SPECIAL SPOTLIGHT PREFERRED PERSPECTIVES Unlocking Insights to the Community Bank Marketplace Travelers returns a record $4.6 million to our policyholders 2015 was a banner year for the Independent Community Bankers of America member banks who participated in the ICBA/Travelers insurance program group received a distribution of $4.6 million. Earlier dividend checks of approximately 9.5% of eligible pr premium were distributed to Travelers insured banks the ICBA and participated in our safety group dividen the 15th consecutive year of dividends under the pro Over the past 30 years, Travelers Financial Institutions business unit has distributed to eligible member ban total dividends. Member banks may become eligible f qualifying Travelers property and casualty* and worke Beyond policy benefits, you get industry-leading infor and an opportunity to earn a " safety-group " dividend possible by the group's favorable loss experience.** Why Travelers? Travelers has provided effective insurance solutions f and addresses the specific needs of the banking indu received high marks from independent ratings agenci and claims-paying ability. With offices nationwide, we and local presence. Our dedicated underwriters and c extensive industry and product knowledge. Learn more at travelers.com. Laura Lundin, V One Tower Squa 800-328-2189 _________ *All property casualty coverages may not be available in certain areas; and um breakdown coverages are not eligible for dividend payout. **Dividends are not guaranteed and are subject to the approval of the compan Travelers Casualty and Surety Company of America and its property casualty affiliates. One Tower Square, Hartford, CT 06183. Coverage for all claims and losses depends on actual policy provisions. Availability of coverage can depend on our underwriting qualifications and state regulations. © 2017 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.http://www.qmags.com/clickthrough.asp?url=www.travelers.com&id=20329&adid=P61A1 http://www.qmags.com/clickthrough.asp?url=www.travelers.com&id=20329&adid=P61A2