<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;">David is a principal and cybersecurity consultant with ten years of experience in the Offensive Cybersecurity field. He has experience in networking, Linux, and managing a Microsoft Windows domain. Currently, he performs, and provides project management for, penetration testing, vulnerability assessments, and social engineering engagements within a wide range of industries.</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">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><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;">Tory Bird is a Senior Manager of Marketing &amp; Strategic Products with over 15 years of experience across banking, insurance, fintech, and relationship sales. Known for a dynamic leadership style that emphasizes relationship building and collaboration, Tory excels in marketing research and analysis, social media optimization, digital analytics, and online content creation. He holds certifications in analytics, campaign management, and solution optimization by Google, and in leadership principles by Harvard Business School. Tory's commitment to continuous growth has cultivated teams that consistently achieve high performance, prioritizing collaboration and teamwork to drive innovation and success.</span></span></p>

<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:Calibri, sans-serif;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Nicole is a manager with Family Legacy in the firm’s Columbus office. She advises clients in the design and implementation of customized estate plans to help minimize stress. Nicole is known for working with clients to create a comprehensive estate plan that will minimize taxes, preserve family wealth, and set up beneficiaries for success while considering family dynamics, asset protection, and estate and income taxes.</span></span></p>

<p style="-webkit-text-stroke-width:0px;color:rgb(0, 0, 0);font-family:&quot;Times New Roman&quot;;font-size:medium;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Don Boyd is the Vice President of State Government Relations and General Counsel for the Ohio Bankers League and joined the OBL Team in 2018. He is responsible for lobbying members of the Ohio General Assembly, the Governor, and Ohio’s Congressional Delegation on behalf of Ohio’s banking industry as well as representing the industry on litigation matters and handling the Association’s legal needs. The OBL is the foremost trade association for the Ohio banking industry. The non-profit association is comprised of more than170 FDIC-insured financial institutions including commercial banks, savings banks, and savings and loan associations ranging in size from just over $14 million in assets to more than $3.5 trillion and employing over 60,000 Ohioans.</span></p><p style="-webkit-text-stroke-width:0px;color:rgb(0, 0, 0);font-family:&quot;Times New Roman&quot;;font-size:medium;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Don previously worked as Director of Labor and Legal Affairs at the Ohio Chamber of Commerce, lobbying on behalf of Ohio’s business community on employment law, labor relations, insurance, tort reform and other general human resource issues, and as staff legal counsel at the Ohio Automobile Dealers Association. He is the immediate past President of the Ohio Lobbying Association Board of Trustees. Don holds a B.A. from The Ohio State University where he majored in Political Science and minored in Public Policy. Don obtained his Juris Doctor Degree Cum Laude from Capital University Law School. He is an active member of the Ohio Bar.</span></p>

<p><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Mikelle Brady is a bank efficiency, profit improvement, and strategic planning consultant with over 20 years of experience in the industry. Her expertise in the retail banking, capacity planning, project management, and strategic visioning arenas help Profit Resources, Inc. partner with community banks of all sizes to operate more efficiently and effectively. Mikelle is an instructor at the ABA Stonier Graduate School of Banking, teaching Strategies for Increasing Non-Interest Income.&nbsp;</span></p>

<div style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;color:rgb(0, 0, 0);font-family:&quot;Segoe UI&quot;, &quot;Segoe UI Web (West European)&quot;, -apple-system, BlinkMacSystemFont, Roboto, &quot;Helvetica Neue&quot;, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:15px;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-emoji:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:inherit;margin:0px;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;"><p style="font-family:Aptos, sans-serif;font-size:12pt;margin:0px;"><span style="color:black;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;" data-olk-copy-source="MessageBody">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 the Virginia Bar Association.&nbsp;</span></span></p></div><div style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;color:rgb(0, 0, 0);font-family:&quot;Segoe UI&quot;, &quot;Segoe UI Web (West European)&quot;, -apple-system, BlinkMacSystemFont, Roboto, &quot;Helvetica Neue&quot;, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:15px;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-emoji:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:inherit;margin:0px;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;"><p style="font-family:Aptos, sans-serif;font-size:12pt;margin:0px;"><span style="color:black;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">&nbsp;</span></span></p></div><div style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;color:rgb(0, 0, 0);font-family:&quot;Segoe UI&quot;, &quot;Segoe UI Web (West European)&quot;, -apple-system, BlinkMacSystemFont, Roboto, &quot;Helvetica Neue&quot;, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:15px;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-emoji:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:inherit;margin:0px;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;"><p style="font-family:Aptos, sans-serif;font-size:12pt;margin:0px;"><span style="color:inherit;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">Nelson represents employers in a broad range of employment-related disputes, ranging from employment discrimination/harassment claims to non-compete and other restrictive covenant litigation and from wage/hour lawsuits to proceedings before the National Labor Relations Board (NLRB).</span></span></p><p style="font-family:Aptos, sans-serif;font-size:12pt;margin:0px;">&nbsp;</p><div style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;color:rgb(0, 0, 0);font-family:&quot;Segoe UI&quot;, &quot;Segoe UI Web (West European)&quot;, -apple-system, BlinkMacSystemFont, Roboto, &quot;Helvetica Neue&quot;, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:15px;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-emoji:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:inherit;margin:0px;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;"><p style="font-family:Aptos, sans-serif;font-size:12pt;margin:0px;"><span style="color:black;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;" data-olk-copy-source="MessageBody">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></span><span style="color:inherit;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">&nbsp;</span></span></p></div><div style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;color:rgb(0, 0, 0);font-family:&quot;Segoe UI&quot;, &quot;Segoe UI Web (West European)&quot;, -apple-system, BlinkMacSystemFont, Roboto, &quot;Helvetica Neue&quot;, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:15px;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-emoji:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:inherit;margin:0px;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;"><p style="font-family:Aptos, sans-serif;font-size:12pt;margin:0px;"><span style="color:black;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">&nbsp;</span></span></p></div><div style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;color:rgb(0, 0, 0);font-family:&quot;Segoe UI&quot;, &quot;Segoe UI Web (West European)&quot;, -apple-system, BlinkMacSystemFont, Roboto, &quot;Helvetica Neue&quot;, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:15px;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-emoji:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:inherit;margin:0px;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;"><p style="font-family:Aptos, sans-serif;font-size:12pt;margin:0px;"><span style="color:black;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">Nelson received his J.D. </span><i><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">summa cum laude</span></i><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">&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="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;"> </span></i><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">He received his B.A. </span><i><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">summa cum laude</span></i><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">&nbsp;from Albion College</span><i><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">, </span></i><span style="border-width:0px;font-family:Arial, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:inherit;font-variant:inherit;font-variation-settings:inherit;font-weight:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline;">where he was a member of Phi Beta Kappa.</span></span></p></div></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>

