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Bankmark: The Team

Strategy / Project Management / Capitalization

Bankmark has provided consulting services to both the financial services for over 20 years. For the past fifteen years, Bankmark has focused its energies on the capital acquisition process in the community bank environment. Bankmark has successfully helped many community banks to attract and deploy their required capital. In addition, Bankmark has developed marketing strategies that helped their client-banks to achieve aggressive growth and profit goals. Bankmark is also in charge of market development for the Community Bank Development Team. In this capacity Bankmark works with each organizing group by facilitating necessary resources for each the project.

Our team has collectively facilitated the opening of over 134 community banks. This is an enviable record for a consulting group specializing in the de novo environment. Our team is the only professional association providing an organizing bank group an end-to-end total solution.

The Nubank Team:

John J. Byrne

Mr. Byrne began his affiliation with NuBank while an organizer of Birmingham Bloomfield Bancshares and Bank of Birmingham, a de novo bank near Detroit, Michigan. He has twenty years of experience in local, state and federal government management, supervisory and investigative positions. He is a veteran of the United States Army, having served as an aviator and commissioned as a Chief Warrant Officer with assignments to various posts around the world and responsibilities for management and supervision of numerous military and foreign national personnel and millions of dollars in government property and equipment. He also held various supervisory and investigative positions with the police department for the City and County of Denver, Colorado and the Michigan State Police. He has extensive experience working within the regulatory environment of the Bank Secrecy Act and is a former access officer for the U.S. Department of Treasury's Financial Crimes Enforcement Network (Fin CEN). Mr. Byrne holds an A.A.S., Summa Cum Laude, in Criminal Justice and a B.B.A., Summa Cum Laude, in Management. He serves as a management consultant with NuBank and is responsible for new business development, account management and client relations. Mr. Byrne resides in Birmingham, Michigan, with his wife and four children.

Dennis F. Ceklovsky - Operations

Dennis F. Ceklovsky is president of DFC Consulting Company, a financial and bank consulting firm, and brings over 25 years of banking experience to the Community Bank Development Team. Mr. Ceklovsky began his banking career in 1973 with Bank of America, where he spent 15 years in a variety of credit and managerial positions. In 1984, Dennis was honored by B of A's president for outstanding performance. Because of his accomplishments, Mr. Ceklovsky was selected and approved as the President of 2 start-up community bank projects, and therefore, has a uniquely valuable perspective as both a banker and industry consultant. Mr. Ceklovsky has been a regular guest speaker at California State University Sacramento and is a former instructor for the California Community College system in the areas of banking, finance and management. He is currently a member of the Sacramento Chapter of Robert Morris Associates, and is a founding member of the Sacramento Capital Club, previously serving on its financial committee.

Chet A. Fenimore

Shareholder, Financial Institutions Law. Jenkins & Gilchrist, A Professional Corporation. Mr. Fenimore's practice area focuses on corporate and regulatory representation of financial institutions, including mergers; acquisitions by holding companies; defense of hostile takeovers; all aspects of raising capital (public and private); subchapter s elections; representation of directors; compliance issues generally, including legal lending limit, Regulation O, and Sections 23A and B, and filing applications to federal and state regulatory authorities. Mr. Fenimore also has experience in commercial loan documentation and real estate finance. Prior to attending law school, Mr. Fenimore was a bank examiner with both the Oklahoma Banking Department and the Comptroller of the Currency. Through this experience, he has developed credibility with the regulators and gained familiarity with both the legal and the business aspects of the financial institutions industry. Education - University of Oklahoma (J.D., with honors, 1993) Oklahoma State University (B.A., Finance,1985). Professional Affiliations - Oklahoma State Bar Association; Texas State Bar Association; American Bar Association; Oklahoma Banking Code Revision Committee; Oklahoma Bankers Association Bank Attorneys Committee Advisory Board; Financial Institutions Legal Counsel Network; Oklahoma Bar Association Commercial Law and Financial Institutions Section.

