Members and associate members are encouraged to utilize the services listed below as a way of realizing savings for their organizations. As always, if you have any questions or want more information before contacting these providers, please call or e-mail Peter T. Blanchard, Executive Director, Education Management and Member Services at (617) 523-7595.

 
Automated NSF Collections

BSG Financial, a marketing and consulting firm based in Louisville, Kentucky, is a proven leader in the management of profit-enhancing programs for the financial industry. It has built a niche for itself by developing a number of innovative programs that work in conjunction with one another to improve a financial institution’s bottom line. MBA endorses BSG Financial’s Re$ubmitIt^® program, a turnkey, electronic recovery solution for returned deposit items that reduces costs and increases revenues for financial institutions and their commercial accountholders.

MBA-member banks:

• Increase income through a unique revenue-sharing opportunity with BSG Financial.
• Enhance image as a valuable business resource.
• Decrease administrative cost and hassle of processing returned deposit items.
• Incur minimal marketing costs.
• Benefit from simple implementation process led by a BSG Financial project manager.
• Enjoy immediate ROI in terms of increased revenue, strengthened partnership with commercial accountholders and leadership within the business community.
  

Business accountholders:

• Can double collection rates on bad checks via proven electronic re-presentment technology.
• Pay nothing for the service—no set-up fee; no equipment to buy; can cancel any time.
• Spend less time on collections, more on customers.

MBA recognizes Re$ubmitIt^® not only for its ability to generate an immediate increase in income, but also for its focused, yet fast, implementation. The program is fully compliant with NACHA, The Electronic Payments Association guidelines, which distinguishes it from other check recovery vendors whose programs are not as compliance-minded as BSG Financial.

Contact
Hank Thompson at BSG Financial
Telephone: (866) 274-8900 ext. 230
Visit the Re$ubmitIt^® web site.

BSA Compliance, Money Laundering and Fraud Detection Software

Verafin is more than a BSA solution provider. We offer a complete money laundering and fraud detection solution. Our second-generation approach brings fraud and AML detection together. It’s something we like to call FRAML. We’re committed to always staying one step ahead of bad guys and first-generation rules-based solutions.

What that means for you is a better process, a way to reduce your workload and costs. It’s why more than 500 financial institutions operating on nearly 50 core processing systems choose our solution to stay a step ahead of regulations, examiners and financial criminals.

We use risk-scoring to alert you to suspicious behavior, which also helps you prioritize your work. Examiners and auditors love the way we help you work. From OFAC and 314(a) monitoring to CTR and SAR filing, Verafin’s fraud and money laundering detection software is a truly automated solution.

• CONSOLIDATED AML/FRAUD ALERTS DASHBOARD
• CUSTOMER RISK SCORING
• INSTITUTION BSA/AML RISK ASSESSMENT
• SUSPICIOUS ACTIVITY DETECTION
• COMPLIANCE REPORTING
• WATCH LIST SCANNING
• ENTERPRISE-WIDE CASE MANAGEMENT AND INVESTIGATION
• THIRD-PARTY VENDOR MANAGEMENT
• AUDITING, RECORD KEEPING AND REPORTING
• CORE SYSTEM INTEGRATION
• WIRE INTEGRATION

Contact
Becky Paluch at Verafin
Telephone: (866) 781-8433 ext. 3126
Visit the Verafin website. www.verafin.com

 
Directors and Officers and Bond Insurance, including Employment Practices Liability and Internet Banking Liability

In cooperation with national banking trade organizations, the Association sponsors a wide range of bank-related insurance products at very competitive rates working directly with the bank or through the bank's agent. One of the most widely used and successful services endorsed by the Massachusetts Bankers Association is ABA Insurance Services.  Over 40% of Massachusetts banks purchases their D&O and Bond coverage from ABA Insurance Services.

For over twenty-three years as the ABA Sponsored Insurance Program, underwritten by Progressive, ABA Insurance Services has been providing D&O and Bond coverages specifically for community banks, including Employment Practices Liability and Internet Banking Liability insurance as well as STAMP Surety Bonds.  Opportunity to participate in a unique program that has declared a profit-sharing for the 20th consecutive year, totalling $71.5 million in profits to participating banks.  50 Massachusetts banks shared over $278,000 in 2010... $2,700,000 to participating Massachusetts banks since program inception.  Visit our NEW Web site, www.abais.com.

