PHILLIP ROLAND FULLER. D.B.A. Mississippi State University, Starkville, MS Major - Finance; Minors - Accounting and Economics. Degree conferred 1990.

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1 1 PHILLIP ROLAND FULLER TEACHING INTERESTS: Managerial Finance and Portfolio Theory. EDUCATION: D.B.A. Mississippi State University, Starkville, MS Major - Finance; Minors - Accounting and Economics. Degree conferred M.B.A. West Georgia College, Carrollton, GA Major - Business Administration. Degree conferred B.B.A. West Georgia College. Majors - Accounting and Economics. Degree conferred WORK EXPERIENCE: Jackson State University, Jackson, MS Professor of Finance. Courses taught - Business and Managerial Finance, Investments, Portfolio Analysis, and Financial Institutions. Employed from 1986 to present. Delta State University, Cleveland, MS Assistant Professor of Finance. Courses taught - Business Finance, Financial Institutions, and Principles of Microeconomic. Employed from Mississippi State University - Meridian Branch, Meridian, MS Graduate Assistant. Courses taught - Commercial Banking and Managerial Finance. Employed Spring Mississippi State University. Graduate Assistant. Courses taught - Money and Banking and Principles of Macroeconomics. Employed from 1983 through Mississippi University for Women, Columbus, MS Weekend Lecturer. Course taught - Cost Accounting. Employed Fall State of Georgia - Dept. of Banking and Finance. Bank Examiner. Examined state chartered banks to evaluate their financial strengths and weaknesses and compliance with state and federal regulations. Employed SCHOLARLY ACTIVITIES: Dissertation "Predicting the Financial Distress and Failure of Savings and Loan Associations." Dissertation, Mississippi State University, May, Doctoral Publications

2 2 Yu, Geungu, Phillip Fuller and Dal Didia. The Impact of Yield Slope on Stock Performance Southwestern Economic Review (Spring 2013): Fuller, Phillip, Geungu Yu and Denis Boudreaux, Should Investors be Fearful of the Halloween Effect? Southwestern Economic Review (Spring 2012): Boudreaux, Denis, Spuma Rao and Phillip Fuller. An Investigation of the Weekend Effect during Different Market Orientations Journal of Economics and Finance. 34(3) (2010): Yu, Geungu, Phillip Fuller and Dal Didia. Inverted Yield Curves and Stock Market Performance: Recent Evidence. Southwestern Economic Review (Spring 2008): Fuller, Phillip, Betty Green and Michael Graysen Medicare s Prescription Drug Finder: Utilizing Technology to Benefit Medicare Clients. Journal of Financial Planning: Between the Issues (October 2007). Yu, Geungu, Patricia Freeman and Phillip Fuller. Do Recent Changes in the Dow Jones Industrial Average Support the Price-Pressure Hypothesis. Southwestern Economic Review (Spring 2007): Fuller, Phillip, Betty Green and Emily Zietz. Should Your Clients Enroll in Medicare s New Drug Program? Journal of Financial Planning (January 2006): 72-74, 76 and 77. Fuller, Phillip, Geungu Yu and Patricia Freeman. The Impact of Dow Jones Index Additions and Deletion: The 2004 Case. Business Research Yearbook (April 2005): Fuller, Phillip, Patricia Freeman and Denis Boudreaux. An Analysis of Minority Owned-Firms Health Insurance Offerings.. Business Research Yearbook (April 2003): Fuller, Phillip and Denis Boudreaux. Relationship between Financial Distress and Risk: The Enron Case. Business Research Yearbook (April 2002): Fuller, Phillip and Gail Grass Fulgham. Analyses of Small Business Loan Denial and Default Rates to Detect Disparities in the Credit Market. Business and Economic Review ( Fall 2001): Fuller, Phillip, Denis Boudreaux, Phillip Boudreaux, and Ken Gray. Time Anomalies in a New Securities Exchange: Evidence and Implications in Nairobi. Journal of Global Business (Spring 2001): Fuller, Phillip, Roger Calcote and Emily Zietz. The Role of the Accountant as a Financial Planner. Lagniappe (January 1998): Publications (continued)