<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>

<div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Chuck Diulus, an alumnus of The Pennsylvania State University, boasts over three decades of experience in the realms of Electronic Funds Transfer (EFT), banking, and fintech. His career has encompassed various sales and management positions with Mellon Network Services, Elan, Fiserv, FIS, NXTsoft, and other industry-leading firms. Among the innovative solutions under Diulus's purview is TAFraudSentry, an exciting AI-powered fraud and compliance solution designed to empower financial institutions in their battle against check fraud, safeguarding against elder and exploitation fraud, and ensuring regulatory compliance.&nbsp;</span></div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;">&nbsp;</div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;">&nbsp;</div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;">&nbsp;</div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;">&nbsp;</div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;">&nbsp;</div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><br>&nbsp;</div>

<div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Jason Drake is the Strategy and Analytics Director for TerraStrat, a Columbus-based provider of data science solutions to the banking industry. Jason has spent his entire career in financial services, leading data and analytic teams for over 25 years.</span></div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;">&nbsp;</div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Prior to TerraStrat, Jason was Chief Data Officer at Grange Insurance. He has also headed data and analytics departments at Wells Fargo, JPMorgan Chase, Huntington, and ABN-AMRO banks in Charlotte, Columbus, and Chicago. His experience spans predictive modeling, marketing analytics, market research, data governance and management, and branch strategy.</span></div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;">&nbsp;</div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Jason has a BA from the University of Virginia and an MBA from Indiana University.&nbsp;</span></div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><br>&nbsp;</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:Calibri, sans-serif;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">John is a Relationship Manager with Plante Moran Financial Advisors. He specializes in providing holistic wealth management services to high-net-worth individuals and families, helping them meet their goals through comprehensive planning strategies. John assists with retirement planning, investment strategy, tax planning, and wealth transfer techniques, while also serving as the group Subject Matter Expert on Executive Compensation.</span></span></p>

<p style="-webkit-text-stroke-width:0px;color:rgb(0, 0, 0);font-family:&quot;Times New Roman&quot;;font-size:medium;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Christie Drexler is the President and Founder of Drexler Consulting, LLC, a financial services consulting and training business, which offers training and other programs in Commercial Lending, Retail Banking, Leadership, and Sales and Service. Our clients include banks and banking associations across the United States.</span></p><p style="-webkit-text-stroke-width:0px;color:rgb(0, 0, 0);font-family:&quot;Times New Roman&quot;;font-size:medium;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">In addition, Christie has twenty-six years of direct experience in the financial services industry, working for both community and large regional banks. Her experience has been expansive to include successfully navigating retail and commercial banking careers. She has served as Division President, Market President, Chief Credit Officer, Chief Retail Officer, and Regional Sales &amp; Service Manager. Christie has a B.S. in Finance from Berry College and an MBA from Georgia College and State University. She is a passionate facilitator and coach who strives to live the values and leadership strategies she teaches in her training programs.</span></p>

<div class="ewa-rteLine" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:Calibri;font-size:14.6667px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:pre-wrap;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Kylee Durbin, CRCM, is a Manager with Forvis Mazars. Ms. Durbin began her career as a teller at a small community bank over twenty years ago. She gained knowledge of bank operations working at small and mid-sized community banks in Illinois and Kentucky. Her previous experience as the Director and Audit and Compliance allowed her to develop audit and compliance programs through evaluating the effectiveness of internal controls and identifying any weaknesses or gaps that may put an institution at risk. The last ten years of her career have been focused transforming critically deficient compliance programs into proactive strong programs.</span></div><div class="ewa-rteLine" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:Calibri;font-size:14.6667px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:pre-wrap;widows:2;word-spacing:0px;">&nbsp;</div><div class="ewa-rteLine" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:Calibri;font-size:14.6667px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:pre-wrap;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Ms. Durbin is a Certified Regulatory Compliance Manager (CRCM).</span></div>

<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><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:Aptos, sans-serif;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">John Furniss is a partner at the law firm Vorys, Sater, Seymour and Pease LLP. John represents individuals, including professionals, executives and business owners, as well as families in connection with all aspects of estate planning, charitable giving, business succession planning and estate, gift and generation-skipping transfer tax planning.&nbsp; He also represents fiduciaries and beneficiaries in the administration of trusts and probate estates as well as in disputes involving trusts and estates, including will contests, trust contests and tax audits and controversies.&nbsp; In addition, John represents tax-exempt organizations in matters related to their tax-exempt status, planned gifts from their donors and their endowments. John is a fellow of the American College of Trust and Estate Counsel (ACTEC) and is active in committees at both the national and state levels.&nbsp; He currently serves as ACTEC's state chair for Ohio and region chair for the Great Lakes Region.&nbsp; He is also a member of the Ohio State Bar Association, where he serves on the Executive Committee for the Estate Planning, Trust and Probate Law Section Council.&nbsp; In addition, John is a member of the Editorial Advisory Board for the&nbsp;</span></span><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;"><i style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);font-family:Aptos, sans-serif;font-size:14.6667px;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Probate Law Journal of Ohio</i></span><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:Aptos, sans-serif;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">&nbsp;and is active in many other professional and civic organizations.</span></span></p>

<p><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="font-family:&quot;Times New Roman&quot;,serif;line-height:115%;">Katie Gazley is a Principal at GAD Insurance and sole owner of the Financial Institution book of business.&nbsp; For 20 years she has focused exclusively on working with hundreds of Financial Institutions, providing insurance and risk management solutions, including Directors &amp; Officers Liability, Financial Institution Bond, Cyber Liability and Force Placed Insurance among other Property and Casualty offerings.&nbsp; &nbsp;Being an independent agent is the hallmark to her successful client first approach due to the meaningful relationships she maintains with the leading FI focused underwriters.&nbsp; Prior to joining GAD in 2008, she started her career in banking at Fifth Third in Cincinnati, Ohio.&nbsp; She graduated from Xavier University in 2005 with a B.S.B.A in Economics.</span></span></p>

