Leadership Team

Senior Management
Board of Directors

Senior Management

Joseph V. Chillura
Director; President and Chief Executive Officer

Mr. Chillura is a life-long Tampa resident with 27 years of banking experience. He is a graduate of the Jesuit High School and received his Bachelors of Science from the University of Florida. He began his banking career with First Union National Bank in 1988 as a member of the bank’s Management and Credit Training Program in Jacksonville, FL. Since then, Mr. Chillura has worked for two other Florida banking institutions and served in the roles of Commercial Banker, Senior Lender, Chief Operating Officer and Regional CEO.

Mr. Chillura joined USAmeriBank in mid-2007 as the Chief Executive Officer and a Director. In 2014, he was also named as the President. Mr. Chillura has served on various boards throughout Tampa Bay over the years. He currently serves on the Jesuit High School’s President’s Cabinet and as a Director on the HMI Industries Board. He and his family volunteer at Metropolitan Ministries and are active members at Christ the King Church. Mr. Chillura is also a member of the Tampa Yacht and Country Club, the Longboat Key Club and Ye Mystic Krewe of Gasparilla.

Mr. Chillura has been married for 25 years and has four children. He and his family enjoy boating and fishing and Mr. Chillura is in his ninth year as a recreational football coach.

Harlan C. Parrish
Executive Vice President, Alabama Retail Banking Director

Mr. Parrish graduated from Auburn University at Montgomery, and is an honors graduate of the Bank Administration Institute (BAI) Graduate School of Retail Banking. His distinguished career in banking includes senior executive roles with Bank United, BB&T, and Colonial Bank. He has overseen management and growth of hundreds of branches on a statewide level for several states, including Florida and Alabama.

He currently serves on the Advisory Board for the Brock School of Business at Samford University and the Board of Directors of the Birmingham Business Alliance. He has served on the board and as past chairman for the Foundation for Lee County Public Schools and on the board and the executive committee of the United Way of Lee, Hendry and Glades Counties. He has also served on the Bank Administration Institute (BAI) Graduate School of Retail Banking Advisory Council, where he assisted in the development of the school’s curriculum, was an Associate Director for the Graduate School of Retail Banking for seven years, and in 2007 was appointed and continues to serve on BAI’s National Board of Directors.

Victoria A. Alderman
Executive Vice President and Chief Loan Administration Officer

With more than 20 years of commercial banking experience in the Tampa Bay area, Ms. Alderman has vast knowledge of bank loan administration functions, including loan documentation, loan operations, regulatory compliance, and denovo bank organization. Through her career she has been responsible for successfully setting up and managing numerous loan administration departments in both community and regional bank environments, including Commonwealth Savings & Loan, Premier Community Bank and Colonial Bank of Pinellas County.

Ronald Ciganek
Senior Vice President — Commercial & Industrial Banking Division

Ron Ciganek holds a Master of Business Administration degree from Oral Roberts University. He began his professional career in the banking industry with Barnett Bank in 1991, joining the Management Associate Program in Ft. Myers, FL. In 1993, he transferred to the Tampa market joining the Commercial Banking team, focused on providing financial solutions to corporate clients. In 1998, he joined AmSouth Bank as a Commercial Relationship Manager in the Tampa market. Mr. Ciganek held progressive positions as Team Leader and ultimately Commercial Banking Executive for Regions Bank, successor by merger to AmSouth, serving as a member of the West Coast of Florida management team which encompassed the Tampa Bay area south to Naples. His team oversaw $770 million in loans and $1.2 billion in deposits, generating over $65 million in annual revenue. In 2010, Ron joined USAmeriBank as Commercial Banking Manager, focused on Commercial and Industrial clients for Hillsborough and Pinellas counties.

Mr. Ciganek has served the community participating in various organizations including the St. Petersburg Chamber of Commerce Board of Governors, All Children’s Hospital Development Council, Junior Achievement, The Greater Tampa Chamber of Commerce, Tampa Bay Partnership, Chi Chi Rodriguez Foundation and St. Paul’s School. He has served on the Board and Executive Committees for United Way of Tampa Bay, where he formerly chaired the Governance Committee; served as Chair of Visit Tampa Bay 2011-2012, which promotes Tampa to conventions and visitors; and served on the Executive Board of the 2012 Tampa Bay Host Committee for the 2012 Republican National Convention. Also, he is a member of Belleair Country Club.

T. Gene Evans
Senior Vice President, FL Retail Banking and Lending Director

Mr. Evans attended East Carolina University. He is a 30 year banking veteran who has spent his career working in Retail Banking, Residential Lending and Commercial Banking.

In 2008, Mr. Evans joined USAmeriBank from Colonial Bank where he had served as the Residential Lending Manager for the Florida West Coast Region and most recently, Market President for Pasco and Pinellas Counties. He also managed Retail and Residential Lending Teams for SunTrust Bank in the Tampa Bay area. Mr. Evans began his banking career with Barnett Bank working as a Consumer Lending Officer, Branch Manager and Market Manager.

Mr. Evans serves on the Boards of Pinellas Partners for Moffitt and CHSI (Community Housing Solutions Inc.)

