Citizens Commercial Banking Advisory Board Member & Citizens Membership Biographies

Advisory Board Member Biographies

3

Lawrence A. Aubin

LAWRENCE A. AUBIN is President and CEO of Aubin Corp, a commercial and industrial development firm based in Seekonk, MA. A Rehoboth resident, Aubin has played a leadership role in the southeastern New England business and nonprofit communities for more than four decades – serving on the boards of Durfee-Attleboro Bank, South Shore Bank and Bank of Boston, currently serving on the advisory board of Citizens Bank, New England, and basing his philanthropic activity at Rhode Island Hospital and its Hasbro Children’s Hospital. Since 2009, Aubin has also served as a member of the Providence College Business Advisory Council. Aubin is chairman of Lifespan Corporation, a RI based health network encompassing Rhode Island Hospital, Hasbro Children’s Hospital and three other hospitals (The Miriam Hospital, Newport Hospital and Bradley Hospital), as well as Gateway Healthcare, the region’s largest behavioral health provider. He also serves on the Lifespan Board of Trustees and chairs the Lifespan Facilities Committee. In that capacity, and as past chairman of the Rhode Island Hospital Development Committee, he has played a leadership role in the transformation of the Rhode Island Hospital campus over the past seven years, planning and overseeing construction of the hospital’s new emergency department, surgical suites, cancer center and other facilities. Aubin previously was involved in the $24M campaign to build Hasbro Children’s Hospital, and led the effort to raise the funding needed to establish the hospital’s Child Protection Center which provides screening and treatment programs for children whose lives are touched by abuse and neglect. For the past fifteen years, Aubin has chaired the annual Hasbro Children’s Hospital Invitational, which has raised more than $2.7M for the ongoing support of the Center.

4

Gene Chaiken

GENE CHAIKEN, Chairman, is Almo Corporation’s second-generation leader in a family-owned business and has spent nearly the last 42 years directing the company’s growth and diversification. While at the helm, Chaiken has been responsible for guiding the company through 20 acquisitions and three major divestitures while growing revenue from $8M per year to more than $1B. A 2010 Dealerscope magazine “Hall of Fame” inductee, Chaiken is known in the industry as “a consensus-builder who makes the right decisions.” Chaiken is dedicated to serving the community and has volunteered his time and leadership to fulfill many philanthropic roles in the Philadelphia area. He served as the Vice Chairman of the Board at Philadelphia College of Osteopathic Medicine for 24 years, and was a former member of the Leadership Gifts Committee at Pennsylvania State University. He has also served as a member of the board for Pennsylvania State University, Bell Microproducts, Inc., the Greater Philadelphia Chamber of Commerce and the Big Brother Association of Philadelphia, and he has been President of Beta State Foundation at State College, Pennsylvania; President and Chairman of the Board for the National Electronic Distributor Association, President of the Electronic Industry Show Corporation and Chairman of the Fundraising Committee for the Electronic Distribution Education Foundation. Chaiken holds a B.S. in Accounting from Pennsylvania State University and holds an Honorary Law Degree from the Philadelphia College of Osteopathic Medicine. He joined Almo Corporation in 1963 and was named Chairman of the Board and CEO in 1973. Almo Corporation is the nation’s leading independent distributor of major appliances, consumer electronics and professional A/V equipment. Founded in 1946, Almo is headquartered in Philadelphia, Pennsylvania and operates 10 regional distribution facilities with more than 1.7 million square feet of warehousing throughout the United States

5

James F. Conway III

Executive Vice President, RR Donnelley Book Platform

RR Donnelley (Nasdaq:RRD) helps organizations communicate more effectively by working to create, manage, produce, distribute and process content on behalf of their customers. The company assists customers in developing and executing multichannel communication strategies that engage audiences, reduce costs, drive revenues and increase compliance. RR Donnelley's innovative technologies enhance digital and print communications to deliver integrated messages across multiple media to highly targeted audiences at optimal times for clients in virtually every private and public sector. Strategically located operations provide local service and responsiveness while leveraging the economic, geographic and technological advantages of a global organization.

RESIDENCE 31 Fern Street, Wells, ME 04090 FAMILY Children – James IV and Michelle EDUCATION Harvard College, Cambridge, MA - BA, 1975 Xavier University, Cincinnati, OH - MBA, 1979 CAREER Courier Corporation and Subsidiary:

• Chairman, President and CEO – 1994 to 2015 • Elected Chairman of the Board - September 1994 • Elected President, Chief Executive Officer and

Acting Chairman - December 1992 • Elected President and Chief Operating Officer - July 1988

OTHER AFFILIATIONS • Associated Industries of Massachusetts, Boston, MA - Director and

Past Chairman • Book Manufacturers’ Institute, Inc. - Director and Past President • Enterprise Bank and Trust Company, Lowell, MA - Director • Greater Lowell Community Foundation ـ Director • The Lowell Plan - Director and Past Chairman • Massachusetts Business Roundtable - Director • American Textile History Museum - Trustee • Massachusetts Taxpayers Foundation Inc. - Director

