Northern NJ Community Bankers 2021 Membership Directory

2021

MEMBERSHIP DIRECTORY

427 Linwood Avenue Ridgewood, NJ 07450 (201) 447-5253

Convenient modern banking in the of your neighborhood.

Visit ColumbiaBankOnline.com or any of our branch locations.

(800) 522-4267 Follow us on social media.

Community Bankers/Charter Members

MID-ATLANTIC

2021 Officers PRESIDENT Matthew R. Carcich President and CEO Freedom Bank

VICE PRESIDENT Ferdinand R. Viaud President and CEO Glen Rock Savings Bank

IMMEDIATE PAST PRESIDENT Thomas J. Kemly President and CEO Columbia Bank

ICBA STATE DIRECTOR James Hughes President and CEO Unity Bank

EXECUTIVE DIRECTOR Brian McAllister

Mission Statement

To preserve and promote the ideals of community banking by addressing the educational and networking needs of our members PUBLISHER’S NOTE: The information contained in the Northern New Jersey Community Bankers’ 2021 Membership Directory is derived from the institutions or firms listed, government authorities, and/or other sources deemed reliable. Every attempt has been made to ensure the accuracy of the information contained, however the publisher cannot guarantee accuracy at the time of publication. Please advise should there be information requiring updating and alterations will be made in subsequent Directory editions.

427 Linwood Avenue, Ridgewood, NJ • (201) 447-5253

1

NJ Regulatory Agencies

New Jersey Department of Banking & Insurance Division of Banking 20 W State Street Trenton, NJ 08625 PO Box 040 (609) 292-7272 (609) 777-0107 www.state.nj.us/dobi

Federal Deposit Insurance Corporation New York City Regional Office 20 Exchange Place | 4th Floor New York, NY 10005 (800) 334-9593 www.fdic.gov

Federal Home Loan Bank of New York Division 2 101 Park Avenue New York, NY 10178 Routing Number 0260 0973 9, 1-973/260 (212) 681-6000 (212) 441-6890 www.fhlbny.com

2

33 Liberty Street New York, NY 10045 Routing Number 0210 0120 8, 1-120/210 (212) 720-5000 (212) 720-7459 www.newyorkfed.org

Office of the Comptroller of the Currency Northeastern District

NJ Regulatory Agencies

Federal Reserve Bank of New York Division 2

340 Madison Avenue | 5th Floor New York, NY 10017 (212) 790-4000 (212) 790-4098

3

QUICK INDEX: Bank Members

1

1st Colonial National Bank (856) 858-1100

1st Constitution Bank (609) 655-4500

A

Atlantic Community Bankers Bank

B

The Bank of Princeton

(860) 657-3595 (609) 921-1700

BCB Community Bank (201) 823-0700

Berkshire Bank (609) 454-0338

Blue Foundry Bank (201) 939-5000

Bogota Savings Bank (201) 862-0660

Brunswick Bank & Trust (732) 247-5800

C

Columbia Bank (800) 522-4167

Community Federal Savings Bank (718) 847-6333

ConnectOne Bank (201) 816-8900

4

(856) 439-0300

Crown Bank

(908) 659-2100

Federal Home Loan Bank of NY (212) 441-6700

F

First Bank

(609) 643-4901

The First Bank of Greenwich (203) 629-8400

First Hope Bank

QUICK INDEX: Bank Members

Cornerstone Bank

(908) 459-4121

Freedom Bank (201) 977-4402

Freehold Bank (732) 462-6700

Gibraltar Bank (888) 472-1819

G

Glen Rock Savings Bank (973) 636-5888

GSL Savings Bank (201) 869-9300

Haven Savings Bank (201) 659-3600

H

5

QUICK INDEX: Bank Members

I

Independent Community Bankers of America (ICBA) (202) 821-4471

Investors Bank (973) 376-5100

K

Kearny Bank

L

Lakeland Bank

(973) 244-4500 (973) 697-2000

Lincoln 1st Bank (973) 694-0330

M

Magyar Bank

(732) 342-7600

Mariner’s Bank (201) 224-9110

N

New Millennium Bank (732) 729-1100

Noah Bank

(201) 328-8092

Northfield Bank (732) 499-7200

NVE Bank (201) 816-2800

6

(215) 938-8800

P

The Provident Bank (732) 590-9200

Regal Bank

(973) 716-0600

R

RSI Bank

(732) 587-1525

Schuyler Savings Bank (201) 991-0001

S

Somerset Savings Bank

QUICK INDEX: Bank Members

Prudential Bank

(732) 560-1700

Spencer Savings Bank (201) 703-3800

URSB

(732) 541-5445

U

Unity Bank

(908) 730-7630

The Westchester Bank (914) 368-9919

W

7

QUICK INDEX: Bank Members

QUALITY PRODUCTS AND RESOURCES DELIVERED BY NORTHERN NJ COMMUNITY BANKERS ASSOCIATE MEMBERS Northern NJ Community Bankers is proud to support our associate members who provide a wide variety of quality products and services to meet the growing needs of our bank member base.

As associate members of Northern NJ Community Bankers, these vendors have committed to providing bank members with quality resources and valuable cost savings, as well as supporting the organization through annual dues, sponsorships, event attendance and various royalty agreements.

Together, as an organization, we must choose to continue strengthening this unique and dedicated partnership through reciprocity whenever possible.

8

(856) 505-6860

A

Accounting Principals Parker & Lynch (201) 843-8882

acxell

(877) 651-1700

All Covered

(856) 824-4200

American Bankers Association (202) 663-5546

Atlantic Community Bankers Bank (860) 657-3595

QUICK INDEX: Associate Members

Abacus I.T.

Atlantic Technology Systems, Inc. (973) 579-3038

Baker Tilly

(732) 388-5210

B

Bankers Healthcare Group, LLC (332) 219-2481

Bond Street Mortgage LLC (201) 282-5016

Borden Perlman Insurance (609) 896-3434

9

QUICK INDEX: Associate Members

C

CenterState Bank (404) 694-6624

CFO Consulting Partners LLC (609) 309-9307

COCC

(866) 678-0444

Crowe LLP

(973) 422-2420

D

D.A. Davidson (201) 786-0247

Deposit Solutions (646) 522-8432

E

eDelta Consulting Inc.

F

Federal Home Loan Bank of NY

(646) 205-9960

(212) 441-6700

Financial Outsourcing Solutions (FOS) (610) 603-5603

FIS Global Business Solutions (201) 301-6500

Fiserv

(603) 493-6183

G

10

Griffin Financial Group, LLC (610) 205-6119

(973) 276-0044

H

Hinman, Howard & Kattell, LLP (914) 694-4102

Holtmeyer & Monson (800) 340-7304

ICBA Securities (800) 422-6442

I

Independent Community Bankers of America (ICBA) (202) 821-4471

The Invictus Group (718) 219-0441

The Kafafian Group, Inc. (TKG)

K

La Macchia Group, LLC

L

M&T Bank

M

(973) 299-0300 (412) 298-8259 (201) 250-1609

QUICK INDEX: Associate Members

Hamilton and Babitts, CPA

McCarter & English (973) 639-2029

Medici Real Estate Group, LLC (973) 427-3445

MUFG Union Bank, N.A. (212) 782-5934

11

QUICK INDEX: Associate Members

N

NB Appraisal LLC (973) 723-6881

Net It On, LLC (732) 360-2999

New Jersey Bankers Association (908) 272-8500

O

On The Mark Communications, LLC (908) 276-7766

On The Mark Payments, LLC (732) 230-7700

P

Paladin fs

(877) 746-4859 ext. 723

Pentegra Retirement Services (800) 872-3473

Piper Sandler & Co.

