FDIC

Barry Fromm is President of Value Recovery Group, Inc., an asset management and recovery firm that services assets in partnership with the FDIC. Mr. Fromm has managed the successful collection of several billions of dollars of aggregate debt portfolios. He previously managed the financial institutions consulting practice of PriceWaterhouseCoopers in the Ohio Valley region, was Senior VP and Counsel for Mid-America Federal Bank, and is recognized as one of the leading asset managers and recovery specialists in the U.S. for the RTC and FDIC.

Martin J. Gruenberg was elected Chair of the Executive Council and President of the IADI for a three year term at the Annual General Meeting held in Kuala Lumpur, Malaysia, on 2 November 2007. Mr. Gruenberg was sworn in as Vice Chairman of the FDIC Board of Directors on August 22, 2005. Upon the resignation of Chairman Donald Powell, he served as Acting Chairman from November 15, 2005 to June 26, 2006. Mr. Gruenberg joined the Board after broad congressional experience in the financial services and regulatory areas. He served as Senior Counsel to Senator Paul S. Sarbanes (D-MD) on the staff of the Senate Committee on Banking, Housing, and Urban Affairs from 1993 to 2005. Mr. Gruenberg advised the Senator on all issues of domestic and international financial regulation, monetary policy and trade. He also served as Staff Director of the Banking Committee's Subcommittee on International Finance and Monetary Policy from 1987 to 1992. Major legislation in which Mr. Gruenberg played an active role during his service on the Committee includes the Financial Institution Reform, Recovery, and Enforcement Act of 1989 (FIRREA), the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA), the Gramm-Leach-Bliley Act, and the Sarbanes-Oxley Act of 2002. Mr. Gruenberg holds a J.D. from Case Western Reserve Law School and an A.B. from Princeton University, Woodrow Wilson School of Public and International Affairs.

Array

Susan has been a member of Junior League of Annapolis since 2001. Her 8 years of League experience include prior service on the Board of Directors as the Membership Vice President and Nominating Director. She also previously chaired Education & Training and served on Nominating & Placement. Susan is the Internal Risk Manager at the Federal Deposit Insurance Corporation. Susan lives in Harwood with her husband Richard and their daughter Abigail.

Tim is a seasoned commerical real estate finance professional, initally trained as a loan originator and underwriter. He has ten years experience as a CMBS / Securitization / Loan Conduit specialist and currently is an Asset Manager for the FDIC.

Amy Tepen serves as Vice President at NBA, Inc. She has over eleven years of experience with the Federal Deposit Insurance Corporation as a bank examiner assigned to the Mt. Vernon, Illinois field office in the Chicago Region. She has diverse experience with institutions ranging in asset size from $10 million to several billion with a concentration in loan review. In addition, Ms. Tepen has expertise in the information technology, Bank Secrecy Act, safeguarding customer information, trust, and denovo bank areas.

Andy Werkhoven is a New York State licensed Qualified Elevator Inspector, presented courses in elevator operations at the FDNY Technical Rescue School (2002 2005), and has been an instructor at the FDIC since 2003. He is also a New Installations Operations Manager with one of the largest elevator companies in the world. Mr. Werkhoven has over 25 years of experience constructing, repairing, modernizing, and maintaining elevators and escalators in New York

Bob Knabbe is a 26 veteran of the fire service. He has worked for the Atlanta Fire Department and is a 16 year veteran of the FDNY. Bob is assigned to Rescue Company 3 in the Bronx. Bob is an instructor at the FDNY Technical Rescue School and an FDIC HOT Instructor for 7 years and is a partner in SAFE-IR, a thermal imaging training company.

Law Clerk to The Hon. Craig S. Atkins, U. S. Tax Court, 1969-72. Staff Assistant, The Hon. Garner E. Shriver, U.S. House of Representatives, 1965-68. Mr. Barrier's practice is focused on Federal and State financial institution transactions and regulatory matters and on corporate transactions and financings involving governmental approvals, tax or other regulatory complexities. He has been responsible for planning, negotiating and managing several of the largest transactions handled by the Firm, including the formation, merger, demutualization and sale of insurance companies, banks and bank holding companies, the original financing for and ultimate sale of Kansas City's cable television system, and the acquisition and sale of major independent television broadcasting systems. Mr. Barrier's extensive administrative law and regulatory litigation background add to his expertise in addressing current financial institution governance and regulatory concerns, and he regularly represents clients before state banking and insurance departments, the Federal Reserve, the Comptroller of the Currency, the FDIC and the Office of Thrift Supervision on transactional approvals and compliance issues. Mr. Barrier has also led the Firm's public finance engagements since the mid-80's. As nationally recognized bond counsel, he has served as issuer's, borrower's, underwriter's, credit enhancers' and independent bond counsel in financings ranging in complexity from straight municipal/school district issues to credit enhanced low-floaters. Throughout the early 90's, he served as counsel to the RTC in its efforts to resolve hundreds of millions of dollars worth of credit enhanced tax exempt bonds issued in 11 Midwestern states. During 1993-1995, he served as bond counsel to the City of Kansas City, Missouri. Thereafter, he served as financial counsel to the Kansas - Missouri Bi-State Commission in connection with the public financing aspects of the renovation of Kansas City's historic Union Station.

