MBA Bank Management and Directors Conference Royal Park Hotel - Rochester, MI 12/3/2014 to 12/5/2014 Registration List

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1 MBA Bank Management and Directors Conference Royal Park Hotel - Rochester, MI 12/3/2014 to 12/5/2014 Registration List Members 1st State Bank Rick Goedert - President & CEO Ann Arbor State Bank Peter F. Schork - President & CEO Bank of Ann Arbor Charles E. Crone - EVP, Chief Revenue Officer Patti Judson - Executive Vice President, COO Timothy G. Marshall - President & CEO Bank of Birmingham Tom Dorr - EVP / CFO Robert E. Farr - President & CEO Bay Port State Bank Edwin H. Eichler - Chairman & CEO Baybank Donald St Germaine - President Central Bank Corp. Willard W. LaJoie - Chairman Central Savings Bank Ronald L. Meister - President & CEO Central State Bank Norman G. Campbell - President & CEO Century Bank and Trust Eric H. Beckhusen - Chairman & CEO Charlevoix State Bank Eric Hodgson - Director Chemical Bank Lisa L. Haines - VP, Retail Sales Manager Rob MacLeod - AVP, Branch Operations Specialist Chemical Financial Corp. David B. Ramaker - Chairman, President & CEO ChoiceOne Bank Tom Lampen - SVP & CFO Citizens National Bank of Cheboygan Douglas W. Damm - Executive Vice President Susan A. Eno - President & CEO Clarkston Financial Corp. J. Grant Smith - President & CEO Comerica Bank Fouad Bazzi - VP, Financial Institutions Chris Georvassilis - SVP, Financial Institutions Group Kathryn J. Nurre - VP, Financial Institutions Group Dianne Shovely - Vice President Community Shores Bank Heather D. Brolick - President & CEO Crestmark Bank Michael Goik - President W David Tull - Chairman & CEO CSB Bank Michael J. Burke - President & CEO Robert J. Funk - Senior Vice President, Chief Lending Officer Dearborn Federal Savings Bank William R. White - Chairman, President & CEO Eaton Federal Savings Bank Donald Hummel - Director Timothy Jewell - President & CEO Joe Pray - Director Jeffrey Wildern - Chairman Farmers State Bank of Munith Jeanne E. Richter - President & CFO Fifth Third Bank Kevin Mataway - VP-Institutional Investment Sales Dennis S. Schichtel - Vice President First Federal of Northern Michigan Craig A. Kus - President & COO Michael W. Mahler - Chief Executive Officer First National Bank of America Paul Dankert - Assistant Vice President First National Bank of Michigan John M. Schreuder - Chairman & CEO First State Bank Mildred Chisholm - Director Alfred Deflaviis - SVP, Chief Lending Officer Christian Herrmann - Director Robert W. Kirk - Director Michael Locricchlo - Director Christine Nill - Director John P. Schmidt - Director Page 1

