits.</p><p><b><br /></b></p><p><b>Other checks</b></p><p>Total of all other checks you have written that do not appear on your statement.</p><p><b><br /></b></p><p><b>Other deposits</b></p><p>Total of all other deposits you have made that do not appear in your statement.</p><p><b><br /></b></p><p><b>Total checks outstanding</b></p><p>Total amount of all checks not included on your statement.</p><p><b><br /></b></p><p><b>Total deposits outstanding</b></p><p>Total amount of all deposits not included on your statement.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-3JeAapCLbI4/YS-R_9qzaVI/AAAAAAACcUU/dxorfzkr1ogJayUMofUfFWuDi4YrxlULwCLcBGAsYHQ/s1000/shutterstock_1156424887.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-3JeAapCLbI4/YS-R_9qzaVI/AAAAAAACcUU/dxorfzkr1ogJayUMofUfFWuDi4YrxlULwCLcBGAsYHQ/w400-h266/shutterstock_1156424887.jpg" width="400" /></a></div><h2 style="text-align: left;"><br /></h2><h2 style="text-align: left;">Balance Your Checkbook Stress-FREE With First Bank of the Lake Today!</h2><p>All of us here at First Bank of the Lake hope you found this blog enlightening. We understand how daunting balancing your checkbook can be, especially if you have made a ton of purchases lately. That doesn't mean it can't be done gracefully with the right tools! That's where we come in. Give us a call today to learn more about our financial tools that can help make your life easier. We can be reached at the phone number listed below. You can also follow us on our social media channels listed below to stay up to date on our latest announcements.</p><p><br /></p><p><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-16783109374508313382021-08-27T13:11:00.000-07:002021-08-27T13:11:24.628-07:00Common Mortgage Terms to Know: Part 8<p>Who's ready to buy their DREAM home? The mortgage process may seem intimidating to a first-time home buyer, but our <b><a href="https://www.fblake.bank/" target="_blank">bank at the Lake of the Ozarks</a></b> is here to tell you it DOESN'T have to be. Know your facts! Keep reading for the meaning behind a few commonly used mortgage terms. This is Part 8 in a monthly Common Mortgage Terms blog series we've been doing. Each month we teach our customers what these important terms mean. To stay tuned into this monthly blog series, be sure to follow us on our Facebook page <b><a href="https://www.facebook.com/FirstBankLake" target="_blank">HERE</a></b>.</p><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-yRHsnEzmDdk/YSVZvFNCxDI/AAAAAAACcK0/EkTWD6nE-uE1yLmzI88fQYuqRq7RYEIZwCLcBGAsYHQ/s1000/shutterstock_428409352.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="760" data-original-width="1000" height="304" src="https://1.bp.blogspot.com/-yRHsnEzmDdk/YSVZvFNCxDI/AAAAAAACcK0/EkTWD6nE-uE1yLmzI88fQYuqRq7RYEIZwCLcBGAsYHQ/w400-h304/shutterstock_428409352.jpg" width="400" /></a></div><p><br /></p><p><b>Joint Tenancy</b></p><p>An undivided interest in property, taken by two or more joint tenants. Upon the death of a joint tenant, the interest passes to the surviving joint tenants, rather than to the heirs of the deceased.</p><p><b><br /></b></p><p><b>Judgment</b></p><p>Final determination by a court of the rights and claims of the parties to an action.</p><p><br /></p><p><b>Late Charge</b></p><p>The penalty a borrower must pay when a payment is made after the due date.</p><p><b><br /></b></p><p><b>Lender Paid Mortgage Insurance (LPMI)</b></p><p>Insurance in which the cost of the mortgage insurance is included in the interest rate. Although the interest rate is slightly higher with LPMI, this option usually results in a lower monthly payment and a larger tax deduction*. *Consult your tax advisor</p><p><b><br /></b></p><p><b>Lien</b></p><p>A legal claim or attachment against property as security for payment of an obligation.</p><p><b><br /></b></p><p><b>Lifetime Cap</b></p><p>A provision of an ARM that limits the total increase in interest rates over the life of the loan.</p><p><b><br /></b></p><p><b>Liquidity</b></p><p>The ability to readily convert assets or investments to cash.</p><p><b><br /></b></p><p><b>Loan-To-Value Ratio</b></p><p>The ratio between the amount of a given mortgage loan and the lower of sales price or appraised value.