2008 Bank Tax Chairman: GLENN N. EICHEN

Glenn N. Eichen is Senior Vice President, Director of Federal Taxation at Countrywide. (Formerly Senior Vice President for Fleet Boston Financial in Providence, Rhode Island). Previously, he was Manager of Domestic Tax Research and Planning for the First National Bank of Chicago. Prior to that, Mr. Eichen was a Principal with Arthur Young and Company in their National Tax Group in Washington, D.C. He received his JD degree from George Washington University, his MBA from the Wharton School, and his BA degree from Amherst College. Mr. Eichen has been an author of articles on this subject, including Mark-to-Market Regulations Provide Preliminary Guidance on Complying with Section 475, Levy and Eichen, Journal of Bank Taxation, (Summer 1994); Elwood, Eichen, and Brzezenski, Many Questions Remain on Applying Mark-to-Market Rules to Affiliated Groups, Journal of Taxation, (March 1995).

DAVID I. BERMAN is a Tax Partner at Ernst & Young LLP in New York City.  He has 19 years of experience in the financial services industry and serves as a specialist to domestic and international banks, financial service companies, leasing companies and broker dealers, and asset management clients including structuring of transactions, due diligence reviews, income tax returns, advice on planning acquisitions and dispositions, and addressing the tax issues associated with all types of derivatives products and accounting for income taxes.  Mr. Berman's experience has included entity structuring, tax efficiency reviews, international taxation and cross border transactions, taxation of derivatives, debt and equity securities, foreign currencies and financial products.  He has extensive experience advising clients on alternative structuring techniques and the tax ramifications of securitization transactions involving all types of collateral.  Mr. Berman graduated from Southwestern University School of Law, earned his LLM in taxation from New York University, and is a member of the New York and California Bar Associations.

RANDY J. CHURCHILL is Senior Manager, Tax for Moss Adams LLP  in Seattle.  Previously, he was First Vice President and Group Tax Manager with Washington Mutual where he was responsible for IRS examinations, mergers and acquisitions negotiations and due diligence, and had also worked on significant planning and corporate structure projects for the company.  Prior to joining Washington Mutual in 1989, he worked nine years for Deloitte & Touche in the Seattle office.  His clients included financial institutions (including five years advising Washington Mutual), brokerage companies, and insurance companies as well as food industry clients and several of the most significant tax-exempt organizations in Seattle.  For the last 15 years, Mr. Churchill has also been an adjunct faculty with Golden Gate University's Master of Taxation program.  In 1999, he received a Distinguished Teacher Award from the program.  Mr. Churchill is a member of the Bank Tax Institute Advisory Board and is a member of the American Institute of Certified Public Accountants and the Washington Society of Certified Public Accountants.

RON J. COPHER is CFO and Director of Taxation for Glacier Bancorp, Inc. (NASDAQ: GBCI), a multi-state bank holding company headquartered in Kalispell, Montana. His responsibilities include working closely with the banking subsidiaries in merger and acquisitions, financial accounting and tax issues, strategic planning, asset/liability management and budgeting. Prior to joining Glacier Bancorp, Inc. in December 2006, Ron was CFO and Director of Taxation for Oak Hill Financial, Inc., headquartered in Jackson, Ohio. His responsibilities included working closely with the banking, consumer finance, title insurance and employee benefits subsidiaries in accounting and tax issues, merger and acquisitions, strategic planning, investment portfolio management and budgeting. Prior to joining Oak Hill Financial, Inc. in July 1999, Mr. Copher was a partner in the Los Angeles office of Grant Thornton LLP, where he last served as partner-in-charge of the Financial Services practice for Grant Thornton's Southern California offices in addition to serving on the firm's National Financial Services Committee. In his practice, Mr. Copher specialized in the taxation of financial institutions and advised clients in the tax planning for acquisitions of target companies and branch purchases. Mr. Copher has also advised clients in design and administration of stock option and other stock incentive plans, deferred compensation arrangements, installation of Employee Stock Ownership Plans ("ESOPs"), and other employee benefit plans. He co-authored the article "Modeling Executive Stock Options Exercise Behavior: A Mathematical Approach" in addition to his earlier article "Can You Afford Your Stock Options" as well as other articles appearing in Taxation for Accountants, Ohio Community Banker, Bank Auditing and Accounting Report and the Grant Thornton LLP publications, Currency and Tax & Business Advisor. Mr. Copher is a member of the Financial Institutions Accounting Council (FIAC) which regularly meets with FASB, SEC, AICPA and banking industry regulatory agencies on matters of concern to financial institutions. He is a past Chairman and member of the Board of Directors of the Financial Managers Society, having completed seven years of service in June 2007.