Contact
Jason Faulkner, Account Executive
Telephone: (216) 220-1321
Visit the ABA Insurance Services, Inc. web site.

Mutual Funds and Annuities

With the onset of deregulating the financial industry, banking customers have a strong interest in a wide range of banking, investment and insurance products. To meet this growing customer demand, many banks are considering relationships with third-party broker-dealers and insurance agents.

It is a real challenge to bring the worlds of banking, investments and insurance together in order to avoid establishing a competitive environment in which the bank finds itself competing against one of its primary business partners. The culture of the two organizations must meld together seamlessly in order to create a comfortable and synergistic working relationship.

Infinex Financial Group provides a working template for success. This broker-dealership was formed by banks, is owned by banks and operated for the benefit of the participating banks. Through a unique arrangement, the Infinex goal is to build upon the heritage founded in the banking industry while maintaining the flexibility to meet the changing needs of the financial services industry well into the 21st century.

Infinex Financial Group is a program designed by people with banking, broker-dealer and insurance backgrounds. Infinex is owned by The Massachusetts Bankers Association, The Connecticut Bankers Association and a number of participating banks. This arrangement ensures that the products and services offered broaden the scope of financial services that the bank can offer its customers, while maintaining that important relationship between the bank and its customers. It has been our experience that the products and services that have been developed by banks, for banks, ultimately prove to be the most successful because they allow banks to control their own destiny when it comes to people, products and marketing operations on their platforms.

Infinex Financial Group offers banks a unique approach to satisfying the growing demand for investment and insurance products in the Massachusetts and Northeast market. Infinex offers financial planning, mutual funds, tax deferred annuities, stocks and bonds, life insurance, long-term care insurance, unit investment trusts, money market funds, and retirement accounts.

Contact
Robert Carroll at Infinex Financial Group
Telephone: (203) 599-6026 or (800) 218-2827
Visit the Infinex Financial Group web site.

        
Check Printing Services

Harland Clarke/BancSource is an industry leader committed to providing our financial institution clients with customer-focused and cost-effective solutions including personal and business checks, direct marketing, business intelligence and other marketing service solutions.

Harland Clarke/BancSource is committed to helping community banks:

• Acquire new customers
• Increase customer satisfaction, retention and loyalty
• Deepen customer relationships
• Support and broaden business strategies
• Promote products and services through multiple channels
• Increase profitability

To learn more about the MBA/BancSource/Harland Clarke program please download a description sheet.

Contact
Randy Clark, Account Executive at Harland Clarke
Telephone: (800) 723-1470
Office: (603) 635-2147
Cell: (603) 508-2521
Visit the BancSource web site.

 
Customer Appreciation Program / Checking Benefits Package Program

Affinion Group, formerly Trilegiant Corporation and Progeny Marketing Innovations, is a leading affinity direct marketer of value-added membership, insurance and package enhancement programs and services to consumers. With more than 30 years of experience, Affinion Group currently offers its programs and services worldwide through more than 4,500 affinity partners. Its diversified base of affinity partners includes companies in a wide variety of industries, such as: financial services, retail, travel, telecommunications, utilities, and Internet. Affinion Group also has a growing loyalty solutions operation which administers points-based loyalty programs. Based in Norwalk, CT., Affinion Group has approximately 3,600 employees throughout the United States and in 13 countries across Europe.

Contact
Kevin C. Maguire, Senior Business Development Executive
Telephone: (781) 631-7622
Visit the Affinion Group web site.

 
Bank Security, BSA, SAR Manuals, Forms and Training

In cooperation with Profit Protection and the National Association of Bank Security (NABS), the Association offers a wide range of publications including bank security manual workshop kits, training videos, BSA and SAR manuals. Please refer to the product page on their web site for a list of products as well as pricing and ordering information.

Contact
Audrey at NABS
Telephone: (800) 390-6227
Fax: (954) 327-1226
Visit the NABS web site.

 
Group Buying Office Supplies Program

Association Members and Associate Members can take advantage of a program offered by Massachusetts based Staples, the Staples Business Advantage. With the help of Expense Management Group (EMG), a Memphis-based consulting firm specializing in helping financial institutions identify cost-savings opportunities, MBA has developed a partnership with Staples that will provide a comprehensive office products program to our membership at extremely attractive price levels.

