GMG 1520 PRESTON RD. #1024 PLANO, TX 75093 cell - (512) 592-8902 email - gg11ee76e@westpost.

net

EXPERIENCE First International Bank, Plano, TX February 2010-present SVP Special Assets Department Asset Size: $350MM a Responsible for initiating collection, modification, restructure, foreclosure, repossession and all other collection remedies on classified and past due loans in bank portfolio a Responsible for clearing technical and credit exceptions to classified loan po rtfolio of $100MM a Responsible for oversight and reduction of # and $ of commercial real estate l oans and classified loans by approximately 15% a Responsible for conducting site visits to borrowers and collateral locations, assessment of collateral value, coordination of appraisal ordering and environme ntal site assessments a Responsible for attending Rule 341Meeting for bankrupt debtors a Directly responsibility for coordinating restructure, foreclosure and collater al disposition relating to real properties within portfolios in Nevada and Texas a Responsible for listing foreclosed properties with listing brokers a Responsible for soliciting sale of performing and non-performing notes a Directly responsible for all monthly responses sent to Board, FDIC and OCC rel ating to compliance with Terms of Consent Order issued by FDIC a Responsible for workout department/lending compliance with Consent Order

Franklin Bank (Georgetown, Texas) April 2008-February 2010 Vice President/Branch President (Bank failed-transferred to contractor to liquid ate assets) o Responsible for overall operation of branch, including cashiering and o Responsible for collection activities and workout strategy on any delinquent b ranch loans o Supervised three (3) employees o Responsible for servicing and underwriting branch loans o Assisted acquiring bank and FDIC in gathering documentation at time of bank fa ilure and acquisition o Provided recommendations to acquiring bank relating to workout loans in portfo lio o Conducted mini-course for working with lenders on a modification or exit strat egy on their own delinquent loans. One World Bank (Dallas, Texas) June 2006a"March 2008 Sr. Vice President/Chief Lending Officer o Implemented, managed and administered bank loan portfolio of $32MM; originated $9MM o Responsible for all loan workouts, including but not limited to, initial conta ct with customer, sending internal and external demand letters, referral to att orney, review of lawsuit or pre-foreclosure strategy, maintenance and involvemen t in bankruptcy proceedings and all hearings, ensuring judgments were obtained a nd recorded, ensuring updated appraisals and environmental site assessments were

conducted and disposition of any foreclosed or repossessed collateral through d irect sale or auction, pursuit of deficiency judgments and preparation of 1099s for any forgiveness of debt o Oversight of loan/credit/administrative staff of 3 o Prepared and presented allowance for loan loss, classified loan list, and loan stratification/classification reports monthly to the Board of Directors o Managed collection of delinquencies and problem loans; preparation of monthly Classified Asset Status Reports to Board of Directors o Monitored and supervised clearing of credit and collateral exceptions o Implemented and oversaw ad-hoc loan administration projects, i.e. analysis of all classified loans, etc. o Handled oversight of clearing collateral exceptions o Performed collateral site visits on new and workout loans o Assisted in discussions with FDIC and State examiners relating to selected cre dits during examination and involvement in wrap-up meetings

Union State Bank (Killeen, Texas) September 2004a"May 2006 Senior Vice President/Commercial Lending & Workout o Serviced approximately $20MM in commercial, consumer and real estate loans (t wo offices) o Implemented workout and restructure strategies on consumer and commercial loan s for two branches o Reduced classified assets and past dues within first 120 days by 30% and 50%, respectively o Performed commercial and commercial real estate underwriting/analysis and prep aration of loan presentations on new, renewed and workout loans for Directors Lo an Committee o Performed site visits on new, renewed and workout credits; provided written st atus reports including digital photos o Attended bankruptcy hearings and worked with in-house attorney to monitor prog ress of legal action, foreclosure and retrieval of collateral.

