CMS Case Study

Deposits360°® Cloyd Bank & Trust March 4, 2022

Confidential Page 6 of 6

Why Choose Darling Consulting Group?

Qualifications, Philosophy and Unique Value Proposition Darling Consulting Group (DCG) is an independent Asset/Liability Management (ALM) solutions provider who has been successfully providing education, consulting and other ALM-related services to the banking industry since 1990, and software related solutions since the early 1980s as Darling & Associates. DCG was founded on the strong belief that risk modeling and data analytics was not an end unto itself, and that the value of analysis resides in the ability to provide confidence in its accuracy, create clarity of understanding for management and the Board, and most importantly to drive the development and implementation of appropriate risk management and earnings enhancing strategies for financial institutions. In our more than 35 years of service to the industry, we have provided effective ALM solutions to more than 2,000 financial institutions across the U.S. and abroad. These institutions range in asset size from $20 million to $200 billion, and span all charters and regulatory agencies. Whether our clients’ needs are focused on driving effective balance sheet strategy, strengthening their internal ALM process, obtaining model and/or risk management process validations, or educating management/Board, DCG has the experience, resources and commitment to help each and every one of them succeed. Since the five-person company was founded, DCG has grown to over 110 professionals, with a common goal of actively assisting our clients with a comprehensive and tailored set of balance sheet management services and solutions. Professionals who will be working directly with your Bank have valuable banking and ALM experience. Our employee base is a very diverse group of highly intelligent, hardworking individuals that, together, constitute the most qualified team of ALM experts you will find. DCG also invests significant resources in developing and maintaining key technologies in support of its balance sheet risk modeling and strategy development activities, model validation projects and its suite of analytical tools. Our technologies are developed and maintained here at DCG, allowing us to customize the best process, have complete say over the final product and continue to develop and adapt to the changing marketplace with input from some of the industry’s top minds. Most importantly, our client relationships are very much “partnerships” in nature. This combined with DCG’s continued commitment to setting new standards for “best practices” for all elements of balance sheet management are why our client partnerships have lengthy tenors, in many cases for decades.

DCG  260 Merrimac Street  Newburyport, MA 01950  978.463.0400  Fax: 978.465.6033  darlingconsulting.com