<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>Chris Chapman is a Managing Director on Janney’s Depository Investment Banking Team.</p> <p>He has over 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.</p> <p>Prior to joining Janney, Chris was a Managing Director with Boenning & Scattergood in Cleveland. He has held roles at boutique merchant banking firm Paragon Capital Group / ParaCap Group, as well as full-service investment banks Stifel Nicolaus and Ryan Beck, where he advised financial institutions and real estate companies. He also has experience in sell-side equity research with KeyBank Capital Markets and buy-side analysis with Mayfair International.</p> <p>Chris earned a BA in Economics and Mathematics with a concentration in Statistics from Ohio Wesleyan University and an MBA in Finance from the McCombs School of Business at the University of Texas. He is registered with FINRA and holds his Series 7, 63, 86 and 87 licenses.</p>

<p>Chris specializes in all Real Estate types at Auction. With a background in real estate finance, mortgage lending, and fluent in the use of social media marketing, Chris understands and excels at the process of selling real estate at auction in today's market. Chris also oversees the Client/Creditor relationships that take place leading up to foreclosure. Chris has a bachelor's in Business Administration from Southeastern University in Lakeland, Florida. He is also a graduate of The Ohio Auction School, member of The Ohio & National Auctioneers Association, and real estate Licensee of Florida and Ohio.</p>

<div> <p>Charlie Crowley is a Managing Director on Janney’s Depository Investment Banking Team.</p> <p>He has over 30 years of industry experience and specializes in capital raising and providing merger advisory services for financial services companies. He has successfully advised clients on dozens of transactions through various market cycles.</p> <p>Prior to joining Janney, Charlie was a Managing Director with Boenning & Scattergood in Cleveland. He has also held roles at boutique merchant banking firm Paragon Capital Group / ParaCap Group, as well as full-service investment banks Stifel Nicolaus / Ryan Beck, Friedman Billings Ramsey (FBR) and McDonald & Company Securities, Inc.</p> <p>Charlie earned a BS in Economics with a concentration in Accounting and an MBA in Finance from the Wharton School of the University of Pennsylvania. He is registered with FINRA and holds his Series 7, 63 and 24 licenses.</p> </div> <div><span style="font-size:10.00pt;"> </span></div> <div><span style="font-size:10.00pt;"><span style="font-family:'Arial';font-size:10.00pt;"> </span></span></div> <div> </div>

<div><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:10.0pt"><span style="font-family:&quot;Arial&quot;,sans-serif"><span style="color:black">Amber Farley, Partner & EVP of Brand Development at FMS, is a well-known and respected teacher, presenter, consultant and thought leader on bank branding, strategic marketing, leadership, social and digital media 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></span></span></span></span></div> <div> </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>

<div><span style="color:black;font-family:'Arial';font-size:10.00pt;"></span> </div><p style="font-size:10Pt;"><span style="font-family: 'Arial'">Since 1991, Tom Hauck served as managing director and principal at ProBank Austin until September of 2022. He began his career with the firm as a financial analyst in 1991 and worked in various roles throughout his tenure. On October 1, 2022 ProBank Austin merged with FORVIS, where he is now a Director with his new firm. His primary role is consulting with his bank clients in the areas of asset/liability management, interest rate risk, liquidity risk and investments. He utilizes his experience in working with a diverse client base to assist them in developing strategies for earnings and margin enhancement and risk mitigation. He is also active in strategic planning, banker/ director education and other areas of financial performance.&nbsp; He has served as the facilitator for the OBL CFO Forum since its inception in 2014. He earned a Masters of Business Administration degree from the University of Toledo after having received a Bachelor of Science degree from Eastern Michigan University.&nbsp;</span></p>

<p class="MsoNormal"><b><span style="font-size:10.0pt;line-height:107%; font-family:&quot;Arial&quot;,sans-serif">Ryan Hayhurst </span></b><span style="font-size:10.0pt;line-height:107%;font-family:&quot;Arial&quot;,sans-serif">joined The Baker Group in 1991 and is now a managing director and member of the board of directors.&nbsp;Ryan serves as manager of the Financial Strategies Group and oversees the design and implementation of investment and asset/liability strategies for financial institutions.&nbsp;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 portfolio (APM) and their overall interest rate risk profile (IRRM). Ryan regularly develops and presents educational seminars nationwide with a focus on investment and interest rate risk management.&nbsp;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.<o:p></o:p></span></p> <p>&nbsp;</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><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>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><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-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>

<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';font-size:10.00pt;">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></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;">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></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;">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></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>

<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>