Enhance your revenue. Improve your bottom line.

PULSE | Debit Network Program
PULSE, a Discover Financial Services (NYSE: DFS)
company, is a leading debit/ATM network,
serving more than 4,400 banks, credit unions
and savings institutions across the US. The
network links cardholders with ATMs and POS terminals at retail locations
nationwide. Through its global ATM network, PULSE provides worldwide cash access
for Diners Club and Discover cardholders through hundreds of thousands of ATM
locations. The company is also a source of electronic payments research and is
committed to providing its participants with education on emerging products,
services and trends in the payments industry. Contact Mark Reda at 813-854-2210 or
visit www.pulsenetwork.com.
Sageworks | Credit Analysis
More bankers use Sageworks than any other credit
risk management platform. The solutions allow
users to increase defensibility to examiners and
auditors, automate documentation and disclosure requirements and increase
efficiency, comprehensiveness and transparency within their process. CBA endorses
Sageworks Credit Analysis, the leading global cash flow analysis solution. Sageworks
Credit Analysis provides easy-to-use tax return input screens that create spreads,
dynamic narrative analysis and customizable credit memos and allows banks to
book loans faster with consistency and transparency, while managing risk. To learn
more, contact Billy Burnet at 919-851-7474 ext. 619 or visit www.
sageworksanalyst.com.
SHAZAM | Debit Card/EFT Processing
SHAZAM delivers the tools community financial institutions need
to compete with a level of personal service and reliability
unmatched in the Electronic Funds Transfer (EFT) industry. As a
member-owned and controlled network we answer directly to
our financial institutions and focus on responding to their needs. SHAZAM is a
not-for profit organization and is not driven by profits or shareholder revenues. We
deliver the products, services and pricing that make our participants’ debit card
programs competitive. Contact Mark Fucci at 866-644-9314 or mfucci@shazam.net.
SNL Financial | Financial Data
SNL Financial provides profiles on more
than 20,000 U.S. companies, including all
publicly-traded banks and thrifts,
privately-held institutions and credit unions. Use SNL to evaluate your balance sheet
relative to peers and optimize your branch footprint and marketing strategy. Assess
potential acquisitions and manage shareholder expectations with SNL. SNL provides
a robust suite of tools to help community banks evaluate their performance and
grow their business. Visit www.snl.com/communitybank; contact Jake Bartlett at
434-951-6915 or jbartlett@snl.com.
Staples | Office Supply Program
Staples, the world’s largest office superstore, is honored to
be an endorsed member of CBA of GA. All members receive
deeply discounted pricing, next day delivery and can use
state-of-the art technology to place their orders. Each
program is custom designed for each bank. Let Staples help provide you with office
supplies, business cards, printing, advertising specialties, janitorial products as well
as bank specific products. Contact Janet Cook at 770-454-0663 or
janet.cook@staples.com.
A Message
from the CEO
Dear Colleague:
On behalf of the CBA Board of
Directors, I invite you to review a
great lineup of Endorsed Member
Companies from Community
Bankers Association of Georgia. Each endorsed vendor
provides superior products and customer service at
significant discounts to each member bank. Every
Endorsed Member Company is placed through a
rigorous due diligence process by the CBA team and
our Member Services Committee, involving a thorough
review of financial stability, representation, references
and proposed member discounts. Each company is put
head-to-head with its competitors in a detailed review
process. After receiving a recommendation from the
Member Services Committee, the CBA Board reviews
the proposal for final approval. This process ensures
each endorsed company will provide quality products
and services in their category. We recommend these
vendors to our member banks. By looking to CBA first,
your institution can save time, money and enjoy peace
of mind.
President & Chief Executive Officer
Community Bankers Association of Georgia
SAVE MONEY Many Endorsed Member Companies offer
special pricing to CBA members, which equates to real-dollar savings.
Travelers | Insurance/D&O/ Bond
Program
Travelers supports community banks through
its Travelers SelectOne® insurance program offering coverage options to address a
variety of exposures. This flexible product line includes crime (financial institution
bond), directors and officers liability, bankers professional liability and a variety of
e-business and property/casualty exposures. With more than 100 years of experience
serving financial institutions, Travelers is in-synch with your community banks’
insurance needs. Contact Diana Baker at 678-317-7882 or dcbaker@travelers.com.