(212) 466-7832 | (800) 635-6851

Princeton Partners FSG (Financial Solutions Group) (609) 452-8500

PrismPremier

(833) 870-4999

ProBank Austin (301) 262-6987

R

Riker Danzig Scherer Hyland & Perretti LLP (973) 538-0800

12

(855) 860-4888

RSM US LLP

(212) 372-1113

Sherman Wells Sylvester & Stamelman LLP

S

(973) 302-9700

Statewide Reports Inc. (201) 444-8668

Stevens & Lee (609) 243-6434

Trinity Appraisal & Real Estate Services

T

Vantage GRC Solutions

V

(860) 645-1300 (855) 860-4777

QUICK INDEX: Associate Members

RSK Compliance Solutions

Vining Sparks IBG, L.P. (800) 786-2834

Western Technologies Group, LLC (WTG)

W

(856) 653-5663

Wolf & Company, P.C. (617) 439-9700

WolfPAC Integrated Risk ManagementÂŽ (617) 428-5477

13

BANK Members

1st Colonial National Bank 1040 Haddon Avenue Collingswood, NJ 08108 Robert B. White President and CEO (856) 858-1100 (856) 858-9255 www.1stcolonial.com

1st Constitution Bank 2650 Route 130 Cranbury, NJ 08512 Robert F. Mangano President and CEO (609) 655-4500 (609) 655-5653 www.1stconstitutionbank.com

Atlantic Community Bankers Bank 1400 Market Street Camp Hill, PA 17011

Costa Nasiakos AVP Relationship Manager (860) 657-3595 www.acbb.com See Our Ad

The Bank of Princeton 183 Bayard Lane Princeton, NJ 08540 Edward J. Dietzler President and CEO (609) 921-1700 (609) 921-8350 www.thebankofprinceton.com

14

591-595 Avenue C Bayonne, NJ 07002 Thomas Coughlin President and CEO

(201) 823-0700 (201) 339-0403 www.bcbcommunitybank.net

BANK Members

BCB Community Bank

Berkshire Bank

4420 Route 27 Kingston, NJ 08528 Nina Melker Senior Vice President (609) 454-0338 www.firstchoice-bank.com

Blue Foundry Bank 25 Orient Way Rutherford, NJ 07070 James D. Nesci President and CEO (201) 939-5000 (201) 221-8269 www.bluefoundrybank.com

Bogota Savings Bank 819 Teaneck Road Teaneck, NJ 07666 Joseph Coccaro President and CEO (201) 862-0660 (201) 862-0599 www.bogotasavingsbank.com

15

BANK Members

Brunswick Bank & Trust 439 Livingston Avenue New Brunswick, NJ 08901 Nicholas A. Frungillo, Jr. President and COO (732) 247-5800 (732) 247-5996 www.brunswickbank.com

Columbia Bank

19-01 Route 208 North Fair Lawn, NJ 07410 Thomas J. Kemly President and CEO (800) 522-4167 www.columbiabankonline.com See Our Ad

Community Federal Savings Bank, NY

5 Penn Plaza | 14th Floor New York, NY 10001 Martin Hyman President and CEO (212) 897-9650 www.cfsb.com

ConnectOne Bank

301 Sylvan Avenue Englewood Cliffs, NJ 07632 Elizabeth Magennis President (201) 816-8900 (201) 816-8911 www.connectonebank.com

16

6000 Midlantic Drive | Suite 120S Mount Laurel, NJ 08054 Benjamin Watts Executive Vice President and CFO (856) 380-8045 www.cornerstonebank.net

BANK Members

Cornerstone Bank

Crown Bank

27 Prince Street Elizabeth, NJ 07208 Kevin Lenihan President and COO (908) 659-2100 (908) 289-1601 www.crownbank.net

Federal Home Loan Bank of NY 101 Park Avenue New York, NY 10178

Adam Goldstein SVP, Chief Business Officer (212) 441-6700 www.fhlbny.com

First Bank

2465 Kuser Road Hamilton, NJ 08690 Patrick L. Ryan President and CEO (609) 643-4901 (609) 587-8353 www.firstbanknj.com

17

BANK Members

The First Bank of Greenwich 444 East Putnam Avenue Cos Cob, CT 06807 Frank J. Gaudio President and CEO (203) 629-8400 (203) 629-8409 www.greenwichfirst.com

First Hope Bank

1301 Hope-Bridgeville Road Hope, NJ 07844 Donald D. Somma President and CEO (908) 459-4121 (908) 459-5429 www.firsthope.com

Freedom Bank

99 West Essex Street | 2nd Floor Maywood, NJ 07607 Matthew R. Carcich President and CEO (201) 977-4402 (201) 909-8733 www.freedombanknj.com

Freehold Bank

68 West Main Street Freehold, NJ 07728 James H. Wainwright President and CEO (732) 462-6700 (732) 431-0429 www.myfreeholdbank.com

18

1719 Route 10 East Parsippany, NJ 07054 Robert Walsh President and CEO (973) 515-0885 (973) 372-1175 www.gibraltarbanknj.com

BANK Members

Gibraltar Bank

Glen Rock Savings Bank 183 Rock Road Glen Rock, NJ 07452 Ferdinand R. Viaud President and CEO (973) 636-5888 (201) 652-1738 www.glenrocksavings.com

GSL Savings Bank

6823 Bergenline Avenue Guttenberg, NJ 07093 Nicholas J. Tedesco, Jr. President and CEO (201) 869-9300 (201) 869-4083 www.gslsavingsbank.com

Haven Savings Bank 621 Washington Street Hoboken, NJ 07030 John Wessling III President and CEO (201) 659-3600 (201) 222-7671 www.havenbank.com

19

BANK Members

Independent Community Bankers of America (ICBA) Barrington, NH

Bill Pusey Vice President/Member Relations (202) 821-4471 www.icba.org

Investors Bank

101 JFK Parkway Short Hills, NJ 07078 Domenick Cama President and COO (973) 376-5100 (973) 376-5357 www.isbnj.com

Kearny Bank

120 Passaic Avenue Fairfield, NJ 07004 Craig Montanaro President and CEO (973) 244-4500 (973) 439-6914 www.kearnybank.com

Lakeland Bank

250 Oak Ridge Road Oak Ridge, NJ 07438 Thomas Shara President and CEO (973) 697-2000 (973) 697-5809 www.lakelandbank.com

20

31 Boonton Turnpike Lincoln Park, NJ 07035 Phillip B. Vaz CEO and COO (973) 694-0330 (973) 694-3114 www.lincolnparksavings.com

BANK Members

Lincoln 1st Bank

Magyar Bank

400 Somerset Street New Brunswick, NJ 08901 John Fitzgerald President and CEO (732) 342-7600 (732) 249-5548 www.magbank.com

Mariner's Bank

935 River Road Edgewater, NJ 07020 Robert Baumann President and CEO (201) 224-9110 (201) 224-9386 www.marinersbank.com

New Millennium Bank 222 Bridge Plaza South Fort Lee, NJ 07024 Hong S. Hur President and CEO (732) 729-1100 (732) 729-4399 www.nmbonline.com

21

BANK Members

Noah Bank

2337 Lemoine Avenue Fort Lee, NJ 07024 Edward Shin President and CEO (201) 328-8092 (201) 944-8294 www.noahbank.com

Northfield Bank

581 Main Street Woodbridge, NJ 07095 Steve Klein President and CEO (732) 499-7200 (732) 634-0528 www.enorthfield.com

NVE Bank

70-76 Engle Street Englewood, NJ 07631 Robert Rey President and CEO (201) 816-2800 (201) 568-9821 www.nvebank.com

Prudential Bank

3993 Huntingdon Pike | Suite 300 Huntingdon Valley, PA 19006 Kevin J. Gallagher Senior Vice President and Chief Lending Officer (215) 938-8800 (215) 938-5457 www.prudentialsavingsbank.com

22

100 Wood Avenue South Iselin, NJ 08830 Anthony Labozzetta President and COO (732) 590-9200 www.providentnj.com

BANK Members

The Provident Bank

Regal Bank

570 W. Mount Pleasant Avenue Livingston, NJ 07039 Thomas Lupo President and CEO (973) 716-0600 (973) 994-9361 www.regalbanknj.com

RSI Bank

1500 Irving Street Rahway, NJ 07065 Don Godfrey Executive Vice President and CLO (732) 587-1506 (732) 388-0671 www.rsibanking.com

Schuyler Savings Bank 24 Davis Avenue Kearny, NJ 07032

George Halski President and CEO (201) 991-0001 (201) 991-1681 www.schuylersavings.com

23

BANK Members

Somerset Savings Bank 220 West Union Avenue Bound Brook, NJ 08805 William Taylor President and CEO (732) 560-1700 (732) 560-0097 www.somersetsavings.com

Spencer Savings Bank 611 River Drive | Center 3 Elmwood Park, NJ 07407 Jane Rey President (201) 703-3800 (201) 797-4226 www.spencersavings.com

URSB

11-15 Cooke Avenue Carteret, NJ 07008 Kenneth R. Totten Chairman, President and CEO (732) 541-5445 (732) 541-5446 www.ursbank.com

Unity Bank

64 Old Highway 22 Clinton, NJ 08809 James Hughes President and CEO (908) 730-7630 (908) 730-8781 www.unitybank.com

24

12 Water Street White Plains, NY 10601

Ken Walter Senior Vice President and CFO (914) 368-9919 www.thewestchesterbank.com

BANK Members

The Westchester Bank

25

ASSOCIATE Members

ASSOCIATE MEMBERS

26

122 E. Kings Highway | Suite 501 Maple Shade, NJ 08052 Matthew Embrey matt@goabacus.com (856) 505-6860 (856) 505-6867 www.goabacus.com

ASSOCIATE Members

Abacus I.T.

