Doors open at 9:30am - Meeting begins at 10:00am

Special Guest Speaker:

Colonel Herman Stacy Clardy III, United States Marine Corps

Sharing his first-hand experience as commander in Iraq

The featured movies that we will be showing are:

Changling Rated R, staring Angelina Jolie, John Malkovich and Jeffrey Donovan,                     directed by Clint Eastwood.

Madagascar 2 Escape Africa Rated PG-13 staring Ben Stiller, Chris Rock and Jada Pinkett-Smith.

Role Models Rated R staring Seann William Scott, Paul Rudd and Christopher Mintz-Plasse.

FREE coffee, donuts and a special commemorative gift.

Accepting donations for the following:

South Elgin Food Pantry - canned goods and paper products

Don’t forget your Care To Share Bags for the children that you may have picked up at our October Meeting.

Membership is not required, come by for this special Veterans Day event and bring a friend!

Doors open at 9:30am - Meeting begins at 10:00am

We will feature - Learn about the “New” Sherman Hospital

Opening Fall of 2009

Speaker - Keith Golden, Admin. Director, Properties/Projects

The movies that will be shown at the movie meeting are:

• Nights in Rodanthe - Rated  PG-13
• Body of Lies - Rated R

$2.00 Per Person

Accepting donations for the following:

Two Rivers Head Start - Canned goods and paper products

Membership is not required, bring a friend!!

As we travel to scenic Cedarburg, Wisconsin to the Wine & Harvest Festival.

There will be arts, crafters, food, music, speciality shops…experience the first blush of fall.

We will do the driving, we want you to sit back and enjoy the scenery as we travel to Cedarburg on the motor coach.

Take in the day as you stroll the Harvest Festival…don’t worry we will have plenty of room to pack your purchases for the journey home.

Hope you can join us on Saturday September 20, 2008!  There are a few seats left.

Please call 847-888-7979 for reservations.

The entire country has been subjected to the news of recent bank failures in addition to irresponsible press reports stating that 50% of all banks in the U.S. would fail this year.

Let’s get the facts straight. Yes, it is true we will see a number of banks fail this year because the management teams of these banks made some very poor decisions. As usual greed was the underlying motivation.

Let me assure you, this is not the case at Elgin State Bank. Since 1973, we have managed our bank in a safe, sound, and prudent manner. We have no subprime home loans or speculative real estate loans. We have never engaged in making these loans, nor will we ever make these risky loans.

Here are the facts.

MYTH: All community banks are involved in problems with subprime mortgage lending.

FACT: Elgin State Bank is not and never has been involved in subprime lending. There is no subprime crisis at Elgin State Bank because we are well run, highly capitalized, tightly regulated and much more risk averse than big banks. 

MYTH: Your money is safer in big banks.

FACT: No one has ever lost a penny of FDIC-insured deposits held in community banks. Elgin State Bank focuses on the needs of local families and businesses and our top executives are available on site to answer your questions directly and make timely decisions. Most of the nation’s large banks are structured to serve large corporations and have CEOs headquartered in office suites, not local banks.

MYTH: Community Banks are under-capitalized.

FACT: The vast majority of our nation’s banks, especially community banks, are strong, safe, and stable. Community bankers are common sense lenders that don’t engage in high-risk activities, Instead, we stick to the longstanding fundamentals of responsible banking, and always seek to serve the long-term interest of our customers and communities.

In a recent press release, FDIC Chairman Sheila C. Blair stated, “The overehelming majority of banks in this country are safe and sound.” We understand that our business is built on public trust. We understand that the deposits you place in our bank are your money, not the bank’s money. Our primary goal at Elgin State Bank is to always protect your deposits. This is the foundation upon which the banking industry has traditionally lived and breathed, and yet some greed driven banks that see their customers as commodities rather than real people with real needs have tarnished the rest of the banking industry’s reputation by speculating with their depositor’s money. This is not how we do business, now or ever.

Will Rogers once stated, “The return OF my money is always more imprtant to me than the return ON my money.” This rings home so true today. Do you have money on deposit at different banks and/or investment brokers? Do you know whether the FDIC insures those funds? If this is your situation, NOW is the time to consolidate all those bank accounts and come back home to Elgin State Bank.

Bring in all your other bank statements and let our experienced bankers show you how to get the most insurance allowed by the FDIC. We will also give you some great advise on how to ensure you always have funds available to take advantage of rising interest rates.

Our goal is and always has been to create a wonderful experience for you that you NEVER consider any other bank for your financial needs. It is also very important to me that I always address any concerns you have in a factual and honest manner. It is the only way we conduct business at Elgin State Bank.

Should you have any questions please feel free to call me directly. My direct office number is (847)888-7957. My goal as President is to always be accessible to you when you need me the most.

Appointments will be on a first-come, first-serve basis, at the time of the event on 9/24/08.

Please contact Denise Schramm at 847-888-7978 for reservations!

                                                             Kindly respond by 9/18/08

$2.00 Per Person

Doors open at 9:30am - Meeting begins at 10:00am

We will feature - Sherman Hospital Animal-Assisted Therapy Program

The movies that will be shown at the movie meeting are:

• Bangkok Dangerous - Rated R
• Vicky Cristina Barcelona - Rated PG-13

Accepting donations for the following:

Bethesda Church of God - Canned foods and paper products.

Membership is not required, bring a friend!

Friday, September 12, 2008!

9:00 am to 11:00 am - Coffee & Donuts will be served

11:00 am to 3:00 pm - Enjoy Hotdogs, Brats, Chips & Pop

3:00 pm to 5:00 pm - Satisfy your craving for some Dairy Queen Ice Cream

There will be Raffles and Giveaways throughout the day, and a Grand Prize Drawing will be held at each location where we will be giving away a 32″ LCD HDTV.

Come join the fun and help us Celebrate YOU!

We’re looking forward to seeing you there!!

$2.00 Per Person

Doors open at 9:30 am - Meeting begins at 10:00am

We will feature - “Your Insured Deposits”

The movies that will be shown at the movie meeting are:

• Swing Vote - Rated PG-13
• The Dark Knight - Rated PG-13
• Mamma Mia! - Rated PG-13

Accepting donations for the following:

Community Crisis Center - Canned foods and paper products

Membership is not required, bring a friend!

Elgin State Bank has full FDIC coverage on all deposits $100,000 and less, and if the accounts are titled properly, the coverage per family can be in excess of $1,000,000. Also, the FDIC provides up to $250,000 in insurance coverage for deposits held in Individual Retirement Accounts.

If you are concerned about the insurability of your deposits, the FDIC provides an interactive application that allows you to calculate the insurance coverage of your accounts, called Electronic Deposit Insurance Estimator (EDIE). This tool can be found on their website at http://www.fdic.gov/edie/.

If you are concerned about the safety of your money here at Elgin State Bank, please feel free to contact us at (847) 888-7950.

Doors open at 9:30am - Meeting begins at 10:00am

We will feature - “Creating Awareness of Financial Exploitation”

The movies that will be shown at the movie meeting are:

• Hancock - Rated PG-13
• Kit Kittredge:  An American Girl - Rated G

Accepting Donations for the following:

Boys & Girls Club of Elgin - School supplies (pencils, sharpeners, erasers, paper and folders)

South Elgin Food Pantry - Canned foods and paper products

Membership is not required, bring a friend!