BANKING FINANCIAL SERVICES

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1 BANKING FINANCIAL SERVICES The global economic climate, increased competition, growth of litigation and sweeping regulatory reform have created one of the most challenging markets in memory for financial services companies. To navigate these challenges, companies across the full spectrum of the financial services industry rely on Waller for counsel in regulatory matters, litigation, strategic acquisitions, financing and capital transactions, and day-to-day operations. Recognizing that banking and financial services clients require legal services from a variety of disciplines, Waller created a multidisciplinary industry team that addresses challenges from an industry perspective. Working together, the team of corporate, regulatory, finance, and restructuring attorneys, litigators, and tax advisors identifies issues and new developments relevant to the industry and develops a comprehensive response to the needs of clients. Clients benefiting from our full-service, team approach include: Broker-dealers Commercial and investment banks Credit unions Electronic payment and financial technology companies Bank holding companies Investment advisers Outside directors, institutional trustees and other fiduciaries in the financial services sector Securities firms Specialty lenders Trust companies Legal Services Corporate Finance & Restructuring Intellectual Property Litigation & Dispute Resolution Chambers USA reports that our Banking and Finance Group has won client praise for its excellent responsiveness and efficient work and that sources say: "This firm will go the extra mile to make sure the client is taken care of." "They're multi-talented in the various areas of the law that a bank would need - they've got it all." Client Survey The variety of services provided to the banking and financial services industry include: Regulation, Transactions and Finance Governance and board counseling Initial and follow-on stock offerings Mergers and acquisitions Regulatory compliance and enforcement Rights offerings SEC reporting and compliance TARP/CPP compliance Trust preferred offerings

2 Financial Services Litigation Commercial civil litigation, including class actions Fiduciary defense and ERISA litigation Internal and governmental investigations and examinations Probate, trust and estate litigation Securities fraud Shareholder derivative litigation Commercial Finance Asset-based loans Bond and public finance transactions Debt, securities, high yield notes and capital market offerings DIP financing Senior secured credit facilities Subordinated debt and mezzanine financing, including complex mezzanine structures with extensive subordination and intercreditor arrangements involving senior and subordinated debt components Corporate Restructuring and Bankruptcy Indenture trustee and bondholder representation in bond defaults Representation of distressed asset purchasers Representation of lenders in bankruptcy proceedings Secured lender representation in loan defaults and workouts Articles "The conflict over the CFPB and what it means for the future," Brian Malcom and Charles Prueter quoted in Birmingham Business Journal "BSA/AML Enforcement: Things Are Getting Personal," by Brian Malcom, Alabama Bankers Association Board Briefs July/August 2017 Newsletter "The Rise of Impact Investing in Trust Administration," by Aaron Flinn Birmingham banks could see ease in regulations, Brian Malcom quoted in Birmingham Business Journal [Subscriber Content] "Blockchain Technology and Applications for Healthcare" Kristen Johns on the Nashville Medical News blog Clouds on the horizon: Protecting your data from thieves, by

3 Steve Blumenthal, Nashville Business Journal Why Is the CFPB So Interested in Arbitration, by Michael Harmon and Larry Childs, American Banker Magazine, Oxford Health Plans v. Sutter "Say Goodbye to Small Loans," Chris Driskill, Mortgage Banking Magazine "What to Do When a Client Receives a Federal Grand Jury Subpoena," by William C. Athanas, The Alabama Lawyer "New Consumer Bureau Bears Watching," by Chris Driskill, Birmingham Business Journal "SIGTARP Scrutiny Goes Beyond TARP Matters," Bill Athanas and Chris Driskill, American Banker "CFPB's 'One Size Fits All' Regulation May Limit Transfer Services Offered by Depository Institutions," by Chris Driskill, ABA Bank Compliance Magazine BNA BANKING REPORT, "Bank Liability for Ponzi Schemes: Defending Negligence Suits by Non-Customer Victims" FINANCIER WORLDWIDE, "Bankruptcy Litigation Roundtable" BANKING LAW JOURNAL, "From One Big House to Another: Lessons Learned from the Community Bank Prosecutions" Bulletins Qualification of the Unqualified: SEC Approves PCAOB Rule Regarding Auditors Reports SEC Expands Confidential Draft Registration Submission Process to Companies of All Sizes Supreme Court Reverses Lower Court Decision on Structured Dismissal of Bankruptcy Case D.C. Circuit Declares CFPB Structure Unconstitutional, Wipes Out $109 Million Penalty Tennessee Legislature Approves Gradual Repeal of Tennessee Hall Income Tax New Tennessee Law Mandates Notification of Data Breaches Involving Encrypted Data Supreme Court Ruling Puts Inherited IRAs at Risk in Bankruptcy Proceedings Precedent-Setting Defeat of Americans with Disabilities Act Lawsuit Against Bank's ATM Operations Banking & Financial Services Update ATM Regulations under the ADA Replace Fee Disclosure Decals as the New Trend in Lawsuits Against Financial Institutions Banking & Financial Services Update - Vol. 14, Fall 2012 Banking & Financial Services Update - Vol. 13, Summer 2012 Trial Lawyers Target Debit Card Overdraft Fees

