Capital Market Consultant Biographies

President and Chief Executive Officer

Gary J. Young

President and Chief Executive Officer

Gary J. Young is Chief Executive Officer of Young & Associates, Inc. In his 50 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.

President – Capital Market Securities, Inc.

Stephen Clinton

President – Capital Market Securities, Inc.

Steve Clinton has over 30 years of experience in the banking sector and serves as the lead consultant in our capital markets activities. Steve’s experience in the capital markets area expands and enhances Young & Associates, Inc.’s ability to consult and advise our clients in many areas, including market analysis and valuations, strategic and capital planning, and merger and acquisition activity. In addition to his investment banking and consulting activities, Steve also participates in various seminar presentations and contributes regularly to our corporate newsletters.

An investment banker who previously served as a principal with a full-service brokerage firm, Steve served as the Midwest representative for the firm’s financial institutions practice. Steve also served as president of an investment banking firm working primarily with financial institutions in the areas of capital planning, equity offerings, valuations, mergers, and acquisitions. Steve has also worked for several Midwest financial institutions in his career and has served as CEO, COO and CFO.

Senior Consultant

Martina S. Dowidchuk

Senior Consultant

Martina S. Dowidchuk manages a wide range of financial management and planning assignments for Young & Associates, Inc.’s clients. Her areas of expertise include bank expansion and financial forecasting, feasibility studies, asset liability management and risk modeling, stress testing, performance analyses, and stock valuations. She also assists clients in the regulatory application processes involving de novo bank charters, mergers and acquisitions, new branch openings, and other strategic initiatives. Martina has over 15 years of experience serving financial institutions and has developed a number of financial models, policies, and other tools for banks and credit unions. Prior to joining Young & Associates, Inc., Martina worked for the Slovak Business and Banking Advisory Center and The Recovery Group, Inc. where she participated in a number of management consulting assignments throughout Central and Western Europe. Martina holds an MBA degree in Finance from Kent State University and a Master’s degree in Corporate Management from the University of Economics in Bratislava, Slovakia.