EVP & Chief Operating OfficerI provide strategic vision & direction for our organization which is designed to deliver a member centric approach to relationship banking. Having oversight for the operating and revenue functions of PrimeWay, I have been able to implement key initiatives leading to record direct lending growth and ROA. I also have the honor of working with a talented executive team which places collaboration as their priority allowing us to advance our vision quickly.Overview of accomplishments: • Moved all associates to a Universal Banker model – relationship focused. • Developed and implemented new loan & deposit products.• Successfully built a fully integrated commercial services department.• Opened New Retail Locations.• Increased assets by 65%.• Increased loan portfolio by 38%. • Increased ROA year one by 45 basis point, Increased year two by 56 basis point, year three during the pandemic, we remained flat despite removing all fees, 2021 increased by 70 basis points, and 2022 ended at 1.01 bps.• Increased 5-Star Member satisfaction to 89% 2018, 90% 2019, 90% 2020, 89% 2021 90%, 2022 91%. 2020,2021,2022 recognized as “Best Place to Work” in Houston by employee feedback surveys.• Established a vision to be the premier Financial provider to the Houston Medical Industry. Focused on serving employee through our new brand: PRIMEWAY HEALTHCARE FOR HEROES CREDIT UNION

Established in 1998 under the Brand of CU Alliance, and rebranded to Focus One in 2024, is an organization that plays a vital role in supporting and growing Credit Unions throughout the country. Focus One has an Auto Lending Division, Real Estate Origination & Servicing Division, Marketing Division, and an Insurance Services Division. Through Innovation and Expertise Focus One is helping Credit Unions efficiently serve their members each day.

July 2022 I was elected Board Chair for CU Alliance which is a Credit Union Service Organization which is owned by several credit unions with the mission of providing low cost lending and product solutions to CU's across all 50 states. CU Alliance processes over $4 billion on loans annually. Prior to this I was Board Chair for the affiliate, "Member Home Loan", which is a loan origination company established in 2005 currently licensed in 5 states.

Health & Wellness Consulting, Staged Plan Preparation, Physical Training, Lifestyle Enhancement. Currently operate in Warren & Montgomery county with a team of experts having over a half decade of combined experience. Start up that has grown from 1 client to serving over 100 today in our local markets. Site:https://www.facebook.com/limitlessphysiquetraining/Email: limitlessphysique1@gmail.com

Recruited to enhance the Retail Banking for a growth oriented commercial Bank which includes a network of branches (50) from Northern Illinois spanning throughout the state including metro St Louis and Denver Colorado.Delivered a vision of success transforming the operating model to one of Universal Bankers building relationships and providing a BEST IN CLASS service experience. Note: The primary goal for our Retail Branch network is to Build Relationships with every customer and every Community Business & Organization. Understanding and Meeting needs is the mission of our employees!Specific Accomplishments:*Improved Consumer DDA account growth by 180% YOY *Rallied deposits across Retail and Commercial resulting in $314 Million of balance growth*Increased Retail consumer branch lending by 208% YOY (Auto & Real Estate focus)*Maintained a margin return 4+% and overall past dues .92%*Implemented Retail Business Banking utilizing Branch Managers/Partnered with RMs*Migrated workforce from a Teller platform to Universal Banker Model*Streamlined Underwriting providing customers same day service on consumer products and 48hr decisions on business loans*Created a performance based Incentive Plan to support Service & Revenue goals*Increased conventional mortgage lending through sales team and branch by 20%*Worked with multiple departments to create: Target marketing, Detailed reporting, Training, Back-end operating SOPs, and Product Development*Developed and implemented a “Build the Relationship” sales model that focused on customer needs and matching it up with a product or service to enhance customer loyalty*Enhanced Call Center effectiveness through cross training associates*Exceeded 10% YOY organic growth in revenue (No acquisition assets included)*Successfully integrated through a merger a St Louis bank with over $1 billion in assets. Blended cultures, trained merged employees, and delivered exceptional results in less than 6 months.

South East Division Community Banking – SVP Consumer & Business Banking (Managed Consumer Retail and Small Business Banking, 262 Branch locations 2011-2014)Responsible for the operating performance of Consumer and Small Business for the South East Division which included 8 Regions,27 Districts and 262 branch offices & 2200 employees. Primarily focus to Increase Consumer & Business Banking results throughout the Division through creation and rollout of Sales strategies, Underwriting support and target coaching to all levels of management. Evaluate and train Regional Presidents, District Managers, BBO’s and Small Business Specialists in order to improve the overall retail operating results for the Division. Specific Accomplishments*Improved Rank of the South East Division in achieving #2 overall rank in business lending. #1 in Retail Consumer Lending*Installed higher performance standards, coaching, and accountability*Created daily performance reporting along with monthly P&L comparison dashboards to more efficiently manage operating results*Developed Small business banking sales, portfolio, and underwriting process for 5 state Division which was adopted by all of Community Banking*Division lead all of US Bank with customer satisfaction scoresUS Bank – SVP Commercial Banking(Managed Commercial Banking sales CRE & C&I focus, 9 Commercial Teams, 2009-2011)Retained by US Bank as a Senior Executive to lead sales improvement and initiatives across a 5 state Division, 9 commercial units, 85+ relationship managers, with over $20 Billion in assets. Omega Credit Certified, with extensive training to be an effective sales and relationship leader.

Partnered with experienced mortgage broker and opened Allied Mortgage. Operation consisted of Mortgage Loan Originators, Originating Sales Manager, Processor, and funding through parent company in Philadelphia. Managed business for a period of time using remote technology until late 2010 when I made the decision to focus only on US BANK role.

Direct P&L, sales, underwriting and operations for all branches in Dayton and Columbus markets and all of central Ohio, with $946MM in assets. Developed strategies to optimize profitability and new account growth across consumer real estate products, automotive loans, personal finance solutions, credit cards, and ancillary products with a focus on meeting the needs of our customers. Manage risk, assets, accounting, and revenue. Oversee HR, including performance assessments, training, and hiring. Ensure effectiveness of staff development / training programs and resolution of employee performance issues. Cultivate strong relationships with internal stakeholders while delivering a primary focus on helping people enhance their financial future.

Managed P&L, underwriting, operations, and sales for a territory with 13 branch locations, $675MM in assets under management. Executed customer & employee centric strategies to enhance revenues, increase customer accounts, and sale of consumer real estate / auto products, credit cards / insurance, and additional value add products. Provided coaching & motivation in order to help employees achieve goals. Directed the risk management, accounting, asset management, and HR functions.

Directed district operations, 10 branch offices, and 60+ team members. Spearheaded the creation and implementation of strategies to improve P&L and processes across the organization. Oversaw sales, underwriting and service for multiple finance products. Ensured alignment with corporate policies and resolution of staff / operational issues in coordination with team. Significantly increased the results of a struggling team by engaging through effective operating plans and innovative sales processes.

Directed division insurance sales for network of 98 branches across two states. Developed and implemented strategies to increase effectiveness and productivity of Branch Managers and Sales Associates. Lead Division and District training workshops. Traveled to branches and completed sales visits focused on demonstrating, training, and coaching all branch employees. Remote managed all division branches to ensure sustained results.