<p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:inherit;color:rgb(73, 73, 73);font-family:adobe-garamond-pro, serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:300;letter-spacing:normal;line-height:1.4;margin-bottom:20px;margin-top:0px;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Ryan focuses on general corporate litigation, closely held business and shareholder litigation, media law, business tort and contract actions, and appeals. He has led a variety of work for both plaintiffs and defendants in creditor-debtor actions, including the administration of assignments for the benefit of creditors; construction suits; trade secret litigation; and real estate disputes. Ryan also has achieved significant appellate victories for clients in the areas of medical malpractice defense, closely held corporations, government contracting, and media law before the Supreme Court of Ohio, intermediate Ohio appellate courts, the Ninth Circuit Court of Appeals, and the West Virginia Supreme Court of Appeals. Ryan’s media law practice has involved the recent successful defense of multimillion dollar defamation claims against several media conglomerates. He also has experience in helping clients navigate probate litigation, as well as liquor license and permitting laws in Ohio.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);box-sizing:inherit;color:rgb(73, 73, 73);font-family:adobe-garamond-pro, serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:300;letter-spacing:normal;line-height:1.4;margin-bottom:20px;margin-top:0px;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Prior to joining the firm, Ryan worked as a Legal Intern at the University of Deusto in Bilbao, Spain, where he collaborated with prominent scholars at a renowned human rights institute. While attending the University of Cincinnati College of Law, Ryan served as a research assistant to several professors and co-authored an amicus brief to the North Carolina Supreme Court, wrote for and chaired the University of Cincinnati Law Review’s Blog, and served as a Senior Articles Editor on Human Rights Quarterly.</span></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 style="-webkit-text-stroke-width:0px;color:rgb(0, 0, 0);font-family:&quot;Times New Roman&quot;;font-size:medium;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Billy is a Managing Director at Darling Consulting Group, working directly with financial institution executives to leverage data analytics to support strategic deposit decisions through Deposits360°®, DCG’s proprietary tool. In addition to supporting deposit strategy, he also educates DCG’s client base on developing and understanding key deposit assumptions utilized in risk models.</span></p><p style="-webkit-text-stroke-width:0px;color:rgb(0, 0, 0);font-family:&quot;Times New Roman&quot;;font-size:medium;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Billy began his career with DCG in 2008. He is a graduate of the University of New Hampshire with a degree in finance and management.</span></p>

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

<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="704634771" paraeid="{016bb7ed-de60-433a-bd8e-f2a5ce98d809}{231}"><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" data-ccp-parastyle-defn="{&quot;ObjectId&quot;:&quot;b06be2b9-e56e-439e-a034-35fa5b31e57b|240&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[469777841,&quot;Arial&quot;,469777844,&quot;Arial&quot;,469769226,&quot;Arial&quot;,268442635,&quot;20&quot;,335559740,&quot;280&quot;,201341983,&quot;1&quot;,335559739,&quot;120&quot;,335559738,&quot;120&quot;,201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777842,&quot;Arial&quot;,469777843,&quot;Times New Roman&quot;,201341986,&quot;1&quot;,335559704,&quot;1025&quot;,335559705,&quot;1033&quot;,335551547,&quot;1033&quot;,469775450,&quot;FORVIS_Bio Text&quot;,201340122,&quot;2&quot;,134234082,&quot;true&quot;,134233614,&quot;true&quot;,469778129,&quot;FORVISBioText&quot;,335572020,&quot;1&quot;,335551500,&quot;0&quot;,469777929,&quot;FORVIS_Bio Text Char&quot;,469778324,&quot;Normal&quot;]}" data-ccp-parastyle-linked-defn="{&quot;ObjectId&quot;:&quot;b06be2b9-e56e-439e-a034-35fa5b31e57b|242&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Arial&quot;,469777842,&quot;Arial&quot;,469777843,&quot;Times New Roman&quot;,469777844,&quot;Arial&quot;,201341986,&quot;1&quot;,469769226,&quot;Arial,Times New Roman&quot;,268442635,&quot;20&quot;,469775450,&quot;FORVIS_Bio Text Char&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;FORVISBioTextChar&quot;,335572020,&quot;1&quot;,134231262,&quot;true&quot;,335551500,&quot;0&quot;,469777929,&quot;FORVIS_Bio Text&quot;,469778324,&quot;Default Paragraph Font&quot;]}">Tom</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"> is a managing director of the Enterprise Risk &amp; 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><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:&quot;Times New Roman&quot;;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Kyle Hershberger is the CEO and Jack-of-All-Trades at Cross Financial. Kyle’s industry expertise comes from decades of working with financial institutions across the nation. Kyle is a frequent presenter at banking industry conferences and seminars and a member of the faculty at the Graduate School of Banking at the University of Wisconsin. He also serves as an instructor for the Independent Community Bankers of America. Kyle is a third-generation banker and a second-generation consultant.</span></span></p>

<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;">Tom Hershberger is the CEO and founder of Cross Financial, a consulting firm specializing in planning, sales and marketing support services for community banks. Tom and his team help banks optimize their business planning, staff development, customer experience management, market research, and brand management. Tom is a faculty member for the Graduate School of Banking at the University of Wisconsin, and the Schools of Banking in Kansas and Nebraska. He also serves as an instructor for the Independent Community Bankers of America. Tom is the author of Marketing Financial Services, a textbook and online education series offered by the American Bankers Association.&nbsp;</span></span></p>

<p><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:&quot;Times New Roman&quot;;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Kyle Hershberger is the CEO and Jack-of-All-Trades at Cross Financial. Kyle’s industry expertise comes from decades of working with financial institutions across the nation. Kyle is a frequent presenter at banking industry conferences and seminars and a member of the faculty at the Graduate School of Banking at the University of Wisconsin. He also serves as an instructor for the Independent Community Bankers of America. Kyle is a third-generation banker and a second-generation consultant.</span></span></p>

<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;">Tom Hershberger is the CEO and founder of Cross Financial, a consulting firm specializing in planning, sales and marketing support services for community banks. Tom and his team help banks optimize their business planning, staff development, customer experience management, market research, and brand management. Tom is a faculty member for the Graduate School of Banking at the University of Wisconsin, and the Schools of Banking in Kansas and Nebraska. He also serves as an instructor for the Independent Community Bankers of America. Tom is the author of Marketing Financial Services, a textbook and online education series offered by the American Bankers Association.&nbsp;</span></span></p>

