Robert W. Armstrong III
President and CEO of San Diego Private Bank. Mr. Armstrong is a career Banker with 19 years of experience in all aspects of banking, including merger/acquisition, structured finance, capital markets and extensive retail and commercial banking experience. Prior to joining San Diego Private Bank, Mr. Armstrong served as Regional President for U.S. Bank in San Diego County (January 2002 to July 2005). In this capacity, he coordinated all business activity in the county, including integration of various acquisitions. In addition, Mr. Armstrong was responsible for opening U.S. Bank's Southern California market (November 1999 to December 2001) and previously held several senior management positions with Bank of America (August 1989 to November 1999).

Mr. Armstrong is an active member of the San Diego Community, serving on several non profit and civic boards. He is a Director with the North County Small Business Development Center and serves of the Finance Committee for the Natural History Museum in Balboa Park. He is a former director of the San Diego Symphony and San Diego Downtown Rotary Club (Paul Harris Fellow). For his various community and business contributions, he was recognized as one of San Diego's Top Leaders Under Forty (San Diego Metropolitan Magazine, September 2004).

He is a graduate of University of California Los Angeles (1990) with a B.S. in Economics.

Dr. George Belch
George Belch is Professor of Marketing and Chair of the Marketing Department at San Diego State University, where he teaches strategic marketing planning, integrated marketing communications, and consumer/customer behavior. He received his PhD in marketing from the University of California, Los Angeles.

Dr. Belch has authored or co-authored more than 25 articles in leading academic journals including The Journal of Marketing Research, Journal of Consumer Research, Journal of Advertising, and Journal of Business Research. He is also the co-author of the popular textbook Advertising and Promotion: An Integrated Marketing Communications Perspective. The book, now in its eighth edition, is the leading text on advertising and promotion and is used in business schools throughout the world. In 2000 he was selected as Marketing Educator of the Year by the Marketing Educators’ Association for his career achievements in teaching and research. He also received the Distinguished Faculty Member Award for the College of Business Administration at San Diego State University in 2003.

Dr. Belch's consulting experience focuses on the areas of marketing strategy and planning, advertising and integrated marketing communications, and marketing research. He has worked with a variety of companies in various sectors including consumer products, health care, medical products, computer software and hardware, retailing, financial services, advertising, and direct marketing. He has consulted for major corporations such as Whirlpool, Xerox, Intuit, and various divisions of Eli Lilly. He has also conducted seminars on marketing planning and strategy as well as integrated marketing communications for a number of multinational companies including Sprint, Microsoft, Qualcomm, MP3.com, Fluor Daniel, Pacific Millenium Co., Ltd., Square D Corporation, Armstrong World Industries, Sterling Software, Siliconix, Inc., Degussa-Taiwan, and Texas Industries.

Douglas L. Feist
Director, Chief Executive Officer of National Lending Associates, Inc., has over 30 years of law and business management experience as a shareholder of a mid-size law firm and owner and director of various other business enterprises. From February 2005 through July 2007, Mr. Feist was Sr. Executive Vice President and Chief Administrative Officer of Education Lending Group, Inc., a CIT Group Inc., subsidiary, a NYSE listed company, where Mr. Feist was responsible for the management of day to day business operations of a $6.5 billion company in 2006, and its various business units. From April 1999, and through the acquisition by CIT Group, Inc. in February 2005, Mr. Feist was Sr. Executive Vice President, Secretary, and General Counsel of Education Lending Group, Inc., a publicly held national NASDAQ traded student loan company and responsible for all legal, compliance, and related operational and business matters, including public filings, acquisitions, and securitization transactions for the company and its other business units. From 1994 through December 1999, Mr. Feist was a founder and Senior Vice President, Secretary, and General Counsel of The Education Funding Company LLC, a student loan company and an affiliate of UBL Financial Corporation, which was acquired by the American Express Company in October 1995, and continued to do business thereafter as “American Express Educational Loans.” From February 1993 through April 1996, Mr. Feist was Senior Vice President, Secretary, and General Counsel of UBL Financial Corporation, an insurance services holding company, including its wholly owned subsidiary, Union Benefit Life Insurance Company, which offered various insurance products nationwide. Prior to joining UBL Financial Corporation, Mr. Feist was a shareholder and attorney with the law firm of Hinchy, Witte, Wood, Anderson, and Hodges from April 1989 through February 1993, and in private law practice prior to joining the firm focusing on business, corporate, and estate planning matters. Mr. Feist is licensed by State Bar of California and received his Juris Doctor from the University of San Diego and Bachelor’s of Science degree from the University of California-Santa Barbara.

