Corporate Facts

University Bancorp owns 100 percent of University Bank that manages a total of $2.5 billion in assets. The community banking operation focuses on local businesses, minorities and the nonprofit communities. Other community banking specialties include highly competitive deposit products for business owners, residential mortgages, commercial real estate lending and insurance, investments and money management through its wholly owned subsidiary University Insurance & Investments. In addition to its community banking operations, University Bancorp specializes in mortgage subservicing and mortgage origination primarily serving more than 160 credit unions through the bank s Houghton-based 80 percent owned subsidiary, Midwest Loan Services. University Bancorp is headquartered in Ann Arbor, Mich. It trades on NASDAQ under the symbol UNIB.

Established in 1919, Ally Financial Inc., formally GMAC, is a global financial company that maintains operations in North America, South America, Europe and Asia. It specializes in the areas of automotive and commercial finance, insurance, real estate and online banking. The organization provides services to more than 10 million customers in the world. It operates Capmark Financial Group, which is a wholly owned subsidiary that offers a range of lending and mortgage banking and investment and fund management services. The company s subsidiaries include the General Motors Acceptance Corporation of Canada, Motors Insurance Corporation and Ally Bank. It serves various personal and commercial customers, dealers, brokers and agents.

EXPERIENCE. BB&E is a full service civil and environmental engineering firm. Led by a management team that possesses over 70 years of experience within the civil, environmental, and project/program management consulting industry, BB&E serves to provide our clients with the technically superior service they require. RESPONSIVENESS. At BB&E each opportunity is treated with the utmost urgency. We understand that business happens and we know the importance of providing a reliable source of service for our clients when we are needed. In a global economy where business moves at light speed, we know you can't afford to have your consultants cost you time and money. AFFORDABILITY. BB&E prides itself on delivering technically superior, responsive service at reasonable costs. Many of our clients find that we consistently provide the best value for their environmental dollar. Our low overhead and flexibility allows our clients to have access to the world class service they want at the rates they need. CLIENT SERVICE. While some large firms spend time identifying the clients they own , at BB&E our clients are not something we take for granted. When our clients retain BB&E, they get much more than a professional civil/environmental service provider. They retain an advocate for their business or organization that relies not on quality service rhetoric, but on sure actions. BB&E, L.L.C, 37610 Hills Tech Drive, MI 48331 Farmington Hills Phone 248.489.9636, Fax 248.489.9646