‘Twas the Friday before Christmas, when all thru’ the south, Few customers were stirring or moving about; The bankers were curious, some with great doubt, As to the total deposits that remain in accounts The Lenders were restless, withholding their moans, Constantly seeking out bookable new loans; The year has seen rates finally decreasing, But will rate declines continue without ceasing? When markets are stressed and shook to the core, We spring into action with services galore; With a focus on serving banks every need, Our professional team stands ready to lead; For hard hit communities, knowing not where to turn, Local banks provide the services and trust that is earned; When, what to bankers’ eyes should appear, A partner whose trust and reliance are clear; People need guidance to stay on the tracks, Leadership matters: we have Joey and Pax. To serve all bank needs, that is the aim, So many key services, let’s call them by name: On Lending, Compliance, ALM and Safekeeping, On NetLink, insurance, and Bond Accounting. From the Bayou to Ozarks – to the coast of NC, Birmingham, Orlando and on to the Keys. When rates are in flux, loans cause more worry, Our lenders work hard getting deals done in a hurry. Difficult times call for innovative thinking, Working overtime to keep participations from sinking. Faster Payments arrived in the form of FedNow, We responded with a solution guaranteed to wow; Whether tis better to Receive or to Send? Instant Pay delivers the service on which bankers depend; FedNow banks need settlement to flow, All FedNow offsets to our account can go; Inbound payments to customers must post, Instant Pay features accommodate most; And when time comes to enable the Send, The requisite features to you we’ll extend. Compliance experts with skills off the chain, A professional review or audit you will attain; If you weren’t quite sure, the loans you are stating, Our loan review team examines all risk ratings; The Experience: the best compliance and fraud event, You must budget to go; money well spent. And when you had a ponderable question, We answered the phone with focused attention. We genuinely care about banks and community, To serve you we look for every opportunity; Across all the south, we continue to grow, Your faith in us grows, we’re thankful and so, We continue our quest for your biz we must earn, To supply all your needs, it’s a role that we yearn. On behalf of Joey and Pax and of course Mr. Q, Merry Christmas to all, we appreciate you!