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1 ICBA Membership { Advocacy Retail Brokerage Services Community Bank IT Institute Merchant POS Solutions ICBA NewsWatch Today Illustration by Stephen Webster Your Solution Source ICBA Preferred Service Provider program answers your product and service questions By Adam Mahone Ask yourself these questions: If one of my customers needed information about his account, could he find it on my community bank s Web site? What would happen if a fire or earthquake suddenly engulfed the bank? Do I have an effective plan to maintain my business? How will I compete with the high interest, incentive-laden checking accounts that several large financial institutions are offering their customers? 90 ICBA IndependentBanker

2 For answers to these questions and more, look to ICBA s Preferred Service Provider Program. ICBA s suite of Preferred Service Provider companies continue to evolve with the changing landscape of community banking and rising customer expectations, bringing innovative products and services to your community bank at a discounted price. New In Services Online delivery channels will make up more than half of your community bank s interaction with customers who demand an intuitive banking experience, which makes it imperative to consistently review your Web site and consider adding new online features to better serve their needs. Your customers expect online features, the large bank you re competing with down the street offers it, and with ICBA s relationship with Goldleaf Financial, a Preferred Service Provider for Web design and hosting, your bank can offer it as well. Goldleaf Financial partners with your bank to design a custom Web site and provides content managers to ensure your site meets compliance and security regulations. The company s dedicated support staff will maintain the site after it goes live, allowing your staff to focus on the dayto-day business of banking. In today s market, where customers are constantly bombarded with ads for high-interest rate checking accounts, competing on pricing is a necessity. With this in mind, ICBA recently signed a deal with BancVue as a new ICBA Preferred Service Provider. REWARD- Checking from BancVue let s you provide a free checking account with no minimum balance where customers can earn a high interest rate and ATM refunds when they meet monthly account requirements set by your bank. On average, REWARDChecking delivers twice the annual profit of existing checking accounts, reducing the cost to service these accounts. The net result: Banks offering this account can attract new core deposits, new customers and increase fee income. So now that the community bank s Web site is up and running and new REWARDChecking accounts are attracting a steady stream of new customers, how does the bank compete with the incentive-laden credit and debit card rewards programs offered by competitors? What s New Join the thousands of ICBA members who are already adding to their bottom lines and reap the many benefits of participating in ICBA Services. Visit click on Products & Services and select ICBA Preferred Service Providers to learn more about the companies and products discussed in this article. Once again, ICBA can help. In May 2008 ICBA expanded our Preferred Service Provider program with Fidelity National Information Services to include its ScoreCard Rewards Program. This cost-effective credit and debit card rewards program gives ICBA member banks a tool to attract new customers and increase profitability by rewarding customers card use with travel and merchandise incentives. Cardholders accumulate ScoreCard Bonus Points for every net dollar spent on qualified purchases, and banks have the option of tailoring their own bonus point schedule. Earlier this year, ICBA also introduced Strohl Systems as a Preferred Service Provider offering business continuity planning software at special pricing for members. This software allows community banks to prepare for future incidents that could jeopardize their institution s core mission, long-term health and financial stability. Both large and small institutions use business continuity planning software as a tool to create a logistical plan for how their organizations will recover from a natural disaster or another unforeseen interruption of business. The software has been designed specifically to help community banks meet Federal Financial Institutions Examination Council regulations. As the financial industry s only Webbased planning tool, the software can help bankers and compliance officers navigate the business continuity planning process step-by-step without leaving the office. Partners for Progress ICBA remains committed to offering your customers innovative products and services that will keep pace with the ever-changing marketplace and economic trends that are apparent in our industry. All of our services represent the next generation of banking and customer service. As community banks needs and expectations evolve, ICBA will continue to bring exciting products and services to the marketplace to meet the needs of your customer and your franchise. Take a moment to review the many other Preferred Service Provider programs to find out what s new. ICBA wants to hear what s new with you. If you have an idea for a product or service area that you d like ICBA to look into, contact me. ib Adam Mahone is ICBA services coordinator. Reach him at adam.mahone@ icba.org ICBA IndependentBanker 91