The MBA/Staples Business Advantage program includes a complete selection of office supplies, paper products, inks and toners, furniture, computer supplies, copy services, as well as janitorial and banking supplies. As with many of the MBA programs, the Association has used our Membership's collective purchasing power to create an aggressively priced program that would not be attainable by most of the Members on their own, using their individual buying power. Our analysis shows that some Members can expect savings of up to 40%.

Massachusetts based Staples is the world's largest office products company and is ready to meet all of our membership's product and service requirements. Staples will provide all program participants with dedicated account management, access to their internet-based online ordering system (Stapleslink.com), and will provide free, next day delivery to all of your locations. Registration is quick and simple. To start ordering today, just visit StaplesLink. Or, if you prefer, contact Staples to discuss your current office products requirements or have them evaluate your current office products costs to let you know how much you can expect to save under the MBA/Staples Business Advantage program.

Contact
Russ Estey, District Sales Manager at Staples Business Advantage
Telephone: (508) 253-0359
Fax: (508) 253-9100
Visit the StaplesLink web site.

 
Commercial Cash Sweep Program

The SEI CashSweep service links a depository account with an investment account and, without customer intervention, transfers funds to and from the investment account based on predetermined parameters. Offering a cash sweep service to commercial accounts will help a bank retain important commercial clients and generate new fee income. Overnight sweep programs can also be an effective tool for recapturing the assets lost to non-bank investment providers.

Contact
Duane Dixon at SEI
Telephone: (610) 676-1702
Visit the SEI web site.

 
SBLI / MBA Virtural Agency Lead Enhancement Program

Through an agreement with Savings Bank Life Insurance (SBLI), member banks can participate in a unique Virtual Agency statement insert and lead enhancement program designed to provide bank customers with information on the benefits of purchasing Saving Bank Life Insurance.

Contact
Spiro Papanastasiou, Assistant Vice President at SBLI
Telephone: (781) 994-5416
or
Gerry Kreuz, Institutional Marketing Officer at SBLI
Telephone: (781) 994-5413
Visit the SBLI web site.

   
Bank Investment Program

The program is designed to assist in raising bank investment yields by helping develop investment strategies and selecting suitable securities for individual bank portfolios. ICBA Securities acts like a bank investment officer, especially for smaller bank's by buying and selling bonds, Treasuries and other fixed income securities at the banks request. The program helps assure that a bank's internal securities portfolio meets the bank's investment style and objective. ICBA Securities also screens out investment products that do not meet regulatory approval and have developed a consistent pricing policy for all of their services. Additional value added services provided include: performance profiles, bond accounting, fixed income portfolio market information, transaction analysis, research on new regulations, quarterly comparisons to high performing peers and competitors.

Contact
Jim Reber, President, and CEO, ICBA Securities
Telephone: (800) 422-6442
Visit the ICBA Securities web site.

PMI and Mortgage Insurance

New England Insurance Trust and New England Mortgage Insurance Exchange

The Massachusetts, New Hampshire and Vermont Bankers Associations have partnered with and endorse the group mortgage life insurance and private mortgage insurance programs available through the New England Insurance Trust (NEIT) and the New England Mortgage Insurance Exchange (NEMIE), respectively.

NEIT was formed in 1963 by a group of New Hampshire based financial institutions to obtain a more attractive and stable group mortgage life insurance program for their borrowers. NEIT has grown over the years to include over 125 financial institutions located throughout New England. In Massachusetts, over 24 banks are already taking advantage of this low borrower cost, high fee income insurance program. NEIT's guiding philosophy has been to, provide eligible borrowers of participating institutions with the lowest cost group mortgage life insurance program available in the market place, consistent with sound economic, and actuarial practice. During the policy year ending February of 2009 NEIT generated in excess of $3.17 million in annualized premiums, made $1.35 million in claim payments to participating institutions to pay-off or reduce their insured customers mortgage balances, and paid more than $819,000 in fee income to participating banks. It is important to note that over the last 10 years, over $2 million has been returned to the eligible borrowers under the Six Month Return of Premium feature.

NEMIE is a captive, reciprocal, reinsurance facility funded and founded by NEIT in 1997. This pooling reinsurance concept has allowed subscribing financial institutions of all sizes to take advantage of economies of scale to generate additional fee income in offering private mortgage insurance underwritten by MGIC while maintaining the same cost and underwriting criteria for their borrowers. Through the quarter ending June 30, 2009 NEMIE's subscribing institutions have reinsured more than $5.04 billion in loans and generated more than $18.7 million in fee income to subscribing institutions.

