PRIMARY PERSONNEL

Robert L. Markland, Certified Financial Services Auditor (CFSA), Certified Risk Professional (CRP) and Certified Business Manager (CBM) is the President and Chief Executive Officer of The Markland Group, Inc. and has approximately 28 years experience in the banking industry as an examiner, consultant and practitioner. He is thoroughly familiar with and has extensive hands-on experience in all aspects of regulatory, internal control, EDP, operational, and loan examination requirements for national, state (member and non-member) banks, savings and loans, and thrift chartered institutions.

His prior experience includes line responsibilities for Crocker National Bank and Century Bank, where he was responsible for the selection, evaluation, and finalization of examinations of the branch system. He also served as Vice-President/Chief Accountant for a national association bank. As a private consultant, Mr. Markland has been responsible for the design and implementation, and provided assistance for a variety of internal control, training, evaluation, review, development, and examination systems for all aspects of banking, including policies and procedures manuals. He is well known to numerous examiners from several regulatory agencies for his assistance to institutions in maintaining high "CAMELS" ratings and for assisting institutions with lower ratings to achieve their potential. Mr. Markland is a participating speaker for the California Bankers Association on the subject of regulatory compliance.

Mr. Markland was educated in California and Tennessee where he earned degrees in Accounting, Business Administration, and History. He has been the principal of the Markland Group since 1989.

Julie Gallagher has approximately 15 years in the financial services industry having held positions in Branch Operations to Branch Manager (Operations and Loans). Coupled with her operations and loan background, Ms. Gallagher has served as a Controller with one of the "Big Five" accounting firms.

Ms. Gallagher held responsibility for the day-to-day operations function and was eventually responsible for the internal audit function of a large community bank. As Branch Manager, Ms. Gallagher was responsible for managing the daily operations of the Consumer Loan Processing, Cash Management, Customer Service, and Regulatory Compliance functions. As Controller, Ms. Gallagher was responsible for monthly and annual financial statements, annual audit, tax preparation and compliance, annual budget and analysis of accounting procedures to comply to GAAP standards. She has also served as Benefits Coordinator where she was responsible for budgets, tax reporting, payroll and vendor analysis for a Sacramento law firm.

She holds a BS degree from California State University Sacramento with emphasis in Finance.