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Page[1]=new Array("RESOURCES - Links","You may find the following website links helpful.","American Banking Association","Deluxe Check Printing 800-335-8931","Eastern Michigan Better Business Bureau","Equifax","Experian","Federal Deposit Insurance Corporation","Lapeer County","Michigan Certified Development Corporation","Michigan Economic Development Corporation","Michigan Small Business & Technology Development Center","Michigan Works","National Consumer League's Fraud Information Center","Oakland County Michigan","PCQuote.com","Raymond James Financial Services","Small Business Association","State of Michigan","Trans Union","U.S.","Government Identity Theft","Yahoo Small Business Directory","Choose a Form to Download and Print","Personal","ATM Card Application","Credit Card Application","Home Equity Application","Installment Loan Application","Mortgage Loan Pre-Qualification Form","Online Banking Application","Rate Sheets","Certificate of Deposit","Checking Accounts","Credit Cards","Home Equity Loans","Installment Loans","IRAs","Mortgage Loans","Savings Accounts Business","ATM Card Application","Commercial Loan Application","Credit Card Application","Credit Card Rates","Online Banking Application","Online Bill Payment Application","Personal Financial Statement","SBA Loan Documents","VISA Check Card Application","Oxford Bank  Resources - Website Links and Form Downloads","./RESOURCES-links.cfm","12.4","15 Dec 2003");
Page[2]=new Array("Oxford Bank - Serving Each Generation One Person at a Time","./template.cfm","9.4","15 Dec 2003");
Page[3]=new Array("CONTACT US - Banking Hours","Banking Hours of Operation","Lobby: Mon.-Thurs.","9am-3pm","Friday 9am-6pm","Saturday 9am-noon","Drive-in: Oxford, Lake Orion","Mon., Tues., Wed., Sat.","9am-6pm","Thurs., Fri.","9am-7pm","Clarkston","Mon.-Sat.","9am-6pm","Addison-Oaks, Ortonville, Dryden","Mon.-Fri.","9am-6pm","Sat.","9am.-1pm","Finance Center: Mon.-Thurs.","8:30am-4:30pm","Friday 8:30am - 5pm","Commercial Lending Center: Mon.-Thurs.","8:30am-4:30pm","Friday 8:30am - 5pm","Oxford Bank - Banking Hours of Operation","./CONTACT-bankinghours.cfm","10.7","15 Dec 2003");
Page[4]=new Array("CONTACT US - Talk to Us","Name","Street Address","State","Zip","Telephone #","Email Address","Contact Me About -- Select a Topic -- CDs Checking Commercial Lending Debit & Credit Cards Financial Services Online Banking Personal Loans Savings Telephone Banking Other","Questions/Comments","or print this page and drop it by one of our branches.","Or you may mail this printed page to:","Oxford Bank","Main Office","60 South Washington","Oxford, MI 48371","Oxford Bank - Contact Us Email Form","./CONTACT-talktous.cfm","11.1","15 Dec 2003");
Page[5]=new Array("Thank You for visiting the Oxford Bank website!","You are about to leave the Oxford Bank web site.","Oxford Bank cannot control or be held responsible for the privacy of information you provide after leaving this site and Oxford Bank has no control over any information on non-Oxford Bank sites.","Return to previous page.","Note: You can easily return to www.oxfordbank.com by simply closing the new window.","Oxford Bank - Serving Each Generation One Person at a Time","./goodbye.cfm","17.3","15 Dec 2003");
Page[6]=new Array("Site Map","Oxford Bank - Serving Each Generation One Person at a Time","./sitemap-content.cfm","9.8","15 Dec 2003");
Page[7]=new Array("Committed to Protecting Your Privacy","At Oxford Bank, the basis of each customer relationship, many of which span several generations, is trust.","You have chosen to do business with Oxford Bank, and we have taken that responsibility seriously.","We believe that your privacy should not be comprised.","At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals.","We believe that we can do both through the Privacy Policy outlined below.","This Privacy Policy applies to non-public personal information about individuals who obtain financial products or services from us primarily for personal, family, or household purposes.","Personal Information Use","We collect, retain, and use information about you only where we reasonably believe it will help administer our business or provide products, services and other opportunities to you.","For example, this information enables us to: &quot;	Serve and administer your accounts with accuracy.","&quot;	Provide you with high-quality, comprehensive services.","&quot;	Extend special offers and discounts based on your total relationship with us.","&quot;	Introduce you to other companies within the Oxford Bank family that offer specialized products or services.","Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us.","We will investigate your concerns and correct any inaccuracies in a timely manner.","Information We Collect","Data that we receive from you personally on applications, forms, or other correspondence, such as your name, address, phone number, assets and income.","Information about your transactions with us, such as account balance, location of transactions, parties to transactions, and payment history.","Information that we receive from others in order to establish your relationship with us, such as credit reports and income verification.","Information Disclosure","We restrict access to non-public personal information about you to those employees who need to know it to provide products and services to you.","Employees are educated on the importance of maintaining the confidentiality of customer information and these Privacy Principles.","We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.","We do not reveal specific information about your accounts or other personally identifiable data to parties outside the Oxford Bank family for their independent use, unless:","You request or authorize the release of information.","The information is provided to help complete a transaction initiated by you.","The information is provided to a reputable credit bureau or similar information-reporting agency.","The disclosure is otherwise lawfully permitted or required.","We do not provide account or personal information to non-Oxford Bank affiliated companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.","When We Do Share Information","When Oxford Bank does provide information to a third party in completing a transaction initiated by you, we will insist, through written agreement, that the third party adhere to privacy principles similar to those which Oxford Bank adheres to for keeping this information confidential.","Protecting Information About Former Customers","If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices provided in this notice.","Information We Can Share With Our Corporate Family About You - Unless You Ask Us Not To","Unless you tell us not to, Oxford Bank may share with companies in our Corporate family* information about you including:","Data we obtain from your application, such as your income or business status.","Information we obtain from a consumer report, such as your credit score or credit history.","Information we obtain to verify representations by you, such as your open lines of credit.","Information we obtain from a person regarding their employment, credit, or other relationship with you, such as your employment history.","Companies in our Corporate Family","The Oxford Bank corporate family includes our holding company Oxford Bank Corporation; and our subsidiaries Oxford Bank Mortgage Services, LLC, and Oxford Financial Services, Inc.","How To Request Your Information Remain Confidential","If you prefer that we not share your non-public personal information with companies in our corporate family, please let us know by calling toll-free, 1-800-762-8988.","By choosing to &quot;opt-out&quot; you will limit your opportunity to receive product and service information that may be of interest to you.","Customers that have questions about this privacy policy, or have questions about the privacy of their personal information, should call Oxford Bank at 248-628-2533, or email us at privacy@oxfordbank.com.","Disclosures","ELECTRONIC FUNDS TRANSFERS - YOUR RIGHTS AND RESPONSIBILITIES","The Electronic Funds Transfers we are capable of handling are indicated below, some of which may not apply to your account.","Please read this disclosure carefully because it tells you your rights and obligations regarding these transactions.","You should keep this notice for future reference.","Direct Deposit - You may make arrangements for certain direct deposits to be accepted into your Checking or Savings accounts.","Pre-authorized Withdrawals - You may make arrangements to pay certain recurring bills from your Checking or Savings accounts.","ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number to.","Make deposits to checking account(s) - With an ATM card there is a charge of $1.00 per transaction at ATMs we do not own or operate.","Make deposits to savings account(s) - There is a charge of $1.00 per transaction at ATMs we do not own or operate.","Withdraw cash from checking account(s) - You may no more than $200.00 per day.","There is a charge of $1.00 per transaction at ATMs we do not own or operate.","Withdraw cash from savings account(s) with an ATM card - You may withdraw no more than $200.00 per day.","There is a charge of $1.00 per transaction at ATMs we do not own or operate to transfer funds from savings to checking account(s) with an ATM card, or to transfer funds from checking to savings account(s) with an ATM card.","Some of these services may not be available at all terminals.","Please also see Limitations on Frequency of Transfers section regarding limitations that apply to ATM transfers.","Limitations on Frequency of Transfers - In addition to those limitations on transfers described elsewhere, if any, the following limitations apply:","Transfers from a Statement Savings account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per statement cycle with no transfers by check, debit card or similar order to third parties.","Minimum Account Balance - You must maintain a minimum account balance of $0.00 in your Checking or Savings account as a condition of using an access device (card and/or identification code) to accomplish a transfer.","CHARGES FOR ELECTRONIC FUNDS TRANSFERS","We do not charge for direct deposits to any type of account.","We do not charge for pre-authorized withdrawals from any type of account.","Except as indicated elsewhere, we do not charge for electronic funds transfers.","RIGHT TO DOCUMENTATION","Terminal Transfers.","You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines.","Direct Deposits.","If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (248) 628-2533 to find out whether or not the deposit has been made.","If the only possible transfers to or from your account are direct deposits, you will get a quarterly statement from us.","Periodic Statements.","You will get a monthly account statement from us for your Checking or Statement Savings accounts.","For passbook accounts, if the only possible electronic transfers to or from your account are pre-authorized deposits, we do not send periodic statements.","You may bring your passbook to us and we will record any electronic deposits that were made since the last time you brought in your passbook.","STOP PAYMENT PROCEDURES AND NOTICE OF VARYING AMOUNTS","Right to Stop Payment and Procedure for Doing So.","If you have told us in advance to make regular payments out of your account, you can stop any of these payments by: Calling or writing us in time for us to receive your request three business days or more before the payment is scheduled to be made.","If you call, we may also require you to put your request in writing and submit it to us within 14 days after you call.","We will charge you $15.00 for each stop payment order you request.","Notice of Varying Amounts.","If these regular payments vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.","(You may choose instead to get this notice only when the payment differs by more than a certain amount from the previous payment, or when the amount falls outside certain limits that you set.)","Liability for Failure to Stop Payment of Pre-authorized Transfer.","If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.","OUR LIABILITY","Liability for Failure to Make Transfers.","If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.","However, there are some exceptions.","We will NOT be liable, for instance:","If, through no fault of ours, you do not have enough money in your account to make the transfer.","If the transfer would go over the credit limit on your overdraft line.","If the automated teller machine where you are making the transfer does not have enough cash.","If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.","If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.","There may be other exceptions stated in our agreement with you.","REGULATORY AUTHORITY","If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify:","Financial Institutions Bureau","Michigan Department of Commerce","P.O.","Box 30224","Lansing, Michigan 48909","F.D.I.C.","Chicago Regional Office","500 W Monroe","Suite 3600","Chicago, IL.","60661","UNAUTHORIZED TRANSFERS","Tell us AT ONCE if you believe your card and/or code has been lost or stolen.","Telephoning is the best way of keeping your possible losses down.","You could lose all of the money in your account (plus your maximum overdraft line of credit).","If you tell us within two business days, you can lose no more than $50 if someone used your card without your permission.","If you do not tell us within two business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you can lose as much as $500.","Also, if your statement shows transfers that you did not make, tell us at once.","If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.","If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.","If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us.","ERROR RESOLUTION","In case of errors or questions about your electronic transfers, call or write us, as soon as you can.","You should also contact us if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt.","We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.","Tell us your name and account number (if any).","Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.","Tell us the dollar amount of the suspected error.","If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days.","We will tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly.","If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question.","If we decide to do this we will re-credit your account within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.","If we ask you to put your complaint or questions in writing, and we do not receive it within 10 business days, we may not re-credit your account.","If we decide that there is no error, we will send you a written explanation within three business days after we finish our investigation.","You may ask for copies of the documents that we used in our investigation.","OXFORD BANK","60 SOUTH WASHINGTON STREET","OXFORD, MICHIGAN 48371","Business Days: Monday through Saturday","Phone: (248) 628-2533","USE OF LINKS","The Oxford Bank Internet site provides &quot;links&quot; to other sites on its' links page.","These links are not affiliated with the Oxford Bank, and are only provided for the user's convenience.","MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST","Oxford Bank - Serving Each Generation One Person at a Time","./privacy-content.cfm","25.5","15 Dec 2003");
Page[8]=new Array("Serving Each Generation One Person at at Time","Since 1884, Oxford Bank has been dedicated to providing quality banking services with a personal touch to residents and businesses in North Oakland County.","We look forward to continuing to serve you, your business, and your family well into the future.","Oxford Bank offers a wide range of competitive banking products and services, to provide you a banking solutions to fit your individual needs.","At Oxford Bank, we take great pride in our banking products and our commitment to exceptional customer service.","Our Business Banking products include Savings and Checking Accounts, Loans, Merchant Card Processing, Direct Deposit, Investment Accounts and more.","As part of our ongoing commitment to meeting your financial needs, Oxford Bank offers its customers a wide variety of banking products and services, including complete online banking.","With Oxford Bank Online, you'll be able to view account balances, transfer funds between accounts, pay your bills electronically, and much more.","--Insert Mortgage copy here--","Featured Specials","-- Need Input and Server Access--","Online Banking","username:","password:","Oxford Bank - Serving Each Generation One Person at a Time","./index.cfm","14","15 Dec 2003");
Page[9]=new Array("RESOURCES","Oxford Bank Resources","FAQ","Glossary of Terms","Identity Theft","Credit Report Basics","Loan Calculators","Credit Counseling Services","Links","Oxford Bank - Serving Each Generation One Person at a Time","./resources-content.cfm","10.3","15 Dec 2003");
Page[10]=new Array("ABOUT US","Oxford Bank - About us","History","Employment","Annual Report","Quarterly Report","Shareholder Services","Press Releases","Oxford Bank - Serving Each Generation One Person at a Time","./aboutus-content.cfm","10.2","15 Dec 2003");
Page[11]=new Array("PERSONALBANKING","Oxford Bank Personal Banking","Savings Accounts","Checking Accounts","Loans","Merchant Card Processing","Direct Deposit","Credit Cards","Non-Profit, Government, Municipality","Business Investment Accounts","Resources","Online Business Banking","Oxford Bank - Serving Each Generation One Person at a Time","./businessbanking-content.cfm","10.7","15 Dec 2003");
Page[12]=new Array("CONTACT US - Branch Locations","Many Branch Offices For Your Convenience","Addison-Oaks Office","(include picture)","35 Rochester Road","Oakland, Michigan 48363","586-752-4555 phone","586-752-7404 fax","map","hours","Clarkston Office","(include picture)","7199 N.","Main Street","Clarkston, Michigan 48346","248-625-0011 phone","248-625-0012 fax","map","hours","Dryden Office","(include picture)","5459 Main Street","Dryden, Michigan 48428","810-796-2651 phone","810-796-9509 fax","map","hours","Lake Orion","(include picture)","1115 S.","Lapeer Road","Lake Orion, Michigan 48361","248-693-6261 phone","248-693-6263 fax","map","hours","Ortonville","(include picture)","345 S.","Ortonville Road (M-15)","Ortonville, Michigan 48462","248-627-2813 phone","248-627-2814 fax","Ortonvillemap","hours","Oxford Office","(include picture)","60 S.","Washington","Oxford, Michigan 48371","248-628-2533 phone","248-969-7230 fax","map","hours","Finance Center","(Oxford Bank Mortgage Services, L.L.C & Consumer Loan Services)","(include picture)","64 S.","Washington","Oxford, Michigan 48371","248-969-7222 phone","248-969-7224 fax","map","hours","Commercial Loan Office","720 N.","Lapeer, Suite 201","Lake Orion, Michigan 48362","248-693-7473 phone","248-693-7825 fax","map","hours","Oxford Bank - Serving Each Generation One Person at a Time","./CONTACT-branchlocations.cfm","12.2","15 Dec 2003");
Page[13]=new Array("CONTACT US","Oxford Bank Contact Information","Talk to Us","Branch Locations","Banking Hours","Oxford Bank - Serving Each Generation One Person at a Time","./contact-content.cfm","10","15 Dec 2003");
Page[14]=new Array("PERSONALBANKING","Oxford Bank Personal Banking","Savings Accounts","CD Products","Checking Accounts Checking Account Options","Regular Checking Account","NOW Checking Accounts","Money Market Checking Account","College Vision Account Personal Banking Benefits","Mortgage Loans","Home Equity Loans","Lines of Credit","Installment Loans","Credit Cards","Debit Card","ATM Card","Online Banking","Telephone Banking","Additional Services","Oxford Bank - Serving Each Generation One Person at a Time","./personalbanking-content.cfm","11.5","15 Dec 2003");
Page[15]=new Array("IN THE COMMUNITY","Mission Statement","Need input","Current Projects","Need input","Organization Support Policy","Need input","Investment","Need input","Oxford Bank - Serving Each Generation One Person at a Time","./COMMUNITY-inthecommunity.cfm","10.1","15 Dec 2003");
Page[16]=new Array("PERSONAL BANKING - Vehicle, Boat, RV Loans","Installment Loans for Vehicles, Boats & RV's","If you are thinking about a new car, boat, personal watercraft or recreational vehicle, Oxford Bank can help.","An Oxford Bank Installment Loan is a fixed interest rate loan, so your payment stays the same each month - helpful for budgeting purposes.","We also offer these other important loan features:","Secured and unsecured","Multiple payment options","Loan repayment insurance available","Automatic payment discount","Favorable terms","To learn more about new or used car pricing, visit Kelly Blue Book.","The application process is fast and easy, our rates are very competitive, and you don't have to put a lot of money down.","Just print out an application and bring it to any one of our convenient locations and we'll get started.","Contact us today to with any questions.","&quot;Learn the Basics of Credit Reports and Scoring&quot;","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-VehicleBoatRVLoans.cfm","11.1","15 Dec 2003");
Page[17]=new Array("PERSONAL BANKING - Additional Services","Additional Oxford Bank Services","As a full service bank, Oxford Bank offers a variety of services in addition to our various savings, checking, loan, credit card, and investment accounts.","Automatic Teller Machines","Bank By Mail","Cashier Checks","Direct Deposit","Drive-up Windows","Foreign Drafts","Government Savings Bonds","Money Orders","NYCE and Plus System ATM networks","Night Depository","Notary Service","Payroll & Social Security Check Direct Deposit","Safe Deposit Boxes","Stock Transfers","Time Certificates","Travelers Checks","Wire Transfers of Funds","For Additional information visit any one of our branch offices or contact us online.","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-AdditionalServices.cfm","11.1","15 Dec 2003");