Mr. Hurt began his Investment banking career in 1987 with a small Cincinnati based firm. He has worked for two mid-sized regional Broker Dealer firms and a large regional bank's securities and underwriting division before joining Sweney Cartwright & Co. His experience with municipal issuers includes Counties, Townships, Cities, Schools, Special Districts including Water and Sewer, Hospitals and Libraries. Mr. Hurt has wide experience in corporate finance transactions in which he has served as financial advisor including transactions for firms that are engaged in international commerce. Prior to entering the securities business Mr. Hurt served two elected terms as a County Auditor and tax assessor of a southern Ohio county. He earned a Batchelor of Arts degree from the University of Cincinnati in Political Science and Foreign Affairs and belongs to numerous business and fraternal organizations including the Kiwanis and the Valley of Cincinnati Ancient and Accepted Scottish Rite, F.& A.M. Mr. Hurt holds the National Association of Securities Dealers designation as General Securities Representative (Series 7) and Uniform Securities Agent (Series 63) as well as an Ohio Real Estate agency license.

Array

Douglas Johnson has worked in banking and real estate finance for more than 30 years, including assignments with the predecessors to J.P. Morgan Chase & Co. and Citigroup's Smith Barney Group, with the Dime Savings Bank and the Federal Deposit Insurance Corporation. His consulting services include commercial real estate lending, transaction financings and hedging strategies. He is also leading an ownership group in the developing of a 160+ acre retail center. He is a graduate of the U.S. Military Academy at West Point, and has an MBA from Rutgers University. Professionally, he has spoken widely on mortgage security issues and has represented the mortgage banking trade association in testimony before Congressional committees.

Gary Nelson joined the firm in 2005 to manage the Loan Placement Program. He has nearly 30 years of varied and extensive experience in the financial industry. Included in this experience is: the underwriting and successful placement of over $500 million in commercial financings; the direction of the loan servicing and credit administration of a commercial loan portfolio of over $1.5 billion; and the oversight of over $5 billion in bank and savings & loan assets for the Federal Deposit Insurance Corporation and the Resolution Trust Corporation.

Gary Votapka is a veteran banker and co-founder of Mission Oaks National Bank. In many ways the bank's philosophy and strategy reflect the lessons he learned from 25 years in the financial services industry, including seven years as a bank examiner for the Federal Deposit Insurance Corp. Gary has gone through several mergers and knows first hand the strengths and value of community banking. Most recently he was Vice President and Credit Administrator for California Bank & Trust, a regional institution formed from the merger of First Pacific National Bank of Escondido and Grossmont Bank. He also held executive and credit and loan positions with Fallbrook National Bank (now Community National Bank) and Torrey Pines Bank, a regional bank whose former Temecula branch now serves as Mission Oaks headquarters. Gary oversees an active loan portfolio and is an expert on credit administration and banking laws and regulations. A graduate of Montana State University in Billings, Votapka holds a Bachelor of Science degree in general business. Gary is active in the community. He is a member of the Murrieta Temecula Group and the Citizens' Alliance for Reliable Enterprise. He serves on the Board of Directors of the Boys and Girls Clubs of Southwest County and is on the Dean's Banking and Financial Services Advisory Board of the A. Gary Anderson Graduate School of Management, University of California, Riverside. He also assists Calvary Chapel in Fallbrook as a financial overseer.

George W. Parkerson, a resident of San Francisco, has been associated with the Federal Deposit Insurance Corporation (FDIC) since 1984 as an Examiner, Regional Training Coordinator, Case Manager and currently Associate Regional Director of the San Francisco Region. George began his career in Puyallup, Washington at Safeway, Inc. Prior to his FDIC association he held several positions at Puget Sound National Bank and ITT Consumer Financial Corporation both in Tacoma, Washington. George has a Bachelor of Arts in Business Administration from Pacific Lutheran University in Tacoma, Washington and received his MBA from the University of San Francisco where he is a member of Beta Gamma Sigma. He also graduated from Pacific Coast Banking School in Seattle, Washington. A member of the American Management Association and the Commonwealth Club of San Francisco, George also serves on the Finance Committee for Star of the Sea Catholic Church in San Francisco.

