30 JUN 2021 · David Rubinger: His Path to Publisher Join Michael Flock of FLOCK Specialty Finance as he interviews David Rubinger, Market President and Publisher of the Atlanta Business Chronicle, the leading commercial journal in Atlanta, GA and one of the most successful in the United States. David is an award-winning journalist and corporate communications executive who returned to his roots at Atlanta Business Chronicle in 2015 to become its Market President and Publisher. He began his career in Atlanta as a reporter with the Atlanta Business Chronicle in 1989. He later served as managing editor and editor until joining the PR firm Ketchum in 1999. After Ketchum, David led global communications for Equifax, Inc. and later ran Rubinger, Inc., his own marketing firm based in Atlanta that ran media communications for RMA, Receivables Management Association for the credit and collections industry. David earned a Bachelor of Arts in Political Science degree from Trinity College in Hartford, CT. He serves on the boards of the Metro Atlanta Chamber, Atlanta Convention Center and Visitors Bureau, Junior Achievement of Georgia, Emory University Board of Visitors and Emory’s Center for Ethics. David is a native of New York City, and currently, he and his wife reside in Atlanta, GA. Here is a glimpse of what David shared in the interview: “My autobiography would talk about family and the ability to connect with people in the business community and broader communities and how those relationships and being surrounded by really smart, interesting people helped move me along in my career.” “I feel like I am constantly getting an education from all the interesting people I get to run across.” “Life is too precious. Really stay focused on what’s important in your life and keep driving in that direction and don’t take any of it for granted.” “Learning to control what you can control. Stay focused on short-term objectives.” Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been underserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Flock Specialty Finance visit: www.FlockFinance.com To view guest photos from this show, visit: www.ProBusinessPictures.com To nominate or submit a guest request visit: www.CapitalClubRadio.com

17 NOV 2020 · Join Michael Flock of FLOCK Specialty Finance as he interviews Lou DiPalma, Managing Partner of Garnet Capital Advisors, LLC located in Harrison, New York. Lou has 30 years of experience as a loan portfolio broker. Lou’s asset brokerage experience includes credit cards, installment loans, mortgage and commercial loan products. At Garnet, he manages the origination and sale efforts. Prior to Garnet, Lou was a founding member of the Keefe, Bruyette & Woods Loan Sales Group where he provided loan brokerage and valuation expertise to the community bank sector. Lou earned a master’s degree from the American Institute of Banking and a Bachelor of Science Degree from St. Lawrence University. He has written for and been widely quoted in numerous industry publications including American Banker, The Financial Times (London) and Collections & Credit Risk. He is a frequent speaker at industry-sponsored events and has chaired Source Media’s National Collection and Credit Risk Conference.  Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com

22 OCT 2020 · Michael Lamm: Stay Fighting on Capital Club Radio Join Michael Flock of FLOCK Specialty Finance as he interviews Michael Lamm, Managing Partner and co-founder of Corporate Advisory Solutions (CAS), LLC located in Philadelphia, Pennsylvania. Michael oversees and executes M&A engagements, investment opportunities, compliance/regulatory assessments, strategic consulting, valuation and expert witness litigation matters while also charting the firm’s corporate direction and strategic growth plan. He and his partner, Mark Russell, have completed over 50 M&A transactions since the founding of CAS in 2013. Prior to CAS, Michael served as a Director at Kaulkin Ginsberg, an M&A strategic advisory firm specializing in the ARM industry, for 10 years where he executed over 70 M&A transactions and acted as a strategic advisor to both service providers and creditors. Michael earned an International Studies Degree from American University. He is actively involved in leading industry associations including ACA (Council of Delegates), Institute for Collection Leadership (Board Advisor), Risk Management Association, the Association for Corporate Growth (Membership Committee), American University Alumni Association (Chapter Leader), and the Healthcare Financial Management Association. Michael is committed to giving back to the M&A advisory community by frequently speaking at industry events on M&A and valuation trends. He is also a regular contributor to industry publications where he offers analysis, posts blogs and writes articles. Michael, his wife and two children reside in Gladwyne, Pennsylvania.  Here is a glimpse of what Michael shared in the interview: “We’re always playing long ball; starting out small and leading to something big.” “I not only talk the talk, but I do the work as well.” “Keep fighting. Keep doing what you’re doing every single day, especially these companies out there that are dealing with enormous changes…” Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com