3 3 Fuller, Phillip, Roger Calcote and Emily Zietz. The Role of Financial Counselors in Long-term Health Care Planning. Financial Counseling and Planning 8 (1) (1997): Boudreaux. Denis, Philip Boudreaux, Bruce Payne and Phillip Fuller."A Review of Appraisal Techniques for Closely Held Companies Involved in Damage Litigation." Journal of Accounting and Finance Research (Summer 1996): Fuller, Phillip, and Roger Calcote. "Strategies for Financing Long-term Care." National Public Accountant (June 1996): Fuller, Phillip, and Theodor Kohers. "Developing a Decision Rule to Predict Failure: The Case of Savings and Loan Associations." Journal of Economics and Finance 18 (1) (Spring 1994): Fuller, Phillip, and with Marsha Scheidt."Are Published 'Norms' Really Norms?" Credit Research Digest (January 1994). Scheidt, Marsha and Phillip Fuller. "Attributes of Firms Electing Early Adoption of Statement 96." Business and Economic Review vol. 7 no. 1 (Fall 1993): Fuller, Phillip, and with Marsha Scheidt. "Coping with the Inherent Problems Associated with Utilizing Industry Norms." Journal of Business and Finance Librarianship 1 (4) (1993): Fuller, Phillip. "Factors Influencing the Net Social Cost of the S&L Crisis." Business and Economic Review 6 (Fall 1992): Fuller, Phillip and Richard Russell, Should Real Estate Investments be Included in Your IRA? Should Real Estate be in Your IRA? Presented at the 2013 annual meeting of the International Academy of Business Disciplines held in Atlanta GA. Fuller, Phillip, Teaching Adventures and Misadventures of an Online Virgin Presented at the 2012 annual meeting of the International Academy of Business Disciplines held in Long Beach, CA. Fuller, Phillip, Geungu Yu and Denis Boudreaux, Analyses of Stock Performance During the Summer Presented at the 2011 annual meeting of the International Academy of Business Disciplines held in New Orleans. Fuller, Phillip, Betty B. Green and Denis Boudreaux. Which is Better: Traditional Medicare or Medicare Advantage? Presented at the 2010 annual meeting of the International Academy of Business Disciplines held in Las Vegas.

4 Are Older and Younger Entrepreneurs Similar? with Mary White (vol. 35, pp ). Presented at the 35 th conference of the Association of Small Business and Entrepreneurship held in Little Rock in October to view article in Proceeding go to Boudreaux, Denis, Spuma Rao and Phillip Fuller. The Weekend Effect During Different Market Orientations. Presented at the 2007 annual meeting of the International Business and Economic Research Conference held in Las Vegas on October 1-4. Abstract can be viewed at Fuller, Phillip, Betty Green and Denis Boudreaux. Selecting a Medicare Part D Plan. Presented at the 2007 annual meeting of the International Academy of Business Disciplines held in Orlando on March 29-April 1. Yu, Geungu, Phillip Fuller and Dal Didia. The Impact of Inverted Yield Curve on Performance of Small, Mid and Big Cap Stocks, Presented at the 2007 annual meeting of the Southwestern Economic Association held in San Diego on March Geungu Yu. and Patricia Freeman. Do Recent Changes in the Dow Jones Industrial Average Support the Price Pressure Hypothesis. Presented at the 2006 annual Economic Research Symposium held in Jackson on Nov. 15, Fuller, Phillip, Denis Boudreaux and Glenda Glover. Becoming a Financial Expert Witness. Presented at the 2006 meeting of the International Academy of Business Disciplines held in San Diego on April 6-9. Fuller, Phillip. Do Dun and Bradstreet Credit Ratings Reflect Racial Disparities. Presented at the 2005 annual Economic Research Symposium held in Jackson in Nov Fuller, Phillip and Betty Green. Discussion on Recent Changes in Medicare Benefits. Presented at the 2004 annual meeting of the American Academy of Accounting and Finance held in New Orleans Dec Fuller, Phillip, and Denis Boudreaux. Do Minority Entrepreneurs Engage in Self Discrimination? Presented at the thirteenth annual conference of the International Academy of Business Disciplines held in San Antonio on March Fuller, Phillip. Why do Entrepreneurs Decide not to Apply for Business Loans? Presented at the 2003 annual conference of the American Academy of Accounting and Finance held in New Orleans on Dec Fuller, Phillip. Do Minority Entrepreneurs Engage in Self Discrimination? Presented at the twelfth annual Economic Research Symposium held in Jackson on Nov

