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Exhibit Prize Drawings

EVT_1628A23 EXHIBIT PRIZE DRAWINGS ORLANDO WORLD CENTER MARRIOTT—FLORIDA THIS FORM MUST BE RETURNED BY FEBRUARY 14, 2024 ICBA encourages you to provide a prize at your booth. If you are planning...

Jul 31, 2025

8 - TBS to P1C Cardholder FAQ

TBS to P1C Cardholder FAQs @2023 FIS and/or subsidiaries. All Rights Reserved. version 1.0 2 TBS to P1C Cardholder FAQ Table of Contents Purpose and Outline...

Jul 31, 2025

SPECIAL BULLETIN- Finance Charge Grace Method F to be Retired

DATE: July 27, 2023 AFFECTED PRODUCTS: TBS - Credit TOPIC TYPE: Migration Notification SUBJECT: SPECIAL BULLETIN: Finance Charge Grace Method F to be Retired REVIEW CLIENT ACTION ...

Jul 31, 2025

3 - Data Cleanup Reports Job Aid

Data Cleanup Reports Job Aid TBS to P1C TBS to P1C Migration Migration Date: 10/23/2023 tbstop1c@fisglobal.com mailto:tbstop1c@fisglobal.com @2023 FIS and/or subsidiaries. All...

Jul 31, 2025

Onsite Complimentary Registration

EVT_1628A23 ONSITE COMPLIMENTARY REGISTRATION ORLANDO WORLD CENTER MARRIOTT—FLORIDA Name (as it should appear on badge) Title Company Address City State Zip Code Mailing...

Jul 31, 2025

Bulletin 7 - The Importance of Training

Review Steps for you to Take Bulletin ID: 330063 Topic Type: System Migration Ticket: N/A Solutions: TBS - Credit What you need to know This Bulletin applies to all clients...

Jul 31, 2025

SPECIAL BULLETIN - TBS Compromise Manager to be Retired

DATE: August 09, 2023 AFFECTED PRODUCTS: TBS - Credit TOPIC TYPE: Migration Notification SUBJECT: SPECIAL BULLETIN: TBS Compromise Manager to be Retired REVIEW CLIENT ACTION ...

Jul 31, 2025

Certification News, Summer Q3

Marcy Bergman is Executive Vice President and Compliance Officer at Northeast Security Bank in Iowa. Q. Tell us your background/how you got here. A. I began my banking career with Northeast...

Jul 31, 2025

Bank Director Program Newsletter July-Aug

Value, Added High baseline yields accompany surprisingly wide spreads By Jim Reber, ICBA Securities If your responsibilities include your community bank’s bond portfolio, you’ve been confounded...

Jul 31, 2025

7 - What's New and Changing - Migrating from TBS to P1C

MIGRATION DATE: OCTOBER 23, 2023 CONTACT US AT: TBSTOP1C@FISGLOBAL.COM What’s New and Changing Migrating from TBS to P1C mailto:tbstop1c@fisglobal.com PURPOSE & OUTLINE While P1C is a...

Jul 31, 2025

6 - TBS Credit Migration Training Plan - October 2023 Migration

PAYMENTS ONE CREDIT MIGRATION TRAINING PLAN Migration: October 23, 2023 ...

Jul 31, 2025

4 - Data Placement Manager (DPR) - Client Dashboard Manual

1 TBS to P1C – DPR Client Dashboard Data Placement Manager (DPR) – Client Dashboard Manual Contents • Project Overview • Assignment & Login • Dashboard Overview • Edit & Submit...

Jul 31, 2025

1 - Information Technology Services Agreement (ITSA)

Account ID: 27294 OID: 00000000 Prepared for: ICBA Bancard, Inc. Page 1 INFORMATION TECHNOLOGY SERVICES AGREEMENT ICBA Bancard, Inc. 1615 L Street NW, Suite 900 Washington DC...

Jul 31, 2025

2 - TBS to P1C FAQ June 2023

TBS to P1C FAQs www.fisglobal.com ©2022 FIS and/or its subsidiaries. All Rights Reserved 1 TBS to Payments One Credit (P1C) FAQ’s Q: Why are we...

