Balance Sheet Management Services, Inc.*

Offers a full range of fee-based analytical services designed to assist institutions in managing their investment portfolios and a full range of fee-based consulting services designed to assist institutions with their regulatory affairs. To learn more about Balance Sheet Management Services, visit us at www.bsmservices.com.

LPC Services, Inc.*

LPC services works with institutional clients nationwide on strategies to enhance the performance of their loan portfolios. We offer loan participations, a loan conduit and other valuable and unique programs. To learn more about LPC Services, visit us at
www.lpcservicesinc.com.

First Empire CD Management, Inc.*

Offers a source for non-negotiable certificates of deposits to institutions, specializing in fixed and variable rate CDs with maturities of one year or more. We tailor maturities to meet your needs. To learn more about First Empire CD Management, visit us at www.firstempirecd.com

First Empire Asset Management, Inc.*

First Empire Asset Management (FEAM) is an SEC Registered Investment Advisory specializing in diversified large capitalization growth investment strategies. We offer a family of investment strategies customized to each of our clients’ need for liquidity and risk-return requirements. Our clients benefit from direct access to our portfolio managers. We actively communicate with our clients providing personal attention and investment customization. To learn more about First Empire Asset Management, visit us at www.1empiream.com.