References by participating member banks can be provided upon request.

Contact
Daniel R. Dubreuil, Executive Vice President of Mathes Associates, Inc., is the broker administrator
Telephone: (603) 669-3621
Fax: (603) 669-5806

or

Paul Trifone, Executive Vice President of Massachusetts Financial Services Insurance Agency
Telephone: (860) 774-1771
Fax: (860) 774-2297

Be sure to visit the NEIT, NEMIE web site.

 
Overdraft Protection / Reward Checking Program

In business since 1976, Strunk and Associates, L.P. is a financial institution advisory service recognized nationally for its innovative design, development, and implementation of the original “Overdraft Privilege Service Program”, for the financial institution community.

The firm’s reputation is built on more than three decades of providing expert, objective, unbiased and independent advisory service to thousands of financial institutions. For the past decade, Strunk and Associates, L.P. resources have been dedicated to the development of the Overdraft Privilege Service Program. Strunk and Associates, L.P. currently serves nearly 2,000 Overdraft Privilege Service clients throughout the Unites States and the Caribbean.

For more information about Overdraft Privilege and other financial solutions such as REWARDChecking®, click here.

Contact
Mike Potter, Senior Vice President at Strunk and Associates, L.P.
Telephone: (703) 690-0887
Visit the Strunk and Associates, L.P. web site.

MBA/ABA/UPS Overnight Delivery Service Program

Description:

Financial institutions can take advantage of special pricing discounts through UPS under the enhanced MBA/ABA/UPS Overnight Delivery Service Program. Under this program, UPS offers special shipping rates to financial institutions eligible for MBA membership on overnight and international delivery services specified below. UPS has expanded the number of services available to MBA members.

UPS provides reliable overnight and international service to virtually anywhere in the world, serving delivery points within the United States and over 200 countries and territories worldwide.

Online Enrollment Now Available: Visit http://www.savewithups.com/ababankers and click on “Sign Me Up Now.” If you prefer, you may enroll by calling the UPS National Association Hotline at 1-800-325-7000.

Program Benefits:

• 20% - 30% off published rates for UPS Worldwide Express^SM letters & packages (U.S. origin only)
• 10% - 20% off published rates for UPS Worldwide Expedited^SM documents & packages (U.S. origin only)
• 5% off published rates for UPS Next Day Air^â Early A.M.^â letters & packages
• 15% - 30% off published rates for UPS Next Day Air^â and UPS Next Day Air Saver^â letters & packages
• 10% - 25% off published rates for UPS 2nd Day Air^â and UPS 2nd Day Air A.M.^â letters & packages

*Discounts based on shipping characteristics.

How to Participate:

For more information or to enroll in this enhanced discount program, please:

• Enroll online at: http://www.savewithups.com/ababankers; or
• Contact the UPS National Association Hotline at 1-800-325-7000. Assistance is available for enrollment from 7:00 AM to 7:00 PM (Central Standard Time). Please refer to the American Bankers Association Program when calling to enroll.

Note: Financial institutions enrolled in the MBA/ABA/UPS Overnight Delivery Service Program prior to June 2004 must re-enroll in this program to receive the discounts and services under this enhanced program.

MBA Thumbprint Signature Program

MBA member banks, law enforcement and merchants can participate in the low cost Thumbprint Signature Program using Thumbprint Signature touch pads. The touch pad is intended to deter counterfeit and stolen check fraud by obtaining a Thumbprint signature, a fingerprint, from non-customers (customers who do not have a depository relationship with the institution) when cashing on-us and not-on-us checks. The Thumbprint Signature can be used by law enforcement agencies in the investigation of fraud claims made by account holders, and financial institution's usage of the program is a natural deterrent. Participanting institutions, agencies and merchants will not retain the Thumbprint Signature in their files and the signature will be shared with law enforcement officials only in cases of suspected fraud. Supplies for the program include the touch pads, notification tent cards, and window decals. We provide all the information and sample letters.  

