1. Banking Module
The source for targeted advertising.

2. Banking in 2012 and Beyond
The banking and finance industry is rapidly evolve with the most
recent technological advances. Here are a few predicted trends
that will enhance and effect the Banking/Finance industry in 2012
and beyond.
Digital Money
According to AC Nielsen, 90% of transactions in the U.S. will be cashless by
the year 2020. PayPal already has 63 million accounts, making it larger than
most national banks, prompting the question, “Will physical money soon be a
thing of the past?” Most observers say yes, but don’t underestimate the power
of human nature and tradition.
Smartphones Become Wallets
Mobile phones are replacing traditional items people usually carry, such a
watches and wallets. Smartphones are turning into virtual wallets and will
soon replace traditional wallets as people find it more convenient to carry their
cash digitally.
Acquire More Profitable Customers
The “profitable customer” is no longer the one who falls behind on his
payments. Similar to their tactics with checking accounts, banks are starting
to roll out premium travel rewards on credit cards with higher annual fees,
targeting those consumers willing to pay. We may also see them diversify
revenue streams by increasing reliance on less-regulated products like
medical credit cards and business services.
Source: www.nowandnext.com , 2012.

3. Consumers Banking State of Mind
While the economy is slowly bouncing back from the recession, the mark the recession left
on consumers heavily influences the banking/finance industry.
Risk Remains Top of Mind
• 76% say that what a company must do to earn trust includes “treat all customers fairly.”
• 75% agree they are “constantly aware of the need to identify and manage the risks that surround me.”
• 72% agree that the economic downturn has helped them prioritize what’s important in life.*
Reassess, Reconsider, Remake
• Consumers are more cautions, with 70% agreeing they have become a much more cautious person as a
result of the economic downturn.
• Consumers are more disciplined, with only 46% agreeing that they do not have as much discipline as they
would like when it comes to how to spend money, down from 55% in 2008.
• Consumers are more fiscally responsible, with 72% agreeing they are spending more
responsibly than they were before the recession.*
Spending More, Saving Less, Working Longer
As a result of the economic recession,
• 48% of consumers reduced or stopped saving in general
• 34% reduced or stopped contributing to retirement savings
• 25% reduced or stopped contributing to education savings
• 13% gave up “down time” in retirement to work longer±
Source: *Yankelovich Monitor, 2011; ±TD Ameritrade Investor Index 2011.

4. How Investors Use Multi-Platform Media
Advertisers Spend Where Investors Aren’t Looking
Consumers Advertisers
Use TV
5% Advertising
21%
Internet
($1.11 billion)
Use Internet Publications 48%
38%
Advertising Use Publishing ($2.53 billion)
Advertising TV
57%
($1.61 billion)
31%
Source: “Personal Investing: How American’s Make Decisions”, November 2009

6. The Power of Magazines
• 82% of adults read a magazine last month.
• 80% of adults with household incomes of $100,000+
read magazines.
• The average number of issues read a month is 10.
• On average, 43 minutes are spent reading a magazine.
• More than two-thirds (67%) of readers act on magazine ads.
• Magazines build buzz. Readers are more likely than users
of other media to influence family and friends on products
and services.
• Magazines remain the number one medium for driving
purchase consideration and intent.
Source: Fall 2011 GfK MRI; MPA 2011/2012.

7. Magazines Are a Smart Investment
Adults who read magazines and go online are more likely to be financial influentials.
Internet Users 152
Magazine Readers 138
Business Influential Newspaper Readers 113
Radio Listeners 107
TV Viewers 63
Magazine Readers 150
Newspaper Readers 133
Insurance Influential Internet Users 131
Radio Listeners 117
TV Viewers 77
Source: GfK MRI, Doublebase 2011, Quintile I.

