240 Salt Lick Rd. | St. Peters, Missouri 63376

636.970.0440www.1stadvantagebank.com

PRSRT STDUS POSTAGE

PAIDST. LOUIS, MO

PERMIT NO. 4713

From Our Kitchen To Yours Recipe Submitted by Sandy Witzke Administrative Assistant/Loan Administrator

South Dakota Caviar1 can Black Beans – rinsed and drained1 can Corn – rinsed and drained1 can Black Eye Peas – rinsed and drained1 can Red Kidney Beans – rinsed and drained1 diced Tomato1 diced bunch of Green Onions1 diced Green Pepper4 tablespoons finely chopped Jalapeno¼ cup of Jalapeno juice2/3 cup of Zesty Italian salad dressing

Mix the above ingredients and let marinate over night.

Serve with Tortilla Scoops.

7th Annual Missouri River Irish Fest Memorial Day Weekend May - 27th - 29th 2011

Frontier Park St. Charles, Missouri

FREE Admission - Fun for the whole family!!!

WWW.MISSOURIRIVERIRISHFEST.COM

http://www.1stadvantagebank.com/logos/0261/Image/freeatmflyer.pdfUse your phone to scan this code and learn more about

the products and services offered at 1st Advantage Bank!

240 Salt Lick Rd. St. Peters, Missouri 63376

636.970.0440www.1stadvantagebank.com

INSIDETHIS

ISSUE

SPRING/SUMMER 2011

• President’s Message• Customer Profile• Casino Day Trip

Shred-It and

Grill Day!Gather your old bills, mail and other paper products and bring to our 3rd Annual Shred-It Day set for Wednesday, June 15th from 11 a.m. to 1 p.m. on the back parking lot of 1st Advantage Bank, 240 Salt Lick Rd.

We will also be offering food and refreshments; the event is free and open to the public. Join us for a barbecue lunch and reduce clutter in your home or office at the same time!

Anywhere in the 50 states, know that you have access to your money without fear of expensive ATM surcharges. We will automatically

reimburse your account for any surcharges you have incurred.All ATMS, Everywhere in the U.S!

http://www.1stadvantagebank.com/logos/0261/Image/freeatmflyer.pdfUse your phone to scan this code and learn more about our Free ATM Services Worldwide!

ATM Fees Cutting Into Your Budget?

Your 1st Advantage

Bank Team!

SCOTT ANGELLAngell Capital Management, LLC

DOLORA BECKERLE Beckerle Preferred Properties

TIM HUFFNiedner, Bodeux,

Carmichael, Huff, Lenox & Pashos, LLPJEFF KOLB

Dave Kolb Grading, Inc.JOE RIVET

Gold Star PavingGREGORY SMITH1st Advantage Bank

Board of Directors

Advisory Directors

Executive Team & Staff

Ken Bennett C. Bennett Building Supply

Jeff Blanton Blanton Construction

Don Collier III Triad Development

Dan Fetsch ADF Capital

Steve Heying St. Charles Insurance

Steve Hoven SSM Healthcare

Phil Kaiser The Kaiser Law Firm, P.C.

Darrell Mueller Cissell Mueller Companies

Doug Mueller MPP&W P.C.

Dean Orf Didion-Orf Recycling

John Pisa The Pisa Group, Inc.

Greg Semmel Omega Steel Company

Joe Armour Senior Vice President

Nita Cariffe Loan Administrator

Wendy Foster Finance and Operations Assistant

Christy Grafton Assistant Vice President – Retail Banking

Chris Groves Assistant Vice President – Operations

Katie Hayes Retail Banking Officer

Trudi Peters Bookkeeping Administrator

Grace Sandow Loan Administrator

Dave Shores Vice President/Operations Officer

Gregory Smith President/CEO

Jill Starkey Senior Vice President/CFO

Vicki Szarwinski Vice President

Vicki Thomas Retail Banker

Sandra Witzke Administrative Assistant/Loan Administrator

Join us for the day at Ameristar Casino in St. Charles, Wednesday, July 27th. We will handle all the arrangements – food, fun and transportation for a worry free day!

We will board an air conditioned Worlds Fair trolley at 10:00 a.m. and then enjoy lunch at the Landmark Buffet. After that we will spend the next couple of hours trying to win our fortunes! The trolley will transport you back to the bank’s parking lot by 3:00 pm.

Seats are limited so make your reservations today. The cost of the package is $30 per person which includes food and transportation. Gambling money not included.

1st Advantage Bank Day at the Casin

o!

Getting your Kids Involved in Developing a Budget

Pre-Schoolers Visit Bank

for Behind the Scenes Tour

Start teaching your kids early on about all the things that cost money and how important it is to track and monitor where their money goes. A great way to do this is to have them actively engaged in the family budget or doing their own personal budget. Once you have established goals you can help your child develop a budget to ACHIEVE THESE GOALS.

FIRST ACTIVITY How Expensive am I?This exercise is helpful for teaching your kids or tweens about all of the expenses associated with taking care of them and the family, even including the family dog.

SECOND ACTIVITY Family Budget Role Play Kids should complete the following activity to expose them to principles of developing a budget. Give the following scenario to your kids:You are the head of the household. You are responsible for creating a monthly budget for your family for the month of June, 2011. Your budget must be realistic and you must live within your means. Next create a spreadsheet that reflects your family’s monthly income and expenditures.

