Best-in-Category:

.Bank Insurance

BancInsure
BancInsure was formed in 1985 by bankers in response to the risk management crisis of the early 1980s. BancInsure provides dependable, responsive and competitive insurance products and is rated A- (Excellent) by A.M. Best.

Some of its products include: Financial Institution Bond, Directors and Officers Liability, Bankers Professional, Property and Casualty Coverage and Workers Compensation.

For more information contact Daniel Lopezl
at 951/676-2883 or dlopez@bancinsure.com

.Check Printing

Deluxe Financial Services
Deluxe Financial Services, the nation's leading check supplier, offers its knowledge and comprehensive understanding of consumer preferences to create outstanding customer experiences for financial institutions. Deluxe offers premium checks and related products, and services to enhance customer loyalty, strengthen check program security, increase revenue and improve efficiency.

For more information about Deluxe, visit www.deluxe.com, or contact Dave Lowman at 800/933-2211, ext. 9219, or
via email at dave.lowman@deluxe.com.

.Customer Relationship Software

CoreTrac, Inc.
CoreTrac, Inc. provides simple and affordable customer relationship management (CRM) solutions exclusively for community banks. CoreTrac's ResourceOne delivers the power to track leads and referrals; recommend products based on demographics; create and manage marketing campaigns; set employee goals and measure performance; create reports; and integrate multiple data sources for a complete picture of client and prospect relationships. This important insight helps banks provide personalized service and market the right products, to build lasting customer relationships.

For additional information on CoreTrac and the value this CRM solution can bring to your bank please contact Gabriel Medel at 512/236-9120 x 200 or gmedel@coretrac.com.

.Executive Compensation

Clark Consulting's Banking Practice
Clark Consulting's Banking Practice is a pioneer in customized compensation, benefit and bank-owned life insurance (BOLI) portfolio strategies designed to assist banking organizations in securing their top executives and directors. Exclusively focused on the banking industry for more than 20 years, the Banking Practice brings banks a comprehensive understanding of industry trends, the changing landscape of compensation and benefits, and the challenges associated with developing an optimal BOLI portfolio.

With more than 30 consulting offices across the country, the Banking Practice offers a seamless approach-from design through implementation-that has helped more than 2,100 banking organizations recruit, retain and reward their best people. Clark Consulting service professionals offer practical, hands-on assistance in responding to auditors and examiners, as well as timely, accurate documentation and regulatory compliance support. Clark Consulting's Banking Practice also employs its bargaining power as the industry's leading and comprehensive provider of BOLI services to negotiate proprietary product designs and competitive yields-thereby creating the most efficient BOLI portfolio for each client's balance sheet.

For more information, visit www.clarkconsulting.com, or
contact Clark Struve at 831/373-4614, or
via email at clark.struve@clarkconsulting.com .

.Flood Determination

Geologix
The CBA offers an easy to use online flood determination program through Geologix to its members at a very competitive price. Geologix has been in the flood determination business since 1986 and several other state bank associations make it available to their members. The satisfaction level is very high for service, price, speed and ease of use.

For more information, contact Randy Moore
at 330/562-8443 or e-mail at rmoore@virtualflood.com

.Human Resources and Benefits Solutions

CBA Insurance Services
CBA Insurance Services provides a portfolio of services to streamline employee benefit program administration. Administering employee benefit programs involves merging information from a number of functional areas—human resources, employee benefits and accounting-and interfacing with multiple insurance carriers. CBA brings these elements together in one comprehensive package that saves CBA members time and money, and metes your organization’s goals and objectives.

For more information
contact, Carla McKay, Vice President, Employee Benefits Program Manager
Phone -916/438-4435
Fax -916/438-4335
E-mail -cmckay@calbankers.com

.Insurance-for Lenders and Customers

Kesler Associates
Kesler Associates, established in 1976, is a full service insurance agency specializing in the needs of banks and their customers. Kesler provides insurance tracking for entire loan portfolios including the following:

• Vehicle loans and leases

• Real estate

• Equipment/UCC’s

• Commercial Property

The e-Traq insurance tracking system is capable of electronic transmission and retrieval of data, reports and billings.