Abacus I.T. is an IT services provider in the community banking sector. We understand and share your concerns regarding compliance with federal and state regulations. Handling information technology within your industry requires experts that are able to understand, follow, monitor and report on all the various rules and regulations in an effort to minimize risk and protect your most valuable assets, your customers, and their private information. Abacus I.T. has the know-how to achieve and maintain compliance.

ProAbacusComplianceCare™ is a program designed to minimize costs, increase productivity and prepare your organization for your next annual IT audit. This specially-designed program deals with your information security policies, managing your IT assets, monitoring your IT assets, and maintaining your audit handbook, along with many other features.

Services provided under the ProAbacusComplianceCare™ include computer network management, network administration, network infrastructure design, securing your network, patch management, change management, web filtration, anti-virus/ anti-malware management, vulnerability scanning, secure email, IT asset management, cabling, repair service, network consulting, as well as a variety of other IT related products and services that are available from our diverse staff of professionals.

ProAbacusComplianceCare™ - we are ready for you.

27

ASSOCIATE Members

Accounting Principals Parker & Lynch 80 East Route 4 | Suite 230 Paramus, NJ 07652 Nina Nardone Senior Account Manager nina.nardone@accountingprincipals.com (201) 843-8882 (201) 843-8572 www.accountingprincipals.com Temporary and permanent placement of accounting, finance and office personnel

28

646 Route 18 | Suite 201 East Brunswick, NJ 08852 Phil Gonzalez Managing Director pgonzalez@acxellrms.com (877) 651-1700 www.acxellrsm.com

ASSOCIATE Members

acxell

Leading provider of high-quality risk management solutions that include Internal Audit, Regulatory Compliance, BSA/AML, IT and Enterprise Risk Management Review Services, Marijuana Banking and more See Our Ad

29

ASSOCIATE Members

All Covered 7000 Commerce Parkway | Suite A Mount Laurel, NJ 08054 Damon Gramley Strategic Account Manager dgramley@allcovered.com

(856) 824-4200 www.allcovered.com

All Covered is the leading provider of IT Compliance and Cybersecurity services to financial institutions. We enable our customers to implement competitive products and services to acquire, maintain and grow customers. Our team of certified security and compliance professionals are former banking and IT security executives experienced in delivering solutions to financial institutions. We help organizations in the finance industry meet the standards of FFIEC, GLBA and other IT regulations. We provide a complete suite of services engineered to mitigate security and compliance risk.

30

1120 Connecticut Avenue, NW Washington, DC 20036 Joe Daniel Vice President, Membership jdaniel@aba.com

(202) 663-5546 (202) 828-6071 www.aba.com

ASSOCIATE Members

American Bankers Association

The American Bankers Association brings together banks of all sizes and charters into one association. ABA works to enhance the competitiveness of the nation’s banking industry and strengthen America’s economy and communities. Its members — the majority of which are banks with less than $125 million in assets — represent over 95% of the industry’s $13.3 trillion in assets and employ over 2 million men and women.

31

ASSOCIATE Members

Atlantic Community Bankers Bank 1400 Market Street Camp Hill, PA 17011

Costa Nasiakos AVP, Relationship Manager cnasiakos@acbb.com (860) 657-3595 www.acbb.com

Financial institutions gain performance, competitive and cost savings advantages by leveraging technology and relationships with trusted partners.

"Empowering Partners, Innovating Solutions", is more than a tag line, it is the ACBB rallying cry. Attracting, retaining, and growing clients is driven by ideas, solutions, and support. ACBB is ideally positioned to support our clients through a broad, integrated suite of payments, technology, and advisory solutions.

Looking for more information regarding our solutions to community Financial Institution needs? Reach out to us today and learn how our products, people and services can assist you in reaching your goals in 2021.

See Our Ad

32

386 State Route 94 South Newton, NJ 07860 James A. Montagne President

(973) 579-3038 (973) 579-7199 www.safetinet.com

ASSOCIATE Members

Atlantic Technology Systems, Inc.

Atlantic Technology Systems, Inc. is a professional IT services company specializing in secure network infrastructures, remote and on-site IT administration, SAFETiNET™ computer network management, IT security, auditing, reporting, patch and change management.

33

ASSOCIATE Members

Baker Tilly 99 Wood Avenue South | Suite 801 Iselin, NJ 08830 Christopher DeMarco Senior Manager christopher.demarco@bakertilly.com (732) 388-5210 (888) 264-9617 www.bakertilly.com Baker Tilly is a leading advisory, tax and assurance firm whose specialized professionals guide clients through an ever-changing business world, helping them win now and anticipate tomorrow.

Move your organization toward the future that you envision by working with a team who understands your financial services company, and who will talk with you about your challenges to help you find the right solution. The industry continues to diversify, but competition and more complex vendor relationships make determining business strategy more complicated. Our professionals understand your concerns and help address your most pressing needs.

Our focused team of banking industry specialists strives to provide insight that can be utilized by management to make better-informed decisions. We devote time to understanding the issues our banking clients face, so you receive solutions specifically tailored to meet your unique needs that is not just a “check the box� exercise. For financial institutions complying with myriad regulations while seeking greater profitability, Baker Tilly’s banking specialists have the experience and insight to help you thrive in the current environment.

Our team provides accounting and assurance, consulting, valuation, tax and regulatory compliance services to the community banking industry. We currently serve more than 500 financial institutions, with 150 dedicated financial service professionals. Baker Tilly is regularly named a best place to work, and our happy employees translate to happy clients. Our tailored approach emphasizes communication and collaboration for your organization.

Connect with our financial services industry specialists to discuss solutions that will help overcome your greatest obstacles and propel your depository and lending institution to the pinnacle of success.

34

201 Solar Street Syracuse, NY 13204 Kathleen Connellan VP, Institutional Relationships kconnellan@bhg-inc.com (332) 219-2481 www.bhgbanks.com

ASSOCIATE Members

Bankers Healthcare Group

BHG originates, underwrites, funds and sells loans! BHG can simplify the way your bank earns. You can get unlimited access to high-quality professional loans – delivered in a complete package for ultimate convenience. BHG only targets and markets 17% of the US population, using models to determine risk and propensity to take our product — resulting in more than 20,000 coveted borrowers each month.

BHG offers financial solutions to medical and other highly-skilled professionals providing over $6 billion in funded loans since 2001. Our 1,150 bank partners have trusted this program as a proven source of interest income and diversification for their bank. To date, no bank has taken a loss on the BHG Core Loan Program and have earned an average return of 3–6.5%.

35

ASSOCIATE Members

Bond Street Mortgage, LLC 115 West Century Road | Suite 115 Paramus, NJ 07652 James M. Di Piazza President and CEO james@bondstreetmtg.com (201) 282-5016 (201) 282-5017 www.bondstreetmortgage.com

Non-depository mortgage lender licensed in 15 states with primary lending focus on residential 1 to 4 unit properties.

36

250 Phillips Boulevard | Suite 280 Ewing, NJ 08618 Doug Borden Partner dborden@bordenperlman.com (609) 896-3434 (609) 895-1468 www.bordenperlman.com

ASSOCIATE Members

Borden Perlman Insurance

Borden Perlman is an industry leader in Financial Institution risk management services. From cyber breaches to foreclosures and company mergers, you face complex loss exposures.

You need an experienced insurance partner – a partner who stays on top of the latest information from the FDIC and the Department of Banking Insurance (DOBI) and insures countless other community banks and community development financial institutions.

Borden Perlman promotes best practices education with our proprietary risk management platform to help our clients stay ahead of the curve. We offer training and advice pertinent to your industry on matters such as the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), wire transfers, cyber security and more.

From directors and officers insurance to bankers’ professional liability coverage, we have every protection you need. Count on us for mortgage impairment coverage, other real estate owned (OREO), general liability, professional liability, auto, workers’ compensation, property, EPLI, crime, cyber liability and more.

We are licensed in 48 states so we can accommodate multi-branch institutions and out of state exposures.

Borden Perlman is a member of the New Jersey Bankers Association.

See Our Ad

37

ASSOCIATE Members

CenterState Bank 400 Interstate N Parkway | Suite 1200 Atlanta, GA 30339 Kimberly Tucker First Vice President ktucker@centerstatebank.com (404) 694-6624 www.cbscorrespondent.com

Formed over 20 years ago from a group of Florida-based community banks, CenterState Bank, N.A. understands and deals with the same challenges other banks face daily. Blending this firsthand experience with a talented group of Correspondent Bankers, we are committed to provide banks with innovative products and services to help them operate efficiently internally and compete effectively in the marketplace. We believe in providing premier correspondent banking products and investing in the people and technology required to bring these solutions to market.

