Topgolf Showdown

Party of Fore - Both

Bankers Healthcare Group BCC-USA Eclipse Brand Builders, LLC

Par Partners - Both

Abram Armored Executive Insurance Agency ICBA James-Bates-Brannan-Groover Point to Point Environmental SHAZAM

Par Partners - Atlanta

Captive Solutions & Options Genesys Technology Group Mauldin & Jenkins Newcleus NFP OttoMoto, LLC ServisFirst Stokes, Carmichael & Ernst LLP Travelers Wipfli

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Par Partners - Augusta

BCC-USA CRA Partners

Player of the Year - Both

First National Bankers Bank Fiserv FITECH Kasasa United Bankers’ Bank Warren Averett

Player of the Year - Atlanta

Federal Home Loan Bank of Atlanta Holtmeyer & Monson

FACES OF BANKVALUE

From left to right: Michael Klinger, Assistant Vice President; Tom Wittenberg, Junior Financial Analyst; Yolanda Gu, Financial Analyst

New loan growth continues to be a challenge as most banks are extremely liquid with excess deposits. Net interest margin compression is at the top of everyone’s mind so finding alternative ways to grow profitability in a low interest rate environment is a challenge all bankers are facing. United Bankers’ Bank provides loan participations as well as comprehensive investment services. Both of these provide opportunities for community banks to deploy excess liquidity into loan growth and increased interest income. We presently have approximately $200MM down-streamed loans to our respondent banks, delivering earnings to their income statements. UBB Securities utilizes a total balance sheet approach to investment portfolio management which ensures banks are adding incremental income in a strategic, cash flow-focused manner to structure balance sheets for success in months and years ahead. UBB BankValue is comprised of experienced valuation advisors. With backgrounds ranging from accredited appraisers to institutional risk management and more, the team is well equipped to help you make important business decisions. From bank stock valuations, shareholder agreements and fairness opinions, to market research, to confidential merger and acquisition assistance, the BankValue team can assist you every step of the way. With backgrounds ranging from accredited appraisers to institutional risk management and more, the BankValue team is well equipped to help you make important business decisions.

1650 W 82nd Street Suite 1500 Bloomington, MN 55431 Contact: michael.klinger@ubb.com Call: 952-866-9525 Visit: www.ubbbankvalue.com