Based in Austin, Texas, 21st Century Financial Services (21st CFS) provides a tailored data processing solution specifically for de novo and small community banks wanting to take full advantage of Check 21. With a completely-integrated suite of options, 21st CFS can lower expenses, reduce labor, improve financial reporting, increase availability of funds and extend a competitive advantage by eliminating paper processing. Integrating best-of-breed technology with industry- leading software, 21st CFS delivers the most efficient, easy-to-use and cost-effective solutions available in the market today while providing superior personalized service. For more information please visit www.21cfs.com.

Abound Resources is a technology advisory firm that helps new banks make the right technology decisions, as well as monitor ongoing vendor performance. Because of their backgrounds as bank executives and their experience helping banks with over 300 technology selection projects, Abound Resources guarantees that you will make the right technology decisions to meet your future needs.

The number of decisions a new bank must make can be overwhelming - core systems, Internet banking, cash management, branch systems, item processing, phone and data network, information security systems, etc. Abound Resources will help you find the right combination of vendors and products to support your plans. They will cover all the regulatory bases to speed up charter approval and to keep you in compliance from day one. And they will save you big bucks on contracts so you can better deploy your capital to grow your bank.

For more information, please visit: www.AboundResources.com or contact Brad Smith, President of Abound Resources, Inc., at 512.351.3700.

Fidelity Integrated Financial Solutions (IFS) is a leading provider of information-based technology solutions for the financial services industry with capabilities that include core processing, check imaging, eBanking, business intelligence and regulatory solutions. At Fidelity IFS, we take a strategic approach by offering total financial solutions that are comprehensive, fully integrated and delivered via a single point of contact. This unique approach empowers financial institutions to optimize efficiencies, mitigate risks, maximize revenues and fortify relationships with their customers. For more information, call 877-482-8786, e-mail us at ifs.info@fnf.com or visit www.fidelityifs.com.

Wondering where to begin? Fiserv, Inc. (Nasdaq:FISV), a Fortune 500 company and a trusted technology advisor to De Novo banks, provides banking technology and services to more than 17,000 banks nationwide. You can choose from a selection of solutions and fine tune your technology precisely to your business focus: wealth management, business banking, or under-served markets. Build your new bank on the strongest possible technology platform with capital-friendly delivery options. Major services include: in-house or outsourced core account solutions; check, electronic payment, and national clearing transaction processing; electronic funds transfer for debit, credit, and stored value payment processing; Internet banking, bill payment, and cash management; and complete fraud, security, and financial reporting. Grow with the confidence that your technology will grow with you.

For more information, call 800-872-7882, email us at denovobanking@fiserv.com, or visit www.fiserv.com/denovo.htm.

Hunton & Williams LLP is a US law firm with a significant international presence. More than 975 attorneys in 19 offices serve clients in over 100 countries around the world. We provide our clients with knowledge and advice covering virtually every discipline of the law. With fourteen offices in the United States, two in Europe and three in Asia, we can respond knowledgeably, effectively and quickly, whether the issue is international, national, regional or local.

For additional information, please contact Peter Weinstock, Partner, Global Capital Markets and Mergers & Acquisitions, Hunton & Williams LLP at: (214) 468-3573 or pweinstock@hunton.com

IBT's mission is to be the energy behind retail results - helping clients to achieve an enhanced consumer experience through innovative concepts, high quality design and critical training. IBT offers a comprehensive range of integrated services, including: retail distribution strategy, turnkey design, construction & program management, merchandising, diversity programs, performance training and coaching. Whether a first branch or fiftieth branch, we understand that the spaces we design, build and support are a direct reflection of our clients and are critical to their success. With over 20 years of experience, IBT has provided services to more than 175 retail clients and more than 550 financial services clients, delivering thousands of commercial spaces worldwide. From design to installation to on-going training and support, we are committed to delivering on-time, on-budget and exceeding our client's expectations.

For more information, please visit: www.ibtenterprises.com, or contact us at 770.381.2023 or email us at ibtinfo@ibtenterprises.com.

During the past 12 months, more than 45 De Novo banks have selected Jack Henry as their technology partner. Jack Henry's ability to support bank-specific requirements at any size with a best-of-suite product approach integrates parameter-driven core functionality with more than 70 complementary products and services. These products and services include: state-of-the-industry business intelligence, retail and business banking, Internet banking and EFT, risk management and protection, and item and document imaging solutions. With open connectivity to proven third-party products, Jack Henry's open architecture and relational database technology allows de novo banks the ability to run in either in-house or outsourced operating environments.

