State Bank: Your Capital At Work


Floods. Viruses. Tornados. Worms. Terrorist Attacks. Fires. Theft. Hackers. Lions and Tigers and Bears. Oh my. We don�t mean to scare you . . . well, maybe we do. The scary thing is that while there are any number of events that can disrupt your business, many businesses, especially small businesses, have not taken the basic steps to protect themselves. Research suggests that less than 10% of small and medium sized businesses have crisis management, business continuity, and disaster recovery plans. When you consider that two out of five companies that experience a disaster will go out of business within five years of the event, not having a plan is a dangerous gamble. So if you think you can�t afford to take the steps necessary to protect yourself, you really can�t afford not to. Make a Plan The first step is to assess your particular situation and the risks your company may face, both internally and externally. Read more.	Working Capital Finance Group Newsletter May 2003 Also in this Issue: Tools of the Trade: Here are just some of the companies who develop security solutions and products Texas Topics: Help for small businesses dealing with the recent National Guard Mobilization Stat of the Month: Growth in average cost for a gallon of self-serve gasoline Question of the Month: What can I do to improve employee morale? Spotlight on State Bank: Michael Kunst Working Capital Finance Group Products: Working Capital _________________ For More Information on Working Capital Products for Your Company: Contact a State Bank Representative Previous Issues

Quote of the Month “When you walk to the edge of all the light you have, and take that first step into the darkness of the unknown, you must believe one of two things will happen: there will be something solid for you to stand upon, or you will be taught how to fly.” — Patrick Overton

Tools of the Trade Here are just some of the companies who develop security solutions and products. Antivirus CyberSoft Panda Software Sophos Symantec Backup Systems Aelita Software Avax International Lockstep Systems Quest Software Storactive Vircio Firewalls Check Point Software Technologies CyberGuard Corporation Symantec Zone Labs Vircio Network Security CyberSoft GFI Symantec Top Layer Vircio		With the recent mobilization of more than 3,500 members of the Texas National Guard, many businesses in Texas are dealing with the temporary loss of employees. While this affects large and medium size businesses, it is most difficult on small business. Small companies often do not have the personnel necessary to fill in for colleagues who are away. And with the current economic climate most businesses are operating with fairly tight staffs as it is. Companies that think they can simply replace the absent employee with a new permanent hire should know that there is a law that prevents companies from doing so. The Uniformed Services Employment and Reemployment Rights Act (USERRA), enacted October 1994 and significantly updated October 1996 and 1998, provides protection and rights of reinstatement to employees who participate in the National Guard and Reserve. Read more.	Stat of the Month Growth in average cost for a gallon of self-serve gasoline: Read more.

Question of the Month Q: What can I do to improve employee morale? A: Creating positive employee morale is not necessarily about giving gifts or paying people more. It’s more about the way people are treated on a day-to-day basis. Learn more.		Spotlight on State Bank In an effort to introduce you to the staff at State Bank and allow you to get to know them better we will be spotlighting different State Bank employees on a regular basis. This month we feature Michael Kunst. What is your role with State Bank? I am the Portfolio Manager for the State Bank's Working Capital Finance Group's Asset Based Lending division. Read more. Working Capital Solutions for Your Business Would immediate access to Working Capital help you grow? We will work with you to understand your individual needs and present you with one of our customized solutions. Read more.
Click here to submit a question.

Was this e-mail forwarded to you? Learn more about State Bank. Member FDIC and Equal Housing Lender. PRIVACY STATEMENT: You received this newsletter because you are a valued State Bank customer. We will never sell your information to a third party without your consent. If you would prefer not to receive this newsletter in the future, reply to this e-mail with “unsubscribe” in the subject line. For more information please refer to our Privacy Policy. Copyright © 2003 by State Bank \| Published by Cole Harmonson

Floods. Viruses. Tornados. Worms. Terrorist Attacks. Fires. Theft. Hackers. Lions and Tigers and Bears. Oh my.
We don�t mean to scare you . . . well, maybe we do. The scary thing is that while there are any number of events that can disrupt your business, many businesses, especially small businesses, have not taken the basic steps to protect themselves.

Research suggests that less than 10% of small and medium sized businesses have crisis management, business continuity, and disaster recovery plans. When you consider that two out of five companies that experience a disaster will go out of business within five years of the event, not having a plan is a dangerous gamble. So if you think you can�t afford to take the steps necessary to protect yourself, you really can�t afford not to.

Make a Plan
The first step is to assess your particular situation and the risks your company may face, both internally and externally. Read more.

Working Capital Finance Group Newsletter
May 2003

Also in this Issue:
Tools of the Trade:
Here are just some of the companies who develop security solutions and products

Texas Topics:
Help for small businesses dealing with the recent National Guard Mobilization

Stat of the Month:
Growth in average cost for a gallon of self-serve gasoline

Question of the Month:
What can I do to improve employee morale?

Spotlight on State Bank:
Michael Kunst

Working Capital Finance Group Products:
Working Capital
_________________

For More Information on Working Capital Products for Your Company:
Contact a State Bank Representative

Previous Issues

Quote of the Month
“When you walk to the edge of all the light you have, and take that first step into the darkness of the unknown, you must believe one of two things will happen: there will be something solid for you to stand upon, or you will be taught how to fly.” — Patrick Overton

Tools of the Trade
Here are just some of the companies who develop security solutions and products.

Antivirus
CyberSoft
Panda Software
Sophos
Symantec

Backup Systems
Aelita Software
Avax International
Lockstep Systems
Quest Software
Storactive
Vircio

Firewalls
Check Point Software Technologies
CyberGuard Corporation
Symantec
Zone Labs
Vircio

Network Security
CyberSoft
GFI
Symantec
Top Layer
Vircio

With the recent mobilization of more than 3,500 members of the Texas National Guard, many businesses in Texas are dealing with the temporary loss of employees. While this affects large and medium size businesses, it is most difficult on small business. Small companies often do not have the personnel necessary to fill in for colleagues who are away. And with the current economic climate most businesses are operating with fairly tight staffs as it is.

Companies that think they can simply replace the absent employee with a new permanent hire should know that there is a law that prevents companies from doing so. The Uniformed Services Employment and Reemployment Rights Act (USERRA), enacted October 1994 and significantly updated October 1996 and 1998, provides protection and rights of reinstatement to employees who participate in the National Guard and Reserve.

Read more.

Stat of the Month
Growth in average cost for a gallon of self-serve gasoline:

Question of the Month
Q: What can I do to improve employee morale?
A: Creating positive employee morale is not necessarily about giving gifts or paying people more. It’s more about the way people are treated on a day-to-day basis. Learn more.

Spotlight on State Bank

In an effort to introduce you to the staff at State Bank and allow you to get to know them better we will be spotlighting different State Bank employees on a regular basis. This month we feature Michael Kunst.

What is your role with State Bank?
I am the Portfolio Manager for the State Bank's Working Capital Finance Group's Asset Based Lending division.
Read more.

Working Capital Solutions for Your Business
Would immediate access to Working Capital help you grow? We will work with you to understand your individual needs and present you with one of our customized solutions.
Read more.

Click here to submit a question.

Was this e-mail forwarded to you? Learn more about State Bank. Member FDIC and Equal Housing Lender.

PRIVACY STATEMENT:
You received this newsletter because you are a valued State Bank customer. We will never sell your information to a third party without your consent. If you would prefer not to receive this newsletter in the future, reply to this e-mail with “unsubscribe” in the subject line. For more information please refer to our Privacy Policy.

Copyright © 2003 by State Bank | Published by Cole Harmonson