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Furniture Living Room TV & Media Stands Fung TV Stand - Antique Red
With plenty of space for a flat-screen TV, stereo, CD/DVD player, movies, games—and possibly room for a pony—our Fung Stand is the answer to all your media storage needs. Even if there's nothing good on TV, you'll love looking at its Asian-inspired design: Solid construction, deep distressed finish, paneled sliding doors, open and interior shelving, block feet and slightly flared ends. (Pony not included.)
Details & Dimensions
- Red
- 46.75"W x 13.75"D x 23.75"H
- Mixed and engineered woods
- Max TV size: 40"; max weight: 80 lbs
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Coupon Fraud at Publix in Melbourne
BOOOO! I hate that people do this. Publix is such an awesome store and well, stuff like this just makes couponers look bad.
Check out this story that was on the news today.
This post may contain a link to an affiliate. See my disclosure policy for more information.

subset: commoncrawl


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Holdays.net Home
This Repro Antique Map features:
17th century Morocco
Reproduction Map Print
Askyline map anotated at the top left in Dutch and top right in Olde English(Letters A - L), with places of interest, correspondingly marked on the map to show locations. The map is headed in olde English 'The Royall Palace with a parte of y city.' Below is a winged creature with another title suspended from its wings saying ' Het Koninklyk Hoe met een gedeelte der Stadt Marokko.' In the foreground is shown everyday activities: Fetching water; Shepherds and camels at rest and livestock grazing. In the centre part of the map is a skyline view of the city with the important buildings highlighted by one of the letters A to L. The corresponding Letters with an explanation as to the name of the landmark can be found in the upper legend.
This would be an interesting additionfor the historian or anyone interested in northern Africa or Morocco.
This mapshowsdetail of individual buildings
Ref:17th Century Map Pictures (40)
Approximately 17" X 13" inches
(43 cm by 33 cm)
This LARGE format reproduction Antique skyline Map, especially when suitably framed,makes alovelly display for any room in any location.
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Vendedor fantástico . Con mucha clase calidad total . Mejor imposible
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Morocco Algiers Old Map Partie Du Biledulgerid Ou Sont Tesset Sanson 1668
Ile De La Réunion Antique Print Réunion Island Afrika By Levasseur Atlas 1861
Carte Des Isles De Madere Et Portosanto Old Map Madera Porto Santo Bellin 1758
Mozambique Antique Map Carte De La Baye De Mosambique Bellin 1764
Mombasa Kenya Antique Map Carte De L'isle De Monbasa Bellin 1753
1894 Italy Antique Map Of Oltre Giuba Very Rare N 3 Cap Vittorio Bottego
1894 Italy Antique Map Of Oltre Giuba Very Rare N 2 Cap Vittorio Bottego
Original 1829 Map Of Africa~d.f.robinson & Co.~engraved & Hand Colored-9.5"x7.5"
Map Of Africa Color Map 1882 13 X 10. Beautiful Details See Others
Map Of South America Color Map 1884 12 X 10 1/2 Beautiful Details Chambers


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Falkensteiner Hotel Therapia
Falkensteiner Hotel Therapia
A hotel with charm, a historical atmosphere and excellent cuisine for a relaxing holiday at the sea. Where the high society of the Habsburg Monarchy used to come to relax, the carefully renovated Mediterranean Grand Hotel now invites connoisseurs to spend a few days thinking of nothing but themselves. For this purpose, you'll find over 100 stylish rooms, a large sun terrace with a fantastic view, a lovely wellness area and a spacious garden.
With 119 rooms, a superb culinary offer and wellness area the Hotel Therapia offers the ideal holiday in Kvarner, Croatia.
Contact info:
Reservations: +385 51 209 700
Website: Hotel Therapia
Croatia Resources
Check out the following on Guide2Croatia:
Cobb27 Mar 2015
Finding the Best Charter Yachts in Croatia
Finding the Best Charter Yachts in Croatia
Finding the Best Charter Yachts in Croatia
Restaurant Poklisar, seafood cuisine, Dubrovnik


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Samsung Gear Live
Get $50 in Google Play credit when you buy Android WearOrder an eligible device by 3/31/15 and get an email with a promo code for Google Play once it ships. Redeem offer by 4/20/15. More terms apply.Learn More
At a glance
Designed for comfort and durability, with a screen that's visible no matter where you are.
Visible in any light
The bright display adjusts to bring you a clear view whether you're indoors or outdoors.
Useful information at a glance
The display stays on, so you don't miss texts, travel alerts, appointments, or anything else that's important to you.
Certified dust and water resistant
Wear it without worry in all kinds of activities and places.
Streamlined for comfort and style
Compact, buttonless design is a natural fit for everyday wear.
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¹Not all features available in every country.
²Not available in every country. Available only for first-time subscribers to Google Play Music or for those who have not trialed the Google Play Music subscription service in the past 12 months. Credit card required at sign up. Once your 30-day trial period has ended, you'll be automatically billed each month for your Google Play Music subscription (for country monthly prices, please visit play.google.com). As an active subscriber, you'll have access to unlimited streaming music from Google Play Music. During your free trial, you can cancel at any time. Unless you cancel, you will not be charged until the start of the first paid billing period.


text: Around this time of year, I get oh so awfully nostalgic, and I wish I could go to one of the parks for the Christmas holidays. I'll just stick to this design for now. Cinderella Castle (Florida) and Sleeping Beauty (Paris) castles were from photos which were taken by me on my holidays. The reference picture for the Disneyland castle can be found here , so credit goes to them for that image. Enjoy!


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Longinos Nagila & Fawaz El Said Art Exhibition and Sale of Works March 4, 2015 - April 1, 2015
Two of our artists, Longinos Nagila and Fawaz El Said, will be having an artist meet and greet session, where they'll be showcasing their latest art works./whats-on/longinos-nagila-fawaz-el-said-art-exhibition-and-s
Kuona Trust Residency and Exchange: Kenya Meets Germany 19 Sep 2013
The Kuona's international residency programme comes to an end (from August 1st to 2nd October) with a workshop titled Copying Africa; Contemporary art or Cliché and an exhibition of Sarah's work./lifestyle/kuona-trust-residency-and-exchange-kenya-meets-ger
My First Experience With Art 04 Feb 2014
What is the thing about a thing that makes it a thing? Is it its form, its material, or our experience of it- our human perception? These are the questions renowned sculptor Kevin Odour, the artist behind the statue of Dedan Kimathi in Nairobi's CBD, asks through his art./lifestyle/my-first-experience-with-art


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The Ministry of External Affairs, in association with Ministry of Overseas Indian Affairs has introduced a new online 'MEA Consular Grievances Monitoring System', also called MADAD in Hindi to be implemented through Indian Missions/Posts abroad. It includes features like:
- Logging and effective tracking of complaints and seeking feedback
- (appreciation/suggestion) through the PSP Online Portal Security features that allow access to only legitimate complainants
- Processing of complaints at Missions/Posts through PSP PRIDE application by Welfare
Officers, Workflow for Escalation/Review (Welfare Officers to Deputy Chief of Missions (DCM), and DCM to Head of Mission (HOM)) Maintenance of detailed case records for each complaint
- MIS Reports and Dashboard for authorised users at Missions/Posts, CPV Consular
The portal has been initially launched on a pilot basis in UAE(Abu Dhabi and Dubai), Bahrain, Kuwait, Oman(Muscat) and Qatar(Doha).
MADAD has been setup to facilitate online logging and tracking of complaints pertaining to consular services by complainants and to effectively monitor and process complaints by corresponding Indian Missions/Posts abroad. Users of MADAD Portal can be categorized into three. The Public, Missions/Posts Abroad and Consular Section of CPV Division of the Ministry of External Affairs .The Public first needs to register as a user of the Complaints Monitoring System at the PSP online portal (https://org1.passportindia.gov.in/AppConsularProject/welcomeLink ) in order to log complaints or provide feedback (suggestions/appreciation). The system of registration is simple and user friendly and is similar to the registration process at any website. Once the user is registered, he/she can register his/her grievance. Grievances can be registered by the individual concerned or by any other person. (eg: in the case of minors, illiterate people etc). Once the complaint is successfully registered, a unique Complaint Reference Number is generated for the complaint(Complaint ID). All complaints lodged by the user will be displayed in the Track Complaint Status Screen with latest one being on top of the list. User can also search for a specific complaint by using the corresponding Complaint ID. Users can view detailed description of their complaint and status in this window. Users can also cancel their complaint from this window. Users also have a provision for giving their feedback as well as suggestions for each complaint. Users can log up to two suggestions/appreciation messages per complaint.