8. Affluent Investors Rely on Magazines
Heavy users of magazine are most likely to be affluent investors. They index
highest for having used any full-service broker in the past year, and for owning
financial accounts with a total value of $500,000 or more.
Affluent Investors Read Magazines
In Past Year Magazines Television Radio
Used full-service broker 134 119 105
Value of total financial
Accounts $500,000+ 127 114 101
Source: Ipsos Mendelsohn Affluent Survey, 2011.
Heavy Media Users, Indexed to Heads of House, HHI $100,000+

9. You Choose. We Deliver.

10. MNI business
MNI Business readers are influential
decision makers who invest for success.
Reader Profile
Median Age: 50
Male/Female: 64%/36% MNI Business Readers are More Likely to
Median HHI: $153,700
Median Net Worth: $713,600 • Make 20+ security transactions in the past year
• Have influence over others when buying and selling securities
• Be a business decision maker for financial services
• Have a household income of $500,000+
• Have liquid assets of $1,000,000+
• Be Alpha Affluents, those age 40 – 64 with a household income
of $250,000+
Target: Investment Influential
MNI Business 248 Composition Index
Adults = 100
Radio 135
Internet 129
TV 114
Source: 2011 Ipsos Mendelsohn Affluent Study, Quintile I.

11. MNI news
MNI News readers are influential
consumers who stay informed.
Reader Profile
Median Age: 48
Male/Female: 62%/38% MNI News Readers are More Likely to
Median HHI: $147,100 • Have a household income of $500,000+
Median Net Worth: $638,700
• Have liquid assets of $1,000,000+
• Be Alpha Affluents, those age 40 – 64 with a household income
of $250,000+
• Make 20+ security transactions in the past year
• Have influence over others when buying and selling securities
• Use a full service broker
Target: Household Income $500,000+
% Reach
44% 6x Schedule
MNI News
13%
The Economist
3%
Robb Report
3%
The Atlantic
*Bloomberg Businessweek is not available in all markets. For more information
please contact your MNI Account Executive or visit mni.com..
Source: 2011 Ipsos Mendelsohn Affluent Study.

12. MNI thought leader
The MNI Thought Leader audience is
authoritative and influential.
Reader Profile
Median Age: 50 MNI Thought Leader Readers are More Likely to
Male/Female: 58%/42%
Median HHI: $149,400 • Make 20+ security transactions in the past year
Median Net Worth: $723.800 • Have a household income of $500,000+
• Have influence over others when buying and selling securities
• Have liquid assets of $1,000,000+
• Be Alpha Affluents, those age 40 – 64 with a household income
of $250,000+
• Use a full service broker
Target: Have $1,000,000+ in liquid assets
% Reach
38% 6x Schedule
MNI Thought Leader
7%
SmartMoney
6%
Kiplinger’s Personal Finance
3%
Barron’s
Source: 2011 Ipsos Mendelsohn Affluent Study.

13. MNI entertainment
MNI Entertainment readers are red-
carpet consumers with spending power.
Reader Profile
Median Age: 40
Male/Female: 33%/67% MNI Entertainment Readers are More Likely to
Median HHI: $68,114 • Pay bills online
• Have a household income of $150,000+
• Obtain financial information online
• Have a 529 savings plan
• Have a personal money manager
• Use ATM/Cash Machines
Target: Pay bills online
% Reach
45% 6x Schedule
MNI Entertainment
20%
US Weekly
16%
Rolling Stone
12%
Star
Source: 2011 Doublebase GfK MRI.

14. MNI luxury
MNI Luxury readers are affluent
consumers who live the good life.
Reader Profile
Median Age: 49
Male/Female: 28%/72% MNI Luxury Readers are More Likely to
Median HHI: $146,700 • Be Alpha Affluents, those age 40 – 64 with a household income
Median Net Worth: $659,700 of $250,000+
• Have a household income of $500,000+
• Be a business decision maker for treasury/banking services
• Have liquid assets of $1,000,000+
• Use a full service broker
• Be a business decision maker for financial services
Target: Alpha Affluents
% Reach
40% 6x Schedule
MNI Luxury
12%
Martha Stewart Living
4%
Robb Report
2%
Veranda
Source: 2011 Ipsos Mendelsohn Affluent Study.

