Class of 2016 1

Gaurav C. Agarwal (Gaurav) Senior Vice President CITIZENS FINANCIAL GROUP Bridgeport, CT (203) 551-3741 gaurav.agarwal@rbscitizens.com

Job Description: Gaurav leads a team to develop collections strategies across various consumer portfolios. He develops products and tools to help customers in need, while ensuring proper accounting. Gaurav coordinates with regulatory and compliance partners to ensure proper controls are in place. About Gaurav: Gaurav is an experienced analytics leader with over 10 years of experience across various banking domains including credit risk, marketing and collections strategy, and a broad range of financial services products. He has an MBA with specializations in finance and marketing. Gaurav volunteers regularly at his local food bank and supports UNICEF (disadvantaged children help organization).

Ryan Alwood (Ryan) SVP, Area Manager for the Wisconsin Market PNC BANK Peoria, IL (309) 655-5123 ryan.alwood@pnc.com

Job Description: Ryan is responsible for leading and directing all sales and service activities within his region, while focusing on growing market share through customer and employee engagement. About Ryan: Ryan began his career in the financial service industry in 2001 with a degree in Economics from Illinois College. He joined PNC, including predecessors, in November 2004. During his tenure, Ryan has earned the title of Senior Vice President while successfully serving as a Financial Advisor, Branch Manager, Business Banking Officer, Sales Service and Support Manager, and currently as Regional Manager for the Peoria and Springfield regions. Ryan is a very active member of the Peoria Illinois community and currently serves on the Illini Bluffs District 327 School Board as President. Ryan also serves on the Peoria Police Pension Fund Board as Trustee and is past President and an active member of the Peoria area Young Professionals Organization.

Burton Andrews (Burt) Marketing Analysis Senior Manager

CHASE Columbus, OH (614) 217-3451 burton.w.andrews@chase.com

Job Description: Burt is currently the Marketing Analysis Senior Manager for JPMorganChase. He is responsible for analytical support to provide financial justification of Retail Marketing campaigns. He also develops and maintains data-driven models to estimate lifetime present value of responders to various marketing campaigns. About Burt: Before working at JPMorganChase, Burt worked as a Research Engineer at The Research and Technology Center, Robert Bosch LLC., and started working at JPMorganChase in 2010 as a Behavior Modeling Manager. Burt got his Ph.D. at Johns Hopkins University in Electrical and Computer Engineering. He received both his master’s degree and bachelor’s degree from The Ohio State University in Electrical and Computer Engineering.

William A. Balboni (Bill) SVP, Regional Manager EASTERN BANK Boston, MA (617) 295-0684 w.balboni@easternbank.com

Job Description: Bill is a Senior Vice President and Regional Manager at Eastern Bank. He supports 16 branches and 91 banking colleagues to deliver excellent results in sales, service and operations. About Bill: Bill received his Bachelor’s degree from St. Michael’s College, and has nearly 30 years experience in the banking industry. Prior to joining Eastern, Bill spent 16 years with Citizens Bank.

Class of 2016

Class of 2016 2

William Blair Baldwin (Blair) VP, Member Care TEXAS DOW EMPLOYEES CU Lake Jackson, TX bbaldwin@tdecu.org

Job Description: Blair is currently a Vice President of Member Care at Texas Dow Employees Credit Union. He is responsible for leading multi-channel member facing service and sales for retail banking.

Michael Bassani (Mike) SVP, Strategic Distribution HUNTINGTON BANK Columbus, OH (614) 331-6766 michael.bassani@huntington.com

Job Description: Mike is the Senior Vice President and Director of Strategic Distribution at Huntington. He establishes and executes the Retail Distribution strategy, inclusive of branch and ATMs. He also leads extensive data analysis and market planning efforts and assesses current and future distribution opportunities. About Mike: Mike first began his career as a Senior Business Analyst at Nationwide Insurance Enterprises in 1995. He started working at Huntington National Bank in 2011. Mike received his bachelor’s degree from Denison University in Economics.

Cheryl Anne Bastedo (Cheryl) VP, Project Consultant UMPQUA BANK Vancouver, WA (360) 566-4481 cherylbastedo@umpquabank.com

Job Description: Cheryl is a Vice President and Program Manager on Umpqua Bank’s Consumer Strategy & Support Team. She also serves on the President’s Club, an employee led advocacy and advisory group that reports directly to the bank’s President. Her principle responsibilities include support of development, modeling and implementation of incentive plans, design and tracking of campaigns, salary and deposits budget process, and monthly and quarterly reporting for management review. About Cheryl: A lifelong resident of Washington State, Cheryl is a graduate of Washington State University, and is an active volunteer for the local library system. She began her banking career as a teller. In her free time Cheryl enjoys playing racquetball and taking her schnoodle to the dog park.

Richard Blasi (Rick) Vice President TIAA-CREF Charlotte, NC (704) 988-7160 rblasi@tiaa-cref.org

Job Description: Rick is the Chief Operating Officer for TIAA-CREF. About Rick: Rick joined TIAA-CREF in 2012 and previously worked for Citi as a group director managing contact centers for Citibank North America. Rick earned his MBA from Syracuse University and has an undergraduate degree from SUNY-Postdam.

Robert Brown (Bob) SVP, Retail Products and Payments REGIONS BANK Birmingham, AL (205) 264-7398 robert.brown@regions.com

Job Description: Bob Brown is responsible for the product management and revenue growth for all Consumer Deposits and Debit Card products. Products within the portfolio include Checking, Savings, CheckCard, General Purpose Reloadable Prepaid and Gift Card. His responsibilities include but are not limited to product development, P&L management, strategic planning, risk mitigation, and product marketing. About Bob: With over 14 years’ experience in the financial industry, Bob joined Regions in 2009 after working at other financial institutions within the product management and operations divisions.

Class of 2016 3

Larry Bryant (Larry) SVP, Regional Manager COMERICA BANK Ann Arbor, MI (734) 930-2403 ldbryant01@comerica.com

Job Description: Larry is currently the Senior Vice President and Regional Manager for Comerica Bank’s East Oakland/West Macomb Region which comprises 26 banking centers. About Larry: Larry began his banking career in 1989 as a Branch Manager Trainee with Manufactures Bank prior to the merger with Comerica in 1991. He is the Co-Chair of Comerica’s African American Initiative, a business outreach group whose mission is to support financial and educational development in the African American community. He graduated Cum Laude from Siena Heights University with a bachelor’s degree in Business Administration.

Thomas Candido (Tommy) VP, Branch Manager CITI Rye, NY (914) 967-5934 thomas.r.candido@citi.com

Job Description: Tommy is a Vice President and Branch Manager for Citi. He manages a branch with Deposits & Investments over $400m. He effectively coaches 15 employees to instill and perfect strong sales, operations and service management. About Tommy: Tommy received his master’s degree and bachelor’s degree from Iona College in Business Administration. He joined Citi in 2012 and previously worked for JPMorganChase as a sales manager.

Theodore Cetola (Ted) Senior Vice President SUNTRUST BANK Rockville, MD (703) 965-9484 ted.cetola@suntrust.com

Job Description: Ted is currently the SVP, Premier Banker Manager in the Greater Washington Area for SunTrust Bank. He leads a team of fifteen bankers who are responsible for engaging and growing SunTrust’s mass affluent client base in the geographic footprint. About Ted: Ted joined SunTrust in August of 2012 from Citibank, where he spent the prior two years as the Citigold Market Manager in the Mid-Atlantic region. Ted has been in the banking industry for over 20 years, with prior roles as Branch Manager, Citigold Relationship Manager, and Financial Advisor for Citicorp Investment Services. Ted is a graduate of The Citadel, and has a master’s degree from Marymount University. Ted holds the Series 7, 63, 24, 65, and Life and Health Licenses. He and his family reside in Montgomery County, Maryland.

