• Kay Eusepi: Allard Architects, Nashville - When I first was informed we would be dealing with Insurors Bank, I sad, “Who? Well, trust me when I say, I now know who you are, what your bank stand for, and make recommendations to anyone who asks to give your bank a chance to provide what I have come to realize is excellent service: service that meets all of Allard Architects business needs, but does so in a friendly, genuinely concerned manner. I cannot sing the praise of Leslie Smith and Tina Melton enough. They have both provided me with the tools and information I need to make our banking experience with you a pleasurable partnership. Leslie and I have had frequent conversations via e-mail and telephone, and she has always provided me with the answers I needed and has become what I call a “business friend”. We can laugh about some of the totally, as I call them “brain dead” issues I have to call and have her help me with. This is such a difference in dealing with a bank who you never know if you are talking to someone down the street or someone on either one of the coast.
  
  The little black box that is on my desk has changed my banking experience, totally! Knowing I can deposit money on a daily basis and not leave my desk has been an experience from heaven!
  
  In closing, may I just say that everyone I have come in contact with at Insurors Bank of Tennessee has provided me with prompt, accurate and friendly service when it was needed. I look forward to a long business relationship with Insurors Bank.
  
  Sincerely,
  Kay Eusepi
   
• Jamie Rothberg: “Insurors Bank saved my life! With the type of business we do (insurance), if you want to borrow money against your business, it is impossible unless someone understands not only your business but the insurance industry. Typical banks do not understand our industry. It is totally different for agencies. The Bank was formed with that purpose...to serve us. Everyone at the bank, including Mike Qualls, the President, Jim Rieniets, Senior Lender, Tina & Scott & Leslie in customer service….they are all great. Everyone is cheerful and always willing to help. No other bank has the level of personal service and attention that this bank offers.”
   
• Michael W. Yates: CPA, Lipscomb and Pitts Insurance, Memphis - Because of our long term relationship with Insurors of Tennessee, we had considered doing some business with the bank for some time, what finally drew us to a relationship with Insurors Bank was simply the rate of return on a money market account. Other banks simply could not match it. However, unique personal service coupled with the trend by numerous banks of aggressively soliciting insurance to our clients has encouraged us to look at more business with the bank in the form of referrals. If we or our clients have a need, we can make a quick phone call and Stiles Rougeou, our regional representative, is quick to respond however possible. He doesn’t hesitate to come to us or our clients. In addition to becoming an alternative for our clients, Insurors bank also hand delivers money bank to our agency, in the form of referral fees for every account we send them, including our own. A bank that offers our clients alternatives and increases our income is a win-win for us.
   
   
• Dennis Russell: Russell Family Enterprise, Inc, Nashville - The first time, I heard about Insurors Bank, I was in search of a commercial real estate loan. I had checked national, state and community banks, when a friend of my father, an independent insurance agent, mentioned Insurors Bank. I checked with them and found them not only to have better rates, but sound financial experts. Jim Rieniets, the senior lending officer, handled my account, personally, and truly impressed me with the level of service he and the bank provided. I know that at Insurors Bank, I can call the president, senior vice-president or anyone within the bank, and they know exactly who I am. I have found that Insurors Bank responds quickly to my requests, in fact, I am extremely confident that if a problem arose, which one never has, that it would be handled promptly. Overall, it has been an excellent working relationship, so much so that I have now switched my personal banking to IBOT, too!
   
   
• Jeff Smith: CFO, Insurance Planning and Service Company Inc - We chose Insurors Bank because their innovative services give us more control and help us save time and money. For instance, since we started using Deposit Bank in mid 2001, it has saved our staff about an hour a day, and that equates to six and a half weeks a year. We no longer have to make up multiple deposit slips and travel to and from a local bank branch. Also, Deposit Bank® gets our funds into our account faster. Because of the large number of deposits we make daily, we saw quickly that this system would make a significant difference. The biggest savings we have with Insurors Bank comes from our ability to initiate ACH transactions online. When customers choose automatic monthly payments, our Insurors account enables us to collect the funds electronically on the due date. We don't have to send a file to someone else and then wait. We get our payments faster, and we keep control. We can check the status any time. This service has eliminated 30% to 40% of our monthly billing cost. We've also seen an improvement in collections. My favorite feature is that the ACH system automatically generates an email message to the customers to remind them we're collecting the payment, so it's not a surprise. And there's no cost to us for this email. We will also soon begin using this feature to initiate ACH payments as well. For example, employee reimbursements will be directly deposited into the employees' accounts, and they will receive an email informing them of the deposit. We expect to save money and time by writing fewer checks. We gladly refer our clients to Insurors Bank because this strengthens our customer relationships. We bring them a great idea that we know will save them money.
    
   
• Bill Wallace: President, Associated Insurors - Insurors Bank is our primary bank. We use business checking, money market account and the sweep product, and Insurors Bank pays above-market deposit rates in our area. We're also saving on payroll expense by using their direct deposit payroll feature. Several of our employees have personal relationships with the bank as well. We've been using Deposit Bank® since its inception. Our staff loves it. Since we no longer have to physically drive to the bank, that gives us about one and half hours extra productive time each week. Deposit Bank® is a good way to maintain records. We get scanned images of the checks, so we don't have to make copies. We also get quicker feedback on bad checks. Early on, we began referring our customers to Insurors Bank, mainly to combat other banks taking our business away. The result has been very good feedback. Our customers tell us the bank's customer service is fantastic, with quick response from bankers who know what they're doing. Contacts are always on a senior level. When Mike Qualls or Jim Rieniets meets with the customer, they can make decisions on the spot. They don't have to call headquarters for an okay. Even when our customers have said no, they've viewed it as a positive experience. The real benefit to our agency is that if we help our customers get help, they become better customers.
    
