Security Letter

We recognize that everyone suffers the occasional drop in confidence, and in the midst of an economic turbulence the likes of which few of us have seen, we wanted to make sure you know that if you have concerns or worries, you can always feel free to talk to us. We also wanted to put your mind at ease and let you know why your money is secure with the Bank of Millbrook.

As a community bank, our primary focus is the growth of our area and its residents. We don’t construct or participate in the overly complex and risky financial instruments that have staggered our economy. Rather, our capital concerns revolve around prudent lending to qualified borrowers who we believe will make a strong contribution to the region. In that practice, we have consistently enjoyed excellent returns, both fiscally and for the community on the whole.

While a liquidity crisis has affected banks on international level, our favorable capitalization and our highly specialized focus means that we continue to make funds available for home loans, car loans and business loans. We know that we are stronger when you are stronger, and we will continue to do all we can to help.

Bank of Millbrook deposit accountsYour funds deposit accounts, of course, are insured by the FDIC. With recent changes from Congress, that means they are insured in full up to $250,000.

When it comes to your money and your security, we have always taken a conservative and careful approach. Bauer Financial, Inc. gave us their Superior Five Star rating because of that approach. Our commitment to you is that we will always do business that way.

Again, if you have any concerns or questions, please give us a call. We’ll be here.

George T. Whalen III