MBA Bank Management and Directors Conference - 2013 JW Marriott Grand Rapids - Grand Rapids, MI 12/4/2013 to 12/6/2013 Registration List

Members Dennis P. Angner President & CFO Isabella Bank Corporation Mount Pleasant, MI Richard J. Barz Chief Executive Officer Isabella Bank Mount Pleasant, MI Fouad Bazzi VP, Financial Institutions Group Comerica Bank Livonia, MI Laurie Beard President, CEO Founders Bank & Trust Grand Rapids, MI Eric H. Beckhusen Chairman & CEO Century Bank and Trust Coldwater, MI William L. Benear President & CEO Firstbank Ionia, MI Jeffrey S. Berens EVP, Senior Lending Officer West Michigan Community Bank Hudsonville, MI Michelle Biddinger Director Thumb National Bank & Trust Company Pigeon, MI Raymond A. Biggs President & CEO West Shore Bank Ludington, MI Robert Bilotti Chairman, Grand River Commerce Grand River Bank Grandville, MI

MBA Service Corp Endorsed Partner

Daniel Bitzer Senior Vice President First National Bank of Michigan Kalamazoo, MI Ann Bollinger President and CFO Traverse City State Bank Traverse City, MI James A. Bosserd President & CEO ChoiceOne Bank Sparta, MI Elizabeth Bracken President & COO Grand River Bank Grandville, MI Heather D. Brolick President & CEO Community Shores Bank Muskegon, MI Charles D. Bukrey Director Founders Bank & Trust Grand Rapids, MI Timothy Bull Director ChoiceOne Bank Kent City, MI Larry Cade Director Honor Bank Honor, MI Bruce J. Cady President & CEO Lapeer County Bank & Trust Company Lapeer, MI Norman G. Campbell President & CEO Central State Bank Beulah, MI

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John H. Castle Chairman & CEO Southern Michigan Bank & Trust Coldwater, MI

John Donnelly Director Mercantile Bank Corporation Grand Rapids, MI

H. Douglas Chaffin President & CEO Monroe Bank & Trust Monroe, MI

Jay C. Dubey President & CEO Thumb National Bank & Trust Company Pigeon, MI

Robert K. Chapman Chief Executive Officer United Bank & Trust Ann Arbor, MI

Renae Eckland Cheif Operating Officer West Michigan Community Bank Hudsonville, MI

Robert W. Clarke Chairman First Community Bank Harbor Springs, MI

Edwin H. Eichler Chairman & CEO Bay Port State Bank Bay Port, MI

Matthew R. Clarke President First Community Bank Harbor Springs, MI

Eric L. Eishen President & CEO Sturgis Bank & Trust Company Sturgis, MI

Daniel Clarke Chief Executive Officer First Community Bank Harbor Springs, MI

Jae A. Evans Chief Operating Officer Isabella Bank Mount Pleasant, MI

Clare R. Colwell EVP, Senior Lender Firstbank Ionia, MI

Patrick J. Fehring Chairman, President & CEO Level One Bank Farmington Hills, MI

Craig Connor President & CEO Hillsdale County National Bank Hillsdale, MI

Vincent J. Ferris Director Eaton Federal Savings Bank Charlotte, MI

Gregory Conway EVP, Loans Founders Bank & Trust Grand Rapids, MI

Mary M. Fowlie SVP, Chief Compliance Officer Flagstar Bancorp, Inc. Troy, MI

Charles E. Crone 1st Vice President Bank of Ann Arbor Ann Arbor, MI

Dwight Gascho Director Thumb National Bank & Trust Company Pigeon, MI

Garth Deur President & COO, Lake Michigan Financial Corp. Lake Michigan Financial Corp. Grand Rapids, MI

Patrick Gill Chief Executive Officer Grand River Bank Grandville, MI

Richard DeVries President & CEO Monarch Community Bank Coldwater, MI

Rick Goedert President & CEO 1st State Bank Saginaw, MI

MBA Service Corp Endorsed Partner

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Michael Goik President Crestmark Bank Troy, MI

