TBASCO Endorsed Products & Services

Acquisition

The financial services environment has never been more competitive. Acquiring low-cost core deposits, lucrative loans and high-yield customers is essential for long-term growth.

AcquisitionCX™ from Harland Clarke takes a data-driven, strategic approach to deposit and loan acquisition. Using proprietary data analytics and robust modeling techniques, we identify prospects who match the profile of your best customers. Then we send them highly personalized offers with high-quality creative and materials. Customers receive relevant offers from you for the products they need, when they need them.

For more information, email Terri Bianca or call her at 318-505-4731.

Affordable Housing Lending

Centrant Community Capital is a mission-driven lender, leveraging the resources of the banking industry to finance the creation and preservation of quality affordable housing.

Established in 1990, we provide first-lien, permanent financing for apartment communities that are affordable to low- to moderate income households. As a member of Centrant Community Capital, your institution will have the opportunity to participate in low-risk multifamily loans that offer CRA credit and attractive interest yields. This consortium model enables member banks of all sizes to support community reinvestment efforts in the markets they serve in a safe, profitable manner.

With nearly 100 member financial institutions of all sizes, we are one of the largest consortia of our kind in the nation. To date, we've provided over $375 million in loans to support the development of over 20,000 units in nearly 400 communities across the Southeast.
Program Highlights:

• All loans offered for subscription on a voluntary basis - participation is never mandatory
• Select loans that meet your investment, portfolio and CRA goals, at a level that is right for you
• Centrant Community Capital provides on-going support for every loan in our portfolio, including servicing, payment remittance, asset management and annual property inspections
• Exceptional portfolio performance - our loss history to date is less than 0.3% of total loans

To learn more, email "David R. Bennett, Executive Vice President, or call him at 919-781-7979.

Bank Captive Program

KeyState Captive Management (KeyState) is the country's largest provider of captive management and investment portfolio services to community banks.

KeyState offers banks with over $1 billion in assets the opportunity to form a wholly-owned captive insurance company through its Bank Captive Program. A captive insurance company, or a legally licensed limited purpose property and casualty insurance company, can augment a bank's commercial policies by covering the existing commercial deductible layers, increasing coverage levels on existing policies (excess layers), and identifying other currently unfunded risks to insure where commercial insurance is not available to the bank.

Through a captive, banks can:

• Improve their enterprise risk management;
• Better manage unfunded risks;
• Formalize a self-insurance program;
• Realize efficiencies and savings related to insurance expenses and loss mitigation; and
• Take advantage of a small business incentive available under a section of the Tax Code.

What makes KeyState's Bank Captive Program different from its competitors? The primary differentiator is KeyState's deep knowledge and specific expertise working with banks and their regulators in evaluating structures and responding to regulator inquiries. KeyState's team offers a turnkey product and assists the bank every step along the way.

For more information email Brian Amend or call 302-425-5181.

BOLI Consulting

NFP Executive Benefits (NFPEB”) provides creative solutions to attract, retain and engage key officers and board members. As of December 31, 2019 more than 1,250 banks count on NFPEB to design, implement, administer and finance these important compensation and nonqualified benefit programs.

In addition, the company’s in-house service professionals offer practical, hands-on assistance to banks and their professional advisors, auditors and examiners. NFPEB provides its clients with timely, accurate documentation and regulatory compliance support. NFPEB has the experience of CPAs, attorneys, MBAs, CLUs, CFP^®, and ChFC^® professionals, a former bank regulator, several former bankers and bank directors, and other experts with advanced degrees and licenses. Our staff also includes individuals with significant BOLI and benefits administration experience as well as one of the industry’s most recognized experts on accounting and tax matters.

If a bank should decide to implement any of these plans, NFPEB has the experienced and professional staff needed to properly design, administer and oversee these plans. As evidence of its leadership position in the market, NFPEB has the exclusive endorsement of the American Bankers Association and several state banking associations including TBA.

To learn more about our services and products, contact Ken Derks* at 469-252-1037, Trey Deupree* at 972-672-8245 or visit executivebenefits.nfp.com.

*A Registered Representative of Kestra Investment Services, Inc.

Business Performance Solutions

Insperity helps the banking community unleash its employees' full potential with an array of human resource and business solutions that improve business performance. For 25 years, Insperity (NYSE\: NSP) has been offering the most comprehensive workforce optimization solution in the marketplace that delivers administrative relief, better benefits, reduced liabilities and a systematic way to improve productivity. The Company operates 58 sales offices in 24 major markets serving more than 100,000 businesses. If you would like to learn more about Insperity, please email Paul Haydel or call him at 281-348-2955.

