new peoples bankshares guidebook

Looking
Forward
2015 Guide Book
New Peoples Bank
Core Values
TABLE OF
CONTENTS
President’s Letter . . . . . . . . . . . . . . . .
Integrity - We will do what is right in accordance
with law and strong moral values.
3
Trust - Trust is the foundation of all successful
relationships. We will earn our customers' trust.
Board of Directors . . . . . . . . . . . . . . .
4
Commitment - We keep our commitments.
Confidentiality - Our customers' business is
confidential…period!
Executive and
Senior Management . . . . . . . . . . . . .
5
Success - When we help our customers succeed, we
succeed together.
Respect - We will treat every person, regardless of
Personal Banking Services
GenGold . . . . . . . . . . . . . . . . . . . . . . . .
6
gender, age, or race with respect and dignity.
Motivation - Many of our employees are owners in
Intelligent Deposit ATM Services
Electronic Services . . . . . . . . . . . . . .
Business Banking Services . . . . . . .
7
8
the Bank; owners are highly motivated to provide
unparalleled personal service.
Safety and Soundness - We will operate in a
safe and sound manner.
Innovation - We will provide innovative products
and competitive pricing.
Agricultural Services . . . . . . . . . . . . . 9
Communication - We are dedicated to consistent &
open communication with our customers.
Insurance and
Financial Services . . . . . . . . . . . . . . .
10
Branch Locations . . . . . . . . . . . . . . . .
11
Training - We believe in continuing education &
training to be the best in serving our customers'
financial needs.
Enrichment - We will strive to make our
community a better place to live.
Letter from the President
Dear Valued Customer,
Our mission statement begins out as “The mission of New Peoples Bank is to provide high
quality, state of the art, Golden Rule Banking services…” There is more to our mission
statement, but when it comes to how we serve you, this encapsulates it all. The key principle
in our mission is Golden Rule Banking.
Some may ask what is Golden Rule Banking? Is it the belief that we have the gold, so we
make the rules? Well, there is some merit to that; but there is a deeper meaning to it, one that
dictates the manner in which we strive to serve our customers.
The Golden Rule basically is the idea that people should treat others in the same way that
they themselves would like to be treated…"Do unto others as you would have them do unto
you." It is the highest form of service that a person can offer, because it is serving with the
same desire that we would like to be served.
We believe that our Golden Rule approach sets us apart from our competition, because the key differentiating factor we
offer to our customers is the degree of quality service that we provide. We strive for excellence to serve you.
An acrostic to help you understand the Golden standard that we aim for in serving you is as follows:
G - Give first priority to the customer. Our customers are why we are here. We are here to help them with their financial needs. We
will greet them promptly, respond promptly to their questions, calls, emails, etc. and strive to make them feel like they are number 1,
because they are.
O - Own the relationship. In the role that our employees serve at the bank, we develop and cultivate relationships. We see the relationship
with our customers as our responsibility to develop and grow so that our customer has a banker that is concerned about their
concerns and can help to meet their financial needs. In owning the relationship, we understand our role. Our role is to help our
customers by knowing them, knowing what our customer needs, knowing the services and products that we offer and knowing our
jobs well. We continually seek to gain the knowledge that is needed to develop a deeper relationship with our customers so that their
financial needs are met.
L - Listen well. We strive to listen to what the customer is saying, or not saying. When we listen to their needs, we will know how best
to respond and to serve them.
D - Deliver. Deliver what they need promptly, correctly, and efficiently. We will keep our promises, manage expectations and deliver
what our customers need. We care about the finished product that we are providing to our customer and deliver it so that they are
completely satisfied.
Encourage.
We aim to encourage our customers by being positive and uplifting, wherein we keep a positive outlook and cultivate an
E
atmosphere that the customer is comfortable and satisfied. We offer nearly everything that the larger banks do and we will
encourage our customers to use our other services as they relate to their needs. We even offer insurance services and financial
services. We want to encourage our customers to make us their primary financial service provider in all of these areas.
N- Never forget to say “Thank You.” We will not neglect to express our appreciation for the customer doing business with us. We truly
appreciate their business.
I believe if we do these 6 things, we are practicing Golden Rule Banking at its best.
Thank you for choosing New Peoples Bank as your financial service provider. As you will see in this Guide Book, we provide
solutions to nearly every financial need that you may have, including banking, insurance and financial services. We are on
top of technological advances and provide these solutions as well. From the oldest to the youngest, New Peoples Bank can help
meet your financial needs. I hope you find this guide book helpful as you read through this material and that you will keep it
handy to help you as you plan for your financial future. Please do not hesitate to let us know how we may serve you.
