CONSULTING SERVICES

Mission:

To provide Boards of Directors and Management with an independent appraisal of the institution and operating controls, the soundness of its credits, the accuracy of documentation, the proper application of accounting, compliance with state and federal banking regulations, and adequacy of the Information System.

To determine the degree to which policies and procedures established by Management are being adhered.

To review internal control structures and provide Management assurance that assets are safeguarded against loss from unauthorized use or disposition, and that transactions are executed in accordance with Management's authorization.

To provide support and assitance to the institution for the mutual benefit of Management, staff and ultimately, the customer.

General Scope:

The Markland Group offers a variety of programs and services that can be selected and tailored to meet the needs of our clients. Some of our programs are listed below:

• Consumer Compliance Examination (Operations and Loans)

• Branch Audit Program

• Full Bank Secrecy Act Examination/USA Patriot Act/OFAC

• Note Department - Systems and Compliance

• IS Management/Electronic Data Processing Examination

• Internet Banking Review

• Central Operations Review

• Administration/Finance
• Payroll/Human Resources

• Retail Nondeposit Investment Products

• Community Reinvestment Act (CRA)
• Gramm-Leach-Bliley Act (GLBA) (Consumer Privacy & Information Security)
• Interest Rate Risk
• ACH
• Risk Assessment
• Investments/Securities
• Sarbanes-Oxley 404

• Staff Training in Internal Controls and Compliance

• Policies and Procedures Manuals

• Miscellaneous Support Services

We recommend a program in which examinations and reviews are ongoing, but any section may be chosen on an individual and contractual basis.

For a more detailed description of each examination program, please register your name and institution by completing the registration form below. After registering, we would be happy to provide you access to the privileged information section of our web site.