With a deep understanding of the neighborhoods and business climate in our markets, Howard Bank focuses on banking and lending services for local families and businesses. Since our inception in 2004, the executive management team and board of directors have made building and maintaining relationships our primary focus.
 

HOWARD EXECUTIVE MANAGEMENT

Mary Ann Scully

Mary Ann Scully, Chairman and Chief Executive Officer 

Mary Ann Scully is the Chief Executive Officer of Howard Bank and is Chairperson of its board of directors. A lifelong banker with more than 40 years of varied executive experiences in the Maryland marketplace, Mary Ann led Howard Bank’s acquisition of 1st Mariner Bank in 2018 creating Baltimore City’s largest locally headquartered banking company and Maryland’s fourth-largest locally headquartered bank with more than $2 billion in assets.

After heading the organizing team that launched Howard Bank in 2004, Mary Ann led the company through 11 capital raises and SEC Act 34 registration as well as five business combinations. Prior to helping launch Howard, Mary Ann was employed by Allfirst Bank from 1973 through April 2003. She served in a number of senior positions including, Executive Vice President for Regional Banking, Executive Vice President for Community Banking, Senior Vice President for Strategic Planning, Senior Vice President for Mergers and Acquisitions, and Senior Vice President of International Banking.

Today, Howard Bank is a leading banking institution in Greater Baltimore serving small and medium-sized businesses in Anne Arundel, Baltimore, Harford, Cecil and Howard Counties as well as select businesses in Delaware from its headquarters in Baltimore City. The bank also operates regional commercial offices in Howard, Anne Arundel and Harford counties and Newark, Delaware, as well as community branch offices throughout its regional footprint.

Mary Ann is a trustee of the Enoch Pratt Library, Loyola University of Maryland, Mount St Joseph College high school and serves as Vice-Chair of the Greater Baltimore Committee.  She is also a trustee for the Community Foundation of Howard County Real Estate Board, and the Inner Arbor Trust. She is a past president of the board of Catholic Charities,  past chair of The Community Foundation of Howard County and past chair of the Maryland Bankers Association,  as well as a  past board member of the Baltimore Federal Reserve and served as a Community Advisory board member for the FDIC. She also was a member of the Maryland Economic Development and Business Climate Commission. She is a 2007 graduate of Leadership Maryland.

Mary Ann has been recognized publicly for her achievements in business and for her works in the community. In 2018, Mary Ann received the Industrialist of the Year award from the Baltimore Museum of Industry. She was an EY regional entrepreneur winner in 2017 and was recognized as one of the Power 10 in greater Baltimore by the Baltimore Business Journal. She was named one of the Top 25 Women to Watch in Banking by American Banker newspaper in 2016 and 2017.  In 2012, 2015 and 2016 she was named a Most Admired CEO and was a winner of a 2012 Trailblazer Award presented by the Baltimore Center Club. In 2008, 2012 and 2016 Mary Ann was named an Influential Marylander by The Daily Record, and in 2002, 2005 and 2007, she was recognized as one of Maryland’s Top 100 Women by the newspaper. She is a Loyola University Alumni laureate and a Seton Hill University Distinguished Alumna.

Robert D. Kunisch, Jr., President and Chief Executive Officer

Robert D. Kunisch, Jr., President and Chief Operating Officer

Mr. Kunisch has served as President of Howard Bank and as a Member of their Board of Directors since March 1, 2018. Mr. Kunisch has spent his entire banking career in Maryland, beginning in 1990 at Mercantile-Safe Deposit and Trust Company and, later, its acquirer, PNC Bank. Mr. Kunisch held various management positions throughout his tenure with Mercantile and PNC. In 2008, Mr. Kunisch joined Wilmington Trust FSB as the Director of Commercial Banking. He later was promoted to President of Wilmington Trust, FSB — Maryland and assumed the additional responsibilities of running wealth management in Maryland. When M&T Bancorp acquired bank in 2011, he opted to pursue his desire to work at a community bank by serving as a consultant to the 1st Mariner Bancorp board in 2012. He and Mr. Steil led the group of local Baltimore investors who acquired 1st Mariner in 2014. Upon the completion of the acquisition, Mr. Kunisch was named President and Chief Operating Officer of the Bank and was appointed to the Board of Directors. In 2017, he was promoted to Chief Executive Officer. Mr. Kunisch has served in the past as Chairman of Saint Ignatius Loyola Academy and a board member of various entities related to Catholic Charities. His past community involvement includes the United Way and the Independent College Fund. He is currently a trustee at Stevenson University and Director of the Maryland Bankers Association. 