Christina (Tina) E. Ford
Executive Vice President, Director of Human Resources

Ms. Ford attended the University of South Florida, and started her career with Columbia Bank in 1974, and performed various roles including Executive Vice President, Chief Operating Officer and Chief Financial Officer as well as serving as a Board Member from 1990 until 2000, when the bank was sold to Southern Exchange Bank. From 2000 to 2007, she served as Senior Vice President and Regional Operations Administrator for a 65-branch region of Colonial Bank. Ms. Ford joined USAmeriBank in 2007.

J. Samuel Henderson, III
Senior Vice President, Birmingham Area Executive

Mr. Henderson has over 25 years of banking experience.

A native of Birmingham he has deep commercial banking knowledge.

Joining the bank in June 2014, Mr. Henderson previously worked for Sterne Agee where he was the President of Banking Operations, SVP leading the correspondent banking effort and was President and CEO of The Trust Company of Sterne Agee, Inc. Prior to that he was the Jefferson and Shelby County President for Southern States Bank, and Executive Vice President with Regions Bank, formerly AmSouth Bank. He spent 15 years with Regions in various leadership positions.

Caryn Hughes
Senior Vice President, Montgomery Area Executive, Alabama Credit Risk Manager

Caryn Hughes is Senior Vice President, Montgomery Area Executive, Senior Credit Risk Manager at Aliant Bank, and oversees the bank’s loan approval process, credit underwriting / portfolio management and other Credit Administration type functions.

Joining the bank in 2009, Ms. Hughes has 30 years of banking experience.Ms. Hughes graduated from the University of Alabama in Tuscaloosa with a bachelor’s in finance and the University of Alabama in Birmingham with an accounting equivalency degree. She is also a Certified Public Accountant (CPA).

Ms. Hughes is active in several civic and community organizations. She currently serves on the Montgomery Area Food Bank Board, Montgomery Area Chamber of Commerce Board, the Montgomery Area Committee of 100 and the Board of Controls, the Alabama Multifamily Loan Consortium Board and a member of The Episcopal Church of the Ascension in Montgomery.

Thomas E. Kelley
Executive Vice President and Credit Risk Assurance Manager

Mr. Kelley graduated from the University of South Florida. He has 32 years of large regional and community bank experience. Prior to joining USAmeriBank in 2007, Mr. Kelley spent six years with Colonial Bank in Tampa, FL, where he served as Chief Credit Officer for the Florida West Coast Region and the Central Florida Region. His experience includes Commercial Credit Administration and various lending roles dealing in middle market lending, commercial real estate lending, small business lending, residential lending and consumer lending. Mr. Kelley also served as Chief Credit Officer for Manufacturers Bank of Florida prior to its sale to Colonial Bank in 2001.

Christopher Kneer
Senior Vice President/Business Banking Manager -Tampa Office

Mr. Kneer has over 15 years of banking experience in the Tampa Bay Area. He is a graduate of Creighton University and the prestigious Stonier Graduate School of Banking.

David Ogburn
Senior Vice President, Professional & Executive Banking Division

Mr. Ogburn is the Manager of the Professional & Executive Banking Division of USAmeriBank. He is a 27-year banking veteran whose entire career has been in Commercial Banking in the Tampa Bay market. Upon graduating from college with a Bachelor’s degree in Finance, he began his career in the Management Training Program and spent 15 years in Sales and Relationship Management at First Union/Wachovia Bank. Prior to joining USAmeriBank in 2008, Mr. Ogburn served as the Commercial Banking Manager, as well as Market President, of Colonial Bank in Hillsborough County.

Mr. Ogburn currently serves on the Board of Directors of the CDC of Tampa, Inc. and University Community Ministries, Inc.

Greg Olivier
Executive Vice President, Chief Risk and Credit Officer

Greg Olivier brings more than 28 years of credit and risk management experience to USAmeriBank. He leads the risk management team’s efforts to continually strengthen the bank’s loan portfolio, risk practices and risk infrastructure. Prior to joining USAmeriBank, Greg served as Senior Executive Vice President / Chief Credit and Risk Officer for First Southern Bank, and Executive Vice President / Chief Credit Officer for First Horizon / First Tennessee. Prior to those roles, he worked 17 years for First Union / Wachovia in credit and sales roles in both Florida and North Carolina.

Greg earned a bachelor’s degree cum laude and a master’s of Business Administration in Commercial Banking and Corporate Finance from the University of Georgia. Active in the industry, Greg served on the Board of Directors for the Risk Management Association from 2010-2013.

Kade Peterson
Executive Vice President, Chief Operating Officer

As COO for USAmeriBank, Mr. Peterson is responsible for the bank’s administrative activities and operations, while also integrating advancements in technology and process improvement. He has more than 25 years of experience in the financial industry.

Prior to joining USAmeriBank, Mr. Peterson spent 14 years at Sterling Bank, now Umpqua Bank, in Spokane, Wash. While there, he held various positions, most recently as Executive Vice President, Operations and Technology Executive.

Mr. Peterson attended Weber State University in Ogden, Utah, where he received a bachelor’s degree in finance.