MetroBank (Houston, Texas) January 2000-August 2004 Vice President, Special Assets Dept. (Department co-manager) o Initiated workout/restructure/litigation/foreclosure strategy involving primar ily operating companies with annual sales under $1MM o Servicing portfolio of approximately 40 assets totaling in excess of $15+MM (p ortfolio fluctuates regularly) o Coordinated direct assignment and asset transfer process between originating/s ervicing officer and Special Assets Dept o Initiated direct contact with borroweras attorneys and other vendors involved with the liquidation process o Reduced classified and non-accrual assets by more than 50% since inception (Ja n. 2000) o Initiated and coordinated customer discussions and development of exit or serv icing strategy on problem loans o Met with bidders interested in note purchases o Worked extensively with outside counsel in drafting forbearance agreements, fi ling lawsuits, initiating foreclosures and development of bid prices, initiating of all collection letters Bank of America (Austin, Texas) January 1996-December 1999 Credit Officer/Loan Review, Business Lending Division

o Performed credit analysis on business lending loan requests using analytical t ools, such as Turbofast and proprietary Excel programs o Delivered credit recommendations and trained business lending personnel in Bof A underwriting process o Analysis and review of borrowing relationships and the preparation of asset re view write-ups addressing collectibility, asset quality and compliance with the Bankas Credit Policy o Assisted the Loan Review Manager in preparing Branch Credit Process Reviews an d/or other asset quality reports submitted to executive management o Audited branch borrowing relationships to ensure that approval, funding and do cumentation are in compliance with Policy Resolution Trust Corp. & FDIC (Division of Liquidation) April 1989-December 1995 (Resolution Trust Corporation - December 1990-January 1996) o Supervised the daily performance and general activities of lending, operations and other support personnel prior to and subsequent to closure or outside acqui sition of the institution o Supervised up to (5) asset managers; responsible for work assignments and perf ormance evaluations o Responsible for RTC oversight of private accounting contractor handling all ph ases of consolidation for sixty (60) closed thrift institutions in San Antonio r egion (FDIC a" April 1989-December 1990) o Responsible for all phases of liquidation/resolution/litigation involving port folio of problem oil/gas, commercial and real estate-secured loans from over 100 failed Texas banking institutions o Prepared and presented written asset resolution (workout) proposals on problem assets o Supervised and participated in 12 bank closings and supervised due diligence a ctivities undertaken by potential purchasers

Oak Hill National Bank (Austin, Texas) (Failed) December 1986-March 1989 Vice President/Commercial Lending o Serviced and originated approximately $10MM of $13MM in total bank loan portfo lio consisting of primarily commercial, consumer, executive and professional, SB A, real estate and construction loans. o Monitored compliance with OCC amemorandum of understandinga directives and imp lementing recommended corrective action o Responsible for writing weekly status memoranda to OCC under mandate of amemor andum of understandinga o Serviced aworkouta portfolio including collection, restructuring, renewal, lit igation, foreclosure and bankruptcy monitoring; maintained awatch lista (many in dependent residential builders o Working of delinquent loans originated to business owners and local homebuilde rs o On delinquent builder loans, securing and coordinating solvent builders to fin ish completion of unfinished houses. o Preparation and update of monthly classified asset reports for Board and regul atory agencies. Navigation Bank (Houston, Texas) April 1985-November 1986 Senior Vice President/Commercial Lending

o Serviced and originated $20MM portfolio comprised primarily of workout credits in all types of loan categories o Supervised two employees in Credit Dept. and monitored credit/technical except ions, credit analysis, loan review and maintenance of loan participation records o Prepared and edited Board report as well as monitoring bankas delinquency awat ch lista o Coordinated delinquency control, litigation and foreclosure activities between bank and legal counsel Allied Bancshares, Inc./First Interstate Bank (Houston, Texas) April 1977-March 1985 Assistant Vice President a" Manager, Special Loan Services Dept. Commercial Lender o Maintained and serviced commercial workout portfolio of approximately $40MM co nsisting of loans from all lending areas of the lead bank and member banks. Thi s included operating companies, wholesale and retail concerns, sole proprietorsh ips, oil and gas service companies, real estate, executive and professional work outs o Duties included workout negotiation, restructure, litigation, foreclosure and general monitoring, including bankruptcy o As head of Loan Recovery Division, established, organized and administered a d epartment of (10) employees handling all phases of bad debt collection for 42 ba nks in the Allied system o Originated and serviced portfolio of approximately $25MM consisting of consume r, executive/professional, commercial, and SBA loans o Completed 6-month formal credit training program

EDUCATION Southwest Graduate School of Banking (SWGSB), Dallas, Texas Graduate MBA, Southwest Texas State University, San Marcos, Texas Marketing/Finance BA, University of Texas, Austin, Texas Psychology