Again, thank you for choosing New Peoples Bank.
Todd Asbury
President and CEO
New Peoples Bank Guide Book • 2015 • 3
BOARD OF
DIRECTORS
Harold Lynn Keene
Chairman
Charles H. Gent, Jr.
Vice Chairman
Tim W. Ball
Joe M. Carter
John D. Cox
Michael G. McGlothlin
Eugene S. Hearl
Fred W. Meade
B. Scott White
NPB MISSION STATEMENT
The mission of New Peoples Bank is to provide high quality, state of the art, golden rule
banking services to our communities while giving a reasonable return to our stockholders and
providing a challenging and rewarding work environment for our family of employees.
4 • New Peoples Bank Guide Book • 2015
EXECUTIVE
AND SENIOR
MANAGEMENT
C. Todd Asbury
President
& Chief Executive Officer
Frank Sexton Jr.
Executive Vice President
& Chief Operating Officer
Karen Wimmer
Executive Vice President
& Chief Credit Officer
NMLS# 507422
Andrew J. Mullins III
First Senior Vice President
& Senior Retail Officer
NMLS# 403466
Sharon V. Borich
Senior Vice President
& Senior Lending Officer
NMLS# 507431
Joseph Pennington
Senior Vice President
of Finance
Debbie Arrington
Senior Vice President
Banking Operations
Dorothy Meade
Senior Vice President
& Area Manager
Clinch Region
NMLS# 507467
Doug Horne
Senior Vice President
& Area Manager
Cumberland Region
NMLS# 1159565
Tammy Herron
Interim Senior Vice
President & Senior
Commercial Loan Officer
NMLS# 507454
· We believe in exceeding our customers' expectations through exceptional service.
· We are committed to lifelong learning for our employees and believe it is a requirement for doing business in the 21st century.
· We are a locally owned & operated financial institution committed to generating a reasonable & stable return to our shareholders.
· We believe in being honest in all our dealings with our customers and employees.
New Peoples Bank Guide Book • 2015 • 5
PERSONAL
BANKING
SERVICES
CHECKING
New Freedom
Interest Checking
SAVINGS
LOANS
Statement Savings
Fixed-Rate
Mortgages
(Debit Cards)
Adjustable-Rate
Mortgages
Automated Telephone
Banking
Health Savings
New Freedom
55 Plus Checking
Club Accounts
- Kid’s Club
- Christmas Club
- Vacation Club
“KEWL” Student
Checking (Ages
13-23)
Basic Checking
Traditional and
Roth IRA’s
Money Market
Deposit
Certificates of
Deposit
Construction-toPermanent Loans
Premium Money
Market Deposit
& MORE
Visa Check Cards
Notary Services
Direct Deposit
Personal Loans
Automatic Draft
Automobile Loans
Wire Transfers
Home Equity Loans
Safe Deposit Boxes
Credit Cards
Check Imaging
ATM Network
(over 55,000 worldwide)
Your long-term financial success is based on the decisions you make regarding your money. At New
Peoples Bank, we are focused on helping our customers achieve their goals. Our banking
professionals, at our 19 branch locations, will be happy to help you choose the right mix of products
& services for where you are today and help guide you to where you want to be.
LIFESTYLE
DISCOUNT
PROGRAM
At New Peoples Bank we have a penchant for providing products that will benefit our customers.
That’s why we’ve partnered with Generations Gold Inc., one of the leading full-service discount
providers in the U.S. Your membership in GenGold® will reap rewards quickly, as you begin to save
money on local purchases as well as travel, groceries, restaurants, movies, prescriptions and much
more. Also, GenGold® lets you register up to five additional family members who reside at least 25
miles or more from a New Peoples Bank branch. GenGold benefits and services may be added to any
checking account for a small monthly fee.
Identity Theft Protection
• Set Fraud alerts
®
1-800-428-6686 • www.GenGold.com
6 • New Peoples Bank Guide Book • 2015
Travel Discounts
And More!
• Reduce Junk Mail
• Domestic & International
Airline Tickets
• Order Free Credit Reports
• Hotel and Car Rentals
• Savings at hundreds of local
merchants through your
mobile device
• Organize Personal Information
• Cruises
• National Retail Discounts
• Identity Theft
Restoration
Service
• Theme Park Admissions
• National Restaurant Discounts
• Prescription, Vision and
Auditory Care Discounts
®
• Ski Area Passes
Depositing cash and checks at our Intelligent Deposit ATMs has never been easier.
