Austin Associates has been providing customized community bank consulting services for 40 years. Our practice areas encompass investment banking, strategic consulting, financial management, risk management and compliance, technology solutions and insurance and financial services. Additional information about the firm is available at www.austinassociates.com In developing a partnership with Austin Associates, it may be important for you to understand our core values: Austin Associates’ Mission Statement: Focused as consultants and investment bankers to the community bank and thrift industry Dedicated to providing our clients the highest quality service on a timely basis Committed to providing honest and objective advice to build client respect and confidence Devoted to a relaxed work environment to encourage teamwork and creativity Trusted to establish a fair and competitive professional fee structure based on the value of the service rendered, the expertise required and the time involved to achieve client satisfaction