 

Robert L. Carpenter, Jr., Executive Vice President, Chief Financial Officer 

Bob Carpenter comes to Howard with more than 30 years of financial services experience. Mr. Carpenter began his banking career at MNC Financial/Maryland National Bank where he held various positions in financial management in the bank over a span of 10 years. Beginning in 1993, Mr. Carpenter began working with AllFirst Bank where he spent the next 10 years ultimately becoming Executive Vice President & Controller. Allfirst bank was a $17 Billion asset regional bank until it was acquired by and merged into M&T Bank. Following his work at AllFirst, Bob went on to hold Controller positions at the Wall Street Institute International, a private equity-owned company headquarter in Baltimore and Bay Bank. Bob then joined Damascus Community Bank as Chief Financial Officer and later as acting Co-Chief Executive Officer until it was acquired by and merged into Old Line Bank.  Most recently, Mr. Carpenter was the Executive Vice President & Chief Financial Officer for the Maryland Financial Bank, a state-chartered bankers’ bank located in Towson, Maryland.

Over his career, he has developed extensive knowledge in the areas of strategic planning, mergers and acquisitions, financial analysis, internal and external management reporting and the ability to be effective from both a “big picture” and “in the trenches” perspective. He holds a Bachelor of Science Degree in Accounting and is a Certified Public Accountant in the State of Maryland.

 

Charlie Schwabe

Charles E. Schwabe, Executive Vice President, Chief Risk Officer, Secretary

Charlie serves as Executive Vice President and Secretary of the Bancorp, and Executive Vice President, Chief Strategic Risk Officer of Howard Bank. Mr. Schwabe has served as Executive Vice President and Secretary of the Company since December 2005 and as Executive Vice President and Secretary of Howard Bank since the founding of Howard Bank in 2004 and was appointed Chief Strategic Risk Officer in December 2014. He previously served as Chief Administrative Officer, Chief Information Officer, Information Security Officer, Compliance Officer and Chief Operational Risk Officer of the Bank from the founding of the Bank in 2004 until December 2014. Mr. Schwabe provides leadership for the assessment and management of enterprise risk which encompasses asset quality, compliance and operational risk, cyber and physical security risk. The Chief Credit Officer, Chief Compliance Officer and Chief Security Officer report to Mr. Schwabe.

Prior to joining the organizing group for Howard Bank, he was employed by Allfirst Bank (now M&T Bank) from 1988 through April 2003. He served as Senior Vice President and Manager for the Customer Relationship Management Program as well as the Strategy and Planning Director for the Technology, eCommerce and Operations Division. At Allfirst Bank, he was also Vice President of Strategic Planning for the Mergers and Acquisitions Division and Vice President and Group Marketing Head for small business and retail product development and management. Prior to working at Allfirst Bank, he was a consultant and senior manager for a marketing firm that specialized in the health care and financial services industries. Mr. Schwabe has over 27 years of banking management experience and another seven years as a marketing strategy consultant to the banking, retail and business services industries.

Charlie is a Trustee of Center Stage, the nationally recognized State Theater of Maryland located in Baltimore, serving on the finance, marketing, and major gifts committees, and he is currently the Chair of Center Stage’s Corporate Committee. Charlie serves on the Board of Directors of Maryland Bank Services, Inc., a subsidiary of the Maryland Bankers Association, and was Chairman of the Board from 2013 to 2015. Mr. Schwabe also serves on the Community Reinvestment Act (CRA) Advisory Board for CRA Partners (a division of Senior Housing Crime Prevention Foundation) based in Memphis, Tennessee, the Columbia Festival of the Arts Investment Committee and the Safe Systems Advisory Board. He has served as President and Chairman of the Columbia Festival of the Arts Board of Trustees, President of the Baltimore Chapter of the American Marketing Association, and Chair of Catholic Charities of Baltimore’s Our Daily Bread Employment Center Gala Committee.

 

Randy Jones

Thomas (Randy) Jones, Executive Vice President, Chief Credit Officer

Thomas (Randy) Jones has over 26 years of commercial banking experience in Maryland. He began his career as a Credit Analyst for Mercantile-Safe Deposit and Trust Company, and he now holds the position of Chief Credit Officer at Howard Bank. During the course of his career, he has held positions in Credit, Commercial Lending and Loan Review. After the acquisition of Mercantile Bankshares by PNC in 2006, he served as the Maryland Market Credit Executive of PNC for seven years before joining 1st Mariner Bank in 2014 as Chief Credit Officer. Mr. Jones earned his Bachelor of Science from Wake Forest University and his Masters of Science from Johns Hopkins University.