Thomas W. Kohn EVP, Community Banking Chemical Financial Corp. Midland, MI

Lisa L. Haines VP, Retail Sales Manager Chemical Bank Midland, MI

Mark A. Kolanowski President & CEO Hastings City Bank Hastings, MI

Jack Hendon Director ChoiceOne Bank Sparta, MI

Philip J. Koning President & CEO West Michigan Community Bank Hudsonville, MI

Donald Hummel Director Eaton Federal Savings Bank Charlotte, MI

Jeffrey I. Kopelman President & CEO Main Street Bank Bingham Farms, MI

Yasmeen Jasey VP, Financial Institutions Fifth Third Bank Ann Arbor, MI

James Kraenzlein Director First Federal of Northern Michigan Alpena, MI

Timothy Jewell President & CEO Eaton Federal Savings Bank Charlotte, MI

Dennis J. Kuhn Market President Horizon Bank, NA Portage, MI

Mary J. Johnson Senior Vice President ChoiceOne Bank Sparta, MI

Craig Kus President & CEO Bank of Alpena Alpena, MI

Craig Johnson SVP, Senior Lender The State Bank Fenton, MI

Willard W. LaJoie Chairman Central Bank Corporation Sault Ste. Marie, MI

Arthur C. Johnson Chairman & CEO United Bank of Michigan Grand Rapids, MI

Richard M. Lievense Chairman & CEO Lake Michigan Financial Corp. Holland, MI

Patti Judson 1st Vice President, Branch Administration Bank of Ann Arbor Ann Arbor, MI

Eugene C. Lovell President & CEO First State Financial Corp. Saint Clair Shores, MI

Ronald L. Justice President & CEO The State Bank Fenton, MI

James Luyk Chief Financial Officer Lake Michigan Financial Corp. Holland, MI

William B. Kessel President & CEO Independent Bank Grand Rapids, MI

Rob MacLeod AVP, Branch Operations Specialist Chemical Bank Midland, MI

MBA Service Corp Endorsed Partner

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Michael W. Mahler President & CEO First Federal of Northern Michigan Alpena, MI

Scott Meyersieck Board Member Thumb National Bank & Trust Company Pigeon, MI

Gary Malburg Chairman Founders Bank & Trust Grand Rapids, MI

Bonnie Miller Director United Bank of Michigan Grand Rapids, MI

Michael J. Manica President & COO United Bank of Michigan Grand Rapids, MI

Michael J. Miller Chairman Monroe Bank & Trust Monroe, MI

Timothy G. Marshall President & CEO Bank of Ann Arbor Ann Arbor, MI

Kurt G. Miller President Southern Michigan Bank & Trust Coldwater, MI

Kevin Mataway VP, Institutional Investments Fifth Third Bank Southfield, MI

Karena Mills President & CEO OSB Community Bank Brooklyn, MI

Charles Maurer Vice Chairman of the Board OSB Community Bank Brooklyn, MI

Jeffrey M. Mohney Director Sturgis Bank & Trust Company Sturgis, MI

James McCarty Director Independent Bank Grand Rapids, MI

David L. Morrison EVP, Business Banking Market Manager PNC Bank N.A. Troy, MI

David McCormick Chairman Thumb National Bank & Trust Company Pigeon, MI

Thomas Myers EVP, Chief Lending Manager Monroe Bank & Trust Monroe, MI

Scott E. McKelvey EVP, Regional President-Wayne County Monroe Bank & Trust Monroe, MI

Kevin Nelson President & CEO Northstar Financial Group, Inc. Bad Axe, MI

Ronald L. Meister President & CEO Central Savings Bank Sault Sainte Marie, MI

William C. Nill Chairman First State Bank Saint Clair Shores, MI

John Messimer Board Chairman OSB Community Bank Brooklyn, MI

Kathryn Nurre VP, Financial Institutions Group Comerica Bank Livonia, MI

John Meyer Director Thumb National Bank & Trust Company Pigeon, MI

Michael Ohlrich EVP, Chief Lending Officer Main Street Bank Bingham Farms, MI

MBA Service Corp Endorsed Partner

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Chris Orvis Senior Risk Management Officer United Bank of Michigan Grand Rapids, MI