The Correspondent Division proudly serves over 600 banks in 40 states with seven offices nationwide. Our newest office, located in New York City, serves the Mid-Atlantic and Northeast regions.

Community banks may want to take advantage of our Capital Markets support, use our ARC (Assumable Rate Conversion Program) for loan hedging, or leverage our full suite of International Services to generate fee income – all while providing their small and mid-sized businesses more capabilities. In addition, we offer Cash Management/Wire Transfer, ACH Services, OFAC scanning, Bond Accounting, Federal Funds Programs and Syndicated C&I National Credits.

38

174 Nassau Street #411 Princeton, NJ 08542 Eric Segal Managing Director esegal@cfoconsultingpartners.com (609) 309-9307 www.cfoconsultingpartners.com

ASSOCIATE Members

CFO Consulting Partners LLC

CFO Consulting Partners LLC was formed in 2006. Our Community Banking practice was launched in 2008 and offers broad-based C-level financial management support to the industry. We work with boards and senior management who need of sophisticated solutions to help manage the increasing pace of change driven by customers, investors, regulators.

Our team of experienced businesspeople has deep experience as bank CFOs and Controllers, and we deliver practical finance and accounting solutions which are valued by our clients. We are passionate about bringing our knowledge, experience, and perspectives to our clients.

Our specialties include: CFO support for senior-level projects, CEO support with interim and part-time CFO and Controllership service, M & A buy and sell side due diligence and post-merger integration, technical accounting assistance, audit readiness, SEC reporting, project management, accounting process improvement, and financial planning and analysis.

39

ASSOCIATE Members

COCC 100 Executive Boulevard Southington, CT 06489 Sue Salecky SVP, Chief Marketing Officer susan.salecky@cocc.com (866) 678-0444 (860) 677-1169 www.cocc.com

COCC is an award-winning client-owned financial technology company servicing community banks throughout the Northeastern United States. Launched in 1967, COCC was founded by its clients. This unique cooperative structure has set COCC apart from the competition and is one of the driving forces behind their success. COCC is recognized as a leader in delivering innovation and the quality service financial institutions demand and deserve.

See Our Ad

40

354 Eisenhower Parkway | Suite 2050 Livingston, NJ 07039 Bill Hoving Office Managing Partner bill.hoving@crowe.com (973) 422-2420 (973) 422-4520 www.crowe.com

ASSOCIATE Members

Crowe LLP

Crowe LLP (www.crowe.com) is a public accounting, consulting and technology firm with offices around the world. Crowe uses its deep industry expertise to provide audit services to public and private entities. The firm and its subsidiaries also help clients make smart decisions that lead to lasting value with its tax, advisory, risk and performance services. Crowe is recognized by many organizations as one of the best places to work in the U.S. As an independent member of Crowe Global, one of the largest global accounting networks in the world, Crowe serves clients worldwide. The network consists of more than 200 independent accounting and advisory services firms in more than 130 countries around the world.

41

ASSOCIATE Members

D.A. Davidson Robert Pabst Senior Vice President 600 East Crescent Avenue Upper Saddle River, NJ 07458 bpabst@dadco.com (201) 786-0247

Edward Losty

Jay L. Junior

Managing Director 1150 Market Street Suite 300 Denver, CO 80202 elosty@dadco.com (303) 764-6030

Managing Director 111 South Calvert Street Suite 105 Baltimore, MD 21202 jjunior@dadco.com (410) 369-1177

www.dadavidson.com D. A. Davidson, which was established in 1935 in Great Falls, Montana, currently has over 1,300 employees in 88 offices between 23 states. The capital markets group’s extensive capabilities include investment banking, institutional sales/ trading, equity research, corporate services, brokered CD underwriting and advisory services.

D.A. Davidson’s depository strategy team uses state-of-the-art fixed income analytics, combined with industry leading portfolio management technology to help clients maximize shareholder returns, while minimizing credit, interest rate, and liquidity risks. Our depository strategy team’s philosophy is to combine technology, practical balance sheet management experience, and knowledge of risk management best practices to drive superior decisionmaking. The team frequently speaks with clients and regulators on the topics of: interest rate risk management, prudent sector allocation, and relative value across all sectors of the fixed income market. Our services include: • Comprehensive balance sheet review • Strategic recommendations based on the institution’s unique risks and circumstances • Fixed income market

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85 Broad Street New York, NY 10004 Shana Hennigan Head of Sales & Origination shana.hennigan@deposit-solutions.com (646) 522 8432 www.deposit-solutions.com/us

ASSOCIATE Members

Deposit Solutions

Let us help you adjust to the new normal and position yourself for future growth. We specialize in raising deposits by connecting you digitally to the consumer through our platform.

This provides you with: • Diverse national distribution channels to market your savings products based on your target criteria • No institutional intermediation: you solely decide what rates to offer consumers and can adjust them anytime • Best of both worlds: deposits are received with wholesale simplicity while they still exhibit retail funding characteristics such as stickiness and granularity See Our Ad

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ASSOCIATE Members

eDelta Consulting Inc. 122 East 42nd Street | Suite 608 New York, NY 10168 Ed McNally Managing Director emcnally@edeltaconsulting.com (646) 205-9960 www.edeltaconsulting.com

Internal audit, branch audits, IT audits, AML/BSA audits, KYC audits, compliance — all departments, commercial lending, all facets of risk management

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101 Park Avenue New York, NY 10178 Adam Goldstein SVP, Chief Business Officer fhlbny@fhlbny.com

Maureen Kalena Vice President/Relationship Manager maureen.kalena@fhlbny.com (212) 441-6706

ASSOCIATE Members

Federal Home Loan Bank of New York

(212) 441-6700 www.fhlbny.com

The FHLBNY is a government-sponsored enterprise, owned by its stockholders, that provides wholesale liquidity to member community lenders in New York, New Jersey, Puerto Rico and the U.S. Virgin Islands to help them more effectively meet the needs of their customers and CRA responsibilities. The FHLBNY is committed to operating a financially safe and sound organization and fostering diversity at all levels by ensuring the inclusion of minorities, women and individuals with disabilities in employment, in its business activities, and in service contracts.

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ASSOCIATE Members

Financial Outsourcing Solutions (FOS) 2763 Century Boulevard Reading, PA 19610 Thomas R. Strause, CIA, CFE, CBA, CISA, CFSA, CICA Partner tstrause@fosaudit.com (610) 603-5603 www.fosaudit.com

Financial Outsourcing Solutions (FOS) is a leading provider of internal audit, risk management and compliance services to financial institutions located in Pennsylvania, New Jersey, Maryland, Delaware, and New York.

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Jacksonville, FL Patrick J. Schunke Line of Business Executive, FIS - Core Banking pj.schunke@fisglobal.com (201) 301-6500 (201) 670-8538 www.fisglobal.com

ASSOCIATE Members

FIS Global Business Solutions

FIS is the world’s largest global provider dedicated to banking and payments technologies, having been named the number one overall financial technology provider in the annual FinTech 100 rankings.

With a long history deeply rooted in the financial services sector, FIS serves more than 14,000 institutions in over 100 countries.

FIS delivers the most comprehensive range of solutions for the broadest range of financial markets and holds leadership positions in payment processing and banking solutions, providing software, services and outsourcing of the technology that drives financial institutions.

FIS’ proven solutions serve many markets, including: Card Services: comprehensive, customized and flexible solutions and services for credit, debit and merchant card processing.

Check Services: complete check management programs and solutions for collecting outstanding check debt.

Commercial Lending: an enterprise-wide, integrated technology solution that supports the entire commercial lending process.

Community Banking: core processing, eBanking, check imaging and business intelligence tools to optimize efficiencies, mitigate risks, maximize revenues and strengthen customer relationships. ePayments: electronic banking solutions to generate additional revenue, increase/retain market share and decrease operating expenses.

Technology Support: technology solutions and services to meet all your business needs.

