REGINA S.

WATERHOUSE 19 Aspen Court * Boynton Beach, Florida 33436 Cellular: (561) 704-8060 Residence: (561) 732-8694 E-Mail: rw11c579c@westpost.net QUALIFICATIONS * Over 20 years in commercial banking, 15 at the executive officer/director leve l * Consistently recognized and promoted for solid bottom line results * Comprehensive command of retail and back office operations * Strong technical and project management expertise * Conversant with Fiserv, Metavante and Jack Henry platforms * Superior analytical ability and attention to detail * Seasoned regulatory interface and compliance manager * Exceptional oral and written communication skills, dynamic presenter * Hands on manager, high performance team builder EXPERIENCE Sterling Bank, Lantana, Florida Executive Vice President, 2003 - 2010 * Served as BSA/OFAC Officer, Information Security Officer, Security Officer * Managed retail and loan operations, technology, human resources and compliance consistently meeting or achieving production goals * Played a leadership role in strategic planning, budget, accounting and finance * Introduced products, processes and services to attract and retain profitable r elationships * Coordinated retail marketing and advertising * Orchestrated multiple technology conversions and implementations, including au tomation of BSA/OFAC functions * Interfaced directly with internal and external auditors, regulatory agencies, Board of Directors Amicus Holdings, Inc. (Canadian Imperial Bank of Commerce), Maitland, Florida Director of Operations, 2000 - 2003 * Coordinated liability product design, implementation and performance for 300 l ocations in 7 states * Developed and delivered product knowledge and sales training for retail associ ates * Led multiple system and application project initiatives * Created back office operations for secured and unsecured underwriting, credit operations and loan servicing Gateway American Bank, Ft. Lauderdale, Florida Executive Vice President, Director , 1993 - 2000 * Served as Chief Operating Officer, BSA/OFAC Officer, Security Officer, Complia nce Officer * Managed retail, deposit and loan operations, technology and human resources * Coordinated multiple core system conversions * Introduced alternative delivery channels: internet and telephone banking * Assisted with a private placement effort that raised $8 million in capital * Primary interface with auditors and regulatory agencies REGINA S. WATERHOUSE - Page 2 -

Washington Mutual , Miami, Florida Director, Operating Services, 1990 - 1991 Vice President, Conversion Project Management, 1988 - 1990 First American Bank, Lake Worth, Florida Information Technology Project Coordinator, 1986 - 1988 Instructor, Palm Beach County Schools, Palm Beach Community College, 1975 - 1985 EDUCATIONAL AND PROFESSIONAL CREDENTIALS * Stonier Graduate School of Banking, 1994 - 1996 * M. Ed., Management and Supervision, Kent State University, Kent, Ohio * B. A., Liberal Arts, Ursuline College, Cleveland, Ohio * Seminars and Coursework in Management, Computer Systems and Applications, Bank ing and Regulatory Compliance