Stepwise process
1. Open the link to Madad portal, which is available as Passport Seva Online (www.passportindia.gov.in)
2. First time users need to create an account by entering name, phone, email and a password.
3. Your account should be verified by clicking on a link sent to your email id.
4. After confirming, you can log in using theusername and password.
5. You can file your own complaint in behalf of someone else.
6. The entire history of your grievance would be maintained online and you can check the status and updates by logging in later.
MIS reports and a Dashboard have been provisioned in MADAD system in order to provide detailed information about the processing of complaints pertaining to Consular Services by the concerned Missions/Posts, and also the feedback (suggestions/appreciation) received by them in this regard.
Mission/Post, CPV, and other designated users (like the EAM's office) will be able to access reports by visiting the 'Mission/Post' link in the Passport Online Portal.
Mission/Post's performance in respect of addressing the complaints will be assessed in terms of the following rules/criteria, and Mission names will accordingly appear in RED, AMBER or GREEN colours on the Dashboard.
CGI, Dubai is pleased to announce that MADAD has been introduced and tested by us and is functioning satisfactorily. Public is urged to use the portal to lodge their grievances relating to Consular matters like labour issues, death cases, compensation cases, missing persons etc. Please note that this portal is not meant for queries related to Passport and Visa Services.


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1 Investing in our Hometown Before and After shots of 62 Federal Street, Greenfield One highly visible investment in the communities we serve was the re-use of a older run-down building and vacant trash filled and weeded lot into a traditional yet modern building housing our state of the art Lending/ Financial Services/ Operations Center. All of this enhances the renaissance of downtown Greenfield and provides a great environment for our customers and staff alike. (photo courtesy of Rick LaPierre) 2 TABLE OF CONTENTS I. President's Letter 4 II. Mission Statement 6 Operating Results III. Operating Results- the Past year in Review 8 Operational Reports IV. Lending i. Commercial Loans & Services 14 ii. Consumer Lending 17 iii. Residential Loans iv. Home Equity Loans V. Deposit Services 22 VI. GCB Investment Services 26 VII. Electronic Banking / E-banking Services 28 VIII. Community Benefits 30 IX. Corporate Information 32 i. Officers, Directors and Corporators ii. Greenfield Co-operative Bank Statement of Condition & Statement of Income iii. Greenfield Bancorp, MHC Statement of Condition & Statement of Income iv. Locations 3 PRESIDENT'S LETTER TO DEPOSITORS June 21, 2011 Dear GCB Depositor: I am proud to report that Greenfield Bancorp, MHC and its wholly-owned subsidiary, Greenfield Co-operative Bank, continue their growth in Western Massachusetts. Fiscal 2011 was a year of achievement for GCB and demonstrates our commitment to meet the needs of the Franklin and Hampshire county communities we serve. The directors and employees of GCB work toward successful results and have a strong commitment to doing the right thing for our customers. Our commitment to our local communities has enabled GCB to continue to have steady reliable growth year after year. As I've often said in the past and will continue to say in the future, as a mutual organization we do not have stockholders, so GCB will never try to reap short-term gains at the expense of our customers. Our Board and management continue to balance both short term and long-term goals as we work hard to keep this bank healthy and strong. Our long term goal is to ensure that Greenfield Co-operative Bank remains a vital part of our local communities. People and businesses want and need access to a local bank like GCB that gives them choices. GCB provides the safety of FDIC and SIF insured deposit accounts that provide a competitive rate of return on their money. GCB also provides access to credit for both consumers and businesses so they can obtain loans that are fairly priced on terms they can afford. All of this helps our local communities continue to grow as we help people buy a home or improve their existing home. We also help businesses to get started or expand. GCB provides commercial mortgages and loans for businesses to buy that new building, purchase needed equipment, or obtain a line of credit for working capital needs. GCB provides access to a variety of loan programs including Small Business Administration (SBA), conventional bank financing, or special programs like the Massachusetts Treasurer's Small Business Banking Partnership. Throughout our history, GCB's management has worked to balance our need to grow without losing sight of our number one goal: To make sure we always do the right thing for our customers, our employees, and the communities we serve. These are just a few reasons GCB received an 4 "Outstanding" Community Reinvestment Act ("CRA") rating on our performance review from the FDIC. It is also a reason we plan to grow in the coming years--- to ensure we can continue doing the things we do for our local community. We also grew with customers on the Internet, as the first local bank to launch a Facebook page at www.facebook.com/BestLocalBank and first local bank to provide mobile banking services in the past Fiscal Year. We upgraded our web page at www.BestLocalBank.com , while at the same time trying to accommodate those consumers who live in areas with less than perfect internet service. Part of the upgrading of our web page included changing certain features (such as the online videos and animated headers) that took a lot of "bandwidth" (and as such took more speed to load) and made them optional for the user. This allows those customers with less than the fastest internet connections at home (as well as any mobile banking features) to be easily viewed by ALL of our internet customers. Those with faster connections can still easily access online videos at their command. Our online service remains state-of-the-art with user friendly features, easy access to information, while retaining the latest in security features and encryption to ensure customers' privacy and security. AND, remember we will always have great people to help you do your business in person if you so desire. We still (and will always) have a real person answer the phone and deal with your questions. What could be more convenient? This Annual Report outlines some of the achievements of the past year and some of our strategic goals for the coming year. As you will see, the Board, management and staff of Greenfield Co- operative Bank are dedicated to remaining strong and independent, supporting the deposit and credit needs of our local communities and helping support their continued growth to benefit all local residents and businesses. Greenfield Co-operative Bank is the local bank you can trust, with knowledgeable professionals you've come to know and rely upon to do the right thing for you, our loyal customers. . . so tell the rest of your friends and family to "Come on over to the Co- op". Very truly yours, Michael E. Tucker President & Chief Executive Officer 5 MISSION STATEMENT Greenfield Bancorp, MHC and its wholly-owned subsidiary, Greenfield Co-operative Bank is an independent, mutually-owned, local community bank providing financial products and services to consumers and businesses both in Franklin County and in many of the communities adjacent to Franklin County. GCB is committed to providing the highest quality customer service and to do that we employ caring people who share in that commitment. At GCB, our business philosophy is to grow our bank in a prudent manner, work to achieve above average earnings, maintain a strong capital base, and keep a stable employee base. Achieving those elements lets GCB look longer-term (3 years+) and ensure we will be here to meet the credit, investing, and other financial needs of the customers and local towns we serve. 6 Greenfield Co-operative Bank reinvests in its local communities! Before The Shelburne Falls branch occupies the first floor of 33 Bridge Street. Without GCB's involvement in financing and leasing this space, the "hole" in downtown Shelburne Falls that resulted from the tragic fire would still be there. Instead, a beautiful building that fits the character of the local downtown helped revitalize the area, provided us with great space to serve customers in West County, and also provided market rate apartments on the second floor. This is another "win-win" solution that comes from having a local bank committed to the local communities it serves. After rebuilding 7 Operating Results: The past year in review Greenfield Bancorp, MHC and its wholly-owned subsidiary, Greenfield Co-operative Bank, continue their growth in Western Massachusetts. Fiscal 2011 was a year of achievement for GCB and demonstrates our commitment to meet the needs of the Franklin and Hampshire county communities we serve. The directors and employees of GCB work toward successful results and have a strong commitment to doing the right thing for our customers. The result of staying true to our time tested business model? Greenfield Co-operative Bank had a very successful Fiscal Year which ended March 31, 2011. • Total Assets grew to $293,740,587 (up by 4.00% over the prior Fiscal Year). Our Shelburne Falls office grew by $4.9mm in deposits in its first full year of operations. Especially important is that our total "core" deposits (checking, NOW, savings, Money Market) increased by $20.81 million (+16.86%). This was among the highest annual increase our bank has experienced. Total deposits now stand at over $245.03 million, the highest level ever for Greenfield Co- operative Bank. 8 • Our Franklin County deposit market share increased for the 13 th year in a row! GCB has almost 23% of Franklin County consumers banking with us. Customers continue to have a great deal of confidence in our bank's safety and security, and recognize the highly competitive rates we pay on deposits. • We increased our market share of residential mortgages and other mortgages to 13.35% of the Franklin County market for calendar 2010 (Source: Banker & Tradesman). GCB originated over $58 million in new loans in a fairly flat economy. This included commercial loan growth of $10.12 million or almost 24% over the prior fiscal year. Total loans now stand at $172.32 million (up $5.585mm / +3.36%). 