15. MNI family
MNI Family readers are household
decision makers with purchasing power.
READER PROFILE
Median Age: 35
Male/Female: 88%/82% MNI Family Readers are More Likely to
Median HHI: $59,294 • Have a 529 savings plan
• Pay bills online
• Obtain financial information online
• Use ATM/Cash Machines
• Have overdraft protection on bank accounts
• Prefer to bank in person (over 50%)
Target: Have a 529 College Savings Plan
MNI Family 129 Composition Index
Adults = 100
Newspaper 114
Radio 108
TV 99
Source: 2011 Doublebase GfK MRI, Quintile I.

16. MNI style & design
MNI Style & Design readers are
contemporary women with
sophisticated style.
READER PROFILE
Median Age: 50 MNI Style & Design Readers are More Likely to
Male/Female: 25%/75% • Be Alpha Affluents, those age 40 – 64 with a household income
Median HHI: $72,504 of $250,000+
Median Net Worth: $637,700
• Use a full service broker
• Have a household income of $500,000+
• Have liquid assets of $1,000,000+
• Be a business decision maker for treasury/banking services
• Be a business decision maker for financial services
Target: Use a Full Service Broker
% Reach
36% 6x Schedule
MNI Style & Design
13%
Martha Stewart Living
10%
Architectural Digest
3%
Veranda
Source: 2011 Ipsos Mendelsohn Affluent Study.

17. Increase Ad Effectiveness
Don’t miss your chance to really get noticed with MNI’s on-page products.
Eye-catching, attention-grabbing creativity that makes function fun.
• Deliver memorable messages with unique ad formats.
• Increase readership and response by providing a powerful
call-to-action.
• Allow for easy tracking to measure the success of your ad.
Post-it® BRC Laminated Card Gatefold

19. Online Banking
The internet is an integral part of everyday banking. Online banking
volume across top 10 banks grew to 65 million customers.
Source: comScore, February 2012.
LDA Customers = Liquid deposit account customers include users of checking, savings, and money market accounts.

20. Online Ad Spending Projected to Increase
Bank spending online is projected to reach $5.54 billion by
2015, doubling the category spending since 2009.

21. Banking & Finance Advertising Thrives
• The banking industry spent more than $321 million on
display advertising in Q4 2010 alone, generating 90 billion
impressions.
• Financial services ad revenue increased by 33.5%
between the first half of 2010 and the first half of 2011.
• One-third of respondents believe they will be increasing
their banking and finance ad spending in 2012.
Source: eMarketer, 2012.

22. MNI Digital
• Hyper-targeting expertise with a full service, in-house team of digital experts.
• 8,000+ site partnerships with over 9.5 billion impressions purchased in the past five years.
• Branded, trusted national and local sites.
• Proprietary Omnipoint system for campaign creation, research, reporting, and optimizing.
• Best-in-class service with proprietary ad tracking systems.

23. 8,000+ Partner Sites
Targeting and creative make online more effective.
• IP address • Destination • Search Retargeting
• Geographic • Contextual • Spongecell
• Day-part • Behavioral • Linkstorm
• Custom Audience • Retargeting • Oggifinogi
• Weather-Triggered • Demo • PointRoll Rich Media

24. Agency Partnerships

25. Customized Online Display Campaigns
MNI delivers highly customized campaigns to exceed your objectives through our targeting
capabilities, dedicated team of digital experts, and plethora of historical knowledge.
From local, scalable online display campaigns and
top-tier digital networks, to local search and effective
mobile ads, MNI Digital offers the ideal solution for
getting your ad noticed by the right audience at the
right time. Our extensive client roster shows our
expertise in providing results for ad agencies, small
and large businesses, and everyone in between.
With More than 8,000 Online Partners,
MNI Digital Makes it Simple to Connect
with Your Audience.
• Expert market analysis and campaign strategy
• Full-service media planning and buying
• Ad trafficking, serving, reporting, and optimization
• Post-campaign analysis and recommendations
• Reliable reconciliation and a single invoice