3 BancIntelligence BancIntelligence is the industry s only online advisory solution. The BancAnalyst online tools combine extensive financial and market data with the thought processes of experienced bank advisers to provide instant access to objective analysis. Contact Kevin Tweddle at (800) (ext. 3228), or visit M Benefit Solutions M Benefit Solutions Bank Strategies is a leader in the community bank executive and director compensation, benefits and BOLI marketplaces. Help attract, retain and reward key bank executives and directors through the design, implementation and administration of compensation and benefit programs that maximize the use of a bank s financial resources. Contact Mike Elliott at (888) , ext. 7622, or mike.elliott@ mben.com. Student Loan Finance Corp. Student Loan Finance Corp. offers an easy-to-use student loan program that benefits both your bank and your customers. A low-cost program, BrainScratch is a turnkey student loan solution for ICBA member banks to help them compete in the marketplace by providing a total student lending solution without the risk associated with an in-house program. Call (800) , or visit Triton Now you can afford to take the chains off your pens. Triton, a trusted name in the financial industry for over 25 years, features a complete line of affordable ATMs for financial institutions and their off-site locations. With more than 185,000 installations in 24 countries worldwide, Triton is the new choice for community banks that are no longer willing to pay the high prices traditionally associated with ATM ownership. Visit or call (228) CDARS Promontory Interfinancial Network makes it easy for your institution to manage its liquidity needs using the CDARS service. CDARS gives community banks a competitive edge by offering a cost-efficient funding solution. With CDARS, banks can attract and retain large deposits by offering customers up to $30 million in FDIC insurance. Call (866) , or visit Pitney Bowes Pitney Bowes provides the world s most comprehensive suite of mailstream software, services and solutions to help companies, including thousands of financial institutions. Pitney Bowes helps companies manage their flow of mail, documents and packages to cross-sell, acquire new customers and strengthen existing relationships. A variety of mailstream solutions packages are available for ICBA members. For more information, visit or call (866) Equifax Equifax offers real-time consumer data and insight for risk decisions, fraud prevention and portfolio management needs enabling you to reduce costs and maximize your growth opportunities. This innovative ability to transform information into intelligence is valued by banks of all asset ranges and sizes. Equifax also provides fast and easy ways to find, approve and market to the appropriate audiences allowing you to approve new accounts and minimize financial risk while facilitating cross-sell opportunities. For more information, contact Wayne King at (678) ICBA IndependentBanker

4 QwickRate QwickRate is America s largest non-brokered CD marketplace for institutional buyers and sellers of funds since Recently, QwickRate launched econtact, a new automated offer acceptance process that allows community banks to more easily communicate with QwickRate investors and gather non-brokered deposits. econtact has substantially reduced the amount of phone calls and paperwork community banks handle. ICBA members receive subscription discounts. Call (800) , or visit for a tour of the network. Fidelity National Information Services Named the No. 1 provider of technology to the banking industry by American Banker and the Fintech 100, Fidelity National Information Services (FIS) has been successfully serving the needs of community banks for more than 30 years as a leading provider of technology to the banking industry. FIS helps banks gain a competitive advantage with integrated and scalable technologies including: core processing, item processing, card processing services and solutions, loyalty and enhancements and fraud protection. For more information, call (877) or visit Floodwatch Floodwatch is a single source provider for federally regulated flood compliance and force placed or foreclosed property insurance. The program provides flood zone determinations, NFIP flood, excess flood and force placed insurance for residential and commercial properties. Visit com or contact Sharon Gulvas at (800) , or sharon_gulvas@ floodwatchins.com. BenefitsBank BenefitsBank offers a complete employee benefits program exclusively for ICBA members and is administered by HUB International Midwest. Benefits- Bank can offer employees life, medical, dental, disability, vision, long-term care and voluntary accidental death and disability coverage. Contact Jim McNichols at (312) for more information. Travelers Travelers SelectOne is a portfolio of insurance products with coverage options to address crime exposures, banker s professional liability, director s and officer s liability, property, casualty, auto, works compensation and more. In 2008, more than 1,076 community banks shared a $4.2 million policyholder dividend for participating in the ICBA/Travelers Insurance Program with SelectOne. For more information, visit com/icba, or contact Mark Horton at (800) , ext. 6712, or mchorton@travelers.com. Wolters Kluwer Financial Services Wolters Kluwer Financial Services is the leading provider of compliance, content, technology and services to financial organizations throughout the United States. Discounted pricing is available to ICBA members on Wolters Kluwer Financial Services deposit, lending, IRA, and Bank Secrecy Act/Anti-Money Laundering technology solutions, as well as the company s printed documents. Contact Pam Braland at (800) (ext ). 94 ICBA IndependentBanker