</p><p><b><br /></b></p><p><b>Lock-in Period</b></p><p>A specified number of days before loan closing during which the range of rates available to a borrower is protected from financial market fluctuations in interest rates. Locking does not guarantee what specific rate will apply at closing, as that depends on specific transaction characteristics and the borrower's credit profile.</p><p><b><br /></b></p><p><b>London Interbank Offered Rate (LIBOR)</b></p><p>The rate at which banks in the foreign market lend dollars to one another. LIBOR varies by deposit maturity. A common interest rate index; one of the most valid barometers of the international cost of money.</p><p><b><br /></b></p><p><b>Loss Payable Clause</b></p><p>An insurance policy provision for payment of a claim to someone other than the insured, who holds an insurable interest in the insured property.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-Erm0Uusnn6A/YSVZYwdDpKI/AAAAAAACcKs/1ZPjZhRBHW8bmMbLGr461F4oPCpYHJOFQCLcBGAsYHQ/s1000/shutterstock_1667120914.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="266" src="https://1.bp.blogspot.com/-Erm0Uusnn6A/YSVZYwdDpKI/AAAAAAACcKs/1ZPjZhRBHW8bmMbLGr461F4oPCpYHJOFQCLcBGAsYHQ/w400-h266/shutterstock_1667120914.jpg" width="400" /></a></div><p><br /></p><p>Now that you're more informed on what some of the commonly used mortgage terms mean, keep it up! Follow us on our social media channels listed below to stay up to date on our latest part in this blog series. Have any questions? Give us a call at the phone number listed below.</p><p><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-34147287684444449302021-08-20T12:45:00.000-07:002021-08-20T12:45:05.441-07:00Online Shopping Safety Tips <p>Our <b><a href="https://www.fblake.bank/" target="_blank">bank at the Lake of the Ozarks</a></b> CARES about our customers. This is why we put helpful blogs like this together for you. Keep reading this week's blog to learn a few online shopping safety tips. <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> puts YOU first.</p><p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-zDDKiexd4bI/YRwACez3kgI/AAAAAAACcD4/Bylhv8NFC48AT8RyC58LwnpS89aBVD1FwCLcBGAsYHQ/s2048/shutterstock_519084922.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1365" data-original-width="2048" height="266" src="https://1.bp.blogspot.com/-zDDKiexd4bI/YRwACez3kgI/AAAAAAACcD4/Bylhv8NFC48AT8RyC58LwnpS89aBVD1FwCLcBGAsYHQ/w400-h266/shutterstock_519084922.jpg" width="400" /></a></div><br /><p></p><h2 style="text-align: left;">Online Shopping Safety Tips </h2><p><br /></p><p>The internet has made it simple and seamless to visit an online store, browse through its numerous options, add a product or two to a shopping cart, and click to buy. This simplicity led many of us to only increasingly shop online during the pandemic, and scammers have taken note. According to the Better Business Bureau’s 2020 Scam Tracker Risk Report, online purchase scams were the most-reported scams of the year.</p><p><br /></p><p>Scammers have your online shopping habits on their radar. Here's what to look for:</p><p><br /></p><p><b>Unreal deals.</b></p><p>Scammers may lure you in with a deeply discounted offer that seems too good to be true, only to tack on fees or fake COVID-related costs once you make the first payment.</p><p><br /></p><p><b>Unknown sellers.</b> </p><p>Anyone can set up an online shop or post an ad on social media. If you can, have a video call with the seller to meet them and see what you’re buying, especially if it’s a big-ticket item.</p><p> </p><p>Did you know... A spike in pet scams followed the start of the pandemic. If you are looking for a pet, please consider supporting your local animal shelter and adopting to help ensure a safe experience.</p><p><b><br /></b></p><p><b>Pressure to buy. </b></p><p>Be wary of any seller who pressures you to buy right away or asks you to pay using a digital payment app, wire transfers, or even gift cards — none of which provide payment protection. Use a credit card if you can.</p><p><b><br /></b></p><p><b>Bad reviews. </b></p><p>Do an online search on the seller, product, and related scams by using terms like “review,” “complaint,” or “scam”. No reviews can be a red flag too. Get a second opinion from a friend or family member.</p><p></p><ul style="text-align: left;"><li>Shop on secure websites — look for HTTPS in the URL.</li><li>Research on the website or seller before placing an order.</li><li>Read the site’s privacy and security policies.</li><li>Consider paying with a credit card, which may have better payment protections.