4 Banking and Financial Services Update, Vol. 12, Spring 2012 Banking and Financial Services Update, Vol. 11, Winter 2011 Banking and Financial Services Update, Vol. 10, Fall 2011 Banking and Financial Services Update, Vol. 9, Summer 2011 Banking and Financial Services Update, Vol. 8, Winter 2011 Banking and Financial Services Update, Vol. 7, Fall 2010 The Carrot and the Stick - The Department of Justice Offers Incentives When Financial Institutions Self Disclose Violations of Criminal Law, Enhanced Punishment When They Don't "Equal Credit Opportunity Act Lawsuit Against Bank Dismissed," Waller Financial Services Bulletin Media Mentions "The Man Shaking Up the CFPB," Richard Hills quoted in Bank Director "Meet Birmingham's Rising Stars of Law," Brian J. Malcom profiled in the Birmingham Business Journal "Feud upends development around Schlitterbahn on Padre Island," Eric Taube quoted in The San Antonio Express News "4 Key Takeaways From The DOJ's $4.7B FCA Haul" J.D. Thomas quoted in Law 360 Waller to handle work related to branding, financing and trademarking for Stanza Nashville "The changing tune of law," Larry Childs profiled in the Birmingham Business Journal "How Shelby wants to replace Dodd-Frank", Larry Childs quoted on Birmingham Business Journal "Bill would let businesses opt out of workers' compensation," Jeffery Parrish quoted in The Tennessean Providers keep borrowing while the borrowing s good, fearing higher rates, Robert L. Harris quoted in Modern Healthcare "MDSave raises $2M," Waller mentioned in The Nashville Post Evolve Bank & Trust adds Al Bright Jr. to its board of directors, Al Bright quoted in Memphis Business Journal "On Being PAM's Outside Counsel," Larry Childs profiled by Regions Bank "Attorneys: Tennessee Could Face Increase in ATM Accessibility Lawsuits," Derek Edwards quoted in the Nashville Post Larry Childs quoted by INSIDE COUNSEL, "Shareholders sue over exclusive-forum bylaws" Events Ryan Cochran joins Turnaround Management Association

5 Tennessee Chapter panel for "How Do You Know What is REALLY Going On? A practical guide for evaluating and advising distressed healthcare facilities" Turnaround Management Association Tennessee Chapter Event "de-risk: How Traditional Banks Are Teaming with Non-Bank Lenders" Richard Hills and Katie Roth speak at KraftCPAs' Bankers Brew on 2015 Legal and Regulatory Developments in the Banking Industry "Lessons Learned from Recent Municipal Defaults," Ryan Cochran, Gerald Mace, and Dave Lemke, Presenters, 2013 Regions Bank Corporate Trust University (Birmingham, AL) A Discussion on Recent ATM Lawsuits, Derek Edwards presenting to Tennessee Banker s Association Membership Conference Call The Nuts and Bolts of Healthcare Lending, Robert L. Harris, Presenter at 2013 Southeastern Banking Seminar The Policy and Political Ramifications of Canning vs. NLRB: "This Will Not Do" - Online Course presented by West LegalEdcenter "Survey of Municipal Bankruptcy Issues," Ryan Cochran, Presenter, Waller's 2012 Local Government Seminar (Nashvlle, TN) Financial Institution Fraud Detection & Prevention, "From One Big House to Another: Fraud Detection Lessons Learned from the Community Bank Prosecutions" 2011 Southeastern Banking Seminar 2010 Southeastern Banking Seminar 2009 Southeastern Banking Seminar 2008 Southeastern Banking Seminar Press Releases Waller Adds Prominent Team for M&A, Private Equity and Mezzanine Finance Waller Elects Nine New Partners Marc Adesso Joins Waller's Corporate Securities Practice Waller Adds Prominent Employment Attorney to Top-Ranked Tennessee Labor and Employment Practice 35 Waller Attorneys Recognized in Chambers USA Waller Goes on Board as Legal Sponsor for Newly Formed Tennessee Center for Family Business Waller Adds New Partner, Four Associates 32 Waller Attorneys Recognized in Chambers USA; Healthcare Practice Earns National Recognition Waller Elects Seven New Partners

6 Waller Announces New Leadership for its Financial Services Department 28 Waller Attorneys Recognized in Chambers USA Waller Adds 11 Attorneys, Expands Several Core Practice Groups Waller Names 11 New Partners Five Waller Attorneys Named 2014 Alabama Super Lawyers 32 Waller Attorneys Recognized in Chambers USA William Athanas and Rebecca Wright Pritchett Named 2014 Top Attorneys by Birmingham Magazine Waller Attorney Recognized as One Of Nashville's Top 30 Under 30 Twenty-Four Waller Lansden Attorneys Recognized as "Leaders in the Field" by Chambers USA