Products and Services Endorsed by the Tennessee Bankers Association
When evaluating products and services for use at your bank, look for the TBA Endorsed seal. This seal designates companies that are officially endorsed by the Tennessee Bankers Association. These respected companies have strong relationships with many TBA member banks and have a proven record of success in the Tennessee banking industry.
Affinion Group
Affinion’s innovative Customer Appreciation Program, which was among the first of its kind to be endorsed by the American Bankers Association, gives TBA members a way to thank their customers with a no-cost gift of $1,000 in accidental death and dismemberment insurance. Consumers have the option of purchasing additional coverage at low group rates. There are no financial risks to the banks and Affinion Group offers a complete turnkey operation. It absorbs all marketing costs and handles list management, production and mailing, enrollment and fulfillment, member service, and facilitation of claims. The program is easy to implement and requires virtually no effort from your staff. Affinion Group has more than 35 years of experience working with financial institutions, and it insures more than 65 million people through the Customer Appreciation Program.
Contact: Kevin Taratoot
Business Development Executive
Affinion Benefits Group
400 Duke Drive
Franklin, TN 37067-2700
(800) 251-0006 or (615) 764-2174
Fax: (615) 764-5174
E-mail: kevin.taratoot@affiniongroup.com www.affiniongroup.com
BancInsure
Endorsed by the TBA and 17 other state bankers organizations, BancInsure is one of the most recognized and recommended insurers of financial institutions in the market. Rated “A-Excellent” by AM Best, it offers dependable, responsive, and competitive insurance products primarily for and through banks. BancInsure’s lineup includes financial institution bond, directors’ and officers’ liability, property and casualty insurance, workers’ compensation, and umbrella liability policies. It also offers specialty and miscellaneous coverages, such as excess deposit insurance bond, and a menu of credit-related insurance products and services provided by Matterhorn Financial Services, Inc. With more than 2,000 customers, BancInsure has relationships with approximately 20 percent of the country’s community banks.
David Shoemaker of Clark Consulting is an expert in the bank-owned life insurance (BOLI) marketplace, with expertise in general account, separate account, and hybrid separate account products from approximately 20 of the nation's top carriers. In addition, he has more than 20 years of benefit experience and can help design and implement a program that reflects your bank's philosophy and long-term objectives. Since 1995, David Shoemaker's consultative approach has benefited Tennessee financial institutions and their shareholders. David Shoemaker can assist in the design of: bank-owned life insurance (BOLI) placement and administration; BOLI program reviews and optimization recommendations; BOLI risk-weighting alternatives; executive and director benefit planning, including long-term care; executive and director benefit plan administration. David Shoemaker is a registered representative and securities products and services are offered through Clark Securities, Inc, DBA CCFS, Inc, in Texas, 2100 Ross Ave, Ste 2200, Dallas, TX 75201-7906. Phone 800-999-3125; Member FINRA and SIPC
The wholly owned insurance agency of TBA, Financial Products and Services, Inc. (Financial PSI) offers insurance coverage and employee benefit plans specifically tailored for Tennessee banks. A board of directors composed of TBA members and executives provides oversight for Financial PSI. Its returns to the association helps TBA offer high-quality services and programs to members while keeping dues among the lowest of any state bankers association in the country. Financial PSI products and services include: group medical and life insurance, disability insurance, 401(k) plans, supplemental retirement and survivor benefits for key employees and directors, long-term care insurance, estate planning and consultation, seminar programs for bank customers, and business continuation programs. Financial PSI can also partner with banks to create an insurance sales center which helps increase noninterest revenue for your institution.
Harland Clarke provides TBA members with a full line of personal/commercial check products designed to improve profitability while reducing operating costs. Harland Clarke also helps you tap the unrealized potential of your customer relationships. We do this with our unique industry knowledge and by focusing on your business. We offer a broad suite of world-class solutions that increase both customer lifetime value and customer engagement.
ICBA Bancard/TCM Bank provides community banks access to comprehensive and competitive electronic payment solutions, including credit card issuing, debit/ATM card programs for both consumers and small businesses. In addition, Bancard offers an exclusive fraud loss protection program, training and education, and robust customizable marketing solutions. Competitive credit card portfolio valuation, consultation, and purchase options are also available.
