BayFirst Financial Corp

• Director - BayFirst Financial Corp. and BayFirst National Bank
• Principal - Apostolou Construction Company

• Director - BayFirst Financial Corp.
• Chair of the Nominating/Ad Hoc Executive Committee
• Chief Executive Officer - Comegys Insurance Agency

• Director - BayFirst Financial Corp. and BayFirst National Bank
• Vice President - Comegys Insurance Agency

• Director – BayFirst Financial Corp. and BayFirst National Bank
• Chair of the Compensation Committee
• Partner - DeLoach, Hofstra & Cavonis, PA

• Director – BayFirst Financial Corp. and BayFirst National Bank
• CEO and Co-founder - Arts Conservatory for Teens

• Director - BayFirst Financial Corp. and BayFirst National Bank
• Chair of the Asset Liability and Investment Committee
• Sr. Vice President - Raymond James

• Director - BayFirst Financial Corp. and BayFirst National Bank
• Chief Executive Officer - BayFirst Financial Corp. and BayFirst National Bank

• Director - BayFirst Financial Corp. and BayFirst National Bank
• Senior Vice President / Partner of Xenia Management Corp

• Chairman - BayFirst Financial Corp. and Director - BayFirst National Bank
• President - Greenleaf Capital, LLC

• Director – BayFirst Financial Corp. and BayFirst National Bank
• Chief Executive Officer - Spoor Street Investments

• Chairman of the Board - BayFirst National Bank and Director - BayFirst Financial Corp.
• Chair of the Directors Loan Committee
• Retired Banker

• Director - BayFirst Financial Corp. and BayFirst National Bank
• Co-Founder - FullSky Partners

• Director - BayFirst Financial Corp. and BayFirst National Bank
• Retired CFO (CPA)
• Chair of the Audit and Risk Management Committee

Anthony N. Leo has served as Chief Executive Officer of BayFirst Financial Corp. and BayFirst National Bank since 2013. Mr. Leo previously served as Executive Vice President & Managing Director of Community Banks, Inc., a diversified financial holding company based in Harrisburg, PA. He began his career as Vice President & Associate Counsel for the National Bank of Washington, D.C., and later was Vice President & Corporate Counsel for FB&T Corporation, Hanover, PA. Mr. Leo received his BA with distinction from The George Washington University and his JD from The George Washington University Law School. He is a member of the Bar of the District of Columbia and the State of Maryland.

Robin L. Oliver serves as Chief Operating Officer and Chief Financial Officer for BayFirst National Bank and BayFirst Financial Corp. Prior to joining BayFirst National Bank in 2018, Mrs. Oliver served as Controller for a financial institution in Kentucky, and for the first 16 years of her career, she served multiple financial institution clients in public accounting as an auditor with Crowe LLP. Mrs. Oliver is a Certified Public Accountant and received her BA in Accounting from the University of Kentucky.

Brandi N. Jaber serves as the President of the Residential Mortgage Division for BayFirst National Bank. Ms. Jaber joined the Bank in November 2017 and most recently served as the Chief Administrative Officer. Prior to joining BayFirst National Bank, Ms. Jaber spent over 17 years in various management roles in the residential mortgage industry. She has served as an executive team member for the past 2 years, leading numerous cross-functional initiatives. Ms. Jaber holds a BS in Finance from the University of Florida and an MBA from the University of Tampa.

Lewis Benner serves as Executive Vice President and Chief Credit Officer. Mr. Benner joined BayFirst National Bank in 2018 and previous to joining BayFirst National Bank, Mr. Benner served in leadership roles from multiple financial institutions. Mr. Benner’s experience includes serving as President and CEO of 1st Manatee Bank, EVP and Chief Lending Officer of Sabal Palm Bank, Community Bank President of Gold Bank, and President of Lancaster Region for Lebanon Valley National Bank/Fulton. Mr. Benner received his BA in Business Administration from Elizabethtown College.

Matthew M. Luckey serves as Executive Vice President and Chief Lending Officer, and leads the Community Banking Division of BayFirst National Bank. Prior to joining BayFirst National Bank in 2015, Mr. Luckey served in several retail banking and commercial banking capacities, including branch management, credit underwriting, and commercial lending. He began his career as a Banking Associate with SunTrust Bank, followed by Vice President roles at United Bank, Synovus Bank, and The Bank of Tampa. Mr. Luckey received his BBA from the University of Georgia.

Thomas G. Zernick is the President of BayFirst National Bank. Prior to joining BayFirst National Bank in 2016, Mr. Zernick served as Florida Market President for Stearns Bank, and as an SBA Product Manager for HomeBanc in Tampa. Before relocating to Florida, Mr. Zernick served as a Community Bank President and SBA President for Republic Bank in Michigan. Mr. Zernick received his BBA from the University of Notre Dame.

John Macaluso serves as Executive Vice President and Chief Technology Officer of BayFirst National Bank. Mr. Macaluso joined BayFirst National Bank in the fall of 2020 with 37 years of experience in information technology having served as Senior Vice President, Product and Market Strategy and Chief Technology Officer for Fiserv, Inc., Director of Information Systems for New York Yankees, and Vice President, Emerging Technologies for Kforce.com. Mr. Macaluso received his B.A. in Business Administration from the University of South Florida.