<p class="MsoNormal"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Joe is a Managing Director at Darling Consulting Group, where he works directly with senior management teams on building customized balance sheet strategies to improve earnings and manage risk. Joe strives to be an expert in overall Asset Liability Management and educates ALCOs in the inevitable balance of regulatory accountability and financial performance. Joe speaks at numerous industry associations reaching thousands of bankers every year. He is an expert at helping bring clarity to the complex and delivers a high level of energy to his ALM presentations. Joe has been with DCG since 2005, where he has benefited from working with nearly a thousand ALCOs throughout the country on ALM and strategic initiatives. He lives in Boxford, MA with his wife and two daughters and has been an active member of the Big Brothers Big Sisters program. Joe is a graduate of the University of New Hampshire with a degree in finance.<o:p></o:p></span></p><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><br>&nbsp;</div>

<p><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:&quot;Times New Roman&quot;;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Kent Kirby is a retired banker with over 39 years of experience in all aspects of commercial banking: lending, loan review, back-room operations, credit administration, portfolio management and analytics and credit policy. For a number of years, he was the Director of Complex Risk before taking on responsibility for credit policy. He is currently serving as a senior risk management advisor at Abrigo, a banking software and consulting company. In this capacity, Kirby assists financial institutions of all sizes in the review and enhancement of commercial lending and loan review activities, particularly as institutions migrate to an automated solution to meet their needs.</span></span></p>

