<div><span style="font-family:'Arial';font-size:10.00pt;">23 years as a bank investment advisor, 6 years with the Federal Reserve as a capital markets specialist, 7 years as a govt. economist. BA and MM degrees from Northwestern University.</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></div>

<div><span style="font-family:'Arial';font-size:10.00pt;">Mr. Michael Blanchard is the CEO of Blanchard Consulting Group. He has extensive experience in the human resources field and has conducted or supported over 500 compensation planning, market research, and organizational development projects over the past twenty-five years, with over nineteen years specific to the banking industry. &nbsp;<br/><br/>Mike has presented to various national and state banking associations including the American Bankers Association, the Bank Director Annual Compensation Conference, and the Western Independent Bankers association on a variety of compensation and board governance topics. &nbsp;<br/><br/>With a masters degree in advanced industrial and organizational psychology, Mr. Blanchard&#39;s experience includes advising clients on assessing total compensation, incentive planning, and performance appraisals.</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span> </div>

<div><span style="font-size:10.00pt;"><span style="font-family:'Arial';font-size:10.00pt;">Flynt Gallagher - President, Compensation Advisors <br/><br/>Flynt leads Compensation Advisors &nbsp;in its mission of assisting clients in attracting, motivating and retaining personnel critical to achieving success. &nbsp;He combines extensive knowledge of accounting and income tax matters related to community banks with years of compensation experience within the financial services industry. </span></div> <div><span style="font-size:10.00pt;">&nbsp;</span></div> <div><span style="font-size:10.00pt;">He is a frequent speaker at SNL and Bank Director Magazine conferences as well as numerous state banking association events.</span></span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span> </div>

<p style="text-align:center;"><span style="font-size:14.0pt;"><u><o:p><span style="text-decoration:none;"> </span></o:p></u></span></p><p style="text-align:justify;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Alan J. Kaplan is the Founder and CEO of Kaplan Partners, a retained executive search and board advisory firm headquartered in Philadelphia.<span>&nbsp; </span>Since the firm’s founding in 1994, Kaplan Partners has provided Boards and CEOs with advice on the dynamics of CEO and Board succession, and assistance with the identification, assessment and selection of new CEOs, Directors and senior executives. The firm’s Board Advisory Services assist clients with Director Succession, Performance and Recruitment.<span>&nbsp; </span>Kaplan Partners also conducts Executive Assessments of leadership teams to enhance succession planning and professional development efforts.<span>&nbsp;</span></span></p><p style="text-align:justify;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Alan is a leader in talent management and leadership succession across both the banking and financial services sectors.<span>&nbsp; </span>He has over thirty-five years of talent assessment, succession management and executive search experience, and has successfully led over 100 CEO/Succession projects.<span>&nbsp; </span>He is certified in the use of both the Hogan© and Predictive Index© assessment tools.<span>&nbsp;</span></span></p><p style="text-align:justify;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Alan serves on the Board of Advisors of the Fischer-Shain Center for Financial Services at Temple University’s Fox School of Business.<span>&nbsp; </span>He is a longstanding board member of both the Greater Philadelphia Chamber of Commerce and the Philadelphia Chapter of the National Association of Corporate Directors (NACD).</span></p><p style="text-align:justify;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Alan holds an undergraduate degree in Economics from Penn State and an MBA in Finance from Temple University. He is an NACD <i>Certified Director</i> and <i>Board Leadership Fellow</i>, and was the recipient of the 2022 AESC Award of Excellence for his contributions to the executive search industry.</span></p>

<p class="MsoNormal"><span style="color:black;font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="mso-ligatures:none;">Using his more than 45 years of banking experience, Tom is a retail banking expert with a track record of solving problems and achieving measurable objectives.&nbsp; He is successful at integrating seemingly disparate functions and personalities through collaboration and consensus building across a variety of professional disciplines.&nbsp; His expertise in electronic banking, payment systems, debit and credit cards, product development, customer experience, marketing, and conversions makes&nbsp;him an asset to many projects with financial institutions.<o:p></o:p></span></span></p><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">&nbsp;</span></div><div>&nbsp;</div>

<div><b><span style="color:#7030A0;font-family:'Calibri';font-size:10.00pt;"></b></span><span style="font-family:'Arial';font-size:10.00pt;">Brian is a member of BKD National Financial Services Group, providing audit and consulting services to financial institutions ranging in size from $30 million to $8 billion in assets and leads the financial services practice for the firm in Ohio.</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">&nbsp;</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">He has more than 18 years of external and internal audit experience, including experience in asset and liability management consulting, credit quality assurances and loan and lease loss allowance analyses. In addition, he has assisted clients with financial due diligence and other services encountered through acquisitions, stock-based compensation plans, capital planning, risk management and internal control design. He also has experience with SEC reporting requirements, including integrated audits under Sarbanes-Oxley Act Section 404, periodic 10-K and 10-Q filings and initial public offerings.</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">&nbsp;</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">He is a frequent speaker for industry related matters and contributes to various firm publications and BKD Thoughtware articles. His articles also have been published in BankNews, Colorado Real Estate Journal, Kentucky Banker, The Independent Report, The Wyoming Banker Newsletter and Western Banker.</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">&nbsp;</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">Brian is a board member of the R.C. Durr YMCA of Northern Kentucky and a member of the Northern Kentucky</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">University Accounting Advisory Council.</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">&nbsp;</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">He is a graduate of Murray State University, Kentucky, with a B.S. degree in accounting.</span></div> <div><b><span style="color:black;font-family:'Arial';"></span></b></div>

