MetroCity Bankshares MCBS

Mr. Paek is a founder of the Bank, the Chairman of the board of directors and the Chief Executive Officer of the Company, and the Executive Chairman of the Bank. Prior to establishing the Bank in 2006, Mr. Paek was President of a successful SBA service provider, Government Loan Service Corporation, which specialized in originating and servicing SBA loans for banks from 1991 to 2006. Mr. Paek dissolved Government Loan Service Corporation in April 2006 in order to focus his full attention on the success of Metro City Bank. From 1980 to 1990, Mr. Paek was a sole owner of the local CPA firm of Nack Y. Paek, P.C., with its clientele being predominantly members of the Asian immigrant communities. In addition, Mr. Paek was a founding director of Summit Bank Corporation in 1987, where he served as Chairman of the board from 1992 to 1994 and also Chairman of the Audit Committee. Mr. Paek was also the internal audit director of Continental Insurance Companies in the Southern region of the U.S. from 1974 to 1980. From 2002 to 2016, Mr. Paek served as Chairman of the board of directors of the Center for Pan-Asian Community Services, Inc. (CPACS), the largest nonprofit community service organization geared to help Asian immigrants to settle and adjust in the Atlanta metropolitan area. In the early 1990's, Mr. Paek also served as a member of U.S. Small Business Administration Advisory Council in Georgia. Mr. Paek obtained his Bachelor of Science Degree from College of Commerce, Seoul National University and a Master's Degree in Business Administration from Northern Illinois University.

On March 24, 2026, the Board of Directors of the Company designated Mr. Farid Tan as the interim Chief Financial Officer, principal financial officer and principal accounting officer of the Company and the Bank. Mr. Tan, age 68, has served as President of the Company and Chief Executive Officer of the Bank since its inception in 2006. He also served as Chief Financial Officer of the Company and the Bank from July 2019 to October 2021. Mr. Tan has over 40 years of experience in the banking industry. Mr. Tan began his banking career in 1981 through the Executive Training Program at Bank Bumiputra Malaysia Berhad, a Malaysian government-owned bank. During his tenure, he held various positions in Malaysia and New York, including Senior Account Officer, Senior Internal Audit Supervisor, and Senior Foreign Exchange Dealer. In 1993, he was promoted to Assistant General Manager, a position he held until 1999. From 1999 to 2002, Mr. Tan served as Senior Credit Officer at Global Commerce Bank, a community bank based in Doraville, Georgia. He was subsequently appointed President and Chief Executive Officer of Global Commerce Bank, serving in that capacity from 2002 to 2005. In 2006, he became President and Chief Executive Officer of Metro City Bank at its formation. Mr. Tan holds a diploma in accounting from Polytechnic Ungku Omar, Malaysia. He previously served as a member of the Federal Deposit Insurance Corporation's Minority Depository Institutions Subcommittee of the Advisory Committee on Community Banking from 2023 to 2025. Mr. Tan also previously served as a member of the Consumer Financial Protection Bureau's Community Bank Advisory Council from September 2013 to April 2015 and as a member of the Independent Community Bankers of America's Minority Bank Council from April 2015 to April 2016. He has also been affiliated with the Association Cambiste Internationale and the Financial Market Association in both Malaysia and the United States.

Howard Hwasaeng Kim. Mr. Kim has served as a director of the Bank and the Company since 2017. Mr. Kim is currently the Executive Vice President of the Company and Co-Chief Executive Officer of the Bank. Mr. Kim also serves as Chief Lending Officer and Chief Operations Officer of both the Company and the Bank. In this role, he is responsible for leading and supervising the Bank's lending department and the Bank's deposit branches. Prior to his tenure at the Company, Mr. Kim worked at the Korea Development Bank, a wholly state-owned policy bank in South Korea, from 1980 to 1991, where he was responsible for the bank's accounting, loans and foreign exchange transactions. During his time at Korea Development Bank, Mr. Kim also worked in the bank's securities company for six years as the accounting manager and representative manager in the Amsterdam office. From 2000 to 2006, Mr. Kim worked as a loan officer and lending officers at various community banks in Georgia, until starting his position as the Chief Lending Officer of the Bank since Bank's inception in 2006. Mr. Kim was appointed Executive Vice President and Chief Lending Officer of the Company in 2014, and President, Chief Lending Officer and Chief Operating Officer of the Bank in 2016. Mr. Kim graduated from the Hankook University of Foreign Studies with a Bachelor of Science Degree in Business Administration, completed from Seoul National University with KBD MBA and later earned his Master's Degree in Business Administration from Georgia State University.

