<p align="left" class="MsoTitle" style="text-align:left"><span style="font-size:14pt"><span style="font-family:&quot;Times New Roman&quot;,serif"><span style="font-weight:bold"><span style="font-size:12.0pt"><span style="font-weight:normal">Elizabeth L. Anstaett is a partner with <span style="font-variant:small-caps">Dreher Tomkies LLP.</span></span></span></span></span></span></p> <p align="left" class="MsoTitle" style="text-align:left"><span style="font-size:14pt"><span style="font-family:&quot;Times New Roman&quot;,serif"><span style="font-weight:bold"><span style="font-size:12.0pt"><span style="font-weight:normal">Ms. Anstaett specializes in banking and financial services law with a concentration in consumer financial services and small business lending on a 50-state basis. Ms. Anstaett is engaged in the representation of banks, finance companies and other financial service provider in Ohio and nationally. Her practice focuses on state and federal regulatory matters, multistate compliance and the development of lending programs, general banking matters, deposit programs, privacy, debt collection matters, telemarketing compliance matters and consumer finance litigation support. Ms. Anstaett teaches Banking Law at The Ohio State University, Moritz College of Law as an adjunct professor. She received a J.D. degree from The Ohio State University College of Law in 1991 (<i>summa cum laude</i>; Order of the Coif; Ohio State Law Journal) and a B.A. from The Ohio State University in 1985. Ms. Anstaett served as a law clerk for the Honorable John D. Holschuh, Chief Judge, U.S. District Court, Southern District of Ohio. She has authored numerous articles on financial services, bank regulation and preemption and speaks on a variety of consumer financial services topics.</span></span></span></span></span></p>

<p>Barry is a third generation Auctioneer who specializes in Commercial and Industrial Real Estate at Auction. Barry has a BSBA with a major in Marketing from The Ohio State University. A graduate of Missouri Auction School, the Certified Auctioneers Institute (CAI), an Accredited Auctioneer of Real Estate (AARE), CCIM designee, The Ohio & National Auctioneers Association, The 2008 President of the Ohio Auctioneers Association, and is the Owner-Broker of Ohio Real Estate Auctions and Ohio Sheriff Sales. </p>

<p>Join Gov. Mikki Bowman for comments and an engaging conversation regarding Federal Reserve perspectives, news and updates. Gov. Bowman took office on November 26, 2018, to fill an unexpired term ending January 31, 2020. She was reappointed to the Board on January 23, 2020, and sworn in on January 30, 2020, for a term ending January 31, 2034. Prior to her appointment to the Board, Ms. Bowman served as the state bank commissioner of Kansas from January 2017 to November 2018. She also served as vice president of Farmers & Drovers Bank in Kansas from 2010 to 2017. In addition to her experience in the banking industry, Gov. Bowman worked in Washington, D.C. for Senator Bob Dole of Kansas from 1995 to 1996 and served as a counsel to the U.S. House Committee on Transportation and Infrastructure and the Committee on Government Reform and Oversight between 1997 and 2002. She has also served as director of congressional and intergovernmental affairs at the Federal Emergency Management Agency; and as Deputy Assistant Secretary and policy advisor to Homeland Security Secretary Tom Ridge.</p>

<div>One of banking industry’s premier presenters and retail network optimization experts, Jim Caliendo is a veteran banker, published author, mentor to fellow colleagues and current President & CEO of the highly respected, 113-year-old design-build firm, PWCampbell. Jim’s journey has been fueled by his unrelenting passion for excellence and continual growth. Today, Jim oversees the day-to-day operations of PWCampbell and its four subsidiary companies. His visionary leadership has enabled the company to successfully introduce new product lines, double revenue growth, and position the company as an award-winning provider of in branch technology. Combining his vast knowledge of the design-build industry along with his previous experience as a bank executive, Jim shows his audience how to successfully transform and expand their retail branch networks, maximize efficiencies, increase branch profitability, and ensure efficiency of operational space.</div> <div> </div>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Nelson is a partner in the Vorys Columbus office and a member of the labor and employment group and is a member of the Ohio Bar Association, the District of Columbia Bar, and is an associate member of the Virginia Bar Association. &nbsp;Nelson is also active in the Columbus Bar Association. </div> <div>&nbsp;</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Nelson has spoken at numerous seminars on many topics, including&nbsp;updates on wage/hour, disability discrimination and FMLA updates; activity at the NLRB; the employment-at-will doctrine; employment agreements; managing difficult employees; and enforcing disciplinary action.&nbsp; He also has conducted training on union avoidance and positive employee relations, avoiding sexual harassment and other unlawful harassment, and&nbsp;conducting internal investigations.</span></div> <div>&nbsp;</div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Nelson received his J.D.&nbsp;</span><i><span style="color:black;font-family:'Arial';font-size:10.00pt;">summa cum laude</span></i><span style="color:black;font-family:'Arial';font-size:10.00pt;">&nbsp;from Washington and Lee University School of Law where he was a member of the Order of the Coif.&nbsp;</span><i><span style="color:black;font-family:'Arial';font-size:10.00pt;">&nbsp;</span></i><span style="color:black;font-family:'Arial';font-size:10.00pt;">He received his B.A.&nbsp;</span><i><span style="color:black;font-family:'Arial';font-size:10.00pt;">summa cum laude</span></i><span style="color:black;font-family:'Arial';font-size:10.00pt;">&nbsp;from Albion College</span><i><span style="color:black;font-family:'Arial';font-size:10.00pt;">,&nbsp;</span></i><span style="color:black;font-family:'Arial';font-size:10.00pt;">where he was a member of Phi Beta Kappa.</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></div>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Nelson is a partner in the Vorys Columbus office and a member of the labor and employment group and is a member of the Ohio Bar Association, the District of Columbia Bar, and is an associate member of the Virginia Bar Association. &nbsp;Nelson is also active in the Columbus Bar Association. </div> <div>&nbsp;</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Nelson has spoken at numerous seminars on many topics, including&nbsp;updates on wage/hour, disability discrimination and FMLA updates; activity at the NLRB; the employment-at-will doctrine; employment agreements; managing difficult employees; and enforcing disciplinary action.&nbsp; He also has conducted training on union avoidance and positive employee relations, avoiding sexual harassment and other unlawful harassment, and&nbsp;conducting internal investigations.</span></div> <div>&nbsp;</div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Nelson received his J.D.&nbsp;</span><i><span style="color:black;font-family:'Arial';font-size:10.00pt;">summa cum laude</span></i><span style="color:black;font-family:'Arial';font-size:10.00pt;">&nbsp;from Washington and Lee University School of Law where he was a member of the Order of the Coif.&nbsp;</span><i><span style="color:black;font-family:'Arial';font-size:10.00pt;">&nbsp;</span></i><span style="color:black;font-family:'Arial';font-size:10.00pt;">He received his B.A.&nbsp;</span><i><span style="color:black;font-family:'Arial';font-size:10.00pt;">summa cum laude</span></i><span style="color:black;font-family:'Arial';font-size:10.00pt;">&nbsp;from Albion College</span><i><span style="color:black;font-family:'Arial';font-size:10.00pt;">,&nbsp;</span></i><span style="color:black;font-family:'Arial';font-size:10.00pt;">where he was a member of Phi Beta Kappa.</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></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;">Chris has more than 20 years of experience in the financial services industry, including more than 15 years assisting community banks with mergers, capital raising and other strategic alternatives. Chris has a BA from Ohio Wesleyan University and an MBA from the University of Texas.</span></span></p>