Contact
Peter Blanchard, Executive Director, Education Management and Member Services at Massachusetts Bankers Association
Telephone: (617) 523-7595
Fax: (617) 523-5960
or
Pat Tabolsky, Administrative Assistant at Massachusetts Bankers Association to order additional supplies
Telephone: (617) 523-7595
Fax: (617) 523-5960

Robbery Deterrent Program

The Massachusetts Bankers Association security program recommending member banks post signs in their branches requesting that customers remove all hats, sunglasses and hoods before entering the bank as a robbery deterrent has been very successful and adopted by banks across the country and in Mexico. It has received worldwide recognition. The program is simple. Banks post signs in their bank entrances requesting that all customers remove hats, hoods and sunglasses as a security precaution. The program can be coordinated with the local police department. It is important that the program be applied uniformly and consistently by bank personal. Consideration should be given for obvious medical and religious situations. Customers refusing to comply can be asked to leave the bank. Special signage with proper wording can be obtained by calling Financial Advertising at (617) 327-4645 in Roslindale, MA.

Contact
Peter Blanchard, Executive Director, Education Management and Member Services at Massachusetts Bankers Association
Telephone: (617) 523-7595
Fax: (617) 523-5960

Disaster Recovery Planning

Since 1989, Agility Recovery has provided business continuity services to organizations and financial institutions across North America.  Agility revolutionized the disaster recovery and business continuity industries by developing a simple, cost-effective and easy-to-use recovery solution called ReadySuite.

AGILITY’S PROMISE: IF YOU HAVE A DISASTER, THEY WILL RESCUE YOUR BUSINESS.

ReadySuite Financial: A turn-key business continuity solution for financial institutions.

Disaster recovery and business continuity have become critically important in the banking business today. Regulators at every level want to see documented plans detailing how banks will deal with disasters and other events that could interrupt customer service. The ability to recover your financial institution can not be understated.

ReadySuite Financial can provide your financial institution with a modular workspace fully equipped with power, technology, space and connectivity. Options include:

• Teller counters
• Optional handicap ramp
• Reception/information area
• Break room area
• Check counter
• Power generator
• Management office
• 10-user telephone system
• Customer lobby area
• PCs
• Customer service desk
• 3 Intel servers
• HVAC system
• Internet access
• ADA-compliant restroom
• Roadmap to Recovery document

Contact
Mike Estey, Area Director at Agility Recovery Solutions
Telephone: (603) 660-2455
Fax: (800) 536-4237
Visit the Agility Recovery Solutions web site.

Senior Housing Crime Prevention Foundation

The Massachusetts Bankers Association (MBA) is inviting members to participate in an initiative the Association has undertaken with the Senior Housing Crime Prevention Foundation (SHCPF) in the state of Massachusetts.

The MBA enjoys a selected partnership with the SHCPF – a highly successful conduit for banks to use in earning no-risk Community Reinvestment Act (CRA) credit, while achieving above-market yields and helping to resolve a problem that plagues society – the exploitation and abuse of nursing home residents. The Foundation’s mission is to provide safe, crime-free, high-quality of life environments for our nation’s 3 million residents of nursing homes and other senior housing facilities by providing the Senior Crimestoppers Program through loans and investments made by the banking community.

In Massachusetts, crime against nursing home residents is a well documented problem that occurs with regular frequency in spite of the precautions of well-intentioned owners and operators. The fact is: crime against nursing home residents is prevalent, and it has been proven to be abated by the Senior Crimestoppers Program. Nationally, the program has reduced crime by more than 92 percent in nursing homes and senior housing facilities in 45 states.

The MBA has adopted the Foundation’s mission of ensuring that each of our state’s more than 52 thousand nursing home and senior housing residents are in safe, crime-free environments. We are asking our member banks to participate in this effort through sponsorship of nursing homes and senior housing facilities in their communities. Your bank’s participation in this program will provide many benefits:

• Cost-effective, profitable, risk-free, annually renewable CRA credit for either the lending or investment test;
• Positive public relations exposure for providing a safe and secure living environment for seniors in your community;
• Access to the 50+ market, the sons and daughters of nursing home residents, who are among the most affluent segment of the financial marketplace; and
• The assurance of knowing that you’ve done something proactive to improve the quality of life for the men and women who built your community and your bank.

Contact
Annie Coldstream, Grassroots and Member Services Coordinator at Massachusetts Bankers Association
Telephone: (617) 502-3816
Fax: (617) 523-6373
or
David Stone, Consultant at Senior Housing Crime Prevention Foundation, Inc.
Telephone: (877) 232-0859 or (603) 387-7045
Fax: (901) 523-3620
Visit the SHCPF web site.

