Steven Klitzing

Operates as a bank holding company whose subsidiary provides banking services

Functions as a College/University

Optique Capital Management employs a value equity philosophy and decision-making process. They seek competitive, long-term investment returns through stock selection, not sector rotation. The firm buys only attractively priced, quality companies and sells when securities are fully valued. They achieve consistent investment returns through sector and stock diversification and risk reduction through measurement of quality of accounting, management and balance sheet. Optique is an active manager, seeking to add value through a quantitative and fundamental approach that is disciplined, patient, objective and consistent. They seek to exploit the markets tendency to severely punish a well-run company's stock price due to a short-term or temporary setback. The firm manages the Optique Large Cap Value Fund which invests primarily in large, well-established companies with market-cap greater than $4 billion. They invest in stocks that are inexpensive relative to their industry sector, are exhibiting flat or increasing earnings estimate revisions and have evident positive catalysts for change. The Optique Small Cap Value Fund invests primarily in small companies with market-cap less than $2 billion. Optique believes there is an opportunity to uncover rapid-growth companies before their potential is recognized in the marketplace. The Optique International Value Fund invests primarily in companies with good relative value located outside the US. The firm's International Value Equity fund invests primarily in a diversified portfolio of equity securities of non-US issuers. The product generally holds securities in Canada and countries across Europe, Asia and Latin America. The Optique Intermediate Fixed Income Fund Invests primarily in investment-grade bonds of companies and government agencies.

Provides services in banking, insurance, trust, mortgage, and investment

Operates as a bank holding whose subsidiaries provides federal saving bank services

Operates as a state chartered bank

Operates as a credit union

Operates as a holding company whose subsidiaries provides banking and financial services