| Executive and Director Benefits Consulting | 

Clark Consulting is offering a five-part teleconference series, presented in cooperation with 20 State Bankers Associations, to address risks associated with retaining top-level executives and funding benefit liabilities.  This comprehensive series will address five risk topics and targeted solutions to those risks, including: 1. Mitigating Funding Risk: How to reduce exposure and deliver promises with strategic benefit funding 2. Responding to Business Risk: How to adjust executive compensation and benefit funding to a changing economic environment 3. Preventing Compliance Risk: How to effectively manage the compliance of a bank-owned life insurance program 4. Reducing Benefit Risk: How to protect your most valuable assets 5. Decreasing Retirement Risk: How to plan a more secure financial future Access valuable information and listen to a recording of the first teleconference topic at www.clarkconsulting.com/cbassociation.  A password is required to access the recording.  Go to requests@clarkconsulting.com to request a password.

Bank-owned life insurance (BOLI) has become the prevalent tool for banks to offset the rising cost of employee benefits. As one of the banking industry's first and largest BOLI providers, Clark Consulting can offer a variety of general, separate and hybrid separate account products from nearly 20 of the nation's top BOLI providers to create a portfolio for any size bank.  In working with your bank, Clark Consulting's team – comprised of a BOLI consultant and other members of Clark Consulting's professional staff – will help you evaluate product design options, understand the applicable banking regulations and tax law requirements that apply to BOLI, and develop a portfolio that best suits your investment philosophy.  In addition, as part of Clark Consulting's seamless approach, your Clark Consulting team will continue to provide ongoing consulting and administrative services over the life of your BOLI program.

MARKET PROFILE

Financial institutions of any size that are seeking a strategic financing solution to offset the current and future costs of employee benefits (e.g., medical, group life, qualified and nonqualified retirement benefits).