<p style="--max-font-size:21;--max-margin-bottom:25;--min-font-size:16;--min-margin-bottom:15;--min-margin-top:max(10, calc(var(--max-margin-top) * .5));-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:AvenirNext, Calibri, Arial, sans-serif;font-size:max( var(--min-font-size) * 1px, min( var(--max-font-size) * 1px, var(--min-font-size) * 1px + (var(--max-font-size) - var(--min-font-size)) * ((100vw - var(--fluid-start) * 1px) / (var(--fluid-end) - var(--fluid-start))) ));font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:max( var(--min-margin-bottom) * 1px, min( var(--max-margin-bottom) * 1px, var(--min-margin-bottom) * 1px + (var(--max-margin-bottom) - var(--min-margin-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));margin-top:10px;orphans:2;padding-bottom:max( var(--min-padding-bottom) * 1px, min( var(--max-padding-bottom) * 1px, var(--min-padding-bottom) * 1px + (var(--max-padding-bottom) - var(--min-padding-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));padding-top:max( var(--min-padding-top) * 1px, min( var(--max-padding-top) * 1px, var(--min-padding-top) * 1px + (var(--max-padding-top) - var(--min-padding-top)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Jeff Knight is an attorney in the firm’s Education Law, Privacy and Data Protection, and Intellectual Property groups and he devotes a significant part of his practice to exploring the intersection of technology and law, particularly as it relates to fast-emerging technologies on campus and in business.</span></p><p style="--max-font-size:21;--max-margin-bottom:25;--min-font-size:16;--min-margin-bottom:15;--min-margin-top:max(10, calc(var(--max-margin-top) * .5));-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:AvenirNext, Calibri, Arial, sans-serif;font-size:max( var(--min-font-size) * 1px, min( var(--max-font-size) * 1px, var(--min-font-size) * 1px + (var(--max-font-size) - var(--min-font-size)) * ((100vw - var(--fluid-start) * 1px) / (var(--fluid-end) - var(--fluid-start))) ));font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:max( var(--min-margin-bottom) * 1px, min( var(--max-margin-bottom) * 1px, var(--min-margin-bottom) * 1px + (var(--max-margin-bottom) - var(--min-margin-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));margin-top:10px;orphans:2;padding-bottom:max( var(--min-padding-bottom) * 1px, min( var(--max-padding-bottom) * 1px, var(--min-padding-bottom) * 1px + (var(--max-padding-bottom) - var(--min-padding-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));padding-top:max( var(--min-padding-top) * 1px, min( var(--max-padding-top) * 1px, var(--min-padding-top) * 1px + (var(--max-padding-top) - var(--min-padding-top)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">As an education attorney, he assists clients both in an external general counsel capacity and as a litigator. He understands that educational institutions are their own ecosystems and that the key to success is getting the right stakeholders the right information as efficiently as possible. Though he is well-versed in successfully navigating clients through complex matters ranging from shared governance disputes, to civil rights investigations and federal financial aid compliance, he also has the experience to defend his clients before courts and administrative agencies.</span></p><p style="--max-font-size:21;--max-margin-bottom:25;--min-font-size:16;--min-margin-bottom:15;--min-margin-top:max(10, calc(var(--max-margin-top) * .5));-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:AvenirNext, Calibri, Arial, sans-serif;font-size:max( var(--min-font-size) * 1px, min( var(--max-font-size) * 1px, var(--min-font-size) * 1px + (var(--max-font-size) - var(--min-font-size)) * ((100vw - var(--fluid-start) * 1px) / (var(--fluid-end) - var(--fluid-start))) ));font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:max( var(--min-margin-bottom) * 1px, min( var(--max-margin-bottom) * 1px, var(--min-margin-bottom) * 1px + (var(--max-margin-bottom) - var(--min-margin-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));margin-top:10px;orphans:2;padding-bottom:max( var(--min-padding-bottom) * 1px, min( var(--max-padding-bottom) * 1px, var(--min-padding-bottom) * 1px + (var(--max-padding-bottom) - var(--min-padding-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));padding-top:max( var(--min-padding-top) * 1px, min( var(--max-padding-top) * 1px, var(--min-padding-top) * 1px + (var(--max-padding-top) - var(--min-padding-top)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">In his technology practice, he helps clients achieve and maintain compliance with an ever-changing privacy and data security landscape. He counsels clients on the nuances associated with the Federal Trade Commission Act, Gramm-Leach-Bliley (GLBA), and the EU’s General Data Protection Regulation (GDPR), as well as myriad state privacy laws, including the California Consumer Privacy Act (CCPA), and industry guidelines and standards. While he routinely advises clients on their proactive compliance and risk mitigation strategies, he also regularly assists those that are experiencing significant data security incidents, from the initial response through remediation efforts.</span></p><p style="--max-font-size:21;--max-margin-bottom:25;--min-font-size:16;--min-margin-bottom:15;--min-margin-top:max(10, calc(var(--max-margin-top) * .5));-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:AvenirNext, Calibri, Arial, sans-serif;font-size:max( var(--min-font-size) * 1px, min( var(--max-font-size) * 1px, var(--min-font-size) * 1px + (var(--max-font-size) - var(--min-font-size)) * ((100vw - var(--fluid-start) * 1px) / (var(--fluid-end) - var(--fluid-start))) ));font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:max( var(--min-margin-bottom) * 1px, min( var(--max-margin-bottom) * 1px, var(--min-margin-bottom) * 1px + (var(--max-margin-bottom) - var(--min-margin-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));margin-top:10px;orphans:2;padding-bottom:max( var(--min-padding-bottom) * 1px, min( var(--max-padding-bottom) * 1px, var(--min-padding-bottom) * 1px + (var(--max-padding-bottom) - var(--min-padding-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));padding-top:max( var(--min-padding-top) * 1px, min( var(--max-padding-top) * 1px, var(--min-padding-top) * 1px + (var(--max-padding-top) - var(--min-padding-top)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Beyond data privacy and security, Jeff assists clients with filing trademark and copyright applications with the U.S. Patent and Trademark Office and the U.S. Copyright Office, and provides counsel on clearance searches, filings and registration, maintenance</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 style="--max-font-size:21;--max-margin-bottom:25;--min-font-size:16;--min-margin-bottom:15;--min-margin-top:max(10, calc(var(--max-margin-top) * .5));-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:AvenirNext, Calibri, Arial, sans-serif;font-size:max( var(--min-font-size) * 1px, min( var(--max-font-size) * 1px, var(--min-font-size) * 1px + (var(--max-font-size) - var(--min-font-size)) * ((100vw - var(--fluid-start) * 1px) / (var(--fluid-end) - var(--fluid-start))) ));font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:max( var(--min-margin-bottom) * 1px, min( var(--max-margin-bottom) * 1px, var(--min-margin-bottom) * 1px + (var(--max-margin-bottom) - var(--min-margin-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));margin-top:10px;orphans:2;padding-bottom:max( var(--min-padding-bottom) * 1px, min( var(--max-padding-bottom) * 1px, var(--min-padding-bottom) * 1px + (var(--max-padding-bottom) - var(--min-padding-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));padding-top:max( var(--min-padding-top) * 1px, min( var(--max-padding-top) * 1px, var(--min-padding-top) * 1px + (var(--max-padding-top) - var(--min-padding-top)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">In private practice for more than 14 years, Greg Lestini utilizes his experience within multiple levels of government to help clients navigate complex legal, legislative, and regulatory structures. As a member of the firm’s government relations team, he focuses on using the levers of public policy to the advantage of insurance companies, public corporations, trade associations, and private businesses. Greg is Chair of the Financial Services/Insurance Industry Group. In that role, he leads the strategic direction of the insurance practice and represents insurers, from small mutuals to large stock companies in a variety of corporate and regulatory matters.</span></p><p style="--max-font-size:21;--max-margin-bottom:25;--min-font-size:16;--min-margin-bottom:15;--min-margin-top:max(10, calc(var(--max-margin-top) * .5));-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:AvenirNext, Calibri, Arial, sans-serif;font-size:max( var(--min-font-size) * 1px, min( var(--max-font-size) * 1px, var(--min-font-size) * 1px + (var(--max-font-size) - var(--min-font-size)) * ((100vw - var(--fluid-start) * 1px) / (var(--fluid-end) - var(--fluid-start))) ));font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:max( var(--min-margin-bottom) * 1px, min( var(--max-margin-bottom) * 1px, var(--min-margin-bottom) * 1px + (var(--max-margin-bottom) - var(--min-margin-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));margin-top:10px;orphans:2;padding-bottom:max( var(--min-padding-bottom) * 1px, min( var(--max-padding-bottom) * 1px, var(--min-padding-bottom) * 1px + (var(--max-padding-bottom) - var(--min-padding-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));padding-top:max( var(--min-padding-top) * 1px, min( var(--max-padding-top) * 1px, var(--min-padding-top) * 1px + (var(--max-padding-top) - var(--min-padding-top)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Greg has served as a legislative aide in the Ohio Legislature and at Columbus City Council. In addition, he was chief of staff for the Ohio Senate Minority Caucus, helping lead strategy, talent development, public policy, and other critical initiatives for the minority leader and caucus. In addition, he worked with the AmeriCorps Legal Service Corps following law school, representing low/no-income renters in eviction defense and conditions cases in Toledo and throughout northwest Ohio.</span></p><p style="--max-font-size:21;--max-margin-bottom:25;--min-font-size:16;--min-margin-bottom:15;--min-margin-top:max(10, calc(var(--max-margin-top) * .5));-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:AvenirNext, Calibri, Arial, sans-serif;font-size:max( var(--min-font-size) * 1px, min( var(--max-font-size) * 1px, var(--min-font-size) * 1px + (var(--max-font-size) - var(--min-font-size)) * ((100vw - var(--fluid-start) * 1px) / (var(--fluid-end) - var(--fluid-start))) ));font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin-bottom:max( var(--min-margin-bottom) * 1px, min( var(--max-margin-bottom) * 1px, var(--min-margin-bottom) * 1px + (var(--max-margin-bottom) - var(--min-margin-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));margin-top:10px;orphans:2;padding-bottom:max( var(--min-padding-bottom) * 1px, min( var(--max-padding-bottom) * 1px, var(--min-padding-bottom) * 1px + (var(--max-padding-bottom) - var(--min-padding-bottom)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));padding-top:max( var(--min-padding-top) * 1px, min( var(--max-padding-top) * 1px, var(--min-padding-top) * 1px + (var(--max-padding-top) - var(--min-padding-top)) * ((100vw - (var(--fluid-start) * 1px)) / (var(--fluid-end) - var(--fluid-start))) ));text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Greg is an active community member, participating on many boards throughout central and southeast Ohio. He is a member of the firm’s Racial Equity Task Force and was also responsible for reinventing a firm-hosted art show, featuring artists in recovery from and dealing with mental health and addiction challenges. Greg also regularly contributes to updates on legal and business developments in the insurance space as it relates to finance and insurance technology by public and private entities.</span></p>

<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;">Brett Lofton is a senior portfolio manager with FHN Financial Portfolio Advisory. Brett has worked with depositories on balance sheet management, interest rate risk management, liquidity management, investment portfolio strategy, and balance sheet strategy for over 20 years. He is a CFA charterholder and holds series 7, 63, and 24 licenses.</span></span></p>