Brian Flynn

Brian has 15 years of experience in marketing, branding and business development. Brian began his career with 9 years at Citibank, including three years as SVP, Marketing Communications & Branding for the U.S. and Europe. In 1999, Brian co-founded Annotate Technologies, a Web navigation software company, raising $8 million and building business partnerships with major brands such as Business Week, CNET, Merrill Lynch and others. From 2001 until 2003, Brian was President of RLM Public Relations, bringing in clients such as Barnes & Noble, Fuji Film, Allergen (Botox), Mandalay Films and Comcast. During those three years, RLM doubled revenues and opened three offices. Flynn holds a business degree from Georgetown University and has written articles for The Wall Street Journal, the Daily News, BrandWeek, and the Harvard Business Review (October, 2004). He is on the Board of Directors of BVI Capital Partners and AccuMED Technologies.

Richard S. Garabedian

Richard S. Garabedian is member of Luse Gorman Pomerenk & Schick, P.C., a Washington, DC based law firm that specializes in the representation of financial institutions nationwide on mergers and acquisitions; new bank formations; and regulatory, securities, tax, employee benefits and corporate matters. A number of Luse Gorman attorneys have served with the federal banking agencies as well as with the Securities and Exchange Commission and the Internal Revenue Service.

Mr. Garabedian regularly advises domestic clients on a variety of issues including regulatory matters (e.g., affiliate and insider transactions, preemption and corporate powers issues), enforcement matters, structure options (holding company formations, operating subsidiaries, joint ventures, etc.) and securities matters (e.g., compliance with the Sarbanes-Oxley Act, the Securities Act of 1933 and the Securities Exchange Act of 1934). Luse Gorman is consistently in the top ten firms nationwide in bank mergers and acquisitions. Over the past five years Luse Gorman has served as counsel to clients that have raised over $3 billion in new capital.

Prior to entering private practice, Mr. Garabedian served as an attorney with the Federal Reserve Board and the Federal Home Loan Bank Board in Washington, DC. Mr. Garabedian is a frequent speaker on federal banking laws and banking issues before national and local trade associations.

Mr. Garabedian received his J.D. from Rutgers University, and his B.A. from Temple University. He has been practicing law for over 25 years. Mr. Garabedian is admitted to practice in the District of Columbia, New Jersey and Pennsylvania.

Jeff Gleeson

Mr. Gleeson graduated from the University of Illinois with a BA in Business. He completed 50% of an MBA in Finance/Accounting from Regis University (Denver Co). Mr. Gleeson has 10 years banking background with a heavy emphasis in Commercial Lending and specializes in cleaning up troubled portfolios and Credit Departments, while being very successful in growing personal portfolios. Mr. Gleeson started the DeNovo process in Danville. He is married to wife Tina with 8 year old boy and identical Twin 4 year old boys.

Kathryn L. Knudson

Kathryn L. Knudson, Partner - Atlanta Financial Institution and Securities Law. Kathryn Knudson concentrates in financial institution and securities law with emphasis on the regulation and structure of financial institutions and financial services companies. Ms. Knudson organizes de novo banks, their holding companies and their non-bank affiliates and subsidiaries. She advises financial institutions on raising capital and conversion to Subchapter S tax status. She also structures and negotiates the purchase and sale of financial institutions, their holding companies, their non bank affiliates, their branches and their other assets. Kathryn counsels financial institutions on corporate governance matters, on regulatory issues and on strategies for dealing with dissident shareholders. Ms. Knudson advises financial institutions, their holding companies and their management teams on a wide variety of securities law issues, including public and private offerings, proxy solicitations, periodic reporting requirements, disclosure obligations and insider trading.

Gary A. Lax

Gary A. Lax is member of Luse Gorman Pomerenk & Schick, P.C., a Washington, DC based law firm that specializes in the representation of financial institutions nationwide on mergers and acquisitions; new bank formations; and regulatory, securities, tax, employee benefits and corporate matters. Mr. Lax regularly advises domestic and international clients on a variety of issues including enforcement and regulatory matters (e.g., the Bank Secrecy Act, USA Patriot Act, affiliate and insider transactions, and preemption and corporate powers issues), structure matters (e.g., mergers and acquisitions, S-corporation elections, holding company formations and mutual-to-stock conversions), and securities matters (e.g., compliance with the Sarbanes-Oxley Act, the Securities Act of 1933 and the Securities Exchange Act of 1934).

