LYNN KRAUSS

Sugar Land, Texas 77478 (713) 560-7771 Cell [email protected]

SUMMARY Seasoned, Texas banking executive with 30+ years hands-on experience. People oriented, entrepreneurial leader with expertise in executive management; mergers and acquisitions; employing quality personnel at all levels; lending; credit administration; correspondent banking; and regulatory examination. Additionally, owned and operated an automotive repair facility for 9 years in the high growth area of Sugar Land, TX. PROFESSIONAL EXPERIENCE Lynn Krauss, Independent Bank Consultant, Sugar Land, TX. Principal 2009 Current

Perform short-term consulting assignments including: credit administration, business development & referral, and executive search. Explored executive position with new Houston, TX. holding company formed to invest in Texas banks. Explored the formation of new bank holding company to acquire Texas bank(s). Employee Professionals, Houston, TX. Director of Sales Let us do what we do best, so you can do what you do best. April 2011 August 2011

We are in the business of helping control costs, manage benefits, and minimize risk so businesses can stick to what they do besttaking care of their customers. Employee Professionals tailors our services to companies employing up to 5,000. When you outsource to us, youre backed by an organization with exceptional buying power, staffed with HR experts, and using leading-edge HR management software. From Payroll, HR Compliance, and Workers Compensation, to Risk and Safety Management, Training, and Benefits Administration.......Employee Professionals is at our best when youre at your best. KPMG, LLP (Payroll Outsourcing Plus, Inc.), New York, N.Y. Independent Contractor 2009 2010

Performed credit reviews for KPMG in support of KPMGs audit services and their loan loss adequacy analysis. Also participated in due diligence credit reviews to assist KPMG client in M&A / capital raising efforts. FC Holdings, Inc., Houston, TX. 2006 - 2009 (Holding Company for First Community Bank - $860MM commercial bank with 37 locations) Executive Vice President Member of executive management team reporting directly to the Chairman & CEO. Advisory Director of the holding company and Director of bank subsidiary. Member of Directors and Senior Loan Committees. I joined CEO Nigel Harrison in Jan. 2006 when the Company was $32MM in assets with 2 locations. In 3 years, we grew the Company through 4 bank acquisitions (50%) and through organic growth (50%). In addition, actively involved in capital raising efforts and bringing in key leadership. Managed our 5 individual bank charter Presidents which included attending monthly Market Board and Loan Committee meetings.

Amegy Bank (formerly Southwest Bank of Texas, N.A.), Houston, TX. Senior Vice President and Senior Commercial Lender, Correspondent Banking

2003 - 2006

Actively marketed bank services and financial products to commercial banks and thrifts in Texas. Only one of 4 officers in the group to exceed 2003 personal goals for which incentive compensation was received. During the first six months of 2004, one of only 5 officers recognized for outstanding calling efforts for which a trip to the Bahamas and cash award granted. Stock option grants also provided.

T.L.W.P., Inc. dba Christian Brothers Automotive, Sugar Land, TX. Co-owner (with wife), President, and Secretary

1999 - 2003

Assisted franchisor in negotiations to purchase property and oversee construction of facility. Responsible for daily operations of 9 bay, full service auto repair facility including: all personnel decisions (7 employees); marketing / advertising; accounting / bill paying; customer service; setting up credit lines with vendors; shuttling customers; and picking up parts. For the first 18 months, opened the shop daily at 7:00 am and closed at 6:00 pm Monday Friday. 1st year sales of $775,000 set record for startup Christian Brothers franchises. Recognized for Best Customer Relations in 1999 and 2000 and Most Improved Performance in 2000 among all Christian Brothers franchises. Left active management of the business in Jan. 2003 to my wife in order to return to banking. 1995 1999

Wells Fargo Bank (formerly First Interstate Bank of Texas), Houston, TX. Vice President and Relationship Manager, Financial Institutions

Actively marketed bank services and financial products to downstream commercial banks, thrifts, and credit unions in Texas. Managed accounts through tumultuous hostile merger and transition to Wells Fargo Bank. Ultimately assumed management for South Texas Correspondent Banking. Received incentive compensation and stock awards for outstanding performance. 1992 1995

Federal Home Loan Bank of Dallas, Dallas, TX. Vice President, Correspondent Banking Division

Actively market Federal Home Loan Bank products and services to commercial banks, thrifts, credit unions, and insurance companies in South Texas. Exceeded all 1993 performance goals in month of August 1993 for which incentive compensation was received. Outstanding 1993 performance resulted in highest percentage salary increase (16%) given by the Bank for 1994.

First City Bancorporation of Texas, Inc., Houston, TX. First City Texas, Houston, TX. Various Positions

1982 1992

Vice President, Senior Commercial Lender, Correspondent Banking (1988 1992) Recognized as the sales calling leader for the entire Wholesale Banking Division for 1990. Recognized as a key performer in 1990 and a sales leader in 1989 for which incentive compensation was received. Produced $400,000 + in new service fee income for 1990. Assisted in the development and implementation of First Citys statewide underwriting guidelines for Correspondent Banking. Acted as a trainer and resource person for eight person lending department.

Vice President and Manager, Loan Review, Houston, TX. (1988) Managed and developed a staff of four, including three professionals who were subsequently promoted to Vice Presidents, Commercial Lending in the Wholesale Banking Division Identified initial credit problems in the HLT loan portfolio (approx. $500MM in commitments) which led to the implementation of timely workout strategies. Enhanced staff productivity and departments visibility by fostering excellent relationships with line lending staff and Bank management. Senior Loan Review Representative and Manager, McAllen, TX. (1987 1988) Acted as trouble shooter for Banks Credit Administration function which enabled holding company management to respond quickly to a rapidly deteriorating situation. Served as ex-officio member of the Banks loan committee process, including: Directors Oversight Committee, Executive Loan Committee, Senior Loan Committee, and Special Assets Dept. Committee. Senior Vice President and Senior Credit Officer, Humble, TX. (1985 1987) Identified rapidly deteriorating loan portfolio problems which led to a promotion in 10/85. Managed and developed the entire lending staff of eight, three of which were subsequently promoted. Gained initial lending experience commercial, E&P, consumer, and loan workouts. Senior Loan Review Representative and Houston Region Manager, Houston, TX. (1983 1985) Managed and developed a staff of three, one subsequently was promoted as my replacement. Loan Review Representative, First City National Bank, Houston, TX. (1982 1983) Significantly enhanced my personal credit skills through a continuous, concentrated review of First Citys flag bank in Houston, TX. The loan portfolio was very diversified and included energy, energy service companies, real estate / land development, commercial, and executive & professional.

OTHER EXPERIENCE

Comptroller of the Currency (OCC), Houston, TX. Commissioned National Bank Examiner Federal Deposit Insurance Corporation, Cleveland, OH. Liquidator-at-Large Federal Deposit Insurance Corporation, San Antonio, TX. Assistant Bank Examiner Dun & Bradstreet, Inc., Dallas, TX. Credit Reporter

1978 - 1982

1977 - 1978

1975 - 1977

1975

EDUCATION B.B.A. in Finance, The University of Texas, Austin, TX., May 1974. Attended Southwestern Graduate School of Banking at SMU, Dallas, TX. Professional Development: Management and product courses offered through Amegy Bank / Southwest Bank of Texas, Wells Fargo / First Interstate Bank, Federal Home Loan Bank, and First City Bank. Course work included evaluation of credit risk, managing the credit process, sales and marketing techniques. Additionally, numerous RMA, AIB, TBA, OCC, and FDIC trainings / seminars.