WHAT YOU WAN T YOU R B ANK TO B E

®

MemberFDICEQUAL HOUSING

LENDER

FLEETWOOD KUTZTOWN LYONS BLANDON SHOEMAKERSVILLE WYOMISSINGPRIVATEBANKINGOFFICE

fleetwoodbank.com 610.944.7666

F inancialSuite

Science Explorers Brings Hands-On Science to Countless Youngstersnied the experience.

In addition to science-oriented afterschool programs, sum-mer camps, and assemblies, Science Explorers also partnerswith schools and businesses to provide 4th grade classes withinquiry-based science programs to boost their understandingof concepts and objectives they will see on state testing.

The next phase of expansion is in progress with the acquisi-tion and renovation of an historic Mohnton building that will bethe organization’s new headquarters.

As a student, Jennifer Moorehead did not excel in science.“It wasn’t fun,” she says, and extends an apology to her tenth

grade biology teacher.She recalls science as an exercise in bookwork, rather than

one of inquiry and hands-on involvement.When she saw the same paradigm impacting her own chil-

dren, she decided to do something about it.Jen started Science Explorers in 1999 when her children

were 6, 9, and 11. Her own experience in participatory learn-ing began with her father, a biologist, and a believer in engag-ing his children in the day-to-day operation of the family’ssmall farm. Jen wanted to instill the same fervor in her ownchildren, as well as any interested four to eleven year old withinher reach.

Jen’s presentations were a natural extension of her enthusi-asm for all things science, and the concept took off. She wassoon conducting 40 afterschool programs in elementaryschools across southeastern Pennsylvania. By 2013, Jen’s chil-dren were grown, and the demand for this unique educationalformat was proven. Jen took the next step and brought in edu-cational consultants to complement the team of instructors.

Since then, the demand for the program has continued togrow. Today, Science Explorers has ten full-time employeesand 200 instructors. The geographic reach extends throughoutsoutheastern Pennsylvania, New Jersey, and Delaware. Ac-cording to Jen, approximately 6,500 students participate everyschool year. Numerous schools have waiting lists, and new lo-cations are added every day.

Jen, also known as “Jupiter Jen,” believes “if it’s not fun,we’re not doing it.” In a recent project, students built their ownSpin Art device, an innovative exercise in art and science inwhich the children configured simple circuits and learned aboutcentrifugal force, the natural dynamic employed by the deviceto create original art.

According to Jen, Science Explorers “puts the wonder backin the world” and awakens a youngster’s interest in science byplacing the wonder into the hands of its participants.

Jen’s desire to bring this opportunity to every interestedyoungster inspired SPARKS, the charitable arm of Science Ex-plorers. SPARKS partners with businesses and foundations toprovide funds for needy children who might otherwise be de-

Science Explorers and Fleetwood Bank“Fleetwood Bank’s attention to service is phenomenal.”

- Jen Moorehead, Founder and CEO, Science Explorers

Fleetwood Bank wishes to thank Jennifer Mooreheadand Science Explorers for choosing Fleetwood Bank to

finance the purchase and renovation of their new facility.

Science Explorers was named Businessof the Year by the Technical Council of

Central Pennsylvania and awarded“Making A Difference” honors.

Over 6,500 students a year participatein the hands-on wonder of science.

To learn more about Science Explorers and SPARKS,visit scienceexplorers.com and sparksfoundation.org

WHAT YOU WAN T YOU R B ANK TO B E

Published by Fleetwood Bank ~ Volume 7 ~ Spring, 2015

F inancialSuite

Recovering From aLong, Cold Winter

Winter storms have been re-placed with spring showers. Thelong awaited spring brings thepromise of growth and with itcomes increased signs of an im-

proving economy. Businesses and consumers through-out Berks County are making plans for the future.

We have helped many of your neighbors create smallbusinesses, and we have supported them as they havegrown their business, bringing jobs and services to ourcommunity. Families and individuals have purchasedhomes and improved them as their needs changed, andwe have been there to structure the mortgage, home eq-uity, or personal loan that suits them best.

Our officers and staff have been busy during the graydays of winter developing and testing extensive im-provements to many of our technology systems to sig-nificantly improve the “look and feel” of our financialservices. In addition to advanced business banking tech-nology providing the convenience of a complete arrayof electronic services, we provide individuals ease of ac-cess to financial services with in-depth integrated smartphone applications.