Page[18]=new Array("PERSONAL BANKING - ATM Card","ATM Card - For Your Convenience","Having an Oxford Bank ATM (Automatic Teller Machine) card provides you with the flexibility and convenience of banking without visiting an Oxford Bank branch.","There is no need to worry about running out of money when you're out of town or out of the country.","You can withdraw, deposit, or transfer funds any time of day, anywhere you see the NYCE or Plus System ATM networks.","When you receive your ATM card, you'll also be assigned a personal identification number (PIN) to provide added security against someone making transactions without your consent.","Upon applying, you can expect your ATM card to arrive within 10 days of your approval.","Your PIN will be sent to you in a separate mailing.","If you prefer to choose your own PIN, contact us at 1-800-335-1064.","Apply for your ATM Card today!","Or, for more information contact us.","Safety Tips for Using ATMs","Automated teller machines (ATMs) provide quick, easy access to your money.","For your safety, please observe these tips.","Memorize your Personal Identification Number (PIN).","Do not write your PIN on your ATM/VISA Check Card or leave it in your wallet.","If you must write down your PIN, do not keep it in your wallet, purse, or on the card itself.","Protect your ATM/VISA Check Card from damage by keeping it in a safe place - don't allow your VISA Check Card to bend or be scratched.","When selecting a PIN, avoid numbers and letters that can be easily identified or associated with you.","Do not use your initials, birth date, or telephone number.","Keep your PIN a secret.","Someone you trust today may not be trustworthy tomorrow.","If you suspect unauthorized use of your card, notify your financial institution immediately.","To Report a Lost/Stolen VISA card, immediately call: (800) 335-1064.","Stand between the ATM and people waiting to use the machine, and shield the keyboard so others can't see you enter your PIN.","Always take your ATM receipt with you or shred the receipt before discarding it.","Receipts may contain valuable account information that should be safeguarded.","When using an ATM after sunset, consider going with another person to an ATM in a well-lit area.","If someone in the area looks suspicious, cancel your transaction, retrieve your ATM/debit card and immediately leave the area.","Choose another ATM in a safer location.","Have your transactions ready before going to the ATM.","Fill out your deposit slip, place your checks or cash in an envelope and seal it before you arrive at the ATM location.","Have your ATM/VISA Check Card ready to insert into the machine before arriving at the ATM so you don't have to reach into your purse or wallet while standing in front of the ATM.","Don't fall for &quot;con&quot; games.","If anyone asks you to withdraw money for any reason, leave the area at once.","Notify your financial institution and local law enforcement officials immediately of any criminal activity.","Never give information about your ATM account to strangers or inquirers on the telephone.","Communicate this information only to your financial institution in person.","If you are using an indoor ATM that requires your card to open the door, avoid letting anyone come in with you that you do not know.","Don't count your cash while standing at the ATM - put your cash, card and receipt away immediately.","Cancel your transaction and leave immediately if you see anything suspicious.","Confirm, as soon as possible, with Oxford Bank that the transaction was canceled.","Always make sure that your transaction is complete and that your account is not left open.","Never forget to take your card or receipt with you when you leave.","Lock the car doors and roll up the other windows when you use a drive-through ATM.","Do not leave your keys or valuables in the car when using an ATM - and do not leave your car engine running.","Back to top","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-ATMCard.cfm","15","15 Dec 2003");
Page[19]=new Array("PERSONAL BANKING - CD Products","CD Products - Safety, Security, Great Rates","Certificates of Deposit provide higher earnings with a guaranteed interest rate.","CDs are a convenient savings option when you want to know exactly how much your money will earn in a fixed period of time.","Our full line of CDs include a broad range of maturity dates, fixed or variable rates, a choice of interest payment dates and terms from 3 to 72 months, and a $500 minimum opening balance.","Generally, the longer the term you select, the higher your rate and yield will be.","Whatever your investment goals, we have CDs to match.","And remember. you can relax with a CD from Oxford Bank, as your deposits and interest earned are FDIC insured up to the maximum amount allowed by law.","Click here for our CD Account Rates","Our 12 through 72 month CDs are also available as investment options for IRA programs offered through Oxford Bank (more info).","Visit one of our branch locations or call 248-628-2533 for more information.","Or, contact us online for more details.","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-CDProducts.cfm","11.1","15 Dec 2003");
Page[20]=new Array("PERSONAL BANKING - Checking Accounts","Checking Account Options","To properly manage your personal finances Oxford Bank provides you the following flexible checking account options:","Regular Checking Account","Our regular checking account provides you with the convenience of having check-writing privileges with no service charges if a minimum balance of $300 is maintained during the statement period.","Otherwise, the following fees apply:","Each debit or credit $0.25","Monthly statement fee $3.00","$300 minimum balance No Service Fee","Visit one of our branch locations or call 248-628-2533 for more information.","Or contact us online for more details.","You may reorder checking supplies by visiting your nearest branch or by contacting Deluxe Checks at 800-335-8931.","Back to top","NOW Checking Account","The Oxford Bank NOW checking account keeps your money working for you by earning interest on your account balance.","The higher your balance, the higher your rate of interest.","Service charges do not apply to NOW checking accounts as long as a $500 or greater minimum balance is maintained during the statement period.","Otherwise, accounts are charged as follows:","Each check, debit, or withdrawal $0.25","Each deposit or credit $0.25","Monthly statement fee $3.00","$500 minimum balance No Service Fee","Click here for our NOW Checking Account Rates","Visit one of our branch locations or call 248-628-2533 for more information.","Or contact us online for more details.","You may reorder checking supplies by visiting your nearest branch or by contacting Deluxe Checks at 800-335-8931.","Back to top","Money Market Checking Account","The Oxford Bank Money Market Checking account (MMCA) keeps your money working for you by earning interest on your account balance.","The higher your balance, the higher your rate of interest!","The interest on your account is compounded monthly, and the interest rate and annual percentage yield can change.","The minimum balance to open the account is $1000.","Up to six (6) transactions are allowed per statement cycle, of which three (3) may be written checks.","Monthly statement fee $7.50","$1000 minimum balance No Service Fee","Click here for our MMCA Checking Account Rates","Visit one of our branch locations or call 248-628-2533 for more information.","Or contact us online for more details.","You may reorder checking supplies by visiting your nearest branch or by contacting Deluxe Checks at 800-335-8931.","Back to top","College Vision Account","The College Vision Account is a non-interest bearing personal checking account with no minimum balance requirements designed to accommodate the special banking needs of students.* The Oxford Bank College Vision Account offers the following features:","No monthly fees","Free pre-printed checks**","No per check charges up to 15 checks per month (each check over 15 will have a $0.25 charge accessed)","Free ATM or VISA Check Card (transactions at an Oxford Bank ATM are free; transactions using other banks' teller machines incur a $1.00 fee plus whatever other fees that bank may charge).","No annual fee VISA or MasterCard, subject to credit approval and parental co-signer.","Credit limit begins at $500.","* Students under the age of 18 will be required to have a parent as co-owner of the account.","** Selection limited to basic check styles available at listed prices.","You may reorder checking supplies by visiting your nearest branch or by contacting Deluxe Checks at 800-335-8931.","Visit one of our branch locations or call 248-628-2533 for more information.","Or, contact us online for more details.","Back to top","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-CheckingAccounts.cfm","16.5","15 Dec 2003");
Page[21]=new Array("PERSONAL BANKING - Credit Cards","Credit Cards - VISA GOLD, VISA CLASSIC and MasterCard","Oxford Bank offers VISA GOLD, VISA CLASSIC and MasterCard credit cards to make purchasing goods and services at millions of locations across the world convenient and secure.","Our approval process is quick and easy, and our interest rates are very competitive.","Below are the many advantages of an Oxford Bank credit card.","VISA CLASSIC and MasterCard Benefits","No annual fee","Acceptance at ATM locations worldwide","On-line account access","Automatic Travel Accident Insurance","Toll-free Travel Reservation Service","Auto rental discounts & insurance","New, Verified By Visa on-line purchase protection1,2","Membership in ScoreCardTM Awards Travel & Merchandise Program (If you are an Oxford Bank credit card holder, click to view your reward points.)","And more","1 VISA CLASSIC and GOLD only","2 Verified by Visa protects your existing Visa card with a personal password, giving you reassurance that only you can use your Visa card online.","This free service gives you password protection when you shop online.","To activate your Verified by Visa password, simply shop at a participating online store listed at www.visa.com/shopverified.","Once you activate your password, Verified by Visa is active with every participating online store.","Additional VISA GOLD Benefits","Auto Rental Collision Damage Waiver Insurance","Warranty Manager Service","Gold Travel Assistance Services","Stop by or call us at 248-628-2533, and we'll send you an application.","Soon you will be shopping with the convenience, security, and peace-of-mind of an Oxford Bank VISA CLASSIC, VISA GOLD, or MasterCard credit card.","Or if you wish, contact us online.","Click here for credit card rate information.","VISA ATM Locations","MasterCard ATM Locations &quot;Learn the Basics of Credit Reports and Scoring&quot;","To Report a Lost/Stolen VISA card, immediately call: (800) 335-1064.","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-CreditCards.cfm","13","15 Dec 2003");
Page[22]=new Array("PERSONAL BANKING - Debit Card","Visa Check Card - Like A Checkbook, But With More Power!","Most checkbooks can only do one thing - write checks.","The Oxford Bank VISA Check Card is a debit card that works like a checkbook but gives you a faster, more convenient way to buy the products and services you need.","The VISA Check Card allows you to withdraw funds from your checking account without writing a check! In addition, the VISA Check Card performs all the functions of an ATM card.","Valid anywhere VISA is accepted.","Get cash easily when you're out of town.","Forget the hassle of remembering to bring your checkbook, pen, and two forms of identification.","Check printing fees are gone forever.","Every month in which you have a transaction, you'll receive an account statement that includes the date, location, and amount of every transaction you've made.","It's the checking-withdrawing-depositing-and-transferring-funds card in one! Apply for your VISA Check Card today!","Or, for more information contact us.","To Report a Lost/Stolen VISA card, immediately call: (800) 335-1064.","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-DebitCard.cfm","11.1","15 Dec 2003");
Page[23]=new Array("PERSONAL BANKING - Home Equity Loans","Unleash The Power Of Your Home","A Home Equity Loan from Oxford Bank is a great tool to help homeowners pay for renovations to their house, finance an education, take a vacation, or consolidate debt.","We can help you tap the equity in your home to provide you with the buying power to pursue your dreams.","Our Home Equity Loan allows you to borrow a set amount with both a fixed interest rate and fixed term of re-payment.","You may also be able to qualify for a discounted interest rate if you choose our automatic payment feature - just ask your loan officer.","Unlike interest paid on other types of loans, interest on a home equity loan may be tax deductible, but consult with your tax advisor to be sure.","Mortgage Calculator","Learn the Basics of Credit Reports and Scoring","Home Equity Loan1 Features","No closing costs","No application fees","No points","No prepayment penalty","No annual fee","Multiple payment options","Automatic payment discount available2","1Applicant must carry insurance on the property that secures a Home Equity Loan.","2Applies only to Oxford Bank accounts.","How Much Can I Borrow?","Oxford Bank will loan you money based on the equity you have in your home.","This chart will give you an idea of how much money you could receive if you borrowed 80% of the value of your home.","Example Your Home","Estimate the value of your home $200,000 $ _______","Multiply by .80 x ____.80 x _____.80","= $160,000 = $_______","Subtract your current mortgage balance -$100,000 - $_______","Amount of equity available $60,000 $_______","Contact us today to learn more about a Home Equity Loan from Oxford Bank.","Or, just print out an application and bring it to any one of our six, nearby locations and we'll get started.","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-HomeEquityLoans.cfm","15.1","15 Dec 2003");
Page[24]=new Array("PERSONAL BANKING - Investment Accounts","Investment Accounts Help You Plan For The Future","Oxford Bank offers traditional IRA, Roth IRA, and Coverdale Education Savings Accounts to help you plan for your retirement or children's education expenses.","These accounts require a minimum deposit of $50 and may be tax deductible.","We recommend checking with your tax advisor for specific information about your tax situation.","Multiple term options, and two types of rates are available - fixed and variable.","Contact us for additional details or stop by one of our branch locations.","More On The Traditional IRA","The Traditional IRA is an account that allows you to defer taxes on the earnings on your contributions until they are withdrawn.","Also, certain contributions are tax deductible in the tax year for which they are made.","Eligibility: You are eligible to establish a traditional IRA if you are younger than age 70 ½ for the entire tax year and have earned income (or your spouse has earned income).","You are eligible to establish a Traditional IRA even if you already participate in or are receiving contributions from a retirement plan sponsored by your employer, which may include certain government plans, tax-sheltered annuities, Simplified Employee Pension (SEP) plans, Savings Incentive Match Plans for Employees of Small Employers (SIMPLE), or other qualified plans.","In 2003 and 2004 the annual contribution limit is $3000 for those age 49 and younger.","Those age 50 or older by the end of the 2003 tax year may contribute up to $3,500.","To Open An Account or for Additional information please visit any one of our branch office IRA representatives or contact us.","online.","Back to top","More On The Roth IRA","The Roth IRA allows only non-deductible contributions and features tax-free withdrawals for certain distribution reasons after a five-year holding period.","Since Roth IRA contributions are non-deductible and taxed in the year they are earned; if you expect to be in a higher tax bracket when you retire, you may benefit more from a Roth IRA than from a Traditional IRA.","In 2003 and 2004 the annual contribution limit is $3000 for those age 49 and younger.","For those age 50 or older by the end of the 2003 tax year, you may contribute up to $3,500.","Eligibility: There are two requirements for eligibility: you must have earned income (or your spouse must have earned income), and your modified adjusted gross income (MAGI) cannot exceed certain limits (see table below).","You are eligible to establish a Roth IRA even if you already participate in or are receiving contributions from a retirement plan sponsored by your employer.","This may include certain government plans, tax-sheltered annuities, Simplified Employee Pension (SEP) plans, Savings Incentive Match Plans for Employees of Small Employers (SIMPLE), or other qualified plans.","Additional Roth IRA Contribution Limits","Single Filers","MAGI of $95,000 or less: Full Contribution","MAGI of $95,000 - $110,000: Partial Contribution","MAGI of $110,000 or more: No Contribution Married, Joint Filers","MAGI of $190,000 or less: Full Contribution","MAGI of $190,000 - $220,000: Partial Contribution","MAGI of $220,000 or more: No Contribution","To Open An Account or for Additional informationcontact us.","online.","Back to top","More On The Coverdale Education Savings Account","The Coverdale Education Savings Account (CESA) is a non-deductible account that features tax-free withdrawals for the specific purpose of a child's education expenses.","Formerly known as an Education IRA, a CESA may look similar to Traditional or Roth IRAs.","Higher education distributions from a Traditional or Roth IRA are only penalty tax-free; the same distributions from a CESA are penalty free and federal income tax free.","The total aggregate contribution into one or more CESAs on behalf of a child (under the age of 18) is $2000 a year depending on your Modified Adjusted Gross Income (MAGI).","The MAGI limits are:","Single Filers","MAGI of $95,000 or less: Full Contribution","MAGI of $95,000 - $110,000: Partial Contribution","MAGI of $110,000 or more: No Contribution Married, Joint Filers","MAGI of $190,000 or less: Full Contribution","MAGI of $190,000 - $220,000: Partial Contribution","MAGI of $220,000 or more: No Contribution","The Coverdale Education Savings Account (CESA) is a non-deductible account that features tax-free withdrawals for the specific purpose of a child's education expenses.","Formerly known as an Education IRA, a CESA may look similar to Traditional or Roth IRAs.","Higher education distributions from a Traditional or Roth IRA are only penalty tax-free; the same distributions from a CESA are penalty free and federal income tax free.","To Open An Account or for Additional informationcontact us.","online.","Back to top","Other Investment Opportunities","In addition to IRA's, Oxford Bank offers a variety of other investment services through it's partner Raymond James Financial Services.","Just a few of the products and resources available include:","Stocks","Bonds","Mutual Funds","Options","Insurance","Financial Research","Tax Planning","Estate Planning","Financial Planning","See a branch administrator for details or contact Raymond James Financial Services.","Raymond James Financial Services","Robert M.","Whitcomb, CFS, RFC","720 N.","Lapeer Road, Suite 201","Lake Orion, Michigan 48362","248-814-6580","rwhitcomb@rjfs.com","Raymond James Financial Services, Inc., Member NASD/SIPC, is an independent broker/dealer, and are not insured by the FDIC or any other bank insurance, are not deposits or obligations of the bank, are not guaranteed by Oxford Bank, and are subject to risks, including the possible loss of principal.","Back to top","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-InvestmentAccounts.cfm","19.4","15 Dec 2003");
Page[25]=new Array("PERSONAL BANKING - Lines of Credit","Lines of Credit","Your home is likely your biggest asset.","Why not let Oxford Bank help you make the most of it? The Oxford Bank Home Equity Line of Credit provides a variable interest rate that is tied to the current prime rate.","Upon approval, customers can write checks to themselves, as needed, to make important purchases or pay off other debt.","Easy access to money when you need it, and flexible payment terms give you the comfort of knowing that you and your family can manage life's uncertainties.","Mortgage Calculator","Lines of Credit1 Features","No closing costs","No application fees","No points","No prepayment penalty","No annual fee","1Applicant must carry insurance on the property that secures a Home Equity Line of Credit.","Unlike interest paid on other types of loans, interest on a home equity loan may be tax deductible, but consult with your tax advisor to be sure.","Contact us today to learn more about a Home Equity Line of Credit from Oxford Bank.","Or, just print out an application and bring it to any one of our nearby locations to get started.","&quot;Learn the Basics of Credit Reports and Scoring&quot;","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-LinesofCredit.cfm","13.9","15 Dec 2003");