Billy I. Cho (Billy) Area Director CITI New York, NY (212) 682-4864 Billy.cho@citi.com

Job Description: Billy is currently an Area Director. He is responsible for managing 10 branches in Metro Manhattan. About Billy: Billy received his bachelor’s degree from Columbia University in Engineering and Management Systems. He has more than 10 years’ experience in the banking industry. Billy joined Citi in 2002.

Renuka Colombage (Rae) Executive VP, Area Director CITI Pleasant Hill, CA (925) 356-8902 rae.colombage@citi.com

Job Description: Rae serves as Area Director for Citibank’s retail banking branch teams in Contra Costa, California. Since joining Citibank in 2009, she has been responsible for overseeing 19 branches and approximately 150 employees. About Rae: Rae has 23 years of experience in the Financial Services Industry. Prior to joining Citibank, Rae served as Senior Vice President and Consumer Market Executive for Bank of America, Consumer Bank in Concord, California from 2007 to 2009. In this capacity, she was responsible for revenue growth in the Diablo market by leading a team of more than 600 associates across 34 Banking Centers. From 2002 to 2007, Rae served as Senior Vice President and Market Manager for Bank of America Premier Banking. Rae received her bachelor’s degree from the University of Washington in Business Administration with a concentration in Finance. She also received her Personal Financial Planner diploma from the University of California Los Angeles and Executive Education Program diploma from Wharton School of Business. Rae also serves on the board of Habitat for Humanity East Bay/Silicon Valley.

Class of 2016 4

Mark Cook (Mark) Administrative Vice President M & T BANK Buffalo, NY (716) 891-2261 mcook@mtb.com

Job Description: Mark is the retail regional manager responsible for the consumer and business banking activities of 18 branches, totaling $2 billion in deposits and $1.4 billion in assets. About Mark: Mark has 20 years experience in financial sales and sales management. He has been with M&T Bank since 1993, and previously worked for HSBC. Mark earned his B.S. in Business Administration from Miami University of Ohio and has an MBA from SUNY-Buffalo.

Michael Corbett (Mike) SVP, Regional Manager PNC BANK East Brunswick, NJ (732) 220-3215 michael.corbett@pnc.com

Job Description: Mike is the Regional Manager for the Brunswick region in New Jersey. In this role, he is responsible for leading household and account growth, and overseeing retail banking teams that staff 18 PNC branch locations in the area. About Mike: Mike is a graduate of Kean University where he received his bachelor’s degree in Political Science and earned an MBA from the University of Phoenix. Prior to PNC, Michael worked for Wachovia. He has been with PNC since 2004.

John Corbin (John) Business Banking Market Manager HUNTINGTON BANK Indianapolis, IN (317) 269-4709 john.corbin@huntington.com

Job Description: John manages the business banking team for the state of Indiana. About John: John previously served as a Vice President and Relationship Manager in the Commercial Middle Market department. Prior to his affiliation with Huntington, he served in various leadership roles at Chase and Bank One. John serves his community as a board chair of Handi-Capable Hands, board member of the Beech Grove Economic Development Commission and is a member of the Lifepoint Christian Church. He earned a bachelor’s degree from Kelley School of Business at Indiana University.

Catherine Cox (Cathy) Senior Vice President SUNTRUST BANK Atlanta, GA (404) 724-3185 cathy.cox@suntrust.com

Job Description: Cathy is currently a Senior Vice President at SunTrust Bank. She is responsible for the development and execution of an omni channel strategy. About Cathy: Cathy has been with SunTrust since 2003 and previously worked for Accenture. Prior to her current role at SunTrust, Cathy was the Chief Administrative Officer for the sports & entertainment specialty group at the bank. Cathy received her master’s degree in Accounting from the University of West Florida.

DeAnna Douglas Owens (DeAnna) First Vice President SunTrust Bank Atlanta, GA (404) 813-3823 DeAnna.Douglas@SunTrust.com

Job Description: DeAnna is a project manager on the SunTrust Consumer Operations/Enterprise Growth Initiatives team. In this role, she provides leadership and support for process execution design for consumer deposit projects. This includes delivering on sustainable, sound processes within new and existing products and services while creating the optimal client and teammate experience. Biography: DeAnna joined SunTrust in May 2000 and has spent time in various roles throughout the organization including Branch Manager, Retail Project Manager, and Operations Manager. She also spent a year at GreenSky Trade Credit as a project manager. DeAnna earned her B.B.A in Management from Valdosta State University and her MBA from Georgia State University. DeAnna is returning after deferring last year.

Jeffrey M. Dyrlund (Jeff) SVP, Regional Manager PNC BANK Orlando, FL (321) 354-1774 jeffrey.dyrlund@pnc.com

Job Description: Jeff oversees the sales, service, and operations for 17 branches in the Orlando area. About Jeff: Jeff is married to his beautiful wife Missy and they have 2 young boys they are raising in Orlando, FL. His career began 14 years ago in the Financial Services industry, specifically focusing in investments and insurance, and the last 9 years have been in banking with PNC. When he is not working, his time is spent playing various sports with his kids and enjoying all of the outdoor activities that Florida has to offer.

Class of 2016 5

Christopher A. Engel (Chris) Vice President M & T BANK Baltimore, MD (410) 244-4119 cengel@mtb.com

Job Description: Chris’s primary responsibilities include managing the efforts of five business bankers around business development, sales results, portfolio management and personal development. About Chris: Chris started at M&T Bank in 2007, and previously worked for Northrop Grumman. He received both his bachelor’s degree and his master’s degree from Pennsylvania State University in Electrical Engineering. Chris also has an MBA from the University of Maryland.

Nancy Finch (Nancy) Strategic Planning Manager WELLS FARGO BANK Charlotte, NC (704) 383-6784 nancy.finch@wellsfargo.com

Job Description: Nancy is a Strategic Planning Manager on the Wells Fargo Bank HR Compensation Team. Nancy and her team provide reporting and analysis in support of compensation programs for the Community Bank line of business. About Nancy: Previously, Nancy was a Finance Manager and provided finance, sales and staffing support to executive leadership and regional finance teams in the Eastern Region. Nancy has been with Wells Fargo since 1990 and has held various positions in Finance and HR. Nancy earned her bachelor’s degree from the University of North Carolina at Greensboro in Accounting and is a CPA.

Cynthia J. Frederick (Cynthia) Director of Sales CITI Chicago, IL (312) 627-3055 cynthia.j.frederick@citi.com

Job Description: Cynthia is currently a Director of Sales at Citi. She partners with the Division Team to deliver sales and service for 72 branches and 274,000 households in Illinois. She leverages insight from field to understand best practices, develops educational programs and establishes common sales activities for the Division. About Cynthia: Prior to joining Citi in 2013, Cynthia was a Consumer Market Manager for Bank of America. Cynthia received her bachelor’s degree from Dominican University in Business Administration. In addition to English, Cynthia speaks Spanish.