Alfred T. Rogers, Jr.
Executive Vice President and Chief Lending Officer

Mr. Rogers graduated from Vanderbilt University with a Bachelor of Arts in Economics. He began his professional career in the banking industry in 1987 at First Union National Bank where he was hired into the bank’s Corporate Training Program in Charlotte, North Carolina. Upon completion of First Union’s training program, he served as a Commercial Banker in the Tampa, Lakeland and Nashville markets. In 1997, Mr. Rogers, along with Joe Chillura, joined Manufacturers Bank of Florida in Tampa, where he ultimately served as CEO, as well as a member of the Board of Directors. During this time, he was involved in all aspects of expanding the bank’s franchise through internal growth as well as an acquisition. In 2001, when Colonial Bank acquired Manufacturers Bank, Mr. Rogers began serving Colonial in the capacity of President and Senior Lender ultimately managing over $1 billion in loans. He also served as a member of the West Coast Florida Region’s Board of Directors. Mr. Rogers joined USAmeriBank in his current capacity in 2007.

Mr. Rogers previously served on the St. Joseph’s Children’s Hospital Board, and is a volunteer youth coach with the YMCA and Little League. He holds memberships in the Tampa Yacht and Country Club, Palma Ceia Golf and Country Club, Ye Mystic Krewe of Gasparilla, the University Club, and is a member of the Palma Ceia Presbyterian Church.

Mark Spencer
Senior Vice President, Central Alabama Area Executive

Mr. Spencer has a strong background in retail and commercial banking, primarily in the Central Alabama market, with over 26 years of banking experience.

Prior to joining the Bank in 2012, Mr. Spencer worked for Servis1st Bank, where he was responsible for developing and expanding the bank’s local relationships and working to grow the bank’s commercial loan business. His banking career also has included leadership roles at Wachovia where he served as Retail Banking Director over 52 branches, SouthTrust Bank where he was President and CEO of Central Alabama and Colonial Bank where he was the Area Executive of the Montgomery Region.

He serves on the Board of Directors for the Auburn University Museum of Fine Art, the Lake Martin Area United Way, the Lake Martin Area Economic Development Alliance, and the Alexander City Chamber of Commerce. He is a member of Willow Point Country Club in Alexander City, Moore’s Mill Country Club in Auburn and The Club in Birmingham. He has also served in leadership positions for a variety of other community and charitable organizations.

Alicia (Lisa) M. Steinagel
Senior Vice President, Chief Risk Management Officer

Ms. Steinagel graduated from St. Leo University. She has 27 years of banking experience and holds certifications as both a Certified Community Bank Internal Auditor and a Certified Loan Review Professional. She also attended the ABA Graduate School of Compliance Management.

Prior to joining USAmeriBank in 2009, Ms. Steinagel spent six years with First State Bank as the bank’s Senior Audit Manager, where she managed the Audit, Compliance and Loan Review functions of the bank. She is an active member of the Institute of Internal Auditors and the Suncoast Bankers Compliance Association.

Amanda J. Stevens
Executive Vice President and Chief Financial Officer

Ms. Stevens graduated from Michigan State University. She began her professional career in 1998 with the accounting firm Crowe Horwath LLP. Ms. Stevens served in the Financial Institutions practice for over 10 years, working exclusively with community banks, primarily in the audit function.

Until 2008, when she joined USAmeriBank, she consulted with numerous community banks on various accounting and regulatory issues. She holds a Certified Public Accountants license in Florida and Michigan.

Joseph E. Taggart
Senior Vice President, Commercial Real Estate Banking Divisions – Tampa Office

Mr. Taggart has more than 14 years of banking experience in the Tampa Bay area. He is a graduate of the University of Virginia and the LSU Graduate School of Banking. Prior to joining USAmeriBank in 2007, Mr. Taggart spent 6 years as Vice President with Colonial Bank in Tampa, FL. He is a member of Palma Ceia Presbyterian Church, Tampa Yacht and Country Club, Ye Mystic Krewe of Gasparilla and Past Chair of the Chamber of Commerce Fishing Tournament. Mr. Taggart is now Manager of the USAmeriBank Commercial Real Estate Division.

Boards of Directors

Jennifer Steans
Founding Director and Chairman of the Board; CEO, Financial Investments
Corporation

Ms. Steans, Chairman of the Board, was an original organizer of USAmeriBank and has served as a director since the Bank was approved. From 1989 through 1993, Ms. Steans served as a Senior Consultant and Manager for Deloitte & Touche. Ms. Steans then served as Treasurer of Prime Graphics, Inc., from 1993 until founding Financial Investments Corporation (“FIC”) in 1994. As President of FIC she oversees private equity investments and the Steans family office operations. Since inception, FIC has invested equity in over 200 transactions totaling over $1 Billion. In 2000, Ms. Steans joined the Board of Directors of PCB Bancorp, Inc. Upon its sale to Colonial BancGroup, Inc. in 2004, PCB Bancorp, Inc. had grown to a four-bank holding company with approximately $675 million in assets. Ms. Steans’ other business affiliations include service as a Director of Chicago Deferred Exchange Corp., MCS Holdings, LLC, Provest Holdings, LLC, and MB Financial. In addition, she serves as an Advisory Board Member of Carlyle Asia Growth Partners III, Resource Land Fund III, LP, Laramar Multi-Family Value Fund, and Siena Capital Partners. Provest Holdings LLC is based in Tampa, FL.

