<p style="font-family: Arial; font-size: 10pt;">Kevin R. Allard was named the superintendent of the Division of Financial Institutions in March 2017. Prior to being named Superintendent, Allard served as the Division's Deputy Superintendent for Banks and Savings Institutions since February 2011. He is presently part of the State Liaison Committee representation on the Federal Financial Institutions Examination Council Task Force on Supervision. Allard is a past Chairman and trustee for the Institute for Supervisory Education, and he earned his Bachelor of Science in Accounting from the University of Akron in May 1985.</p> <p style="font-family: Arial; font-size: 10pt;">Previously, Kevin was the Chief Examiner for the Banks and Savings Institutions section of the Division, and he has been involved in the supervision and regulation of state-chartered banks and savings institutions for more than 30 years. Allard began his career with the former Division of Savings and Loan Associations in 1986 as a field examiner headquartered in Cleveland and became Chief Examiner in 1990. In 1999, Kevin graduated from the Ohio Bankers League, Bank Leadership Institute.</p> <p style="font-family: Arial; font-size: 10pt;">He is presently part of the State Liaison Committee representation on the Federal Financial Institutions Examination Council Task Force on Supervision. Allard is a past Chairman and trustee for the Institute for Supervisory Education, and he earned his Bachelor of Science in Accounting from the University of Akron in May 1985.</p>

<div><span style="font-family:'Arial';font-size:10.00pt;">Colonel Athens is the Director of the U.S. Naval Academy&#39;s Vice Admiral James B. Stockdale Center for Ethical Leadership and a member of the Academy&#39;s Senior Leadership Team. Colonel Athens retired from the Marine Corps in July 2008 with over 30 years of combined active duty and reserve service. As a Marine Officer, he commanded units in the 3</span>^{<span style="font-family:'Arial';font-size:10.00pt;">rd</span>}<span style="font-family:'Arial';font-size:10.00pt;"> and 4</span>^{<span style="font-family:'Arial';font-size:10.00pt;">th</span>}<span style="font-family:'Arial';font-size:10.00pt;"> Marine Aircraft Wings, served with the U.S. Space Command and instructed at Marine Aviation Weapons and Tactics Squadron 1, the Marine Corps&#39; equivalent of the Navy&#39;s Top Gun School. &nbsp;Additionally, he was a White House Fellow under President Ronald Reagan; the Special Assistant to the NASA Administrator following the Space Shuttle Challenger accident; the Executive Director of OCF, a worldwide non-profit organization helping military personnel integrate their faith and profession; the Commandant of the United States Merchant Marine Academy; and the Naval Academy&#39;s first Distinguished Military Professor of Leadership. &nbsp;</span></div> <div><span style="font-family:'Times New Roman';font-size:12.00pt;"></span></div>

