Edward M. Rosinus

Highlands Bankshares, Inc. (Virginia) is a bank holding company, which through its subsidiaries engages in the provision of retail and commercial banking products and services. Its products and services include accepting deposits in the form of checking accounts, money market deposit accounts, interest-bearing demand deposit accounts, savings accounts and time deposits; and commercial and industrial, credit card and agricultural loans. The company was founded on December 29, 1995 and is headquartered in Abingdon, VA.

Keefe, Bruyette & Woods, Inc. (KBW) is a full-service investment bank and broker/dealer headquartered in New York City. The firm was founded in 1962 and is a subsidiary of Stifel Financial Corp. (NYSE: SF). KBW offers sales and trading in equities securities of financial services companies.

HomeBancorp, Inc. provides retail banking, SBA, USDA and commercial mortgage loan products and services. The firm mortgage, home equity, construction, real estate development, commercial building and Small Business Administration loans and lines of credit. The company was founded by Jerry D. Campbell in 2007 and is headquartered in Tampa, FL.

Highlands Union Bank operates as state chartered commercial bank. It offers individual banking, medical and dental banking, business loans, business management and merchant services. The company was founded in 1985 and is headquartered in Abingdon, VA.

Tiptree Advisors LLC is a SEC-registered investment advisor and hedge fund manager headquartered in New York City. The firm was founded by Michael Barnes and Arif Inayatullah in 2003 as Tricadia Capital Management LLC. They are wholly owned by Tiptree Advisors Holdings LP. Formerly known as Corvid Peak Capital Management LLC, Tiptree Advisors provides discretionary portfolio management and advisory services to institutional investors. They also manage certain assets on behalf of Tiptree, Inc.

PT Asset Management LLC (PTAM) is a SEC-registered investment advisor headquartered in Chicago, Illinois. The firm was founded by Richard Berg in 2008 and formerly known as Performance Trust Investment Advisors LLC. They are majority-owned and controlled by PTAM Holdings LLC and minority-owned by certain senior employees. PTAM provides discretionary investment management and advisory services to mutual funds and separately managed accounts.