Ms. Steans also actively helps lead a number of nonprofit entities, including current service as Board member of Steans Family Foundation, Chicago Foundation for Women, YWCA of Evanston/North Shore, The Ravinia Festival, RUSH University Medical Center, and past Board Chair of Leadership Greater Chicago. Ms. Steans holds a B.S. degree in mathematics from Davidson College and a M.M. from the J. L. Kellogg Graduate School of Business at Northwestern University and is a member of the Commercial Club of Chicago.

John Russell Thomas
Director and Vice Chairman of the Board

Mr. Thomas currently serves on the Business Council of Alabama and the University of Alabama Health Services Foundation. He is the chairman for the 1831 Foundation of the University of Alabama. He has served on the Board of Visitors for the College of Commerce and Business Administration, the President’s Cabinet at the University of Alabama, and the UAB President’s Council. He also served on the Board of Directors for Russell Corporation.

Mr. Thomas recently retired from the board of trustees for both The University of Alabama and Alfa Corporation. He is past chairman of the Alexander City Board of Education. He is also a past president of the Alexander City Chamber of Commerce and the Alabama Bankers Association. He was a member of Leadership Alabama class of 1994. In 2009, Mr. Thomas was inducted into the Alabama Business Hall of Fame.

Joseph V. Chillura
Director; President and Chief Executive Officer

Mr. Chillura is a life-long Tampa resident with 27 years of banking experience. He is a graduate of the Jesuit High School and received his Bachelors of Science from the University of Florida. He began his banking career with First Union National Bank in 1988 as a member of the bank’s Management and Credit Training Program in Jacksonville, FL. Since then, Mr. Chillura has worked for two other Florida banking institutions and served in the roles of Commercial Banker, Senior Lender, Chief Operating Officer and Regional CEO.

Mr. Chillura joined USAmeriBank in mid-2007 as the Chief Executive Officer and a Director. In 2014, he was also named as the President. Mr. Chillura has served on various boards throughout Tampa Bay over the years. He currently serves on the Jesuit High School’s President’s Cabinet and as a Director on the HMI Industries Board. He and his family volunteer at Metropolitan Ministries and are active members at Christ the King Church. Mr. Chillura is also a member of the Tampa Yacht and Country Club, the Longboat Key Club and Ye Mystic Krewe of Gasparilla.

Mr. Chillura has been married for 25 years and has four children. He and his family enjoy boating and fishing and Mr. Chillura is in his ninth year as a recreational football coach.

Thomas (Brad) B. McMurtrey III
Managing Director

Mr. McMurtrey graduated from Florida State University. He was an original organizer of USAmeriBank and has served as a Director since the Bank was approved. He has 34 years of banking experience in Pinellas County.

He began his career with Barnett Bank in 1981, completing both management and credit training programs. In 1986, he joined First National Bank of Clearwater as a commercial loan officer and was subsequently promoted to Vice President, managing residential and commercial real estate divisions for the bank until its sale to AmSouth in 1992. In 1995, he joined Premier Community Bank of Florida as a Senior Loan Officer. He was promoted to President in 2003 and was actively involved in Asset Quality and Liability Review (ALCO) and other risk management and financial functions, until the bank was sold to Colonial BancGroup Inc. in 2004. As an Executive Vice President and a Senior Lender with Colonial Bank, Mr. McMurtrey managed the commercial lending function for the Pinellas County market.

Mr. McMurtrey currently serves on the Board of the Community Bankers Council of the American Bankers Association, as well as on the Board of the Florida Bankers Association. He has served Pinellas County in various positions with the local Chamber of Commerce, Rotary Club, and as a mentor and a tutor for children in the local public school system. Mr. McMurtrey previously served as the Board President of Big Brothers Big Sisters for Pinellas, Hernando, and Citrus Counties.

James T. Ayers
Founding Director; President, Ayers, Saclarides & Company

Mr. Ayers graduated from the University of South Florida in 1968. He has significant experience with community banks, serving both as a director and shareholder. Mr. Ayers was an organizing director, chairman of the audit committee and member of the loan committee for Premier Community Bank of Florida in Largo, Florida from 1984 to 2004. He was organizing director, corporate secretary and chairman of the audit committee for PCB Bancorp in Largo, FL from 1989 to 2004. From 2004 until 2006 he was a member of the West Coast North Advisory Board for Colonial Bank in Tampa, FL. Mr. Ayers founded the CPA firm Ayers, Saclarides & Company in Clearwater, FL, in 1983 and currently serves as President and Managing Director.

Mr. Ayers has served as Chairman of the Board of Trustees of Largo Medical Center and Suncoast Hospital. He has also served as Chairman of the Largo Chamber of Commerce, as President of the National Alumni Association of the University of South Florida, and the Clearwater Beach Rotary Club.

