Jacqueline Pace, Esq., Washington, DC, attorney, is the former special counsel to the Chairman of the FDIC, and has worked for nearly 30 years as an attorney in the banking and financial services industry. She serves and has served on the board of directors of a variety of companies.

Ms. Pace received her BA degree from the American University in Washington, DC and her JD degree from Emory University in Atlanta, Georgia.

From 1976 to 1979, Ms. Pace was a name partner in the law firm of Thompson & Pace in Atlanta, Georgia. From 1979 to 1989, Ms. Pace was a partner in the law firm of Thompson, Mann, and Hutson in Washington, D.C. specializing in government relations.

From 1989 to 1991, Ms. Pace was special counsel to the Chairman of the FDIC and RTC in Washington, D.C.

Currently, she is an attorney in private practice specializing in the area of financial institution regulatory law in the United States and abroad. She has represented individuals, financial institutions and others before federal bank regulatory agencies and Congressional Banking Committees. Additionally, she has advised foreign governments on banking and financial restructuring issues.

She has written and edited numerous articles and speeches on issues related to the financial services industry.

She is an officer and director of The Lowell Group, LLC, a private investment company with financial institution holdings in Europe and other financial centers.

She has served as a member of the board of directors of Third Federal Savings Bank, a US$8.5 billion mutual savings bank in Cleveland, Ohio and was chairman of its audit committee. She also was a founding member of the DeepGreen Bank board of directors.

Currently she serves on the board of LML Payments, Inc., (LMLP-NASDAQ) and is chairman of the board's corporate governance and compensation committees. She is a member of the board of directors of The American Theater of Actors, a non-profit, off Broadway Theater in New York City.

Mark S. Allio became Vice-Chairman, President and CEO of Central Federal Corporation in February 2005 and Chairman and CEO of CFBank in January 2006.

Allio has been involved in banking for nearly 30 years. He spent the first 12 years of his career consulting for banks throughout the US. He then became chief financial officer of Third Federal Savings and later became president of the parent company. Third Federal grew during his tenure from a $1.5 billion thrift to an $8.2 billion multi-bank diversified holding company. Before joining CFBank, he served as president and chief executive officer of a community bank in formation in Michigan.

An Akron native and lifelong resident, Allio graduated from Baldwin Wallace College. Since that time, he has developed community banking expertise in finance, operations, technology, residential lending, regulatory law, mergers and acquisitions, and strategy.

Allio is committed to community service and supports hospitals, schools, elder care, housing, hunger centers and education.

Mike graduated from San Francisco State University and was an honor graduate of the Pacific Coast Banking School. He served five years as a naval officer, developing the dedication and the strength of character that would shape his business banking career.

He began his lending career at First Interstate Bank where he spent ten years in various branches. In time he relocated to Boise, ID, where he joined a large national bank as a credit administrator to over 20 branches. With an extraordinary amount of experience behind him, Mike was promoted to team leader of their commercial / private banking division.

Mike was hired by Harborstone Credit Union (HCU) in 2002, to create business lending. His challenges included the development of loan policies, implementation of wide spread training programs, creation of loan production systems, introduction of commercial loan underwriting, acquisition of appropriate financial analytical software and most importantly making the massive cultural changes necessary for a credit union to deal successfully with business owners. By hiring a cadre of prominent local community bankers Harborstone was able to build a MBL portfolio of more than $82 million.

One of Mike's key responsibilities at HCU was to purchase member business loan participations. Through an associate CUSO he established himself as a "contract business loan underwriter" and evaluated loan participation opportunities for several credit unions located in the Pacific Northwest. After multiple examinations over the past five years, the independent underwriting of purchased loan participations in Harborstone's MBL portfolio has yet to receive an adverse comment.