1. Confidential, Not for Distribution
Community Bank Playbook
Abiola “A.B” Kalejaiye
Chief Executive Officer
Big Leaf, Inc.
August 1, 2016
Bank Regulatory Compliance, Risk Management, FinancialAnalysis, Marketing Advisory & Consulting
www.bigleafinc.com

2. Confidential, Not for Distribution
Agenda
Content Page No.
1. Value Proposition 3
2. Industry Landscape 4
3. Our Approach 7
4. Why Big Leaf? 12

3. Confidential, Not for Distribution
OurValue Proposition
100% Bank Regulatory Compliant & Risk Managed
 Resolve #1 pain point for Community Banks: Regulatory Burden
 Customizable Enterprise Risk Management Framework/Methodology
 Free up Resources with our Data Integrity Management & Analytics Automation Services
 Keep Compliance Cost low and flexible with our Secure RegTech enabled Platform
Board & Sr.
Management Oversight
Internal Controls
Risk Monitoring & MIS
Policy, Procedures,
Limits
Lines of Business
CreditRisk
ReputationalRisk
Market&LiquidityRisk
Legal&ComplianceRisk
Operational&StrategicRisk
CapitalRisk

4. Confidential, Not for Distribution
231 247 238 238 309
403
569
785 775
1116
1680
1955
0
200
400
600
800
1000
1200
1400
1600
1800
2000
1960 1965 1970 1975 1980 1985 1990 1995 2000 2005 2010 2012
Number of Items per Call Report
The Current Landscape
Community Bank Industry Regulatory Burden
 Passage of Dodd-Frank Act (DFA) in
2010 - avalanche of bank regulations
and heightened regulatory supervision
and enforcements.
 5 years after DFA, approximately 30%
of 390 proposed rules required have
NOT been passed.
 A majority of community banks tend to
have just one compliance officer who
must understand and implement all
the new regulations.
“As battle-scarred survivors of a financial crisis
and deep recession, community bankers today
confront a frustratingly slow recovery, stiff
competition…and the responsibility of
complying with new and existing regulations.
Some observers have worried that these
obstacles— particularly complying with
regulations—may prove
insurmountable.” – Ben Bernanke
Source: American Bankers Assoc. An Avalanche ofRegulation, (2014, July16).

5. Confidential, Not for Distribution
The Current Landscape
Community Bank Industry Regulatory Burden – in Numbers
 A 2015 survey of 1K community
banks found that compliance costs
represented 22% of net income and
11% of personnel expenses (Source: ABA).
 ~4,300 Community Banks (Source: Call Report):
 $4.5B in total compliance cost in 2014
– up 21% over 5 years
 $3.3B in Personnel cost in 2014
– up 17.6% over 5 years Source: FRB & CSBS. Community Banking in the 21st Century, (2015, Sept. 30–Oct. 1).
$2,846 $2,843 $2,902 $2,956
$3,172
$3,314 $3,348
$3,706 $3,750
$3,889
$3,955
$4,228
$4,418
$4,493
$2,500
$3,000
$3,500
$4,000
$4,500
$5,000
2008 2009 2010 2011 2012 2013 2014
Community Banks Compliance Expense
(Total $M)
Personnel (Salary & Benefits) Total

6. Confidential, Not for Distribution
 #1: Data Processing
› $440M in 2014 --- 19%
 #2: Consulting & Advisory
› $378M in 2014 --- 82%
› 2020 projection: $687M
 Average Compliance Consulting Expense
(~4,300 CBs) (Source: Call Report):
› 2014: $88K
› 2020: $161K*
 Major consulting firms are not doing
Engagements below $50K
 Regional consulting firms are not
homebred, lack expertise, or lack
technology.
*Projected
Source: FRB & CSBS. Community Banking in the 21st Century, (2015, Sept. 30–Oct. 1).
$371 $376
$369
$378
$404
$422
$440
$114
$155
$176
$170 $165
$148
$128
$166 $168 $167
$176
$190 $193 $198
$208 $208
$275 $275
$296
$340
$378
$100
$150
$200
$250
$300
$350
$400
$450
2008 2009 2010 2011 2012 2013 2014
Community Banks Compliance Expense
(Total $M)
Data Processing Legal Fees & Expenses
Accounting & Auditing Consulting & Advisory
The Current Landscape
Community Bank Industry Regulatory Burden – in Numbers