Prior to entering private practice, Mr. Lax served as an attorney with the Office of the Comptroller of the Currency in Washington, DC. Mr. Lax is a frequent lecturer on federal banking legislation and substantive banking law rules and regulations, and has spoken on banking law matters to the Internal Revenue Service, the U.S. Department of Justice, and various national and state banking trade associations. For over ten years, Mr. Lax was on the faculty of the Federal Financial Institutions Examination Council (FFIEC). He is currently a member of the Board of Directors of the Miss America Organization.

Mr. Lax received his LL.M. in Banking Law Studies from Boston University School of Law, his J.D., cum laude, from Delaware Law School, and his B.A. from the University of Delaware. He has been practicing law for 20 years.

Walter G. Moeling

Atlanta Financial Institution Law. Walt Moeling heads our Financial Institutions practice group, which represents banks, thrifts, insurance companies, and securities firms nationwide. He has been recognized for his expertise in Internet banking and his practice has included Internet banking clients since 1995. Mr. Moeling organizes de novo banks, including Internet banks and federal savings banks, their holding companies, and their non-bank affiliates and subsidiaries. He advises financial institutions regarding raising capital and conversion to Subchapter S tax status and negotiates and structures the purchase and sale of bank holding companies, financial institutions, non-bank affiliates, branches, and other financial institution assets. Mr. Moeling also counsels clients on corporate governance matters, on operational and regulatory issues faced by financial institutions, and on strategies for dealing with hostile takeovers and dissident shareholders.

Ben New

Born in Georgetown, KY, Ben graduated from Georgetown College Magna Cum Laude with a BA in Economics Political Science in 1981, prior to attending and graduating from Xavier University with his MBA in 1985. Ben began his career while in school at Xavier with First National Bank in Georgetown, and upon graduation moved on to Farmers Bank where he was an auditor and compliance/loan review officer. In 1988 Ben helped establish Georgetown Bank, but shortly moved on to Whitaker Bank Corporation where he was the VP Director of Audit and Compliance for ten affiliate banks. After eight years with Whitaker Bank Ben moved on to First Security Bank of Lexington, another de novo he helped establish, and then Bluegrass Community Bank, which completed the regulatory process and gained approval for a charter. Ben is a Certified Bank Auditor (CBA) and Certified Financial Institutions Auditor, and is the former President of Bank Auditors of Central Kentucky. He has been published in Kentucky Banker Magazine, and served as an instructor for the American Institute of Banking since 1985. He is also an instructor in the Department of Business and Economics at his alma mater, Georgetown College.

Donald P. O'Dea

Mr. O'Dea is a co-owner of Greater Jersey Mortgage Company, a mortgage banking company he founded in 1994. From October 2000 until August of 2002 Mr. O'Dea was the regional Vice President of NorCrown Bank. After September 2002, Greater Jersey Mortgage Company became NorCrown's mortgage division. During this time he also served on NorCrown's advisory board. Since 1970, Mr. O'Dea has served in senior level management positions in commercial banks throughout the State of New Jersey. Mr. O'Dea graduated from Stonier Graduate School of Banking in 1981 and received a Certificate in commercial lending from New York University in 1985. In addition he was certified as a Real Estate Appraiser from the University of Colorado at Boulder in 1990.

Mr. O'Dea served in the United States Army during the Vietnam conflict and was honorably discharged in 1968. After many years in community service, he is past President of and has been an active member of many organizations. Mr. O'Dea has been a member of the New Jersey Bankers Association, the Northern New Jersey League of Community Bankers and the New Jersey League of Mortgage Lenders. He has been a licensed mortgage banker since 1995 and previously held the title of Certified Real Estate Appraiser.

Daniel P. O'Donnell

Mr. O'Donnell is a director and organizer of Birmingham Bloomfield Bancshares and Bank of Birmingham, a de novo bank near Detroit, Michigan. As one of the first few organizers of Bank of Birmingham, Mr. O'Donnell assisted in the recruitment of the core group of organizers that successfully launched the opening of the bank. Mr. O'Donnell's affiliation with NuBank was from the ground up and he gained crucial experience in the de novo process from start to finish. Mr. O'Donnell worked at the Michigan House of Representatives as a legislative assistant and worked on many regional political campaigns. Mr. O'Donnell has business experiences in a family-owned business that is extensively involved with the property insurance industry, as well as several real estate development projects in the metropolitan Detroit area. He currently serves NuBank/Bankmark as a management consultant responsible for new business development, client relations and account management. Mr. O'Donnell resides in Beverly Hills, Michigan, with his wife and three children.