Kurt Gemberling (Kurt) Operations Manager III BANK OF THE WEST Omaha, NE (402) 918-5471 kurt.gemberling@bankofthewest.com

Job Description: Kurt has been a part of the Retail Banking Group (RBG) Operations team since 2007 and was recently promoted to Operations Manager III. In this role, he and his team manage the daily operations of RBG and provide operational expertise for the successful implementation of revenue generating initiatives. About Kurt: Kurt is a native of Iowa but has lived in Omaha, Nebraska since 2002. Prior to his current position and since 1999, he has performed in a number of sales, service, and management roles in the bank’s retail branch network. Kurt received his Bachelor’s degree in Business Administration from Morningside College in Sioux City, IA and a Master’s degree in Business Administration from the University of Nebraska-Omaha.

Class of 2016 6

Anusha Gibson (Anusha) SVP, Head of Business Banking Deposits PNC BANK Pittsburgh, PA (412) 762-3342 anusha.gibson@pnc.com

Job Description: Anusha and her team manage portfolio profitability, growth and risk for multiple deposit product groups within the Retail Business Bank – including Checking, Savings & Liquidity, Treasury Management Services, Online Banking, and Mobile Banking. The team leverages market research, competitive analysis, and industry insights to create/sustain PNC Bank’s competitive advantage and grow market share. About Anusha: Anusha has a diversified Retail Banking background with roles in front-line management, strategic planning, financial analysis, communications, marketing, and product management. Anusha graduated with honors from Cleveland State University with a bachelor’s degree in Psychology. She also received a master’s degree in Business Administration with honors from Case Western Reserve University and a Juris Doctor from Cleveland Marshall College of Law. Anusha is also an active volunteer in many organizations including Junior Achievement, Cleveland Food Bank, and Susan G. Komen Foundation.

Lee Golden (Lee) SVP, Retail Market Manager IBERIABANK Fort Myers, FL (239) 332-0479 lee.golden@iberiabank.com

Job Description: Lee is currently a Senior Vice President and Retail Market Manager at IBERIABANK. He oversees the profitability and growth of a 10 branch retail market of the bank in Lee County, FL. About Lee: Lee joined IBERIABANK in 2012 and previously worked with Florida Gulf Bank as a group manager, overseeing the development and growth of deposit and loan products. Lee holds a B.A. from the University of Central Florida. He is on the board of the Greater Fort Myers Chamber of Commerce and Family Health Centers of SW Florida.

Yan Gong (Ivy) Business Director CAPITAL ONE BANK Glen Allen, VA (804) 239-8031 ivy.gong@capitalone.com

Job Description: Ivy is currently a Business Director at Capital One Bank. She manages debit and ATM fraud strategy, analysis, and investigation. She also manages debit card operations, authorization monitoring, exception processing, issue resolution and continuous process improvements to promote positive customer experience. About Ivy: Ivy received her master’s degree from The Robert H. Smith School of Business at the University of Maryland and her bachelor’s degree from Fudan University in English. Prior to Capital One, Ivy worked for Accenture.

Valerie Gotschewski (Val) Regional Sales Manager BMO HARRIS BANK Barrington, IL (847) 650-5027 valerie.gotschewski@bmo.com

Job Description: Val is the Regional Sales Manager at BMO Harris Bank. She manages the sales activities, process, and results through collaboration with the retail teams. She is also responsible for skill development, sales process, and communicating with a Region of 93 branches. About Val: Val received her bachelor’s degree from Northern Illinois University in Marketing with an emphasis in Professional Sales. Prior to BMO Harris, she held positions with Associated Bank and Wells Fargo.

Class of 2016 7

Jeremy Greenstein (Jeremy) SVP, Branch Banking Service and Operations Executive SunTrust Bank Atlanta, GA (404) 813-5016 Jeremy.greenstein@suntrust.com

Job Description: Jeremy is the Branch Banking Service and Operations Executive for SunTrust Bank. In this role, he is responsible for the client experience, service delivery, operations and risk management for the 1,450 branch network. About Jeremy: During his 15 year SunTrust career, Jeremy has held a number of leadership roles including Southeast Market Sales and Implementation Manager where he had responsibility for the sales strategies of the branches in Georgia and Florida, as well as the In-Store network. Prior to this, he was the Premier Banking Program Manager and was part of the core team responsible for designing and implementing the SunTrust Premier Program. Jeremy has also held positions such as Retail Deposit Portfolio Manager, Retail Sales and Service Director, Area Manager and Branch Manager. Jeremy earned a Bachelor of Arts degree from Vanderbilt University and a Masters of Business Administration from the Robert H. Smith School of Business at the University of Maryland.

Georgiana Grigore (Georgiana) Customer Experience and CRM Group Leader Raiffeisen Bank International AG Vienna, Austria +43 171707-8153 georgiana.grigore@rbinternational.com

Job Description: Georgiana is leading the Customer Experience and Customer Relationship Management (CRM) at Raiffeisen Bank International, which is one of the largest banking group in Central and Eastern Europe with a Retail presence in 15 markets. In her position, which represents a recent promotion, Georgiana provides strategic and tactical direction to the 15 local leaders in implementing their customer experience and CRM agenda. The position influences cross-bank agreements on how to deliver added value to customers, covering all segments and all distribution channels, such as branches, call centers, internet, phone & mobile and ATMs. About Georgiana: Georgiana has worked at Raiffeisen Bank for over 13 years, 4 in Austria and 9 in Romania, where she successfully fulfilled leading roles in the sales support, sales force effectiveness and service excellence.

Nathan Grushon (Nate) VP, Consumer Bank Technology U.S. BANK Louisville, KY (502) 724-3642 Nathan.grushon@usbank.com

Job Description: Nate is the Operations Manager for the Consumer Bank Technology Strategy Team. He coordinates intake, prioritization and implementation of the annual capital and tech planning process for the Consumer Bank. About Nate: Nate has worked at U.S. Bank for over 13 years. His roles have included Human Resources, Retail, Enterprise Revenue Office, Consumer Bank Strategy and Consumer Bank Technology. He graduated from Western Kentucky University with a bachelor’s degree in Social and Behavioral Studies and graduated from Capella University with an MBA.

Class of 2016 8

Jeremy A. Guiterrez (Jeremy) SVP, Business Banking Area Manager HUNTINGTON BANK Westerville, OH (614) 899-8222 jeremy.gutierrez@huntington.com

Job Description: Jeremy is the Central Ohio Business Banking Area Manager for Huntington. He was appointed to this role in April of 2013, while concurrently serving as the Business Banking Northwest Ohio Market Manager. About Jeremy: As an 18-year banking veteran, Jeremy has had the opportunity to hold various leadership positions within the banking industry after learning the business on the front line as a Special Assets Officer, Commercial Banker, and Business Banker. Jeremy currently leads the largest Business Banking Area, in terms of asset size, revenue, and personnel. He joined Huntington six years ago as a Business Banking Team Leader in Northwest Ohio. He has since advanced to Business Banking Market Manager, and most recently to Business Banking Area Manager. Jeremy received his bachelor’s degree from the University of Michigan and earned a Juris Doctorate from the University of Toledo. In addition to his role with Huntington, Jeremy has served as a Board Member or Trustee for the following organizations; United Way, Salvation Army, American Red Cross (Great Lakes Region), Toledo Chamber of Commerce Small Business Development Advisory Council, and University of Michigan Alumni Group of Northwest Ohio. Jeremy and his wife Jamie reside in Powell, OH and have two children.