27 FEB 2020 · Craig Lucie From News Anchor to Chief Story Teller - Part Two on Capital Club Radio Join Michael Flock of FLOCK Specialty Finance and host of Capital Club Radio for Part two of his interview with Craig Lucie, founder and Chief Story Teller of Lucie Content and a star in the world of broadcast media. Craig started this company to shine a light on the positive things happening in our world and to share compelling stories that resonate with your audience. He has two decades of news experience with multiple EMMY nominations and has won an EMMY for Best News Anchor. He has also received several AP Awards for his reporting and contributed reports to newscasts that have won the prestigious Edward R. Murrow awards. The Georgia Association of Broadcasters also recognized him as the best on-air personality in the state, and the Atlanta Business Chronicle named him as one of the 40 Under 40 recipients. Craig has appeared on ABC’s World News Tonight, CNN, MSNBC, FOX News and HLN. He was recently one of a few journalists invited to have dinner with President Donald Trump in the State Dining Room of The White House while covering a State of the Union Address. Craig graduated from Southern Methodist University. He and his wife reside in Atlanta and they have two children. Here is a glimpse of what Craig shared in the interview: “Throughout this experience, I’ve almost come to the realization that there are two types of people in business. There are people who want to go out there and start a business and run a business; then there are people who just need to be put on the path to help that particular business succeed who have wonderful, fresh ideas.” “Fortunately, things are going well. The sky’s the limit, is what I say, the sky is the limit.” “When I was run over by a boat when I was in 5th grade, it was a big learning experience. I learned if you fight hard enough and you work hard enough, you will achieve what you want to achieve. When I had to fight to learn to walk again, I came back stronger as an athlete and that has helped in business as well.” Connect with Craig Lucie: Website: https://www.LucieContent.com Linkedin: https://www.linkedin.com/in/craig-lucie-09a3965 Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com

27 FEB 2020 · Craig Lucie From News Anchor to Chief Story Teller Part 1 of 2 on Capital Club Radio Please join Michael Flock of FLOCK Specialty Finance as he interviews Craig Lucie, founder and Chief Story Teller of Lucie Content and a star in the world of broadcast media. Craig started this company to shine a light on the positive things happening in our world and to share compelling stories that resonate with your audience. He has two decades of news experience with multiple EMMY nominations and has won an EMMY for Best News Anchor. He has also received several AP Awards for his reporting and contributed reports to newscasts that have won the prestigious Edward R. Murrow awards. The Georgia Association of Broadcasters also recognized him as the best on-air personality in the state, and the Atlanta Business Chronicle named him as one of the 40 Under 40 recipients. Craig has appeared on ABC’s World News Tonight, CNN, MSNBC, FOX News and HLN. He was recently one of a few journalists invited to have dinner with President Donald Trump in the State Dining Room of The White House while covering a State of the Union Address. Craig graduated from Southern Methodist University. He and his wife reside in Atlanta and they have two children. Here is a glimpse of what Craig shared in the interview: “If it’s told in a compelling way, it will get shared. When it’s shared, it drives conversations. When conversations are sparked about your brand, that is the key to marketing.” “You change the perception. It’s all about companies and non-profits controlling their message, putting out their own content because in many cases a lot of these bigger companies have a massive social media following across Instagram, Facebook, and Twitter. You might have 100,000 followers on Facebook. Why aren’t you giving them great content? They’re engaged in your brand.” “Same thing, we’re pushing out these tweets, Instagram posts, Facebook posts to drive traffic to our content, which is living on our client’s website. So, we’re driving traffic to their sites.” Connect with Craig Lucie: Website: https://www.luciecontent.com Linkedin: https://www.linkedin.com/in/craig-lucie-09a3965 About Capital Club Radio Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com