6

Paul A. Glantz

PAUL A .GLANTZ serves as the President of Proctor Financial, Inc. (“PFI”) and the CEO of Detroit’s Emagine Theatres. Since 1989, Glantz has focused his efforts on building entrepreneurial businesses. Particularly noteworthy have been his accomplishments at PFI, a leading provider of specialized insurance services to mortgage servicers nationwide. He has helped guide PFI and its affiliates from a value of less than $1M to over $50M. Monetizing the aforementioned appreciation in value, he successfully quarterbacked the sale of PFI’s flood division to TransUnion, LLC, and the balance of the firm to Brown & Brown, Inc., a leading NYSE listed insurance intermediary. Under Glantz’s leadership, PFI consistently generated the largest single-year operating profit of any Brown & Brown profit center. Glantz is CEO of Emagine Novi, Emagine Canton, Emagine Rochester Hills, Emagine Royal Oak, Emagine Macomb, and Emagine Palladium. He has raised over $55M in capital to initiate those ventures; and in doing so, brought his concept of an exemplary entertainment experience to reality. He is an expert in the cinematic exhibition industry. He has been at the forefront of technological change in the theatre industry, particularly the transition to high-definition digital presentation, deployment of two of the world’s first four “4K” Texas Instruments/Christie digital projectors at Emagine Royal Oak and by initiating its premium large format concept, the E-Max Experience, and by introducing Dolby’s revolutionary Atmos sound systems to the Michigan marketplace. Glantz holds a Bachelor of Science Degree in Business Administration from Wayne State University and a Master’s Degree in Taxation from Walsh College. He has been recognized by Wayne State’s Business School by awarding him its Distinguished Alumnus Award, by the State’s Irvin D. Reid Honors College naming him as one of its first ever “Pillar Award” recipients, by Ernst & Young as Michigan and Northwest Ohio Entrepreneur of the Year and by Walsh College with the Distinguished Alumnus Award. Glantz is actively involved in numerous philanthropic endeavors. His volunteer efforts include serving as a member the Board of Directors of The Detroit Regional Chamber of Commerce and Gleaners Community Food Bank of Southeastern Michigan, member of the Wayne State University Business School Board of Visitors, as a member of the Wayne State University Foundation Board, as Chairman of the Wayne State University Foundation Investment Committee, and as Treasurer of the Detroit Chapter of Variety International. In recognition of his contributions, Mr. Glantz was awarded the 2007 Presidential Citation Award by the Detroit Chapter of Variety International, The Children’s Charity. In 2014, Mr. Glantz was honored by the Salvation Army with their “Doing the Most Good Award” and Winning Futures recognized him as its Businessman of the Year in honor of its founder, Sam Cupp. Mr. Glantz and his wife, Mary are the proud parents of two terrific college-age sons, Jack and Jim.

7

Alan R. Guttman

ALAN R. GUTTMAN is the Chief Executive Officer of Guttman Energy, Inc.; founded in 1931, and headquartered in Belle Vernon, PA. Guttman Energy provides energy solutions including petroleum products, natural gas and electric power to commercial, wholesale and retail markets. Alan started his career with Guttman Energy in 1972. Guttman Energy is one of a group of family-owned companies known as The Guttman Group. The Guttman Group consists of Guttman Energy, Inc., Source One Transportation, LLC, and Guttman Realty Company. Mr. Guttman presently serves on the Board of Directors of the Jewish Healthcare Foundation of Pittsburgh. In addition to his family-owned companies’ boards, Mr. Guttman also serves on the Board of Directors of Giant Eagle, Inc. Alan received his Bachelor of Science Degree in Finance from Penn State University in 1969, and his Juris Doctor Degree from George Washington University Law School in 1972. Alan and his wife, Sara, reside in Pittsburgh, PA.

8

Samuel F. Heleba

SAM HELEBA is CEO/President and part of the ownership team of Graphic Controls Acquisition Corp. Graphic Controls has four base businesses: Vermed, Biomedical Innovations, Transactional Media and Industrial Recording Supplies. Graphic Controls has three manufacturing facilities in North America and four in Europe employing over 700 people. Sam is a graduate of the University of Vermont with a BA in Chemistry and gained his MBA from Babson College in Wesley, MA. He attended Seattle University in pursuit of a JD. In addition, he attended Harvard University’s Graduate School of Business Strategic Marketing Management program in Cambridge, MA. Following a one year adventure teaching high school Chemistry and Life Science, Sam began his career with Morton Thiokol starting in R&D and moved into Engineering then Marketing. He was recruited by W. R. Grace in Cambridge, MA where for thirteen years he grew in the organization resulting in his management of a $50M Specialty Chemical Business, increasing the International Market penetration of product groups in the UK, Europe and throughout Asia Pacific. In 1996, Sam joined Tyco Healthcare in Mansfield, MA. As the Director of Marketing, he managed a $120M Specialty Adhesives Business focusing on Medical, Retail and Industrial business on a global level. While at Tyco, Sam played a significant role in their acquisition activity including the purchase of Graphic Controls in 1998. Sam became President of Graphic Controls headquartered in Buffalo, NY with facilities in Canada, Spain, France, Germany, Belgium and UK in 1999. In 2004, Sam and his management team purchased Graphic Controls from Tyco International. Graphic Controls is the global leader in the manufacture of charts and recording instruments used in industrial applications such as gas and oil recovery, general manufacturing and food and beverage. Graphic Controls is the global leader in supplying TITO (ticket-in ticket-out) for slot machines in over 20 countries. In 2013 Graphic Controls established their Vermed and Biomedical Innovations businesses. These two entities now command 41% of Graphic Controls’ portfolio. In 2010 Graphic Controls began its partnership with Westview Capital based in Boston, MA. With this partnership Graphic Controls has completed eight acquisitions all of which Citizen was the lead bank. Plans are to continue to push organic growth coupled with a proactive acquisition strategy.

