Registration Update

Registrations received after Sept. 4th cannot be guaranteed to receive their experience box prior to the Summit. We will ship your box after the event, the week of Sept. 28th.

2020 Speaker Line Up | LEAD FWD Summit

Keynote Speakers

Clint Pulver, Day 1

Clint Pulver

President & Founder, The Center for Retention

Known as the Leading Authority on Retention, Pulver helps organizations retain, engage, and inspire their team members from the front desk to the board room.

He expertly helps audiences navigate generational complexities, communication challenges, leadership missteps, and culture cues and has transformed how corporations like Keller Williams, AT&T, and Hewlett Packard create lasting loyalty through his work and research as “The Undercover Millennial”.

For over a decade, he has been a self-motivated entrepreneur who is well versed in business start-up, leadership, sales management, management training, and helping teams grow multi-million-dollar accounts. He uses that experience to create teachable relationship and business strategies based on trust, service, support, connection, and consistent follow-through.

Sessions

Opening Keynote: Purposeful Leadership in Times of Change

Heather Younger

Heather Younger

Founder & CEO, CustomerFanatix

Younger is the best-selling author of, “The 7 Intuitive Laws of Employee Loyalty” and the founder and CEO of Customer Fanatix. Her organization’s mission is to inspire and train leaders to put their employees first.

She fulfills her organization’s mission through her inspiring keynote speeches, leadership development training, coaching and facilitation, employee focus group moderation, and consulting with organizations all over the world on strategies to improve employee engagement. Younger is an active member of the organizational development community.

She is a member of the Society for Human Resources Management, is certified in Emotional and Social Intelligence, is a DISC certified trainer and coach, and she has a law degree from the University of Colorado at Boulder School of Law.

Sessions

Closing Keynote: Seize the Opportunity: Reimagining a Better, More Inclusive Workplace in the Post COVID-19 World

Phil M Jones, Day 2

Phil M. Jones

Best-selling Author, Motivational Speaker, & Consultant

Jones entered the world of business at the tender age of 14. With nothing more than a bucket and sponge, he went from single-handedly washing cars on weekends to hiring a fleet of friends working on his behalf, resulting in him earning more than his teachers by the time he was 15. 

Soon after, at just 18, he was offered the role of Sales Manager at UK fashion retailer Debenhams – making him the youngest Sales Manager in the company’s history. After several years of being one of the most in-demand young sales leaders in the UK, Jones decided it was time to dedicate his future to helping others to succeed. 

With this as his core mission, he has gone on to deliver over 2,500 presentations in 57 countries across five continents, training more than two million people (both sales and non-sales professionals, leaders, and experts) to learn how to have more influence, confidence and control when steering their conversations. His unique philosophy of using specific word choices to teach his audiences “Exactly What To Say” in order to influence, persuade and drive outcomes, has made him one of the most practical and in-demand business speakers on the planet.

Sessions

All-Day Keynote: Exactly What to Say Now
Doc Bodine, Day 2

Cliston V. “Doc” Bodine, III

Attorney, Gerrish Smith Tuck, PC

Doc Bodine’s legal and consulting practice places special emphasis on compliance matters, bank regulatory matters, strategic planning, examination issues and appeals, enforcement actions (formal and informal), civil money penalties (“CMPs”), expense practices, incentive compensation issues, regulatory applications, removal and prohibition matters, bank insurance issues, corporate reorganizations, holding company formation and use, mergers and acquisitions, branch sale or purchase, corporate governing documents and practices, golden parachute payment and indemnification issues, and general banking and corporate law. He is a member of the American Bar Association, the Tennessee Bar Association and the Memphis Bar Association.

Sessions

Making Peace with a Pandemic

Greyson Tuck, Day 2

Greyson E. Tuck

Attorney, Gerrish Smith Tuck, PC

Greyson Tuck is a member of the Board of Directors of both the Memphis based law firm of Gerrish McCreary Smith, PC, Attorneys and Gerrish McCreary Smith, Consultants, LLC. Tuck’s legal and consulting practice places special emphasis on community bank holding company formation and use, community bank mergers and acquisitions, regulatory matters, corporate reorganizations, corporate taxation, general corporate law and community bank strategic planning. 

Tuck comes from a community banking family and is a graduate of the Paul W. Barret, Jr. School of Banking. He presently serves as a faculty member at a number of banking schools across the country and is a frequent presenter at national and state bank association conferences.

