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Community Bankers' Bank has formed "alliances" with several vendors and technology service providers that offer important products and services designed especially with community banks in mind. Special pricing or other considerations are offered to the banks affiliated with Community Bankers' Bank. NSFDeposit.Com is a fast growing, third party processor that developed web-based software that allows the representment and electronic conversion of paper checks (RCK) through ACH. Other products include Electronic Funds Transfer (EFT), Point of Sale (POS) Truncation, and Accounts Receivable Conversion (ARC). Community Bankers' Bank has an exclusive agreement with NSFDeposit.Com for their entire product line in the 5th Federal Reserve Bank District. NSFDeposit.Com was formed in early 1998 by three individuals who are experienced in the EFT industry. All were owners of EFT sales and marketing companies. Most of the EFT Network business is concentrated in the collection agency and check recovery services industry. The InterCept Group makes connecting to future technology easy. InterCept both designs and implements advanced software solutions that help financial institutions and merchants prepare for and meet tomorrow's challenges today. Delivering a fully integrated, comprehensive suite of products and services from core data processing, check processing and imaging, ATM and debit card processing, merchant processing, and data communications management, to other related products and services. InterCept is a true single source of advanced technologies. Goldleaf Financial Solutions offers a strategic suite of integrated technology and payment processing solutions to community financial institutions. Goldleaf's products and services enable community financial institutions to succeed in today's competitive market, solidify their trusted financial relationships, expand their community presence and improve profitability through the efficient use of technology. The CBC Program provides you with long distance and other available telecommunications products and services at incredibly low rates along with a dynamic state of the art telecommunications foundation that is positioned to grow as your business needs expand. Community Bankers' Bank relationship with The CBC Program also includes a full service Network Security Assessment that assists you in meeting your Gramm Leach Bliley ACT (GLB) 2001. FAS (Finding a solution) was established in 1995 for the purpose of bringing integrity to the construction process. Too many projects run into trouble because the fundamental processes necessary for success are not adhered to. FAS' web-based technologies, combined with a staff of construction, architectural, engineering, and accounting professionals, allow FAS to deliver efficient solutions that are needed in the industry. FAS delivers paperless management and reporting solutions to owners, lenders, and other financial entities involved in the construction and commercial real estate industries. TravelersExpress provides official check and money order outsourcing solutions to more than 5,000 financial institutions across the United States and is an expanding global leader in the payment services industry. Travelers offers a broad range of products and services including official checks, consumer money orders, consumer money transfers and large-scale item processing for corporate clients and financial institutions. Travelers Express provides the technology, service and expertise to move money effectively and efficiently. TransFirst is among the nation's premier providers of transaction processing services and payment technologies. Founded in 1995 as ACS Merchant Services, TransFirst has grown to be the second largest privately held processor in the United States not associated with a bank, and is among the top 25 largest payment processors nationwide. In 2000, the company attracted capital from a leading private equity investment firm and changed their name to TransFirst. Through the partnership, TransFirst received equity capital to execute its industry-specific business plan, allowing them to provide a wider range of products and services to meet the needs of its customers. Ceto and Associates identifies opportunities for community banks to increase non-interest income and convert non-interest earning assets into interest earning assets. Turnkey solutions include increasing fee income, decreasing non-interest earning reserve requirements, and optimizing vault cash. Ceto services over 1000 clients nationwide, all of whom are experiencing an increase in profitability, some by more than 15% annually.