Timothy G. Blazejewski

Republic Bancorp, Inc. (Michigan) provides banking services. The company's operations were managed as three major business segments: commercial, retail and mortgage banking. Its commercial banking segment consists of commercial lending to small and medium-sized companies in the form of commercial real estate and small business administration loans. The company's retail banking segment consists of home equity lending, other consumer lending and the deposit-gathering functions. It mortgage banking segment was comprised of mortgage loan production. Mortgage loan production is conducted in all offices of Republic Bank. Republic Bancorp was founded in 1985 and it was headquartered in Ann Arbor, MI.

Citizens First Bancorp, Inc. operates as a bank holding company for Citizens First Savings Bank. The company offers a broad range of personal, business, commercial, mortgage, asset management, trust and investment products and services. It is intending to winding down the affairs of the company. The company was founded in October 2000 and is headquartered in Port Huron, MI.

HomeBanc Corp. is a residential mortgage lender that originates loans through a retail network of stores and strategic marketing alliances, and hold a leveraged portfolio of prime mortgage loans. The company and its predecessors have been in the residential mortgage loan origination business for over 20 years. The company consider prime loans to be loans that satisfy prescribed investment criteria, namely loan product type, credit scores and loan-to-value ratios