George P. Bauer
Founding Director; Owner, GPBGroup

Mr. Bauer graduated from Washington University with a B.S. in Engineering and received his Masters in Engineering from Washington University in 1957. He was an organizer of USAmeriBank and has served as a director since the Bank was approved. Mr. Bauer has significant experience with community banks, serving as both a director and shareholder.

Most recently, Mr. Bauer was a director and shareholder of PCB Bancorp, Inc. located in Largo, FL from 1996 through 2004. Mr. Bauer helped found and is a current owner of G.P.B Group, Ltd., a Connecticut-based investment banking firm.

Michael Benstock
Founding Director; CEO, Superior Uniform Group, Inc.

Mr. Benstock attended Lehigh University, Tel Aviv University and served with distinction in the Israeli Defense Forces. He has spent more than 30 years in Seminole, FL employed by Superior Uniform Group, a global apparel design, manufacturing and distribution company, where he was appointed Chief Executive Officer in 2003. He is also an active Director of The Office Gurus, a near shore call/contact center business located in Central America.

Mr. Benstock has served in many charitable capacities within Pinellas County and the West Coast of Florida. He has served on the Board at The Pinellas County Jewish Day School and multiple times on the Executive Board at Congregation B’nai Israel in St. Petersburg. He was also the West Coast Campaign Chairman of the Israel Development Corporation (Israel Bonds). He is a founding Board Member of Camp Ramah Darom in Clayton, GA, the conservative Jewish movement’s first summer camp experience in the south. In addition, he has served for over 20 years as an Editorial Board Member of Apparel Magazine and its predecessor magazine, Bobbin Magazine.

John P. Connelly
Founding Director, CEO, HUB International, Florida

Mr. Connelly graduated from the University of South Florida in 1977. He was an organizer of USAmeriBank and has served as a director of the bank since it was approved. He has been a resident of Pinellas County since 1968. Mr. Connelly has started four businesses in the bay area. He founded Connelly Insurance Group in 1982, which was sold to Brown & Brown (BRO) in 2001. He co-founded both Labor For Hire and Dynamic Solutions Group. These companies provide temporary staffing and information technology solutions to commercial businesses. In 2007 Mr. Connelly formed an insurance agency in partnership with USAmeriBank. This agency, CCF&N, was sold to HUB International in 2013. HUB International has continued its partnership with USAmeriBank in providing insurance and risk management solutions to bank customers. John works in the Mergers and Acquisitions field for HUB throughout the U.S. and Canada.

Mr. Connelly currently serves on the Board of Directors for House of Prayer, University of South Florida, St. Petersburg and the YMCA of the Suncoast. He is a past graduate of Leadership Pinellas and past President of both the Florida Gulf Coast Museum of Art and Belleair Country Club. John is married with three children.

Robert C. George
Founding Director; Retired Banker

Mr. George graduated from the School of Banking of the South at Louisiana State University in 1971. His 40-year career in banking took place in the Pinellas County market. In 1991, he joined Indian Rocks State Bank as Executive Vice President and was promoted to President & CEO in 1994. He was also elected to serve on the Board of Directors. In 1997, Indian Rocks State Bank was sold to F.N.B. Corporation, of Hermitage, PA. The bank changed the name to Indian Rocks National Bank and then to First National Bank of Florida. Mr. George continued to serve as President & CEO until 1998, when F.N.B. Corporation purchased and consolidated Bank of Seminole, of Seminole, FL and Citizens Bank and Trust Company, of Clearwater, FL. He then served as Chairman of the Board of Directors. In 2001, all Florida banks owned by F.N.B. Corporation were consolidated into First National Bank of Florida, of Naples, FL, and Mr. George was appointed as Area President & CEO of Pinellas County. He served in that capacity until his retirement in 2004.

In retirement, Mr. George has continued to be active in the community. He served on the Board of Trustees of Sun Coast Hospital and Sun Coast Health Systems. Also, he served on the investment committee for Upper Pinellas Association for Retarded Citizens and the finance committee for Oakhurst United Methodist Church.

Richard E. Hanan
Director; Real Estate Investor

Mr. Hanan, an original founder of Aliant Bank (then First Montgomery Bank), recently retired as Secretary-Treasurer of Loeb & Hanan, Inc., one of Montgomery’s most established homebuilding companies.

He served as Commissioner with the Alabama Department of Mental Health and Mental Retardation under former Governor Jim Folsom, Jr. Among many community accomplishments, he played a key role in starting the citywide recycling program in Montgomery. Mr. Hanan serves in leadership roles for a number of community and statewide organizations, including as Chairman of the Water Works & Sewer Board for City of Montgomery, President of the Alabama Water & Sewer Institute, Chairman of the Board for Montgomery Association of Retarded Citizens (MARC, Inc.), President of H.E.L.P. (Handicapped Environmental Living Program), and President of the Special Olympics of Alabama.

His other current board memberships include the Montgomery Housing Authority, The Hope Project, AUM Advisory Board, Montgomery Chamber of Commerce and its Committee of 100. His many previous involvements encompass everything from education and health care to philanthropy and governmental appointments. Mr. Hanan has received such awards as the Mankind Award, the Lotus Award, umanitarian of the Year, and the Governor’s Award for Outstanding Volunteer Community Service in Education.

