CENTRAL CAROLINAS
Middle Tennessee
O U R STO RY After the largest capital raise in Alabama’s history at the time, we officially opened our doors to the public on March 31, 2008. Over the years, our reputation has steadily grown as we aim to set the standard for safety and soundness. In 2016, we expanded our markets in Alabama, adding a South Alabama office in Mobile. In 2020, we expanded to the state of Tennessee, opening a Middle Tennessee office in Brentwood. And most recently, in 2023, we opened our doors in the Central Carolinas.
In November 2022, Oakworth began trading on the OTCQX Best Market under the trading symbol OAKC, enabling a more elevated trading experience for our shareholders. All managing directors and the majority of our associates directly own shares of the company. We believe this instills a strong business-owner mentality throughout the company.
In addition to your client team, our bank’s leadership team consists of experienced and well-versed individuals, allowing us to offer a wide range of Commercial and Private Banking, Wealth Management and Advisory Services. Our core values and mission provide the foundation for how we serve our clients, support our associates, create value for shareholders and engage with our communities. Learn more about our growth in Central Carolinas: oakworth.com/our-team/central-carolinas/ This section describes the history of Oakworth Capital Bank and its owner, Oakworth Capital Inc. Oakworth Asset Management, LLC, however, launched in 2025.
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Central Carolinas
Oakworth Capital Bank 6000 Fairview Road, Suite 125 Charlotte, NC 28210
CONTENTS Why We’re Growing in the Central Carolinas
4
Central Carolinas Market Board
6
What We Do
8
Safety & Soundness
15
Exceeding Expectations
17
Thought Leadership
19
Our Team
21 O A K WO RT H C A P I TA L B A N K 3
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Why We’re Growing in the C E N T R A L C A R O L I N A S
4 O A K WO RT H C A P I TA L B A N K
and markets with like-minded talent and companies.
unique is our people, the level of personalized service
We identified many of these qualities in the Central
they have experienced, and the fact that we consistently
Carolinas, making it a natural fit for our continued growth.
Central Carolinas
Our clients have shared that what makes Oakworth
aim to make our clients’ financial lives easier. Many organizations have great people, but our professionals aim
One of Oakworth’s core values is Innovative & Creative
to organize around the client—with the express purpose of
Spirit. We have found potential for that spirit in Charlotte
delivering consistent and distinctive service. The Central
and the Central Carolinas. This market is home to industry
Carolinas represents a significant opportunity for us to
leaders in advanced manufacturing, financial services, energy,
extend that level of service to a vibrant, thriving market.
technology, healthcare and other commercial enterprises.
We aspire to become an iconic brand in financial services
We are confident our approach to providing expertise and
through a steadfast commitment to our values and our
capital will support growth for professionals, business owners
client-centered approach.
and their families and contribute to the overall success in the Central Carolinas.
As we enter a new market, we look for great leaders and associates who believe in our core purpose and share our core values (Golden Rule, Character, Innovative & Creative Spirit, Professionalism and Work Ethic). Next, we look at a few fundamental characteristics within markets: critical mass for our targeted approach; markets that are receptive to our approach; markets that are dominated
Scott B. Reed
by larger super-regional and regional financial institutions
Chief Executive Officer & Chairman of the Board O A K WO RT H C A P I TA L B A N K 5
Central Carolinas
MARKET BOARD This group of talented professionals has demonstrated leadership in the business community and have a vested interest in helping their communities, businesses and families succeed. They represent a multitude of industries and exemplify our core purpose and values. These leaders are playing a key role in the development of our Central Carolinas market.
Members of Oakworth’s Market Board may be current or former clients of Oakworth Asset Management and may receive compensation. Board membership is intended to provide market perspectives and does not constitute an endorsement of Oakworth Asset Management, its advisory services or investment performance. A member’s views are their own and may not reflect the views of Oakworth Asset Management.
