Founded in 1887, the Michigan Bankers Association (MBA) is a trade association of Michigan financial institutions which currently includes more than 2,300 branches located throughout the state with combined assets of over $150 billion. The MBA mission is to advocate for and support the banking industry. Our main areas of focus include: Advocacy The MBA acts as the official representative of member banks in matters of state legislation and regulation. The Association actively pursues legislation of benefit to the industry and the public at large, and opposes those measures which would hamper its members’ ability to serve the needs of their banking customers. The Association also works closely with the American Bankers Association on select issues in Washington, D.C. Professional Development The MBA sponsors more than 100 seminars, conferences, banking schools and an annual convention. Our educational programs enhance the ability of member banks to meet their needs in a complex and changing financial industry. Products and Services Through its subsidiary the MBA Service Corp, Inc., the MBA seeks ways to help our members retain business, offer first rate service and increase revenue. As part of these activities, MBA offers a wide variety of products and services for member banks in the areas of compliance, human resources, management, marketing and financial literacy, among others. The MBA offers an Associate Membership, works closely with many preferred vendors and endorses partners that provide banks top quality services, fee income or unique opportunities.

Farmers & Merchants State Bank is a $199,000,000 independent community bank located on Highway 19 in both Waterloo and Marshall, WI that provides full-service, mortgage (Home Loans Online), and internet banking services along with in-house financial services. An integral part of our communities since 1897, they are also a sponsor of the Marshall~ Waterloo Food Pantry and a designated drop-off site. At Farmers & Merchants State Bank, we pride ourselves on being part of the communities we serve, and we work hard to help those communities be successful. For more than 100 years, we’ve been your partner for life, and our employees will continue to be a resource for you. Our mission is to enrich your financial life with full-service products.

Smithfield is a privately owned trust company chartered and regulated by the Pennsylvania Department of Banking, but our expertise extends far beyond trust management. In addition to banking professionals, our staff includes investment advisors, attorneys and CPAs, allowing us to provide expert guidance on any issue that impacts your financial well-being.

Today the Garrett State Bank is a progressive community bank that has a full line of business and personal financial products. We specialize in residential mortgage loans and small to mid sized family owned business loans. Combining common sense decision making with modern products and services allows us to provide our clients the best from the past and present.

Peoples Bank of Kentucky, Inc. is a banking company based out of 106 N Main Cross St, Flemingsburg, Kentucky, United States.

VacationLand Federal Credit Union (VLFCU) was founded in 1956 by employees of the Sandusky, Ohio General Motors Plant. In 2001, we expanded our field of membership including anyone who lives, works, worships, attends school or has a business or organization in Erie County, Ohio. In 2010, we extended our membership into Huron County by merging with School Employees Federal Credit Union to include employees of the Boards of Education who work in Huron County and employees of the Board of Education of EHOVE Joint Vocational School. In 2017, we expanded our membership through the merger with the Sandusky Ohio Edison Employees Federal Credit Union. Membership eligibility extends to employees of the Ohio Edison Company who work in Sandusky, Bellevue, Port Clinton or Norwalk; spouses of persons who died while within the field of membership of this credit union; retired persons, members of their immediate families; and organizations of such persons. In 2020, we once again expanded our field of membership to include anyone who lives, works, worships, attends school or has a business organization in Huron County, Ohio; York Township, Sandusky County, Ohio; Adams, Thomas, Reed and Venice Townships, Seneca County, Ohio; and the Village of Green Springs, Ohio. VLFCU is a member-owned, not-for-profit, democratically controlled financial cooperative dedicated to being the lifetime financial institution of its members, by providing services at lower or no fees, or loans with lower rates plus deposit products with higher dividend rates. With $312.8 million in assets, we serve over 20,300 members, businesses and organizations at 5 branch offices and 11 ATMs in the cities of Sandusky, Huron, Norwalk and Vermilion. We serve our members at over 5k CO-OP Shared Branches and at over 37k MoneyPass and nearly 5k Alliance One surcharge-free ATM locations in the USA. Through online banking, Remote Deposit Capture and CU*Talk Telephone Account Access, we serve members wherever they are!