 

Frank Turner

Frank K. Turner, Jr., Chief Commercial Banking Officer, Executive Vice President

Frank K. Turner, Jr. currently serves as Executive Vice President, Chief Commercial Banking Officer with Howard Bank.  Mr. Turner began his career in banking over 40 years ago with the Mercantile Bank.  During his career, he has many years of broad banking experience to include corporate, small business and credit.  He joined PNC in 2007 as a result of the merger between PNC and Mercantile Bankshares Corporation and served as an Executive Vice President for Corporate Banking in the Greater Maryland region.

Mr. Turner serves in various capacities with a number of non-profit organizations including as a board member of Baltimore Volunteers Unlimited, the Cristo Rey Jesuit High School and Living Classroom Foundation

Mr. Turner holds a bachelor’s degree from Washington and Lee University in Lexington, Virginia and his Juris Doctor from the University of Baltimore.  Frank currently resides in Baltimore with his wife Francis and his children.

 

Steve Poynot

Steven M. Poynot, Executive Vice President, Chief Information Officer

A banker for his entire career, Steve currently serves as an Executive Vice President and Chief Information Officer for Howard Bank. He has held several leadership positions including Chief Administration Officer and Chief Credit Officer, where he spent a period of time building out the commercial banking infrastructure for Howard Bank with the creation of the Credit department as well as the Client Services Support Team. Prior to moving into a Senior Management role at Howard Bank, Steve was a Relationship Manager focused on growing the commercial customer portfolio with a mix of commercial businesses as well as commercial real estate clients. Prior to joining Howard Bank, he was a member of the Commercial Real Estate Lending group for Mercantile-Safe Deposit & Trust Company (Now PNC Bank), located in Baltimore, MD.

Since joining Howard Bank in 2005, and moving into the Howard County community in 2006, Steve has been involved in a number of community organizations. He currently serves on the Board of the House of Ruth. He served for ten years on the Board of The Howard County Arts Council (President & Treasurer), a Board member of The Bright Minds Foundation (the educational foundation for the Howard County Public Schools), he is a past member of various committees for Leadership Howard County, as well as a member of the Howard County Spending Affordability Committee from 2012 - 2018. A 2011 graduate of Leadership Howard County, he has been recognized as a Next Leader in Banking from the MBA, Howard County’s Finest 39 under 39 from the Cystic Fibrosis Foundation, and the Baltimore Business Journals 40 under 40. He graduated from the University of Baltimore with a Bachelor’s Degree and from Loyola University of Maryland with his MBA.

Steve and his wife live in Ellicott City with their three children.

 

Drew McKone, Executive Vice President, Chief Deposit Officer

As Chief Deposit Officer, McKone oversees all aspects of the branch network and the consumer lending department, including the development and execution of a strategic plan to align with the bank’s business plan and goals.

A former Lieutenant Colonel in the United States Marine Corps, Drew came to Howard with more than 20 years of banking experience. Most recently, he served as the Chief of Staff for the Maryland Department of Human Resources and has held various management positions at both Capital One Bank and M&T Bank in the Baltimore/DC metropolitan area. He holds an Executive Master’s Degree in Leadership from Georgetown University and has a Bachelor of Arts, History and Psychology from Virginia Military Institute, Lexington.

 

 

HOWARD BOARD OF DIRECTORS

Mary Ann Scully

Mary Ann Scully, Director

Mary Ann Scully is the Chief Executive Officer of Howard Bank and is Chairperson of its board of directors. A lifelong banker with more than 40 years of varied executive experiences in the Maryland marketplace, Mary Ann led Howard Bank’s acquisition of 1st Mariner Bank in 2018 creating Baltimore City’s largest locally headquartered banking company and Maryland’s fourth-largest locally headquartered bank with more than $2 billion in assets.

After heading the organizing team that launched Howard Bank in 2004, Mary Ann led the company through 11 capital raises and SEC Act 34 registration as well as five business combinations. Prior to helping launch Howard, Mary Ann was employed by Allfirst Bank from 1973 through April 2003. She served in a number of senior positions including, Executive Vice President for Regional Banking, Executive Vice President for Community Banking, Senior Vice President for Strategic Planning, Senior Vice President for Mergers and Acquisitions, and Senior Vice President of International Banking.