<p>Bruce Clapp is a leading executive marketer with 30+ years of marketing expertise. Mr. Clapp has served in various executive bank marketing leadership positions. Leading financial institutions with a local, regional, and national scope into new product development, brand building and strategic planning success have been the career hallmarks of Bruce Clapp. Bruce’s career includes successful growth at Bank One, Midfirst Credit Union, and Liberty Savings Bank in executive marketing and sales management roles Prior to founding MarketMatch, Bruce championed a new financial institution consulting practice that focused on customer retention, acquisition, and loyalty marketing for the nation’s largest provider of value-added marketing.</p> <p>Bruce has achieved numerous awards for his work including: youngest recipient of the Bank One President’s Sales Award, The OCUL Marketing Brilliance Award, Dayton Business News 40 Under 40 Award, and the 2005 Gold Distinguished Alumni Award from Wright State University. Bruce is a regular featured speaker with the American Bankers Association (ABA) and numerous ABA state chapters. Internationally, Bruce is known as a marketing and branding expert speaking at international branding and bank marketing conferences in Dubai, Egypt, Jordan, Estonia, Kuala Lumpur, and Lithuania.</p> <p>Bruce’s work has been published through the ABA’s Marketing Network Library and the ABA Bank Marketing magazine and had a recurring series on Retention and Attrition along with featured sections on Branding. Bruce’s creative approach to bank marketing has been highlighted in ABA Bank Marketing, ABA Banker’s News, US Banker, Financial Services Marketing, Advertising Review, Dayton Daily News, Columbus Dispatch, Cincinnati Business Journal, and the Dayton Business Journal.</p> <p>Bruce authored two editions of Marketing Financial Services: Building a Better Bank for the American Bankers Association. The publication serves as the defacto training and education textbook for financial marketers in the banking industry as is actively used by the ABA, AIB, and all state associations. He has served on the faculty at the ABA Stonier Graduate School of Banking, the ABA School of Bank Marketing and Management, Florida Banker’s Graduate School of Banking, and the international Academy of Banking and Financial Sciences.</p> <p>He has also published a co-authored book on bank marketing and strategy entitled “Shift Happens: The New Age of Bank Marketing” and is currently completing “Bank Marketing for every Army of One” and “Buzzworthy: Creating and Sustaining Conversation about your Brand.”</p>

<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;">Charlie has more than 30 years of investment banking experience, specializing in capital raising and providing merger advisory services to community banks. Charlie has a BS and an MBA from the University of Pennsylvania.</span></span></p></div><div>&nbsp;</div><div>&nbsp;</div><div>&nbsp;</div>

<div><span style="font-family:'Arial';font-size:10.00pt;"><span style="color:#4D4D4D;font-family:'Arial';font-size:10.00pt;">Mike combines his extensive legal experience with strategic business sense in order to help his clients navigate the many complex legal and business issues that challenge their organizations. Co-chair of the firm&#39;s Commercial Finance &amp; Banking practice group, he counsels clients within the public, private, and non-profit sectors in a variety of industries including banking, health care, manufacturing, consumer products, and various service industries.</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;">His corporate practice focuses primarily in the areas of mergers and acquisitions, corporate finance, capital raising (debt and equity), and bank regulatory compliance. He advises boards of directors and senior management teams on all aspects of the acquisition/sale process including diligence and disclosure, working with investment bankers, transaction structure, negotiating deal points and documents, transaction financing and post acquisition planning. Mike also provides advice to his for-profit and non-profit clients in the areas of corporate governance, commercial contracts, federal and state regulation, corporate structure, and other general corporate legal matters.</span></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;"><span style="color:#4D4D4D;font-family:'Arial';font-size:10.00pt;"></span></div> <div><span style="font-family:'Arial';font-size:10.00pt;">He was recognized in the 2010&nbsp;</span></span><i><span style="font-family:'Arial';font-size:10.00pt;"><span style="color:#4D4D4D;font-family:'Arial';font-size:10.00pt;">The Legal 500</span></span></i><span style="font-family:'Arial';font-size:10.00pt;"><span style="color:#4D4D4D;font-family:'Arial';font-size:10.00pt;">&nbsp;as a &#34;Leading Lawyer&#34; in Mergers, Acquisitions and Buyouts: Middle Market (sub-$500M). He is also listed in&nbsp;</span></span><i><span style="font-family:'Arial';font-size:10.00pt;"><span style="color:#4D4D4D;font-family:'Arial';font-size:10.00pt;">Best Lawyers</span></span></i><span style="font-family:'Arial';font-size:10.00pt;"><span style="color:#4D4D4D;font-family:'Arial';font-size:10.00pt;">® for 2013.&nbsp;Prior to joining Dinsmore, he was a national bank examiner with the Office of the Comptroller of the Currency.</span></span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;">&nbsp;</span></div> <div><span style="color:#4D4D4D;font-family:'Arial';font-size:14.50pt;"></span> </div>

<p>As a former news anchor, Patrick brings his story-telling approach to audiences on a variety of topics. From working with the media, to crisis communications, to the latest issues in the payments industry, Patrick provides commentary to help audiences understand complex topics and delivers easily digestible takeaways they can use at their institution. Patrick leads SHAZAM’s strategic partnerships with more than 70 industry organizations and trade associations, supporting their advocacy efforts and ensuring community financial institutions have a strong voice in the payments industry. </p>

<p><span style="font-size:11.0pt"><span style="font-family:&quot;Calibri&quot;,sans-serif">Paul Dunford is Co-founder and VP of Knowledge at Green Check Verified. Paul is an active member of the cannabis banking regulatory community, contributing to trade publications and speaking virtually and in-person across the country on the subject.</span></span></p>

<p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">Jen Dunsizer is a partner in the Columbus office of Vorys, Sater, Seymour & Pease LLP. Her practice focuses on employee benefits and executive compensation plans. As former Managing Corporate Counsel for a large, publicly-traded employer, Jen has extensive experience in the design, implementation and administration of retirement plans, deferred compensation, health and welfare plans, insurance benefits, short- and long-term cash and equity-based incentive plans, and early retirement programs; public company disclosure obligations and merger and acquisition activity. </span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"> </span></span></p>

<div><p><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Amber Farley, Partner &amp; EVP of Brand Development at FMS, is a well-known and respected teacher, presenter, consultant and thought leader on bank branding, marketing, and leadership strategies for banks around the country. She strategizes ways to help banks be purpose-driven, inspirational and more relevant to today’s customer—including both internal and external customers, and regularly presents and teaches at national banking schools, banking conferences, and other statewide banking institutions.</span></p><p>&nbsp;</p></div><div>&nbsp;</div>

