08/09/2009 Enid, Okla. – Employers all across Indiana will soon have the option of offering the convenience of an ITS® Visa® Payroll Card to their employees because of a recent agreement between Interactive Transaction Services and STAR Financial Bank.

The agreement allows ITS to issue and process FDIC-insured Visa Payroll Cards for STAR, headquartered in Fort Wayne, Indiana. The bank holds assets of $1.7 billion and operates 46 banking centers throughout the state. ITS is a transaction processing subsidiary of Central National Bank.

“Payroll cards are convenient for our business customers, who no longer have to issue paper checks. They can reduce payroll processing costs and potential check fraud,” said Jim Marcuccilli, President and CEO of STAR Financial Bank. 

Payroll cards have become an effective mechanism for serving individuals who are typically unbanked and underserved by the financial world.  STAR’s entrance into the payroll card market makes it the newest bank to be served by ITS.           

“Payroll cards allow us to reach out to workers within the communities we serve who may not otherwise need a bank,” said Marcuccilli.

“Community banks all across the country are being proactive in their methods to enter the prepaid space,” said Brud Baker, president and CEO of Central National Bank.  “With the ITS Visa Payroll Card, they can brand the card as their own and begin offering it immediately while earning revenue.”

“Financial institutions realize the value of having a cost-effective and turn-key solution to recommend to their commercial accounts,” Baker said. “All the bank has to do is market the cards. We handle everything else, from compliance to collection, distribution, settlement, and other complex operational requirements.”

The Visa Payroll Card offered by ITS has many features that make it unique, including a built-in remittance capability that allow cardholders to send money to family members in Mexico and 13 other Latin American and Caribbean countries at a price of $6. This is far less than the national average. ITS will also begin offering Bill Pay and Mobile Banking to cardholders. It is these features that make it particularly attractive in STAR’s area.

“STAR’s footprint consists of both urban and rural areas across east central and northeast Indiana. This diverse market area encompasses local residents, immigrants and migrant workers who don’t have a bank account. Instead of having to use expensive check cashing services, they can now use their payroll card which functions just like a debit card, allowing them to make purchases and pay bills. Funds can also be withdrawn using an ATM,” said Marcuccilli.       

About Interactive Transaction Services
As subsidiary of the Central National Bank of Enid, Interactive Transaction Services was established to provide marketing, sales, delivery, and processing services for the prepaid card products of CNB.   This model will work for banks, credit unions, and savings banks.  

About Central National Bank
Central National Bank of Enid is an FDIC-insured financial institution headquartered in Oklahoma and is held by Central Services Corporation. There are eight branch locations throughout the state. The bank reported assets of $518 million as of June 30, 2009. CNB has been providing electronic services to other financial institutions for over 20 years and issuing and processing prepaid cards since 2002.  www.cnb-ok.com

STAR contact information:
Trois Hart
Senior Vice President
Marketing and Strategic Planning
STAR Financial Bank
(260) 479-2548

About STAR
Headquartered in Fort Wayne, Indiana, STAR Financial Bank holds assets of $1.7 billion. It operates 46 banking centers throughout Indiana, including the communities of Anderson, Angola, Carmel, Churubusco, Columbia City, Elwood, Fishers, Fort Wayne, Gas City, Gaston, Greenfield, Hamilton, Indianapolis, Kokomo, Marion, Muncie, New Castle, Noblesville, Pendleton, Shirley, South Whitley, Tipton and Upland. The bank’s parent company, STAR Financial Group, provides professional services in insurance, trust and wealth management. For more information about all of STAR’s services, visit the company’s web site at www.starfinancial.com.

12/17/2008

Durant, Okla. – First United Bank banking centers throughout Southeastern Oklahoma and North Texas began delivering prepaid payroll card services to unbanked and immigrant employees of commercial customers in their area.  First United is providing these innovative services through an agreement recently negotiated with Interactive Transaction Services (ITS), a transaction processing subsidiary of Central National Bank of Enid. 
 