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ASSOCIATE Members

Fiserv 255 Fiserv Drive Brookfield, WI 53045 Brian Sprague Account Representative brian.sprague@fiserv.com (603) 493-6183 www.fiserv.com

Provider of Technology Solutions to the Financial World

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485 Madison Avenue | 20th Floor New York, NY10022 Richard L. Quad Head, Financial Institutions Group rlq@griffinfingroup.com (646) 254-6387 www.griffinfingroup.com

ASSOCIATE Members

Griffin Financial Group, LLC

Griffin Financial Group is an investment bank specializing in assisting financial institutions in understanding their strategic and financial alternatives, raising capital, facilitating and structuring M&A transactions and securitizing and selling assets, including troubled assets. Griffin also assists financial institutions in public offerings, institutional placements, sales, syndication and other capital markets activities. Griffin offers assistance with capital planning, strategic planning, non-depository M&A, branch purchases and sales, and other strategic matters. Through our unique platform, we also have the ability to assist our clients in attracting non-traditional sources of capital, including private equity funds, hedge funds and insurance companies, and in attracting strategic partners.

Griffin has 40 investment bankers and is part of a professional services platform consisting of over 200 multidisciplinary professionals with occupational and educational diversity and broad and deep banking sector experience. Our staff includes many former senior executive officers of both large and small depository institutions, specialty lenders and others in the sector with hands-on operating and transactional experience. Our inhouse, industry-specific financial accounting and tax capabilities are unique among investment banks specializing in the financial institutions sector. This platform gives us the ability to understand our financial institution clients’ needs from their perspective and to develop innovative structures to address their challenges.

Griffin is licensed by FINRA.

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ASSOCIATE Members

Hamilton and Babitts, Certified Public Accountants 271 Route 46 West | Suite D109 Fairfield, NJ 07004 Steven Babitts Partner sbabitts@fasbhome.com (973) 276-0044 (973) 276-3226 www.fasbhome.com Accounting, Internal and External Auditing and Tax Services

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707 Westchester Avenue | Suite 407 White Plains, NY 10604 Nir E. Gozal, Esq. Special Counsel ngozal@hhk.com (914) 694-4102 (914) 694-4510 www.hhk.com

ASSOCIATE Members

Hinman, Howard & Kattell, LLP

HH&K is a full-service law firm with offices in five states (NY, NJ, PA, FL, NH). The firm offers the expertise of our big-city counterparts combined with the personal attention and clientfriendly fee structure of a smaller, local firm. Our experienced attorneys counsel financial institutions on regulatory, litigation and transactional matters, and other matters affecting financial institutions throughout the business lifecycle. When advising our financial institution clients, we leverage the firm's various practice groups and specialties, including Banking & Finance, Commercial & Residential Real Estate, Corporate & Securities, Litigation, Labor & Employment, Intellectual Property, Cybersecurity, Pension & Employee Benefits, and Taxation.

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ASSOCIATE Members

Holtmeyer & Monson 8812 Classic Drive Memphis, TN 38125 Arne Monson President amonson@holtandmon.com (800) 340-7304 (901) 748-1903 www.holtandmon.com

Holtmeyer & Monson is a full service Lender Service Provider, specializing in SBA and USDA loan programs. We are endorsed by the ICBA as a Preferred Service Provider. Our services include loan packaging and consulting, loan closings, secondary market services, and portfolio management.

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775 Ridge Lake Boulevard | Suite 175 Memphis, TN 38120 Jim Reber President and CEO jreber@icbasecurities.com (800) 422-6442 (901) 766-5333 www.icbasecurities.com

ASSOCIATE Members

ICBA Securities

ICBA Securities provides a full suite of investment products and services for community banks through its exclusively endorsed broker, Vining Sparks. Included are traditional debt securities, interest rate products, whole loans, and M&A and bank valuation services. Vining Sparks also has state-of-the-art asset/liability and bond accounting products. ICBA Securities, a wholly owned subsidiary of the ICBA, provides a full calendar of educational events for community bankers and investment professionals. ICBA Securities is endorsed by 32 affiliated state banking associations, and is the only broker/dealer owned by the community banking industry.

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ASSOCIATE Members

Independent Community Bankers of America (ICBA) Barrington, NH Bill Pusey Vice President/Member Relations bill.pusey@icba.org (202) 841-4471 www.icba.org

The Independent Community Bankers of America® creates and promotes an environment where community banks flourish.

With more than 52,000 locations nationwide, community banks constitute 99 percent of all banks, employ more than 760,000 Americans and are the only physical banking presence in one in five U.S. counties. Holding more than $4.9 trillion in assets, $3.9 trillion in deposits, and $3.4 trillion in loans to consumers, small businesses and the agricultural community, community banks channel local deposits into the Main Streets and neighborhoods they serve, spurring job creation, fostering innovation and fueling their customers’ dreams in communities throughout America. For more information, visit ICBA’s website at www.icba.org

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164 Horton Street Bronx, NY 10464 George Dean Callas Chief Revenue Officer and National Sales Director gcallas@invictusgrp.com (718) 219-0441 www.invictusgrp.com

ASSOCIATE Members

The Invictus Group

The Invictus Group is a data-driven strategic advisory firm that uses disruptive bank intelligence to give its clients a competitive advantage in M&A strategic and capital planning, stress testing and CECL readiness. Invictus is recgonized as an industry thought leader in bank analysis, strategic consulting and M&A advisory services.

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ASSOCIATE Members

The Kafafian Group, Inc. 90 Highland Avenue | Suite 201 Bethlehem, PA 18017 Robert Kafafian Chairman and CEO rkafafian@kafafiangroup.com (973) 299-0300 (973) 299-1002 www.KafafianGroup.com

Jeffrey P. Marsico President jmarsico@kafafiangroup.com

The Kafafian Group ("TKG") is a finance, strategy, and operations consulting firm specializing in performance measurement, profitability outsourcing, strategic and business planning, regulatory assistance, process improvement, board and management advisory services and investment banking advisory services.

TKG has helped over 600 financial institutions in over forty states improve back-office operations, utilize systems more effectively, and develop better management information and reporting. TKG's primary focus is community banks, but clients' asset size ranges from $100 million to over $100 billion.

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217 College Avenue Oakmont, PA 15139 David Welsh Vice President of Business Development dwelsh@lamacchiagroup.com (412) 298-8259 (414) 223-4488 www.lamacchiagroup.com

ASSOCIATE Members

La Macchia Group, LLC

La Macchia Group is dedicated to planning, branding, designing, building and evolving financial institutions. We are a strategic consultative, design – build partner who only serves the financial industry.

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ASSOCIATE Members

M&T Bank

45 Eisenhower Drive Paramus, NJ 06520 Richard K. Ahlmeyer Vice President/Financial Institutions Team Leader rahlmeyer@mtb.com (201) 250-1609 www.mtb.com

M&T offers a full array of correspondent services that include cash vault, domestic and foreign wires, L/C's corporate/ commercial card lock box and custodial services. All priced competitively and are supported by a team of responsive and friendly customer specialist dedicated to your needs.

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100 Mulberry Street Newark, NJ 07102 Michael M. Horn, Esq. Partner mhorn@mccarter.com

Veronica Montagna, Esq. Member of the Firm vmontagna@mccarter.com

ASSOCIATE Members

McCarter & English

(973) 639-2029 (973) 297-3817 www.mccarter.com

McCarter & English provides legal services to financial institutions.

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ASSOCIATE Members

Medici Real Estate Group, LLC 886 Belmont Avenue | Suite C North Haledon, NJ 07508 Joseph A. Medici President jmedici@mediciappraisals.com (973) 427-3445 (973) 427-0944 www.mediciappraisals.com

Medici Real Estate Group, LLC has provided top-tier real estate appraising, sales and full AMC services for over 30 years. Our utilization of the latest industry technologies, while maintaining a very personal level of customer service lacking in most larger firms has engendered a long-lasting and satisfied clientele. Our extensive experience in both the appraising and real estate fields also enables us to provide reliable and effective expert witness services in an array of property law cases.

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1221 Avenue of the Americas | 8th Floor New York, NY 10020 Michael V. Fallon Director michael.fallon@unionbank.com (212) 782-5934 www.mufgamericas.com A Partner who can help move your business forward.

ASSOCIATE Members

MUFG Union Bank, N.A.

Choosing a correspondent bank is about more than finding the services you need. You’re entering a mission-critical business partnership, so you want an institution you can trust. As a division of MUFG Union Bank, N.A. we share in the rich 150-year history of serving clients in the United States. We are backed by the strength and stability of Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world with total assets of over $3.1 trillion. We can offer you many advantages; we know the ever-changing regulatory landscape, and we can be counted on to expertly deliver the full range of products and banking services you need both domestic and international. This is the kind of correspondent partnership your bank deserves in order to improve efficiencies, profitability, reduce costs and streamline operations.

