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

SecureWorks | Managed Internet Security Program Recognized as an industry leader by top analysts, 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.secureworks.com or contact Dave Walker at 404-417-4651 or dwalker@secureworks.com.

S&P Global Market IntelligenceFinancial Data (Formerly SNL Financial) At S&P Global Market Intelligence, we integrate financial and industry data, research and news into tools that help track performance, generate alpha, identify investment ideas, understand competitive and industry dynamics, perform valuation and assess credit risk. For community banks, we offer solutions to help bankers evaluate market opportunities, manage risk and maximize performance. For more information, visit www.spglobal.com/marketintelligence; contact Mark Nelson at 770-794-9003 or Mark.Nelson@spglobal.com.

Staples | Office Supply Program Staples Business Advantage, the business-to-business division of Staples, is honored to be an endorsed member of CBA of GA. All members have access to easy online ordering through StaplesAdvantage.com, deep discounts, and fast and free delivery on supplies. Programs are custom designed for each bank and offer office supplies, business cards, printing, advertising specialties, janitorial products as well as bank-specific items. Contact Janet Cook at 770-454-0663 or janet.cook@staples.com.

Travelers | Insurance/D&O/ Bond Program Travelers Knows Financial Institutions. With dedicated policies for financial institutions, Travelers offers a range of insurance protection, including D&O, cyber, professional liability, financial institution bonds, ID fraud expense reimbursement and a full portfolio of property/casualty coverages. Choose either standalone coverage or a suite of coverages. Travelers has the flexibility to adapt to you and your business. 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. 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.

UtiliComm Solutions | Telecommunications UtiliComm Solutions helps community banks improve their communications and enhance customer service while streamlining operations. Our end-to-end, customer-focused services include consulting, design, implementation and ongoing support. Our trained and certified staff provides a single expert source for all your voice and data communications needs. Visit http://www.utilicomm.com/utilicomm-is-proud-to-serve-the-community-bankers-association-of-georgia or contact Mark Tressler at mtressler@utilicomm.com or 678-965-2256.

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® Chosen by more than 3,000 financial institutions nationwide, Promontory Interfinancial Network is the leading provider of FDIC-insured deposit placement services. Banks can use the company’s solutions—Insured Cash Sweep, or ICS; CDARS; Promnet Reverse Repo; IND; Yankee Sweep; Bank Assetpoint; and Residential Mortgage Network—to build multi-million-dollar relationships, reduce collateral requirements, purchase funding, manage liquidity, and buy or sell loans. Visit promnetwork.com to find out how Promontory Network can help your bank to manage its balance sheet more profitably. Learn more at www.promnetwork.com, or contact Danny Capitel at 866-776-6426, ext. 3476 or dcapitel@promnetwork.com.

Limits, other terms, and conditions apply. Insured Cash Sweep, ICS, and Bank Assetpoint are registered service marks of Promontory Interfinancial Network, LLC.

*Cooperative Marketing Alliance

Community Bankers Association of Georgia1900 The Exchange, Suite 600, Atlanta, GA 30339

Phone: 770-541-4490 | 800-648-8215 Fax: 770-541-4496 | www.cbaofga.com

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a message from the ceo

Enhance your revenue.Improve your bottom line.

When it’s time to research new service providers or rethink current ones, your first call should be to CBA of Georgia.

it all adds up

SAVE MONEY Many Endorsed Member Companies offer special pricing to CBA members, which equates to real-dollar savings.

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.

ENDORSED MEMBER COMPANY

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 ProcessingBASYS 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 InsuranceOur 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.

Computer Services, Inc. (CSI) | CSI SecureConnect 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 Jonathan Chandler at jonathan.chandler@csiweb.com or 803.318.4127.

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.winn@acgworld.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 Tony Webb at (770) 744-1795 or twebb@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.

The Baker Group | Portfolio Management & Asset/Liability StrategiesFor over 40 years, The Baker Group has been a leader in the development of asset/liability management tools, investment portfolio strategies, board and management education, interest rate risk and balance sheet management for community banks. Contact Paul Clanton at 405.415.7337, pclanton@gobaker.com or visit www.gobaker.com.

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 finance the cost of employee benefit programs and increase shareholder value. Banc Consulting Partners is a national firm wuth a deep team of technical experts that can help you develop and maintain BOLI and executive benefit programs. Contact Brian Miller at 770-485-8559 or bmiller@yourbankpartner.com.

OnCourse Learning/BankersEdge | Online/DVD Training Program OnCourse Learning, formerly BankersEdge, provides CBA of Georgia members a comprehensive selection of online training courses designed to ensure that employees are remaining compliant and receiving the most up-to-date and accurate training in the industry. The breadth of the courses supports regulatory compliance, lending training, professional skills, and more. With over 550 courses and growing, OnCourse Learning is the source for convenient and user-friendly training for CBAG members. Contact Nora Ebersbach at nebersbach@oncourselearning.com or (314) 542 - 6493 or visit www.oncourselearning.com.

Crescent Mortgage | SecondaryMarket Mortgage Services Since 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 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. Visit www.crescentmortgage.com or contact Ashli Matson, Georgia Community Bank Account Executive at 770-714-5417 or amatson@crescentmortgage.net.

Dell | Computer EquipmentSave 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 ProgramThe 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 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 Ryan Sower at 770-474-2355 or ryan@executiveinsuranceagency.com.

First Data | Online & Mobile Banking 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 Richard Roscher at 678-360-0612 or Richard.roscher@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. Contact Susan Haines at 770-209-8484 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 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. 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.

Investment Professionals, Inc. (IPI) | In-Bank Retail Investment ServicesSince 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 Jake Pollard at 256-543-6120 or jake.pollard@invpro.com.

Kasasa® | FinancialTechnology and Marketing Services Kasasa® is the innovative leader in branded, community-powered banking products proven to drive profit and growth for community financial institutions. With unprecedented access to training, compliance, research, support resources and customized consulting, Kasasa’s flagship suite provides a research-based strategy leveraging the power of a branded relationship platform. Kasasa is making community financial institutions the topic of conversation for happy consumers nationwide. For more information, please visit www.kasasa.com or visit them on Twitter @Kasasa, Facebook, or LinkedIn. Contact Jordan Baltazor, VP, Regional Director, at 512-349-4475 or Jordan.Baltazor@kasasa.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 Alex Jernigan at 229-861-3802 or jjernig@shazam.net.