Contact: Client Relations
ICBA Services Network
1615 L Street, NW, Suite 900
Washington, DC 20036-5623
(800) 242-4770
E-mail: bancard@icba.org www.icbabancard.com
ICBA Mortgage
ICBA Mortgage offers servicing released and retained secondary mortgage loan solutions designed exclusively for community banks. All programs are designed to help community banks retain customers, develop a solid revenue stream, and remain competitive. ICBA Mortgage supports participating banks with exceptional training and education in addition to a selection of customizable consumer marketing solutions. Direct selling to Fannie/Freddie and reverse mortgage programs are also available.
Contact: Elizabeth Deal
ICBA Services Network
1615 L Street, NW, Suite 900
Washington, DC 20036-5623
(800) 242-4770
E-mail: mortgage@icba.org www.icbamortgage.com
Investors Title Insurance Company
In the last 35 years, Investors Title Insurance Company (ITIC) has put more than 500 financial institutions in the business of selling title insurance through lender-owned agencies. Designed to generate noninterest fee income for participating owners, this program has generated over $210 million in commissions for lender-owned agencies and profits in excess of $80 million for their member banks. Since 1999, Tennessee bank-owned agencies have sold $35 million in title insurance, resulting in $6 million in cash dividends to the owner banks. Based in Chapel Hill, NC, ITIC is a wholly owned subsidiary of Investors Title Company, which is traded publicly on NASDAQ. Investors Title’s operations include 27 branch offices and a network of agents in 27 states and the District of Columbia. The company specializes in residential and commercial title insurance, 1031 exchanges, reverse exchanges, settlement services, title agency management services, and trust and capital management services.
Office Depot, founded in 1986, is the world’s leading seller of office supplies and an industry leader in every distribution channel — from retail stores and contract delivery to catalogs and e-commerce. As an Office Depot customer, you will have access to Office Depot’s exclusive Business Services Division website, strategic brand name partnerships, multi-billion dollar buying power, and ease in economizing your bank’s operations. Enjoy customer service from Office Depot that is unmatched in the industry. In addition to office supplies, TBA’s Office Depot program includes office furniture; design, print, and copy services; custom business forms; stationery supplies; promotional products; lunch room and janitorial supplies; and technology products. Current participants in the program have experienced an average savings of 40 percent over their prior office product costs.
The Senior Crimestoppers program, administered by the Memphis-based Senior Housing Crime Prevention Foundation, gives banks an opportunity to play an important role in reducing crime against senior citizens. Through an investment or loan to the foundation, banks build good will in the community and can earn higher than normal yields while receiving Community Reinvestment Act credits. All of the federal banking regulatory agencies support the SHCPF and grant CRA credit in a consistent manner for participating banks. The foundation uses a portion of the yield from CRA- designated investments and loans to establish the Senior Crimestoppers program at nursing homes and housing units that serve low- and moderate-income residents in the banks’ direct assessment areas. Senior Crimestoppers is a coordinated set of components that work together to create a zero tolerance-to-crime platform in senior housing facilities. Components include personal lockboxes for the residents, cash rewards up to $1,000 paid anonymously for information about wrongdoing of any kind, and effective, on-going education and training for staff members and residents. Senior Crimestoppers is in operation in more than 4,000 nursing home facilities in 45 states and has reduced all aspects of crime in participating facilities by a certified 92.76 percent. Since its inception in 1995, Senior Crimestoppers has reduced crime at participating Tennessee nursing homes by 95.81 percent through December 31, 2009.
Southeast Community Capital (SCC) is Tennessee’s leading community development financial institution, providing loans and technical assistance to small businesses in urban and rural communities throughout the state. Headquartered in Nashville and with satellite offices in Jackson, Knoxville, and Tri–Cities (Kingsport), SCC provides a variety of products and services including term debt, lines-of-credit, and purchase-order facilities to help small businesses grow and succeed. By providing investments or loans to SCC, banks are able to partner in efforts to strengthen their communities and receive franchise and excise tax credits from the State of Tennessee and Community Reinvestment Act loan or investment test credit from their regulatory agency.
