ATM NETWORK – SURCHARGE-FREE • Allpoint Network Surcharge Free ATM Network for ACB Members Allpoint is America’s largest surcharge-free ATM network with ATMs in all 50 states. 1 out of 12 ATMs in America is an Allpoint Surcharge-Free ATM and they are conveniently located in major national, regional and local retail locations. ACB and Allpoint Network offer ACB members and their customers access to over 30,000 surcharge free ATMs nationwide. Member benefits include pricing discounts and preferred fee structures.

CORE PROCESSING • Fiserv VISION Fiserv VISION provides online, real-time core account processing, empowering financial institutions with strategic tools and organized information delivered through the Cleartouch product suite. Through innovative products, advanced technology and superior service, Fiserv VISION leads clients into growth markets and prepare them to compete at both community and national levels.

IMAGE & ITEM PROCESSING • Fiserv Item Processing Fiserv serves more than 1,700 item processing clients from more than 50 locations, and processes more than 3.7 billion prime pass items each year. This is the largest number of clients, service locations, and highest volume of any item processing services provider in North America. Fiserv resources include more than 3,500 item processing professionals and 160 installed reader-sorters. Fiserv has extensive experience in managing item processing workflows, imaging solutions, and other back-office processes performed in financial data centers.

PAYMENTS Through ACB’s affiliation with leading card program providers, ACB members can offer a branded credit card to their customers and markets on advantaged terms. Members have the option to either own their own program and receivables, or create a completely turnkey agent program that provides income without portfolio risk. Your ACB Card Services programs offer a full range of card options and enhancements that can help you expand and protect your customer relationships. ACB Card Services is your gateway to the full range of national and international payment systems. • Certegy, Inc. Since 1987, ACB has given members a full-service Visa and MasterCard program including credit, debit, and merchant card processing. This direct bankcard program allows you to determine your product pricing, fee structure and special enhancements including cardholder rewards; retain all the revenue less operating costs as a direct card issuer; and build a steady stream of non-interest fee income. Benefit from a top-notch travel rewards program, complete transaction processing, 24/7-customer service, marketing assistance, portfolio development, risk management, and ACB group pricing. • InfiCorp Holdings This agent credit card program provides ACB members all of the strategic benefits of issuing Visa and MasterCard credit cards without any of the attendant risks. This program designed for community banks, provides your bank, your customers, and your prospective customers with a broad array of competitive and compelling credit card products. If you’re interested in selling your credit card program without selling your customer relationships, InfiCorp is also interested in purchasing quality credit card portfolios. • Fiserv EFT Fiserv EFT has delivered EFT (electronic funds transfer) services since 1976, combining experience with state-of-the-art technology to become an industry leader. Fiserv EFT specializes in ATM, network, and debit card services, offering clients customized EFT processing for their business needs.

TECHNOLOGY Research shows that unauthorized Internet probes occur at banks several times each day, including banks whose only connection to the Internet is for e-mail. Providing Internet security for your bank is critical to survival in the current financial environment. ACB partnerships in the Internet security sector provide member advantaged pricing on services such as network firewalls, intrusion detection, and low cost 24/7 system monitoring. In addition, ACB members receive free ongoing technical training and security “alerts” of critical information relevant to you and your technology officer. • SecurePipe, Inc. While the Internet has expanded business opportunities and facilitated rapid global communication, it has also spawned a host of confidentiality and security issues that put assets at risk. SecurePipe is a trusted, proven leader in delivering managed security solutions. Their primary focus is to keep your bank safe with fully integrated hardware and software solutions managed from its secure operations center to ensure the ongoing integrity of your bank’s networks.