STEVEN W. CORRIE is Treasurer for Security National Bank in Sioux City, Iowa. His responsibilities include accounting, auditing, taxes, asset-liability management, bank acquisitions, and holding company consolidation. Mr. Corrie received his B.S. in Business and Economics from Morningside College. He is a past member of the American Bankers Association Taxation Committee, and is currently serving on the Iowa Bankers Association Bank Management Committee. He is a Certified Management Accountant.

WALTER DOGGETT is Group Vice President & Corporate Tax Director with Chevy Chase Bank in Bethesda, Maryland.  For six years prior to that, he served as the Corporate Tax Director for Riggs Bank in Washington, D.C.  Mr. Doggett received his B.S. in Finance from the University of Virginia, M.S. in Tax from Georgetown University, and M.S. in Finance and MBA from Loyola College of Maryland.  His professional memberships include the American Bankers Association - Taxation Committee, AICPA - Tax Legislation & Policy Committee, Tax Executives Institute - Federal Tax Committee, and Tax Executives Institute (Baltimore/Washington Chapter) - Board Member.  Mr. Doggett is a Certified Public Accountant, Certified Financial Planner, and Charter Financial Consultant.

JAMES EGAN is the Senior Vice President Controller and Principal Accounting Officer of Freddie Mac. His responsibilities include Corporate Accounting, External Reporting, Accounting Policy, Corporate Tax, Valuation and Corporate Planning and Analysis. He was previously Executive Vice President and Controller of MBNA America. Prior to joining MBNA, Mr. Egan was a Senior Vice President and Director of Tax for U S Bancorp . He also held positions as Director of Accounting Policy and Director of Merger and Acquisition Analysis. Previously Mr. Egan was the Controller of First Card, the credit card subsidiary of First Chicago Corporation. In addition Mr. Egan was a senior audit manager in the Chicago practice office of Price Waterhouse where he served multinational clients in the oil and gas, mining and consumer goods sectors, and a member of Price Waterhouse's National Accounting and Auditing Standards Group. Mr. Egan is a CPA and graduate of Loyola University with degrees in accounting and finance. He is a member of the American Institute of Certified Public Accountants, and Financial Executive International.

ADRIAN FENTON is Senior Vice President, Director of Tax for PNC Financial Services Group, Inc. in Pittsburgh, Pennsylvania.  He is responsible for the management of a 25 member Corporate Tax Department and for all aspects of the organization's tax matters.  Mr. Fenton attended West Virginia University where he received his B.S.B.A. as well as his Master of Professional Accountancy.

GARY FOX is the Executive-in-Charge, Financial Institutions Tax Group at Crowe Chizek and Company LLC and has 25 years of experience. He works exclusively with tax issues affecting the financial services and real estate industries, including state and federal compliance and consulting issues such as mergers and acquisitions, syndications, utilization of partnerships and limited liability companies to hold troubled real estate, utilization of investment subsidiaries and utilization of captive insurance companies. In addition to the Bank Tax Institute advisory committee, Mr. Fox currently is or has been a member of the following organizations: The American Institution of Certified Public Accountants (AICPA), Indiana CPA Society, Individual Taxation Committee of the AICPA, AICPA Partnership Taxation Committee, Indiana Limited Liability Legislative Committee, and The American Community Bankers Association's tax advisory committee. He is a frequent speaker at various industry trade group meetings and conventions. Mr. Fox has a B.S. in Accounting from Purdue University.

