Watkins Consulting. Conducted consultant s teleconference regarding data analytics and the credit decision process.

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1 Watkins Consulting Franklin W. Brough Senior Consultant In excess of 40 years of extensive banking/financial institution experience. Significant involvement with credit evaluation, lending supervision, loan operations management, risk management, compliance and information security functions at Senior Management level. Extended-term positions as: Senior Credit Officer, defense analysis for litigation matters on residential mortgage securitizations Senior Project Analyst on a 500+ member project for the OCC Investigation Manager, FDIC Asset Manager for a Receivership Contractor in association with the FDIC Loan Review Analyst on a multi-billion dollar bank portfolio in cooperation with the OCC Mortgage Department review analyst for a local Community Bank Conducted consultant s teleconference regarding data analytics and the credit decision process. Senior Level Positions held include: President/CEO of a bank subsidiary (consumer finance company operation) SVP, Chief Compliance Officer SVP, Chief Credit Officer SVP, Senior Risk Management Officer SVP, Information Security Officer VP, Director of Mortgage Lending Various positions, prior to these roles represented, incorporated knowledge and applications of bank operations, product development, business development and department management. Banking expertise includes a solid understanding of credit policy and procedures, underwriting, Federal and State regulatory guidelines, banking compliance requirements, and risk assessment/management. Service with distinction in the U.S. Air Force during the Viet Nam era, the U.S. Army Reserves and subsequent service during Operation Desert Storm. Total Military experience in the area of Military Intelligence, as a Russian linguist, while holding a TSSI/Compartmentalized Security Clearance; and received the Joint Services Achievement Medal during Desert Storm. 888 Bestgate Road, Suite 401, Annapolis, MD

2 Senior Consultant 2 Expertise Banking Credit Compliance Operations HELOC Portfolio Analysis Product Development Mortgage Risk Management Business Development Securitization Information Security Experience FWB Consulting Services of E. TN Founder As a Senior Credit Officer responsible for review of loan level review of third party claimed breach allegations against various deal related documents. Identification and presentation of factual file evidence to support defense of allegations and validate that origination underwriting followed process, protocol, and guidelines. Responsible for Mortgage Credit Team support and guidance throughout various stages of set-up, document matching, inventory, documentation assessment and data collection. NewOak Capital, LLC Senior Credit Officer/Underwriter As a Senior Credit Officer responsible for review of loan level review of third party claimed breach allegations against various deal related documents. Identification and presentation of factual file evidence to support defense of allegations and validate that origination underwriting followed process, protocol, and guidelines. Responsible for Mortgage Credit Team support and guidance throughout various stages of set-up, document matching, inventory, documentation assessment and data collection. As an Underwriter responsible for review and analysis of plaintiff findings/allegations, and required forensic review of loan files to determine lender compliance with internal policies/procedures/controls. SolomonEdwardsGroup, LLC Project Contractor As a Senior Analyst (Project Consultant), contracted to the OCC, to determine, confirm and prepare forensic foreclosure analysis on a portfolio of assets in excess of 28,000 loans. Additional duties include training and mentoring of an 85-member team, with daily/weekly tracking and reporting requirements, for the completion of tasks involving evaluation and analysis of fees and expenses, loss mitigation procedures for determination of potential consumer harm incurred within the portfolio. Additional discretionary information concerning this assignment may be shared in the personal interview process.