</li><li>Never give out your social security number.</li><li>Check your account history periodically to make sure there are no fraudulent transactions.</li></ul><p></p><p>If you suspect any fraudulent activity on your First Bank of the Lake account or debit card, call us immediately at 573.348.2265.</p><p></p><ul style="text-align: left;"><li>Check your credit report periodically. Consumers can request one free copy of his or her credit report every year. Reviewing your credit report can help you find out if someone has opened unauthorized financial accounts, or taken out unauthorized loans, in your name.</li></ul><p></p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-TH76oifUuhI/YRwARITPDbI/AAAAAAACcD8/lnnsOhrZp0wdZGw8jfQRX8MRFn9BO84swCLcBGAsYHQ/s2048/shutterstock_1687056202.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1516" data-original-width="2048" height="296" src="https://1.bp.blogspot.com/-TH76oifUuhI/YRwARITPDbI/AAAAAAACcD8/lnnsOhrZp0wdZGw8jfQRX8MRFn9BO84swCLcBGAsYHQ/w400-h296/shutterstock_1687056202.jpg" width="400" /></a></div><p><br /></p><h2 style="text-align: left;">We’re Here to Help</h2><p>If you have any additional questions about banking safety, please contact us at 573.348.2265 or email info@fblake.bank. Be sure to follow us on our social media channels listed below to stay up to date on our latest announcements and tips. We put you first!</p><p><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div><p><br /></p>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-67032613520068566832021-08-13T12:47:00.000-07:002021-08-13T12:47:58.927-07:00Business & Industry Financing - Financing options for businesses in rural areas!<p>Our <b><a href="https://www.fblake.bank/" target="_blank">bank at the Lake of the Ozarks</a></b> truly cares about the growth and well-being of our local economy. Small businesses are the backbone of this economy. From time to time, businesses NEED financial help. That's where we come in. <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> is here to tell you all about the financing options we have for businesses in rural areas, in this week's blog. If you have any questions, please call 573.348.2265.<br /><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-du0Y3Qa3LfM/YRK-TRX0AMI/AAAAAAACb6U/oFiEEJUbpoEvI4Ryr1ExRX9odi_0yVHgwCLcBGAsYHQ/s2048/shutterstock_455398108.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1439" data-original-width="2048" height="281" src="https://1.bp.blogspot.com/-du0Y3Qa3LfM/YRK-TRX0AMI/AAAAAAACb6U/oFiEEJUbpoEvI4Ryr1ExRX9odi_0yVHgwCLcBGAsYHQ/w400-h281/shutterstock_455398108.jpg" width="400" /></a></div><p><br /></p><h2 style="text-align: left;">Business & Industry Financing - Financing options for businesses in rural areas!</h2><p><br /></p><p>If you’re located in a rural community and need commercial funding but are not sure where to begin, a USDA Business and Industry Loan may be just what you need. </p><p><br /></p><p>This program is specifically designed to provide business loans in rural areas and help strengthen our local economy by giving you the tools to thrive.</p><p><br /></p><p>As a USDA Business & Industry (B&I) Loan provider, we’re proud to help qualified businesses work towards their goals of developing, improving and providing a source of employment for the area. You’re working hard to make the local community a better place and as your lending partner, we work hard to do whatever we can to help support you.</p><p><br /></p><p>Let us guide your financing to help build rural America together.</p><p><br /></p><p>A borrower must be engaged in or proposing to engage in a business that will: </p><p></p><ol style="text-align: left;"><li>Provide employment;</li><li>Improve the economic or environmental climate;</li><li>Promote the conservation, development, and use of water for aquaculture; or</li><li>Reduce reliance on nonrenewable energy resources by encouraging the development and construction of solar energy systems and other renewable energy systems.</li></ol><p></p><p>From business and industrial acquisitions to conversions, and many things in between, this government-backed loan offers your business accommodating financing options.</p><p><br /></p><p>Take advantage of fixed or variable rate options through the USDA B&I program.