An example of my short-form copy as used in ICBA's national ad campaign for their product and services portfolio.

1. Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

2. Out-Pace the Competition
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
4Bank Securities
4Bill Payment
4Capital Markets Services
4Credit Cards
- Direct Issuer
- Total Card ManagementTM
- Card Portfolio Consultations
4Credit Life Reinsurance
4Debit Cards
4Debt Protection/Debt Cancellation
4ICBA Freddie Mac Alliance
4ICBA Fannie Mae Partnership
4Insurance
4Internet Banking
“In any race, you need an advantage.
4Internet Trading ICBA products and services prove my
4Investment Advisory Services
4Life Insurance
bank can win with the power and
4Long-Term Care Insurance
4Merchant Services
simplicity of a right size solution.”
4Mortgage Settlement Services
–Gregg J. Wagner
4Mortgage Solutions
President & Chief Executive Officer
4Mortgage Reinsurance
4Mutual Funds
The Harleysville National Bank and Trust Company – Harleysville, PA
4Remote Deposit
4Retirement plans ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

3. Out-Pace the Competition
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
4Bank Securities
4Bill Payment
4Capital Markets Services
4Credit Cards
- Direct Issuer
- Total Card ManagementTM
- Card Portfolio Consultations
4Credit Life Reinsurance
4Debit Cards
4Debt Protection/Debt Cancellation “We know many customers have big
4ICBA Freddie Mac Alliance
4ICBA Fannie Mae Partnership financial dreams. Whether those
4Insurance
4Internet Banking
dreams take them to Wall Street or
4Internet Trading Hollywood Boulevard—ICBA products
4Investment Advisory Services
4Life Insurance and services help us take them there
4Long-Term Care Insurance
4Merchant Services
with right size solutions.”
4Mortgage Settlement Services
4Mortgage Solutions
–Sid Dinsdale
4Mortgage Reinsurance
President & Chief Executive Office
4Mutual Funds Pinnacle Bank – Papillion NE
4Remote Deposit
4Retirement plans ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

4. Envision a Bright Future
“Size is subjective. With ICBA’s
products and services, the vision of
my bank’s future profitability and
growth is as bright as I want it to be.”
4Annuities
4Asset liability/portfolio assistance –Anthony S. Abbate
4ATM Driving
President & Chief Executive Officer
4Bank Securities
Interchange Bank – Saddle Brook, NJ
4Bill Payment
4Capital Markets Services
4Credit Cards ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
- Direct Issuer
- Total Card ManagementTM
- Card Portfolio Consultations
4Credit Life Reinsurance
4Debit Cards
4Debt Protection/Debt Cancellation
4ICBA Freddie Mac Alliance
4ICBA Fannie Mae Partnership
4Insurance
4Internet Banking
4Internet Trading
4Investment Advisory Services
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
4Mortgage Settlement Services
4Mortgage Solutions
4Mortgage Reinsurance
4Mutual Funds
4Remote Deposit
4Retirement plans
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

5. Envision a Bright Future
“You don’t need special connections
to get star treatment at our bank.
With ICBA products and services, we
can provide every customer with the
4Annuities
4Asset liability/portfolio assistance
financial tools they need to bank
4ATM Driving like a V.I.P.”
4Bank Securities
–Billy M. Bolton
4Bill Payment
President & Chief Executive Officer
4Capital Markets Services
4Credit Cards
Community Spirit Bank – Red Bay, AL
- Direct Issuer
ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
- Total Card ManagementTM
- Card Portfolio Consultations
4Credit Life Reinsurance
4Debit Cards
4Debt Protection/Debt Cancellation
4ICBA Freddie Mac Alliance
4ICBA Fannie Mae Partnership
4Insurance
4Internet Banking
4Internet Trading
4Investment Advisory Services
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
4Mortgage Settlement Services
4Mortgage Solutions
4Mortgage Reinsurance
4Mutual Funds
4Remote Deposit
4Retirement plans
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

6. Access Is Key
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
4Bank Securities
4Bill Payment
4Capital Markets Services
4Credit Cards
- Direct Issuer
- Total Card ManagementTM
- Card Portfolio Consultations
4Credit Life Reinsurance
4Debit Cards
4Debt Protection/Debt Cancellation
“All service lines require time and
4ICBA Freddie Mac Alliance
4ICBA Fannie Mae Partnership
4Insurance
4Internet Banking
commitment. ICBA products
4Internet Trading and services give us the support
and expertise to make them more
4Investment Advisory Services
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
effective with right size solutions,
4Mortgage Settlement Services right at our fingertips.”
4Mortgage Solutions
4Mortgage Reinsurance –Robert R. Hill, Jr.
4Mutual Funds
President & Chairman
4Remote Deposit
South Carolina Bank and Trust of the Piedmont – Columbia, SC
4Retirement plans
- Individual
- Small Business ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

7. Access Is Key
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
4Bank Securities
4Bill Payment
4Capital Markets Services
4Credit Cards
- Direct Issuer
- Total Card ManagementTM
- Card Portfolio Consultations
4Credit Life Reinsurance
4Debit Cards
4Debt Protection/Debt Cancellation
“We’ve learned success comes from
4ICBA Freddie Mac Alliance
4ICBA Fannie Mae Partnership
4Insurance
4Internet Banking
great customer relationships. ICBA
4Internet Trading products and services help us create
more relationship opportunities
4Investment Advisory Services
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
with right size solutions.”
4Mortgage Settlement Services
4Mortgage Solutions
–Joe David Cummins
4Mortgage Reinsurance
President
4Mutual Funds Southern Commercial Bank – St. Louis, MO
4Remote Deposit
4Retirement plans
- Individual
- Small Business ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

