MIBA/ICBA SERVICES

For more than 20 years, ICBA member banks have enjoyed increased access to quality-discounted products and services, brought to them by ICBA's Preferred Service Providers. Participation in these programs has helped community banks stay competitive by increasing savings through discount programs and generating revenue through fee income programs. The MIBA receives royalty revenue from these programs, which offset membership dues and association operating expense. For general information, call the ICBA at 800-422-7285.

ICBA/American Banker
American Banker presents unique features created specifically for community bankers, including State or region specific selection of banking news via a clickable map of the US. Plus useful State links, FDIC profiles, and more. Daily and weekly updates by email. Ten Community Banking Special Reports annually. Online access 24/7. FREE for 2 weeks. For more information, go to www.Abtrial.com.

ICBA/BenefitsBank Employee Benefits Program
BenefitsBank is a full-service employee benefits program for ICBA members provided exclusively by HUB International Illinois. BenefitsBank offers needed products to employees and their dependents including life, medical, temporary medical, dental, disability, vision and voluntary accidental death coverage. Contact Jim McNichols at 800-432-2558, ext. 4858 or email: jimmcnichols@hubinternational.com.

ICBA/Certegy Value-Added Checking
Value-Added Checking is a product enhancement that makes your fee-based checking account more attractive and profitable. Let Certegy show you how our industry experience, customer service focus, and competitive pricing will enhance your core customer relationships and improve your profitability. Call 800-215-6280, ext 72111, for details and a customized proforma. Isn't it time to re-evaluate your checking business?

ICBA/QwickRate
QwickRate is the largest non-brokered wholesale CD trading network for institutional CD buyers and sellers with an estimated B traded annually. QwickRate offers discounted annual subscriptions to ICBA members. Market participants may buy or sell CDs directly, paying no transaction fees. By implementing QwickRate's exclusive network, institutions gain a distinct competitive advantage; they may survey competitors, publish jumbo CD rates to qualified buyers, or invest with other institutions. For more information or a demo of the QwickRate network, please contact sales at 800-285-8626 or email: sales@qwickrate.com.

ICBA/Equifax Credit Reporting
Equifax delivers consumer credit information, credit risk scores, and custom decisioning via ePORT, Equifax's Internet delivery channel. This program helps banks approve new accounts and minimize demand deposit account risk. It also enables community banks to cross sell additional products to their customers. New banks joining the Equifax program are eligible for discounts. For more information contact Equifax at 800-967-0018, ext. 57112.

ICBA/Floodwatch
Floodwatch is a single source provider for federally regulated flood compliance and force placed/foreclosed property insurance. Program provides flood zone determinations, flood placement and force placed insurance for both flood and hazard. Service is accessible via phone, fax or web. For more information, contact Tom Becker 800-833-5912 or Patrick Small 800-923-6697. E-mail tom_becker@fprsi.com or Patrick_small@fprsi.com or visit the Website at www.floodwatch.fprsi.com.

ICBA/Index PoweredSM, CD
The Index PoweredSM CD (IPCD) is an FDIC insured certificate of deposit tied to Standard & Poor's 500 Index. It was developed with today's investor in mind and is available exclusively through community institutions. Your customers can enjoy the peace of mind of having their return of principal guaranteed by your bank and protected by FDIC insurance. For more information, contact Index Powered Financial Services at 877-594-6339 or ipcdinfor@ipfscorp.com or go to www.ipfscorp.com

ICBA/My Travel Wallet
My Travel Wallet (MTW), from Travelex, is a web-based, multi-product online ordering solution where customers can place orders for foreign exchange currency and other travel essentials. There are no annual fees or costs for ICBA member banks to add MTW on their sites and implementation can be done in less than 24 hours. For more information about My Travel Wallet, contact Karin Scott at 888-272-5376 ext. 2 or Karin.scott@travelexamericas.com.