<p class="BioNormal" style="margin-bottom:13px"><span style="line-height:14pt">Cynthia Behnen-Gillison is RSM’s National Regulatory Compliance Leader overseeing a practice comprised of former regulators, chief compliance officers and professionals who have worked at the big four. She is responsible for leading RSM Professionals in the delivery of Regulatory Compliance, BSA/AML/OFAC and Validation services. Cynthia has 23 years of Leadership, Consulting and Auditing Experience, which has been focused on the financial services sector and 20 years of experience assisting organizations in managing operational and compliance risks. She works closely with clients to ensure value-added services are provided by RSM. She is a banking and capital markets, regulatory compliance specialist and supports her clients in developing regulatory compliance risk assessments. Cynthia collaborates with client’s and her teams to design comprehensive risk assessments and regulatory compliance programs, such as compliance management system, fair lending, Home Mortgage Disclosure Act, Fair Credit Reporting Act, Gramm-Leach-Bliley Act (GLBA), IT governance, external threat management, vulnerability management and Bank Secrecy Act and anti-money laundering. </span></p> <p class="BioNormal" style="margin-bottom:13px"> </p> <p class="BioNormal" style="margin-bottom:13px"> </p>

<p>Ty has over 30 years of financial services experience both in bank consulting and management. As a consultant, he has worked with financial institutions to identify areas to increase profitability, productivity, and efficiency in bank operations. Managing projects and directing teams are his strengths in providing high performance solutions for clients. During his career, Ty has had extensive experience in consulting projects for community and regional banks nationwide, ranging from $250 million to $10 billion in asset size. Areas of expertise include the following: Strategic Planning, Management Consulting, Executive Coaching, Project Management, Organization Alignment, Lending (Commercial, Consumer, Mortgage, Credit Administration, and Loan Operations), Retail Banking, Technology, and Risk Management.</p>

<p>Forward-thinking and business-minded, Christian has built a practice of advising clients on a variety of complex issues in an ever-changing, fast-paced corporate world. He focuses on achieving client objectives by providing sound strategic advice in the areas of corporate, banking, and securities law, including mergers and acquisitions, federal securities law compliance, public and private stock offerings, venture capital and private equity, capital formation, regulatory compliance, and general corporate governance matters. Christian has significant experience servicing financial sector clients ranging from multi-billion dollar public financial institutions to community banks and thrifts. He counsels financial institutions in strategic growth planning, holding company formation, M&A transactions, and other critical situations and has a broad range of experience in complex transactional, securities, regulatory, governance and compliance matters impacting this highly regulated and ever-evolving sector. Christian also guides venture capitalists through the various stages of financing their investments, including fund formation, rapid growth financing, and exit transactions. He has been a resource for the firm’s leadership covering the impact of Dodd-Frank Act regulations on the firm’s financial sector clients. Currently, he serves on the firm's Board of Directors. Prior to joining Dinsmore, he served as general counsel for The Ohio Division of Financial Institutions working on various regulatory and corporate matters pertaining to state-chartered financial institutions.</p>

<p>Forward-thinking and business-minded, Christian has built a practice of advising clients on a variety of complex issues in an ever-changing, fast-paced corporate world. He focuses on achieving client objectives by providing sound strategic advice in the areas of corporate, banking, and securities law, including mergers and acquisitions, federal securities law compliance, public and private stock offerings, venture capital and private equity, capital formation, regulatory compliance, and general corporate governance matters. Christian has significant experience servicing financial sector clients ranging from multi-billion dollar public financial institutions to community banks and thrifts. He counsels financial institutions in strategic growth planning, holding company formation, M&A transactions, and other critical situations and has a broad range of experience in complex transactional, securities, regulatory, governance and compliance matters impacting this highly regulated and ever-evolving sector. Christian also guides venture capitalists through the various stages of financing their investments, including fund formation, rapid growth financing, and exit transactions. He has been a resource for the firm’s leadership covering the impact of Dodd-Frank Act regulations on the firm’s financial sector clients. Currently, he serves on the firm's Board of Directors. Prior to joining Dinsmore, he served as general counsel for The Ohio Division of Financial Institutions working on various regulatory and corporate matters pertaining to state-chartered financial institutions.</p>

<p><img alt="" data-udi="umb://media/5b1b3b1d226c4e8e91311ee310e8197d" src="https://www.fhlbcin.com/umbraco/nothing.jpg" />Kevin Hanrahan has been serving the Fifth District in various capacities for ten years. In his role as First Vice President, Marketing, Kevin leads FHLB’s marketing department, which includes oversight of member relationships throughout Ohio, Kentucky and Tennessee, corporate events and member facing analytics.</p> <p>Prior to his current role, Kevin worked as both an analyst and relationship manager in the marketing department and as an analyst in the enterprise risk management department. Before joining the FHLB, Kevin also held roles at various commercial banks. This background has allowed him to understand member needs from multiple perspectives.</p> <p>Kevin received his Bachelor of Science in Business Administration with a focus in Marketing from Miami University and his Master of Business Administration from John Carroll University. </p>