Jul 31, 2025

5 - TBS to P1C Migration Timeline and Client Responsibilities (July 13, 2023)

TBS TO P1C MIGRATION : TIMELINES AND CLIENT RESPONSIBILITIES Migration Date: October 23, 2023 Contact us at: tbstop1c@fisglobal.com mailto:tbstop1c@fisglobal.com WHAT TO EXPECT 5 Months...

Jul 31, 2025

6 - ICBA Bancard Operating Regulations

**Confidential** ICBA Bancard FIS Credit Services 1 ICBA BANCARD, INC. OPERATING REGULATIONS ...

Jul 31, 2025

4 - FSA - Appendix 1 Interchange Tables

ICBA Bancard, Inc. Interchange Credit TABLE 1 – VISA ICBA Bancard, Inc. will credit Financial Institution a percentage of gross Visa Incoming Interchange, net of cash advances, earned on...

Jul 31, 2025

3 - ITSA Banking Solutions Amendment P1C language

Account ID: 27294 OID: 00983522 **FISApprovedDocuSignForm** Prepared for: ICBA Bancard, Inc. Page 1 Prepared for: ICBA Bancard, Inc. 1615 L Street NW Suite 900 Washington, DC...

Jul 31, 2025

Bank Director Program Newsletter May-June

Commercial Real Estate Concerns in Your Portfolio By Brad Stevens, Stevens Risk Management, LLC Commercial real estate is a hot topic right now. The perception of increasing risk within the...

Jul 31, 2025

Comments on Single Family Social Bond Request for Information

May 17, 2023 Sandra Thompson Director Federal Housing Finance Agency 400 7th St SW Washington, DC 20219 RE: Enterprise Single Family Social Bond Policy RFI Dear Director...

Jul 31, 2025

Joint Letter Supporting Senate SECURE Notarization Act

May 12, 2023 The Honorable Kevin Cramer United States Senate 313 Hart Senate Office Building Washington, DC 20510 The Honorable Mark Warner United States Senate 703 Hart Senate Office...

Jul 31, 2025

PLP Refresher Training

PLP Refresher Training (2023) ➢ MS Live Event ➢ Length. Approximately 1 – 1 1/2 Hours ➢ Participants muted ➢ Type Questions under Q&A (top right of screen) ➢ We will respond both during...

Jul 31, 2025

Certification News, Spring 23

HOW I WORK... RICHARD ROWLEY Mail Theft and Fraud and SARs… “Oh My!” FinCEN Alert on Mail Theft and SAR Requirements Have you heard that checks are a dying breed? The industry has been saying...

Jul 31, 2025

ICBA LIVE 2024 - Registration Form

QUESTIONS? 866-843-4222 events@icba.org CHECK ONE:  Member  Non-member Mr.  Ms.  Mx. Name (as you want name to appear on badge) Title Bank/Company Address City State Zip Phone ...

Jul 31, 2025

Comments on Proposed Enterprise Regulatory Capital Framework Amendments

May 12, 2023 Sandra Thompson Director Federal Housing Finance Agency 400 7th St SW Washington, DC 20219 RE: Enterprise Regulatory Capital Framework Amendments; RIN 2590-AB27 ...

Jul 31, 2025

Testimony on SBA 7(a) Final Rule

Testimony of Alice P. Frazier President and Chief Executive Officer Bank of Charles Town On behalf of the Independent Community Bankers of America Before the United...

Jul 31, 2025

Rural America & Agriculture Notebook

2023 MONDAY, MAY 15, 2023 2023 RURAL AMERICA- AGRICULTURE COMMITTEE MONDAY, MAY 15, 2023 ICBA RURAL AMERICA/AG COMMITTEE MEETING NOTEBOOK TABLE OF CONTENTS TAB 1 Meeting...

Jul 31, 2025

ICBA - Farmer Mac March 2023

Boost Your Ag Loan Volume & Outmaneuver Your Competition ICBA Live Honolulu, Hawaii March 14, 2023 FARMER MAC Ag Bankers Have Delivered! FARMER MAC Opportunities for Lender’s to Partner...