The Jack Henry solution allows De Novo banks to:

• Execute and optimize dynamic business and growth strategies
• Aggressively and successfully compete
• Efficiently and effectively serve their customers, and
• Capitalize on the dynamic trends that are shaping the financial services industry and consumers' expectations.

Jack Henry has the proven products, implementation methodology, and experience to support virtually any timeline, whether a bank receives its charter and has 60 days or 12 months to open. Visit us today at www.jackhenrybanking.com or call us at 1-980-235-1322.

Luse Gorman Pomerenk & Schick, P.C. is a Washington, D.C. based law firm that specializes in securities, corporate and financial institutions regulatory and transactional law, as well as executive compensation, employee benefits and taxation. Our law firm has gained a reputation for finding innovative solutions to complex corporate, securities and regulatory law problems for financial services companies. During the past decade, we have been issuer's or underwriter's counsel for more than 150 public offerings (including more than 100 initial public offerings), and we have acted as legal advisor for nearly 100 merger and acquisition transactions. We have consistently been ranked among the top ten law firms in the United States in number of issuer's counsel stock offerings registered with the Securities and Exchange Commission. Our clients include savings banks, community banks, domestic and foreign money center banks, credit unions, insurance companies, investment banks, high-technology companies and industrial corporations.

Nexity Bank provides various correspondent banking services to community banks located throughout the United States with a concentration in the Southeastern, Southwestern, and Mid-Western regions. Our correspondent banking services include the purchase and sale of loan participations with community banks; fixed income investment services, investment consulting, brokered deposits, issuance of trust preferred securities, asset/liability modeling and advisory services, bond accounting, and safekeeping services; capital planning; wealth management programs for community banks; and cash management programs, including traditional and electronic clearing programs and overnight Fed Funds services to customer banks. The company is headquartered in Birmingham, Alabama and has correspondent banking offices in Atlanta, Charlotte, Columbia, Dallas/Fort Worth, Kansas City, Milwaukee, Myrtle Beach, Orlando, and Winston-Salem.

Please call Frank Wagnon or Shaw Lokey today at 877.343.9009 or visit us at www.cbs.nexitybank.com. We are honored to serve you!

In their financial institutions practice, the firm of Powell Goldstein, LLP assist banks, thrifts and other financial services companies based in the Southeast and throughout the United States. Their technical knowledge, coupled with their innovative solutions and our extensive ties to financial institution regulators, trade associations and service providers, make them invaluable assets to their financial services clients who seek counsel in community banking, mergers and acquisitions, regulation and compliance, securities and capital management, Subchapter S elections, Internet banking, de novo banking, holding companies, wealth management, insurance, brokerage and other financial services.

Solis Security provides a range of critical security and I.T. services, allowing new banks to focus on growth without distractions. From the initial installation of phone and data networks to a complete, regulatory-compliant information technologies infrastructure, Solis Security provides a solid and secure foundation for your business. Secure, available data is the lifeblood of a bank. Both external attacks from the Internet and insider misuse are increasingly more common and more costly. In addition, financial institutions are faced with an increasing gap between regulatory expectations and their ability to meet them. Solis Security can fill that gap, ensuring peace-of-mind and compliance from day one.

Taylor, Bean and Whitaker is a fully-integrated third-party lender focused solely on mortgage lending,. As a top-10 national wholesale lender and the largest privately held mortgage company, Taylor, Bean and Whitaker provides a wide array of loan products at competitive rates. We also offer a complete Mortgage Solutions Program which enables community banks (including De Novo banks) to build their mortgage operations and generate untapped fee income potential. Selected as the Independent Community Bankers of America's preferred mortgage services provider, we are committed to building strong relationships with community banks, and have been doing so for over 25 years.

For more information, please visit: www.taylorbean.com, or contact, Mark Hammond, National Sales Manager for the community bank division for Taylor, Bean & Whitaker. mhammond@taylorbean.com or 678.742.4956

The Entrust Group is the world's premier provider of account administration services for self-directed retirement plans. Our nationwide network of local offices is comprised of financial professionals, making us the acknowledged authority in self-directed retirement accounts.

For over 25 years, our mission has been to create knowledgeable and confident investors who have greater power to shape their financial futures through a wider array of investments. Our commitment is to be the knowledge leader in our field, and to provide our clients with guidance to ensure they stay within the boundaries of regulations and requirements.

We also offer continuing education courses endorsed by the CFP Board of Standards, the National State Boards of Accountancy, and by local governments for financial planners, CPAs, and realtors.

For additional information, contact Lisa Bromma, President of The Entrust Group at: 775.880.9110 or lbromma@theentrustgroup.com.

James R. Miller provides community bank managers and directors with services that enhance the competitive and capital position of their institutions, giving them the edge they need in the rapidly changing investment market.