Matthew Cajda, Cfa Email & Phone Number

Marlton, New Jersey, Us

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CST Holdings (aka Intoxalock) and its family of brands has been making communities and roads in the United States safer for more than 30 years. CST provides consumers and monitoring authorities with products and services to effectively deter impaired driving and support individuals as they navigate the license restoration process. CST has helped millions of individuals to live and drive responsibly. By delivering exceptional customer experiences, CST has had industry leading customer, revenue and EBITDA growth for the past six years. Intoxalock is the #1 ignition interlock brand in the US, and along with its associated brands, operates in all 50 states while having the largest and most convenient service center network with over 5,000 locations. Breathe Easy Insurance Solutions offers SR-22 and non-standard insurance solutions to customers in 42 states. New Directions offers assessment services for alcohol abuse, substance abuse, and other mental health or behavioral issues across the US. CST Holding Company is a portfolio company of L Catterton (CT-based Private Equity firm with over $30B AUM).

New York, New York, Us

Product CFO of Co-Branded Credit Card portfolios and Finance Lead for Business Development (BD) initiatives such as co-brand partnerships, asset acquisitions / divestitures, joint ventures and strategic partnerships. Contributed to the identification of corporate strategic initiatives, including expected impacts on long-range business plan. Key responsibilities include:* Financial valuations, including pro forma forecasting and discounted cash/capital flow modeling* Deal structuring, including optimization of GAAP and tax impacts* Transaction negotiations in connection with financial terms and conditions* On-site financial due diligence* Coordination of valuation activities with external advisers, including consultants, investment bankers and accounting firms* Post-acquisition performance analysis* Assessment and recommendation on key strategic initiatives

New York, New York, Us

Support the financial analysis for business development initiatives such as co-brand partnerships, asset acquisitions, divestitures, joint ventures and strategic partnerships. Contribute to the identification of corporate strategic initiatives, including expected impacts on long-range business plan. Key responsibilities include:* Financial valuations, including pro forma forecasting and discounted cash/capital flow modeling* Deal structuring, including optimization of GAAP and tax impacts* Coordination of valuation activities with external advisers, including consultants, investment bankers and accounting firms* Post-acquisition performance analysis* Assessment and recommendation on key strategic initiatives

London, Gb

♦ Top 10 U.S. Credit Card with Entrepreneurial climate backed by Elite Global BankACHIEVEMENTS♦ Operate strategically across all financial disciplines and deliver operational support to CFO and financial executives by managing short & long-term financial planning forecasts under both IFRS and GAAP reporting standards, done 4x annually♦ Transform finance systems by coordinating with MIS team to form advanced automated planning process via Hyperion Essbase♦ Drive accelerated company scale concerning acquisitions and inorganic growth initiatives by collaborating with Corporate Development, Marketing Analytics & other business units RESPONSIBILITIES♦ Manage financial planning / forecast process across entire company ♦ Communicate results and forecasts with corporate and business executives♦ Create additional analysis for senior management, board of directors, regulators driving improved performance♦ Develop account & balance forecast by ingesting key inputs from business, analyzing historical & emerging trends combined with business insight♦ Forecast key revenue drivers to input into Corporate Forecast♦ Facilitate P&L build of both annual and strategic IFRS forecasts for Senior Management♦ Communication of P&L movements and support development of FDIC and FSA stress testing scenariosSELECTED SKILLS:✓ Financial Planning ✓ Financial Analysis ✓ Executive Leadership ✓ Strategic Investments ✓ Financial Modeling ✓ Budgeting & Auditing ✓ Financial Compliance & Due Diligence✓ Capital Investments ✓ Business Development ✓ Relationship Management ✓ Tax & Managerial Accounting ✓Operations Management ✓ Mergers & Acquisitions✓ Project Management ✓ Executive Management ✓ Investment Analysis ✓ Innovation ✓ Strategic Planning ✓ Strategic Leadership ✓ Payroll ✓ Financial Management✓ Corporate Finance & Treasury ✓ Risk Management ✓ Transaction Management ✓ Negotiations ✓ Corporate Strategy & Governance