Ryan Hale (Ryan) VP, District Manager U.S. BANK Phoenix, AZ (602) 222-4606 ryan.hale@usbank.com

Job Description: Ryan is a District Manager. He leads 11 branches in Arizona, an emerging market for U.S. Bank About Ryan: Ryan began career with U.S. Bank as a part-time teller over 21 years ago. He has led multiple branch locations in the Twin Cities area, including the headquarters office in downtown Minneapolis. In 2012, he became a district manager for U.S. Bank in Phoenix, an emerging, de Novo market with several acquisition branches.

Michael Harpole (Mike) Area President WELLS FARGO BANK Saint Petersburg, FL (727) 954-2161 michael.d.harpole@wellsfargo.com

Job Description: Mike leads a division within the retail bank consisting of 500 team members. He partners with other line leaders to exceed customer, team, company, and shareholder expectations. About Mike: Prior to his role as Area President, Mike was a District Manager with Wells Fargo Bank. He received his B.S. degree in Finance from SUNY-Oswego.

Kory Hauser (Kory) SVP, Finance Manager WELLS FARGO BANK Menomonee Falls, WI (414) 973-6746 kory.hauser@wellsfargo.com

Job Description: Kory is the Head of Finance for the Enterprise IT Division. The team is responsible for managing the Division’s budget while providing strategic financial guidance to help achieve corporate objectives. About Kory: Kory has been with Wells Fargo for 14 years. He has held various positions within the Technology Finance areas. Prior roles included manager of the IT Cost Recovery and Technology Infrastructure Finance teams. Kory has a degree in Finance from the University of Iowa. He and his wife have two children and reside in Sussex, Wisconsin.

Class of 2016 9

Paul D. Hendrickson (Paul) Vice President U.S. BANK Minneapolis, MN (612) 973-7987 paul.hendrickson@usbank.com

Job Description: Paul is a Vice President for U.S. Bank, managing the Consumer Product Banking Finance team. Paul is a key player in the development and management of Consumer Product programs and initiatives, including new product launches. About Paul: Paul has been with U.S. Bank for over 14 years in analytical roles for the Product and Marketing areas, leading the Consumer Product Banking Finance team the last 7 years. Paul has held a variety of analytic positions at other companies and participated in a bank management trainee program at Marquette Bank in Rochester, Minnesota. He holds an MBA in Finance and Operations from the University of Minnesota and a BA in Mathematics and Economics with a concentration in Statistics from St. Olaf College in Northfield, Minnesota.

Noreen Henriquez (Noreen) VP, Product Manager III CHASE New York, NY noreen.hernandez@chase.com

Job Description: Noreen is responsible for improving the client experience for the affluent customer segment and the experience of the bankers that serve them by implementing processes and enhancements that align to and deliver upon the value proposition of concierge banking. About Noreen: Noreen has been with Chase since 2010 and previously worked for New York Life Insurance Company. She received her bachelor’s degree in Business Administration from Baruch College. Noreen is a member of the Women Initiative Network at Chase and the Financial Women’s Association.

Alissa Hess (Alissa) Executive Director, Credit Policy & Analytics USAA FEDERAL SAVINGS BANK San Antonio, TX 830-431-3126 alissa.hess@usaa.com

Job Description: Alissa leads the teams responsible for Risk Infrastructure, Consumer Reporting and Credit Bureau Disputes. About Alissa: Before joining USAA in 2008, Alissa spent 5 years at Capital One holding various positions within credit card products, debit products, acquisition operations and business/data analytics. Alissa holds an MBA from Virginia Commonwealth University and a Bachelor of Business Administration in Information Systems from the University of Wisconsin - Madison. She also is a Six Sigma Greenbelt.

Lulzim Hoxha (Louis) First Vice President FIRST NIAGARA BANK Blauvelt, NY (845) 596-9531 louis.hoxha@fnfg.com

Job Description: Louis is currently a Senior Area Manager managing 18 Retail branches with over 105 associates in NY & CT markets. About Louis: Louis held positions with HSBC and Washington Mutual before joining First Niagara. He earned a bachelor’s degree in Mathematics from SUNY-College at Old Westbury and has an MBA in Accounting from Montclair State University.

Anthony Hudson (Anthony) Premier Services Market President BMO HARRIS BANK Greendale, WI (414) 817-5651 anthony.hudson@bmo.com

Job Description: Anthony is currently a Premier Services Market President at BMO Harris Bank. He leads 18 Premier Teams throughout Southeast Wisconsin. He has collaborated with internal partners to create a pilot Readiness Program that developed internal talent and prepared them for the Premier role. About Anthony: Anthony received his bachelor’s degree from Xavier University in Finance. Prior to joining BMO Harris in 2013, Anthony worked for Fifth Third for 10 years. He volunteers in his community with the YMCA.

Class of 2016 10

Jolanta Jakaviciute (Jolanta) VP, Regional Services Manager WELLS FARGO BANK San Francisco, CA (415) 537-8239 jakavjo@wellsfargo.com

Job Description: Jolanta is a lead Regional Services Manager for Pacific North Region. She supports the Retail Bank senior leaders and is responsible for leading a team in risk, operational, and compliance areas that supports the operational soundness of a retail region. Pacific North Region includes states of Alaska, Washington, Oregon and the Bay Area regions in the Northern California. Pacific North Region has over $79 billion in deposits, and consists of 6,340 team members, 523 stores, 53 districts and 11 markets. She leads a team of 5 Regional Services Managers with total staff of 51 team members. About Jolanta: Jolanta began her banking career in 1997 as a part-time teller and went on to hold various retail positions including Personal Banker, Store Manager, Lead Market Support Consultant, and in most recent years a Regional Services Manager in Northern & Central CA and San Francisco Bay regions.

Willie Johnson (Willie) Area Manager, SVP SUNTRUST BANK Memphis, TN (901) 484-8899 willie.johnson@suntrust.com

Job Description: Willie was named Area Manager for the Memphis Area in April 2012. He oversees twenty traditional branch teams in Memphis, as well as an Area Team Lead. About Willie: Willie has sixteen years of banking experience, and he joined the SunTrust team in June of 2008. During his tenure with SunTrust, he has demonstrated his leadership skills and abilities by leading the Area 2 Retail team in the Memphis Region, and by leading a team of Business Banking Relationship Managers as a Business Banking Team Lead in the Nashville Region. He held previous positions at Regions Bank and AmSouth Bank including Consumer Sales Manager, Mortgage Production Supervisor, Branch Manager, Assistant Branch Manager, and Management Trainee. Willie is a native of Birmingham, Alabama, and relocated to the Mid-South in 2003. He received his undergraduate degree from the University of Montevallo (Montevallo, AL) and his graduate degree from Union University (Jackson, TN).

Laura Lynn Jones (Laura) Senior Business Line Risk Manager U.S. BANK Minneapolis, MN (612) 973-8011 laura.jones2@usbank.com

Job Description: Laura manages a staff of 20 comprising the risk, network, compliance and strategic projects departments within the ATM & Debit Services business line. She also oversees audits conducted by regulatory agencies, including the OCC and OSFI, as well as internal audits. About Laura: Laura received her bachelor’s degree and J.D. from the University of Saint Thomas. She is a member of the Minnesota State Bar Association and American Bar Association. Laura joined U.S. Bank in 2006. Prior, she worked as a law clerk.

