Management Cabinet

Larry J. Helling, CHIEF EXECUTIVE OFFICER, QCR HOLDINGS, INC. AND CEDAR RAPIDS BANK & TRUST

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Larry J. Helling was named Chief Executive Officer of QCR Holdings in May of 2019 in addition to his duties as Chief Executive Officer of Cedar Rapids Bank & Trust (CRBT). Prior to leading the creation of CRBT in 2001, he spent 18 years in executive positions with Firstar Bank in Cedar Rapids, IA and Omaha National Bank in Omaha, NE. Mr. Helling is a graduate of the Cedar Rapids’ Leadership for Five Seasons program and currently serves on the board of directors and trustees of the United Way of East Central Iowa and the board of trustees of Junior Achievement. He is past President and a member of the Rotary Club of Cedar Rapids, on the board of the Entrepreneurial Development Center, and is on the board of Brucemore National Trust Historic Site. He also serves as a Director of Quad City Bank & Trust, Cedar Rapids Bank & Trust, and m2 Lease Funds. We consider Mr. Helling to be a qualified candidate for service on the board and the committees he is a member of due to his experience as the President of Cedar Rapids Bank & Trust, his past experience as an executive officer of Firstar Bank, located in Cedar Rapids, Iowa, one of our market areas, and his prior banking experience.

Todd A. Gipple, PRESIDENT, CHIEF OPERATING OFFICER AND CHIEF FINANCIAL OFFICER, QCR HOLDINGS, INC.

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Todd A. Gipple is a Certified Public Accountant (inactive) and began his career with KPMG Peat Marwick in 1985. In 1991, McGladrey & Pullen acquired the Quad Cities practice of KPMG. Mr. Gipple was named Tax Partner with McGladrey & Pullen in 1994 and served as the Tax Partner-in-Charge of the firm’s Mississippi Valley Practice and as one of five Regional Tax Coordinators for the national firm. He specialized in Financial Institutions Taxation and Mergers and Acquisitions throughout his 14-year career in Public Accounting. He joined QCR Holdings in January of 2000, and currently serves as President, Chief Operating Officer and Chief Financial Officer. He also serves as a Director of Quad City Bank & Trust, Cedar Rapids Bank & Trust, and Rockford Bank & Trust. Mr. Gipple previously served on the board of directors and the Executive Committee of the Davenport Chamber of Commerce, United Way of the Quad Cities and the Scott County Beautification Foundation, and was a member of the original Governing Body for the Quad City’s “Success by 6” Initiative. Mr. Gipple was the 2016 Chief Corporate Chair for the Quad Cities JDRF One Walk and also currently serves on the Audit Committee for the Community Foundation of the Great River Bend, the board of directors of SAL Family and Community Services, the board of directors of the Scott County family YMCA, and is a member of the American Institute of CPAs. We consider Mr. Gipple to be a qualified candidate for service on the board and the committees he is a member of due to his experience as the Chief Financial Officer and Chief Operating Officer of QCR Holdings and his prior experience as a tax partner in public accounting.

John H. Anderson, CHIEF EXECUTIVE OFFICER, QUAD CITY BANK & TRUST / CHIEF DEPOSIT OFFICER, QCR HOLDINGS, INC.

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As CEO, John Anderson is the driving force in the direction and continued growth of Quad City Bank & Trust. Mr. Anderson ensures the further success of Quad City Bank & Trust by utilizing his tremendous knowledge of the banking industry and personal service to focus on relationship banking, community involvement, and corporate culture. He began his career with Davenport Bank & Trust (now Wells Fargo) and later moved to Brenton Bank, where he served as Chairman, President and CEO of the Davenport operation. Mr. Anderson is deeply committed to the Quad City area and serves on a number of community boards. He serves as Board Chairman of Rick's House of Hope and Board Chairman of Genesis Health Services Foundation. Mr. Anderson also serves St. Ambrose University, his alma mater, as Board Member, Chair of Enrollment Management, and Chair of Compensation.

Anne E. Howard, SENIOR VICE PRESIDENT, DIRECTOR OF HUMAN RESOURCES

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Anne Howard develops human resources policies and programs for QCR Holdings, Inc. She is responsible for all areas of human resource management including hiring, orientation, onboarding, employee relations, compensation, benefits, and organization development. Ms. Howard joined QCR Holdings, Inc. in 2009 and has over 16 years of Human Resources experience. She has a Bachelor’s degree from the University of Northern Iowa in Business Management and has obtained her SHRM – SCP designation. Ms. Howard has been active in several community organizations including United Way, Big Brothers/Big Sisters, and her local church.

