PENSCO Trust Management

Vice President, Chief Financial Officer of PENSCO Trust Company, 2002 to Current
Corporate Controller of PENSCO, Inc., 2001 to 2002
Financial Analyst, RCM Capital Management, 2000
Various management positions in Bank of America's Finance Group, 1986 to 1999
Ernst & Young, LLP, 1981 to 1985
Graduated with B.S. in Business Economics from the University of California Santa Barbara
Certified Public Accountant

Vice President & Managing Director, PENSCO Institutional Services and Business Development, 2009 to Current
Senior Vice President, Bank of America Global Treasury Services, managing 11 Institutional service centers, 2004 to 2008
Senior Vice President, Schwab Institutional Services managing all functions of the Stock Plan business, 2000 to 2004
Senior Vice President, Bank of America Capital Markets Project Management and Technology Systems, 1995 to 2000
Senior Vice President & COO, BA Investment Services, a retail broker, 1994 to 1995
Vice President, Bank of America Global Capital Markets, manager of all large-scale projects globally, 1987 to 1993
Vice President, Bank of America Institutional Trust Operations Manager, 1981 to 1987
Graduated with B.S. in Organizational Behavior, University of San Francisco

Manager, Business Development and Client Service Centers, 2008 to current
Director of Client Services, Fidelity Investments, 2006 to 2008
Manager of Project and Business Analysts, Fidelity Investments, 2005 to 2006
International Development Unit/Manager, Fidelity Investments, Canada, 2001 to 2005
Senior Stock and Option Trader, Fidelity Investments, 1999 to 2001
Graduated with a M.B.A. from Saint Michael’s College, Winooski, VT 1999

Marketing Manager, PENSCO Trust Company, 2007 to Current
Senior Marketing Manager, PENSCO Trust Company, 2004 to 2007
Sales Manager, PENSCO Trust Company, 2002 to 2004
Accounts Receivable Manager, PENSCO Trust Company, 2001 to 2002
Client Services, PENSCO Trust Company, 1999 to 2001
Graduated Phi Beta Kappa from UC Davis with a B.A. in German Literature, translation emphasis

Vice President, Real Estate Investments of PENSCO Trust Company, 2004 to Current
Various management positions in all phases of real estate and lending operations since 1984
Credit Underwriting Manager, First Republic Bank
Senior Credit Officer, CALFED (California Federal Bank)
Assistant Vice President, Credit Team Leader, Far East National Bank
Senior Regional Underwriter at MGIC (Mortgage Guaranty Insurance Corporation)
A member of APMW (Association of Professional Mortgage Women)
Graduated with M.B.A. from Golden Gate University
Graduated with B.S. from San Francisco State University

Vice President Private Placements of PENSCO Trust Company, 2007 to Current
Assistant Vice President Private Placements of PENSCO Trust, 2003 to 2007
OJS Branch Operations Manager at Raymond James, DBA Client Preservation, 2000 to 2001
Pension Consultant, JND Pension Consultants and Actuaries, 1990 to 1991
Chief Operations Officer, Wesco Securities, Inc. and Nationwide Funding, Inc., 1982 to 1989
B.A. in English, San Francisco State University

Vice President, Operations Manager of PENSCO Trust Company, 2006 to Current
President, Extent Consulting Inc., 2004 to 2006
Director of Commercial Credit Operations, Fremont Bank, 2003 to 2004
Senior Vice President, Bank of America, 1997 to 2003
Vice President, Bank of America, 1992 to 1997
Graduated with a Masters in Business Administration from the University of Southern California
Graduated with a B.A. in Communication from California State University at Los Angeles

Vice President, Information Technology of PENSCO Trust Company, 2006 to present
Vice President, Operations Manager of PENSCO Trust Company, 2004 to 2006
Manager, IT Projects, Gateway Bank, 2003 to 2004
First Vice President, Bay View Bank, Department Manager, Deposit Operations and IT Projects, 1997 to 2003
Vice President, Union Bank of California, Department Manager, IT Projects, 1990 to 1997
Various management positions at Union Bank of California, 1980 to 1990
Graduate Studies at Chapman College, San Diego, CA
Graduated with B.A. in Management and Economics from Sonoma State University