Robert Lipsher has been actively involved in representing banks, savings institutions and holding companies for more than 25 years. Mr. Lipsher specializes in mergers and acquisitions, general corporate and securities law, and corporate reorganizations, including mutual-to-stock conversions and mutual holding company formations. His practice also includes representing investment banking firms.

Mr. Lipsher has been a frequent speaker at various conferences and seminars sponsored by the financial services industry.

Prior to entering private practice, Mr. Lipsher was an attorney with the Securities and Exchange Commission, serving in various capacities including as Counsel to the Commissioner.

Representative Transactions:

• Represented Oneida Financial Corp., Oneida, New York, in its second step conversion from a mutual holding company to a stock holding company and related $32.0 million public stock offering.

• Represented Carolina Financial Corporation, Charleston, South Carolina, in connection with its acquisition of the assets of Crescent Mortgage Services, Inc., a wholesale mortgage originator.

• Represented Stifel, Nicolaus + Company, Incorporated, as underwriter’s counsel in an $87.0 million common stock offering by Fox Chase Bancorp, Inc., Hatboro, Pennsylvania.

• Represented Pioneer Bank, Roswell, New Mexico, in an innovative Subchapter S qualification transaction.

• Represented Keefe Bruyette & Woods as underwriter’s counsel in a $9.2 million initial public offering by a federal savings bank in Connecticut.