9 • We are consistently rated as one of the strongest banks in Massachusetts. GCB regularly receives among the highest safety ratings by the various independent rating services including those at Bauer Financial (www.BauerFinancial.com), BankRate.com (www.BankRate.com), nationally known Jim Kramer's ratings found at the Street (www.theStreet.com) , and IDC Financial Publishing, which is used by rating agencies (www.idcfp.com ). • GCB Financial Services' grew to serve over 600 customers representing over $31mm in investments. GCB Financial Services has moved to our new facility at 62 Federal Street in order to make it even easier for customers to meet with us in a state of the art facility where we can provide access to a full range of financial planning and investment products such as annuities, mutual funds and insurance. (Note: Investment products and Insurance products are not FDIC insured, are not guaranteed by the bank, and may lose value). • We completed construction on our new Lending & Operations Center at 62 Federal Street, Greenfield. This not only gave us long needed space for the growth in our bank Commercial Lending, GCB Financial Services, E-Banking/Operations, Accounting and Human Resources areas, but the renovated building and adjacent parking lot also greatly improved the Federal Street corridor. The renovations were well received by customers and neighbors alike at the Open Houses we conducted. We were pleased to hear that the building changes were nominated by a local group as a state-wide Best Adaptive Re-Use of a Historical Building. The nomination itself is strong evidence of our keeping our local community in mind as we grow our bank. 10 • Our loan and asset quality remains very good, with prudent underwriting when originating new loans. Our total delinquency is 2.35% of total loans, which is less than half the statewide average for Massachusetts as reported by the Mortgage Bankers Association of America. Non- performing loans are down to 1.02% of total loans, less than one-quarter of the 4.87% reported for all banks by the FDIC in their 12/31/2010 call reports. The bank has almost $1.567 million held in reserve to cushion the bank against any potential loan losses. Your management and Board of Directors believe this is an appropriate and adequate reserve given the good quality of our loan portfolio. GCB % Total Delinquency v. National % Total Delinquency 10.0% 1993-2010 Source: Bloomberg & Mortgage Bankers Association 9.0% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% % Total GCB Delinquent % Total USA- Source:Bloomberg • As you can see in the chart above, our delinquency rates are well below the national and regional averages. Loan quality at GCB reflects our conservative and prudent underwriting. This continues today, even with GCB working with those customers who may run into temporary problems such as reduced hours or loss of job. We look to do what is right for both the bank and the customer. Our originators and underwriters look to ensure applicants are in a loan product they can reasonably afford (now and in the future). • All of our investments are constantly "marked to market" to ensure our balance sheet reflects the actual market value of the investment each month. We only invest in conservative agency bonds and mortgage backed investments that carry the highest ratings. We take care to try to understand each investment and what the underlying source of repayment and collateral is for any investments. If we don't understand it, we don't invest in it Period. This is why we like to say our investments are "plain vanilla" in nature. Not a very exotic or exciting thing to do 11 according to some so-called "experts", but then banking is about managing risks and protecting peoples' money, not taking excessive risks. • GCB's Total Capital increased by $1.589 million (+4.94%) to over $33.747 million giving GCB a Tier 1 leverage capital ratio of 11.69% and Total Risk Based Capital of over 21%. This is more than twice the minimum FDIC requirements to be considered well capitalized. • As always, customer deposits at Greenfield Co-operative Bank are insured in full through the combination of the Federal Deposit Insurance Corporation ("FDIC"), which insures the first $250,000, and the Share Insurance Fund ("SIF"), which insures all balances above the FDIC limits. • The result of all of our lending and investment in our local community is that GCB's net earnings came in strong at $1.589mm. The consolidated results for the bank and for Greenfield Bancorp, MHC were $1.581 million which reflected the nominal costs in FY 2011 for maintaining our mutual holding company. 12 Even after factoring in the additional expenses of our two new facilities (Shelburne Falls branch office and 62 Federal Street Lending/ Operations Center) our Net Earnings were down only slightly from the prior year to $1.589 million. This translates into a 0.55% Return on Average Assets in FY 2011, which was well above the 0.46% statewide average posted by FDIC insured banks between $100-$300mm in assets (Source: FDIC Call Report data as of 12/31/2010). 13 Customer Services: Commercial Lending • Greenfield Co-operative Bank is a "Preferred Lender" under the Small Business Administration (SBA) so-called "PLP" program that allows a high-volume SBA lender like Greenfield Co-operative Bank authority to make decisions for the SBA on loan approvals, closings and most servicing and liquidations. This enables us to process loans faster. Using the SBA programs helps us make more loans to small businesses that might not otherwise qualify for financing while at the same time helping protect Greenfield Co-operative Bank against unnecessary risk of loss. • Greenfield Co-operative Bank is a participating lender in Massachusetts State Treasurer Grossman's "Small Business Banking Partnership" with the overall goal of increasing lending to Small Businesses to help them grow here in Franklin & Hampshire Counties. • Greenfield Co-operative Bank also participates with MassSave on its Zero Interest Energy Loans which allow commercial and industrial building (owners and long-term tenants) to make energy improvements to their spaces such as insulation, energy efficient windows and new heating systems. Loans to Businesses: We offer the following products and services for businesses with NO application fees and Competitive rates and terms: • Term loans and Lines of Credit for o commercial vehicles and equipment o inventory purchases o working capital • Small Business Administration ("SBA") Loans o the Co-op Bank is a SBA Preferred Lender o SBA Section 504 Loans and Section 7(a) loans • Commercial Mortgages and Investment Property mortgages o up to 25 year amortization o up to 80% loan to value 14 Commercial Services: Our Commercial staff and our branch staff can help you decide what type of account would best fit your business needs. Products available include: Business Checking Business NOW Account (for non-profits & sole proprietors) Regular Savings Accounts Money Market Accounts and Certificates of Deposit Individual Retirement Accounts Wire Transfer Services sm Free 24 Hour Online Banking through e-access Business Free 24 Hour Bill Pay services 24 Hour Night Deposit services Free 24 Hour telephone banking services VISA® and MasterCard® services ACH Origination Services The GCB Commercial Lending & Services team (clockwise from bottom : Bill Ahlemeyer, Senior Vice President, Dave Ahearn, Vice President . Wolfgang Adametz, Asset Manager , Shannon Menko, Administrative Assistant, Barbara Campbell , Credit Analyst, and Tony Worden, Vice President. 