Subsidiaries

Community Bank Life & Health

A SUBSIDIARY OF ARKANSAS COMMUNITY BANKERS

insurance products for customers of community banks

ACB was the first community bank trade association in the country to acquire a life insurance company as an affiliate serving as a product delivery mechanism for the benefit of member banks. Through the sale of stock, Community Bank Life is majority owned and controlled by the membership. Community Bank Life and Health produces over $60,000,000 annually in credit and disability insurance protection for customers of community banks. The acquisition of this company in 1996, and subsequent stock offering allowing member banks to take an equity position, places the ACB family in the unique position of being the provider as well as the underwriter of credit insurance products designed exclusively for use by community banks.

| TOP |