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American 1 Credit Union

Mission Statement The mission of American 1 Credit Union is to create financial wellness in our communities through personal everyday banking. From our beginning in 1950 to where we are today, serving over 62,000 people in five Michigan counties, American 1 Credit Union has been committed to providing excellent, low-cost everyday banking for our members. For more information on who we are, please visit - https://www.american1cu.org/about-us/who-we-are All loans are subject to approval. American 1 Disclosures - http://a1cu.us/Disclosures American 1 Privacy Policy - http://a1cu.us/Privacy-Policy This credit union is federally insured by the National Credit Union Administration. Equal Housing Opportunity. USA Patriot Act: Member Identification Requirements In accordance with Section 326 of the USA Patriot Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address, and other identifying information. In some cases, identification will be requested for current members if original documentation was not obtained with the opening of the account. In all cases, protection of our members identity and confidentiality is our pledge to you. We proudly support all efforts to protect and maintain the security of our members and our country.

MS Transverse Insurance Group

MS Transverse Insurance Group is a property and casualty program carrier based in Princeton, New Jersey. As a subsidiary of Mitsui Sumitomo Insurance Group and part of MS&AD Insurance Group Holdings, it operates as a hybrid fronting carrier. Founded in 2018, the company specializes in program administration, reinsurance partnerships, and alternative capital solutions, serving as a link between reinsurers, program administrators, and Managing General Agents (MGAs). The company offers a range of services, including program administration for niche risks, reinsurance solutions with over 100 reinsurer relationships, flexible risk retention structures, and fronting services that ensure regulatory compliance and claims management. MS Transverse is recognized for its strong financial standing, holding an A (Excellent) rating from A.M. Best, and has been named Fronting Carrier of the Year in 2022 and 2024. With offices in New York, New Jersey, and Texas, it ranks among the top 10 U.S. fronting carriers by direct premiums written.

Flokk

Flokk is a prominent European manufacturer of workplace furniture, known for its commitment to sustainable and ergonomic design. Established in 2017, the company brings together nine heritage brands, each with a rich history, to promote user well-being and environmental responsibility. Flokk emphasizes innovation in seating solutions and has a strong presence across Europe, Asia, and the US. The company specializes in ergonomic office chairs, height-adjustable desks, meeting tables, and workspace accessories. Flokk prioritizes circular design principles, utilizing recycled materials and ensuring that its products are repairable and recyclable. With a focus on reducing carbon emissions through localized production, Flokk aims for climate-positive operations while supporting physical health through its furniture designs. Headquartered in Norway, Flokk operates production facilities in Switzerland, Poland, Norway, and the US, serving a diverse customer base that includes corporate offices, co-working spaces, and public sector organizations.