Central Carolinas
Market Board Members David B. Tucker C.M. Tucker Lumber Companies, LLC Holly Welch Stubbing President & CEO National Philanthropic Trust Thomas Hunter, IV Managing Director Anderson LeNeave & Co. Morrison Creech Retired Head of Private Banking Wells Fargo Kimberly Mize President & Chief Executive Officer Kimberly Mize Consulting Blake Evans President & Chief Executive Officer Salem Capital
Steve Smith President The McAulay Smith Firm Patricia Propst Finance & Operations Executive Director, Wray Ward Brent Beason President & CEO B&W FiberGlass Inc. Hugh Shannon Retired Managing Director Bank of America Harrison Lord Managing Member Lord & Lindley, PLLC Andy Giraldo President & CFO NARENCO O A K WO RT H C A P I TA L B A N K 7
What we do COMMERCIAL & P R I VA T E B A N K I N G
Our Client Advisors are experienced in the financial complexities of personal, commercial, industrial and professional businesses and aim to exceed clients’ expectations by providing thoughtful, responsive service tailored to your needs. We first meet with you to understand your unique needs and goals for the future, and then coordinate a multidisciplinary team of financial professionals to create a tailored strategy. We understand that personal assets are often inextricably intertwined with business assets. By bringing our substantial experience to bear, we offer unique integrated solutions to manage both corporate and personal financial growth.
Deposit Services
Lending Services
Treasury Management
Commercial
Commercial
•
Sweep Accounts
•
Checking
•
Working Capital Lines of Credit
•
Online Banking/Bill Payment
•
Money Market
•
SBA Lending
•
Debit Cards
•
Savings
•
Equipment Financing and Leasing
•
ACH/Direct Deposit
•
Certificate of Deposit
•
Owner-Occupied Real Estate
•
Zero-Balance Accounts
•
Investment Property
•
Positive Pay
•
Wire Services
Personal
•
Remote Deposit
•
Lines of Credit
•
Travel Cards
•
Home Equity Lines/Loans
•
Gift Cards
•
Construction Loans
•
Lock Box Services
•
Margin Loans/Lines
•
Corporate Credit Cards
Personal •
Checking
•
Money Market
•
Savings
•
Individual Retirement
•
Certificate of Deposit
•
Mobile Deposit
•
Mobile Wallet
•
Card Suite Lite
•
Zelle
These services are provided solely through Oakworth Capital Bank. No services mentioned above are offered by Oakworth Asset Management, LLC.
Central Carolinas
Commercial & Private Banking Services
O A K WO RT H C A P I TA L B A N K 9
What we do W E A LT H MANAGEMENT
Complex financial situations often require sophisticated solutions. We take both a broad view and a deep dive to help manage trust and estate needs today—and for generations to come. Our experienced staff of fiduciary professionals provides comprehensive trust and estate administration services. These can include: assisting with generational wealth transfers, providing invoice management strategies, coordinating the activities of other trusted advisors, overseeing governing documents, managing unique assets, and a host of other services we designed to make your financial life easier.
Central Carolinas
Wealth Management & Trust Services Estate Administration
Personal Trust Services •
•
Full discretionary trustee services
•
Directed trust services
•
Investment Management
•
Oversight of governing documents
•
Invoice management strategies
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Fiduciary tax return filing
•
Paying debts, funeral costs, and taxes
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Client advisor coordination
•
Handling income, estate, and capital
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Real estate management held in trust
•
Overseeing probate and
•
Timberland
will administration
•
Mineral interests
•
Valuing and collecting estate assets
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Closely held businesses
•
Managing jointly held property, life
•
LLCs
insurance, and retirement accounts
•
Commercial property
gains tax matters •
Preparing and filing estate tax returns with post-mortem planning
Planning that supports asset preservation for future generations
Unique Trust Assets
•
Coordinating with accountants on final and fiduciary tax returns
•
Preparing detailed estate and fiduciary accounting
•
Transferring assets to beneficiaries
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Executing complex estate plans
•
Providing tax details to beneficiaries
O A K WO RT H C A P I TA L B A N K 11
What we do ADVISORY SERVICES
Managing both the broad view and the complexities of your wealth management needs is our hallmark. Our holistic approach allows us to manage assets not just for today, but for generations. We aim to address your evolving wealth needs by offering tailored solutions, a comprehensive view of your financial landscape and advanced digital tools. Our goal is to enhance the client experience and help you achieve your financial goals. Oakworth Asset Management offers a comprehensive range of financial planning services – from wealth management and retirement planning to philanthropic strategies, risk assessment and generational planning. We take a personalized approach to financial planning; our goal is to help you navigate the intricacies of the marketplace, investment opportunities and wealth management.
Central Carolinas
Financial Planning
There are key issues that may affect a client’s financial planning outcomes. By building a customized wealth management strategy around your unique needs, we are positioned to effectively address these issues. Together, we will help you achieve financial security by growing and protecting your wealth, making a positive impact and planning for the future.