Today, Howard Bank is a leading banking institution in Greater Baltimore serving small and medium-sized businesses in Anne Arundel, Baltimore, Harford, Cecil and Howard Counties as well as select businesses in Delaware from its headquarters in Baltimore City. The bank also operates regional commercial offices in Howard, Anne Arundel and Harford counties and Newark, Delaware, as well as community branch offices throughout its regional footprint.

Mary Ann is a trustee of the Enoch Pratt Library, Loyola University of Maryland, Mount St Joseph College high school and serves as Vice-Chair of the Greater Baltimore Committee.  She is also a trustee for the Community Foundation of Howard County Real Estate Board, and the Inner Arbor Trust. She is a past president of the board of Catholic Charities,  past chair of The Community Foundation of Howard County and past chair of the Maryland Bankers Association,  as well as a  past board member of the Baltimore Federal Reserve and served as a Community Advisory board member for the FDIC. She also was a member of the Maryland Economic Development and Business Climate Commission. She is a 2007 graduate of Leadership Maryland.

Mary Ann has been recognized publicly for her achievements in business and for her works in the community. In 2018, Mary Ann received the Industrialist of the Year award from the Baltimore Museum of Industry. She was an EY regional entrepreneur winner in 2017 and was recognized as one of the Power 10 in greater Baltimore by the Baltimore Business Journal. She was named one of the Top 25 Women to Watch in Banking by American Banker newspaper in 2016 and 2017.  In 2012, 2015 and 2016 she was named a Most Admired CEO and was a winner of a 2012 Trailblazer Award presented by the Baltimore Center Club. In 2008, 2012 and 2016 Mary Ann was named an Influential Marylander by The Daily Record, and in 2002, 2005 and 2007, she was recognized as one of Maryland’s Top 100 Women by the newspaper. She is a Loyola University Alumni laureate and a Seton Hill University Distinguished Alumna.

Richard Arnold

Richard Arnold, Director

Mr. Arnold has served as a director of Howard Bancorp since its formation in 2005 and has served as a director of Howard Bank since its inception in 2004. Mr. Arnold is the Vice President and co-owner of The John E. Ruth Company, Inc., a plumbing and heating firm, having served in that capacity since 1983, and is the Managing Member, Vice President, and co-owner of Madison Mechanical Contracting LLC. He is also the Managing Member, maintains ownership in, and is active in the management of various real estate holdings. Mr. Arnold is an organizing director of Howard Bank.

James Dresher

James T. Dresher Jr., Director

Mr. Dresher has served as a director of Howard Bank since March 2018 and served as Director of 1st Mariner Bank from June 2014 until March 2018. He is currently the Founder/CEO of Skye Asset Management, LLC, headquartered in Baltimore. Beginning in 1972, Mr. Dresher developed and co-owned twelve McDonald’s restaurants. During his eighteen-year career with McDonald’s, he served in many regional and national leadership positions and won numerous awards for operational excellence. In 1995, Mr. Dresher founded Skye Hospitality, an entity that developed, owned, and managed ten hotels in the Baltimore region. Skye’s portfolio included six Marriott and Hilton hotels which were sold in 2012.

Mr. Dresher currently serves on the boards of Johns Hopkins Hospital, Johns Hopkins Health System, and Johns Hopkins Bayview Medical Center, where he just concluded seven years as Chairman. Mr. Dresher formerly served on the board of the Greater Baltimore Committee and was a founding member of Baltimore’s Ronald McDonald House.

Gary Dorsch

W. Gary Dorsch, Independent Director

Mr. Dorsch has served as a director of Howard Bank since March 2018 and has served as president of Keyser Capital, LLC, a private equity and real estate investment company and wholly-owned subsidiary of Sinclair Broadcast Group, Inc. since January 2007. Prior to joining the Howard Bank Board, Mr. Dorsch was a director of 1st Mariner Bank from June 17, 2014 until the merger with Howard Bank. In 1999, Mr. Dorsch founded and currently co-manages Allegiance Capital LP, a licensed small business investment company. Prior to Allegiance, he spent 24 years with Bank of America and its predecessor banks in Maryland. Mr. Dorsch is Chairman of the Board of Managers of Triangle Sign and Service, LLC, a commercial sign company. Mr. Dorsch spent more than a decade on the board of Maryland 529 (formerly College Savings Plans of Maryland) where he was chairman of the audit and finance committee. Mr. Dorsch received his Bachelor of Science degree from Towson University and received his MBA from Loyola University Maryland.