Certificate of Deposit Account Registry

Promontory Interfinancial Network is now IntraFi Network^SM. Having built the largest bank network of its kind, we’re a trusted ally to community banks that never competes with banks for their customers and that helps them to attract and maintain valuable customer relationships, grow reciprocal deposits, manage liquidity and generate fee income, diversify funding and reduce collateralization. Work with the market leader to grow profitability and increase franchise value.

IntraFi Network’s innovative balance-sheet management solution — known as IntraFi^SM Network Deposits^SM (formerly CDARS^®, ICS^®, and IND^® deposit solutions) — empowers institutions to increase profitability, grow franchise value, manage liquidity more easily and serve customers better. To learn more, visit IntraFi.com, or contact Chuck McBrayer, Regional Director – Northern Texas at [email protected] or via phone at 703-292-3432 or Chris Ely, Regional Director – Southern Texas at [email protected] or via phone at 703-292-5907.

Use of the IntraFi Network Deposits service is subject to the terms, conditions, and disclosures set forth in the applicable program agreements, including the applicable Participating Institution Agreement and Deposit Placement Agreement. Limits apply, and customer eligibility criteria may apply. If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the depositor’s responsibility to determine whether the placement of its funds through IntraFi Network services satisfies those restrictions. Program withdrawals may be limited to six per month when using certain IntraFi Network services. IntraFi Network, IntraFi, and Network Deposits are service marks, and CDARS, ICS, and IND are registered service marks, of IntraFi Network LLC.

Checks

Many institutions miss out on the opportunity to capture check orders at account opening largely due to the complexity of check ordering platforms. ChecksCX™ from Harland Clarke offers a seamless, digital-first customer and branch check ordering experience. Our simplified and mobile-optimized program improves operational efficiency, increases check order capture across channels and is designed to align with the way consumers do business today.

Our checks are armed with industry-leading security features, while also delivering additional brand touch points through our patented CheckFolio™ , with customization capabilities to increase awareness of your financial institution’s brand.

For more information, email Terri Bianca or call her at 318-505-4731.

Community Advance Programs

FHLB Dallas offers three community advance programs that support local investment. These programs provide favorably priced solutions that support the affordable housing and economic development efforts by its member institutions.

• Community Investment Program (CIP) provides favorably priced advances to assist members in funding affordable housing, qualified economic development projects and community revitalization in targeted communities.
• Economic Development Program (EDP) provides favorably priced advances to assist members in funding qualified economic development projects and community revitalization in targeted communities.
• Disaster Relief Advances Program (DRP) Favorably priced advance funding to support recovery efforts in officially declared disaster areas in FHLB Dallas' District.

For more information, email Steve Otto or call him at 214-441-8711.

Community Reinvestment Act

CRA Credit Program

CRA Partners is a compliance solution you can feel good about. Since our inception in 2000, we have helped banks across the country earn guaranteed CRA credit for ensuring safe senior living environments through our turnkey crime prevention program, Senior Crimestoppers. Funded exclusively by the banking industry and endorsed by the ICBA and bankers associations in 43 states, Senior Crimestoppers protects low- to moderate-income seniors living in senior housing facilities, HUD communities and state veterans homes from theft, abuse and neglect.

Unlike some CRA opportunities, our 225 bank partners see the impact of their funds firsthand. We provide flexible funding options so banks can get involved through a community development loan, community development investment or a grant – it all depends on your bank's CRA needs.

• CRA-qualified loan, investment and service test credit
• 100% turnkey solution, no administrative burden
• Flexible, low-risk funding options
• Detailed LMI documentation for CRA exam

For more information email Terry Rooker, call him at 901-529-4781 or visit www.SHCPFoundation.org.

Compliance Forms and Software

Wolters Kluwer, the leading provider of regulatory compliance solutions and services for banking, brings together some of the industry's most trusted and reliable solutions to help financial organizations address compliance requirements, reduce risk and operate more efficiently. The Texas Bankers Association endorses the following products:

• ComplianceOne^® and ARTA^® Lending origination systems
• TSoftPlus SBA lending
• Wiz Sentri (AML and Identity Verification Solutions)
• Paper forms for documenting IRAs, Deposits and consumer lending
• Wolters Kluwer E-sign
• CASH for commercial lenders

The company's software, services and paper forms can help efficiently comply with federal and Texas regulations, while remaining competitive and increasing everyday workflow efficiencies.