26. MNI Ad Network
A Simple Solution to Reaching Your Audience in the
Markets You Want, at a Cost-Effective Price
MNI has been the targeting expert for more than 40 years, and in addition to
top data providers and retargeting technologies, MNI can also improve your
campaign’s efficiency with demographic and behavioral targeting, or develop
a custom channel to reach the consumers you need to grow your business.
Performance MNI Ad Network
and Transparency Fast Facts
The MNI Ad Network combines the
• Reach 69% of the total
benefits of a network with the
online audience
transparency of a custom site-by-
site campaign for maximum ROI. • 150 million monthly
Get the traffic and reporting you unique visitors
need, and the performance you
• 17 billion monthly page
want, all in one simple buy with
views
MNI’s proprietary ad network
Source: comScore November 2011.

27. MNI Ad Network
The Best
Data Providers,
Smart Solutions
MNI partners with the best data
providers in the industry to offer
advertisers enhanced targeting
and campaign efficiency. MNI’s
dedicated team of media
professionals makes sense of
the data and makes complex
campaigns simple.
Advanced Targeting Capabilities
Take advantage of MNI’s history as advanced targeting experts with these proven techniques
for making campaigns more effective:
Behavioral Demographic Contextual Geographic By Daypart Retargeting

28. MNI Local Site Network
A Simple Way to Reach Consumers Close to Home.
With local site networks, MNI Digital makes it easy to connect with consumers
where they live, work, and travel to. The internet is a powerful resource for
consumers, and savvy marketers know they need to be where their customers
are—on local media sites.
Benefits of the MNI Local Site Network
• Broad reach across market-specific sites
• All the benefits of a network buy, with the reporting of a
site-by-site campaign
• Strong performance to maximize ROI
• Competitive and efficient CPMs
Get Your Business on the Map
Advertising on local media sites with MNI allows marketers to target
audiences with relevant local content in highly-defined geographical areas.
Local Ads Mean Business
Instantly increase awareness and relevance with your localized ad
message on trusted local sites.
All Advertising is Local Advertising
Local, geo-targeted digital campaigns are ideal for isolating key audiences and
markets, providing potential customers with specific hometown information that
meets their needs.

29. Research Trends: Local Advertising
• Investment in U.S. online advertising is growing and is projected
to enjoy double digit growth through 2014. BIA/Kelsey estimated
U.S. Local Online Ad Spending to be $23.3 billion in 2011.
• U.S. agencies surveyed stated that 90% of clients ask for
geographically targeted ads.
• Local search, mobile devices, hyperlocal communities and daily
deals are growing in popularity with consumers, each offering on-
demand access to community news and information.
• Targeted display ads dominate local online advertising; by 2015,
targeted display ads are projected to grow to $11 billion.
Source: eMarketer, December 2011.

30. MNI Local Search
MNI Makes it Easy for Local Consumers to Find You with a
Search Campaign that’s Turnkey and Effective.
If used properly, Search Engine Marketing (SEM) can be a valuable lead source
with incredible ROI. Without the right information and resources, SEM can also be
a time and money drain. MNI makes SEM simple and effective by providing solid
local advertising strategies that get results!
Successful Local Search Campaigns Start with MNI
• Reaches 94% of web searchers in a given market
Reach 94% of
• Provides geo-targeted advertising to specific local markets Web Searchers
• Builds a comprehensive list of relevant and locally modified keywords
• Partners with leading search engines: Google, Yahoo!, and Bing
• Tracks post-click actions (e.g., phone calls, emails, and other online activities)
• Optimizes your campaign, and monitors bids to maximize leads, increasing ROI
• Provides transparent results by keyword and search engine
Source: comScore.
The Power of SEM
• 46% of all U.S. online ad spending for 2011 was on search.†
• B2B and B2C marketers believe that, respectively, 57% and 41% of their leads come from SEM.*
• 53% of B2B and B2C marketers will increase their SEM budget in 2012.*
Source: comScore.
Source: †September 2011 eMarketer, *October 2011 eMarketer.