Mark S. Klein
Founding Director; President, Klein and Heuchan, Inc.

Mr. Klein graduated from Fairleigh Dickinson University in Rutherford, NJ. He was an organizer of USAmeriBank and has served as a director since the Bank was approved. He has been a resident of Clearwater, FL since 1967. From 1974 to 1980, Mr. Klein worked in the commercial brokerage department of Rodgers and Cummings, eventually managing a branch office until the company was acquired by Merrill Lynch in 1980. In 1982 Mr. Klein started his own company, Klein and Heuchan, Inc. which focuses on the brokerage and management of commercial investment properties. Mr. Klein served on the advisory board of First National Bank of Clearwater in 1984 before it was acquired by AmSouth Bank. In 1997, Mr. Klein became a director of Premier Community Bank of Florida and later was elected as a director of PCB Bancorp, Inc. As a director of Premier Community Bank, Mr. Klein served as chairman of the Loan Committee and sat on the Audit Committee. He remained on the Board through PCB Bancorp, Inc.’s acquisition by Colonial BancGroup, Inc. and then served on Colonial Bank’s Regional Advisory Board and Loan Committee.

Mr. Klein was a founding director of the Florida Gulf Coast Association of Commercial Realtors and is a past president and was a director of the Clearwater Association of Realtors. He has also been a director of the Mease Hospital Board of Trustees, The Morton Plant Mease Hospital Foundation, the Jewish Federation of Pinellas County, and Temple B’nai Israel.

Jerry C. Kyser
Director; CEO, Jerry Kyser Builder, Inc.

Mr. Kyser is CEO of Jerry Kyser Builder, Inc., a business he started more than fifty years ago, and now is a branch of The Kyser Companies, a collection of family-owned businesses presently involved in the construction and development of apartments, light industrial buildings, strip shopping centers, office and medical buildings, restaurants, land development and property management. His company is also involved in residential and commercial furniture sales.

Mr. Kyser served as chairman of the Montgomery Area Chamber of Commerce, chairman of the Montgomery Committee of 100, is a Life Director with the National Association of Home Builders, was a president of the Capitol City Kiwanis Club, president of the President’s Council of Montgomery, and has served in various leadership roles with a multitude professional builder associations. Presently serving as board member of the Montgomery Airport Authority and Industrial Development Board. Past board memberships include: Alabama Kidney Foundation, Montgomery Housing Authority, Montgomery Area Council on Aging and Voluntary Action Center.

M. Barnett Lawley
Director; President, Lawley Resource Management

Barnett Lawley is a resident of Pell City, Alabama and graduated from Auburn University. He is a retired Petroleum Jobber after 32 years. During that time, Mr. Lawley was selected Oilman of the Year three (3) times. In 2013 he was chosen for the inaugural induction to the Alabama Petroleum and Convenience Marketers Hall of Fame.

Over the years Mr. Lawley was involved in many conservation activities for the state and local community. He was Co- founder of St. Clair County chapters of Ducks Unlimited and National Wild Turkey Federation. He served as a Board member and Vice President of Alabama Wildlife Federation. He also served as Commissioner of Conservation and Natural Resources from 2003-2011 under Gov. Bob Riley, and is the longest tenured Commissioner in the history of the department. In 2010, Mr. Lawley was selected as Alabama Wildlife Conservation’s Conservationist of the year, and on January 16, 2011 he was appointed to serve on the Alabama Oil and Gas Board and has continued to do so.

Mr. Lawley has served his community in different capacities which includes Pell City Councilman; St. Clair Airport Authority; and Pell City Retail Development Board. He has held served in various positions with The Chamber of Commerce and Lions Club. He served as Chairman of Pell City Industrial Development Board for 12 years and currently serves on the St. Clair County Economic Development Board.

Most recently, Mr. Lawley received an award from the Alabama Blackbelt initiative for being a founding father and “dedicated to ideals of promoting the natural resources for economic benefit of the region”.

Mr. Lawley lives on Logan Martin Lake with his wife of 48 years, Deanna Nolen Lawley.

Larry C. Morgan
Director; CEO, Morgan Auto Group

Mr. Morgan graduated from the University of Missouri with a B.S. in Business Administration and Economics. In 1991, Mr. Morgan acquired a retail tire business located in Clearwater, FL, which he grew from 33 to 600 stores under the Tires Plus name  which generated $1 billion in annual sales. In 2000, Mr. Morgan sold the company to Bridgestone. In 2001, the tire industry recognized Larry Morgan and named him “Tire Dealer of the Year”. In 2008, he was inducted into the Tire Industry Association’s Hall of Fame. He also served as Chairman of The Tire Industry Association. In 2004, he was recognized regionally by being inducted into the Tampa Bay Business Hall of Fame. Mr. Morgan and his son, Brett Morgan, now own and operate thirteen automobile dealerships under Morgan Auto Group. Their dealerships include Toyota of Tampa Bay, BMW of Sarasota, Lamborghini Sarasota, Brandon Honda, Ford of Port Richey, Volkswagen of Gainesville, Honda of Ocala, Mitsubishi of Gainesville, Gainesville Buick GMC, Honda of Gainesville, Mitsubishi of Port Richey, Mini of Wesley Chapel and Scion of Tampa Bay. In 2008, Time magazine named Larry as The Time Dealer of The Year for his contributions to the community. In 2009, Tampa Bay CEO Magazine named Larry CEO of the Year in Retail Services and one of the Top 100 Most Influential Business Leaders in Tampa Bay. Mr. Morgan’s non-automotive businesses include: a multi-use office and warehouse park known as ComPark 75 located in Wesley Chapel Florida, Highway Safety Devices a specialty highway contractor; Creative Sign Designs the state’s largest sign company; and a speech, occupational and physical therapy company named Integrity Therapy Solutions. The Morgan businesses are known as Morgan Family Ventures.