Radnor, Pa, Us

ACHIEVEMENTS♦ Supported CFO & Treasurer and led capital initiatives ($335M equity & $750M debt raise and $2B bank credit line offering) to facilitate repayment of $950M of government (CPP/TARP) financing ♦ Modernized company’s $1 billion employee pension plan by establishing dynamic allocation process and broadening investment policy to include $50M hedge fund investments♦ Drove increase in dividend and share repurchase activity by executing capital and liquidity analysisRESPONSIBILITIES♦ Coordinated cross-functional Emerging Risks working group to assess global economic, market & industry trends that could generate business risks across enterprise ♦ Managed company’s credit analysis of commercial paper investments; managed, trained & coached high-potential staff♦ Co-managed creation and execution of Risk Self Assessment process to standardize identification, measurement & analysis of risks across company’s various business units♦ Created & coordinated (internally and with OTS) business plan for start-up banking operations♦ Managed financial analysis team, facilitated company-wide risk management workshops, co-managed $1B+ employee pension plan assets, balance sheet optimization & capital initiatives♦ Assistant Vice President for Lincoln's bank subsidiary: Assisted President with creating and executing bank strategy; led vendor negotiationsSELECTED SKILLS✓ Financial Planning ✓ Financial Analysis ✓ Executive Leadership ✓ Strategic Investments ✓ Financial Modeling ✓ Budgeting & Auditing ✓ Financial Compliance & Due Diligence✓ Capital Investments ✓ Business Development ✓ Relationship Management ✓ Tax & Managerial Accounting ✓Operations Management ✓ Mergers & Acquisitions✓ Project Management ✓ Executive Management ✓ Investment Analysis ✓ Innovation ✓ Strategic Planning ✓ Strategic Leadership ✓ Payroll ✓ Financial Management✓ Corporate Finance & Treasury ✓ Risk Management ✓ Transaction Management ✓ Negotiations ✓ Corporate Strategy & Governance

Radnor, Pa, Us

ACHIEVEMENTS♦ Divested UK life insurance & annuity business for £195M ($320M), investment firm for $425M in addition to analysis for $2.1B capital raise (debt, equity, & TARP) amidst global financial crisis♦ Led divestiture of life insurance shell corporation that freed up $3.5M of capital♦ Divested Media properties (TV, Radio stations & Sports Broadcasting business) for $775MRESPONSIBILITIES ♦ Managed $10M+ annual expense and budget for the Corporate Development department♦ Directed research & valuation modeling of M&A transactions for a variety of business units♦ Created Strategic Planning Template used by CEO & COO for annual analysis of business units♦ Led company-wide initiatives to provide CEO, CFO & Board with quarterly/weekly peer analysis♦ Analyzed potential defined contribution, asset management, bank and other financial-service investments, acquisitions, joint ventures & new business development opportunities COMPLETED TRANSACTIONS♦ $425MM divestiture of Delaware Investments (announced 2009), $320MM divestiture of UK life and annuity business (2009), $3.5MM shell corporation sale (2009), $10MM bank acquisition (2008)♦ Analyzed dozens of acquisitions & divestitures in financial services sectors (defined contribution, asset management, life insurance, annuities, banking) $10MM - $20B SELECTED SKILLS✓ Financial Planning ✓ Financial Analysis ✓ Executive Leadership ✓ Strategic Investments ✓ Financial Modeling ✓ Budgeting & Auditing ✓ Financial Compliance & Due Diligence✓ Capital Investments ✓ Business Development ✓ Relationship Management ✓ Tax & Managerial Accounting ✓Operations Management ✓ Mergers & Acquisitions✓ Project Management ✓ Executive Management ✓ Investment Analysis ✓ Innovation ✓ Strategic Planning ✓ Strategic Leadership ✓ Payroll ✓ Financial Management✓ Corporate Finance & Treasury ✓ Risk Management ✓ Transaction Management ✓ Negotiations ✓ Corporate Strategy & Governance

Radnor, Pa, Us

ACHIEVEMENTS♦ Analyzed hybrid Securities of competing investment bank and chose securities used in financing over $1B of $7.5B acquisition of Jefferson-Pilot Corporation♦ Researched corporate structure & tax issues to ensure tax-free merger of parent companies and to consolidate post-merger subsidiaries; achieved more than $180M in annual cost savingsRESPONSIBILITIES♦ Determined tax treatment of subsidiary’s investments in hybrid securities♦ Researched corporate structure and tax issues related to merger and integration♦ Calculated the currency gain/loss on repatriated earnings from UK subsidiaries for tax filingSELECTED SKILLS✓ Financial Planning ✓ Financial Analysis ✓ Executive Leadership ✓ Strategic Investments ✓ Financial Modeling ✓ Budgeting & Auditing ✓ Financial Compliance & Due Diligence✓ Capital Investments ✓ Business Development ✓ Relationship Management ✓ Tax & Managerial Accounting ✓Operations Management ✓ Mergers & Acquisitions✓ Project Management ✓ Executive Management ✓ Investment Analysis ✓ Innovation ✓ Strategic Planning ✓ Strategic Leadership ✓ Payroll ✓ Financial Management✓ Corporate Finance & Treasury ✓ Risk Management ✓ Transaction Management ✓ Negotiations ✓ Corporate Strategy & Governance

