Carol Coughlin is an experienced Board and Audit Chair and is highly skilled in corporate governance, including board refreshment, IPO, strategic alternatives and M&A. Following an IPO and after nomination to board chair of HBK, she led HBK through acquisitions that doubled its size, followed by a merger with a larger bank. A qualified “financial expert”, she is an accomplished healthcare CFO with a track record of achieving profitability through growth, highly successful turnarounds and M&A. She is known as a strategic, energetic and collaborative leader, and as evidenced by her professional career and board accomplishments, has the intellectual capacity and temperament to add value immediately and in a variety of situations.

1. CAROL COUGHLIN
443.519.6500
Ccoughlin@bottomline-
growth.com
LinkedIn: Carol Coughlin
BOARD OF DIRECTORS (CURRENT)
UNIV. OF MD MEDICAL CENTER & MEDICAL SYSTEMS (2015
– PRESENT)
DIRECTOR, FINANCE CHAIR; MEMBER: EXECUTIVE,
GOVERNANCE/NOMINATING COMMITTEES; MED SYS – FINANCE
& REAL ESTATE COMMITTEES
READYCARECONNECT, INC. (2019 – PRESENT)
DIRECTOR
GOOD CAP WELLNESS (2021 – PRESENT)
DIRECTOR, AUDIT COMMITTEE CHAIR
BOARD OF DIRECTORS (FORMER)
HAMILTON BANCORP, INC. (NASDAQ: HBK) (2020-2019)
BOARD CHAIR, FORMER AUDIT/RISK CHAIR
VIVOS THERAPEUTICS, INC. (NASDAQ: VVOS) (2019-2020)
DIRECTOR, AUDIT COMMITTEE CHAIR
MARYLAND 529 (2016-2020)
TRUSTEE, FINANCE, AUDIT AND INVESTMENT COMMITTEES
COMMITTEE EXPERIENCE & QUALIFICATIONS
NACD BOARD LEADERSHIP FELLOW
AUDIT – FINANCIAL EXPERT (SEC); SPECIAL INVESTIGATIONS
ENTERPRISE, RISK AND COMPLIANCE
GOVERNANCE/NOMINATING; BOARD REFRESHMENT
CORPORATE MANAGEMENT POSITIONS
PRESIDENT, BOTTOMLINE GROWTH STRATEGIES, INC. (2006- PRESENT)
CFO, WOODHAVEN HEALTH SERVICES (2004-2006)
CFO/COO, HARMONY HEALTH PLAN/WELLCARE, INC. (2000-2004)
CFO, RUSH PRUDENTIAL HEALTH PLANS/WELLPOINT, INC. (1996-2000)
DIR/CFO, JOHNS HOPKINS HEALTH PLAN/PRUDENTIAL (1987-1994)
HONORS AND AWARDS
TOP 100 WOMEN IN MARYLAND, CIRCLE OF EXCELLENCE (DAILY
RECORD) 2012, 2015, 2017
MOST ADMIRED CEOS (DAILY RECORD) 2013
CIRCLE OF EXCELLENCE – FINANCE (SMARTCEO) 2013
arol Coughlin is an experienced Board and Audit
Chair and is highly skilled in corporate governance,
including board refreshment, IPO, strategic
alternatives and M&A. Following an IPO and after
nomination to board chair of HBK, she led HBK
through acquisitions that doubled its size, followed by a
merger with a larger bank. A qualified “financial expert”,
she is an accomplished healthcare CFO with a track record
of achieving profitability through growth, highly successful
turnarounds and M&A. She is known as a strategic,
energetic and collaborative leader, and as evidenced by
her professional career and board accomplishments, has
the intellectual capacity and temperament to add value
immediately and in a variety of situations.
Carol currently serves as a Director for University of
Maryland Medical Center (Finance Chair, Executive
Committee), ReadyCareConnect, Inc. and Good Cap
Wellness, Inc. (Audit Committee Chair), and is President of
BottomLine Growth Strategies, Inc. In addition to
consulting with private company CEOs and CFOs on
sustainable and profitable growth, she has participated in
a number of board diversity initiatives, including with the
Athena Alliance and the Governor of Maryland’s
Appointment’s Office for Boards and Commissions.
During her career as a CFO, Carol was instrumental in
developing and executing the financial strategies to
facilitate profitable growth in three companies. Johns
Hopkins Health Plan grew from $10MM to $250MM in
revenues and became profitable prior to the sale to
Prudential Insurance. Carol also collaborated on two highly
successful turnarounds, including Rush Prudential Health
Plans, which recorded an annualized gain of $18MM from
an annualized loss of $30MM on revenues of $500MM
before the sale to Wellpoint, Inc. As the CFO for Harmony
Health Plan, in her tenure, revenues grew from $10MM to
$125MM prior to the sale of the company to Wellcare, Inc.