MUFG Union Bank, N.A. products and services include: • Treasury Management Services • National Cash Vault Services o

SmartSafe solution for your Commercial clients

• Image Cash Letter • Global Trade Services – Letter of credit enhancements • Foreign Exchange Services • Institutional Investment Services (UBIS, the brokerage subsidiary of MUFG Union Bank, N.A.) • Global Custody Services • Wire and Internal Transfer Services • Interest Rate Risk Management • Private-Label Lockbox Services

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ASSOCIATE Members

NB Appraisal LLC 17 Forest Road East Hanover, NJ 07936 Nate Buono Member/Owner nbappraisal@gmail.com (973) 723-6881 (973) 515-0729

Delivering residential appraisal and consulting services.

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58 Main Street | Suite 1C Hackensack, NJ 07601 Vincent P. Brana Principal info@netiton.com (732) 360-2999 (732) 385-1294 www.netiton.com

ASSOCIATE Members

Net It On, LLC

Net It On's IT Services are built to cover all of your IT support needs, from your employee workstations to your servers, and even other devices on your network that are necessary for your organization's efficiency. By performing regular maintenance and monitoring your systems 24x7x365, we can drastically reduce the amount of downtime your staff experience. Our team is always looking out for your business and your goals, and can help you meet your IT needs as you expand. Our proactive maintenance can keep your IT investments running smoothly and our experienced support staff can assist your users with any technology-related issues.

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ASSOCIATE Members

New Jersey Bankers Association 411 North Avenue East Cranford, NJ 07016 John E. McWeeney, Jr. President and CEO (908) 272-8500 (908) 272-6626 www.njbankers.com

Founded 116 years ago, the New Jersey Bankers Association (NJBankers) is a trade association representing 75 banks and over 175 service providers. NJ Bankers provides a variety of services to members including government relations at both the state and national levels; education and professional development and employee benefit programs through licensed insurance brokerage facility, Bankers Cooperative Group.

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719 Raritan Road Clark, NJ 07066 Christine Spigai President cspigai@onthemarkcommunications.com

(908) 276-7766 (908) 276-7765 www.onthemarkcommunications.com

ASSOCIATE Members

On The Mark Communications, LLC

Our name is no accident. Since 2000, On The Mark has delivered exactly what clients look for in a total outsource marketing partner. We’ve built a solid reputation for providing responsive and flexible marketing solutions – always with quality results, competitive pricing and superior customer service. Proactive and experienced partners, our comprehensive product and service offering includes graphic design, copywriting, printing and direct mail, email marketing, web design, advertising design and placement, promotional marketing products, banners and signs, etc.

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ASSOCIATE Members

On The Mark Payments, LLC 719 Raritan Road Clark, NJ 07066 Dick Spigai

Chairman and CEO dspigai@onthemarkpayments.com (732) 230-7701

RJ Spigai

President rspigai@onthemarkpayments.com (732) 230-7702 (732) 228-6337 www.onthemarkpayments.com On The Mark Payments delivers comprehensive merchant services solutions through an aggressive Agent Bank Program that carries a number of advantages for financial institutions.

Led by industry veterans, On The Mark Payments understands the inherent challenges facing today’s banks – especially NJ Community Banks. To achieve a competitive advantage in today’s marketplace, banks need more than a front- and backend processor. They need a partner that delivers more. On The Mark Payments provides a cost-effective processing fee structure, the latest technology-driven solutions, and a uniqueto-the-industry level of customer support. As a result, financial institutions are able to deliver a meaningful value-added service to both new and existing commercial customers, and realize new and increased deposit balances, along with stronger fee income.

On The Mark Payments’ Agent Bank Program Provides: • Residual Revenue Stream • Increased Commercial DDA Balances • Cash Advance Revenue

• Detailed Management Reporting • Dedicated Branch Sales Support

• Ongoing Educational / Training Sessions, Support • State-of-the-art Technology and Incentive Programs • Referral Revenue

• 24/7 Technical Support See Our Ad

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• Employee Rewards

P.O. Box 4668 #17410 New York, NY 10163-4668 Linda Stahl National Partner Executive Business Development lstahl@paladinfs.com

(877) 746-4859 ext. 723 (860) 712-9490 www.paladinfs.com

ASSOCIATE Members

Paladin fs

Paladin fs is exclusively focused on assisting community banks negotiate fair market contract terms and pricing with Core, IT and fintech suppliers by leveraging the Paladin Blue Book™.

Paladin has rebalanced the legacy status quo in critical Core and IT banking contracts, helping financial institutions stand up to the industry supplier oligopoly, reduce business risk and improve profitability.

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ASSOCIATE Members

Pentegra Retirement Services 2 Enterprise Drive | Suite 408 Shelton, CT 06484 Kevin Killian Regional Director BOLI and Non-Qualified Benefits Plans killian@pentegra.com (914) 821-9422

Fabrizio D'Uva Regional Director BOLI and Non-Qualified Benefits Plans fabrizio.duva@pentegra.com (914) 607-6855 (203) 925-0674 www.pentegra.com

At Pentegra, our objective is simple: deliver retirement plan solutions with the highest level of integrity. Since our founding by the Federal Home Loan Bank System more than 75 years ago, we’ve viewed retirement planning through the eyes of our clients and their employees. We hold ourselves to a higher standard, because expert governance focused on plan and participant success leads to better results.

Pentegra offers a full range of retirement programs, including MEPs and Group Trusts, 401(k) plans, Defined Benefit Pension plans, Cash Balance plans, 412(e)(3) Fully Insured Defined Benefit plans, Split Funded Defined Benefit plans, KSOPs, ESOPs, Profit Sharing plans, Age-Weighted plans, New Comparability plans, 457(b) and 457(f) plans, 403(b) plans, 401(a) plans, Section 79 plans, 701.19 plans, Non-qualified Executive Benefit and Director plans, benefits financing solutions using BOLI and a full array of TPA services. With every retirement solution, we bring the same focus — relieving you of the fiduciary and administrative burdens that come with sponsoring a retirement plan.

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1251 Avenue of the Americas | 6th Floor New York, NY 10020 Robert Fornes Managing Director robert.fornes@psc.com (212) 466-7889 (212) 466-7832 | (800) 635-6851 (212) 466-7888 www.pipersandler.com

ASSOCIATE Members

Piper Sandler & Co.

Piper Sandler is a leading investment bank and institutional securities firm driven to help clients Realize the Power of PartnershipÂŽ. Through a distinct combination of candid counsel, focused expertise and empowered employees, we deliver insight and impact to each and every relationship. Our proven advisory teams combine deep product and sector expertise with ready access to global capital.

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ASSOCIATE Members

Princeton Partners FSG (Financial Solutions Group) 205 Rockingham Row Princeton, NJ 08540 Tom Sullivan CEO tsullivan@princetonpartners.com (609) 452-8500 www.princetonpartnersfsg.com

Princeton Partners FSG is a consultancy of experienced bankers, technologists and marketers that help community banks accelerate growth in revenues, assets and earnings.

We use an holistic approach that overcomes the transactional nature of bank marketing with an actionable, data-driven plan that is integrated with the bank’s mission, vision, strategy, and long-term objectives.

Our team of former bank CEOs, CFOs and CIOs, combined with data-driven marketers, brings new alignment, energy and execution to assist bank executives in winning market share.

We identify new revenue streams, reduce the costs of back-end systems and improve the use of digital platforms, operations and systems to increase productivity. We use data-driven marketing to achieve predictable results that achieve a bank’s asset and deposit objectives while also achieving their brand goals.

We see great opportunities for leaders with the right mindset who are willing to invest strategically in order to achieve measurable ROI and sustainable growth.

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317 George Street | 3rd Floor New Brunswick, NJ 08901 info@prismpremier.com (833) 870-4999 www.prismpremier.com

ASSOCIATE Members

PrismPremier

Our latest innovation, PrismPremier CECL 360, provides a software-driven solution designed specifically to address the full spectrum of FASB’s Current Expected Credit Losses (CECL) standard. More complexity and increased scrutiny are expected under this new standard, and spreadsheets just won’t cut it anymore. CECL 360 makes the transition from ALLL to CECL seamless. It is customizable, and provides you with a 360˚ view of your allowance calculation instantaneously. CECL 360 enables you to access historical information, adjust for past events and future conditions, and develop “reasonable and supportable” forecasts of current expected credit losses over the life of each asset.

Powered by TXB, LLC, the PrismPremier brand of software products is developed collaboratively by a team of experienced financial industry professionals and seasoned technology specialists. Serving the needs of community banks for over 25 years, our team understands and appreciates the challenges that are inherent in the complex accounting, regulatory and compliance environment that bank executives face on a daily basis. Our guiding principles of quality, flexibility and simplicity ensure confidence in all PrismPremier brand products and services.