LAURA GINGRICH is a Vice President and Director of Tax and Financial Reporting for Washington Trust Bank, a regional bank headquartered in Spokane , Washington . She has been with the company for 22 years. Laura is responsible for corporate tax and financial and regulatory accounting. Prior to joining Washington Trust Bank, she worked in public accounting for 7 years. Laura is a CPA and received her B.B.A. and Master of Science in Taxation from Gonzaga University . She is a former member of the American Bankers Association Taxation Committee and current member of the American Institute of Certified Public Accountants and the Washington Society of Certified Public Accountants.

CHRISTINA IMMELMAN is Managing Director, Tax Services for Income Tax practices for the Great Lakes region. She has 20 years of public accounting experience. Her focus has been on serving financial service companies where she has gained extensive experience in tax enhanced financing structures and derivatives. In addition to her public accounting experience, Chris also served as Director of Corporate Tax for a $1 trillion financial services company and was a consultant to the South African Revenue Service where she lead the initiative to develop a standardized interpretation of existing law for asset securitization in South Africa. Chris advises corporations and s-corporations on tax planning, compliance, reporting and disclosure requirements. She also consults on the differences between tax and accounting treatment of various transactions and the implementation, disclosure requirements, and ongoing issues of FASB 109 and AC 102 Accounting for Income Taxes. She has also represented clients before taxing authorities and negotiated resolution on various issues. Christina is a frequent speaker and author on topics of interest to the financial services industry including structured financial products and securitization, and has appeared on television interviews with regard to tax law changes.

GLENN JAMES is a partner in the Philadelphia office of Grant Thornton, LLP accountants and management consultants, member firm of Grant Thornton International. He has more than 25 years of experience in tax consulting to financial services organizations including National and State chartered commercial banks and savings institutions, Real Estate Investment Trusts, investment partnerships and stock exchanges, with a specialization in financial services companies. He serves on the firm's national financial institutions industry practice thought leadership team. His technical expertise includes: enterprise valuation consulting; incentive compensation planning and design; taxation of and accounting for share based payment; employee benefit plan design and operations consulting; acquisitions and divestitures, state tax minimization planning, compliance controversy negotiation and accounting for income taxes. He has authored a variety of articles including: “Advice for Companies Planning to Issue Stock Options,” The Tax Adviser; “The Ten Commandments of Incentive Compensation,” Benefits & HR Adviser; “Tying Compensation to Business Value Growth: the Value-chain Connection,” Competitive Magazine; “Strategy May Triple your 401(k) Contribution,” Benefits & HR Adviser. Glenn regularly guest lectures for Universities, professional societies and institutes including: Executive Enterprises Annual Bank Tax Institute, The Bank Administration Institute, The Financial Managers Society, the Pennsylvania Institute of Certified Public Accountants, The Villanova University Annual Tax Forum, The Massachusetts Society of Certified Public Accountants, The Pennsylvania Community Bankers Association and The Community Bankers Association of New York State. Glenn has been quoted in the Independent Banker, The American Banker, the Philadelphia Inquirer, The Philadelphia Business Journal, and The Pacific Business Journal.  He is a graduate of Temple University School of Management, summa cum laude. He received his juris doctorem from the Villanova University School of Law. Glenn is a Certified Public Accountant and a member of the American Institute of Certified Public Accountants.

EDWARD J. KANE is Executive Vice President for Huntington Bancshares Incorporated located in Columbus, Ohio. His responsibilities include the tax planning and compliance for Huntington, as well as establishing Tax Policy for the Organization. He received his B.B.A. in Accounting from Pace College and his Master’s degree in Taxation from Pace University. He is a member of the Ohio Bankers League, Michigan Bankers Association and Ohio Business Roundtable. Mr. Kane is also a member of the American Institute of Certified Public Accountants, Maryland Association of Certified Public Accountants and Tax Executives Institute.

JOHN P. KINSELLA is a Senior Vice President and Director of Tax at US Bancorp in Minneapolis, Minnesota. He started his career at Arthur Andersen & Co where he spent approximately five years. Mr. Kinsella then joined First Bank System, Inc., and spent 14 years there with approximately seven years as tax director. He left to join Ernst & Young in their financial services practice, and spent approximately five years with them, most recently as a senior manager. Mr. Kinsella is a graduate of the University of St. Thomas in St. Paul, Minnesota, and is a CPA.

