Raja Jubran has served as a director of the Company since 2019. In 1985, he founded and currently serves as chairman of Denark Construction, Inc., a construction management and general contracting company serving clients in seven states. They have an average annual backlog of $175 million and specialize in highly challenging and complex projects. Mr. Jubran s business involvement extends to well-established multiple multimillion-dollar businesses, including Strategic Acquisitions Group LLC, an investment company with over 1.3 million square feet of commercial leases and multiple operating businesses, along with Capstone Concepts LLC, a multi-restaurant operating company with gross income of over $27.5 million including ten great First Watch restaurants in the East Tennessee region. From 2002 until its acquisition in 2017 by FirstBank, Mr. Jubran was a board member and Chairman of the Loan Committee of Clayton Bank & Trust, Inc. He was also a member of the Executive Committee and the Trust Committee. In 2018, Mr. Jubran completed his full term as a member of the Board of Trustees for the University of Tennessee, serving as board Vice-Chairman and Chairman of the Executive & Compensation Committee. During his tenure, the board was able to achieve many successful goals, including revising the business model, enhancing revenue, cutting costs, reducing student fees, increasing reserves, and strengthening accountability and transparency. The efforts culminated in the Board s full support of the Tennessee FOCUS Act which reduced the number of board members, gave the board actual authority over the entire system, and opened the door to recruiting successful business leaders to be appointed as President and as Board Members. Mr. Jubran continues to serve the community on various fronts and is a member of the Knoxville Symphony Orchestra, and Tennessee Business Leaders Council. Mr. Jubran was previously Chair of the Knoxville Area Chamber, Leadership Knoxville, Knoxville s Community Development Corporation, and the Knoxville Opera Company. Mr. Jubran was a member of Leadership Knoxville 1997 and Leadership Tennessee 2013 (inaugural class). He was a Board Member and Treasurer of the Tennessee Business Partnership, predecessor to Tennessee Business Leadership Counsel, Maryville College National Advisory Council, Regional Board of BB&T, YMCA of Knoxville, United Way of Greater Knoxville, Knoxville Museum of Art, and various other worthwhile organizations. Mr. Jubran has been honored in the past by receiving the Knoxville Chamber James A. Haslam II Chairman s Leadership Award, the University of Tennessee College of Engineering distinguished Nathan W. Dougherty Award, The Senior Citizens Home Assistance Knoxville Award, received the 2025 distinguished Leadership Knoxville Alumni award and was inducted into the Business Hall of Fame in 2005. Mr. Jubran s service as Chairman and Chief Executive Officer of Denark Construction, Inc. since its founding, together with various board affiliations, has given him leadership and business experience, as well as financial expertise that makes him a valuable member of our board. Furthermore, his prior banking experience on the board of directors of Clayton HC, Inc. provides a valuable industry perspective and knowledge.