For more information, visit www.keslerbanking.com, or
contact Kurt Kesler at 800/542-7900, or
via e-mail at kesler@keslerbanking.com.

.IRA Compliance

BANKERS SYSTEMS
Bankers Systems, Inc. will be changing its company name to Wolters Kluwer Financial Services as of January 2, 2006.

Bankers Systems and its prominent subsidiaries and sister companies have joined to form one integrated business-Wolters Kluwer Financial Services. The Bankers Systems name now represents one of Wolters Kluwer Financial Services' key product families.

Wolters Kluwer Financial Services provides what banks need to be in compliance for their IRA programs. Products and services include: IRA consulting (toll-free service) IRA printed forms, IRA marketing-related materials (brochures, etc.) and the IRA Electronic Forms module.

More than 80 percent of U.S. banks use a Wolters Kluwer Financial Services solution. The company's integrated and stand-alone deposit, lending, IRA, Financial Intelligence solutions (USA PATRIOT Act and Anti-Money Laundering), all endorsed by the California Bankers Association, can help banks and other financial institutions efficiently comply with federal and California regulations, while remaining competitive in their markets and increasing their everyday workflow efficiencies.

For more information, call 800/552-9410 or contact Pam Braland, Alliance Manager, at 800/397-2341 x5313. You may also visit www.wolterskluwerfs.com.

.Loan Documentation

BANKERS SYSTEMS
Bankers Systems, Inc. will be changing its company name to Wolters Kluwer Financial Services as of January 2, 2006.

Bankers Systems and its prominent subsidiaries and sister companies have joined to form one integrated business-Wolters Kluwer Financial Services. The Bankers Systems name now represents one of Wolters Kluwer Financial Services' key product families.

Wolters Kluwer Financial Services is a national provider of resource solutions for financial institutions. CBA endorses Wolters Kluwer Financial Services' Rembrandt® Lending and ARTA® Lending Documentation Systems, which are designed to handle loan documentation for complex transactions and also the Tsoft SBA FormMaster+, which automates SBA loan documentation.

More than 80 percent of U.S. banks use a Wolters Kluwer Financial Services solution. The company's integrated and stand-alone deposit, lending, IRA, Financial Intelligence solutions (USA PATRIOT Act and Anti-Money Laundering), all endorsed by the California Bankers Association, can help banks and other financial institutions efficiently comply with federal and California regulations, while remaining competitive in their markets and increasing their everyday workflow efficiencies.

For more information, call 800/552-9410 or contact Pam Braland, Alliance Manager, at 800/397-2341 x5313. You may also visit www.wolterskluwerfs.com.

.Marketing Programs - Commemorative Coins

MPI Coin
MPI Coin provides a unique marketing program to over 6,000 U.S. financial institutions. The program focuses on the popularity of state quarters, coin collecting and gift-giving to help financial institutions enhance customer service, attract new customers, and generate revenue. MPI offers the most popular U.S. minted and commemorative coin products, in eye-catching displays at wholesale prices so financial institutions can put the program to work with minimal effort. Banks use the coins for premiums, promotions and direct sales, helped by the marketing materials that MPI Coin provides free of charge.

MPI Coin’s 50 States Quarter Program is the perfect program banks can use to prepare for the California state quarter release in January of 2005. Contact MPI Coin to discuss the guaranteed starter packages, the ease of the program, or the web-based program for banks.

For more information, www.mpicoin.com/cba.html or contact: Andrew Schwartz at 800/459-9487 x 13 or Andrew@mpicoin.com

.Office Supplies, Furniture & Equipment

Office DEPOT
Every business requires office supplies, furniture and equipment. Office DEPOT is a leader in office supply distribution. The California Banker's Association partnership with Office DEPOT offers you significant savings. Office DEPOT, the world's largest seller of office products, offers members significant discounts on office supplies, furniture and equipment. Other benefits of this agreement include added savings for online ordering, no minimum orders, and no shipping/handling charges.
Member Benefits:

• Up to 75% off the manufacturer's suggested retail price on "core list" items, 45% off furniture, and 50% off all other catalogue items

• A core list of 200 most frequently-ordered items-a list that is completely customized by you

• Annual cash rebate if most orders are placed online

• If you prefer to shop in the stores only, we can link your credit card for in store purchasing (where you will receive the special member pricing)

• Store purchasing cards for last minute office emergency purchases at Office Depot retail stores (where you will receive the special member pricing)

• Special Member Personal Purchase Program-for personal purchases

To open your account immediately, click here!