Triad Financial Services, Inc.
Consumer Loan Program
Triad Financial Services, Inc. provides banks with
high quality, high yield secured consumer loans.
Triad’s proven indirect lending business model
allows banks to grow and diversify their loan portfolio with no FTE requirement and
minimal risk. With an exceptional yield, high FICO scores and built-in cash reserves, a
Triad loan portfolio is the best performing, most secure and profitable asset in today’s
market. Contact Keith Stayer at 800-522-2013 ext.1203 or
kstayer@triadfs.com.
UPS | Overnight Delivery Program
Save up to 30% on UPS shipping thanks to CBA of GA! CBA
of GA members can save up to 30% off UPS Express air and
international shipments. That’s a significant savings over
FedEx published rates! All this with the peace of mind that
comes from using the carrier that delivers outstanding reliability, greater speed, more
service, and innovative technology. UPS guarantees delivery of more packages around
the world than anyone, and delivers more packages overnight on time in the US than
any other carrier. To enroll, call 1-800-325-7000, or visit www.savewithups.com/
cbaga. Contact Monica Sterk at 864-213-8968 or msterk@ups.com.
William Mills Agency | Public Relations
& Marketing
William Mills Agency is the nation’s largest public
relations and marketing firm serving the financial
industry. The company’s experience and deep
understanding of the banking industry helps shape communications for banks and
bank vendors. Contact William Mills at 678-781-7200 or william@williammills.com.
Promontory Interfinancial
Network, LLC*| Bank
Assetpoint®/Insured Cash
Sweep®, or ICS®
Promontory provides smart solutions that help banks to compete. Bank Assetpoint
is a website that helps financial institutions make efficient connections and
facilitates the sharing of information regarding the purchase and sale of bank
assets. Promontory’s ICS enables banks to build strong, profitable, million-dollar
relationships; manage their balance sheets; purchase cost-effective funding; and,
ultimately, improve their bottom lines. Learn more at www.promnetwork.com, or
contact Danny Capitel at 866-776-6426, ext. 3476 or dcapitel@promnetwork.com.
*Cooperative Marketing Alliance
Enhance your revenue.
Improve your bottom line.
IT ALL ADDS UP...
When it’s time to research new service
providers or rethink current ones,
your first call should be to CBA of Georgia.
Community Bankers Association of Georgia
1900 The Exchange, Suite 600, Atlanta, GA 30339
Phone: 770-541-4490 | 800-648-8215
Fax: 770-541-4496 | www.cbaofga.com
SAVE TIME Narrow your search for vendors quickly by taking
a look at the vendors who have already earned the seal of approval
from CBA members.
MAKE MONEY Explore the revenue-enhancement
opportunities with various vendors and improve your bottom line.
11-15
ACG | Refurbished ATMs/ Currency Counting
Since 1986, ACG has been a global leader in providing
comprehensive business solutions to the financial industry,
including refurbished ATMs, branch equipment, marketing
innovations, and field service/maintenance. ACG has three
banking products that are fully endorsed by the CBA: 1) Refurbished ATMs, 2)
Magner Self-Service Coin Centers, 3) Tellermate Cash Counters. These products will
help branches increase branding and efficiency, while reducing operational costs.
Contact Phil Winn at 770-442-9800 or phil@acg.us.com.
ATM Response | ATM Service & Cash
Logistics
ATM Response is an armored car company providing
custom cash logistics and ATM maintenance solutions for Financial Institutions
throughout the southeast. Founded in 1982 and based in Suwanee, Georgia,
ATM Response offers a wide range of service offerings including Cash Delivery
from the Federal Reserve, ATM Maintenance Programs and ATM Balancing and
Replenishment. ATM Response – Safe. Secure. Reliable. Contact James Pack Jr., Vice
President at (770) 744-1795 or jpack@atmresponse.com.
