MBT Financial Corp.

Mr. Chaffin is President and Chief Executive Officer of Monroe Bank & Trust. Prior thereto, he served as Executive Vice President and Senior Lending Manager (2001), overseeing all of Monroe Bank & Trust's loan operations, including individual, business and institutional lending.

Karen M. Wilson is the Chairman and CEO of Central Distributors of Beer, Inc. of Romulus, Michigan. She is an active community member, including being a Board Member to Everybody Ready, the Downriver Council for the Arts, and The Information Center. She is also involved with the Downriver Guidance Clinic, the New Morning School and is past President to the Jaycee Auxiliary. Throughout her career, Ms. Wilson has received several awards and accolades including the Chairman’s Gavel Award from the Michigan Beer & Wine Wholesalers Association, Entrepreneur of the Year from Ernest & Young, the Women of Distinction Award from the Huron Valley Girl Scout Council and the Michigan’s Top 25 Women Business Owners of Distinction from the National Association of Women Business Owners.

Mr. McIntyre is Chairman and Chief Executive Officer of Allegra Network, LLC, a franchisor of printing businesses

Mr. Daly is the President and General Counsel of Daly Merritt Inc., a Michigan-based Independent Insurance Agency. He is also employed as the Assistant Dean of Enrollment Management at the University of Detroit Mercy School of Law.

Jim Morr is responsible for all legal issues affecting the bank and directing the policies and operations of the Trust Department, which manages over $1 billion in trust accounts. He joined MB&T in 1989 as Trust Officer and General Counsel, he was promoted to Vice President, Trust Officer and General Counsel in 1990 and to Senior Vice President in 1991. He has held his current position since 1997.

Second Vice President Dean had 13 years of experience in investments and trust administration, credit and financial analysis, prior to joining MBT Downriver in 2002. Dean earned his Bachelors Degree in Business Administration from the University of Michigan-Dearborn, with a double concentration in Finance and Accounting. He completed his Masters in Business Administration in Finance at Wayne State University. He has attended both the National Trust School and the National Graduate Trust School at Northwestern University and earned his Certified Trust & Financial Advisor (CTFA) designation in 1999.

Patrick joined Monroe Bank & Trust in November 1987 and serves as Vice President and Manager of MBT Credit Company, Inc. A graduate of the Monroe County Community College and the University of Wisconsin’s ABA Graduate School of Bank Management; Pat spent 10 years in management positions with other financial institutions. This invaluable experience has allowed Pat to develop investor relationships for MBT, which has enhanced the Bank’s mortgage product lines.

Andy joined Monroe Bank & Trust in 2007, having previously served as a Relationship Manager in a wealth management group in Toledo, Ohio. In that role, Andy managed over 250 client accounts totaling more than $200M in assets. He also served as a Fiduciary Officer, and gained valuable experience in estate and succession planning, taxes and investments. Andy currently serves as Vice President, Wealth Management Officer. Prior to his career in wealth administration, Andy served as an attorney with a Toledo-based law firm. Andy graduated with a Bachelor of Arts from Xavier University in Cincinnati and obtained his Juris Doctor from the University of Toledo.

Anthony joined Monroe Bank & Trust in August 2004 and currently serves as Vice President, Fixed Income Analyst / Portfolio Manager Prior to coming to MBT, Anthony spent several years as a Risk Analyst with the investment management division of a multinational life insurance company, assessing current and potential asset risks for a $100 billion fixed income portfolio. Anthony received a Bachelors Degree in Finance and Accounting from the University of Cincinnati and Master of Business Administration from Bowling Green State University.

A graduate of Michigan State University, Catherine joined MBT Investment Services in 2008. She is licensed in Life Insurance, Variable Life and Variable Annuities. She also holds Series 6 and Series 63 securities registrations through Uvest Financial Services. Prior to coming to MBT, Catherine’s 25 years of experience in investing and insurance included positions at Independent Financial Marketing Group (Flagstar Bank), National City Investments, Prudential and John Hancock. Catherine especially enjoys building custom investment and insurance portfolios to serve her clients’ individual needs.

Denise joined Monroe Bank & Trust in August 1986, and worked in the branch system and auditing before moving to the Wealth Management Group. She currently serves as Second Vice President, Wealth Management Administrator. Denise's professional development studies have included the Bank Auditing School at Central Michigan University, a Certification in Trust Auditing from Cannon Financial Institute and a 3-year program at the Midwest Trust School.

Devin joined MBT Investment Services in 2006 as a Financial Advisor. He started his career with Smith Barney in Farmington Hills in 1998, becoming licensed as a Registered Representative in 2000. He is a fully licensed financial advisor with Series 7, 63 and 65 licenses; and also holds insurance licenses in life, health and variable accident and casualty. He prides himself on working with individuals to build a secure financial plan that is tailored to their individual goals and objectives.

Jeff joined Monroe Bank & Trust in 2008 and serves as Vice President & Team Leader in Wealth Management Administration. Jeff brings over 25 years of broad-scope trust administration experience in areas including institutional and personal trusts, investments and retirement management. As a team leader, Jeff directs and manages a team of wealth management experts in addition to personally managing a portfolio of trust, investment agency and IRA accounts. Jeff is a graduate of Central Michigan University with a degree in Finance.

Jim joined Monroe Bank & Trust in 1999 as Trust Administrator. He currently serves as Vice President, Equity Analyst / Portfolio Manager. Jim received his undergraduate degree from Wayne State University and completed graduate work at Central Michigan University and Northwestern University. His graduate work in finance includes professional studies in Midwest Trust School, Cannon Financial Institute and Bowling Green State University where he earned the Certificate in Financial Planning.

Linda joined the staff of MBT Investment Services in 2004 as a Sales Assistant. She joined the organization with a wealth of banking, securities, insurance and investment experience. Linda began her career as a teller and steadily gained additional financial experience throughout her more than 15-year career in Akron, Ohio. Linda is Series 6 and 63 licensed, and fully-licensed in life, accident, health, property and casualty insurance.

Mark joined MBT Investment Services in 2004, and currently serves as a Financial Consultant. Mark strives to assist clients in achieving their financial goals and providing peace of mind for their future. Mark is a licensed broker and also holds licenses in life, health and variable life insurances. He is also Series 6 and 63 licensed. He prides himself on thorough, professional, personalized investment services.

Tom joined MBT Investment Services in 2003, and currently serves as a Financial Consultant. Tom offers a wealth of knowledge and in-depth financial services experience to the customers he diligently serves. With a keen interest in insurance and financial planning, Tom has accumulated 15 years of invaluable experience with several investment firms. Tom is a licensed broker and also holds licenses in life, variable life, property, casualty and and is Series 7 and 63 licensed.

Victoria joined Monroe Bank & Trust in 1995 and serves as Assistant Vice President, Securities Trading Officer. Before joining MBT, Victoria worked for two brokerage houses in Toledo. Educated at the University of Toledo, Victoria earned a Bachelor of Business Administration in Marketing Management and has earned the Certificate in Financial Planning at Bowling Green State University.

Mr. Carlton is a member (partner) of Cooley, Hehl, Wohlgamuth & Carlton, PLLC, CPA. He is an active community member, including being a Board Member to the Monroe County Historical Society, the City of Monroe Downtown Development Authority and as Treasurer for the Mercy Memorial Hospital Foundation.

Mr. Huner is General Partner of Thomas M. Huner Builders, a home building company.

Member, Manager, (2005-2008) Harwood Investment Strategies, LLC, a registered investment advisory firm; Vice President, General Manager (2004-2005) Ed Harwood Buick-Pontiac, Inc., an automotive retailer