9

David M. Hirsch

DAVID M. HIRSCH is Managing Director of Mustang Partners, LLC, a private investment firm located in Providence, RI. He has recently completed a four year term as chairman of the Rhode Island Foundation where he brought both substantial financial acumen and leadership in civic affairs to the RI community. He has served on the board of directors since 2003 and as chairman of the investment committee since 2004. David held key positions in the wire and cable industry before joining Vertex Distribution LLC (formerly Pawtucket Fasteners LLC), where he had been President and CEO from 1972 to 2009. He is past associate chairman of the National Fastener Distributors Association. A trustee of his alma mater, Rensselaer Polytechnic Institute, chairman of its governance committee, and former national chairman of its annual fund, David is also active in Rhode Island philanthropy. He is past chairman of the Miriam Hospital Foundation and served as co-chairman of the Wheeler School Centennial Fund. He is also past trustee of National Conference for Community Justice (now Rhode Island for Community Justice). David’s involvement in Jewish philanthropy is considerable: as past president and campaign chairman of the Jewish Federation of Rhode Island, as past vice president of the state’s Jewish Community Center, and as past national vice-chairman of the United Jewish Appeal. David is a member of the Providence Police Advisory Board and a member of the Board of Advisors of Main Street Resources LP, a private equity firm. In addition to his bachelor in electrical engineering from Rensselaer, he holds an MBA from Harvard University.

10

Douglass E. Karp

Douglass E. Karp is involved in all aspects of New England Development's business, including site acquisition, financing, permitting and planning, design, construction and leasing. He manages the firm's retail and mixed-use development projects and works closely with New England Development’s family of companies, including Nantucket Island Resorts, MarketPlace Development, The Pinehills, Newburyport Development, and Old Sandwich Golf Club. He also serves as asset manager for Nantucket Island Resorts, a collection of premier hospitality and retail properties on Nantucket. In addition to his development and asset management experience, Mr. Karp brings to New England Development the perspective of a retailer, including expertise in market research, real estate development, and marketing. Prior to joining New England Development in 1999, Douglass co-founded Lids, the specialty retail pioneer and leader of officially licensed and branded athletic fashion headgear. Under his leadership, the firm grew to include more than 400 mall-based, airport, and street level stores throughout the country. Mr. Karp serves on the boards of Boston Children’s Hospital Trust, Combined Jewish Philanthropies, Union College, New England Aquarium, Boston Youth Sanctuary, and the Massachusetts chapter of NAIOP. Douglass also serves on the Harvard Kennedy School Taubman Center Advisory Board. He received a B.S. degree from Union College and is a graduate of the Harvard Business School Owner/President Management Executive Education Program.

11

Sharmain Matlock-Turner

Sharmain Matlock-Turner is the President and CEO of the Urban Affairs Coalition. She began her tenure at the Coalition in March of 1999, with a special distinction as the first woman to lead in the organization’s 45-year history. The Urban Affairs Coalition, formerly GPUAC, unites government, business, neighborhoods, and individual initiative to improve the quality of life in the region. In partnership with a diverse Board of Directors, made up of business, nonprofit and community leaders, Sharmain and her team of managers and more than 400 employees forge partnerships and build consensus to help families reduce poverty and reach the middle class. The organization’s efforts are focused in four areas: improving life changes for youth and young adults; building wealth in low income communities; strengthening the grassroots nonprofit sector; and forging strategic partnerships across sectors and communities. Ms. Matlock-Turner is founder and chair of the seventeen-year-old, West Oak Lane Charter School. In addition, she serves on the following boards and commissions: Philadelphia Facility Management Corporation, which owns Philadelphia Gas Works (PGW); Peirce College Board of Trustees; Entrepreneur Works, Board of Directors; Greater Philadelphia Chamber of Commerce; Children’s Scholarship Fund Philadelphia; Clear Channel Local Advisory Board; Philadelphia Civil Service Commission Nominating Panel; Philadelphia Council for College and Career Success; Philadelphia Cultural Alliance; and African American Chamber Foundation Board of Directors. Ms. Matlock-Turner is a founder and board member of the Arise Academy Charter High School, the first public charter high school for youth in foster care in the country. In 2010, Sharmain was appointed by Mayor Michael Nutter to serve as Chair of the Advisory Committee for the Office of Economic Opportunity, a new initiative to improve contracting and employment opportunities for women, the disabled and people of color in Philadelphia. Ms. Matlock-Turner has received numerous awards recognizing her hard work and commitment to families and communities. Over the past few years, she has been the recipient of the Valley Youth House Community Achiever of the Year Award, Take the Lead Award from Girl Scouts of Eastern Pennsylvania and she has received the Citizen Volunteer of the Year Award from the United Way of Southern Pennsylvania, she was the first woman to receive the LaSalle University Leadership Award, the Imprint Award from the People’s Emergency Center, the Civic Investment Award from Community College of Philadelphia, the American Red Cross Clara Barton Award the Honorary Myrna Field Award from CASA Philadelphia, and the Women in the NAACP, 100 Influential Black Women In Philadelphia Award and many others. She has been honored by the Women’s Christian Alliance, the American Women’s Heritage Society, Pennsylvania Senate, Pennsylvania House of Representatives, City of Philadelphia, OARC, Black United Fund, WOMENS WAY, Philadelphia Business Journal, Philadelphia Tribune, the March of Dimes, CLARIFI and the Federal Reserve Bank. She received the first Helena T. Devereux Leadership Award, presented by The Devereux Foundation. Ms. Matlock-Turner is often asked to speak to local, regional and national organizations. She is a regular guest on 6abc's public affairs television program Inside Story. Ms. Matlock-Turner holds a BS degree in Education from Temple University. In 2005, she was one of three Philadelphia nonprofit leaders selected to receive a scholarship to the Harvard Business School’s nonprofit leaders' summer program. In 2014 she received an Honorary Doctorate Degree of Humane Letters from Peirce College. She is a Philadelphia resident and is married to Tony Turner with two grown daughters, Ayanna Matlock and Naima Turner and the grandmother of Joshua Matlock Hale.