5 Fuller, Phillip. Controlling the Costs of Prescription Drugs. Presented at the 2002 annual conference of the American Academy of Accounting and Finance held in New Orleans on Dec Boudreaux, Denis, Philip Boudreaux and Phillip Fuller. Interpreting Betas of Financially Distressed Companies. Denis and Philip Boudreaux. In the Proceedings of the 2001 annual conference of the American Academy of Accounting and Finance held in New Orleans on (Dec. 2002): Fuller, Phillip and Patricia Freeman. Analysis of Health Insurance Offered by Minority-Owned Firms. Presented at the thirteenth annual conference of the International Academy of Business Disciplines held in Orlando on April 5-8, Fuller, Phillip. Analysis of Health Insurance Offered by Small Minority Owned Firms in Urban Areas. Presented at the ninth annual Economic Research Symposium held in Jackson on Nov Fuller, Phillip and Elizabeth Semko. Advising Compulsive Spenders. In Proceedings of the 2000 annual conference of the Academy of Accounting and Finance held in Nashville. Fuller, Phillip, Denis Boudreaux, Phillip Boudreaux and Ken Gray. Time Anomalies in a New Securities Exchange: Evidence and Implications in Nairobi. Proceedings of the Association for Global Business vol. 11 (1999): Fuller, Phillip and Renee Foster. Students and Their Credit Cards. Presented at the 1999 conference of the American Academy Of Accounting and Finance held in New Orleans on Dec Fuller, Phillip. Analyses of Loan Denial and Default Rates to Detect Discrimination. Presented at the 1999 annual conference of the Academy of Economics and Finance held in Little Rock on Feb Fuller, Phillip, Henry Thomas and Renee Foster. Profiles of Entrepreneurs who Utilized the Small Business Administration. In the Proceedings of the 1998 annual conference of the American Academy of Accounting and Finance held in New Orleans on Dec Fuller, Phillip. Profiles of African American Entrepreneurs doing Business in Urban Areas: Case of Sole Proprietors. Presented at the eighth annual Economic Research Symposium held in Jackson on Nov. 18, Fuller, Phillip and Renee Foster. African American Entrepreneurs Experience with the Loan Process. Presented at the 1998 annual conference of the Midsouth Association of Accounting and Finance held in Jackson, MS. On Nov. 3. Fuller, Phillip and Renee Foster. How do Financial Specialists Market Their Financial Planning Service. Presented at the 1998 annual conference of the American Society of Business and Behavioral Sciences held in Los Vegas on Feb