Guided Planning Solutions
Estate Planning
Cash Flow Management
Retirement Planning
Insurance and Risk Managment
Tax Planning
Multi-Generational Planning
Philanthropic Planning
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Central Carolinas
Guided Planning Solutions Build Your Financial Foundation GPS is well-positioned to navigate the journey ahead with an organized planning strategy focused on four critical areas:
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What we do INVESTMENT MANAGEMENT
We believe the most critical decision in investing is asset allocation—specifically, how much to invest in stocks versus other assets. Historically, stocks perform well when the economy grows. As such, our investment strategy hinges on our macroeconomic forecast. To guide our approach, we evaluate economic direction, key sectors and the outlook for corporate profitability.
Since economic downturns typically follow financial panics, which are rare, we generally maintain a market-weight or overweight in stocks relative to fixed income, assuming all other factors remain equal.
Central Carolinas
SAFETY &SOUNDNESS
This section describes the performance and financial position of Oakworth Capital Bank. Although Oakworth Capital Bank owns Oakworth Asset Management, LLC, the content on the following page does not reflect Oakworth Asset Management, LLC’s financial position.
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S T R O N G & P R O F I TA B L E FINANCIAL POSITION Oakworth Capital Bank aims to be one of the safest financial institutions in the U.S., with a well-capitalized balance sheet, consistent high credit quality and a track record of profitability.
$2.1
$2.96
Billion in Total Assets
Billion in Wealth Assets unaudited, as of June 30, 2026
CONSISTENT HIGH CREDIT QUALIT Y
Allowance for Credit Losses (ACL)/Loans, net
1.2%
W E L L - C A P I TA L I Z E D BALANCE SHEET
for more information, see call report at fdic.gov
JUNE 30, 2026
Non-Performing Loans/Loans, net
Total Capital Ratio
Net Loan Charge-Offs/Avg Loans
Tier 1 Capital Ratio
.7%
(Total Capital to Risk Weighted Assets)
0.1%
(Tier 1 Capital to Risk Weighted Assets)
as of and for YTD period ended June 30, 2026
(Tier 1 Capital to Average Total Assets)
Leverage Ratio
11.9%
10.0%
10.7%
8.0%
9.6%
5.0%
Oakworth Capital Bank, Member FDIC, Equal Housing Lender, serves business owners, professionals, families and individuals across the U.S. from its headquarters in Birmingham, Alabama, as well as from the Central Carolinas, Middle Tennessee and South Alabama. Oakworth offers deposit products that are FDIC insured up to applicable limits. Deposit products offered by Oakworth Capital Bank are FDIC insured up to applicable limits. Non-deposit products including investments are not FDIC insured, provide no bank guarantee, are not a deposit and may lose value.
O A K WO RT H C A P I TA L B A N K 17
Exceeding E X P E C TAT I O N S We have a vision to become the iconic brand in financial services. When comparing ourselves to iconic brands such as Ritz Carlton, Starbucks and Chick-Fil-A, we compare favorably in client service.
95 Net Promoter Score* Best Bank to Work For #1 from 2018-2023; #2 in 2024 & 2025 American Banker Magazine A+ Health Rating Depositaccounts.com Fastest Growing Companies 2020, 2019, 2018 & 2016 Inc. 5000
95% Oakworth Client Retention* *FISCAL YEAR 2025
The above statistics and awards are only attributable to Oakworth Capital Bank. Although both entities share supervised persons, this in no way attests to the performance or rating of Oakworth Asset Management, LLC.
Central Carolinas
Seeing It F O R YO U R S E L F Our Culture Video:
oakworth.cc/2024-culture
Our Leadership Video:
oakworth.cc/2026-founders
Our Central Carolinas Video:
oakworth.cc/centralcarolinasvideo
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Thought LEADERSHIP We believe communication is the key to successful client relationships. While sharing useful information is beneficial, regardless of source, we believe in the value proposition of developing and having our own experts and ideas. By generating our own market commentaries, economic newsletters, topical subject analysis and serials, and even conversational podcasts and videos, we aim to show our clients that we are using our knowledge, creativity and expertise to help them succeed.
Scan our QR code for all of our content or to subscribe to our publications.
20 O A K WO RT H C A P I TA L B A N K
Central Carolinas
Our Podcast Trading Perspectives In this podcast, John Norris shares market commentary and insights on current events. Trading Perspectives can be found on Apple Podcasts, Spotify, Google Play, Youtube and all other major podcast outlets.