31. Research Trends: Local Search
• Local online and mobile search offer consumers on-demand access
to information; 53% of U.S. internet users sought local community
information on search engines.
• 70% of consumers checked out local businesses or restaurants
online before shopping. 17% of these consumers relied on the first
listing on the search engine results page, highlighting how
convenience trumps relevancy.
• 41% of marketers believe that having a local search presence was
important, if not critical, for achieving search marketing objectives.
Source: eMarketer, December 2011.

32. Spongecell
MNI provides vibrant, rich media that transforms a standard display ad into an eye-
catching, interactive opportunity. This treatment is ideal for direct response or
branding campaigns, as increased interactivity improves effectiveness and ROI.
Spongecell interactive options include
• Test special offers
• Sign up for a checking account
• Branch locations
Robust, easy to use reporting collects
consumer action data right inside the ad.
These unique metrics provide more data
than click-through alone.
• Real-time reporting
• Detailed metrics
• Download XLS or share reports
Capabilities are dependent on goals and objectives of campaign.

33. Behavioral Targeting
Behavioral targeting tracks the action of thousands of users as they surf the web and
aggregates them for trends, becoming the basis for targeting.
This online technique that serves ads based on algorithms and behavioral targeting shares some key elements with
paid search advertising. Information can include purchase trends or be merged with visitor demographic data such
as age, gender and ZIP code.
Behavioral targeting segments the audience based
on observed and measured data, including
• Page/site users visit
• Content viewed
• Search queries
• Ads consumers click on
• Information they share on social sites
• Product(s) consumers put in online shopping carts
Capabilities are dependent on goals and objectives of campaign.

34. MNI Retargeting
MNI Retargeting allows advertisers to reach consumers who
have already visited your site with a retargeting network.
Retargeting encourages users to:
• Complete a form for more information
• Answer a survey
• Enter a contest/sweepstakes
• Purchase a product or service
Retargeting Increases ROI and Online Conversion Rates
MNI Retargeted display ads are available on thousands of sites across the web. Retargeted ads
get served for 30 days, or until the user returns to the site and converts.
• On average, 98% of prospects leave a site without converting. MNI Retargeting allows you to
raise awareness and stay top-of-mind with these potential customers.
• Retargeted customers are five times more likely to convert than new customers.
• Retargeted customers typically spend more per conversion than non-retargeted customers on
where your lost prospect goes.
Source: Imedia Connection, 2010.
Capabilities are dependent on goals and objectives of campaign.

35. MNI Digital and Oggifinogi
MNI Digital’s partnership with industry expert Oggifinogi provides highly
interactive rich video campaigns in real time, with extensive optimization and
analytics.
MNI Digital and Oggifinogi offer cutting edge technology, including
• Impressive reporting techniques to help create a deeper analysis than basic
impression and click through tracking.
• Creative unit design with Oggifinogi’s patent pending wizard and orb technology to
create campaigns quickly with much richer features.
• Full video management system for campaigns featuring multiple commercial,
webisodic and branded videos, dynamic playlists, branching video,
transcoding and syndication support.
• Flexibility making it easier to modify ad units to include additional features.
Capabilities are dependent on goals and objectives of campaign.

36. Floodlight Tagging
Floodlight tags help advertisers track how consumers are using their website.
Floodlight Tagging tracks the number of times individuals click-through to advertiser’s
landing pages after seeing the ad, helping advertisers track how consumers are using
their website at no extra charge.
Tag activity is reported in DART only if it is triggered by a user who
• Clicks an ad and is sent to the website, or views an ad and accesses the website
sometime in the future.
• Performs an activity on a web page containing a tag.
• Performs this activity within 30 days of clicking and/or viewing a tagged ad.
Capabilities are dependent on goals and objectives of campaign.