</p><p></p><ul style="text-align: left;"><li>Longer terms for cash flow enhancement</li><li>Lower down payments</li><li>Local decision-making and processing</li><li>Streamlined underwriting and closing process</li></ul><p></p><p>Plus, with First Bank of the Lake you’ll enjoy:</p><p></p><ul style="text-align: left;"><li>Expert support and advice</li><li>Quick Response</li><li>Flexible Options</li><li>Experienced Underwriters</li></ul><p></p><p>From start to finish, we’re here for you!</p><p>You’ll have the support of a nationwide lender with an experienced underwriting and closing team. We’re ready to guide you through each transaction.</p><p></p><ul style="text-align: left;"><li>Deal Dynamics and Structuring</li><li>Due Diligence Process</li><li>Industry Insights</li></ul><p></p><p>Ideas can grow into a thriving company, expand into new markets, and take your business to the next level of success. </p><p>Talk to us about your business and where you want to go. We can help you get there. Find out what it’s like to work with a bank who puts you first.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-4iv5qP2DCMM/YRK-pPU8JlI/AAAAAAACb6c/2Jbi224gsX0qPsxsY-As43B_MnqqeivPgCLcBGAsYHQ/s2048/shutterstock_1107695867.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1367" data-original-width="2048" height="268" src="https://1.bp.blogspot.com/-4iv5qP2DCMM/YRK-pPU8JlI/AAAAAAACb6c/2Jbi224gsX0qPsxsY-As43B_MnqqeivPgCLcBGAsYHQ/w400-h268/shutterstock_1107695867.jpg" width="400" /></a></div><p><br /></p><p>If you'd like to learn more about this, please give us a call at the phone number listed below. Don't let the fear of starting something new keep you from following your dreams of starting a new business! Be sure to follow us on our social media channels listed below to stay up to date on our latest financial solutions we offer!</p><p><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-63155856475123823642021-08-03T11:59:00.003-07:002021-08-04T06:46:39.849-07:00USDA Loans - Growing and creating job opportunities by backing local business!<p>USDA Loans - you've likely heard this term before, but did you fully understand what they are and how they may be of good use to you? If not, this is the blog for you! Our <b><a href="https://www.fblake.bank/" target="_blank">bank at the Lake of the Ozarks</a></b> is here to simply what USDA Loans are for you and break down the benefits of them, in this week's blog. If you have any questions, please do not hesitate to call us at (573) 348-2265. <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> Puts You FIRST.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-R-_NlfTzW8Q/YQmRtnoCWGI/AAAAAAACbxQ/9q8d1JvP-W0cnyKIf-hQLQANEIdjWaAPgCLcBGAsYHQ/s2048/shutterstock_1987279319.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1536" data-original-width="2048" height="300" src="https://1.bp.blogspot.com/-R-_NlfTzW8Q/YQmRtnoCWGI/AAAAAAACbxQ/9q8d1JvP-W0cnyKIf-hQLQANEIdjWaAPgCLcBGAsYHQ/w400-h300/shutterstock_1987279319.jpg" width="400" /></a></div><br /><p><br /></p><h2 style="text-align: left;">USDA Loans - Growing and creating job opportunities by backing local business!</h2><p><br /></p><p>We’re more than lenders. We’re your lending partner.</p><p>As a nationwide lender, we have the resources and extensive experience to tailor solutions for your business.</p><p>Our goal is to support your vision with financing that makes good business sense. If you’re looking to start or expand your business, we offer loans that are designed to meet your needs.</p><p><br /></p><p>You specialize in business. We specialize in business financing.</p><p>Small businesses make a big impact on our economy, our communities, and our families. When businesses are strong and growing, communities thrive. It makes good sense to support businesses with accessible financing to support these rural communities. First Bank of the Lake has the experience to help you fund your vision of owning or growing a business with government-backed loans through the U.S. Department of Agriculture (USDA).</p><p><br /></p><p>The USDA provides loans to local businesses for projects that create and retain employment in rural areas. Providing an opportunity for stability, growth and expansion to new or existing businesses in communities of 50,000 people or less.