Page[26]=new Array("PERSONAL BANKING - Residential Mortgage Loans","Residential Mortgage Loans","Oxford Bank Mortgage Services, LLC, a wholly owned subsidiary of Oxford Bank, makes residential mortgage loans* for the purchase, refinance, or construction of 1-4 family residential dwellings.","We'd like you to think of us as a partner in your home purchase or refinance.","Our experienced loan consultants offer a variety of fixed and adjustable rate loans for all types of home loans.","We can help you select a program that comfortably fits your needs.","Mortgage Calculator","Learn the Basics of Credit Reports and Scoring","Home Purchases","Mortgage loans to purchase your residence, a secondary residence, or an investment rental home.","Fixed or variable rate loans available in a variety of terms up to $322,700","5 and 7 year balloon loans","Bridge Loans","No or minimal down payment loans","First Time Buyer Loans","Up to 100% financing available","Refinances","Take advantage of great rates and refinance your residence up to $322,700","10, 15, 20, or 30 year fixed or variable rate loans up to $322,700","Balloon loans","Cash out, or no cash out","Construction Loans","Contractor or self-built homes","Finance up to 100% of the construction costs","Jumbo Mortgages","Loans from $322,700 and greater","Vacant Land Loans","Non-Conforming Loans","*Restrictions and additional details on the above loan products apply.","See your Oxford Bank Mortgage Services representative for more details.","Equal Housing Lender (logo) Member F.D.I.C.","Back to top","Our Mortgage Application Process Is Easy","Pre-qualification for your home loan is quick and free.","There are several ways you can apply.","Visit any one of our convenient locations to pick up a loan application package.","Call 248-969-7222 and we'll mail or fax you an application.","Call to arrange a meeting with one of our lending agents, at our location or yours; before, during or after normal business hours.","For fast pre-qualification, print out this form and fax it to 248-969-7224, or complete the online form below and send it via the Internet.","Click here for our latest rates","Pre-Qualification Form","Print and Fax | Submit Online","To Complete The Approval Process, Please Provide The Following.","W-2 (2 years) & last 30 days pay stubs.","The name/address of your landlord/mortgage company over the past 2 years.","Purchase Agreement.","Latest 3 months bank statements for all accounts.","Open loans - names, addresses, account numbers, monthly payments, and balances.","Loan information on other real estate owned.","A check for the loan application fee.","Self-employment - your last 2 years tax returns with all schedules, and YTD income statement.","Call 248-969-7222 today to talk directly to one of our mortgage lenders or to obtain an application package.","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-MortgageLoans.cfm","16.7","15 Dec 2003");
Page[27]=new Array("PERSONAL BANKING - Online Banking","Online Banking Is Easy","As part of our ongoing commitment to meeting your financial needs, Oxford Bank offers its customers a wide variety of banking products and services, including complete online banking.","With Oxford Bank Online, you'll be able to view account balances, transfer funds between accounts, pay your bills electronically, and much more.","These services are available for all your Oxford Bank accounts - so you can conduct your banking wherever and whenever it's convenient for you.","A fee for this service may apply.","Contact us for more details.","Even though you'll be able to handle the majority of your banking transactions online, we remain committed to the one-on-one, personal relationships you are accustomed to having with our bank.","We take our Online Banking relationship very seriously, making the safety of your account information our greatest priority.","Our online banking service is protected with the latest firewall, security and encryption technology and is password-protected.","More information about Oxford Online Banking is available by calling 248-628-2533, stopping by one of our branch locations, or contacting us online.","APPLY NOW for Oxford Bank Online.","APPLY NOW for Online Bill Pay at Oxford Bank.","PC HOME BANKING REQUIREMENTS","Microsoft Internet Explorer 4 or better with 128 bit encryption or Netscape 3.0 or better, or America On Line version 3.0 or greater.","Online Banking","username:","password:","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-OnlineBanking.cfm","12.5","15 Dec 2003");
Page[28]=new Array("PERSONAL BANKING","Personal Banking Benefits","Overdraft Protection","Bounce Protection","Direct Deposit","5 Ways To Get Free Checking","Overdraft Protection","At Oxford Bank, we try to make life a little easier for our customers.","That's why we offer automatic Overdraft Protection for your Oxford Bank checking account.","This helpful feature protects you against the inconvenience of returned checks and overdraft fees.","Our Overdraft Protection service is a revolving line of credit and includes these features:","No annual fee","No monthly fees","Automatic payment from your checking account","The approval process is simple and fast.","Visit one of our branch locations or call 248-969-7222 for more information.","Or, contact us online for more details.","Bounce Protection","In addition to Overdraft Protection, Bounce Protection is an overdraft privilege requiring no action on your part.","With no paperwork to sign, Bounce Protection will be automatically assigned to your account.","Bounce Protection Limit","Personal Checking $400","NOW $1000","How It Works - As long as you maintain your account in good standing, Oxford Bank may honor overdrafts up to the Bounce Protection limit on your account.","The bank's normal non-sufficient funds (NSF) fee of $20 for each transaction will be deducted from your limit.","You will receive an overdraft notice in the mail each time overdraft items are paid.","Overdrafts beyond your established Bounce Protection limit may result in a check or checks being returned to the payee and the normal NSF fee will be charged per overdraft item.","Visit one of our branch locations or call 248-969-7222 for more information.","Or, contact us online for more details.","Direct Deposit Makes Your Life Easier","Our payroll Direct Deposit program provides you with the convenience of having your paycheck electronically deposited.","This means you do not need to visit one of our branches to deposit your paycheck, worry about mail delays or lost checks, or miss receiving your paycheck when you are out of the office.","You may choose from.","A non-interest bearing personal checking account with:","No minimum balance requirements","No monthly statement fees or per check charges","VISA Check Card with no usage fees at our ATM's, or VISA merchants","Pre-printed checks at no cost*","No Fee American Express Travelers Cheques**","No Fee Internet Banking Services","An interest bearing personal checking account (NOW) with:","$500 minimum balance required to avoid monthly statement fees and per check charge","VISA Check Card with no usage fees at our ATM's, or VISA merchants","Pre-printed checks at no cost*","No Fee American Express Travelers Cheques**","No Fee Internet Banking Services","Visit one of our branch locations or call 248-969-7222 for more information.","Or, contact us online for more details.","*Selection limited to basic design check style.","Other check styles available at listed prices.","** Selection limited to single-signature checks.","Dual signature and foreign currency Travelers' Cheques available at market rates.","5 Ways To Get Free Checking*","Direct Deposit","Savings Account or CD","Maintain $500 in savings or CD account at all times","Must have same primary person on both accounts","Must purchase your checks from Oxford Bank","Minimum Balance Requirement","Maintain $300 at all times in account","Must have same primary person on both accounts","Must purchase your checks from Oxford Bank","Loan Vision","New loan with Oxford Bank (Loan at origination must be $15,000 or more.","Free checking during term of loan only.)","Free basic style of checks","Senior Citizen","Must be 55 or older","Free basic style of checks","No fee travelers checks","*Does not apply to NOW accounts.","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-PersonalBankingBenefits.cfm","16.2","15 Dec 2003");
Page[29]=new Array("PERSONAL BANKING - Savings Accounts","Savings Accounts - Prepare For Your Future","Oxford Bank offers a traditional Daily Interest Statement Savings (D.I.S.S.) account that makes it easy to save for a new car, a vacation, home improvements - even year-end taxes.","Plus, it's a great way to be financially prepared for your future.","Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $100,000.","If you have more than $100,000 deposited in one bank, the FDIC provided EDIE (Electronic Deposit Insurance Estimator) can help you determine if you have adequate deposit insurance for your accounts.","Interest on your account is earned daily, paid and reported in your monthly statement.","You can open an account with as little as $25.00 and receive a 24-hour automatic teller machine (ATM) card which can be used at any NYCE or PLUS system location.","Savings Accounts For Minors","Starting a minor out on his or her own road to saving is a great way to save for the future, and teach young people to plan ahead.","Ask us about the details of a Minor Account specifically designed for individuals age birth to 21 years old.","Christmas Club","To prepare for the Holiday Season, Oxford Bank offers a Christmas Club savings program with weekly payment amounts from $1.00 to $40.00.","In October we will mail you a check for the money you have accumulated so you can start your Holiday shopping, or use it for a Christmas vacation.","If you wish, you may even have a specified amount deducted weekly or monthly from your checking account.","Click here for our Savings Account Rates","Visit one of our branch locations or call 248-628-2533 for more information.","Or, contact us online for more details.","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-SavingsAccounts.cfm","12.1","15 Dec 2003");
Page[30]=new Array("PERSONAL BANKING - Telephone Banking","Telephone Banking - 24-Hour Customer Service","Now you can do your banking anywhere you have access to a touch-tone phone! Using your telephone, you can now check your balance, transfer funds, and inquire as to current rates.","There are no additional charges to you for using Telephone Banking.","You will need your account number and a four-digit Personal Identification Number (PIN) to access your account.","Oxford Bank 24 Hour Telephone Banking - 248-628-5391","For Additional information visit any one of our branch offices or contact us online.","Oxford Bank - Serving Each Generation One Person at a Time","./PERSONALBANKING-TelephoneBanking.cfm","10.5","15 Dec 2003");
Page[31]=new Array("BUSINESS BANKING - Savings Accounts","Business Savings Accounts","Oxford Bank offers a traditional Daily Interest Statement Savings (D.I.S.S.) account that makes it easy to save for future capital investments, year-end taxes or other cash needs.","Interest is earned daily, paid and reported in your monthly statement.","With your account your company may apply for a VISA Check Card which may be used at any NYCE or PLUS system location","Click here for our Savings Account Rates","Contact us for more information.","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-SavingsAccounts.cfm","10.6","15 Dec 2003");
Page[32]=new Array("BUSINESS BANKING - Checking Account","Checking Account Options","To properly manage your business finances, Oxford Bank provides your company with the following flexible checking account options.","Small Business Checking Account","The Oxford Bank Small Business checking account provides smaller businesses with the convenience of having check-writing privileges with no minimum account balance, and no service charges.","See the table below for more details.","Minimum monthly balance None","Monthly statement fee None","Monthly debit items 100","Monthly credit items 50","Fee for exceeding limits $0.50 per transaction","You may reorder checking supplies by visiting your nearest branch or by contacting Deluxe Checks at 800-335-8931.","Back to top","Business Checking Account","Our regular checking account provides larger businesses with all they need to handle their checking needs.","You'll find our fees* reasonable and our commitment to servicing you outstanding.","Each check, debit or withdrawl $0.19","Each deposit or credit $0.30","Each deposit item $0.10","Monthly statement fee $7.50","*Balances on accounts receive an earnings credit which may offset all or a portion of account fees.","You may reorder checking supplies by visiting your nearest branch or by contacting Deluxe Checks at 800-335-8931.","Back to top","NOW Business Checking Account","The Oxford Bank NOW account, available for DBA's, partnerships, and sole proprietorships, keeps your business' money working for you by earning interest on the account balance.","The higher the balance, the higher rate of interest your business earns.","All NOW checking accounts are free of service charges as long as you maintain a minimum balance of $500 or greater during the statement period.","Otherwise, accounts are charged as follows:","Each check, debit, or withdrawal $0.19","Each deposit or credit $0.30","Each item deposited $0.10","Monthly statement fee $7.50","$500 minimum balance No Service Fee","You may reorder checking supplies by visiting your nearest branch or by contacting Deluxe Checks at 800-335-8931.","Back to top","NOW Account Eligibility Requirements","NOW accounts are only offered to eligible depositors, defined as:","One or more individuals or an organization operated primarily for religious, philanthropic, charitable, educational, political or other similar purposes and which is not operated for profit, and with respect to deposits of public funds by an officer, employee, or agent of the United States, any state, county, municipality, or political subdivision thereof, the District of Columbia, the Commonwealth of Puerto Rico, American Samoa, Guam, any territory or possession of the United States, or any political subdivision thereof.","An individual depositing business funds, including a sole proprietor or d/b/a, may maintain a NOW account in the individual's name or in the d/b/a/ name.","A husband or wife operating a for-profit business as individuals, not as a partnership or corporation, may maintain a NOW account.)","Back to top","Business VISA Check Card","Most business checkbooks can only do one thing - write checks.","The Oxford Bank VISA Check Card is a debit card that works like a checkbook but gives your business a faster, more convenient way to buy the products and services you need.","The VISA Check Card allows you to withdraw funds from your business checking account without writing a check! In addition, the VISA Check Card performs all the functions of an ATM card and can be used anywhere VISA is accepted.","Easily cash business checks when you're out of town","Great for unplanned supply purchases","Can be used for emergency petty cash needs","Makes record keeping simple","Keeps your address and phone number confidential.","A check card doesn't require you to disclose your personal information when you make purchases, unlike a check.","Every month in which you have a transaction, you'll receive an account statement that includes the date, location, and amount of every transaction you've made.","It's a checking-withdrawing-depositing-and-transferring-funds card all-in-one! Apply for your VISA Check Card today!","Back to top","Visit one of our branch locations or call 248-628-2533 for more information.","Or, contact us online for more details.","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-CheckingAccounts.cfm","16.7","15 Dec 2003");
Page[33]=new Array("BUSINESS BANKING - Credit Cards","Business VISA Credit Cards","Oxford Bank offers Business VISA Credit Cards to make the purchase of goods and services at millions of locations across the world convenient.","Our approval process is quick and easy, and our interest rates are very competitive.","Below are the many advantages of an Oxford Bank Business Credit Card.","VISA Card Benefits","Acceptance at ATM locations worldwide","Detailed travel & entertainment reports","On-line account access","Automatic Travel Accident Insurance","Toll-free Travel Reservation Service","Auto rental discounts & insurance","New, Verified By Visa on-line purchase protection1","And more","1 Verified by VISA protects your existing VISA card with a personal password, giving you reassurance that only you can use your VISA card online.","Stop by or call us, and we'll send you an application.","Soon you will be shopping with the convenience, security, and peace-of-mind of an Oxford Bank Business VISA Credit Card.","See our rates.","Stop by one of our branch locations or contact us today to learn more.","VISA ATM Locations","Learn the Basics of Credit Reports and Scoring","To Report a Lost/Stolen VISA card, immediately call: (800) 335-1064.","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-CreditCards.cfm","12","15 Dec 2003");
Page[34]=new Array("BUSINESS BANKING - Direct Deposit","Direct Deposit Benefits For Your Employees","Our payroll Direct Deposit program provides your employees with the convenience of having their paychecks electronically deposited.","This means your workers will not need to visit one of our branches to deposit their paychecks, worry about mail delays or lost checks, or miss their paycheck while out of the office.","Employees may choose from","A non-interest bearing personal checking account with:","No minimum balance requirements","No monthly statement fees or per check charges","VISA Check Card with no usage fees at our ATM's, or VISA merchants","Pre-printed checks at no cost*","No Fee American Express Travelers Cheques**","No Fee Internet Banking Services","An interest bearing personal checking account (NOW) with:","$500 minimum balance required to avoid monthly statement fees and per check charge","VISA Check Card with no usage fees at our ATM's, or VISA merchants","Pre-printed checks at no cost*","No Fee American Express Travelers Cheques**","No Fee Internet Banking Services","Stop by one of our branch locations or contact us today to learn more.","*Selection limited to basic design check style.","Other check styles available at listed prices.","** Selection limited to single-signature checks.","Dual signature and foreign currency travelers' cheques available at market rates.","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-DirectDeposit.cfm","11.5","15 Dec 2003");
Page[35]=new Array("BUSINESS BANKING - Business Investment Accounts","Investment Accounts For Your Business","If you're a business owner, with or without employees, you may want to think about a retirement plan or other investments for your business.","In addition to IRA's, Oxford Bank offers a variety of other investment services through it's partner Raymond James Financial Services.","Just a few of the products and resources available include:","Stocks","Bonds","Mutual Funds","Options","Insurance","Financial Research","Tax Planning","Estate Planning","Financial Planning","See a branch administrator for details or contact Raymond James Financial Services.","Raymond James Financial Services","Robert M.","Whitcomb, CFS, RFC","720 N.","Lapeer Road, Suite 201","Lake Orion, Michigan 48362","248-814-6580","rwhitcomb@rjfs.com","Raymond James Financial Services, Inc., Member NASD/SIPC, is an independent broker/dealer, and are not insured by the FDIC or any other bank insurance, are not deposits or obligations of the bank, are not guaranteed by Oxford Bank, and are subject to risks, including the possible loss of principal.","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-InvestmentAccounts.cfm","11.2","15 Dec 2003");
Page[36]=new Array("BUSINESS BANKING - Loans","Loans To Help Your Business Grow","Our experienced commercial loan officers can make the difference when you need to expand, purchase machinery & equipment or satisfy the everyday cash needs of your business.","We have financed a wide variety of commercial projects in the area and would be happy to discuss your business needs on a confidential basis.","Business Loan Calculator","Term Loans","Lines of Credit","Standby Letter of Credit","Commercial Mortgages & Construction","Non Profit","Small Business Association (SBA) Loans","Government/Municipality","For information on lending services for non-profit, government and municipalities or any other business loans stop by or call our Commercial Loan Office for more information, or contact us online.","Learn the Basics of Credit Reports and Scoring","Term Loans - can provide access to cash for long-term financing needs.","Normal Uses: Purchase of machinery & equipment, and other fixed assets.","Terms: Generally range from 3 to 5 years.","Rates: Fixed or variable.","Fee: Varies depending on loan.","Collateral: First lien on equipment & machinery, accounts receivable, or inventory.","(Other collateral may be required.)","Support: Personal guarantees are generally required.","Stop by or call our Commercial Loan Office for more information, or contact us online.","Back to top","Lines of Credit - can provide access to cash for a variety of short-term and ongoing financing needs.","Normal Uses: Support working capital requirements.","Terms: Generally renewable annually.","Rates: Floating.","Fee: Varies depending on loan.","Collateral: Generally first liens on all short-term assets, which may include accounts receivable and inventory.","Other collateral may be required.","Support: Personal guarantees are generally required.","Stop by or call our Commercial Loan Office for more information, or contact us online.","Back to top","Standby Letter of Credit - A Standby Letter of Credit can be just the tool needed to help a business finalize an important project.","Normal Uses: Support bonding and project completion.","Terms: Established on a 12-month basis and are renewable on an annual basis.","Rates: Floating.","Fee: 1-2% with a minimum fee of $500.","Collateral: Typically cash secured.","Support: Personal guarantees are generally required.","Stop by or call our Commercial Loan Office for more information, or contact us online.","Back to top","Commercial Mortgages and Construction Loans - An Oxford Bank Commercial Mortgage and Construction Loan can provide you with the financing you need to buy, build or refinance commercial and industrial real estate.","Normal Uses: Purchase or refinance commercial real estate, including vacant land; construct or renovate a commercial building.","Terms: Generally range from 3 to 5 years and may have amortizations up to 20 years.","Rates: Fixed or variable.","Fee: Vary depending on loan amount and cost.","Collateral: A first lien on real estate being purchased or facility being built or renovated.","Additional collateral may be required.","Support: Personal guarantees are generally required.","Stop by or call our Commercial Loan Office for more information, or contact us online.","Back to top","Non-profits, Government Agencies, School Districts, Municipalities, Associations - Oxford Bank supports its communities by offering various financing options to assist the above entities with their financing needs.","We can finance lines of credit for school districts, term loans for school buses, fire trucks, real estate, police squad cars, tax assessment projects, projects for condo associations, and many other types of undertakings.","We can also structure financing under tax-exempt statutes, including Act 99, when applicable.","Stop by or call our Commercial Loan Office for more information, or contact us online.","Back to top","SBA Lending - Oxford Bank is a qualified Small Business Administration (SBA) lender.","SBA loans are typically used for financing that doesn't meet conventional loan criteria.","Oxford Bank participates in the following SBA programs:","SBA 7 (A) Guaranteed Loan","Normal Uses: Support working capital, and/or purchase machinery & equipment, and real estate.","Terms: Range 3 to 25 years.","Rates: Will vary (rates are restricted by the SBA).","Fee: Will include bank packaging fee, SBA fee, and loan closing costs.","Collateral: A lien on assets being purchased and may include personal collateral including a mortgage on personal residence.","Support: Personal guarantees are generally required.","Stop by or call our Commercial Loan Office for more information, or contact us online.","Back to top","SBA Low Doc (For Loans up to $150,000)","Normal Uses: Support working capital, and/or purchase machinery & equipment.","Terms: Range 3 to 7 years.","Rates: Will vary (rates are restricted by the SBA).","Fee: Will include bank packaging fee, SBA fees, and loan closing costs.","Collateral: A lien on assets being purchased and may include personal collateral including a mortgage on personal residence.","Support: Personal guarantees are generally required.","Stop by or call our Commercial Loan Office for more information, or contact us online.","Back to top","SBA 504 (For Projects over $125,000)","Normal Uses: Purchase machinery & equipment and/or real estate.","Terms: SBA: Up to 10 years on equipment, and 20 years on real estate.","Oxford Bank: Up to 5 years on equipment, and 20 years on real estate.","Rates: Will be set by Oxford Bank and the SBA.","Fee: Bank loan commitment fee, SBA fee, and closing costs.","Collateral: A lien on assets being purchased and may include personal collateral including a mortgage on personal residence.","Support: Personal guarantees are generally required.","Stop by or call our Commercial Loan Office for more information, or contact us online.","Back to top","Commercial Loan Office","720 North Lapeer Road, Suite #201","Lake Orion, MI 48362","248-693-7473 phone","248-693-7825 fax","map","Business Banking Resources","Learn the Basics of Credit Reports and Scoring","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-Loans.cfm","27.6","15 Dec 2003");