Jul 31, 2025

Credit Conditions Hold Strong as Interest Rates Rise

https://www.kansascityfed.org/agriculture/ag-credit-survey/credit-conditions-hold-strong-as-interest-r ates-rise/ Credit Conditions Hold Strong as Interest Rates Rise 1 Federal Reserve Bank of...

Jul 31, 2025

Questions to Guide Discussion

Questions to Guide Discussion on Post-SVB Environment ICBA Legislative Issues Committee May 15, 2023 • How has your business changed since the fall of SVB? o Is it harder to hold onto...

Jul 31, 2025

Letter Supporting House ACRE Act

May 10, 2023 The Honorable Randy Feenstra The Honorable Wiley Nickel U.S. House of Representatives U.S. House of Representatives Washington, D.C. 20515 Washington, D.C. 20515 ...

Jul 31, 2025

ICBA ThinkTECH AP5 One Pager

AP-5 Cohort CNote – Oakland, CA CNote seamlessly delivers corporate deposits and investments to community banks when the capital is needed, in right-sized batches. The company also helps...

Jul 31, 2025

Comments on SEC Safeguarding Rule

May 8, 2023 Submitted via rule-comments@sec.gov Ms. Vanessa Countryman Secretary Securities and Exchange Commission 100 F Street NE Washington, DC 20549-1090. RE:...

Jul 31, 2025

Capital Summit Durbin SS

CREDIT CARD ROUTING MANDATES WOULD BENEFIT “BIG-BOX” MERCHANTS AT THE EXPENSE OF CONSUMERS The yet-to-be-reintroduced Credit Card Competition Act would create new credit card routing mandates...

Jul 31, 2025

Capital Summit ACRE

THE ACCESS TO CREDIT FOR OUR RURAL ECONOMY (ACRE) ACT OF 2023 NEED FOR LEGISLATION ACRE would help ensure farmers, ranchers, and eligible rural homeowners can access credit at lower costs...

Jul 31, 2025

Capital Summit Lobby Card

Community banks channel local deposits into the main streets and neighborhoods they serve, spurring job creation, fostering innovation, and fueling their customers’ dreams in communities...

Jul 31, 2025

Joint Letter on Military Base Rent Parity

3 May 2023 The Honorable Jack Reed Chairman Senate Armed Services Committee Washington, DC 20510 The Honorable Roger Wicker Ranking Member Senate Armed Services Committee ...

Jul 31, 2025

Statement for Senate Hearing on Flood Insurance

www.icba.org/advocacy May 2, 2023 NFIP Reauthorization: The Community Bank Perspective The Independent Community Bankers of America, representing community banks across the nation...

Jul 31, 2025

ICBA Lobbying Dos and Donts

GRASSROOTS LOBBYING Nothing is more effective in terms of industry advocacy than a community banker relationship with a legislator. By building a relationship with your senators and...

Jul 31, 2025

Capital Summit Loan Companies SS

CLOSE INDUSTRIAL LOAN COMPANY LOOPHOLE Industrial loan companies (ILCs) are the functional equivalent of full-service banks. They engage in commercial and consumer lending as well as deposit...

Jul 31, 2025

Capital Summit Cannabis Banking

SAFE HARBOR FOR CANNABIS BANKING STATUS: While cannabis use is illegal under federal law, 22 states — along with Washington, D.C., and Guam — have acted to legalize recreational cannabis, and...

Jul 31, 2025

Capital Summit Digital Assets

DIGITAL ASSETS AND COMMUNITY BANKS In the past year, the cryptocurrency industry has been rocked by high-profile collapses of cryptocurrency lenders and exchanges, notably FTX, as well as the...

Jul 31, 2025

Capital Summit CU FCS

TRANSFORMATION OF CREDIT UNIONS AND FARM CREDIT DRIVEN BY AN OUTDATED TAX CODE THE EMERGENCE OF MEGA CREDIT UNIONS AND A SURGE IN CREDIT UNION- BANK ACQUISITIONS Federal credit unions are...

Jul 31, 2025

Capital Summit SVB

DIFFERENTIATING COMMUNITY BANKS LARGE BANK FAILURES DOMINATE HEADLINES AND CREATE POLICY RISK: On March 10, Silicon Valley Bank (SVB), the 16th largest bank in the nation with $213 billion in...