Bahr Consultants, Inc
Insurance Review
Bahr Consultants, Inc. is a “fee only” risk management and insurance consulting
firm that specializes in analysis of financial institutions insurance exposures. The
focus is on the Financial Institution Bond, Directors & Officers Liability, Cyber Liability,
Bankers Professional Liability and Property/Casualty insurance exposures for banks.
Founded by W.H. (Hank) Bahr in 1988, Bahr Consultants conducts research and
completes the documentation needed to obtain competitive pricing and ensure
proper insurance coverage. Visit www.bahrconsultantsinc.com or contact Hank
Bahr at hank@bahrconsultantsinc.com or 865-694-6098.
Banc Consulting Partners | Executive
Benefits/BOLI
With nearly three decades of best practice experience, Banc Consulting
Partners (BCP) has become the leader in the design, analysis, and ongoing
administration of bank-owned life insurance (BOLI) and executive benefit
programs. BCP’s consultative approach has helped more than 500 community
banks develop BOLI portfolios that increase net interest margins, finance the cost of
employee benefit programs and align executive performance with shareholder
interest. Banc Consulting Partners is a national firm, headquartered in Kennesaw, GA.
A team of technical specialists will help you develop and maintain BOLI
and executive benefit strategies. Contact Brian Miller at 770-485-8559 or Bill
Cunningham at 205-968-3255.
BankersEdge | Online/DVD
Training Program
Since our inception in 1997, we’ve prepared hundreds of banks for regulatory
change. Over the years, we’ve developed an industry-leading online learning library
comprised of over 300 courses which include lending, deposit and transaction
compliance, retail, retirement, commercial and consumer lending, customer
service, sales, leadership and diversity compliance. Experience attentive service
and enjoy proven online training and powerful learning technology that costs less
than the competition. Contact Nora Ebersbach at 314-542-6493 or nebersbach@
bankersedge.com for exclusive member pricing.
BankSmartSM | Vendor Renewal
& Evaluation Services
BankSmart’s team has extensive experience assisting community banks with the
process of evaluating and negotiating the renewal of current data processor
relationships and/or evaluating new processing alternatives. We have hands-on
knowledge of the vendor capabilities in the market and an unparalleled ability to
perform “apples-to-apples” pricing comparisons. We negotiate the best possible
pricing for your bank. BankSmart offers “SmartKit” tools that give banks the ability
to manage their own bank and branch acquisitions, failed bank assumptions, data
processing conversions, and new branch openings for less than traditional full service
consulting. Visit www.BankSmart.com or contact Jim Wilkson at 813-774-8000
or JWilkson@BankSmart.com.
Bank Trends | Peer Analysis
Bank Trends is a web-based tool that helps
community bank executives track financial ratio
trends, analyze performance against peers, and identify opportunities to increase margins
and improve profitability. When it comes to analyzing Call Report data at your bank, “every
bank president should have Bank Trends!” For more information, visit www.bank-trends.
com, or contact Michael Stinson at 877-717-6743 or michael@bank-trends.com. CBA
members receive a 10% subscription discount!
BASYS Processing | Merchant Services
Processing
BASYS provides the Merchant Services program that
banks have always been looking for. Not only bringing personalization back to the
merchant processing experience, BASYS will customize a program to fit exactly what your
financial institution needs while increasing your non-fee income. BASYS works with over
1,200 banking locations across the country, with unprecedented 99% bank and 95%
merchant retention rates. We have special pricing programs for CBA of GA members. Visit
www.basyspro.com, or Brady Hanna at bhanna@basyspro.com or 913-660-6777.
CBIZ Benefits & Insurance Services
Employee Benefits & Business Insurance
Our mission is simple: to help you grow your business by working with you
to develop a successful employee benefits strategy. We do this by providing
you with CBIZ’s local benefits services, complemented
by our national practice strength and expertise. CBIZ utilizes strategic
planning, technology, effective communication and proactive services to design a benefits
strategy that fits your employees’ needs, as well as your organization’s financial goals.