2 First State Financial Corp. Eugene C. Lovell - President & CEO Flagstar Bancorp, Inc. Mary M. Fowlie - SVP, Chief Compliance Officer Founders Bank & Trust Gregory S. Conway - EVP, Loans Hastings City Bank Mark A. Kolanowski - President & CEO Hillsdale County National Bank Craig S. Connor - President & CEO Honor Bank Larry Cade - Director Michael L. Worden - President & CEO Horizon Bank, NA Dennis J. Kuhn - Market President Independent Bank William B. Kessel - President & CEO Stefanie M. Kimball - EVP, Chief Risk Officer Independent Bank Corp. Charles C. Van Loan - Director Isabella Bank Steven D. Pung - President David J. Reetz - SVP, Chief Lending Officer Jerome Schwind - EVP, Chief Operating Officer Isabella Bank Corp. Dennis P. Angner - President & CFO Jae A. Evans - Chief Executive Officer Lapeer County Bank & Trust Company Joseph H. Black - Chief Financial Officer Bruce J. Cady - President & CEO Pat Cronin - Director Ernie Lefever - Director Alexander Shoemaker - Management Trainee Level One Bank Patrick J. Fehring - Chairman, President & CEO Lotus Bank Neal J. Searle - President & CEO Jay Shah - Director Main Street Bank Joel Dorfman - Jeffrey I. Kopelman - President & CEO Michael Ohlrich - EVP, Chief Lending Officer Wanda VanHaitsma - CFO Mayville State Bank Shelly Brooks - President & CEO Mercantile Bank Corp. Susan K. Jones - Director Samuel G. Stone - EVP, Corporate Finance, Strategic Planning Mercantile Bank of Michigan Robert B. Kaminski - President & COO Robert T. Worthington - SVP, General Counsel & Risk Management Director Monroe Bank & Trust H. Douglas Chaffin - President & CEO Donald M. Lieto - EVP, Sr Adm Mgr, Oper John L. Skibski - EVP, CFO Angela M. Szuma - VP, Retail Regional Manager OSB Community Bank Karena A. Mills - President & CEO Peoples State Bank of Munising Richard W. Nebel - President & CEO Signature Bank Margaret Jensen - VP, Chief Lending Officer Robert Thomas - President & CEO Southern Michigan Bank & Trust John H. Castle - Chairman & CEO Nicholas Grabowski - SVP, Head of Commercial Lending Kurt G. Miller - President Sturgis Bank & Trust Company Jeffrey M. Mohney - Director Ronald W. Scheske - Executive Vice President & COO John Wiedlea - The Bank of Holland Robert D. Dwortz - President & CEO The State Bank Jim Distelrath - SVP, CFO Ronald L. Justice - President & CEO Ronald Rybar - Director Tri-County Bank Michael A. Ford - President and CEO Mark Shadley - Senior Commercial Lender United Bank of Michigan Arthur C. Johnson - Chairman & CEO Michael J. Manica - President & CEO University Bank Stephen L. Ranzini - President & CEO West Shore Bank Raymond A. Biggs - President & CEO Wolverine Bank, FSB Page 2

3 David H. Dunn - President & CEO Affiliate Members Great Lakes Banc Consulting Jeffrey W. Thompson - SVP/Managing, Consultant for GLBC Great Lakes Bankers Bank Christopher R. Knight - Vice President, Sales Donald P. Mann - Senior Consultant Robert D. McGovern - Vice President Pacific Coast Bankers' Bank Earl Charneske - SVP Regional Manager - Midwest Region United Bankers' Bank Patrick Burnette - Vice President-Correspondent Banking/Lending Officer Dwight Larsen - Associate Members Andrews Hooper Pavlik PLC Stephen Miller - Partner Randy J. Morse - Angott Search Group Mark R. Angott - President Brian Rhonemus - Managing Director Megan Uphoff - Managing Director-Financial Services Austin Associates, LLC Thomas C. Hauck - Managing Director & Principal Richard F. Maroney - Managing Director & Principal Paul Simoff - Principal Beth S. Skillman - Managing Director Bank Financial Services Group Tom Armstrong - Partner BDO USA, LLP Richard E. Baab - Ashley D. Potts - Business Development Director Bodman PLC David W. Barton - Member Amy J. Durant - Partner Boenning & Scattergood, Inc. Nick Bicking - Senior Vice President Thomas Dooley - Senior Vice President Rick Jones - Senior Vice President Charter Business Matthew Hoyt - Major Accounts Executive Jennifer Jenkins - Jonathan Leeds - Sales Engineer Clark Hill PLC Jennifer K. Green - Attorney Continuity Programs, Inc. Kirk King - President Corporate Tax Resources Vince Chiaravalli - Property Tax Advisor Crowe Horwath LLP David F. Lawrence - Partner Monica Schmidt - Dalton & Tomich, PLC Zana Tomich - Attorney Dickinson Wright PLLC Patrick B. Green - Doeren Mayhew Matthew J. Gurwin - Director of Business Development Robin Hoag - Director, Financial Institutions Group Joseph A. Zito - Director, Audit and Consulting Donnelly Penman & Partners Andrew Christians - Senior Vice President John C. Donnelly - Managing Director EBS Consulting Kirk Anderson - Associate Equias Alliance, LLC Todd Andritsch - Managing Consultant Fabrizio & Brook, P.C. Cheryl Cook - Jon Engman - Partner John Marecki - Chief Operating Officer Federal Reserve Bank of Chicago - Detroit Branch Terri L. Woodford - Portfolio Manager First Service Corporation Carol Erickson - Mary D. Naz - President Janet Rice - Beta Schweiger - Gary T. Stockdale - Laurelle White - Fiserv Inc Jason Escue - Sr. Sales Executive John Quintal - Regional Sales Manager Foster Swift Collins & Smith PC Randall L. Harbour - Attorney Great Lakes Capital Fund Tom Edmiston - SVP, Tax Credit Investing Heber Fuger Wendin, Inc. Page 3

