ICBA INDEPENDENT COMMUNITY BANKERS OF AMERICA

BANKING SERVICES * PROVIDED TO MEMBER BANKS *; PROVIDING FINANCIAL SERVICES TO MEMBER BANKS IN THE AREAS OF LOANS, CREDIT CARDS AND INVESTMENTS; OFFERING MEMBER BANKS ACCESS TO LIFE, DISABILITY, AND CREDIT INSURANCE PROGRAMS WHICH MEMBER BANKS CAN THEN OFFER TO CUSTOMERS; AND FINANCIAL ANALYSIS AND CONSULTATION IN THE AREAS OF ASSISTING MEMBER BANKS IN FINANCIAL MANAGEMENT