More information, including specific pricing, contact: Thomas May of Office Depot at 510 497 5701 or by email at TMay@officedepot.com

.Patriot Act Compliance

BANKERS SYSTEMS
Bankers Systems, Inc. will be changing its company name to Wolters Kluwer Financial Services as of January 2, 2006.

Bankers Systems and its prominent subsidiaries and sister companies have joined to form one integrated business-Wolters Kluwer Financial Services. The Bankers Systems name now represents one of Wolters Kluwer Financial Services' key product families.

Wolters Kluwer Financial Services has developed a full suite of products which streamline compliance with the USA PATRIOT Act, including, Customer Identification Program Development and Implementation; Risk Assessment Module for front-line staff; Identity Verification; Staff Training; and Customer Education materials.

More than 80 percent of U.S. banks use a Wolters Kluwer Financial Services solution. The company's integrated and stand-alone deposit, lending, IRA, Financial Intelligence solutions (USA PATRIOT Act and Anti-Money Laundering), all endorsed by the California Bankers Association, can help banks and other financial institutions efficiently comply with federal and California regulations, while remaining competitive in their markets and increasing their everyday workflow efficiencies.

For more information, call 800.552.9410 or contact Pam Braland, Alliance Manager, at 800-397-2341 x5313. You may also visit www.wolterskluwerfs.com.

Discretionary Overdraft Privilege Service Program

Strunk and Associates, L.P.
Established in 1976 by Chairman William H. "Bill" Strunk, Strunk and Associates, L.P. 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, all of our resources have been dedicated to the development of our Overdraft Privilege Service Program. Strunk and Associates, L.P. has well over 1,300 verifiable Overdraft Privilege Service clients throughout the Unites States and the Caribbean.

For more information and to get a FREE Overdraft Privilege Analysis, please visit www.strunklp.com or you can contact W. Marc Paine, Executive Vice President of Strunk & Associates, L.P. toll free at 800.728.3116 or via e-mail at mpaine@strunklp.com.

.Software Solutions

S1 Corporation
S1 (Nasdaq:SONE) S1 is a leading global provider of customer-facing software solutions for financial services and offers unique solution sets for community, regional, national and global banks, credit unions, retailers, and processors. S1 provides powerful business and technology benefits by enabling organizations to deliver a personalized, compelling experience to their customers.  S1 delivers customer-facing solutions for the branch, Internet, call center, phone and the ATM or Point-of-Sale, to help organizations increase operational efficiencies, revenue opportunities and overall customer satisfaction. S1 is the only provider with the proven experience, breadth of products, and financial strength to empower financial institutions' enterprise strategies. CBA endorses S1's retail and business banking online solutions: S1 Personal Banking, S1 Business Banking, S1 IBS Retail Banking, S1 IBS Cash Management, and S1 Voice Banking.

For more information, visit www.s1.com , email sales@s1.com , call 888/457-2237 or 404/923.3500.

Health Saving Plans

Tax Credits

Enterprise Zone Tax Benefits

National Tax Credit Group LLC.

Founded by research university professors and former Big 4 partners, National Tax Credit Group provides turn-key Enterprise Zone (EZ) tax benefit identification, calculation, and reporting services. Substantially improve your bottom line, cash flows, and CRA compliance with our unique, patented multi-state EZ lender interest deduction software, EZ hiring credits, and Federal hiring credits programs.

To learn more visit or website at www.NTCGTax.com , or contact Linda Wang at 800/791-2589 or lwang@NTCGTax.com