Katherine A. Bailey - President/Founder Temecula, Ca. Functional Strengths: Proficient at measuring financial performance with an excellent knowledge of a wide range of financial tools. Possesses superior strengths in financial planning and cash management, evaluation of deposit products, budgeting, forecasting, and strategic planning. Business growth through strong business development skills. Leadership Abilities: Results-oriented leader adept at managed risk taking with a keen sense of bottom-line profitability. An inspiring team leader who approaches projects with enthusiasm and vision. Extremely organized with the ability to produce exceptional results in a demanding environment. Respected by both industry and community executives. Personal Qualities: Skilled negotiator with the ability to combine broad based technical knowledge and planning abilities to optimize results. Possesses a commitment to implementation that leads to maximum performance. Equally able to accommodate multiple demands for commitment of time, energy, and information expeditiously and resourcefully. Additional Attributes: Highly organized. Capable of managing complex projects in an uncertain environment. Consistently meets internal deadlines without sacrificing customer satisfaction. Provides timely feedback to top management. Go-to person to develop out of the box solutions that balance customer needs, risk, and return, always within bank guidelines. High community involvement- Temecula Business of the Year 2003, Citizen of the year nominee 2000, 2001, 2002. Experience: 2005 to Present - Owner and Senior Vice President of Bailey's and Associates Regular duties include the overall management operations, sales, lending, staff supervision, cost center management, budget creating, human resources, goal supervision, personnel recruitment and business development. Responsible for generating over $45 million in business in 5 years since opening. 1998 to 2010 Senior Vice President/Branch Manager Temecula, CA Regular duties include the overall management of daily banking operations, sales, lending, staff supervision, cost center management, budget, human resources, goal supervision, personnel recruitment and business development. Managed staff and budget to success for Union Bank, Pacific Western Bank , and 1st Centennial Bank all as startup in their markets. Nominated for Large Business of the Year by Temecula Valley Chamber of Commerce 1998, 1999, 2000, and 2001. 2003 Temecula Valley Chamber of Commerce Business of the Year recipient Community Involvement: Past Vice President/Treasurer, Temecula Chamber of Commerce (8 yrs) Temecula Valley Convention Visitors Bureau Treasurer (4 yrs) Currently Director, Vice President Oak Grove Institute (3 years) Currently Co-Chair Board of Trustees Oak Grove Institute Education and Certifications Master's Degree Equivalent, Union Bank Management 18 month Training program 1994 Bachelor's Degree in Business Administration, New Mexico State University 1986 Licensed Series 6 Licensed Series 63 Licensed Life Agent Graduate Temecula Valley Chamber of Commerce Leadership Academy 2004

Kevin W. Bowlin - Senior Vice President Temecula, Ca. 24 year's real estate sales/acquisition, management, finance and consulting experience. Focus on private money investment, valuation, debt restructure and distress resolution/workouts. All facets of retail and wholesale loan origination, funding and secondary marketing. Commercial, Industrial, Residential and Land. Affiliates Equity, Inc. Real Estate and Mortgage Brokerage Temecula, Ca. CEO January 1989 – Present Private Money real estate valuations, investments,  resolutions and workouts Full Realty Services Inc Real Estate and Mortgage Brokerage Murrieta, Ca. Managing Partner October 08 – Present Traditional real estate buy/sell services and agency mortgage brokerage services. KC Bowlin, LLP Temecula, Ca. Managing Partner 2004 – Present Securities' Investments Penn National Mortgage VP Retail Lending Santa Ana, Ca. 1985 – 1989 Star Meadows Ranch, Inc Whitefish, Mt. CEO Acquisition and development of extended stay Resort property. Bowberg Futures, LLP 1991-1994 Temecula, Ca. Private Commodities Trader Capital Ventures Mortgage Group, Inc 1989 – 2004 Riverside, Ca. CEO Sold company 1994 to Penn National Mortgage. Personal Cowboy poet, Writer, public speaker photographer, Ultra marathon runner, adventure racer, tri-athlete, kayaker, personal trainer