    
• Glenda Bingham: CFO, Fridrich Pinson and Associates - Deposit Bank® surprised us. We knew it would save time. We didn't know it would bring us a whole new banking relationship. Our agency is on the breaking edge. Any new tool that will help us work faster and smarter, we're willing to try. So when we heard what Deposit Bank® could do, we signed on right away. I sometimes used to stand in line at three different banks to make deposits, but now with Deposit Bank®, I make deposits without leaving the office. And because our money gets to the bank faster, we earn more interest. When I send a deposit, the bank generally credits it within 15 minutes. It's just unbelievably fast. The system gives me full control. I can transfer funds not just from one account to another but from one bank to another. And I have my own password, so I can see the status of all my checks and deposits. Frankly, when we started using this system over a year ago, we expected just to transfer funds into Insurors Bank, then move them immediately to one of our other banks. But that's not what happened. We now use Insurors Bank for everything, our agency operational account, checking and savings. The owners have personal accounts at Insurors. My own personal account is with Insurors now. When one of our associates bought a book of business from another agency, he financed the purchase through Insurors Bank. We very seldom use other banks. Why? I guess with the other banks, along the way, we became just a number. By the time you build a relationship, their employees transfer, and you have to start all over. With Insurors Bank, even the president comes to visit us. It's just so much easier to do business with people you know.
    
   
• Davis Porch: Principal, Porch-Stribling-Webb Agency - With Insurors Bank's premium finance program, we receive funding now in 2 to 3 days, as opposed to 1 to 3 weeks with our former service. My staff is tickled to death. I originally chose to use this service because as an Insurors Bank stockholder, I have an investment to protect. Once we used it though, we found many more good reasons. It's an easy, streamline process with accurate, quick funding. The direct deposit into my Insurors Bank account makes it easy for me to transfer money to pay the company. As the demands on our time increase, it only makes sense to use Insurors Finance because it's so quick and easy.
    
   
• Mark McLeod: Owner, 7 Second Solution - When I first launched my marketing company in August, 2001, I chose Insurors Bank to handle my financial needs. My wife is an independent insurance agent, and we chose to invest in Insurors Bank as stockholders. Knowing what we do about banks selling insurance, it only makes sense that insurance agents should provide banking service. Agents have so much to do with people running their businesses, it's a natural fit. My company manages customer rebate programs, and our checks not only have to be coded just right so they'll run through the system, they also need the right look from a marketing standpoint. Insurors Bank worked with us to make that easy. Deposit Bank® speeds up the entire process. Rebates programs are very time sensitive, so when I receive checks from clients to cover the rebate checks, Deposit Bank® gives me immediate access to the funds. I can enter multiple checks, match, send and track them. I know when they're deposited. I always know the status. As a small business owner, I really like how easy it is to transfer funds between my money market, personal checking and business accounts. I'm not the most technical person, so it helps to know the people at the bank are watching with me. If any little glitch turns up, they work it out. They even called me once about a $6 check, to make sure it was mine. This is just a very convenient way to do business.
    
   
• Alex Wade: Principal, Wade & Egbert Insurance Agency, Nashville - We switched our agency operating account to Insurors Bank when our regular bank started treating us like a number. That bank had so much staff turnover, they couldn’t understand our business or give us the service we needed. Insurors Bank has been a most pleasant change. The people are warm and extremely conscientious. They’ll do anything to accommodate us, and it’s just nicer to deal with people we know. We’ve been very happy with the courier deposit pick-up service, and we’ve referred several of our business clients to the bank for loans. We’re also using their premium financing, which is computer-based and simple to use. When we need to see a bank officer, it’s refreshing that they come to our office. Personally, I never thought I’d ever pay bills with a computer, but now I find it’s easy, and I really enjoy the control I get through Internet banking. When I send deposits to the bank by mail, they’re credited to my account in just a day or two, and I have the receipt within three days. I don’t think we’ve had a single error since switching our accounts to Insurors Bank. I would enthusiastically recommend them to any of my clients and any other agent.
   
   
• Carl Appelt: Principal, A & B Solutions LLC, Nashville - Working with Insurors Bank is like having a real banker – the way a banker's supposed to be. Leslie and Scott are people I really like. They’re pleasant and dedicated. I can talk to them about my banking needs because I know they genuinely care. Mostly, when you do business now, people leave you out there hanging. Leslie and Scott don't do that. They're always responsive.
   
   
• Christy Jones: Customer Service Rep, Insurance Incorporated, Cleveland - I like Insurors Bank’s premium finance service better than others because the people are nicer. When I have to call about something, customer service is great. Overall, we have had good experience and the deals have gone smoothly. Joe Sullivan from the bank walked us through the system when we first signed up, but it’s self-explanatory and user friendly. We didn’t need any special training. It’s easy to look up status information and we’ve had great service on getting our money.
   
   
• Allen Mirse: Tillman/Allen Insurance Incorporated - One thing I like about Insurors Bank’s premium finance service is the ease of getting a quote. Since it’s on the Web, it’s very easy to use, and the interest rate is always up-to-date. We don’t have to change software or spend time on new training. We get accurate quotes, and we can print out the correct forms immediately. Also, the Insurors Bank staff gives us excellent support. They keep an eye on our account to make sure it works smoothly. I feel it’s important to support Insurors Bank, but most of all, this is just a very expedient way to handle our premium financing needs.