Rich Knoor

Aspen Investment Management, Inc. (Aspen) is an independent registered investment advisor headquartered in Grand Rapids, Michigan. The firm was founded in 1993 by William Alphenaar, Jr. Aspen provides portfolio management services to individuals, trusts and estates, and charitable institutions.

Founded in 1902, Ziegler Capital Management LLC is a registered investment advisor located in Chicago with additional offices in West Bend, Wisconsin, Milwaukee, Wisconsin and Grand Rapids, Michigan. The firm provides investment advisory services to company-sponsored mutual funds and managed account services for individual and institutional clients including foundations, endowment funds, corporations, institutions and businesses. Ziegler also offers their proprietary North Track funds

The Group's principal activities are to provide commercial and retail banking, consumer finance, asset management, mortgage financing and payment processing services. The asset management includes both institutional asset and personal wealth management. The Group also provides home equity line of credit which consists of revolving lines of credit secured by residential real estate. Other consumer loans include installment loans for automobiles, boats and recreational vehicles, student loans. The Group provides credit card services and insurance services also. As on 31-Dec-2007, the Group operates through 1,400 branch banking offices and 4100 retail and wholesale mortgage offices located throughout the United States. On 05-Jan-2007, the Group acquired Fidelity Bankshares, Inc.