<p><span style="background-color:rgb(255,255,255);color:rgb(36,36,36);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:&quot;Aptos Narrow&quot;, Calibri, sans-serif, &quot;Mongolian Baiti&quot;, &quot;Microsoft Yi Baiti&quot;, &quot;Javanese Text&quot;, &quot;Yu Gothic&quot;;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:pre-wrap;widows:2;word-spacing:0px;">Sean Payant, Ph.D., Chief Strategy Officer and Sr. EVP leads a team of more than 50 individuals from the consulting, account executive, creative and client services teams. Sean has more than 25 years of experience in the banking industry and has led team development and strategic planning sessions for financial institutions, for profit corporations and not for profit organizations. He has spoken at more than 200 industry banking schools, executive meetings and conferences to include The Bank CEO Network, Sheshunoff Affiliation, Bank Director, The Financial Brand Forum, numerous American Bankers Association (ABA) conferences, ABA Stonier Graduate School of Banking, Pacific Coast Banking School and numerous State Bankers Association and Community Bankers Association banking schools and conferences. He has authored or co-authored many articles for industry publications. Sean holds a Bachelor’s degree from Midland Lutheran College, and Master’s and Doctor of Philosophy degrees from the University of Nebraska-Lincoln.</span></span></p>

<div><span style="font-family:'Arial';font-size:10.00pt;"></span></div> <div><span style="font-family:'Arial';font-size:10.00pt;"><span style="font-family:'Calibri';font-size:11.00pt;"></span> Jack is a Principal of S.R. Snodgrass, P.C., a regional accounting and consulting firm specializing in service to the banking industry. Jack assists banks throughout the United States by formulating successful strategies, improving financial performance, and implementing dynamic enterprise risk management frameworks. &nbsp;<br/><br/>Jack has served on the faculties of Robert Morris University, Bank Administration Institute, and Central Atlantic Advanced School of Banking. &nbsp;Jack is a Certified Public Accountant and earned his bachelor of science degree in accounting from Villanova University. He is a member of the American and Pennsylvania Institutes of Certified Public Accountants. &nbsp;Jack is a nationally known financial expert, author, and sought-after conference speaker.</span></div> <div> </div>

<div><span style="font-family:'Arial';font-size:10.00pt;"><span style="font-size:10.00pt;">John W. Smith - CEO DBSI Inc. Smith | CEO; Led DBSI to be named one of Inc. 5,000 fastest growing companies, ranked Top 5 and Best of the Future by Best Companies, and markets Most Admired Companies; 21 years&#39; experience within retail banking solutions with DBSI, Talaris and De La Rue across the world; Holds numerous technology patents; Led industry research projects specific to banking experience, technology, and transformation initiatives with articles published in Banking Strategies Magazine, Forbes and Independent Banker to name a few; Graduate of the University of Wisconsin - Milwaukee; Has spoken at 35+ industry events. </span></span></div> <div><span style="color:black;font-family:'Calibri';font-size:10.00pt;"></span> &nbsp; </div>

<div>&nbsp;</div> <div>&nbsp;</div> <div><span style="font-family:'Arial';font-size:10.00pt;">Jeff Smith is a partner in the Vorys Columbus office and a member of the corporate practice group. He has more than 30 years of experience in financial institution regulatory and corporate matters, including mergers, acquisitions, divestitures, regulatory compliance, capital raising, securities matters, corporate governance matters, &#8220;troubled institution&#8221; issues and de novo bank and holding company formation. Jeff is a member of the Ohio State Bar Association and former co-chair of the association&#39;s financial institutions subcommittee. He is also a member of the Indiana State Bar Association, the Columbus Bar Association and the Toledo Bar Association. Jeff received his J.D. from the University of Toledo College of Law. He received his B.A. from the University of Toledo.</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">&nbsp;</span></div> <div><span style="color:#1F497D;font-family:'Arial';font-size:11.00pt;">&nbsp;</span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;">&nbsp;</span> &nbsp; &nbsp; </div>

<div><span style="font-family:'Arial';font-size:10.00pt;">Jack Vonder Heide is one of America&#8217;s leading authorities on technology and its impact on American business. He is consistently ranked among the top speakers at industry conventions, management conferences, corporate seminars, board meetings and other events. Prior to founding Technology Briefing Centers, Jack held marketing positions with IBM Corporation and senior management roles in the technology sector. Jack is regularly quoted in the Wall Street Journal and other top-tier newspapers and magazines. In 2015, Money Magazine named him &#8220;one of America&#8217;s leading authorities on technology related risks.&#8221;</span> </div>