Dana L. Nichols, EXECUTIVE VICE PRESIDENT, CHIEF LENDING OFFICER, QCR HOLDINGS, INC.

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Dana Nichols serves as Executive Vice President and Chief Lending Officer for QCR Holdings, Inc. He is a graduate of Iowa State University and has over 30 years of experience in the banking industry. Mr. Nichols began his career as a bank examiner for four years and has spent the remainder of his banking career in a variety of Commercial Banking and Credit Administration roles. Mr. Nichols is a graduate of the Cedar Rapids Leadership for Five Seasons. He is past President and a member of the Cedar Rapids West Rotary Club, Vice President of the Cedar Rapids Kernels Foundation Board, a member of the Young Parents Network Board of Trustees and serves on the Czech Village New Bohemia Main Street District Finance Committee.

Leadership Team

Stacey J. Bentley, PRESIDENT AND CHIEF EXECUTIVE OFFICER, COMMUNITY BANK & TRUST

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Stacey Bentley has been with Community Bank & Trust (formerly Community National Bank) since its inception over 20 years ago. Ms. Bentley serves on the American Bankers Association Board of Directors and previously served on the board of the Iowa Bankers Association. In the community, Ms. Bentley is a board member for Unity Point Hospital, Grow Cedar Valley, Woman United, the Waterloo Foundation and many other local organizations. Previously, Ms. Bentley was board chair for Western Home Retirement Communities, Exceptional Persons, Inc. and Junior Achievement. In addition, Ms. Bentley has co-chaired the American Heart Association Heart Walk and served on the Iowa Bankers Association Management Committee and Leadership Advisory Board. Ms. Bentley received the “Fulfilling the Vision of One” award through the Cedar Valley Alliance and Chamber in 2017. She has been recognized as a recipient of Courier Communications Top 20 Under 40 Award and as Iowa’s Rising Star in Banking Award.

Robert M. Eby, EXECUTIVE VICE PRESIDENT, CHIEF CREDIT OFFICER

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Robert M. Eby is Executive Vice President and Chief Credit Officer of QCR Holdings. Mr. Eby previously served as Executive Vice President and Chief Credit Officer of Quad City Bank & Trust from May 2015 to May 2019. Prior to joining Quad City Bank & Trust Mr. Eby was with Heartland Financial USA where he was President of Galena State Bank from January 2013 to May 2015 and was a Credit Officer at Heartland Financial USA from February 2006 to January 2013. In the community he serves on the Board of Directors for Vera French Mental Health Center and is part of the Executive Committee and Finance Committee. Mr. Eby holds a Bachelor’s Degree in Business Administration from Mount Marty College, where he majored in Accounting. Mr. Eby is a graduate of the Graduate School of Banking at Colorado and a member of the Risk Management Association.

Monte McNew, PRESIDENT AND CHIEF EXECUTIVE OFFICER, SFC BANK

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A lifelong resident of the Springfield area, Monte is committed to helping clients and business owners with their financial needs. In addition to his role as president and CEO, Monte serves on the board of directors for SFC Bank. He is very active in the community, currently serving as a board member for Lost & Found Grief Center, Hickory Hills Country Club and Care to Learn. Monte has served on numerous local community boards, including the Springfield Area Chamber of Commerce and Discovery Center of the Ozarks. Monte received his bachelor's in finance and MBA from Missouri State University.

Kim K. Garrett, VICE PRESIDENT, CORPORATE COMMUNICATIONS AND INVESTOR RELATIONS MANAGER

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Kim Garrett, Vice President, Corporate Communications and Investor Relations Manager, leads the execution of QCR Holdings corporate communications, corporate branding and marketing strategies, as well as manages public and investor relations. Prior to joining QCR Holdings, Ms. Garrett has enjoyed a career in communications and marketing in both higher education and corporate environments. Most recently she spent the last nine years at Collins Aerospace serving in communications, change management and creative services management roles. Ms. Garrett holds a Bachelor of Science degree with an emphasis on communications studies and journalism from South Dakota State University and a Master of Science degree with an emphasis on Leadership Education from the University of Nebraska-Lincoln. Ms. Garrett is active in the community, serving as a board member for the Cedar Rapids Museum of Art and the Young Parents Network (YPN) organizations.

