<p><span style="font-family:Arial; font-size:10Pt;">Arfan Ali has more than 30 years of experience of diverse cultural atmosphere of different countries including the USA, Japan, Saudi Arabia and Pakistan. He has worked for the State of Ohio and Federal Deposit Insurance Corporation as an Information Technology Examination Analyst and is currently an IT Examiner with the Ohio Division of Financial Institutions. He serves as Examiner-In-Charge and assists state of Ohio chartered banks ranging from less complex IT examination to more-complex IT examination reviews and participates as a team member in regulatory inter-agency examinations. In this role, Arfan performs examinations and inspections of financial institutions and data centers, ensures compliance with applicable laws and regulations, and produces a comprehensive report of findings.</span></p>

<p><span style="font-family:Arial; font-size:10Pt;">Stephen Bish is an innovative and passionate leader of the Schneider Downs cybersecurity team with a background in Digital Forensics and Network Security. With over a decade of frontline experience, Stephen's previous areas of focus have included Network Penetration Testing, Social Engineering and Physical Security Testing. Stephen also spent several years performing emergency Incident Response services, helping clients navigate some of the largest and most complex ransomware cases that local federal authorities have ever seen.&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">Stephen earned an IT Security Forensics degree from PTC and is a Certified Ethical Hacker (CEH).</span><br/>&nbsp;</p>

<p><span style="font-family:Arial; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin; mso-ansi-language:EN-US; mso-fareast-language:EN-US; mso-bidi-language:AR-SA; font-size:10Pt;">Paul Brotcke, CISSP, Network+, CISA, +3 is the lead IT expert for the Central District at the Office of the Comptroller of the Currency. He has been with the OCC for 6 years in a variety of roles. Prior to that, he worked IT and information security in the financial industry for 16 years. &nbsp;</span><span style="font-family:Arial; font-size:10Pt;">&nbsp;</span></p>

<div>Paul Elder is the chief strategy officer for Community Banc Consulting of Ohio, where he has served in a variety of roles for the past 18 years. Paul is the chief writer and creator of all CBC policies and information security program documents and processes. He has audited information security programs for 14 years. Paul is a regular presenter at the OBL Bank Management School, and has provided cyber security instruction to bank executives and board members, as well as presents at cyber security events for client customers. He is a graduate of The Ohio State University and holds the following designations: CISM (Certified Information Security Manager) by ISACA (Information Systems Audit and Control Association®).</div> <div> </div>

<div class="Normal_(Web)"><span style="font-family:'Arial';font-size:10.00pt;"><p style="margin-bottom:9.0pt"><span style="font-family:Arial, sans-serif; color:black; font-size:10Pt;">Trent Fleming serves as a trusted adviser to financial institutions on matters of technology, strategy and management. Trent's presentations consistently get the highest marks from his audiences. He serves on the faculty of the Graduate School of Banking at the University of Wisconsin, The Advanced Banking School at Penn State and the Graduate School of Banking at the University of Florida. He regularly contributes articles to industry publications and publishes the very popular banking newsletter “Trent's Comments.” Trent holds a Bachelor of Science in Economics and Finance from Christian Brothers University.</span><span style="font-size:12.0pt; font-family:&quot;Arial&quot;,sans-serif"><o:p></o:p></span></p> &nbsp;</span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;">&nbsp;</span></div> <div><span style="color:black;font-family:'Times New Roman';font-size:14.00pt;"></span></div>