Fleetwood Bank is proud to contribute to the growthand success of our community. Just as we have beenthere for our neighbors through challenging economictimes, we will be there going forward. We would like totake the time to get to know you and show you how wecan help you develop a plan for your future and how wecan help you bring that plan to life.

We invite you to call one of our Bankers today to dis-cuss your individual needs.

by Richard Meares,President & CEO,Fleetwood Bank

IN THIS ISSUE: ~Message from the President~ Beware the Fear of Fear~Mobile Banking~ In Their Own Words~ Berks County Speaks: Spring CleanYour Business

~ FAQs: Banker’s Round Table~ Science Explorers: The Wonder of Science

®

fleetwoodbank.com610.944.7666

“We’ve been there for our customersthrough the tough times and we’ll be there

through the economic recovery.”

Merra Lee Moffitt, Wealth Strategist andSenior Partner - The Good Life Financial Group

-(Continued on Page 2)

Beware The Fear of FearAlmost everyone recognizes Franklin

Roosevelt’s famous quote, “The only thingwe have to fear is fear itself.” He made thatstatement in his first inaugural address inJanuary, 1933. The topic of his speech wasthe great economic depression that held ourcountry and most of the world in its grip.

It’s easy to see how the fear of risk-tak-ing resulted in economic paralysis. In Au-gust, 1932, unemployment in the U.S.

surpassed 25%. It averaged 23.6% for 1933, and did not dip below10% again until 1941.

His point was that the fear of economic risk or decline was a majorcontributor to the actual length of the depression. When we all stopspending, investing, and growing our businesses, we actually createeconomic recession ... the consummate “vicious cycle.”

Over the last few years, we have dwelled in that vicious cycle eventhough the bottom was only half as deep and long as the Great De-pression. Today, with hard work and determination, we are comingout of the recession. Few would say everything is rosy, but there is nodoubt that economic activity is picking up. We can say with confi-dence that the fear of economic risk and political uncertainty is fi-nally losing its grip on local business owners and consumers.

Here at Fleetwood Bank, we are seeing more activity, more opti-mism, and more risk-taking by our customers. Our residential mort-gage activity for the first two months of the year is double that of ayear ago, and includes both purchase money activity and new con-struction. In January and February of 2014, we closed $844,400 inresidential mortgages and our loans in progress at month end Febru-ary 2014 were $864,000. This year in the first two months we’veclosed more than twice as many mortgages as last year, and ourpipeline is three and one-half times that of last year. Likewise, our re-tail loan portfolio closings for the first two months of 2015 were dou-ble that of last year. The same is true for our commercial portfolio,with loan closings and applications far more active than a year ago.

In addition, we recently entered into two major construction proj-ects: Willow Crest, a 48 lot residential subdivision by Grande Land,

Garry Koch,Chief Lending Officer,Fleetwood Bank

(Continued on Page 2)

9970 eff fleetwood fin suite 4/8/15 12:58 PM Page 1

Banker’s Round Table: FAQs

You have questions. We have answers. Email us!

Bob ShowalterVice President

Commercial Lending

Eric GeorgeAssistant Vice PresidentCommercial Lending

Georgette KrickAssistant Vice PresidentPrivate Banking Officer

Q: How do I prepare to meet with my lender?

Bob: Fleetwood Bank takes a “big picture” approach to com-mercial lending. Of course, we look at tax returns and financialstatements, but that only tells the financial history of a business.The real-life story can be just as important in helping a prospec-tive borrower achieve their goals. We ask about the history oftheir business: was it started from scratch, purchased from a pre-vious owner, or has it been handed down as a family-run busi-ness? Profiles of senior management tell us their backgroundsand depth of experience. We review the business plan’s finan-cial projections and marketing plans. The “big picture” syn-chronizes the dynamics of the people who make the businessrun, their accountant, and the bank, in order to create the mostadvantageous lending proposal possible.

Q: Does a Private Banker compete with my Financial Advisor?Georgette: Some do. We don’t. We can, however, comple-ment your team of professionals - including your financial ad-visors, accountants, attorneys, and insurance brokers - in leadingyou to the services that best meet your needs.

Our Private Banking philosophy is one of doing what we dobest: banking. We welcome collaborations with your plannersand advisors, and we do so with the singular goal of identifyingyour personal and business banking needs, including, but notlimited to, loans and deposit services. We can then meet thoseneeds with solid, competitive products. While this is a rela-tively new and different private banking philosophy, it simplymakes sense when you see how it works. We literally haveeveryone on the same page, working to define and deliver themost favorable suite of banking services possible.

