Senior Financial and Accountant Expertise

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Professional and Career Summary

Vizant Technologies, LLC Philadelphia, PA / Charlotte, NC 2010 to 2017 Yorktown Associates, LLC Spokane, WA 2017 to Present

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Founder and Chief Financial Officer: Yorktown Associates, LLC is a professional services firm that provided fractional Controller and Chief Financial Officer services to small and middle market businesses. We work side by side with management and stakeholders to provide hands-on accounting, financial and tax services.

Yorktown has worked with over one hundred (100) Clients to deliver its innovative Controller and CFO professional services

Our services are concentrated in the areas of accounting, financial planning, cash flow management, software implementation, board and management interaction, capital raising and balance sheet crises management.

Yorktown often works with financially and operationally challenged organization, acting as a GPS in navigating through tactical and strategic business and market challenges

Guided and directed the sale of the Company to a regional professional services firm in early 2020 Chief Executive Officer: Vizant Technologies is a private equity owned financial services, fintech and payments technology company delivering SAAS solutions, technical advisory services and thought leadership to Fortune 1000 corporations and middle market businesses.

Vizant focuses on improving financial efficiencies and reducing the structural costs in the key functional areas of business and consumer payments, treasury operations and financial operations. Vizant delivers and implements actionable, real world solutions and technologies that maximize the financial efficiencies.

Recruited and joined the company in early 2010, during a time when the business was in a rapidly deteriorating financial condition. The organization was undergoing many pressure points: including, but not limited to: a decaying balance sheet, major revenue declines, senior and mezzanine creditor pressures, a compromised business model, senior management issues, marketing problems, technology flaws and employee morale challenges.

Stabilized, restructured and enhanced the Company’s balance sheet, raising senior debt, mezzanine debt, preferred stock and common equity financing

Delivered consistent and strong annual EBITDA growth from 2010 through 2017any went from a negative

EBITDA contribution rate in 2009 to a double-digit contribution margin in 2016

Infrastructure Builder

Mergers & Acquisitions

Private Equity Executive

Strategic and Tactical

Debt and Equity Capital

Shrewd Negotiator

Stakeholder Driven

Growth/EBITDA Centric

Business Expertise Personal Style

Financial Know-How

Modeling and Forecasting

Financial Statement Prep.

Budgeting and Planning

KPI and Metric Builder

Advanced Excel User

Working Capital Expertise

External Reporting

Board Presentations

Joseph N Bizzarro 610-***-**** ******.********@*****.*** Spokane, WA Industry & Technical

SAAS & FinTech

Retail and Consumer

Distribution & Wholesale

Healthcare & Medical

NetSuite/Sage/Great Pls

ZoHo/Quickbooks/Wave

Inventory Management

Published Articles

Excellent Communicator

Lead by Example

Hands-on Style/Approach

Team Builder

Down to Earth Persona

Thought Leader

Practical Problem Solver

Entrepreneurial Core

2 Page

Brandywine Valley Partners, LLC Philadelphia, PA 2008 to 2010

Built and managed multiple departments and functions at the company, including billing and accounts receivable, accounting, ERP system implementation, purchasing, finance, human resources, payroll, accounts payable, customer software development, information technology and systems, facilities, legal, customer analytics and reporting

Revamped and overhauled the company’s core professional services offerings, transitioning it from a single service offering to a multi-faceted and complex array of payment and treasury services

Developed and implemented key performance indicators (KPI’s) and metrics across all functional areas of the business

Innate ability to ‘get the best’ out of people by building trust, mutual respect and affirmation by co-workers

Created recurring revenue streams by deploying a three-year customer contract model, resulting in sustained revenue flow, new revenue sources and customer stickiness

Directed the development and implementation of proprietary and industry leading software applications to collect, analyze, dissect, data mine and enhance the company’s data and analytics in payments and treasury

Delivered double digit annual revenue growth during my tenure, increasing organic annual revenues from $4mm to $65mm, for a CAGR of 49%

Engaged with and developed extensive client relationships…secured contracts with multiple Fortune 1,000 and well- known Companies, including: Humana, LabCorp, Amtrak, Express Scripts, CIGNA, Cox, Avis, KinderCare, VWR, Quest Diagnostics, Madison Square Garden, MIT, United Rentals, YRC, and many other national and middle market enterprises