12

John Morison, III

John Morison, III, was educated in Lyndeborough, New Hampshire public schools and the Northfield Mount Hermon School. He graduated from the University of New Hampshire in 1976 with a B.A. in economics. John started his career as an inside sales representative in the Satellite Division, Cabot Corporation. In 1978, he became regional sales manager in France, followed by regional sales manager in Brazil in 1980 and for all of Latin America in 1981. John joined Hitchiner in 1983 as production control manager of the Ferrous Division. He became director of new business development in 1985 and in 1991 became vice president of sales and marketing. In 1994 he became president of international and in February of 1995 was appointed president and chief executive officer. In May 2002 he was appointed chairman.

13

Regina Pisa

REGINA PISA is the Chairman Emeritus of Goodwin Procter LLP, a leading Global 100 law firm serving clients from locations in the United States, Europe and Asia. Pisa led the firm as Chairman, and before that as Managing Partner, for more than 16 years, from 1998 to 2014. She was the first woman to head an AmLaw 100 law firm in the United States and one of the youngest executives to take the helm at the time of her appointment. A recognized national business leader, Pisa’s vision and leadership fostered an unprecedented period of growth for Goodwin. Shortly after assuming her leadership role in 1998, she spearheaded a strategic plan that raised the firm to national prominence. The plan resulted in an expansion to several new markets, an intense focus on high-growth practice areas and the acquisition of lateral attorneys in key markets. Under her strategic guidance, Goodwin transformed dramatically from a major regional law firm to a leading national and international firm with more than $770M in revenue and more than 850 attorneys. Today, Goodwin is well-known as a leader in its service to clients in many industries, including financial institutions, technology, life sciences, private equity, and real estate capital markets, among others. The American Lawyer recently recognized Pisa’s innovative leadership style and vision for big ideas, naming her one of the “Top 50 Big Law Innovators of the Past 50 Years,” noting “over the last 50 years a few dozen men and women have had an outsize impact on the profession. . . people whose ideas, policies, and practices have left an indelible mark on the legal industry over the last five decades”. In addition to her role as Chairman Emeritus and thought leader to the legal industry, Pisa practices law, advising clients in the financial services industry and representing well-known banks and investment companies. Her merger and acquisition work with financial institutions has earned her and the firm national recognition and a place among the nation’s top bank M&A practices. Pisa is listed in Chambers USA: America’s Leading Lawyers for Business, U.S. News-Best Lawyers and LawDragon 500. When not practicing law, finds time to support myriad organizations devoted to improving the lives of women and children. Pisa also serves as the Chair of Simmons College in Boston, whose undergraduate curriculum is focused on preparing women for leadership. Pisa received her A.B, from Harvard University (Radcliffe College), M.A., B.A., from St. Hilda's College, University of Oxford, and J.D., from Georgetown University Law Center, where she was editor-in-chief of The Tax Lawyer. Pisa also served as the Chair of the Board of Visitors of Georgetown University Law Center

14

Baiju R. Shah

BAIJU R. SHAH is CEO of BioMotiv and Co-Leader of The Harrington Project. He has been actively involved since its creation in all aspects including vision definition, business model development, fundraising, talent and board recruitment, strategic partnering (pharmaceutical and disease organizations), investment diligence and execution, organizational oversight, and partnering transactions. Shah also overseas BioMotiv portfolio companies and leads BioMotiv’s interactions with investors and strategic partners. Prior to BioMotiv, Shaw was President and CEO of BioEnterprise. BioEnterprise—a partnership of Case Western Reserve University, Cleveland Clinic, Summa Health System, University Hospitals and the BioInnovation Institute in Akron—is a business formation, recruitment and acceleration initiative to support the growth of bioscience companies in Northeast Ohio. The non-profit accelerator provides management advice, business development, and access to capital to biopharmaceutical, medical device, and health care services ventures in the Cleveland area. The organization has a broad and deep network within the biomedical investment space ranging from grant sources to seed and angel funds to venture and private equity groups to strategic investors and boutique investment banks. During Shah’s decade long tenure, the initiative assisted in the creation, recruitment and acceleration of more than 110 bioscience companies in Cleveland that collectively attracted $1.3 billion in new funding, primarily from venture capital and private equity sources. In addition, BioEnterprise serves as a catalyst for industry initiatives such as entrepreneurial support infrastructure, new translational centers, major real estate development, talent programs and state advocacy programs. The initiative’s success has been recognized by several national awards for regional development and capital attraction, and has helped establish the Cleveland region as a nationally-recognized center for bioscience innovation.