Dennis S. Schichtel Vice President Fifth Third Bank Grand Rapids, MI

Kelly Potes Senior Vice President ChoiceOne Bank Sparta, MI

John M. Schreuder Chairman & CEO First National Bank of Michigan Kalamazoo, MI

Joe Pray Director Eaton Federal Savings Bank Charlotte, MI

Jerome Schwind Chief Integration Officer Isabella Bank Mount Pleasant, MI

Michael H. Price Chairman & CEO Mercantile Bank Corporation Grand Rapids, MI

Michelle Shangraw SVP, Retail Banking Officer Mercantile Bank of Michigan Grand Rapids, MI

Steven D. Pung President Isabella Bank Mount Pleasant, MI

Alexander Shoemaker Management Trainee Lapeer County Bank & Trust Company Lapeer, MI

David B. Ramaker Chairman, President & CEO Chemical Financial Corporation Midland, MI

Jack Shubitowski President & CEO Huron Valley State Bank Milford, MI

Stephen L. Ranzini President & CEO University Bank Ann Arbor, MI

Mark Slade 1st Vice President, CFO Bank of Ann Arbor Ann Arbor, MI

Brent D. Rector Director Founders Bank & Trust Grand Rapids, MI

Grant Smith President & CEO Clarkston State Bank Waterford, MI

David J. Reetz SVP, Chief Lending Officer Isabella Bank Mount Pleasant, MI

Deborah Smith-Olson Chairman & CEO Lake-Osceola State Bank Baldwin, MI

Jeanne E. Richter President & CFO Farmers State Bank of Munith Munith, MI

Samuel G. Stone EVP, Chief Financial Officer Firstbank Corporation Alma, MI

Ronald Rybar Director The State Bank Fenton, MI

Thomas R. Sullivan Chief Executive Officer Firstbank Corporation Alma, MI

Michael G. Sarafa President & CEO Bank of Michigan Farmington Hills, MI

Robert Thomas President & CEO Signature Bank Bad Axe, MI

MBA Service Corp Endorsed Partner

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Michael J. Tierney EVP, Personal Financial Services Flagstar Bancorp, Inc. Troy, MI W David Tull Chairman & CEO Crestmark Bank Troy, MI Charles C. Van Loan Director Independent Bank Corp. Ionia, MI David Walker EVP, Chief Finiancial Officer Level One Bank Farmington Hills, MI Gary D. Waterson Chairman Honor Bank Honor, MI

Affiliate Members Christopher R. Knight Vice President Great Lakes Bankers Bank Troy, MI Jim Nowak VP, Risk Management United Bankers Bank Bloomington, MN James Radtke VP, Investment Training United Bankers Bank Bloomington, MN Thomas W. Tenwalde Chairman Great Lakes Bankers Bank Worthington, OH

Associate Members

Raymond Weigel III Chairman Traverse City State Bank Traverse City, MI

Kirk Anderson Financial Representative EBN - Executive Benefits Network Troy, MI

Marc Weinbaum Director Huron Valley State Bank Milford, MI

Seth Anderson Manager Rehmann Troy, MI

William R. White Chairman, President & CEO Dearborn Federal Savings Bank Dearborn, MI

Nellie Andriyanova Bankers Healthcare Group, Inc. Syracuse, NY

Jeffrey Wildern Chairman Eaton Federal Savings Bank Charlotte, MI

Mark R. Angott President Angott Search Group Rochester, MI

Sandra Willis President & CEO Exchange State Bank Carsonville, MI

Tom Armstrong Partner Bank Financial Services Group Grand Rapids, MI

Michael L. Worden President & CEO Honor Bank Honor, MI

Kimberly Baber Partner Varnum LLP Grand Rapids, MI

Robert T. Worthington SVP, General Counsel & Director Risk Management Mercantile Bank of Michigan Grand Rapids, MI

MBA Service Corp Endorsed Partner

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David G. Barnes Chairman, President & CEO Heber Fuger Wendin Inc Bloomfield Hills, MI

Charles Crowley Managing Director, Investment Banking Boenning & Scattergood, Inc. Beachwood, OH