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Quantitative Consulting (ERQC) team at </span><span class="TextRun SCXW21144397 BCX0 NormalTextRun SpellingErrorV2Themed" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-image:var(--urlSpellingErrorV2,url(&quot;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI1IiBoZWlnaHQ9IjQiPjxnIGZpbGw9Im5vbmUiIGZpbGwtcnVsZT0iZXZlbm9kZCI+PHBhdGggc3Ryb2tlPSIjRUIwMDAwIiBkPSJNMCAzYzEuMjUgMCAxLjI1LTIgMi41LTJTMy43NSAzIDUgMyIvPjxwYXRoIGQ9Ik0wIDBoNXY0SDB6Ii8+PC9nPjwvc3ZnPg==&quot;));background-position:0px 100%;background-repeat:repeat-x;border-bottom:1px solid transparent;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US" data-ccp-parastyle="FORVIS_Bio Text"><strong>Forvis</strong></span><span class="TextRun SCXW21144397 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US" data-ccp-parastyle="FORVIS_Bio Text"><strong> Mazars</strong>, providing consulting services to financial institutions ranging from $50 million to </span><span class="TextRun SCXW21144397 BCX0 NormalTextRun AdvancedProofingIssueV2Themed" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-image:var(--urlAdvancedProofingIssueV2,url(&quot;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMCIgaGVpZ2h0PSIyIj48ZyBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiPjxwYXRoIGQ9Ik0wIDBoMTB2MkgweiIvPjxwYXRoIHN0cm9rZT0iIzcxNjBFOCIgc3Ryb2tlLWxpbmVjYXA9InJvdW5kIiBzdHJva2Utd2lkdGg9IjIiIGQ9Ik0xIDFoNCIvPjwvZz48L3N2Zz4=&quot;));background-position:0px 100%;background-repeat:repeat-x;border-bottom:1px solid transparent;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US" data-ccp-parastyle="FORVIS_Bio Text">$18 billion</span><span class="TextRun SCXW21144397 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US" data-ccp-parastyle="FORVIS_Bio Text">.&nbsp;</span><span class="EOP SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:1,&quot;335559738&quot;:120,&quot;335559739&quot;:120,&quot;335559740&quot;:280}">&nbsp;</span></span></p></div><div class="OutlineElement Ltr SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-text-stroke-width:0px;-webkit-user-drag:none;background-color:rgb(255, 255, 255);clear:both;color:rgb(0, 0, 0);cursor:text;direction:ltr;font-family:&quot;Segoe UI&quot;, &quot;Segoe UI Web&quot;, Arial, Verdana, sans-serif;font-size:12px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin:0px;orphans:2;overflow:visible;padding:0px;position:relative;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;user-select:text;white-space:normal;widows:2;word-spacing:0px;"><p class="Paragraph SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-color:transparent;color:rgb(0, 0, 0);font-kerning:none;font-style:normal;font-weight:normal;margin:8px 0px;overflow-wrap:break-word;padding:0px;text-align:left;text-indent:0px;user-select:text;vertical-align:baseline;white-space:pre-wrap;" paraid="1258359829" paraeid="{bb8aec46-fbb0-447f-a134-ddae89ad57ce}{8}"><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="TextRun SCXW21144397 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US" data-ccp-parastyle="FORVIS_Bio Text">He has over thirty years of experience focusing on the areas of asset/liability management, interest rate risk and liquidity risk management.&nbsp; Tom consults with his </span><span class="TextRun SCXW21144397 BCX0 NormalTextRun ContextualSpellingAndGrammarErrorV2Themed" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-image:var(--urlContextualSpellingAndGrammarErrorV2,url(&quot;data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI1IiBoZWlnaHQ9IjMiPjxnIGZpbGw9Im5vbmUiIGZpbGwtcnVsZT0iZXZlbm9kZCIgc3Ryb2tlPSIjMzVGIiBzdHJva2UtbGluZWNhcD0icm91bmQiPjxwYXRoIGQ9Ik0wIC41aDVNMCAyLjVoNSIvPjwvZz48L3N2Zz4=&quot;));background-position:0px 100%;background-repeat:repeat-x;border-bottom:1px solid transparent;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US" data-ccp-parastyle="FORVIS_Bio Text">client</span><span class="TextRun SCXW21144397 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US" data-ccp-parastyle="FORVIS_Bio Text"> senior leadership teams to discuss topics such as balance sheet and net interest margin enhancement strategies, loan and deposit pricing, investment portfolio strategies, liquidity, and interest rate risk.&nbsp; His experience also includes providing interest rate risk and liquidity risk audits to financial institutions.&nbsp;&nbsp;</span><span class="EOP SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:1,&quot;335559738&quot;:120,&quot;335559739&quot;:120,&quot;335559740&quot;:280}">&nbsp;</span></span></p></div><div class="OutlineElement Ltr SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-text-stroke-width:0px;-webkit-user-drag:none;background-color:rgb(255, 255, 255);clear:both;color:rgb(0, 0, 0);cursor:text;direction:ltr;font-family:&quot;Segoe UI&quot;, &quot;Segoe UI Web&quot;, Arial, Verdana, sans-serif;font-size:12px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin:0px;orphans:2;overflow:visible;padding:0px;position:relative;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;user-select:text;white-space:normal;widows:2;word-spacing:0px;"><p class="Paragraph SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-color:transparent;color:rgb(0, 0, 0);font-kerning:none;font-style:normal;font-weight:normal;margin:8px 0px;overflow-wrap:break-word;padding:0px;text-align:left;text-indent:0px;user-select:text;vertical-align:baseline;white-space:pre-wrap;" paraid="1636516094" paraeid="{bb8aec46-fbb0-447f-a134-ddae89ad57ce}{52}"><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="TextRun SCXW21144397 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US" data-ccp-parastyle="FORVIS_Bio Text">Tom has served as the facilitator for the CFO Forums for 8 years with the Ohio Bankers League and 13 years with the Michigan Bankers Association.&nbsp;</span><span class="EOP SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:1,&quot;335559738&quot;:120,&quot;335559739&quot;:120,&quot;335559740&quot;:280}">&nbsp;</span></span></p></div><div class="OutlineElement Ltr SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-text-stroke-width:0px;-webkit-user-drag:none;background-color:rgb(255, 255, 255);clear:both;color:rgb(0, 0, 0);cursor:text;direction:ltr;font-family:&quot;Segoe UI&quot;, &quot;Segoe UI Web&quot;, Arial, Verdana, sans-serif;font-size:12px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin:0px;orphans:2;overflow:visible;padding:0px;position:relative;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;user-select:text;white-space:normal;widows:2;word-spacing:0px;"><p class="Paragraph SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-color:transparent;color:rgb(0, 0, 0);font-kerning:none;font-style:normal;font-weight:normal;margin:8px 0px;overflow-wrap:break-word;padding:0px;text-align:left;text-indent:0px;user-select:text;vertical-align:baseline;white-space:pre-wrap;" paraid="841520681" paraeid="{bb8aec46-fbb0-447f-a134-ddae89ad57ce}{78}"><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="TextRun SCXW21144397 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US" data-ccp-parastyle="FORVIS_Bio Text">He earned his undergraduate degree from Eastern Michigan University and his M.B.A. from the University of Toledo.</span><span class="EOP SCXW21144397 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Arial, Arial_EmbeddedFont, Arial_MSFontService, sans-serif;line-height:18.6667px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:1,&quot;335559738&quot;:120,&quot;335559739&quot;:120,&quot;335559740&quot;:280}">&nbsp;</span></span></p></div>

<p class="MsoNormal"><span style="font-size:10.0pt;line-height:107%; font-family:&quot;Arial&quot;,sans-serif">Ryan W. Hayhurst is President of The Baker Group and Manager of the Financial Strategies Group. Ryan joined the firm in 1991 and now oversees the design and implementation of investment and asset/liability strategies for financial institutions. He is also integrally involved in the continued development of the firm’s proprietary software designed to assist clients in the management of their investment portfolios and their overall interest rate risk profiles. Ryan regularly develops and presents educational seminars nationwide, with a focus on investment and interest rate risk management. He is a frequent speaker at financial institution conventions and investment conferences and has served as a faculty member of several national and regional banking schools. Hayhurst holds a Bachelor of Business Administration degree from the University of Oklahoma.</span></p> <p> </p>

<p class="MsoNormalCxSpFirst" style="line-height:normal"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family: &quot;Times New Roman&quot;;mso-font-kerning:12.0pt">Greg Janssen</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family: &quot;Times New Roman&quot;;mso-font-kerning:12.0pt"> is regional sales director/account relationship manager for The Plateau Group where his responsibilities are to develop and deliver proven revenue growth strategies and effective product solutions. He has more than 20 years of experience as a bank lender, sales educator and over 12 years of direct debt cancellation experience. His expertise in providing needed fee income products, protection solutions and sales strategies is a proven combination. <o:p></o:p></span></p> <p>&nbsp;</p>

