<p><span style="background-color:rgb(255,255,255);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:Calibri;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;">Preston Afrank, Executive Vice President, leads the team focused on helping financial institutions execute growth strategies aimed at improving overall performance. Preston has in-depth experience in credit analysis, asset/liability management, interest rate risk and forecasting, as well as investments and liquidity management. With more than 15 years of experience managing complex financial strategies, Preston brings a real-world, hands-on perspective with a track record of success in helping client institutions improve profitability by lowering cost of funds and growing noninterest income. He holds a Bachelor’s degree and a Master’s of Business Administration degree from the University of Nebraska.</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:11px;"><span style="-webkit-text-stroke-width:0px;display:inline !important;float:none;font-family:Calibri;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;">Preston Afrank, Executive Vice President, leads the team focused on helping financial institutions execute growth strategies aimed at improving overall performance. Preston has in-depth experience in credit analysis, asset/liability management, interest rate risk and forecasting, as well as investments and liquidity management. With more than 15 years of experience managing complex financial strategies, Preston brings a real-world, hands-on perspective with a track record of success in helping client institutions improve profitability by lowering cost of funds and growing noninterest income. He holds a Bachelor’s degree and a Master’s of Business Administration degree from the University of Nebraska.</span></span></p>

<p><span style="background-color:white;color:black;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="font-family:Roboto;" data-olk-copy-source="MessageBody">J. Dean Allen is OneSource Lending’s Chief Business Development Officer and Relationship Manager.&nbsp; He also supports and participates in the operations of the business to ensure that the processes of lending functions are completed in a timely and effective manner.&nbsp; Dean has over 20 years of commercial lending experience and has a broad network in the industry, most recently as Executive Vice President and Chief Lending Officer for RiverHills Bank, where he has led the bank to a Top 6 SBA lender in Greater Cincinnati for the past three years, and #2 in 2023.</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 style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);font-family:Aptos, sans-serif;font-size:12pt;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="color:inherit;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:inherit;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">Tammy Bobo is President &amp; CEO of Hocking Valley Bank, a $350 million dollar community bank in Athens, where she leads a diverse and talented team responsible for the strategic direction, vision, and performance of the bank while remaining committed to a shared vision of community-first. In addition to serving as Vice Chair of the bank’s Board of Directors, Tammy is President &amp; CEO of the institution’s holding company, Hocking Valley BancShares, Inc. She is a 37-year community banking veteran, and was appointed to the Ohio Banking Commission for a second four-year term by Governor Michael DeWine in January 2025. Tammy also Chairs the Federal Reserve Bank of Cleveland's Community Depository Institutions Advisory Council, serves on the Federal Home Loan Bank of Cincinnati’s Member Advisory Council and is active in the OBL where she currently serves on the Board of Directors and is active with the GR Council as the council's Past Chair.</span></span><br><br><span style="color:inherit;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:inherit;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;">Tammy is a founding member of the Athens Area Chamber of Commerce’s annual Women’s Summit, serves on Ohio University's Executive Advisory Board, and has served as a panelist at OBL events, conferences hosted by the bank's technology partner Jack Henry, the ODFI, the Federal Reserve Bank of Cleveland, and the Federal Home Loan Bank of Cincinnati. A graduate of Ohio University, Tammy has completed the Graduate School of Banking-Madison, WI, and has received leadership certifications from the OBL Bank Leadership Institute, the ABA Senior Leadership Institute, and the Darden School of Business/SNL Executive Program in Bank Financial Leadership at the University of Virginia.</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="color:hsl(0, 0%, 0%);font-family:Arial, Helvetica, sans-serif;font-size:11px;">Matt Brei is the President of Blanchard Consulting Group. He has been a compensation consultant exclusively focused on the banking industry since 2002. Matt founded Blanchard Consulting Group in 2011. His areas of expertise encompass multiple disciplines within executive, director, and staff compensation. Matt frequently speaks at banking conferences on various topics and has written a number of published articles within banking specific publications. He is a graduate of Luther College in Decorah, IA.</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>