Jane E. Hughes
Ms. Hughes has over 15 years experience in a variety of roles in education finance beginning in the mid-1990’s with American Express Education Loans, managing credit and application processing of FFELP loans and subsequently moving into managing vendor relationships with a variety of guarantors and third party servicers. In early 2000’s, Ms. Hughes’ focus shifted to business process and systems to improve application flow and overall business efficiency both internally as well as with business partners of Education Lending Group, Inc. More recently, Ms. Hughes was EVP of Operations at Education Loan Servicing Corporation, a CIT company, with responsibility for originations and servicing functions of a Top Ten lender/servicer with over $9 billion in assets under servicing, including FFELP and private education loans. Ms. Hughes’ most recent role with Student Loan Xpress, Inc., a CIT Company, focused heavily on compliance activities as well as responding to the changing regulatory landscape within the education finance industry. Ms. Hughes also worked briefly as COO for First Associates, Inc. before moving on to her current role as Director of Legal Outsourcing Operations with Midland Credit Corp. Ms. Hughes holds a BA from the University of Notre Dame and a MBA from the University of California, Irvine.

Rudy Orman
Mr. Orman has more than 20 years of experience in Business Development and Sales for financial companies. Currently, he is Director of Business Development for Residential Credit Solutions. Residential Credit Solutions, Inc ("RCS") is a fully licensed, integrated mortgage investment and servicing company focused exclusively on purchasing, managing and servicing credit-sensitive and servicing-intensive residential mortgage loans.

Mr. Orman was previously employed as Vice President of Business Development for the Marathon Distressed Subprime Fund and as Director of Marketing for Marix Servicing LLC. From 2004 to 2008, he was Vice President of Business Development for the GSAMP mortgage conduit for Goldman Sachs. Prior to Goldman Sachs, Rudy was First Vice President, National Sales at Countrywide
(2003-2004) in charge of origination outsourcing. Before Countrywide, Rudy was the National Sales Director at HSBC Mortgage Services (1994-2003), in charge of business development for the subprime correspondent channel.

He is designed by the Mortgage Bankers Association of America (MBA) as a Certified Mortgage Banker (CMB), which symbolizes credibility and achievement within the real estate finance industry. Rudy was also selected and graduated from the highly regarded MBA Future Leaders Program, a one year program designed and developed for the next generation of industry leaders.

Rudy has earned his Masters Degree in Business Administration from Tampa College, and his undergraduate degree in business from The University of Florida. He has earned his National Association of Securities Dealers Series 7 and 63.

Rudy is married with three children and resides in Tampa, Florida.

James Zeldin
Mr. Zeldin is the Senior Vice President of Sales and Marketing for Altisource Portfolio Solutions, a former division of Ocwen Financial Corporation. Prior to leading the organization’s business development efforts, Mr. Zeldin was the Senior Vice President of Mortgage Services, where he was responsible for successfully developing and managing Ocwen’s mortgage and real estate services platforms spanning all default management, origination services and REO management activities. Prior to joining Ocwen, Mr. Zeldin was the Managing Director of Operations and Client Services for a division of Lender Processing Services. While at LPS, Mr. Zeldin maintained responsibility for the due diligence, valuation, regulatory compliance, underwriting and consulting departments. Over the past fifteen years, Mr. Zeldin worked extensively with institutional investors, servicers, rating agencies and investment banks to improve business decisions and enhance operating performance. Mr. Zeldin holds a Master of Business Administration in Real Estate and Finance from the University of Texas at Austin and a Bachelor of Arts from Indiana University