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DAVID MICHAEL ALBERS 11304 Hidden Hollow Court Potomac, MD 20854 904-591-9923 dad27d70@westpost.

net ________________________________________ COO * SENIOR BUSINESS DEVELOPMENT, MARKETING & SALES EXECUTIVE Expert in: Business Development - Sales & Marketing Leadership - Large Scale Org anizational Change Creative and innovative leader, change agent and entrepreneur. Recognized for pl anning and executing large scale cultural change that results in reduced costs a nd sustainable growth in revenue and long-term value. Proven ability to design, plan and execute strategies for international and domestic: start-ups, restruct urings and turnarounds (for closely-held and Fortune 500 companies). Visionary, engaging communicator and mentor known for the ability to produce successful ou tcomes from difficult and varied situations. Broad-based industry and functiona l expertise coupled with a relentless drive to increase revenue through market s hare, manage expenses and improve profitability. Areas of Excellence Include: Business Development Investor, Lender & Public Relations Executive Development Sales Program Development Strategic Partnerships Succession Planning Marketing Campaign Creation Large Scale Project Management Financial & Statistical Analysis Full P&L Responsibility Business Process Reengineering Capital Structure Optimization Vendor & Contract Management Emerging & Advanced Technologies Credit Risk Management ________________________________________ EXECUTIVE HIGHLIGHTS & MILESTONES Business Development / Sales & Marketing Leadership / P&L Responsibility Championed, promoted and executed the restructuring of the business development, sales and marketing departments as Regional Sales & Marketing Director for SunT rusts Mid-Atlantic region expanding the companys dealer base and growing loan pr oduction by over 40% in two years Built Real Mortgage Systems national pipeline of lender acquisition targets thro ugh sound business development techniques facilitating the company raising $11 m illion in seed capital from a private equity firm Designed and executed comprehensive marketing programs including product offerin g, pricing and branding for high-volume consumer finance businesses using direct mail, calling campaigns and sales representatives to grow top-line revenue for SunTrust, Seminole Finance and Keller Financial Services Forged strategic alliances with AmeriCredit, ADT and large automobile dealer gro ups such as Hendricks Automotive and Auto1 creating new revenue sources and impr oving profitability Launched a distressed asset management company, EquityLinc, by landing a $30 mil lion contract with one of the largest banks world-wide

Large Scale Project Management / Change Agent / Emerging & Advanced Technologies Established a 400-agent international call center (direct marketing, customer s ervice and collections) and back-office operation for HSBC in Kuala Lumpur, Mala ysia that serviced businesses in six countries enhancing revenue streams and sav ing corporate in excess of $10 million annually Directed the migration of a 170-agent call center operation from the United Stat es to India resulting in savings of over $3 million annually to HSBC Acted as the senior business development officer in the migration of business un its to Malaysia from Australia, New Zealand, Singapore, Brunei and the U.S. Coordinated multiple system-conversions and new technology implementations for s everal organizations including HSBC, Household International and Keller Financia l Services Corporate Financing / Capital Structure Optimization / Venture Capital Managemen t Raised $11 million in seed capital from a private equity fund to launch a new bu siness Negotiated and secured a $35 million asset-backed revolving line of credit from Wells Fargo Capital Finance to fund real estate investment mortgages Negotiated and secured a $75 million asset-backed revolving line of credit from GE Capital to buy auto finance receivables ________________________________________ LEADERSHIP CAREER HISTORY CEO & PRESIDENT - EquityLinc, LLC - Kansas City, MO: 2008 to Present Launched successful entrepreneurial venture offering specialized multi-faceted l oan and real estate services designed to increase cash flow and mitigate financi al institutions losses while facilitating the flow of foreclosures into the appr opriate buying channels. Created and implemented a unique pre-foreclosure servi cing model to help stem the tide of defaults while streamlining the foreclosure process to reduce costs and improve liquidation turn-time in those cases where r epossession was unavoidable. This dynamic value proposition of loan servicing a gents collaborating before, during and after foreclosure with attorneys, contrac tors and real estate professionals assisted bank clients in demonstrating notewo rthy improvements to regulators between audits. Selected Achievements/Highlights: Landed a contract with a national bank to manage a $30 million portfolio of dist ressed residential loans and properties Presented a proposal aimed at reducing blight at the Kansas City Federal Reserve . Audience included the Fed President, the local Congressmans office and the Ma yors office. Rehabbed, marketed and sold/rented over 130 properties70 within a six month time frame Managed over 200 properties and 200 mortgage loans CHIEF OPERATING OFFICER - Real Mortgage Systems, Inc. - Jacksonville, FL: 2005 - 2008 Envisioned and authored the business plan (including proformas) to acquire small mortgage lenders throughout the U.S. and create a consolidated operation whose competitive advantages were a lower cost of capital through securitization and s treamlined efficiencies gained by deploying cutting-edge proprietary software de