15 Commercial Lending Greenfield Co-operative Bank originated over 120 new commercial loans for over $23.3 million in Fiscal 2011 and the net increase was over $10.12mm in our portfolio. Bill Ahlemeyer, Tony Worden, Dave Ahearn, and their team members Barbara Campbell and Shannon Menko work hard to help local businesses, both large and small. They are experienced professionals who can guide you through the process and can recommend the best loan for your particular needs, and we give quick decisions, so you can plan with confidence. Stop by and see. • Our Commercial Loan portfolio grew to over $52.3 million. We offer some of the best terms with low interest rates and terrific customer service. As a local bank with the decision maker right here, we pride ourselves on quick turnaround and fast answers to your questions. • We were the #1 Franklin County based Small Business Association (SBA) lender, and 23 rd 1 out of 118 SBA lenders statewide during the SBA's most recent fiscal year . And thus far in their FY 2011 (from 10/1/2010 through 3/31/2011), GCB originated another 6 SBA loans for a total of $349,000. As you can see, these are generally smaller loans (from $35,000 up to $500,000), so the SBA program is a key to help existing local small businesses and start ups have access to capital. It is well established that small businesses actually provide most of the job growth in America. The team at GCB works hard to make that a reality in our local area. 1 Source: SBA Massachusetts Loan Volume Report, 10/1/2009-9/30/2010 16 Residential Mortgage & Consumer Lending • Greenfield Co-operative Bank is a local, community lender with the staff and resources to help people nurture their dreams to help our communities grow. Our staff is comprised of experienced consumer lending professionals who live and work in Franklin County and know the local marketplace. GCB offers a wide variety of loan products for consumers and make our decisions right here, so you get a fast decision so you can plan with confidence. • During Fiscal 2011, we originated over $38.6mm in residential mortgages, the majority in 30 year fixed rate mortgages. While down from the prior year, some of that is due to the fact that the First Time Homebuyer tax credit program that was in place during 2009 ended as of April 30, 2010. In addition, since 30 year fixed rate products carry a great deal of interest rate risk for banks, GCB only keeps the adjustable rate mortgages in portfolio, and the majority of the fixed rate mortgages were sold servicing released to other investors. Regardless of whether we keep the loan in portfolio or sell the loan to an investor, if a servicing issue does arise, the customer can call upon us to assist them in their dealings with those investors. We are proud to note that we increased our market share in Franklin County for all types of mortgage loans from 12.50% to 17 over 13.35% of the local mortgage market. This increase is evidence that consumers continue to find that community banks like Greenfield Co-operative Bank really do look out for our customer's best interests. It was a vote of confidence in the products and service offered by our entire mortgage team. Greenfield Co-operative Bank launched a new marketing campaign for residential mortgages with the promise of working with them to review their options. This includes a promotion where we would make their first monthly payment (up to $2,000 of principal and interest). We remain bullish about Western Massachusetts and the fact that a home remains the best investment an individual can make, provided they can afford it and actually plan to live in it as their residence. Consumers simply need something to get them off the mark and we believe this program will help jump start our local market for the summer of 2011. 18 19 LOANS TO CONSUMERS: Residential mortgages with competitive interest rates and terms for purchase, construction or refinancing and land loans Mass Housing loan programs, including 1st mortgage loan programs with up to 100% financing on purchases, as well as special septic system repair loans, lead paint removal loans and home improvement loans Fixed and Adjustable Rates up to 40 year terms Owner occupied and Investor loans the best Home Equity Line of Credit program in the area Home Equity term loans New & Used Auto Loans Passbook and stock secured loans VISA® credit card Zero Interest "HEAT" loans with Mass Save. 20 Home equity loans and lines continued to grow in the past year, with growth of 5.80% over the prior year. Much of this is due to the fact that GCB has a great product, a great rate, and a great team of people to deliver them to our customers. 21 DEPOSIT PRODUCTS & SERVICES At Greenfield Co-operative Bank your money is fully insured, first by the FDIC and then above the FDIC limit by the Share Insurance Fund (SIF), a private excess insurer for co-operative banks in Massachusetts. We also offer a wide variety of deposit products and services for both consumers and businesses. sm Free NOW Accounts with Direct Deposit sm Free 24 Hour Online Banking through e-access with Free 24 Hour Bill Pay services Free 24 Hour Mobile Banking using your smart phone / PDA! Free e-statements for your GCB NOW, checking, money market and savings accounts. Free 24 Hour "Easy Access" automated telephone banking service Free MasterMoney® Debit Card services at participating merchants • Safe Deposit Boxes and Coin Counting Machine (both at new Shelburne Falls office) • Free ID SafeChoice sm 2 Basic Family plan for primary owner of personal GCB NOW/ checking account and members of their immediate family under age 25 who reside in the same home. 2 ID SafeChoice Services are provided to GCB personal NOW and Checking Account customers based on GCB's definition. Businesses are not eligible for this offer. This benefit is automatic for the primary member on every personal GCB NOW/Checking Account, their spouse or domestic partner and any children under 25 years of age who reside in the home. Benefits are non-transferable. Eligibility for recovery services is based on ID theft events that occur, are discovered and reported to Merchants Information Solutions (MIS) on or after the effective date of the program and during the eligibility period. Recovery Services are available in the United States of America (U.S.) and to persons outside the U.S. to the extent that U.S. laws prevail. 22 Greenfield Co-operative Bank has partnered with Merchants Information Solutions (MIS), the nation's most trusted name in identity theft protection to provide these recovery services. We were the first bank in Western Massachusetts to offer such services, and we did it free of charge to our customers. 24 Hour ATM card with worldwide access through NYCE® , CIRRUS®, SUMsm and now MoneyPass® • High yield Certificates of Deposit Accounts and Money Market Deposit Accounts, along with Regular Savings, Basic Checking, and Club Accounts. Individual Retirement Accounts ("IRA's") with a wide choice of deposit investments • People depend upon Greenfield Co-operative Bank for a safe and secure place to keep their savings and certificates of deposit while earning a great rate. Your money is fully insured, the first by the FDIC and amounts above the FDIC limits by the Share Insurance Fund (SIF), a private excess insurer only available at co-operative banks in Massachusetts. • Our personal N.O.W. checking account is FREE when you have direct deposit and you can also get a No-Cost MasterCard® Debit Card with no fees at participating merchants, FREE ATM sm card at any GCB ATM, FREE e-access Online Banking with FREE Bill Pay, FREE Mobile 3 sm Banking , FREE electronic statements, and FREE 24 hour telephone Easy Access service as well. Total deposits grew by over $12 million last year, so Greenfield Co-operative Bank clearly provides great products, great service and a safe & secure place for your money. • check us out at www.Facebook.com/bestlocalbank for regular updates on community activity at the bank, as well as postings on matters such as: o Discussing upcoming community events that GCB is involved with, o announcing new services or locations, o asking you for input on services and products our customers may desire, o to discuss new opportunities and options for securing your financial future, o to provide warnings of financial scams we become aware of in the marketplace, and o to give you ways to help you protect your identity 3 Please note that GCB charges no fee for Mobile banking, but check with your cell phone carrier for details on any fees they may charge for data transmission or internet access via your cell phone, PDA or other smartphone. 23 • With GCB, what you see is what you get- we don't have any hidden fees or conditions to get the rates we advertise. There's no need for you to check rates, every week we survey area bank rates to ensure we offer among the highest available. Remember to check our website at www.BestLocalBank.com for our most recent specials and current rates. Greenfield Co-operative Bank continues to focus on paying among the best interest rates to our depositors. Deposits now total over $245m and our market share of deposits has grown an amazing thirteen (13) years in a row! Obviously, people like our rates, our people and our service! 