“We believe prepaid payroll cards provide our commercial customers’ employees a great alternative to receiving a traditional check,” said Carroll Monden, Vice President of First United Bank.   “Accepted at any Visa® Merchant or ATM, these cards provide all of the convenience of cash without the risk and expense of cashing a check.”
 
First United Bank is fully committed to serving the needs of all of its customers, including individuals who are typically unbanked and underserved by the financial world.  Headquartered in Durant, Oklahoma, First United Bank’s decision to offer the ITS payroll card make it the latest U.S. financial institution to partner with Central National Bank and ITS.

“Financial institutions can “drop-in” the ITS agent bank payroll, remittance or gift card programs quickly and with little effort on their part,” said Brud Baker, president and CEO of Central National Bank. “Additionally, for those financial institutions wanting to enter the prepaid card market, these programs create a great new revenue stream.” 

“ITS prepaid card programs for agent banks are uniquely flexible, cost-effective and turn-key,” Baker said.  “ITS and Central National Bank  issue and process the cards, manage compliance end to end, provide collection, distribution, settlement services, and other complex operational requirements. Financial institutions can feel secure in dealing directly with us as their “one stop” supplier.”

As a functioning reloadable debit card, the ITS Visa® Payroll Card is truly international, with built-in features that allow cardholders to send money to family members in Mexico and 13 other Latin American and Caribbean countries at a price of $6. This is far less than the national average. The card is loaded by the employer through traditional ACH Payroll Direct Deposit files submitted to First United, or can be loaded at the bank’s branch locations.  In addition to being used as a remittance card, it can be used to make purchases at any
merchant where Visa® Debit Cards are accepted, to withdraw cash at ATMs, and to make international phone calls.
 
“Providing innovative services and making banking more accessible is a main focus for First United Bank,” Monden said.  “With these new products, employees are able to avoid check cashing lines and high wire transfer and check cashing charges.  Our commercial customers will benefit by being able to reduce payroll processing costs, lost time, and potential check fraud.”

Monden continued, “First United Bank is happy to be associated with ITS to provide payroll cards that will benefit both our customers and potential customers.  We see this as a great opportunity to provide better service all around and are proud to be one of the first banks in our area to emphasize products that address needs for current customers, as well as individuals who don’t typically use banks.”
 
In addition to the ITS Visa® Payroll Card, First United Bank will market the ITS Mi Conección Card.  This card has several exciting new features similar to the payroll cards.  Both cards are covered by FDIC insurance at the cardholder level.  

About Interactive Transaction Services
As subsidiary of the Central National Bank of Enid, Interactive Transaction Services was established to provide marketing, sales, delivery, and processing services for the prepaid card products of CNB.   This model will work for banks, credit unions, and savings banks.   For more information about any of the ITS products, contact Jerry Baskin at jbaskin@itsvcs.com or by phone at 918/254-0099.  www.itsvcs.com

About Central National Bank
Central National Bank of Enid is an FDIC-insured financial institution headquartered in Oklahoma and is held by Central Services Corporation. There are eight branch locations throughout the state. The bank reported assets of almost $520 million as of September 30, 2008. CNB has been providing electronic services to other financial institutions for over 20 years and issuing and processing prepaid cards since 2002.  www.cnb-ok.com/

About First United Bank
Established in 1900 and headquartered in Durant, Oklahoma, First United Bank is a $2 billion community bank that focuses on providing a full range of services such as Consumer Banking, Commercial Lending, Business Services, Cash Management, Mortgage, Trust, Investments, and Insurance to retail customers and small to medium-sized businesses in Oklahoma and Texas.

First United Bank operates through a network of 31 conveniently located offices serving 20 communities, including: Ada, Bokchito, Calera, Colbert, Durant, Holdenville, Hugo, Madill, Oklahoma City, Pauls Valley, Sapulpa, Seminole, Shawnee, Tecumseh, and Wewoka in Oklahoma and Dallas, McKinney, Krum, Sanger, and Denton in Texas.

