Paul J. Ritter

Southern Jersey Bancorp of Delaware, Inc., is a bank holding company which operates through its subsidiaries The Farmers and Merchants National Bank and AMFDCM Inc. The bank provides traditional services that are standard to the commercial banking industry and maintains a trust department that provides traditional fiduciary and agency services. The bank operates in the counties of Cumberland, Gloucester and Salem in Southern New Jersey through the branch offices situated in Bridgeton, New Jersey. The company has incurred $1.8 million for the year 2000 expenses till date. Interest & fees on loans accounted for 67% of 1998 revenues; other interest income, 24% and non-interest income, 9%.

Colonial Bankshares, Inc. provides banking products and services. It operates as the holding company for Colonial Bank FSB, which provides various banking products and services primarily in Cumberland and Gloucester Counties, New Jersey. The company offers deposit accounts, which include demand accounts, certificates of deposit, savings accounts, NOW accounts, checking accounts, money market deposit accounts, club accounts, and individual retirement accounts; and commercial checking accounts for businesses. It was founded in 1913 and is headquartered in Vineland, NJ.

The Cumberland Insurance Group operates as an insurance firm. It offers identity theft resolution services, and commercial and personal insurance. The company was founded in 1844 and is headquartered in Bridgeton, NJ.

Colonial Bank, FSB (Vineland, New Jersey) is a company based in Vineland, NJ.

Colonial Financial Services, Inc. operates as a bank holding company for Colonial Bank FSB. The company, through its subsidiary provides personal banking, which includes checking, savings, online banking, loans, mortgage loans, bank cards and visa platinum card and business banking, which include checking, loans, bank cards and merchant processing. It also offers a variety of deposit accounts, including demand accounts, NOW accounts, money market accounts, savings accounts and certificates of deposit. Colonial Financial Services was founded in March 2010 and is headquartered in Vineland, NJ.

Cumberland Mutual Fire Insurance Co. (Investment Portfolio) (Cumberland Mutual-IP) is the investment portfolio division of Cumberland Mutual Fire Insurance Co., an insurance company headquartered in Bridgeton, New Jersey. The firm is a subsidiary of The Cumberland Insurance Group. Cumberland Mutual-IP manages the insurance company portfolio.