24 Distribution of GCB Deposits (in 000's) - Various Categories as of 3/31/2011 • As the chart above shows, Greenfield Co-operative Bank has a great mix of deposits on its balance sheet, including a very large share of NOW accounts/ Demand Deposit Accounts (DDA) checking accounts. Checking accounts represent the "primary" account for most households and indicate people consider us their household bank. In addition, combined with regular savings and Money Market Deposit Accounts (MMDA), these "core" deposits represent almost 59% of our deposit balances. This is key area of strength for your local bank as core deposits are a less volatile source of funding for banks and have a more stable pricing structure. • Greenfield Co-operative Bank also tightly controls expenses to ensure we are the most efficient bank possible. Our total operating expenses as a percentage of average assets is just 2.50%, well below the peer group figure of 3.26%. And our efficiency ratio (the measure of how much it costs to generate a dollar of revenue) is also good at 70.49% compared to a statewide peer ratio of 79.61%. This reflects our watching of non-interest expenses such as energy costs, printing costs, operating facility costs and the like. For example, our new building at 62 Federal Street is designed to be energy efficient, using high levels of insulation, energy efficient windows and lighting (utilizing motion detectors and timers) and making use of passive solar in our employee work areas, all to be as green as possible. And green saves green, as it is more cost effective to operate the building as well. 25 GCB Financial Services carries on the long tradition of services and trust that people expect from Greenfield Co-operative Bank. Located on the first floor of our new 62 Federal Street facility, there is easy parking and easy access to meet with Michael S. Johnson, Assistant Vice President- Senior Financial Consultant. Michael has over 15 years experience in helping people through this complex area. He can work with you one-on-one to answer your questions about investments and the market today. And he is right here in your hometown. NO 800# NEEDED. Personal Financial Needs • Retirement Planning & College Planning • Investment Planning Services • Overall Estate Planning Business Financial Needs • Corporate Benefit Services- helps analyze your current benefit structure and to provide 401(k) or 403(b) plans and other services to you and your employees. • Business and Personal Tax Analysis- we work with you and your accountant to take full advantage of the tax planning strategies that will help reduce taxes for you and your business. • Business Succession Planning- examines the strategies necessary to help ensure your business can be passed on to your heirs and still have the resources necessary to keep it operating for the next generation. GCB Financial Services can also make available to you a wide range of products for investments and insurance. These alternative investments include: • Mutual Funds • Variable and Fixed Annuities • Periodic Portfolio Review • Long-term Care Insurance • Life Insurance Michael S. Johnson is a registered representative offering securities and investments advisory services through MML Investors Services, LLC. Michael S. Johnson also offers investment advisory and financial planning services through MML Investors Services, LLC. Supervisory Office: 330 Whitney Ave., Suite 600, Holyoke, MA 01040. (413) 529-2000. Member SIPC. www.SIPC.org. Insurance Products offered through Massachusetts Mutual Life Insurance Company. GCB Financial Services and Greenfield Co-operative Bank are not subsidiaries or affiliates of MML Investors Services, LLC or Massachusetts Mutual Life Insurance Company. Investments and Insurance Products Offered: • ARE NOT insured by the FDIC or any other Federal government agency; • ARE NOT bank deposits or other obligations of or guaranteed by the bank; •ARE subject to risk, including possible loss of principal amount invested. 26 GCB Financial Services division FY 2011 was a good year in the securities markets and Mike Johnson helped many customers meet their personal financial goals. Highlights from the past year: • Over 600 customers trust GCB with their investments and financial planning • Over $31 million in assets now under management • Gross sales income of approximately $163,544 during Fiscal 2011 • Net Sales income to GCB of $114,481 during Fiscal 2011, up 5.6% from last year. 27 Internet and Electronic Banking • At Greenfield Co-operative Bank, we constantly work to provide you access to the latest in technology to make your banking easier. But rest assured that no matter what technology we offer to customers, we promise that you can ALWAYS talk to a personal representative at the bank during normal business hours at any of our convenient locations, or call us at (413) 772-0293. • We added FREE Mobile banking services in March of 2011, giving customers the choice to make inquiries, transfer funds or pay bills from their PDA or Smart Phone. • Our website at www.BestLocalBank.com is constantly updated with new informational videos, our current rates and products. Our goal is to make it easy for you to find what you need like current rates, product information, latest news, career opportunities at GCB, and helpful links to other useful sites. We've improved the content, and as always, you can apply right online for mortgage pre-approvals. Next time you are on the internet, stop by our website and see for yourself. • Our FREE "e-Access" Online Banking Service remains safe and secure. Every year we have outside experts who specialize in network security reviews test our site and make sure we have the latest in protection here at the bank. We train and re-train staff in our privacy policies and procedures. All of this is to ensure that you can deal with us confident that your personal data and your money remains safe and sound. 28 • E-Access continues to grow in usage with customers of all ages. The total number of sessions by people using the system is up by almost 10% from last year. E-access User Sessions 29448 27180 26638 25415 2426724164 24336 26196 23790 23568 22327 23329 • Steady growth in electronic banking shows that we now have almost 3,100 customers banking online at our "e-Access", and over 47% of them also use our Free Online bill paying service. • Customers conducted over almost 12,000 transfers and bill payments online in March 2011 for just over $4.7 million dollars. People like having choices and at GCB, we try every day to give you the choices you told us you wanted with the security you need. • Greenfield Co-operative Bank continues to offer the latest in electronic banking, yet we don't lose sight of the fact that you want local people to talk to if a question arises. We have the best E-banking team based right here in Franklin County. If you have a question during normal business hours, call us at 772-0293 and ask for Brandon Lively, Christopher Wilkey, Vanessa Russell or Deb Marvell. And if a question arises at night or on weekends, no problem. Simply call our 24/7 e-Access customer care help desk at 1-877-682-0334 and they will assist you with the e-Access Online banking service anytime a technical question comes up. 29 COMMUNITY BENEFITS As this report shows, Greenfield Co-operative Bank's commitment to our local communities goes beyond just loans and deposits. The staff of GCB provides great customer service with terrific financial products. We've traditionally been able to achieve strong earnings, which in turn allow us to continue to do the things we have always done to meet the banking and credit needs of customers in Western Massachusetts. We buy from local businesses who in turn patronize other local businesses. We invest in our community in a number of ways. • GCB contributed almost 5% of its net income in the form of contributions to local organizations, charities, and development groups during FY 2011. This meant just over $80,000 was donated to charitable and civic organizations last year. We support local economic development, affordable housing efforts, youth & education programs, important social services and many civic and cultural events throughout Franklin County. • GCB paid approximately $2.47 million in interest to our depositors and GCB originated over $58 million in loans in 2011. We also made substantial capital investments in two new building locations, which helped fill large gaps in each community. We restored damaged and run-down sites while providing numerous jobs to the local trades during construction/ renovation. In turn, these new and renovated buildings provide new property tax dollars for each community. • GCB provides good paying jobs and benefits to 59 people here in Franklin County. These people are your customers, neighbors and friends. They also do volunteer work for many community and school groups in the community. See our website at www.BestLocalBank.com for more details on our community efforts and our guidelines for contribution requests. • GCB has worked to bring more dollars into our communities as well. We've sponsored grant requests with the Federal Home Loan Bank of Boston that resulted in a grant of $400,000 to Franklin County Dial Self, Inc. to help renovate a beautiful Victorian home on Federal Street into a transitional shelter for young adults moving from foster care into independent living. • Greenfield Co-operative Bank committed to additional efforts with Small Business lending by opting to be one of the first banks to participate with the Massachusetts State Treasurer's office Small Business Banking Initiative in the spring of 2011. This program will result in the Commonwealth of Massachusetts depositing funds with the bank in return not only for a market rate of interest, but also a commitment from our bank to use those funds for additional small business loans and backing this up with ongoing reports to the State Treasurer of the number and amount of new loans made each quarter. Additional work that we don't have to do with most 30 lending, but worth it if we can leverage those funds into new loans to small businesses that results in new or retained jobs in the community. • Greenfield Co-operative Bank added to its list of special loans products (such as the Lead Paint Loans and Septic Tank loans offered through MassHousing) by participating in the Mass Save's Zero Interest Energy loans on both a consumer and a commercial basis during early 2011. These involve additional training and reporting, but provide zero interest loans of up to $25,000 to homeowners to make energy improvements to their homes such as new insulation, new energy efficient heating systems and