6 Fuller, Phillip and Renee Foster. How do CPAs Advertise Their Financial Planning Service. Presented at the 1998 annual conference of the Academy of Economics and Finance held in Montgomery on Feb Fuller, Phillip and Renee Foster. Personal Financial Specialists Perceptions of Advertising Their Service. In Proceedings of the 1997 annual conference of the Midsouth Association of Accounting and Finance held in Jackson, MS. On Sept. 29. Fuller, Phillip, Roger Calcote and Emily Zietz. "Addressing Long-term Care Needs in the 90s. In Proceedings of the 1997 annual conference of the American Academy of Economics and Finance held in Lafayette, LA on Feb Fuller, Phillip and Roger Calcote. "Analyses of Personal Financial Specialist Acceptance of Commissions." Presented at the 1996 annual conference of the American Academy of Accounting and Finance held in New Orleans on December 4-5. Fuller, Phillip and Roger Calcote."Pros and Cons of Commission for CPAs. Presented at sixth annual Economic Research Symposium held in Jackson on Nov. 20, Fuller, Phillip and Roger Calcote. "Personal Financial Specialists' Assessment of Risk." Presented at the 1996 annual conference of Midsouth Academy Of Economics and Finance held in Atlanta on Feb Boudreaux, Denis, Phillip Boudreaux, Bruce Payne and Phillip Fuller. "Review of Appraisal Techniques for Closely held Companies Involved in Damage Litigations." In Proceedings of the 1995 annual conference of the American Academy of Accounting and Finance held in New Orleans on Dec Fuller, Phillip and Roger Calcote. "Comparison of PFSs and CPAs Assessment of Risk - A Pilot Study." In Proceedings of the 1995 annual conference of the American Academy of Accounting and Finance held in New Orleans on Dec Fuller, Phillip and Roger Calcote. "CPAs' Assessment of Clients' Insurance Coverage - A Preliminary Investigation." In Proceedings of the third annual conference of the Mid-south Institute of Accountants held in Jackson, Ms. on October 25, Fuller, Phillip and Renee Foster. "Effective Promotional Tools for Financial Planners." with Renee Foster. Presented at the third annual conference of the Mid-south Institute of Accountants held in Jackson, Ms. on October 25, Fuller, Phillip Della Cooper. and Renee Foster. "The Perceptions of Business Students at Jackson State and Delta State Universities on Entrepreneurship." Presented at the Economic Research Symposium in November Fuller, Phillip and Roger Calcote. "Personal Financial Specialists' Perceptions on Financing Longterm Care." Presented at the 1995 annual conference of the Mid-south Institute of Accountants held in Memphis, January 17.

7 Fuller, Phillip and Roger Calcote. "CPAs' Perceptions on Financing Long-term Care." with Roger Calcote. Presented at the 1994 annual conference of the American Academy of Accounting and Finance held in New Orleans, December 7-8. Fuller, Phillip, Denis Boudreaux, Philip Boudreaux and Kenneth R. Gray. "Time Anomalies in a New Securities Exchange: Evidence & Implications in Nairobi." Presented at the 1994 annual conference of the Association of Global Business held in Las Vegas, November Fuller, Phillip and Roger Calcote."Alternatives for Financing Long Term Health Care." In Proceedings of the 1994 annual conference of the American Society of Business and Behavioral Sciences held in Las Vegas, September, Fuller, Phillip and Roger Calcote. "Voluntary Impoverishment and Medicaid: Update." Presented at the 1994 annual conference of the Midsouth Institute of Accountants held in Jackson, MS, May Fuller, Phillip and Roger Calcote. "Financial Planning for Long-term Care." Presented at the 59th annual conference of The Association of Social and Behavioral Scientists Inc. held in Jackson, MS, March 23-26, Boudreaux, Denis, Philip Boudreaux and Phillip Fuller. "Is there a Monthly Effect in International Stock Markets?" In Proceedings of the 1994 Academy of Business Administration national conference held in Las Vegas, February, Fuller, Phillip, and Marsha Scheidt. "Statistical Comparison of Published Norms." Presented at the 1994 annual conference of the Midsouth Academy of Economics and Finance held in Nashville, February, Fuller, Phillip, and Marsha Scheidt. "Detecting a Troubled but Persevering S&L." In Proceedings of the 1993 Southwestern regional conference of the American Accounting Association held in New Orleans, March, 3-6. Fuller, Phillip, and Marsha Scheidt. "Comparison of Industry Norm Publications." In Proceedings of the 1993 Southeast regional conference of the Decision Sciences Institute held in Chattanooga, TN, February, Fuller, Phillip, and Theodor Kohers. "Developing a Decision Rule to Predict Failure: The Case of Savings and Loan Associations." with Theodor Kohers. In Proceedings of the national conference of the Decision Sciences Institute held in November Also presented as "Developing a Decision Rule to Predict Failure: The Case of S&Ls" at the Economic Research Symposium, November, Fuller, Phillip, and Marsha Scheidt. "Profile Analyses of Nonproblem, Artificially-Surviving, and Failed S&Ls." Presented at the 1992 Economic Research Symposium.

8 Scheidt, Marsha and Phillip Fuller. "Attributes of Firms Electing Early Adoption of Statement 96." Presented at the Second Annual School of Business Symposium, April 1992.