Chief Financial Officer, Executive Vice President - Finance, Controlle

David W. Gifford CPA

***** ***** ****, *******, **** 44065 440-***-**** (Home), 440-***-****

(Mobile) ( *********@*******.***

Chief Financial Officer, Executive Vice President, Corporate Vice President

Financial Executive with progressively responsible leadership roles

providing strategic direction, comprehensive financial planning and

expertise in locating and maintaining liquidity and funding sources. A

seasoned manager with a record of success motivating, developing and

managing financial personnel as well as managing improvements in systems

through times of change.

CAREER HIGHLIGHTS

. Chief Financial Officer of publicly traded companies (2)

. Initial Public Offerings (2)

. Public debt and supplemental common stock offerings (4)

. Acquisitions with company acquiring another company (5)

. Acquisitions with company being acquired (3)

. Core conversions (2) and conversions of general ledger, fixed assets,

accounts payable and investment accounting software

. Restatements (2)

. Experience with numerous major changes in accounting principles

including Deferred Fees and Costs, Income Taxes, MSR and Mortgage

Banking, Troubled Debt Restructuring, SOX 404 and two major changes in

regulatory reporting

. Certified Public Accountant since 1976

PROFESSIONAL EXPERIENCE

FIRST PLACE FINANCIAL CORP. - Chief Financial Officer

2008-2014

FIRST PLACE BANK - Executive Vice President - Finance

Responsible for all aspects of Accounting and Finance including SEC,

Regulatory, Investor and Board reporting and presentations. Supervised

budgeting, cost accounting, taxes and policy preparation. Supervised four

direct reports and managed a total staff of twenty-four.

. Managed all accounting aspects of a Credit-related Restatement

covering three years of restatement and two years of delinquent

filings

. Managed financial due diligence and all accountings issues related to

two whole bank acquisitions

. Responsible for all Board and Investor Presentations along with

Financial Presentations at Annual Shareholder Meetings. Revised and

improved upon historic presentations.

. Served as financial management representative on ALCO and Audit

Committees including responsibility for keeping policies up to date.

. Chairperson of SOX Disclosure Committee

FIRST PLACE BANK 2004-

2008

Corporate Vice President - Finance (2004-2008)

Responsible for preparation of Annual Report and periodic SEC reports.

Primary internal resource for new accounting issues, taxes and mortgage

banking reporting. Responsible for managing pledging and safekeeping of

investments along with proposals to purchase or sell specific securities.

Responsible for managing budget process.

. Involved in all aspects of 2006 Northern Savings Acquisition including

due diligence, determining purchase accounting valuations, purchase

accounting entries and summarization of acquisition accounting

. Led process to upgrade mortgage banking accounting including

improvement of initial and subsequent valuation of loan servicing

rights

. Automated purchase accounting for loans acquired in whole bank

acquisitions.

DAVID W. GIFFORD CPA

2003 to 2004

Performed consulting engagements directly and through other firms for

financial institutions.

Companies served and areas of service include

. KeyCorp - Regulatory Reporting

. First Place Financial Corp. - SEC Reporting, Regulatory Reporting,

Budgeting, Research of Accounting Principles and Annual

Report Preparation

METROPOLITAN BANK AND TRUST COMPANY

1996 to 2003

Vice President - Treasurer (2001-2003)

Managed investment, borrowing, wholesale deposit, tax, insurance and short-

term cash functions. Supervised staff of three.

. Performed valuation and analysis of sales strategies for major asset

groups including servicing rights, office building, branch sites and

classified loans and investments.

. Led accounting disclosure work for a combined Stock Rights and Public

Offering.

. Worked with retail personnel to double the size of Public Funds

deposits portfolio.

. Prepared and revised ALCO, Liquidity and Wire Transfer Policies.

Vice President - Finance (1997-2001)

Managed internal reporting, SEC reporting, external reporting, tax,

investor accounting and cost accounting functions. Directly supervised

three department managers.

. Managed the accounting function through a bank-wide conversion to a

new service bureau and from real time processing to a proof of deposit

system.

. Managed conversions of general ledger, accounts payable and fixed

assets.

. Managed the accounting and disclosure of aspects of a Trust Preferred

Offering and a combined Stock and Trust Preferred Offering.

. Accounting liaison for two multifamily and one commercial real estate

securitizations.

. Supervised the establishment of spreadsheet based departmental

profitability model and the departmentalization of the budgeting

function.

Controller (1996-1997)

Managed the reconciliation and closing functions along with responsibility

for internal and SEC reporting.

. Prepared accounting disclosures for an Initial Public Offering of

stock.

Financial Reporting Specialist (1996)

Prepared SEC reports and operated interest rate risk model.

REPUBLIC SAVINGS BANK

1984-1995

Formerly Horizon Savings Bank

Vice President - Treasurer, Chief Financial Officer (1992-1995)

Managed treasury, accounting, tax and loan service function. Supervised a

staff of ten through two departmental managers.

. Supervised financial report preparation and made presentations to

Board of Directors monthly.

. Reduced accounting staff by 20% while reducing the closing process

from 10 to 4 days through automation and elimination of external

reporting.

. Designed an investment proposal to sell the majority of Held to

Maturity securities and reinvest in higher yielding adjustable rate

instruments resulting in a reduction of interest rate risk and gain in

excess of $1 million corporate-wide.

Vice President - Controller (1984-1992)

Managed external, internal tax and regulatory reporting for savings bank,

seven affiliates and three benefit plans. Supervised staff of seven

through an accounting manager.

. Automated accounts payable, fixed assets, consolidation and financial

statement preparation and converted all manual records to

spreadsheets.

. Prepared financial data necessary to complete conversion from mutual

to stock and support Initial Public Offering of stock.

CUYAHOGA SAVINGS ASSOCIATION

1977-1984

Controller and Treasurer (1982-1984)

Internal Auditor (1977-1982)

ARTHUR ANDERSEN & CO.

1973-1977

Senior Staff Accountant (1976-1977)

Staff Accountant (1973-1976)

TEACHING EXPERIENCE

KENT STATE UNIVERSITY

1977-1982

Adjunct Accounting Instructor

Served as an accounting instructor as needed for cost and general

accounting.

EDUCATION

Ohio State University, BSBA, Accounting Major - 1974

Honors Accounting Program

Beta Alpha Psi Accounting Honorary

PROFESSIONAL AND COMMUNITY INVOLVEMENT

Certified Public Accountant

Chartered Global Management Accountant

Ohio Society of Certified Public Accountants

American Institute of Certified Public Accountants

Newbury Local Schools - Elected School Board Member

Newbury Joint Recreational Board - Secretary, Treasurer, Youth Athletics

Chairperson, Football Coach and Baseball and Softball Umpire

Newbury United Community Church - Moderator, Vice Moderator, Treasurer,

Financial Secretary, Member of Diaconate, Social Action, Christian

Education, Missions, and Nominating committees

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