</p><p><br /></p><p>The specialized financing team at First Bank of the Lake is well-versed in USDA financing solutions suited to fit your business’ needs. We have worked to secure funding for rural businesses across the country and continue to support these communities with the help of USDA programs. Your business requires your full-time attention and you need to be able to rely on the skills and expertise of a lending team that is familiar with the ins and outs of USDA programs.</p><p><br /></p><p>Let us guide your financing to help build rural America together.</p><p><br /></p><p>Thriving businesses are important and not just in big cities. Rural businesses are the lifeblood of our small towns and play an essential role across the country.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-DmYeWNq1tdc/YQmSHw8DULI/AAAAAAACbxY/VIAb01N2T8Yb1_bv-dGgDZ6ZKkIsvRCmgCLcBGAsYHQ/s2048/shutterstock_484960093.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1877" data-original-width="2048" height="366" src="https://1.bp.blogspot.com/-DmYeWNq1tdc/YQmSHw8DULI/AAAAAAACbxY/VIAb01N2T8Yb1_bv-dGgDZ6ZKkIsvRCmgCLcBGAsYHQ/w400-h366/shutterstock_484960093.jpg" width="400" /></a></div><p><br /></p><h2 style="text-align: left;">Want to Learn More?</h2><p>Let's take a look and see which type of USDA loan may be best for you! Speak with one of our <b><a href="https://www.fblake.bank/" target="_blank">lenders at the Lake of the Ozarks</a></b> today! We can be reached at the phone number listed below. Want to stay in-the-know on the latest USDA loans we are offering here? Follow us on our social media channels listed below.</p><p><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div>Unknownnoreply@blogger.com2Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-85113647383067612312021-07-29T16:07:00.000-07:002021-07-29T16:07:11.395-07:00Common Mortgage Terms to Know: Part 7<p>The real estate market is currently very tough on buyers BUT people are still buying homes at the Lake of the Ozarks. That being said, it's important as a buyer, that you have a <b><a href="https://www.fblake.bank/" target="_blank">mortgage lender at the Lake of the Ozarks</a></b> that can act quickly and you can count on! <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> is here to give you a few more mortgage terms that are important to know, in this week's blog.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-4DHMbivPml4/YQBTz9W5j5I/AAAAAAACbk4/Qy7V5_hehbo7dOnzv6teDC8ElDJ10HO2QCLcBGAsYHQ/s2048/shutterstock_1433881208.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1365" data-original-width="2048" height="266" src="https://1.bp.blogspot.com/-4DHMbivPml4/YQBTz9W5j5I/AAAAAAACbk4/Qy7V5_hehbo7dOnzv6teDC8ElDJ10HO2QCLcBGAsYHQ/w400-h266/shutterstock_1433881208.jpg" width="400" /></a></div><p><br /></p><h2 style="text-align: left;">Common Mortgage Terms to Know: Part 7</h2><p><br /></p><p><b>Hazard Insurance</b></p><p>A contract whereby an insurer, for a premium, undertakes to compensate the insured for loss on a specific property due to certain hazards (i.e. fire).</p><p><br /></p><p><b>Home Equity Line of Credit</b></p><p>A form of revolving credit in which your home serves as collateral.</p><p><br /></p><p><b>Homeowner's Insurance</b></p><p>An insurance policy that combines liability coverage and hazard insurance.</p><p><br /></p><p><b>Homeowner's Policy</b></p><p>A multiple peril insurance policy available to owners of private dwellings which covers the dwelling and its contents, as well as personal liability.</p><p><br /></p><p><b>Homeowners' Association Dues</b></p><p>The fees imposed by a condominium or homeowners' association for maintenance of common areas.</p><p><br /></p><p><b>Housing Expense Ratio</b></p><p>The relationship of a borrower's monthly payment obligation on housing PITI(principal, interest, taxes, insurance) and other applicable housing expenses, divided by gross monthly income, expressed as a percentage. Also called the top ratio.</p><p><br /></p><p><b>In File Credit Report</b></p><p>Unverified credit report which may contain unchecked, duplicated, or overlapping data. It is often used for a quick look at a prospective borrower's credit history.</p><p><br /></p><p><b>Income/Expense Ratio</b></p><p>A qualifying ratio used in underwriting a residential mortgage loan which computes the percentage of monthly income required.</p><p><br /></p><p><b>Index</b></p><p>A published interest rate, such as the prime rate, LIBOR, T-Bill rate, or the COFI(Cost of Funds Index). Lenders use indexes to establish interest rates charged on mortgages or to compare investment returns. On ARMs, a predetermined margin is added to the index to compute the interest rate adjustment.