Stan Kadelski (Stan) SVP, ATM Sales & Operations

PNC BANK Philadelphia, PA (215) 749-3204 stanley.kadelski@pnc.com

Job Description: Stan oversees sales and service of the entire PNC ATM fleet. He manages all aspects of a sales/service delivery channel for a network of geographically diverse ATMs. He coordinates and performs complex, specialized and multi-phased initiatives related to ATM banking’s business objectives. About Stan: Prior to joining PNC, Stan worked for other financial organizations, specializing in ATM, Debit, and Prepaid Card Operations, and Loss Prevention. Stan is a graduate of Lycoming College and holds a Bachelor of Arts degree in Political Science.

Class of 2016 11

Keith Kozlowski (Keith) Vice President FIRST NIAGARA BANK Buffalo, NY (716) 572-8670 keith.kozlowski@fnfg.com

Job Description: Keith is a Senior Product Manager with a focus on product, portfolio and fee income management, along with the development of pricing and sales strategies, in order to increase customer demand, retention and cross-sales, with a constant goal to improve the customer experience. About Keith: Keith has extensive experience in data analytics, report development, project management, training and mentoring. He has over 9 years of banking experience in both customer-facing and back office roles where his talents are frequently leveraged for problem resolution. Prior to becoming a Senior Product Manager, Keith spent multiple years within branch management and as a Senior Analyst within Performance Improvement, a high-impact team, where his primary focus was to increase shareholder value through revenue enhancement, cost reduction and increased efficiency across all lines of business.

Juliane Krause (Julie) Administrative Vice President M & T BANK Carlisle, PA (717) 241-7705 jkrause@mtb.com

Job Description: Julie recruits and manages a regional team of Business Banking Relationship Managers and additionally coordinates with internal business partners to influence sales efforts and cross sales. About Julie: Julie has been with M&T since 1998. She earned a Bachelor of Science degree in Psychology from the University of Texas and obtained her MBA from the William E. Simon School of Business Administration at the University of Rochester. Additionally, she has received her CTP (Certified Treasury Professional) designee from the Association of Financial Professionals. Julie is also actively involved in several non-profit organizations in the community. She currently serves on the Board of Directors for the Carlisle Family YMCA, the Fredricksen Library Board of Trustees, and most recently, joined the Board of Directors for the Eagle Foundation. Julie currently resides with her husband and twin 13 year-olds in Hampden Township, PA.

Kevin Krohn (Kevin) VP, District Manager U.S. BANK Ogden, UT (801) 393-0602 kevin.krohn@usbank.com

Job Description: Kevin is a Vice President and District Manager at U.S. Bank. He manages the branches within his district, providing strategic direction and leadership.

Class of 2016 12

Amir Madjlessi (Amir) Executive Vice President Managing Director, Business Banking Santander Boston, MA (617)316-3934 (423934) amir.madjlessi@santander.us

Job Description: Amir directs and manages the Sales Strategy and Sales Execution Support teams for Business Banking in the $0M-$25MM company size space. He leads all revenue driving strategies by developing, implementing and monitoring all sales and service metrics. Amir also leads all client portfolio management expectations, business line and field management routines and vertical expansion efforts. About Amir: Amir has over 17 years of sales strategy, sales execution and management experience. He has worked at Citizens Financial Group for 11 years and has held several roles in Retail Banking, Business Banking and Strategy & Development. Amir is passionate about leading successful teams to meet and exceed strategic objectives. He’s originally from the Bay Area in California and has lived in San Francisco, San Diego, Boston and Chicago. He’s married with two young boys, and currently lives in Boston, MA. He loves sports and spending time with his family.

Rory Maher (Rory) Administrative Vice President M & T BANK Newark, DE (302) 651-1624 rmaher@mtb.com

Job Description: Rory oversees the sales and operations of the retail branch locations in central Delaware About Rory: Rory has been with M&T Bank for 10 years. He has an MBA degree from Strayer University and a B.A. degree from McDaniel College. Rory lives in Hockessin, DE with his wife and two daughters, 11 and 8 years old.

Jad Malek (Jad) Regional Banking District Manager 3

WELLS FARGO BANK Phoenix, AZ (623) 434-6388 jad.malek@wellsfargo.com

Job Description: Jad manages 180 team members. His role is to coach and develop his team to excel in service, sales quality, team member engagement and operational and financial integrity. About Jad: Jad was born in Lebanon, attended grade school and High School in Dubai (UAE), and moved to Arizona in 2001. His first job was as a teller with Wells Fargo Bank, where he is still currently employed as a District Manager. He has been married to his wife, Lindsay, for 13 years and they have one child, Eli. In his free time, he enjoys spending time with his friends and family and going to the gym.

Andrew Marnell (Andy) VP, Corporate Credit Analyst WELLS FARGO BANK West Des Moines, IA (515) 213-6182 andrew.j.marnell@wellsfargo.com

Job Description: Andy is responsible for the reporting and analysis of the mortgage portfolio, specifically focused on regulatory and oversight issues. About Andy: Andy received his bachelor’s from Dartmouth College in Comparative Politics and minor in Financial Markets and Intermediaries. He joined Wells Fargo in 2012 and has over 10 years experience in financial analysis.

Ryson Matsumura (Ryson) SVP, Regional Manager Bank of Hawaii Honolulu, HI (808) 694-4182 ryson.matsumura@boh.com

Job Description: Ryson currently oversees 18 branches in the Metro West Oahu Region and focuses on sales, service, operational risk and compliance. About Ryson: Ryson began his career at Bank of Hawaii in 2005 as a Bank Associate in the Na Hoku Imua Bank Associate Program as a Management Trainee. Over the course of his career, he has held positions as Bank Associate, Assistant Branch Manager, Branch Manager, and Regional Manager. He received his degree in Business Management from the University of Northern Colorado. Ryson has been married to his wife Rene for 7 years and they have 2 children, Reese (2½ years) and Ryder (15 months).

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Sarah Mayle (Sarah) SVP, Director of Retail Sales FIRSTMERIT BANK Akron, OH (330) 384-7801 sarah.mayle@firstmerit.com

Job Description: Sarah is a Senior Vice President and Director of Retail Sales at FirstMerit Bank. She directs all technical, revenue, and efficiency related projects for Greater Retail ensuring progress towards key objectives. She is responsible for developing and delivering sales, services, and operational training programs that enhance performance and ensure career pathway progression for all branch employees. About Sarah: Sarah received her bachelor’s from Malone College in Business Communication with a minor in Business Management. She joined FirstMerit in 2003. There, Sarah has served as a team leader for greater retail for CRBC Acquisition & Conversion growing the bank from 15 to 25 billion in assets. She won the District Manager of the Year Award in 2009.

Daniel Stephen Mazzeo (Danny) Assistant Vice President and Wealth Lender Support Officer BB&T CORPORATION Winston Salem, NC (336) 733-3036 dmazzeo@bbandt.com

Job Description: Danny is currently an Assistant Vice President and Wealth Lender Support Officer within the Retail Lending Group. He is responsible for credit decisions and risk management in BB&T’s Wealth loan portfolio. About Danny: Danny began his career with BB&T in 2004 as he worked his way through college. Danny graduated from the College of William and Mary in 2006, and subsequently from BB&T’s Leadership Development Program in 2009. He has held numerous roles within BB&T throughout his career in both the branch environment as well as support services.

