PAYMENTSFIRST - Key Persons

Job Titles:

• Director Marketing Strategy & Communications

Job Titles:

• Head of Embedded Finance and Sales Engineering for Commercial Digital
• Head of Wholesale Payments Product for Truist Financial
• Wholesale Payments / Head of Product

Chris Noe is the head of Wholesale Payments Product for Truist Financial and joined the company in March 2023. As head of product, Chris is responsible for driving innovation and enabling client success through successful product management and development of our Treasury, Liquidity, Merchant and Commercial Card businesses. Chris has more than 25 years of product management and design experience with a focus on client experience, fostering innovation and driving execution. Chris joined Truist from Wells Fargo where he most recently served as head of embedded finance and sales engineering for Commercial Digital. In this role and others, Chris was focused on leveraging new technology and strategic relationships with market-leading fintechs to help create best-in-class digital experiences for cash management. Prior to joining Wells Fargo, Chris and was previously Application Manager at Wachovia Bank. Prior to that, he was a Systems Engineer/Analyst at First Union National Bank. Chris has a Bachelor's degree in Management Information Systems from the University of North Carolina at Wilmington

David L. Peterson is an eBanking pioneer, who is well known for his 30 years as an entrepreneur and content expert on payments for financial services stakeholders. A dynamic and engaging presenter, David has performed thousands of presentations and led dozens of strategic planning sessions and workshops for both financial institutions and FI service providers. He has been a featured keynote speaker for numerous associations, banking schools, and industry trade groups, including ABA, NACHA, BAI, and GSBC as well as numerous state and regional associations across the country. As a seasoned entrepreneur and thought leader, he is frequently published in regional and national publications on a wide range of electronic banking, payments innovation and strategic thinking topics. David serves as Chief Innovation Officer for First National Banker's Bank of Baton Rouge, LA. David was formerly President of CheckAlt, a leading provider of Integrated Receivables as well as Chief Strategic Officer of i7strategies, an independent strategic planning and consulting firm providing financial services and electronic payment initiatives. He was also the original founder of Goldleaf Technologies, a leading provider of electronic payments software, correspondent banking and online banking services to independent financial institutions, where he was instrumental in establishing electronic banking and payment systems for commercial banks both in the U.S. as well as throughout Latin America and the Caribbean. David also previously served as Executive Vice President for Q2, a virtual branch software provider where he focused on enterprise-wide strategic initiatives, product direction and executive consulting. He remains active in U.S. payment virtual banking initiatives, serving as Vice Chairman of PaymentsFirst, a regional payment association based in Atlanta, Georgia that serves over 730 members; ArgosRisk, a systemic risk tracking service provider, based in Minneapolis, Minnesota; Citizens Community Bank of Valdosta, GA; and Softgiving, an Atlanta startup that is bringing new payment options to Donor Dependent Organizations. Peterson's passion is to assist individuals and businesses to think more creatively to spur innovation and enable good decision-making. In April 2016, Peterson authored Grounded, a management/leadership book that is focused on making good decisions in a crisis. When not traveling the world speaking, he spends his off hours, thinking, in Sugar Land, TX …

Job Titles:

• ORNL Federal Credit Union 's EVP & Chief Operating Officer

Dawn Brummett is ORNL Federal Credit Union's EVP & Chief Operating Officer. Dawn is responsible for the call center and all loan and deposit operations, including alignment of the core banking system with payment services and integrated mobile and online banking platforms. Dawn leads ORNL FCU's efforts to not only meet member expectations for digital technology and member service, but to far exceed them. In this role, she spearheaded ORNL FCU's digital and mobility strategy and initiatives to achieve set business goals. Since her career began at ORNL FCU in 1992, Dawn has served in several senior management positions, including Vice President of Retail Lending and Operations and Vice President of Member Services. Previous to these roles, Dawn was the Sales Manager who championed ORNL FCU's Sales and Service Culture and Program implementation and administration. Dawn holds a Bachelor of Science degree in Business and Organizational Management from Tusculum College and a Masters in Business Administration from Lincoln Memorial University.

Job Titles:

• Wilson Bank & Trust

Glen has over 40 years of Bank Operations management experience which includes Check Operations, Vault Operations, ATM Operations, Treasury Management and currently managing the Electronic Operations Department for Wilson Bank and Trust in Lebanon, TN. Glen has worked for 6 different financial institutions including the Federal Reserve Bank over his 40 years in banking in multiple states. Glen has also served on the TACHA board for 15+ years with the most recent of those as the President of the Board from 2004 till the merger with PaymentsFirst. Glen now serves on the PaymentsFirst Board on the Executive Committee as the Secretary. While Glen is career focused he does love to travel with wife, Kelly (37 years). Glen has 2 great children (Sara and Seth) a wonderful daughter in law (Kayla) and son in law (Stephen). He also has two of the cutest granddaughters (Millie and Larkin). His hobbies include traveling, photography, treasure hunting at yard sales, fishing at their place on Lake Guntersville in Alabama. Glen is an avid TN Titans fan and has had season tickets since they came to Tennessee in 1999. GO TITANS!!!

Job Titles:

• Director Education

Job Titles:

• Director Risk & Compliance

Job Titles:

• President / CEO, Lineage Bank
• President and CEO of Lineage Bank

With more than 20 years of banking experience, Kevin Herrington serves as President and CEO of Lineage Bank. He thoroughly enjoys the personal connections made possible by community banking as they allow him to develop close relationships with his customers and the opportunity to give back to the communities he serves. He is a graduate of Belmont University in Nashville, Tennessee, and he currently serves on the board of the Bridges Domestic Violence Shelter and the PaymentsFirst Payments Association.