RICHARD S. MILLERICK is Vice President, Corporate Tax and General Tax Counsel at the Federal Home Loan Mortgage Corporation ("Freddie Mac"). Prior to joining Freddie Mac, Mr. Millerick practiced tax and business law as a partner in the firm of Miller, Hiersche, Martens and Hayward, Dallas, Texas. Before entering private practice, he was an attorney in the New Orleans and Dallas IRS District Counsel offices. Mr. Millerick is a member of the American Bar Association Tax Section and is the chair of the Corporate Tax Management Committee of the Tax Executives Institute. Mr. Millerick's publications include "Federal Income Tax Aspects of Stripped Mortgage-Backed Securities," 12 Va. Tax Rev. 219 (1992), and "Non-Qualified Deferred Compensation After Tax Reform," 22 Suffolk U.L. Rev. 43 (1988), reprinted, 33 Corp. Prac. Commentator 155 (1991). Mr. Millerick holds a B.S.C. from Spring Hill College, a J.D. from Baylor University Law School and an M.L.T. with Distinction from Georgetown University Law Center.

GAIL NELSON is a Partner for PricewaterhouseCoopers. She is the Central Region Leader of the Financial Services Tax Practice. Gail has over 25 years of combined experience in public accounting and the banking industry. Gail joined PricewaterhouseCoopers in 1995 from Harris Bank where she spent ten years as Vice President and Corporate Tax Director. Prior to joining Harris Bank, she worked at another Big Five Firm, specializing in bank taxation.   While working in the banking industry, Gail served as a member of the American Bankers' Association Tax Committee, Bank Administration Institute Tax Committee, Committee of Banking Institutions on Taxation, Southeast Bank Tax Association and Tax Executive Institute. She was also a frequent speaker at industry seminars.   Gail is a graduate of Illinois State University where she received a B.S. degree in Accounting.

LAURA NEWINSKI is the Partner in Charge of KPMG's Northern Heartland tax practice. She serves as Lead Partner on Fortune 100 financial services clients of the firm. She has provided comprehensive tax advisory services, including US tax, state and local, international and accounting for income taxes to many of the firm's clients in Minneapolis . Ms. Newinski has also served as a technical resource to engagement teams around the country on banking and mortgage banking issues. Currently she serves as the co-chair for KNOW and the recruiter for the University of Iowa . In her career she served for three years as the United Way Champion and four years as the Work Action Council Chairperson. She has been an adjunct professor at the University of Minnesota 's Masters in Business Taxation program and speaks on various subjects including accounting for income taxes. Ms. Newinski also serves as an advisor to the Accounting Department as a board member of the Professional Accounting Council at the University of Iowa . She is a Certified Public Accountant in the state of Minnesota and a member of the Minnesota Society of Certified Public Accountants and the American Institute of CPA's. Ms. Newinski received a Bachelor of Business Administration degree from the University of Iowa in December, 1987 and a Masters in Business Taxation from the University of Minnesota, Minneapolis, Minnesota in March, 1992.

DINA SHAPIRO is Chief Tax Officer for GMAC.

RICHARD E. SHUMACHER, JR. is the Senior Vice President Tax for Alliance Data Systems Corp. in Gahanna, Ohio. He is responsible for corporate tax affairs. Previously, Mr. Schumacher was a Tax Senior Manager in the Columbus office of Deloitte & Touche LLP where he was responsible for client tax services, practice management and was in the national tax practice serving the banking and financial services industry. He holds a Bachelor's degree from Ohio State University and a Master's from Capital University Law and Graduate School. Mr. Schumacher is a Certified Public Accountant in the State of Ohio.

NEAL YAROS is a Tax Partner for Deloitte Tax LLP in New York, and a Member of Deloitte & Touche's National Banking Group. He specializes in the taxation of financial institutions, with particular emphasis on issues affecting international banks. Mr. Yaros received his B.A. in Accounting and Economics from Queens College, and his J.D. degree from the National Law Center of George Washington University. He has authored articles for numerous publications, including the Journal of Bank Taxation and Banker's Monthly.