In business since 1976, Strunk and Associates, LP, is a financial institution advisory service recognized nationally for its innovative design, development, and implementation of the original “Overdraft Privilege Service Program,” for the financial institution community. The firm’s reputation is built on more than three decades of providing expert, objective, unbiased, and independent advisory service to thousands of financial institutions. For the past decade, our resources have been dedicated to the development of our Overdraft Privilege Service Program. Strunk and Associates, LP, currently serves nearly 2,000 Overdraft Privilege Service clients throughout the Unites States and the Caribbean. For more information about Overdraft Privilege check our website at www.strunklp.com or give us a call at 800-728-3116.
Contact: Rick Ivey
14614 Falling Creek Drive, Suite 110
Houston, TX 77062-2942
(800) 728-3116
E-mail: rivey@strunklp.com www.strunklp.com
Thumbprint Signature Program
The TBA’s Thumbprint Signature Program, which has been praised by law enforcement officials and embraced by many Tennessee banks, offers an easy and inexpensive way to deter check fraud without inconveniencing customers. Here’s how it works: When nonaccount holders ask to cash a check at a participating bank, they must place an impression of their thumbprint on the face of the check. A small “inkless” touch pad is used, which leaves a clear black print that disappears from the thumb with slight rubbing. The procedure is quick, simple and clean. Criminals foolish enough to put their thumbprints on bogus checks leave a positive ID that can be turned over to law enforcement officials. The program has been used as evidence in many cases and has assisted in the follow-up investigation of burglaries, thefts, and crimes other than forgeries.
and Affinion Group offers a complete turnkey operation. It absorbs all marketing costs and handles list management, production and mailing, enrollment and fulfillment, member service, and facilitation of claims. The program is easy to implement and requires virtually no effort from your staff. Affinion Group has more than 35 years of experience working with financial institutions, and it insures more than 65 million people through the Customer Appreciation Program.
products primarily for and through banks. BancInsure’s lineup includes financial institution bond, directors’ and officers’ liability, property and casualty insurance, workers’ compensation, and umbrella liability policies. It also offers specialty and miscellaneous coverages, such as excess deposit insurance bond, and a menu of credit-related insurance products and services provided by Matterhorn Financial Services, Inc. With more than 2,000 customers, BancInsure has relationships with approximately 20 percent of the country’s community banks.
keeping dues among the lowest of any state bankers association in the country. Financial PSI products and services include: group medical and life insurance, disability insurance, 401(k) plans, supplemental retirement and survivor benefits for key employees and directors, long-term care insurance, estate planning and consultation, seminar programs for bank customers, and business continuation programs. Financial PSI can also partner with banks to create an insurance sales center which helps increase noninterest revenue for your institution. 
unique industry knowledge and by focusing on your business. We offer a broad suite of world-class solutions that increase both customer lifetime value and customer engagement.
loss protection program, training and education, and robust customizable marketing solutions. Competitive credit card portfolio valuation, consultation, and purchase options are also available.
Mortgage supports participating banks with exceptional training and education in addition to a selection of customizable consumer marketing solutions. Direct selling to Fannie/Freddie and reverse mortgage programs are also available.
Since 1999, Tennessee bank-owned agencies have sold $35 million in title insurance, resulting in $6 million in cash dividends to the owner banks. Based in Chapel Hill, NC, ITIC is a wholly owned subsidiary of Investors Title Company, which is traded publicly on NASDAQ. Investors Title’s operations include 27 branch offices and a network of agents in 27 states and the District of Columbia. The company specializes in residential and commercial title insurance, 1031 exchanges, reverse exchanges, settlement services, title agency management services, and trust and capital management services. 
supplies, TBA’s Office Depot program includes office furniture; design, print, and copy services; custom business forms; stationery supplies; promotional products; lunch room and janitorial supplies; and technology products. Current participants in the program have experienced an average savings of 40 percent over their prior office product costs.
check. A small “inkless” touch pad is used, which leaves a clear black print that disappears from the thumb with slight rubbing. The procedure is quick, simple and clean. Criminals foolish enough to put their thumbprints on bogus checks leave a positive ID that can be turned over to law enforcement officials. The program has been used as evidence in many cases and has assisted in the follow-up investigation of burglaries, thefts, and crimes other than forgeries.