<p>Tom provides commercial loan review and credit risk consulting services for FORVIS’ Loan Review team. He has extensive experience in commercial and corporate banking credit analysis, credit review, portfolio management and asset quality portfolio reviews.</p>

<p>Aaron Chestnut is an EVP and Senior Boost Strategist at SRM, where he brings a passion for data-driven strategy, execution and meaningful results. He has more than 25 years of financial services and marketing leadership experience with previous roles including Chief Marketing Officer at First Horizon, Chief Marketing and Experience Officer at Georgia United Credit Union, and Head of Digital Marketing at Quicken Loans. He has been a featured speaker at events such as the American Banker Small Business, BAI Retail Delivery Channel Conference and the Harte-Hanks Marketing Forum. He has a BA from Western Michigan University and an MSF from Walsh College.</p>

<p>Rob Fleetwood is a co-chair of BFKN’s Financial Institutions Group. Rob has more than 25 years of experience advising financial institutions on mergers and acquisitions, public and private securities offerings, recapitalizations, and contract negotiations. Clients have commented that Rob is personable, efficient, strategic, and committed to his clients’ success. Rob focuses his practice on serving financial institutions in all their corporate needs, including advising them on their strategic transactions, general contracts, corporate governance, and their continued compliance with federal and state securities laws, reporting under the Securities Exchange Act. Rob has been fortunate enough to develop deep relationships with the clients he serves and has represented many of those clients as outside counsel for over a decade. Rob is an adjunct professor in banking law at the Northwestern University Pritzker School of Law.</p>

<p>As the Regulatory Section Leader of BFKN’s Financial Institutions Group, John Geiringer advises a wide variety of financial institutions around the country about the full spectrum of legal, regulatory, and supervisory issues that they face. He is a frequent speaker and author in the financial institutions area on issues surrounding banking regulations, examinations, and enforcement actions, as well as on cybersecurity. John devotes significant time to anti-money laundering, counter-terrorist financing, and related national security issues. In this regard, he lectures and advises institutions around the country, engages with relevant organizations, and has published on the subject. Prior to joining BFKN in 1999, John worked as a bank regulator and also as a compliance consultant. He served as legal counsel for the Illinois bank regulatory agency, now the Illinois Department of Financial and Professional Regulation. John also obtained practical experience with respect to bank operations and compliance issues as a regulatory consultant with a regional accounting firm, performing compliance reviews and training for a variety of financial institutions.</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;">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: #000000; font-family:Arial; font-style:normal; font-variant-ligatures:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:2; text-align:start; text-indent:0px; text-transform:none; white-space:normal; widows:2; word-spacing:0px; -webkit-text-stroke-width:0px; background-color:rgb( 255, 255, 255); text-decoration-thickness:initial; text-decoration-style:initial; text-decoration-color:initial; display:inline!important; float:none; font-size:10Pt;">Scott Hildenbrand serves as chief balance sheet strategist and head of the financial strategies group at Piper Sandler.</span><br/><br/><span style="color: #000000; font-family:Arial; font-style:normal; font-variant-ligatures:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:2; text-align:start; text-indent:0px; text-transform:none; white-space:normal; widows:2; word-spacing:0px; -webkit-text-stroke-width:0px; background-color:rgb( 255, 255, 255); text-decoration-thickness:initial; text-decoration-style:initial; text-decoration-color:initial; display:inline!important; float:none; font-size:10Pt;">Previously, he was a principal and chief balance sheet strategist of Sandler O’Neill + Partners, L.P. He headed the balance sheet analysis and strategy group, working with financial institutions on balance sheet strategy development, which includes interest rate risk management, investment portfolio strategy, retail and wholesale funding management, capital planning, budgeting, and stress testing. Hildenbrand also worked closely with the firm’s investment banking group to identify and develop strategic opportunities for clients involved in mergers and acquisitions.</span><br/><br/><span style="color: #000000; font-family:Arial; font-style:normal; font-variant-ligatures:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:2; text-align:start; text-indent:0px; text-transform:none; white-space:normal; widows:2; word-spacing:0px; -webkit-text-stroke-width:0px; background-color:rgb( 255, 255, 255); text-decoration-thickness:initial; text-decoration-style:initial; text-decoration-color:initial; display:inline!important; float:none; font-size:10Pt;">Hildenbrand previously worked in Sandler O’Neill’s interest rate products group, focusing on developing and implementing structured wholesale funding strategies for financial institutions. He spent his first four years at the firm in the asset/liability management group. Prior to joining Sandler O’Neill in 2004, Hildenbrand worked as a financial analyst in asset/liability management at Tower Federal Credit Union in Maryland.</span><br/><br/><span style="color: #000000; font-family:Arial; font-style:normal; font-variant-ligatures:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:2; text-align:start; text-indent:0px; text-transform:none; white-space:normal; widows:2; word-spacing:0px; -webkit-text-stroke-width:0px; background-color:rgb( 255, 255, 255); text-decoration-thickness:initial; text-decoration-style:initial; text-decoration-color:initial; display:inline!important; float:none; font-size:10Pt;">Hildenbrand was elected to the Financial Managers Society in 2021. He also serves as treasurer on the board of directors for Liam’s Room, a non-profit organization that focuses on pediatric palliative care, a specialized approach to medical care for children with serious illnesses.</span><br/><br/><span style="color: #000000; font-family:Arial; font-style:normal; font-variant-ligatures:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:2; text-align:start; text-indent:0px; text-transform:none; white-space:normal; widows:2; word-spacing:0px; -webkit-text-stroke-width:0px; background-color:rgb( 255, 255, 255); text-decoration-thickness:initial; text-decoration-style:initial; text-decoration-color:initial; display:inline!important; float:none; font-size:10Pt;">He is a frequent speaker at industry conferences and seminars. He holds a Master of Business Administration degree in finance from Loyola College in Maryland and a bachelor’s degree with a concentration in accounting and finance from Gettysburg College.</span><span style="font-family:Arial; font-size:10Pt;"><span style="color: #000000">&nbsp;</span></span></p>