For more information email Lynne Pearce, call her at 888-539-1119 or visit www.WoltersKluwerFS.com/BANKING.

Contact Center

In today’s customer experience economy, growth and customer satisfaction are inextricably linked. The contact center is one of the few opportunities for a personal touch — so it’s vital to your overall success.

ContactCenterCX™ from Harland Clarke delivers award-winning, fully customizable inbound and outbound support for short-term Burst events or ongoing programs. We are the brand beside your brand, increasing your agility, bandwidth and core strengths, so you can focus on what you do best. Our contact center specialists are skilled at white-glove support and providing a personal touch with every interaction.

Customers know their satisfaction is a priority for your financial institution when their questions or issues are resolved quickly, courteously, and professionally.

For more information, email Terri Bianca or call her at 318-505-4731.

Core Consulting

Genesys was founded in 2007 to be an advocate for the community banker by providing affordable technology consulting. Genesys takes the guesswork out of core contract negotiations. Consulting services include contract renewals and negotiations, systems evaluation and selection, M&A system assessments and negotiations, and in-house to outsourced evaluation services. TBA member banks receive a 7% discount on these endorsed services.

For more information email Selina Bailey or call her at 770-729-4138.

Customer Experience

Harland Clarke is a leading provider of solutions that help organizations deliver superior customer experiences. The company is a leader in check printing, card personalization and instant issuance, deposit and loan acquisition programs, contact center services, digital marketing, direct mail, customer insight analysis, cash handling supplies, and promotional products. Harland Clarke is a Vericast business (www.vericast.com). For more information, visit www.harlandclarke.com or follow Harland Clarke on LinkedIn and on Twitter @HarlandClarke.

For more information, email Terri Bianca or call her at 318-505-4731.

Retirement Plans for Bank Customers

Pentegra Retirement Services is a leading provider of retirement plan and fiduciary outsourcing solutions to community banks nationwide, Founded by the Federal Home Loan Bank System more than 70 years ago, today Pentegra manages over 4,000 retirement plans and more than $10 billion in assets. Pentegra is focused on delivering value-added retirement programs designed to help community banks improve retirement plan effectiveness, attract and retain quality employees and build a competitive advantage.

Our breadth and depth of services includes support for qualified and non-qualified retirement programs designed exclusively for your industry. With deep knowledge of the complexities that surround bank retirement plans, the quality and experience of our team deliver exceptional value to clients. Pentegra offers the added advantage of more than 70+ years of community-based financial institution retirement plan "best practices" and a user-board of directors comprised of our clients — delivering a level of retirement plan governance and oversight that is unmatched.

With an extensive array of plan design options, services and fiduciary support, our unique retirement plan solutions include qualified and non-qualified plans along with fiduciary outsourcing solutions designed to save time, save money and ease the burdens that come with managing a retirement plan. We're focused on delivering a client experience that makes offering a retirement program easy, and one that helps your employees achieve greater retirement security.

Help your bank drive more successful retirement outcomes for your employees with Pentegra. For more information on Pentegra's products and services, email Ken Jackson, Regional Marketing Manager, or call him at 303-921-3109.
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Digital Board Books

Board meetings should be informed, effective, and uncomplicated. The OnBoard board intelligence platform transforms complicated processes so boards can focus on what matters most: Realizing their vision for the organization. Experience a board portal that makes decision-making easier with a system of record for directors, executives, and administrators and intuitive data and analytics on any device, in any place, at any time.

Test before you invest with OnBoard’s no-strings-attached free trial or join a group demo!

For more information, email Colin Baker at [email protected] or call us at 765-535-1882.

Retirement Plans for Bank Employees

Pentegra Retirement Services is a leading provider of retirement plan and fiduciary outsourcing solutions to community banks nationwide, Founded by the Federal Home Loan Bank System more than 70 years ago, today Pentegra manages over 4,000 retirement plans and more than $10 billion in assets. Pentegra is focused on delivering value-added retirement programs designed to help community banks improve retirement plan effectiveness, attract and retain quality employees and build a competitive advantage.

Our breadth and depth of services includes support for qualified and non-qualified retirement programs designed exclusively for your industry. With deep knowledge of the complexities that surround bank retirement plans, the quality and experience of our team deliver exceptional value to clients. Pentegra offers the added advantage of more than 70+ years of community-based financial institution retirement plan "best practices" and a user-board of directors comprised of our clients — delivering a level of retirement plan governance and oversight that is unmatched.