Q: Why should I submit a business plan when applying for acommercial loan?Eric: A business plan is often overlooked in the applicationprocess, even though it is a key piece of information that canhelp the lender structure the most advantageous strategy forbusiness owners seeking capital for additions or improvementsto their facility, acquisitions of new equipment, inventory, orother expenses.

A seasoned loan officer can use the business plan to pave theway to an appropriate lending solution. They can assess howthe changes will improve the operation of the business and howlong it will take to recover the upfront cost.

The loan underwriting process itself provides a thumbnail ofa business’s performance, future profitability, and may reveal fu-ture opportunities. It’s always a good idea to review and revisebusiness plans once a year, or more if needed. If you don’t cur-rently have a business plan, consider talking to a local profes-sional to develop an objective and attainable plan.

Q: Will there be two closings for my construction mortgage?Steve: Fleetwood Bank is one of the few lenders in the area to offera one-close construction mortgage. Not only is this convenient, butit also saves the borrower additional costs of a second settlement. Inaddition, the rate is locked in prior to construction and is goodthrough the conversion to the permanent amortized mortgage.

Our One-Close Construction Loan provides the borrowerwith peace of mind during the construction phase. The interestthat accrues is based only upon the funds drawn from settle-ment and then as each subsequent draw occurs. The interest-only feature allows the borrower the flexibility to conserve cashflow as construction progresses. Once the project is completed,the fully amortized principal and interest payment will begin.

At Fleetwood Bank, there is never a pre-payment penalty onour construction or residential mortgages. The borrower is freeto add principal payments at any time. With our convenient, mo-bile banking app, you can check the status of your account on thego! Flexibility, convenience and outstanding customer serviceare what make Fleetwood Bank “what you want your bank to be.”

Q: What information must I submit to apply for a fixed-ratehome equity loan or a residential mortgage?Tammy: Six pieces of information are required by RESPA (Real Es-tate Settlement Procedure Act) for the application process. They are:borrower’s name, borrower's stated monthly income, borrower’s So-cial Security number (to obtain a credit report), property address, esti-matedvalueof theproperty,andthedesired loanamount.Theborrowermay provide this information over the phone or in a personal meetingwith their Loan Officer. There is a required seven day waiting periodfrom the date of the early disclosures, which the borrower receiveswithin three business days of receipt of an application, until settlementcan occur. Several disclosures are mailed, some of which include theGoodFaithEstimateoutlininganyfees involvedand theEarlyTruth InLendingdisclosing theAnnualPercentageRateand theproposedpay-ments on the loan. In some instances, there may also be an additionalthree business day period required by RESPA, called a rescission pe-riod,whichbegins thebusinessdayaftersettlement. During thisperiodof time, the borrower can opt to cancel the loan. If the customer doesnot cancel the loan, the funds will be released upon expiration of thatperiod. Although the rules and regulations governing lending maysound daunting, our loan customers have the advantage of workingwith one Loan Officer to guide them through the entire process.

Commercial Loans: Garry Koch - gkoch@fleetwoodbank.comBob Showalter - rshowalter@fleetwoodbank.comEric George - egeorge@fleetwoodbank.com

Private Banking: Georgette Krick - gkrick@fleetwoodbank.comResidential Mortgages: Steve Gieringer - sgieringer@fleetwoodbank.comConsumer Credit: Tammy Kemmerer - tkemmerer@fleetwoodbank.com

Stephen T. GieringerResidential Mortgage

Sales Manager

Tammy KemmererAssistant Vice President

Consumer Credit Services Manager

In Their OwnWords

Merra Lee Moffitt,AWMA, CMFC, CFP®, AIF®

Wealth Strategist and Senior PartnerThe Good Life Financial Group

BERKS COUNTY SPEAKS:Spring Clean Your Businessto Survive and Thrive

At Fleetwood Bank, we believe we have the best customers anybank could hope for. Every once in a while we get to hear what ourcustomers think, and we are humbled by their words.

Mobile Banking:TheWhole Package

We are pleased to let you know thatwe have integrated mobile banking intoour array of electronic banking services.

Fleetwood Bank’s internet bankingcustomers may now enroll in mobilebanking. With our enhanced features,mobile banking customers canenroll instantly for mobile deposit, a

service that allows participants to scan checks anywhere, any-time, and deposit funds into their Fleetwood Bank accounts.

While all banks do not offer mobile deposit, we realize thatflexible deposit capabilities are vital to our customers’ bank-ing needs.

