Community banks are scrambling, looking for ways to boost fee income from customers who might otherwise turn to larger banks offering a fuller range of products and services. The degree to which community banks are able to participate in this trend is directly related to their size. While they are increasingly under pressure to become one-stop-shops, often they are limited -- by the knowledge, resources, time and talent it takes to establish a full-service Investment Center.

In 1985 only 24 percent of bank revenues came from non-interest sources. Now that number is well over 50 percent, and climbing. Developing an internal brokerage service can be complex and expensive. The question community banks are asking now is, "How can I set up a successful Iinvestment Center and who is the best firm to help me do it?"

Some community banks are leery. They fear disintermediation. They resist change. Flexible Financial Marketing, Inc. (FFMI) offers a full-service approach that includes all the support your financial institution needs to offer a value-added program to your clients.

Find out for yourself why we make sense. It's called the Flex-Test©. Take a look and see how an FFMI Fee-Income Program can dramatically impact your bank's revenue growth.