Jul 31, 2025

Capital Summit Farm Bill

SUPPORTING THE FARM SECTOR & RURAL AMERICA The new farm bill, which must be reauthorized by September 30, 2023, presents an opportunity to address many needs facing rural America and our farmers...

Jul 31, 2025

Capital Summit 1071

CFPB SMALL BUSINESS LENDING DATA COLLECTION RULE WILL LIMIT FLOW OF CREDIT DISPLACING CUSTOMIZED SMALL BUSINESS LENDING WILL HARM VULNERABLE SMALL BUSINESSES The Consumer Financial Protection...

Jul 31, 2025

Testimony on Commodity Programs, Credit, and Crop Insurance

Testimony of Verlin “Gus” Barker President & CEO, First Community Bank On Behalf of the Independent Community Bankers of America Before the United States Senate Agriculture, Nutrition, &...

Jul 31, 2025

Comments on Credit Card Late Fee Proposed Rule

May 3, 2023 Legal Division Docket Manger Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 RE: Docket No. CFPB-2023-0010, RIN 3170-AB15 - Credit Card Penalty...

Jul 31, 2025

Joint Extension Request on CFPB Credit Card Late Fee Proposal

1 Via Electronic Mail – 2023-NPRM-CreditCardLateFees@cfpb.gov May 1, 2023 Comment Intake Consumer Financial Protection Bureau 1700 G Street, NW Washington, D.C. 20552 Re: ...

Jul 31, 2025

Letter Supporting Senate SAFE Banking Act of 2023

April 28, 2023 The Honorable Jeff Merkley The Honorable Steve Daines U.S. Senate U.S. Senate Washington, D.C. 20510 Washington, D.C. 20510 Dear Senator Merkley and Senator...

Jul 31, 2025

Letter Supporting House SAFE Banking Act of 2023

April 28, 2023 The Honorable David Joyce The Honorable Earl Blumenauer U.S. House of Representatives U.S. House of Representatives Washington, D.C. 20515 Washington, D.C. 20515 ...

Jul 31, 2025

How To - Custom Banner Ads + Socials w Design Layouts-1

How to Place Banner Ads These banners are built to Google standards, which means they will work for almost every possible online placement. The only item you will need to provide is a click-thru...

Jul 31, 2025

Support for CFPB Transparency and Accountability Reform Act

April 25, 2023 The Honorable Patrick McHenry The Honorable Maxine Waters Chairman Ranking Member Committee on Financial Services Committee on Financial Services U.S. House of...

Jul 31, 2025

Comments on Consumer Credit Card Market

April 24, 2023 Via Electronic Submission Consumer Financial Protection Bureau Comment Intake Request for Information Regarding Consumer Credit Card Market Consumer Financial Protection...

Jul 31, 2025

Support for Trigger Leads Abatement Act

April 24, 2023 The Honorable Ritchie Torres U.S. House of Representatives Washington, D.C. 20515 Dear Representative Torres: On behalf of the Independent Community Bankers of...

Jul 31, 2025

Comments on 1071 Exemption for Small and Intermediate Banks

April 25, 2023 Rohit Chopra Director Consumer Financial Protection Bureau 1700 G St NW Washington, DC 20552 Re: Targeted Exemption for Community Banks with Strong Community...

Jul 31, 2025

State Letter on House Resolution Disapproving 1071 Rule

April 18, 2023 United States House of Representatives Washington, D.C. 20515 Dear Representative: On behalf of the Independent Community Bankers of America (ICBA), the undersigned...

Jul 31, 2025

Joint Letter Opposing FTC Noncompete Proposal

April 17, 2023 Via electronic submission: http://www.regulations.gov Federal Trade Commission 600 Pennsylvania Avenue, NW Washington, DC 20580 Re: Notice of Proposed...

Jul 31, 2025

Letter Offering Community Bank Perspective on Stablecoin Legislation

April 19, 2023 The Honorable Patrick McHenry The Honorable Maxine Waters Chairman Ranking Member Committee on Financial Services Committee on Financial Services U.S. House of...

Jul 31, 2025

Washington-9

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025