Sessions

Making Peace with a Pandemic

brad stevens

Brad Stevens

Stevens Risk Management, LLC

For more than 30 years, Stevens has been a leading voice in the credit industry serving as an analyst, trainer, and consultant. His career started with Norwest Bank in Minneapolis, where he was taught credit under the direction of Jeff Judy and later John Barrickman, two industry titans.
 
During this tenure, he either restructured, exited, or liquidated targeted commercial accounts. He successfully built strong, profitable, well-structured credit portfolios for two midsized banks as a commercial relationship manager and was later called upon to serve as chief credit officer in two back-to-back stints for struggling banks.
 
Over the last decade, Stevens has built a strong credit portfolio at Alerus of $40 million+ in current outstanding credit balances and has not suffered a loss or 30-day late during his tenure. A strong believer in bankers training bankers, Stevens uses his experience and real-world credit examples to bring a unique and interesting perspective to the credit training world.

Sessions

Assessing Your Credit Portfolio in a COVID World

Charles Potts, Day 2

Charles Potts

Senior Vice President & Chief Innovation Officer, ICBA

Charles Potts is senior vice president and chief innovation officer for the Independent Community Bankers of America® (ICBA). Potts is responsible for driving ICBA’s innovation, change management and financial technology strategies, working with ICBA leadership to develop impactful, value-added solutions that help community banks seize new market opportunities to meet customers’ evolving financial services’ needs.

His extensive financial services experience spans more than 25 years and includes executive positions at several fintechs and international financial service providers.

Sessions

Leading Innovation from the Outside

Jim Lutter

Jim Lutter

Senior Vice President, Funding & Trading, PMA Financial Network

D. James (Jim) Lutter is the senior vice president of trading and operations at PMA Financial Network and PMA Securities where he oversees PMA Funding, a service of both companies that provides over 1,000 financial institutions with a broad array of cost effective funding alternatives.

Mr. Lutter is a Registered Representative with PMA Securities and Investment Advisor Representative with PMA Asset Management. Mr. Lutter has the following FINRA licenses with PMA Securities, LLC: Series 7, 24, 50, 53, 63, 65 and 99.

Sessions

Rethinking Deposit Strategies Amidst COVID-19
Todd Terrazas

Todd Terrazas

Institutional Investment Sales Manager, PMA Financial Network

Todd joined the firm in 2014 as a financial analyst for PMA’s credit team, and currently serves as business development and product manager. He is responsible for developing bank partner relationships and managing funding product solutions and association affiliations.

Todd also engages in strategic planning and identifying market trends through extensive market research. Prior to joining the firm, Todd was a market research analyst at Common Goal Systems, Inc. He earned his Bachelor of Arts in Finance from Calvin College.

Sessions

Rethinking Deposit Strategies Amidst COVID-19
Chris Wright

Chris Wright

Senior Associate, Bank Funding Advisor, PMA Financial Network

Chris joined the firm in 2015 and currently serves as a senior associate, bank funding advisor. His primary role is to manage existing banking relationships, while also developing new relationships to help create a consistent funding strategy that benefits financial institution’s and PMA’s clients.

Chris has spent over 10 years in the banking and financial services industry and currently holds Series 6 and 63 FINRA licenses with PMA Securities, LLC. He is a graduate of Augustana College where he earned his Bachelor of Arts in Business Administration.

Sessions

Managing Depositor Expectations Amid COVID-19    
Kristen Ritter

Kristen Ritter, CCBCO, CBAP

Compliance Engagement Leader, TIB Bequeaith Banking Solutions

Kristen is a long-time banker with 20 years of varied experience in the operations, compliance, and BSA/AML. Most recently, Kristen was the senior vice president of operations, compliance and BSA officer for a private bank in Colorado. She was responsible for all third-party audits and regulatory exams pertaining to compliance, BSA/AML, and information security.

She was also responsible for the daily operations of the bank. Kristen maintains the Certified Community Bank Compliance Officer and Bank Secrecy Act/Anti Money Laundering Professional certifications from ICBA. In addition, she also attended the University of New Mexico’s Graduate School of Banking.

