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Mr. Culp, age 64, currently serves in a consulting capacity to the restaurant industry and is involved in several businesses through his company, Culp Enterprises, LLC. Mr. Culp has an extensive background in hotel and restaurant management dating back to the 1970s. Mr. Culp is currently Chairman of Caribbean Restaurant Concepts, Inc. Mr. Culp created Davco Food, Inc., which grew to be the largest Wendy’s restaurant franchise in the world, and served as its Chairman and CEO until it was sold in 1987. During his career, Mr. Culp served as Chief Operating Officer of Holiday Inns and later as President and CEO of Embassy Suites Hotels and the Long John Silvers restaurant chain. Mr. Culp is a resident of Annapolis and serves on the boards of several non-restaurant companies. Mr. Culp has been a Director of the Company an the Bank since 2004. | 