Mr. Morgan is Past Chairman of the Board of Directors of Morton Plant Mease Health Care, Past Chairman of the Board of Directors of Bay Care Health Systems, Inc., Chairman of the Valspar Championship PGA Golf Tournament; Past Chairman of The Florida Automobile Dealers Association and member of the Board of Directors of the Florida Council on Economic Education. Mr. Morgan and his family also made a gift of $5 million to Morton Plant Hospital to build the Morgan Heart Hospital and a majority of the funds to build a new church for the Grace Fellowship congregation

Daniel L. Moultrie
Director; President, Summerfield LLC

Mr. Moultrie graduated from Auburn University with a degree in Business Administration. He is the founder of Moultrie Feeders and Cameras, an international provider of wildlife management products, the No. 1 seller in its industry, and the preferred choice by at least one former U.S. President.

Mr. Moultrie is Chairman of the State of Alabama Conservation and Natural Resources Advisory Board and has served as such since 2003. The Alabama Conservation and Natural Resources Foundation currently funds the largest wildlife and forestry scholarship at Auburn University and it is named the Dan Moultrie Scholarship.

Mr. Moultrie garnered some of his business acumen through such past roles as Internal Auditor, Benefits Analyst, and Stock Representative. His other current involvements include Summerfield Plantation, a world-class and award-winning full-working farm; and Summer Oaks, highly specialized producer of Summerfield Peanut Oil and a leading national supplier in retail and institutional distribution.

John E. Oliva
Director; President & CEO, Oliva Tobacco Company

Mr. Oliva graduated from University of Florida with a degree in Engineering. He is a Tampa resident and President and CEO of Oliva Tobacco Company, a grower and supplier of cigar tobacco from Central America, South America, the Caribbean, Connecticut, and Indonesia. Prior to joining Oliva Tobacco Company, he served as Sectional Vice President for Computer Complex, Inc., a computer timesharing company from Houston, Texas, primarily servicing the Oil and Aerospace industry. He served on the Board of Directors of JRCIGARS, Inc., one of the largest cigar mail order companies in the world, from the time it went public until it was reacquired by the original owners. Mr. Oliva served on the Board of Directors of the Independent Bank until its acquisition by The Bank of Tampa and also served as Financial and Management consultant to Cox Wholesale Seafood.

Mr. Oliva holds memberships in The Jesuit Alumni Association, The University of Florida Alumni Association, The University of Florida Lettermen’s Club, The Tampa Chamber of Commerce, The Ybor City Chamber of Commerce, Exchange Club of Tampa, Palma Ceia Golf and Country Club, The Cuban Club, The Centro Asturiano, The Italian Club, The Knights of Columbus and is a member of St. Patrick’s Catholic Church.

Harlan C. Parrish
Executive Vice President, Alabama Retail Banking Director

Mr. Parrish graduated from Auburn University at Montgomery, and is an honors graduate of the Bank Administration Institute (BAI) Graduate School of Retail Banking. His distinguished career in banking includes senior executive roles with Bank United, BB&T, and Colonial Bank. He has overseen management and growth of hundreds of branches on a statewide level for several states, including Florida and Alabama.

He currently serves on the Advisory Board for the Brock School of Business at Samford University and the Board of Directors of the Birmingham Business Alliance. He has served on the board and as past chairman for the Foundation for Lee County Public Schools and on the board and the executive committee of the United Way of Lee, Hendry and Glades Counties. He has also served on the Bank Administration Institute (BAI) Graduate School of Retail Banking Advisory Council, where he assisted in the development of the school’s curriculum, was an Associate Director for the Graduate School of Retail Banking for seven years, and in 2007 was appointed and continues to serve on BAI’s National Board of Directors.

Andy Joe Scaglione
Director; Commercial Real Estate Investor

Mr. Scaglione is a Tampa Bay real estate investor. A third- generation Floridian, Mr.Scaglione was born and raised in Tampa. Mr. Scaglione currently serves as Vice-Chairman and Director on the Tampa Sports Authority Board, previously serving as Chairman in 2009-2010.

Local memberships include West Tampa Chamber of Commerce, Florida Gulfcoast Commercial Association of Realtors, and Mr. Scaglione currently serves as President-Elect of the Greater Tampa Association of Realtors, with membership exceeding 7000. Mr. Scaglione previously served as Chairman of the City of Tampa Channelside District Community Redevelopment Agency.