Page[37]=new Array("BUSINESS BANKING - Merchant Card Processing","More Ways For Your Customers To Pay","Give your customers more choices by accepting credit cards, debit cards, purchasing cards and checks.","Oxford Bank Merchant Services provide you with the following helpful services:","Low discount rate","No application fee for current Oxford Bank customers (A fee applies otherwise)","No monthly minimums","24/7 Help Desk","Dial in pay service available","Account questions handled directly by Oxford Bank, not a third party processor","Hardware and software to fit any budget","All major credit card brands accepted","Emergency replacement of equipment","Stop by one of our branch locations or contact us today to learn more.","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-MerchantCardProcessing.cfm","10.7","15 Dec 2003");
Page[38]=new Array("BUSINESS BANKING - Non-Profit, Government, Municipality","Account Options For Organizations","Providing accounts and banking services to non-profit, service groups, governments, and municipalities is an important part of Oxford Bank's mission to serve our communities.","Visit one of our convenient branch offices and we'll help you open an account for your church group, sports team, Boy Scout troop or other service organization.","Remember to bring proper identification from all authorized signers and your organization's Employer Tax Identification Number (EIN).","We'll help you with the rest of the necessary documentation.","We also provide loans to Non-profit, Government, and Municipal organizations.","Stop by one of our branch locations or contact us today to learn more.","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-NonProfit.cfm","10.7","15 Dec 2003");
Page[39]=new Array("BUSINESS BANKING - Online Business Banking","Business Banking Online","As part of our ongoing commitment to meeting your business banking needs, Oxford Bank offers its customers a wide variety of banking products and services, including online banking! With Oxford Bank Online, you'll be able to view account balances, transfer funds between deposit accounts, and much more.","These services are available for all your Oxford Bank accounts, at a nominal fee - so you can conduct your banking wherever and whenever it's convenient for you.","Even though you'll be able to handle the majority of your banking transactions online, we remain committed to the one-on-one, personal relationships you are accustomed to having with our bank.","We take our Online Banking relationship very seriously; ensuring the safety of your account information is our greatest priority.","Our online banking service is protected with the latest firewall, security and encryption technology and is password-protected.","More information about Oxford Online Banking is available by calling 248-628-2533, stopping by one of our branch locations, or contacting us online Contact us for more details.","APPLY NOW for Oxford Bank Online.","PC BANKING REQUIREMENTS","Microsoft Internet Explorer 4 or better with 128 bit encryption or Netscape 3.0 or better, or America On Line version 3.0 or greater.","Online Banking","username:","password:","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-OnlineBusinessBanking.cfm","12.2","15 Dec 2003");
Page[40]=new Array("BUSINESS BANKING - Resources","Business Banking Resources","Below are a number of resources to help you with your business banking needs.","Eastern Michigan Better Business Bureau www.easternmichiganbbb.org","Federal Deposit Insurance Corporation www.fdic.org","Lapeer County www.lapeer.org","Michigan Certified Development Corporation www.michigancdc.org","Michigan Economic Development Corporation www.medc.michigan.org","Michigan Small Business & Technology Development Center www.misbtdc.org","Michigan Works www.michiganworks.org","Oakland County Michigan www.co.oakland.mi.us","Small Business Association www.sba.gov","State of Michigan www.michigan.gov","Yahoo Small Business Directory http://dir.yahoo.com/business/","Commercial Loan Office","720 North Lapeer Road, Suite #201","Lake Orion, MI 48362","248-693-7473 phone","248-693-7825 fax","map","Oxford Bank - Serving Each Generation One Person at a Time","./BUSINESSBANKING-Resources.cfm","12","15 Dec 2003");
Page[41]=new Array("ABOUT US - Shareholder Services","Oxford Bank Stock Performance","Check out the performance of Oxford Bank stock (OXBC) by visiting PCQuote.com.","Oxford Bank Dividend Policy","Oxford Bank common stock dividends are normally declared and paid quarterly to provide shareholders with a current return on their investment.","Oxford Bank Transfer Agent and Registrar","Nicholas W.","Hevron","Vice President, CFO & Cashier","Oxford Bank","P.O.","Box 17","Oxford, MI 48371-0017","248-572-2000","Market Maker","-- NEED INPUT --","Learn More About The Financial Markets","Visit PCQuote.com for the latest financial market data.","For assistance planning for your future see Investments Accounts.","Oxford Bank - Serving Each Generation One Person at a Time","./ABOUTUS-shareholderservices.cfm","10.8","15 Dec 2003");
Page[42]=new Array("ABOUT US - Annual Report","2002 Oxford Bank Annual Report","-- Need Input --","Oxford Bank - Serving Each Generation One Person at a Time","./ABOUTUS-annualreport.cfm","9.7","15 Dec 2003");
Page[43]=new Array("ABOUT US - Employment","Employment Opportunities To Grow With Us","Oxford Bank believes that our success begins with the people we employ and the community we serve.","We look for dedicated, professional team members with a strong desire to serve our communities.","At Oxford Bank you will find exciting job opportunities in all areas of the financial services industry.","Positions in departments such as: commercial lending, consumer and retail banking, mortgage lending, information systems, data processing, accounting, bookkeeping, marketing, and human resources.","Oxford Bank is proud of our reputation and of our employees.","Our high level of customer loyalty and employee satisfaction, as well as our longevity as the oldest independent community bank in Oakland County, clearly communicates our growth, dedication and focus.","We offer our employees a comprehensive benefits package, profit sharing, 401 (k) with match, training opportunities, educational assistance and more.","To better appreciate the opportunity of working with Oxford Bank, we invite you to review our career opportunities and Benefit Package.","Available Positions","Teller ** Need Input and Server Access **","More information about Oxford Employment Opportunities is available by calling 248-628-2533, stopping by one of our branch locations, or contacting us online.","Click here for an employment application.","Equal Employment Opportunity Policy","Oxford Bank is an Equal Opportunity Employer.","We are committed to the policy of equal employment opportunity in our personnel and employment practice and in providing a harassment-free work environment.","Oxford Bank recruits, hires, trains, and promotes into all job levels the most qualified persons without regard to age, race, color, religion, sex, national origin, age, physical or mental disability, marital status, height, weight, veteran status, genetic information or any other basis protected by applicable Federal and State law.","Benefit Package","In recognition of the contributions of our employees, Oxford Bank offers a competitive benefit package that assists our employees in maintaining their health and well-being.","We offer the following benefits:","Health Insurance: Oxford Bank offers 5 medical plans through Blue Cross and Blue Shield.","We offer one Traditional Plan and 4 Community Blue Preferred Provider Plans.","The plans offer pharmaceutical cards with co-pays ranging from $5.00 to $30.00.","Depending upon the plan elected, employees contribute either 20% or 25% toward the premium cost.","Medical benefits are available for employees who maintain a full-time employment status and work a minimum of 36 hours per week.","Dental Insurance: Dental coverage is offered through Delta Dental Group.","Employees contribute 20% toward the premium cost.","Dental benefits are available for full-time employees.","Vision Insurance: Benefits are provided through Eye-Med Premier Plus.","Eye-Med coordinates with a wide network of providers.","These benefits are available to full-time employees.","Life Insurance: Oxford Bank provides group life and dependent life insurances for full-time employees at no cost.","Employee life insurance coverage is two times base salary, spousal coverage is $5000 and dependent coverage is $2500.","Employees also have the opportunity to purchase supplemental life insurance.","Long Term Disability: Oxford Bank provides Long Term Disability insurance at no cost to full-time employees.","Under the LTD plan, employees receive 66-2/3% of their base monthly earnings to a maximum of $5000 per month.","Cafeteria Flexible Benefit Plans: Employees can elect to save money by paying eligible expenses on a pre-tax basis.","A Health Care Spending account can be used to pay certain health care expenses, or a Dependent Care Spending account can be used to pay for eligible dependent care expenses.","401(k) Retirement Plan: Our 401(k) plan offers 13 investment options.","We will match each dollar that an employee contributes up to 4% of your compensation.","Oxford Bank's 401(k) Plan is available to both full-time and part-time employees of the Bank.","Profit Sharing: Oxford Bank offers a discretionary profit sharing plan to all employees in recognition of the personal participation of our employees in the growth and financial success of our organization.","Tuition Reimbursement: We support our employees in their development and growth within their careers at the Bank.","Our tuition reimbursement program provides employees with financial assistance to continue their education in a bank-related study.","Full-time employees are eligible for $2000 reimbursement per calendar year, up to and including graduate level courses.","A full-time employee can be reimbursed up to 70% of the approved curriculum.","Both full-time and part-time employees are encouraged to attend courses through bank member organizations such as the Michigan Bankers Association and Center for Progressive Learning with 100% advance payment made by Oxford Bank.","Vacation: A generous vacation policy provides employees with paid time off from work.","Oxford Bank recognizes and rewards continuous years of service by increasing employee vacation time in accordance with Oxford Bank policy.","Sick Days: Our full-time employees are eligible for up to ten sick days a year to allow time away from work for the illness of the employee or their minor children.","Personal Business Days: We recognize that personal emergencies do occur.","We provide our full-time employees with the benefit of six paid personal days each year.","Bereavement: Full-time employees receive four paid days off to attend to the death of an immediate family member.","Holidays: Oxford Bank recognizes and compensates all full-time employees for six holidays per calendar year.","Recognized holidays include: New Years Day, Memorial Day, 4th of July, Labor Day, Thanksgiving Day, and Christmas Day.","Oxford Bank - Serving Each Generation One Person at a Time","./ABOUTUS-employment.cfm","16.7","15 Dec 2003");
Page[44]=new Array("ABOUT US - History","A Tradition Of Community Values","Oxford Bank was founded over 119 years ago as an institution rich in the values of 19th century America.","Personal involvement and investment in our community were foremost among these.","Life today is far more complex, but the values we held then still apply as we now face the challenges that the 21st century presents.","Our ambition at Oxford Bank is to provide our customers a complete array of modern financial services, yet keep the same concern for our community that was the hallmark of a much simpler time.","Today, Oxford Bank combines traditional banking with state of the art technology, products, and services.","We continuously seek new ways to fulfill the needs of new businesses while adhering to the sound banking principles on which we were founded.","Our employees, officers, directors and their families actively participate in the communities we serve.","We know our customers' needs because they are our neighbors.","Oxford Bank plays a role in the prosperity of our neighborhoods and businesses.","Our communities grow alongside us as together we strive to meet the challenges of tomorrow, and our neighbors come to realize their dream.","Our founders could not have imagined that banking would be as it is today.","But they gave our bank a sense of partnership with the communities we serve...a solid 19th century foundation upon which we will continue to build throughout the 21st century.","Oxford Bank - Serving Each Generation One Person at a Time","./ABOUTUS-history.cfm","11.1","15 Dec 2003");
Page[45]=new Array("ABOUT US - Press Releases","Oxford Bank In The News","July 31, 2003 OXFORD BANK CORPORATION ANNOUNCES THIRD QUARTER DIVIDEND INCREASE","Oxford Bank Corporation (OTC Bulletin Board: OXBC), the holding company for Oxford Bank, announced today a third-quarter cash dividend of $0.26 per common share.","July 18, 2003 OXFORD BANK CORPORATION ANNOUNCES SECOND QUARTER EARNINGS FOR 2003","May 5, 2003 OXFORD BANK CORPORATION ANNOUNCES SECOND QUARTER DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, announced today a second-quarter cash dividend of $0.25 per common share.","April 25, 2003 OXFORD BANK EMPLOYEES TO DONATE $1,000 EACH TO TWO CHARITIES","Make-A-Wish Foundation of Michigan & the Jeremy Curtis Cancer Fund To Receive 2002 Dress Down Donations","April 18, 2003 OXFORD BANK CORPORATION ANNOUNCES FIRST QUARTER EARNINGS FOR 2003","Oxford Bank Corporation (OTC Bulletin Board: OXBC), the holding company for Oxford Bank, announced today that its net income for the first quarter ending March 31, 2003, was $1,179,000, or $0.92 per common share.","March 7, 2003 OXFORD BANK TO SPONSOR TWO FREE PUBLIC SEMINARS IN MARCH","Oxford Bank, a subsidiary of Oxford Bank Corporation, announced today that it is sponsoring two free public seminars.","Titled How To Finance Your Self-Built Home...","February 27, 2003 OXFORD BANK CORPORATION TO OPEN Commercial Loan Office IN ORION TOWNSHIP","Oxford Bank Corporation, the holding company for Oxford Bank, announced today their intention to open a new Commercial Loan Office in Orion Township.","The 5,000 square feet of retail office space will house the Bank's entire commercial lending operation,","Janaury 29, 2003 OXFORD BANK CORPORATION ANNOUNCES FIRST QUARTER DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, announced today a first-quarter cash dividend of $0.25 per common share.","Janaury 22, 2003 OXFORD BANK CORPORATION ANNOUNCES 20TH CONSECUTIVE YEAR OF RECORD EARNINGS IN 2002","Oxford Bank Corporation, the holding company for Oxford Bank, announced today record 2002 earnings of $4,828,000 or $3.77 per common share.","January 17, 2003 OXFORD BANK CORPORATION ANNOUNCES SEVEN OFFICER APPOINTMENTS","December 3, 2002 OXFORD BANK ANNOUNCES HOLIDAY HOURS","October 31, 2002 OXFORD BANK CORPORATION DECLARES DECEMBER DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, announced today a fourth-quarter cash dividend of $0.23 per common share.","October 18, 2002 OXFORD BANK CORPORATION ANNOUNCES THIRD QUARTER EARNINGS FOR 2002","Oxford Bank Corporation, the holding company for Oxford Bank, today announced record earnings for the third quarter of 2002.","During the first nine months of the year, net income was $3,583,000 or $2.80 per share.","August 1, 2002 OXFORD BANK CORPORATION ANNOUNCES THIRD QUARTER DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, announced today a third-quarter cash dividend of $0.23 per common share.","July 19, 2002 OXFORD BANK CORPORATION ANNOUNCES SECOND QUARTER EARNINGS FOR 2002","Oxford Bank Corporation, the holding company for Oxford Bank, today announced record earnings for the first half and second quarter of 2002.","May 3, 2002 OXFORD BANK CORPORATION ANNOUNCES FORMATION OF MORTGAGE SUBSIDIARY","Oxford Bank Corporation, the holding company for Oxford Bank, announced today the formation of a mortgage-banking subsidiary; Oxford Bank Mortgage Services, L.L.C.","The new mortgage company officially opened for business on April 16, 2002 and offers a wide array of residential mortgage and construction loan products.","May 3, 2002 OXFORD BANK CORPORATION ANNOUNCES SECOND QUARTER DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, announced today a second-quarter cash dividend of $0.23 per common share.","April 26, 2002 MICHAEL H.","JABOUR JOINS OXFORD BANK AS VICE PRESIDENT AND CONSUMER LOAN MANAGER","April 22, 2002 OXFORD BANK CORPORATION ANNOUNCES FIRST QUARTER EARNINGS","Oxford Bank Corporation, the holding company for Oxford Bank, announced today that its net income for the first quarter ending March 31, 2002, was $1,112,000, or $0.87 per common share.","February 25, 2002 OXFORD BANK TO SPONSOR FREE PUBLIC SEMINAR","How To Finance Your Self-Built Home","February 8, 2002 OXFORD BANK CORPORATION ANNOUNCES FIRST QUARTER DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, announced today a first-quarter cash dividend of $0.23 per common share.","February 1, 2002 OXFORD BANK ANNOUNCES RETIREMENT OF SENIOR OFFICER","Randall G.","Fox, president and chief executive officer of Oxford Bank, a subsidiary of Oxford Bank Corporation, announced today the retirement of Janet B.","Kargetta, vice president and consumer loan officer.","The retirement is to be effective February 14, 2002.","January 25, 2002 OXFORD BANK CORPORATION ANNOUNCES RECORD 2001 EARNINGS","Oxford Bank Corporation, the holding company for Oxford Bank, announced today record 2001 earnings of $4,358,000 or $3.40 per common share.","These earnings were 7.71 percent more than the income of $4,046,000 or $3.16 per share reported for 2000.","December 28, 2001 OXFORD BANK CORPORATION ANNOUNCES OFFICER PROMOTIONS","December 7, 2001 OXFORD BANK ANNOUNCES HOLIDAY HOURS","November 21, 2001 OXFORD BANK TO GIVE AWAY $150.00 FOR HOLIDAY SEASON","November 14, 2001 OXFORD BANK CORPORATION DECLARES DECEMBER DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, has announced a fourth-quarter cash dividend of $0.21 per common share.","October 19, 2001 OXFORD BANK CORPORATION ANNOUNCES THIRD QUARTER","Oxford Bank Corporation, the holding company for Oxford Bank, today announced record earnings for the third quarter of 2001.","During the first nine months of the year, net income was $3,176,000 or $2.48 per share.","This is 8.99 percent more than earnings during the same period last year when net income was $2,914,000 or $2.28 per share.","August 24, 2001 ADDISON-OAKS BRANCH CELEBRATES 25th ANNIVERSARY","Oxford Bank, a subsidiary of Oxford Bank Corporation, announced today that on Tuesday, September 4 their Addison-Oaks location will begin a month-long celebration of it's 25-year anniversary.","The bank's branch is located on 35 Rochester Road (at 32 Mile Road) in Oakland Township.","August 10, 2001 OXFORD BANK CORPORATION DECLARES SEPTEMBER DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, has announced a second-quarter cash dividend of $0.21 per common share.","July 20, 2001 OXFORD BANK CORPORATION ANNOUNCES SECOND QUARTER EARNINGS FOR 2001","Oxford Bank Corporation, the holding company for Oxford Bank, today announced record earnings for the first half and second quarter of 2001.","May 14, 2001 OXFORD BANK CORPORATION DECLARES JUNE DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, has announced a second-quarter cash dividend of $0.21 per common share.","April 20, 2001 OXFORD BANK CORPORATION ANNOUNCES FIRST QUARTER EARNINGS","Oxford Bank Corporation, the holding company for Oxford Bank, announced today that its net income for the first quarter ending March 31, 2001, was $969,000, or $0.76 per common share.","March 2, 2001 TODD A.","GRAHAM JOINS OXFORD BANK AS SENIOR VICE PRESIDENT AND SENIOR LOAN