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2203 ANNUAL REPORTTABLE OF CONTENTS Our Vision, Mission Statement, & Core Values ......... 3 .

Republic ofChuck hubscherNeilm mcdonnellJae evansDave manessSarahr oppermanJeromee schwindJaea evansRick barzCentral michigan universityA communityJerome as bankMission statementIsabella bankIsabella bank corporationCore values