3 Senior Consultant 3 RSM/McGladrey, Inc. JV with The Corvus Group RAC Contractor, Investigation Manager As an Investigations Manager (IM), contracted to the FDIC, for the purpose of investigation and analysis of reasons that have led to the failure of a financial institution. Primary duties include management and organization of an Investigations team in the function of in-depth forensic analysis with regard to bank disciplines in the areas of Credit, Compliance, principles of Safety and Soundness, Directors and Officers liability, Fidelity Bond liability, Senior Management operational capabilities, defalcation and/or fraud, and forensic loan review. In this capacity, the IM reports to the FDIC oversight Investigator, and/or members of the FDIC Professional Legal Group (PLG), and/or assists in internal investigations conducted by the FDIC Office of the Inspector General (OIG). Supervised and directed Investigation personnel in the collection of data integral to the process of evaluating bank internal Policies and Procedures, Risk Management, and Board oversight that may have been contributing factors that led to failure. Responsible for the preparation and submission of rigidly scheduled and formatted reports that detail significant findings associated with the investigation of the Credit process and preparation of special investigation Memos on unique findings that required immediate supervisory assessment and/or action. The Corvus Group, Inc. JV with RSM/McGladrey RAC Contractor, Investigations Senior Professional As an Investigations Senior Professional, contracted to the FDIC, for the purpose of investigation and analysis of reasons that lead to the failure of a financial institution. Duties include prediscovery and discovery for summarization and case preparation, litigation support functions, analysis of the history of the financial institution and personnel interviews with Senior Management and Board members. These efforts assisted in determining reasons for institution failure and to identify Directors, Officers, or other professionals that caused or contributed to losses resulting in failure. Additional duties included gathering and inventory of all bank records necessary for the investigation process; review and assessment of Credit Policy, Board Minutes, Executive Loan Committee Minutes, and Audit and Compliance records to determine adherence to State and Federal Guidelines, and bank response to Regulatory Examinations at multiple levels, as well as evaluate compliance with internal Policies and Procedures relating to Safety and Soundness of the institution. The Investigations assignment included extensive evaluation of significant loan assets to determine possibility of fraud, mismanagement, and/or lack of supervisory controls. SolomonEdwardsGroup, LLC RAC Contractor, Asset Manager As an Asset Manager, contracted to the FDIC, (leading a 6 member team) to determine, confirm and prepare repudiations on all bank vendor contracts for a $26.5B bank. Initial indication for the number of contracts was established at 495. Subsequent and lengthy investigation of matters pertaining to the actual number of contracts established the final number to be in excess of 1600 contracts. The processes in determining the final number of contracts involved extensive investigation into corporate level, regional level, branch level and individual personal level executory contracts that were previously unrecorded within the bank s risk management profiles. The work required a close relationship with the failed bank s risk management division for analyzing, documenting and reporting each previously undisclosed contract found, as well as

4 Senior Consultant 4 extensive reporting of all findings to the contract management attorney representing the Acquiring Institution. Additional duties included supervision and reporting requirements for the evaluation and repudiation of 500 Standby Letters of Credit, and related review and reporting requirements on Leased Equipment repudiations. Worked in conjunction with the FDIC and the Acquiring Institution (AI) for the creation and development of a web site portal structured to meet weekly/monthly project reporting requirements. Watkins Consulting, Inc. Senior Consultant Performed loan review, analysis and reporting as part of an 8-member team on approximately $3B of commercial and residential real estate loans for a $4.4B bank in the Atlanta, GA. Area. Objectives realized were in cooperation with the OCC. Specific areas of credit investigation and analysis included financial analysis of borrowers and verification of credit and loan officer procedures in association with corporate loan policy and State and Federal guidelines on Commercial Real Estate lending. Andrew Johnson Bank Senior Vice President Chief Credit Officer, Senior Risk Management Officer, Chief Compliance Officer, Information Security Officer, CRA Officer, Regulation O Officer In the position of Chief Credit Officer, responsibility for providing support, direction, credit information, and creation of loan policies and procedures to ensure the overall quality of the Bank's lending portfolio. This position reported directly to the President and CEO of the Bank. Duties included calculating the Allowance for Loan and Lease Loss Reserve (ALLL) and making recommendations to Executive Management and the Board of Directors for monthly allocations to the Loan Loss Reserve. Reviewed and concurred/not concurred with decisions on large and complex commercial loans prior to submission to Finance Committee. Recommended structuring and data collection for the decision making process. Participated in multi-level committees involved in the management of the Bank. Performed direct supervisory duties and coordination of Loan Operations Department staff, Collection Manager and Staff, and Secondary Market Loan Brokerage Department. As Senior Risk Management Officer, varied responsibilities for performing bank-wide Risk Assessments for various Departments, Products, and Services in keeping with Regulatory guidelines. Chief Compliance Officer functions incorporated adherence to all Regulatory, State and Federal mandates; tracked and implemented all new Financial Institution guidelines. As Chairperson of the Bank s Compliance Committee, established/wrote Policies and Procedures for integration by Bank Management. Prepared monthly/quarterly and/or annual reports for presentation to Audit Committee and the Board of Directors. As Information Security Officer, bank-wide annual training and implementation of best practices in relation to matters pertaining to Information Security (IS), IS breaches, ID Theft Prevention Program, monitored and reported to IT Committee on IS inspections at Branch and Department levels. As CRA Officer, preparation and reporting on bank-wide efforts to develop and promote lending programs in a multi-county area.