<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>

<div class="ewa-rteLine"><span style="color:hsl(0, 0%, 0%);font-family:Arial, Helvetica, sans-serif;font-size:11px;">Bruce Clapp is a leading executive marketer with 30+ years of marketing expertise. Mr. Clapp has served in various executive bank marketing leadership positions. Leading financial institutions with a local, regional, and national scope into new product development, brand building and strategic planning success have been the career hallmarks of Bruce Clapp. Bruce’s career includes successful growth at Bank One, Midfirst Credit Union, and Liberty Savings Bank in executive marketing and sales management roles Prior to founding MarketMatch, Bruce championed a new financial institution consulting practice that focused on customer retention, acquisition, and loyalty marketing for the nation’s largest provider of value-added marketing.</span></div>

<p><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"><b style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(0, 0, 0);font-family:Aptos, Aptos_EmbeddedFont, Aptos_MSFontService, Calibri, Helvetica, sans-serif;font-size:14.6667px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;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;" data-olk-copy-source="MessageBody"><strong>Josh Collins</strong></b></span><span style="background-color:rgb(255,255,255);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:Aptos, Aptos_EmbeddedFont, Aptos_MSFontService, Calibri, Helvetica, 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;has been creating content and facilitating courses as part of the Drexler Consulting team for the past two years.&nbsp; He has twelve years of direct banking experience serving in various leadership roles in retail banking, human resources, and talent development.&nbsp; Josh’s background includes developing and facilitating banking, customer service, and leadership and culture development training programs.&nbsp; Josh is a graduate of The University of Georgia and is SHRM-CP certified.&nbsp; Josh enjoys equipping and encouraging bankers to grow their personal skillsets, build strong teams, and create cultures that maximize results for themselves and the banks they serve.</span></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;">Alec Crawford is the Founder and CEO of Artificial Intelligence Risk, Inc (July, 2023). AI Risk, Inc. accelerates Gen AI adoption by providing a platform for AI safety, security, and compliance for financial companies. The company created the first AI governance, risk, compliance and cybersecurity management software platform (AI GRCC), a new category of software going beyond simply “trust and safety”. The company won the Waters Technology #1 Rank for cybersecurity and separately the #1 rank for AI regulatory compliance platform in 2024. Their customers range from small businesses to large financial institutions. </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;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"> </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;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Alec has been working with AI for decades, starting by designing and building neural networks from scratch at Harvard College. Alec is an AI and risk management thought leader, writing a blog and newsletter here, and interviewing high profile guests in AI, cybersecurity, and policy on his top 1% podcast AI Risk-Reward here. </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;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"> </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;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Alec has chaired and spoken at numerous conferences, including Risk USA, the NASCUS annual summit, and numerous other AI, financial, compliance and risk-focused conferences. His background as a research analyst on Wall Street with over 10,000 hours of public speaking makes him an ideal keynote speaker sure to engage any audience. </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;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"> </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;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Previously, Alec was a Partner and Chief Investment Risk Officer at Lord, Abbett &amp; Co. LLC. He was responsible for managing risk in all the firm’s portfolios globally and served as a member of the investment leadership team, the strategic allocation committee. He also led the Advanced Technology Initiative for Investments, which included AI, big data, and unstructured data. He joined Lord Abbett in 2012, was named Partner in 2013, and retired from Lord Abbett in 2022. He is currently a Limited Partner of Lord Abbett. Alec has worked in the financial services industry since 1988, including as Managing Director and Global Head of Risk at Ziff Brothers Investments, as well as senior roles at Goldman Sachs, Deutsche Bank and Morgan Stanley. </span></div>

<p><span style="background-color:rgb(255,255,255);color:rgb(36,36,36);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><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;">Will Craycraft is a Senior Consultant with HUB | Taylor Advisors specializing in Balance Sheet Management. Will received his B.S. in Business Accounting and a Master of Science in Accounting from the University of Kentucky. Will is a Certified Public Accountant (CPA) with experience working primarily as an auditor of public and private financial institutions. Will gained experience working with financial institutions ranging in asset size from $100 Million to $5 Billion. He holds the Chartered Financial Analyst (CFA) Designation and is a member of the Louisville CFA Society.</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;">Jeff is a Director at Darling Consulting Group, where he assists financial institution executives in strengthening their asset liability management (ALM) process. In this role, he provides custom solutions for managing interest rate risk, liquidity risk, and capital. Jeff is a frequent speaker and is knowledgeable in the areas of deposit strategies, liquidity management, and executive-level education.</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:11px;">Jeff began his career at DCG in 2013 as a financial analyst. He holds a B.S. in accounting from Bentley University.</span></div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><br> </div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><br> </div>