Our Blog Common Cents Started over 20 years ago, Common Cents is a weekly blog written by Chief Economist John Norris detailing and explaining the events that impact our economy. John distills the latest information, attempting to make it easy to understand how these events affect daily life.
Our Magazine Macro & Market Perspectives This print and digital magazine is designed to provide education and unique insight into specific factors that are currently driving the economy. Each quarterly issue includes an economic overview as well as updates on the equity and bond markets, asset allocation and relevant economical issues. O A K WO RT H C A P I TA L B A N K 21
MEET OUR TEAM “ I H E A R O A K W O R T H C A P I TA L B A N K C L I E N T S PRAISE OAKWORTH FOR THE QUALIT Y OF ITS PEOPLE, ITS DISTINCTIVE LEVEL OF SERVICE A N D I TS C O M M I T M E N T TO M A K I N G F I N A N C I A L S E R V I C E S E A S Y. B R I N G I N G T H E O A K W O R T H E X P E R I E N C E TO T H E CA R O L I N A S A R E A W I L L B E A H U G E B E N E F I T F O R C L O S E LY H E L D B U S I N E S S E S , P R O F E S S I O N A L S A N D FA M I L I E S , A N D I ’ M H O N O R E D TO L E A D T H I S E F F O R T. ”
- TIM BECK M A N AG I N G D I R E CTO R , M A R K E T L E A D E R O A K W O RT H C A P I TA L B A N K
Central Carolinas
TIM BECK Managing Director, Market Leader
Office: 704.901.7262 Email: tim.beck@oakworth.com
Mr. Beck brings extensive knowledge and leadership skills to Oakworth Capital Bank, as well as deep roots in the Central Carolinas market. Mr. Beck began his career in the financial services industry in 1988 as a commercial credit analyst with Bank of America (BoA), followed by positions as commercial relationship manager and private banking relationship manager. He has served as market senior lender for the former SouthTrust Bank; corporate lender and business services team leader for BB&T; market manager of home building finance and commercial real estate in North Carolina and South Carolina for First Horizon; regional lending executive for Silverton Bank; senior asset manager for the FDIC’s department of receivership and resolution; and executive vice president and chief credit officer for Aquesta Bank. He also served as chairman of the Chief Credit Officers Peer Committee for the North Carolina Bankers Association. Mr. Beck is a native of Greensboro, NC.
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Central Carolinas
BARRON AKINS Client Advisor, Wealth and Advisory Services
Office: 704.901.7252 Email: barron.akins@oakworth.com Barron Akins is an experienced wealth management professional with more than a decade of experience advising high-networth individuals, families and business owners. He brings a disciplined, strategy-driven approach to portfolio management, investment planning and long-term wealth preservation. In his role with Oakworth, Mr. Akins’ client-focused advisory services are tailored to the complex financial needs of successful individuals and multigenerational families. He provides thoughtful guidance through the many milestones of their financial lives. He focuses on integrating investment management, banking, credit, liquidity, and estate planning considerations into cohesive strategies aligned with client objectives. Prior to joining Oakworth, Mr. Akins served as a vice president and private banking advisor at J.P. Morgan Private Bank and previously held senior advisory and strategy roles at Merrill Lynch/Bank of America and Truist. Throughout his career, he has managed complex client relationships and contributed to enterprise-wide wealth planning and strategic initiatives. Mr. Akins loves spending time with his family, being outdoors, playing tennis or boating on Lake Norman. An avid automotive enthusiast, he serves on the boards of automotive events and enjoys participating in automotive and concours events.
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Central Carolinas
COOPER BROWN Associate, Wealth Advisor
Office: 704.901.7233 Email: cooper.brown@oakworth.com
Mr. Brown is a relationship-focused professional with experience in wealth management & advisory services and middle-market banking. Prior to joining Oakworth, he spent more than three years with Truist Bank, where he participated in the Leadership Development Analyst Program and most recently served on the North Carolina West Middle Market Banking team. He also gained wealth management experience with Rockefeller Capital Management in Florida as a client associate. Partnering with clients to develop informed financial strategies tailored to their individual goals, Mr. Brown is especially passionate about helping emerging professionals build a strong foundation for their financial futures. A native of Winter Park, Florida, he earned both his undergraduate and graduate degrees from the University of Florida, where he served as Student Body President.