Mobile banking is available to both consumer and com-mercial customers. Consumers can deposit up to 15 checks or$5,000 per month (with a $2,500 per day limit), with NOcharges. Commercial customers can deposit up to 30 checksa month or $5,000 per day, with a maximum $25,000 a month.There is a one dollar per item charge for each commercial de-posit that exceeds these limits. Although some commercialcustomers might opt for mobile deposits for their business,most are better served with our merchant capture capabilities.

Smartphone apps are available from Google Play for an-droid devices, and from the App Store for iOS devices.

LP in Richmond Township, and Folino Estates in Greenwich Town-ship, a new restaurant/banquet facility and winery.

In this edition of Financial Suite, Merra Lee Moffitt of The GoodLife Financial Group provides ideas on managing your business andimproving your personal wealth. She suggests that you look to newmarkets for opportunity. Your investment of time and resourcesseeking new opportunities now will put you ahead of the competi-tors who are still on the sidelines hoping to expand income byavoiding risk and cutting costs.

Fleetwood Bank stands at the ready to help you in all your ef-forts. Please contact any of the lenders featured in Financial Suiteand let’s move forward together.

Call Colleen VanBilliardfor more Information484.334.9931

Spring is in the air. Time to clean out the sluggish parts of your businessso you can create growth and possibly more profits. Here are some itemsyou should review and improve upon every year if you want to grow yourprofits and your life. I know you’re busy, but if youwant the life you dreamabout, set up a system to build on these key areas every year. You’ll behappy you cleaned up!Cultivate Cash Flow. Every year, find ways to get paid faster, and payout slower. Can you send out invoices a day early? Can you send re-minders after 20 days? Can you get partial payments up front? Ask your-self these questions every year to come up with new ideas and retry oldones. Your bank account will grow.You Can’tManageWhatYou Don’tMeasure. Set up new benchmarks.Are you measuring quality? Satisfaction? Job profitability? Are you look-ing at the commonality of less profitable jobs or product lines? Are youmeasuringwasted time? What about proposal to sales ratio? Alwaysmeas-ure,whether you are getting better orworse. Your benchmarkswill improve.Raise theRoof onPrices. Adifficult decision:we fearwe’ll lose customersif we do. But are we really charging for all the extra services the customerordered? Havewe offered something newof value that can be added?Havewe looked at our competition lately, have they already raised their coreprices? It’s easy to say “I can’t.” Find at least one item where you can.NewMarkets, NewMarkets. Which customers are underserved in yourbusiness? Is it profitable to do business with them? How can you reachthem? What have you done to attract them? Businesses that are NOTgrowing and changing risk stagnating and dying. Don’t risk it. The worldis changing, even here in Berks County.Keep ‘emSatisfied.What new feature or servicewill make your customershappy to do business with you? What will make them tell their friendsabout you? How are you keeping in touchwith customerswho use you in-frequently?Give Yourself A Raise. If you diligently set up improvement projects inthe areas above, youwill generatemore cash to your bottom line each year.Pay yourself first. Are your employees happy when they don’t get a raise?Of course not and neither are you. Put a little more away for you first.Which leads me to….Save It ForA Rainy Day. Someday, you’ll want to slow down. Go fish-ing, travel, visit your retired friends. The ‘die-at-your-desk’retirement planwon’t always be your first choice. Increase your automatic contributionsto your emergency funds, retirement plans, and wealth accumulation ac-counts.

Don’t wait for your financial advisor to remind you. Start your ownspring cleaning. Set up a regularly scheduled meeting that coincides withthe start of your most profitable time-of-year. Boost your monthly contri-butions, even if just a little.

“I help Berks business owners get results like these every day.We find the time; we get creative; we make profits happen.”

For more information,visit www.Welcome2TheGoodLife.com/MerraLee

or call Merra Lee at 610.628.2055

For more information, contact Garry Kochat 484.334.9941 or gkoch@fleetwoodbank.com

-Beware The Fear of Fear (Continued from Page 1)

Colleen VanBilliard,Deposit AdministrationManager

-- Jen Moorehead, Founder & CEO - Science Explorers and SPARKS

When a local realtor referred Jen Moorehead to FleetwoodBank for a commercial mortgage and financing for renovations,she got a lot more than she expected. “This relationship hasbeen phenomenal,” Jen said. “I knew I wanted to do businesswith a local community bank, and my Loan Officer, BobShowalter, is a wonderful resource. He knows my name, hepays attention to my needs, and turnaround is quick. It remindsme of how banking used to be. ”

9970 eff fleetwood fin suite 4/8/15 12:58 PM Page 2

Banker’s Round Table: FAQs

You have questions. We have answers. Email us!