<p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);font-family:&quot;Times New Roman&quot;, serif;font-size:12pt;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="color:inherit;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Aptos, 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">Joe is a Columbus-based trial lawyer who defends banks against consumer class actions, including APSN (authorize positive settle negative) transactions, retry fees, fee-on-fees, and violations of Regulation E. Joe also advises and defends banks when there has been fraud on customers’ accounts, such as when bad actors gain access to customers’ accounts or infiltrate customers’ channels of communication.</span></span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);font-family:&quot;Times New Roman&quot;, serif;font-size:12pt;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="color:inherit;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Aptos, 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><p style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);font-family:&quot;Times New Roman&quot;, serif;font-size:12pt;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="color:inherit;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="border-width:0px;font-family:Aptos, 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;">Taking a wholistic approach, Joe aggressively defends against these claims while offering banks the forward-looking advice they need to mitigate risk and reduce the potential for future exposure. He also works closely with Squire’s Financial Services Team to create policies and agreements banks can use to improve their regulatory compliance and reduce their future litigation risk.</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="color:hsl(0, 0%, 0%);font-family:Arial, Helvetica, sans-serif;font-size:11px;">Tonya DeVane is an experienced leader with over two decades of expertise in leadership, employee development, and group facilitation. As the Vice President of Customer Success &amp; Product Optimization at The Omnia Group, she specializes in assisting companies in identifying the most talented individuals and constructing high-performing teams. Tonya utilizes personality assessments to uncover the strengths of each team member, which is one of her areas of expertise.</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="color:hsl(0, 0%, 0%);font-family:Arial, Helvetica, sans-serif;font-size:11px;">In addition to her proficiency in talent development, Tonya is highly skilled in sales and leadership. She has trained employees and facilitated webinars to enhance their sales and leadership abilities. Tonya's educational background includes a degree in Human Service Counseling and certification in Human Resource Management. She is committed to fostering inclusive work environments by utilizing her expertise and the power of personality assessments to help teams reach their full potential.</span></div><div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><br> </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>

<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="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>

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

<div class="ewa-rteLine" style="cursor:text;height:auto;line-height:inherit;overflow:hidden;padding-right:10px;white-space:pre-wrap;"><span style="color:hsl(0, 0%, 0%);font-family:Arial, Helvetica, sans-serif;font-size:11px;">RYAN W. HAYHURST joined The Baker Group in 1991 and is now President and member of the Board of Directors. Ryan serves as Manager of the Financial Strategies Group and oversees the design and implementation of investment and asset/liability strategies for financial institutions. He is also integrally involved in the continued development of the firm’s proprietary software designed to assist clients in the management of their investment portfolio (APM) and their overall interest rate risk profile (IRRM).</span></div><p>&nbsp;</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="font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="font-weight:100;" data-olk-copy-source="MessageBody">Mike is a professional with financial institution and consulting experience that have made him a lead revenue enhancement expert. His analytical skills and project management application make him a knowledgeable resource for many different projects. He brings expertise in Non-interest Income, EFT Network analyses, EFT processing expense structure &amp; contracts, Information/Branch Capture implementation, service delivery modeling &amp; implementation, profitability analyses, marketing analyses, and other general data analytics.</span></span></p>

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

<p><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><span style="font-family:Arial; font-size:10Pt;">Mike has over 28 years of experience in the real estate appraisal and lending industries and is the Chief Innovation Officer at Nationwide Property &amp; Appraisal Services. He is a certified appraiser and started his career as an independent fee appraiser before transitioning to real estate lending and holding key positions with multiple banks, including Chief Appraiser at Huntington Bank. Mike is a recognized valuation expert in the industry, especially in the area of Alternative Valuations.&nbsp; &nbsp;</span></p>

<p><span style="background-color:rgb(255,255,255);color:rgb(36,36,36);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><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;">As a professional on the Loan Review team at Forvis Mazars, Laura reviews loans to assess the creditworthiness of borrowers and assists in reviewing the effectiveness of credit administration practices. She manages loan review engagements and due diligence reviews. In addition, she oversees continuing education training for the loan review team. Laura is a a 2023 graduate of Graduate School of Banking at the University of Wisconsin-Madison and received the Executive Leadership Certificate from the University of Wisconsin-Madison.</span></span></p>

