KATHY CARRICO Carrollton Financial Advisor/AVP 618-498-5707 Email Kathy Kathy went to Jersey Community High School and worked for Heritage Savings and Loan for 10 years before joining us in 1990. She helps customers with their college, retirement and general investment needs. RICK DYER Commercial Loan Officer/ EVP 618-467-3088 Mobile 618-535-7070 Email Rick Rick has been with Carrollton Bank for 20 years. After receiving his Masters Degree from Illinois State University and completing the CPA examination Rick joined the bank and has held various positions including CFO and COO. He now helps business owners throughout the St. Louis area borrow the money they need. LORI FRESHOUR Branch Manager/VP 618-467-1700 Email Lori Lori joined Carrollton Bank in 1996. Her banking career started in 1986 at Bank of Alton and Illinois State Bank. Lori focuses on helping customers and business owners with checking, savings and cash management. In addition, Lori is responsible for the management and direction of the Retail staff and Retail products and services for all 7 Carrollton Bank branches. CHERI GINERIS Senior Loan Representative 618-467-3083 Email Cheri Cheri has been with Carrollton Bank since 2002. Prior to joining us, she worked at a local title company as a loan closer. She makes consumer loans of all types. JOHN KELLER Commercial Loan Officer/Regional President 618-467-3010 Mobile 618-791-8792 Email John John grew up in Alton graduating from Marquette High School, followed by Benedictine College in Atchison, Kansas. He has been in banking since 1982 and with Carrollton Bank since 1996, helping numerous commercial business clients with their banking needs. John has also served the community in various volunteer and non-profit board positions. TERI PATSAROS Senior Loan Representative/AVP 618-467-3011 Email Teri Teri graduated from East Alton-Wood River High School and attended Lewis and Clark Community College. She worked for Illinois State Bank in East Alton for 11 1/2 years before coming to Carrollton Bank in 1996 to open the Alton Branch. JUDY WELLER Assistant Branch Manager 618-467-1700 Email Judy Judy grew up in Jerseyville, attended Jerseyville High School, Lewis and Clark College, and now resides in Alton. Before coming here in 2006 she had 10 years management experience. She helps customers with a wide variety of banking services.

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