Finance, Insurance, Real Estate and Law Department (FIREL).Instructor 4770/5770 Real Estate Law and Contract – Study of the legal principles governing real estate transactions with an emphasis on promulgated contracts. Topics include contract law, estate in land, types of ownership, deeds, mortgages, title insurance, agency and homestead. Instructor Real Estate 4200 - Property Management Law - Examination of the process and methods of managing real property assets. Topics include property leasing, marketing, maintenance, personal supervision, value analysis, taxation, and cash-flow analysis. Instructor Business Law 3430 - Legal and Ethical Environment of Business - Historical, economic, political, and ethical bases of contracts and sales, including the Uniform Commercial Code, and the impact of regulatory agencies on business enterprise. Instructor Real Estate 2100 - Principles of Real Estate - Survey of real estate principles, including real estate market, financial, investment and legal analysis. Home ownership and real estate investment for personal benefit are emphasized.

LEAF Commercial Capital, Inc., a subsidiary of M&T Bank Corporation (People's United Bank, N.A. prior to acquisition by M&T)Provide legal support for financial transactions and related matters in connection with commercial and municipal equipment lease and finance with a focus on technology equipment and software, office furniture and fixtures, and healthcare. Responsible for counseling company on legal matters regarding its operations, including structuring and documenting customer transactions, negotiating program agreements with vendors and manufacturers, and developing new lease and financing products. Work with cross functional teams, such as Credit, Asset Management, Pricing, Sales, and Operations to achieve business objectives.

Retired - Member M&T Legal Department supporting LEAF Commercial Capital, Inc.Effective April 1, 2022, M&T Bank Corporation acquired People's United Bank, N.A.

- Significant experience in the commercial, consumer, public finance, technology and healthcare industries. - Led complex internal and government investigations related to fraud, waste, abuse, and other compliance-related matters; development and management of compliance initiatives and programs.- Procurement and services agreements, commercial equipment finance and leasing, corporate litigation to include managing relationships with 75+ law firms, public sector procurement to include finance and leasing, federal claims and appeals litigation (Contract Disputes Act), collection law, and creditors’ rights in bankruptcy.- Frequent industry speaker concerning investigations, compliance, collections litigation, services agreements, administrative regulations, municipal finance, federal procurement and finance, and commercial finance.Notable Achievements:* 2014 YMCA Sam Winstead Volunteer of the Year, YMCA of Metropolitan Dallas* Equipment Leasing and Finance Association (ELFA), Legal Forum Committee (2013 -2017)* Reported Decision: XEROX CORP. v. GRAPHIC MANAGEMENT SERVICES INC., 959 F.Supp.2d 311 (W.D.N.Y. 2013)* Published Article: "Thinking Outside the Box: An Equipment Manufacturer CAN enter into a Finance Lease and Create a 'Hell or High Water' Lease Obligation", Michael Gallo and Tony Sears, January / Feb. 2015

• Supported various areas of GE Capital with primary responsibility to Xerox Capital Services (XCS), a previous joint venture between Xerox and GE Capital. Responsibilities included working with cross-functional management teams providing subject matter expertise in the areas of corporate finance, commercial leasing and public sector contracting. • Worked with management to transition business from XCS to Xerox and later joined Xerox in a continuing capacity.

Managed business group with responsibility of sales, documentation, risk, portfolio management, product development, and capital markets (securitization and monetization).

Structured commercial lease and loan transactions; client development; originations; administration; credit underwriting; marketing.

Structured municipal leases, 501(c)(3) leases, and industrial development bond transactions; client development; originations; administration; credit underwriting; marketing.

Associate attorney responsible for various real estate transactions, title abstracting, municipal bonds, 501(c)(3) bonds, qualified private activity small issue bonds (IDBs), municipal leases, construction litigation, and trusts and estates. Law Clerk prior to 1992. Paralegal experience with Kizer, Hood and Morgan during college and grad school.

Commercial real estate brokerage and property management.