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STEP ONE - MAKE THE CALL

                                                                                   SPONSORS                                                 Edith Snow
                                                                                   TITANIUM                                               817-676-3316
                                                                                   The Baker Group
                                                                                   PLATINUM                                                James Walsh
                                                                                   Federal Home Loan Bank of Dallas                       281-794-0065
                                                                                   GOLD
                                                                                   Advantage Health Plans Trust                          Celena Ivanitch
                                                                                   Deluxe Corporation
                                                                                   Fitech Payments                                        512-787-2164
                                                                                   IBAT Services Inc.
                                                                                   ICBA                                                  Richard Grimes
                                                                                 PULSE, a Discover Company                              469-543-9337
                                                                                   SILVER
                                                                                   Bank Compensation Consulting, Inc.
                                                                                   BKD, LLP
                                                                                   Diebold Nixdorf
                                                                                   Hunton & Williams, LLP
                                                                                   RSM US LLP
                                                                                   Strategic Resource Management
                                                                                   TIB-The Independent BankersBank
                                                                                   BRONZE
                                                                                   Alston & Bird LLP
                                                                                   American National Insurance Company
                                                                                   Bracewell LLP
                                                                                   Continuity
                                                                                Davis Kinard & Co, PC
                                                                                   Deluxe Strategic Sourcing
                                                                                   Enacomm
                                                                                   Equias Alliance
                                                                                   Fenimore, Kay, Harrison & Ford, LLP
                                                                                   Frost Bank
                                                                                   Kennedy Sutherland LLP
                                                                                   Moss Adams
                                                                                   Travelers
                                                                                 Whitley Penn
                                                                                   BLUE RIBBON
                                                                                   All Covered
                                                                                   Andrews Positive Change Projects, LLC
                                                                                   The Bank Advisory Group
                                                                                   The Bankers Bank
                                                                                   Beard Kultgen Brophy Bostwick &
                                                                                    Dickson, PLLC
                                                                                   Black, Mann & Graham, LLP
                                                                                  ePay Resources
                                                                                   Finastra
                              1) ICBA President & CEO Cam Fine addresses the IBAT Board.  First Data Online Banking
                              2) Outgoing IBAT Chairman Darla Rooke, Junction National Bank.  Fiserv
                              3) Lt. General Russel L. Honoré, USA (Ret.).         Glory Global Solutions
                              4) Morgan Hopson plays the National Anthem.          Henry & Peters, P.C.
                              5) Dr. Ray Perryman.                                 Main Street, Inc.
                             6) National bank regulator panel: Steve Scurlock, IBAT; Javier   MG Architects
                                                                                   Millennium Trust Company
                                Maymir, Terry Richter, Troy Thornton and Scott Ward, OCC.  Norton Rose Fulbright US LLP
                              7) State bank regulator panel: Kristie Elmquist, FDIC; Robert   PeirsonPatterson, LLP
                                Triplett, Federal Reserve; Caroline Jones, Texas Department   Q2
                                of Savings & Mortgage Lending; Charles Cooper, Texas   Sandler O’Neill & Partners, L.P.
                                Department of Banking.                             Sheshunoff & Co Investment Banking
                              8) Newly-elected IBAT Chairman Joe Kim King, Brady National   Smith Hamilton
                                Bank.                                              Stephens Inc.
                              9) Sandy Brown, Chet Fenimore, Rick Brophy, Peter Weinstock.  Yennik, Inc.
                             10) Julie Courtney and Kathy Smith check out a live auction item.




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