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Customer Service and Financial Services Expert Long time Retail Mortgage Loan Officer with 18 years of mortgage

origination and sales experience in addition to 11 years of Retail banking lending, customer re lations and management experience. High level of customer service experience. MILES A. REYNOLDS 1209 Londonderry Circle, Ormond Beach, Fl. 32174 386-677-1514 (home), 386-290-6661 (cell), email: mr716134@westpost.net * Almost 3 decades providing customer service and advice both in Retail banking and, most recently, in Retail mortgage originations. * Originated and closed over $125M in residential mortgages. * Knowledge and understanding of multiple types of mortgage products, banking se rvices and customer satisfaction matrices. * Ability to provide customers with features and benefits of mortgage and/or ban king services to provide a value added relationship with the customer. PROFESSIONAL EXPERIENCE Contemporary Mortgage Services rent Employer Cur

Licensed Mortgage Loan Officer March 17, 2009 to current date. Responsibiliti es include originating Conventional and Government loans (including FHA 203K Str eamline Renovation Loans and USDA Rural Guaranteed Housing loans). Wells Fargo Home Mortgage 2007-2009 Home Mortgage Consultant Worked October 15, 2007 to February 13, 2009 as a Re tail Mortgage Loan Officer with one of the largest banks in the country. Job in cluded: * Originating Conventional, Construction and Government loans. * Making outside calls to Realtors and builders at their offices and/or Open Hou ses. * Conducting seminars at the Board of Realtors and sales meetings at Realtor and builder offices. Bank of America Mortgage 1997-2007 Mortgage Loan Officer 10 years as a Retail Mortgage Loan Officer with one of the largest banks in the country. Accomplishments include: * Originating and closing over $115 million in residential 1st mortgage volume d oing Conventional, Government, Construction and many other types of loans. * Building and maintaining a client data base of nearly 600 previous mortgage cu stomers and REALTORS. Page 1 of 2

PROFESSIONAL EXPERIENCE Sunstate Mortgage Company 1992-1997 Licensed Mortgage Broker/Officer Originated both Conventional, Fannie Mae and Freddie Mac loans as well as portfo lio and private investor mortgages for this local mortgage brokerage company for 5 years. * Developed knowledge about a wide variety of mortgage programs due to diverse p roduct offerings at the brokerage. * Became one of the top 3 producers in the company. First Union Bank, Daytona Beach, Fl. 1981-1992 Banking Center Manager, 1988-1992 Managed a banking center. Duties included overall responsibility for performanc e of customer service representatives, tellers and installment loan officers. W as also responsible for originating installment loans, Home Equity Lines of Cred it, 2nd mortgages and some Conventional 1st mortgages. Accomplishments included : * Introduction to 1st mortgage lending. * Managing all aspects of the banking center as well as approximately 15 employe es. Management trainee and Installment Loan Officer, 1981-1988 While going through various s introduced to installment erve as an Installment Loan including 2nd mortgages and EDUCATION Bachelor of Arts in American History, 1974 State University of New York, Potsdam, N.Y. PROFESSIONAL AFFILIATIONS AND AWARDS Active affiliate member of the Flagler County Association of REALTORS Active affiliate member of the Greater Daytona Area Board of REALTORS Serves on the Hospitality and P.R. committee for theDBAAR Serves on the Affiliate Committee for the FCAR Recipient of the 2004 Women's Council of REALTORS affiliate of the year Page 2 of 2 stages of Retail Bank management training, I also wa lending as my primary function at this time was to s Officer. Made personal secured and unsecured loans many Home Equity Lines of Credit.