Kurt A. Gibson, PRESIDENT AND CHIEF EXECUTIVE OFFICER, COMMUNITY STATE BANK

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Kurt Gibson currently serves as President, Chief Executive Officer and Director at Community State Bank (CSB). He joined CSB in 2017 as President and assumed the position of Chief Executive Officer in August 2018. Mr. Gibson has held various relationship management and leadership roles with regional banks located in Des Moines over the past several decades. Most recently, he served as the Vice President of Commercial Banking at Wells Fargo and prior to that, as Market Manager and Director at Bank of the West, both located in Des Moines. Mr. Gibson is a graduate of Coe College, where he received a bachelor’s degree in Business Administration. He is also active in the community and is involved in many community and professional organizations, including Greater Des Moines Partnership, Rotary Club of Des Moines, Robert Morris Associates, Alzheimer Association and Ankeny First United Methodist Church.

Todd C. Kerska, EXECUTIVE VICE PRESIDENT, CHAIR, BEST IN CLASS INITIATIVES, QCR HOLDINGS, INC. AND CRBT CASHIER

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Todd Kerska is EVP and Chair, Best in Class Initiatives. Best in Class was created to determine the one, consistent, “best” way to perform our work for our clients and find the right balance between charter autonomy and centralized operations. Prior to joining QCR Holdings, Inc., Mr. Kerska served eight years as Chief Financial Officer of Guaranty Bank & Trust and has 25 years of banking experience. Mr. Kerska holds a Bachelor of Science in Accounting from Upper Iowa University. He also completed the Graduate School of Banking in Operations and Technology at Vanderbilt University, Iowa Bankers Association Compliance School, Integrity Integrated Leadership Development Program, and Slingshot 25’s “The Change Course.” Mr. Kerska has served as Treasurer and board member for both the Cedar Rapids Public Library Foundation and Wheelchair Ramp Accessibility Program (WRAP), and has volunteered with other organizations such as United Way, YMCA and the Catherine McAuley Center.

James D. Klein, PRESIDENT, CEDAR RAPIDS BANK & TRUST

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James Klein serves as President of Cedar Rapids Bank & Trust (CRBT). With over 25 years of banking experience in the greater Cedar Rapids area, his ability to connect vision, people and ideas to drive results helps guide CRBT’s culture and growth. Prior to serving as CRBT’s President, Mr. Klein most recently served as CRBT’s Executive Vice President and Chief Lending Officer. As a lifelong learner, Mr. Klein has completed the Graduate School of Banking in Boulder, Colorado, The Iowa School of Banking, Iowa Banker’s Commercial Lending School, the American Bankers Association (ABA) Commercial Lending School, and the Leadership Institute. He is also a graduate of the University of Iowa where he earned his BBA in Finance, as well as his MBA.

Reba K. Winter, EXECUTIVE VICE PRESIDENT, CHIEF INFORMATION OFFICER, QCR HOLDINGS, INC.

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Reba Winter is Chief Information Officer for QCR Holdings. Ms. Winter is a seasoned senior information technology leader with extensive experience in IT strategy, business intelligence, security and cloud computing. She holds an MBA from the University of Iowa and a BA, Chemistry from Coe College. Ms. Winter was most recently Vice President, Information Technology at Qualcomm, a global semiconductor company. Prior to Qualcomm, she spent 26 years at Rockwell Collins in Cedar Rapids, with increasing leadership responsibilities to transform all areas of IT within the company.

Group Operations Management Team

Anne E. Howard, SENIOR VICE PRESIDENT, DIRECTOR OF HUMAN RESOURCES

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Anne Howard develops human resources policies and programs for QCR Holdings, Inc. She is responsible for all areas of human resource management including hiring, orientation, onboarding, employee relations, compensation, benefits, and organization development. Ms. Howard joined QCR Holdings, Inc. in 2009 and has over 16 years of Human Resources experience. She has a Bachelor’s degree from the University of Northern Iowa in Business Management and has obtained her SHRM – SCP designation. Ms. Howard has been active in several community organizations including United Way, Big Brothers/Big Sisters, and her local church.

