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indicators, responding to problems early and helping to restore our nation’s economy. ABA stands at the ready to work with the next administration and lawmakers from both parties to bolster the economy, increase opportunity and


create a brighter future for all Americans.


At the same time, we won’t lose sight of our other policy priorities. We’ll continue to put our policy and advocacy expertise to work to address the important issues facing


our industry, from AML/ BSA reform to CECL to cannabis banking.


As one might expect from a trade association that’s been around for nearly a century and a half, our eyes are on the


long game. And while some of the tactics we employ may change with the times, our agenda will remain the same — and will continue to be driven, first and foremost, by the banks we serve.


Email Rob Nichols at nichols@aba.com.


OUR SERVICES


LENDING SERVICES Bank Stock Loans — Acquisition, Capital Injection,


and Shareholder Buy Back/Treasury Stock Purchase


Officer/Director/Shareholder Loans ( Reg-O) Participation Loans Purchased/Sold — Commercial, Commercial Real Estate, Agricultural, and Special Purpose Loans


Leases


OPERATIONAL SERVICES Midwest Image Exchange – MIE.net™


Electronic Check Clearing Products Information Reporting – CONTROL Electronic Funds – Wire Transfers/ACH Risk/Fraud/Anomaly Detection Tools


Cash Management and Settlement Federal Funds and EBA International Services/Foreign Exchange Safekeeping


Solutions that work for you.


800-347-4MIB | mibanc.com MEMBER FDIC 1


A minimum deposit of $25,000 is required to open this account. Funds are available upon request and delivered by wire transfer or ACH. No monthly service charges are assessed if the average daily balance does not fall below $25,000. If the average daily balance falls below $25,000 during the monthly statement cycle, a monthly service charge will be incurred as shown in the Truth- In-Savings Disclosure. Wire transfer fees will apply.


2 Audit Services are provided by MIB Banc Services, LLC, a subsidiary of our holding company.


PERSONAL BANKER SERVICES1 Money Market Accounts


Certificates of Deposit


AUDIT SERVICES2 ACH Audit


BSA Audit Lending Compliance Audit Deposit Compliance Audit Directors’ Examination Interest Rate Risk Review Home Mortage Disclosure Act (HMDA) Review Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act Audit


Loan Review Internal/External Penetration Test Internal/External Vulnerability Assessment Social Engineering Assessment IT Security Audit Business Continuity Management Audit


THE MISSOURI BANKER 7


ESTMENTS ARE NOT FDIC URED, NoT Bank GuaranteeD


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