Small Business Banking

Get more out of your banking relationship.

Small businessis big business.

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Our LifeDesign DifferenceLifeDesign isn’t just a tagline. It permeates everything we do, and it is what separates us from every other financial institution. It is a process, philosophy, and most importantly a promise, that guides all that we do. A promise we make to our clients, employees, and our communities, to be trusted friends who care about their well-being and use our hearts and our smarts to help them get where they want to be.Fidelity Bank is the most caring bank in the community, because what’s most important to us is not what’s in a person’s bank account, it’s what’s in their heart.

Your Deposits Insured in FullEnjoy the protection and peace of mind that comes from total deposit insurance. Fidelity Bank is a member of the Federal Deposit Insurance Corporation (FDIC), and a member of the Share Insurance Fund (SIF) of the Co-operative Central Bank. This unique combined insurance coverage provides the best insurance available – insured in

Personalized Service and Expert Guidance:Get more from your banking relationship at Fidelity Bank.

• Personal attention• Big-business expertise• In-branch service• Access to the full capabilities of• our cash management professionals

Speak with our Small Business Specialist or any of our Branch Managers today

Visit any of our full service offices located in:800.581.5363 fidelitybankonline.com

Leominster Worcester Fitchburg

Gardner Shirley Barre

Millbury Paxton Princeton

• Personal Checking and Savings

• Money Market, CDs, & IRA CDs

• Online, Mobile, Text, and Telephone Banking

• Online BillPay

• Mobile Check Deposit

• Mortgages and Construction Loans

• Home Equity Lines and Loans

• Investments & Insuranceᵻ

• Small Business Checking and Savings

• Cash Management Services

• Business Internet Banking

• Commercial Real Estate Mortgages

• Commercial Loans & Lines of Credit

OUR FULL RANGE OF BANKING SERVICES INCLUDES:

Fidelity Bank is one of the oldest and continually growing independent, local community banks in Central Massachusetts. We offer a full range of banking, investment, and insurance solutions across 10 full-service offices in Leominster (2), Worcester, Fitchburg, Gardner, Barre, Millbury, Shirley, Paxton, and Princeton.

At Fidelity Bank we believes that everyone –our clients, employees, and community members – deserve the opportunity to grow, improve, and realize their hopes and dreams. We do this through LifeDesign, our unique way of doing business and the promise they make to be caring, trusted friends and help our clients, employees, and community members get where they want to be.

Since 1888, the bank has continued this commitment to the businesses, families, and individuals in the communities it serves; in turn, loyalty demonstrated by members of these cities and towns has allowed us to become one of the strongest financial institutions in the region.

ᵻInvestment products are: Not a deposit. Not FDIC Insured. Not Insured by any federal government agency.Not guaranteed by the bank. May go down in value.

Small Business

You can get the most out of your banking relationship with our Small Business banking solutions. We provide personal attention, big-business expertise, in-branch service, and access to the full capabilities of our cash management professionals.

With solutions to manage your cash, grow your business, borrow money, or plan your investments and insurance, we are committed to providing small business owners with the expertise, products, and services they need and deserve.

Managing CashManaging your cash can be time-consuming and challenging. We can help you overcome both of those hurdles with our responsive array of cash management solutions. So you can spend more time and energy focusing on other business needs.

• Business Free Checking• Business MasterMoney Cards• Internet Banking• Bill Pay• Zero Balance Accounts• Account Wire Transfers• Remote Deposit• Overdraft Privilege• Escrow/Landlord/Tenant Accounts• Merchant Services

Learn more tips for running your business in our Business Guide section of our website at: fidelitybankonline.com

Growing Your BusinessYour business is established, and now you want to take it to the next step – growing it. We can help you expand effectively and efficiently with our proven LifeDesign solutions. Count on us to take the “pain” out of growing pains.

Savings Options• Business Statement Savings• Business Money Market

Borrowing Solutions• Lines of Credit• Equipment Loans• Commercial Real Estate Loans• SBA Loans• Massachusetts CAP• Massachusetts Small Business Banking Partnership

Investments & Insuranceᵻ • Pre- and Post-Retirment Planningᵻ• Investment Managementᵻ• Mutual Fundsᵻ• Asset Protectionᵻ• 401k Managementᵻ• SEP, Uni-K, Roth & Traditional IRAsᵻ• Small Business Protectionᵻ• Life Insuranceᵻ

Other Small Business ServicesEvery business has its unique demands. Which is why we offer exclusive solutions to meet those demands. It’s all part of our LifeDesign approach to doing business with you. Check out these other small business services:

Merchant ServicesFidelity Bank offers Merchants Services through Commonwealth Consulting Group, a leader in processing all forms of electronic payments. Competitive pricing and products, convenience and personal service are what you can expect from our Merchant Services solution.

Services include:Electronic Credit Card ProcessingGift Card ProgramsE-commerce SolutionsCredit Card Terminals, Equipment, and SoftwareMobile ProcessingSpecial Services for Non-profits

Massachusetts Small Business Banking PartnershipWe provide small businesses with greater borrowing power through our participation in the Small Business Banking Partnership designed by the Massachusetts Treasurer’s Office. This program gives small businesses access to commercial loans of less than $1 million.

LifeDesign @ WorkThrough our LifeDesign @ Work program, we will work with you to bring a team of our banking experts to your place of work to discuss the benefits of our LifeDesign difference with your employees – helping them get on the right path to reaching their financial goals. Truly, a bank at work program you can be proud of. When you become a LifeDesign @ Work partner, you’ll provide employees the benefits of receiving premium free and discounted financial services plus access to a team of financial experts and various financial seminars.