W I T H C R E D I TS E R V I C E S

ReachI M P O R T A N T P H O N E N U M B E R S

Telephone Banking 800-561-2314Customer service 615-451-4151Toll-free line 866-345-8877

To report lost or stolen debit/credit cardDuring banking hours 615-451-4151After hours 800-554-8969

O F F I C E L O C A T I O N S

Main Office780 Browns LaneGallatin, TN 37066615-451-4151

Broadway Office240 West BroadwayGallatin, TN 37066615-452-8877

Preferred Banking Center 100 Bluegrass Commons, Suite 2102Hendersonville, TN 37075615-590-4100

www.sumnerbankandtrust.com

Member FDIC Equal Housing Lender 0707_2000

Won’t You Be Our Neighbor?Before you go house hunting, give us a call. We can help you determine how much home you canafford based on your current financial situation and factors such as interest rates and other expenses. A pre-approved application will enable you to confidently make an offer on the home of your choice.

Let’s BeginA Sumner Bank & Trust mortgage representative will meet with you at your convenience to explain the mortgage process and answer any questions you may have. To get the greatest benefit from this initial meeting, please bring the following:

• Purchase agreement (if applicable)• Bank account statements for the past two

full months• Investment account statements for the

past three full months • Pay stubs for one full month• W-2s for the past two years• If you’re self-employed, bring a copy of

your federal income tax returns for the past two years

Our mortgage representative will ensure you apply forthe loan that is right for you. Fixed rate or adjustablerate? Fifteen- or 30-year term? Conventional or VA?We’ll make it easier to decide.

Loans and Lines of CreditLoans and Lines of CreditA cup of sugar. The lawn mower. A good book. These are things youcan borrow from your neighbor. Need to borrow money? You’d betterask your neighbors at Sumner Bank and Trust.

n Fixed monthly paymentsn Interest may be tax deductible

(consult your tax advisor)

AccountThis Account Is For You If Features & Benefits

DREAM HOME. DREAM MORTGAGE.

Great rates. Flexible terms. Low closing costs.

If you have to finance your dream home (and whodoesn’t?), you can trust The Sumner Mortgage Team to guide you through the mortgage maze. We’ll be withyou every step of the way, from the application processto the closing. Welcome to the neighborhood.

• FHA, VA and Conventional

• Fixed and adjustable rate mortgages (ARM)

• Investment property financing

• Construction to permanent

• Up to 100% financing

• First-time home buyer programs

• Home equity lines of credit

• Interest-only mortgages

• Land loans

OverdraftProtection

Sumner Bank &Trust VISA® orMaster Card®

Student Lending

InstallmentLoan

n You need a one-timelump sum

n You have equity in your home

n You have an on-going need for cash

n You have equity in your home

n You have a specific loan need

n You need money for higher education

n You need an on-going line of credit

n You want to protect yourself against insufficient funds

n Automatic payment of overdraftn Eliminates bounced checks & return charges

n Competitive rates & no annual fee

n Customized to your needsn Federal Stafford and other loans available

n Customized to your needsn Competitive rates and flexible termsn Make automatic payments from your

checking account

n Borrow what you need when you need itn Access to credit by checks or teller requestn Interest may be tax deductible

(consult your tax advisor)

Home EquityLoan

Home EquityLine of Credit