Mr. Michael F. Croxson, also known as Mike, has been Vice Chairman of Seneca One Finance, Inc. since October 2014 and serves as its President and is responsible for the leadership of the major support functions of the Bank, including marketing, human resources, operations, information technology, enterprise risk and information security, compliance and data analytics. Mr. Croxson has been Chief Operating Officer of Bay Bank FSB and Executive Vice President of Bay Bank FSB at Bay Bancorp, Inc. since July 2016. He has been President of CareOne Services Inc. since 2005. He served as Chief Operating Officer of Ascend One Corporation since 2000. He joined Ascend One Corporation, parent company of CareOne Services Inc. and Amerix Corporation in 1999 as Chief Human Resources Officer. He is responsible for all facets of day-to-day business operations of Ascend One, ensuring that the financial fitness coaching offered by CareOne Services Inc. truly provides the support and expertise consumers need to be successful and is focused on its direct consumer and business client services, technology and process management, human resources and organization development. Mr. Croxson has worked with growth-oriented public and privately-held financial services businesses in senior operating roles for nearly 30 years during which he served as President, Chief Operating Officer or Chief Human Resources Officer in specialty finance, consumer credit, bankcard processing and commercial banking organizations. His expertise is in tying growth strategies, human capital and management practices and operating and technology innovations to drive successful financial performance. Mr. Croxson served as President of Amerix Corporation since 2002. He has nearly 20 years of experience in the financial services industry. Prior to joining Amerix, he worked at Synovus Financial Corporation in Columbus, GA, where he was Senior Vice President of Human Resources. He serves as President of the Board of Directors for Maryland Works. He is also a Trustee of the Columbia Foundation. He is a Member of the Board of Directors for St. John's Parish Day School. He earned his undergraduate degree from the University of Virginia and completed advanced studies at Duke University.