<div><span style="font-family:'Arial';font-size:10.00pt;"><p class="MsoNormal"><span style="font-size:12.0pt;line-height:107%;mso-ascii-font-family: &quot;Times New Roman&quot;;mso-hansi-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family: &quot;Times New Roman&quot;"><span style="font-size:10Pt;">Katie Gazley is a Principal at GAD Insurance located in Columbus, Ohio.</span><span style="mso-spacerun:yes; font-size:10Pt;">&nbsp; </span><span style="font-size:10Pt;">For 17 years she has focused exclusively on working with Financial Institutions, providing insurance and risk management solutions, including Directors &amp; Officers Liability, Financial Institution Bond, Cyber Liability and Force Placed Insurance among other Property and Casualty offerings.</span><span style="mso-spacerun:yes; font-size:10Pt;">&nbsp;&nbsp; </span><span style="font-size:10Pt;">Being an independent agent is the hallmark to her successful client first approach due to the meaningful relationships she maintains with the leading FI focused underwriters.</span><span style="mso-spacerun:yes; font-size:10Pt;">&nbsp; </span><span style="font-size:10Pt;">Prior to joining GAD in 2008, she started her career in banking at Fifth Third in Cincinnati, Ohio.</span><span style="mso-spacerun:yes; font-size:10Pt;">&nbsp; </span><span style="font-size:10Pt;">She graduated Xavier University in 2005 with a B.S.B.A in Economics, </span><i style="mso-bidi-font-style:normal"><span style="font-size:10Pt;">cum laude.<span style="font-size:12.0pt;line-height:107%;mso-ascii-font-family: &quot;Times New Roman&quot;;mso-hansi-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family: &quot;Times New Roman&quot;"><i style="mso-bidi-font-style:normal"><o:p></o:p></i></span>&nbsp;</span></i></span></p> &nbsp;</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;"></span></div>

<p><span style="font-family:Arial; font-size:10Pt;">Michael Gips, JD, CPP, CSyP, CAE, runs Global Insights in Professional Security, a consultancy that provides security strategy, content, and counsel to corporate security departments, security companies, associations and other organizations. Mike also is a partner in a business that documents and analyzes insider threats, and is a senior advisor at the Network Contagion Research Institute, a nonprofit that studies the role of online disinformation. He also has a podcast, hosted by Inside Access Control, that discusses the intersection of security with big themes such as law, leadership, the media, and politics. Mike has written more than 1,000 articles, reports, white papers, and case studies in his career, and writes a monthly Leadership column for Security magazine. Mike began his security career with ASIS as an editor at Security Management magazine. He eventually became Chief Global Knowledge &amp; Learning Officer and Chief Security Officer.&nbsp;</span></p>

<div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><span style="background-color:rgb(255,255,255);color:hsl(0, 0%, 0%);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:Tahoma, Verdana;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Dan led various technology and software development initiatives before founding infotex in 2000. For 24 years, he and his company has led the bank cybersecurity space, working closely with community banks, utilizing risk management fundamentals to guide them on their use of technology. A sought-after speaker, Dan facilitates cybersecurity and technology conferences, develops content, and writes for trade magazines and</span><span style="-webkit-text-stroke-width:0px;border-width:0px;font-family:Tahoma, Verdana;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:inherit;margin:0px;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;">&nbsp;</span></span><a style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;box-shadow:none;box-sizing:border-box;color:rgb(204, 51, 102);font-family:Tahoma, Verdana;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:14px;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:inherit;margin:0px;orphans:2;padding:0px;text-align:start;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;" href="https://my.infotex.com/category/dans-new-leaf/" target="_blank" data-auth="NotApplicable" rel="noopener noreferrer" data-linkindex="0"><span style="color:hsl(0, 0%, 0%);font-family:Arial, Helvetica, sans-serif;font-size:12px;">his blog</span></a><span style="background-color:rgb(255,255,255);color:hsl(0, 0%, 0%);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:Tahoma, Verdana;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">.</span></span></div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;">&nbsp;</div><p><br>&nbsp;</p>

<p class="MsoNormal"><span style="font-family:Arial; font-size:10Pt;">Buck Johnson has been with COCC for ten years, influencing the architecture and innovation behind COCC’s infrastructure. His work supports many of COCC’s core platforms and middleware services that help deliver the banking experience that our community bank clients enjoy. Throughout his career, Buck has cultivated a clear focus on delivering automation, agility and service redundancy, all while maintaining security within technology.</span>&nbsp;<o:p></o:p></p> <p>&nbsp;</p>

<p><span style="font-family:Arial; font-size:10Pt;">Jeff Klump is President, Principal and Founder of K4 Architecture + Design in Cincinnati. He has more than 35 years of architectural and program management experience, specializing in retail development and financial markets, and leading over 2,500 projects. Prior to starting the K4 Family of Companies, Jeff was the Director of Architecture &amp; Construction for Fifth Third Bank and has assisted them with opening more than 800 prototype branches in 13 states.&nbsp; Jeff is affiliated with the American Institute of Architects and the National Council of Architectural Registration Boards. He earned a Bachelor's degree from the University of Cincinnati. Jeff can be reached at 513-615-5300, email: jklump@k4architecture.com.&nbsp; &nbsp;</span></p>