Terry Oehring

Terry Oehring, CISSP, MCSE, CCNA, Founder and CEO of Solis Security Inc. Mr. Terry Oehring has an extensive background in the Information Technology field with over 15 years of experience in hands-on roles as a technology leader. The past eight years have included the financial services and banking sector.

Most recently, during his tenure as Information Security Director for the S1 Corporation, Mr. Oehring designed a Managed Security Services Provider (MSSP) solution. This solution specialized in providing information security services and consulting to small and medium sized banking institutions.

In 2003, Mr. Oehring left S1 to start Solis Security Inc., an Austin-based company which focuses on IT infrastructure, information security, and regulatory compliance consulting to the banking sector. His clients range in asset size from $20 million de novos to over $10 billion commercial banks.

Mr. Oehring's civic contributions include the Board of Directors for the Star of Texas Fair and Rodeo where he actively participates in fund raising events and activities to generate scholarship funds for Texas high school students.

Mr. Oehring's diverse background in IT management coupled with his knowledge on information security and regulatory compliance provides a combination of both, strategic vision and tactical delivery.

Leonard J. Rubin

Leonard J. Rubin is a Partner in the Financial Institution Group at Powell Goldstein, LLP. Len Rubin focuses his practice on the federal and state regulation of financial institutions and financial services companies. Mr. Rubin represents commercial banks and financial services companies in all aspects of corporate organization and governance, federal and state regulation, compliance and enforcement. He organizes financial institutions and holding companies and advises and assists in purchases and sales of financial institutions. Mr. Rubin advises financial institutions regarding Internet banking, Subchapter S tax status conversions, denovo banking, insurance, securities, capital management and structuring of financial services subsidiaries. He is a frequent author and lecturer on current issues concerning the regulation of financial institutions. Mr. Rubin's clients include regional and community banks and thrifts nationwide. Mr. Rubin is the general counsel of the Independent Community Bankers of America.

Bobbe A Sigler

Bobbe A. Sigler is a multi-industry management consultant with extensive banking experience. Combining her financial systems and technology knowledge has enabled her to work in "R&D" environments such as systems coordinator for the Federal Reserve's FedLine beta testing project at Eldorado Bank continuing through her project coordination for the creation of the first integrated mainframe to "PC" financial modeling program with City National Bank. She has implemented numerous systems conversions and networked integrations for community banks throughout Southern California including Marine National bank, Western Bancorp and Merchants Bank. Her knowledge of banking technology has been instrumental in directing one of the first Internet Bank charters as well as numerous de novo "bring and mortar" bank charter applications.

As Chief Operating Officer, and Chief Financial Officer she has established and directed strategic goals, financial policies and long-term systems needs since 1975. She has developed financing and business plans leading to successful acquisitions in both the financial and manufacturing industries. She has provided risk assessments and implemented cost savings programs to such clients as Dai-Ichi Kangyo Bank and Cerritos Valley Bank. Her testimony as a subject matter expert on internal control weaknesses and insider abuse has been relied upon in both civil and grand jury proceedings.

In 2000, Ms. Sigler began providing consulting services which focused on her broad range of expertise in corporate finance, community banking, and IT management. Her areas of expertise offered in new bank formations include new organizer and director training; regulatory and legal liaison; strategic planning (Business, Marketing and Technology Plans); market and economic analysis; facilities design; competitor data/trends analysis and systems integrations. Her experience includes new bank formation and charter Applications in California, Texas, New York, Virginia and Pennsylvania.

She has been a guest lecturer in management, and organizational effectiveness at Cerritos College and guest speaker on the "Business of Banking" at various community and business organizations. She has become a sought after consultant in the field of new bank formations and is an associate consultant to Bankmark Consultants, RLR Management Consultants Inc, Steiner & Associates and. She is a graduate of California State University, Los Angeles with degrees in Finance and Marketing and holds certificates from the American Institute of Banking and the University of Southern California.