Bob ShowalterVice President

Commercial Lending

Eric GeorgeAssistant Vice PresidentCommercial Lending

Georgette KrickAssistant Vice PresidentPrivate Banking Officer

Q: How do I prepare to meet with my lender?

Bob: Fleetwood Bank takes a “big picture” approach to com-mercial lending. Of course, we look at tax returns and financialstatements, but that only tells the financial history of a business.The real-life story can be just as important in helping a prospec-tive borrower achieve their goals. We ask about the history oftheir business: was it started from scratch, purchased from a pre-vious owner, or has it been handed down as a family-run busi-ness? Profiles of senior management tell us their backgroundsand depth of experience. We review the business plan’s finan-cial projections and marketing plans. The “big picture” syn-chronizes the dynamics of the people who make the businessrun, their accountant, and the bank, in order to create the mostadvantageous lending proposal possible.

Q: Does a Private Banker compete with my Financial Advisor?Georgette: Some do. We don’t. We can, however, comple-ment your team of professionals - including your financial ad-visors, accountants, attorneys, and insurance brokers - in leadingyou to the services that best meet your needs.

Our Private Banking philosophy is one of doing what we dobest: banking. We welcome collaborations with your plannersand advisors, and we do so with the singular goal of identifyingyour personal and business banking needs, including, but notlimited to, loans and deposit services. We can then meet thoseneeds with solid, competitive products. While this is a rela-tively new and different private banking philosophy, it simplymakes sense when you see how it works. We literally haveeveryone on the same page, working to define and deliver themost favorable suite of banking services possible.

Q: Why should I submit a business plan when applying for acommercial loan?Eric: A business plan is often overlooked in the applicationprocess, even though it is a key piece of information that canhelp the lender structure the most advantageous strategy forbusiness owners seeking capital for additions or improvementsto their facility, acquisitions of new equipment, inventory, orother expenses.

A seasoned loan officer can use the business plan to pave theway to an appropriate lending solution. They can assess howthe changes will improve the operation of the business and howlong it will take to recover the upfront cost.

The loan underwriting process itself provides a thumbnail ofa business’s performance, future profitability, and may reveal fu-ture opportunities. It’s always a good idea to review and revisebusiness plans once a year, or more if needed. If you don’t cur-rently have a business plan, consider talking to a local profes-sional to develop an objective and attainable plan.

Q: Will there be two closings for my construction mortgage?Steve: Fleetwood Bank is one of the few lenders in the area to offera one-close construction mortgage. Not only is this convenient, butit also saves the borrower additional costs of a second settlement. Inaddition, the rate is locked in prior to construction and is goodthrough the conversion to the permanent amortized mortgage.

Our One-Close Construction Loan provides the borrowerwith peace of mind during the construction phase. The interestthat accrues is based only upon the funds drawn from settle-ment and then as each subsequent draw occurs. The interest-only feature allows the borrower the flexibility to conserve cashflow as construction progresses. Once the project is completed,the fully amortized principal and interest payment will begin.

At Fleetwood Bank, there is never a pre-payment penalty onour construction or residential mortgages. The borrower is freeto add principal payments at any time. With our convenient, mo-bile banking app, you can check the status of your account on thego! Flexibility, convenience and outstanding customer serviceare what make Fleetwood Bank “what you want your bank to be.”

Q: What information must I submit to apply for a fixed-ratehome equity loan or a residential mortgage?Tammy: Six pieces of information are required by RESPA (Real Es-tate Settlement Procedure Act) for the application process. They are:borrower’s name, borrower's stated monthly income, borrower’s So-cial Security number (to obtain a credit report), property address, esti-matedvalueof theproperty,andthedesired loanamount.Theborrowermay provide this information over the phone or in a personal meetingwith their Loan Officer. There is a required seven day waiting periodfrom the date of the early disclosures, which the borrower receiveswithin three business days of receipt of an application, until settlementcan occur. Several disclosures are mailed, some of which include theGoodFaithEstimateoutlininganyfees involvedand theEarlyTruth InLendingdisclosing theAnnualPercentageRateand theproposedpay-ments on the loan. In some instances, there may also be an additionalthree business day period required by RESPA, called a rescission pe-riod,whichbegins thebusinessdayaftersettlement. During thisperiodof time, the borrower can opt to cancel the loan. If the customer doesnot cancel the loan, the funds will be released upon expiration of thatperiod. Although the rules and regulations governing lending maysound daunting, our loan customers have the advantage of workingwith one Loan Officer to guide them through the entire process.