THIRD ACTIVITY Savings The remainder of your income after all expenses are paid will go into a savings account. Indicate the amount you will put in your savings account, monthly.

FOURTH ACTIVITY Monitor Spending After you have gathered all of the above information, create a spreadsheet showing your budget. Your spreadsheet should contain formulas so you can plug in different numbers each month and your spreadsheet will accurately calculate the current month’s expenses. Don’t let your children get into the bad habit of putting into savings only what’s left over at the end of the budget period. With most teenagers, there’s typically nothing left over!Sit down together periodically to review the budget you’ve developed. Be sure your kids understand the importance of maintaining this budget to avoid overspending and debt trouble. But also remind them that it isn’t carved in stone. If their favorite band is coming to town and they want to splurge on a concert ticket, they can simply cut back on other expenses for a month.

Students from The Learning Lodge recently had a tour of 1st Advantage Bank complete with treats and snacks. Two groups of 20 pre-schoolers went behind the scenes at the bank including testing out the microphone at the drive-thru and designing a mock paper bill. Bank employees spoke about the importance of saving and provided piggy banks to get them started. They also toured the vault, drive-up, and had a meeting in the board room. After talking about the different features on a bill, each child decorated a fake bill with a self-portrait. “The kids were excited to actually see the drive-thru tubes on the inside,” notes Jacinda Kirk, Assistant Director of the Learning Lodge. “They were fascinated with all aspects of the day, especially the money counter.”The Learning Lodge is located at 140 T.R. Hughes Blvd. in O’Fallon, MO. The educational center offers year-round child-care and pre-school featuring Spanish, physical education and computer classes as part of it curriculum. For more information on The Learning Lodge, call 636-240-5634.

Pam and Garrison LoCascio, Jackson Johnson

Contact Christy or Katie at

636-970-0440

Your 1st Advantage

Bank Team!

Customer Spotlight

SCOTT ANGELLAngell Capital Management, LLC

DOLORA BECKERLE Beckerle Preferred Properties

TIM HUFFNiedner, Bodeux,

Carmichael, Huff, Lenox & Pashos, LLPJEFF KOLB

Dave Kolb Grading, Inc.JOE RIVET

Gold Star PavingGREGORY SMITH1st Advantage Bank

Board of Directors

Advisory Directors

Executive Team & StaffJoe Armour Senior Vice President

Nita Cariffe Loan Administrator

Wendy Foster Finance and Operations Assistant

Christy Grafton Assistant Vice President – Retail Banking

Chris Groves Assistant Vice President – Operations

Katie Hayes Retail Banking Officer

Trudi Peters Bookkeeping Administrator

Grace Sandow Loan Administrator

Dave Shores Vice President/Operations Officer

Gregory Smith President/CEO

Jill Starkey Senior Vice President/CFO

Vicki Szarwinski Vice President

Vicki Thomas Retail Banker

Sandra Witzke Administrative Assistant/Loan Administrator

Barry Ginsburg was working as an attorney when he decided to change course and become a small business owner. He bought Midtown Home Improvements in 1999 from its founder, a former client. Ginsburg and his business partner, Pat Melson, now operate the company located at 130 North Central Dr. in O’Fallon, MO.

Midtown offers a full range of home improvement products and services including roof systems, fences, windows, siding, decks, and kitchen, bath and lower level remodeling, and roof systems and fences. The company recently moved to a 12,000 square foot building, just a couple of miles from its original location. The move was necessary so they could expand their warehouse and in-house fence and deck assembly work area.

“When I came here, Midtown already had a great history of taking care of customers,” notes Ginsburg. “Now in our 21st year, we continue to provide great service and great value—referrals are one of our biggest sources of new business.”

Midtown employs 20 full-time and 40 part-time workers. They serve homes and businesses within a 50-mile radius of St. Louis. Melson estimates that more than half of their business comes from St. Charles County.

“People want to stay in their homes now so they want to make improvements such as a new kitchen or bathroom,” he adds.

Midtown gives back to the community by donating to Habitat Restore, area high schools and various booster clubs and charities.

Ginsburg and Melson count on 1st Advantage Bank for their financial needs. “The employees at the bank offer personal, professional service,” says Ginsburg.

“Everyone is committed to making banking convenient and efficient for us,” he adds. “That makes running our business easier. It is so productive to be able to pick up the phone and talk directly with our bankers as opposed to a computer.”

For more information on Midtown Home Improvements, call 636-379-8889.

WHAT’S GOING ON at 1st Advantage Bank?

Dear Valued Customers and Friends:

Spring appears to finally be here along with the fun and activities that come with this time of year. We are also busy planning activities at the bank, some of which are outlined in this newsletter.

We continue to look for ways to improve our products and services to better serve you. In this era of high touch and tech smart phones, i-pads, Facebook and twitter, it is easy to take our eyes off of the one thing that truly sets any business apart from its competitors—customer service. At 1st Advantage Bank, you are not a number but an individual where everybody knows your name!

We recently began offering a new service to make it easy and cost-effective to do business with us. We will pay your ATM fee at any ATM location anywhere in the 50 States. Never pay a fee again!

Come and experience what true community banking is with 1st Advantage Bank!

Sincerely,

Letter From The President

Gregory Smith, President and CEO

Don Telge, winner of gift card to

Calico’s Restaurant from our Valentine’s

Open House.

Attendees at our 2nd Customer Luncheon on Feb. 23rd