CASH 2018 Special Proxy Statement

Your vote is very important. Whether or not you plan to attend the Crestmark special meeting in person, please complete, date, sign and return the enclosed proxy card in the enclosed envelope to ensure that your shares of Crestmark common stock will be represented at the Crestmark special meeting if you are unable to attend. The Crestmark board of directors has unanimously approved the merger agreement, the merger and the other transactions contemplated by the merger agreement, has determined that the merger agreement, the merger and the other transactions contemplated by the merger agreement are advisable, fair to and in the best interests of Crestmark and its shareholders and unanimously recommends that holders of Crestmark common stock vote “FOR” the Crestmark merger proposal and “FOR” the Crestmark adjournment proposal (if necessary or appropriate). We encourage you to read the entire accompanying joint proxy statement/prospectus carefully (including any documents incorporated therein by reference). Please pay particular attention to “Risk Factors” beginning on page 19, for a discussion of the risks relating to the proposed merger. By Order of the Board of Directors, W. David Tull Chairman of the Board and Chief Executive Officer Troy, Michigan April 27, 2018