<p class="MsoNormal"><span style="color: #1F497D; font-size:10Pt;"><span style="font-family: 'Arial'">Bridgette Lott is a senior special agent in the South Caroline Law Enforcement Division with the SC State Police. She has served in law enforcement for 28 years, the majority of which has been spent investigating financial crimes. For the past 14 years she has worked at SLED and is a board member of Skimming &amp; Payment Terminal Attack. She is a graduate of the University of SC with a bachelor’s degree in Criminal Justice</span></span><span style="font-family:Arial; font-size:10Pt;">.</span><o:p></o:p></p> <p>&nbsp;</p>

<div></div> <div><span style="font-family:'Calibri';font-size:11.00pt;"><p class="MsoNormal"><span style="font-size:12.0pt;mso-bidi-font-size:11.0pt; line-height:107%"><span style="font-family:Arial; font-size:10Pt;">Lisa Micciche is an Assistant Vice President for ABA Insurance Services, responsible for D&amp;O, Bond and Cyber product management. She is responsible for establishing cyber underwriting guidelines and keeping up-to-date on cyber claims and insurance trends.&nbsp; She has a variety of experiences in the insurance industry including underwriting, data analytics, project management, and product development.&nbsp; Prior to working in the insurance industry, Lisa worked for Eaton Corporation. &nbsp;She holds a B.S. in Accounting from Purdue University.</span><o:p></o:p></span></p> &nbsp;</span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;"></span></div>

<p class="MsoNormal"><span style="line-height:107%; font-family:Arial; mso-fareast-font-family:'Times New Roman'; mso-bidi-font-family:'Times New Roman'; color: #212121; font-size:10Pt;">Jack Neu is Business Director and a member of the leadership team for K4 Architecture + Design in Cincinnati.&nbsp; Jack leads K4’s Business Development department and is vital to K4’s integrated marketing efforts and client relations.&nbsp; Jack earned both a Bachelor’s and Master’s Degrees from the University of Cincinnati.&nbsp; Jack can be reached at 513-842-5403, email: </span><span style="line-height:107%; font-family:Arial; mso-fareast-font-family:'Times New Roman'; mso-bidi-font-family:'Times New Roman'; color:black; font-size:10Pt;">jneu@k4architecture.com</span><span style="line-height:107%; font-family:Arial; mso-fareast-font-family:'Times New Roman'; mso-bidi-font-family:'Times New Roman'; color: #212121; font-size:10Pt;">.&nbsp;</span><o:p></o:p></p> <p style="font-size:10Pt;"><span style="font-family: 'Arial'">&nbsp;</span></p>

<p class="MsoNormal"><span style="font-family:Arial; font-size:10Pt;">Wendy Posewitz, CISA has 21 years of financial institution examination experience, with the last 6 plus years specializing in IT exams of banks and technology service providers of all sizes and complexities. She previously served as a financial examiner with the FDIC for nearly 11 years, and with the WI DFI for over 9 years. Wendy also has eight years of loan administration experience with a regional bank.</span><o:p></o:p></p> <p>&nbsp;</p>

<p class="MsoNormal"><span style="font-family:Arial; font-size:10Pt;">Larry Pruss, SVP, has nearly 25 years of expertise in payments. His background includes work with the National Bank of Canada, where he served as head of Cards, Payments and Transactional Solutions. He previously served as senior managing director of Credit Cards and Loan Revenue for Profit Insight, and as SVP of Portfolio Analytics for Bank of America.<span style="line-height:115%;"><o:p><span style="font-family: 'Arial'"><span style="font-family:Arial; font-size:10Pt;">Larry has worked with leading financial institutions such as Royal Bank of Canada, Canadian Tire Financial Services (now Scotiabank) and MBNA to develop strategies and plans related to card optimization, revenue enhancement loyalty marketing and portfolio acquisition. He is often quoted in industry publications and regularly publishes articles and white papers related to his areas of expertise.</span><o:p></o:p></span></o:p></span></span></p> <p>&nbsp;</p>