22 JAN 2020 · Bill Sturm: Born into Collections on Capital Club Radio Join Michael Flock of FLOCK Specialty Finance as he interviews William (Bill) Sturm, COO of Rausch, Sturm, Israel, Enerson & Hornik, LLP (Rausch, Sturm) located in Brookfield, Wisconsin. Bill has been with Rausch, Sturm for over 25 years. Bill started with the company putting away files and has worked in every department. After earning his Bachelor of Arts degree, Bill became Collection Manager and then was promoted to Executive Director and ultimately promoted to COO, where he has overseen the entire firm’s operations for the past ten years. Bill earned a Bachelor of Arts degree from the University of Wisconsin-Milwaukee. He has been honored as a speaker at the National Creditors Bar Association’s national conventions. He also founded the education track for collection managers for the National Creditors Bar Association and served as chair for six years. Bill is deeply involved in his community from sitting on the boards of non-profits to private clubs and is committed to making a difference. Bill resides in Brookfield, Wisconsin. Here is a glimpse of what Bill shared in the interview: “And so, he’s taught me along the way that in order to be successful in whatever you do…Eight hours isn’t even close.” “And so, my father taught me a lot about having a mental toughness of whatever you’re going through and in the fact that if you can control your fear and whatever else is racing through your mind, you can push forward into these uncomfortable situations as you grow as a human being.” …”‘What are you thinking?’ Because those thoughts are really generating your feelings… And I use that a lot now as a business owner because you’re worried about everything that happens within a business.” “‘Tell the truth’ really came from Manny Newburger… And so, we really make sure that, obviously, the company as well as my children know the value in telling the truth.” Connect with Bill Sturm: https://www.linkedin.com/in/billsturm Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com

16 OCT 2019 · Michael J. Coles: Cookies, Coffee and Kennesaw on Capital Club Radio Please join Michael Flock of FLOCK Specialty Finance as he interviews Michael J. Coles, Atlanta business executive, serial entrepreneur, education advocate, well-known public speaker, the namesake of the Coles College of Business at Kennesaw State University and author of Time to Get Tough: How Cookies, Coffee and a Crash Led to Success in Business and Life. His book explains how he started a $100 million company with only $8,000, overcame a near-fatal motorcycle accident, set three transcontinental cycling world records and ran for Congress twice. Prior to writing his book, Michael was the Chairman of the Board for BrandBank and for Brand Group Holdings, Inc. Additionally, he was the former CEO of Caribou Coffee from 2003-2012 and co-founder of the Great American Cookie Company in 1977. Moreover, he was in the clothing industry for over 19 years and launched two clothing businesses. Michael has been a highly engaged philanthropist with organizations such as Hillels of Georgia, the Georgia Film Commission, the University System of Georgia Board of Regents, the Kennesaw State University Foundation Board and the Walker School Board. He and his wife, Donna, have also supported the American Lung Association, Georgia Special Olympics, Scottish Rite Children’s Medical Center, and the March of Dimes. He and his wife reside in Atlanta and Jackson Hole, Wyoming. Here is a glimpse of what Michael shared in the interview. “…it doesn’t matter how many thousands of miles you ride, it doesn’t matter how many weeks, or months, or even years you might put into something, it’s the last five miles that count.” “So, I’ve always believed that the difference between success and failure is how you’re prepared…How you deal with the unexpected.” “Information, innovation…implementation, and then the last one, the most important one is improvement.” Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com

2 OCT 2019 · Dan Campbell A Founder Who Leads with the Heart on Capital Club Radio Join Michael Flock of FLOCK Specialty Finance as he interviews Dan Campbell, an entrepreneur par excellence. Dan is a partner at MSouth, a leading private equity investment fund based in Atlanta that provides equity capital and expertise to support management teams in acquisitions and recapitalizations of lower middle market companies typically valued between $25 and $200 million. In addition to his equity fund expertise, Dan has over 20 years experience in the staffing industry. Prior to becoming partner at MSouth, Dan was most recently the CEO of Hire Dynamics, a leading commercial staffing company that he co-founded in 2001 and remains as Executive Chairman. Dan was responsible for growing the Company’s revenue at a 28% CAGR over 15 years, from $3 million in 2000 to over $100 million in 2015. Prior to founding Hire Dynamics, Dan was the CEO of an award-winning staffing company based in Los Angeles. Previous roles also include Director of Business Planning for AHL Services and an investment banker in the Corporate Finance Group of Price Waterhouse. In addition to his Executive Chairman role at Hire Dynamics, Dan remains active in the staffing industry as an investor and advisor at both Work N and ClearlyRated. Highly engaged in the staffing industry, Dan served on the Board of American Staffing Association (ASA) for 10 years including serving as a past chairman. Additionally, he was elected to the Staffing Industry Hall of Fame by Staffing Industry Analysts in 2017. Dan is also active within the Young President’s Organization (YPO) Southern Seven Chapter including serving as a past chairman. He was also named Entrepreneur of the Year in Atlanta by Business to Business Magazine. Dan graduated Magna Cum Laude with a BBA from Millsaps College where he attended on scholarship and played basketball. Dan and his wife reside in Atlanta and are the proud parents of two sons. He is very engaged in their sporting activities including baseball, basketball and soccer. Here is a glimpse of what Dan shared in the interview. “Well, first I’m a constant learner a lot of intellectual curiosity and you always do want to make sure that you have the opportunity to be prepared and learn before you do take that leap or before you jump.” “And it really was just learning through mistakes and eventually developing, that I would say today, that is a strength and very good at reading people.” “One of my leadership takeaways that I’ve learned over my career, is it’s more important to connect with a person’s heart than it is their head.” Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com