<div class="Normal"><span style="font-family:'Arial';font-size:10.00pt;">Eric Cook has been a part of the WSI network since 2007. He made the jump to a new career after spending 15 years in the banking industry. During his time as a banker he enjoyed working on strategic technology initiatives and thinking &#8220;outside of the box&#8221;. The ways consumers search, validate and select a service partner today has shifted. The power is now in the hands of the customer, not in your business and unless you understand what this means, you&#8217;re at risk of quickly becoming obsolete. Eric speaks about connecting the dots between &#8220;what&#8217;s possible&#8221; and &#8220;what makes good business sense&#8221; and has had the opportunity to speak across the country. With over 15 years of real-world business experience as a community banker, Eric&#8217;s approach is based on solid business strategy, and his speaking engagement-style challenges the audience to get comfortable with thinking outside the box, but with a bit of humor tossed in for good measure. Eric has been a National Speakers Association Member since 2011 and spends a bit of time &#8220;on the road&#8221; presenting at events in from coast to coast.</span></div> <div class="Normal"><span style="font-family:'Arial';font-size:10.00pt;">Eric is committed to the &#8220;art&#8221; of public speaking. He speaks on a variety of topics, including online strategies ranging from Social Media, Digital Strategy, Mobile Marketing, Search Engine Optimization, Lead Generation and Conversion, and Blogging.</span></div> <div><span style="font-family:'Times New Roman';font-size:12.00pt;"></span></div>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;"><span style="font-size:10.00pt;">Jim Crotty is a Director in the Financial Institutions Investment Banking Group at KBW, where he works on various advisory and financing endeavors in the community bank space with a primary focus on mergers and acquisitions, capital raising, divestitures and other strategic initiatives. &nbsp;He earned his Bachelor of Science from Miami University. </span> &nbsp;</span></div> <div><span style="font-size:10.00pt;">&nbsp; &nbsp;</span> </div> <div><b><span style="font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></span></b><span style="font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;">. </span></span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;">&nbsp;</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span> &nbsp; &nbsp;</div>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;"><span style="font-family:'Arial';font-size:10.00pt;"><span style="font-family:'Arial';font-size:10.00pt;"><span style="font-size:10.00pt;">Harold is a Managing Director in Keefe, Bruyette &amp; Wood&#39;s Chicago office. Harold has led many financial institutions in their stock offerings, primarily in the Midwest and southern states. Additionally, he has managed both the buy and sell sides of many merger and acquisition transactions of financial institutions, provided financial consulting services to clients in conjunction with their capital management strategies, and provided advice to assist in reaching their financial objectives. Harold is a registered representative and a Certified Public Accountant. He earned his Bachelor of Business Administration degree from The University of Toledo in 1975 and obtained his CPA license in 1976.</span> </span></span></span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">&nbsp; </span> &nbsp;</div> <div><b><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></b> &nbsp;</div> <div>&nbsp;</div> <div><span style="font-family:'Calibri';font-size:11.00pt;">&nbsp;</span> &nbsp; &nbsp; </div>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Named one of the nation&#39;s top 100 most trusted business leaders by Trust Magazine, Jack Hubbard has shared his passion for what it takes to build trust-based sales initiatives for more than four decades. He has helped build Performance Cultures from Maine to Florida, Texas to California and all points in between. With more than 68,000 bankers personally trained and coached, Hubbard is one of America&#39;s most sought after facilitators. An author, lecturer and classroom instructor, Hubbard&#39;s expertise and out-of-the-box thinking put him in great demand when the subject matter is sales and sales management in business and commercial banking. In 2017 Hubbard returns for his 32nd year as an award-winning faculty member of ABA&#39;s School of Bank Marketing and Management and his 17th year as an instructor for ABA&#39;s Stonier Graduate School of Banking. He is a popular teacher at Graduate School of Banking in Madison, WI and Southwest Graduate School of Banking, as well as the North Carolina School of Banking, the Perry School of Banking at Michigan State University and the Pennsylvania Bankers Association Commercial Banking School. Jack is Sales Editorial Advisor on the ABA Bank Marketing and Sales Magazine. His content can be seen in: RAIN Today, The American Banker, The Financial Brand, ABA Bank Marketing and Sales Journal, and RMA Journal. Hubbard is co-author of the bestselling book, Conversations with Prospects, which has become the standard for bank acquisition strategies. </span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;">&nbsp;</span></div> <div><span style="color:black;font-family:'Arial';font-size:12.00pt;"></span></div>

<div class="Normal"><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></div><p class="BasicParagraph"><span lang="EN-GB" style="font-size:10.0pt;line-height: 120%;font-family:&quot;Arial&quot;,sans-serif;mso-ansi-language:EN-GB">AmyK Hutchens is all about personal </span><span lang="EN-GB" style="font-size:10.0pt;line-height: 120%;font-family:&quot;Arial&quot;,sans-serif;color:windowtext;mso-ansi-language:EN-GB">and</span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; mso-ansi-language:EN-GB"> professional growth </span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; color:windowtext;mso-ansi-language:EN-GB">– o</span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; mso-ansi-language:EN-GB">ne conversation at a time. </span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; color:windowtext;mso-ansi-language:EN-GB">AmyK i</span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; mso-ansi-language:EN-GB">s an international award-winning speaker, the Amazon #1 bestselling author of the books, <i>GET IT: Five Steps to the Sex, Salary and Success You Want</i> and <i>The Secrets Leaders Keep </i>and is the founder of the global community<i> shegetsit.com</i>. AmyK has over </span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; color:windowtext;mso-ansi-language:EN-GB">20</span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; mso-ansi-language:EN-GB"> years</span><span lang="EN-GB" style="font-size:10.0pt; line-height:120%;font-family:&quot;Arial&quot;,sans-serif;color:windowtext;mso-ansi-language: EN-GB"> of </span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%; font-family:&quot;Arial&quot;,sans-serif;mso-ansi-language:EN-GB">experience training </span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; color:windowtext;mso-ansi-language:EN-GB">and</span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; mso-ansi-language:EN-GB"> consulting with clients such as The Home Depot, Starbucks Canada, Comerica Bank, Expedia, Lockheed Martin, Securian Financial, Walmart, John Paul Mitchell Systems, Bank of America and hundreds more.&nbsp; AmyK travels the globe</span><span lang="EN-GB" style="font-size:10.0pt; line-height:120%;font-family:&quot;Arial&quot;,sans-serif;color:windowtext;mso-ansi-language: EN-GB"> </span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%; font-family:&quot;Arial&quot;,sans-serif;mso-ansi-language:EN-GB">sharing with executives, influencers and go-getters <i>HOW</i> to confidently </span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; color:windowtext;mso-ansi-language:EN-GB">and</span><span lang="EN-GB" style="font-size:10.0pt;line-height:120%;font-family:&quot;Arial&quot;,sans-serif; mso-ansi-language:EN-GB"> competently navigate their toughest conversations. AmyK received her M.S. from Johns Hopkins University, and has been seen, heard or read on Bloomberg, NBC, ABC, USA Today, Entrepreneur, and U.S. News &amp; World Report.&nbsp;She resides in San Diego, California.<o:p></o:p></span></p> <p>&nbsp;</p>

