CHARLIE R. CAMERON
Charlie Cameron serves as Chief Executive Officer at NBA, Inc. He is a Certified Public Accountant with a combined twenty years “Big 4” public accounting and industry experience, including twelve years of experience with a multi-bank holding company. Mr. Cameron joined NBA, Inc. in August 1999.

Until joining NBA, Inc., Mr. Cameron was with Magna Group, Inc./Union Planters Corporation, both as an officer and consultant from 1988 to 1999. During this tenure he was primarily responsible for the supervision of staff and the direction of corporate tax functions, including return preparation, managing tax audits, and researching and planning tax strategies. At Magna, he was credited for the creation and implementation of numerous tax strategies resulting in substantial increases to Company earnings. He was also involved in accounting and planning for mergers and acquisitions.

In addition to his management duties at NBA, Inc., his responsibilities include serving clients in the areas of tax, strategic planning, mergers and acquisitions, executive searches, and administrative action assistance.

Mr. Cameron is a graduate of Southern Illinois University at Carbondale, Illinois, with a Bachelor of Science in Accounting. He received his CPA designation in May 1985, and is a member of the American Institute of Certified Public Accountants.

JAMES W. ETHERTON
James Etherton serves as Executive Vice President and has more than thirty years of experience in the banking industry. His particular areas of expertise are internal audit functions; compliance regulations; electronic data processing, including ATMs; general operational functions and procedures; policies; and, profit improvement. He joined NBA, Inc. in 1988. As a bank consultant, Mr. Etherton has served as project manager of many engagements as well as providing ongoing internal audit and consumer compliance functions for a number of bank clients.

Prior to joining NBA, Mr. Etherton held several positions of responsibility in the area of internal auditing including the direction, supervision, implementation and reporting of internal audit scopes for six community banks and a holding company with total assets of $250 million and a $150 million trust company.

For six years he served as liaison for an ATM proprietary network located in the State of Illinois and coordinated efforts of the 19 banks in the proprietary network which utilized 40 ATMs. For two years Mr. Etherton served on a committee of a Users Group to develop an audit scope for a national electronic data processor for trust companies.

He is a member of the Institute of Internal Auditors and is a graduate of McKendree College with a degree in accounting and economics.

DENNIS P. LAMEY
Mr. Dennis Lamey serves as Executive Vice President at NBA, Inc. He has twenty-eight years of experience with the Comptroller of the Currency, principally as Field Manager of the Evansville, Indiana office of the Central District, where he oversaw supervision of nearly sixty national banks. These banks were located in southern Illinois, western Kentucky, and southwestern Indiana, and included several banks under special supervision.

In 1997, Mr. Lamey assumed the position of President of Citizens National Bank, Illinois Division of Citizens National Bank of Evansville, Indiana. As President, he supervised five banks in southern Illinois until 1999, when he was named head of Regulation and Compliance for Citizens (then Civitas Bank) in their Evansville office. In 2001, after the acquisition of Civitas by Fifth Third of Cincinnati, Ohio, Mr. Lamey became head of Private Banking for Fifth Third Bank in Evansville.

Mr. Lamey joined NBA, Inc. in October 2002. He brings a wealth of experience in working with bankers and regulators and can offer unique solutions for banks facing today’s challenges and competition.

Mr. Lamey earned his Bachelor of Science degree from Indiana University in 1969. He completed the Graduate School of Banking at the University of Wisconsin and the Commercial Lending School at the University of Oklahoma. He has also taught classes in communications for the Comptroller of the Currency as well as for Citizens and Fifth Third Banks.

AMY J. TEPEN
Amy Tepen serves as Vice President at NBA, Inc. She has over eleven years of experience with the Federal Deposit Insurance Corporation as a bank examiner assigned to the Mt. Vernon, Illinois field office in the Chicago Region. She has diverse experience with institutions ranging in asset size from $10 million to several billion with a concentration in loan review. In addition, Ms. Tepen has expertise in the information technology, Bank Secrecy Act, safeguarding customer information, trust, and denovo bank areas.

She joined NBA, Inc. in 2002. Her responsibilities include serving clients in the areas of loan review, information technology, and administrative action assistance. Her extensive and diverse examining experience compliments the banking experience of other NBA, Inc. associates to provide a team concept to better serve the firm’s clients.

Ms. Tepen has a Bachelor of Science degree in finance from Southern Illinois University in Carbondale. She became a commissioned examiner in 1994. She has also attended numerous banking education courses offered by the Federal Deposit Insurance Corporation and the Federal Financial Institutions Examination Council.

JAMES L. SNYDER
Mr. James Snyder serves as Vice President at NBA, Inc. Mr. Snyder has thirty years of experience with The Office of the Comptroller of the Currency as a bank examiner assigned to the Evansville Field Office of the Central District. Assignments have included several international examinations and money-center banks. In recent years most of his examining skills were concentrated in working with community banks, including such banks exhibiting severe weaknesses and under special supervision.

Mr. Snyder began his banking career in 1966 at the Citizens National Bank of Evansville, now Fifth Third Bank, in the operations department. He was manager of bookkeeping and transit department when he left the bank in 1974 to join the Office of the Comptroller of the Currency.

He joined NBA, Inc. in 2004. His duties at NBA, Inc. include loan review and credit risk management, as well as assisting banks under various forms of regulatory administrative actions.

Mr. Snyder has an Associate of Arts degree in accounting and business administration from Lockyear’s Business College in Evansville in 1966. He is also a graduate of the Louisiana State University Graduate School of Banking in Baton Rouge. He has also attended numerous banking education courses offered by the federal government inter-agency offices.

BARBARA A. GUTRIDGE
Ms. Barbara Gutridge currently serves as Vice President/Sr. Audit Manager at NBA, Inc. Ms. Gutridge began her banking career in 1978 in the Operations Department of a large bank. In 1980, she moved to the Audit Department where she served as Internal Auditor for three years. Thereafter, she served for six years as a Liquidation Assistant with the Federal Deposit Insurance Corporation. In her duties with the FDIC, she supervised account officers and clerical personnel in the liquidation of FDIC acquired assets. She also served as Pro Forma Manager at numerous bank closings.

Ms. Gutridge joined NBA, Inc. in 1991 as an Internal Audit Consultant. Since joining the firm, she has participated in numerous ongoing internal audit and compliance engagements.

In her capacity as an auditor for financial institutions since 1980, she has completed a number of information technology (IT) audits. These assignments have included audits of outside data processing systems, such as EDS, FiServ, and CSI, as well as in-house systems utilizing software systems such as Precision, IT, and Jack Henry. Such audits also included assessments of local area networks. These IT audits have generally followed FFIEC guidelines and have included testing and assessment of internal, external, processing, security, and other controls. Ms. Gutridge has also completed several special engagements in the IT area, including extensive work related to Y2-K.

Ms. Gutridge received a Bachelor of Arts degree in 1974 and a Masters of Business Administration degree in 1981.