Mark Duhamel, Cfa Email & Phone Number

Avon Lake, Ohio, United States

Consultant to the corporate treasury group at Sandy Spring Bank

Olney, Maryland

Provides leadership related to balance sheet management, loan and deposit pricing, and investment and funding strategies.

Columbus, Ohio

Hired as the Corporate Treasurer following Huntington’s successful acquisition of FirstMerit Corporation- Drove financial results while maintaining disciplined risk management- Made significant improvements to the corporate treasury function particularly in the areas of balance sheet management and liquidity management Balance Sheet Management ('BSM")- Significantly improved BSM by changing the focusing of ALCO from a compliance function to optimizing revenue within risk tolerances- Increased treasury revenues significantly in the first year while increasing regulatory capital ratios - Hedged balance sheet risk with a $17 billion derivative portfolio as rates fell in 2019- Significantly improved risk models, risk analysis, and reporting - Worked effectively with the second line - Worked collaboratively with Model Risk Management to validate 50+ ALCO modelsDebt Capital Markets- Managed a $10 billion debt portfolio- Successfully advocated and achieved a rating agency upgrade that lowered debt spreads and debt costs- Increased debt investor relations marketing efforts- Decreased debt spreads from levels higher than peers to levels lower than peersInvestment Portfolio Management - $5bn+ portfolio restructuring following the FirstMerit acquisition- Restructured the portfolio to increase earnings and significantly reduce Risk Weighted Asset (RWA) - Built portfolio management practicesLiquidity Management- Significantly improved the analysis, management, and reporting of liquidity- Increased contingent liquidity by 100% by maximizing FHLB advance capacity- Implemented Liquidity Coverage Ratio (“LCR”) analysis- Successfully integrated wholesale funding with customer pricing programs- Enhanced the Contingency Funding Plan- Implemented leading practices to drive lower regulatory riskOther - $2.5bn BOLI portfolio- Libor Transition Steering Committee- Hedged mortgage servicing rights

Responsible for SEC / regulatory / management accounting and all internal and external financial reporting - Improved the quarterly accounting close process and preparation for earnings conference calls; reformatted and enhanced the earnings press release and earnings supplement materials to provide greater transparency and information content - Managed the accounting and finance departments to provide value and leadership to the company’s operating units - Ensured the proper control environment existed for financial reporting (SOX) Corporate strategy officer - Led the annual board strategy retreat – redeveloped and refined the corporate strategy for the annual board strategy retreat - Created concise board strategy document outlining the company’s key strategies and initiatives over the next 3 years - Changed the strategy board retreat format to enhance director engagement and discussionManaged the annual budget - Changed the budget process in the fall of 2015 to increase effectiveness and completed the budget 2 months earlier than the prior yearProfit management - Established a comprehensive customer profitability system which aggregated customer profitability to a banker hierarchy - Created a best-in-class risk-based commercial relationship pricing model - Managed company-wide revenue and expense initiatives

Akron, Ohio

Corporate treasurer - Created a centralized treasury function, which resolved all regulatory and internal audit issues - created best-in-class risk management practice which for over 10 years was rated the highest level by regulators - Established extensive capital planning process and led Dodd Frank Act Stress Testing (“DFAST”) for the bank and corporation - Managed a $6.6 billion fixed income investment portfolio to achieve balance sheet sensitivity goals and to ensure balance sheet liquidity - Managed $600 million bank-owned life insurance program (“BOLI”) - Implemented match-maturity funds transfer pricing to support business line profitability reporting/implemented shareholder value added economic capital allocation program for ranking business line returns - Reduced risk profile of the balance sheet - sold $621 million of manufactured housing loans / hedged mortgage servicing rights / executed over $1 billion of mortgage loan securitizations - Corporate finance activities: issued equity (follow-on and at-the-money), issued perpetual preferred stock, issued sub debt, called outstanding trust preferred securities, managed equity share buy-back programsCorporate development officer - Established corporate mergers and acquisition (“M&A”) strategy and reported to the board regularly on M&A activities and opportunities - Evaluated 100+ FDIC resolution acquisition candidates - Provided leadership for all corporate merger and acquisition activities - Managed investment banking relationships - M&A outreach - called on smaller company CEOsManaged investor relations, corporate communications and internal communications - Built the investor relations function and developed the investment thesis and rationale - Met with approximately 140 investors each year to drive interest in the stock and the company - Implemented targeted marketing analysis to call on underweight investors - Established internal communications department

Cincinnati

Elected director of the $100bn Cincinnati FHLB bankAudit Committee ChairmanMember of the Financial and Risk Management CommitteeMember of the Governance CommitteeSpecific dates are: January 2009 to December 2015 and January 2018 to July 2019

Manchester, New Hampshire

Managed interest rate risk and liquidity risk for Bank of Ireland’s principal U.S. subsidiaryConsolidated the ALCO function in ten subsidiary banks to the holding companyDirector of the corporate budget 1989-1991Managed corporate cost accounting program and holding company chargeback allocationsDesigned the general ledger financial information system (architecture) for regional and business line reporting Investment portfolio strategist and directed the analysis and reporting of the investment portfolio’s risk and performance

Master Of Business Administration (Mba), Finance

Bachelor Of Science (B.S.), Physiology