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For over 125 years, Farmers & Merchants State Bank has proudly operated as an independent community bank, serving the residents of Waterloo, Marshall, and the recently added Lake Mills, WI. In addition to our in-house financial services, we offer a complete range of full-service, mortgage, and internet banking options. Since our establishment in 1897, we have played a vital role in our communities and remain dedicated to their prosperity. Our team is always ready to offer guidance and support, as we consider ourselves your lifelong financial partner. Our objective is to deliver comprehensive financial services and be your trusted partner for life.
It is the mission of Veterans Legal Services to help Massachusetts veterans overcome adversity by providing free civil legal aid that honors their service, promotes well-being, and responds to their distinctive needs. Veterans Legal Services (VLS) is a 501(c)3 non-profit organization and is the leader in providing free legal advice and representation to homeless and low-income veterans in the Greater Boston area and serves over 500 veterans cases per year at its legal clinics. By locating legal clinics at homeless shelters and service centers, VLS reaches members of our society who are often reluctant to seek legal help and is able to partner with shelter staff to provide holistic support. During its legal clinics, VLS staff attorneys supervise volunteer law students who perform client intakes. After determining eligibility and performing due diligence, VLS offers the veteran either on-the-spot advice, brief service such as helping with pleadings, or full legal representation, up to and including representing the veteran in court or in front of state/federal agencies. VLS is the only legal aid organization in Massachusetts whose mission is to serve veterans. VLS prioritizes veterans where legal representation may yield a life-changing result that restores a veterans self-sufficiency and dignity. We prioritize cases for the disabled, victims of domestic violence, and cases where there is a significant disparity in resources or the opposing party has representation. Veterans Legal Services serves over 500 veterans cases per year at its legal clinics. Previously known as Shelter Legal Services, in late 2013 we began doing business as Veterans Legal Services to better reflect our mission of serving those who serve our country.
Intact Public Entities is a leader in providing specialized insurance programs, including risk management and claims services to municipal, public administration and community service organizations across Canada. Proven industry knowledge, gained through over nine decades of partnering with insurance companies and independent brokers, gives Intact Public Entities the ability to effectively manage the necessary risk, advisory and claims services for both standard and complex issues. Our history dates back to 1927 with our first municipal client - the Village of Ayr, Ontario. From then, other municipalities came calling and the company established the strong foundation and sterling reputation that continues today. Interestingly, our product offering was expanded beyond municipal business based on reputation. Other municipal-related organizations started to be asked to be placed with us because of our knowledge in the specialty insurance space. The trend continued and it became common for the municipality, hospital, Childrens Aid Society and conservation authority to all be placed wtih Intact Public Entities. Intact Public Entities is a Managing General Agent (MGA) with the authority to write and service business on behalf of strategic partners who share our commitment and dedication to protecting specialized organizations. Because our partners are long-term participants on our program, they understand the nature of fluctuating market conditions and complex claims and are prepared to stay the course. Intact Public Entities is a wholly owned subsidiary of Intact Financial Corporation.
The PAISBOA Health Benefit Trust (HBT) is a consortium of independent schools, colleges, and universities within the state of Pennsylvania. The sole focus of the HBT is to provide high-quality health plans at affordable rates. Members enjoy savings, stability, and innovative programs through scale and collaboration. The PAISBOA HBT is a self-funded entity, organized as a Multiple Employer Welfare Association (MEWA). While the HBT was established by and exists for the benefit of its member institutions, it is governed by a dedicated Board of Trustees who are elected by the members to ensure that the needs of all of the enrolled participants are represented.
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