<p><span style="background-color:rgb(255,255,255);color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:Aptos, sans-serif;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Sam is an active mentor, thought leader and sought-after speaker focusing on the human element of digital and banking innovation. Sam is a former Googler, banker, start-up executive and entrepreneur. He has over 25 years of experience working in the payments, mobile and banking space across North America and Europe for both global banking and technology companies, as well as in the start-up community.</span></span></p>

<div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Kate Miller is a Senior Learning Partner for Moody’s Learning Solutions team. She has over 30 years of experience in the banking industry. As part of the Moody’s team, Kate &nbsp;brings her knowledge and expertise to her role as a Learning Partner in support of both clients and strategic partners. Prior to joining Moody’s, Kate held roles encompassing credit, sales, operations, learning and development, and sales leadership. She has worked with banks of all sizes, ranging from the nation’s largest institutions, to regional banks, a de novo bank, and most recently, a community bank. Most of her career was spent in business and commercial banking, both in a client-facing role as well as managing teams.</span></div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><br>&nbsp;</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;">Dustin is a manager at CLA and a leader with the national credit risk services team. He uses his extensive banking knowledge to provide credit risk management services to clients. Dustin has over 15 years of banking experience with 10 years as a safety and soundness bank examiner within the Federal Reserve System focused on credit risk management. His experience with evaluating credit and related processes for community banks and regional banking organizations and strong communication skills makes him a valuable trusted advisor to clients and prospects.</span></span></p>

<div class="x_elementToProof" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;color:rgb(0, 0, 0) !important;font-family:Aptos, Aptos_EmbeddedFont, Aptos_MSFontService, Calibri, Helvetica, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:12pt;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:1.284;margin:0in 0in 8pt;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Russell (Russ) brings more than 30 years of Wealth Advisor leadership to Cornerstone Advisors' practice.</span></div><div class="x_elementToProof" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;color:rgb(0, 0, 0) !important;font-family:Aptos, Aptos_EmbeddedFont, Aptos_MSFontService, Calibri, Helvetica, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:12pt;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:1.284;margin:0in 0in 8pt;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">&nbsp;As Operations Director and Partner of the Burke Group Benefits Consulting Group, and as Operations Director of Frost Bank's Wealth Advisor Group, Russ has developed an in-depth understanding of Wealth Advisor institutions and what it takes to build, implement, and maintain platforms to service wealth advisor customers. He has led operational implementations, including core trust systems, performance measurement, portfolio management, Reg R monitoring, automated workflow solutions, item imaging, data warehousing, RIA platforms, Robo-Advisor, and vendor management platforms.</span></div><div class="x_elementToProof" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);border-width:0px;color:rgb(0, 0, 0) !important;font-family:Aptos, Aptos_EmbeddedFont, Aptos_MSFontService, Calibri, Helvetica, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-size:12pt;font-stretch:inherit;font-style:normal;font-variant-alternates:inherit;font-variant-caps:normal;font-variant-east-asian:inherit;font-variant-ligatures:normal;font-variant-numeric:inherit;font-variant-position:inherit;font-variation-settings:inherit;font-weight:400;letter-spacing:normal;line-height:1.284;margin:0in 0in 8pt;orphans:2;padding:0px;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;vertical-align:baseline;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">&nbsp;Russ holds a BS in Computer Science and Mathematics from SUNY Geneseo.&nbsp;</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;">Caitlyn Mullins, AAP, APRP, NCP is the Lead Advisor of NEACH Payments Group (NPG). As Lead Advisor, Caitlyn forms close relationships with clients by taking the time to understand each client’s unique business model, strategic goals, and challenges that they may face as they work towards their payments goals. She conducts audit, risk management, and consulting services to provide clients with the knowledge, tools and resources necessary to maintain compliance and appropriately identify and mitigate risks while achieving strategic goals. Caitlyn collaborates with regulators and industry experts to ensure NEACH Payment Group stays ahead of any rules, laws, regulations, and guidance that impact clients. Her relationships and experiences allow her to radiate her knowledge by speaking on payments topics at events, forums, and developing specialized training sessions for various partners.&nbsp;</span></span></p>

<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, &quot;sans-serif&quot;, &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;">Rick Olivier is a Senior Account Executive for SBS Cybersecurity. SBS is a cybersecurity consulting and audit firm based out of Madison, South Dakota. Since 2004, SBS has been dedicated to assisting organizations with the implementation of cyber risk management programs and to mitigating cybersecurity risks. SBS has provided solutions to over 1,300 entities across the United States and abroad ranging in size from small main street businesses to nationally recognized brands. SBS CyberSecurity empowers businesses to make more informed security decisions and trust the safety of their valuable and sensitive information. Rick has a degree from Dakota State University in Electronic Commerce. He has been with SBS since 2006 and is a Certified Banking Security Manager, and Certified Banking Security Technology Professional.</span></span></p>

<div ccp_infra_version="3" ccp_infra_timestamp="1723476413254" ccp_infra_user_hash="3682674547" ccp_infra_copy_id="2773abbd-b5b8-4064-bb69-fd956c31f445" data-ccp-timestamp="1723476413254"><meta http-equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Excel.Sheet"><meta name="Generator" content="Microsoft Excel 15"><style>table {mso-displayed-decimal-separator:"\."; mso-displayed-thousand-separator:"\,";} tr {mso-height-source:auto;} col {mso-width-source:auto;} td {padding-top:1px; padding-right:1px; padding-left:1px; mso-ignore:padding; color:black; font-size:11.0pt; font-weight:400; font-style:normal; text-decoration:none; font-family:Calibri, sans-serif; mso-font-charset:0; text-align:general; vertical-align:bottom; border:none; white-space:nowrap; mso-rotate:0;} </style><p><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Jeff Ostheimer joined SRM as a Director, Fintech Advisory Services. Jeff joined SRM after 17 years at Finastra, where he focused selling point solutions including mortgage, commercial, and mortgage loan origination systems, online account opening, and managed a team or regional sales leaders. Jeff provides insights across the topics of digital transformation, open banking, and banking as a service.</span><br><br><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">During the last five years, Jeff has spent time helping banks and credit unions on their digital transformation journeys focused on core banking, digital banking platforms, and ancillary services. His college years were spent at Delta State University and University of Memphis.</span></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;">Sean Payant, Ph.D., Chief Strategy Officer and Sr. EVP leads a team of more than 50 individuals from the consulting, account executive, creative and client services teams. Sean has more than 25 years of experience in the banking industry and has led team development and strategic planning sessions for financial institutions, for profit corporations and not for profit organizations. He has spoken at more than 200 industry banking schools, executive meetings and conferences to include The Bank CEO Network, Sheshunoff Affiliation, Bank Director, The Financial Brand Forum, numerous American Bankers Association (ABA) conferences, ABA Stonier Graduate School of Banking, Pacific Coast Banking School and numerous State Bankers Association and Community Bankers Association banking schools and conferences. He has authored or co-authored many articles for industry publications. Sean holds a Bachelor’s degree from Midland Lutheran College, and Master’s and Doctor of Philosophy degrees from the University of Nebraska-Lincoln.</span></span></p>