signed specifically for the niche in which we were competing. Canvassed private equity and venture capital firms to create interest in the plan, brought two of fers of funding to the CEO and Board of Directors, negotiated the terms of the s tock sale directing a team of attorneys and closed on an $11 million funding com mitment from a private equity firm. Built a nationwide pipeline of acquisition targets, proposed and negotiated purchase terms and orchestrated closings. Secu red a $35 million line of credit to commence operations. Selected Achievements/Highlights: Raised initial seed capital of $11 million from a private equity fund Negotiated and secured a $35 million asset-backed revolving line of credit to fi nance the purchase of real estate investment properties SVP, GLOBAL OPERATIONS & SUPPORT SERVICES - HSBC: 2000 - 2005 Kuala Lumpur, Malaysia SVP of Operations: Directed the start-up of global operations to effectively mig rate processes from various countries to Malaysia. Recruited, hired and trained local senior and middle managers to build a large scale offshore call center (t elemarketing, customer service and collections) and back-office operation. Serv ed as a strategic business partner and relationship manager with the home countr ies Senior Executives. Led, motivated and coached teams to achieve the same lev el of performance as the home countrys operations within a defined time period. SVP of Support Services: Administered the day-to-day operations of a 160,000 sq uare foot facility housing 2000+ employees and the associated multi-million doll ar budget. Reviewed and updated existing security and business recovery plans. Managed multiple vendors to ensure smooth site-wide daily operations. Negotiat ed several new contracts and renegotiated several existing contracts with local business owners, executives and government officials to ensure that HSBC was pro perly covered from a liability perspective and was receiving sufficient value fo r the money spent. Selected Achievements/Highlights: Within 120 days, grew the call center staff to over 400 employees serving the Un ited States, Australia, New Zealand, Malaysia, Singapore and Brunei Enhanced revenue streams and delivered over $10 million in annual savings to the companys bottom line Devised a succession plan that resulted in local management taking the lead in t he majority of the operation within one year of commencement Jacksonville, FL Director of Collections: Was recruited to open a new call center in Jacksonville , FL for HSBC. Built-out the facility with the appropriate computer systems and telephony (including a Lucent switch and Davox dialer) and staffed the operatio n with 170 agents within 90 days of commencement. Through inbound and outbound campaigns, handled over 10,000 calls daily servicing over 100,000 consumer loan customers. Managed all ranges of delinquency and created comprehensive reportin g systems to communicate monthly, quarterly and annual results to the COO and CE O. Migrated the entire operation to Hyderabad, India. VP, REGIONAL SALES & MARKETING DIRECTOR - SunTrust Bank - Richmond, VA: 1998 - 2 000 Transformed the sales culture within the Dealer Services division from an order taking concentration to one of assertive selling and aggressive revenue growth. Accomplished this by introducing a profitability-based incentive plan to drive a pay-for-performance mindset, implementing a customer relationship management ( CRM) software linked to the production system to hold everyone accountable to da

ily calling and production goals and providing extensive training to the sales f orce in professional consultative selling techniques. Efforts were bolstered by developing an ROI-based marketing plan aimed at captur ing market share through increased same-store sales and an expanded dealer base. Grew same-store sales by reconfirming the product offering and pricing were co mpetitive yet profitable and aggressively branding the SunTrust name through pro motions, dealer incentive programs, direct-to-consumer mail campaigns, sponsorsh ip of key dealer events and consistently keeping SunTrust top-of-mind to both th e dealer and the consumer. Expanded the dealer base through focused campaigns a nd promotions to high-potential dealers, extending the banks footprint into two new states and entering into several key strategic partnerships augmenting the e xisting value proposition by creating new revenue sources for the dealers and th e bank. Selected Achievements/Highlights: Championed, promoted and executed the restructuring of SunTrusts Dealer Finance product, sales and marketing departments to grow the companys prime auto loan po rtfolio by over 40% in two years at record risk-adjusted spreads, lower-than-for ecasted credit exceptions and reduced delinquencies and charge-offs Pioneered the auto finance industrys first electronic prime to non-prime flow-th rough program between SunTrust and AmeriCredit leading to $500k in annual fee in come to SunTrust from loan referrals Opened two new states for the auto finance division resulting in over a million dollars in new monthly originations ________________________________________ EARLIER ROLES & COMPANIES SENIOR VICE PRESIDENT OF OPERATIONS, SALES & MARKETING - Keller Financial Servi ces CHIEF OPERATING OFFICER AND PRESIDENT - Seminole Finance / 2nd Chance Finance SENIOR BRANCH MANAGER AND REGIONAL COMMERCIAL LENDER - Barnett Bank ________________________________________ EDUCATION BACHELOR OF SCIENCE IN FINANCE / BACHELOR OF ARTS IN FRENCH (both with Honors*) Florida State University - Tallahassee, FL *Having been awarded the Ada-Belle Winthrop King Scholarship, one year of the Fr ench degree was earned in Paris, France at LInstitute Catholique. Formally trained in: Accounting, Financial Analysis, Process Improvement Methodologies, Project Manag ement, Risk Management and Consumer & Commercial Credit Risk Analysis Languages Spoken: French ________________________________________ COMMUNITY INVOLVEMENT / SERVICE BOY SCOUTS OF AMERICA Scoutmaster, Triple Crown Award Recipient, High-Adventure Council Contingent Leader COMMON SENSE HOUSING INITIATIVE Founding Member and Business Manager

ORDER OF THE ARROW - Brotherhood JUNIOR ACHIEVEMENT Volunteer of the Year COMMUNITY SERVICE PROJECTS - Over 200 hours annually LITTLE LEAGUE BASEBALL - Coach TAE KWON DO - Assistant Instructor LITTLE LEAGUE BASKETBALL - Coach