Contact Todd Gordon at 770-858-4801 or todd.gordon@cbiz.com.
and Correspondent lending options, contract processing, free training, as well as free
access to loan origination, compliance and automated underwriting systems. Crescent
will help you increase your profit and reduce your risk in mortgage lending. Community
banks choose wisely. Community banks choose Crescent Mortgage Company. Visit www.
crescentmortgage.com or contact Ashli Matson, Georgia Community Bank Account
Executive at 770-714-5417 or amatson@crescentmortgage.net.
Dell SecureWorks | Managed Internet
Security Program
Dell Inc. (NASDAQ: DELL) listens to customers and
delivers innovative technology and services that give
them the power to do more. Recognized as an industry leader by top analysts, Dell
SecureWorks provides world-class information security services to help organizations of
all sizes protect their IT assets, comply with regulations and reduce security costs. Visit
www.dell.com/secureworks or contact Jamie Kirkland at 404-486-4481.
Dell | Computer Equipment
Save up to 35% with ICBA/Dell partnership. All CBA
members and their employees can take advantage of
preferred pricing on workstations, laptops, ultrabooks, desktops, servers, printers, electronics and
accessories. Call 1-800-757-8442 and use the ICBA’s Member ID number: 141351622. For more
information, visit www.dell.com/icba.
The Eversole Group, LLC | Marketing
Program
The Eversole Group, LLC provides custom-created
advertising and marketing solutions for community
banks. Uniquely, its free structure provides for a low, fixed fee based on your bank’s
needs, as it delivers community bank marketing expertise in a prompt fashion. Contact
Craig Eversole at 601-977-5225 or craig@theeversolegroup.com.
Executive Insurance Agency,
Inc. | VSI Program
Continuity is a Compliance Management System for community banks and credit unions.
Engineered to reduce the time, cost and risk impacts of regulation, this unified system
automates the entire regulatory lifecycle — managing regulatory updates, policies,
procedures, risks, vendors, audits, business continuity, exam preparation, compliance
strategy and planning. Visit www.continuity.net or contact Marnie Keller at (866) 6315556, x 309.
Executive Insurance Agency provides a
“blanket” single interest protection,
underwritten by CNL/Insurance America, for your consumer installment loan portfolio.
Banks may select any number of variations of a comprehensive basic plan, which provide
protection on their collateralized installment loan portfolio. Key areas of coverage are: All
Risk Physical Damage, Non-Filing and Skip, as well as Damage Occurring after
Repossession. A unique “GAP” feature can also be included. We provide excellent rates
and service you can rely on. Contact Randy Sower at 770-474-2355 or info@
executiveinsuranceagency.com.
Computer Services, Inc. (CSI)
CSI SecureConnect for Directors/Employees
First Data | First Data Online & Mobile
Banking
Continuity | Compliance
Management System
CSI SecureConnect provides dynamic tools to bankers that
increase efficiency and ensure the secure delivery of confidential documents. Financial
institutions nationwide rely on SecureConnect as a corporate communications tool for
boards of directors, employees, loan committees and other audiences. The solution allows
institutions to enhance productivity and reduce operational costs. SecureConnect combines
powerful communication tools and productivity applications into a single portal which
includes time clock, vacation manager, e-forms, policy manager, task manager, remote
access and more. SecureConnect requires no additional hardware, software or staff to
maintain and little end-user training. Visit www.csiweb.com or contact Craig Leppart at
associations@csiweb.com or 800.545.4274.
Crescent Mortgage | Secondary Market
Mortgage Services
Founded in 1993, Crescent Mortgage has always been the premier provider of secondary
mortgage offerings for Community Banks. As a Community Bank owned, top 25 national
wholesale and correspondent lender, we are “totally committed to daily exceeding the
expectations of our customers’”. Loan products include Fannie Mae, Freddie Mac, FHA, VA,
USDA, Jumbo and one time close construction to permanent financing. We offer Wholesale
Online banking from First Data provides tools for
consumers and businesses that attract and retain valuable customer segments through
a single platform. Products that include retail and commercial cash management, online
bill payment, multi-layered security and innovative mobile banking help financial
institutions meet the increasing “anytime, anywhere” expectations of today’s consumers.