Commercial Loans: Garry Koch - gkoch@fleetwoodbank.comBob Showalter - rshowalter@fleetwoodbank.comEric George - egeorge@fleetwoodbank.com

Private Banking: Georgette Krick - gkrick@fleetwoodbank.comResidential Mortgages: Steve Gieringer - sgieringer@fleetwoodbank.comConsumer Credit: Tammy Kemmerer - tkemmerer@fleetwoodbank.com

Stephen T. GieringerResidential Mortgage

Sales Manager

Tammy KemmererAssistant Vice President

Consumer Credit Services Manager

In Their OwnWords

Merra Lee Moffitt,AWMA, CMFC, CFP®, AIF®

Wealth Strategist and Senior PartnerThe Good Life Financial Group

BERKS COUNTY SPEAKS:Spring Clean Your Businessto Survive and Thrive

At Fleetwood Bank, we believe we have the best customers anybank could hope for. Every once in a while we get to hear what ourcustomers think, and we are humbled by their words.

Mobile Banking:TheWhole Package

We are pleased to let you know thatwe have integrated mobile banking intoour array of electronic banking services.

Fleetwood Bank’s internet bankingcustomers may now enroll in mobilebanking. With our enhanced features,mobile banking customers canenroll instantly for mobile deposit, a

service that allows participants to scan checks anywhere, any-time, and deposit funds into their Fleetwood Bank accounts.

While all banks do not offer mobile deposit, we realize thatflexible deposit capabilities are vital to our customers’ bank-ing needs.

Mobile banking is available to both consumer and com-mercial customers. Consumers can deposit up to 15 checks or$5,000 per month (with a $2,500 per day limit), with NOcharges. Commercial customers can deposit up to 30 checksa month or $5,000 per day, with a maximum $25,000 a month.There is a one dollar per item charge for each commercial de-posit that exceeds these limits. Although some commercialcustomers might opt for mobile deposits for their business,most are better served with our merchant capture capabilities.

Smartphone apps are available from Google Play for an-droid devices, and from the App Store for iOS devices.

LP in Richmond Township, and Folino Estates in Greenwich Town-ship, a new restaurant/banquet facility and winery.

In this edition of Financial Suite, Merra Lee Moffitt of The GoodLife Financial Group provides ideas on managing your business andimproving your personal wealth. She suggests that you look to newmarkets for opportunity. Your investment of time and resourcesseeking new opportunities now will put you ahead of the competi-tors who are still on the sidelines hoping to expand income byavoiding risk and cutting costs.

Fleetwood Bank stands at the ready to help you in all your ef-forts. Please contact any of the lenders featured in Financial Suiteand let’s move forward together.

Call Colleen VanBilliardfor more Information484.334.9931

Spring is in the air. Time to clean out the sluggish parts of your businessso you can create growth and possibly more profits. Here are some itemsyou should review and improve upon every year if you want to grow yourprofits and your life. I know you’re busy, but if youwant the life you dreamabout, set up a system to build on these key areas every year. You’ll behappy you cleaned up!Cultivate Cash Flow. Every year, find ways to get paid faster, and payout slower. Can you send out invoices a day early? Can you send re-minders after 20 days? Can you get partial payments up front? Ask your-self these questions every year to come up with new ideas and retry oldones. Your bank account will grow.You Can’tManageWhatYou Don’tMeasure. Set up new benchmarks.Are you measuring quality? Satisfaction? Job profitability? Are you look-ing at the commonality of less profitable jobs or product lines? Are youmeasuringwasted time? What about proposal to sales ratio? Alwaysmeas-ure,whether you are getting better orworse. Your benchmarkswill improve.Raise theRoof onPrices. Adifficult decision:we fearwe’ll lose customersif we do. But are we really charging for all the extra services the customerordered? Havewe offered something newof value that can be added?Havewe looked at our competition lately, have they already raised their coreprices? It’s easy to say “I can’t.” Find at least one item where you can.NewMarkets, NewMarkets. Which customers are underserved in yourbusiness? Is it profitable to do business with them? How can you reachthem? What have you done to attract them? Businesses that are NOTgrowing and changing risk stagnating and dying. Don’t risk it. The worldis changing, even here in Berks County.Keep ‘emSatisfied.What new feature or servicewill make your customershappy to do business with you? What will make them tell their friendsabout you? How are you keeping in touchwith customerswho use you in-frequently?Give Yourself A Raise. If you diligently set up improvement projects inthe areas above, youwill generatemore cash to your bottom line each year.Pay yourself first. Are your employees happy when they don’t get a raise?Of course not and neither are you. Put a little more away for you first.Which leads me to….Save It ForA Rainy Day. Someday, you’ll want to slow down. Go fish-ing, travel, visit your retired friends. The ‘die-at-your-desk’retirement planwon’t always be your first choice. Increase your automatic contributionsto your emergency funds, retirement plans, and wealth accumulation ac-counts.