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Central Carolinas
J. W I N STO N B U S B Y, J D, L L . M . Managing Director, Head of Wealth Preservation Services
Office: 205.263.4727 Email: winston.busby@oakworth.com
Mr. Busby brings deep experience advising closely held business owners, individuals and families on sophisticated estate, tax and wealth transfer strategies. He partners with Client Advisors across commercial, private and wealth core disciplines to support discovery, design and implementation for complex client relationships. Prior to joining Oakworth, Mr. Busby was a shareholder at the law firm of Dentons Sirote, P.C., where he served on the Board of Directors as well as the Dentons U.S. Region Board. He also served as co-chair of the Trusts, Estates, and Wealth Preservation Practice Group. In his legal practice, Mr. Busby counseled clients on estate and trust planning, wealth preservation, probate and sophisticated tax strategies, with a strong emphasis on minimizing estate and income taxes. He has extensive experience advising on generational transfers, succession planning and fiduciary administration 26 O A K WO RT H C A P I TA L B A N K
Central Carolinas
PAT R I C K D O L E C K I Associate Client Advisor, Private Banking
Office: 704.901.7259 Email: patrick.dolecki@oakworth.com
Mr. Dolecki joined Oakworth in January 2023 as Client Support Lead in the Charlotte office after serving as a Branch Leader at Truist. In his role leading the client support team, he played a key part in driving operational excellence while supporting both clients and colleagues with a high level of service. He began his banking career at PNC Bank in 2012 and over the past 14 years has held various positions that have shaped his development across retail, business, and private banking.
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Central Carolinas
DEREK FRANKLIN Credit Advisor, Commercial Banking
Office: 704-901-7231 Email: derek.franklin@oakworth.com Mr. Franklin brings over two decades of commercial banking experience to Oakworth Capital Bank, with expertise in commercial lending, credit underwriting, portfolio management and relationship banking. As a credit advisor, he partners with commercial and private bank client advisors to structure credit solutions, monitor lending portfolios and help clients navigate complex credit matters. Mr. Franklin earned a degree in accounting from Purdue University and began his banking career as a credit analyst before holding positions with various financial institutions, where he built extensive experience in commercial banking and relationship management. Throughout his career, he has managed commercial loan portfolios exceeding $500 million, underwritten complex commercial and industrial, commercial real estate, syndicated, renewable energy and charter school transactions and provided strategic financial guidance to middle-market businesses. Known for his relationship first approach, he believes client relationships are the foundation of successful banking. He is committed to understanding each client’s unique needs and delivering thoughtful financial solutions that support their long-term goals. Originally from Chicago, Mr. Franklin has been married for almost 30 years and has one daughter. Outside of work, he enjoys reading, working out, spending time with his family and serving through his church. 28 O A K WO RT H C A P I TA L B A N K
Central Carolinas
D AV I D M A C K Client Advisor, Private Banking
Office: 704.901.7264 Email: david.mack@oakworth.com
Mr. Mack brings to Oakworth a long track record of building and managing client relationships by analyzing client needs and long-term goals and building forward-thinking financial, tax and credit strategies. Internally, he has trained and served as a mentor to guide and develop junior colleagues. As a risk leader in his previous roles, he has worked not only to manage risk in banking, but also to ensure regulatory and internal policy compliance. Prior to joining Oakworth, Mr. Mack held several senior positions at Wells Fargo in Charlotte, most recently vice president and senior private banker and senior regional bank private banker. He and his wife, Stephanie, have two boys, Sam and Owen. During his free time, Mr. Mack serves as a Lake Norman Youth Sports coach and enjoys fishing with his boys.