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ASSOCIATE Members

ProBank Austin 100 Park Avenue | Suite 1600 New York, NY 10017 Shelly Berman Business Development Executive sberman@probank.com (301) 262-6987 www.probank.com

ProBank Austin is one of the nation’s largest financial institution consulting and education firms providing specialized advisory services in Investment Banking, Financial Management, Strategic Consulting, Regulatory and Compliance Risk Management, and Education services. Our customized professional services encompass mergers and acquisitions, strategic planning, stock valuations, capital planning, loan review, asset/liability management, profitability, loan pricing services, and more. We also provide educational programs to thousands in the financial industry through our proprietary programs, as well as through our relationships with many banking associations and agencies.

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One Speedwell Avenue | Headquarters Plaza Morristown, NJ 07962-1981 Michael R. O'Donnell Partner modonnell@riker.com

Mary Kathryn Roberts Partner mroberts@riker.com

ASSOCIATE Members

Riker Danzig Scherer Hyland & Perretti LLP

(973) 538-0800 (973) 538-1984 www.riker.com Riker Danzig has served the New Jersey community for over 135 years and it is proud to be counsel for the New Jersey Bankers Association. We have earned a national reputation as being the firm to go to in New Jersey for practical, innovative and costeffective legal solutions. The reputation of our firm and its lawyers gives us inherent credibility in the capital markets, courts and government hallways of New Jersey. Since the firm’s inception, the representation of banks and other lending institutions has been one of our main practice areas. Our attorneys have a rich background in representing lenders in virtually every type of loan or financing transaction. The firm represents national and New Jersey banks, thrift institutions and other lenders in a variety of transactions including: loans secured by developed and undeveloped real estate; commercial finance; regulatory and consumer; trusts and estates; litigation and bankruptcy.

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ASSOCIATE Members

RSK Compliance Solutions

2001 Route 46 | Waterview Plaza | Suite 310 Parsippany, NJ 07054 Aneel Eijaz Director aeijaz@rskcompliance.com (855) 860-4888 www.rskcompliance.com

RSK Compliance Solutions is a boutique regulatory compliance consulting and review firm specializing in serving financial institutions. Since 2003, RSK has grown to become a premier firm in the financial services compliance consulting industry meeting the needs of community banks within the primary markets of New Jersey, New York and Pennsylvania. We provide a full suite of regulatory compliance services, either as a function of support to compliance officers (co-sourcing) or as a cost-effective outsourced solution. Our core services include compliance monitoring/self-testing and advisory services across all areas of banking, including: • BSA/AML and OFAC • Regulatory Compliance (Deposits, Operations and Lending) • Consumer Protection (Fair Lending and UDAAP) • Bank Operations RSK’s range of services also includes compliance-specific risk assessments, “best-in-class” compliance training and specialty product offerings, such as CRA Evaluations and Mapping, Website ADA Compliance and Secondary Market Quality Control.

In addition, we offer an array of compliance support options and interactive engagement resources, such as our innovative RSK.IQ question and answer center, RSKonnect and the RSKonnect Webinar Series. Our ethos of “Reliability, Service & Knowledge” defines our focus and our commitment to providing the highest degree of value to our clients.

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James Norfleet Partner

4 Times Square, 151 West 42nd Street | 19th Floor New York, NY 10036 james.norfleet@rsmus.com (212) 372-1113

John Lanza Partner

333 Thornall Street Edison, NJ 08837 (732) 515-7322

ASSOCIATE Members

RSM US LLP

www.rsmus.com RSM’s purpose is to deliver the power of being understood to our clients, colleagues and communities through world-class audit, tax and consulting services focused on middle market businesses. The clients we serve are the engine of global commerce and economic growth, and we are focused on developing leading professionals and services to meet their evolving needs in today’s ever-changing business environment.

RSM US LLP is the U.S. member of RSM International, a global network of independent, audit, tax and consulting firms with more than 43,000 people in over 120 countries. For more information, visit rsmus.com, like us on Facebook, follow us on Twitter and/or connect with us on LinkedIn.

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ASSOCIATE Members

Sherman Wells Sylvester & Stamelman LLP 210 Park Avenue | 2nd Floor Florham Park, NJ 07932 Anthony J. Sylvester Partner asylvester@shermanwells.com (973) 302-9700

Craig L. Steinfeld Counsel csteinfeld@shermanwells.com (973) 302-9697 (973) 845-2546 www.shermanwells.com

Sherman Wells is a full-service law firm with 31 experienced attorneys, fiduciary accountants and paralegals practicing in disciplines including Banking and Financial Services Law, Broker-Dealer Litigation and Arbitration, Commercial and Business Litigation, Corporate Law, Estate Planning and Estate Administration, Estate and Fiduciary Litigation, Executive Compensation, Intellectual Property and Technology, Media and Entertainment, Mergers and Acquisitions, Professional Liability Claims and Taxation.

Although we are a new law firm, we have practiced together for years. We bring with us the talent and experience we’ve gained working with large, prominent law firms, but with the efficiency of a smaller firm. We handle the legal and business needs of a broad range of clients, from Fortune 100 corporations to closelyheld businesses to individuals and families.

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666 Godwin Avenue | Suite 200 Midland Park, NJ 07432 Amy Coiro President acoiro@statewidereports.com (201) 444-8668 (201) 444-9537 www.statewidereports.com

ASSOCIATE Members

Statewide Reports Inc.

Comprehensive AMC Credit Reporting Service including a variety of products. We are a reliable company servicing the Banks of New Jersey. Our services include property reports, floods, judgements, corporate searches, appraisals and many other products.

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ASSOCIATE Members

Stevens & Lee Princeton Pike Corporate Center 100 Lenox Drive | Suite 200 Lawrenceville, NJ 08648 Edward C. “Ned� Hogan ech@stevenslee.com (609) 243-6434 (610) 371-7387 www.stevenslee.com

Serving the needs of the banking industry for generations, Stevens & Lee has unparalleled experience in the legal disciplines relevant to the financial services industry. We counsel financial institutions in connection with complex regulatory and securities matters, mergers and acquisitions, structured finance transactions, litigation, regulatory enforcement activity, collection and workout, and other sophisticated strategies. We also serve the everyday needs of financial services companies in the employment, employee benefits, tax, lending, and syndication, bankruptcy, real estate, technology and environmental arenas, as well as in other areas. In addition, our consumer finance lawyers advise financial institutions on state and federal regulatory compliance for their mortgage, home equity, auto, credit sale and other consumer lending programs.

Stevens & Lee is part of a professional services platform which also consists of a FINRA-licensed investment bank, a D&O insurance risk consulting business and federal and state lobbying units. We understand first-hand the challenges financial institutions face.

Among our 200 multidisciplinary professionals are former bank senior executive officers; former Big Four financial accountants; tax professionals; risk managers; regulatory compliance officers and research analysts.

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217 Main Street Manchester, CT 06042 Jim Heneghan trinityappraisal@aol.com (860) 645-1300 (860) 643-7918

Walter Shicko (ME) (207) 360-0078

ASSOCIATE Members

Trinity Appraisal & Real Estate Services

Mark Valenti (FL) (941) 416-8353 www.trinityappraisal.com

WE SELL NON-PERFORMING NOTES & OREO Jim Heneghan of Trinity Real Estate has established direct relationships with financial institutions from his 36 years in banking, which allows Trinity Real Estate to offer non-performing notes and OREO properties. Trinity Real Estate offers a portfolio of notes to enable our equity buyer clients to capitalize on the growing opportunities of acquiring REO properties and notes.

Jim Heneghan is a seasoned finance and real estate professional with extensive experience in all facets of real estate, finance, property evaluation, acquisitions, marketing and sales.

Call either Jim Heneghan (860) 645-1300 or Walter Shicko (860) 721-0179 for more information.

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ASSOCIATE Members

Vantage GRC Solutions 33 Wood Avenue South | Suite 600 Iselin, NJ 08830 Brad Breslin Chief Operating Officer bbreslin@vantagegrc.com (855) 860-4777 www.vantagegrc.com

Vantage has been providing technology-enabled advisory and managed services solutions to financial institutions for over 20 years. We have in-depth experience helping clients manage their compliance risk management programs and ensure the integrity and effectiveness of complex technologies utilized to comply with BSA/AML & OFAC/Sanctions, as well as IT/Cybersecurity regulations, and other rules and requirements.

Our highly experienced subject matter experts deliver valuable insights and objective guidance to CEOs, COOs, CFOs, CROs, BSA Officers, Compliance Officers, CIOs, CTOs and Boards of Directors. We develop and implement integrated solutions that align compliance risk strategy to business strategy, enhance performance, improve security, and fulfill regulatory requirements by effectively leveraging technology to protect financial institutions and their customers.