Shah serves on the Board of Invacare (NYSE: IVC) and on the Advisory Board of Citizens Financial Group (NYSE: CFG). Prior to founding BioEnterprise, Shah was a consultant with McKinsey & Company, where he played a leading role in its Growth and Business Building practice serving clients in the financial services, technology and industrial sectors.

In the Northeast Ohio community, Shah serves of the Boards of Global Cleveland and Destination Cleveland. He has also served as the founder and Chair of TiE (The International Entrepreneurs) Ohio and Summer on the Cuyahoga.

He has been named an Ernst & Young Entrepreneur of the Year and has been recognized as one of Cleveland’s most powerful and influential leaders. Shah, a Cleveland native, received a J.D. from Harvard Law School and his B.A. from Yale University.

15

Dian C. Taylor

DIAN C.TAYLOR has served as Chair of the Board, President & Chief Executive Officer of Artesian Resources Corporation and Subsidiaries since 1992. She currently serves on the Board of Directors of the American Heart Association, she serves on the Board of Directors of the Delaware State Chamber of Commerce, is First Vice President of the Committee of 100, serves on the Advisory Council for the Girl Scouts of the Chesapeake Bay, is a member of the Delaware Roundtable, and is a Trustee of Christiana Care Hospitals. Previously, Ms. Taylor served as a Commissioner for the Delaware River and Bay Authority, Citizens Bank Board of Directors, was a member of the Board of Advisors for Goldey Beacom Business College, a member of the Delaware Council on Economic Education at the University of Delaware’s Lerner College of Business and Economics, a Councilperson on the Delaware Economic and Financial Advisory Council, as President of the Delaware Chapter of the International Women’s Forum, a member of the Board of Directors of the Cecil County, Maryland SPCA, and is past president of the National Association of Water Companies.

16

Kevin Washington

KEVIN WASHINGTON is President and CEO of YMCA of the USA (Y-USA), the national resource office for the Y—a leading nonprofit committed to strengthening community through youth development, healthy living and social responsibility. Collectively, the nation’s YMCAs engage 22 million members (9 million of whom are under the age of 18) annually, employ 250,000 staff and benefit from the service of 600,000 volunteers. Washington assumed his post on Feb. 1, 2015, and is the 14th person and first African-American to lead the Y Movement in the U.S. He came to Y-USA from the YMCA of Greater Boston, where as President and CEO from 2010 to 2014 he expanded membership and access by reducing rates, increased diversity and engagement among the Board of Directors to better reflect the community and implemented a childhood-education quality initiative that benefits thousands of children and families throughout eastern Massachusetts. Prior to Boston, Washington served as President and CEO of the YMCA of Greater Hartford from 2000 to 2010. Under his leadership the Hartford YMCA invested more than $60M to develop or expand eight facilities and camps. He was Chief Operating Officer for the YMCA of Metropolitan Chicago from 1995 to 2000, and previously held other executive roles with the Chicago YMCA and the Philadelphia Freedom Valley YMCA. He got his start in the Y as a Youth Program Director at the Philadelphia YMCA's Christian Street branch in 1978. Even before joining Y-USA, Washington played a central role in determining the national direction of the Y. He served as Chairman of the CEO Advisory Committee that guided the development Y-USA's strategic plan for 2014 to 2017. He also was a member of the Y-USA Board of Directors from 2004 to 2009 and previously provided leadership to Y-USA's National Diversity Initiative, Aquatic Safety Task Force and National Mentorship Program for young Y leaders. He is Immediate Past Chair of the Association of YMCA Professionals Board of Directors. A native of Philadelphia, Washington earned a bachelor’s degree in history from Temple University.

Citizens Bank Colleagues Biographies

18

Chapin C. Bates Executive Vice President Metro New York Region

Chapin Bates, Executive Vice President, is Head of the New York Metro Corporate Banking teams covering New York City and the greater metropolitan area. Chapin joined Citizens in April 2017 after a 22 year career at JP Morgan Chase and its heritage banking franchises. Most recently he led the Chase commercial banking teams covering Manhattan and Brooklyn. In that role he was responsible for relationship banking services, originating capital markets solutions and cross-sell of key products and services. Prior to that, Bates led Interest Rate Derivative and FX sales teams across the U.S. including risk advisory specialists. His various roles in risk management spanned 23 years, during that period he lead the automation of foreign currency payments with the development of on-line currency payment and hedging tools. Chapin began his commercial banking career in 1982 covering the southern African region from London, returning to the Midwest as a relationship manager. Chapin is a board member of the Eagle Academy Foundation in New York City. He is a graduate of the Northwestern University Kellogg School of Management and earned his Bachelor of Arts at Hobart College. He and his wife have three grown children and live in Manhattan since 2006.

19

Ralph M. Della Ratta, Jr.