</p><p><br /></p><p><b>Installment</b></p><p>The periodic payment that a borrower agrees to pay a mortgage lender.</p><p><br /></p><p><b>Insured Loans</b></p><p>A loan insured by HUD-FHA or a private mortgage insurance company.</p><p><br /></p><p><b>Interest</b></p><p>Consideration in the form of money paid for the use of money. Also a right, share or title in property.</p><p><br /></p><p><b>Interest Rate</b></p><p>The percentage of an amount of money which is paid for its use for a specified time.</p><p><b><br /></b></p><p><b>Interest Rate Cap</b></p><p>A provision of an ARM limiting how much interest rates may increase per adjustment period. See also Lifetime cap.</p><p><b><br /></b></p><p><b>Investment Property</b></p><p>Real estate owned with the intent of supplementing income and not intended for owner occupancy.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-aYTPNyDSwwo/YQBUBU6x7HI/AAAAAAACbk8/cJL5uZc40oUauHDSJHqN2aRYPqyW4fTTQCLcBGAsYHQ/s2048/shutterstock_1716352711.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1152" data-original-width="2048" height="225" src="https://1.bp.blogspot.com/-aYTPNyDSwwo/YQBUBU6x7HI/AAAAAAACbk8/cJL5uZc40oUauHDSJHqN2aRYPqyW4fTTQCLcBGAsYHQ/w400-h225/shutterstock_1716352711.jpg" width="400" /></a></div><h2 style="text-align: left;"><br /></h2><h2 style="text-align: left;">Have A Question About Finding A Mortgage?</h2><p>We're here for you! <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> puts YOU first. Going through the mortgage process for the first time can be really tough. We can help you through it. Give us a call at the number listed below for more information. You can follow us on our social media channels listed below to stay up to date on our latest announcements.</p><p><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-72478124181374262222021-07-20T11:11:00.000-07:002021-07-23T11:39:27.386-07:00Mobile Banking Safety Tips<p>Mobile Banking can save you SO much time! It is such a convenience. Our <b><a href="https://www.fblake.bank/" target="_blank">bank at the Lake of the Ozarks</a></b> is here to give you a few mobile banking safety tips, in this week's blog. Security and privacy of your personal information is our priority! We are committed to helping ensure the safety of your financial identity, your financial assets, and your personal information, but we need your help. Protect your identity and stay safe online! <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> Puts Your First!</p><p><br /></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-lXIwqdLSF28/YPcPmIaCa0I/AAAAAAACbZQ/irxmUV7Jia07ae7rQ97mVNEghlTYoFq0wCLcBGAsYHQ/s2048/shutterstock_444983539.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1365" data-original-width="2048" height="266" src="https://1.bp.blogspot.com/-lXIwqdLSF28/YPcPmIaCa0I/AAAAAAACbZQ/irxmUV7Jia07ae7rQ97mVNEghlTYoFq0wCLcBGAsYHQ/w400-h266/shutterstock_444983539.jpg" width="400" /></a></div><br /><b><br /></b><p></p><p><b>Here are some precautions and safety tips for safe and secure mobile banking.</b></p><p></p><ul style="text-align: left;"><li>Be proactive in protecting your smartphone and/or tablet by installing anti-malware software on the device.</li><li>Research any application (app) before you download it. Fraudulent apps are often designed with names that look like real apps. It’s best if you access an app using a link from the provider’s website.</li><li>Use an auto-lock or time-out feature so your device will lock when it is left unused for a certain period of time.</li><li>Upgrade your device to the latest operating system version.</li><li>Do not jailbreak or root your mobile device. Doing so exposes the security controls and makes your device vulnerable to cyber-attacks.</li><li>Check your account history periodically to make sure there are no fraudulent transactions.</li><li>Take precautions in case your device is lost or stolen. Avoid leaving your device unattended in public places.</li><li>Consult your wireless provider to see if they provide a service to remotely erase your device or turn off access to your device and/or account in the event your device is lost or stolen.</li><li>Always conduct your transactions in a safe environment. Use your cellular service or your own internet provider rather than unsecured/public Wi-Fi networks like those offered at coffee shops.