<p>Travis Hill is the Vice Chairman of the FDIC Board of Directors. He has served in this role since January 5, 2023. Previously, he worked at the FDIC from 2018 to 2022, as Deputy to the Chairman for Policy and before that as Senior Advisor to the Chairman. In these roles, among other responsibilities, he oversaw and coordinated regulatory and policy initiatives at the agency and advised the Chairman on regulatory and policy matters. Prior to joining the FDIC, Hill served as Senior Counsel at the United States Senate Committee on Banking, Housing, and Urban Affairs, where he worked from 2013 to 2018. While there, he participated extensively in the drafting and negotiating of numerous bipartisan bills. </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>Jim has represented financial institutions and their officers, directors, shareholders and affiliates in connection with mergers and acquisitions, securities offerings, new product development, corporate governance, and regulatory and compliance matters for the past 24 years. In particular, Jim has worked with clients on a wide range of bank and thrift mergers and acquisitions and securities transactions throughout the Midwest, and has extensive experience in advising clients on other strategic matters, including the development of new products and services and the regulatory/compliance issues relating to new products and services.</p>

<p>As president of QwickRate, Shawn O’Brien continues to enhance the delivery of non-brokered funding through QwickRate’s CD Marketplace, while also bringing new offerings to its more than 3,000 institutional subscribers. These newer products and services set industry standards for providing time-saving performance and ease of use to financial institutions: QwickAnalytics for bank research, analysis and regulatory reports; and IntelliCredit solutions that make credit risk management and mandated loan reviews more cost-effective, comprehensive and efficient. Shawn currently serves on the board of directors of the National Bank of St. Anne, an Illinois community bank. He holds a B.A. in Business degree from the University of Notre Dame.</p>

<p>For 16 years, Bo has partnered with corporations and financial institutions to identify opportunities to improve payment operations and money movement capabilities. Leveraging expertise across consumer and commercial payments, his goal is to deeply understand client needs to proactively customize solutions that drive quantifiable business outcomes.&nbsp;</p><p>&nbsp;</p><p>Bo maintains the CTP certification, which demonstrates knowledge and skills required for critical functions across corporate liquidity, capital, payments, and risk management disciplines. He holds a BA from Illinois Wesleyan University and an MBA from Washington State University</p>