<p class="MsoNormal"><span style="font-size:10.0pt;line-height:107%;font-family: &quot;Arial&quot;,sans-serif"><o:p></o:p></span></p> <p>As an assurance senior manager in Plante Moran’s financial services practice, Bryan Johnson specializes in performing external audits and internal control examinations in accordance with SEC and/or FDICIA reporting requirements. He also has significant experience assisting clients in the design and implementation of an internal control framework to achieve compliance with FDICIA or SOX 404 requirements. Most of Bryan’s clients are financial institutions and specialty commercial credit lenders and range in size from $100 million to several billion in total assets. As Plante Moran’s leader and expert in model validation and model risk management, Bryan works with his clients to proactively address risks to protect shareholder value and minimize the risk of regulatory criticism. He belongs to the AICPA and received his B.A. in accounting from The Ohio State University. <br/><br/>&nbsp;</p>

<div class="gmail-m_4231038600056231833gmail-p1"><span style="color:black;font-family:'Arial';font-size:10.00pt;">Daniel loves traveling, meeting new people, and working to build bridges of understanding and empathy across challenging divides. He deeply believe that all people matter, and he&#39;s spent much of his life working in roles that have allowed him to develop thinking around the nature of education and learning, relationship-building, and professional growth. As the Director for the Ohio and Indiana Diversity Councils, Daniel took a fledgling organization and grew its corporate membership ranks by almost 2,000 percent in two years. He now owns and runs his own speaking and consulting business, and works with conference planners, learning and development leaders, nonprofit boards, and corporate entities - all in a pursuit to help them grow their leadership impact and make the spaces they influence more inclusive. He can be found online at <a href="http://www.danieljuday.com/"></span><u><span style="color:black;font-family:'Arial';font-size:10.00pt;">www.danieljuday.com</span></u><span style="color:black;font-family:'Arial';font-size:10.00pt;"></a>.</span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;">&nbsp;</span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;">&nbsp;</span></div> <div> </div>

<p><span style="font-family:Arial; font-size:10Pt;">Tim is the Chief Strategist of Account Boost. He</span><span style="font-family:Arial; font-size:10Pt;">specializes in leveraging digital marketing plans&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">to drive loan and deposit growth. He has decades&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">of experience assisting hundreds of financial&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">institutions in understanding their customers at&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">a higher level.&nbsp;<span style="font-family:Arial; font-size:10Pt;">Tim leads a team that supports&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">clients in developing, executing, and tracking&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">marketing campaigns.</span><br/></span></p><p><span style="font-family:Arial; font-size:10Pt;"><span style="font-family:Arial; font-size:10Pt;">Tim worked at both AmSouth Bank and First&nbsp;</span></span><span style="font-family:Arial; font-size:10Pt;"><span style="font-family:Arial; font-size:10Pt;">Tennessee, where he was SVP of Deposits. He has&nbsp;</span></span><span style="font-family:Arial; font-size:10Pt;"><span style="font-family:Arial; font-size:10Pt;">advised and collaborated with executives from&nbsp;</span></span><span style="font-family:Arial; font-size:10Pt;"><span style="font-family:Arial; font-size:10Pt;">large to community-sized financial institutions&nbsp;</span></span><span style="font-family:Arial; font-size:10Pt;"><span style="font-family:Arial; font-size:10Pt;">during his career. These include Bank of&nbsp;</span></span><span style="font-family:Arial; font-size:10Pt;"><span style="font-family:Arial; font-size:10Pt;">America, Wells Fargo, SunTrust, Chase, and Citi.&nbsp;</span></span><span style="font-family:Arial; font-size:10Pt;"><span style="font-family:Arial; font-size:10Pt;">Tim has been published in Financial Brand, ABA&nbsp;</span></span><span style="font-family:Arial; font-size:10Pt;"><span style="font-family:Arial; font-size:10Pt;">Marketing, and BAI.</span></span><span style="font-family:Arial; font-size:10Pt;"><span style="font-family:Arial; font-size:10Pt;">&nbsp;</span></span></p>

<p>With over 26 years of experience, Don assists board of directors and senior management in developing performance-based reward systems that encompass all reward elements and support the company's business strategy. Outside of executive compensation matters, he has conducted work in director compensation, sales incentives, sales force management and broad-based compensation matters. Companies served by Don have operated in variety of business settings (LBO, IPO, publicly held as well as private or family owned), various states of development (pre-revenue, start-up, high growth and maturity) and in wide range of industries, including: aerospace, banking, building products, capital equipment/machinery, chemical, consumer products, financial services, food processing, insurance, medical equipment, metals, natural resources, retail and wholesale trade.With over 25 years of experience, Don assists board of directors and senior management in developing performance-based reward systems that encompass all reward elements and support the company's business strategy. Outside of executive compensation matters, he has conducted work in director compensation, sales incentives, sales force management and broad-based compensation matters. Companies served by Don have operated in variety of business settings (LBO, IPO, publicly held as well as private or family owned), various states of development (pre-revenue, start-up, high growth and maturity) and in wide range of industries, including: aerospace, banking, building products, capital equipment/machinery, chemical, consumer products, financial services, food processing, insurance, medical equipment, metals, natural resources, retail and wholesale trade.</p>

<p><span style="font-family:Arial; font-size:10Pt;">Russ applies his prior business education, industry involvement and 30 years of&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">legal experience to provide his clients with innovative solutions to real estate,&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">financial, oil and gas and other commercial disputes. He represents title&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">insurance underwriters, title insurance agents, mortgage brokers, lenders, and&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">other corporate and individual clients in matters involving land title issues,&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">mortgage fraud, real estate disputes, lending and truth-in-lending issues,&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">insurance coverage issues, contract disputes, and business torts.</span><br/></p><p><span style="font-family:Arial; font-size:10Pt;">Russ is also a member of the Board of Managers of the law firm’s title agency,&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">Multi-State Title Agency, Ltd. Multi-State is an agent for six title insurance&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">underwriters including Chicago Title Insurance Company, Commonwealth&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">Land Title Insurance Company, Fidelity National Title Insurance Company,&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">First American Title Insurance Company, Old Republic National Title&nbsp;</span><span style="font-family:Arial; font-size:10Pt;">Insurance Company, and Stewart Title Guaranty Company.&nbsp;</span></p>

<p style="border-style:none;padding:0in;"><span style="color:#1f2322;font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="font-family:&quot;Segoe UI&quot;,sans-serif;line-height:normal;">Jason Lange is a client relationship manager on the Financial Institutions team, helping clients install, grow, and optimize balance sheet hedging and customer hedging programs. Since joining Chatham in 2008, Jason has worked to equip clients with the tools and training necessary to use derivatives for interest rate risk management and to offer a wide variety of products and services to their customers.</span></span></p><p style="border-style:none;margin-bottom:11px;padding:0in;"><span style="color:#1f2322;font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="font-family:&quot;Segoe UI&quot;,sans-serif;line-height:normal;">Prior to joining Chatham, Jason worked for the BOC Group in their industrial gases and vacuum equipment divisions and served nearly eight years as a U.S. Army Aviation Officer. Jason received a bachelors degree in materials science and engineering from Carnegie Mellon University, and a MBA in finance from The Wharton School of the University of Pennsylvania.</span></span></p>