Don’t wait for your financial advisor to remind you. Start your ownspring cleaning. Set up a regularly scheduled meeting that coincides withthe start of your most profitable time-of-year. Boost your monthly contri-butions, even if just a little.

“I help Berks business owners get results like these every day.We find the time; we get creative; we make profits happen.”

For more information,visit www.Welcome2TheGoodLife.com/MerraLee

or call Merra Lee at 610.628.2055

For more information, contact Garry Kochat 484.334.9941 or gkoch@fleetwoodbank.com

-Beware The Fear of Fear (Continued from Page 1)

Colleen VanBilliard,Deposit AdministrationManager

-- Jen Moorehead, Founder & CEO - Science Explorers and SPARKS

When a local realtor referred Jen Moorehead to FleetwoodBank for a commercial mortgage and financing for renovations,she got a lot more than she expected. “This relationship hasbeen phenomenal,” Jen said. “I knew I wanted to do businesswith a local community bank, and my Loan Officer, BobShowalter, is a wonderful resource. He knows my name, hepays attention to my needs, and turnaround is quick. It remindsme of how banking used to be. ”

9970 eff fleetwood fin suite 4/8/15 12:58 PM Page 2

WHAT YOU WAN T YOU R B ANK TO B E

®

MemberFDICEQUAL HOUSING

LENDER

FLEETWOOD KUTZTOWN LYONS BLANDON SHOEMAKERSVILLE WYOMISSINGPRIVATEBANKINGOFFICE

fleetwoodbank.com 610.944.7666

F inancialSuite

Science Explorers Brings Hands-On Science to Countless Youngstersnied the experience.

In addition to science-oriented afterschool programs, sum-mer camps, and assemblies, Science Explorers also partnerswith schools and businesses to provide 4th grade classes withinquiry-based science programs to boost their understandingof concepts and objectives they will see on state testing.

The next phase of expansion is in progress with the acquisi-tion and renovation of an historic Mohnton building that will bethe organization’s new headquarters.

As a student, Jennifer Moorehead did not excel in science.“It wasn’t fun,” she says, and extends an apology to her tenth

grade biology teacher.She recalls science as an exercise in bookwork, rather than

one of inquiry and hands-on involvement.When she saw the same paradigm impacting her own chil-

dren, she decided to do something about it.Jen started Science Explorers in 1999 when her children

were 6, 9, and 11. Her own experience in participatory learn-ing began with her father, a biologist, and a believer in engag-ing his children in the day-to-day operation of the family’ssmall farm. Jen wanted to instill the same fervor in her ownchildren, as well as any interested four to eleven year old withinher reach.

Jen’s presentations were a natural extension of her enthusi-asm for all things science, and the concept took off. She wassoon conducting 40 afterschool programs in elementaryschools across southeastern Pennsylvania. By 2013, Jen’s chil-dren were grown, and the demand for this unique educationalformat was proven. Jen took the next step and brought in edu-cational consultants to complement the team of instructors.

Since then, the demand for the program has continued togrow. Today, Science Explorers has ten full-time employeesand 200 instructors. The geographic reach extends throughoutsoutheastern Pennsylvania, New Jersey, and Delaware. Ac-cording to Jen, approximately 6,500 students participate everyschool year. Numerous schools have waiting lists, and new lo-cations are added every day.

Jen, also known as “Jupiter Jen,” believes “if it’s not fun,we’re not doing it.” In a recent project, students built their ownSpin Art device, an innovative exercise in art and science inwhich the children configured simple circuits and learned aboutcentrifugal force, the natural dynamic employed by the deviceto create original art.

According to Jen, Science Explorers “puts the wonder backin the world” and awakens a youngster’s interest in science byplacing the wonder into the hands of its participants.

Jen’s desire to bring this opportunity to every interestedyoungster inspired SPARKS, the charitable arm of Science Ex-plorers. SPARKS partners with businesses and foundations toprovide funds for needy children who might otherwise be de-

Science Explorers and Fleetwood Bank“Fleetwood Bank’s attention to service is phenomenal.”