7. Confidential, Not for Distribution
 Budget friendly yearly Retainer = 1000 hours
of consulting time per engagement.
 900 hours (approx.): Consultants work
virtually/offsite on agreed engagement(s).
 100 hours (approx.): onsite/face-time work,
Consultants draw on Retainer at hourly rate.
 Replenish your Retainer as needed.
Retain
Big Leaf
Access up to 1000
hours of Consulting
time
Save $$$ & Time
Get to 100%
Compliant
Reduce Compliance Costs
Our Approach

8. Confidential, Not for Distribution
Methodology – Seeing the Forest for theTrees
Missing
Affiliates
Inabilityto
Identify &
Monitor
Covered
Transactions
Breached
quantitative
limits
Unknown Entity
relationships
Inadequate
Collateral Joint Advertising
Purchaseof security
underwrittenby Affiliate
Unfavorable creditstandards. For
MemberBank in a Covered Transaction
ISSUES
Sect. 23B
Sect. 23A
RULE/
REG.
Attribution
Rule
Definitions
Control
Prohibited
Transactions
Foreign Banks
Market Term
Requirement
Prohibited
Advertising
Safe & Sound
Bank Practice
Covered
Transaction
Report
Affiliates
List
Misc.
Board
Exemptions
Operating
Subs
Valuation &
Timing
Collateral
Requirements
Quantitative
Limits
Low-Quality
Assets
FY-8
Reporting
TheAffiliate
Transactions
Tree
 Root (Issue): correctly spot
the issue(s)/gap(s).
 Stomp (Rule/Reg.): Identify
the applicable
rule(s)/regulation(s) from
Federal & State Regulators.
 Branches (Analysis):
perform a thorough analysis
of how a CB’s situation gives
rise to the issue(s) or gap(s)
& determine the root cause.
 Leafs (Action/Result):
Propose/implement
corrective action to
remediate the issue(s) and
resolve the root cause.
Our Approach
ANALYSIS
Low-Quality
AssetPurchase
Transactions
Benefit
Affiliate
Exemptions
Exemptions
Exemptions
Derivative
Transactions
Financial
Subs
Saving
Assoc.
Incorrect
Valuationor
timing
Call Report
Errors

9. Confidential, Not for Distribution
Our Approach
Get Regulatory Relief
 Objective: EnableCommunity Bank
Clients to be 100% Bank Regulatory
Compliant and Risk Managed
 Service Offerings
› Advisory
› Consulting
 Our Service Benefits:
› Tailored & Customized
› Automate Processes
› Free upTime & Resources
› Focus on Customers Generation
› Focus on Revenue Generation
› Measurable Cost Savings
› Trained &Trusted Professionals
› Highly Regarded Experts
Compliance Officer
• Compliance Program Review (CPR)
• Compliance Program Development (CPD)
• Compliance Impact Plan (CIP)
Risk Officer
• Enterprise Risk Governance (ERG)
• Enterprise Risk Assessment (ERA)
Finance Officer
• Call Report Consultation (CRC)
• Financial Analysis Reports (FAR)
Officers & Staff
• Examination Management Consultation
(EMC)
• Compliance & RiskTraining (C&RT)
• Regulatory Leaf Newsletter (RLN)