new energy efficient windows. • Officers and Staff of GCB are encouraged to take an active role in community groups and events. This includes things you might expect like the Chamber of Commerce and local CDC's. It also includes things you might not expect like youth education in the annual Credit For Life programs in Franklin County, fundraising in the Big Brothers/Big Sisters Bowlathon and much, much more. Big Brothers/Big Sisters Bow for Kids Sake- GCB's Team for 2011 As a result of all of these efforts, Greenfield Co-operative Bank received an "Outstanding" Community Reinvestment Act ("CRA") rating by the Federal Deposit Insurance Corporation. This recognizes our reinvesting in our local towns through loans, providing affordable banking services for all, and investing in the community through both dollar contributions and volunteer work. 31 GREENFIELD CO-OPERATIVE BANK OFFICERS AND MANAGERS (AS OF 6-1-2011) KEVIN J. O'NEIL CHAIRMAN OF THE BOARD MICHAEL E. TUCKER, ESQ. PRESIDENT & CHIEF EXECUTIVE OFFICER ERIC A. MARSH, CPA SENIOR VICE PRESIDENT, TREASURER & CFO WILLIAM F. AHLEMEYER SENIOR VICE PRESIDENT- COMMERCIAL LOANS CHRISTINE M. EUGIN SENIOR VICE PRESIDENT, MORTGAGES & CRA OFFICER DEBORAH J. FALCON SENIOR VICE PRESIDENT, RETAIL BANKING DAVID AHEARN VICE PRESIDENT- COMMERCIAL LOANS ANTHONY WORDEN VICE PRESIDENT- COMMERCIAL LOANS MICHAEL S. JOHNSON ASSISTANT VICE PRESIDENT- GCB FINANCIAL SERVICES BRANDON S. LIVELY ASSISTANT VICE PRESIDENT- INFORMATION SYSTEMS SARAH G. MARQUIS HUMAN RESOURCE OFFICER/ FACILITIES MARY J. RAWLS COMPLIANCE OFFICER LISA GRANGER BRANCH MANAGER, 63 FEDERAL STREET, GREENFIELD ANITA MICHONSKI BRANCH MANAGER, 18 AMHERST ROAD, SUNDERLAND CYNTHIA GONZALEZ BRANCH MANAGER, 277 FEDERAL STREET, GREENFIELD SHAWN STREETER BRANCH MANAGER, 144 MAIN STREET, NORTHFIELD JANE TROMBI BRANCH MANAGER, 33 BRIDGE ST., SHELBURNE FALLS GREENFIELD BANCORP, MHC (OFFICERS AS OF 6-1-2011) KEVIN J. O'NEIL CHAIRMAN OF THE BOARD MICHAEL E. TUCKER, ESQ. PRESIDENT & CHIEF EXECUTIVE OFFICER ERIC A. MARSH, CPA SENIOR VICE PRESIDENT, TREASURER & CFO ROBERT J. CAREY, ESQ. CLERK 32 DIRECTORS FOR GREENFIELD CO-OPERATIVE BANK & GREENFIELD BANCORP, MHC ROBERT R. CAREY, ESQ. (CLERK) WILLIAM A. DUFRAINE NANCY FOURNIER, CPA EUGENE L'ETOILE REGIS MACNEIL JOHNSTON KEVIN J. O'NEIL (CHAIRMAN) C. MICHAEL SHERIDAN MICHAEL E. TUCKER, ESQ. ROBERT L. UNDERHILL CORPORATORS FOR GREENFIELD BANCORP, MHC (in addition to Directors above) MR. WILLIAM F. AHLEMEYER SENIOR VICE PRESIDENT, GREENFIELD CO-OPERATIVE BANK MS. DARCI BROWN PRESIDENT, BROWN MOTORS, INC. MR. DOUGLAS P. CLARKE MANAGER, CUSTOMER OPERATIONS, WMECO MR. ANDREW C. CHASE HEAD OF SCHOOL, EAGLEBROOK SCHOOL MS. CHRISTINE M. EUGIN SENIOR VICE PRESIDENT, GREENFIELD CO-OPERATIVE BANK MS. DEBORAH J. FALCON SENIOR VICE PRESIDENT, GREENFIELD CO-OPERATIVE BANK MR. RICHARD F. LAPIERRE PRESIDENT, LAPIERRE 'S ADVERTISING, INC. MS. JUNE B. MALENFANT RETIRED MR. ERIC A. MARSH, CPA SVP, TREASURER & CFO, GREENFIELD CO-OPERATIVE BANK MS. MARGARITA O'BYRNE CURTIS HEAD OF SCHOOL, DEERFIELD ACADEMY MR. KEVIN D. PARSONS, ESQ. ATTORNEY AT LAW MR. WILLIAM R. PRATT, CBR BENCHMARK & PRATT REAL ESTATE MS. SUSAN M. RENFREW RENFREW REAL ESTATE MR. JOSIAH L. SIMPSON PRESIDENT, JOSH SIMPSON CONTEMPORARY GLASS, INC. MS. MOLLY L. WOOD OWNER, SMALL CORP. 33 Greenfield Cooperative Bank Statement of Condition as of March 31, 2011 and March 31, 2010 Unaudited (000's) 2011 2010 Assets Cash on Hand and Due from Banks $ 25,783 $ 18,746 Short-term Investments $ 733 $ 818 Total Cash and Cash Equivalents $ 26,516 $ 19,564 Securities Available for Sale at Fair Value $ 79,269 $ 82,713 Securities Held to Maturity at Amortized Cost $ 1,860 $ 2,341 Federal Home Loan Bank Stock,at Cost $ 1,386 $ 1,359 Total Investments $ 82,515 $ 86,413 Mortgage Loans on Real Estate $ 90,397 $ 98,334 Commercial Loans $ 52,396 $ 40,184 Installment and Home Equity Loans $ 30,494 $ 28,856 Gross Loans $ 173,287 $ 167,374 Allowance for Loan Losses $ (1,567) $ (1,238) Loans, net $ 171,720 $ 166,136 Banking Premises, Furniture & Fixtures $ 5,639 $ 2,917 Accrued Interest Receivable $ 767 $ 909 Differed Income Taxes $ 165 $ 313 Bank Owned Life Insurance $ 3,547 $ 3,408 Co-operative Central Deposit $ 634 $ 634 Prepaid FDIC Assessment $ 709 $ 969 Other Assets $ 1,474 $ 1,254 Total Assets $ 293,686 $ 282,517 Liabilities Deposits $ 245,018 $ 232,762 Borrowings $ 11,971 $ 14,478 Borrowers' Escrow Accounts $ 370 $ 496 Other Liabilities $ 1,378 $ 1,458 Surplus $ 33,782 $ 32,201 Accumulated Other Comprehensive Income $ 1,167 $ 1,122 Total Liabilities & Surplus $ 293,686 $ 282,517 Standby Letters of Credit as required $ 45 $ 245 by FDIC Rules and Regulations 337.2 (D) * Includes Securities deposited as collateral for Treasury Tax & Loan Payments ** Pursuant to "Statement of Financial Accounting Standards 115 " ("SFAS 115"), which was adopted 04/30/94 Investment Securities - Available for Sale have been reflected at "Fair Market Value" Eric A. Marsh Treasurer & CFO 34 Greenfield Co-operative Bank Income & Expense Statement For the Fiscal Years Ending March 31, 2011 and March 31, 2010 Unaudited (000's) 2011 2010 $ (12 Month FY) (12 Month FY) Change Interest & Dividend Income Loans, Including Fees $ 8,619 $ 8,613 $ 6 Securities $ 2,284 $ 2,834 $ (550) Short-term Investments $ 43 $ 50 $ (7) Total Interest & Dividend Income $ 10,946 $ 11,497 $ (551) Interest Expense Deposits $ 2,474 $ 3,273 $ (799) Borrowings $ 423 $ 489 $ (66) Total Interest Expense $ 2,897 $ 3,762 $ (865) Net Interest Income $ 8,049 $ 7,735 $ 314 Provision for Loan Loss $ 239 $ 325 $ (86) Net Interest Income After Provision for Loan Loss $ 7,810 $ 7,410 $ 400 Non-interest Income Customer Service Fees $ 1,160 $ 1,220 $ (60) Gains on Sales of Loans $ 223 $ 199 $ 24 Miscellaneous $ 160 $ 184 $ (24) Total Non-interest Income $ 1,543 $ 1,603 $ (60) Non-interest Expense Salaries & Benefits $ 3,505 $ 3,168 $ 337 Occupancy & Equipment $ 756 $ 580 $ 176 Data Processing $ 348 $ 362 $ (14) Professional Fees $ 197 $ 174 $ 23 FDIC Insurance $ 285 $ 429 $ (144) Advertising $ 192 $ 195 $ (3) Other General & Administrative $ 1,691 $ 1,625 $ 66 Total Non-interest Expense $ 6,974 $ 6,533 $ 441 Income Before Taxes $ 2,379 $ 2,480 $ (101) Income Taxes $ 798 $ 830 $ (32) Net Income $ 1,581 $ 1,650 $ (69) 35 Greenfield Bancorp MHC Statement of Condition as of March 31, 2011 Unaudited (000's) Consolidating Consolidated Bank Bancorp MHC Entries Bancorp MHC Assets Cash on Hand and Due from Banks $ 25,783 $ 7 $ (7) $ 25,783 Short-term Investments $ 733 $ 733 Total Cash and Cash Equivalents $ 26,516 $ 7 $ (7) $ 26,516 Securities Available for Sale at Fair Value $ 79,269 $ 79,269 Securities Held to Maturity at Amortized Cost $ 1,860 $ 1,860 Investment in Bank $ 29,976 $ (29,976) $ - Federal Home Loan Bank Stock,at Cost $ 1,386 $ 1,386 Total Investments $ 82,515 $ 29,976 $ (29,976) $ 82,515 Mortgage Loans on Real Estate $ 90,397 $ 90,397 Commercial Loans $ 52,396 $ 52,396 Installment Loans $ 30,494 $ 30,494 Gross Loans $ 173,287 $ - $ - $ 173,287 Allowance for Loan Losses $ (1,567) $ (1,567) Loans, net $ 171,720 $ - $ - $ 171,720 Banking Premises, Furniture & Fixtures $ 5,639 $ 5,639 Accrued Interest Receivable $ 767 $ 767 Deferred Income Taxes $ 165 $ 165 Bank-Owned Life Insurance $ 3,547 $ 3,547 Co-operative Central Deposit $ 634 $ 634 Prepaid FDIC Assessment $ 709 $ 709 Other Assets $ 1,438 $ 36 $ 1,474 Total Assets $ 293,650 $ 30,019 $ (29,983) $ 293,686 Liabilities Deposits $ 245,025 $ (7) $ 245,018 Borrowings $ 11,971 $ 11,971 Borrowers' Escrow Accounts $ 370 $ 370 Other Liabilities $ 1,373 $ 5 $ 1,378 Surplus $ 33,745 $ 30,013 $ (29,976) $ 33,782 Accumulated Other Comprehensive Income $ 1,167 $ 1,167 Total Liabilities & Surplus $ 293,651 $ 30,018 $ (29,983) $ 293,686 36 Greenfield Bancorp MHC Income & Expense Statement For the Fiscal Years Ending March 31, 2011 Unaudited (000's) Bank MHC Consolidating Consolidated (12 Month FY) (12 Month FY) Entries Bancorp MHC Interest & Dividend Income Loans, Including Fees $ 8,619 $ 8,619 Securities $ 2,284 $ 2,284 Dividends $ - Short-term Investments $ 43 $ 43 Total Interest & Dividend Income $ 10,946 $ - $ - $ 10,946 Interest Expense Deposits $ 2,474 $ 2,474 Borrowings $ 423 $ 423 Total Interest Expense $ 2,897 $ - $ - $ 2,897 Net Interest Income $ 8,049 $ - $ - $ 8,049 Provision for Loan Loss $ 239 $ 239 Net Interest Income After Provision for Loan Loss $ 7,810 $ - $ - $ 7,810 Non-interest Income Customer Service Fees $ 1,160 $ 1,160 Gains on Sales of Loans $ 223 $ 223 Miscellaneous $ 160 $ 160 Total Non-interest Income $ 1,543 $ - $ - $ 1,543 Non-interest Expense Salaries & Benefits $ 3,501 $ 4 $ 3,505 Occupancy & Equipment $ 756 $ 756 Data Processing $ 348 $ 348 Professional Fees $ 192 $ 5 $ 197 FDIC Insurance $ 285 $ 285 Advertising $ 192 $ 192 Other General & Administrative $ 1,691 $ - $ 1,691 Total Non-interest Expense $ 6,965 $ 9 $ - $ 6,974 Income Before Taxes $ 2,388 $ (9) $ - $ 2,379 Income Taxes $ 800 $ (2) $ 798 Net Income $ 1,588 $ (7) $ - $ 1,581 37 GCB LOCATIONS 63 FEDERAL STREET, GREENFIELD (**DRIVE UP ATM) 18 AMHERST ROAD, SUNDERLAND (** DRIVE UP ATM) 277 FEDERAL STREET, GREENFIELD (** DRIVE UP ATM) 144 MAIN STREET, NORTHFIELD (**WALK UP ATM) 33 BRIDGE ST., SHELBURNE FALLS (**W ALK UP ATM) REMOTE ATM AT MOHAWK TRAIL (ROUTE 2), SHELBURNE (** DRIVE UP ATM) LENDING & OPERATIONS CENTER, 62 FEDERAL STREET, GREENFIELD 62 Federal Street, GCB Operations Center at Night (photo courtesy of RIck LaPierre) 38 39 40
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|By Marketwired .
