James A. Schmelter

Citizens Republic Bancorp, Inc. is a diversified financial services company, which provides a full range of banking and financial services to individuals and businesses through its banking subsidiary, Citizens Bank. Its services include deposit products, loan products, and other consumer-oriented financial services such as safe deposit and night depository facilities, wealth management services and Automated Teller Machines. The company operates five major business lines: Regional Banking, Specialty Consumer, Specialty Commercial, Wealth Management and Other. The Regional Banking provides a wide range of lending, depository, and other related financial services to both individual consumers and businesses. The products and services offered to consumer clients include: direct loans, home equity loans and lines of credit, checking, savings and money market accounts, certificates of deposit, and fixed and variable annuities, as well as private banking services for affluent clients. The Specialty Consumer includes the indirect consumer and the residential mortgage portfolios. The Specialty Commercial provides a full range of lending, depository, and related financial services to commercial real estate developers, owners of multi-unit commercial properties, and middle-market companies. Products and services offered include commercial mortgages, term loans, revolving credit arrangements, letters of credit, inventory and accounts receivable financing, and leveraged cash flow lending. The Wealth Management offers a broad array of asset management, financial planning, estate settlement and trust administration, credit and deposit products and services. The Other line of business includes activities that are not directly attributable to one of the primary business lines. Citizens Republic was founded in 1871 and is headquartered in Flint, MI.