RALPH M. DELLA RATTA JR. has nearly 40 years of experience in investment and commercial banking. Prior to founding Western Reserve, he managed the Investment Banking division of McDonald Investments Inc. During his 12 year tenure as Senior Managing Director and Manager of Investment Banking, Della Ratta increased the headcount of bankers from 18 to 236 and grew the revenue over ten-fold. He also positioned the firm to consistently rank among the top 15 M&A advisors nationally and top 5 for M&A transactions below $250M. Della Ratta was responsible for the firm’s business with its corporate clients and for the firm’s activities in mergers and acquisitions, initial and secondary public offerings, private placements and private equity. In addition, he chaired the firm’s Investment Committee. Subsequent to the sale of McDonald to Key Corp., Della Ratta became Manager of the combined Investment Banking Groups of McDonald and Key Corp. He was also named a member of KeyCorp.’s Executive Committee, as well as the Equity Underwriting, Debt Underwriting and M&A Commitment Committees.

Prior to joining McDonald Investments Inc. in 1987, Della Ratta was employed at American Fletcher Corporation, Indianapolis, N.A. (now JPMorgan Chase) for 10 years, most recently in the capacity of a Division Manager in the Corporate Group. His previous experiences at Bank One, Indianapolis include: Manager, International Banking Division; Board Member and Executive Director of American Fletcher Bank Suisse, S.A.; General Manager of the European Branch, Luxembourg; and Area Manager for Europe, Middle East and Africa. Della Ratta was a member of numerous management committees at American Fletcher Corporation, Indianapolis.

Della Ratta holds a BA from Duke University, MBA from the American Graduate School of International Management and graduate degree in Banking from the Stonier Graduate School at Rutgers University. He serves on the Board of Directors of numerous private and public companies, including TCP, Inc. (Lead Independent Director), Olympic Steel Inc. (Lead Independent Director) and NDI Medical. He is a past board member of MAI Wealth Advisors LLC, McDonald & Company Securities, Inc. and Hyland Software.

Della Ratta is actively involved in various charities and not-for-profit organizations and currently serves on the Board of Trustees for Kent State University (appointed by Governor John Kasich), University Hospitals Health System (Investment Committee Chair and Strategic Committee Member) and Rainbow Babies & Children’s Hospital National Leadership Council (past Chair). He is also a member of the 50 Club of Cleveland. He has previously served the Rock and Roll Hall of Fame (Board Member), University Hospitals Case Medical Center (Board Member), the Ohio Venture Capital Authority (appointed by Governor Ted Strickland) (Chair), the City Club of Cleveland (President and Chair of its Campaign for a New Century), Business Volunteers Unlimited (Board Member, Executive Committee Member and Chair of the Capital Campaign), the Annual Fund of Duke University (Board Member and Executive Committee Member), the Duke Alumni Association (Board Member and Executive Committee Member), the Cleveland Center for Contemporary Art (Board Member), the United Cerebral Palsy Telethon (Chair), INROADS of Northeast Ohio (Chair), the Achievement Centers for Children (President) and the Capital Improvements Board of the City of Indianapolis (Board Member and Treasurer).

20

Daniel K. Fitzpatrick

President, Citizens Bank, PA/NJ/DE

Head of National Mid-Corporate and Industry Verticals

DANIEL K. FITZPATRICK, a commercial banking executive with more than 25 years of experience, is President of Citizens Bank of Pennsylvania, New Jersey and Delaware, and Head of National Mid-Corporate and Industry Verticals. He serves on Citizens Financial Group’s (CFG) Executive Leadership Group, the company’s senior leadership team. CFG is headquartered in Providence, R.I. Fitzpatrick, a native of Philadelphia, is a former chairman of the Greater Philadelphia Chamber of Commerce and serves on its executive committee and its CEO Council for Growth. As chairman of the CEO Council’s Human Capital Working Group, Fitzpatrick has focused on the development of programs and initiatives aimed at workforce development in order to facilitate economic growth and employment opportunity. Dan is also a member of the Board of the Allegheny Conference on Community Development and a member of the Heinz History Museum Board in Pittsburgh. Active in the community, he is a member of the board of trustees of La Salle University, the Greater Philadelphia Urban Affairs Coalition and a member of the executive committee of the Philadelphia Convention and Visitors Bureau. He is a member of the board of directors of the Wistar Institute and on the Advisory Board of Drexel University’s College of Engineering. Dan was recently appointed by Mayor Michael Nutter to the Philadelphia Works Board of Directors and appointed the presiding Chairperson of the Philadelphia Council for College and Career Success Sub-Committee. As a result of Fitzpatrick’s community efforts, Citizens Bank and Fitzpatrick individually have received numerous community awards, including the Police Athletic League Award, the Philadelphia Academies Inc. Stand and Deliver Award, and the YMCA of Philadelphia and Vicinity’s John Wanamaker Corporate Award. Fitzpatrick earned a bachelor’s degree in business administration from La Salle University and an M.B.A. from Drexel University. He is a CPA and a Chartered Financial Analyst. Fitzpatrick lives in Newtown, Pa., with his wife Beth and their four children.

