policies by covering the existing commercial deductible layers, increasing coverage levels on existing policies (excess layers) and identifying other currently unfunded risks to insure where commercial insurance is not available to the bank. Through a captive, banks can: improve their enterprise risk management; better manage unfunded risks; formalize a self-insurance program; realize efficiencies and savings related to insurance expenses and loss mitigation; and take advantage of a small business incentive available under a section of the Tax Code. What makes KeyState’s Bank Captive Program different from its competitors? The primary differentiator is KeyState’s deep knowledge and specific expertise working with banks and their regulators in evaluating structures and responding to regulator inquiries. KeyState’s team offers a turnkey product and assists the bank every step along the way. Lee & Mason Financial Services Inc. Lee Lester 1554 Ormsby Station Ct. Louisville, KY 40223 (888) 685-8442 llester@leeandmason.com www.leeandmason.com Lee & Mason’s key line of business are: Blanket Lender’s Single Interest (LSI) or Vendors Single Interest (VSI), gap coverage for auto and leasing, insurance tracking and collateral protection insurance (CPI). For mortgage lending, we offer lender-placed mortgage hazard coverage with or without insurance tracking, flood coverage, as well as blanket mortgage hazard coverage and mortgage impairment protection. Travelers Drew Niermann 1301 E. Collins Blvd., Ste. 111 Richardson, TX 75081 (314) 579-8342 anierman@travelers.com www.travelers.com Travelers Insurance Companies offer a wide range of insurance products through Travelers SelectOne for community banks. Our products include: financial institution bonds, D&O, property & casualty, errors & omissions, etc. Investment Services D.A. Davidson & Co. Grant Knowlton 800 W. 47th St., Ste. 512 Kansas City, MO 64112 (816) 360-2279 gknowlton@dadco.com www.dadavidson.com D.A. Davidson & Co.’s Fixed Income Capital Markets group is a national leader in raising capital through fixed income banking, distribution and depository strategy. With 34 locations in 20 states, the group is consistently ranked among the top investment firms in the country. The fixed income team serves new issue clients in public finance and taxable debt issuance and maintains a diverse sales and trading group interacting with taxable and tax-exempt investors including banks, credit unions, insurance companies, bond funds, money managers and trust companies. Within the banking sector, the team offers a number of balance sheet services including fixed income sales, credit risk management, liquidity strategies, brokered CD underwriting and whole loan portfolio solutions. 33 2025 ASSOCIATE MEMBERS
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