views About DHG Financial Services About the Authors DHG Financial Services, a national practice of Dixon Hughes Goodman, focuses on publicly traded and privately-held financial services companies across the U.S. Our 30 financial services partners and more than 300 dedicated professionals provide you with in-depth, specialized industry knowledge and a wide range of assurance, tax and advisory services to address issues facing your industry in today’s challenging environment. For more information, visit dhgllp.com/financial-services. Eric Crowder is a manager in the DHG Financial Services and employee benefit plans practices. He has managed external audit engagements for a variety of financial institutions, including HUD mortgage lenders for more than seven years. Walter McNairy, Managing Partner, DHG Financial Services, oversees financial services client engagements throughout DHG’s footprint.

Over the past 25 years Walter has worked with community, regional and top 10 banks helping them achieve their strategic goals and navigate the complexities inherent in today’s environment. Eric Crowder Manager DHG Financial Services eric.crowder@dhgllp.com Assurance | Tax | Advisory | dhgllp.com 2 Walter McNairy Managing Partner DHG Financial Services walter.mcnairy@dhgllp.com .