Melanie McGehee (Melanie) VP/Regional Manager Wells Fargo Bank Irvine, California (949) 396-9212 mcgehemm@wellsfargo.com

Job Description: Melanie is the lead regional leader for the Wells Fargo At Work program responsible for 20 states in the Pacific Mid West Region. Her team is responsible for driving new consumer household acquisition growth. About Melanie: Melanie is a 32 year veteran of Wells Fargo. She began her career as a teller in 1984 and has held multiple positions in retail banking. She managed retail stores for 10 years then served as a district manager for 10 years in Orange County, CA. In her current role, she has 8 direct reports across Pacific Mid West Region. Melanie lives in Irvine, California with her husband Chip and four children ages 12-26. She enjoys traveling, cooking, Yoga, and entertaining.

Gia Miles (Gia) VP, Regional Services Manager WELLS FARGO BANK Raleigh, NC (919) 881-7275 gia.miles@wellsfargo.com

Job Description: Gia is responsible for store operations and risk for the Piedmont East Region of Wells Fargo. Located in eastern North Carolina the Piedmont East Region consists of 176 retail locations, 6,959 team members and has over $15.38 billion in deposits. About Gia: Gia is a 39 year veteran of Wells Fargo. During her tenure she has progressed through the retail bank in both customer facing, support roles and leadership positions. She resides in Raleigh, North Carolina having moved from Greenville, South Carolina in February of 2016.

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Steven Mills (Steve) SVP, Regional Services Manager WELLS FARGO BANK McLean, VA (310) 270-3708 steven.a.mills@wellsfargo.com

Job Description: Steve oversees store operations, including compliance and loss mitigation, for all retail stores in North Carolina, Maryland, Virginia and Washington, D.C. About Steve: Steve first joined Wells Fargo in 1992. As a Vice President, he serves as a strategic retail banking business partner who actively participates in risk mitigation, team member development, improving the internal and external customer experience, and improving loss management. He has over twenty years of retail banking experience and has worked in three of the highest-risk markets in the United States; Los Angeles, Miami, and the Mid-Atlantic region. Steve works closely with the Senior Management Team in strategic planning, partnering to improve

many facets of the retail bank environment.

Cynthia Morris (Cindy) SVP, Senior Marketing Manager PNC BANK Sarasota, FL (941) 378-2928 cynthia.morris@pnc.com

Job Description: Cindy is a Senior Vice President and Senior Marketing Manager for Corporate and Institutional Banking at PNC. She is responsible for strategy development and execution of marketing communications for the following PNC businesses: Treasury Management, Capital Markets, Financial Institutions, Business Credit, Equipment Finance and Healthcare. About Cindy: Cindy joined PNC in 1999 and has 25 years experience in marketing strategy and communications, business development, product marketing, web marketing, and market research. Cindy earned a bachelor’s degree in Business Administration from Canisius College and an MBA from Houston Baptist University. She is a member of the American Marketing Association and Association for Financial Professionals. She is also on the Board of Directors of The Humane Society of Sarasota County.

Erin Murnan (Erin) Market Leader, Sr. Private Client Advisor, VP BANK OF THE WEST Omaha, NE (402) 918-5473 erin.murnan@botw.com

Job Description: Erin is the Market Leader for Wealth Management in Omaha, NE. She manages a team that provides the bank’s clients with sophisticated, client focused wealth strategies and customized banking solutions for affluent and high net worth clients. Clients have access to professionals focused on banking, lending, investment management, insurance, trust services as well as business succession and retirement planning while working with partners in Mortgage, Business Banking, Commercial Lending and National Banking. About Erin: Erin joined Bank of the West in 2007 and previously worked for Wells Fargo and First National Bank of Omaha. She received her bachelor’s degree from Creighton University in Business Administration with a focus in Accounting and Finance. Erin has her Series 7, 66 and Life and Health Insurance licenses. Erin serves on numerous boards including Omaha Outward Bound School, Completely KIDS, the Nebraska Medicine Guild, St. Vincent de Paul Finance Committee and Co-Chair of St. Vincent de Paul School’s SPREE Fundraiser.

Brandon North (Brandon) Deposits Group Product Manager JP MORGAN CHASE Columbus, OH (614) 213-6885 brandon.north@chase.com

Job Description: Brandon is the general manager for the safe deposit box business. This includes P&L management, marketing, product management, branch administration, drilling, and escheatment activities. About Brandon: Brandon has been with JP Morgan Chase since 2007 and previously worked for Bank of America, General Electric, and Accenture. His past banking roles have included retail market management, Six Sigma, real estate management, and innovation management. He is a graduate of Miami University with degrees in Finance and Spanish. He lives in Columbus, Ohio with his wife and three kids.

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Kenya Palmer Chalmers (Kenya) Senior Operations Manager CAPITAL ONE BANK Laurel, MD (301) 939-6744 kenya.palmer chalmers@capitalone.com

Job Description: Kenya is currently responsible for driving sales revenue for a retail bank call center. Her other duties include customer service, risk management and hiring/recruitment.

Lee Ann Piontek (Lee) VP, District Manager U.S. BANK Kansas City, MO (816) 746-2903 lee.piontek@usbank.com

Job Description: Lee Ann is a Vice President and District Manager for U.S. Bank in Kansas City, Missouri. About Lee Ann: Before joining U.S. Bank five years ago, Lee Ann spent 28 years with Bank of America. At Bank of America, all but 3 years were in the retail division until moving to the National Customer Experience Team. It was there she achieved her Green Belt in Six Sigma. Lee Ann has a great passion for employee engagement and the customer experience. When she is not working, Lee Ann enjoys spending time with her family, reading and scrapbooking.

Ryan Potter (Ryan) Senior Vice President - WorkPlace Banking Channel Manager

PNC BANK Charlotte, NC (704) 643-5585 ryan.potter@pnc.com

Job Description: Ryan leads the WorkPlace Banking channel for PNC, which is the largest out-of-branch sales channel and second largest driver of consumer household acquisition for the retail bank. About Ryan: Ryan has over 16 years of financial industry experience with PNC Bank, where he has held various roles in the credit card, retail banking, and consumer default departments. He began his banking career while attending Western Michigan University, where he earned a bachelor's degree in Information Systems and Business Administration.

Chad Powers (Chad) VP, Consumer Product Management

BLACK KNIGHT FINANCIAL SERVICES Jacksonville, FL (904) 527-0964 chad.powers@bkfs.com

Job Description: Chad is a Vice President of Consumer Product Management at Black Knight Financial Services. He is responsible for managing the consumer loan servicing business. About Chad: Chad received his bachelor’s degree from Ohio Dominican University in Business Management. Prior to joining Black Knight, Chad worked for Huntington Bank and National City Bank.

Wade Pyron (Wade) VP, Corporate Marketing REGIONS FINANCIAL CORPORATION North Birmingham, AL (205) 264-4299 wade.pyron@regions.com

Job Description: Wade manages all aspects of marketing for an 11 billion dollar consumer loan business. He develops internal and external marketing and communication plans. He manages a team charged with execution of all tactical plans. About Wade: Wade has spent 20+ years in retail and banking primarily in the disciplines of Finance and Marketing. Wade spent 10 years with Saks Incorporated where he undertook a number of marketing analytics roles both within the retail and corporate finance areas. Following that, he joined BBVA Compass where he spent 9 years in finance, incentive plan development, business development, and marketing roles. Wade joined Regions Bank in 2013 where he leads the marketing efforts for their consumer lending operations. Combining the analytical discipline of finance with marketing is Wade’s chief pursuit. He has a BS in Finance from Auburn University.

