Trilion Capital Corp. is a Southern California based private money real estate lender and investment fund manager. That lends throughout all of Southern California. The company operates as a hard money lender focused on financing for residential fix and flip development, urban redevelopment, and bridge loans for smaller commercial properties in transition. Trilion Capital has earned a reputation among its borrowers for being a fast and reliable source of capital, and among its investors for consistently producing above market returns.Michael is responsible primarily for originating loans in Los Angeles, Orange County and the Inland Empire regions of Southern California.

Part of the team that successfully launched the Southern California residential construction lending group in mid 2014 for Seattle based HomeStreet Bank. Responsible for underwriting residential subdivision and condominium construction loans.

Responsible for managing a six person underwriting team for a nationwide residential homebuilding lending platform lending $300mm to $500mm annually.

Responsible for underwriting new construction loans for single-family and multi-family “for-sale” subdivisions in California and the Pacific Northwest. ________________________________________________________________________________Achievements:________________________________________________________________________________> Performed preliminary due diligence on $756MM (64 loans) in 2013.> Underwrote and obtained approval for $202MM (23 loans) in 2013.

Responsible for the workout and disposition of assets of non-performing loans and investments including the sale of REO and OREO properties in AZ, MI, IL, OH, TX and FL. Asset management responsibilities included managing loan servicing, refinancing, restructuring, short sales, deed-in-lieu, foreclosures and loan modifications for performing and non-performing construction loan portfolios. ________________________________________________________________________________Achievements:________________________________________________________________________________> Responsible for 49 assets with $155MM in unpaid balances and a collateral value of $62MM. The portfolio consisted of 38 non-performing loans, 4 performing loans and 7 REO’s.> Resolved 19 assets for $24MM.> AZ - Negotiated a deed-in-lieu and obtained a $3.8mm stipulated judgment against the guarantor. > MI - Negotiated a note sale and discounted payoff. Net collections were $120,000 more than original underwriting.> MI - Negotiated a discounted payoff of a commercial line of credit. Total net collections were $419,000 versus a projected $21,000 loss.

Reviewed Loss Share claims made by Assuming Institutions (AI's) that acquired failed bank assets and verified the AI's compliance with the terms of their FDIC Loss Share Agreements. These assets included residential loans (conforming single-family, sub-prime, investor-owned and home equity loans), commercial loans (commercial real estate, commercial and industrial, construction and revolving lines of credit), securities, real and personal property and subsidiaries. ________________________________________________________________________________Achievements:________________________________________________________________________________> Participated in nine (9) compliance reviews which resulted in nearly $2,000,000 of monetary findings and disallowed loss share claim recoveries for the FDIC;

Created Strategic Resolution Plans (SRP's) for the liquidation of failed bank assets and was responsible for managing former bank employees and receivership assistance contractors in the resolution and liquidation of those receivership assets post-closing. Responsibilities included managing loan servicing, refinancing, restructuring, short sales, foreclosures and loan modifications for non-performing residential and commercial loan portfolios until those loans could be sold or transferred to a third-party servicer. Worked on a team responsible for creating the model and developing best practices and creating the training materials for writing SRP's in-house and training others to perform this task. This task was previously being performed by Receivership Assistance Contractors at a much higher cost and is now being performed in-house throughout the Division.________________________________________________________________________________Achievements:________________________________________________________________________________> Created Resolution Plans to liquidate $6.6 billion in loans at 14 failed banks valued at $9.8 billion.> Saved the FDIC $2.8 million by eliminating the use of contractors in the Resolution Plan process and received a Mission Achievement Award for the efforts.________________________________________________________________________________Awards:________________________________________________________________________________> FDIC Mission Achievement Award (2010) for participation on a team that created a process which eliminated the use of outside contractors in the Strategic Resolution Plan process. This process is projected to save the FDIC $2.8 million.

