Strong relationships and in-depth dialogue for effective, compliant strategies.

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1 Long-term client relationships with a range of financial institutions. In our more than 30 years of service to financial institutions throughout the country, DCG has built strong relationships with our clients based upon mutual respect, strong advice and our ability to think ahead of the curve. Over the years, we have been able to help our clients in all aspects of the ALM process. Comprehensive Modeling We demand a lot from ourselves and our consultants. DCG is always ready to run a variety of scenarios that help us gain confidence in our risk assessment and strategy. Chris Nelson, Senior Vice President, Finance & Treasury and Chief Investment Officer Bangor Savings Bank Bangor, ME The depth of the DCG staff is striking. They have analysts who accept responsibilities that are left for actual consultants at other A/L firms. Tim Ryan, Chief Financial Officer Monona State Bank Monona, WI Rigorous Assumptions The breadth and depth of the assumptions process is unlike any other I have experienced and sets the stage for the ALCO model to be a meaningful strategic tool. James Brannen, Chief Financial Officer Federal Savings Bank Dover, NH

2 Risk Assessment I have engaged DCG on multiple occasions, with multiple institutions of various asset sizes, and through periods of time that included very different challenges and risks for bankers to wrestle with. Through the years, DCG s tools for assessing balance sheet risk have evolved with technology advances and are always best in class and favorably received by our regulators. While tools and business issues change with the times, there have been several consistent factors that have set DCG apart year after year. The knowledge and guidance provided by the DCG team of consultants and analysts is always spot on. As a result, our ALCO meetings are strategy focused, and when we execute, we do so knowing the action is based on advice coming from a business partner that is independent of all trading activities. Our best interest is always DCG s best interest. Jerry Gassen, President & Chief Executive Officer Ameriana Bank New Castle, IN Strategy Development Our recent engagement with Darling Consulting Group has enhanced our Asset Liability Management process. We have a better understanding of our overall risk position, and DCG s strategy development process allows us to optimize earnings wile balancing risk. Bob Hoke, Vice President of Finance Belco Community Credit Union Harrisburg, PA Most consultants tell you what to do without much input from the client. DCG helps facilitate and support our decision-making process. They promote dialogue that leads to effective strategies that we all buy into. Jim Conlon, President & Chief Executive Officer Bruce Nickerson, Executive Vice President, Chief Financial Officer & Treasurer Bangor Savings Bank Bangor, ME Our relationship with DCG ensures we focus on what needs to be done, and directs ALCO to drive towards strategic action. Jim Smitherman, President, Chief Executive Officer & Chief Financial Officer Security Bank Odessa, TX

3 ALCO Action The new normal in asset liability management? DCG s value proposition centers on comprehensive analysis aimed at developing strategies to improve performance. The principles outlined in the new regulatory guidance of 2010 are not new to DCG or their clients. Steve Crouse, Chief Financial Officer Paragon Commercial Bank Raleigh, NC Sometimes it s difficult to step out of our comfort zone and do what we know is best for our institution. DCG not only helps educate management and the board to develop confidence in our strategies, but will also take an active role in helping with execution when warranted. Jerry Gebert, Chairman of the Board River Cities Bank Wisconsin Rapids, WI Contingency Planning A robust contingency liquidity management tool has become a must-have in the credit union sector. Liquidity360 s Contingency Funding Plan, along with the Risk Monitor scorecard and stress testing capabilities, has put us at the forefront of managing liquidity and adhering to the Interagency Guidance on Liquidity Management. Beyond regulatory appeasement, we utilize the cash flow forecasting tool to plan for future liquidity needs. Eric Renaud, Chief Financial Officer Pima Federal Credit Union Tucson, AZ L360 and the accompanying Liquidity and Contingency Funding Plan have been instrumental in meeting the requirements established by the Interagency Guidance on Funding and Liquidity Risk Management. It is a flexible system that captures the variables that impact liquidity, stresses the liquidity sources and frames the results in a concise report. The risk monitor and stress testing allow the bank to measure pertinent events that impact liquidity, provides trend analysis and gives a realistic assessment of the strengths and weaknesses in the bank s contingency plan. Frank Kenney, Chief Financial Officer Northern Bank & Trust Company Woburn, MA

4 We started using Liquidity360 (L360) last fall in response to the increasing demands of the regulators! The L360 package is all-inclusive and easily adaptable to any institution. Since that time, we began using L360 to aid in planning for all future funding needs, not just to meet regulatory demands. It is easy to use and has been a real time saver for us. Barbara Broczkowski, Chief Financial Officer Regal Bank & Trust Owings Mills, MD Board Involvement Our Board has made great strides in their ALM knowledge and involvement. We re a better bank as a result. DCG has played a significant role in making that happen. Tim Kronenwetter, President & Chief Executive Officer Indiana First Bank Indiana, PA DCG has a great relationship with the regulators. Field examiners have been invited to attend ALCO meetings during our past two safety and soundness exams, which has undoubtedly given them a better understanding of the Bank s position and led to fewer questions of management. Annual training sessions provided by DCG to the Board have also been invaluable in helping our Directors understand key ALM concepts, as well as their roles and responsibilities with regard to asset/liability management. Carri Brown, Chief Financial Officer Biddeford Savings Bank Biddeford, ME Independence DCG s independence is invaluable. I always know there s no hidden agenda, only a commitment to help us maximize the performance of the bank. Scott Cattanach, Chief Financial Officer Peoples State Bank Wausau, WI Regulatory Compliance The regulators are seldom happy. When necessary, I always know DCG will offer support and assistance in our defense. Steve Crouse, Chief Financial Officer Paragon Commercial Bank Raleigh, NC

5 Our examiner requested we place additional strain on our liquidity stress test assumptions. I ran to my office, made a few quick changes in our Liquidity360 model, and returned a few moments later with an updated forecast. The examiner was both impressed with the turn around and pleased with our analysis. Laura Gorman, Treasury Manager Bridgehampton National Bank Bridgehampton, NY The regulators made a 180 change in their assessment of our liquidity management practice after we engaged DCG to work with us. We couldn t have been more pleased. Kim Saunders, President & Chief Executive Officer Mechanics and Farmers Bank Durham, NC Model Validation The examiners, during the bank s annual safety and soundness exam, were complimentary of both the bank s liquidity contingency policy and the liquidity stress testing. The board ALCO, board of directors, and senior management of Mechanics and Farmers Bank were pleased with these services performed by DCG in 2010 and the in-person review you gave the board ALCO. As a direct result of those services, we have retained DCG to perform liquidity stress testing for the 6/30/11 balance sheet. Randall C. Hall, Senior Vice President & Chief Financial Officer Mechanics and Farmers Bank Durham, NC