ICBA Services Network

ICBA Services Network represents the profitability solutions from the ICBA. Whether you are considering a new product line, or seeking a community focused provider, the ICBA Services Network has solutions for your bank. ICBA Bancard/TCM Bank, ICBA Reinsurance, ICBA Insurance Services, ICBA Mortgage, ICBA Financial Services and ICBA Securities. To encourage ongoing communications, ICBA established the Network with a board of directors that includes a representative of supporting state independent banker associations. In addition, the Network has an advisory committee comprised of five supporting state independent banker association executives. For more information, contact the ICBA Services Network by visiting www.icba.org or by calling 800-828-7183 Fax 703-841-5115.

ICBA Bancard/TCM Bank
ICBA Bancard/TCM Bank provide community banks access to comprehensive and competitive credit card issuing programs including the managed risk Total Card Management program, debit/ATM card programs, prepaid debit/gift/payroll card programs, merchant and Internet banking products including bill payment and bill presentment. With over 20 years of proven reliability and dedicated service, Bancard and its business partners Certegy and FiServ EFT are committed to the success of the nations community banks. For more information about ICBA Bancard/TCM Bank visit www.icbabancard.org or call 800-242-4770 Fax 703-841-5103.

ICBA Securities
ICBA Securitiesa service of the ICBA Community Banking Network, provides community bankers with quality investment products and services at competitive market prices. IBSC does this with EASE!

E ducation about investments
A nalysis of the bank's needs
S election of suitable securities
E xecution at competitive market prices

For information visit www.icbasecurities.com or call 800 422-6442 Fax 901-762-5333.

ICBA Mortgage
ICBA Mortgage is committed to providing you a complete range of secondary mortgage market solutions and specialty programs to meet your business needs and keep you competitive.

• Secondary Mortgage Market Access:
• Servicing released - Resource Mortgage Solutions
• Direct sales, servicing retained - Fannie Mae & Freddie Mac
• Reverse Mortgage Program
• Mortgage Reinsurance Program
• SmartLender Advantage^sm

ICBA Financial Services
ICBA Financial Services helps community banks offer their customers a full range of retail investment products. Through the lobby sales program, bank employees licensed through ICBA Financial Services can offer mutual funds, fixed and variable annuities, variable life insurance, long-term care insurance, investment advisory services, and individual and group retirement plans for small business customers. The discount brokerage program offered through a leading national provider allows customers who make their own investment decisions access to individual securities and over 6000 mutual funds. Access to the call center (toll-free telephone) is available at no cost to participating banks. Internet access is available for a nominal annual fee. Custom branding options are available. For more information visit www.icbafinancial.com or call 800-786-0223 Fax 901-766-3077.

ICBA Reinsurance
Through ICBA Reinsurance, participating banks continue to receive commission income and now have the opportunity to qualify for dividends and a share of investment income. With its provider, AIG American General, a nationally known A++ rated insurance company, community banks have access to life and disability insurance coverage's to meet virtually any borrowing need. With over 200 accounts in 28 states, the company paid its first dividend in 2003. For more information visit www.icbareinsurance.com or call 888-790-6625 Fax 703-528-9224

ICBA Insurance Services
ICBA Insurance Services offers a unique distribution system that supplies non-captive P&C insurance agents with the markets and tools they need to survive and thrive. Market selection is a critical issue for the success of any agency, from new and developing agencies to the largest and most established ones. ICBA Insurance Services provides efficient access, either through sub-codes or central placement, to a variety of markets selected to fill specific niches in the marketplace. Ask about the newest program InsureDesk™. For more information visit www.icbainsuranceservices.com or call 866-894-7699 Fax 703-528-9224

For ICBA Membership information please contact:

David A. Hibbs
Director, Midwest Regional Office
Independent Community Bankers of America

Physical Address
4315 101st Street
Urbandale, IA 50322-7971

Mailing Address
P.O. Box 7706
Urbandale, IA 50323-7706

Phone 515-278-1638
Fax 515-278-1638
E-mail: david.hibbs@icba.org
Website: www.icba.org