David W. Barton Member Bodman PLC Cheboygan, MI

Lois Dent Manager Blue Cross Blue Shield of Michigan Detroit, MI

Traci Belt Senior Manager Andrews Hooper Pavlik PLC Saginaw, MI

John C. Donnelly Managing Director Donnelly Penman & Partners Grosse Pointe, MI

Daniel E. Best Partner Weltman Weinberg & Reis Co LPA Troy, MI

Amy J. Durant Partner Bodman PLC Ann Arbor, MI

Mark Biche Managing Director Sandler O'Neill & Partners LP Chicago, IL

Tom Edmiston SVP, Tax Credit Investing Great Lakes Capital Fund Lansing, MI

Nick Bicking Senior Vice President Boenning & Scattergood, Inc. Powell, OH

Dean Feenstra Partner Plante Moran Grand Rapids, MI

Robert Bondy Partner Plante Moran Grand Rapids, MI

Brian Franey Partner Plante Moran Auburn Hills, MI

James H. Breay Partner Warner Norcross & Judd LLP Grand Rapids, MI

Martin S. Frenkel Departmental Co-Chair Maddin, Hauser, Wartell, Roth & Heller, P.C. Southfield, MI

Vince Chiaravalli Corporate Tax Resources Traverse City, MI

Heather Funsch Senior Manager Rehmann Saginaw, MI

Andrew Christians Assistant Vice President Donnelly Penman & Partners Grosse Pointe, MI

Kari Gerber Manager, Assurance Services Rehmann Grand Rapids, MI

Heidi Cieslik Principal Rehmann Troy, MI

Robert B. Goldi Attorney Kotz Sangster Wysocki P.C. Detroit, MI

William Coyne BDO USA, LLP Grand Rapids, MI

Charlie Goode Partner Warner Norcross & Judd LLP Grand Rapids, MI

MBA Service Corp Endorsed Partner

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Jennifer K. Green Attorney Clark Hill PLC Detroit, MI

Breanne Klint Crowe Horwath LLP Grand Rapids, MI

Matthew J. Gurwin Director of Business Development Doeren Mayhew Troy, MI

Josh D. Koepp Vice President First Service Corporation Harper Woods, MI

Kelly Hamilton The Envelope Printery Van Buren Township, MI

Harvey Koning Partner Varnum LLP Grand Rapids, MI

Sandra S. Hamilton Member Clark Hill PLC Grand Rapids, MI

Bonnie Koppenol Crowe Horwath LLP Grand Rapids, MI

Thomas C. Hauck Managing Director & Principal Austin Associates, LLC Toledo, OH

Craig Kuiper Platinum Bid Auction Service Coopersville, MI

Joseph B. Hemker Partner Howard & Howard Attorneys PLLC Chicago, IL

Jeff Kuras Attorney Honigman Miller Schwartz and Cohn, LLP Detroit, MI

Robin Hoag Director, Financial Institutions Group Doeren Mayhew Troy, MI

David F. Lawrence Partner Crowe Horwath LLP Grand Rapids, MI

Tim D. Holt President Profit Resources, Inc Sarasota, FL

Wendi Lewis Account Executive Security Corporation Novi, MI

Mike Holt Consultant Profit Resources, Inc Sarasota, FL

Gordon R. Lewis Partner Warner Norcross & Judd LLP Grand Rapids, MI

Matthew Hoyt Charter Business Saginaw, MI

Phil Linton Regional Sales Director Buzz Points, a fisoc, Inc. Company Austin, TX

Dennis Kaptein Managing Partner Platinum Bid Auction Service Coopersville, MI

William Loiacano President, CEO SPI Innovations Freeland, MI

Kirk King President Continuity Programs, Inc. Walled Lake, MI

Matt Magee Vice President Boenning & Scattergood, Inc. Powell, OH

MBA Service Corp Endorsed Partner

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David Mangan Crowe Horwath LLP Grand Rapids, MI

Jeff Nareski Account Executive ProfitStars Dallas, TX

Bruce F. Marlier Account Executive Deluxe Financial Services Inc Chicago, IL

Mary D. Naz President First Service Corporation Harper Woods, MI

Rodney D. Martin Partner Warner Norcross & Judd LLP Grand Rapids, MI

Edmond Olejniczak President Olejniczak Advisors, LLC Grosse Pointe, MI

Fred Mawson President Corporate Tax Resources Traverse City, MI

Gregory O'Neil Michigan Banker LLC Lansing, MI

Charles N. McQueen President McQueen Financial Advisors Inc Royal Oak, MI

Eric Orlowsky Investment Advisor Representative Heber Fuger Wendin Inc Bloomfield Hills, MI