</li><li>Don’t send account numbers or PIN numbers in emails or text messages, because those methods are not necessarily secure.</li><li>Delete apps and information before you retire or hand over your unneeded phone. If you are upgrading your phone or giving it to someone else, be sure to delete your personal information. This includes deleting any apps that connect your financial institutions or private data.</li><li>If you lose your phone – contact us. If you were to lose your debit card, you would call to let us know. The same applies if you lose your phone. We can provide you steps on how to disable mobile banking.</li></ul><div><br /></div><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-xs13-iPHCr4/YPcP2wun1MI/AAAAAAACbZY/SaK9x9DXV3AANer9pWLacNCD1N4cUT_NACLcBGAsYHQ/s2048/shutterstock_723594778.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1356" data-original-width="2048" height="265" src="https://1.bp.blogspot.com/-xs13-iPHCr4/YPcP2wun1MI/AAAAAAACbZY/SaK9x9DXV3AANer9pWLacNCD1N4cUT_NACLcBGAsYHQ/w400-h265/shutterstock_723594778.jpg" width="400" /></a></div><p><br /></p><h2 style="text-align: left;">We’re Here to Help!</h2><p>If you have any additional questions about mobile banking safety, please contact us at 573.348.2265 or email info@fblake.bank. We want you to feel good about any service that we offer you! We won't try to sell you on something you don't need. Be sure to follow us on our social media platforms listed below to stay up to date on our latest products we offer.</p><p> </p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236tag:blogger.com,1999:blog-1659367825640539124.post-70190281802145843042021-07-13T11:16:00.003-07:002021-07-15T11:33:42.143-07:00SBA 7(a) vs. 504: Which is Right for You?<p>Are you a business owner? If so, you should be proud of your accomplishment of starting and running a successful business! Doing this in today's economy can be one of the most challenging things in life. That being said, our <a href="https://www.fblake.bank/" target="_blank"><b>bank at the Lake of the Ozarks</b></a> is here to give you some valuable information on loan types for your business you may find beneficial, in this week's blog. If you have any questions, please do not hesitate to call our SBA loan specialists at <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> today!</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-MWfnhLwVmJM/YO3YEV9VO7I/AAAAAAACbOI/FaP4a7vOjus_bNwfX_P4PW5sx6POU_jrwCLcBGAsYHQ/s2048/shutterstock_1414441289.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1365" data-original-width="2048" height="266" src="https://1.bp.blogspot.com/-MWfnhLwVmJM/YO3YEV9VO7I/AAAAAAACbOI/FaP4a7vOjus_bNwfX_P4PW5sx6POU_jrwCLcBGAsYHQ/w400-h266/shutterstock_1414441289.jpg" width="400" /></a></div><p><br /></p><h2 style="text-align: left;">SBA 7(a) vs. 504: Which is Right for You?</h2><p><br /></p><p>Trying to decide what type of loan is best for your business can be confusing.</p><p>With all the rules, guidelines and regulations, it’s easy to get overwhelmed. But with the right information, you can confidently choose the best loan program for your specific business needs. </p><p>At First Bank of the Lake, we are proud to offer government-guaranteed Small Business Administration (SBA) 7(a) and 504 loans.</p><p><br /></p><p><b>When should you consider the SBA 7(a) loan?</b></p><p>The 7(a) loan is the SBA’s most popular loan program for small business owners and many who would not otherwise qualify for a conventional small business loan find that they qualify for the SBA 7(a) program. While many people mistakenly think that this loan is only for those starting a new business, the SBA 7(a) loan is also an excellent financing tool for those who want to expand an established business, buy an existing business, purchase a building, or finance a construction project.</p><p><br /></p><p><b>When should you consider the SBA 504 loan?</b></p><p>Unlike the 7(a) loans, the SBA 504 loan program is more specific in terms of what you can use the funding for. Created by the SBA to support and encourage small business growth, the funds from this loan must be allocated toward fixed assets such as commercial real estate and equipment. These loans have low down payments and interest rates.