8. Sweetening The Deal
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
“It takes more than a checking
4Bank Securities account and a lollipop to keep a
4Bill Payment
4Capital Markets Services customer. ICBA products and
4Credit Cards
- Direct Issuer
services help me provide a full-service
- Total Card ManagementTM banking experience that keeps
customers coming back for more.”
- Card Portfolio Consultations
4Credit Life Reinsurance
4Debit Cards
4Debt Protection/Debt Cancellation –Thomas T. Hawker
4ICBA Freddie Mac Alliance President & Chief Executive Officer
4ICBA Fannie Mae Partnership County Bank – Merced, CA
4Insurance
4Internet Banking ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
4Internet Trading
4Investment Advisory Services
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
4Mortgage Settlement Services
4Mortgage Solutions
4Mortgage Reinsurance
4Mutual Funds
4Remote Deposit
4Retirement plans
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

9. Sweetening The Deal
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
“To make a full-service banking
4Bank Securities experience work, you have to over-
4Bill Payment
4Capital Markets Services deliver on value. Thanks to ICBA
4Credit Cards
- Direct Issuer
products and services, delivering that
- Total Card ManagementTM kind of value is as simple as a right
- Card Portfolio Consultations
4Credit Life Reinsurance size solution.”
4Debit Cards
4Debt Protection/Debt Cancellation –Kirk Dowdell
4ICBA Freddie Mac Alliance President & CEO
4ICBA Fannie Mae Partnership Western Sierra National Bank – Cameron Park, CA
4Insurance
4Internet Banking ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
4Internet Trading
4Investment Advisory Services
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
4Mortgage Settlement Services
4Mortgage Solutions
4Mortgage Reinsurance
4Mutual Funds
4Remote Deposit
4Retirement plans
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

10. When Every Win Counts
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
4Bank Securities
4Bill Payment
4Capital Markets Services
4Credit Cards
- Direct Issuer
- Total Card ManagementTM
- Card Portfolio Consultations
4Credit Life Reinsurance
4Debit Cards
4Debt Protection/Debt Cancellation
4ICBA Freddie Mac Alliance “With consumer financial needs
changing—service and marketing
4ICBA Fannie Mae Partnership
4Insurance
4Internet Banking
4Internet Trading
support is critical. ICBA products and
4Investment Advisory Services services bring within reach of our goals
and give us the tools to make every
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
4Mortgage Settlement Services
success count.”
–Stephen L. Stenehjem
4Mortgage Solutions
4Mortgage Reinsurance
President & CEO
4Mutual Funds
First International Bank & Trust – Watford City, ND
4Remote Deposit
4Retirement plans
ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

11. When Every Win Counts
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
4Bank Securities
4Bill Payment
4Capital Markets Services
4Credit Cards
- Direct Issuer
- Total Card ManagementTM
- Card Portfolio Consultations
4Credit Life Reinsurance
4Debit Cards
4Debt Protection/Debt Cancellation
4ICBA Freddie Mac Alliance “Par for the course may be fine for some,
but not for us. Because our customers
4ICBA Fannie Mae Partnership
4Insurance
4Internet Banking
4Internet Trading
expect more, we rely on ICBA products
4Investment Advisory Services and services to help us make every
relationship a hole in one.”
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
4Mortgage Settlement Services –Marvin Cosgray
4Mortgage Solutions President
4Mortgage Reinsurance The Buckhead Community Bank, N.A. – Atlanta, GA
4Mutual Funds
4Remote Deposit
4Retirement plans
ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

12. Protecting What’s Important
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
4Bank Securities
4Bill Payment
4Capital Markets Services “Why should there be a trade-off
4Credit Cards
- Direct Issuer
between customer access and security?
- Total Card ManagementTM
ICBA’s products and services help us
- Card Portfolio Consultations
4Credit Life Reinsurance provide the benefits of protection,
4Debit Cards
4Debt Protection/Debt Cancellation
without barriers to service.”
4ICBA Freddie Mac Alliance
4ICBA Fannie Mae Partnership –Arthur C. Markos
4Insurance President & CEO
4Internet Banking Gardiner Savings Institution, FSB – Gardiner, ME
4Internet Trading
4Investment Advisory Services
ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
4Mortgage Settlement Services
4Mortgage Solutions
4Mortgage Reinsurance
4Mutual Funds
4Remote Deposit
4Retirement plans
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA

13. Protecting What’s Important
4Annuities
4Asset liability/portfolio assistance
4ATM Driving
4Bank Securities
4Bill Payment
4Capital Markets Services “Security should be tough as well as
4Credit Cards
- Direct Issuer
customer friendly. ICBA products and
- Total Card ManagementTM
services help us strike a balance between
- Card Portfolio Consultations
4Credit Life Reinsurance customer protection and access with
4Debit Cards
4Debt Protection/Debt Cancellation
right size solutions.”
4ICBA Freddie Mac Alliance
4ICBA Fannie Mae Partnership Larry Thompson
4Insurance President
4Internet Banking Roundbank – Waseca, MN
4Internet Trading
4Investment Advisory Services
ICBA HAS RIGHT SIZE SOLUTIONS FOR ANY SIZE BANK
4Life Insurance
4Long-Term Care Insurance
4Merchant Services
4Mortgage Settlement Services
4Mortgage Solutions
4Mortgage Reinsurance
4Mutual Funds
4Remote Deposit
4Retirement plans
- Individual
- Small Business
- Corporate
4Reverse Mortgages
4Variable Insurance
INVESTMENTS | PAYMENTS | INSURANCE | LENDING The Nation’s Voice
for Community BanksSM
Call Today To Unlock Your Right Size Solution:
1-866-THE-ICBA
or visit www.ICBA.org Copyright©2005 by ICBA