Sessions

Opportunities and Challenges of Successful BSA/AML and Compliance Program

Trish Springfield

Trish Springfield

Energize2Grow

Trish Springfield has worked with over 100 banking institutions in a retail consulting, training, and business capacity in the US as well as Canada, Mexico, and Ireland. She teaches at the SC Banking School and the Barret Graduate School of Banking. Together with her clients, Trish activates bank teams to identify opportunities, tailor plans to mobilize the group, and achieve execution success. Energize. Optimize. Capitalize.

Sessions

What’s in Your Head? The Great Knowledge Transfer

Jennifer Nodes

Jennifer Nodes

Principal, Jackson Lewis

Jennifer A. Nodes is a Principal in the Minneapolis, Minnesota, office of Jackson Lewis P.C. She devotes her practice exclusively to counseling management in a wide variety of employment matters and litigating employment claims before administrative agencies and state and federal courts. 

Nodes's litigation practice includes the defense of employers in single and multi-plaintiff actions in state and federal court on claims of discrimination, sexual harassment, breach of contract, retaliation, non-competes and protection against unfair competition, family medical leave laws, wrongful discharge and other employment compliance matters.

Nodes is a frequent speaker before business and employer associations, including the Society for Human Resource Management.

Sessions

An Employment Law Lesson: How COVID-19 Changed the Workplace for Leaders

Michael Jones

J. Michael Jones

Vice President, Business Solutions, IronSafe

Prior to joining IronSafe, Michael served 25 years in healthcare leadership roles including corporate director at both a national healthcare system and a global manufacturer of perioperative capital equipment. Michael has dedicated his career to utilizing data collection and analytics to bring about measurable and sustainable improvements in organizational outcomes. He is now applying the same principals to community based financial institutions in his role with IronSafe / Trellance.  

 

Michael has published and presented original research, product evaluations, and keynote addresses at numerous professional conferences for over two decades. He is a Fellow of the American College of Healthcare Executives and a member and former chapter president of the Association for Professionals in Infection Control. He has served as an industry representative to multiple advisory boards, including the American Hospital Association and Practice Greenhealth.

Sessions

Using Data to Make Better Business Decisions and Promote Growth

Don Hawkins

Donald J. Hawkins

Founder and CEO, Griffin Technologies

With a career that covers both media and technology, Donald Hawkins applies a diverse mixture of skills to his role as founder and Chief Executive Officer of Griffin Technologies.

As a serial entrepreneur, Griffin has a goal of creating companies that truly help the masses. With his state of the art contextual insights, Griffin supports community banks by connecting them with new and existing consumers in the moments that matter.

Sessions

Where Have the Customers Gone? Building Relationships in a Digital World

Phil Buffington

C. Phil Buffington, Jr.

Partner, Adams and Reese LLP

C. Phillip Buffington, Jr. advises financial institutions throughout the United States on federal and state banking laws and regulations. For more than 30 years, he has served as a trusted advisor to community, regional, and national financial institutions, helping them to assess and analyze regulatory and litigation risks.

Phil advises on a full range of issues, including corporate governance, mergers and acquisitions, expansion and divestitures, de novo formations and charter conversions, bank holding company formations and expansion, notices of change in control and change in director or senior officer, strategic planning, capital planning, securities offerings, responses to examinations and enforcement actions and commercial lending transactions, including syndicated lending, asset-based lending and SBA loans. 

Phil is also an adjunct professor at Mississippi College School of Law (Banking Law and Business Planning), and is a faculty member for the Mississippi Bankers Association School of Banking (Commercial Loan Documentation I and II).

Sessions

Succession Planning & Diversity in a Changing Environment

Amy Hanna Keeney

Amy L. Hanna Keeney

CIPP/US, Adams and Reese, LLP

Amy L. Hanna Keeney, CIPP/US, has an in-depth understanding of privacy and data protection. In a society that is beginning to put a high premium on giving consumers control over their personal information, businesses look to Keeney to ensure that they are collecting and organizing sensitive consumer data in the most efficient and legally compliant way.

She regularly provides regulatory counseling to ensure her clients are collecting consent from consumers properly and protecting sensitive consumer data appropriately.

Her experience includes counseling businesses as well as app and software developers regarding compliance with state and federal privacy regulations, including the California Consumer Privacy Act (CCPA), biometric data regulations such as the Illinois Biometric Privacy Act (BIPA) and Children's Online Privacy Protection Act (COPPA).

