EXPERIENCE

• We have a track record of providing high quality service since 1989.

• We have competent, "hands-on," experienced individuals who have had careers in banking - each with at least 15 years of experience. We are members of the Institute of Internal Auditors (IIA), Certified Financial Services Auditors (CSFA), Regulatory Compliance Risk Managers specializing in Compliance Operations and Operational Controls and Audit, Mortgage Compliance Specialists, Certified Risk Professionals (CRP), Certified Business Managers (CBM), Controllers/Auditors, Certified Public Accountants (CPA), CRA Managers, a former bank president and CCO and senior bank officers who have extensive Lending, Operations and Mortgage experience.

• Our examination reports, examination ratings, Executive Summary of our reports, checklists and questionnaires identify risk rankings. Not only do our review procedures comply with all regulatory agency risk-based examinations, but our procedures are in compliance with the Institute of Internal Auditors Standards (IIAS).

• We have many years of practical experience working with all of the regulatory agencies, including DFI, FDIC, OTS, OCC, FRB, and NCUA.

• We are good service managers - we combine the necessary skills and services to keep our clients informed and up-to-date on current laws, rules and regulations concerning Bank Operations and Loans, and the regulators' approach to these areas of review.

• We do not "boilerplate" projects - every project is tailored to the specific and unique needs of each examination.

• We can understand the client's context in which examinations must be performed and we can accommodate problems and needs as they arise.

• We are proud of the high quality and practicality of our work, which is facilitated by monthly training in loan and operations compliance, including safety and soundness procedures.

• Currently, our client base runs in asset size from de novo institutions to institutions as large $326 billion with branches/departments nationwide.

We are very flexible and can provide whatever level of assistance that would be best for your institution's ratings and you. We believe that our examinations should be as compatible as possible with the goals of your institution to help you achieve the growth and ratings that you have projected.