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| Jim Kleinfelter is President of Young & Associates, Inc., and Senior Consultant. As a consultant, he assists financial institutions primarily in the areas of management structure, strategic planning, and loan review. He is a former community bank executive and former senior lender with over 30 years of experience. Prior to joining Young & Associates, Inc., Jim worked in branch, compliance, credit card, CRA, lending, and executive management. He spent time with the former Society National Bank of Northwest Ohio, and Bank One Wooster. Most recently, served over 17 years of service with The Savings Bank and Trust (formerly known as The Orrville Savings Bank). He has developed many new lending and deposit products, and was instrumental in developing The Savings Bank and Trust’s online banking. Jim is a graduate of Bowling Green State University and numerous banking schools. He has been an instructor for the American Institute of Banking (AIB), and the Community Bankers Association of Illinois and a member of RMA for many years.
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| Gary J. Young is Chief Executive Officer of Young & Associates, Inc. In his 30 years in bank consulting and 42 years in the banking industry, he has assisted hundreds of community banks from coast-to-coast with improving shareholder value and profit, establishing effective strategic plans, assisting banks through regulatory concerns, as well as budgeting, asset/liability management, expansion planning, and mergers and acquisitions. He remains a student of the industry and is a popular speaker with bankers for his practical and valuable insight. He has conducted seminars throughout the United States and in Europe.
| Gary participated in the purchase of the National Bank of St. Anne, and is a member of that bank’s board of directors. In addition, he was the co-founder of Capital Market Securities, Inc., which assists community banks with mergers and acquisitions, and manages a bank investment fund.
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