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Central Carolinas
ROBERT MAUND Associate Managing Director, CFP® Wealth Team Lead
Office: 704.901.7232 Email: robert.maund@oakworth.com Mr. Maund brings more than 30 years of leadership experience in financial services to Oakworth. Most recently, he was a managing director and senior advisor at Chilton Trust, nationally chartered wealth management firm where he focused on strategic planning, client development and marketing. He previously spent 27 years with Wells Fargo and its predecessor firms, including roles at Abbot Downing as National Business Development Executive, supporting 13 offices and advising ultra-high-net-worth families. Earlier in his career, he held leadership roles at Wachovia and RBC Centura, where he led advisory teams and helped integrate investment management across platforms. A CERTIFIED FINANCIAL PLANNER® and Auburn University graduate, Mr. Maund is active in both professional and community leadership, having served as chairman of the Investment Committee at First Presbyterian Church and currently chairing the Board of Visitors at Queens University. He also supports the Alzheimer’s Association and the Boy Scouts of America. A native of Augusta, Georgia, Robert is an avid golfer and music enthusiast. He and his wife, Mary Brooks, recently celebrated 35 years of marriage, have three adult children, and split their time between Charlotte and Charleston. 30 O A K WO RT H C A P I TA L B A N K
Central Carolinas
SARA JEAN V E ATC H Client Advisor, CFP® Wealth and Advisory Services
Office: 704.901.7230 Email: sarajean.veatch@oakworth.com
With more than 15 years of experience in wealth management and financial services, Ms. Veatch collaborates with clients on asset allocation and long-term wealth planning across generations. Ms. Veatch is currently working to obtain her Certified Divorce Financial Analyst designation. Before joining Oakworth, she worked for four years at Truist, most recently as wealth strategist and senior vice president in Charlotte. She began her career in private banking at Wells Fargo, first in Charlotte and then in California. Ms. Veatch and her husband, Justin, have three children: Auggie, Amelia and Harrison. She serves on the Saint Luke’s executive board and serves on the boards of Dilworth Little League and Colonial Village. Ms. Veatch stays active when she isn’t in the office, enjoying pickleball, tennis, golf, going to the beach and touring Charlotte on foot to discover the many parks, restaurants and attractions that Charlotte and Central Carolinas have to offer.
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ALICE WOMACK Managing Director, Private Banking Team Lead
Office: 704.901.7251 Email: alice.womack@oakworth.com Ms. Womack serves as the Private Banking Team Lead for Oakworth Capital Bank in Central Carolina. Bringing over 33 years of experience in the banking industry, she began her career with Synovus Financial Corporation/First Commercial Bank, where she held the role of Vice President in the Private Client Group. She joined Oakworth’s Central Alabama Private Banking Team in 2015 and continues to provide tailored financial strategies to high-networth individuals, corporate and professional executives and their families, as well as to small and mid-sized businesses, professional firms, and nonprofit organizations. In addition to her professional accomplishments, Ms. Womack has a long-standing commitment to civic engagement. She served two terms on the Mountain Brook City Council in Alabama and is a Past President of both the Mountain Brook City Schools Foundation and the Mountain Brook Chamber of Commerce. A graduate of Leadership Birmingham and the Momentum Women’s Leadership Program, she has also been involved with several community groups, including the Service Guild of Birmingham and the Junior League, where she is a sustaining member in Charlotte. Now based in North Carolina, Ms. Womack continues her community involvement through her membership in Women Executives and her service on the board of the Mint Museum Auxiliary. 32 O A K WO RT H C A P I TA L B A N K
About Oakworth: Oakworth Capital Bank, Member FDIC, Equal Housing Lender, provides commercial and private banking, wealth management and advisory services. Advisory Services, including investment management and financial planning, are offered through Oakworth Asset Management LLC, a registered investment advisor. Oakworth Asset Management LLC is owned by Oakworth Capital Bank. Investment products and services offered via Oakworth Asset Management LLC are independent of the products and services offered by Oakworth Capital Bank, and are not FDIC insured, may lose value, have no bank guarantee, and are not insured by any federal or state government agency. Because of the ownership relationship and involvement by Oakworth Asset Management LLC associates with Oakworth Capital Bank, there exists a conflict of interest to the extent that either party recommends the services of the other. For additional information about Oakworth Asset Management LLC, including its services and fees, visit adviserinfo.sec.gov. This communication contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained herein should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Investing involves risk of loss including loss of principal. Past investment performance is not a guarantee or predictor of future investment performance. Net Promoter Score® (NPS®) is a client loyalty metric developed by Bain & Company, Inc., Satmetrix Systems, Inc., and Fred Reichheld. NPS results reflect the opinions and experiences of responding clients and may not be representative of all clients. All scores are not indicative of future performance, nor should they be construed as an endorsement of the advisor. Scores may not relate to any one client’s experience and may not be indicative of future client experiences. Investment performance is not a criterion because client objectives vary, and performance reports are rarely audited. No compensation was provided in exchange for survey participation or results.
6000 Fairview Road, Suite 125 Charlotte, NC 28210 O A KWO RT H.C O M