No Envelope Required
INTELLIGENT
DEPOSIT ATM
SERVICES
Cash & Checks Confirmed
Proof of Deposit
ATMs are available at all branches.
Intelligent Deposit ATMs are available
at the following branches:
Abingdon • Big Stone Gap • Bluefield
Bristol • Chilhowie • Kingsport
Pound • Tazewell • Wise
New Peoples Bank customers
have access to over 55,000
surcharge-free ATMs
around the area and
worldwide.
Online Banking
Online Bill Pay
Electronic Statements
Telephone Banking
$
Tools to take control of your
money and simplify how you
manage your finances.
Manage all your bills in one place
and pay them in minutes.
Enjoy quick and secure access
to your statements.
Access to your accounts is just
a phone call away.
Mobile Banking
Mobile Deposit
NPB Alerts
POP Money
Manage your money on-the-go!
Check balances, pay bills, and
transfer money.
Deposit checks from your smart
phone or tablet.
Notifications when important
events have taken place within
your accounts via email or text.
New Peoples Bank has made record strides to bring our
customers great mobile and electronic banking services. From
making deposits, paying bills or monitoring your account activity,
we have the tools to help you stay informed. Our enhanced online
authentication system utilizes multiple layers of security to ensure that
your accounts and information remain secure. We’ve also optimized our
website for mobile phones and tablets and launched apps available for all of
the major mobile devices.
A new way to send and receive
money, phone to phone.
ELECTRONIC
SERVICES
Download the New Peoples Bank App
Available for your
iPhone, iPad and
Android devices.
New Peoples Bank Guide Book
• 2015 • 7
BUSINESS
BANKING
SERVICES
New Peoples Bank wants to be
your business banking partner.
We have created products and
services specifically designed
for your business operations.
We have a team of commercial
lenders & commercial deposit
support personnel available to
help your business grow.
Business Mobile Banking
Coming in 2015!
BUSINESS
LOAN AND
TREASURY MANAGEMENT &
DEPOSIT PRODUCTS
CREDIT SERVICES
BUSINESS SERVICES
Business 500 Checking
Working Capital Lines of
Credit
Sweep Accounts
Commercial Real Estate
ACH Services
Business Choice Checking
Community Basic
Checking
Community Plus
Checking
Commercial Construction
Loans
Real Estate
Improvements
IOLTA Checking Accounts
Business Money Market
Deposit
Premium Money Market
Deposit
Equipment and
Machinery Loans
8 • New Peoples Bank Guide Book • 2015
Merchant Credit Card
Services
Electronic Check
Processing
Business Visa Credit
Cards & Check Cards
Business Online Banking
Bill Pay
Letters of Credit
Gift and Loyalty Cards
Electronic Statements
CD-ROM Statements
Business Savings
CDARS
Remote Deposit Capture
Business Expansion
Certificates of Deposit
Health Savings
Public Funds Accounts
Email & Text Alerts
Scan the
QR Code to
learn more!
Customized Payroll
Solutions
Corporate Visa Check
Cards
AGRICULTURAL
SERVICES
AG LOANS
Lines of Credit
Whether you are looking to expand your operation, take
advantage of a new opportunity or just manage the
day-to-day operational expenses, we can help you with the
agricultural financing you need. Our knowledgeable staff has
an extensive agriculture background and most are currently
farming. We understand the importance of agriculture to our
economy and community and know what it takes to
successfully support your farming and business needs. We
are dedicated to the communities where agriculture
producers work and live through our relationships with
agricultural associations, as well as supporting county fairs
and industry specific conventions. At New Peoples Bank, we
offer a wide selection of loans, terms and services to meet the
diverse needs of agricultural operations.
Farm Purchase Loans
Operating Loans
Equipment Loans
Livestock Financing
Loans for Improvements,
Production Facilities and
Expansion Projects
New Peoples Bank Guide Book • 2015 • 9
NPB Insurance Services, a wholly owned subsidiary of
New Peoples Bank, is an independent insurance agency
selling property, general & professional liability, bonds,
and life & health products, to individuals throughout
southwest Virginia, northeast Tennessee, southern
West Virginia and surrounding states. Coverage is
offered through a variety of insurance companies
directly represented by the agency such as Travelers,
The Hartford, Harleysville, Progressive, Anthem, Blue
Cross Blue Shield of TN and United Healthcare, to name
a few of the top-rated carriers we represent.
Our goal is to combine banking, insurance and
investments to create a financial service one-stop
shopping center for the customer. Our knowledgeable
and friendly staff is committed to meeting and
exceeding our customers’ expectations of price, service
and expertise. We believe that communication is key to
any successful relationship so you may rest assured
that we will have in-depth discussions about your
needs and make sure you get the most value for your
insurance dollars.