In every acquisition, Carol was a key leader on the
integration teams.
In 2006, Carol launched BottomLine Growth Strategies,
Inc., working with private company CEOs to transform
enterprise value through best practice finance and
operations strategies.
Carol is a certified public accountant, and a graduate of Loyola
University Maryland (MBA/Finance), Towson University
(BS/Accounting), and a Board Leadership Fellow (NACD).
C

2. CAROL COUGHLIN
ccoughlin@bottomline-growth.com
www.linkedin.com/in/carolcoughlin
443-519-6500
SUMMARY
Strong public and private board leadership experience on financial services and healthcare boards, with roles including Board Chair,
Lead Director, Audit/Risk Committee Chair. Highly experienced on board governance best practices, including board refreshment
and engagement, board evaluations, investigations and transformation of strategic planning process. NACD Board Leadership
Fellow; SEC finance expert; IPO; M&A; evaluation of strategic initiatives. Current CEO/Entrepreneur and growth advisor; former
C-suite finance and operations executive for high growth healthcare companies up to $500 million in revenue. As CFO, partnered
with management team to orchestrate two highly successful healthcare turnarounds, including from loss of $30MM EBITDA to gain
of $18MM EBIDA in four years. Skilled at supporting growing businesses organically and through M&A. Assisted in the sale of
three private to companies to national public companies. Very collaborative; led highly productive teams during times of high
growth and change; worked with founder-led firms. Influencer in culture transformation from entrepreneurial to professionally
managed companies.
BOARD EXPERIENCE
University of Maryland Medical Center (UMMC), 2015 to present
UMMC is an academic medical center with two hospitals and outpatient facilities, over $1BB revenues. UMMS is $4BB+ medical system with multiple
hospitals, a health plan, outpatient facilities and physician practices. Joined newly created board in 2015; appointed as Finance Affairs Chair and member of
UMMS committees, including Finance, Audit and Real Estate. Served on the CEO search committee (former CEO promoted to CEO, UMMS).
Assisted in the revamp of governance policies for UMMC; currently participating in strategies to transform the organization in the delivery of healthcare.
Chair, UMMC Financial Affairs Committee;
Member, Executive and Governance Committees; ad hoc Strategic Planning Committee
Member, UMMS Finance, Real Estate Committees; Audit Committee (prior)
Good Cap Wellness, Inc., 2021 to present
Drug Development Company focused on the development and commercialization of psilocybin for the treatment of mental health and metabolic diseases.
Independent Director, Audit Committee Chair
ReadyCareConnect, Inc. (DBA, Trusty.care) 2019 to present
Early stage digital health/insurance company providing precision benefit tools for insurance and financial professionals using AI and predictive modeling.
Independent Director
Vivos Therapeutics, Inc. July 2019 to 2020
Medical technology/device company focused on the development and commercialization of innovative solutions for patients with sleep disordered breathing,
including obstructive sleep apnea. Along with independent directors, established key committees, risk assessment plan, governance measures for next-stage
company.
Audit Committee Chair; Nominating/Governance and Compensation Committee member
Hamilton Bancorp (NASDAQ: HBK), 2010 to April 2019
HBK was a regional community bank with over $500MM in assets. Joined board in 2010 as Audit chair. Converted from mutual to public bank in
2013. Appointed as Lead Director in 2014 to assist the board in governance initiatives; elected as Board Chair in 2015. Implemented governance best
practices including board evaluations, succession planning and board refreshment. Created separate risk committee; improved board engagement; worked
with management to create board-engaged strategic planning process. Size of bank doubled through acquisitions during tenure as board chair. Oversaw the
evaluation of strategic initiatives. Finalized merger with Orrstown Bank May 1, 2019.
Board Chair (2015 to 2019); Lead Director (2014)
Risk and Audit Committee Chair (2010 to 2015); member (2015 to 2019)
Nominating/Governance Committee member (2012 to 2019); Compensation Committee (2012 to 2014)

3. CAROL COUGHLIN
ccoughlin@bottomline-growth.com
www.linkedin.com/in/carolcoughlin
443-519-6500
Maryland 529 Board, 2016 to February, 2020
Appointed to board by the Governor of Maryland. Maryland 529 includes prepaid college trust and college savings plans, $6BB in assets. Board oversight
of transition of CEO/Executive Director; on Search Committee for replacement. Led development of compliance and board governance initiatives.
Finance, Investments and Audit and Governance and Compliance Committees
EXECUTIVE MANAGEMENT EXPERIENCE
BottomLine Growth Strategies, Inc.