Howard Feinglass, Representative of Priam Capital

Howard Feinglass, Director

Mr. Feinglass has served as a director of Howard and the Bank since March 2018 and had served as a director of 1st Mariner Bank since June 17, 2014. Mr. Feinglass is an investment professional and the founder of Priam Capital. Before founding Priam Capital in 2003, Mr. Feinglass managed the investments of a family office with more than $1 billion of assets under management and was also a principal in the private equity group of Odyssey Partners. Mr. Feinglass received an MBA from the University of California, Los Angeles and an A.B. from Brown University.

Michael B High

Michael B. High, Director

Michael High brings a unique perspective to the board, with his in-depth background in banking combined with his knowledge of private equity. With more than 35 years of banking experience, he is currently a partner at Patriot Financial Partners LP, a private equity firm that invests in banks. His career experience includes senior management positions at Harleysville National Corporation, Progress Financial Corporation, CoreStates Financial Corporation and Meritor Savings Bank.

Donna Hill Staton

Donna Hill Staton, Director

Ms. Hill Staton has served as a director of Howard and Howard Bank since 2009. Ms. Hill Staton is an attorney and member of the Maryland Bar since 1982. She is a co-founder and principal of the strategic advice and crisis mediation consulting firm, Decision Point Strategy Group, LLC, and a founding partner of the law firm, Staton & Nolan, LLC, d/b/a Decision Point Law.

Following the completion of a federal judicial clerkship with the Hon. J. Joseph Howard, Ms. Hill Staton joined the law firm of Piper & Marbury, LLC (now DLA Piper) where she was elected partner in 1993. Her commercial litigation practice included the representation of financial institutions and other businesses in state and federal courts and commercial arbitrations. After a period of service as a Maryland circuit court judge, Ms. Hill Staton was appointed Deputy Attorney General of the State of Maryland, a position she held from 1997-2006. As chief deputy, she assisted the Attorney General with supervision of an office of nearly 600 employees, a multi-million dollar budget and responsibility for the delivery of legal advice, counsel and representation of all branches of Maryland government; enforcement of the state’s antitrust, consumer protection and securities laws; criminal investigations; and representation of the State in all criminal appellate appeals. For 14 months, beginning in December 2015, Ms. Hill Staton returned to the office as deputy attorney general in a different administration.

Ms. Hill Staton is member of the George Washington University Board of Trustees.  She is also a former trustee of the Client Protection Fund and has served on the Maryland State Board of Education and on the boards of the Howard County Bar Foundation, the Baltimore Education Scholarship Trust and Leadership Howard County, among others. She is a graduate and former director of Leadership Howard County, and the recipient of numerous professional and civic honors and awards, including recognition as one of Maryland’s Top 100 Women by the Daily Record, Women of Achievement in Maryland History, the Daily Record Leadership in Law Award, Towson University’s Distinguished Black Marylanders Award and the Alliance of Black Women Attorneys Legacy and Trailblazer awards. Ms. Hill Staton is a graduate of Princeton University and the George Washington University School of Law.

John Keenan
 

John J. Keenan, Director

Mr. Keenan has served as a director of Howard and Howard Bank since 2014. Mr. Keenan is a retired KPMG LLP (“KPMG”) partner. Mr. Keenan joined KPMG in 1975 and worked there until his retirement in 2011, including serving as Managing Partner of KPMG’s Baltimore office from 1994 to 2005 and the Washington, DC office from 2005 to 2009 and as Partner-in-Charge of the audit practice for the Washington/Baltimore Business Unit from 2005 to 2011. Mr. Keenan is a certified public accountant and has extensive experience serving community banks, as well as companies in other industries. Given his experience as a partner at KPMG, Mr. Keenan also has knowledge in mergers and acquisitions, SEC rules and regulations, public offerings and internal control over financial reporting matters. He also serves on the boards of several not-for-profit entities, including Baltimore Center Stage, Episcopal Housing Corporation and Notre Dame of Maryland University.