21

Joseph C. Giampetroni

Executive Vice President Head of Midwest Region

Joseph C. Giampetroni is Regional Executive for the Midwest and a member of the bank’s Executive Leadership Group, the company’s Senior Leadership Team. He is responsible for the Corporate Banking business in all Midwestern states with professional teams in Chicago, Michigan and Ohio. Giampetroni joined Citizens from U.S. Bank where he was the Division Head for Midwest Corporate Banking. Prior to that, he held Managing Director roles at Wells Fargo Securities and JP Morgan Chase, managing key corporate client relationships in Midwest geographies and across the U.S. Giampetroni is a native of Southeast Michigan and earned a Bachelor’s degree in Finance and Economics from Eastern Michigan University and is an active FINRA licensed registered representative. He is married with two college aged daughters and is active in his community serving on the Board of Trustees for Cristo Rey HS, a Jesuit college prep school serving under-privileged students on the near southwest side of Chicago.

22

Gary Magnuson

Head of Commercial Real Estate, Executive Vice President

Gary Magnuson is an Executive Vice President and is the head of Citizens Commercial Real Estate Finance business. He is also a member of Citizens Executive Leadership Group. Since joining Citizens in 1991, he has held many different roles responsible for the management of a variety of different business units. He started his career in banking as a management trainee at Bank of New England in Boston, where he held a number of positions prior to joining Citizens. Gary is currently a member of the Real Estate Roundtable and a director emeritus of the Associated Industries of Massachusetts having served as Chairman and Treasure. He is participant in the Boston Partners for Education – “Big Cheese Reads” program. He is a former member and Chairman of the Duxbury School Committee. Previously he held director positions at Hospice Care of Rhode Island, YMCA of Greater Boston, and the Massachusetts Business Development Company. Magnuson earned an MBA from Boston University and a Bachelor of Science in Accounting and Business Administration from the University of Delaware.

23

Don H. McCree

Vice Chairman and Head of Commercial Banking, Citizens Bank

DONALD H. MCCREE is Vice Chairman and Head of Commercial Banking at Citizens Financial Group. He is responsible for all aspects of Commercial Banking, including Corporate Banking, Commercial Real Estate, Asset Finance, Corporate Finance and Capital Markets, Treasury Solutions, and Corporate Affairs. He also oversees the company’s network of state presidents, who represent Citizens in the 11 states that make up its footprint. And he is a member of the CFG Executive Committee. McCree joined Citizens in September 2015 from JPMorgan Chase, where he held a number of senior leadership roles over 31 years at JPMorgan and its predecessor companies. Most recently he was Head of Corporate Banking and CEO of Global Treasury Services, with responsibility for providing relationship banking services to commercial clients as well as innovative treasury and trade finance solutions to small businesses, multinational corporations, financial services firms and government entities worldwide. Prior to that, McCree led and transformed a variety of large, complex businesses and functions in roles including Head of Global Credit Markets, North American Co-Head of Fixed Income and Head of Wholesale Risk Management. Active in the community, McCree serves on several charitable boards. He is a graduate of the University of Vermont, and he sits on the UVM board of trustees and on the UVM Foundation board of directors.

24

Brian Peters

Head of Southeast Corporate Banking

Brian Peters is the Regional Executive and Head of Southeast Corporate Banking, as well as a member of the Executive Leadership Group here at Citizens Bank. Brian joined Citizens in December, 2016 with the mandate to build a corporate banking business in the states from Virginia and Kentucky heading south to include Florida and west to include Texas. Brian joined Citizens following a successful 21 year career at SunTrust Robinson Humphrey. He held a number of leadership roles there including the Head of National Corporate Banking, Head of the Commercial Banking Line of Business, Head of Consumer & Retail Investment Banking and Head of Financial Services and Technology Investment Banking. Previously, Brian managed the eastern U.S. Operations of Ritchie Bros. and he began his career with a 5 year stint at Mellon Bank. Active in the Atlanta, Georgia community, he has served as the Chairman of the Board of a non-profit technology firm and is currently volunteering with a local high school. He received Bachelor of Arts in mathematics from Western Kentucky University and a Master of Business Administration from Indiana University. He and his wife have three children.

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Girard “Jerry” Sargent

President, Citizens Bank, Massachusetts

Head of Middle Market Banking, Citizens Bank

JERRY SARGENT is the head of Middle Market and Not-for-Profit Banking, is the President, Citizens Bank, Massachusetts, leads the state president organization and co-chairs the bank’s Board of Advisors. The business he leads covers 15 offices across the Northeastern, Mid-Atlantic and Midwestern portions of the United States. Before joining Citizens, he previously led State Street Corp.’s commercial banking expansion into Northern New England and New York State. He has prior experience across all facets of commercial banking including small, mid-sized and large corporate business, as well as real estate, international and not-for-profit enterprises. He serves on various business boards aimed at improving the vitality of local markets. In this capacity, Sargent serves on the executive committees of the Greater Boston Chamber of Commerce and the Massachusetts Business Roundtable. In 2011 Governor Deval Patrick appointed him to the Massachusetts Economic Development Planning Council. He was also the former Chairman of MassEcon and former board member of the Massachusetts Taxpayers Association. He stays civically active and serves on the board of trustees of the New England Baptist Hospital and the board of overseers of the Boys and Girls Clubs of Boston. He was a former board member of the United Way of Massachusetts Bay, the board of overseers of the Boston Children's Hospital and the board of visitors of Lawrence Academy. Sargent is a graduate of Bowdoin College, where he earned a degree in economics.