15 APR 2019 · Leo Stawiarski The Comeback Kid on Capital Club Radio Join Michael Flock of FLOCK Specialty Finance as he interviews Leo Stawiarski, Jr., a lawyer and veteran entrepreneur with over 35 years of experience in providing both legal and non-legal services to the accounts receivable management industry. He discusses how perseverance, hard work, stress management and diversification were key to his comebacks. In this podcast, Leo tells how he survived the S&L crisis in 1989 and financial crisis of 2008. Leo is currently President and CEO of LCS Financial Services Corporation and LCS Capital, LLC which are in Centennial, CO. LCS Financial Services focuses on nationwide collection and recovery services with the added benefit of his nationwide network of collection attorneys that he built when he started Codilis & Stawiarski, P.C. in 1988. LCS Capital is a debt acquisition company that purchases and sells charged-off receivables over multiple asset classes. Leo earned a JD degree from the John Marshall Law School in Chicago. He currently serves as a member of ACA International, Receivables Management Association International, The Mortgage Bankers Association, National Creditors Bar Association, The American Bankruptcy Institute and is a licensed attorney in Colorado, Florida, Illinois and Texas. Here is a glimpse of what Leo shared in the interview: “…Yes, I didn’t quit. I don’t know; I guess one of my traits is just, I persevere. I really had a meager upbringing with my dad, and we worked awfully hard and he taught me really to persevere.” “…In my entire career, up to a few years ago, I was in mortgages and after the crisis it’s become apparent that you have to diversify. Companies now have to diversify. It’s not like the old days where you can just do one thing.” Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com

6 FEB 2019 · Chris Shuler The Start-up Expert Interview on Capital Club Radio Michael Flock of FLOCK Specialty Finance interviews Chris Shuler, who has over 29 years as a corporate executive in the financial services and credit industry. Chris is President of Activate Financial, located in San Diego, which is a fully licensed, national, third-party collection agency that is focused on bad debt recovery and skip tracing services. He is an entrepreneur who has been very successful in the start-up of five new ventures over his professional career. Some of these ventures include Vital Solutions, Inc., Credit Performance Services and National Bankruptcy Services Corporation. In the interview, Chris discusses how dedication, desire, determination and hard work have been a huge part of his success. During his extensive corporate career, Chris was the COO for American First Finance in Dallas, CEO & President of Vital Solutions, Senior Vice President of Strategic Development for Outsourcing Solutions, Inc., Senior Vice President of Business Development for JDR Receivables Management, Marketing Director and then Vice President of Business Development for Wallace & de Mayo, P.C. His career highlights include such accomplishments as delivering phenomenal growth of $80M+ in annualized revenue in less than three years for the start-up Credit Performance Services. Additionally, while at Outsourcing Solutions, Inc., he led the bad debt purchasing division and grew it from 1.8 million accounts owned in 1998 to 19 million accounts owned in 2001. Chris earned a BS degree from the University of West Georgia and is a graduate of the Management Institute of Technology from Georgia Institute of Technology. He has served as the National Treasurer of the Chi Phi Fraternity and as Chairman of the Chi Phi Educational Trust. Furthermore, he has served as Treasurer and Vice President of the University of West Georgia’s National Alumni Association. Here is a glimpse of what Chris shared in the interview. “Dedication, desire, determination, hard work put in the sweat equity…So just work hard, learn the business and opportunity abounds.” “We focused on those two verticals and back to the trust thing, back to business development thing, back to relationships. People trusted both Chris and I and we were able to put it together.” “I’ve believed in conflict theory for a long time. But what doesn’t kill you makes you stronger.” Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com