OFFICER","The board of directors of Oxford Bank announced today the appointment of Todd A.","Graham as senior vice president and senior loan officer of the bank.","Mr.","Graham's responsibilities will include the supervision of the bank's entire loan operation.","February 23, 2001 OXFORD BANK CORPORATION ANNOUNCES OFFICER PROMOTIONS","The board of directors of Oxford Bank Corporation, the holding company for Oxford Bank, announced today the appointments of Eric J.","Dyson to vice president and secondary market manager and Linda Moskal to bank officer and Ortonville branch manager of the bank.","February 16, 2001 OXFORD BANK CORPORATION ANNOUNCES FIRST QUARTER DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, announced today a first-quarter cash dividend of $0.21 per common share.","The dividend will be paid to shareholders of record at the end of business on March 2, 2001.","Shareholders will receive their dividend on March 16, 2001.","January 26, 2001 OXFORD BANK CORPORATION ANNOUNCES RECORD 2000 EARNINGS","Oxford Bank Corporation, the holding company for Oxford Bank, announced today record 2000 earnings of $4,046,000 or $3.16 per common share.","These earnings were 7.84% percent more than the income of $3,752,000 or $2.93 per share reported for 1999.","December 8, 2000 OXFORD BANK ANNOUNCES HOLIDAY HOURS","Oxford Bank, a subsidiary of Oxford Bank Corporation, today announced their customer banking hours for the 2000 Holiday Season.","November 10, 2000 OXFORD BANK CORPORATION ANNOUNCES QUARTERLY DIVIDEND","Oxford Bank Corporation, the holding company for Oxford Bank, announced today a fourth-quarter cash dividend of $.19 per common share.","October 26, 2000 COMMUNITY HELPS RAISE OVER $14,000 FOR LOCAL CANCER PATIENT","Oxford Bank Wishes To Thank All Those Who Helped Make Sara Schuneman Benefit Dinner A Success","October 20, 2000 OXFORD BANK CORPORATION ANNOUNCES THIRD QUARTER EARNINGS","Oxford Bank Corporation, the holding company for Oxford Bank, today announced earnings for the third quarter of 2000.","During the first nine months of the year, net income was $2,914,000 or $2.28 per share.","October 2, 2000 SARA SCHUNEMAN BENEFIT DINNER SCHEDULED FOR OCTOBER 11","Benefit To Be Held At The Wagon Wheel Tavern In Downtown Lake Orion","September 29, 2000 ORTONVILLE BRANCH CELEBRATES 10-YEAR ANNIVERSARY","Week Long Celebration To Begin On October 9","September 15, 2000 OXFORD BANK ANNOUNCES RETIREMENT OF SENIOR OFFICER","Randall G.","Fox, president and chief executive officer of Oxford Bank, a subsidiary of Oxford Bank Corporation, announced today the retirement of Frederick L.","Stoneback, senior vice president and senior loan officer.","The retirement is to be effective January 2, 2000.","September 1, 2000 OXFORD BANK EMPLOYEES TO DONATE OVER $1,000","HAVEN And OPC MEALS ON WHEELS To Benefit From 1999 Dress Down Donations","August 11, 2000 OXFORD BANK COPORATION ANNOUNCES QUARTERLY DIVIDEND","OXBC Stock Ranked 12th In Performance By Crain's Detroit Business","August 4, 2000 OXFORD BANK CORPORATION PURCHASES THREE-ACRE SITE FOR NEW HEADQUARTERS BUILDING","Oxford Bank Corporation, the holding company for Oxford Bank, has agreed to purchase a three-acre site at the corner of M-24 (Lapeer Road) and Market Street in Oxford Township.","The property is located within the Waterstone Development.","Oxford Bank - Serving Each Generation One Person at a Time","./ABOUTUS-pressreleases.cfm","23.1","15 Dec 2003");
Page[46]=new Array("Consolidated Statement Of Condition - June 30, 2003","( 000's omitted, except per share data)","ASSETS 2003 2002","Cash and due from banks $25,343 $22,999","Interest-bearing deposits with banks 149 0","U.S.","Treasury securities 0 1,028","U.S.","Government agency securities 79,257 59,994","State and municipal securities 45,052 37,631","Other securities 8,157 11,450","Federal Funds sold 25,170 30,590","Loans and discounts, net 266,538 247,824","Bank premises and equipment, net 7,091 7,104","Other assets 4,428 4,616","TOTAL ASSETS $461,185 $423,235","LIABILITIES","Demand Deposits $66,289 $62,383","Savings and time deposits 343,188 314,918","TOTAL DEPOSITS $409,477 $377,301","TT&amp;L and Federal Funds Purchased 6,563 6,073","Other liabilities 3,790 2,894","TOTAL LIABILITIES $419,830 $386,267","SHAREHOLDERS' EQUITY","Common stock, 3,200,000 shares authorized and 1,280,000 shares issued and outstanding $18,000 $16,000","Surplus 2,000 2,000","Undivided profits 19,419 17,754","Net unrealized holding gains (losses) 1,936 1,214","TOTAL SHAREHOLDERS' EQUITY $41,355 $36,968","TOTAL LIABILITIES &amp; SHAREHOLDERS' EQUITY $461,185 $423,235","Book vaue per share (adjusted for 1,280,000 shares) $32,31 $28.88","Comparative Income Statement - June 30, 2003","( 000's omitted, except per share data)","Year To Date Quarterly Only","INTEREST INCOME 2003 2002 2003 2002","Interest &amp; Fees On Loans Actual Actual Actual Actual","Commercial Loans $3,201 $2,989 $1,615 $1,514","Commercial Paper 0 0 0 0","Installment Loans 1,803 1,525 904 790","Mortgage Loans 3,507 3,959 1,672 1,954","Open End Loans 638 645 322 326","Late Charges & Fees 165 173 81 71","TOTAL 9,315 9,291 4,594 4,655","Interest &amp; Fees On Loans","Fed Funds Sold 201 297 99 109","Time Balances 0 1 0 1","U.S.","Treasury Securities 16 32 0 16","U.S.","Agency Securities 1,329 1,322 656 691","Tax Exempt Securities 428 397 217 209","Other Securities 589 840 302 416","TOTAL 2,564 2,889 1,275 1,452","TOTAL INTEREST INCOME 11,879 12,180 5,869 6,107","INTEREST EXPENSE","interest on Deposits $4,193 $4,604 $2,033 $2,263","Interest on Borrowed Funds 115 118 58 60","TOTAL INTEREST EXPENSE 4,308 4,722 2,091 2,322","NET INTEREST INCOME 7,571 7,458 3,778 3,785","Provision for Loan Losses 525 500 250 150","NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 7,046 6,958 3,528 3,635","Service Charge Income 579 483 350 254","Other Operating Income 1,944 948 940 462","NET INTEREST & OTHER INCOME 9,568 8,389 4,818 4,350","OTHER OPERATING EXPENSES","Salaries & Employee Benefits $3,290 $2,952 $1,647 $1,447","Occupancy Expense 493 398 248 191","Equipment Expense 234 287 98 149","Other Operating Expense 2,062 1,634 1,116 803","TOTAL OPERATING EXPENSE 6,079 5,271 3,109 2,590","INCOME BEFORE INCOME TAXES 3,489 3,118 1,709 1,760","Federal Income Tax 1,113 975 511 521","NET INCOME FROM OPERATIONS 2,376 2,142 1,198 1,238","Securities Gains (Losses) 0 208 0 0","NET INCOME $2,376 $2,350 $1,198 $1,238","NET INCOME PER SHARE - 1,280,000 SHARES OUTSTANDING $1.86 $1.84 $0.94 $0.97","Oxford Bank - Serving Each Generation One Person at a Time","./ABOUTUS-quarterlyreports.cfm","54.5","15 Dec 2003");
Page[47]=new Array("RESOURCES - Loan Calculators","Use These Handy Calculators To Determine Your Monthly Payments","Business Loan Calculator - need input","Personal Loan Calculator - need input","Oxford Bank - Serving Each Generation One Person at a Time","./RESOURCES-loancalculators.cfm","9.8","15 Dec 2003");
Page[48]=new Array("RESOURCES - Credit Counseling Services","HUD-Approved Credit Counseling Agencies","The U.S.","Department of Housing and Urban Development funds housing counseling agencies throughout the country that can give you advice on buying a home, renting, defaults, foreclosures, credit issues and reverse mortgages.","Just contact the agency nearest to you from the list below, call (800) 569-4287, or visit the HUD Credit Counseling Agencies web page.","GENESSEE COUNTY METRO HOUSING PARTNERSHIP, INCORPORATED","503 S Saginaw St, Suite 519","Flint, MI 48502","Phone: 810-767-4622","MACOMB COUNTY MICHIGAN STATE UNIVERSITY EXTENSION SERVICES","Verrkuilen Bldg","Clinton Twp, MI 48036","Phone: 586-469-5180","OAKLAND COUNTY OAKLAND COUNTY HOUSING COUNSELING","1200 N Telegraph Rd/Bldg.","34E, Rm 112","Pontiac, MI 48341-0435","Phone: 248-858-5402","GREENPATH DEBT SOLUTIONS","24725 W 12 Mile Rd Ste 240","Southfield, MI 48034-1801","Phone: 248-352-5344","WAYNE COUNTY GREENPATH DEBT SOLUTIONS","7445 Allen Rd Rm.","260","Allen Park, MI 48101-1963","Phone: 800-547-5005","Toll-Free: 800-547-5005","Oxford Bank - Serving Each Generation One Person at a Time","./RESOURCES-creditcounseling.cfm","11","15 Dec 2003");
Page[49]=new Array("RESOURCES - Credit Report Basics","Learn The Basics of Credit Reports & Scoring","A consumer credit report is a factual record of an individual's credit payment history.","It is provided for a purpose permitted by law, primarily to credit grantors.","Its main purpose is to help a lender quickly and objectively decide whether to grant you credit.","Examples of credit include car loans, credit cards and home mortgages.","A typical credit report includes: Your name, current and previous addresses, phone number, Social Security number variations, date of birth and current and previous employers.","Your spouse's name may appear on your version of the credit report but it will not appear on the version that is provided to others.","This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.","Specific information about each account such as the date opened, credit limit or loan amount, balance, monthly payment and payment pattern during the past several years.","This information comes from companies that do business with you.","The names of those who have obtained a copy of your credit report.","This information comes from the credit reporting agency.","Statements of dispute, which allow both consumers and creditors to report the factual history of an account.","Statements of dispute can only be added after a consumer officially disputes the status of an account, the account has been investigated, and the consumer and creditor cannot agree about the account status.","Both the consumer's and creditor's statements of the account status will appear on the credit report.","Credit reports do not contain, nor collect, data about race, religious preference, personal lifestyle, political preference, medical history, friends, criminal record or any other information unrelated to credit.","A credit score is a number lenders use to help them decide: &quot;If I give this person a loan or credit card, how likely is it I will get paid back on time?&quot; It is generated through statistical models using elements from your credit report; however, your score is not physically stored as part of your credit history on the credit file.","Rather, it is typically generated at the time a lender requests your credit report, and is then included as part of the report.","Your credit score is a fluid number, and it changes as the elements in your credit report change.","For example, payment updates or a new account could cause your score to fluctuate.","There are many different credit scores used in the financial service industry.","Your score may be different from lender to lender (or from car loan to mortgage loan), depending on the type of credit scoring model that was used.","You may wish to contact one of these major credit bureaus to request a copy of your credit report and learn more about Credit Reporting and Scoring.","Equifax 1.800.525.6285","Experian 1.888.397.3742","Trans Union 1.800.680.7289","Oxford Bank - Serving Each Generation One Person at a Time","./RESOURCES-creditreport.cfm","12.8","15 Dec 2003");
Page[50]=new Array("RESOURCES - Frequently Asked Questions","MISC.","QUESTIONS","AUTOMATED TELEPHONE BANKING","Oxford BANK VISA CHECK/ ATM CARD","CHECKING","CREDIT CARDS","HOME EQUITY LOANS","LOANS","MORTGAGE","OVERDRAFT PROTECTION","SAVINGS & MONEY MARKET (MMDA)","Q:	What types of accounts do you offer?","A:	We offer a wide variety of competitive checking, savings, money market, certificates of deposit (CDs) and individual retirement accounts.","Q:	What is a 1099 form and when can I expect to receive it?","A:	A 1099-Int form is used by financial institutions to notify customers the amount of earned interest reported to the Federal government.","If the amount of interest earned by a customer is less than $10, a 1099-Int form is not required.","Banks are required to mail their 1099-Int forms to their customers by January 31st for interest paid in the prior year.","Q:	When do I receive a statement on my account?","A:	Monthly statements are mailed to customers with checking, savings and/or money market accounts.","Statements on IRA's are sent annually at year-end.","Customers with certificates of deposits are not sent statements, though they do receive a notice when interest has been paid on their account or prior to the account maturing.","Customers with multiple accounts at Oxford Bank may be eligible to receive a combined statement.","This offers you the convenience of getting all your account information at one time.","Q:	How do I notify the Bank of a change of address?","A:	You may contact your nearest branch.","Q:	What should I do if my checkbook, deposit/withdrawal slips, ATM/VISA Check Card or statement are lost or stolen?","A:	You should notify us IMMEDIATELY by contacting your nearest branch, or call 800-335-1064.","Q:	How can I get a copy of a check (deposited item or statement) on my account?","A:	You may request a copy of a check (deposited item or statement) by contacting your nearest branch.","Q:	How can I order more checks (withdrawal or deposit slips) for my account?","A:	You may reorder supplies by contacting your nearest branch or by contacting Deluxe Checks at 800-335-8931.","AUTOMATED TELEPHONE BANKING &lt;top&gt;","Q:	How can I reach a Representative?","A:	Our Telephone Banking and Internet Banking Representatives can be reached by contacting any one of our branches for assistance or contacting us online.","Q:	When can I reach a Representative?","A:	See Banking Hours for branch location hours.","Q:	What Telephone Banking services do you provide?","A:	Our customers can transfer money between accounts, get balance and transaction information, obtain rate and product information, and get loan payment information.","For more information, visit our Telephone Banking page, stop in one of our branch locations or contact us online.","Oxford BANK VISA CHECK/ ATM CARD &lt;top&gt;","Q:	How does a VISA Check Card differ from a credit card?","A:	A VISA Check Card withdraws money directly from your checking account with no annual fees or finance charges, whereas a credit card is a loan against a pre-determined line of credit.","Q:	How does a VISA Check Card differ from an ATM card?","A:	An ATM card can be used to withdraw money from an ATM or purchase items at a merchant with a PIN pad, whereas a VISA Check Card can be used exactly like an ATM card, but can also be used anywhere credit cards are accepted.","In addition, the daily purchase limits are higher with a VISA Check Card (debit card).","Q:	What are the benefits of using a VISA Check Card?","A:	VISA Check Cards are accepted anywhere credit cards are accepted, including online or placing orders over the phone.","There is no need to carry a checkbook or wait for check approval.","It is possible to receive cash back at a merchant with a PIN pad.","All of your withdrawals and purchases will show up in detail on your bank statement.","Q:	What does it cost to have a VISA Check Card?","A:	VISA Check Cards (debit cards) are issued to customers free of charge.","While you may incur some fees for using your card at non-Oxford Bank locations, you will not be charged a fee if you use your card at an Oxford Bank ATM location or you use it to purchase goods or services at a merchant location that accepts the card.","Q:	Can anyone with an ATM card upgrade to a VISA Check Card?","A:	A VISA Check Card must be associated with a checking account and cannot be issued for savings accounts.","A current customer must be in good standing with Oxford Bank in order to upgrade to a VISA Check Card.","Q:	How can a VISA Check Card be used?","A:	There are three ways to use a VISA Check Card:","To make purchases anywhere credit cards are accepted,","select the &quot;credit&quot; option; sign the receipt just as you would when using a credit card;","the amount of the purchase will be deducted automatically from your checking account.","To receive cash back at the time of purchase","select the &quot;check&quot; option;","enter your PIN number;","select the amount of cash you would like back;","the amount of the purchase AND the amount of the cash back will be deducted automatically from your checking account.","To withdraw cash or make deposits at an ATM","use your VISA Check Card at more than 600,000 ATMs worldwide by entering your PIN;","the withdrawal or deposit amount will be deducted or added automatically to your checking account.","Note: There is no ATM service charge to use any Oxford Bank ATM if you are an Oxford Bank customer using an Oxford Bank VISA or ATM card.","Q:	After I have requested my VISA Check Card, when can I expect to receive it?","A:	VISA Check Card (debit cards) are usually received by customers within 7-10 business days from the date of order.","Q:	I just received my VISA Check Card and it says I need to activate it.","How do I do this?","A:	For security reasons, we require that you activate your VISA Check Card.","Activation requires that you use your card just one time at any ATM or merchant that processes transactions requiring a PIN number.","Once you do just one transaction with your PIN, your VISA Check Card can then be used at any merchant location that accepts credit cards.","Q:	Should I sign the back of my VISA Check Card?","A:	Yes.","For your protection, never leave the signature panel on the reverse side of your card blank.","When a transaction is performed at a merchant location, merchants will compare the signature on the back of the card against the sales receipt.","If you neglect to sign your card and you should lose it, someone could find it and sign it themselves, in which case the signature on the receipt would match the signature on the card and the merchant would approve the transaction.","Also remember that cards are not valid until they are signed.","Q:	I would like to change my Personal Identification Number (PIN) on my ATM or VISA Check Card.","What do I need to do?","A:	Visit any of our branch locations to change your PIN number.","Once your new PIN number has been selected, you can use it immediately.","Q:	What should I do if my ATM or VISA Check Card is not working?","A:	Visit your nearest branch location.","Q:	What should I do if I lose my ATM or VISA Check Card?","A:	Notify us IMMEDIATELY so that we can restrict your card and protect your account.","You have the option of visiting your nearest branch location or calling 800-335-1064.","Q:	If I notice charges on my account for ATM or VISA Check Card transactions that I do not recall performing, or they are for an amount different than what I authorized, what do I do?","A:	If you notice erroneous charges on your account relating to ATM or VISA Check Card transactions, you must notify us in writing within 60 days from the statement date that the transactions appeared.","Upon receipt of written notification, we will promptly investigate the matter.","While our investigation could take between 45-90 days to complete, we will ensure that a temporary credit is issued to you within 10 business days while we investigate.","Q:	Can I have more than one ATM or VISA Check Card?","A:	No.","For your protection, we will issue you only one ATM or VISA Check Card depending on the type of accounts you have with Oxford Bank.","However, if accounts are shared, each customer can have their own ATM or VISA Check Card.","If your ATM or VISA Check Card should become damaged, please contact us and we will promptly reissue you a new card.","Q:	Are there any withdrawal or purchase limits associated with my ATM or VISA Check Card or ATM card?","A:	Each day, you may withdraw a maximum of $500 cash using your VISA Check Card or $200 per day with your ATM card.","Additionally, with your VISA Check Card you can purchase up to $2000 of merchandise at any merchant that accepts VISA.","CHECKING &lt;top&gt;","Q:	What types of checking accounts do you offer?","A:	Oxford Bank has a variety of checking options to meet your needs.","For example: We offer both interest and non-interest bearing accounts.","Other options include checking accounts that use your balances in other Oxford Bank accounts to offset charges, as well as offer additional banking benefits and conveniences.","We are eager to help you select the account that's right for you.","Visit Checking Accounts or contact us.","Q:	Can I earn interest on my checking account?","A:	Oxford Bank offers a number of different checking accounts that earn interest.","Q:	What should I do if I lose a check or it is lost in the mail?","A:	You should notify us IMMEDIATELY by contacting your nearest branch office.","Q:	Do I get my checks back in my statement?","A:	Oxford Bank offers many checking accounts that return your checks with your statement.","Q:	If I accidentally write a check and there is not enough money in my account to cover it, what happens?","A:	If a check is presented for payment against an account with insufficient funds, the check will be returned, unless there are funds in an Overdraft Protection line of credit account or your account has Bounce Protection.","An insufficient funds charge may apply.","Q:	How do I stop payment on a check or a pre-authorized check?","A:	To place a stop payment, you may contact your nearest branch.","A stop payment fee will apply.","CREDIT CARDS &lt;top&gt;","Q:	What type of credit cards can I apply for at Oxford Bank?","A:	Oxford Bank offers a variety of credit card options through our partnership with VISA and MasterCard.","For more information about the credit card services that Oxford Bank offers, stop by your nearest Oxford Bank branch location or email us.","Q:	Does Oxford Bank offer credit cards for small businesses?","A:	Check with your Oxford Bank branch office to find out more about Business Credit Card options for small businesses.","HOME EQUITY LOANS &lt;top&gt;","Q:	How long does it take to get a home equity loan with Oxford Bank?","A:	Oxford Bank strives to complete the entire home equity loan process as quickly as possible.","Generally speaking, it takes approximately ten business days from start to finish.","Your experience may vary, depending on the complexity of your loan.","Q:	What do I need to get started with applying for a home equity loan?","A:	Simply call the Oxford Bank Finance Center at 248-969-7222 to get your application started.","A knowledgeable customer service