John R. Oakes, SENIOR VICE PRESIDENT, TREASURER

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John Oakes, CPA joined QCR Holdings, Inc. in 2007 and utilizes over 15 years of extensive banking, auditing, and accounting experience as he serves as Treasurer helping to efficiently manage the Company’s balance sheets including the bond portfolios for all of the subsidiary banks. He holds a Bachelor’s degree in Accounting from University of Northern Iowa and is a graduate of the Graduate School of Banking at the University of Wisconsin. He is active in the community and has served on the Board of Directors (as Vice Chair of Finance from 2005 to 2014, and as Chairman in 2015) and as a Lunch Buddy for the past 10 years for Big Brothers/Big Sisters.

Nick W. Anderson, SENIOR VICE PRESIDENT, CHIEF ACCOUNTING OFFICER

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With over 15 years of banking experience, starting as teller in college, Nick Anderson is responsible for all the internal and external financial reporting for QCR Holdings, Inc. and its subsidiaries including all SEC Reporting. Mr. Anderson was most recently served as the Chief Financial Officer with Quad City Bank and Trust, which is QCR Holdings, Inc's flagship bank. He currently volunteers his time on the board of Project Renewal of Davenport as its Vice President and participates in several local community events.

Pamela J. Goodwin, SENIOR VICE PRESIDENT, LOAN OPERATIONS MANAGER

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As Senior Vice President, Loan Operations Manager, Pam Goodwin is responsible for managing the Loan Operations and Loan Quality areas. Ms. Goodwin joined QCR Holdings, Inc. in October of 2006 and has over 30 years of banking experience. She has previous experience in Consumer, Real Estate and Agricultural Lending and as a Branch Manager and Compliance Officer. Ms. Goodwin is active in the community as a Big Brothers Big Sisters and United Way volunteer.

Reba K. Winter, EXECUTIVE VICE PRESIDENT, CHIEF INFORMATION OFFICER, QCR HOLDINGS, INC.

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Reba Winter is Chief Information Officer for QCR Holdings. Ms. Winter is a seasoned senior information technology leader with extensive experience in IT strategy, business intelligence, security and cloud computing. She holds an MBA from the University of Iowa and a BA, Chemistry from Coe College. Ms. Winter was most recently Vice President, Information Technology at Qualcomm, a global semiconductor company. Prior to Qualcomm, she spent 26 years at Rockwell Collins in Cedar Rapids, with increasing leadership responsibilities to transform all areas of IT within the company.

R. Timothy Harding, EXECUTIVE VICE PRESIDENT, DIRECTOR OF INTERNAL AUDIT

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With 30 years of banking experience, Tim Harding is responsible for the internal audit, loan review and regulatory compliance audit programs for QCR Holdings, Inc. Mr. Harding has been a board member of the Geneseo Chamber of Commerce, Geneseo Growth and Development, Geneseo Community Chest, and a volunteer for Geneseo Performing Arts Council. He presently volunteers for United Way and Toys for Tots.

Todd C. Kerska, EXECUTIVE VICE PRESIDENT, CHAIR, BEST IN CLASS INITIATIVES, QCR HOLDINGS, INC. AND CRBT CASHIER

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Todd Kerska is EVP and Chair, Best in Class Initiatives. Best in Class was created to determine the one, consistent, “best” way to perform our work for our clients and find the right balance between charter autonomy and centralized operations. Prior to joining QCR Holdings, Inc., Mr. Kerska served eight years as Chief Financial Officer of Guaranty Bank & Trust and has 25 years of banking experience. Mr. Kerska holds a Bachelor of Science in Accounting from Upper Iowa University. He also completed the Graduate School of Banking in Operations and Technology at Vanderbilt University, Iowa Bankers Association Compliance School, Integrity Integrated Leadership Development Program, and Slingshot 25’s “The Change Course.” Mr. Kerska has served as Treasurer and board member for both the Cedar Rapids Public Library Foundation and Wheelchair Ramp Accessibility Program (WRAP), and has volunteered with other organizations such as United Way, YMCA and the Catherine McAuley Center.

Aaron M. Rios, EXECUTIVE VICE PRESIDENT OF OPERATIONS

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Aaron Rios is Executive Vice President Operations and oversees loan and deposit operations at QCR Holdings. Mr. Rios has extensive experience in banking operations, including leading banking operations for Citigroup and most recently Midland States Bank in Effingham, IL.

Mr. Rios earned a B.A. in Business Administration, Management and Finance from Iowa Wesleyan University and an M.B.A. in Strategic Leadership from Dakota Wesleyan University. Mr. Rios volunteers with several organizations including Big Brothers Big Sisters, United Way, Habitat for Humanity and the Fathers and Families Support Center.