Founder/Managing Partner (2006 – present)
Growth Advisor/CFO, works with privately held companies to transform enterprise value through implementing financial
and operational best practices. Assess finance teams, business practices and readiness for growth; implement finance best
practices. Assist in the development and/or replacement of financial leaders; coach CFOs and CEOs. Industries include
healthcare, service companies/firms, manufacturing, technology and real estate.
Awards and recognitions including: Top 50 Turnaround Management Companies in Maryland (BBJ); Most Admired CEO
(Daily Record); Center of Excellence CEO (SmartCEO), Top 100 Women Circle of Excellence (Daily Record).
Woodhaven Health Services, Inc.
Chief Financial Officer (2004 -2006)
Served as CFO of a venture capital owned, high growth healthcare company including institutional pharmacy servicing 7000
nursing home residents, a retail pharmacy and home infusion companies. Worked with management team to turnaround
and re-capitalize company; divest of ancillary businesses, and through implementation of Medicare Part D prescription drug
benefits. Implemented decision support function; restructured benefits and insurance offerings; co-led technology
conversion from legacy to enterprise wide systems. Culture change from founder to VC backed company. Responsible for
finance, non-clinical operations, decision support, HR.
Harmony Health Plan/Wellcare Health Plans
Chief Financial Officer (Harmony Health Plan, 2000 – 2004)
Served as CFO responsible for finance, claims, medical analytics, business development, operations and IT for venture
backed healthcare company; growth from $10MM to $120MM revenue and market expansion from one to three key
markets. Led team on conversion of new enterprise software system; created medical analytics and reporting functionality;
Key liaison with founder/shareholder and investors; Buy side and sell side acquisitions and integrations. Culture change and
company-wide alignment initiatives as company matured. Participated on deal team to market company, resulting in the
sale to Wellcare, Inc.
Rush Prudential Health Plans/Wellpoint, Inc.
Chief Financial Officer (1996 – 2000), Rush Prudential Health Plans, Inc.
Served as CFO of this $500 million health benefits company; partnered with management team to take annualized losses of
$30 million in 1996 to an annualized profit in 1999 of $18 million. Broad operations and finance oversight: finance,
enrollment, medical analytics, underwriting. Created medical analytics function; Led analysis and development of
turnaround plan for multi-site medical offices; Oversight of team to re-install systems. Instrumental role in managing the
sale of the company; ultimately sold to Wellpoint in 2000. Stayed on for post-merger integrations.
Johns Hopkins Health Plan/Prudential of the Mid-Atlantic
Chief Financial Officer (1994 – 1996); Director of Finance (1987-1994)
Brought on to build and restructure finance departments of this early stage, post- bankruptcy, Medicaid HMO. Revenue
growth from $10 million to $250 million. Started with 10,000 members, expanded to Medicare and Commercial product
offerings in two additional regions; membership grew to 120,000 prior to sale of company. Broad finance and operations
oversight: finance, claims, enrollment, technology, medical analytics and HR. Sold to Prudential Insurance.

4. CAROL COUGHLIN
ccoughlin@bottomline-growth.com
www.linkedin.com/in/carolcoughlin
443-519-6500
AWARDS AND RECOGNITIONS
“Top 100 Women in Maryland, Circle of Excellence (2012, 2015, and 2017), The Daily Record
“Brava!” (2012), Smart CEO
“Top Turnaround Firms” (2012), Baltimore Business Journal
“Most Admired CEOs” (2013), The Daily Record
“Circle of Excellence – Finance” (2013), Smart CEO
PROFESSIONAL ORGANIZATIONS AND COMMITTEES
Moderator/Subject Matter Expert, Finance for the Non-Finance Director Peer Roundtables, Athena Alliance
(current)
Member: Women Corporate Directors, National Association of Corporate Directors, Athena Alliance, Women
Business Leaders, Him for Her
NON-PROFIT BOARDS AND COMMUNITY INVOLVEMENT
Loyola University of Maryland, Member, Advisory Board- Finance Department (current)
Governor’s Office of Appointments and Commissions, Board Diversity Initiatives (volunteer- assisted with
recruiting of 60 diverse board/commission members) (past)
White House Business Council (Tax reform, Manufacturing, Access to Capital), President Obama (past)
University of Baltimore Finance Advisory Committee (past)
Baltimore County Executive’s Committee for Higher Education (past)
Executive Alliance (Board member, Finance Chair, Treasurer) (past)
Junior Achievement of Central Maryland (Board Development and Engagement Chair) (past)
EDUCATION AND CERTIFICATIONS
MBA, Loyola University (MD), Beta Gamma Sigma, Alpha Sigma Nu
B.S. in Business Administration, Towson University
Certified Public Accountant (active, MD)
Board Leadership Fellow, National Association of Corporate Directors