DPR Investments, Ltd. is a privately held diversified consumer services investment company that owns and manages multiple franchise businesses. These include auto sales, consumer finance, consumer rental products, self-storage facilities, fine dining restaurants, commercial investment properties as well as oil and gas facilities. Manage daily operations of approximately 500 employees within 8 companies Evaluate acquisition opportunities Install management to run companies acquired Divest companies as directed by the Board Year-over-year growth and profits in some companies as much as 50% annually Full P&L Responsibility $100MM annual revenue/$10MM EBITDA Responsible for growth strategy for individual companies as well as holding company as well as providing operational management Reporting directly to the Board of Directors

Managed daily operations of 1300 employees during rapid organic growth from 264 branches to 350, increasing enterprise value by 75%Responsible for P&L Management with $40MM annual EBITDADeveloped and executed sales, product and operational strategies, positioning the company for 50% growth in assets and revenueDeveloped online products and services, increasing market penetrationImproved operational results significantly by:Developing new branch/location optimization selection models to ensure branches were located in the most profitable locations Opening 86 new branches, including VA and GA, expanding the geographic footprint by 32%Developing new daily MIS reportsDeveloping auto and retail financing programsImproved operational reliability and productivity throughout the field offices by instilling a culture of compliance and unity, and by implementing:A new sales and collections incentive programOnline access to policies and proceduresA new origination and underwriting IT system which improved productivity by allowing for electronic payments, texting, sales scripting, electronic underwriting as well as enhancing branding and customer accessibility through new websiteDesigned and implemented regulatory initiatives including insurance sales programs to ensure compliance with all regulationsDeveloped new statistical mail selection models, improving productivity of direct mail initiativesImproved customer satisfaction scores to an 82 net promoter score, comparable to Apple and Microsoft

Day-to-day operations management of decentralized consumer finance network with 1200 offices and 5000 employees in the US, Canada and Puerto RicoEnabled merger between OneMain and Springleaf (owned by Fortress) by: Preparing company for IPO as well as acquisition by private equity firm Managing project team implementing $4B of loan securitizationsEnabled approval and integration of 9 mergers and acquisitions by: Interacting with various corporate and regulatory entities Overseeing project and integration team Designed and implemented corporate strategic initiatives including: Cross-selling: auto insurance, checking accounts, credit cards Audit issue resolutions: mortgage recovery mitigationRegulatory compliance: insurance sales; single point of contactRegional expansion: opened 200 new branchesBranch efficiencies, contributing to 20% increase in branch profitabilityOversaw internal and external reviews and exams of over 1200 operational locations as well as all corporate entities, contributing to Citi’s culture of continuous improvement and complianceManaged and implemented mortgage consent orders contributing to regulatory bodies’ continued approval of mortgage lending and acquisitionsCoordinated CFPB examinations along with Compliance DepartmentDrove corporate restructures and re-engineering projects, including splitting CitiFinancial into two operating companies: OneMain focused on consumer finance with 1200 branches CitiFinancial Servicing opened up 32 real estate centers ($5B assets)

Managed central compliance operations including quality control, self- assessment, risk assessment, risk monitoring and fraud. Audit committee memberImplemented industry-changing lending initiatives across all Citi consumer finance businesses including OneMain, Source One, Citicorp Home Mortgage, Citibank Home Equity and CitiFinancial Servicing. For example:New products such as interest reduction rewards for paying on-timeMore transparent insurance sales practicesMore controls around mortgage brokers and vendorsManaged and measured lending initiatives to ensure compliance and satisfactory audits from regulatory agencies, resulting in continued approvals for mergers and acquisitionsAs liaison between legal/compliance and the business, ensured branches were able to comply operationally with new legal/compliance and regulatory mandatesManaged and coordinated regulatory reviews including FTC and Federal Reserve Boards. Coordinated interactions with regulatory agencies including Federal Reserve Boards, NYS Banking Department, OCC, FDIC, and state regulatory agenciesManaged and implemented regulatory corrective actions, including mortgage consent orders issued by the FRB, as well as any deficiencies noted in any regulatory exam -- such as overcharges, unfair policies to consumers, inaccurate policies/proceduresOversaw compliance aspects of Citigroup and CitiFinancial mergers and acquisitions, including Associates and CitiFinancial merger, Transouth and Arcadia auto mergers as well as Washington Mutual

Built and managed new B2B division to handle all title, appraisal and settlements of any Citi or affiliate real estate loan transaction. Managed staff of 150. Reported to the President/CEOIntegrated Citigroup business entities including Citicorp Mortgage, Citibank Home Equity, Citibank Private Banking Group and Source One Mortgage after company acquisitions, creating one cohesive operation scaled to process over 200,000 title, appraisal and settlement transactions annually.Influenced CEOs and senior management of 5 subsidiaries to direct all Citi real estate business to Chesapeake Developed and implemented company restructuring, centralizing customer service and scaling operations in 32 states for 100% increased business at 10% higher margins. Drove new business initiatives including new products such as automated valuation modelsLed the acquisition and integration of Interra real estate services, increasing the business by 25%

Managed daily operations of 18 consumer finance offices with 100+ employees and $140MM in loan receivables. Responsible for product development, business development, recruitment, training, investment recovery, audit/compliance and underwritingWorked on mergers and acquisitions team resulting in merger of Source One, and acquisition of assets from Bank OneCo-developed company-wide training programs that improved sales and productivity throughout the branch networkDesigned, implemented and managed new $32MM home equity center as a pilot program that was later used as model to open 32 home equity centers across the country -- now known as CitiFinancial Servicing

Managed $10MM consumer finance branch with 5 employees generating $1MM annual profits. Responsible for business development, investment recovery, underwriting, audit and compliance