5 Senior Consultant 5 As REG O Officer, monthly tracking and Board reports on all loans to Directors and Executive Officers to include continuous monitoring of general underwriting criteria to maintain compliance. Annual large-credit relationship reviews submitted to Audit Committee. Note: The position of Chief Credit Officer was an awarded promotion after Regulatory Agency intervention in the operations of the institution, and recognition by the Agency for personal experience and competency. In this capacity, performed liaison duties in the writing and submission of mandatory, scheduled reports in accordance with Agency requirements on weekly/monthly/quarterly basis. Member of the Senior Management Committee President/CEO/ and Board Member of AJ Financial (a wholly owned subsidiary) Member of the Andrew Johnson Bank Loan Review Committee Director of the Andrew Johnson Bank Loan Officers Committee Bank CRA (Community Reinvestment Act) Officer Vice-President, Director of Mortgage Lending Responsible for soliciting, negotiating, underwriting and coordinating the closing of major and complex residential, construction and commercial real estate loans in compliance with all Bank policies and State and Federal procedures; business development through deposit relationships with customers; promoted business for the Bank through good customer relations and proper referral to appropriate staff for new services. Responsible for attaining established Bank and Departmental goals through sales management and officer call programs. Provided leadership, training and support to less experienced loan officers and other staff members. Performed direct supervisory duties and coordination of Department staff. Installed Broker/Correspondent Mortgage Program with over 28 lenders nationwide. Implemented training and staffing for the Mortgage Department resulting in significant growth annually. Management of products and pricing that provided over 100% ROI for the Department. A-T-P Mortgages, Inc. President/Founder Origination of First and Second Mortgages on residential and commercial properties as well as Acquisition/Development/Construction (ADC) loans throughout a five (5) county area. Loans were underwritten to FNMA, FHLMC, VA, and FHA guidelines. Management of office personnel in the training and implementation of Federal and State Regulations. Established a Broker/Correspondent Network in excess of 47 lenders. Performed loan underwriting for a network of private portfolio investors; with loans in this category totaling in excess of $20MM annually. Gulfstream Financial Services Implemented residential First Mortgage processing programs in accordance with FNMA/FHLMC standards and brokering of Conventional and Government mortgages. Managed sales and purchases of discounted commercial and residential mortgage products throughout a nationwide network of lenders. Originated Commercial Real Estate (CRE) loans and residential mortgage loans.

6 Senior Consultant 6 CIT Financial Services Development of Real Estate and Consumer Loan Products. Received company s award for low delinquency statistics. Responsible for quota development for productivity standards and received recognition for excellence in training. Mellon Financial Services Senior Branch Manager Development of Commercial and residential real estate and Consumer loan products. Opened this office de-nouveau and realized $18MM in volume in first year while maintaining lowest delinquency ratio within the Company. Signal Financial (Div. of PNB Corp) Internal Auditor Reported to the Senior Auditor, EVP of Production, and Corporation President/CEO. Responsible for conducting Internal Audits of multi-state branches to include 83 offices throughout 11 states. Audit functions included assurance of Federal and multi-state Compliance with Company underwriting guidelines regarding Real Estate and Consumer Loan programs, training, personnel issues, and investigation into defalcations. Performed extensive investigation into areas of employee and/or consumer fraud as part of a 3- member team. The position required detailed reporting techniques and discretionary use of authority to terminate employees as necessary. Additional reporting requirements included notification to State and/or Federal authorities as necessary. Education Arizona State Univ Syracuse Univ San Antonio College Daytona State College Coursework focused on Accounting, Finance and Business Management Multiple, annual seminars attended and certificates received for training in the areas of Credit Analysis, Credit Underwriting, Risk Management, Federal Compliance standards, Fair Lending, CRA