FREE EDUCATIONAL SEMINAR! KNOWLEDGE TODAY. CONFIDENCE TOMORROW. 188194 Whether you’re buying your first car, purchasing a home, starting a business, or simply looking to improve your financial future, this seminar will help you understand the lending process and prepare for success. Join Us! DATE: YOU’LL LEARN ABOUT: EACH ATTENDEE WILL RECEIVE: October 7, 2026 Building and improving your credit history TIME: Educational seminar workshop 5:30 – 7:00 PM Understanding your credit report and credit score What lenders look for when reviewing a loan application Sample Credit Report LOCATION: Abbotsford City Hall Credit report request information Documents you’ll need before applying Auto loans and financing basics Budgeting worksheets Home buying and mortgage financing Lending checklists WHO SHOULD ATTEND? • First-time borrowers • Individuals looking to improve their credit • Future home buyers • Current homeowners interested in refinancing • Small business entrepreneurs • Small farm operators • Anyone wanting to make informed borrowing decisions Mortgage refinancing opportunities Home buyer resources Small business and small farm financing options Small Business start-up guide Budgeting before you borrow Common lending mistakes– and how to avoid them RESERVE YOUR SPOT TODAY! Reserve by: October 1, 2026 REFRESHMENTS WILL BE PROVIDED! Call 715-223-2345 Build your Financial Future with Confidence Knowledge is one of the best investments you can make. Join us for an informative, no-pressure seminar designed to give you the tools and confidence to make smart borrowing decisions. We look forward to seeing you there! Email vhalopka@abbybank.com Helping our communities build stronger financial futures — one conversation at a time. LOCAL. TRUSTED. HERE FOR YOU. NMLS #476859 FREE EDUCATIONAL SEMINAR! KNOWLEDGE TODAY. CONFIDENCE TOMORROW. 188194 Whether you’re buying your first car, purchasing a home, starting a business, or simply looking to improve your financial future, this seminar will help you understand the lending process and prepare for success. Join Us! DATE: YOU’LL LEARN ABOUT: EACH ATTENDEE WILL RECEIVE: October 7, 2026 Building and improving your credit history TIME: Educational seminar workshop 5:30 – 7:00 PM Understanding your credit report and credit score What lenders look for when reviewing a loan application Sample Credit Report LOCATION: Abbotsford City Hall Credit report request information Documents you’ll need before applying Auto loans and financing basics Budgeting worksheets Home buying and mortgage financing Lending checklists WHO SHOULD ATTEND? • First-time borrowers • Individuals looking to improve their credit • Future home buyers • Current homeowners interested in refinancing • Small business entrepreneurs • Small farm operators • Anyone wanting to make informed borrowing decisions Mortgage refinancing opportunities Home buyer resources Small business and small farm financing options Small Business start-up guide Budgeting before you borrow Common lending mistakes– and how to avoid them RESERVE YOUR SPOT TODAY! Reserve by: October 1, 2026 REFRESHMENTS WILL BE PROVIDED! Call 715-223-2345 Build your Financial Future with Confidence Knowledge is one of the best investments you can make. Join us for an informative, no-pressure seminar designed to give you the tools and confidence to make smart borrowing decisions. We look forward to seeing you there! Email vhalopka@abbybank.com Helping our communities build stronger financial futures — one conversation at a time. LOCAL. TRUSTED. HERE FOR YOU. NMLS #476859