With an extensive array of plan design options, services and fiduciary support, our unique retirement plan solutions include qualified and non-qualified plans along with fiduciary outsourcing solutions designed to save time, save money and ease the burdens that come with managing a retirement plan. We're focused on delivering a client experience that makes offering a retirement program easy, and one that helps your employees achieve greater retirement security.

Help your bank drive more successful retirement outcomes for your employees with Pentegra. For more information on Pentegra's products and services, email Ken Jackson, Regional Marketing Manager, or call him at 303-921-3109.
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Executive Benefits Consulting

NFP Executive Benefits (NFPEB”) provides creative solutions to attract, retain and engage key officers and board members. As of December 31, 2019 more than 1,250 banks count on NFPEB to design, implement, administer and finance these important compensation and nonqualified benefit programs.

In addition, the company’s in-house service professionals offer practical, hands-on assistance to banks and their professional advisors, auditors and examiners. NFPEB provides its clients with timely, accurate documentation and regulatory compliance support. NFPEB has the experience of CPAs, attorneys, MBAs, CLUs, CFP^®, and ChFC^® professionals, a former bank regulator, several former bankers and bank directors, and other experts with advanced degrees and licenses. Our staff also includes individuals with significant BOLI and benefits administration experience as well as one of the industry’s most recognized experts on accounting and tax matters.

If a bank should decide to implement any of these plans, NFPEB has the experienced and professional staff needed to properly design, administer and oversee these plans. As evidence of its leadership position in the market, NFPEB has the exclusive endorsement of the American Bankers Association and several state banking associations including TBA.

To learn more about our services and products, contact Ken Derks* at 469-252-1037, Trey Deupree* at 972-672-8245 or visit executivebenefits.nfp.com.

*A Registered Representative of Kestra Investment Services, Inc.

Financial Crime Management Platform

Verafin is the industry leader in enterprise Financial Crime Management solutions, providing a cloud-based, secure software platform for Fraud Detection and Management, BSA/AML Compliance and Management, High-Risk Customer Management and Information Sharing. Nearly 3000 banks and credit unions use Verafin to effectively fight financial crime and comply with regulations. Leveraging its unique big data intelligence, visual storytelling and collaborative investigation capabilities, Verafin significantly reduces false positive alerts, delivers context-rich insights and streamlines the daunting BSA/AML compliance processes that financial institutions face today.

Verafin is the exclusive provider for Texas Bankers Association, Western Bankers Association, Florida Bankers Association, Massachusetts Bankers Association, and CUNA Strategic Services, with industry endorsements in 48 U.S. states.

For more information, call 866-781-8433 or email [email protected].

Fixed Income Capital Markets

TIB Capital Markets is a fully-integrated shop that reduces transaction risk and eliminates paperwork burden. After purchasing securities through TIB market professionals, transactions move seamlessly through TIB's clearing, custody, accounting and ALM platforms. With policies, analytics and experts, banks have it all in one place.

• Investment Consultation & Sales
• Interest rate hedging products
• Safekeeping & Bond Accounting
• Federal Funds & Treasury Management
• Asset Liability Management

Employee Benefits

Higginbotham is the largest independent insurance broker based in Texas. Thousands of companies and financial institutions across the state trust our single source solution for employee benefits. We have more than 30 offices in Texas to serve your regional insurance needs. Our size ranks us among the largest brokers in the nation, yet our local concentration keeps us accessible.

In fact, we’re always by your side. Getting you covered is just what we do on day one. We support you and your employees on day two and every day after. It’s what we call Day Two Services® because we deliver everything you need to manage your plans and control your benefits throughout the year.

For more information email Mark Rutherford at [email protected] or call him direct at 817-797-0556.

Business Performance Solutions

Insperity helps the banking community unleash its employees' full potential with an array of human resource and business solutions that improve business performance. For more than 30 years, Insperity (NYSE: NSP) has offered the most comprehensive workforce optimization solution in the marketplace that delivers administrative relief through robust payroll and HR platforms, better benefits, reduced liabilities and a systematic way to improve productivity. The Company operates over 70 sales offices in 30 major markets serving more than 100,000 businesses. If you would like to learn more about Insperity, please email Paul Haydel or call him at 281-348-2955.

Technology Management

CSI Managed Services simplify the complexity of financial technology for you. Our cloud-delivered technology performance, compliance and security managed services are built on decades of financial industry experience and continuous investment in innovation. Whether through a fully outsourced or co-managed relationship, CSI's flexible service model maximizes your IT operations and alleviates your technology burdens so that staff can focus on more strategic initiatives.

For more information, email Rachael Schwartz or call her at 720-676-9175.