Radnor, Pa, Us

(3) year rotational program (across business units and geographies)3rd position: Tax Analyst II (LNC Corporate Headquarters) Philadelphia, PA2nd position: Reinsurance Finance & Accounting Analyst for Lincoln National Life Insurance Company (LNC's life insurance subsidiary) Fort Wayne, IN1st position: Institutional Investments Marketing Associate for Delaware Investments (LNC's investment management subsidiary) Philadelphia, PASELECTED SKILLS✓ Financial Planning ✓ Financial Analysis ✓ Executive Leadership ✓ Strategic Investments ✓ Financial Modeling ✓ Budgeting & Auditing ✓ Financial Compliance & Due Diligence✓ Capital Investments ✓ Business Development ✓ Relationship Management ✓ Tax & Managerial Accounting ✓Operations Management ✓ Mergers & Acquisitions✓ Project Management ✓ Executive Management ✓ Investment Analysis ✓ Innovation ✓ Strategic Planning ✓ Strategic Leadership ✓ Payroll ✓ Financial Management✓ Corporate Finance & Treasury ✓ Risk Management ✓ Transaction Management ✓ Negotiations ✓ Corporate Strategy & Governance

Radnor, Pa, Us

ACHIEVEMENTS♦ Created captive reinsurance companies to conduct life insurance redundant reserve securitizations: issued surplus notes to investors that were guaranteed for principal & interest by AAA-rated financial guarantor♦ Built analytic models to show financial impacts of creating affiliated on/off-shore entities; resulted in creation of reinsurance companies in Bermuda, South Carolina & Vermont♦ Evaluated strategies to ease burden of increased reserve requirements, including reinsurance & capital market solutions; decided securitization most cost-effective method to achieve risk transfer & return goals sought by CFO♦ Conducted financial and accounting reporting for corporate analysis of reinsurance unitSELECTED SKILLS✓ Financial Planning ✓ Financial Analysis ✓ Executive Leadership ✓ Strategic Investments ✓ Financial Modeling ✓ Budgeting & Auditing ✓ Financial Compliance & Due Diligence✓ Capital Investments ✓ Business Development ✓ Relationship Management ✓ Tax & Managerial Accounting ✓Operations Management ✓ Mergers & Acquisitions✓ Project Management ✓ Executive Management ✓ Investment Analysis ✓ Innovation ✓ Strategic Planning ✓ Strategic Leadership ✓ Payroll ✓ Financial Management✓ Corporate Finance & Treasury ✓ Risk Management ✓ Transaction Management ✓ Negotiations ✓ Corporate Strategy & Governance

Radnor, Pa, Us

ACCOMPLISHMENTS AND RESPONSIBILITIES♦ Reported investment product, strategy, team & firm data to 40+ consultants within tight deadlines♦ Trained (2) new employees for transition into institutional marketing department♦ Performed index comparisons between fixed income portfolios and their benchmarks for consultant sales presentations♦ Worked with portfolio managers and analysts to create marketing materials used by institutional marketing and client service personnelSELECTED SKILLS✓ Financial Planning ✓ Financial Analysis ✓ Executive Leadership ✓ Strategic Investments ✓ Financial Modeling ✓ Budgeting & Auditing ✓ Financial Compliance & Due Diligence✓ Capital Investments ✓ Business Development ✓ Relationship Management ✓ Tax & Managerial Accounting ✓Operations Management ✓ Mergers & Acquisitions✓ Project Management ✓ Executive Management ✓ Investment Analysis ✓ Innovation ✓ Strategic Planning ✓ Strategic Leadership ✓ Payroll ✓ Financial Management✓ Corporate Finance & Treasury ✓ Risk Management ✓ Transaction Management ✓ Negotiations ✓ Corporate Strategy & Governance

Master Of Business Administration (Mba), International Business And Strategic Management

Executive Education: Mergers & Acquisitions (M&A)

★ Chartered Financial Analyst (Cfa)

Bachelor Of Science (B.S.), Finance, Accounting, Investments