Harlan Barcus, Chief Credit Officer, is responsible for all credit administration including review, portfolio and individual credit analysis, approval and policy administration. Harlan has 25 years of credit administration and banking experience including several years in the 1980s as Senior Bank Examiner for the Federal Deposit Insurance Corporation. He joined U.S. Bank in 1990 and served in a variety of loan administration capacities culminating in his appointment as Vice President and Senior Credit Administration Officer. In 1999, Harlan joined a local community bank, American Pacific Bank, as Senior Vice President and Chief Credit Officer. Active in the community, he is a board member and past President of the Portland/SW Washington chapter of the Risk Management Association, a member of the Oregon Bankers Association Lending Committee, the Providence Milwaukie Hospital Foundation board, and is active in Rotary Club of Portland.

JOHN NEWELL is a 21 year veteran of the City of New York Fire Department, currently serving as a battalion chief in the Bronx/Harlem area. His years of service as an engine officer have developed his expertise in engine operations. He has instructed at the FDNY Academy and is a fireground instructor with the Suffolk County N.Y. Fire Academy. He has also served for over 30 years at the Halesite N.Y. Volunteer Fire Department. He is a veteran instructor of the FDIC and Firehouse Expo.

Kathi has been with Best Friends since March 2004. In her previous position as a community program manager, she helped grassroots organizations to develop community programs and also helped build the new Best Friends Network. For eight months, she assisted with the Hurricane Katrina relief effort by working in the command center at the sanctuary. Before coming to Best Friends, she served as executive director of the Spay Neuter Assistance Program (SNAP) in Springfield, Missouri. Kathi's career in animal welfare began in 1994, when she passed by a PETsMART Luv-a-Pet center and met her first foster cat. Her 12 years of animal welfare experience includes foster parenting for socially challenged cats, and volunteer and board service for a no-kill shelter. Her participation in startup organizations helped her to develop skills in public relations, grant writing, newsletter publication, tax preparation, volunteer management, database management, desktop publishing, strategic planning, and many other facets of nonprofit management. Prior to her involvement in animal welfare, Kathi worked in the business world. Her extensive business background includes administration and sales management for a major communications company, several years as a bank examiner for the FDIC, and her own pet-sitting business. Kathi shares her home in Kanab, Utah, with some very spoiled dogs and cats.

Array

Louise Parent is executive vice president and general counsel of American Express Company, a position she assumed in May 1993. Ms. Parent is a member of the AmericanExpress Global Management Team. Ms. Parent joined American Express in 1977. In 1989, she was named General Counsel of First Data Corporation, the former information services subsidiary of American Express. She became Deputy General Counsel of American Express in 1992. She began her career in 1975 at the New York law firm of Donovan Leisure Newton & Irvine. Ms. Parent serves as a trustee of Smith College and a director of A Better Chance, Inc., and the Cooke Center for Learning and Development. In addition, Ms. Parent is a member of the Council on Foreign Relations and the Advisory Board of The Studio in a School.

Captain Michael M. Dugan has over 32 years of fire service experience and is a 20 year veteran of the FDNY, serving as the Captain of Ladder Co. 123, located in Crown Heights, Brooklyn. As a Lieutenant, Dugan was assigned to Ladder Co. 42 in the South Bronx. While working as a Firefighter in Spanish Harlem's Ladder Co. 43, Dugan received the James Gordon Bennett medal in 1992 and the Harry M. Archer Medal in 1993, the FDNY's highest award for bravery. He is also a former Halesite, Long Island volunteer firefighter. Captain Dugan was an instructor at the inception of the FDNY's Annual Education Day and has developed programs currently taught to all FDNY members during the Annual Education Day. Captain Dugan has been a featured lecturer around the country and at both the "Firehouse Expo" and the "FDIC." He is the lead instructor of the "Firehouse Expo" and "Firehouse Road Show" Engine and Truck Company Operations program and a "HOT" instructor at the "FDIC". He is a contributing editor to "Firehouse" magazine and the Firehouse.com Member's Zone.

MIKE LOMBARDO is a 25-year veteran of the fire service and currently holds the rank of captain with the Buffalo Fire Department, Truck 11. He is a New York State fire instructor and a member of the development team for New York State firefighter survival and rapid intervention programs. He is an editorial advisor for Fire Engineering magazine, a member of the Advisory Board for FDIC and lead instructor for FDIC live fire training. He is a two time Firehouse Magazine Heroism Award recipient (1988 and 1994) and the recipient of the FDIC 1999 Training Achievement Award. He is an instructor on fire tactics, live fire attack, firefighter survival, and command throughout the United States.