Lender Placed Hazard & Flood and Mortgage Impairment/Errors & Omissions Insurance

J.B. Lloyd & Associates is an insurance agency that has provided lender placed hazard & flood and mortgage impairment and mortgage errors & omissions insurance protection to Texas banks for 24 years. In addition to excellent customer service, Lloyd & Associates' web-based reporting capabilities and broad coverage options sets us apart from other insurance providers.

For more information email Jim Lloyd, call him at 214-265-2445 or visit www.lloyd-ins.com.

Online, Voice and Mobile Banking

At Q2, we believe financial power should stay within the communities you serve. To that end, our mission is to enable community-centered financial institutions to compete to win in an always-connected world. Our flexible, single-platform online banking solution offers a secure, intuitive, and consistent user experience across all digital channels from desktop to mobile – for end users ranging from retail consumers to commercial and corporate entities.

Backed by analytical intelligence from over 250 million customer interactions every month, Q2 can help you offer more to your account holders and anticipate their changing needs – while keeping their assets secure and your reputation safe. We merge business-critical technology, an engaging user experience, and a culture of partnership to streamline your day-to-day operations and accelerate your growth and retention strategies.

Only Q2 enables you to stand apart, scale smart, and grow beyond – empowering returns on relationships with your employees, account holders, and community.

Mortgage Protection Finance^® Program (MFP^®)

Provides FHLB Dallas members with a competitive, alternative to access the secondary mortgage market. FHLB Dallas members that become Participating Financial Institutions (PFIs) gain opportunities to sell certain fixed-rate, conforming mortgage loans into the secondary market. PFIs that participate in the MPF program also have an option to retain servicing on their loans, and subsequently maintain control of their customer relationships, or they can sell servicing.

FHLB Dallas offers four products from the MPF Program:

Credit Enhancement (CE) Products:

• MPF Original
• MPF 125
• MPF 35

Non-Credit Enhancement Product:

• MPF Xtra

For more information, email Steve Otto or call him at 214-441-8711.

Online, Voice and Mobile Banking

At Q2, we believe financial power should stay within the communities you serve. To that end, our mission is to enable community-centered financial institutions to compete to win in an always-connected world. Our flexible, single-platform online banking solution offers a secure, intuitive, and consistent user experience across all digital channels from desktop to mobile – for end users ranging from retail consumers to commercial and corporate entities.

Backed by analytical intelligence from over 250 million customer interactions every month, Q2 can help you offer more to your account holders and anticipate their changing needs – while keeping their assets secure and your reputation safe. We merge business-critical technology, an engaging user experience, and a culture of partnership to streamline your day-to-day operations and accelerate your growth and retention strategies.

Only Q2 enables you to stand apart, scale smart, and grow beyond – empowering returns on relationships with your employees, account holders, and community.

Technology Management

Computer Services, Inc. (CSI) simplifies the complexity of financial technology for you. Our cloud-delivered technology performance, compliance and security managed services are built on decades of financial industry experience and continuous investment in innovation. Whether through a fully outsourced or co-managed relationship, CSI's flexible service model maximizes your IT operations and alleviates your technology burdens so that staff can focus on more strategic initiatives.

For more information, email Rachael Schwartz or call her at 720-676-9175.

Vendor Management

Ncontracts is a leading provider of compliance and risk management solutions to the financial services industry. With over 3,700 customers, the company’s powerful combination of software and services provides banks, credit unions, and mortgage companies with an integrated, user-friendly cloud-based solution suite that encompasses the lifecycle of risk and compliance: vendor management, operational risk, audit and findings, and lending compliance. Ncontracts was recently named to the Inc. 5000 fastest-growing private companies in America for the second consecutive year.

For more information email Sam Desmond or call him at 512-944-0726.

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Online, Voice and Mobile Banking

At Q2, we believe financial power should stay within the communities you serve. To that end, our mission is to enable community-centered financial institutions to compete to win in an always-connected world. Our flexible, single-platform online banking solution offers a secure, intuitive, and consistent user experience across all digital channels from desktop to mobile – for end users ranging from retail consumers to commercial and corporate entities.

Backed by analytical intelligence from over 250 million customer interactions every month, Q2 can help you offer more to your account holders and anticipate their changing needs – while keeping their assets secure and your reputation safe. We merge business-critical technology, an engaging user experience, and a culture of partnership to streamline your day-to-day operations and accelerate your growth and retention strategies.

Only Q2 enables you to stand apart, scale smart, and grow beyond – empowering returns on relationships with your employees, account holders, and community.