ICBA/MWA Bank Insurance Consulting
Michael White Associates (MWA) offers ICBA member discounts on consulting products and services that help community banks enter the insurance marketplace or improve existing insurance sales programs. MWA saves clients time and money by identifying the insurance products and market-entry methods that will deliver the BEST result for their banks. ICBA members can rely on MWA's streamlined, objective approach to economic assessments of insurance, third-party due diligence, agency appraisals, strategic planning, program integration, compliance and more. To learn how MWA can help your bank increase profits through insurance sales, call 866-DIAL-MWA (866-342-5692) or visit www.bankinsurance.com.

ICBA/Advanced Financial Solutions
Advanced Financial Solutions (AFS) provides turnkey solutions to the financial sector for check imaging, archive and other ancillary solutions. 27% of US financial institutions are users of AFS software for their check processing - as direct customers or indirect customers of AFS' installed-base of 3rd party service providers. For more information, contact Chuck Butler at 704-770-0876 or go to www.afsimage.com.

ICBA/Pitney Bowes
Pitney Bowes offers mailing and shipping supplies at special ICBA member discounts, as well as equipment finance programs through Pitney Bowes Credit Corp. For more information about the company's services and products, contact your local sales representatives by calling 800-322-8000 or visit the Website at www.pitneybowes.com.

ICBA/Earnings Enhancement and Courtesy Overdraft
Call Profit Technologies (PTC) if you want the best Courtesy Overdraft solution on the market or if you want to improve profitability, increase revenue, reduce expenses, and strengthen shareholder values with our Earnings Enhancement program. We analyze your organization and offer revenue enhancement recommendations; you decide which strategies are best for your bank. For additional information call 877-PTC-ICBA (877-782-4222).

ICBA/M Benefit Solutions - Bank Strategies
M Financial Group is a leader in the community bank executive and director benefits and BOLI marketplace. Help retain and reward key bank executives and directors through the design, implementation and administration of benefits programs that maximize the use of bank's financial resources. For more information, contact Mike Elliott, 888-272-0192, ext. 7622; Email: Mike.Elliott@mben.com or visit the Website at www.mbenefitsolutions.com/bank.

ICBA/St. Paul Bank Insurance Program with Select One
When your bank needs insurance-be it financial institution bond, directors and officers liability, bankers professional liability or other property/casualty coverages-look no further than St. Paul SelectOneSM, available through the ICBA/St. Paul Insurance Program. For more information, contact Mark Horton at 800-542-8770, ext. 6712; email: mchorton@stpaultravelers.com or visit the St. Paul Web site at www.stpaul.com/icba.

ICBA/SLFC Student Loan Program
Student Loan Finance Corp. is an originator of and secondary market for student loans, providing liquidity for financial institutions. SLFC offers Brainscratch, a complete, turnkey student loan solution for ICBA member banks. Brainscratch helps community banks retain their young customers while providing fee income opportunity. For more information, please call 800-645-7404 or go to www.brainscratch.com.

ICBA/Travelex Worldwide Money Transfer
Travelex Worldwide Money Transfer Service is an internet-based money transfer and remittance service that enables member banks to better serve minorities and educate the unbanked population in their areas. Worldwide Money Transfer is an internet-based solution that is easy to implement with no annual support or licensing fees. Banks will earn fee income on every transaction and it's fast and convenient for customers.For more information on the Travelex Worldwide Money Transfer Service or to obtain an application and contract, please visit www.icba.org/remittances or contact Tom Tucker at 610-524-2157;e-mail: tom.tucker@travelexamericas.com.

ICBA/Visa Travelers Cheques
Member banks can participate in the ICBA/Travelex Visa Travelers Cheque program without incurring any annual fees. In addition, banks can generate fee income revenue by retaining the standard 1% commission charged to their customers. For more information about the program, please contact Karin Scott at 888-272-5376 X2 or email: Karin.scott@travelexamericas.com.

ICBA/Xtria (formerly Fields Financial Services)
Keeping up with loan documents, events and exposures is a critical function of all bank loan departments. ICBA members receive a 6 percent discount on the Tickler Tracking System, which automates document control and prevents exposures due to missing or improper documentation. For more information contact Tracey Cruz at tcruz@xtria.comor call 800-950-2550.