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WILLIAM SIMMS5333 Leather Saddle LaneTel: 352-797-4850Brooksville, FL 34609

wsimms3@tampabay.rr.com

SENIOR COMMERCIAL LENDER & LOAN WORKOUT OFFICER

Value Offered: Twenty-five year background in C&I and commercial real estate construction lending, credit risk analysis, impaired loan portfolio management, delinquency loss forecasting, loan workout resolutions and collecti0ns

* Skilled at leveraging a banks core strengths and resources to meet defined objectives

* Utilized proven business development and communication skills to expand marketshare, negotiate acceptable loan modifications, secure additional collateral and maximize collections without the unnecessary expense associated with litigation

* Initiated PAR (problem asset report) revisions and created impaired loan executive summaries for senior management so they would be able to follow the collection process, legal strategy and risk rating applied to each past due account

* Industry leader and subject matter expert-Invited guest speaker at RE Symposiums in Atlanta to discus the "State of the Capital Markets"

Selected achievements include:* Originated and closed commercial real estate loans totaling $345 million and C&I loans totaling $42million during tenure at SunTrust Bank, Capital City Bank,and AIB Capital Management* Managed a $48 million impaired loan portfolio at Wells Fargo, a $75 million commercial real estate portfolio at SunTrust Bank and a $168 OREO portfolio at Colonial Bank* Recommended ways to reposition failing commercial real estate properties in Tampa and Atlanta

AREAS OF EXPERTISE

1. Multimillion-Dollar Revenue Growth2. Executive Leadership3. Impaired Loan Portfolio Management4. Client Retention / Loyalty5. Legal Review & Assessment6. Contract Negotiations7. New Business Development8. Commercial Loan Underwriting9. Regulatory Compliance10. Commercial Real Estate Valuations

11. Third Party Report Assessment12. Market Intelligence

EDUCATION:Bachelor of Science Degree, Business & Management * University of MarylandBanking & Impaired Loan Collection Laws * Wells Fargo, Tampa, FLBanking & Compliance Laws * Capital City Bank, Tallahassee, FLRE Valuation Principles * University of N Carolina, Chapel Hill, NCC&I Underwriting Principles * Pearce, Mayer & Greer, New York, NY

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CAREER PROGRESSION

WACHOVIA BANK | Tampa, FL | 2010 to PresentWachovia is a diversified, wholly owned financial services subsidiary of Wells Fargo

Portfolio Strategist / Credit Management Group / Loan Workouts

ACHIEVMENTS:* Recovered $5.6 million from an assigned impaired loan portfolio of $48 millionwithin the first nine months of tenure* Initiated foreclosure proceedings through outside counsel against all uncooperative borrowers

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Achievements: Continued* Listed, negotiated and sold two office condominiums for $720,000 from OREO holdings* Managed a loan portfolio of from 30 to 40 impaired relationships. Worked closely with outside counsel to draft demand letters, propose loan modifications andpursue the liquidation of collateral* Prioritized a weekly work schedule by the size and complexity of each delinquent loan

AIB CAPITAL MANAGEMENT | 2005 to 2010 | Spring Hill, FLAIB is a privately held commercial mortgage banking firm that placed long term fixed rate loans

Managing Director / Principal / Consultant

ACHIEVEMENTS:

* Placed fixed rate permanent loans with institutional investors totaling $84 million. Won and placed C&I loans totaling $26 million with commercial banks* Expanded market share, consultant on loan workouts and presented OREO to private investors at Fifth Third Bank, Community Bank of Florida and Colonial Bank

CAPITAL CITY BANK GROUP, INC. | Tallahassee, FL | 2003 to 2005CCB is one of the largest community banks in Florida with $2.7 billion in assets.

Senior Vice President / Commercial Lender

ACHIEVEMENTS:

* Added approximately $54 million to the loan portfolio during tenure; New deposits averaged from $860,000 to $1.2 million annually* Placed fixed rate permanent loans in the secondary market to generate additional fee income when The banks short-term permanent loans were declined

* Identified key business and real estate lending opportunities through research. Accountable for new business development, loan presentations, quarterly deposit growth and cross-selling all other financial services

DATA POINT FINANCIAL | Roswell, GA | 1996 to 2003Data Point was a privately held commercial mortgage banking firm later sold to private investors.

Managing Director / Principal

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ACHIEVEMENTS:

* Closed permanent loans totaling $140 million. Won C&I loans totaling $14 million* Co-managed a $48 million loan portfolio* Supervised all commercial loan presentations underwritten to Life Company CMBSstandards* Mentored four commercial lenders in new business development, market research,income & expense analysis and key concerns to address when reviewing all thirdparty reports

Early Career History

First Vice President - Horizon Mortgage Company - 1994 to 1996* Introduced the senior management team to new sources of long term capital* Placed on average $30 million annually in long term fixed rate permanent loansVice President, Income Property Group - SunTrust Bank - 1985 to 1992* Closed $96 million and co-managed $168 million in loan transactions* Managed a $75 million commercial loan portfolio* Called on to address and resolve loan modifications, fraud and legal issues byinstitutional investors