Transformed the company’s typical customer profile from small non-profit clients and moved it up-market: to the upper tier of the middle market and Fortune 1000 clients

Realigned the company into a national leadership role, as a payments and treasury operations expert

Accomplished a market re-positioning and re-emergence of the Company: PE Systems to Vizant

Invited, participated in and ultimately became a member of the Federal Reserve Payments Task Force, focused on moving business and consumer payments to a more efficient and real time payment system

Increased the Company’s AARC (avg. revenue by Customer: from $5,000 in 2009 to $150,000 in 2016

Recruited, developed and directed an entirely new leadership team for the Company, including: Senior VP of Sales, Chief Operating Officer, Chief Technology Officer, VP of Human Resources, Chief Marketing Officer and others Chief Financial Officer

Brandywine Valley Partners was a niche CFO and business advisory firm, with a specialty in advising and assisting senior executives and stakeholders in the restructuring, reengineering and repositioning of their businesses. The firm works side by side with its’ stakeholders, as an active business operator and participant. Our mission is to create and implement business strategies and tactics that are more than just theory…they are both actionable and practical.

Founding member of this Firm. Recruited three (3) other senior executives to join me as partners and ‘on the ground’ operating executives.

Managed, directed and guided this Firm from (4) employees to a professional staff of twenty (20)

Brandywine’s sweet spot for clients was middle market enterprises, across multiple business and consumer service sectors, including financial services, fintech and business payment companies

We established ourselves as a business partner and strategic expert, garnering a stellar reputation in the private equity and investment community. We were generally engaged by these stakeholders for their portfolio companies

Our executives and senior partners often served as interim business executives and managers for our clients, ranging from Acting Chief Executive Officer (CEO) to temporary and interim stints as CFO’s and COO’s

Our thought leadership, expertise and practice areas included many business functions, including sales strategies, sales planning, customer acquisition, marketing, digital branding, crisis management, balance sheet restructuring, financial reengineering, technology overhauls, human resources and financial reporting Joseph N Bizzarro 610-***-**** ******.********@*****.*** Spokane, WA 3 Page

Hallmark Cards, Inc Kansas City, MO / Philadelphia, PA 2005 to 2008 Arthur Andersen & Co Philadelphia, PA 1996 to 2005 Professional, Military, Educational and Personal

Chief Financial Officer - Divisional

Hallmark Cards is a quintessential American company with an identifiable national brand, with over 3,000+ stores across the USA. Hallmark, founded by the Hall Family, remains a privately held multi-billion-dollar business, with holdings in television, media and many other consumer products, including the Crayola Crayon brand. The retail stores are generally not operated by Hallmark, but by individual owners across the country.

Joined the Company (Matthews Inc, a former AA Client) at a time when revenues were less than $15 million

Developed an expansion plan and executed on an accelerated growth strategy, resulting in multiple years of double-digit revenue growth and EBITDA contribution dollar and rate growth

Executed a growth plan that was an extremely successful combination of organic growth, new product lines, store expansions and acquisitions of other operators

Increased total net store count from 20 stores to 150 stores during my five (5) year tenure, with stores operating in 11 states, across the mid-Atlantic and New England marketplaces Manager, Senior Auditor

Arthur & Andersen (“AA”) was one of the largest public accounting and auditing firms in the world, with over 85,000 employees. AA was one of the “Big 5” accounting firms and was considered the gold standard and most prestigious of the accounting firms. The infamous Enron Company accounting scandal in 2001 led to the demise of the Firm.

Recruited and joined the Firm in the Philadelphia Office, as a Staff Accountant and Auditor

Promoted to Senior Accountant and then to Audit Manager during my time with the Firm

As Audit Manager, I joined the AA entrepreneurial services audit group, which was unique within the ‘Big 5”

Served Clients in many Industries during my time with the firm, including: retail, distribution, manufacturing, medical/healthcare and financial services

CPA – State of Pennsylvania

MBA - Finance, Temple U. History and Civil War Memorabilia Collector

BBA - Accounting and Economics, Temple U. Youth Sports Coach

Ongoing Professional Education Voracious Reader

United States Marine Corps: 1990 to 1996 Commissioned Officer Joseph N Bizzarro 610-***-**** ******.********@*****.*** Spokane, WA

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