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15 August 2024 M O V E R S & S H A K E R S Adam Feit, EVP, and Head of Specialized Industries Banking and Capital Markets: Feit brings more than 20 years of experience covering and advising clients, structuring and underwriting deals, and leading teams in global corporate and investment banking, capital markets, mid-cap banking, middle market banking, and business banking. In this role, he will lead the client coverage and expansion efforts across industry verticals and capital markets products. Most recently, he served as Managing Director and Head of Specialized Industries at U.S. Bank (formerly MUFG Union Bank). Prior to his time with U.S. Bank, he worked at Bank of America Merrill Lynch as an SVP in Global Commercial Banking and VP in Global Corporate and Investment Banking. Adam will report to Rich Raffetto, President of Commercial and Private Banking. William Fitzgerald, EVP, Head of Work- out-Commercial: Fitzgerald brings more than 30 years of experience as a senior banking executive with expertise in com- mercial real estate, loan management, asset management, and financial restruc- turing and recovery. Most recently, he served as SVP, Head of Commercial Real Estate Resolution at First Citizens Bank, where he established and built the com- mercial real estate restructuring group to manage the non-owner-occupied classified real estate across the bank. His prior roles include SVP, Head of Problem Loan Management at First Citizens Bank, and Managing Director, Regional Head Special Asset Management at Rabobank North America Wholesale. Earlier in his career, he was with ABN AMRO Bank as Group SVP with global restructuring responsibilities. He will report to Chief Credit Officer Kris Gagnon. Don Howard, EVP, Director of Regulato- ry Governance, Risk & Controls: Howard brings more than 30 years' experience as a senior executive, consultant, regulator, and Board Member with experience in global risk manage- ment, credit, compliance, and strategy. Most recently, he served as Managing Director, Compliance Global Transfor- mation Lead at Citibank, where he led all Federal Reserve and Office of the Comptroller of the Currency (OCC) work focused on Governance, Risk and Compliance. Prior roles include Chief Compliance Officer at USAA, and Chief Risk Officer at S&P Global. Earlier in his career, he spent more than 15 years at Bank of America as Managing Director, Structured Credit Product, Portfolio Management. Sydney Menefee, EVP, Senior Director, Strategic Financial & Capital Manage- ment: Menefee brings 20-plus years of experience as an executive leader in the financial services industry with expertise in complex bank regulation, accounting, and financial reporting matters. In this role, Sydney will focus on the bank's strategic, capital, and financial planning functions. Most recently, she was a partner at Crowe LLP, a public accounting, consulting, and technology firm. Prior roles include Senior Deputy Comptroller for Midsize and Community Bank Supervision, Deputy Comptroller and Chief Accoun- tant, and National Bank Examiner at the Office of the Comptroller of the Currency. Sydney will report to Chief Financial Officer, Craig Gifford. Robert Phelps, EVP, Special Advisor to the CEO: Phelps is a former OCC executive, where he held several senior leadership roles in bank supervision. In this role, Bob will support the continued enhancement of Flagstar's IT capabilities working closely with existing IT leadership. During his 30-year tenure with the OCC, his roles included Chair of the National Risk Committee, Deputy Comptroller of Supervision Risk Management, and leading the creation of the Supervision System and Analytics Support Division. Bob provided oversight of the OCC's supervisory data and systems upgrade. He also served as the OCC's Director for Critical Infrastructure Policy, overseeing development of a cybersecurity superviso- ry policy and coordination with other financial regulators. Bob is a retired U.S. Navy Commander and served in several major operations. He supports the Naval Academy as a Blue and Gold Officer. He is also a certified coach, supporting leaders to achieve more professionally and personally. Bryan Hubbard, SVP, Senior Regulatory Program Manager: Hubbard brings more than 30 years of experience in providing strategic counsel to CEOs and senior federal officials focusing on media relations, regulatory affairs, policy, and reputation. At Flagstar, Bryan will focus on enhancing regulatory relationships, communication, and remediation efforts. Most recently, he served as the Deputy Comptroller for Public Affairs at the OCC where he led strategic communication and public affairs for the agency overseeing a $15 trillion federal banking system. His service at the OCC spanned four presidential adminis- trations, periods of growth, recession, and crisis. Prior roles include serving in senior positions in the Defense Finance and Accounting Service, as an officer in the U.S. Air Force, and in the private sector. Tom Lyons, SVP, Director of Finance Business Risk & Controls: Lyons brings 30 years of experience in finance, risk, IT, operations, compliance, and audit disciplines across industries. In this role,