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|June 3, 2014 09:01 AM EDT
SANTA CLARA, CA -- (Marketwired) -- 06/03/14 -- DataTorrent, creator of the world's first enterprise grade real-time stream processing platform on Hadoop, today announced the general availability of DataTorrent RTS. DataTorrent RTS enables enterprises to take action in real-time as a result of high-performance complex processing of data as it is created. Separately, DataTorrent announced a strategic go-to-market partnership with Trace3.
With today's release, DataTorrent RTS becomes the industry's first commercial offering to deliver real-time streaming analytic capabilities on Hadoop with performance greater than 1 billion data events per second -- equivalent to processing 46 cumulative hours of streaming Twitter data in one second. Additionally, DataTorrent RTS' fault tolerant architecture ensures zero downtime and is certified to run on all major Hadoop and Cloud distributions.
"We are seeing increasing interest in stream-processing platforms for real-time analytics, as a complement to data warehouses and Apache Hadoop," said Jason Stamper, Research Analyst, 451 Group. "Enterprise adoption of stream-processing requires fast, in-memory processing of a large volume of events at scale -- and in many cases a fault-tolerant architecture too."
By 2020, the number of smartphones, tablets, and personal computers in use will reach 7.3 billion units. Additionally, the number of Internet of Things (IoT) connected devices will grow to 26 billion units, a nearly 30-fold increase from 0.9 billion in 2009.(1)
As this massive amount of human and machine-generated data outpaces the capabilities of traditional databases, organizations are seeking ways to find scalable, predictable technology that enables reduced operational costs, increased revenue and increased customer satisfaction. Current Hadoop technology provides a scalable way to store and process data in a batch-oriented mode, but processing data in this way can take hours or even days.
DataTorrent RTS Streaming Analytics Platform
DataTorrent RTS allows organizations to harness the full potential of big data by enabling faster data ingestion, data processing, and more timely data insights. Key capabilities include:
- Streaming, scalable data ingestion & extraction from any source: DataTorrent RTS connects to thousands of systems simultaneously using pre-built operators and processes millions of incoming data events without delay.
- High performance data transformation and complex computation: In-memory processing on data and events as they happen provides near-zero latency. With the ability to scale to billions of data events per second, DataTorrent RTS delivers the needs of today's enterprises and future-proofs tomorrow's unexpected requirements.
- Real-time monitoring, alerting and action: DataTorrent RTS' architecture provides the ability to extend analytic capabilities beyond static queries. Custom business logic written in Java enables monitoring, alerting, analysis, and action all taken in real-time, saving organizations time and money while also increasing customer satisfaction.
- Compatibility with existing Big Data processes: DataTorrent RTS archives and loads results into any data store for archiving and query-based analytics. This ensures that an organization's existing processes work the same, just sooner -- they no longer need to wait hours or days to do data analysis.
- Fault tolerant, highly available, dynamic system: DataTorrent RTS' streaming window implementation allows for in-line system checkpointing to ensure high availability and guarantees processing of every event. The fault tolerant implementation provides the flexibility to change business logic and insert or delete operators on a running system with no downtime.
"Hadoop has made big data analytics a reality; however, the true value of big data is unlocked when it can be acted upon in real-time," said Phu Hoang, co-founder and CEO, DataTorrent. "DataTorrent RTS is designed specifically to address this need for the enterprise. Through the advances provided by Hadoop 2.0, we are proud to raise the bar on real-time analytics to offer the industry's first true real-time data ingestion and analysis platform at scale."
Open Platform Support Provides Customer Choice
DataTorrent RTS is a Hadoop 2.0 (YARN) native application. One hundred percent Hadoop 2.0 compliance allows DataTorrent RTS and Hadoop Map Reduce to exist side-by-side. With more than 400 Apache 2.0 open source DataTorrent operators, creating and deploying real time streaming analytic application is now easier than ever.
DataTorrent's open approach is validated by certifications on the industry leading Hadoop distributions from Cloudera, Hortonworks and MapR Technologies as well as the leading cloud providers, Amazon Web Services and Google Compute Engine.
"The certification of DataTorrent RTS on Cloudera Enterprise 5, provides our joint customers the ability to ingest, analyze, and act on voluminous streams of data in real-time as data flows into an enterprise data hub," said Amr Awadallah, co-founder and chief technology officer, Cloudera. "This real-time capability allows joint customers to uncover real-time insights and enables them to realize the full value of Cloudera's industry leading platform for big data."
"We're pleased to certify DataTorrent RTS on Hortonworks Data Platform 2.1, the industry's only 100-percent open source Apache Hadoop distribution," said John Kreisa, vice president of strategic marketing at Hortonworks. "With partners like DataTorrent and their YARN Ready applications in the Hadoop ecosystem, we're able to provide enterprises with the ability to aggregate new types of data from sensors/machines, server logs, clickstreams, and other sources to a Data Lake, empowering a true modern data architecture that delivers business insights in real-time."
"Real-time data analysis at large scale with fault tolerance is a key customer requirement," said M.C. Srivas, CTO and Co-Founder of MapR Technologies. "DataTorrent RTS certification provides an enterprise-grade, real-time streaming application managed by YARN within the mission-critical, high-performance MapR Distribution for Apache Hadoop."
DataTorrent RTS for Hadoop is generally available today. For more information, or to download, click here.
Additional Resources
- Visit the DataTorrent RTS Webpage
- Learn how DataTorrent handles over 1 billion data events per second
- Check out the DataTorrent blog
- Follow us on Twitter
About DataTorrent
DataTorrent RTS is the world's most powerful Big Data streaming platform built exclusively on Hadoop. With its massively scalable architecture, DataTorrent RTS allows enterprises to process, monitor, analyze and act on data instantaneously. Based in Santa Clara, California, DataTorrent is backed by leading investors including August Capital, Morado Ventures, and Yahoo co-founder Jerry Yang. For more information, visit our website or follow us on Twitter.
(1) Gartner Press Release, "Gartner Says the Internet of Things Installed Base Will Grow to 26 Billion Units By 2020." December 12, 2013. http://www.gartner.com/newsroom/id/2636073
Media Contact:
Fitzgerald Barth
LEWIS PR for DataTorrent
(415) 432-2457
Email Contact
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Guest Reviews
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March 18, 2015
This was a very nice hotel for the price. Enjoyed our room as it was very spacious.
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Always quality, friendly, and great customer service
March 07, 2015
First time at this location in a number of year. General appearance reflected renovation although not sure. The associate at the front desk was very professional and courteous as if he had helped us before, which was not the case.
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February 28, 2015
This property is great, the staff was amazing and the room was comfortable and exceptionally clean. I would recommend this hotel to anyone I know. I especially loved the Candlewood Cupboard and fitness room on site!