Mr. Mohdnor has served as our Executive Vice President and Chief Compliance Officer of the Company and the Bank since October 2020 and previously served as the Company's Executive Vice President and Compliance Manager since October 2018 and as the Company's Senior Vice President and Compliance Officer since the inception of the Bank in 2006. Prior to that, Mr. Mohdnor was Vice President and Compliance Officer at Global Commerce Bank from 2001 to 2005. Mr. Mohdnor has over 25 years of financial institution experience with extensive knowledge of financial institution regulatory compliance. He is responsible for the implementation and supervision of the overall compliance program of the Bank, including all Compliance Risk Management programs encompassing AML/CFT, Sanctions Compliance, Fair Lending, Operations, Strategy, and Administration. Mr. Mohdnor received his Bachelor's degree in Business Management from the University of South Alabama, his Master's degree in Master of Business Administration from Mercer University and his Master's degree in Juris Master from Florida State University.

Mr. Patel is the Lead Independent Director of the Company and the Bank. Mr. Patel is also the is the Chairman of our Compensation Committee and has served as a board member since the founding of the Bank in 2006. Mr. Patel is the Managing Member of Amrit & Sons I, LLC and Relax Hospitality, LLC, positions he has held since 1999 and 2010, respectively, and he is also an owner and operator of two hotels in Pensacola, Florida. He currently serves on the Days Inn Advisory Council and was elected to their Board of Directors in 2017 and currently serves as the Board Chairman. He also served as a director and treasurer of Visit Pensacola, Inc. from 2014 to 2016. In addition, he worked as a financial consultant at the Ayco Company from 1993 to 1997. Mr. Patel was educated in London at the City University where he graduated with honors in Economics and Accountancy. He also received a Master's Degree in Taxation from Georgia State University.

Mr. Hungeling is the Chairman of our Audit and Compliance Committee and has served as a board member since November 2020. Mr. Hungeling is a certified public accountant and managing shareholder of Hungeling CPA, PC, a public accounting firm located in metropolitan Atlanta. Mr. Hungeling has been with Hungeling CPA, PC since 1994 and has been the managing shareholder since 2015. Mr. Hungeling has been a member of the American Institute of Certified Public Accountants and Georgia Society of Certified Public Accountants for over 20 years. He has served as a board member of the Atlanta Conference of the St. Vincent de Paul Society and was a founding board member of the Old Fourth Ward Business Association and the Hope-Hill Elementary Foundation. Mr. Hungeling received a Bachelor of Arts degree from the University of Notre Dame and a Master's Degree in Taxation from Georgia State University.

Mr. Lai has served as a director of the Bank since 2010 and a director of the Company since the Company's inception in 2014. Mr. Lai, a native of Malaysia, is currently the managing member of Goldfield Capital, LLC, an operator of commercial real estate ventures, a position he has held since 1996. Prior to 1984, Mr. Lai worked with Hock Hua Bank Berhad in Sabah, Malaysia and was a director of Summit Bank Corporation from 1984 to 2007. Mr. Lai previously served on the board of directors of the Chamblee Chamber of Commerce. Mr. Lai earned an Associate's Degree in Arts from the University of the State of New York, and B.A. in Economics and M.B.A. degrees from Mercer University in Atlanta, Georgia.