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Peter H. Smyth

PETER H. SMYTH is the chairman and chief executive officer of Greater Media, Inc., one of the nation’s leading broadcasting companies. He is responsible for overseeing the operational efforts of 21 AM and FM radio stations in Boston, Charlotte, Detroit, Philadelphia and New Jersey; a group of weekly newspapers in central New Jersey; and several telecommunications towers throughout the United States. An active philanthropist, Smyth currently serves on the Board of Directors of New England Baptist Hospital and the One Hundred Club of Massachusetts, an organization dedicated to enhancing the welfare and safety of the families of police officers and firefighters. Additionally, he is an Advisory Board member of the Home Base Program of Boston, which provides clinical care, education, research and support services for military veterans and their families throughout New England. Smyth has been recognized by numerous organizations throughout the Commonwealth for his commitment to the community. In May of 2007, he received the “Humanitarian of the Year” Award from the Hundred Club of Massachusetts. He has also been honored in the past by numerous organizations for his philanthropic efforts, including Special Olympics MA, the USS Constitution, Rogerson Communities, and the Salvation Army. On an industry level, Smyth was named “America’s Best Broadcaster” twice over the course of his career. He received the “Golden Mike” Award from the Broadcasters Foundation of America for exemplary service in the Radio Industry and in October of 2014 was named among the “Giants of Broadcasting” by the Library of American Broadcasting. In addition, he has consistently been named over the past decade among the top ten “Most Powerful People in Radio” by Radio Ink magazine, a leading broadcasting publication. Smyth delivered the official commencement address for Boston College’s Carroll School of Management in 2012 and for Suffolk University in 2011, where he was awarded an Honorary Doctor of Commerce degree. He is a graduate of the College of the Holy Cross in Worcester, Massachusetts.

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Ted Swimmer is Executive Vice President and Head of Corporate Finance and Capital Markets for Citizens Financial Group. Including in this group are capital markets debt distribution, sales and trading activities, leasing, asset based origination, and structured finance. It also contains all sponsor and leveraged finance origination, and the strategic client acquisition group. Today, the capital markets platform is a consistent top 7 lead arranger of middle market loans and, a top 5 lead arranger of sponsor transactions. Ted is also responsible for the bank’s Global Markets business, encompassing interest-rate products and foreign exchange. Ted is a member of the bank’s Loan Underwriting Committee, The Commercial Banking Executive Management Committee and the bank’s Executive Leadership Group. Prior to his current position, Ted was the head of the Capital Markets Group since 2010 and then assumed responsibility for the Sponsor and Corporate Finance Groups in 2014. Before joining Citizens in 2010, Ted managed all of Wachovia Securities’ Leveraged Finance origination activities. Prior to running Leveraged Finance, he ran Loan Syndicate and Sales for Wachovia from 2004-2008. Prior to that Ted was a Managing Director originating leveraged loans and bonds. He is Series 7, 63 and 24 certified, holds an M.B.A. in finance from Columbia University and a B.A. in economics and history from Lafayette College.

Ted Swimmer

Head of Corporate Finance and Capital Markets

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Stephen R. Woods

Head of Corporate Banking, Citizens Bank

STEPHEN R. WOODS is executive vice president and head of Corporate Banking for Citizens Bank. Corporate Banking, the largest division in the Commercial Banking group, holds approximately $50 billion in loan commitments, generating 72 and 70 percent, respectively, of annual Commercial Banking revenue and pre-tax net income. As head of Corporate Banking, Woods is responsible for Citizens’ nationwide business efforts, including Middle Market, MidCorporate, Asset-Based Lending, Franchise Finance, Not-for-Profit, Professionals Banking and Government Banking. Roughly 500 people are employed in Corporate Banking across the 11 states in the Citizens Bank footprint and several states outside the footprint. Woods serves on the bank’s Loan Underwriting Committee, the Commercial Banking Executive Management Committee and the bank’s Executive Leadership Group (the company’s senior leadership team). Woods joined Citizens in 2007 to lead the bank’s MidCorporate Banking business unit, serving customers with annual sales of $500 million to $2 billion throughout the Citizens franchise. Prior to assuming his current position, Woods also served as market president in Massachusetts. Before joining Citizens, Woods was the national sales executive for Cleveland-based Key Corp, overseeing 29 offices from Boston to Seattle, more than 400 employees and $25 billion in loan commitments. Previously, he managed Key’s nationwide consumer investment banking business. Woods is a graduate of Trinity College, where he received a B.A. in economics, and is a native of Wilmington, Massachusetts.

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Joseph C. Giampetroni

Executive Vice President Head of Midwest Region

Joseph C. Giampetroni is Regional Executive for the Midwest and a member of the bank’s Executive Leadership Group, the company’s Senior Leadership Team. He is responsible for the Corporate Banking business in all Midwestern states with professional teams in Chicago, Michigan and Ohio. Giampetroni joined Citizens from U.S. Bank where he was the Division Head for Midwest Corporate Banking. Prior to that, he held Managing Director roles at Wells Fargo Securities and JP Morgan Chase, managing key corporate client relationships in Midwest geographies and across the U.S. Giampetroni is a native of Southeast Michigan and earned a Bachelor’s degree in Finance and Economics from Eastern Michigan University and is an active FINRA licensed registered representative. He is married with two college aged daughters and is active in his community serving on the Board of Trustees for Cristo Rey HS, a Jesuit college prep school serving under-privileged students on the near southwest side of Chicago.