Gary I.

Frank
Plantation, FL 33322

GaryFrank1113@Gmail.com
http://www.linkedin.com/in/gifrank
M 310-650-3341

An effective leader who works with multiple stakeholders that draws on a broad base of experience and
works in conjunction with company resources, executives, various contractors, and external consultants
to produce agreed corporate goals in an effective and timely manner.

AREAS OF EXPERTISE
| Mortgage Portfolio Asset Management |
| Hedging | Trading MBS |
| Business Operational Risk |
| Compliance | Audit Control |
| Communication |
| Databases |

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Project Management |
Oversight | Compliance |
IT Design | Integration of |
Analysis | design |
Business Applications Design|
Profitability |

Providing extensive experience managing change in fast moving financial | economic | and | business
environments |. Establishing and or developing new policies, with respect to Capital markets| Mortgage
Portfolios Assets | and |Business operational risk management| procedures | regulatory | and |
compliance areas, as well as creating sound profitable solutions. Then leading teams that implemented
them in the respective projects areas. Frequently creating original proprietary software and the
respective flexible databases that allowed for the timely integration of Business and IT systems. These
results provided profits, state of the art financial output reporting in a timely and reliable way to
the companies senior management teams | Board of Directors as well as other stakeholders. |FDIC | OIG
| INVESTORS | GOVERNMENT agencies | FHLMC | FNMA | GNMA | HUD |auditors.

ACCOMPLISHMENTS
| FDIC | we created strong relationships with senior executives at commercial banks to coordinate and
execute the Purchase and Assumption Agreements (PAs) between the |Assuming Institutions |AIs| and the
FDIC. These relationships helped the FDICs East Coast Temporary Service Office (ECTSO) provide
stability and liquidity on billions of dollars of classified assets during the financial crisis in 2008
thru 2014.

As a | Consultant | Phase 1 | Created many feasibility projects to review and or evaluate Banks
and Mortgage Companies, Secondary Marketing departments and Computer Data support groups. The studies
needed to accurately evaluate the Profitability | Capital Market Interest rate risk | business
operational risk | personnel | legal issues | oversight| compliance and effectiveness of these areas.
These studies were reviewed by Board of Directors and approved.
Phase 2 | Was to create a realistic execution plan to implement these agreed upon results in an on
time and on budget way.
Phase 3 | Was to successfully implement Phase 2. The results provide these companies with an ability
to create billions of dollars of Mortgage Backed Securities | MBS | for profitable sale while managing
asset value | Principal risk | and maintaining the |original asset value|.

I used these same phases if I worked as an employee at a company to create success there also.
I have also been a very successful mortgage banking hedging portfolio manager and
MBS trader | Portfolio Risk Arbitrage | for 15 plus years.
UC Berkeley Graduate School of Business and Finance: Lecturer as Subject Matter
Expert |SME|| MBS Hedging | Trading | Risk management | using NY cash markets | Options on Treasury
Bond Futures | Mortgage Banking common practice.

Expert witness: Testified in US Federal Tax Court Washington DC: Subject matter
Expert SME for the Government same areas as sited above.
Professional Work
Frank and Associates Fort Lauderdale, FL.| Internationally | USA | California
April 2014 to date
President | Founder | Working concurrently as| Senior Managing Director | at Europartners Company
Ltd. | Israel | Investment Banking | Merger | acquisition | review and analysis for | equity capital
investments | on a number of international projects. Financial consulting in | Mortgage Banking |
activity.

Federal Deposit Insurance Corporation |FDIC| Jacksonville, FL.

2009-2014
Senior Capital Market Specialist | Risk Share Asset Management Specialist | RSAM |
Administered the |Purchase and Assumption Agreements | for the business terms and conditions with two
Assuming Institutions and 4 failed institutions valued at approximately $2.3 billion. We audited and
suggested revisions, as needed to accurately | record | report | Quarterly Risk Share Asset Management
|RSAM| Certificates |CERTS|. I reviewed and evaluated | credit | financial analysis | on large charge
offs | reimbursable expenses | pay vouchers | approving or denying hundreds of millions of these items
for each quarterly CERT. This was allowed in the (PAs). In addition I coordinated and executed with a
team, the | FDIC | requested| Annual Loss Mitigation Reviews | and |Compliance reviews| per the (PA).

Frank & Associates Laguna Hills, CA.

2000-2008
President | Founder Founded and managed a successful photography business throughout the United
States that specialized in | corporate events | high-end weddings| body building | figure | fitness |
red carpet photography | including covering the | Grammys | Emmys | Golden Globes | Academy Awards.

Pacific Republic Mortgage

Senior Loan Officer

Anaheim,

CA.

2000-2002

American City Mortgage Company (ACMC) Carson, CA.

1990-2000
Executive Vice President Corporate Risk Management Worked directly with the | President |
Chairman | CFO |in managing the daily operations to make recommendations to grow a small mortgage
broker into a Mid-size CA |SFR| Mortgage Banker. These recommendations provided for | sustainable
growth | profitability | future business risk management. Directly responsible for all Secondary
Marketing | Capital markets | activity with responsibilities for | selling $1 to $2 billion in loan
servicing released | per year in addition to | MBS sales hedging activity | in excess of $1 to $4
billion dollars per year.

Frank and Associates Corona Del Mar, CA

1989-1990
President | Founder SFR | Mortgage Banking | Institutional Financial consulting | with emphasis in
| Mortgage Portfolio Asset Management | Secondary Marketing | Risk Management | Hedging | Trading |
Administration | Operations | Financial application Software Author | Application Analyst| multiuser
Databases | Compliance |.

Security Pacific National Bank (SPNB) Cypress, CA.

1988
Vice President Mortgage Asset Portfolio Management | Single Family Residences | coordinating IT
Systems | Mark to Market for Banks entire Mortgage Portfolio |.

Unified Mortgage Company (UMC) Cupertino, CA. a wholly owned subsidiary of

1984-1987
Gibraltar Savings and Loan Houston, TX Senior Vice President Created the MBS secondary
marketing department from a start up to a nationally recognized successful state of the art hedging
and selling operation that traded Billions of dollars of security transactions per year. I used
Options on T-Bond Futures to increase profits and assist in stabilizing the asset value. I worked with
the founders of Unified in the development of a start up | data processing support Service Bureau
Company |. UMC was a |JV Partner| of this company to Service other clients after its formation. We
developed and managed this company selecting | hardware | software | personnel that supported the
|Loan In Process |LIP | state-of-the-art secondary marketing systems in| real-time mark to market |for
loan inventory| security commitment| processing |inventory control| information reporting

Transamerica Mortgage Company (TAMCO) San Francisco, CA.

1980-1983
Vice President Responsible for secondary marketing area. Selected to create one of the first |
wholesale buying operations | of | FHA | VA | loans | in the western US. The | wholesale operations
originations | matched and then exceeded the | retail business | within one year. This reduced fixed
cost for TAMCO while significantly increasing over all | margins | profitability.

Lehman Government Securities on | GNMA MAE Trading Desk | NY, New York
Associate

1979

EDUCATION: B.S.B.A Majors in | Finance | Marketing University of Denver, Denver, CO

MAI Appraisal | Course work 1A-1B completed.
Life and Health Insurance License: | Florida | New York | All formerly held |
Real Estate Brokers License | New York | New Jersey | RE Sales License | CA | All formerly held
Gary I. Frank
Plantation FL 33322
http://www.linkedin.com/in/gifrank

M 310-650-3341
GaryFrank1113@Gmail.com