Mobile Banking includes text, web, and downloadable apps to give your customers the
flexibility to access their accounts from any device including their iPad. Contact Rodrigo
Cazares at 512-627-5343 or rodrigo.cazares@firstdata.com.
FIS | Surcharge – Free ATM Network
The SUM Surcharge-free ATM Network allows your
bank’s customers to save time and money by offering
surcharge-free access to thousands of ATMs around the country. If your bank is a
SUM Program member, your customers can use any SUM ATM without paying a
surcharge. The consumer benefits of the SUM Program are immediate and easy to
access. Customer advantages include access to thousands of surcharge-free ATMs,
regardless of how many ATMs your financial institution operates and no surcharges
for withdrawing cash when using SUM ATMs. Contact Susan Haines at 770-2098484 or susan.haines@FISglobal.com.
FIS | Credit/Debit Card Program
FIS provides a comprehensive range of credit card services for
financial institutions. With our complete outsourcing
program and your choice between two of the largest
processors, you can own your own program without the back-room issues. You hold
the receivables, determine credit approval, individual credit lines, merchant discount
income, and any applicable fees. Experienced support staff guide you through Visa
and Mastercard license application, card design, and program set up. F Contact Susan
Haines at 770-209-8484 or susan.haines@fisglobal.com.
Harland Clarke | Check
Program
Harland Clarke is not just a ‘check
printer,’ but also has solutions and services to create and enhance new and existing
customer relationships! Since Clarke American and Harland joined forces a year ago,
Harland Clarke has emerged as a new and innovative company. Harland Clarke has
successfully launched new and enhanced products and services designed to support
the unique needs of financial institutions. Our mission to greater success is driven by
an offering of dynamic payment, marketing, and technology solutions, which are
designed to help banks achieve performance excellence and grow deposits, while
acquiring and engaging customers to build long-term profitable relationships.
Contact Ryan Busenitz at 678-595-0625 or ryan.busenitz@harlandclarke.com.
ICBA Securities | Investment Services
ICBA Securities provides community bankers with
quality investment products, services and education,
including bond trade execution, deposit gathering,
bond accounting and safekeeping, transaction analysis, Performance Profiles, and
research assistance. Hundreds of community banks manage their A/L via our
proprietary Risk Manager product. Through Vining Sparks Interest Rate Products, we
offer hedging strategies to offset rate risk exposures. The Community Bank Advisory
Group provides M&A assistance and bank valuation services. Contact Jim Reber at
901-762-5884 or jreber@icbasecurities.com.
Investment Professionals,
Inc. (IPI) | In-Bank Retail
Investment Services
Since their inception in 1992, IPI has assisted hundreds of community banks in establishing and operating profitable Retail Bank Brokerage services. An onsite investment
program provides a valuable service to customers and generates non-interest income,
while also retaining and attracting customer relationships, positioning the bank
to compete with other banks, brokerage firms, insurance companies and financial
planners in the community. From program structure guidance to recruiting, office
set-up and compliance, IPI has detailed processes to efficiently guide your bank in the
establishment and maintenance of a successful investment program. Contact Steven
Ransdell at 501-410-4445 or steven.ransdell@invpro.com.
Kasasa® by BancVue | Financial
Technology and Marketing Services
Kasasa® by BancVue® is the innovative leader in
branded, community-powered banking products
proven to drive profit and growth for community
financial institutions. Their flagship Kasasa® suite provides a comprehensive strategy
that integrates breakthrough products with world-class marketing and
unprecedented access to training, compliance, research, support resources and
customized consulting. The full-circle Kasasa solution gives local banks the power and
resources of a national product brand while maintaining their identity and service
advantage. The Kasasa program provides value and rewards for your members while
generating revenue and reducing costs for your bank. With nearly 700 clients,
BancVue is helping community financial institutions thrive and stay ahead of the
evolving industry landscape. Visit www.kasasa.com, or contact Grant Armistead, Vice
President, Regional Director at (704) 553-0700 or Grant.Armistead@BancVue.com.