Pub. 5 2016 Issue 1

13 s p r i n g | 2016 Your Bank. Our Experience. Better Together. SEK&Co has been serving independent community financial institutions for over 50 years. We provide every client with a team of dedicated and experienced professionals who deliver a full range of audit, tax, and consulting services. 717.263.3910 • 888.272.7351 SEK.com Top L-R: Gary D. Snyder, CPA gsnyder@sek.com Scot E. Orndorff, CPA sorndorff@sek.com Scott N. Drake, CPA sdrake@sek.com Bottom L-R: Luke C. Martin, CPA lcmartin@sek.com DoriAnn F. Hoffman, CPA dhoffman@sek.com Smith Elliott Kearns & Company, LLC CERTIFIED PUBLIC ACCOUNTANTS & CONSULTANTS Insight. Integrity. Results. TM 05-4002©2015NorthwesternMutual is themarketingname forTheNorthwesternMutualLife InsuranceCompany (NM),Milwaukee,WI (lifeanddisability insurance,annuities,and life insurance with long-termcarebenefits)and itssubsidiaries. NorthwesternMutual InvestmentServices,LLC (NMIS) (securities),asubsidiaryofNM,broker-dealer, registered investmentadviser,andmemberof FINRAandSIPC.RobertCameronBye, InsuranceAgent(s)ofNM.RobertCameronBye,Registered Representative(s)ofNMIS. BOB BYE, YOUR VIRGINIA BOLI EXPERT Bob Bye has developed numerous Executive Benefit Programs funded with BOLI with Virginia and Midwestern Banks. For more information or to schedule a meeting, call 540-777-5025. Robert Bye CLU®, ChFC®, CEBS, AEP® Senior Financial Representative (540) 777-5025 bob-bye.com Learn more about online certifications at www.protectmybank.com/SBSInstitute