CHARLIE R. CAMERON
Mr. Cameron serves as Chief Executive Officer at NBA, Inc. He is a Certified Public Accountant with twenty-five years of combined experience in “Big 4” public accounting and the banking industry, including twelve years of experience with a multi-billion dollar bank holding company. Mr. Cameron joined NBA, Inc. in August 1999 and has owned and managed the firm since the beginning of 2000.

Prior to 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 audit, tax, strategic and profit planning, mergers and acquisitions, asset/liability management, executive searches, stock valuations 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.

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KEITH A. FRANCIS
Mr. Keith Francis serves NBA, Inc. as Executive Vice President – Credit Risk Management Services. Mr. Francis has over 32 years of experience in the financial services industry. During his career, Keith has served in various leadership and management roles at commercial banks, ranging from billion dollar multi-state financial institutions to privately owned community banks. Mr. Francis has broad experience in the areas of credit administration, loan review, commercial and commercial real estate credit underwriting/approval, and problem loan resolution.

Prior to joining NBA, Inc. in July 2011, Mr. Francis served two plus years as Senior Vice President and Assistant Chief Credit Officer for Centrue Bank, Ottawa, Illinois. His responsibilities were focused on resolving workout commercial loans in the St. Louis, Missouri office. In addition, he served as a voting member of the Officer’s Loan Committee, Large Workout Loan Committee and Asset/Liability Committee. Prior to his tenure at Centrue, Mr. Francis served as President and Chief Executive Officer of Commercial State Bank of Waterloo, Illinois overseeing the stabilization of the Bank’s condition and subsequent sale to Midland States Bank of Effingham in February 2009.

Mr. Francis was Chief Credit Officer at Reliance Bank of St. Louis from October 2006 to June 2008. Prior to joining Reliance, Mr. Francis served as Chief Credit Officer at Centrue Bank, Kankakee, Illinois from October 2004 to October 2006. Mr. Francis also has experience as a lending group manager, commercial lender, correspondent banker, loan review officer and regulatory examiner.

As EVP of Credit Management Services, Mr. Francis oversees the firm’s loan review and asset recovery departments, in addition to providing other management consulting services to our clients. Mr. Francis’ extensive background in credit management, combined with his specific experience in the areas of workout credit management, underwriting, and loan review, enable Keith to provide a unique perspective and understanding of the challenges and opportunities facing the banking industry today.

Mr. Francis received his Bachelor of Science degree from Southern Illinois University at Carbondale in 1978 and is a graduate of the Southwest Graduate School of Banking at Southern Methodist University.

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JAMES W. ETHERTON
Mr. Etherton serves as Executive Vice President and has more than thirty-five 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, training and operating policies and procedures. He joined NBA, Inc. in 1988, and currently heads the firm’s internal audit and compliance department. Mr. Etherton also directs the firm’s compliance training program. In addition, he has served as project manager for numerous special engagements, including due diligence projects and assisting banks under regulatory administrative action agreements.

Prior to joining NBA, Inc., 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.

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DENNIS P. LAMEY
Mr. Dennis Lamey serves as Executive Vice President and Senior Consultant 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.

Dennis 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.

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RICHARD M. CHAMBERS
Mr. Richard (Rick) Chambers serves as Senior Vice President and Senior Consultant at NBA, Inc. Mr. Chambers has had a successful career in banking spanning over 35 years.

His career began at the Old National Bank of Centralia, Illinois (now US Bank) with responsibilities in the consumer and commercial loan areas. He later joined Citizens Bank of Illinois (formerly the First National Bank of Effingham) as Executive Vice President with responsibilities in the lending and operations areas.

In 1995, he became a Regional President for Citizens Bank of Illinois, a division of Citizens Bank of Evansville, Indiana. In 2000, through the acquisition of Civitas Bank (formerly Citizens Bank of Evansville), Mr. Chambers became a Senior Vice President, Regional Manager with responsibility for the operations of ten banking centers in southern Illinois and southwestern Indiana.

Mr. Chambers’ leadership and executive skills add strength to our consulting team in the areas of strategic planning and special projects. Further his extensive background in commercial lending and credit administration further strengthen our loan review team.

Mr. Chambers is active on numerous civic and community associations. Presently, he serves as President of the Effingham County Civic Foundation, a private economic development foundation, ARC Community Support Systems Foundation as Treasurer, St. Anthony of Padua Catholic Church as Trustee, and St. Anthony Memorial Hospital as a Board Member.

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BARBARA A. GUTRIDGE
Ms. Barbara Gutridge currently serves as Vice President/Senior 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 and Compliance Consultant. She serves as project manager over numerous ongoing internal audit and compliance engagements and has broad based banking knowledge across many areas including compliance, lending, operations and information systems.

Ms. Gutridge also has extensive experience in the information technology area. She has completed numerous information systems audits, including audits of outsourced 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. In addition, Ms. Gutridge has also managed numerous information technology special projects, including assisting banks in the development of Business Continuity Plans.

Ms. Gutridge received a Bachelor of Arts degree from Ohio Wesleyan University and a Masters of Business Administration degree from Chapman University.

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CHRIS FAWCETT
Mr. Chris Fawcett serves as Manager – Information Technology Services at NBA, Inc. He has over ten years of prior experience in the financial services industry as an information technology (IT) audit specialist and risk management consultant. He also has over thirty years experience in IT operations and management. As an auditor and consultant, he gained diverse experience in both small community banks and banks with assets of several billion dollars while gaining extensive training in IT operations and management. He has considerable experience in: IT controls compliance (including risk analysis and risk assessment to identify, map, and evaluate key controls over IT-related processes); IT control and security reviews (including user access and application controls); application/database security and administration controls (including segregation of duties and incompatible role analysis); business continuity/ disaster recovery planning (including business impact analysis, plan development, test development, and test implementation/monitoring); IT policy and procedure evaluation and development; and business-to-IT process, application, and interface mapping.

Mr. Fawcett joined NBA, Inc. in February 2011. He is primarily responsible for serving clients in the areas of IT audit and risk management. His experiences performing IT risk management evaluations within the financial services industry makes him uniquely qualified to assist our clients with IT and customer information security risk assessments, as well as completion of information technology audit procedures evaluations in accordance with Federal Financial Institutions Examination Council (FFIEC) guidelines. In addition, Mr. Fawcett’s strong analytical and assessment skills and experience in the areas of operational procedures and controls, financial services application controls and system implementations, and business process analysis further strengthen the quality of our staff in the IT controls assessment area.

Mr. Fawcett has a Bachelor of Arts degree in History from St. Ambrose University in Davenport, Iowa, as well as a Master of Organizational Leadership degree from St. Ambrose. He has previously worked in an IT risk management role at RSM McGladrey, Inc. He has also obtained his Certified Information Systems Audit (CISA) certification.

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