3/03/2008

In an effort to compete with multi-billion dollar financial institutions that are able to offer their customers the most advanced in banking technology, some community banks have begun building an ecosystem of financial services and products that allows them to pool resources and expertise in nearly every facet of banking.

Jacksonville Savings Bank in Jacksonville, IL, recently signed a contract with Central National Bank in Oklahoma, to offer payroll cards in their markets. Jacksonville explored the possibility of going at it alone, but CNB’s years of research, as well as regulatory and compliance knowledge of payroll cards, made them a great partner. CNB’s turnkey solution allowed Jacksonville to enter the payroll card market immediately.

Commented Jacksonville President and CEO, Rich Foss, “we think payroll cards provide many people in the markets we serve a great alternative to receiving their pay by check. CNB gave us a way to make that service available in short order. The interesting thing is people are figuring out all sorts of uses for the cards, in addition to just payroll.”

CNB issues and processes prepaid cards, including payroll cards, remittance cards and gift cards. Those cards, with standard pricing, are then offered to other banks that want to be able to offer the products without a large investment of time and money. CNB and the marketing bank share in the interchange and fee income earned on the cards. CNB also develops custom programs for banks and 3^rd party marketers interested in prepaid card programs.

“Community banks can offer much more to their customers when they pool resources,” said Brud Baker, President and CEO of CNB. “One bank might have an excellent payroll card product while another has a mobile banking solution. As we find ways to work together, we can more effectively meet the demands of our markets.”

Postilion, a leading provider of software solutions for self-service banking and payments and a division of S1 Corporation (NASDAQ: SONE), brought CNB and Jacksonville Savings together at one of the Postilion roadshows last year. Both banks use Postilion for some of their self-service banking products.

“As banking and payments continue to converge, it is imperative for community financial institutions to have a partner that will provide them with the technology and resources needed to compete in this dynamic market,” said Pierre Naudé, Senior Vice President and General Manager of Postilion, Americas. “We are committed to helping community financial institutions navigate the changing landscape and act as hub for enabling this network of institutions to deliver a powerful and pervasive financial services experience.”

About Central National Bank & ITS

Central National Bank, an FDIC-insured institution, is headquartered in Oklahoma, and is held by Central Services Corporation. There are seven locations throughout that state. The bank reported assets of over $437 million in 2006. Since 2000, CNB has been issuing and processing prepaid cards, with ITS, a subsidiary of CNB, and provides standard and custom card programs for employers, universities, financial institutions and other organizations. For more information about any of the Bank’s products, contact Tania Warnock at twarnock@cnb-enid.com or by phone at 580.213-1762. For more information about ITS, visit the ITS website at www.itsvcs.com.

About Postilion

Postilion, a division of S1 Corporation (NASDAQ: SONE), is a leading provider of integrated solutions for self-service banking and payment processing. Our offices, on five continents, serve over 1,500 customers in more than 50 countries. Postilion solutions drive self-service financial transactions and payments, including advanced transactions such as prepay, through Internet access points, ATMs, POS terminals, and phones.

More than 100,000 ATMs and 380,000 POS terminals worldwide run on Postilion solutions. In the United States, over 1,250 credit unions and community financial institutions use Postilion solutions. Built on open systems, Postilion solutions provide consolidated management information, card management, 3DES and EMV enablement, and loyalty management. At the forefront of compliance with new regulations and security enhancements, such as the Payment Card Industry Data Security Standard (PCI DSS) and Visa’s Payment Application Best Practices (PABP), Postilion can help customers achieve compliance with the latest data security standards developed by the payment card industry. More information is available at www.postilion.com.

About S1 Corporation

S1 Corporation (Nasdaq: SONE – News) delivers customer interaction software for financial and payment services and offers unique solution sets for financial institutions, retailers, and processors under three brand names: Postilion, S1 Enterprise and FSB Solutions. Additional information about S1 solutions is available at www.s1.com, www.postilion.com, www.S1enterprise.com, and www.fsb-solutions.com.