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Anthony Rappa (Anthony) Senior Vice President BANK OF THE WEST Omaha, NE (402) 918-5442 anthony.rappa@bankofthewest.com

Job Description: Anthony is a Senior Vice President at Bank of the West. He supervises a region consisting of 35 branches. He provides direct oversight/coaching for six Area Managers and two RCSM. About Anthony: Anthony received an MBA at East Carolina University in Management. He received his bachelor’s also from East Carolina University in Molecular and Biotechnology. Prior to Bank of the West, Anthony worked for Bank of America and Wells Fargo. He is a member of the Habitat for Humanity ReStore Committee.

Michael San Martin (Mike) SVP U.S. BANK Phoenix, AZ (602) 222-4590 michael.sanmartin@usbank.com

Job Description: Mike is a region manager for small business banking teams in Arizona and Nevada. About Mike: Mike has over 20 years of experience in the financial services industry, and has held senior level positions in both Small Business Banking and Marketing. He joined U.S. Bank in 2010. Mike grew up in Berkeley, CA and graduated from the University of California, Berkeley with a degree in Economics. In 1996, he earned his MBA at the University of Michigan.

Sarita Scheufens (Sarita) Retail Market Manager IBERIABANK Lake Charles, LA (337) 312-7650 sarita.scheufens@iberiabank.com

Job Description: Sarita is currently a Senior Vice President, Retail and Business Banking Market Manager for Southwest Louisiana. About Sarita: Sarita has over 20 years of banking experience. She attended McNeese State University where she studied Psychology. She is very active in the Southwest Louisiana community where she is a Board Member of Family and Youth Counseling Agency’s Court Appointed Special Advocates Board, Vice Chair of the Southwest Louisiana Chamber Workforce Development Committee, member of the United Way Finance Committee, former member of the Autism of Southwest Louisiana Board and volunteer for a host of financial education services offered within the Lake Charles Market. Sarita is married to William, and together they have three children and one granddaughter.

Christopher Seagram (Chris) VP, Marketing Manager CHASE Dublin, OH (614) 213-5157 christopher.g.seagram@chase.com

Job Description: Chris manages engagement strategy for Chase programs including cost to serve and non-interest income programs. About Chris: Chris earned his MBA from the University of Hull (U.K.). He is a native of South Africa, and has worked with companies including Pepsico and Heineken. Chris moved into the financial services industry in 2008 with Wells Fargo.

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Sara Shields (Sara) Vice President PNC BANK Kalamazoo, MI (269) 973-1444 sara.shields@pnc.com

Job Description: Sara is leading 100 team members focused on loan servicing for Corporate, Asset Management, and Asset Resolution with a 4.5MM budget. She is driving her team towards a new culture of accountability by instilling a data driven approach to process management through KPIs coupled with a focus on team member coaching, development and performance management. About Sara: Sara got her bachelor’s degree at Western Michigan University in Education. She joined PNC in 1997. Prior to her current role, Sara was manager of centralized processing and acquired accounting loan operations.

Vincent A. Soetanto (Vincent) VP Analytics Consultant WELLS FARGO BANK Charlotte, NC (310) 347-8019 vincent.soetanto@wellsfargo.com

Job Description: Vincent is responsible for sales planning and forecasting the community bank and ad-hoc sales analytics. Biography: Vincent earned his Bachelor of Science degree in Management Information Systems, Application Development from California State University – Long Beach. He started at Wells Fargo as a teller and has held positions of increasing responsibility to his current role. In addition to English, Vincent speaks Indonesian.

Eric Soh (Eric) Vice President TIAA FEDERAL SAVINGS BANK New York, New York (212) 916-4551 esoh@tiaa-cref.org

Job Description: Eric proactively coordinates and manages the planning and administrative activities of the TIAA FSB organization, including strategic business planning, day-to-day business management activities, as well as the Program Management Office (PMO) functions. Eric leverages his years of experience in various strategic and change management roles to help drive tighter engagement and collaboration within the TIAA FSB organization and across the wider enterprise. About Eric: Prior to TIAA-CREF, Eric held various strategic planning, program management, operations and technology roles at Morgan Stanley and JPMorgan Chase. He earned both of his bachelor’s and master's degrees at The Queens College, City University of New York.

Dan Souvenir (Dan) VP, Area Manager UMPQUA BANK Vancouver, WA (360) 906-9539 dansouvenir@umpquabank.com

Job Description: Dan provides support in staff development, lending and deposit production, operational soundness, and recruitment and hiring of staff. About Dan: Dan is from Brush Prairie, Washington. He is married with two grown children. He has been in the banking industry for 23 years, the last eight years with Umpqua Bank as a retail banking area manager.

Venetia L Stadler (Venetia) VP, Operations Senior Manager PNC BANK Brecksville, OH (440) 546-6664 venetia.stadler@pnc.com

Job Description: Venetia is currently a Vice President and Operations Senior Manager for PNC Bank. She oversees units in Brecksville, OH and Pittsburgh, PA. She is responsible for identifying credit/operational risk and fraud as related to deposit accounts. About Venetia: Venetia received her MBA and bachelor’s from Baldwin Wallace College in Business Administration. She joined PNC through the merger with National City. Venetia created a new department within legacy National City to mirror an existing process at PNC responsible for identifying work location, creating cost centers, setting up recorded phone lines, hiring FTE, etc. She was also the recipient of the 2007 National City Excel Award.

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Jill Streit (Jill) SVP, Finance Director EVERBANK Jacksonville, FL (904) 623-8038 jill.streit@everbank.com

Job Description: Jill is the finance director for capital markets, secondary marketing, and treasury. She is responsible for financial planning and analysis, governance, internal controls and financial results including transaction work and technical accounting. Jill is responsible for the planning, management and execution of the budget for multiple business units including Portfolio Management, Treasury and Secondary Marketing. She oversees the financial accounting and reporting for the aforementioned business units, including the review of transactions and other complex accounting matters. She is the key liaison responsible for managing business unit relationships with the OCC and FDIC, as well as, internal and external examiners.

Laurie Szpak (Laurie) VP, Director BMO HARRIS BANK Milwaukee, WI (262) 347-5514 laurie.szpak@bmo.com

Job Description: Laurie has responsibility for all Sales Effectiveness program & process design functions that impact BMO Harris’ US Retail and Small Business Banking teams. About Laurie: Laurie joined BMO Harris in 2000 as a personal banker, and has held roles of increasing responsibility. She received her B.A. in Business Administration from the University of Wisconsin-Milwaukee.

Janice Tedesco (Janice) VP, Marketing Manager HUNTINGTON BANK Columbus, OH (614) 480-5494 janice.tedesco@huntington.com

Job Description: Janice currently leads initiatives for Acquisition Marketing, managing over $40 million in spend for both Direct Marketing & Media with an outreach to over 12 million TV Households and 25 million Prospective Direct Mail customers. About Janice: Janice joined Huntington Bank in February 2012. Her broad banking experience has ranged from overseeing all consumer deposit checking products at Huntington, as well as previously supervising fee based products and customer marketing efforts as a Product and Segment Manager for Chase. Prior to initiating her career in banking, she worked in the marketing department at Highlights for Children and Victoria’s Secret. She earned a BA in Sociology from the University of Cincinnati and holds a master’s degree in Marketing and Communications from Franklin University. In addition, Janice has recently been accepted to serve on an internal board focused on customer interaction driving primary bank relationships with quality and consistent revenue streams.