Job Titles:

• Vice President of Computer Operations at Palmetto State Bank

Mark currently serves as Vice President of Computer Operations at Palmetto State Bank in Hampton, SC. The position supports and maintains all bank IT platforms and related activities including electronic banking. Mark has been with Palmetto State Bank for 30 years in various capacities serving as ACH supervisor, debit card program originator, credit card platform manager, and merchant services coordinator. He is active in SC Bankers Association serving on several committees.

Over the past twelve years, Olivia Maciel has successfully built her career in the payments industry. She recently joined Regions Treasury Management as the Senior Product Manager for Payments Products within Treasury Management, where she oversees the ACH, Wire, RTP, ISO 20022, Emerging Payments and FedNow solutions. In her role, she is responsible for with a Master's degree from Wake Forest University. Additionally, Maciel has received both the

Job Titles:

• Delta Community in 2002 As Vice President of Real Estate Services

Pam Davis has more than 30 years of experience in the financial services industry within the areas of branch and call center operations; consumer, residential and commercial lending; along with card and payments management. As Senior Vice President of Branch Delivery and Operations, Pam is responsible for the strategic management and daily oversight of Delta Community's Branch Delivery, Call Center and Card and Payment Services. Pam joined Delta Community in 2002 as Vice President of Real Estate Services and previously served as Deputy Chief Lending Officer and Vice President of Retail Lending. Prior to joining Delta Community, she held roles at several banking and credit institutions, including Georgia's Own Credit Union and Peninsula Credit Union. Pam holds a bachelor's degree in Business Administration from the University of Alabama and a Master of Business Administration from Clayton State University. Pam and her husband, Paul, live in Marietta, Georgia.

Job Titles:

• Executive Vice President With Millennium Bank in Ooltewah

Paul D Ragland is an Executive Vice President with Millennium Bank in Ooltewah, TN. His 26 year career in banking and IT began at First City Bank in Murfreesboro, TN, where he headed the ATM department and successfully assisted the bank's migration from an outsourced to in-house data processing solution with Fi-Serv. Following his tenure at First City Bank, he spent 4 years with BankPak, Inc. in McMinnville, TN where he served as Service Manager for banking equipment. For the last 15 years, Paul has worked with Millennium Bank, beginning as the Data Processing Manager and moving up to IT and Operations Manager. Paul has worked with the Jack Henry system for 17 years, and developed and conducted in-house training programs on Jack Henry systems, disaster recovery preparedness, AS400 security, ACH and remote deposit capture, and check processing. He has attended various seminars and banking schools over the years, including Auditing for Community Banks, AS400 Operations and Security, TACHA seminars, Federal Reserve Bank training, Financial Managers Society seminars, and most recently SANS Security Essentials training in preparation to sit for the GSEC certification. He is a member of the Financial Security Association and the Jack Henry Smoky Mountain Users Group. He also served on the TACHA Board of Directors in 2014.

Job Titles:

• Chief Executive Officer
• President

Job Titles:

• President & CEO of South Carolina Federal Credit Union
• Vice Chairman of Vizo Financial Corporate Credit Union

Scott Woods - President & CEO of South Carolina Federal Credit Union (SCFCU), located in Charleston, SC, since 2004. Prior to accepting this role, he served as Chief Financial Officer of SCFCU, Chief Financial Officer of SRP Federal Credit Union, Chief Financial Officer of S.C. Telco Federal Credit Union and as a Senior Financial Institution Auditor with KPMG Peat Marwick, CPAs. Woods received his Bachelor of Science degree from the College of Charleston and his MBA in Finance from Auburn University. Woods is also a graduate of the Southeast Regional Credit Union Management School, the Credit Union National Association Financial Management School and holds both Certified Public Accountant and Certified Internal Auditor certificates. Woods currently serves as the vice chairman of Vizo Financial Corporate Credit Union as well as on the boards of the Credit Union National Association, the Charleston Metro Chamber of Commerce, PaymentsFirst, Inc. and South Carolina Financial Solutions. Woods also serves on the Governmental Affairs Committee of the Carolinas Credit Union League and on the board of trustees for Charleston Southern University. He is a member of the Management Association of Carolinas Credit Unions, American Institute of Certified Public Accountants, South Carolina Associations of Certified Public Accountants and the Institute of Internal Auditors. Woods has previously served as chairman of the board for the South Carolina Credit Union League, chairman of the board of Palmetto Cooperative Services, LLC and on the Executive Committees of the Carolinas CFO Council and the Carolina Lowcountry Red Cross. Woods has also served on the Community Investment Council of the Federal Reserve Bank of Richmond, the Governmental Affairs Committee of the Credit Union National Association.

Job Titles:

• Director Operations & Member Support

Job Titles:

• CFE
• Senior Vice President and Chief Financial Officer for Spero Financial FCU

Toni Davisson is the Senior Vice President and Chief Financial Officer for Spero Financial FCU in Greenville, South Carolina with almost 40 years of financial operations experience, responsible for all areas of financial reporting, budgeting, accounting, profitability accounting, investing, asset liability management and risk management. Toni has been responsible for information technology for the Credit Union, which includes a successful data processing conversion to an in-house system, led three successful credit union mergers, completed several successful credit card conversions, as well as management of the direct processing of credit and debit card programs, ACH, checking accounts, internet banking, mobile banking, remote deposit capture, and individual retirement accounts.