 

Sessions

Consumer Privacy and Community Banks: What You Need To Know

Bill Lehman

Bill Lehman

SVP Managed Services, Trellance

With more than 20 years of progressive executive leadership in the electronic payments industry within the credit union industry, Bill Lehman now serves as the SVP of Managed Services for Trellance. In this role, he and his team of senior portfolio consultants are responsible for assisting member credit unions in analyzing their card portfolios and proactively identifying opportunities to increase penetration, activation, usage and retention, ultimately increasing card program performance and profitability.  

Prior to joining Trellance, Lehman worked for FIS in St. Petersburg, Florida as a Client Relations Executive responsible for developing and nurturing strong partner relationships at the executive level. He also has experience working for Capital Communications Federal Credit Union (CCFCU) in Albany, New York in various leadership roles including Credit Risk Manager, Lending Manager, Call Center Manager, and Card Services Manager.

His tenure at CCFCU provided him experience in the development and implementation of new products, a comprehensive understanding of the features and benefits of all card programs and an effective approach to maximize the usage and penetration of card products.

Sessions

The Power of Data

Susan Sabo

Susan Sabo

Principal, CLA Charlotte

Susan is a principal in the firm’s Charlotte, North Carolina office and joined CliftonLarsonAllen in 2020 with over 20 years of financial services experience. She began her career auditing financial institutions before moving into the financial services industry at small community banks and Fortune 500 companies. Susan has served in a variety of industry roles including Controller, Chief Accounting Officer and Business Unit CFO.

Susan has significant experience leading multiple complex efforts with a respect for internal and external deadlines while maintaining a high-level of communication.

  • Auditing and consulting experience in the financial institutions industry serving community institutions.
  • Accounting / Finance leadership in more than a dozen mergers over the past ten years including investment analysis, regulatory reporting and financial and operational integration.
  • Well-versed in SEC and bank regulatory reporting requirements and compliance.
  • Deep understanding of numerous accounting standards including Receivables (ASC 310), Intangibles (ASC 350), Compensation (ASC 718) and Business Combinations (ASC 805).
  • Experience implementing Sarbanes-Oxley 404 and FDICIA.
  • Knowledgeable in the area of policy and procedure review and recommendation.

Sessions

How COVID-19 is Changing Safety and Soundness Standards for Community Banks

Erica Crain

Erica L. Crain

Manager, CliftonLarsonAllen

Erica Crain is a Manager at CLA specializing in credit risk management services to financial institutions consisting of out sourced loan reviews and other consulting services. Over the last 20 years Erica has gained extensive financial institution management and consulting experience, particularly in overall operations,commercial lending,and risk management practices.

  • Manager of the national credit risk review team with engagement oversight, quality assurance responsibility, and execution of proposed scope of work to prospective and existing clients.
  • Project leader for commercial loan review services for financial institutions ranging from small community institutions to large, super regional financial institutions.
  • Lead reviewer during annual financial audit for determining adequacy of ALLL account compared to risk identified in the credit portfolio at various financial institutions.
  • Instructor for the Independent Community Bankers Associations for Loan Review, Advanced Loan Review, and the Risk Management Institute.
  • Previous experience as Risk Management Examiner with the Federal Deposit Insurnace Corporation.
  • Led the risk management division, including the development and implementation of internal loan review, for a publicly traded financial institution.
  • Managed a commercial loan portfolio as a senior commercial loan officer for a financial institution with total assets exceeding $23 billion.

Sessions

How COVID-19 is Changing Safety and Soundness Standards for Community Banks

John Thuma

John Thuma

Vice President, Data Solutions Group

With nearly 30 years of field experience, John has developed solutions for multiple vertical industries including: banking/financial services, retail, life-sciences, telecommunications, and others.  

John brings strong data leadership having developed very complex initiatives for several start-ups, Microsoft Corporation, SAP, Teradata, and other software companies.  John’ technology skills are complemented by his ability to articulate ideas through a variety of channels across all levels of an organization.

John currently serves as a member of FIS’ Data Solutions Group.  The Data Solutions Group is a newly formed, highly collaborative and fast-paced team that is expanding to support our growing data business. The data solutions group is responsible for providing the next generation of data products and services to FIS clients.  