4 David G. Barnes - Chairman, President & CEO Howard & Howard Attorneys PLLC Joseph B. Hemker - Partner Jude Sullivan - Partner Investors Title Insurance Company Greg McComas - VP-Midwest Region Jack Henry & Associates Daniel J. Siampaus - Account Executive Kotz Sangster Wysocki P.C. Robert B. Goldi - Attorney Gregory L. Wysocki - Chief Executive Officer Lending Solutions, Inc. Benjamin Johnson - Director of Corporate Development Lighthouse Title Group Deborah Haught - Vice President Jill Smalldon - Director of Marketing Maddin, Hauser, Wartell, Roth & Heller, P.C. Lindsey R. Johnson - Associate Brian A. Nettleingham - McQueen Financial Advisors Inc Charles N. McQueen - President Patrick M. McQueen - Managing Director Craig Sicilia - Chief Investment Officer & Managing Director Michigan Banker LLC Gregory O'Neil - Olejniczak Advisors, LLC Edmond Olejniczak - President Performance Trust Capital Partners, LLC Sean Collins - Plante Moran Brian Franey - Partner Michael Stearns - Partner Platinum Bid Auction Service Craig Kuiper - Auction Manager Steve Scout - PM Environmental, Inc. Steve Price - Principal, VP Due Diligence Priority Health Karole Jensen - Sales Executive, East Region Sales Gwyn Starr - Senior Manager, East Region Rehmann Seth Anderson - Manager Kelly Bebow - Principal, Director of Assurance Practices Heidi Cieslik - Principal Heather Funsch - Senior Manager Kari L. Gerber - Manager, Assurance Services Magdalena Marriott - Assurance Principal Elizabeth Ziesmer - Principal Sandler O'Neill & Partners LP Mark Biche - Managing Director John Plum - Secure Banking Solutions Geritt Guillaume - Regional Sales Representative Simon PLC Attorneys & Counselors Frank R. Simon - Managing Member SNL Financial Mark Nelson - Senior Sales Executive SPI Innovations William Loiacano - President, CEO Glenn Wyman - Vice President Business Development Thompson-Phelan Group Inc John Phelan - Project Consultant Top Flite Financial, Inc. Dan Bove - Michael DeWitt - VP Wholesale Lending Dawn Symington - Branch Manager TransFund Marie Braeutigam - Vice President Warner Norcross & Judd LLP Kurt Brauer - Matthew K. Casey - Partner Ralph Colasuonno - Charlie Goode - Partner Ann Horowitz - Jonathan E. Lauderbach - Rodney D. Martin - Partner Toree Randall - Lori Tuttle Measure - Kevin Wilson - Weltman Weinberg & Reis Co LPA Daniel E. Best - Partner Stuart Best - Partner Guests American Profit Recovery Matt Moskowitz - Partner Charter Capital Partners Jason Byrd - Managing Director Cornerstone Advisors, Inc. Page 4

5 Cummings & Company, LLC Whitley Cummings - President FBI - Detroit, Michigan Fig Partners Daniel D. Floyd - Principal and Managing Director Kus, Ryan & Associates, PLLC Michael A. Kus - Managing Member Luse Gorman Pomerenk & Schick, PC Steven Lanter - Attorney Michigan Department of Insurance and Financial Services Shelley Brown - Regional Supervisor Bruce Ohland - Regional Supervisor Derek Rodriguez - Bryan Spratt - Gary L. Thielsen - Michigan Senate Texas A&M University- The Bush School of Government and Public Service The Baker Group Carl Huxley - Vice President John Parker - Associate Partner Page 5

6 MBA Bank Management and Directors Conference Royal Park Hotel - Rochester, MI 12/3/2014 to 12/5/2014 Speakers Speakers Austin Associates, LLC Rick F. Maroney Cornerstone Advisors, Inc. Jim Burson FBI - Detroit, Michigan Douglas Brozick McQueen Financial Advisors Inc Charley N. McQueen Michigan Department of Insurance and Financial Services Annette Flood Michigan Senate Virgil Smith Texas A&M University- The Bush School of Government and Public Service James Olson The Baker Group Edward A. Krei United Bankers' Bank Dwight Larsen Page 6

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