representative will guide you through the application process and work to get your loan approved and closed as quickly as possible.","Q:	How do I calculate the available equity in my home?","A:	Oxford Bank offers home equity loans and lines of credit up to 100% of loan-to-value.","To figure out how much equity you have, use the following formul","Appraised Value $___________ Minus Outstanding Mortgage(s) - $___________ Equals available equity $___________","Q:	What's the difference between a fixed rate, fixed term home equity loan and a home equity line-of-credit?","A:	A fixed rate, fixed term home equity loan is a specific dollar amount borrowed for a specific period of time.","The borrower cannot add on to the loan and must repay the agreed upon monthly payment until the loan is paid in full.","A home equity credit line provides a revolving source of funds for all your borrowing needs.","With a credit line, you may access and repay your credit line, up to its limit, however often you wish, up to maturity.","LOANS &lt;top&gt;","Q:	What types of auto loans are available at Oxford Bank?","A:	Oxford Bank offers a variety of rates and terms on new and used car loans.","To apply for a car loan, please visit the Oxford Bank location nearest you.","Q:	What other loans can I find at Oxford Bank?","A:	Oxford Bank offers the following options:","Mortgage Loans","Home Equity Loans","New and Used Auto Loans","Boat, RV and Motorcycle Loans","Credit Cards","Overdraft Protection","Business Loans","Misc.","Equipment Loans If you don't see a particular category for the loan you seek, please contact your Oxford Bank branch.","MORTGAGE &lt;top&gt;","Q:	I want to buy my first home, but I am unsure what to do first?","A:	There are several steps you should take:","Look at your own financial situation.","Establish a good credit history by paying your bills by the due dates - including your rent.","Use credit sparingly and do not charge credit cards up to the limit.","Try to save money for a down payment and closing costs.","Oxford Bank has several first-time homebuyer programs that need very little money down; however, you should always have some cash in reserve to handle emergencies, moving expenses, turning on utilities, etc.","Decide how large of a house payment you feel comfortable paying each month.","This generally gives a good starting point in pre-approving you for a mortgage.","Make an appointment to visit an Oxford Bank loan represen- tative for pre-approval consideration.","We will be glad to analyze your individual financial position, assist in determining your maximum mortgage, and put you in the right direction for homeownership.","Q:	How long do I have to be on my job?","A:	There is no mandatory time to be on a job.","However, you must show income stability to handle the future mortgage payments.","In underwriting a mortgage, emphasis is given to the last two years with no gaps in employment over 30 days.","If you are self-employed, two year's tax returns should be available.","Q:	What is a sales contract?","A:	This is a legally-binding agreement between buyer and seller which, when accepted by all parties, confirms the purchase price of the property.","Usually the buyer places a small amount of money in deposit as good faith (called &quot;earnest money&quot;).","Do not sign any sales contract unless you have reviewed it carefully and perhaps even had it reviewed by an attorney.","A contract is often contingent upon many things, such as mortgage loan approval, inspections of well and/or septic systems, satisfactory building inspection and termite inspection.","You should make sure your rights are protected.","Q:	Do I really need a building inspection?","A:	If you are buying a new home, you will have warranties on the roof, furnace, air conditioning, etc., and your own inspection of the home may be sufficient.","However, the older the home, the more that can be wrong with it.","Care should be taken to inspect the following:","The foundation for cracks and leaks","The roof should have 3 to 5 years of remaining life","The plumbing should meet local code with no leaks","The heat exchanger in a gas furnace should not be cracked","The electrical service should be adequate","Q:	What does the term &quot;fixed-rate&quot; versus &quot;adjustable rate&quot; mean?","A:	Fixed-rate mortgage has the same total principal and interest payment (P&I) every month.","In addition to that amount, a monthly installment of taxes, insurance, and private mortgage insurance will be added to create the total monthly mortgage payment.","An adjustable-rate mortgage allows the interest rate charged to go up or down depending on market conditions.","There are usually caps placed on the rates to provide the borrower protection against the rate going up too high.","Because of the interest rate changes, the principal and interest amount can change at certain intervals set established in the mortgage.","These loans tend to have a higher rate of risk.","You have the chance that the payment may go down, but you have the same chance the payment may increase.","Q:	With a fixed rate loan, can my payment ever change?","A:	Yes, while the principal and interest stay the same, your taxes and insurance paid monthly will change according to tax assessments and increases in homeowner's insurance costs.","OVERDRAFT PROTECTION &lt;top&gt;","Q:	What does Oxford Bank provide in the form of checking account overdraft protection?","A:	For peace-of-mind and the ultimate in convenience, Oxford Bank offers checking account customers the opportunity to apply for an Overdraft Protection line of credit.","This credit line kicks in when your checking account reaches a zero balance.","It provides the ability to write a check for more than your cash balance and the opportunity to write your own loan check when and where you need it most.","Oxford Bank also offers Bounce Protection which is an overdraft privilege requiring no action on your part.","With no paperwork to sign, your Bounce Protection will be automatically assigned.","As long as you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days), Oxford Bank may honor overdrafts up to the Bounce Protection limit on your account.","The bank's normal non-sufficient funds (NSF) fee of $20 for each transaction will be deducted from your limit.","You will receive an overdraft notice in the mail each time overdraft items are paid.","SAVINGS & MONEY MARKET (MMDA) &lt;top&gt;","Q:	What savings accounts do you offer?","A:	Oxford Bank offers a variety of ways for you to invest and watch your money grow.","Q:	How much do I need to open an account?","A:	Savings accounts can be opened with as little as $25 and money market deposit accounts can be opened with a minimum of $1000.","Design Note:	(&quot;Savings&quot; links to Savings Account page and &quot;money market deposit accounts&quot; links to its corresponding web page.)","Q:	Can I write checks on my savings account?","A:	If you are looking for the convenience of writing checks against a savings account, a money market deposit account has limited check writing privileges.","Q:	Are there any restrictions to how many transactions I can make on my money market account?","A:	Federal regulations limit you to six transfers per month, of which only three may be payments made by check or electronic card transfer (point-of-sale) to a third party.","In-branch and ATM transactions are unlimited.","Q: Can I have an ATM or VISA Check Card with a savings account?","A: Only ATM cards may be issued to a customer with a savings account.","Oxford Bank - Serving Each Generation One Person at a Time","./RESOURCES-faq.cfm","33.1","15 Dec 2003");
Page[51]=new Array("RESOURCES - Glossary of Terms","Helping You Understand Banking Information - Glossary of Terms","To help you better understand our products and services - and our industry - Oxford Bank has developed the following glossary that includes a variety of terms in alphabetical order.","Ability to pay: A borrower's ability to meet his/her current and future debt obligations.","Accrued Dividend: A regular dividend that is considered to be earned but not declared or payable.","Accrued Expenses: Expenses which are incurred, but for which payment is not yet made, during a given accounting period.","Accrued Interest: Interest due on a bond or other fixed income security since the last interest payment was made.","This often occurs for bonds purchased on the secondary market, since bonds usually pay interest every six months, but the interest is accrued by the bondholders every month.","When a bond is sold, the buyer pays the seller the market price plus the accrued interest, for which the buyer will be reimbursed at the end of the six- month period.","Accrued interest is calculated on a 30-day month for corporate bonds and municipal bonds, and on actual-calendar-days for Government Bonds.","Income bonds, bonds in default and zero-coupon bonds trade without accrued interest.","Account: A relationship under a particular legal name (business, individual, trust), such as a checking account or savings account.","The term is also used to describe the historical record of payments, deposits or withdrawals, called the statement of account or account statement.","Accountant: One who is skilled in the practice of accounting or who is in charge of public or private accounts.","Accounts Payable: Money that a company owes to vendors for products and services purchased on credit.","Accounts Receivable: Money that is owed to a company by a customer for products and services provided on credit.","Treated as a current asset on a balance sheet.","ACH Processing: Automated Clearing House (ACH) processing occurs between a nationwide network of financial institutions that send electronic messages, via telecommunication lines instead of paper (checks), to transfer money between two parties.","The most common ACH transactions are direct deposit, pre-authorized debits, cash concentration and corporate to corporate payments.","Adjustable Rate Mortgage: A loan secured by a mortgage on real estate property that has a variable interest rate that can be changed over the term of the loan which may result in higher or lower monthly payments of principal and interest.","Amortization: The gradual elimination of a liability, such as a mortgage or other type of loan, in regular payments of principal and interest over a specified period of time.","Annual Percentage Rate: The effective rate of interest on a loan assuming a one-year time period.","This is the interest rate that is disclosed to borrowers for comparison with credit offered by other lenders.","The calculation is the same as Internal Rate of Return (IRR).","Assets: Anything that a company or individual owns that has commercial or exchangeable value is an asset.","Assets usually are divided into two classes: fixed assets (sometimes referred to as non-current assets), including property, plant and equipment (PP&E), construction in progress, leasehold improvements; and current assets, including cash, marketable securities, inventories, receivables (money owed to the company for products or services sold), and deferred charges.","Intangible assets, such as trademarks, patents, copyrights and goodwill, are usually shown under fixed assets.","Automated Teller Machine (ATM): A machine that allows the customer to perform some of the more common teller transactions, such as cash withdrawals, deposits and transfers.","ATMs are generally accessible 24 hours a day, 7 days a week.","Average Balance: For revolving credit, such as credit cards, and certain types of deposit accounts, such as a money market or savings account, this is the balance on which interest is charged or paid.","The calculation should be disclosed in the information about the loan or deposit.","The simplest is the total of each day's balance divided by the number of days in the cycle.","Bank or Account Statement: The record of transactions for an account over a specified period of time, such as a monthly bank statement or checking account statement that records all the deposits made and checks cleared during the month.","A loan or credit card statement will show any new charges, the amount of interest charged, and any payments made.","Cashier's Check: A check drawn by a bank on itself, signed by a cashier or other authorized bank officer and payable to a third party named by the customer.","Cashier's checks are universally accepted.","Certificate of Deposit (CD): A type of deposit account typically with a fixed minimum term and a minimum initial deposit; interest payments may be either fixed or variable.","Generally, CDs offer a higher interest rate than other deposit accounts.","CFP: Certified Financial Planner.","Check Card (Debit Card): A plastic card with the VISA logo, designed to give a customer access to funds in his/her checking account to obtain cash, purchase goods and services, or transfer funds from one account to another.","The cards are accepted around the world wherever you see the Visa logo.","Check Safekeeping: The process of microfilming customers' paid checks.","The microfilm is the official record of the transaction and is retained by the financial institution.","Canceled checks are stored rather than returned to the customer.","Compound Interest: Interest that accrues when earnings for a specific period are added to principal; thus interest for the following period is computed on the principal plus accumulated interest.","Credit Cards: A plastic card that can be used by the holder to make purchases or obtain cash advances using a line of credit made available by the card-issuing financial institution.","Daily Compounding: A frequency of calculating interest whereby interest is added to the principal each day and then earns interest itself.","Direct Deposit: A pre-authorized system in which customers' government benefits or other payments are automatically deposited to their checking or savings accounts.","Some types of Direct Deposit are social security, SSI, VA benefits, annuities, payroll checks and dividend checks.","Coverdale Education Savings Account (CESA): Formerly known as an Education IRA, the Coverdale Education Savings Account is an investment tool created for the purpose of paying for the future cost of a child's post-secondary education.","Contributions and their earnings are tax-free when withdrawn to pay for qualifying education expenses.","Grace Period: A time period within which a depositor can withdraw funds from a certificate without penalty.","Individual Retirement Accounts: Three types to choose from for eligible individuals: the Traditional IRA, Roth IRA, and the Coverdale Education Savings Account (CESA).","DESIGN NOTE: (Above are links to respective parts of the site)","Money Market Deposit Account: A deposit account offered by financial institutions that is designed to be directly equivalent to, and competitive with, money market mutual funds.","These accounts, unlike mutual funds, are FDIC insured.","NOW Account: A deposit account, similar to a checking account, from which the account holder can withdraw funds by writing a negotiable order of withdrawal (NOW) payable to a third party and which can earn interest.","Overdraft Protection: A service that allows the customer to write checks for an amount over and above the amount in their checking account.","Funds are transferred from their line of credit or other designated account to their checking account as needed.","Personal Identification Number (PIN): A secret number or code used by the account holder to authorize a transaction or obtain information regarding his or her account.","Often used in conjunction with a plastic card or with a telephone voice response system.","Qualified Retirement Plan: An employee benefit plan that qualifies for special tax treatment under Internal Revenue Code Section 401(a).","Regular Savings Account: A form of deposit account with no legal limits or requirements as to amount, duration, or times of additions or withdrawals.","Rollover IRA: A type of IRA that allows employees who receive a lump-sum distribution upon leaving an employer, or upon termination of an employer's qualified retirement plan, to deposit all or any portion of the funds in an IRA.","The portion of eligible distribution that is put into such an account enjoys the same tax-deferral status as a regular IRA.","Roth IRA: Contributions are not tax deductible but distributions can generally be withdrawn tax-free.","Signature Card: A form, executed by an account holder, establishing account ownership and setting forth some of the basic terms of the account and provisions of the deposit contract.","SIMPLE IRA: Savings Incentive Match Plan for Employees of small employers.","This Retirement Plan is simple to administer and offers contribution options that are both flexible and substantial; generally available to both for- profit and not-for-profit employers having no more than 100 employees.","Simplified Employee Pension Plan: A plan by an employer to make contributions toward an employee's retirement income.","The employer makes contributions, up to the annual contribution limits, directly to an IRA set up by an employee with a qualified financial institution.","Tiered Interest Rate: An interest rate structure in which the entire account balance earns a higher rate once it reaches the designated level.","Tax Identification Number (TIN): The number used to identify an individual or entity for federal income tax purposes.","Traditional IRA: Contributions may be partially or fully deductible, but distributions are generally taxable.","Trustee Transfer: The moving of IRA funds from one IRA trustee directly to another IRA trustee, with no check being made payable to the IRA participant.","This type of transfer is not subject to any time or frequency restrictions.","Uncollected Funds: Funds that have been deposited in an account or cashed against an account by a check that has not yet been cleared through the check collection process and paid by the drawee bank.","Financial Institutions typically place a temporary hold on their customers' uncollected funds, making those funds unavailable for withdrawal until the time period of the hold expires.","Uniform Transfer to Minors Act: An act that sets forth provisions for giving a minor an intangible gift (e.g., bank accounts, stocks or bonds) that results in income shifting with an adult serving as custodian.","The custodian has direct control over the gift and can sell and reinvest proceeds from the gift for the minor with the minor recognizing any gain and/or annual income that results.","Wire Transfer: An electronic transfer of funds from one financial institution to another.","Oxford Bank - Serving Each Generation One Person at a Time","./RESOURCES-glossaryofterms.cfm","21.7","15 Dec 2003");
Page[52]=new Array("RESOURCES - Identity Theft","Protect Against Identity Theft and Fraud.","Guard Your Account and Personal Information.","If you are an Oxford Bank customer and you think you are the victim of fraud, immediately contact us for assistance by calling 1-248-628-2533.","For additional help: Visit the U.S.","Government Identity Theft website at http://www.consumer.gov/idtheft to view the ID Theft Affidavit.","Or go to: American Banking Association (http://www.aba.com/Consumer+Connection/CNC_contips_idtheft.htm)","National Consumer League's Fraud Information Center","Want To Take Your Name Off Pre-Approved Credit Solicitations?","If you want to have your name taken off pre-approved credit solicitations (not just Oxford Bank solicitations), you can write to the following credit reporting agencies.","Please be sure to include your name, current address and Social Security number.","Experian Consumer Opt-Out","P.O.","Box 919","Allen, TX 75013","Equifax Options","P.O.","Box 740123","Atlanta, GA 30374-0123","Trans Union LLC","Name Removal Option","P.O.","Box 97328","Jackson, MS 39288-7328","DESIGN NOTE:	(Above &quot;Equifax, Experian, Trans Union&quot; link to their websites.)","Take These Precautions To Protect Your Information","Be discriminating when providing personal information such as Social Security number and account or credit card information over the telephone, in person or on the Internet.","Don't give out this information unless you are sure with whom you are dealing.","Protect your Social Security number and the Social Security numbers of your children and other family members.","Do not carry them in your wallet.","Report lost or stolen checks, credit or debit cards immediately.","Oxford Bank will block payment on the check numbers or account numbers involved.","Store cancelled checks, new checks and account statements in a safe place.","Notify your banker of suspicious phone inquiries such as those asking for account information to &quot;verify a statement&quot; or &quot;award a prize.&quot;","Review your credit report at least once every year.","Make sure all information is up-to-date and accurate.","Memorize your PIN(s) (Personal Identification Number) and refrain from writing them, your Social Security number or credit card number on a check.","Tear up or shred any pre-approved credit offers to which you do not respond.","Thieves can use these offers to assume your identity.","Keep mail secure.","Don't mail bills or sensitive information from your home or unsecured mailboxes.","Retrieve and review your mail promptly.","Thieves may use the personal information contained in your mail to steal your identity.","If you do not receive your regular bills when expected, call the company to find out why.","Review your monthly account statements thoroughly.","Investigate suspicious items immediately to head off any possible fraud before it occurs.","Do not carry your Social Security card, passport or birth certificate unless needed that day.","Oxford Bank - Serving Each Generation One Person at a Time","./RESOURCES-identitytheft.cfm","13","15 Dec 2003");
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Result1 += "<TD COLSPAN=6 background='images/banner-top.gif' HEIGHT=29 align='right'><a href='index.cfm' class='topLevelNav'>Home</a>&nbsp;</TD>		<td COLSPAN=6  background='images/banner-top.gif' HEIGHT=29 align='left'> | <a href='sitemap-content.cfm' class='topLevelNav'>Sitemap</a> | <a href='privacy-content.cfm' class='topLevelNav'>Privacy</a> | <a href='disclosures-content.cfm' class='topLevelNav'>Disclosures</a>&nbsp;</td>";


