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SmartFinancial Inc (SMBK.OQ)

SMBK.OQ on NASDAQ Stock Exchange Capital Market

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Summary

Name Age Since Current Position

Wesley Welborn

57 2009 Independent Chairman of the Board

William Carroll

2015 President, Chief Executive Officer, Director

William Carroll

2015 Vice Chairman of the Board

C Johnson

46 2015 Chief Financial Officer, Executive Vice President

Robert Watson

58 2016 President - Chattanooga Region

Gary Petty

40 2015 Executive Vice President, Chief Risk Officer of the Company and the Bank

Nathaniel Hughes

56 2015 Executive Vice President, Investment Officer and Institutional Investor Relations

James Vercoe

62 2013 Executive Vice President and Chief Credit Officer of Cornerstone Community Bank

Monique Berke

49 Vice President, Investment Operations of Unum Group

Victor Barrett

62 2015 Director

Ted Miller

71 2015 Director

David Ogle

58 2015 Director

Steven Tucker

65 2017 Director

Keith Whaley

44 2015 Director

J. Beau Wicks

56 2017 Director

Geoffrey Wolpert

59 2015 Director

Frank McDonald

63 2005 Independent Director

Doyce Payne

64 1997 Independent Director

Biographies

Name Description

Wesley Welborn

Mr. Wesley Miller Welborn is Independent Chairman of the Board of Cornerstone Bancshares Inc. Mr. Welborn is a Partner with the Lamp Post Group, a Chattanooga based small business incubator. Mr. Welborn also has served as President of Welborn & Associates, Inc., a Chattanooga based consulting firm specializing in transportation logistics, for more than ten years. He has been a director of the Company since September 2005. Mr. Welborn has served on the boards of numerous trucking companies and associations. In addition, he served on the board of a publicly traded bank for many years and for two terms as a director of the Federal Reserve Bank of Atlanta’s Birmingham Branch. He also serves on the boards of several non-profit organizations.

William Carroll

Mr. William (Billy) Y. Carroll, Jr. is President, Chief Executive Officer, Director of the Company. He is President and Chief Executive Officer of SmartBank and director of SmartBank and Cornerstone Community Bank.

William Carroll

Mr. William (Bill) Y. Carroll, Sr. is Vice Chairman of the Board of the Company. He is Director of Business Development for SmartBank. Mr. Carroll continue to serve as the chairman of the SmartBank board of directors.

C Johnson

Mr. C. Bryan Johnson is Chief Financial Officer, Executive Vice President of the Company. Mr. Johnson has served as Executive Vice President and Chief Financial Officer of SmartBank and SmartFinancial since 2010 and previously served as its Vice President and Controller. Mr. Johnson is a 1991 graduate of the United States Military Academy at West Point with a bachelor of science in economics. After college, he attended Officer Basic Training and Airborne School before serving as an Artillery Officer with the First Armored Division in Europe. Following a deployment to Bosnia as the Battalion Intelligence officer, Mr. Johnson left the Army as a Captain. In 2000, Mr. Johnson received his J.D. and MBA in Finance from the University of Tennessee. Mr. Johnson holds the Chartered Financial Analyst Designation. Following graduate school, he joined Moon Capital Management, a registered investment advisor. He is a member of the CFA Society of East Tennessee and a member of the West Point Society of East Tennessee.

Robert Watson

Mr. Robert Barry Watson is President - Chattanooga Region of the Company. Mr. Watson brings 35 years’ experience in the banking industry to his position as President of Cornerstone Community Bank, where he served as Executive Vice President and Senior Loan Administrator from March 2011. Prior to joining Cornerstone in June of 2002, he worked in executive capacities with several regional and community banks, most recently as President and Chief Operating Officer of First Volunteer Bank of Tennessee. A native of Chattanooga, he holds a bachelor’s degree in Accounting and Finance from the University of Tennessee at Chattanooga (UTC). He is a graduate of the LSU School of Banking. His past civic involvement includes board positions with Chattanooga Christian School, Shepherds Arms Rescue Mission and the UTC Finance Advisory Board.