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Cry-worthy Customer Service (Happy Tears of course)
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February 19, 2015
Of all the Candlewood Suites I have stayed at, I will truly remember the one in North Little Rock on Vali Court. This is for 1 reason
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14:0457(74)NG - International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers and Helpers and Norfolk Naval Shipyard -- 1984 FLRAdec NG
[ v14 p457 ]
The decision of the Authority follows:
14 FLRA No. 74 INTERNATIONAL BROTHERHOOD OF BOILERMAKERS, IRON SHIP BUILDERS, BLACKSMITHS, FORGERS AND HELPERS Union and NORFOLK NAVAL SHIPYARD Agency Case No. O-NG-552 DECISION AND ORDER ON NEGOTIABILITY ISSUE The petition for review in this case comes before the Authority pursuant to section 7105(a)(2)(D) and (E) of the Federal Service Labor-Management Relations Statute (the Statute). The issue presented is the negotiability of the following Union proposal: Performance standards will be described in writing for outstanding, satisfactory, and unsatisfactory performance levels for each critical or non-critical element established. All performance elements shall be in writing and discussed with the employee at the beginning of each rating cycle. (Delete all future reference to marginal and highly satisfactory performance levels.) (Only the underlined portions are in dispute.) Upon careful consideration of the entire record, including the parties' contentions, the Authority makes the following determinations. The Union's proposal would establish the number of rating levels for the appraisal of an employee's performance in each job element. In this regard, the proposal would have the same effect as a portion of the proposal in American Federation of State, County and Municipal Employees, AFL-CIO, Council 26 and U.S. Department of Justice, 13 FLRA No. 96 (1984), which the Authority held to be outside the duty to bargain because it interfered with management's rights under section 7106(a) of the Statute to direct employees in the agency and to assign work. In this regard, the Authority held that the number of rating levels was integrally related to the effectiveness of an agency's using performance standards to accomplish the work of the agency. Moreover, the Authority held that insofar as a proposal had the effect of requiring or preventing the establishment of a performance standard it directly interfered with the agency's right to establish performance standards. Base on Department of Justice and for the reasons fully stated therein, it is concluded that the instant proposal is outside the duty to bargain. /1/ Of course, a proposal which would permit an employee to grieve the application to that employee of the performance requirements established by management would be within the duty to bargain. American Federation of Government Employees, AFL-CIO, Local 1968 and De


text:
No time for U.S. to slow down
Despite going unbeaten in the preliminaries, Americans must stay focused
Kessel's Hat Trick Sparks United States
SOCHI, Russia -- If you talk to folks around the Olympic hockey tournament, there is a consensus that the U.S. squad is the most fully formed of the gold-medal hopefuls as we head into elimination play this week.
The Americans won their pool for the second straight Olympics, and they won all three preliminary-round games for the second straight Games. They will enter Wednesday's quarterfinal as the second seed behind Sweden, which earned an extra point by winning all three of its games in regulation.
All of this means exactly what?
Um. That would be nothing.
The tournament begins in earnest Tuesday with the four qualifying games. The tension then ramps up Wednesday with the quarterfinal games. On both days, the reality is harshly simple: Win or go home.
Here are five things about Team USA heading into the meat of what has been a terrific tournament thus far.
1. Four years makes a difference
Is this team better than the team that came within a goal of winning gold four years ago in Vancouver?
"I hope not," Canadian forward Rick Nash said Monday. "They were pretty strong in 2010.
"They're a good team. They've got hard-nosed guys, guys that play the right way, don't cut corners. They had that in 2010, too, and you wouldn't expect anything different from Team USA."
The simple answer to that question is yes, though. The forward group is more mature than four years ago and brings a ton of experience both in terms of the Olympics (nine returning forwards from the '10 team) and beyond. Since that beautiful Sunday in Vancouver, guys such as Patrick Kane (twice) and Dustin Brown have won Stanley Cups, while Zach Parise and Ryan Kesler both went to Stanley Cup finals in the intervening years.
The blue line is young, yes, but it's also faster and more skilled. Guys such as Ryan Suter, Paul Martin and Brooks Orpik provide a nice veteran counterbalance. While it doesn't have a scoring machine like Canada's Drew Doughty, the American defense has been active and has chipped in with timely goals thus far.
2. Goaltenders in a groove
We will admit to some surprise that the U.S. coaching staff decided to start Jonathan Quick against Slovakia in the team's first round-robin game. But the choice was the right one, as Quick followed up a strong opening-game performance with a dominating performance against Russia in what has been rightly described as an instant classic. His save on Evgeni Malkin's one-timer from the circle during a Russian power play stands out as maybe the save of the tournament thus far.
Watching Quick in that game reminded us a bit of Ryan Miller's turn four years ago in the preliminary round against Canada as the U.S. hung on for an important win that allowed it to finish at the top of the group standings. Quick's regular season in Los Angeles has been marred by injury, and there was some concern about where his game would be coming back at the end of the calendar year. But he has been terrific here, and we assume he'll get the starting nod Wednesday. He has moved seamlessly from third goaltender in Vancouver to "the man" here in Sochi.
3. Kessel is feeling it
Is there anyone in the world who looks more uncomfortable entering the mixed zone to face the international media than Phil Kessel? Um. In a word, no. Is there anyone in the world as hot as Kessel is right now when it comes to producing points and goals? Ditto. Kessel leads all Olympic scorers at the break with seven points in three games. The line of Kessel, Joe Pavelski and Kessel's Toronto linemate James van Riemsdyk has produced five goals and 10 assists.
"We are having fun out there, and [van Riemsdyk] and him have good chemistry," Pavelski said. "I just try to get them the puck when I can. It's good he's on our side right now."
Kessel has found the transition from the NHL, in which he was smoking hot before the break, to the Olympics to be a seamless one. Right now he is having an MVP-type of tournament. Let's see whether that continues Wednesday.
4. Counting on Kane
But as this tournament moves along, and if a possible showdown with Canada in the semifinals comes to fruition, the U.S. will need to have all hands on deck offensively. If there is a guy who has the potential to burn bright when the games are at their most critical, though, it's Kane. During last year's Stanley Cup playoffs, Kane struggled through the early parts of the Chicago Blackhawks' playoff run, but by the end, he was dominant and rightly named playoff MVP.
5. A ride on the freight train
We never tire of watching David Backes, Ryan Callahan and Parise maul opposing teams' players. They did a terrific job helping to neutralize the Russian stars in the Americans' thrilling 3-2 shootout win. That line will be counted on to disrupt their opponents' skill players starting Wednesday.
The media seats in the press tribune provide an excellent vantage point to sense the speed and physicality of the game, and this line for the U.S. has been like a freight train. We recall one moment during the Russia game in which a play ended with what appeared as though Backes had both hands wrapped around defenseman Fedor Tyutin's throat.
Sustaining that level of mayhem will also be a key factor moving forward, especially against deeper offensive teams. The key will be in bringing that intensity without having it cross over to penalty trouble. Brown caught Russian winger Vladimir Tarasenko with a knee in the Russia game that earned him a minor penalty but could have been more serious. This will be especially true in the quarterfinals against a team that won't be as deep, but spending too much time on the penalty kill is a recipe for disaster.
- Hockey writer for ESPN.com
- 10 years at Toronto Sun, Windsor Star and National Post
- Wrote best-selling true crime book "Deadly Innocence"
Use a Facebook account to add a comment, subject to Facebook's Terms of Service and Privacy Policy. Your Facebook name, photo & other personal information you make public on Facebook will appear with your comment, and may be used on ESPN's media platforms. Learn more.
- No doubting Canada's dominance
- Backstrom victim of testing debacle
- Burnside: Five things about Canada's win
- Too much, too soon for U.S. in Sochi
- LeBrun: Five things to know about Finland's win
- Sweet end to Selanne's swan song
- LeBrun: Battle for hockey supremacy
- LeBrun: Defense has Canada set to defend gold
- Burnside: Going for fancy costs USA shot at gold
- LeBrun: 5 things to know about Canada-U.S.
- Price, Canada shut out U.S. in hockey semi
- Burnside: Stealth Swedes soar again
- Sweden tops Finland, punches golden ticket
- 2014 Sochi Olympics: Playoff Rounds
- Hockey Today


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Littlewolf sentenced for Duluth murder
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The man convicted of a 2012 murder in Duluth was sentenced today to serve 40 years in prison.
Joshua Lee Littlewolf, 43, will need to serve at least two-thirds of the sentence. Littlewolf was convicted in September of second-degree murder for the April 2012 killing of 28-year-old Joshua Olson.
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