Almost everyone's life works through his bank. Most of the time, you hope your bank represents you smoothly - and once in a while, when there's a hitch and, say, the bank can't reach you, you hope it'll take the initiative and act in your interest, within its authority. The partnership here works that way, and if the customer meets the bank halfway he gets both personal attention and access to ""big bank"" resources for that special opportunity. I know.
Pros: People, Flexibility, Personality, Focus and Expertise
Cons: (If you find one, they'll take it personally! I know!)
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