5 Bank Property Advisors Bank Property Advisors LLC (BPA) is focused exclusively on developing customized sale-leaseback solutions for medium and small-size banks and thrifts. BPA employs a unique analytical approach developed specifically for community banks. Contact Adam Mahone at (800) , or visit www. bankpropertyadvisors.com for more information. Michael White Associates Michael White Associates offers discounts on products and services that help ICBA members develop or improve insurance sales programs. The company can save banks time and make them money. Call (866) , or visit American Banker American Banker s unique features created specifically for community bankers include: News by state, Viewpoints, Ranking the Banks, weekly newsletter and nine Community Banking Special Reports annually. American Banker provides the tools small bankers need to succeed. Visit for a free four-week trial in print and online. There is no risk and no obligation. For more information, call subscription services at (888) , and mention source code J88ABS to receive this special offer (valid for new subscribers only). Goldleaf Financial Solutions Goldleaf Financial Solutions Inc. offers a strategic suite of integrated technology and payment processing solutions to financial institutions. Goldleaf s products and services enable financial institutions to succeed in today s competitive market, solidify their trusted financial relationships, expand their presence and improve profitability through the efficient use of technology. Goldleaf works with clients across six continents. For more information about Goldleaf and its set of solutions, please visit Main Street Checks Main Street Checks is a full-service check printing company located in Birmingham, Ala. Main Street is the ICBA s Preferred Service Provider for check printing that focuses on community and independent financial institutions. The company offers premium quality check products and unparalleled customer service. Visit com, or call (866) Strohl Systems PLANet, designed specifically for community banks, enables users to build and maintain business continuity plans. With more than 1,100 customers, PLANet provides the advantage of a comprehensive planning tool that s easy to use and available when needed. PLANet guides users through the planning process step-by-step. It also reduces the time and cost of building plans, helps banks comply with FFIEC requirements, and assures customers and employees that their business can withstand any disaster. For more information, visit Travelex Travelex is offering new card programs for ICBA member banks. The Visa TravelMoney Card is point-of-sale activated and ATM accessible, ideal for domestic and international travelers. The Visa Gift Card is a prepaid card, flexible enough to use as a gift for any occasion. Contact Joan Jager at (800) or joan.jager@travelexamericas.com for more information. BancVue BancVue is dedicated to empowering community banks to dominate their market. The REALChecking System has been proven to increase core deposits, improve profitability and deliver new customers. Each product is implemented with experience driven consultation, technology integration, 96 ICBA IndependentBanker

6 dynamic marketing services, launch support and training that ensures each product s success. For more information, contact BancVue at (877) or salesops@bancvue.com. Holtmeyer & Monson Holtmeyer & Monson is a full-service Small Business Administration (SBA) lending and consulting firm that focuses solely on the unique opportunity SBA lending presents for community banks. Holtmeyer & Monson works with lenders to process and make SBA loans. Holtmeyer & Monson improves institution profitability via the sale of SBA guarantees in the secondary market. Consulting services of Holtmeyer & Monson include SBA loan portfolio management. For more information, visit inbusiness Services inbusiness Services is the developer of 360 View CRM, and they can help you manage the following tasks: referrals, goals and incentives, incidents, customer touches, personal follow ups, cross-sells, customer ranking and attrition, intelligent prospecting, pipelines, marketing lists, and customer and product on-boarding campaigns. 360 View CRM integrated with Loan Past Due and DDA Overdraft management modules is your simple to use software solution to create, track and grow profitable-lifelong customers. Visit online at CPI Card Group A leading plastic card manufacturer, CPI Card Group offers everything from foil cards and holograms to translucent and smart cards. The Nevada and Colorado plants are ISO 9001:2000 registered. Visa/MasterCard/American Express/Discover-certified, CPI - Colorado and CPI - Indiana specialize in unique financial credit cards. CPI - Nevada produces membership, access, gift, ID and other non-financial cards. All three facilities offer a suite of free design services that include stock designs, professional design assistance and a Web-based design tool, Card Designer. For more information, contact Janice Platzer at (800) ICBA IndependentBanker 97