<p>Logan Mallory, VP of Marketing, Motivosity: Whether you are as obsessed with Ted Lasso as we are or not, this session is for you! Managers and our teams have the biggest influence on employee engagement. So what are you doing to transform your managers into leaders throughout your organization? How are you developing your management style to take care of each employee on your team or within your organization? Don’t Listen to us, listen to Ted Lasso. We don’t want to spoil too much, but here are the teasers for what we will be talking about:</p> <p>• Everyone’s on the team</p> <p>• Be a Goldfish</p> <p>• Fix the water pressure</p> <p>• Mentors are better than managers</p> <p>• Be curious not judgmental</p> <p>• Genuine appreciation above all else</p> <p>Why listen to Ted Lasso? The Harvard Business Review said that “In organizations with low employee engagement scores, they experience 18% lower productivity, 16% lower profitability, 37% lower job growth, and 65% lower share price over time. Importantly, businesses with highly engaged employees enjoyed 100% more job applications.” We’ll discuss principles that can take you from manager to a mentor to a leader to create a highly engaged team</p>

<p>In a period of unprecedented change, digital transformation is a requirement for survival. The ability to innovate at speed and scale creates new opportunities for growth. But, success is predicated on leadership that is willing to embrace change, take risks and disrupt existing paradigms. Jim Marous, the co-publisher of The Financial Brand and host of the Banking Transformed podcast, will open the Main Event as he shares:</p> <p>• What marketplace changes are redefining banking today and in the future</p> <p>• How to stem silent attrition impacting all institutions</p> <p>• Why third-party collaboration levels the competitive landscape</p> <p>• How to leverage the power of data and insight democratization</p> <p>Marous noted, “Existing banking business models must be reimagined for a digital marketplace that expects proactive, personalized recommendations that financial wellness across that support financial wellness across the entire customer journey.” Find out more at this high energy session that will challenge as it inspires.</p>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Natalie is a partner in the Vorys Columbus office and a member of the labor and employment group. Her practice is focused on a broad range of labor and employment law matters. Natalie has significant experience litigating harassment, discrimination, retaliation, wrongful discharge and non-compete cases. She has handled claims filed under the Fair Labor Standards Act, Title VII, the Americans with Disabilities Act, the Age Discrimination in Employment Act, the Family and Medical Leave Act, the Uniform Trade Secrets Act and similar state laws. Natalie has represented clients before state and federal courts, the Equal Employment Opportunity Commission, and numerous state civil rights commissions. She also counsels employers on compliance with employment laws, the development of personnel policies and practices, employee discipline and termination, and internal complaints and investigations.</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span> </div> <div>&nbsp;</div> <div><span style="font-family:'Arial';font-size:10.00pt;">Natalie has lectured at seminars and provided training to employers on a variety of topics including workplace harassment, developing appropriate non-discrimination policies, conducting internal workplace investigations, managing disabilities and accommodations in the workplace, religious accommodations, pregnancy accommodations, transgender and sexual orientation discrimination, the impact of domestic violence on the workplace, union avoidance and positive employee relations, developing appropriate policies and practices to address campus sexual violence, and employment issues for colleges and universities.</span><br/></div> <div><span style="font-family:'Arial';font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;">Natalie received her J.D. from Vanderbilt University Law School, graduating Order of the Coif. She earned her B.A. </span></span><i><span style="font-family:'Arial';font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;">summa cum</span></span></i><span style="font-family:'Arial';font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;"> laude with honors from Miami University.</span></span></div> <div><span style="font-family:'Arial';font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></span> </div>

<div><span style="font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;">Joe is an Award Winning Banker and Sales Expert with over 28 years of banking and sales leadership experience in Australia, Canada and the USA. This valuable global experience has ideally positioned Joe to share insights on universal best practices for growing your Bank and your career</span>.</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></div> <div>&nbsp;</div> <div><span style="font-size:10.00pt;">He has been recognized throughout his career for his strategic, collaborative and charismatic approach to achieving exceptional results. In 2014 Insurance Business magazine named him one of Canada's Hottest Insurance Professionals and in 2016 he won the Chicago Daily Herald Business Ledger's award for Outstanding Services to Entrepreneurs.&nbsp;</span></div> <div><span style="font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></span></div> <div><span style="font-size:10.00pt;">&nbsp;</span></div> <div><span style="font-size:10.00pt;">Joe loves inspiring bankers to achieve extraordinary careers and has enthusiastically facilitated over 100 bank conferences across the globe. He is intensely passionate about creating a better quality of life for bankers &amp;. and his four daughters.</span></div> <div><span style="color:black;font-family:'Arial';font-size:12.00pt;">&nbsp;</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;"></span> &nbsp;</div>

<div><span style="font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;">Joe is an Award Winning Banker and Sales Expert with over 28 years of banking and sales leadership experience in Australia, Canada and the USA. This valuable global experience has ideally positioned Joe to share insights on universal best practices for growing your Bank and your career</span>.</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></div> <div>&nbsp;</div> <div><span style="font-size:10.00pt;">He has been recognized throughout his career for his strategic, collaborative and charismatic approach to achieving exceptional results. In 2014 Insurance Business magazine named him one of Canada's Hottest Insurance Professionals and in 2016 he won the Chicago Daily Herald Business Ledger's award for Outstanding Services to Entrepreneurs.&nbsp;</span></div> <div><span style="font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></span></div> <div><span style="font-size:10.00pt;">&nbsp;</span></div> <div><span style="font-size:10.00pt;">Joe loves inspiring bankers to achieve extraordinary careers and has enthusiastically facilitated over 100 bank conferences across the globe. He is intensely passionate about creating a better quality of life for bankers &amp;. and his four daughters.</span></div> <div><span style="color:black;font-family:'Arial';font-size:12.00pt;">&nbsp;</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;"></span> &nbsp;</div>

<div><span style="font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;">Joe is an Award Winning Banker and Sales Expert with over 28 years of banking and sales leadership experience in Australia, Canada and the USA. This valuable global experience has ideally positioned Joe to share insights on universal best practices for growing your Bank and your career</span>.</span></div> <div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></div> <div>&nbsp;</div> <div><span style="font-size:10.00pt;">He has been recognized throughout his career for his strategic, collaborative and charismatic approach to achieving exceptional results. In 2014 Insurance Business magazine named him one of Canada's Hottest Insurance Professionals and in 2016 he won the Chicago Daily Herald Business Ledger's award for Outstanding Services to Entrepreneurs.&nbsp;</span></div> <div><span style="font-size:10.00pt;"><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span></span></div> <div><span style="font-size:10.00pt;">&nbsp;</span></div> <div><span style="font-size:10.00pt;">Joe loves inspiring bankers to achieve extraordinary careers and has enthusiastically facilitated over 100 bank conferences across the globe. He is intensely passionate about creating a better quality of life for bankers &amp;. and his four daughters.</span></div> <div><span style="color:black;font-family:'Arial';font-size:12.00pt;">&nbsp;</span></div> <div><span style="font-family:'Arial';font-size:10.00pt;"></span> &nbsp;</div>