<p><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Debbie Peterson, Leadership Strategist &amp; Consultant, Getting to Clarity, LLC. Debbie Peterson, CSP, is a keynote speaker and consultant who helps her clients harness the power of their minds to achieve their next level of career and leadership. Debbie has more than 25 years of corporate experience in investor relations, business administration, and project management. She travels the country, helping individuals unlock the power of authentic leadership to gain unshakable clarity on their professional potential and how they can achieve it. She is also an author with her book, <i>Clarity: How Smart Professionals Create Career Success on Their Terms</i>.</span></p><p>&nbsp;</p>

<p><span style="background-color:rgb(255,255,255);color:rgba(0,0,0,0.9);font-size:16px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:-apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, &quot;Fira Sans&quot;, Ubuntu, Oxygen, &quot;Oxygen Sans&quot;, Cantarell, &quot;Droid Sans&quot;, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, &quot;Lucida Grande&quot;, Helvetica, Arial, sans-serif;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;">Director of Policy and Legislative Affairs at Ohio Treasurer of State.</span></span></p>

<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;">As President and CEO of Shield Compliance, Tony leads day-to-day operations and is the company’s principal product architect. Having served as a senior executive at a Washington State-based community bank for over 20 years, Tony has in-depth knowledge of the banking industry and the regulatory and compliance requirements for high-risk industries. Today he brings that knowledge to financial institutions serving and considering serving the legal cannabis industry. Tony is a graduate of Western Washington University and the Pacific Coast Banking School at the University of Washington, the premier national graduate school of banking. Tony serves on the Board of Directors of the Emerging Markets Coalition (EMC) and was recognized as a Puget Sound Business Journal Innovator of the Year.</span></span></p>

<div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Jenifer Snook, Senior Vice President, is an enthusiastic and engaging keynote speaker with numerous speaking engagements at bank conferences throughout the United States. Jenifer uses her 18-plus years of experience working with community banks of all sizes to deliver several bank-specific topics ranging from leadership, marketing, and team member development to customer acquisition and onboarding strategies. Over the years, Jenifer has led presentations to all levels of the bank ranging from CEOs, board members, leadership teams, branch managers, and front-line team members. Jenifer has a passion for helping people and financial institutions grow. Jenifer has Bachelor’s degree from Concordia University and a Master’s degree from the University of Nebraska-Omaha.</span></div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><br><span style="font-size:11px;">&nbsp;</span></div>

