BANK OWNED LIFE INSURANCE • Meyer-Chatfield ACB has partnered with Meyer-Chatfield to offer Bank Owned Life Insurance to members with significant member advantages, including dedicated education resources. Policies are customized to meet the individual asset/liability mix, risk profile and benefit needs of your bank. ACB members also have access to the information, expertise, and implementation capabilities needed to take full advantage of the BOLI investment opportunity.

FINANCIAL PLANNING SERVICES • Money Concepts Money Concepts International, Inc. is a full-service financial planning and brokerage organization that offers a proven Financial Planning Centre Concept and customized programs to benefit institutions large and small. This program allows you to create and build customer relationships by providing value-added financial planning services, and to effectively compete with non-bank competitors who are targeting your customers.

FIXED INCOME STRATEGIES • Stifel Nicolaus & Company, Inc. Stifel Nicolaus & Company, Inc. (formerly Legg Mason Capital Markets) has a distinguished approach to servicing depository institutions. The Stifel Nicolaus Capital Markets Strategy Team has over 20 years experience in bank portfolio management and 25 years in bank regulation. The strategy team specializes in developing custom solutions tailored to each bank’s specific needs.

INSURANCE • St. Paul Travelers No risk management plan is complete without extensive risk control elements. As a leading insurer, St. Paul Travelers provides unmatched expertise in insurance coverage for financial institutions nationwide including a wide array of products to manage e-business risks. A number of traditional coverages are also available, including directors’ and officers’ liability, financial institution bonds, employment practices liability, computer theft, bankers’ professional liability and property protection. New! Get additional insurance coverage for your directors and officers with no added premium! • NASDAQ Insurance Agency The ACB/NASDAQ Insurance Agency partnership offers Risk Assessments of current in force insurance policies exclusively for ACB members and constituents of the America’s Community Bankers NASDAQ Index.

NON-INTEREST INCOME ENHANCEMENTS • Strunk & Associates, L.P. Through ACB’s alliance with Strunk & Associates, ACB members can present a genuine service to customers by offering “overdraft privileges”. This program creates a win-win situation by saving the customer overall costs and the embarrassment of bounced checks, while increasing the banks fee income. ACB members have enhanced access to a program that has produced dramatic results for hundreds of community banks. To date, ACB members have generated in excess of $20,000,000 in fee income enhancements through the Strunk program.

POOLED TRUST PREFERRED SECURITIES • Citigroup Global Capital Markets Raise Capital Without Diluting Your Existing Shareholder Interest Community banks can now raise capital for growth and other strategic purposes at an affordable price. ACB has partnered with Citigroup, which offers an exclusive Pooled Trust Preferred Partnership (TRUPS) with major member advantages. The ACB/Citigroup program allows community banks an inexpensive way to enhance their financial strength by increasing their capital base in a cost-effective manner without increasing their amount of common shares outstanding. Member advantages include reimbursement of out-of-pocket expenses and a warehouse credit line that enables immediate funding.