procurement services with minimal time commitment and no upfront cost.

Details of APPI’s Energy Procurement Process:

• Discuss Member’s current status, develop a procurement strategy and a plan of action
• Retrieve, analyze, and review account information and usage data
• Formulate an electronic Request For Proposal (“RFP”)
• Submit RFPs to qualified competitive energy suppliers
• Utilize an online reverse auction platform, where applicable
• Process responses from suppliers to the RFPs and review responses with Member
• Process all documents and implement the Member’s energy service with the new supplier
• Provide ongoing consulting and account service to Member for the duration of the term of the agreement
• Monitor energy markets, suppliers, and prices and review information with Member

APPI’s mission and operating model are based on one premise: providing superior, independent consulting services that manage and decrease energy expenses. Visit APPI on the web at www.appienergy.com.

BITS is funded and owned by several bankers’ banks as well as community bank investors. Our services were designed to help community banks improve their efficiency ratios by reducing existing costs for all Voice, Data, Internet, Network Security, Core, and ATM circuits.

• Secure mobile or off-site document destruction
• Proof of Service Tracking using Bar Coding and Scanning Technology to assure accuracy
• Certificate of Destruction for a legal audit trail (chain of custody)
• Flexible, customized service options
• 100% recycled document destruction... leading the industry in environmental sustainability

Program Highlights

• Reduce your costs with our national account pricing structure
• Certified PCI Compliant and NAID AAA Certified - Your due diligence has been done
• Local flexibility with organizational scalability - onsite and offsite destruction options
• Superior service quality by the most customer-oriented vendor in the industry
• Streamline your operations with an organization-wide syndicated document destruction program
• Reduce your risk and document related exposure to breaches and compliance issues

Sign up today.

Equias Alliance, a trusted partner to America’s banking institutions, is comprised of several of the most experienced former independent consultants and top technical resources of Clark Consulting, including David Shoemaker and Jim Olson. Our strategies and practices enable clients to meet key financial goals, manage benefit liabilities, enhance shareholder value and attract and retain

their best people. We bring banks a comprehensive understanding of industry trends, given the changing landscape of compensation, benefits and investments. We provide expertise to banks with design and implementation of bank-owned life insurance (BOLI) portfolio strategies, BOLI program reviews, design of non qualified benefit plans, and administration of BOLI and non qualified benefit plans using our experienced technical resources and superior technology.

Financial Services, Inc. offers Director Access to MBA Member banks.  Director Access is a secure Internet portal that provides a convenient, online platform for board members and executives. Director Access connects you and your board to agendas, minutes, approvals, calendar, policies, and procedures.

Access timely and confidential documents anytime, anywhere. Optionally, Director Access tracks and archives user information, providing an audit trail for accountability and documentation in accordance with regulatory compliance requirements.

For more information on Financial Services, Inc. contact:
Patrick J. Schunke, President, at 201-652-6000 or pschunke@insidefsi.net.

Maryland Title Center, LLC is a full service settlement company offering title insurance and settlement services for both residential and commercial properties. We are a multiple bank owned title agency currently doing business in Maryland, Virginia, West Virginia, The District of Columbia, and Pennsylvania. Through our Underwriters’, we are able to operate nationally.

We offer innovative products and services to include Master Equity Loan Programs, No Survey – Survey Coverage, Expanded Policies, 1031 Exchange to name a few. We are unique within the title insurance industry and have a track record of actively helping our member/owner banks increase bottom line results.

and control of inventory and gives managers increased control over cost center spending.

At Optimum, we know printing and supplies and we know banks. We will perform an analysis of your bank free of charge and pinpoint the areas where we can bring you savings. From office supplies, to bank forms, to commercial printing, to bank furnishings, Optimum can save your bank both time and money.

Crime against the elderly in our society is a longstanding, constant battle that can be reduced and prevented through the operation of the Senior Crimestoppers program in nursing homes and assisted living facilities. 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% through December 31, 2009. For more information, visit www.SHCPFoundation.org or contact Peter Gwaltney at 877-232-0859.

financial institution bond, directors and officers liability, property and casualty, and many other related coverages for commercial banks and thrifts. Zurich's Financial Institution Protection Program can be tailored to meet the unique needs of almost any institution. Any MBA member wishing to take advantage of the Zurich's financial stability, proactive field force, underwriting expertise and responsive claim handling may do so by contacting an independent agent or Zurich representative.

View Zurich's recent presentation at the 2011 MBA Annual Convention - The Four Biggest Risks Facing Financial Services Companies Today: And How to Deal with Them.

Zurich has created a new social network community specifically for financial institutions, www.financialrisktalk.com. This new forum was created to allow financial institutions to share relevant information with their peers. Financialrisktalk.com brings together risk professionals and other prominent industry thought leaders to share knowledge on issues facing the financial services industry today: existing and emerging litigation and regulatory changes, enterprise risk management, operational issues, D&O risk, security and privacy exposures and much more.