- Jen Moorehead, Founder and CEO, Science Explorers

Fleetwood Bank wishes to thank Jennifer Mooreheadand Science Explorers for choosing Fleetwood Bank to

finance the purchase and renovation of their new facility.

Science Explorers was named Businessof the Year by the Technical Council of

Central Pennsylvania and awarded“Making A Difference” honors.

Over 6,500 students a year participatein the hands-on wonder of science.

To learn more about Science Explorers and SPARKS,visit scienceexplorers.com and sparksfoundation.org

WHAT YOU WAN T YOU R B ANK TO B E

Published by Fleetwood Bank ~ Volume 7 ~ Spring, 2015

F inancialSuite

Recovering From aLong, Cold Winter

Winter storms have been re-placed with spring showers. Thelong awaited spring brings thepromise of growth and with itcomes increased signs of an im-

proving economy. Businesses and consumers through-out Berks County are making plans for the future.

We have helped many of your neighbors create smallbusinesses, and we have supported them as they havegrown their business, bringing jobs and services to ourcommunity. Families and individuals have purchasedhomes and improved them as their needs changed, andwe have been there to structure the mortgage, home eq-uity, or personal loan that suits them best.

Our officers and staff have been busy during the graydays of winter developing and testing extensive im-provements to many of our technology systems to sig-nificantly improve the “look and feel” of our financialservices. In addition to advanced business banking tech-nology providing the convenience of a complete arrayof electronic services, we provide individuals ease of ac-cess to financial services with in-depth integrated smartphone applications.

Fleetwood Bank is proud to contribute to the growthand success of our community. Just as we have beenthere for our neighbors through challenging economictimes, we will be there going forward. We would like totake the time to get to know you and show you how wecan help you develop a plan for your future and how wecan help you bring that plan to life.

We invite you to call one of our Bankers today to dis-cuss your individual needs.

by Richard Meares,President & CEO,Fleetwood Bank

IN THIS ISSUE: ~Message from the President~ Beware the Fear of Fear~Mobile Banking~ In Their Own Words~ Berks County Speaks: Spring CleanYour Business

~ FAQs: Banker’s Round Table~ Science Explorers: The Wonder of Science

®

fleetwoodbank.com610.944.7666

“We’ve been there for our customersthrough the tough times and we’ll be there

through the economic recovery.”

Merra Lee Moffitt, Wealth Strategist andSenior Partner - The Good Life Financial Group

-(Continued on Page 2)

Beware The Fear of FearAlmost everyone recognizes Franklin

Roosevelt’s famous quote, “The only thingwe have to fear is fear itself.” He made thatstatement in his first inaugural address inJanuary, 1933. The topic of his speech wasthe great economic depression that held ourcountry and most of the world in its grip.

It’s easy to see how the fear of risk-tak-ing resulted in economic paralysis. In Au-gust, 1932, unemployment in the U.S.

surpassed 25%. It averaged 23.6% for 1933, and did not dip below10% again until 1941.

His point was that the fear of economic risk or decline was a majorcontributor to the actual length of the depression. When we all stopspending, investing, and growing our businesses, we actually createeconomic recession ... the consummate “vicious cycle.”

Over the last few years, we have dwelled in that vicious cycle eventhough the bottom was only half as deep and long as the Great De-pression. Today, with hard work and determination, we are comingout of the recession. Few would say everything is rosy, but there is nodoubt that economic activity is picking up. We can say with confi-dence that the fear of economic risk and political uncertainty is fi-nally losing its grip on local business owners and consumers.

Here at Fleetwood Bank, we are seeing more activity, more opti-mism, and more risk-taking by our customers. Our residential mort-gage activity for the first two months of the year is double that of ayear ago, and includes both purchase money activity and new con-struction. In January and February of 2014, we closed $844,400 inresidential mortgages and our loans in progress at month end Febru-ary 2014 were $864,000. This year in the first two months we’veclosed more than twice as many mortgages as last year, and ourpipeline is three and one-half times that of last year. Likewise, our re-tail loan portfolio closings for the first two months of 2015 were dou-ble that of last year. The same is true for our commercial portfolio,with loan closings and applications far more active than a year ago.

In addition, we recently entered into two major construction proj-ects: Willow Crest, a 48 lot residential subdivision by Grande Land,

Garry Koch,Chief Lending Officer,Fleetwood Bank

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