Gary Petty

Mr. Gary W. Petty, Jr., is Executive Vice President, Chief Risk Officer of the Company and the Bank. Prior to that, Mr. Petty served as Chief Financial Officer and Senior Vice President of the Bank from January 2007 to December 2013. He also served as interim Chief Operations Officer from February 2012 to December 2013. Prior to 2007, Mr. Petty served as Vice President/Internal Auditor since 2004. Gary Petty started with Cornerstone in January of 2000 as a credit analyst and has nearly twenty years’ experience in the banking industry. He received his undergraduate degree in Economics from the University of Georgia and a Master of Accountancy degree from the University of Tennessee at Chattanooga.

Nathaniel Hughes

Mr. Nathaniel F. Hughes is Executive Vice President, Investment Officer and Institutional Investor Relations of SmartFinancial, Inc. He previously served as President and CEO of the Company’s sole banking subsidiary, Cornerstone Community Bank (the “Bank”), from March 2012 to February 2015. Prior to that Mr. Hughes served as President and Interim Chief Executive Officer of the Bank from November 2009 to March 2012. Prior to that time Mr. Hughes served as President and Chief Financial Officer of the Company and President and Chief Operating Officer of the Bank from June 2004 to November 2009; President and Chief Financial Officer of the Company and the Bank from April 2003 to June 2004; and Executive Vice President and Chief Financial Officer of the Company and the Bank from February 1999 to April 2003. Mr. Hughes has been a director of the Company since April 2003. He has over 30 years experience in the banking and financial services industry, including expertise in finance and accounting. Mr. Hughes possesses extensive knowledge of the Company’s business and regulatory environment, including matters affecting public companies. As chief executive, he is intimately involved in the Company’s strategic vision and direction and interacts with key executives and constituents within and outside the organization. He also serves on the boards of several non-profit organizations.

James Vercoe

Mr. James R. Vercoe, Jr. is Executive Vice President and Chief Credit Officer of Cornerstone Community Bank, a subsidiary of Cornerstone Bancshares Inc since December 2013. Prior to that, he served as Senior Vice President and Chief Credit Officer since 2010. Bob Vercoe joined Cornerstone in November of 2010 as a 30-year veteran of the banking industry, having served in executive positions with banks in Charlotte, NC; Nashville, TN; and Chattanooga, TN. Originally from Raleigh, NC, he holds a bachelor’s degree in U.S. History and an MBA in finance from the University of North Carolina at Chapel Hill.

Monique Berke

Monique P. Berke is Vice President, Investment Operations of Unum Group, a global provider of financial protection benefits. She previously served as Vice President, Human Resources, Global Services for Unum. Prior to 2009, she owned and operated Berke Coaching & Consulting, providing consulting services to Fortune 500 companies. Ms. Berke has extensive experience in the financial services industry with specializations in human resources and operational effectiveness. Her corporate and consulting backgrounds add extensive experience to the Board in matters concerning human resources, process and change management and strategic planning. She has served on several community non-profit boards and committees and is the recipient of many professional awards.

Victor Barrett

Mr. Victor L. Barrett is Director of the Company. He served as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007. Mr. Barrett graduated from the University of Texas at El Paso in 1974 with a bachelor’s degree in accounting, and became a licensed Certified Public Accountant in 1976. Mr. Barrett was a co-founder of a family entertainment center facility in Pigeon Forge, Tennessee, which has expanded into Florida and Alabama, a position he has held since 1984. Mr. Barrett serves on the board of directors of the Gatlinburg Airport Authority.

Ted Miller

Mr. Ted C. Miller is Director of the Company. He served as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007. Mr. Miller is the president and a partner of Dolly Parton Productions and has over 51 years’ experience in tourism, recreation, development and marketing of themed attractions. Mr. Miller is director and secretary at World Choice Investments. Additionally, he serves as vice-chair of The Dollywood Foundation and The Imagination Library. He has previously served as co-chair of an executive committee overseeing the Tennessee State Tourism Department for Governor Bill Haslam.

David Ogle

Mr. David A. Ogle is Director of the Company. He served as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007. Mr. Ogle received his undergraduate degree from East Tennessee State University and his master’s degree from Clemson University. Mr. Ogle is a partner and co-founder of Five Oaks Development Group, which develops commercial real estate and tourism assets in East Tennessee, and he is the founder of Five Oaks/Ogle, Inc., a commercial general contractor and real estate broker, which has completed over $100 million in commercial construction since 1990. Additionally, Mr. Ogle is the co-founder and president of Oaktenn, Inc., which owns and operates five hotels in East Tennessee; and Mr. Ogle is the co-founder and officer in Five Oaks Outlet Centers, Inc., which owns commercial property primarily in East Tennessee.

