The concept of "Pay it Forward" has numerous references in history, most famously in the movie of the same name starring Kevin Spacey, Helen Hunt and Haley Joel Osment. The basic idea involves doing something meaningful (possibly life changing) to help another person - without any expectation in return, but with an expectation that the beneficiary will further the good for someone else.

As individuals and as an organization, we strongly believe in and practice this philosophy.

If you agree with the value proposition of our service offerings . . . if you believe that partnering with us can help your bank become stronger for your community, employees and shareholders . . . you appreciate the business case . . . yet find yourself hesitating for genuine affordability reasons, here is our commitment to you:

• We will waive a third of our fees.
• And work for only a third of our fees.
• If you agree to "Pay it Forward" a third of our fees to furthering the cause of education for the needy. No strings attached - you choose the beneficiary (or feel free to collaborate with us) - just your commitment.