These tools provide transformative, data-driven insights and actions, and empower our clients to succeed in an increasingly competitive, data-driven world.   We are passionate about our work and take a client-first approach to everything we do. There are great opportunities for growth and learning within this group, including engaging in special assignments across the team and business.

John resides in Lutz, FL with his wife, Daniela, and their two children – Polley and John. Devoted to his family, John takes great pride in his wife and children.  John’ daughter Polley is finishing up her residency and his son is an avid tennis player.  In his spare time John loves to write, travel, and read.  His family travels to Bulgaria often and that is his second home.

Sessions

Data Solutions for Community Banks

Tracey Santor

Tracey Santor

Product Manager for Financial Institutions Bonds, Travelers

Tracey is the product manager for all Financial Institution bonds for Travelers Bond & Specialty Insurance. She is an honors graduate from North Texas State University with a degree in English.

She earned her Chartered Property Casualty Underwriting designation in 1995, her Associate in Fidelity and Surety Bonds in 1996 and her Associate in Claims in 1990. She has served as the Chairman of the SFAA Fidelity Claims advisory board, a Director on the Surety Claims Institute board, and an editor for the Fidelity Law Association newsletter, as well as having been the president of the Fidelity Law Association.

She has also served as the fidelity chair for the Torts and insurance Practices Section of the American Bar Association. Tracey is the current Chairman of the Fidelity Advisory Committee for the Surety Fidelity Association of America and on the executive committee of the Fidelity Law Association.

Sessions

How COVID-19 is Changing Safety and Soundness Standards for Community Banks

Steve Kinner

Steve Kinner

Senior Managing Director, Promontory Interfinancial Network

Steve Kinner is the Senior Managing Director at Promontory Interfinancial Network who is responsible for directing sales. He has more than 27 years of banking industry experience. Formerly, Kinner was senior vice president of sales and marketing at Federal Home Loan Bank of Des Moines. Prior to that, he was the president, financial services division at Oswald Financial, LLC. Earlier in his career, he was managing director/senior vice president, asset management at KeyCorp.  

 

Kinner earned an MBA from Baldwin Wallace College and a BS from the University of Wyoming. Mr. Kinner joined Promontory Interfinancial Network in 2002.

These tools provide transformative, data-driven insights and actions, and empower our clients to succeed in an increasingly competitive, data-driven world.   We are passionate about our work and take a client-first approach to everything we do.

Colin resides in Babylon, NY with his wife and five children.  

Sessions

Unmasking Your Value Proposition/Maximizing Your Competitive Advantage

Lee Griffin

Lee Griffin

Vice President, Global Processing Visa

Lee Griffin has been with Visa for 28 years and currently oversees the Group Service Provider (GSP) client segment. Prior to his current role, Griffin has held various positions in the Debit Product office, Acquiring and Emerging Technologies.
 
He also led the Visa East Coast sales team. Prior to joining Visa in 1992, Griffin held various payments-related positions at EDS and MTech. He received a bachelor’s degree in Business from Texas Christian University and an MBA from the University of North Texas.

Sessions

The Future of eCommerce

Dan Putney

Dan Putney

Managing Director, Mortgage Solutions, Finastra

As the managing director for mortgage solutions, Dan Putney is responsible of sales strategy for Finastra’s mortgage solutions throughout the United States. With Finastra since 2011, Putney has over two decades of direct mortgage-related industry expertise. He has worked for banks, in mortgage insurance, and in sales leadership roles with other global software providers. This unique combination of in-house banking, mortgage, technology, and sales experience enables him to understand a financial institution’s unique needs and empowers him and his team to tailor a solution best suited for a particular institution.   

Putney earned his Bachelor of Science degree from Saint Bonaventure University where he also played basketball. He is an active member of his church and community and has served as a scout master with the Boy Scouts of America. Outside of work, you’ll find him busy keeping up with his wife and 17-year-old twins.

Sessions

Gaining Ground with Mortgage

Mickey Martin

Mickey Martin

Global Head of Solution Engineering, Onfido

Mickey Martin is an expert in identity access management, identity proofing and effective customer registration processes. He's built extensive experience in the identity space previously working at Forgerock, Oracle, and Transmit Security. Martin now works as Onfido's principal sales engineer, helping the company to understand how identity verification and identity access management can solve business critical problems for their clients.