Result1 += "<TR>";

Result1 += "<form name='JF1' action='javascript:FND(document.JF1.JT1.value)'><TD COLSPAN=3 background='images/banner-middle.gif'>&nbsp; <input type='text' name='JT1' value='Search' onClick='this.value=\"\"'> <input type='image' src='images/submit-button.gif' align='absbottom'></TD></form>";

Result1 += "<TD COLSPAN=2 align=right><A HREF=\"https://www.netteller.com/oxfordbank/login.cfm\" ONMOUSEOVER='changeImages(\"bannerbutton_onlinebanking\", \"images/bannerbutton-onlinebanking-.gif\", \"bannerbutton_onlinemortgage\", \"images/bannerbutton-onlinemortg-14.gif\"); return true;'ONMOUSEOUT='changeImages(\"bannerbutton_onlinebanking\", \"images/bannerbutton-onlinebanking.gif\", \"bannerbutton_onlinemortgage\", \"images/bannerbutton-onlinemortgage.gif\"); return true;'><IMG NAME='bannerbutton_onlinebanking' SRC='images/bannerbutton-onlinebanking.gif' WIDTH=107 HEIGHT=33 BORDER=0 ALT=''></A></TD>";


Result1 += "<TD COLSPAN=4><A HREF='#url-onlinemortgage' ONMOUSEOVER='changeImages(\"bannerbutton_onlinemortgage\", \"images/bannerbutton-onlinemortg-15.gif\"); return true;' ONMOUSEOUT='changeImages(\"bannerbutton_onlinemortgage\", \"images/bannerbutton-onlinemortgage.gif\"); return true;'><IMG NAME='bannerbutton_onlinemortgage' SRC='images/bannerbutton-onlinemortgage.gif' WIDTH=113 HEIGHT=33 BORDER=0 ALT=''></A></TD><TD COLSPAN=3><A HREF='CONTACT-branchlocations.cfm'ONMOUSEOVER='changeImages(\"bannerbutton_branchlocations\",\"images/bannerbutton-branchlocat-17.gif\"); return true;'ONMOUSEOUT='changeImages(\"bannerbutton_branchlocations\", \"images/bannerbutton-branchlocation.gif\"); return true;'><IMG NAME='bannerbutton_branchlocations' SRC='images/bannerbutton-branchlocation.gif' WIDTH=116 HEIGHT=33 BORDER=0 ALT=''></A></TD></TR>";

