Keat Baker 650 Country Club Avenue N.E.

Fort Walton Beach, Florida 32547 Phone: (850) 865-0008 kb14bf7ae@westpost.net PROFESSIONAL EXPERIENCE 9/09 - 3/11 PEOPLES NATIONAL BANK Niceville, Florida Vice President / Commercial Banker All phases of commercial and some consumer lending. Added emphasis on Risk Mana gement, Special Assets, and workouts. Developed and trained staff in uniform un derwriting guidelines, cash flow modeling, and loan presentations for all phases of lending. Prepared Board and OCC reports. 7/08 - 5/09 BEACH COMMUNITY BANK Fort Walton Beach, Florida Vice President / Commercial Banker More emphasis on commercial, small business, and SBA lending. Concentration i n Special Assets, workouts, and restructuring of problem loan portfolio. 12/01-7/08 VANGUARD BANK & TRUST (Synovus) Fort Walton Beach, Florida Vice President / Commercial Banker Growing and servicing acquisition and development, construction, commercial and industrial, and small business lending portfolio. Portfolio also consisted of c ommercial real estate and SBA loans. Some emphasis in Special Asset restructuri ng and workouts. 7/97 - 12/01 FIRST CITY BANK Fort Walton Beach, Florida Vice President / Construction and Development Lending Responsible for growing, retaining, and servicing bank's construction and devel opment lending portfolio as well as small business lending. 10/96 - 6/97 ALLIANCE MORTGAGE COMPANY Montgomery, Alabama. Mortgage Loan Officer Primary focus was developing and maintaining realtor and builder relationships f or the purpose of originating mortgage loans. Developed and provided real estat e financing education to realtor / builder clients . 6/94 - 9/96 BANK OF PRATTVILLE. Prattville, Alabama Vice President/ Commercial Real Estate Operations Merged commercial, construction and mortgage operations into one department. In stituted compliance and quality control procedures. Re-negotiated investor agre ements. Continuous staff education. Major emphasis was on business development. 8/92 - 6/94 COMPASS BANK / MORTGAGE Montgomery, Alabama Loan Center Manager / Mortgage Loan Officer Managed and supervised real estate loan operations in downtown Montgomery office . Residential, commercial, home equity lending. Also developed and maintained realtor and builder relationships for the purpose of or iginating mortgage loans. Developed and provided real estate financing educatio n to realtor / builder clients. 5/83 - 8/92 FIRST NATIONAL BANK & TRUST Fort Walton Beach, Florida. The Holden Group . From 5/91 to 8/92, under contract with The Holden Group and First National B ank & Trust to market tax deferred savings plans as alternative bank investment s. Provided financial counseling and planning to clients and prospective clients . Retail Banking Officer

Created and managed dealer (indirect) lending department of the bank. Wrote ban k's dealer agreements, brought on new dealers, set up operations for dealer loan processing, and managed portfolio delinquency. Office Manager Supervised Main Office lending and receiving operations Consumer Loan Officer Originated and collected consumer loans Collection Manager Supervised collection of bank's delinquent consumer loan portfolio. Liquidated foreclosed collateral and helped represent bank in court. EDUCATION 5/81 Covenant College, Lookout Mountain, Tennessee, Bachelor of Arts (B.A.) Major: Business / Finance 4/08 Synovus Leadership Institute 6/04 -6/06 Synovus Commercial Credit Certification (C-3) 9/02 Synovus Financial Analysis & Credit Training School (FACTS) 6/87 Florida Consumer Credit School, Orlando 9/82 National Executive Institute, Arlington, Texas 1983 - 1992 Numerous AIB courses. AFFILIATIONS Building Industry Association of Okaloosa & Walton Counties (BIA) State Director , as well as serving on and chairing various BIA committees. Past Associate Vic e President Florida Homebuilders Association. Elder and youth associate, Westmi nster Presbyterian Church. Greater Ft. Walton Beach Chamber of Commerce. Past Director Ft. Walton Beach Kiwanis Club. Past Director, Ft. Walton Family YMCA.

REFERENCES FURNISHED UPON REQUEST