Brian Gallagher Design
Laura M. Henkes
Editorial Advisory Board
Tammy Andrews, CFMP
The Bank of Elk River
Elk River, Minn.
Don Martin, CFMP
Charlotte State Bank
Port Charlotte, Fla.
Lisa Michelone, CFMP
Senior Vice President, Marketing
Paul E. Holdsworth
Susan B. Bergen-Painter, CFMP
Executive Vice President, Chief
Angela Brusa, CFMP
Vice President/Director of
Bank of Stockton
Laura Pomerene, CFMP
Vice President and Marketing,
First National Bank and Trust Co.
Scott Williams, CFMP
Senior Vice President, Chief
Wallace Holdsworth Sr.
W.G. Holdsworth & Associates
5122 West Gunnison Street
Chicago, IL 60630
Phone: (773) 481-2140
Fax: (773) 481-2103
Address all articles, letters, and other
ABA Bank Marketing
American Bankers Association
1120 Connecticut Avenue, N. W.
Washington, DC 20036-3971
For information about your subscription,
or to subscribe, call ABA Customer
Service at (800) BANKERS or
(202) 663-5087; or fax to (202) 663-7543.
$80—ABA Member Price*
2–5 subscriptions—save 15%
6–10 subscriptions—save 25%
11–20 subscriptions—save 35%
21–25 subscriptions—save 45%
26+ subscriptions—save 50%
$15 per copy, prepaid, for members of the
ABA Marketing Network.*
$20 per copy, prepaid, for nonmembers.*
*AL, AZ, CA, CO, DC, FL, GA, HI, IL, IN, KY, MA, MI, MO, NC,
NJ, NY, OH, PA, RI, SC, TN, TX, U T, WA, WI, WV, and WY
residents add appropriate sales tax.
Article reprints are available in
quantities of 25 or more. For more
information, contact Lindsay Wilson at
The YGS Group at (800) 494-9051, ext.125.
© 2012 by American Bankers Association. All rights reserved. Materials may not be reproduced without written
permission, except for educational purposes where fewer than 25 photocopies are being reproduced. Address
copyright queries to Jill Goldman at email@example.com.
ABA Bank Marketing is a product of the ABA Marketing Network and the American Bankers Association. ABA Bank
Marketing (ISSN 1539-7890/USPS 041-080) is published monthly with combined issues in January/February and
July/August by the American Bankers Association, 1120 Connecticut Avenue NW, Washington, DC 20036-3971.
Periodicals postage paid at Washington, DC, and at additional mailing offices.
“This publication is designed to provide accurate and authoritative information in regard
to the subject matter covered. It is sold with the understanding that the publisher is
not engaged in rendering legal, accounting, or other professional service. If legal advice
or other expert assistance is required, the services of a competent professional person
should be sought.”
—From a Declaration of Principles jointly adopted by a Committee of the
American Bar Association and a Committee of Publishers and Associations.
Are you an ABA Marketing Network member?
Membership benefits include an online professional networking community, online
access and printed copies of ABA Bank Marketing magazine, discounts on ABA products
and services, unique networking opportunities onsite at ABA marketing conferences and
schools, and a variety of online marketing resources and tools. For more information or to
join us, please call 1-800-BANKERS or visit www.aba.com/MarketingNetwork.
Are you a Certified Financial Marketing Professional (CFMP)?
Increase your value to employers and earn recognition from your peers. The CFMP
designation demonstrates your knowledge and expertise in marketing financial services.
Learn more about the professional and educational experience requirements, as well as
the benefits by calling 1-800-BANKERS or visiting www.aba.com/ICB/CFMP.