Banking Infrastructure & Technology Services

Banking Infrastructure & Technology Services (BITS) provides telephony and data services to community banks at up to 40% savings with complete redundancy that merges seamlessly into you DR plan. 

BITS provides a hosted converged network infrastructure, merging phones, computers, and other network devices connected through the same external network, exclusively for community banks at only a 5% markup over cost, because BITS is owned by banks. BITS uses the same intelligent network technology currently deployed by nationwide banks such as the Bank of America. Specifically, the product offering includes:

• Managed branch to branch connectivity services;
• Managed voice services;
• Managed internet services with security;
• Third-party connection service; and
• Remote data network access.

BITS services provide the following benefits to community banks:

• Lower community banks’ monthly total cost of ownership for voice and data services by up to 40%;
• Significantly upgrade community banks’ voice and data infrastructure to compete more efficiently with nationwide banks;
• Simplify voice and data network management;
• Consolidate vendor management and simplify billing; and
• Simplify compliance with regulatory requirements.

BITS was founded in 2005 and is offered by ACBB-BITS, LLC, a wholly owned subsidiary of the Atlantic Central Bankers Bank, Camp Hill, PA. ACBB was founded in 1983 and is a Pennsylvania state-chartered Federal Reserve member bank. BITS is currently a partnership of the ACBB, IBB-IL (Independent Bankers, Illinois), and the IBB-FL (Independent Bankers, Florida). Their objective is to help community banks compete more effectively by using technology.

BITS has established relationships with Cisco, AT&T, Level 3, and VeriSign. They work with multiple core processors; and have established relationships with ATM processors such as Fifth Third, Star, NYCE (Metavante) and work closely with the Federal Reserve, state banking departments, the FDIC and the FFIEC Council.

Find out if BITS is right for you.  Click here for questionnaire. 

Contact
Ray Carolan, Director of Sales at ACBB-BITS
Telephone: (973) 474-1833
Visit the ACBB-BITS, LLC web site.

  
Online Deposit Gathering Software

MoneyAisle.com, a Massachusetts company, has developed an innovative and leading edge product to help community banks cost-effectively raise new retail deposits over the internet. Unlike other existing on-line deposit raising channels, they only collect a fee when you are successful in raising the deposit, thus eliminating expensive and uncontrollable click fees. In comparison to retail branch deposit gathering, they help you avoid the costly operating expenses of branches and the high incremental costs of customer acquisition. Key features include:

• Banks raise new retail deposits where and when they want – filtered by amounts, durations, rates, geographic criteria, etc;
• Vast expansion of your addressable market without any additional advertising or manpower expenditure;
• Elimination of traditional customer acquisition costs; success fee based;
• 24x7 access to real time analytics about the market rates for various deposit instruments;
• Web hosted – no software or systems integration necessary;
• Setup is easy and accomplished in minutes on the phone with a representative from MoneyAisle.com; and
• No long term commitments – it can be turned on or off at will.

Contact
Bob Watterson
Telephone: (781) 272-1774 ext. 223
Fax: (781) 272-1688
Visit the MoneyAisle web site.

Online Training with BankersEdge

BankersEdge is an industry leader in the online learning solution marketplace.  Having served banking customers for over a decade, BankersEdge has earned an unmatched reputation for excellence. BankersEdge commands considerable customer loyalty, due to its commitment to delivering world-class training solutions and exceptionally responsive service and technical support. And by forging this strategic partnership, now your bank has access to the acclaimed customizable regulatory compliance training and technology solutions BankersEdge is known for, including:

• Job-focused financial skills
• Compliance training
• IRA and tax-favored savings plans
• Wealth management and trusts
• Personal and professional skills development
• Hosted learning and resource management system
• Hosted custom course authoring
• Hosted call center- and speech recognition-based training

Whether driven by regulatory compliance, organizational development or talent management, BankersEdge believes training is most effective when it is tailored to your institution’s exact specifications. From fast-deploying solutions designed to meet your bank’s critical organizational objectives, to customized courses geared precisely to specific learning styles, BankersEdge will work closely with you to ensure your curriculum exceeds your expectations.

Contact
Mike Miller, Account Executive
Telephone: (636) 821-1919
Fax: (610) 676-0511
Visit the BankersEdge web site.

SoyPrint™ Toner Cartridges

The Massachusetts Bankers Association encourages its members to GO GREEN! and use SoyPrint™ toner cartridges as an eco-friendly alternative to traditional oil based laser print cartridges.

