ALFRED ALVAREZ 8470 Carmel Ridge Court Las Vegas, Nevada 89113 (702) 253-5611 Cell: (702) 277-1227

alva2j@aol.com COMMERCIAL BANKING SENIOR MANAGER / SENIOR COMMERCIAL LENDER / SENIOR RELATIONSH IP MANAGER / TEAM LEADER Domestic Community Banks & Market Presence Banking Organizations Commercial & Industrial, Real Estate Lending / Credit Administration / Corporate Lending / General Management / Business Development / Staff Training & Development Financial / Banking / Accounting / Credit Analysis & Administration / Negotiatio ns / Bank Operations Accomplished senior manager offering finance leadership to established and high growth start-up companies ranging in size from $175MM to $6B. Spearhead and stre amline business models and concepts for use in support of long-range planning. T horoughly versed in every facet of Commercial Banking, Consumer Banking, Mid-Mar ket, Corporate Banking, Business Banking and Business Consulting. Created innova tive, successful programs measured by asset growth, quality of loan portfolios a nd profitability. Managed staffs ranging from 50 to over 250 employees in multip le locations and departments. Speak Spanish; working knowledge of French and Ita lian. PROFESSIONAL EXPERIENCE TRISM BUSINESS SOLUTIONS LLC * Las Vegas, NV (2008 to Present) (Bank Debt Placement, Capital Placement, Business Consulting, Commercial & Indus trial Lending Commercial Real Estate Lending) Chief Operating Officer & Chief Credit Officer Created corporate infrastructure leading the strategic planning, business plans, business consulting, daily management and performance of the business plan, mar keting plan, and initial capitalization. Developed all administrative, accountin g, financial and reporting systems, policies, procedures and performance objecti ves. Manage a Loan Fund used for Commercial Real Estate, C&I Lending and acquisi tion of discounted Notes. Orchestrated debt and capital placement for small and mid-sized businesses with banking institutions. Held full autonomy for business consulting for major projects, i.e., commercial developers, mid-sized businesses , loan placement for physicians clinic, rehabilitation center and brand hotel, c apital placement for manufacturing and distribution business, as well. Managed c ompliance of State regulations. Hold "Qualified Employee" designation for Mortga ge Banker License. * Manage the underwriting, due diligence, credit and industry analysis functions . Responsible for final approval and management of portfolio. * Completed a secondary offering IPO Reg. D filing to raise Preferred Unit capit al for a Commercial Loan Fund. Structured the offering and created the Private P lacement Memorandum (PPM). Negotiating with FINRA Brokers for marketing of the O ffering. Coordinated all legal work required. * Approved and qualified investor by the FDIC to participate in sale of pools of Notes from liquidated banks at auctions. * Manage private fund; formed to fund acquisition of discounted notes from banks that needed Capital and Liquidity. SILVER STATE BANK * Las Vegas, NV (2000 to 2008) ($2.9 Billion Asset Size Commercial Bank) Senior Vice President & Manager Commercial Lending Manager of Commercial Lending with full culpability for budget and finance funct ions, orchestrating and implementing business plan, business development program s, private banking and commercial banking programs. Facilitated non- recourse co

nduit financing. Team Leader of a group of commercial and industrial lenders, un derwriters, credit analysts and lending assistants. Mentored junior personnel; d irected training programs. * Elevated division's loan portfolio to $400MM+, i.e., commercial and industrial loans, construction loans, investment and owner occupied properties, lines of c redit, letters of credit and business loan products. * Coordinated and managed servicing of $300MM+ deposit portfolio for businesses and high net worth individuals. * Devised program to sell secondary market loans leading to $200MM+ in long-term , fixed rate financing. * Led business development and sales teams to exceed designated growth and fee i ncome goals. * Responsible for leading the team to average over $150 million in average produ ction in new loans a year. * Awarded "Top Producer" individually and top producing department five consecut ive years with a record of loan growth, profitability, no charge-offs, lowest d elinquency and lowest technical exceptions.