Result1 += "<TR><TD><A HREF='index.cfm' ONMOUSEOVER='changeImages(\"tab_home\",\"images/tab-home-over.gif\"); return true;'				ONMOUSEOUT='changeImages(\"tab_home\", \"images/tab-home.gif\"); return true;'><IMG NAME='tab_home' SRC='images/tab-home.gif' WIDTH=52 HEIGHT=21 BORDER=0 ALT=''></A></TD>";

Result1 += "<TD><A HREF='personalbanking-content.cfm' ONMOUSEOVER='changeImages(\"tab_personalbanking\",\"images/tab-personalbanking-over.gif\"); return true;'				ONMOUSEOUT='changeImages(\"tab_personalbanking\", \"images/tab-personalbanking.gif\"); return true;'><IMG NAME='tab_personalbanking' SRC='images/tab-personalbanking.gif' WIDTH=109 HEIGHT=21 BORDER=0 ALT=''></A></TD>";

Result1 += "<TD COLSPAN=2><A HREF='businessbanking-content.cfm'				ONMOUSEOVER='changeImages(\"tab_businessbanking\",\"images/tab-businessbanking-over.gif\"); return true;'				ONMOUSEOUT='changeImages(\"tab_businessbanking\", \"images/tab-businessbanking.gif\"); return true;'><IMG NAME='tab_businessbanking' SRC='images/tab-businessbanking.gif' WIDTH=113 HEIGHT=21 BORDER=0 ALT=''></A></TD>";

Result1 += "<TD><A HREF='aboutus-content.cfm' ONMOUSEOVER='changeImages(\"tab_aboutus\", \"images/tab-aboutus-over.gif\");return true;' ONMOUSEOUT='changeImages(\"tab_aboutus\", \"images/tab-aboutus.gif\"); return true;'><IMG NAME='tab_aboutus' SRC='images/tab-aboutus.gif' WIDTH=64 HEIGHT=21 BORDER=0 ALT=''></A></TD>";

Result1 += "<TD COLSPAN=2><A HREF='COMMUNITY-inthecommunity.cfm' ONMOUSEOVER='changeImages(\"tab_community\",\"images/tab-community-over.gif\"); return true;'				ONMOUSEOUT='changeImages(\"tab_community\", \"images/tab-community.gif\"); return true;'><IMG NAME='tab_community' SRC='images/tab-community.gif' WIDTH=81 HEIGHT=21 BORDER=0 ALT=''></A></TD>";

Result1 += "<TD COLSPAN=3><A HREF='resources-content.cfm'				ONMOUSEOVER='changeImages(\"tab_resources\",\"images/tab-resources-over.gif\"); return true;'				ONMOUSEOUT='changeImages(\"tab_resources\", \"images/tab-resources.gif\"); return true;'><IMG NAME='tab_resources' SRC='images/tab-resources.gif' WIDTH=72 HEIGHT=21 BORDER=0 ALT=''></A></TD>";

Result1 += "<TD COLSPAN=2><A HREF='contact-content.cfm'ONMOUSEOVER='changeImages(\"tab_contactus\", \"images/tab-contactus-over.gif\"); return true;' ONMOUSEOUT='changeImages(\"tab_contactus\", \"images/tab-contactus.gif\"); return true;'><IMG NAME='tab_contactus' SRC='images/tab-contactus.gif' WIDTH=76 HEIGHT=21 BORDER=0 ALT=''></A></TD></TR>";

Result1 += "<TR><TD WIDTH=162 HEIGHT='100%' bgcolor='#304091' valign='top'></TD><TD><IMG SRC='images/vertical_column_tile.gif' WIDTH=27 HEIGHT='100%' ALT=''></TD><TD WIDTH=567 HEIGHT='100%' COLSPAN=12 valign='top'>&nbsp;<br>";


//////////////////////////////////// End of New Code ///////////////////////////////////////////



if(SearchWord.length>=1){SearchWord=SearchWord.toLowerCase();
while(SearchWord.indexOf("<")>-1 || SearchWord.indexOf(">")>-1 || SearchWord.indexOf('"')>-1){SearchWord=SearchWord.replace("<","&lt;").replace(">","&gt;").replace('"',"&quot;");}
this.status="Searching, please wait...";BeginTime=new Date();
Result1+="<center><table cellpadding='10' class='t' width='75%'><tr><td>";
for(j=0;j<53;j++){k=Page[j].length-1;SamePage=false;LineNr=0;
for(i=0;i<k-2;i++){WordPos=Page[j][i].toLowerCase().indexOf(SearchWord);
if(WordPos>-1){
FoundWord=Page[j][i].substr(WordPos,SearchWord.length);
if(!SamePage){NrRes++;
Result3+="<P>";
Result3+=NrRes+". ";
Result3+="<a class='l' href='"+Page[j][k-2]+"'>"+Page[j][k-3].replace(FoundWord,FoundWord.bold())+"</a><BR>\n";
Result3+="<I>URL: "+Page[j][k-2]+"&nbsp;&nbsp;</I>";
Result3+="<I>Size: "+Page[j][k-1]+"k&nbsp;&nbsp;</I>";
Result3+="<I>Date: "+Page[j][k]+"&nbsp;&nbsp;</I>";
}SamePage=true;
if(i<k-3){LineNr++;if(LineNr>2){break;}
if(Page[j][i].length>350){Result3+="<LI>..."+Page[j][i].substr(WordPos-50,100+FoundWord.length).replace(FoundWord,FoundWord.bold())+"...\n";}
else{Result3+="<LI>"+Page[j][i].replace(FoundWord,FoundWord.bold())+"\n";}}
ResFound=true;}}}
if(!ResFound){
Result3+="<CENTER><U>No results found!</U></CENTER>\n";}
Result3+="<P><CENTER>"
Result3+="<a class='h' href='javascript:history.back()'>Go Back</a>\n";
Result3+="<a class='h' href='#'>Go to Top </a>\n";
Result3+="</CENTER></td></tr></table></center>";

Result3+="</TD></TR><TR><TD><IMG SRC='images/bottom_left.gif' WIDTH=162 HEIGHT=30 ALT=''></TD><TD><IMG SRC='images/bottom_middle.gif' WIDTH=27 HEIGHT=30 ALT=''></TD><TD WIDTH=567 HEIGHT=30 COLSPAN=12></TD></TR><TR><TD><IMG SRC='images/spacer.gif' WIDTH=162 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=27 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=52 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=109 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=70 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=43 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=64 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=43 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=38 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=20 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=12 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=40 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=12 HEIGHT=1 ALT=''></TD><TD><IMG SRC='images/spacer.gif' WIDTH=64 HEIGHT=1 ALT=''></TD></TR></TABLE>";

Result3+="</BODY></HTML>";
Result2="<center><B>"+NrRes+"</B> result(s) found";
Result2+=" for <B>"+SearchWord+"</B>. Search took <B>";
Result2+=(Math.floor((new Date()-BeginTime)/10)/100)+"</B> second(s).</center><P>";
this.status="Done";
this.document.open();
this.document.write(Result1+Result2+Result3);
this.document.close();}
else{this.status="Error: You must enter at least 1 character(s)!";}}