<p><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Based in Shumaker, Loop &amp; Kendrick, LLP’s Toledo, Ohio office, David is a partner with 25 years of experience as a financial services regulatory lawyer focused on the convergence of banking, fintech, and digital assets. He advises banks, nonbank financial services companies, and money services businesses on complex regulatory, licensing, and compliance matters.</span></p><p><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">David combines a foundation in traditional bank regulation with a forward-looking focus on emerging financial technologies. His clients—from community banks adopting tokenized payments infrastructure to fintechs launching blockchain-based settlement products—rely on his ability to translate evolving regulatory frameworks into practical execution strategies. As one of the firm’s primary contacts for digital asset regulation, David counsels clients on the federal and state regimes governing blockchain-based products, stablecoins, digital asset marketplaces, and tokenization initiatives. He also advises on Bank Secrecy Act/anti–money laundering and OFAC compliance, risk assessments, policies and procedures, independent testing, and examinations.</span></p><p><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">David advises insured depository institutions, their affiliates, and nonbank financial services providers on a broad range of regulatory, supervisory, and compliance matters. His practice includes bank powers and permissible activities, chartering and branching, change-in-control and merger approvals, and ongoing safety and soundness, consumer compliance, and governance issues. He also represents money transmitters, non-depository lenders, and other financial intermediaries in nationwide licensing, control person vetting, change-of-control approvals, and multistate regulatory compliance.</span></p><p><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">In the securities arena, David advises issuers and financial institutions on private placements and registered offerings, Exchange Act reporting and governance, and strategic partnerships, joint ventures, and select M&amp;A transactions in the financial services sector. His approach integrates regulatory insight with business strategy to help clients achieve their objectives in an increasingly digital world.</span></p>

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

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

<p><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Marty has over 25 years of experience in the consumer compliance field. He served as a commissioned federal compliance examiner with the Federal Deposit Insurance Corporation (FDIC). During that time, Marty was responsible for determining financial institution compliance with consumer protection laws and regulations as well as conducting CRA examinations for large and small banks and fair lending examinations using the Interagency Fair Lending Examination Procedures. As a consultant, Marty served the largest, most complex clients nationwide including Chicago, Miami, Los Angeles, and many others. During his tenure with a large financial institution, he led the design and implementation of their corporate level mortgage compliance program through a period of business closures, acquisitions, and regulatory scrutiny.</span></p>

<p><span style="background-color:rgb(255,255,255);color:rgb(36,36,36);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><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;">Jim Perry is the Senior Strategist at Market Insights, where he helps financial institutions across the country make smarter decisions and unlock new paths to growth through custom research and data-driven strategy. A trusted advisor to banks coast to coast, Jim brings clarity to complex challenges—and a fresh perspective to conversations about growth, innovation, and relevance in a rapidly changing landscape. Named one of the "Top 100 Fintech Influencers" by Onalytica, Jim a familiar voice on top podcasts like </span></span><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"><i>Breaking Banks</i></span><span style="background-color:rgb(255,255,255);color:rgb(36,36,36);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><i><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;">, </span></i></span><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"><i>Banking Transformed</i></span><span style="background-color:rgb(255,255,255);color:rgb(36,36,36);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><i><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;">, </span></i></span><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"><i>One Vision</i></span><span style="background-color:rgb(255,255,255);color:rgb(36,36,36);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><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;">, and the </span></span><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"><i>American Banker Podcast</i></span><span style="background-color:rgb(255,255,255);color:rgb(36,36,36);font-family:Arial, Helvetica, sans-serif;font-size:11px;"><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;">. Jim co-founded the Fintech Book Club and serves on the board of the National Alliance for Financial Literacy and Inclusion, championing broader access and opportunity in financial services. In addition, Deluxe named him one of the 20 leaders in modern banking every community banker should follow.</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:11px;"><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;">Brett brings extensive leadership experience in high-growth financial services organizations, with a track record of driving key strategic initiatives, overseeing business operations, improving bottom line and facilitating change. He has been active the last 27 years in the financial services industry, having spent time at The Federal Reserve Bank, multiple correspondent and commercial bank environments, and consulting in the industry. As a correspondent banker, Brett has worked directly with over a thousand community financial institutions over the last ten years. Additionally, he has established and led Treasury Management and SBA departments; multiple specialty units, including cannabis-related banking, national deposits and loan participation/syndication desks; and helped create and become the first Chief Administrative Officer for a now-$60 billion plus southeastern-based bank.</span></span></p>