10. Confidential, Not for Distribution
Our Approach
Specialize, Collaborate, Enable
 Federal Reserve Bank Colleagues (Chicago,
Richmond, Washington, etc.)
 FDICColleagues (Chicago &Washington)
 OCC Colleagues
 State Regulatory Colleagues
 Banking IndustryColleagues
 Lawyers, CPAs,CFAs, MBAs, IT Professionals, etc.
 Commissioned Bank Examiners
Advantages Big Leaf Competitive Advantages
People
Network
 RegTech: Bank Regulatory Software (think “Turbo
Tax” for compliance professionals)
 Secure cloud-based collaboration platform for Bank
Compliance and Risk ManagementConsultants.
Technology

11. Confidential, Not for Distribution
2.0
1.0
0.5
Our Approach
Technology
 Big Leaf (Version 0.5 –Year 1)
› Primarily focused on building the consulting business with 3-5 “beta” business clients.
› Strategic/Technology Partner: SaaS Vendor
 #1 CRM, #1 Project Management, #1Task Management, #1 Project Collaboration
 Cloud Security Leader: Encryption of data at rest, Multi-factor authentication, & HTTPS
for all pages
 Big Leaf (Version 1.0 –Year 2 to 4)
› Build In-House: A secure cloud-based platform that enables our compliance and risk
management independent consultants to work and collaborate on projects virtually.
› Build In-House: Software that gathers, reads, categorizes, synthetizes, and topically
present bank regulations from the various federal and state banking regulators (think
“turbo-tax” for bank compliance and risk management professionals).
› Iterate the two technologies until near “perfect”.
 Big Leaf (Version 2.0 –Year 5)
› Combine both of the technologies and bring approx. 1000 potential Midwest
community banks clients onto the platform with our independent consultants
members (on demand).

12. Confidential, Not for Distribution
Why Big Leaf?
Comparative Advantage
Compliance
Services
Risk
Management
Services
Regulatory
Reporting/
Automation
Services
Community
Bank
Focused
Audit
Service
Regulatory
“Synthesizer”
Secure
Collaboration
Platform
Midwest
HQ*
Big Leaf Yes Yes Yes Yes No Yes Yes Yes
CompanyY Yes Yes No Yes Yes No No No
CompanyW Yes Yes No No Yes No No No
Company S No Yes Maybe Yes No No Yes No
Company B Yes No No Yes No No No No
Company P Yes Yes No No Yes No Yes No

13. Confidential, Not for Distribution
Why Big Leaf?
ManagementTeam
*Projected
 Abiola “A.B” Kalejaiye, Founder & Chief Executive Officer
› Chicago Fed Large Bank Regulator (Former)
 Specialty: Financial Analysis, Compliance, Compensation, & Governance
 Projects: CCAR, RRP, Basel IIOp Risk, Model Risk, BSA/AML, Call Reports
› Juris Doctor – DePaul College of Law
› BSc. Finance & Economics - Illinois State University
 [Redacted],VP Sales & PMP
 [Redacted],VPTechnology
 Advisory Board
› KeithTownsend (CTO Advisor – IT Infrastructure)
› Heather Adams (Employment Law – Daley Mohan Groble)
› [Redacted] CCO at $15 Billion Bank (Compliance Officer)
› [Redacted] Manager, IT Management Consultant (Big 4 Firm)

14. Confidential, Not for Distribution
Why Big Leaf?
Our History
 Launched: July, 2015
 Product Status:
› Regulation Software – Phase #1: Decision Tree
 Outline & Synthesize Regulations from Federal & State Agency
 Map Regs. to Community Bank’s product suite and processes
 Professional Consultants: 3
› Attorney, Financial Analyst & former Fed Regulator
› BSA/AML & Project Management Professional
› CPA/CFA/Model Risk Professional
 Customer Status:
› 1/2016:A $500 Million Community Bank – Compliance Review/Impact Service
 Strategic Partnership – Phase #1:
› [Redacted] – SaaS Collaboration & Project Management Platform
› The Bureau Chicago – Modern Co-working Office Space

15. Confidential, Not for Distribution
Why Big Leaf?
Summary
 Professional
 Competence & Integrity
 Technology & Service Customization
 Cost Savings
 Real (Measureable) Results

16. Confidential, Not for Distribution
Q & A
Thank you!