Pub. 5 2014 Issue 2

summer 2014 7 West Virginia Banker Ryan Environmental has been serving West Virginia banks for more than 20 years, helping them mitigate risk and protect their real estate portfolios. We specialize in • Phase 1 and Phase 2 environmental assessments • Remediation and clean-up of tainted properties • Certified asbestos inspections and abatement • Certified underground and above ground storage tank removal and installation Call Al Anderson or Hunter Reed at 304-842-5578 for a sample report and/or pricing schedule. For a complete list of our services, visit www.ryanenv.com. Convert Fixed Rate Loans to Floating — Using Our Balance Sheet CenterState’s Assumable Rate Conversion (ARC) Program allows your bank to utilize our expertise and balance sheet in order to offer long-term fixed rate loans to your customer while your bank enjoys a floating rate – all without hedge accounting and hedge management. How is that for an idea? 120 Club Oaks Court, Suite 150 Winston-Salem, North Carolina 27104 336.659.7100 877.604.8282 www. csbcor respondent . com