2/27/2008

Fonkoze, Haiti’s largest micro-finance institution, and Central National Bank of Enid, Oklahoma, have partnered to create a low-cost stored-value card that offers Haitian Diaspora and others in the U.S. both a convenient way to manage their own finances and an inexpensive way to increase income and investment in Haiti through remittances.

The two organizations recently signed an agreement under which CNB will issue a prepaid card for Fonkoze. Interactive Transaction Services, a wholly-owned subsidiary of CNB, will process the cards. Value can be stored on the cards in three ways: through direct payroll deposit, at participating banks, and through other load networks. The cards will have all the features of CNB’s current prepaid card portfolio, but will also allow holders to send remittances up to $2,500 per day to Haiti for only $6 and make long distance phone calls at a competitive rate. Alianza International, a prepaid debit card and money transfer enabling company, will provide consumer marketing and remittance delivery support for CNB and Fonkoze. The product will be available on the market March 21, 2008.

“Fonkoze has been very successful in proving that economic change in Haiti is possible,” said Brud Baker, president and CEO of CNB. “The flow of money to Haiti is directly related to effective remittance channels, and we feel strongly that we can be a positive influence towards eliminating the extreme poverty that exists in that country by utilizing prepaid cards to make remittances cheap and reliable.”Haitians living abroad, a diaspora 1.5 million strong, sent more than $1.65 billion to their country in 2006. Most of that diaspora is concentrated in the United States, totaling 850,000 to 1 million people. 1.1 million adults in Haiti receive remittances, typically 10 times per year at an average of $150 per remittance.

“We’re excited about the new Fonkoze-CNB card,” said Fonkoze Executive Director Anne Hastings, “because it is one more way to make affordable financial services available to our clients even as it offers us a way to begin reaching out to their families and friends in the United States.”

Fonkoze’s mission is to provide tools that help Haiti’s poor work their way out of poverty. They work to accomplish that through their 34 branches, located all over the country, by offering financial services to both borrowers and savers. Fonkoze has worked directly with 150,000 individuals and facilitated $62 million in remittances in the last six years. The organization also offers micro-insurance, literacy, and other education services.

“We believe the structure of this program and economic benefit to the Haitian people is a sound model that microfinance institutions worldwide will follow,” said Randy Gutierrez, president of Alianza. “The simplicity of the prepaid card and remittance process coupled with low pricing and fee transparency will assist with rapid consumer adoption of the Fonkoze program.”

About Central National Bank & ITS
Central National Bank, an FDIC-insured institution, is headquartered in Oklahoma, and is held by Central Services Corporation. There are seven locations throughout that state. The bank reported assets of over $437 million in 2006. Since 2000, CNB has been issuing and processing prepaid cards, with ITS, a subsidiary of CNB, and provides standard and custom card programs for employers, universities, financial institutions and other organizations. For more information about any of the Bank’s products, contact Tania Warnock at twarnock@cnb-enid.com or by phone at 580.213-1762. For more information about ITS, visit the ITS website at www.itsvcs.com.

About Fonkoze
Fonkoze is an internationally recognized leader in the field of microfinance, known for its comprehensive approach to poverty alleviation and for innovation.  Fonkoze’s mission is to build the economic foundations for democracy in Haiti. Established in 1994, Fonkoze currently has over 150,000 depositors and over 50,000 active borrowers, 99% of whom are women. In 2005, the Grameen Foundation awarded Fonkoze its Pioneer in Microfinance Award in recognition of the institution’s ability to break new ground in poverty alleviation while operating in one of the most challenging environments in the world. For more information, contact Anne Hastings at director@fonkoze.org or by phone at 1-800-293-0308 or visit the Fonkoze website at www.fonkoze.org.

