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Established in 2003, HomeTown Bank is a community bank that has three locations in small towns across Alabama. Locally owned and operated, it is committed to a personal banking experience and being actively involved in the communities that it serves. HomeTown Bank is dedicated to being a resource for people in the area and invested in making the community a better place.

The Howard State Bank is a commercial bank firm based in Howard, United States. The Howard State Bank provides multi-family office Bank Account services for high-net-worth families, foundations and endowments, and institutions.

The Humphreys Group is a investment management firm based in San Francisco, United States. The Humphreys Group provides multi-family office Institutional Services services for high-net-worth families, foundations and endowments, and institutions.

The Independence Group offers one complete source for answers, advice and solutions for selling or buying a business, as well as provide extensive consultation services. Company provides following services: SELLER REPRESENTATION lishment of expected value range for your business Creation of high quality sales presentation Aggressive/targeted marketing Complete advice on all phases of the sale process Creative negotiation and tax structuring techniques Deal follow through from start to finish BUYER REPRESENTATION Establishing the acquisition criteria Identifying acquisition candidates Screening acquisition candidates based on established criteria Completing a value analysis of acquisition candidates Assisting in the negotiation process; preparing letter of intent Assisting with negotiation and tax structuring techniques Providing financing assistance Providing due diligence assistance Following the deal through from start to finish PRIVATE EQUITY GROUP ACQUISITION ASSISTANCE QUARTERBACKING A TRANSACTION Prepare a value estimate for the company to be acquired Prepare a letter of intent to establish a clear understanding of the terms of the deal Establish a closing process Coordinate the due diligence process Assist buyer with financing alternatives Coordinate completion of final legal documents with attorneys Assist in completion of property lease arrangements, if necessary Follow deal through to closing Assist in post transaction adjustment calculations BUSINESS VALUE ESTIMATE Review historic financial trends Look at comparable historic transactions Look at adjustments that are “one-time,” non-recurring or not directly related to business operations Look at similar companies currently available for sale Evaluate economic trends of the target company’s industry Review risk factors to evaluate target company compared to its industry Determine who will be in the probable buyer pool Establish an expected value range FINANCING ASSISTANCE Seller financing (typically subordinated to bank financing) Secured Senior Debt - SBA (7A or 504) - USDA - Lines of Credit - Equipment Unsecured Debt - Cash Flow - Mezzanine with equity The Independence Group can assist in this process in the following ways: Determine the type of financing that best fits the transaction Identify sources best suited to provide the financing Prepare financing package to present to potential lenders Present the proposed financing request to lenders Assist in the details of completing the financing arrangements DUE DILIGENCE Review of financial information/perform trend analysis Verify that financial information is supported by underlying accounting records Review support for “EBITDA/Discretionary Earnings” adjustments Review how revenue is recognized Review how expenses are reported and recorded Complete a financial analysis of key assets such as accounts receivable, inventory, fixed assets and intangible assets Reconcile financial records to tax returns Perform other financial analysis as deemed necessary for the transaction

For over forty years, the professionals at The Inman Company have served as trusted advisors to hundreds of private companies and family businesses. Its services include merger and acquisition advisory services, restructuring and refinancing of debt and equity, and strategic plannine related to growing value.

The Insight Group is a investment management firm based in Salt Lake City, United States. The Insight Group provides multi-family office Institutional Services services for high-net-worth families, foundations and endowments, and institutions.

The Institute for Wealth Management LLC is a investment management firm based in Denver, United States. The Institute for Wealth Management LLC provides multi-family office Institutional Services services for high-net-worth families, foundations and endowments, and institutions.

The Ithaka Group is a investment management firm based in Bethesda, United States. The Ithaka Group provides multi-family office Institutional Services services for high-net-worth families, foundations and endowments, and institutions.

Established in 1910, The Iuka State Bank is a community bank located in Southern Illinois, locally owned and managed by local people. It offers a full array of products and services to meet the needs of growing families, businesses and communities, while continuing to be a leader in customer service, security and convenience.

The Jacksboro National Bank opened for business in 1905. It has maintained the philosophy of local independent ownership along with personal dedicated customer service throughout its 100+ years of existence. The bank's goal is to provide a complete banking experience for the customers with a dedicated staff delivering personal service to each.