SoyPrint™ toner cartridges replace 2-3 liters of oil used in traditional toner cartridges with Soybean oil. Traditional toner uses 2-3 liters of petroleum to make the toner powder in a single toner cartridge. SoyPrint™ uses a Soybean oil in this process instead! Your green initiative can now include your printers with a SoyPrint™ green printing program. SoyPrint™ toner is fully guaranteed and a trusted name in printing consumables. SoyPrint™ will chart your progress with quarterly sustainability reports to show oil savings which can be used in marketing materials.

   Reduces Carbon Footprint

Each SoyPrint™ cartridge you use saves 2-3 liters of oil by replacing traditional petroleum-based toner powder with toner derived from soybean oil. Multiply these savings by the number of cartridges your company uses annually and the impact is significant. 100 million laser cartridges are used in the U.S. each year, consuming 1.3 million barrels of oil!

   Minimizes Impact on Waste Stream

SoyPrint™ cartridges allow you to save an average of 6 pounds of heavy plastic from landfills, reducing your impact on the waste stream.

   Provides Accountability

SoyPrint™ provides quarterly reports that track environmental impact. Everything from oil savings to pounds of heavy plastic recycled. They will even include an estimate of the amount of recycled paper you use!

   Maintains Costs

Convert to SoyPrint™ without increasing costs. SoyPrint™ is priced competitively with brand name cartridges.

Join the MBA in this green initiative by using SoyPrint™ toner at your institution. Click to download the SoyPrint™ Order Form.

Contact
Rick Greenlaw, Jr., Business Development at PRC Technologies
Telephone: (207) 286-7767
Fax: (207) 221-1260
Visit the SoyPrint™ web site.

PRC Technologies, home of the SoyPrint™ cartridges.
Everyone prints black, but now we can print "green"!

Heartland Payment Systems

The Heartland Payment Systems Community Bank Program works with bankers to provide a variety of products and services to business customers. These services include: credit and debit card processing, check verification, check truncation, electronic check processing, point of sale check conversion, business to business card processing, electronic benefits transfer, Internet web site processing and payroll processing. In addition to reducing operating costs, this system also assists banks in eliminating portfolio liability associated with card processing. Furthermore, Heartland Payment Systems is a full service company offering a variety of programs, all of which can provide additional revenue and add to the profitability of our member banks. Heartland Payment Systems is a board and employee owned organization. It is the ninth largest bank processor with a staff of over 650 sales and service agents across the country.

Contact
Ray Zonghetti, Relationship Manager at Heartland Payment Systems
Telephone: (617) 628-0174
Cell: (617) 417-1692
Fax: (617) 449-9524
Visit the Heartland Payment Systems web site.

Group Benefit Plans

The Association offers its members a variety of employee benefit plans through its Group Insurance Trust. (Individual institutions must meet an IRS "common bond" test in order to participate.) Members can select from a range of group life and health insurance plans underwritten by high quality insurers such as Blue Cross & Blue Shield, CIGNA, The Hartford, and Delta Dental. In addition to life and health plans, the Association offers accidental death and dismemberment (AD&D), vision care, business travel accident insurance plans, an employee assistance program (EAP), long-term care, and wellness publications.

Contact
Robert Messing, Director of Administration, Group Insurance Services
Telephone: (617) 523-7595

Research Data Available Electronically

Members can obtain the Association's quarterly research reports on a diskette or by accessing the research section of the MBA website. Twelve Excel spreadsheet files containing the individual bank data provided in the selected financial statistics, loan and deposit reports can be downloaded from the MBA website.

Contact
Anne Carney, Director of Research
Telephone: (781) 585-6834

Employment Applications

The Association offers industry-specific employment applications that are reviewed periodically by our counsel, Goodwin Procter to comply with all state and federal laws. The 6-page applications are sold in sets of 100. Click here to download a sample. Click here to order online.

Contact
Marguerita Jackson, Receptionist/Secretary
Telephone: (617) 523-7595

MBA Publications

The Association also has a full range of publications relating to Massachusetts laws, regulations, records retention, deposit accounts, director/trustee manuals, bank directories, and more.

Contact
Annie Coldstream, Grassroots and Member Services Coordinator
Telephone: (617) 502-3816
Visit the Products page on the MBA web site.