About Alianza International
Alianza International is headquartered in the San Francisco bay area and is privately held. Alianza International provides international money transfer enabling and prepaid debit card enabling services to financial institutions credit unions, nonprofit organizations, businesses and microfinance institutions globally through partnerships with banks and licensed money transmitters. For more information contact Blas Romero at blas.romero@alianzaintl.com or by phone at 310-270-5983.

5/11/2007

Enid, Okla. –While months separate the wheat harvest in Oklahoma from the grape harvest of Sonoma County, financial institutions from these two seemingly opposite agricultural areas found common ground in their desire to serve the unbanked.

That desire led to a recent partnership between the Oklahoma-based Central National Bank and Santa Rosa’s Exchange Bank, and now, immigrant workers in northern California can take home and send home more of the fruits of their labor.

For the individual, paper-based payroll often means expensive check cashing fees and long teller lines. For the employer, it means excessive costs, lost time and potential check fraud losses. By offering a payroll card issued by CNB, Exchange Bank felt that they could provide an answer that addressed both the needs of their commercial customers and the needs of the employee.

QUOTE FROM EXCHANGE
The CNB VISA payroll card is multinational and multifunctional, with a built-in remittance feature that allows the cardholder to send money to Mexico and 12 other Latin American countries for $6, a cost far less than the national average. The card is predominantly loaded through standard payroll Direct Deposit or Green Dot, a prepaid debit card load network accessible in large participating retail store chains. In addition to being used as a remittance card, it can be used to make purchases anywhere VISA Debit Cards are accepted, to withdraw cash at ATMs and to make long distance phone calls. The card also has pass-through FDIC Insurance.

“When we designed this card,” said Brud Baker, president of CNB, “we designed it with the immigrant in mind. It is truly priced to the greatest benefit of the cardholder, but is equally beneficial to the employer. And, for financial institutions who want to enter the prepaid card market, it has the tertiary benefit of a new revenue stream for them.”

Financial institutions can drop in one of CNB’s standard payroll, remittance or gift programs, Baker said, or, as was the case with Exchange Bank, a custom program can be designed for them. Exchange Bank’s program is especially unique because they designed a companion card to go along with the payroll card. The recipient of the remittance can go to an ATM and make a withdrawal, or receive a cash payout at traditional money transfer payout locations in Latin America through Bancomer Transfer Services. The beneficiary of the remittance may also make purchases utilizing the companion card.

“Our programs are uniquely flexible, cost-effective and turn key,” Baker said. “We process and issue the card, manage compliance end to end, provide collection and distribution settlement services, and other complex operational functions. Financial institutions can feel secure in dealing directly with us for all their needs instead of dealing separately with issuing banks, card processors and program managers, a model common in the industry today.”

Randy Gutierrez, President of Alianza International, a prepaid debit card and money transfer enabling company providing employer and consumer marketing support for both Exchange Bank and CNB’s program stated “We are pleased with the commitment of both Exchange Bank and CNB to this product and customer base. CNB has a mature and feature rich prepaid debit card and money transfer service with pricing for the immigrant and unbanked cardholder among the lowest in the industry. Coupled with Exchange Bank’s proven commitment to its commercial customer and migrant employee customer base, and their continued commitment to the community in general, we are confident the partnership will provide a much-needed social and commercial benefit for all parties. This is a model that will work for other banks, credit unions, and businesses requiring these unique services.”

About Central National Bank
Central National Bank of Enid is headquartered in Oklahoma and is held by Central Services Corporation. The bank reported assets of over $437 million in 2006. CNB has been issuing and processing prepaid cards since 2000. For more information about any of the Bank’s products, contact Tania Warnock at twarnock@cnb-enid.com or by phone at 580.747-6616.

About Exchange Bank

About Alianza International

Alianza international is headquartered in the San Francisco bay area and is privately held. Alianza International provides international money transfer enabling and prepaid debit card enabling services to financial institutions, credit unions, nonprofit organizations, businesses and microfinance institutions globally through partnerships with banks and licensed money transmitters. For more information contact Blas Romero at blas.romero@alianzaintl.com or by phone at 925-324-8147.