Managed single-family residential REO properties for institutions and asset management companies such as Bank of America, Wells Fargo, OneWest Ban (IndyMac), U.S. Bank, Saxon Mortgage, and Old Republic Default Services. Responsibilities included overseeing property rehabilitation and repairs, marketing, listing, selling REO properties and performing valuation analysis (BPO’s) and monthly reporting on assets. ________________________________________________________________________________Achievements:________________________________________________________________________________> Liquidated 42 single-family REO properties valued at $14 million for Bank of America, Wells Fargo and OneWest Bank.> Disposed of REO properties in an average of 23 days.> Performed over 200 Broker’s Price Opinions.> Achieved a 98% success rate for occupant relocations (a.k.a. “Cash for Keys”).> Earned performance ratings of 98% to 100% on a consistent basis from bank asset managers.

Investment & Asset Manager responsible for underwriting new construction loans, mezzanine loans and joint venture partnerships in real estate projects in Southern California, Colorado, Florida, Nevada, Utah and Texas and the subsequent asset management of those projects.Responsible for the workout and disposition of assets of non-performing loans and investments including the sale of REO and OREO properties. Asset management responsibilities included managing loan servicing, refinancing, restructuring, short sales, foreclosures and loan modifications for performing and non-performing construction loan portfolios. Trained and managed a three-person underwriting and asset management team consisting of an analyst and a project administrator.________________________________________________________________________________Achievements:________________________________________________________________________________> Managed a portfolio of 16 residential real estate assets valued at $355 million. > Headed a three-person underwriting and asset management team.> Underwrote 8 investments/loans per year (average) on real estate assets valued at $180 million.> Developed and implemented workout plans for troubled assets preserving $16 million in capital.

VICE PRESIDENT / INVESTMENT MANAGER (2000 to 2005)SENIOR PROJECT ANALYST (1997 to 2000)PROJECT ANALYST (1995 to 1997)Ran a regional loan office for WRI, a real estate lending and private equity subsidiary of The Weyerhaeuser Company. Loan Officer responsible for underwriting new construction loans, mezzanine loans and joint venture partnerships in real estate projects and the subsequent asset management of those assets. Responsible for the workout and disposition of assets of non-performing real estate construction loans including the sale of REO and OREO properties. Asset management responsibilities included managing loan servicing, refinancing, restructuring, short sales, foreclosures and loan modifications for performing and non-performing construction loan portfolios. Trained and managed a four-person underwriting and asset management team consisting of two (2) analysts and a project administrator.________________________________________________________________________________Achievements:________________________________________________________________________________> Doubled the income of a non-performing branch and turned a profit within 12 months.> Managed a portfolio of 25 residential real estate assets valued at $310 million. > Headed a four-person underwriting and asset management team.> Underwrote 10 investments/loans per year (average) on real estate assets valued at $125 million.> Underwrote the largest single investment for the company at that time, $15 million.> Developed and implemented workout plans for troubled assets preserving $45 million in capital.

BUDGET MANAGER / FINANCIAL ANALYST (1993 to 1995)BUDGET ANALYST (1992 to 1993)Responsible for supervising the budget and monthly operating report process for commercial real estate holdings. Performed financial analysis and created cash flow models to value commercial properties. Produced business plans, executive summaries and monthly operating reports for commercial real estate projects. This included creating operating budgets, supporting schedules, cash flow projections, loan analysis, sources and uses of cash, variance explanations and budget narratives. ________________________________________________________________________________Achievements:________________________________________________________________________________> Managed the annual budget and monthly operating report process for a portfolio of 22 commercial office, retail and industrial properties valued at over $600 million. > Reduced the monthly operating report process from 4 to 2 weeks.> Shortened the annual budget process by two 2 months. Promoted from Budget Analyst to Budget Manager / Financial Analyst in one year.> Developed cash flow models and projections used to refinance $80 million of debt.________________________________________________________________________________Awards:________________________________________________________________________________* Employee of the year (1993).