<div class="OutlineElement Ltr SCXW229579204 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 SCXW229579204 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-color:transparent;color:windowtext;font-kerning:none;font-style:normal;font-weight:normal;margin:0px;overflow-wrap:break-word;padding:0px;text-align:left;text-indent:0px;user-select:text;vertical-align:baseline;white-space:pre-wrap;" paraid="1037340993" paraeid="{a5cbc2b5-be59-4603-923d-e26dfd582708}{36}"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="TextRun SCXW229579204 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;font-variant-ligatures:none !important;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-contrast="auto" xml:lang="EN-US" lang="EN-US">Ms. Stautberg received her BS from The Ohio State University and her JD from The Ohio State University Michael E. Moritz College of Law.&nbsp; Ms. Stautberg is a partner at Dinsmore and serves as a practice group leader for </span><span class="TextRun SCXW229579204 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:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;font-variant-ligatures:none !important;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-contrast="auto" xml:lang="EN-US" lang="EN-US">firm’s</span><span class="TextRun SCXW229579204 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;font-variant-ligatures:none !important;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-contrast="auto" xml:lang="EN-US" lang="EN-US"> tax, benefits and wealth group.&nbsp; She is certified by the OSBA as a specialist in the practice of Estate Planning, Trust and Probate Law.&nbsp; Ms. Stautberg is a fellow with the American College of Trust and Estate Counsel.&nbsp; Her other professional affiliations include being vice chairperson of the OSBA Estate Planning, Trust and Probate Law Section </span><span class="TextRun SCXW229579204 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:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;font-variant-ligatures:none !important;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-contrast="auto" xml:lang="EN-US" lang="EN-US">Council,&nbsp; lead</span><span class="TextRun SCXW229579204 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;font-variant-ligatures:none !important;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-contrast="auto" xml:lang="EN-US" lang="EN-US"> director </span><span class="TextRun SCXW229579204 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:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;font-variant-ligatures:none !important;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-contrast="auto" xml:lang="EN-US" lang="EN-US">for&nbsp; Cincinnati</span><span class="TextRun SCXW229579204 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;font-variant-ligatures:none !important;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-contrast="auto" xml:lang="EN-US" lang="EN-US"> Works and serving on the board of advisors of the Goering Center for Family and Private Business.&nbsp; She is a former Ohio Certified Public Accountant.&nbsp; For additional information, please visit </span></span><a class="Hyperlink SCXW229579204 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;color:inherit;cursor:text;margin:0px;padding:0px;text-decoration:none;user-select:text;" href="http://www.dinsmore.com/" target="_blank" rel="noreferrer noopener"><span style="color:rgb(5,99,193);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="TextRun Underlined SCXW229579204 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;font-variant-ligatures:none !important;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US"><u>www.dinsmore.com</u></span></span></a><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="TextRun SCXW229579204 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;font-variant-ligatures:none !important;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-contrast="auto" xml:lang="EN-US" lang="EN-US">.&nbsp;</span><span class="EOP SCXW229579204 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;line-height:16.2px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:216}">&nbsp;</span></span></p></div><div class="OutlineElement Ltr SCXW229579204 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 SCXW229579204 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-color:transparent;color:windowtext;font-kerning:none;font-style:normal;font-weight:normal;margin:0px;overflow-wrap:break-word;padding:0px;text-align:left;text-indent:0px;user-select:text;vertical-align:baseline;white-space:pre-wrap;" paraid="171397149" paraeid="{a5cbc2b5-be59-4603-923d-e26dfd582708}{74}"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="EOP SCXW229579204 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:&quot;Times New Roman&quot;, &quot;Times New Roman_EmbeddedFont&quot;, &quot;Times New Roman_MSFontService&quot;, serif;line-height:18px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}">&nbsp;</span></span></p></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 class="OutlineElement Ltr SCXW140287080 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 SCXW140287080 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-color:transparent;color:windowtext;font-kerning:none;font-style:normal;font-weight:normal;margin:0px;overflow-wrap:break-word;padding:0px;text-align:left;text-indent:0px;user-select:text;vertical-align:baseline;white-space:pre-wrap;" paraid="74270836" paraeid="{e4ff565e-39f8-475d-bd48-e770cb0b626b}{206}"><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="TextRun SCXW140287080 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:19px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US">Adam Thompson, Director of Sales, is a self-proclaimed checking account nerd driven to take data analytics and market research to guide clients to the right product strategy to deepen relationships in their marketplace.&nbsp; His strategies drive increases in brand loyalty, non-interest income, and deposits.&nbsp;&nbsp;</span><span class="EOP SCXW140287080 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height:19px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}">&nbsp;</span></span></p></div><div class="OutlineElement Ltr SCXW140287080 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, 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style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height:19px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}">&nbsp;</span></span></p></div><div class="OutlineElement Ltr SCXW140287080 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 SCXW140287080 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-color:transparent;color:windowtext;font-kerning:none;font-style:normal;font-weight:normal;margin:0px;overflow-wrap:break-word;padding:0px;text-align:left;text-indent:0px;user-select:text;vertical-align:baseline;white-space:pre-wrap;" paraid="527269761" paraeid="{e4ff565e-39f8-475d-bd48-e770cb0b626b}{224}"><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="TextRun SCXW140287080 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:19px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US">Adam has been with </span><span class="TextRun SCXW140287080 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:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:19px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US">StrategyCorps</span><span class="TextRun SCXW140287080 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:19px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US"> for 10 years, guiding over 80 financial institutions through retail checking improvements.&nbsp; Prior to joining </span><span class="TextRun SCXW140287080 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:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:19px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US">StrategyCorps</span><span class="TextRun SCXW140287080 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:19px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US">, Adam worked with the online sports news service Rivals.com, gaining a deep understanding of subscription strategies that drive engagement.?</span><span class="EOP SCXW140287080 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height:19px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}">&nbsp;</span></span></p></div><div class="OutlineElement Ltr SCXW140287080 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 SCXW140287080 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-color:transparent;color:windowtext;font-kerning:none;font-style:normal;font-weight:normal;margin:0px;overflow-wrap:break-word;padding:0px;text-align:left;text-indent:0px;user-select:text;vertical-align:baseline;white-space:pre-wrap;" paraid="2101766055" paraeid="{e4ff565e-39f8-475d-bd48-e770cb0b626b}{238}"><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="EOP SCXW140287080 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height:19px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}">&nbsp;</span></span></p></div><div class="OutlineElement Ltr SCXW140287080 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 SCXW140287080 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;background-color:transparent;color:windowtext;font-kerning:none;font-style:normal;font-weight:normal;margin:0px;overflow-wrap:break-word;padding:0px;text-align:left;text-indent:0px;user-select:text;vertical-align:baseline;white-space:pre-wrap;" paraid="854800257" paraeid="{e4ff565e-39f8-475d-bd48-e770cb0b626b}{242}"><span style="color:rgb(0,0,0);font-family:Arial, Helvetica, sans-serif;font-size:12px;"><span class="TextRun SCXW140287080 BCX0 NormalTextRun" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;font-variant-ligatures:none !important;line-height:19px;margin:0px;padding:0px;user-select:text;" data-contrast="none" xml:lang="EN-US" lang="EN-US">Adam graduated from Lipscomb University with a BS in Organizational Communications and has spoken at countless state and national banking conferences like the ABA Marketing Conference.&nbsp;&nbsp;</span><span class="EOP SCXW140287080 BCX0" style="-webkit-tap-highlight-color:transparent;-webkit-user-drag:none;font-family:Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height:19px;margin:0px;padding:0px;user-select:text;" data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}">&nbsp;</span></span></p></div>

<p class="MsoNormal"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Charlie, a seasoned banking, and finance recruiter with a wealth of experience dating back to 1990, possesses an innate talent for recruiting that has been honed through various roles in the industry. His journey began as a recruiting manager for Modern Engineering, where he developed sharp skills in identifying and acquiring top talent. Later, he took on the responsibilities of a branch manager at Manpower, further refining his expertise in recruitment. In 2000, Charlie brought his extensive knowledge and skills to the Angott Search Group, where he has steadily climbed the ranks to his current position as Managing Director. Leading with a combination of talent, compassion, dedication, and a collaborative spirit, Charlie has become an instrumental figure within the organization. A proud graduate of Michigan State University, Charlie has dedicated his career to the banking and financial services industries. Specializing in mid-sized community banks, he focuses his search practice on key areas such as senior management searches for roles like President/CEO, Chief Credit Officer, and Senior Lender. His expertise extends to critical domains including risk management, credit management, special assets, and loan review.</span><span style="font-size:11.0pt;"><o:p></o:p></span></p>

<p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(66, 66, 66);font-family:Aptos, sans-serif;font-size:11pt;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin:0px;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">Chris Wilk serves as the Core Sales Team Lead at COCC, where he is responsible for new business development and managing prospects throughout all phases of the core sales process. His primary focus is on building trust and strong relationships with prospective clients. Chris and his team continuously adapt to meet the evolving needs of financial institutions.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(66, 66, 66);font-family:Aptos, sans-serif;font-size:11pt;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin:0px;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;" aria-hidden="true">&nbsp;</p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(66, 66, 66);font-family:Aptos, sans-serif;font-size:11pt;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;letter-spacing:normal;margin:0px;orphans:2;text-align:start;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:12px;">As the team lead, Chris provides guidance and leadership for all aspects of COCC’s sales process. With eight years of banking experience prior to joining COCC, he is aware of the impact technology can have on a financial institution’s members and community. Chris is committed to maintaining customer relationships by providing excellent service and meeting strategic goals.</span></p>