Vantage’s collaborative, personalized approach ensures that our services are customized specifically for your institution. Our focus is on understanding the risks and challenges you face, so we can meet your needs in an efficient, cost-effective, and sustainable manner.

Services we provide include: Model Validations: Model Validations, Model Reviews, Data Validations, System Calibrations & Implementations Governance: Risk Assessments, Staffing Analysis, Target Operating Models, DFS Part 504, Methodology Development Managed Services: Lookbacks/Remediations, Project Management, Compliance Testing, Audits

Remediation,

Information Technology & Cybersecurity: Strategy, Risk Assessments, Program Review/Gap Analysis, DFS Part 500, Multi-year Plans

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359 Beechwood Avenue Middlesex, NJ 08846 Cindi Rupp Rand crand@viningsparks.com (800) 786-2834 (732) 764-9774 www.viningsparks.com

ASSOCIATE Members

Vining Sparks IBG, L.P.

Institutional Fixed Income brokerage and related analytic services, loan trading and Interest Rate Products services

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ASSOCIATE Members

Western Technologies Group, LLC (WTG) 360 East Main Street Somerville, NJ 08876 Mark Liston VP – National Sales mliston@wtgroupllc.com (973) 885-9255 (856) 653-5663 www.wtgroupllc.com

Western Technologies Group, LLC (WTG) is the premiere provider of flood zone determinations in the U.S. The accuracy and quality of our reports and services make us a leader in the industry. Flood is no longer a check box on a form. WTG is a full service flood information, education, mitigation company. Staffed by Certified Floodplain Managers and GIS analysts to provide information that can reduce flood insurance premiums. WTG’s Flood Resource Center offers clarity and peace of mind by providing guidance and assistance. WTG can help mitigate portfolio risk.

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99 High Street | Floor 2 Boston, MA 02110 William J. Nowik, CISA, CISSP, QSA, PCIP, CCSFP Principal (617) 439-9700 wnowik@wolfandco.com

Alan D. Lloyd, CPA Senior Audit Manager (617) 933-3356 (215) 983-5996

ASSOCIATE Members

Wolf & Company, P.C.

www.wolfandco.com Wolf & Company’s financial institution practice is one of the largest in the Northeast, providing unparalleled client service in assurance, tax, risk management, and business consulting services to more than 300 institutions. Our clients represent financial institutions from denovo community banks to large regional institutions facing unprecedented regulatory scrutiny.

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ASSOCIATE Members

WolfPAC Integrated Risk Management

®

Wolf & Company, P.C. 99 High Street | 21st Floor Boston, MA 02110 293 Eisenhower Parkway Livingston, NJ 07039 Ron Taché General Manager rtache@wolfandco.com (617) 428-5477 www.wolfpacsolutions.com

WolfPAC Integrated Risk Management® is a secure, web-based enterprise risk management solution used to automate the identification of risk, threats and control gaps.

Developed by financial professionals in 2004, WolfPAC® provides tools to review and monitor information technology, privacy, vendor, and other enterprise-wide risk assessments.

Quarterly methodology updates are designed to align with changing business environments and emerging compliance and examination standards. A robust suite of reports allows management to analyze their control gaps and benchmark risk profiles against peers. WolfPAC® keeps institutions safe and sound, and maximizes the outcome of strategic objectives.

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Take comfort in the sound investments of ICBA Securities.

Cover your community bank in the comfort of knowing you have quality investment products.

ICBA Securities powered by Vining Sparks is interwoven with ICBA — so when you put your trust in us, you support the community banking industry.

Find your snug investment options at icba.org/securities Member FINRA/SIPC

Why is COCC the best core provider for community banks?

Because we are owned by them.

Looking for a better core?

COCC is owned by our clients and driven by their success, not shareholder profit. We deliver superior products and unmatched service as a true partner to move our clients forward.

COCC | 100 Executive Boulevard | Southington, CT | www.cocc.com

FINANCIAL INSTITUTIONS

We’ve been in New Jersey almost as long as there has been banking in New Jersey.

Commercial Finance

Governmental Affairs

Litigation

Consumer Finance

Trusts and Estates

Bankruptcy

Real Estate

LEGAL MINDS BUSINESS MATTERS MORRISTOWN WHITE PLAINS

TRENTON NEW YORK CITY STAMFORD RIKER.COM

A subsidiary of:

Financial Outsourcing Solu�ons, LLC

A Great Team Serving Extraordinary Banks >> >> >> >> >> >> >> >>

Regulatory Compliance Monitoring + Training >> Informa�on Technology Exams Vulnerability Tes�ng (Internal + External) >> Social Engineering Tes�ng BSA/AML Model Valida�ons >> SOX Documenta�on/Tes�ng BSA/AML Examina�ons >> FDICIA Documenta�on/Tes�ng Risk Assessment + Gap Analysis Internal Audit Plans + Tes�ng Thomas R. Strause, CIA, CFE, CBA, CFSA, CISA, CICA Trust Department Exams Fraud Exams Debbi S. Fe�er, CFIRS, CISA, CFSA, CRMA, CRCM, CCSA

Serving PA, NJ, NY, DE + MD

fosaudit.com

1-888-212-8799

Our Difference: Insights from a bank retirement plan specialist.

Your Advantage: A competitive edge and improved bottom line.

At Pentegra Retirement Services, our difference is your advantage.

With more than 75 years of experience built working with banks like yours, Pentegra can help you design a retirement plan and benefits financing solution that helps improve your bottom line while positioning your bank to attract, reward and retain the talent key to your success—to help your bank strengthen its competitive advantage.

Learn more about our unique retirement plan solutions.

Contact us at 800-872-3473, or visit us at www.pentegra.com

THE ICBA VETS AND APPROVES US. COMMUNITY BANKS DO, TOO. Profit from our trusted SBA expertise. As the ICBA’s only Preferred Service Provider for SBA lending, we help you maximize your community bank’s earning potential. Let us manage and simplify every step of the process, from loan packaging and closing, to securitization and sale, to portfolio servicing. All at no net cost to you.

Get started today.

800.340.7304 www.holtandmon.com

Invictus is proud to help Northern New Jersey Community Bankers educate their members.

Invictus is a data-driven strategic advisory firm that uses disruptive intelligence to give bank clients a competitive edge in M&A, strategic and capital planning, stress testing and CECL readiness.

George Dean Callas

Chief Revenue Officer and National Sales Director 718.219.0441 gcallas@invictusgrp.com 164 Horton Street, Bronx, NY 10464

COMMUNIT Y ROOTS, GENERATIONAL VALUES

Family owned for four generations, we take great pride in our community roots. At Borden Perlman, we work tirelessly to protect what’s important to you.

609.896.3434 | 800.932.4476 | B ORD EN PERLMA N .CO M Ewing Office: 250 Phillips Blvd., Suite 280, Ewing, NJ 08618 New Brunswick Office: 120 Albany St., Tower II, Suite 405, New Brunswick, NJ 08901

Always your trusted partner, Never your competitor.

Ask Us How We Can...

Enable Operations Manage Risk Extend Credit Improve Cash Flow Provide Insight Expand Your Capabilities

Empowering Partners, Innovating Solutions. www.ACBB.com Costa Nasiakos | cnasiakos@acbb.com Ph: 860.657.3595 1400 MARKET STREET | CAMP HILL, PA 17011 43 WESTERN BOULEVARD | GLASTONBURY, CT 06033

tailored risk management solutions to accelerate your excellence

We offer an array of customizable services including: Information Technology & Cybersecurity Risk Management Services

Internal Audit Quality Assurance Assessments

BSA/AML & OFAC Reviews

Internal Audit Services

CBD and Marijuana-Related Business Reviews

Innovative Technology Solutions

ADA Website Assessments

Other Customized Services

Enhanced Due Diligence Program

Risk-Based Reviews and Assessments

acxell | www.acxellrms.com | 877.651.1700 | whatsyourrisk@acxellrms.com

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ATTENTION

COMMUNITY BANKERS Your commercial accounts need your help in the ongoing fight to overcome the financial setbacks of the pandemic.

WE CAN HELP OTM’s credit card processing solutions now include a fully-compliant and card-brand sanctioned program that allows your commercial customers to accept Visa, MasterCard, American Express and Discover with ZERO PROCESSING FEES for all credit card transactions.

Through our partnership, you can now save your business customers hundreds, even thousands, of dollars each and every month.

The savings start now. Ask us how.

719 Raritan Road, Clark, NJ Tel: (732) 230-7700 • Fax: (732) 228-6337 onthemarkpayments.com

A family owned and operated company serving businesses throughout the region.