<div><span style="font-size:10.00pt;">Chuck's leadership profile encompasses over 30 years of consumer finance, mortgage banking, commercial and retail banking; enterprise credit risk and executive management experience. &nbsp;He served as Deputy Superintendent of The Ohio Department of Financial Institutions and President of the Ohio Mortgage Bankers Association from 2017-2018. He was recognized in 2013 by Business First as one of the "20 people to know in Banking and Finance". Chuck accolades also include: Gubernatorial board trustee member the Ohio Police and Fire Pension fund. Veteran of the United States Marine Corps and Army National Guard. Frequent speaker regarding the Financial Services Industry, Leadership and Public Service.</span></div><p>&nbsp;<img/></p><p>&nbsp;</p>

<span style="font-size:10Pt;"><b>Rob Newberry</b>, advisor, ABRIGO,&nbsp;<span style="font-family: 'Arial'">has</span>&nbsp;more than 20 years of experience in the financial services industry. Rob spent 15 years at Wells Fargo &amp; Co in various strategic and leadership roles. These roles included time in Finance, Servicing, Fair Lending, Pricing Strategy, Business Intelligence and Delivery Innovation. For the past five years, Rob has worked closely with financial institution leaders and regulatory agencies to develop a credit administration suite of tools specifically designed for community banks. Rob is a faculty member of the Graduate School of Banking in Madison, Wisconsin. Rob also teaches for both the Financial Managers Society and LexisNexis Sheshunoff eLearning on topics ranging from loan grading, ALLL calculations, and stress testing</span>

<p>C. Allen Nichols possesses a BS in Industrial Management from the University of Akron (Eta Chapter, 1989), a Master of Library Science degree from Kent State University, and an MBA from Mississippi State University. Allen worked for Ohio public libraries for over 32 years and left library life in 2013 after sixteen years as director of the Wadsworth Public Library and its Foundation to become Executive Director of the Akron Bar Association and Foundation. In Spring 2019 he was additionally named CEO of Ohio Notary Services LLC, a newly created subsidiary of the Akron Bar Association. </p> <p>Allen has focused on service throughout his personal and professional lives. He has served the bar association and library professions through participation in various statewide and national organizations, including terms as president of the Ohio Library Association, Ohio Metropolitan Bar Association Consortium, and Conference of Metropolitan Bar Associations. In 2020, Allen was named a recipient of the Dr. Frank L Simonetti Distinguished Business Alumni Award from the University of Akron’s College of Business Administration. Allen is the Executive Vice Chairman of Volunteer Services for the PGA TOUR Champions Kaulig Companies Championship. As president of the Northern Ohio Golf Charities Foundation, he is responsible for distributing the proceeds from the Championship to local non-profits. He is the Chapter Advisor for Delta Tau Delta’s Iota Iota Chapter at John Carroll University in Cleveland as well as a Regional Governor for the Fraternity.</p>

<p>Ben Pankonin is the founder of Social Assurance, a software solutions company that brings marketing, sales and community development tools to financial brands. As the founder and CEO, he led Social Assurance from an idea to working with over 20% of banks and credit unions in the United States.</p>

<p><span style="font-size:10.0pt;line-height:107%; font-family:&quot;Arial&quot;,sans-serif;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">As a partner in Plante Moran’s Ohio-based financial institutions practice, <b>Scott Phillips</b>, CPA, CIA, is responsible for the delivery of best-in-class service and providing risk management and financial statement audit services to clients in the financial services industry. He works primarily with publicly traded and privately held financial institutions and other financial services entities. With 15 years of experience, Scott is often asked to speak to clients and their audit committees on current topics in the financial institutions industry and the impact on their organization. He belongs to the AICPA, the Ohio Society of CPAs and the Institute of Internal Auditors. He is the board treasurer for the Values in Action Foundation and received a B.A. in management from Wittenberg University and an M.S. in accounting from The Ohio State University. <br/> <br/> </span>&nbsp;</p>

<p><span style="font-size:10Pt;"><span class="ui-provider fy b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak" dir="ltr"><span style="font-family: 'Arial'">Jason Pruitt has been in the banking industry for almost 30 years, beginning his banking career in 1990 with Roswell Bank in Roswell, GA. He has served in various senior lending positions for First Union, Bank of North Georgia and Fidelity Bank. In 2002, Jason was recruited by his banking mentor to be the Senior Vice President and Director of Member Services of the Community Bankers Association of Georgia. For the past 9 years, he has served in the Financial Solutions Group at CRS Data, a real estate data company, assisting Financial Institutions, State MLS groups, appraisers and other industries across the U.S. &nbsp;Jason is a graduate of Reinhardt University, as well as the LSU School of Banking.&nbsp;&nbsp;</span></span></span><span style="font-family:Arial; font-size:10Pt;">&nbsp;</span></p>

<p><span style="font-size:10Pt;"><span class="ui-provider fy b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak" dir="ltr"><span style="font-family: 'Arial'">Jason Pruitt has been in the banking industry for almost 30 years, beginning his banking career in 1990 with Roswell Bank in Roswell, GA. He has served in various senior lending positions for First Union, Bank of North Georgia and Fidelity Bank. In 2002, Jason was recruited by his banking mentor to be the Senior Vice President and Director of Member Services of the Community Bankers Association of Georgia. For the past 9 years, he has served in the Financial Solutions Group at CRS Data, a real estate data company, assisting Financial Institutions, State MLS groups, appraisers and other industries across the U.S. &nbsp;Jason is a graduate of Reinhardt University, as well as the LSU School of Banking.&nbsp;&nbsp;</span></span></span><span style="font-family:Arial; font-size:10Pt;">&nbsp;</span></p>

<p><span style="font-family:Arial; font-size:10Pt;">Robb Rempel, senior executive vice president of client services, leads the profitability, research and marketing implementation teams at Haberfeld. With more than 20 years of experience in the financial services industry, Robb has worked with financial institutions of all sizes as both a consultant and an account executive. An experienced facilitator and presenter, Robb helps bank executives and their teams implement targeted strategies to drive ongoing growth and enhance overall profitability. Robb is a graduate of the University of Nebraska.</span></p>

<p><span style="font-family:Arial; font-size:10Pt;">Robb Rempel, senior executive vice president of client services, leads the profitability, research and marketing implementation teams at Haberfeld. With more than 20 years of experience in the financial services industry, Robb has worked with financial institutions of all sizes as both a consultant and an account executive. An experienced facilitator and presenter, Robb helps bank executives and their teams implement targeted strategies to drive ongoing growth and enhance overall profitability. Robb is a graduate of the University of Nebraska.</span></p>

