At Union Bank & Trust, we know you want to feel secure and confident in your pursuit of a financial services partner, one that’s committed to providing you with services and solutions that meet and exceed your expectations. We believe you deserve a best-in-class team that is focused squarely on the personal and professional demands of you and your organization’s financial life. This is how we’ve been building relationships for over 40 years. Whether you are looking for Commercial Banking Services, an Institutional Trust Services or Personal Trust Services, our dedicated group of specialists work tirelessly to create solutions customized for your financial needs. We are owned in perpetuity with a stable ownership model so were with you for the long haul. We’re here to serve you, your business and your clients—now, and 40 years from now—while honoring a tradition that upholds our founding values.

On August 29, 1913, Citizens State Bank opened its doors for business in beautiful Ouray, Colorado. We also have locations in Ridgway, Silverton and Naturita, Colorado. Citizens State Bank is proud to have always been locally owned and operated. We are dedicated to excellent customer service and we pledge to continue to remain competitive while providing the highest quality banking products and services to our communities. As a small town community bank, we are proud to know our customers by name

Accentra Credit Union, formerly Hormel Employees Credit Union, has been serving our members since 1930. Our commitment today is as firm as it was in 1930 - to provide our member-owners a secure place to save and a trusted place from which to borrow. Since our formation, Accentra Credit Union has grown to almost 15,000 member-owners and assets of nearly $125 million. We offer a wide range of products and services and we continue to look for new and better ways to serve you.

Minnesota Valley Federal Credit Union was established in 1934 as a member-owned, not for profit financial cooperative. Members enjoy convenience and service that simply is not available at most financial institutions. Membership is open to anyone living, working or attending school in Blue Earth, Nicollet, Le Sueur and Waseca Counties. Immediate family members are also eligible to join, and you may retain your membership for life - even if you change jobs, relocate or retire.

Business Financial Group (BFG) is an HR consulting firm that helps businesses manage their back-office issues related to their most important asset: their employees. Services include payroll processing, timekeeping, compliance, onboarding, training, HR information systems, personnel practices and procedures, employee handbooks, employee benefits, retirement plans, and succession and personal financial planning. At BFG, we help clients do the things that they need to do…but don't have time to do. We serve independent business owners & executives as well as individuals & families, providing fiduciary support, strategic planning and personalized services. We follow a process to ensure we are consistent in the services we do for our clients. We offer competitive pay and extensive benefits and support our associates in holding the highest industry credentials. At BFG, we place a significant emphasis on employee growth and development because when our employees prosper, we all prosper. Each of our associates is an expert in one of our service areas and is devoted to providing an excellent experience for our clients. Securities and advisory services offered through Commonwealth Financial Network®, www.FINRA.org / www.SIPC.org, a Registered Investment Adviser. Human resources services and consulting, payroll processing services, employee program development and maintenance services, fixed insurance products and services offered by Business Financial Group are separate and unrelated to Commonwealth. Business Financial Group, 500 N. Loop 1604 E. #250 San Antonio, TX 78232, 210-775-5471. This communication is strictly intended for individuals residing in the states of AR, CA, CO, FL, IA, ID, IN, KS, MD, MN, NM, OK, OR, TX, VA. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Review our Terms of Use: www.commonwealth.com/termsofuse.html.

Keen Bank is a locally owned and managed bank that has been proudly serving southern Minnesota since 1874. At Keen Bank, helping our customers and communities thrive is our greatest joy and there truly is no place we would rather be. We take our responsibility of being a community bank very seriously. Whether it’s financing that first home purchase or supporting a business expansion, Keen Bank is committed to bringing flexible and effective banking solutions forward to ensure your financial health. Member FDIC

Community bank with a hometown feel!

Novation Financial is a member-owned, not-for-profit credit union offering a full suite of financial solutions to those affiliated with 3M, Solventum, McLeod County (MN), and the Novation Foundation.

Founded in June 2000, Crown Bank is committed to providing you superior service and principled management. Crown Bank is a locally-owned, independent bank. As a privately held bank, we are free to focus solely on the needs of our customers and to move quickly.

Janesville State Bank is a banking company based out of 201 N Main St, Janesville, MN, United States.

Served on the board of directors for one of the original affiliates, founded in 1896, of the National Association of Credit Management (NACM) during a time of significant industry change.

Red Wing Credit Union is a member-owned financial institution located in Red Wing, Minnesota. Established in June 1954 as the Red Wing Shoe Company Employees Credit Union, serving employees and operated by members and volunteers, the charter has since expanded to accommodate the growing community and made a name change to Red Wing Credit Union in 1997. Through years of growth, the focus has never changed – it has always been about the people, not the profit. Red Wing Credit Union strives to improve the financial lives of the members they serve, and offers membership to anyone that lives or works in Goodhue County, Minnesota.