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Daniel Reininga: Thank you. Glad to be here. Tim Melvin: Now, lets touch on real quick, you guys are 125 years old and youre a mutual holding company with 60% of the shares owned by the mutual holding company. Now, a lot of folks arent familiar with that particular ownership structure. Could you just kind of explain it real quick? Daniel Reininga: The traditional operating model for Lake Shore Savings up until the year 2006 was as a mutual bank, fully owned by the depositors. In 2005, we determined that we had an opportunity to expand our footprint to the Erie County marketplace in western New York. In order to take advantage of the opportunity, we needed capital to grow the balance sheet and generate business or market share. As a result, we completed a first step transaction to raise capital by converting to the mutual holding company structure. Under a mutual holding company structure, the mid-tier holding company, Lake Shore Bancorp, Inc. owns 100% of the stock of Lake Shore Savings Bank.
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Where were we? China! Right. All Im saying is I know Im just a baby but how old would you have to be to understand China isnt sitting around like, Oh, hey, you guys, lets devalue our currency, the United States isnt looking good right now! Ugh. When someone is that clueless about economics and international trade, what is there to do but turn red and start screaming? It was at this point he actually said he wanted you to leave? Needless to say, the tenor of our experience changed. All the people who were smiling at us before and giving my mom understanding looks started, well, kind of growling at us. You know, their expressions kind of reminded me of my stuffed wolf , Randy! vocationThis one guy was like, Why dont you go breastfeed at a Hillary Clinton rally? and my mother was like, Im not breastfeeding, Im just holding a baby! and the guy was like, Same difference! Are things better for you at home than they are at Trump rallies?
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