37. Best-in-Class Services
MNI Digital provides one resource for expert online planning, negotiating, buying, reporting,
optimization, and billing.
Nielsen//Net Ratings
Critical internet media and market research and analysis for optimal site
selection.
comScore, Inc.
A global internet information provider for consumer behavior insight.
Spongecell
Rich Media with innovative ad engagement and interaction opportunities.
DoubleClick MediaVisor
The planning and operations center for your online campaign.
DoubleClick DART®
A reliable, scalable tool for serving and analyzing online campaigns.
PointRoll
Innovative, rich media technology solutions.

38. Measurable Results
Reliable and measurable data guaranteed
to maximize your online buy.
DART Frequent reports on campaign performance
by site and placement; detailed optimization analysis with
actions taken.
Post-campaign performance analysis with
site summary, campaign learnings, and recommendations
for future schedules.
Dedicated analytics team to support, analyze,
and optimize.
Example Report:
Online Media Campaign Performance Report
Reporting Period: 10/14/2011-11/21/2011
Dollars Delivered Impressions Clicks
Index to Index to Clicks
Planned Actual Planned Actual Click Rate
Actual Actual Recorded
Site
MNI Digital Ad Network_InMarket MBA_Flt1 $ 10,000 9,973 100% 1,176,471 1,173,292 100% 304 0.03%
MNI Digital Ad Network_Business/Finance_Flt1 $ 8,700 8,518 98% 1,087,500 1,064,802 98% 438 0.04%
MNI Digital Ad Network_InMarket MBA_Flt2 $ 8,000 - 0% 941,176 - 0% 0
MNI Digital Ad Network_Business/Finance_Flt2 $ 8,000 - 0% 1,000,000 - 0% 0
Totals 34,700 18,491 53% 4,205,147 2,238,094 53% 742 0.03%

40. New Age of Tech Adoption

41. Mobile Finance Has Come of Age
Nearly one in five mobile device owners accessed financial info from their phone.
Source: comScore, February 2012.

42. Consumers Act on Mobile Advertising
Mobile’s ability to reach consumers in-market, coupled with
emerging trends such as geo-location, can help advertisers
make an immediate impact.
After viewing a mobile ad, consumers take the following actions
• 63% browse a website
• 56% download a mobile app
• 45% watch a video
• 43% redeem or download a coupon
• 30% request more information
• 29% purchase a product
Source: eMarketer, September 2011.

43. MNI Mobile
MNI Mobile helps advertisers take advantage of the growing mobile
marketplace with location-based consumer targeting and top quality
national brands.
MNI has a dedicated team of digital targeted market experts who are well-versed in
developing full-service, robust, customized solutions for your business. From strategic
development and implementation to optimization, reporting and post-campaign analysis,
making mobile simple.
MNI Mobile Networks Provide
• Access to your audience wherever they go
• Opportunities to offer coupons and promote sales
• Eye-catching and memorable rich media creative

44. Reach Your Audience & Objectives
Advertisers are increasingly turning to mobile marketing as a
dynamic solution for reaching consumers efficiently and effectively.
Ensuring that advertisers get their message in front of their
ideal audience, MNI Mobile can target consumers by
• Geography
• Demographics
• Channel
• Carrier
• Handset model
• Handset features
• Manufacturer
• Operating system
• Location-Based/Geo-Fencing
• And more…

45. Tech Savvy Meets Tech Simple
With our exclusive partnerships and full-service team of dedicated
targeted advertising experts, MNI Digital is fully-equipped to develop a
robust, customized solution for your business.
MNI Digital delivers turnkey mobile campaigns, including
• Strategic development
• Implementation
• Optimization
• Reporting
• Post-campaign analysis