<div class="ewa-rteLine" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);cursor:text;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-size:14.6667px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;height:auto;letter-spacing:normal;line-height:inherit;orphans:2;overflow:hidden;padding-right:10px;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;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Randy has been with CLA since 1997. Since 1999, Randy has led the cybersecurity consulting practice at CLA performing and leading cybersecurity risk assessments and penetration testing, assisting clients in responding to intrusions and breaches, and advising clients on mitigating cybersecurity risks and improving IT operations. </span></div><div class="ewa-rteLine" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);cursor:text;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-size:14.6667px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;height:auto;letter-spacing:normal;line-height:inherit;orphans:2;overflow:hidden;padding-right:10px;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;">&nbsp;</div><div class="ewa-rteLine" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);cursor:text;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-size:14.6667px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;height:auto;letter-spacing:normal;line-height:inherit;orphans:2;overflow:hidden;padding-right:10px;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;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Randy’s areas of expertise encompass IT Operations and Cyber Security Risk and Strategy, Penetration Testing and Vulnerability Assessments, Cyber Fraud Incident Response, PCI Credit Card Security Compliance, HIPAA Security Compliance. The teams Randy has been part of leading serve most of CLA's client industries including Health Care and Life Sciences, Financial Services, State and Local Government, Technology Services, Retail, and Transportation. Randy has served in an advisory role for the Board of Directors and Audit Committee for several financial institutions over the years.</span></div><div class="ewa-rteLine" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);cursor:text;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-size:14.6667px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;height:auto;letter-spacing:normal;line-height:inherit;orphans:2;overflow:hidden;padding-right:10px;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;">&nbsp;</div><div class="ewa-rteLine" style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(36, 36, 36);cursor:text;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-size:14.6667px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:400;height:auto;letter-spacing:normal;line-height:inherit;orphans:2;overflow:hidden;padding-right:10px;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;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Randy is a thought leader, active speaker, and teacher through his support of a wide variety of local, regional, and national associations. He is a regular instructor at for the Graduate School of Banking at the University of Colorado - Boulder, the Florida Government Finance Officers Association, and a variety of Leading Age associations where he teaches IT/Cybersecurity risk management.</span></div>

<p><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Yogi Roth is a multifaceted media personality, NYT bestselling author, Emmy Award-winning filmmaker, host, and world traveler. He authentically brings over 20 years of experience in sports analysis, coaching, filmmaking, and writing to the keynote stage. Yogi is a former Pitt wide receiver and USC coach who notably co-authored the New York Times best-seller "Win Forever" with Pete Carroll. Yogi has produced Emmy award-winning documentaries and his diverse career spans beyond the field hosting roles on ESPN, Fox, the Pac-12 Network, and the Big Ten Network. He has spoken around the globe alongside brands such as Nike, World Surf League, JCPenney, Dignity Health, USC, UW, Oregon, Gonzaga, and Capital One. With the farewell of the Pac-12 in 2024, Yogi transitioned to a new arena with the Big Ten Network to continue sharing his love of sports with the world.</span></p>