Richard Hollowell is a partner within Rachlin's Real Estate and Capital Advisory group, which is within the firm's Advisory Services division. He is nationally recognized in corporate and real estate crisis management, with notable accomplishments in the asset management, receivership, turnaround, liquidation and finance disciplines. Mr. Hollowell has more than 25 years of experience serving a variety of businesses, including domestic and international banks, middle market corporations and government regulatory agencies. He is well known for providing services to the FSLIC, RTC and FDIC, where he directed evaluation, management, disposition and pre-securitization due diligence assignments on under-performing real estate-related assets, aggregating some $15 billion. In addition, he has been a court-appointed receiver and expert witness. Mr. Hollowell is recognized by the corporate recovery, legal and real estate communities for his ability to regenerate stagnant or declining operations through financial restructuring, management reorganization and market repositioning. His experience extends to syndication, retail, aviation, manufacturing, residential and commercial real estate, and resort development.

Sheila Blair, head of the Federal Deposit Insurance Corporation (FDIC), is a passionate advocate of mortgage loan modification to avoid foreclosure. Now she'll have a chance to put her ideas to the test with the FDIC takeover of a failed bank that specialized in bad mortgages.

Steven Woodworth has been in the fire service for 20 years and has worked with volunteer, combination, and urban fire departments. He is presently a Lieutenant with the Atlanta Fire Department. Steven has been actively involved in teaching for the last 15 years and has lectured on the subjects of thermal imaging and firefighter safety throughout the United States and Canada. Steven is the author of several articles on thermal imaging for both Fire Engineering and Firehouse magazines. He is also the co-author of the textbook "Fighting Fires with Foam." He has lectured on the subject of thermal imaging at the FDIC and is a "H.O.T." instructor. Steven has actively been involved in thermal imaging with the fire service for eight years.

Thomas F. Hennessy is originally from the town of Bellmore, on Long Island, NY. Tom, whose relatives served as members of NYPD & FDNY, followed a family tradition by joining the fire department in 1979. He currently serves as Chief of the Southern Manatee Fire Rescue District in Manatee County, Florida. He is a Florida certified firefighter, fire officer, fire inspector, fire investigator, EMT and fire science instructor. He holds advanced certifications in hazardous materials, fire and explosion investigations and industrial safety training. He is a Hands-On Training Instructor for FDIC in Indianapolis and FDIC West in Sacramento. Tom was a Zone Coordinator for the Manatee County Hazardous Materials Team and was a founding member of the team. He served as Haz-Mat Specialist and an Incident Commander for numerous major hazardous materials incidents during his tenure. For several years he also worked as a senior loss analyst for Interscience Inc. of Tampa, Florida, which specializes in loss analysis services. He conducted fire and explosion investigations for residential, commercial, vehicle and marine fires and worked closely with expert forensic scientists, engineers and technical professionals.

W. Kenny Massey, LeClaire, Iowa, is president and CEO of Modern Woodmen of America. He serves as presiding officer of Modern Woodmen's Board of Directors and serves on the board of directors for MWABank, an FDIC-insured savings bank, 100 percent owned by Modern Woodmen. Massey joined Modern Woodmen in January 1982 as a district agent in Mississippi. He became a district representative in June 1982 and was promoted to district manager in 1985. He was named manager of the western Louisiana agency in 1988. He became director of agencies in June 1997, overseeing marketing and sales efforts and the administration of Modern Woodmen's nationwide field force. Massey was appointed to Modern Woodmen's Board of Directors in 2002, and he was named president and CEO in 2005. Massey holds a business degree from Mississippi State University and has earned the Fraternal Insurance Counsellor Fellow designation. He has also completed the Kinder Advanced Management Academy, the Purdue University Professional Management Institute and the Agency Management Training Council. Massey recently earned the LIMRA Leadership Institute Fellow designation, in conjunction with Babson College. Massey serves as past president and board member for the Fraternal Field Managers' Association. He is a member of the Executive Development Committee, which serves as an advisory group to LIMRA International for the Strategies for Executive Advancement Courses and the LIMRA Leadership Institute Fellow designation. He serves on the Board of Directors for the Illinois Quad City Chamber of Commerce and is a member of the Air Service Committee, Quad City Development Group and Quad City Contributors Council. At Modern Woodmen he serves on the Product Implementation and Administration Committee and the Fraternal Committee.

Array

Kathy Watanabe is a Director of Premier Business Bank, an FDIC-insured bank headquartered in downtown Los Angeles, which serves the banking needs of small businesses, commercial property owners and managers, service professionals, and community non-profits primarily located in Southern California. She also serves on the Audit Committee and Director Loan Committee for the Bank. As an Organizing Director of the Bank, she was an active participant in the formation of the Bank and the application for the charter. She specializes in real estate lending and asset management financial services and contributes to the exceptional real estate expertise at the Bank.

Array