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    <title data-ignore-plain-text>Welcome to the New Year with B2 Bank</title>
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  <p class="brand-name" style="margin:0 0 1.25em 0;font-weight:normal;margin-top:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#000;font-size:17px;line-height:1em;mso-line-height-alt:17px;white-space:pre-wrap;"><em><strong><span data-letter-spacing="2" style="font-size:inherit;font-weight:inherit;line-height:inherit;margin:0;letter-spacing:0.1em;">B2 Bank’s Quarterly Newsletter</span></strong></em></p>
  
  

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      <div class="section-caption-text" style="position:relative;"><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.05em;mso-line-height-alt:1.05em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.03em;color:#fff;text-align:center;"><strong>Hello, New Year! 🎉</strong></h4><p class="" style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#fff;">A new year brings fresh beginnings, new opportunities, and a chance to reset. As we start the year, we’re keeping this newsletter simple while sharing a few helpful updates and reminders to kick things off right.</p><p class="" style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#fff;">We look forward to another year of serving our customers, supporting our communities, and helping make everyday banking easy and convenient. </p><p class="" style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#fff;">Thank you for choosing B2 Bank—we’re excited for what the year ahead has in store.</p><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.05em;mso-line-height-alt:1.05em;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.03em;color:#fff;"></h4></div>
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<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="text-section section-content">
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    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:8px;padding-right:66px;padding-bottom:8px;padding-left:66px;color:#313131;background-color:#fff;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.26em;mso-line-height-alt:1.26em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:0em;text-align:center;"><strong>Money-Smart Tips for the Season:</strong></h3><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class="">A few quick and easy ideas to help keep your finances on track:</p><ul data-rte-list="default" style="padding-left:25px;"><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;"><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class=""><strong>Review your budget:</strong> Even small adjustments can make a big difference.</p></li><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;"><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class=""><strong>Set one short-term goal:</strong> A savings target, paying down one bill, or organizing your finances.</p></li><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;"><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class=""><strong>Use alerts in online banking:</strong> Balance alerts and transaction notifications help you stay informed.</p></li><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;"><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class=""><strong>Remember CDs and savings options:</strong> Ask us if you want help finding the best fit for you.</p><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class=""><br> <strong>Link:</strong> <a href="https://www.b2.bank/checking-and-savings" rel="nofollow" style="color:#1e3f7c !important;">Services 2 | B2 Bank</a></p></li></ul>
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    <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" align="center" class="side-layout" style="width:100% !important;"><tbody><tr><td class="section-text-cell" style="padding-top:22px;padding-right:22px;padding-bottom:22px;padding-left:22px;">
      <div class="section-caption-text" style="position:relative;"><h3 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.26em;mso-line-height-alt:1.26em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:0em;color:#313131;text-align:center;"><strong>Security Corner: Stay Protected</strong></h3><p style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;text-align:center;" class="">Fraud and identity theft continue to rise — here are a few reminders to help keep your information safe:</p><ul data-rte-list="default" style="padding-left:25px;"><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;"><p style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;text-align:center;" class=""><strong>Never click links in suspicious emails or texts.</strong></p></li><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;"><p style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;text-align:center;" class=""><strong>Update your passwords regularly</strong> and avoid using the same one everywhere.</p></li><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;"><p style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;text-align:center;" class=""><strong>Monitor your accounts</strong> through online and mobile banking.</p></li><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;"><p style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;text-align:center;" class=""><strong>If something feels off, call us</strong> — we’re always here to help.</p><p style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;text-align:center;" class=""><br> <strong>Link:</strong> <a href="https://www.b2.bank/resources/cybersecurity" rel="nofollow" style="color:#1e3f7c !important;">Cybersecurity | B2 Bank</a></p></li></ul></div>
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      <div class="section-caption-text" style="position:relative;"><h2 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.5119999999999998em;mso-line-height-alt:1.5119999999999998em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:-.03em;color:#313131;"><strong>Meet Our Lending Team</strong></h2><p class="" style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;">Behind every loan is a team that truly cares. Our lending team is here to guide you through every step — whether you’re buying a home, upgrading a vehicle, or planning your next big milestone. With local knowledge and a commitment to personalized service, we’re proud to help turn your goals into reality.</p><p class="" style="font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#313131;">Stop in today at our Mt. Iron branch to visit with our lending team and learn how we can help.</p></div>
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      <h2 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.5119999999999998em;mso-line-height-alt:1.5119999999999998em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:-.03em;text-align:center;"><strong>Helpful Tools at Your Fingertips</strong></h2><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class="">A few reminders to make your banking easier:</p><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class="">📱 <strong>Online &amp; Mobile Banking</strong><br>
Check balances, transfer money, pay bills, and manage your accounts anytime, anywhere.</p><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class="">📸 <strong>Mobile Check Deposit</strong><br>
Skip the trip to the bank — deposit checks securely by snapping a photo right from your phone.</p><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class="">📬 <strong>e-Statements</strong><br>
Simple, secure, and paperless access to your statements whenever you need them.</p>
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      <div class="section-caption-text" style="position:relative;"><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.05em;mso-line-height-alt:1.05em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.03em;color:#fff8ef;">We’re upgrading your statements to make banking easier and more enjoyable! Coming by the end of the first quarter of 2026, our new statements will feature:</h4><ul data-rte-list="default" style="padding-left:25px;"><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#fff8ef;"><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.05em;mso-line-height-alt:1.05em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.03em;color:#fff8ef;"><em>Vibrant Color Printing</em> – See your information clearly and beautifully.</h4></li><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#fff8ef;"><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.05em;mso-line-height-alt:1.05em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.03em;color:#fff8ef;"><em>Simpler, Easier-to-Read</em></h4></li><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#fff8ef;"><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.05em;mso-line-height-alt:1.05em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.03em;color:#fff8ef;"><em>Layout</em> – Find what you need at a glance.</h4></li><li style="font-weight:normal;margin-top:0px;margin-bottom:0px;margin-left:15px;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;color:#fff8ef;"><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.05em;mso-line-height-alt:1.05em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.03em;color:#fff8ef;"><em>Product Spotlights</em> – Discover helpful services and offers tailored for you.</h4><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.05em;mso-line-height-alt:1.05em;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.03em;color:#fff8ef;">…and so much more!</h4></li></ul><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.05em;mso-line-height-alt:1.05em;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.03em;color:#fff8ef;">Get ready for a fresh, modern experience that puts you first.</h4></div>
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      <div class="section-caption-text" style="position:relative;"><h2 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.5119999999999998em;mso-line-height-alt:1.5119999999999998em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:-.03em;color:#313131;text-align:center;">Penny’s Spotlight: What’s Happening in Our Community?</h2></div>
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      <p class="" style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;">📌 Winter Reading Program - “Track down a good book.”<br>📅 January 5th thru February 27th, 2026<br>📍 Mt. Iron Public Library</p><p class="" style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;height:1.618em;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;"></p><p style="color:inherit;font-size:.875em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:'Lucida Grande', 'DejaVu Sans', 'Bitstream Vera Sans', Verdana, sans-serif;text-align:center;" class=""><em><strong>Have an event or news to share with our community? Let us help spread the word in our newsletter! Contact Jess, our Marketing Director, at jcarter@b2.bank or call (218) 749-3190.</strong></em></p>
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  <a style="color:#fff8ef;text-decoration:none;font-size:inherit;font-family:inherit;font-weight:inherit;line-height:inherit;cursor:default;">B2 Bank, 
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