<p style="-webkit-text-stroke-width:0px;background-color:rgb(249, 250, 253);box-sizing:border-box;color:rgb(56, 75, 120);font-family:Neutro, Arial, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:500;letter-spacing:normal;margin-bottom:16px;margin-top:0px;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:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Shawn M. Ryan, CFA brings three decades of experience in business development, financial management and commercial strategy in a variety of executive roles at top-tier companies that include S&amp;P Global, Capital One, Dynex Financial Inc., and Rochester Community Savings Bank to his role at Lumio as Chief Financial Officer.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(249, 250, 253);box-sizing:border-box;color:rgb(56, 75, 120);font-family:Neutro, Arial, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:500;letter-spacing:normal;margin-bottom:16px;margin-top:0px;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:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Shawn’s unique career began as a teller and has included leadership roles in corporate finance, underwriting, treasury, audit, credit review, business &amp; product management, event marketing and marketing operations. His responsibilities have included strategy development, P&amp;L ownership, revenue growth, organizational transformation, client satisfaction, technology implementation, process improvement, and cultural adoption. Throughout his career he has focused on building strong teams and creating outstanding stakeholder relationships. Most recently as Senior Director, Head of Events and Marketing Operations for S&amp;P Global, Shawn lead vision, strategy, and execution for all facets of events and marketing operations worldwide, with a focus on producing live, virtual, and on-demand conferences, professional development programs, product workshops, webinars, and strategic roundtables.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(249, 250, 253);box-sizing:border-box;color:rgb(56, 75, 120);font-family:Neutro, Arial, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:500;letter-spacing:normal;margin-bottom:16px;margin-top:0px;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:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Mr. Ryan builds breakthrough businesses, products, programs and teams. Shawn holds a Masters of Business Administration from Rochester Institute of Technology, a Bachelor of Science Degree in Management Science from SUNY at Geneseo and has been a CFA charter holder since 2006.</span></p>

<p style="-webkit-text-stroke-width:0px;background-color:rgb(249, 250, 253);box-sizing:border-box;color:rgb(56, 75, 120);font-family:Neutro, Arial, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:500;letter-spacing:normal;margin-bottom:16px;margin-top:0px;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:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Shawn M. Ryan, CFA brings three decades of experience in business development, financial management and commercial strategy in a variety of executive roles at top-tier companies that include S&amp;P Global, Capital One, Dynex Financial Inc., and Rochester Community Savings Bank to his role at Lumio as Chief Financial Officer.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(249, 250, 253);box-sizing:border-box;color:rgb(56, 75, 120);font-family:Neutro, Arial, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:500;letter-spacing:normal;margin-bottom:16px;margin-top:0px;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:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Shawn’s unique career began as a teller and has included leadership roles in corporate finance, underwriting, treasury, audit, credit review, business &amp; product management, event marketing and marketing operations. His responsibilities have included strategy development, P&amp;L ownership, revenue growth, organizational transformation, client satisfaction, technology implementation, process improvement, and cultural adoption. Throughout his career he has focused on building strong teams and creating outstanding stakeholder relationships. Most recently as Senior Director, Head of Events and Marketing Operations for S&amp;P Global, Shawn lead vision, strategy, and execution for all facets of events and marketing operations worldwide, with a focus on producing live, virtual, and on-demand conferences, professional development programs, product workshops, webinars, and strategic roundtables.</span></p><p style="-webkit-text-stroke-width:0px;background-color:rgb(249, 250, 253);box-sizing:border-box;color:rgb(56, 75, 120);font-family:Neutro, Arial, sans-serif;font-size:18px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-weight:500;letter-spacing:normal;margin-bottom:16px;margin-top:0px;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:normal;widows:2;word-spacing:0px;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;">Mr. Ryan builds breakthrough businesses, products, programs and teams. Shawn holds a Masters of Business Administration from Rochester Institute of Technology, a Bachelor of Science Degree in Management Science from SUNY at Geneseo and has been a CFA charter holder since 2006.</span></p>

<p><span style="font-family:Arial, Helvetica, sans-serif; font-size:10Pt;">Herb Stapleton is a partner at Dinsmore &amp; Shohl, LLP in Cincinnati, Ohio, who focuses his practice on cybersecurity, data privacy, and complex investigations. Herb is a nationally recognized cybersecurity executive and former senior leader with the Federal Bureau of Investigation (FBI), who brings over 20 years of federal law enforcement and cyber operations experience to his legal practice. As a seasoned investigator and executive, Herb offers clients unparalleled insight into the rapidly changing landscape of cybersecurity, data privacy, and complex government investigations.&nbsp;</span></p><p style="font-size:10Pt;"><span style="font-family:Arial, Helvetica, sans-serif;">Most recently, Herb served as Special Agent in Charge of the FBI’s Indianapolis Field Office, where he led high-impact investigations that spanned cybercrime, national security, and public corruption. He has previously held several senior leadership roles at FBI headquarters in Washington, D.C., that involved the oversight of national programs targeting cyber threats and the management of multidisciplinary teams engaged in some of the country’s most sensitive and high-profile investigations.&nbsp;</span></p><p style="font-size:10Pt;"><span style="font-family:Arial, Helvetica, sans-serif;">Herb has helped victims navigate some of the most significant cyber breaches in U.S. history. His deep understanding of threat actors—ranging from hostile nation-states to sophisticated criminal enterprises—and operational experience provides his clients with strategic guidance and clarity of the highest level.</span></p>

