Chief Financial Officer, Chief Investment Officer, Treasurer

JOHN S. BARTLES 126 Elm Street, PO Box #1  Gnadenhutten, OH 44629  (740) 254-4962  johnbartles@sbcglobal.net EXECUTIVE PROFILE RISK MANAGEMENT | REGULATORY COMPLIANCE | ORGANIZATIONAL LEADERSHIP A senior level finance executive with more than 20 years of success in the development and implementation of highly effective strategies that have resulted in significantly improved risk management, bank performance, asset quality and ratios. An expert in the use of regression analysis and financial modeling; skilled in developing forecasting formulas using macro economic forecasts and then applying these to predict the corporation’s financial position for each of the next five years. AREAS OF EXPERTISE  Strategic Planning / Financial Analysis / Due Diligence  Risk Assessment / Management  Fiscal Control / Profitability  Regulatory Compliance / Reporting  Asset Liability Management  Treasury Management / Investments PROFESSIONAL EXPERIENCE FNB, INC. AND FIRST NATIONAL BANK OF DENNISON – DENNISON, OH 1985 - PRESENT CHIEF FINANCIAL OFFICER, TREASURER AND CHIEF INVESTMENT OFFICER Initially recruited as Assistant Vice President / Commercial Loan Officer but was quickly promoted due to exceptional work performance. Integrally involved in setting the Bank’s strategic direction and a strategic business partner to the executive team. Counsel senior management and Board of Directors on fiscal control and profitability; prepare, present and interpret financial reports to senior management; adhere to tax laws and regulatory compliance to properly reflect the financial position of the Companies. Manage Fixed Income Investment Portfolio. Financial Analysis , Forecasting and Budgeting. NOTABLE CONTRIBUTIONS  Collaborated in the development and implementation of plans for systems, processes and personnel necessary that has contributed to the growth of a single office into a holding company with 5 bank branches and a finance company.  Skillfully manage a $78 million investment portfolio.  Steadily increased earnings assets 89% from $17.8 million to $194.8 million through branch acquisitions, internal growth and asset redeployment; the elimination of correspondent relationships and the renegotiation of minimum balance requirements.  Lowered the effective tax rate from 34% to 25% by redeploying assets into non-taxable municipal bonds.  Successfully decreased the cost of liabilities from the 49th percentile to the 20th percentile while at the same time maintaining a 9% capital ratio. STATE OF OHIO, DEPT OF COMMERCE, DIVISION OF FINANCIAL INSTITUTIONS – COLUMBUS, OH 1979 -1985 BANK EXAMINER/AUDITOR Participated in Safety and Soundness audit examinations for State chartered banks including the evaluation of capital adequacy, asset quality, management and oversight of bank, earnings performance, liquidity, and sensitivity to market. EDUCATION & PROFESSIONAL DEVELOPMENT MASTER OF BUSINESS ADMINISTRATION Ashland University – Ashland, OH (3.85 GPA) BACHELOR OF BUSINESS ADMINISTRATION Kent State University – Kent, OH Graduated with honors (3.65 GPA) ADDITIONAL COURSEWORK – University of Wisconsin Graduate School of Banking

Accountant