First Merchants

Creative Realities is a New York-based company that specializes in enhancing retail environments through innovative digital marketing technologies and solutions. Founded in 1997, the company designs, deploys, and manages digital in-store merchandising experiences that transform traditional shopping into engaging interactions. Their offerings include interactive digital shopping assistants, omnichannel customer engagement systems, and advanced audio-visual networks, which help retailers and brands improve customer experiences and drive sales. Creative Realities serves a diverse range of clients, including prominent names in retail and luxury sectors, by integrating technologies such as mobile activation, social media engagement, and proximity marketing into their marketing strategies.

Monroe Bank & Trust is a community bank based in Monroe, Michigan, founded in 1905. It provides a wide range of personal and business banking services, including checking and savings accounts, commercial and personal loans, real estate mortgage loans, and treasury management services. Additionally, the bank offers safe deposit facilities, telephone and internet banking, as well as personal trust, employee benefit, and investment management services. Serving customers in Monroe, Wayne, and Lenawee counties in Southern Michigan, Monroe Bank & Trust is dedicated to supporting the financial needs of its community with a focus on fostering long-term relationships and helping customers achieve their financial goals.

iAB Financial Bank. We’re an independent, community-owned bank serving four counties in Indiana from 17 locations. And although our name may be new, we hope you’ll think of us as an old friend.

The Arlington Bank is a community bank based in Columbus, Ohio, dedicated to offering a range of banking services to both personal and business customers. With three banking center locations, the bank focuses on delivering safe and competitive deposit and lending products. Its commitment to individualized service ensures that consumers receive personal attention tailored to their financial needs. Through its various offerings, The Arlington Bank aims to foster a strong relationship with the community while providing reliable banking solutions.

CFS Bancorp, Inc. is a Delaware corporation organized in March 1998 by Citizens Financial for the purpose of becoming a unitary holding company of Citizens Financial. The Company will purchase all of the capital stock of Citizens Financial to be issued in the Conversion in exchange for 50% of the Conversion proceeds (net of Conversion expenses and the loan to be made to the Company's Employee Stock Ownership Plan (the "ESOP") and will retain the remaining net proceeds as its initial capitalization. Following the Conversion the only significant assets of the Company will be the capital stock of Citizens Financial, the Company's loan to the ESOP, and the remainder of the net Conversion proceeds retained by the Company. The business and management of the Company initially will consist primarily of the business and management of Citizens Financial. Initially, the Company will neither own nor lease any property, but will instead use the premises and equipment of Citizens Financial.

lincoln bancorp attract deposits from the general public and originate mortgage loans, most of which are secured by one- to four-family residential real property in Hendricks, Montgomery and Clinton Counties. They also offer commercial real estate loans, real estate construction loans, land loans, multi-family residential loans, consumer loans (including home equity loans and automobile loans) and commercial loans. They derive most of their funds for lending from deposits of their customers, which consist primarily of certificates of deposit, demand accounts and savings accounts.