28 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 FHN Financial Trae Winston 1000 Ridgeway Loop Rd., Ste. 200 Memphis, TN 38120 (800) 456-5460 trae.winston@fhnfinancial.com www.fhnfinancial.com FHN Financial is an industry leader in fixed income sales, trading, and strategies for institutional customers in the U.S. and abroad. We also provide investment services and balance sheet management solutions. With an average daily trading volume of $7+ billion, FHN Financial transacts business with approximately 50% of all U.S. banks with portfolios over $100 million. First Bankers’ Banc Securities Inc. A.W. Spellmeyer 6800 College Blvd., Ste. 420 Overland Park, KS 66211 (913) 928-6160 awspellmeyer@fbbsinc.com fbbsinc.com First Bankers’ Banc Securities Inc. (FBBS) is a full-service brokerage firm dedicated to serving the investment needs of the banking community. Our reputation for quality investment counseling has made us one of the top choices among community banks throughout the Midwest. Our experienced sales staff is well versed in helping bankers evaluate, analyze and execute fixed income security transactions. We specialize in government, agency, municipal, and corporate bonds, CDs, mortgage-backed securities, mutual funds, and equities. Bond portfolio accounting and analysis, as well as asset/liability management services are also available. Municipal bond credit review is one of our newest services available to community banks. In addition to these services, we can help community bankers with local bond financing issues through our public finance department. 2024 ASSOCIATE MEMBERS
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