<p><span style="background-color:transparent!important;color:rgb(29,28,29)!important;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="-webkit-text-stroke-width:0px;border-width:0px;font-family:Nunito, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:normal;font-variant-alternates:normal;font-variant-caps:normal;font-variant-east-asian:normal;font-variant-emoji:inherit;font-variant-ligatures:normal;font-variant-numeric:normal;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;" data-olk-copy-source="MessageBody">Kai Stinchcombe is the CEO of True Link, a fintech company that provides family banking services. The company has served a quarter million customers over the last thirteen years, preventing $175 million of scams and fraud, and supporting 250 banks and credit unions in serving family banking customers. The company is on the Forbes Fintech 50 list, the Inc 5000 list, won the BBB Torch Award for ethics, and has a top 4.8-star rating on Trustpilot. As part of the </span></span><span style="background-color:rgb(255,255,255);color:black!important;font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span style="-webkit-text-stroke-width:0px;border-width:0px;font-family:Nunito, sans-serif;font-feature-settings:inherit;font-kerning:inherit;font-optical-sizing:inherit;font-size-adjust:inherit;font-stretch:inherit;font-style:normal;font-variant-alternates:normal;font-variant-caps:normal;font-variant-east-asian:normal;font-variant-emoji:inherit;font-variant-ligatures:normal;font-variant-numeric:normal;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;">President’s Working Group on Aging and Technology, he helped support the current interagency guidance on privacy and fraud prevention.</span></span></p>

<p><span style="font-family:Arial, Helvetica, sans-serif;font-size:11px;"><span data-olk-copy-source="MessageBody">Jim Trimpe is an underwriter with ABA Insurance Services, a member of Great American Insurance Group, and has been an integral part of the ABA Insurance program for more than 35 years. His expertise centers on writing professional liability and bond coverage for banks and trust companies based on their specific attributes, alongside building strong agency relationships and driving new business development. Throughout most of his career, Jim has served as the primary underwriter for Ohio-based banks. A lifelong Ohioan, he earned his MBA from John Carroll University and BA from the University of Toledo and maintains the Chartered Property &amp; Casualty Underwriter (CPCU) designation.</span></span></p>

<div><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;">Trent B. Troyer serves as Chairman of the Board of Directors of FFD Financial Corporation and First Federal Community Bank, National Association in Dover, Ohio. He has been in the banking industry for 41 years and previously served as Chief Executive Officer (CEO) of FFD and First Federal from October 2000 to October 2025. Actively involved in volunteer community and industry activities, he presently serves the boards of: New Philadelphia City Schools Quaker Foundation (President), and Connecticut Online Computer Center, Inc. (COCC). He serves the banking industry as a member of Ohio Bank Pac board of directors, Ohio Bankers League Government Relations Administrative Committee, American Bankers Association Membership Committee, ex-officio member of Ohio Bankers League Board of Directors (where he previously served as the Chairman in 2013) He also presently is involved as a member of the Dover-New Philadelphia Kiwanis Club; Association of Ohio Commodores; and member of the Ohio Bankers League Government Relations Council. He previously provided leadership and volunteer roles to the United Way of Tuscarawas County (Campaign Chairman); Tuscarawas County Chamber of Commerce (Chairman); Tuscarawas Community Improvement Corporation, Ohio Bankers League (Chairman); American Bankers Association, American Heart Association; New Philadelphia Kiwanis Club (Distinguished President); Kiwanis International District 17 (Treasurer); Dover Alliance Church (Treasurer); and the Small Business Development Center Advisory Board. Trent was awarded the Kent State University Tuscarawas Alumni Association Alumni of the Year in 2019. He is a graduate of New Philadelphia High School, Kent State University Tuscarawas (associate degree) and Ashland University (BSBA). He also graduated from American Bankers Association’s Stonier Graduate School of Banking at Georgetown University.</span></span></div>