Sessions

Customer-centricity Post-COVID

Alfy Louis

Alfy Louis

Financial Services Advisor to Onfido

Alfy Louis is an accomplished senior executive and board member with more than 25 years of experience across the financial services, banking, and technology industries. Louis has held various leadership positions including managing director at PricewaterhouseCoopers, founder and CEO of TheBankCloud, executive vice president of sales, alliances, services, and product development at D+H, and global advisor in sales strategy and business intelligence at VMware. Currently, he is an executive management consultant focusing on digital banking.

Sessions

Customer-centricity Post-COVID

Robert Flowers

Robert Flowers

Partner, Stinson LLP

Financial institutions and holding companies look to Robert Flowers to achieve their immediate and long-term business and strategy goals. Flowers represents commercial banks, thrifts, holding companies and other financial institutions in matters related to mergers and acquisitions, strategic planning, corporate governance, securities, employment and employee benefits, executive compensation, lending, compliance and regulatory.

He also has experience advising clients on all aspects of obtaining new financial institution charters, including the regulatory application process, capital acquisition phase and early stage development, and continued representation following the bank opening.

Sessions

Compensation Trends in Community Banking

Mark Prior

Mark Prior

Founder & CEO, Qualtik

Mark Prior has over 25 years of experience in alternative asset analytics, enterprise level senior management, and strategy formulation and implementation. Prior to founding Qualtik, he was Founder and CEO of an asset valuation and management services company with 300+ banks as customers.

Through his work with banks, he recognized several issues most banks struggled with in managing their CRE portfolios. Qualtik was born out of his desire to find a way to put more power in the hands of community banks.

Sessions

7 Ways to Identify CRE Portfolio Risk During COVID-19

Neil Falken

Neil Falken

Principal, CliftonLarsonAllen

Neil is a principal in our banking practice. He has more than 25 years of experience in the banking industry, which includes nine years of experience in the private sector. His private industry experiences range from cashier to chief financial officer, however, his strengths are in both the operations and lending areas of community banks.

Neil has led some of the firm’s largest bank external and internal audit and FDICIA engagements. Neil also assists clients with other projects, which include merger and acquisition transactions and capital planning.

In addition, Neil contributes to CLA’s financial institutions blog.

Sessions

Risk Management After COVID-19

Joshua Juergensen

Joshua Juergensen

Principal, CliftonLarsonAllen

Joshua Juergensen joined CLA in 2007 in the financial institutions group. Juergensen devotes 100 percent of his time serving financial institutions with financial institutions with varying levels of complexity, with asset sizes ranging from $25 million to over $5 billion. He focuses on certified audits, internal audits, loan file reviews, directors’ examinations, and other consulting services for community banks.

Juergensen also spends a portion of his efforts working with financial institutions in their partnership efforts with financial technology (Fintech) companies. This includes Fintech companies with a focus on lending, efficiency improvement, and alternative finance sources.

Sessions

Risk Management After COVID-19

Erich Buckenmaier

Erich Buckenmaier

Managing Director, Promontory Interfinancial Network

Erich Buckenmaier is an industry veteran with nearly 30 years of experience in banking and capital markets, with particular emphasis on funding and liquidity management. He currently holds the position of Managing Director at Promontory Interfinancial Network where he consults with banks located throughout Indiana, Ohio, and West Virginia.  

Before joining Promontory, Mr. Buckenmaier served as Senior Regional Director at the American Bankers Association (ABA).  Prior to joining the ABA, Mr. Buckenmaier served as Managing Director at The NASDAQ Stock Market where he managed sales, operations, and strategic planning for a corporate division devoted to the electronic trading of exchange-listed securities.  

Mr. Buckenmaier received his BS Degree in Economics from the Pennsylvania State University. He resides in Richmond, Virginia, with his wife Cathy and three children. 

Sessions

Unmasking Your Value Proposition/Maximizing Your Competitive Advantage

Michael Boros

Michael Boros

Strategic Alliances, Dell Technologies

Mike oversees strategic alliances around Artificial Intelligence for Dell’s Workstation product line at Dell Technologies. Prior to this role, Mike held AI & solutions marketing positions at IBM and Cray.

Mike has also held analytics product marketing and management roles at Oracle & Informatica. He is an AI zealot, and is delighted to be equipping data scientists and developers to create disruptive and innovative tech.

Sessions

Artificial Intelligence/Augmented Reality/Virtual Reality

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