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Personal Financial Services is a people-oriented business that emphasizes
long-term relationships. Nevertheless, the rapid changes occurring
in our Bank's principal Latin American and Caribbean markets
continually place new demands on maintaining these relationships.
For example, personal financial services clients are no
longer satisfied simply with time deposits, but require alternate investment
vehicles and, often in Miami, more personalized services reflecting the increased
frequency and
duration
of
their visits.
The International
Bank of Miami offers traditional personal financial services that include
checking, money market and savings accounts, safe deposit boxes,
bill paying, mail retention and credit cards, time deposits, personal
loans and secured lines of credit, as well as property loans for
second homes and investments in the Miami area through the Bank's
real estate division.
In addition,
our personal financial services bankers, in their role as financial
 consultants, present to their clients investment opportunities
intended
to suit each client's individual expectations. This means taking
a long-term
view of each client's risk profile and financial goals and providing
the investment products and products necessary to help them meet
their objectives.
The sustained
growth of The International Bank of Miami and the new wealth
being created in Latin America present the Personal Financial
Services Division with a challenge that is uniquely prepared
to meet...to continue to
provide its
clients with the optimal personal service, for which it is distinguished,
in a environment of rapid globalization of investment opportunities.
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