JRB ASSOCIATES 9732 Pyramid Lake Road #421 Spanish Springs, NV 89436		JRB ASSOCIATES Phone (775) 626-3370 FAX (775) 626-3371 Toll Free (866) 440-2689
Litigation Support ~ Expert Witness ~ Banking

Curriculum Vitae

Professional Career:

11/89 to Present		JRB ASSOCIATES Newhall, California
Litigation support and financial industry consulting for law firms, banks, insurance and bonding companies. Specialty areas and cases handled included Lender Liability, Board of Directors, Code of Conduct, Branch Administration, Credit Policy, Loan Review and Analysis, Conflict of Interest, Insider Transactions, Personnel, and Operations Policy and Procedures.
1/92 TO 12/92		UNITED CITIZENS NATIONAL BANK Los Angeles, California PRESIDENT AND CEO
Approved by the Comptoller of the Currency, for a temporary assignment to manage this community bank located in the Korea Town section of Los Angeles. Major areas of emphasis were credit quality and risk assessment, law violations and compliance, policy and procedure development, Community Reinvestment Act compliance, Board of Directors education and improved regulatory relations.
8/85 TO 10/89		PACIFIC INLAND BANK Anaheim, California PRESIDENT AND CEO
Served on both the Bank and Bancorp Boards of Directors (NASDAQ listed). Bancorp activities included a Registered Investment Advisor and a Venture Capitol Corporation. Bank operated the only independent Bank Trust department in Orange County. Assisted in the  start-up of PIB Mortgage Company, a wholesale mortgage banking firm that originated and serviced residential first mortgages in northern and southern California.
3/83 TO 5/85		COAST SAVINGS AND LOAN Los Angeles, California SENIOR VICE PRESIDENT COMMERCIAL BUSINESS DIVISION
Initiated the commercial banking function for this $6.5 billion savings and loan. Also acted as Interim Head of the Commercial Real Estate Division and negotiated the $10 million purchase of a commercial finance company. Member of Asset-Liability, Executive Loan and Thrift Savings committees. Served as Vice Chairman and Director of CoastFed Business Credit Corporation.
6/59 TO 3/83		SECURITY PACIFIC BANK Los Angeles, California
1977 - 1983		SENIOR VICE PRESIDENT AND DIVISION ADMINISTRATOR
Managed all functions of the Mid-Cities Division, consisting of 5 Regions and 128 banking offices. Accountable for $4 billion in deposits, $2.3 billion in loans, and 2,150 staff in the greater Los Angeles area. Member, Personnel Policy Committee. Loan Authority: $5 million.
1976 - 1977		SENIOR VICE PRESIDENT AND ADMINISTRATOR, CREDIT SERVICES DEPARTMENT
Senior Credit Officer for the California Banking Office System. Accountable bank-wide for Credit Review, Credit Information and Services and Credit Training. Served as Vice Chairman of the Banking Office, Corporate Banking, Agricultural Loan and the Senior Loan committees. Loan Authority: $10 million.
1974 - 1976		SENIOR VICE PRESIDENT AND MANAGER, PUBLIC AFFAIRS DEPARTMENT
Managed operations of the Government Relations, Community Relations, Public Affairs, Press Relations and Corporate Contribution Departments. Included was lobbying, public speaking and Congressional Testimony as well as accountability for the weekly house organ and the Corporation's quarterly and annual reports to Stockholders.
1959 - 1974		Various
Numerous Branch and Administrative positions

Education:

	1955 - 1959	CLAREMONT MCKENNA COLLEGE Claremont, California BA Degree: Business/Economics
	1970 - 1973	UNIVERSITY OF WASHINGTON Seattle, Washington Graduate, Pacific Coast Banking School
	1978	UNIVERSITY OF SOUTHERN CALIFORNIA Graduate, Managerial Policy Institute

Professional Affiliations: (current and former)

	Board Certified Forensic Examiner and Fellow, American College of Forensic Examiners.
	Robert Morris Associates, So. California Chapter (Chapter President, 1988/1989)
	Instructor, Notre Dame University (ABA Banking School)
	Claremont McKenna College, President's Advisory Council (former Trustee and Alumni Association President)