<p class="MsoNormal"><span style="font-size:10.0pt;line-height:107%;font-family: &quot;Arial&quot;,sans-serif;color:black">Nick Podhradsky is an accomplished cybersecurity professional, serving as the EVP of Business Development at SBS Cybesercurity. He is also well-known for hosting the popular monthly webinar series called "Hacker Hour," which focuses on educating and empowering community bank leaders to make informed cybersecurity decisions. Nick has over 15 years of extensive experience in partnering with community bankers to create efficiencies and visibility into the art of managing cyber risk. He holds a master’s degree in educational technology from Dakota State University and is a Certified Banking Security Manager. Through his leadership, many organizations have been able to better protect their business and minimize the risk of cyber attacks.</span><o:p></o:p></p> <p> </p>

<p>Nathan Stovall is the director of the financial institutions research team for S&P Global Market Intelligence, which is responsible for data-driven news and research focused on banks and insurers. Nathan has more than 20 years of experience covering the financial institutions sector, with a focus on U.S. banks.<br /> He is the author of the banking blog, Street Talk, and host of the podcast by the same name. During his tenure, he has regularly covered and participated on the conference circuit. He has been quoted in a number of trade publications and the national press, including The Wall Street Journal, The New York Times, The Financial Times, The Economist and has appeared on CNBC, Yahoo Finance, Fox Business News and NPR's Planet Money.</p>

<div class="detail-tabs__container" style="width:calc(100% - 84px - 1.5rem);"><div class="detail-tab detail-tab--js professionals-detail-tab detail-tab--is-selected" style="height:auto;max-width:100%;opacity:1;overflow-y:hidden;position:static;transform:none;transition:opacity 0.5s ease-in-out 0s, position 0s ease 0.5s, transform 0.5s ease-in-out 0s, visibility 0.5s ease-in-out 0s;visibility:visible;" id="bio"><div class="professionals-detail-tab__bio detail-tab__richtext-container"><div class="professionals-detail-tab__bio-main"><p class="BodyCopy" style="color:rgb(9, 48, 90);font-size:0.9375rem;font-weight:300;margin-top:0px;">Mr. Svalina advises banks, credit unions, captive finance companies, FinTech companies and non-bank lenders on significant corporate transactions. In addition, he focuses his practice on representation of financial institutions and their officers, directors and shareholders/members in connection with mergers and acquisitions, corporate finance, corporate governance, cybersecurity initiatives and regulatory and compliance matters.</p><p class="BodyCopy" style="color:rgb(9, 48, 90);font-size:0.9375rem;font-weight:300;">Prior to joining Vedder Price, Mr. Svalina worked in the Asset Management Group at PNC Bank and as a legal fellow to the Honorable Chief Judge Frank J. Bailey of the U.S. Bankruptcy Court, District of Massachusetts.</p><p class="BodyCopy" style="color:rgb(9, 48, 90);font-size:0.9375rem;font-weight:300;margin-bottom:0px;">Mr. Svalina obtained his LL.M. in Banking &amp; Financial Law from Boston University School of Law, where he was first in his class and was awarded the Dennis S. Aronowitz Award for Academic Excellence in Banking and Financial Law.<span>&nbsp; </span>While in law school, Mr. Svalina served as a law clerk in the National Railway Equipment General Counsel<span style="letter-spacing:0pt;">’</span>s Office, assisting with general corporate matters and regulatory compliance.<span>&nbsp; </span>He also served as a law clerk for a well-respected bankruptcy firm, assisting companies in structuring, workouts and foreclosures.<span>&nbsp; </span>In recognition of his contributions to the firm, he was awarded the Medal of Excellence in Bankruptcy by the American Bankruptcy Institute.</p></div></div></div></div>

<p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif">Lee Wetherington is Senior Director of Corporate Strategy at Jack Henry & Associates* (JKHY: NASDAQ). Lee directs the development of actionable insights, forecasts and strategy for the financial services industry at large. To this end, he guides a team of analysts who track the trends and implications of emerging technologies disrupting and transformation the banking industry. </span></span></span></p>

<p>Joan Woodward is Executive Vice President of Public Policy for Travelers and President of The Travelers Institute. She is a member of the company’s Management Committee, Operating Committee, and the Environmental, Social, and Governance (ESG) Committee. She also serves on The Diversity Council, and the Travelers Foundation Board. She is the current Chairperson of the Travelers Community Connections Campaign. Woodward joined Travelers in 2008 from Goldman Sachs to establish The Travelers Institute as the company’s thought leadership and public policy platform. Prior to her 10-year career at Goldman Sachs, Woodward worked on Capitol Hill for 12 years. </p>