Steven Tucker

Mr. Steven B. Tucker is Director of the company. He graduated from the University of Alabama with dual degrees in Finance and Accounting as well as an MBA. After serving as an officer in the United States Army, he joined the National Accounting Firm of Arthur Anderson and completed the requirements to become a Certified Public Accountant. Mr. Tucker worked for 20 years in the field of Public Accounting, then became a principal in Barnett Transportation, a liquid bulk transporter headquartered in Tuscaloosa, Alabama. Mr. Tucker has served many years as Treasurer and later President of the Children’s Hands On Museum as well as serving on the board of the Alabama Trucking Association Worker’s Compensation Fund. Mr. Tucker joined the boards of directors of Bancshares and Capstone in 2008, having served on the loan, audit and compensation committees of the Capstone board of directors, and having served as Chairman of the boards of directors of Bancshares and Capstone prior to the Merger.

Keith Whaley

Mr. Keith E. Whaley is Director of the Company. He served as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007. Dr. Whaley is the founder of the Whaley Family Eyecare in Pigeon Forge, Tennessee. He earned his undergraduate degree and his Doctor of Optometry from the Southern College of Optometry. Dr. Whaley served as Mayor of the City of Pigeon Forge from 2007 until 2011, and currently serves on the Board of Commissioners of the Sevier County Utility District.

J. Beau Wicks

Mr. J. Beau Wicks is Director of the company. He is a lifelong resident of Tuscaloosa, Alabama. He is a 1983 graduate of The University of Alabama, with a degree in Accounting. He spent eight years as a Controller for Randall Publishing Company, and six years as CFO for Cummings Trucking Company. In 1998, Mr. Wicks started Southeast Logistics, a regional trucking company serving the building products industry (roofing, steel, lumber, pipe). The company has grown to operate approximately 300 trucks with four offices in three states. Mr. Wicks is a member of the Alabama Trucking Association, and has served on the board of directors of the ATA Workers Compensation Self Insurance Fund for twelve years, including two years as chairman. Mr. Wicks joined the boards of directors of Bancshares and Capstone in 2008, having served on the loan, budget and audit committees of the Capstone board of directors, including five years as Audit Chair. Prior to joining Bancshares and Capstone, Mr. Wicks served three years on the board of directors of First Federal Bank in Tuscaloosa, Alabama. Over the years, Mr. Wicks has served numerous civic and philanthropic organizations within his community.

Geoffrey Wolpert

Mr. Geoffrey A. Wolpert is Director of the Company. He served as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007. Mr. Wolpert graduated from the University of South Carolina with a degree in business management. Mr. Wolpert owns two restaurants in the Sevier County, Tennessee area: The Peddler Steakhouse and The Park Grill. Mr. Wolpert is a former board member of The First National Bank of Gatlinburg, and he was the founding president of the Gatlinburg Gateway Foundation. He currently serves on the executive committee of the Board of Governors of the Arrowmont School of Arts & Crafts.

Frank McDonald

Mr. Frank S. McDonald is Independent Director of Cornerstone Bancshares Inc., since September 2005. He is President of FMA Architects, PLLC, a Chattanooga based architectural firm, for more than twenty-five years. He has been a director of the Company since September 2005. Mr. McDonald’s extensive experience in the development and real estate industry assists the Bank’s loan origination process and credit risk management. In addition, he has vast experience in board governance and has served as Chairman of several non-profit organizations

Doyce Payne

Dr. Doyce G. Payne, M.D., is Independent Director of Cornerstone Bancshares Inc., since 1997. Dr. Payne practiced obstetrics and gynecology in the Chattanooga area for more than twenty years prior to his redirecting his practice to International Medical Missions in 2003. He has been a director of the Company since 1997. As a resident of Chattanooga, his knowledge of the Chattanooga market fits well with the Company’s strategy of focusing on its core banking franchise in Hamilton County. He also serves on the boards of several non-profit organizations.