Highly motivated leader with extensive experience managing online and mobile channels; and payments across all channels. Innovative and strategic thinker responsible for USAA’s digital channels and payments. Now responsible for Huntington’s digital channels and payments. Recognized leader in the financial services for strategic innovation in the online, mobile and payments industry. #5 Innovator of the year from American Banker in 2009 and one of the Elite 8 in 2010. Industry leading speaker at major mobile, online and payments conferences in the U.S. Often recognized as the leader and speaker in the mobile banking industry.

SEVP - Business Development and Digital Transformation @ New business development and digital transformation of BBVA Compass's US retail bank. Transforming marketing, product development, client interactions and channels across all of the bank's channels, products and services in the US retail bank. Cultural transformation of development by aligning IT resources along with business resources to develop an agile, startup environment and culture that will develop experiences that help clients feel in control of their short and long term financial needs. From April 2014 to Present (1 year 9 months) Houston, Texas AreaSVP - Head of Digital @ From January 2013 to April 2014 (1 year 4 months) Greater Atlanta AreaSVP, Chief Digital Officer @ • Overall responsibility for Huntington’s digital channels (online, mobile, ATM, and Touch Computing). • Set strategy and led development from end to end – created Huntington’s first Development Center. • Responsible for both the Retail and the Business experience digital experience. From August 2010 to January 2013 (2 years 6 months) Columbus, Ohio AreaExecutive Director @ • Responsible for establishing and articulating the digital vision for a fortune 100 financial services firm. • Manage the day to day operations along with the strategic direction and execution of strategy. • Manage highly motivated teams that focus on the strategy, tactics and modifications of all USAA’s digital channels. • Collaborate across Product Managers, Sales & Marketing, IT, Legal, Corporate Communications and Executive Council to gain consensus on strategic directions and tactical decisions. • Set the agenda and priorities for USAA’s Digital Channels and manage the portfolio of programs and projects. • Manage a $20 - $30 Million budget and multiple complex programs concurrently. • Responsible for Deposit@Mobile, a first in the industry, to allow customers to deposit checks into their accounts with their iPhone or Android device. Over $1 Billion has been deposited using this technology in the first year. • Responsible for Auto Circle - First fully integrated car buying experience on a mobile device that allows customers to Find, Finance and Insure a new vehicle with their mobile device as well as sync with their online experience. • Responsible for USAA’s iPhone App continues to lead the financial services industry with the highest rating in the Apple App Store with a 4+ rating. Executive Director of Payments – 2004 – 2007 • Developed a Payment Warehouse to process all Bill Payments, Funds Transfers and Wires and integrated it with Web Bill Pay so the customers had one view into all of their online and offline transactions. Director of Online Payments – 2002 – 2004 • Created a Money Movement Program and developed the first self-service online financial transactions to include Bill Pay, inter and intra bank transfers and Bill Presentment. Online Program Manager – 2000 – 2002 • Managed most of the development of usaa.com as an integrated financial servicing web site. From January 2000 to August 2010 (10 years 8 months) Director of Programs and Projects @ • Responsible for all programs and projects for American Funds Service Company and American Funds Distributors (third largest family of mutual funds in the U.S.). • Managed a large team of Business Process Engineers, Project Managers and Program Managers to facilitate the implementation of strategic priorities for the two companies. Set strategic direction for business development and managed the execution of the project work. Accomplishments Include: • Y2K compliant in December 2009 - lead a $40 million dollar Y2K effort on time and under budget. • Started americanfunds.com which lead to a full self-service mutual fund investment services and acquisition site. From 1990 to 1999 (9 years)

Bachelor of Business Administration (B.B.A.), Business Administration and Management, General @ Texas State University-San Marcos From 1987 to 1990 Jeff Dennes is skilled in: Internet Banking, Banking, Product Management, E-commerce, Business Strategy, Program Management, Project Portfolio Management, Agile Project Management, Software Project Management, Innovator, Innovative Thinking, Innovation Management, Product Innovation, Financial Sector, Insurance