ALFRED (AL) ALVAREZ - Page Two BUSINESS BANK OF NEVADA * Las Vegas, NV (1994 to 2000) ($200 Million Commercial and Consumer Banking * 4 locations, 70 Employees) President Founded and launched bank start-up, approval by regulators, and initial private offering that raised seed financing for the bank. Generated initial capital thro ugh an IPO. Secured additional capital through public offering expanding bank op erations into Northern Nevada. Negotiated with market makers and investors. Ban k specialized in Commercial Banking. * Increased from $5MM to $200MM is assets within five years; achieved Four Star rating after two years. Led management team made up of the Chief Credit Officer and Chief financial Officer to exceed profit and growth goals. * Chairman Loan Committee, Chairman Executive Committee, Member of Asset, Liabil ity and Investment Committee, Member of Compliance and CRA Committee. BANK OF AMERICA * Las Vegas, NV (1976 to 1994) Senior Vice President, Manager (1981 to 1994) Senior Vice President and Senior Credit Administrator (1979 to 1981) Vice President Corporate Lending (1978 to 1979) Branch Manager (1976 to 1978) Led the strategic planning, development, budgeting, business plan implementation , compliance, performance and staff management of over 250 employees in 7 states for the largest division of the Nevada bank comprised of four different departm ents. Established seven commercial banking centers, five in Las Vegas and two in Reno. Grew portfolio to over $1.5B in associated commercial business. Formulate d SBA and Government Guarantee loan program expanding into 13 offices in 7 state s. * Managed Commercial Lending Division, Mid-Market Lending, Business Banking, Pri vate Banking and Leasing. * Pioneered and launched programs increasing portfolios from $20MM to $1.5B in a ssociated commercial business; achieved high levels of returns, asset growth, pr ofitability and condition of the portfolio. * Key executive on merger team of Valley Bank with Security National Bank and Ba nk of America. * Directed Business Banking Division with a loan portfolio of $550MM+ consisting of every business loan product, and led the management team for SBA and Governm

ent Guaranteed loan programs, which ranked #1 in production in Nevada and Arizon a. Named largest producer by the SBA in Nevada and Arizona. Awarded PLP status i n every State. * Led strategic business development and sales teams across multifunctional line s of business. * Member Senior Loan Committee. EDUCATION University of Oklahoma - Graduate Commercial Lending School Graduate Diploma in Commercial Lending, Asset and Liability Management Graduated in Top 5% University of Oklahoma - Commercial Lending School Undergraduate Diploma in Commercial Lending St. John's University, New York, NY Bachelor of Arts LICENSE "QE" Qualified Employee Designation State of Nevada Mortgage Lending Division State of Nevada Commercial Mortgage Banker

ALFRED (AL) ALVAREZ - Page Three AFFILIATIONS Las Vegas Chamber of Commerce Latin Chamber of Commerce, Past Board of Directors, Current Member Valley Opportunity Zone, Past President of the Board Nevada Special Olympics, Board of Directors Risk Management Association (RMA), Co-founder Las Vegas Group, Chapter Chairman, Board of Directors Nevada Economic Development Company (NEDCO), Past Board of Directors City of Las Vegas Special Business Fund, Advisory Board Nevada Bankers Association Arizona Bankers Association Spanish Trail C.C., Board of Directors 1993-1999, President 1999, Finance Commit tee 2009, 2010 United Way - Corporate Contributions Mothers in Business Boys & Girls Club Catholic Welfare of Nevada and Equal Opportunity Board KEY NOTE SPEAKER New Mexico Bankers Association Small Business Administration Programs (SBA) Local Radio Stations - How to Apply for a Business Loan, Commercial Real Estate

Borrowing Latin Chamber of Commerce Printed Interviews with Newspapers Regarding Business Lending Real Estate Lendin g and Banking topics COMPUTER SKILLS Microsoft Word, Excel, PowerPoint, Outlook, Office and Business Plan Pro