As First Creative works to obtain its own banking charter, it will continue to assemble the very best team of experienced professional bankers who understand the particular nuances of intangible asset banking, intellectual property lending, and financial advisory specifically designed to service the special banking needs of the Creative Community.

As First Creative expands its customer base it intends to differentiate its capabilities by adding additional products and services to better service the financial needs of the creative community by perfecting its expertise in royalty rights manangement, digital rights management, intellectual property asset management, identifying intellectual properties lost within creative companies, financial service advice, artist royalty on works of fine art, barter bank program, wealth management advisory, health and insurance productions, and wealth management.

The organizers believe First Creative Bank will achieve a better than average growth rate than traditional community or regional banks. These institutions typically follow a growth pattern that fans out from a geographic main branch headquaters. Since a key underlying core concept of First Creative Bank is to aggregate a community of like-minded creative community businesses and individuals. We believe our growth pattern will echo the phenomenon of viral growth patterns experienced in the internet community building companies and social networking platforms like MySpace, Facebook, MeetUP.com, LinkedIn, Friendster, and YouTube among others. The growth rate we anticipate is also supported by the Creative Community's predisposed acceptance of rapidly changing software and hardware technology as well as other creative forms computer literacy in its core business practices.

First Creative intends to further differentiate itself from other financial institutions by demonstrating its relevance to the Creative Community beyond its ability to deliver first rate banking products and great customer service. As a corporate culture, the bank aspires to establish a safe and secure “banking brand” committed by its actions, programs and activities to be engaged in the overall health and well being of the Creative Community.

First Creative Capital believes the success of our banking brand “will grow virally” due in large part to understanding that we are building a “social community of like-minded companies and individuals around offering first-rate financial services.”

First Creative plans to establish the following differentiated programs and activities to demonstrate the bank's commitment to play a well-balanced role in supporting the Creative Community with greater dedication than other traditional financial institutions.

1. Ambassador program:

First Creative is in the process of establishing a unique Ambassador outreach program designed to build the infrastructure to connect First Creative to the grass roots activities of the 12 business sectors that make up the Creative Community.

Individual Ambassadors will be nominated by industry leaders and chosen by the Board of Directors to function as good-will emissaries responsible for building the bank's relationship with each sector of the Creative Community.

2. Establishing First Creative Foundation

With 10% of the equity ownership of First Creative to be held by First Creative Foundation, a powerful message is sent to the Creative Community that the bank is dedicated to play an active and meaningful role in support of the best interests of the Creative Community.

The Foundation will aggressively pursue a well-designed fund-raising donor program to begin its granting activities, and will adapt an entrepreneurial business approach to generating income to support its gifting programs.

3. Establish an Honorary Artist Advisory Board

The Board of Directors of the bank further intends on differentiating this banking brand from other financial institutions by creating an Honorary Artist Advisory Board consisting of three prominent leaders from each of the 12 Creative Community disciplines. These luminary individuals will be chosen based on their accomplishment, experience, credibility, sense of social responsibility and integrity beyond their celebrity. These honorariums are structured as three-year terms of commitment, thereby providing a constant influx of new ideas and energy from the leaders of the Creative Community to First Creative.

4. Health, Dental, and Life insurance programs for bank account holders.

First Creative intends on making arrangements with wholesalers of health care and life insurance services that would provide group discounts for its members who do not presently have these services.

5. Establish a credit card offering with a round up program to benefit First Creative Foundation

First Creative intends to establishing a credit card with a “round up” incentive plan integrated into the program to directly benefit First Creative Foundation. Each cardholder would be given the choice of rounding up their monthly bill to the next closest $1, $10, or $100 (silver, gold, and platinum programs) with the rounded up amount contributed to First Creative Foundation as a tax-deductible donation.

Each month the accumulating total of on-going donations will be reported to the account holder on the monthly statement so the account holder can have the benefit of and the positive personal satisfaction to see how much support the card holder has given to First Creative Foundation.

6. Branch Strategy

In addition to a limited number of stand alone bank branches in each city, First Creative intends on pursuing a co-branded branching strategy in conjunction with cultural institutions, like Lincoln Center or City Center in New York, or the Kennedy Center in Washington DC, as well as strategic retailers to initiate a co-branded, shared real estate lease strategy designed to locate bank branches inside the physical locations of potential strategic partners. Real estate and operational expenses would be shared subject to a contractual agreement with business or cultural entities that have a vested interest in the Creative Community. In this way, First Creative would be able to expand its branch network with greater efficiency requiring less of its capital resources.