<p style="margin: 0px 0px 10px; font-size: small; padding: 0px; line-height: 15.6px; color: rgb(51, 51, 51); font-family: &quot;Helvetica Neue&quot;, Helvetica, Arial, sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; overflow: auto;">Jim is president of The Rechel Group, Inc., a risk-consulting firm headquartered in Cincinnati, Ohio. He is on the board of The Institute for Criminal Justice Education, Montgomery, Alabama and a member of numerous national organizations, and is a Certified Financial Security Officer. He is a past local board member of the International Association of Financial Crimes Investigators and the American Society of Industrial Security.</p><p style="margin: 0px 0px 10px; font-size: small; padding: 0px; line-height: 15.6px; color: rgb(51, 51, 51); font-family: &quot;Helvetica Neue&quot;, Helvetica, Arial, sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial;">Prior to working for The Rechel Group, Inc, Jim was vice president for Fifth Third Bank headquartered in Cincinnati, where he held positions in various departments, including Retail and Lending, and Security Director and was an Special Agent with the FBI.</p><p style="margin: 0px; font-size: small; padding: 0px; line-height: 15.6px; color: rgb(51, 51, 51); font-family: &quot;Helvetica Neue&quot;, Helvetica, Arial, sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial;">His presentations are both energetic and informative, with practical applications and solutions for business professionals. His work has been highlighted in both local and national publications, including CEO Magazine, Security Director Digest, Cincinnati Enquirer, USA Today, and CNBC.</p><p>&nbsp;</p>

<p><span class="lt-line-clamp__raw-line" style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 14px; vertical-align: baseline; background: rgb(255, 255, 255); outline: 0px; white-space: pre-line; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, &quot;Fira Sans&quot;, Ubuntu, Oxygen, &quot;Oxygen Sans&quot;, Cantarell, &quot;Droid Sans&quot;, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, &quot;Lucida Grande&quot;, Helvetica, Arial, sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><span style="font-family:Arial; font-size:10Pt;">Matt Tolbert is an information security and risk management expert with 20 years experience helping large firms successfully build and improve their cyber security and technology risk management capabilities.</span><span style="font-family:Arial; font-size:10Pt;">Matt's experience has helped establish pragmatic, cost effective strategy, policy and programs for critical infrastructure protection and resilience, for securing key information assets, and for ensuring regulatory compliance. Matt has also helped organizations recover from advanced persistent threats and significant cyber attacks.</span><br/><br/><br/><br/></span></p>

<div class="Normal"><span style="font-family:'Arial';font-size:10.00pt;">Jon Waldman is a co-founder, executive vice president, IS Consulting and president, SBS Institute for SBS CyberSecurity, a premier cybersecurity consulting and audit firm dedicated to making a positive impact on the banking and financial services industry. He maintains his CISA and CRISC certifications and received his Bachelor of Science in Computer Information Systems and his Master of Science in Information Assurance with an emphasis in Banking and Finance Security from Dakota State University. Over the last 10 years Jon has helped hundreds of financial institutions across the country create and implement comprehensive, valuable and manageable Information Security Programs. He also conducts webinars and certification programs for the SBS Institute.&nbsp;</span></div> <div><span style="color:black;font-family:'Times New Roman';font-size:12.00pt;"></span></div>

<p><span style="font-family:Arial; font-size:10Pt;">Tim has been part of Schneider Downs’ Risk Advisory Services practice since 2015. He brings a broad base of audit and IT knowledge to his clients, both large and small. Services Tim provides include Sarbanes-Oxley 404 and IT general control design, testing and reporting, SOC 1 and 2 reports, HITRUST CSF assessments, NIST and IRS gap and compliance assessments, cybersecurity maturity assessments, FFIEC IT handbook-based examinations, FFIEC cybersecurity assessment tool assessments and end user computing audits. He is experienced with auditing the Microsoft Windows, Linux , SQL and Oracle platforms, and is a leader in the firm’s cloud infrastructure and security practice, which includes Amazon Web Services, Microsoft Azure and Google Cloud.&nbsp;</span></p>