Ross Meehan Rehmann Grand Rapids, MI

Jeffrey A. Ott Partner Warner Norcross & Judd LLP Grand Rapids, MI

Stephen Miller Partner Andrews Hooper Pavlik PLC Grand Rapids, MI

Dan Persinger Attorney Warner Norcross & Judd LLP Grand Rapids, MI

Terry Monahan Sales Executive Jack Henry & Associates Bloomfield Hills, MI

John Phelan Thompson-Phelan Group Inc Anchorville, MI

Robert Morgan Managing Partner Austin Associates, LLC Toledo, OH

John Plum Sandler O'Neill & Partners LP New York, NY

Randy J. Morse Andrews Hooper Pavlik PLC Bay City, MI

Tom Reuter Business Development Executive VerifyValid Grand Rapids, MI

Bob Muehl Sales Representative The Envelope Printery Van Buren Township, MI

Brian Rhonemus Managing Director Angott Search Group Rochester, MI

Jason Naber Crowe Horwath LLP Grand Rapids, MI

Micki Schueler Account Manager Deluxe Financial Services Inc Ann Arbor, MI

MBA Service Corp Endorsed Partner

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Daniel J. Siampaus Account Executive Jack Henry & Associates Findlay, OH

Julie Wong Founder and CEO Nest8, LLC Ann Arbor, MI

Craig Sicilia Managing Director McQueen Financial Advisors Inc Royal Oak, MI

Gregory L. Wysocki Chief Executive Officer Kotz Sangster Wysocki P.C. Detroit, MI

John Skukalek Principal Rehmann Grand Rapids, MI

Elizabeth Ziesmer Principal Rehmann Troy, MI

Patricia C. Slack Account Manage, Special Markets Blue Cross Blue Shield of Michigan Detroit, MI

Joseph A. Zito Director, Audit and Consulting Doeren Mayhew Troy, MI

Naja Spaulding Crowe Horwath LLP Grand Rapids, MI

Bill Zumvorde Business Development Director Profit Resources, Inc Sarasota, FL

Michael Stearns Partner Plante Moran Portage, MI Courtney Thompson Maddin, Hauser, Wartell, Roth & Heller, P.C. Southfield, MI

Todd Tracey VP of Sales and Marketing VerifyValid Grand Rapids, MI Joseph Turk Assistant Vice President Federal Reserve Bank of Chicago Chicago, IL Sheryl L. Vander Baan Partner Crowe Horwath LLP Grand Rapids, MI Jim VanderVeen Platinum Bid Auction Service Coopersville, MI

Mike Voinovich Boenning & Scattergood, Inc. W Conshohocken, PA

MBA Service Corp Endorsed Partner

Guests Marie Braeutigam Vice President TransFund Birch Run, MI Jeff Farrington Michigan House of Representatives Lansing, MI

Michael Goad Rockford, MI

Bryan Grieve VP, Sales Midwest Region Security Card Services Saint Louis, MO Michael A. Kus Managing Member Kus, Ryan & Associates, PLLC Auburn Hills, MI Matt Moskowitz Partner American Profit Recovery Farmington Hills, MI

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Bruce Ohland Michigan Department of Insurance and Financial Services Lansing, MI

Richard A. Schmalzer Regional Ombudsman Federal Deposit Insurance Corporation Chicago, IL Peter Scully President CommunityBankList.com Roswell, GA Bryan Spratt Michigan Department of Insurance and Financial Services Lansing, MI

Gary L. Thielsen Michigan Department of Insurance and Financial Services Lansing, MI

MBA Service Corp Endorsed Partner

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MBA Bank Management and Directors Conference - 2013 JW Marriott Grand Rapids - Grand Rapids, MI 12/4/2013 to 12/6/2013 Speakers Speakers Austin Associates, LLC Bob Morgan CB Resource Jeff Rigsby Technology Briefing Centers, Inc. Jack Vonder Heide Tim McCormick, Never Be Average Tim McCormick United Bankers Bank Jim Nowak

MBA Service Corp Endorsed Partner

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