</p><p>If you’re purchasing an existing building, expanding or building a new construction, the SBA 504 loan allows business owners to finance construction costs, closing costs and soft costs, including architectural fees, engineering, fees, surveys, title insurance and more within the loan. Machinery, equipment, furniture, fixtures, signage, landscaping and parking lots and equipment can also be included. This allows borrowers to retain more of their working capital for other expenses.</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-hOI5AoVtMHg/YO3YWbXR78I/AAAAAAACbOQ/hDLev3kzM6gRXfmDbEwPrJKF56w7G3EEwCLcBGAsYHQ/s2048/shutterstock_191455970.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1365" data-original-width="2048" height="266" src="https://1.bp.blogspot.com/-hOI5AoVtMHg/YO3YWbXR78I/AAAAAAACbOQ/hDLev3kzM6gRXfmDbEwPrJKF56w7G3EEwCLcBGAsYHQ/w400-h266/shutterstock_191455970.jpg" width="400" /></a></div><p><br /></p><p>If you’re unsure which program would be best for your business, remember that you do not need to go through this process alone.</p><p>Contact an experienced SBA Preferred Lender like <b><a href="https://www.fblake.bank/" target="_blank">First Bank of the Lake</a></b> to discuss your options. We are here for you and we put YOU first! You can also learn more about this process by visiting our website <b><a href="https://www.fblake.bank/for-business/sba-7-a--vs-504" target="_blank">HERE</a></b>. Be sure to follow us on our social media channels listed below to stay up to date on our latest announcements and the newest products we offer that your business can benefit from.</p><p><br /></p><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><b style="font-family: verdana, sans-serif; font-size: x-large;"><i><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">Want More Awesome Finance Tips? Sign Up For Our Newsletter!</a></i></b></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s1759/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1196" data-original-width="1759" src="https://1.bp.blogspot.com/-sD5ULVIToAw/X3OLuFBVXpI/AAAAAAACRj4/4dFiO_Y_qxMGOA9BiyzimQ3u787kdOYqACLcBGAsYHQ/s320/FBOL_Exterior_Fall2020%2B%2528002%2529.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="text-align: center;"><span face=""><b><a href="https://www.fblake.bank/" style="color: #007ec6;" target="_blank">First Bank of the Lake</a> - </b><b><i>Striving For Excellence</i></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><b>Member FDIC. </b></span><br /><span face=""><b><br /></b></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><div class="separator" style="clear: both;"><a href="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="color: #007ec6; margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="66" src="https://1.bp.blogspot.com/-qMUmexjdy3w/XrLvHnkU5XI/AAAAAAAAGuk/l4hosX3pJV4BpLkTUqP6FDeZca-6xql_ACLcBGAsYHQ/s1600/EHL_black_small%2B%2528002%2529.png" style="border: none; position: relative;" /></a></div><span face=""><br /></span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://www.facebook.com/pages/First-Bank-of-the-Lake/842895915792067?sk=timeline" style="color: #007ec6;" target="_blank"><span face="">Like Us On Facebook</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><a href="https://twitter.com/FirstBankLake" style="color: #007ec6;" target="_blank"><span face="">Follow Us On Twitter</span></a></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><div style="text-align: center;"><span face=""><a href="https://www.linkedin.com/company/first-bank-of-the-lake" style="color: #007ec6;" target="_blank">Connect With Us On LinkedIn</a></span><br /><i><br /></i><i>Located at the entrance to the Osage Beach Premium Outlets!</i></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px;"><span face=""></span><br /><div style="text-align: center;"><span face="">4558 Osage Beach Parkway</span></div><span face=""></span><br /><div style="text-align: center;"><span face="">Suite 100</span></div><div style="text-align: center;"><span face="">Osage Beach, MO 65065</span></div></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; text-align: center;"><span face=""><br /></span></div><div style="background-color: white; color: #606060; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14.85px; margin: 0px;"><div style="text-align: center;"><span face="">(573) 348-2265</span></div></div>Unknownnoreply@blogger.com0Osage Beach, MO 65065, USA38.1280947 -92.66857369.8178608638211529 -127.8248236 66.438328536178844 -57.5123236