David J. Thompson (Dave) Regional Director Michigan Schools and Government Credit Union Troy, Michigan (586) 263-8800 Ext. 477 dthompson@msgcu.org

Job Description: As a Regional Director, Dave is responsible for loan growth, new membership growth and service per member. Dave also provides support in staff development and project management. About Dave: Dave is a graduate of Ferris State University where he received his bachelor’s degree in Marketing and Sales. Dave has over 27 years of retail banking experience.

Elaine Torres (Elaine) Vice President WELLS FARGO BANK Fremont, CA (925) 768-1297 telaine@wellsfargo.com

Job Description: Elaine is responsible for directly managing 10 Consumer and Business Deposit team member’s virtually, including activities associated with medium to complex projects related to consumer and business deposits, supporting systems, products, services, policy requirements and procedures. About Elaine: Elaine has 39 years experience in banking and started with Wells Fargo in 1975. She has been in her role as project manager since 2006. She volunteers time with events supporting the Multiple Sclerosis Foundation.

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Martin Tourville (Marty) Area Manager, VP BANK OF THE WEST Brea, CA (714) 612-0720 marty.tourville@bankofthewest.com

Job Description: Marty oversees 7 branches. He coaches and develops the branch team, ensuring a lift in sales and service. About Marty: Marty started his banking career as a Business Specialist II. He was a CSM for 6 months and was promoted to Branch Manager. He was promoted three times in 8 years and ended his career with Wells Fargo managing one of the top branches in Orange County. He moved to Bank of the West in 2010 and managed the Tustin branch for 2.5 years before being promoted to area manager in 2012.

Meagan Upshaw (Meagan) Vice President of Special Assets FROST BANK San Antonio, TX (210) 220-6873 meagan.upshaw@frostbank.com

Job Description: Meagan manages a portfolio of problem commercial relationships with the goal of resolution through rehabilitation, exit, or liquidation. About Meagan: Born and raised in San Antonio, Meagan has been with Frost Bank since graduating from Texas State University with a degree in Finance/Accounting in 2005. During her first 3 years at Frost, she was a credit analyst for a commercial and industrial lending team and then moved to commercial loan workout/special assets at Frost's downtown headquarters in 2009. Since 2009, she has been a Special Assets Officer and specializes in restructuring debt, liquidating assets and real estate foreclosures.

John Vasquez (John) Regional Banking District Manager 3

WELLS FARGO BANK Phoenix, AZ (623) 874-4400 john.j.vasquez@wellsfargo.com

Job Description: John is the District Manager for the Phoenix District. About John: John has over 17 years of retail experience, with 7 years in the banking industry. John also served in the U.S. Armed Forces from 1994 to 2001. He is married to his wife, Lynnette, and has two daughters, Ravyn and Isa. They reside in Mesa, AZ.

Matthew Wagner (Matt) Portfolio Risk Manager, VP BB&T CORPORATION Greensboro, NC (336) 433-4419 mfwagner@bbandt.com

Job Description: Matt is responsible for ensuring efficient and balanced risk management of the Dealer Finance Auto portfolio. About Matt: Matt was born and raised in the Metro Detroit area. He attended Hillsdale College in Hillsdale, MI for his bachelor’s degree and Walsh College in Troy, MI for his master’s degree. He started his career working for ABN AMRO/LaSalle Bank in Troy, MI working on the Mortgage Risk and Admin side. He spent 5 years with them before moving to Flagstar Bank, working on Indirect Consumer, Mortgage, and Commercial Risk. He moved over to GMAC/Ally Financial soon after where he worked on the Global Auto Risk and Consumer Credit Ops sides of the business. In October 2013 he accepted a position with BB&T Dealer Finance that relocated him to North Carolina. John and his wife, Kristin, have two sons. His main hobby, when he can get to it, is playing golf.

Leah Wehinger (Leah) Senior Vice President SUNTRUST BANK Atlanta, GA (404) 813-6605 leah.wehinger@suntrust.com

Job Description: Leah is the Head of the Wealth Services Group, and oversees the development and execution of the business strategy for SunTrust’s Private Wealth Management line of business. In this role Leah’s group leads functional areas including the client and advisor experience, strategic solutions, advisor productivity, advisor development and national sales, banking product management, business analytics, and incentive administration. About Leah: Before joining SunTrust, Leah served in various roles at Wells Fargo Advisors and its predecessors (Wachovia, First Union and Wheat First Securities), and is a graduate of the College of William and Mary.

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Andrew Wise (Andrew) Vice President CHASE Columbus, OH (614) 248-9959 andrew.wise@chase.com

Job Description: Andrew is currently an Executive Director at Chase Bank. He leads new customer acquisition & deposit growth marketing for the Consumer Bank. About Andrew: Andrew received his bachelor’s degree from The University of Wisconsin-Milwaukee. Prior to Chase, he worked for M&I Bank.

Matthew Wyner (Matt) SVP, Retail Sales Leader KEYBANK Cleveland, OH (216) 689-8251 matthew_r_wyner@keybank.com

Job Description: Matt is Senior Vice President and Retail Sales Leader for KeyBank’s East Ohio Region. Matt is responsible for Key’s 151 branch Retail and Small Business Network in the Greater Cleveland, Akron, Canton, Youngstown, Mansfield, and Columbus markets. About Matt: Prior to his current role, Matt served as Key’s Business Banking Executive for Northeast Ohio, and as the Retail and Business Banking Executive for Key’s Northern Indiana Market. Matt is a past president of the Board of Directors for Connections. Matt also serves on the board of trustees for the President’s Council Foundation. Matt has a bachelor’s degree in English from Louisiana State University and a master’s degree in Business Administration from Cleveland State University.

Kimberly Yanni (Kimberly) Strategy Consultant WELLS FARGO BANK Charlotte, NC (704) 383-2820 kimberly.a.yanni@wellsfargo.com

Job Description: Kimberly is a strategy consultant for the Greater Washington DC Region and manages the Real Estate portfolio and FP&A reporting for the Mid Atlantic Region. The Mid Atlantic Region (Virginia, DC, and Maryland) includes Retail Banking, Wealth Management, and Business Banking and consists of $65B assets, $61B liabilities, $1.5B revenue, $1B expenses, and 400 stores. About Kimberly: Kimberly began her career with Wells Fargo 15 years ago as a teller while attending UNLV. During college, she held various positions within the retail branches before transitioning to a support role in retail finance. As a financial consultant, she supported both the state of Nevada and the Los Angeles market in financial planning and analysis. In 2010, she relocated to Charlotte, NC as a consultant to the Mid Atlantic Region.

Jennifer Yungbluth (Jennifer) SVP, Director Consumer Business Performance First Niagara Bank Buffalo, NY (716)-270-8668 jennifer.yungbluth@fnfg.com

Job Description: Jennifer leads the Consumer Business Performance group with primary responsibility for branch network, contact center, small business, wealth and mortgage sales operations. This includes; sales and service strategy, customer onboarding, incentive and commission program management, network optimization (staffing models, sales productivity and goal setting), reporting, training, and sales communications. About Jennifer: Jennifer joined First Niagara in January 2013 as VP, Incentive Administration Manager followed by Director, Retail Channels Administration for the Retail Channels team. Prior to joining First Niagara, Jennifer held leadership roles in product management and incentive administration at HSBC in Buffalo, NY and previously managed sales operations in the fields of manufacturing and technology. Jennifer earned her bachelor’s degree in Business Administration from the University at Buffalo.