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SPRING 2017

Member Focused. Community Minded.

Spectacular NEW LOANS or REFINANCES

APRIL, MAY & JUNE

From Another Lender

Model Years

Model Years

2010 - 2017

2005 - 2009

1.99% APR 2.99% APR

60 MONTHS

60 MONTHS

SPECIALS!

2012 - 2017 model years also qualify for: 2.49% APR 72 months Min. finance amount $7,500.00 2.99% APR 84 months Min. finance amount $10,000.00

ASK ABOUT OUR GAP INSURANCE

(Guaranteed Auto Protection)

Our Policy Offers The Best Rate Around ? Only $250.00!

QUALIFY FOR A CHANCE TO WIN A

$100 VISA GIFT CARD!

One drawing at the end of each month!

Vehicle refinances do not apply to loans already financed with B & I.

HOME EQUITY

LOAN SPECIAL!

New flooring, new swimming pool, or whatever home

improvement project you may want to undertake....

SEE US FOR YOUR FINANCING!

$10,000 Minimum Loan Amount (we'll pay $285 towards closing fees). Pay 100% in most instances.

First 5 years is a line of credit (use only what you need, when you need it) Based on 85% LTV APR = annual percentage rate...all loan types are subject to

credit$1$01,A000ipT0n0wrhVitilHehl,Ilte2MSoornmAmecadcleyoGoeMnisE&ivefteeqhtamJuCsauiboatnyefrerdL!oan

approval...NMLS#644148...B & I is an Equal Housing Lender.

We've "Trimmed Down" Our Lawnmower Rates!

8.00% APR!

Borrow as little as $300.00 or as much as $5,000.00 Minimum payment $50.00 per month Maximum term 36 months

eStatements...

View, download and print account statements online!

Did you know that almost 85% of identity theft begins with a stolen paper statement?

Sign up for eStatements and receive your account statements electronically. Your statements are securely archived and you'll receive an email alert when your latest statement is ready to view. No more statements sitting in your mailbox. Aside from saving paper and helping the environment, you'll receive your statement faster and reduce paper clutter.

eStatements are available when you enroll in our "Perfect Teller" Home Banking. See back page about our "Perfect Teller" Home Banking.

MORE GREAT FINANCING DEALS!

Hit The Open Road With Our Low Motorcycle Rates!

Retiring Volunteer Board Members Were

Recognized at Our 57th Annual Meeting

New 2017 ? 2.49% APR

(10,000 miles or less) 60 mos. financing $10,000 min.

2014-2017 ? 2.99% APR

$10,000 min. 60 mos. financing 48 mos. financing $5,000 ? $9,999.99

2009-2013 ? 3.99% APR

48 mos. financing $7000 min. 36 mos. financing $3000-$6,999.99 min.

APR = annual percentage rate. Loans subject to credit approval.

WILLIAM DAVIDSON (left) ? 28 years and BUDDY ANTLE ? 24 years

Thank You Again For Your Service!

SKIP-A-PAY

Sometimes life happens

and you just

Home Banking

There's so much you can do with our "Perfect Teller" Home Banking, such as:

need a little

? Make loan payments

wiggle room

? Make VISA credit card payments

in your budget. That's why you

? Check account activity

may want to participate in our

? Obtain dividend and interest

Skip-A-Payment Program. Log in

information

to our website

? View and print account histories

and click on the Skip-A-Payment Form link Learn More... then just follow the easy application instructions.

? And more. It's easy to get started! Enroll online at . Click on Home Banking!

After enrolling...GO MOBILE with our mobile app at:

Or, stop by either branch office to

pick up a form. Skip your loan payment and breathe easy!

Make sure you also sign up for our FREE "Billpay" after enrolling in our Home Banking.

Traveling Outside Your Normal Commute Area?

If so, notify us to make sure you'll be able to use your PIN number for ATM and Debit Card transactions. You should memorize your PIN number and store it in a safe place. Your PIN number should never be stored with or near your ATM, Debit Card or Charge Card. PIN numbers are required on many out of state purchases.

1st Mortgages

See us if you're looking to buy or refinance.

Competitive Rates

CONVENTIONAL FHA ? VA ? USDA

PASSWORDS:

Installing a password on your home computer limits who can gain access. So never use a password that is easy for others to guess, such as birth dates, Social Security numbers, or the name of your child or pet. Instead use a password that contains a variety of letters, numbers and symbols. It's a good thing to change your password regularly on Home Banking or any other internet based program.

IMPORTANT NOTICE

If you move, please request a change of address form by mail or come in and sign a form at one of our offices. Also, if you have signed

up for eStatements, please let us know if your email address changes or is no longer working!

Don't Let Your Account

Become Dormant!

Making a deposit or withdrawal once within every six-month period will keep your account active with B & I

and avoid a dormant account fee.

STATUTORY LIEN NOTICE: The following is advance notice of our right to impress a statutory lien which is being disclosed to all our members by means of this newsletter and may be enforced without additional notice.

STATUTORY LIEN: If you are in default on a financial obligation to us, federal law gives us the right to apply the balance of shares and dividends in your account/s at the time of default to satisfy that obligation. Once you are in default, we may exercise this right without further notice.

HOLIDAY CLOSINGS:

MEMORIAL DAY Monday, May 29th

INDEPENDENCE DAY Tuesday, July 4th

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