Mr. Rhee has served as a board member since the founding of the Bank in 2006. Mr. Rhee currently owns a web design and online marketing company which he founded in 2013. Prior to founding his own business, Mr. Rhee served as the Financial Manager for Trends Menswear from 1993 to 2013. In this role, he was in charge of overseeing the preparation of financial statements, bank records and expert reports. He also previously worked as an Assistant Controller for Manufacturers Hanover Bank in New York from 1990 to 1993, and as a junior auditor for the accounting firm of Ernst & Young from 1987 to 1989. Mr. Rhee graduated from New York University with a Bachelor of Science degree in Accounting.

Mr. Glover has served as a director of the Bank and the Company since January 2022. Mr. Glover currently serves as Chief Investment Officer of STG Investments, a family office based in Atlanta, Georgia. In this role, Mr. Glover is responsible for investments in both the public and private markets and other family office administration duties. Mr. Glover previously served as the Senior Director of Retirement Investments at Cox Enterprises, Inc. (Cox), a privately held global company headquartered in Atlanta, Georgia, from 2012 until the fourth quarter of 2022. In his role at Cox, Mr. Glover oversaw the Growth Fixed Income, Private Equity, and Real Estate investment portfolios of the pension plan. Mr. Glover also has prior related experience with Delta Air Lines and Seabury Group. Mr. Glover is a member of the board of directors of KIPP Metro Atlanta Schools. Mr. Glover, a CFA charterholder, received a Bachelor of Science degree from Davidson College and a Masters of Business Administration from the Kellogg School of Management at Northwestern University.

Ms. Lu has served as a board member since the founding of the Bank in 2006. Ms. Lu has served as an internal controller with Imaex Trading Company, a wholesale frozen foods distributor, since 1997. In this role, she is responsible for preparing monthly financial reports, reviewing and analyzing data for assuring achievement of the organization's objectives in operational effectiveness and efficiency, and compliance matters. Ms. Lu received a Bachelor of Science Degree in Electronic Engineering from Shanghai University of Science and Technology.

John Paek. Mr. Paek has served as a board member since September 2024. Mr. Paek is an attorney licensed to practice law in California, Georgia, New York, and Massachusetts. Mr. Paek previously served as a Principal with Deloitte Tax LLP from 2019 to 2023, providing state income tax compliance, consulting, and controversy resolution services to corporations and other business entities. From 2007 to 2019, Mr. Paek practiced law with Baker McKenzie LLP, serving as a Partner from 2011 to 2019. In addition to providing tax consulting, controversy resolution, and litigation services while at Baker McKenzie, Mr. Paek was a member of their Global Indirect Tax Steering Committee and an editor of their North American Tax Practice Group Newsletter. From 2006 to 2007, Mr. Paek practiced law with Sullivan & Worcester LLP as an Associate, assisting in state tax litigation matters and providing state tax consulting services. Prior to 2006, Mr. Paek was a state tax consultant with Ernst & Young LLP and completed a two year rotation through Ernst & Young's National Tax Department in Washington D.C., assisting with quality control evaluations of technical opinions and the coordination of a national state and local tax consulting practice. Mr. Paek graduated magna cum laude from Georgia State University with a Bachelor of Arts in English Literature. Mr. Paek obtained his Juris Doctor from the Georgetown University Law Center and his Masters of Law in Taxation from Boston University. Mr. Paek's experience and status as a licensed attorney brings to the board valuable legal and tax expertise.

Mr. Shim has served as a director of the Bank and the Company since June 2025. Mr. Shim is a software engineer and the founder and President of DSS Consulting, LLC (DSS Consulting), a software engineering consulting firm established in January 2024. Prior to founding DSS Consulting, Mr. Shim served as a Software Development Platform Lead at Tack Mobile, LLC for eight years, where he led key initiatives in software architecture and platform integration. From 2008 to 2015, Mr. Shim was a financial and tax consultant at Novosad, Lyle & Associates, PC, where he provided strategic financial and tax guidance to a diverse client base. Mr. Shim received a Bachelor of Arts in Economics, with a concentration in finance and accounting, from the University of Illinois Urbana-Champaign.