<div style="border:solid #e1e1e1 1.0pt; padding:0in 0in 0in 0in"> <p style="border:none; padding:0in"><span style="font-size:12pt"><span style="font-family:&quot;Times New Roman&quot;,serif"><span style="font-family:&quot;Segoe UI&quot;,sans-serif"><span style="color:#1f2322">Bill Smith is a member of Chatham’s Financial Institutions team and serves on the Balance Sheet Risk Management practice assisting clients with structuring and executing strategies that manage their interest rate risk profile. Bill graduated from the Pennsylvania State University with his bachelor’s degree in finance and a minor in economics.</span></span></span></span></p> </div>

<p style="margin-top:5px"><span style="font-size:12pt"><span style="vertical-align:baseline"><span style="font-family:&quot;Times New Roman&quot;,serif"><span style="font-family:&quot;Verdana&quot;,sans-serif"><span style="color:black">Anthony Snow is a Sales Development Specialist with The Plateau Group. His responsibilities are to develop and deliver education, tools and influence to the front line and to develop lending professionals and line managers in meeting their sales and fee income goals. Anthony has over 30 years in consumer and mortgage lending, employee development, sales leadership and over 15 years direct debt cancelation and consumer credit insurance experience. This combination provides lending institutions with a partner who shares in <i>and</i> drives your sales goals. </span></span></span></span></span><span style="font-size:12pt"><span style="vertical-align:baseline"><span style="font-family:&quot;Times New Roman&quot;,serif"><span style="font-family:&quot;Verdana&quot;,sans-serif"><span style="color:black">Anthony Snow is a Sales Development Specialist with The Plateau Group. His responsibilities are to develop and deliver education, tools and influence to the front line and to develop lending professionals and line managers in meeting their sales and fee income goals. Anthony has over 30 years in consumer and mortgage lending, employee development, sales leadership and over 15 years direct debt cancelation and consumer credit insurance experience. This combination provides lending institutions with a partner who shares in and drives your sales goals. </span></span></span></span></span></p>

<div><span style="color:black;font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="font-family:'Arial';">Joe Sullivan is CEO of Market Insights, Inc. He has 20 years of providing consulting and education to financial services organizations to push them beyond conventional thinking. He provides a unique mix of sound market research, business strategy and planning skills packaged with the visionary leadership and facilitation expertise to dissolve organizational barriers and help the client achieve results.</span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="font-family:'Calibri';">&nbsp;</span></span></div><div>&nbsp;</div>

<div><span style="color:black;font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="font-family:'Arial';">Joe Sullivan is CEO of Market Insights, Inc. He has 20 years of providing consulting and education to financial services organizations to push them beyond conventional thinking. He provides a unique mix of sound market research, business strategy and planning skills packaged with the visionary leadership and facilitation expertise to dissolve organizational barriers and help the client achieve results.</span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="font-family:'Calibri';">&nbsp;</span></span></div><div>&nbsp;</div>

<div><span style="color:black;font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="font-family:'Arial';">Joe Sullivan is CEO of Market Insights, Inc. He has 20 years of providing consulting and education to financial services organizations to push them beyond conventional thinking. He provides a unique mix of sound market research, business strategy and planning skills packaged with the visionary leadership and facilitation expertise to dissolve organizational barriers and help the client achieve results.</span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="font-family:'Calibri';">&nbsp;</span></span></div><div>&nbsp;</div>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Dave Sweeney is a managing director and leads Chatham&#39;s Investment and Treasury Advisors Team. Prior to joining Chatham, Dave spent 14 years with Ernst &amp; Young as a principal in the Financial Institutions practice and ASC 815 (FAS 133) subject matter expert. Dave served as treasurer and chief investment officer for two community banks managing over $1 billion in investment securities, overseeing more than $1 billion in wholesale funding and managing the Asset/Liability Management process. Dave also has experience marketing and selling interest rate derivative products to commercial bank loan customers. Dave graduated from the Pennsylvania State University with a B.S. in Accounting with Honors and Distinction, is a Certified Public Accountant and has earned the Chartered Financial Analyst designation.</span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;">&nbsp;</span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;"></span></div>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;">Dave Sweeney is a managing director and leads Chatham&#39;s Investment and Treasury Advisors Team. Prior to joining Chatham, Dave spent 14 years with Ernst &amp; Young as a principal in the Financial Institutions practice and ASC 815 (FAS 133) subject matter expert. Dave served as treasurer and chief investment officer for two community banks managing over $1 billion in investment securities, overseeing more than $1 billion in wholesale funding and managing the Asset/Liability Management process. Dave also has experience marketing and selling interest rate derivative products to commercial bank loan customers. Dave graduated from the Pennsylvania State University with a B.S. in Accounting with Honors and Distinction, is a Certified Public Accountant and has earned the Chartered Financial Analyst designation.</span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;">&nbsp;</span></div> <div><span style="font-family:'Calibri';font-size:11.00pt;"></span></div>

<p style="font-size:10Pt;"><span style="font-family: 'Arial'">Nathan is a highly experienced attorney with a proven track record of success in</span><br/><span style="font-family: 'Arial'">general corporate litigation and appellate advocacy. He has assisted clients in</span><br/><span style="font-family: 'Arial'">complex legal matters, including sophisticated business disputes, original actions</span><br/><span style="font-family: 'Arial'">before the Ohio Supreme Court, and traditional appeals. Before joining the firm,</span><br/><span style="font-family: 'Arial'">Nathan served as a law clerk to the Honorable Pierre H. Bergeron, Ohio First</span><br/><span style="font-family: 'Arial'">District Court of Appeals, and as a judicial intern for the Honorable Amul R.</span><br/><span style="font-family: 'Arial'">Thapar, United States Court of Appeals for the Sixth Circuit, and the Honorable</span><br/><span style="font-family: 'Arial'">Susan J. Dlott, United States District Court, Southern District of Ohio,</span><br/><span style="font-family: 'Arial'">providing him with valuable insights into the court system that he leverages to</span><br/><span style="font-family: 'Arial'">achieve favorable results for his clients.</span><br/><span style="font-family: 'Arial'">Nathan earned his law degree from NKU Salmon P. Chase College of Law,</span><br/><span style="font-family: 'Arial'">where he served as Editor-in-Chief of the Northern Kentucky Law Review and</span><br/><span style="font-family: 'Arial'">graduated as a member of the W. Bruce Lunsford Academy for Law, Business +</span><br/><span style="font-family: 'Arial'">Technology honors program. He began his career at Frost Brown Todd as a</span><br/><span style="font-family: 'Arial'">Summer Associate in 2018 and 2019 and has continued to develop his expertise</span><br/><span style="font-family: 'Arial'">and reputation within the firm. Nathan is also dedicated to giving back to the</span><br/><span style="font-family: 'Arial'">community through pro bono work, civic engagement, and promoting diversity</span><br/><span style="font-family: 'Arial'">and inclusion in the legal profession.</span><span style="font-family: 'Arial'">&nbsp;</span></p>