2026 Pub. 5 Issue 1

COMPETITIVE RATES We take pride in our operational efficiency which results in MIB being able to provide valuable services at highly competitive prices. Find out how much you could save: 800-347-4642 Lending Services Operational Services Audit Services mibanc.com MEMBER FDIC Diane Kempker Lyndsay York 30 years experience 14 years experience John Turner 37 years experience HIGH VALUE SERVICES, mibanc.com audit COMPLIANCE SERVICES • ACH Audit • BSA/AML/CFT Audit • Directors’ Examination • Lending Compliance Audit • Deposit Compliance Audit • Interest Rate Risk Review • Home Mortgage Disclosure Act (HMDA) Review • Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act Audit LOAN REVIEW SERVICES AUDIT SERVICES New Service in 2026 - LIQUIDITY REVIEW A review is conducted of your liquidity position using safe and sound banking practices. The review will focus on policies and procedures, funding plan and testing, and monitoring and reporting.

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