Not a Deposit • Not insured by any Government Agency
May go down in value • Not guaranteed by the Bank
Not insured by FDIC Insurance
INSURANCE
SERVICES
(276) 669-1044, (855) 672-4677
www.NPBIns.com
PERSONAL
Auto Insurance
Homeowners Insurance
Umbrella Insurance
Life Insurance
Renters Insurance
Flood Insurance
Valuable Items Covered
Aircraft Insurance
Boat/Yacht Insurance
Disability Insurance
BUSINESS
General & Professional
Liability
Medical Malpractice
Garage Liability
Property
Commercial Auto
Worker’s Compensation
Bonds
Employee Benefits
Key Man Life
Buy-Sell Agreements
and much more!
FINANCIAL
SERVICES
SERVICES
Mutual Funds
Stocks
Annuities
401 (K) Rollovers
IRA Rollovers
Traditional & Roth IRA’s
Self-Directed IRA’s
529 College Savings Plan
REITS
Financial Planning encompasses the comprehensive treatment of wealth transfer
strategies, income, expenses, assets and liabilities, stock options and federal & state
taxes over the life of an investor. For such important work, you need a dedicated and
trusted consultant who will work with you in a relationship based on trust and
confidence to show you how to work toward your goals for retirement, college and
more.
Financial consultants at New Peoples Financial Services have access to a suite of
financial planning tools to help them best serve you, no matter how diverse your needs.
To schedule an appointment to meet with one of our financial advisors, please contact
us at 276-628-7032. You may also visit us online at www.npbfinancialservices.com.
Estate Planning
Estate Settlement
10 • New Peoples Bank Guide Book • 2015
Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products
offered through LPL Financial or its licensed affiliates.
Not a Deposit • Not guaranteed by the Bank • May go down in value
Not insured by any Government Agency • Not insured by FDIC Insurance
Clinch Region
1
Cumberland Region
Abingdon Branch Office
7
350 W. Main Street
Abingdon, Virginia 24210
(276) 628-2543
2
Big Stone Gap Branch Office
Bluefield Branch Office
8
Bristol Linden Square Branch Office
9
10
Castlewood Branch Office
6
Chilhowie Branch Office
155 E Lee Highway
Chilhowie, Virginia 24319
(276) 646-2700
Gate City Branch Office
14
11
Grundy Branch Office
15
Pounding Mill Branch Office
12602 Governor GC Perry Highway
Pounding Mill, Virginia 24637
(276) 963-5800
Haysi Branch Office
16
Princeton Branch Office
1221 Stafford Drive
Princeton, West Virginia 24740
(304) 487-9800
Honaker Branch Office
17
53 Commerce Drive
Honaker, Virginia 24260
(276) 873-6288
12
Pound Branch Office
11241 Indian Creek Road
Pound, Virginia 24279
(276) 796-2130
111 Haysi Main
Haysi, Virginia 24256
(276) 865-5700
87 Miners Drive
Castlewood, Virginia 24224
(276) 762-5620
Lebanon Branch Office
1421 E Main Street
Lebanon, Virginia 24266
(276) 889-5100
20487 Riverside Drive
Grundy, Virginia 24614
(276) 935-8800
101 Linden Square Drive
Bristol, Virginia 24202
(276) 466-5358
5
13
663 E Jackson Street
Gate City, Virginia 24251
(276) 386-9300
514 Commerce Drive
Bluefield, Virginia 24605
(276) 326-2265
4
Clintwood Branch Office
198 Colley Shopping Center
Clintwood, Virginia 24228
(276) 926-5500
419 Shawnee Avenue E
Big Stone Gap, Virginia 24219
(276) 523-6600
3
Corporate Headquarters
Tazewell Branch Office
127 Chamber Drive
Tazewell, Virginia 24651
(276) 988-2300
Kingsport Branch Office
18
2600 N John B Dennis Highway
Kingsport, Tennessee 37660
(423) 288-2660
Weber City Branch Office
1299 US Highway 23 S
Weber City, Virginia 24290
(276) 386-6090
19
Wise Branch Office
5448 Wise-Norton Road
Norton, Virginia 24273
(276) 679-4500
16
77
9
3
10
7
14
BRANCH
LOCATIONS
17
15
77
11
19
5
2
81
13
81
6
1
8
18
12
4
81
New Peoples Bank Guide Book • 2015 • 11
NewPeoplesBank.com