Jeff Dick
President and CEO
MainStreet Bank

The only thing constant is change. With the elections now thankfully behind us, one thing is certain - we are going to experience change.

Despite the tough decisions that lie ahead, I feel optimistic about the future. Why? Because with change comes opportunity. Historically, more new wealth has been created during economic downturns than in any other times. The key is to look for the right opportunities. They are out there. 

Perhaps more important though, is to seek out the right trusted advisors. If you don’t already have a good accounting advisor, seek one out. The same goes for legal, insurance, and of course banking. But, look no further than MainStreet for your banking advice. At MainStreet, we take a very creative approach to devising business solutions that work for you.

We also have a little change of our own to announce: I am deeply honored that Patsy Rust has agreed to take a seat on the Board of Directors of MainStreet Bank. As a Senior Vice President, Patsy has been an integral part of MainStreet Bank’s success from the very beginning. To celebrate Patsy’s new role in the bank, we are hosting an Open House. I hope you stop by and welcome Patsy to her new role.

Meet MainStreet - Patsy Rust

Patsy Rust is truly part of the foundation upon which MainStreet Bank is built.

When Jeff Dick and Tom Chmelik broached the idea of creating MainStreet in 2003, Patsy’s enthusiasm about serving customers and the community quickly brought friends and neighbors on-board as shareholders.

But Patsy’s roots with the bank go even further: “When Jeff took me to the site they’d picked for the Herndon branch,” she recalls, “I couldn’t believe my eyes. It was the exact spot on Elden Street where my grandmother’s house had stood.  It really was like coming home.” And “coming home” was how Patsy always wanted MainStreet Bank customers to feel. As Branch Manager and Senior Vice President, she created the interior of the Herndon branch to feel very much like her grandmother’s home – complete with the big picture window looking out on Elden Street.

Now, after a long career of helping customers with loans and deposits, Patsy starts her new role on MainStreet Bank’s Board of Directors. “What I want to do now,” she explains, “is to get out in the community and let people know that their money is safe with us, and how much our bank can do to help them - no matter what they need and no matter how much things change."

And thanks to banking technology, Patsy has witnessed major changes over the years. “Years ago, on Fridays we’d have 500 people come in to cash their checks,” Patsy recalls. “But now, ATMs, debit cards and direct deposit have changed all that.

"Of course, even with great technology, there are still times when people have questions or need advice. When that happens, they don’t want a toll-free number or FAQs on a Web site - they want to talk to a real person. That’s what is so important about MainStreet: whenever you call or walk in, you connect with knowledgeable bank personnel who really know you and will do everything they can to help.”

Creative Solutions

Are you still getting paper copies of your bank statement? 

MainStreet’s E-Statements can make it easier to stay up to date with your account and avoid identity theft. Here’s how: E-Statements are actually safer than mailed statements. 

With MainStreet’s E-Statements, you don’t have to worry that your confidential account information can be stolen from your mailbox or copied down by someone visiting or working in your home. Plus, you don’t have to worry about finding a secure way to store and later dispose of old statements.

Instead, MainStreet delivers your statements directly to your computer. You’ll be notified by e-mail that your newest E-Statement is ready. Clicking the link in the e-mail takes you to a secure Web site where you can enter your password and PIN to review both your current and past statements. 

Signing up is quick and easy:

• Go to MainStreet Bank’s Web site www.mstreetbank.com
• Click LOG IN TO CONSUMER ONLINE BANKING
• Enter your NetTeller Internet Banking ID and PIN
• Click the E-Statements tab
• Enter the e-mail address where you’d like statement notices sent, along with a security phrase that will be displayed on all e-mails we send from this site
• Click ENROLL NOWThat’s all there is to signing up for E-Statements! 

If you have any questions, please don’t hesitate to contact our Connect Support Department at (703) 481-4589 or e-mail us at connect@mstreetbank.com.

StreetSmart - High CD rate just for our eNewsletter readers

Did you know that by using online banking you have a much lower chance of becoming a victim of fraud or identity theft. You can reduce your risk even further by following these three troubleshooting practices: 

• Don’t reply to or even click on e-mails that ask for personal, financial or account information. In fact, instead of clicking on links, go directly to the Web site by using bookmarks or typing the address into your browser. 
• To confirm that you are on a secure page, look for “https” at the beginning of the URL and check for the padlock icon in your browser window. 
• Use a browser that has a phishing filter and keep your own antivirus and spyware up to date.  

MainStreet Answers

Q. How are banks doing in Virginia?

A. The 130 banks in the Commonwealth are safe and sound. Deposits in Virginia banks are covered by FDIC insurance. Virginia banks have more than $30 billion in capital. They are regularly and thoroughly examined by state and/or Federal regulators who focus on institutional performance, soundness and risk management. Not only are Virginia banks strong, they employ more than 68,000 Virginians!

JAZZ 4 JUSTICE

MainStreet Bank is a proud sponsor of George Mason University's 7th annual Jazz4Justice. This concert benefits the charitable endeavors of the Fairfax Law Foundation and the music scholarship fund at GMU. This year's 7th Annual Jazz4Justice Concert will be held on November 21, 2008, at 8:00 p.m. at GMU's Center for the Arts Building. Tickets are $20.00.