Services forFINANCIAL INSTITUTIONS

EXPERIENCE

We’ve served financial institutions of all sizes in Alabama, Kentucky, Louisiana, Georgia, Mississippi, South Carolina, Tennessee, Arkansas and Virginia.

PASSION

Our team is passionate about providing you with high-quality services and proactive advice. Our professionals teach and publish on industry topics and stay up-to-date on issues impacting the industry.

KNOWLEDGE

Our financial institutions team holds 18 relevant certifications and receives annual training on financial institutions topics.

We have the bases covered.

OUR PHILOSOPHYFinancial institutions understand the importance of relationships and the benefits of

working with people who share your values and understand your industry — people who can become part of your team. At KraftCPAs, we value the relationships we have

with our financial institution clients. We appreciate the trust and confidence they have

in our firm, and we consider it a privilege to work with them to achieve their goals.

FINANCIAL INSTITUTIONS TEAM

For five decades, we’ve had professionals who are dedicated to meeting the needs of financial institutions. Many of our team members work exclusively with financial institutions, and it shows in the quality of their work, their knowledge of the industry, their proactive approach to client service, and their creative approach to problem solving.

Our financial institutions team professionals must demonstrate an understanding of the industry and a commitment to staying on top of the legislation and regulations affecting our financial institution clients. They receive specialized continuing education on financial industry topics each year and possess a high sense of urgency and responsiveness to client needs.

We have provided high-quality services to banks and other financial institutions in Tennessee, Kentucky, Alabama, Louisiana, Georgia, Mississippi, South Carolina, Arkansas and Virginia. Our bank clients range from start-ups to publicly traded companies so we have a wide range of experience to put to work for you.

Credentials

www.kraftcpas.com

» Certified Public Accountant (CPA) » Certified Financial Services Auditor® (CFSA®) » Certified Information Systems Auditor (CISA) » Certified Information Security Manager (CISM) » Certified Information Technology Professional (CITP) » Certified in Risk and Information Systems Control (CRISC) » Certified Regulatory Compliance Manager (CRCM) » Certified Anti-Money Laundering Specialist (CAMS) » Certified Community Bank Compliance Officer (CCBCO) » Certified in Risk Management Assurance® (CRMA®) » Chartered Global Management Accountant (CGMA) » Certified Quality Analyst (CQA) » Certified Internal Auditor® (CIA®) » Certified in Financial Forensics (CFF) » Certified Valuation Analyst (CVA) » Certified Licensing Professional (CLP) » Certified Fraud Examiner (CFE) » Master Analyst of Financial Forensics (MAFF)

SERVICES OFFERED

» External audit » Internal audit » Compliance reviews » Sarbanes-Oxley documentation & testing » Tax planning & compliance » Start-up assistance & filings » Help with regulatory issues » Loan reviews & grading systems » Employee benefit plan audits » Goodwill & core deposit studies » Interest rate risk assessments » Outsourced accounting » Merger/acquisition assistance » Valuations » Forensic accounting

Financial Services www.kraftcpas.com/banking.htm

Risk Assurance & Advisory Services www.kraftcpas.com/risk_advisory.php

» Network & cyber security » Internal audit » IT audit » Service organization control (SOC) report » SOX compliance » ATM audit » PCI compliance » FFIEC audit

Our affiliate, KraftCPAs Turnaround & Restructuring Group, PLLC, has provided financial institutions with the following services:

Single Borrower Credit Services » Review & advise on existing recovery plans » Develop recovery plans » Provide situational advice » Estimate potential recovery & reserve

Portfolio Management Services » Identify weaknesses in staffing, structure & organization dynamics » Develop changes to improve early identification of problem credits

Portfolio Review Services » Review special assets for appropriate plans of action & recovery estimates » Review all credits for unidentified watch list & special assets loans » Review effectiveness of credit rating systems & special assets management

Technology Services www.kraftgrp.com

Our affiliate, Kraft Technology Group, LLC, has assisted financial institutions with technology services, including:

» Network design, installation & management » End-user technical support » Remote access solutions

“KraftCPAs is part of our extended family. Their expertise, guidance and commitment to service are indispensable. It is without reservation that we recommend their service.”

Gordon Majors, PresidentThe Hardin County Bank

“KraftCPAs provided a variety of professional services for Avenue Bank since our founding in 2007.

I was confident that Kraft would be a partner our company could count on to provide everything from start-up assistance to external audit, IT audit and internal audit.

They were able to grow with us and meet our changing needs. Kraft’s reputation is built on almost 60 years of technical expertise, quality service and integrity.

I know they are committed to their clients and to our community, and I am happy to recommend them.”

Ron Samuels, Vice Chairman, Pinnacle Financial PartnersFormer Chairman & CEO, Avenue Bank - Nashville, TN

What our clients are saying . . .

Outsourced Special Assets Services www.kraftcpas.com/turnaround.htm

© 2017 Copyright KraftCPAs PLLC

www.kraftcpas.com

555 Great Circle Rd.Nashville, TN 37228615-242-7351

The Kraft Advantage

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Beverly HornerMember, Assurance ServicesFinancial Institutions Industry Teambhorner@kraftcpas.com931-388-3711

Financial Institutions Industry Team

Founded in 1958, KraftCPAs is one of Tennessee’s largest independent CPA and consulting firms. We have a total staff of more than 190, including seven affiliated companies providing a wide range of compliance and consulting services.

KraftCPAs was selected as one of The 10 Most DependableTM Accounting Firms in the Southeast, a list published in FORTUNE magazine and based on research by Goldline Research.

KraftCPAs submits to an external peer review every three years to ensure compliance with the highest standards of technical accuracy and ethical practice in the CPA profession. The firm has consistently received a “pass” report — the most favorable result possible.

Committed to the industry we serve, KraftCPAs is an Associate Member of the Tennessee Bankers Association and the Kentucky Bankers Association.

About KraftCPAsMichael DavisMember, Assurance ServicesFinancial Institutions Industry Teammdavis@kraftcpas.com615-346-2487

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Gina PruittMember-in-ChargeRisk Assurance & Advisory Servicesgpruitt@kraftcpas.com615-782-4207

Risk Assurance & Advisory Services

Put the KraftCPAs team to work for your

financial institution.