46. Creative Executions
Go local, Get results.
MNI Digital offers flash and rich media options across every
major carrier, with expert partnerships that deliver the
largest reach and most diverse solutions.
Reach your marketing objectives with
creative executions that are
• Perfect for building brand awareness
• Cost effective
• Available on a massive scale
• Universally available on any mobile device
• Interactive and engaging to a tech-savvy audience
MNI Offers a breadth of creative opportunities
to reach your target audience
• Static Ads
• Standard Flash/HTML5 Creative
• Rich Media including expandable and videos
• Click through or click to call functionality

47. SMS/Text Message
Visibility is valuable.
Benefit from the billions of text messages sent every day
by adding an SMS/Text messaging component to your
MNI Digital campaign.
MNI Digital makes it easy for you to gain greater brand visibility and
interaction with your audience, which translates into a measurable
increase in your ROI.
• Personal, opt-in communication
• Highly interactive
• Localized messaging
• Direct response driven
• Drive sales and track responses

48. Research Trends: Mobile Marketplace
• Search is predicted to account for the largest share of total
U.S. mobile ad spending in 2015 at 40% followed by banner
ads and rich media at 36%.
• Local mobile advertising is predicted to account for 70% of
mobile ad spending in 2015.
• 90% of U.S. mobile users age 18-39 looked up local retailer
information on their local device; more than half also
researched an online purchase or sought out a coupon.
• 56% of mobile users are searching through apps, a
noteworthy increase from 2010’s 42%.
• Geo-targeting is on the rise showing a 24% growth from Q1
to Q2 2011 for local-targeted display ads.
Source: eMarketer, December 2011.

49. Research Trends: Mobile News
• Local news is going mobile with nearly half of Americans getting
some local news information from their cell phone or tablet.
• 42% of mobile device owners report getting weather information
on their cell phone; 37% say they get material about restaurants
or other local businesses on their phones.
• Mobile news consumers are younger, live in higher income
households, and are newer residents of their communities.
• One fourth of mobile local news consumers report having apps to
help them get information about local news.
• Most local news consumers participate in local news by sharing
or posting links and stories.
Source: Pew Research Center; State of the News Media 2011.

51. MNI’s Powerful Partnerships
Amegy Bank Fidelity Investments Lakeland Bank Suntrust
Ameriprise Financial Fiduciary Trust LowerMyBills.com TD Bank
Associated Bank-Corp. Fifth Third Bank/OH Lowry Hill TD Bank/NJ
BB&T First Bank M & I Bank Texas Capital Bank
Blackhawk Network First Bank/CO M&T Bank Texas Dow Employees Credit Union
BOK Financial Corporation First Choice Bank Missouri Bank The Education Plan
California Bank & Trust First Citizens Bank/NC Montgomery Bank The PrivateBank
Capital One First Niagara Financial Group National Penn Bank TIAA-CREF
Charles Schwab & Co. First Republic Bank NBT Bank Tompkins Financial Center
Chase Card Services First Tennessee Bank Nevada State Bank UBS Financial Services
Chase Card Services/AARP Fisher Investments New Alliance Bank UHY Advisors LLC
Chase Card Services/United Mileage Plus Visa Florida Prepaid College Program North Carolina Savings Plan Unibank
Chase Retail Harris Bank National Association One West Bank Union Bank
Citibank, N.A. Harris Trust PNC Bank Corp. US Bank-Minneapolis
Coastal Federal Credit Union Harris Trust/Savings PNC Financial Services USAA
Cole Taylor Bank Huntington Bank Propel Financial Services Utah Educational Savings Plan (UESP)
Community Bank IBC Bank Provident Loan Society Virginia College Savings Plan
Country Financial International Monetary Fund PSECU Wells Fargo - WI
Eastern Bank Intrust Bank RBC Bank Wells Fargo Bank - Sf
Fannie Mae John Hancock Schneider Downs & Co Wells Fargo Funds Management
Fenimore Asset Management Johnson Bank/Johnson Financial SMART Wintrust Financial
Fidelity Homestead Savings Bank Key Bank StellarOne Corp Zions National Bank