Robert Kunisch
 

Robert D. Kunisch, Jr., Director

Mr. Kunisch has served as President of Howard Bank and as a Member of their Board of Directors since March 1, 2018. Mr. Kunisch has spent his entire banking career in Maryland, beginning in 1990 at Mercantile-Safe Deposit and Trust Company and, later, its acquirer, PNC Bank. Mr. Kunisch held various management positions throughout his tenure with Mercantile and PNC. In 2008, Mr. Kunisch joined Wilmington Trust FSB as the Director of Commercial Banking. He later was promoted to President of Wilmington Trust, FSB — Maryland and assumed the additional responsibilities of running wealth management in Maryland. When M&T Bancorp acquired bank in 2011, he opted to pursue his desire to work at a community bank by serving as a consultant to the 1st Mariner Bancorp board in 2012. He and Mr. Steil led the group of local Baltimore investors who acquired 1st Mariner in 2014. Upon the completion of the acquisition, Mr. Kunisch was named President and Chief Operating Officer of the Bank and was appointed to the Board of Directors. In 2017, he was promoted to Chief Executive Officer. Mr. Kunisch has served in the past as Chairman of Saint Ignatius Loyola Academy and a board member of various entities related to Catholic Charities. His past community involvement includes the United Way and the Independent College Fund. He is currently a trustee at Stevenson University and Director of the Maryland Bankers Association. 

 

Paul I. Latta Jr, Director

Mr. Latta has served as a director of Howard Bank since its formation in 2005 and has served as a director of Howard Bank since 2004. Mr. Latta serves as Managing Member of ERIS Technologies LLC, a company developing 3-D software solutions for managing emergency situations. Prior to that Mr. Latta served as a Senior Vice President of The Rouse Company, a real estate development firm, from 1968 to 1999. Mr. Latta is an organizing director of Howard Bank.

Kenneth Lundeen

Kenneth C. Lundeen, Director

Mr. Lundeen has served as a director of Howard since its formation in 2005 and has served as a director of Howard Bank since 2004. At the end of 2019, Mr. Lundeen retired as President, Chief Executive Officer, and a co-owner of Environmental Reclamation Company, a diversified environmental services company, and had held this position for more than five years. Mr. Lundeen previously served as the President and Chief Executive Officer of C.J. Langenfelder & Son, Inc., a diversified construction contracting firm from 1995 to 2004, and as Chairman of its successor Conrad Capital Corporation, an asset holding company, from 2004 to 2012. Mr. Lundeen served on the board of directors of the Baltimore Branch of the Federal Reserve Bank of Richmond from 2001 to 2006. He is an attorney and actively practiced in Maryland, specializing in corporate and business law and representing small to medium-sized private and publicly held companies, from 1972 until 1988. Mr. Lundeen is an organizing director of Howard Bank.

Thomas P ONeill

Thomas P. O'Neill, Director

Mr. O’Neill has served as a director of Howard and Howard Bank since 2015. He was a director of Patapsco Bancorp, Inc. and The Patapsco Bank from 1995 (and served as its Chairman of the Board of Directors from August 1999) until August 28, 2015, when they merged into Howard and Howard Bank, respectively. He was a partner in the accounting firm of Hertzbach and Company. Previously, he was a managing director of RSM McGladrey, Inc. and the managing partner of the regional accounting firm of Wolpoff & Company LLP, which merged with American Express Tax and Business Services in 1998. He joined Wolpoff as a staff accountant in 1974 and became a partner in 1983. Mr. O’Neill is a member of the American Institute of Public Accountants and the Maryland Association of Certified Public Accountants. He has served on the boards of many charitable and civic groups.

Robert W Smith

Robert W. Smith Jr., Director

Mr. Smith has served as a director of Howard and Howard Bank since 2012. Mr. Smith is a practicing attorney and has been a partner at the law firm of DLA Piper LLP (US) since 1983. He has served in many leadership roles at DLA Piper, including being a member of the firm’s executive committee and acting as a national and global practice group leader. Mr. Smith also has served on the boards of several not-for-profit entities, and is presently a member of the board of Baltimore Center Stage.

Jack Steil

Jack E. Steil, Director

Mr. Steil has served as a director of Howard and the Bank since March 2018 and has served as Chairman of the Board of 1st Mariner since June 17, 2014 and served as 1st Mariner’s Chief Executive Officer from June 17, 2014 until July 2017. Mr. Steil is an experienced community bank executive who has spent his career in 1st Mariner’s local markets. Mr. Steil started his career in Mercantile-Safe Deposit and Trust Company’s auditing department in 1970 and he held successively more senior management positions at this Baltimore-based bank until his retirement in 2002, including serving on its board of directors and as Chairman of Credit Policy. Mr. Steil returned to banking in 2005 at Susquehanna Bank, then moved to Wilmington Trust FSB in 2007. After serving as a consultant to the 1st Mariner board of directors beginning in 2011, he and Mr. Kunisch led the group of investors who acquired 1st Mariner in 2014.