Live investigator-led analysis is the best way to minimize regulatory, reputational and financial risks. This is even more important when you are working internationally. Databases are outdated or completely missing key information. Deep expertise in FCPA and International Credit checks. Universal enforcement on corrupt business practices continues to intensify. Now more than ever transparency in all transactions is essential. A thorough due diligence investigation beyond database inquiries is critical for a company to maintain its reputation and stock value. For 30 years, Kreller has employed an international network of experts well versed in worldwide military, law enforcement, business and government matters. Our on-the-ground agents are represented in every continent and have a comprehensive understanding of local languages and laws as well as the political, social and economic climates of the jurisdictions they operate within. Kreller has completed half a million investigations in 180 countries. The company is officially represented in Mexico City, São Paulo, Beijing, London, Dubai and Moscow. We do more than check. We investigate every finite detail to ensure your company’s business endeavors, associations and resources are ethical and secure. Kreller Services: -FCPA Anti-Bribery/Corruption -International Compliance -Domestic/International Background Investigations -Intellectual Property Investigations/Protection -Franchise/Franchisee Vetting -Ethical Sourcing -Vetting Licensing Partners -Acquisitions & Mergers -Joint Ventures -Asset Investigations -Security Risk/Site Assessment -Gaming Probity Investigations -Employee Whistleblower Cases -Vendor Verification -Sales Agents/Consultants -Vetting Distributors -Special Investigations -Executive Pre-Employment Background Checks

The Cadle Company II Inc. is a financial services company based out of 100N Center St, Newton Falls, Ohio, United States.

Consumer Credit Counseling Service (CCCS), a division of Family Service Association of Sheboygan, Inc. is a nonprofit 501 (c)(3) full-service credit counseling agency. We provide confidential financial assessments, financial education, budget assistance, pre-mortgage education, housing, bankruptcy, school loan and credit/debt counseling to consumers throughout Wisconsin and Minnesota. We help people take control of their finances and establish financial stability in their lives by offering the following services: • Confidential Financial Assessments • Budget Counseling • Student Loan Counseling • Debt and Credit Counseling • Debt Management Programs • Bankruptcy Counseling and Education** • Housing Counseling including Foreclosure and Loss Mitigation Services • Pre- and Post-Purchase Housing Counseling and Education • Financial Education • Corporate Financial Wellness Programs for Employees CCCS is: • A United Way Agency • Affiliated with the National Foundation for Credit Counseling (NFCC) • Licensed • Bonded • Regulated by the Wisconsin Department of Financial Institutions • Accredited through the Council on Accreditation • Approved as a housing counseling agency through the U.S. Department of Housing and Urban Development (HUD)

Founded in 2006 and focused on investing in lower middle market companies for over 15 years, the Tecum Capital team previously operated as the merchant banking subsidiary of a regional bank. In 2013, the investment team spun off to form Tecum Capital, an independent investment firm. Tecum’s investment professionals seek investments in lower middle market businesses with exceptional management teams. Operating out of Pittsburgh, PA, we have an experienced team of 16 investment professionals that have invested nearly $1 billion in over 130 platform and add-on acquisitions on behalf of a highly seasoned group of institutional investors, including some of the leading financial institutions, pension funds, and endowments along with high net-worth family offices and individual investors.

Hocking Valley Bank is a financial institution located in the foothills of Appalachian Ohio serving customers in Athens, Hocking, Fairfield, Licking, Franklin, Morgan, Perry, Washington, Meigs, Vinton, and Jackson counties.

Community Banking at Its Finest As a local bank, not only are we able to provide you with the highest level of technology needed to efficiently manage your money — we also provide service you won’t find anywhere else. From our accounts to our loans and business products, our focus is on making your life better. Our Kasasa® accounts put more money in your pocket, our online banking and bill pay service saves you time, and our competitive business financing helps entrepreneurs make their mark on our community and beyond. Our History Formed in 1885, the Citizens Bank of DeGraff served the community through the Great Depression, the Great Recession, and everything in between. Our bank has the oldest surviving state bank charter in the state of Ohio. On January 3, 2014, Buckeye Nation Interim, a company formed by a diverse team of local business leaders, purchased the bank and in September 2014, the bank name was changed to Buckeye State Bank. The name change publicly reflects the beginning of a new chapter of offering our members in all of Ohio the “big bank” products and services with local decision-making and exceptional service. Our bank strives to reflect the pride, honesty, and hard work ethics Buckeyes are known for. Please contact us or visit a branch to get in touch with a team member — and see the difference of community banking for yourself.