<div><span style="color:#333333;font-family:'Arial';font-size:10.00pt;">Brian James has been an Associate Deputy Comptroller for the Central District of the Office of the Comptroller of the Currency since October 2016. In this role he provides district oversight for the OCC field offices that supervise banks in Michigan, Ohio, Kentucky, Minnesota and North Dakota. He joined the OCC in 1990 as an Assistant National Bank Examiner in the Des Moines field office. Since then, he has served as a National Bank Examiner in the Sioux Falls and Champaign field offices, ADC Analyst in Kansas City field office, and commercial credit examiner with our large bank resident staff in New York. Prior to his ADC position in Chicago, he served as Assistant Deputy Comptroller for the Milwaukee/Iron Mountain field office. Brian graduated from University of Nebraska at Kearney with a Bachelor of Science degree in accounting, economics and finance.</span></div>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Ken Johnson marks his 45th year in the financial services industry in 2017. Ken does strategic planning facilitation, bank management and performance improvement reviews, bank director and executive management education programs, bank-peer group analysis, management succession planning, director continuity planning, and governance reviews with banks of all sizes throughout the United States. Bank regulatory authorities approve him as an outside resource to assist troubled banks. He is a faculty member of several Graduate School of Banking programs, as well as several banking school programs sponsored by state banking associations. Ken was one of the founding faculty members of the Academy of Professional Banking (formerly the Professional Master of Banking Program), sponsored by GSB-LSU, and the Independent Community Bankers of America. Ken has been a featured speaker/session facilitator at the Sheshunoff Affiliation Program and The Bank CEO Network Program. He is also author of more than 65 published articles on banking related topics. Ken was with Alex Sheshunoff Management Services for nearly 10 years. Most recently he is serving as the Managing Director of the High Performance Peer Group Affiliation Program. During his tenure with Sheshunoff, he also played an active role as a senior banking consultant for the company. Before joining Sheshunoff, he was with a large Texas bank holding company for over 21 years; most recently serving as Manager of the Correspondent Banking Southwest Region. Prior to managing Correspondent Banking, he held management positions in Commercial Lending, Cash Management Services, Bank Operations, and Technology Services. Ken earned his BBA from the University of Texas at Austin and is a graduate of the Graduate School of Banking at LSU.</span></div> <div><span style="font-family:'Calibri';font-size:10.00pt;">&nbsp;</span></div> <div><span style="color:black;font-family:'Calibri';font-size:10.00pt;"></span></div>

<div><span style="color:#333333;font-family:'Arial';font-size:10.00pt;">Anthony Lowe began his career with the Corporation as an Assistant Examiner in Shreveport, Louisiana in 1985. During his career, he has served as a Case Manager, BSA Subject Matter Expert, Fraud Specialist, Assistant Regional Director, and Deputy Regional Director. ln September 2008, Anthony was appointed to his current position as Regional Director for the FDIC&#8217;s Chicago Region, with supervisory responsibility for all of the Corporation&#8217;s Risk Management and Compliance activities for the states of Kentucky, Illinois, Indiana, Michigan, Ohio, and Wisconsin. Anthony previously served as Chairman of the Corporation&#8217;s Course Oversight Group, which develops and maintains training curriculum for examination staff, and also served an extended assignment working on a project related to the Economic Growth and Regulatory Paperwork Reduction Act (EGRPRA). &nbsp;Anthony also headed a Regional task force which provided supervisory oversight for financial institutions impacted by the 2005 Gulf Coast hurricanes. Anthony also led a major corporate initiative relative to identifying strategies for improving the Corporation&#8217;s oversight and technical assistance programs for minority depository institutions. Anthony also has made numerous presentations, on financial related issues, to large and small groups of bankers and regulators, including presentations, regarding problem bank and contingency planning issues, to international groups of senior level bankers and supervisors in Europe and Asia. Anthony is a native of Arkansas and graduated from Arkansas State University with a degree in Finance. He also graduated, with honors, from the Graduate School of Banking of the South at LSU in 1997, and attended the African-American Leadership Institute at UCLA in 2005. &nbsp;</span></div>

<div><span style="font-family:'Arial';font-size:10.00pt;">Nadine Wallman has been promoted to group vice president in Supervision, Credit Risk, and Statistics with continued responsibility for leading supervisory programs at Fourth District regional and community banking organizations, as well as in the applications function focused on bank acquisitions and expansions. Wallman joined the Cleveland Fed&#8217;s Supervision and Regulation Department in 1995 as a bank examiner. In addition to her responsibilities as group vice president, she serves in a number of leadership roles including as the co-lead of the Federal Reserve System&#8217;s supervision and regulation cyber program group. She earned a BS in business administration from John Carroll University and an MBA with a concentration in finance from Duquesne University.</span></div> <div><span style="color:black;font-family:'Arial';font-size:11.00pt;"></span></div>