Dawn Siler-Nixon
Director; Partner, FordHarrison, LLP

Dawn Siler-Nixon, Diversity & Inclusion Partner at the Tampa office of national labor employment law firm FordHarrison LLP, has spent two decades partnering with her clients to help guide and direct their employment decisions to avoid the time and expense of litigation, and creating and executing a strategy to defend them through trial should the need arise. Siler-Nixon’s practice focuses on discrimination and harassment litigation at state and federal levels, handling trials related to such employment issues, including wage and hour violations, medical leave issues, disabilities, sexual harassment race and gender discrimination and retaliation. She also counsels and trains employees on diversity and issues in the workplace.

In 2002 Siler-Nixon became FordHarrison’s first African American Female Partner. Siler-Nixon helped develop and has led the Firm’s Diversity Strategic Plan since 2005. She is a member of FordHarrison’s Million Dollar Club and its Executive Committee. Siler-Nixon speaks on numerous employment and diversity topics throughout the country to clients and organizations.

In addition to the USAmeriBank board, Siler-Nixon is involved in such organizations as: Minority Corporate Counsel Association, Black Women Attorneys Network, Corporate Counsel Women of Color, National Conference of Women’s Bar Associations, National Association of African Americans in Human Resources, Women’s Chamber of Commerce, the Devine Keys and Seminole Heights Baptist Church (“SHBC”). She also leads the American Bar Association’s AIDS committee. Siler-Nixon earned her undergraduate and law degrees from the University of North Carolina at Chapel Hill.

Dawn lives in Tampa with her Husband Claude and two girls, Cameron and Connore. They are very active in Seminole Heights Baptist Church. Dawn is mission-minded, traveling to Haiti on a mission trip, and supporting SHBC’s Cooks Hat (food pantry) and Mission Smiles (dental clinic).

Harrison I. Steans
Founding Director; Chairman, Executive Committee of Financial Investments Corporation

Mr. Steans was an organizer of USAmeriBank and has served as a director since the Bank was approved. He is the Chairman of the Executive Committee of Financial Investments Corporation (“FIC”) and Chairman of the Steans Family Foundation. FIC was formed in 1994 to serve as the Steans family office. From 1967 through 1988, Mr. Steans was Chairman of NBD Illinois, Inc. and its predecessor institutions. During his tenure, the organization grew from a single $40 million bank to a six-bank holding company with assets exceeding $1.8 billion. In 1987, the bank holding company was sold to NBD Corporation, which is now part of the J.P. Morgan Chase organization. From 1973 through 1978, Mr. Steans was also Chairman of LaSalle National Bank in Chicago, Illinois, which is now part of Bank of America. In 1994, a group led by Mr. Steans acquired a controlling interest in PCB Bancorp Inc., the parent bank holding company of Premier Community Bank of Florida (f/k/a Pinellas Community Bank). Mr. Steans served as Chairman of the Board of PCB Bancorp, Inc., which grew from a single-bank holding company with $64 million in assets to a four-bank holding company with approximately $675 million in assets. In 2004, PCB Bancorp Inc. and its subsidiary banks were sold to Colonial BancGroup, Inc. Throughout his career, Mr. Steans has taken a leadership role in a variety of nonprofit organizations, with a particular focus on helping under-privileged communities. Some of Mr. Steans’ nonprofit affiliations include serving as Life Trustee at DePaul University, past President and Life Trustee of Ravinia Festival, Life Trustee of Highland Park Hospital, Trustee of the Chicago Humanities Festival, and Trustee for The Ounce of Prevention Fund. Mr. Steans graduated cum laude from Princeton University with a B.A. degree in economics.

William I. Sultenfuss II
Director; President, WISCO Holdings Inc.

Mr. Sultenfuss graduated from the University of Tampa. He is the founder of WISCO Holdings, Inc., a firm which purchases, repositions, and develops multi-family housing in Tampa, St. Petersburg, Clearwater, Largo and Temple Terrace, FL. Mr. Sultenfuss began his real estate career in 1986 in property appraisal. Mr. Sultenfuss served on the advisory board of Florida Capital Bank in 2006.

Mr. Sultenfuss has been on the Board of Directors of the Children Cancer Center – Tampa for the past four (4) years and currently holds the position of Treasurer. He is a member of Tampa Yacht and Country Club, Palma Ceia Golf and Country Club, Ye Mystic Krewe of Gasparilla, and St. Andrew’s Episcopal Church.

William B. Tiller
Director; President, Southeast Dairy Processors Inc.

Mr. Tiller serves as President of Southeast Dairy Processors, Inc., a manufacturer of Grade A dairy products that are distributed throughout the Southeast United States. In addition, Mr. Tiller has been employed by Tiller Foods, Inc., since 1975. Tiller Foods was established in 1938 and is a manufacturer and distributor of food products. He also serves on the Board of Directors of InstantWhip Foods, Inc. of Columbus, Ohio, a position he has held since 1977, and the Florida Dairy Products Association, which represents dairy processors throughout the State of Florida, a position he has held since 1988. Mr. Tiller served on the Board of Directors of Plant State Bank from 1991-1995 until its acquisition by SouthTrust Bank.

Mr. Tiller is a member of Avila Country Club.

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